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This study examines the effect of digital banking transformation on financial inclusion in emerging economies, using Indonesia as a case study. Digital banking transformation refers to the technological development of banking services, including accessibility, transaction speed, system security, service integration, and the availability of user-relevant financial features. Financial inclusion is defined as individuals’ ability to access, use, and benefit from formal financial services in an easy, secure, affordable, and sustainable way. This research employs a quantitative explanatory design. Data were collected through structured questionnaires distributed to users of mobile banking, internet banking, digital bank applications, and digital payment services in Indonesia. Respondents were selected using purposive sampling with criteria of being at least 17 years old, residing in Indonesia, and having used digital banking services within the last six months. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that digital banking transformation has a positive and significant effect on financial inclusion, with a path coefficient of 0.684, a t-value of 14.276, and a p-value of 0.000. The R-square value of 0.468 shows that 46.8% of the variance in financial inclusion is explained by digital banking transformation. These findings suggest that digital banking expands access to financial services, increases usage of formal financial products, and reduces barriers related to distance and cost. However, its effectiveness still depends on digital literacy, security, trust, infrastructure, and consumer protection. The study implies that banks and regulators should strengthen inclusive, secure, and affordable digital financial services for underserved communities.

This Community Service Program aims to improve the competitiveness of MSMEs in Kawengen Village, East Ungaran, Semarang through optimizing packaging design, strengthening business legality, and assisting with Home Industry Food Permit (P-IRT) processing. The main challenges faced by partners include a lack of understanding of business permits, unattractive and uninformative product packaging, and limited knowledge of food safety standards. The program consisted of observation, outreach, practical training, and intensive mentoring. The materials covered the importance of business legality, P-IRT application procedures, principles of effective and regulatory-compliant packaging design, and the application of brand identity to products. Evaluation included pre- and post-tests, as well as assessments of the packaging designs developed by participants. The program demonstrated a significant increase in participants' understanding of packaging legality and standards, as well as their readiness to process P-IRT. This program has proven effective in strengthening MSME competitiveness by improving product quality, consumer trust, and business professionalism.

This study aims to analyze the implementation of public service ethics by front office officers at the Public Service Mall (Mall Pelayanan Publik/MPP) of Samarinda City and its impact on the image of government institutions. As the frontline of public service delivery, front office personnel play a strategic role in shaping public perceptions and fostering public trust in government services. This research employed a qualitative descriptive approach, utilizing in-depth interviews with a functional licensing officer at the Department of Investment and One-Stop Integrated Services (DPMPTSP) of Samarinda City, supported by direct field observations. The findings reveal that the implementation of service ethics at the Samarinda MPP is guided by the principles outlined in Law No. 25 of 2009 on Public Services and the Minister of Administrative and Bureaucratic Reform Regulation No. 15 of 2014 concerning Service Standards. These regulations emphasize the values of integrity, professionalism, accountability, responsiveness, and inclusiveness in service delivery. Furthermore, effective coordination among service tenants, continuous improvement of employee competencies, and adaptation to digital systems such as the Online Single Submission (OSS) platform have contributed significantly to maintaining service quality. The study concludes that the consistent application of public service ethics enhances citizen satisfaction, strengthens public trust, and positively influences the image of government institutions in the community.  

This study aims to analyze the implementation of the Project Based Learning (PjBL) model in art education as an effort to enhance the creativity and artistic understanding of Animation Department students at SMK Negeri 2 Palu. The study employed a descriptive qualitative approach involving animation students and supervising teachers as research subjects. Data were collected through observation, documentation, and reflective analysis during the teaching assistance program. The learning implementation was carried out through the introduction of traditional, modern, and contemporary art concepts integrated with practice-based creative project activities. The findings indicate that the application of PjBL significantly increased students’ active engagement in the learning process, strengthened their conceptual understanding of visual arts, and improved their ability to express creative ideas through visual works. Furthermore, the establishment of the “Kreasi Animasi Seni Budaya” community provided a collaborative space that supported the sustainable development of students’ creativity and artistic reflection. These findings demonstrate that project-based art learning is effective in optimizing the artistic competencies.

Educational philosophy plays a significant role in developing students’ thinking abilities, especially in improving critical thinking competence and creativity. Through learning strategies that encourage students to actively ask questions, analyze, and evaluate information, students can develop into more rational, critical, and independent individuals in making decisions. This study aims to explore the role of educational philosophy in developing students’ critical reasoning competence and creativity. The research employed a qualitative method using a literature study approach. Data were obtained from various sources, including books, scientific journals, and articles relevant to the research topic. The findings show that the implementation of educational philosophy through discussions, question-and-answer methods, and experience-based learning (learning by doing) can improve students’ analytical skills while encouraging the emergence of creative and innovative ideas. In addition, a learning environment that provides students with opportunities to express their opinions can support the optimal development of their potential. Thus, educational philosophy not only functions as a theoretical foundation in education but also has practical applications in creating creative, active, and progressive learning environments. Therefore, the implementation of educational philosophy is important in producing a generation that is creative, analytical, and capable of facing the challenges of the modern era.

Bintan Regency, as a coastal area with a strategic geographical location as an international shipping route, is vulnerable to marine pollution caused by oil spills. Repeated incidents throughout 2023-2025 show that this problem has not been resolved. The purpose of this study is to evaluate the effectiveness of the implementation of MARPOL Annex I as a regulation that prevents pollution caused by oil spills at sea, particularly in Bintan Regency. This study identifies gaps in the implementation of regulations at the national level and formulates a more integrated form of prevention through strengthened supervision and the application of technology. The method used is a qualitative descriptive method through a literature review approach, with secondary data from scientific journals, articles, media reports, YouTube, and other supporting documents related to the incident. The results of the study show that: first, mitigation efforts are still focused on post-spill responses, such as manual cleanup involving institutions and the community. Second, weak border patrols make it difficult to find the perpetrators. Third, Bintan Regency has not utilized technology such as blockchain as a potential tool that can help prove ship compliance with MARPOL Annex I. Although MARPOL Annex I has been implemented in accordance with national regulations, its implementation has proven ineffective as spills continue to recur to this day. Therefore, changes are needed in terms of prevention through integrated maritime surveillance and the introduction of digital technology for reporting ship compliance with MARPOL Annex I in the Bintan Regency area.

Currently, the management of the damaged goods reporting at the Class 1A Jambi District Court still relies on manual procedures through verbal communication and physical logbooks. This mechanism is prone to recording errors, risks of document loss, and complicates real-time monitoring of repair statuses. This study aims to design a web-based Damaged Goods Reporting Information System to improve the effectiveness, transparency, and efficiency of internal asset management. The research method employs a qualitative approach with data collection techniques consisting of interviews, observations, and documentation. System development implements the Waterfall model, comprising requirement analysis, design, implementation, and testing phases. The result of the study deliver a web-based application that integrates features for report input, proof of damage photo uploads, admin validation, and real-time monitoring of repair status. This system successfully simplifies bureaucratic workflows, accelerates response times for damage handling, and minimizes administrative errors.

The International Community Service Seminar on the Application of Artificial Intelligence (AI) for students of SMA Muhammadiyah Program Khusus Kotabarat Surakarta was conducted to enhance digital literacy and provide practical understanding of AI utilization in daily life and learning activities. The program aimed to introduce basic concepts of artificial intelligence, its functions, benefits, and challenges in modern education. Through presentations, interactive discussions, and quizzes, participants were exposed to real-life applications of AI such as digital assistants, personalized learning systems, and time management tools. The seminar involved participants from Indonesia and Malaysia, creating a cross-cultural learning environment that enriched the discussion. Both students and teachers gained improved understanding of how AI can support adaptive and effective learning processes. The activity highlighted the importance of responsible technology use in education. Integrating AI into learning environments was found to improve creativity, efficiency, and engagement among participants while also supporting teachers in administrative and instructional tasks.

This study aims to analyze the implementation of information technology in improving the quality of public services. The research method used is library research by collecting and analyzing various scientific sources, such as journals, books, research articles, and government documents related to information technology and public services. The results show that the implementation of information technology through online service systems, official websites, and administrative information systems is able to improve the effectiveness, efficiency, transparency, and accessibility of public services. Information technology also helps accelerate administrative processes, reduce data management errors, increase employee productivity, and strengthen communication between the government and the community. In addition, the implementation of information technology supports the realization of e-government and good governance through increased accountability and information transparency. However, the implementation of information technology still faces several challenges, such as limited human resources, inadequate technological infrastructure, unstable internet connections, and the low ability of some communities to use digital services. Therefore, it is necessary to improve employee competencies, develop technological infrastructure, and conduct public socialization to optimize the implementation of information technology in public services. Overall, information technology has proven to be a strategic solution in creating modern, effective, efficient, transparent, and community-oriented public services.

The increasing use of web applications in various sectors has made security a major concern due to the high risk of attacks targeting the application layer. This study aims to analyze the effectiveness of the F5 Web Application Firewall (F5 WAF) in mitigating vulnerabilities in the OWASP Juice Shop application. Testing was conducted using 10 attack scenarios including SQL Injection, Cross-Site Scripting (XSS), Insecure Direct Object Reference (IDOR), and Information Disclosure before and after F5 WAF implementation. The test results showed that all tested attack scenarios were successfully mitigated after F5 WAF implementation. These findings indicate that the F5 WAF is able to provide effective protection against various vulnerabilities at the application layer and improve the security of web applications in the test environment used.

This study aims to determine the application of picture media and bingo games in English learning at elementary schools and to improve students’ confidence in learning English. The research was conducted in the sixth grade of Aengbaja Kenek Elementary School in the 2025/2026 academic year with 7 students as the research subjects. The research method used was classroom action research with data collection techniques through observation, interviews, and literature study.The results showed that the use of picture media and bingo games was able to increase students’ motivation, enthusiasm, and ability in learning English. Students became more active in learning new vocabulary, understanding grammar, practicing pronunciation, and improving their speaking and reading skills. In addition, the learning process became more enjoyable, interactive, and less monotonous, so students were more confident in using English. Picture media helped students understand the material visually, while bingo games created an interesting learning atmosphere through learning-by-playing activities. Therefore, the application of picture media and bingo games are effective as a medium for teaching English in elementary schools to improve students’ language skills and learning motivation.

This study aims to explain the construction of gender identity in Toni Morrison's novel Beloved through Judith Butler's gender performativity theory. This novel tells the story of the traumatic experience of slavery that shapes racial identity as well as the social issues, power relations, and extreme violence depicted within it. This study explains how Sethe and other female characters in the novel Beloved construct and demonstrate their identities through concrete actions as a form of protest against slavery. Based on Judith Butler's performativity approach, identity is not understood through a fixed biological destiny but rather as a repetition of social practices and norms within society. In the novel Beloved, Black women are represented not as a fixed biological essence but as the result of the application of norms in society. In Beloved, the Black female body is depicted as a source of oppression and a space of resistance. The system of slavery in Beloved not only controls the physical body but also women's subjectivity. Sethe's actions in protecting her child in the novel can be read as an attempt to shake up hegemonic maternal norms. The results of this study indicate that Morrison portrays identity as a political construct and always in the process of becoming. The trauma depicted in the novel is a performative mechanism that shapes the characters' subjectivities. Thus, an analysis of gender performativity in Beloved cannot be separated from the intersectional issues of race, history, slavery, and patriarchal culture.

This study endeavors to elucidate the application of educational videos pertaining to Heroes' Day in fostering the social communication competencies of early childhood learners at Kindergarten 001 Bunguran Timur Laut. Social communication skills are essential for young children as they support language development, social interaction, emotional expression, and the ability to build positive relationships with others. Therefore, educators are encouraged to utilize innovative and engaging learning media that can effectively stimulate children's communication abilities. The methodological framework employed in this investigation was qualitative in nature, utilizing a descriptive approach. The participant cohort comprised 15 children from Group B, aged between 5–6 years. Data were gathered through systematic observation, structured interviews, and comprehensive documentation to obtain a thorough understanding of the learning process and its outcomes. The findings revealed that the integration of educational videos concerning Heroes' Day facilitated the development of social communication skills among children, including verbal expression, responsive inquiry, collaborative engagement, and interactive discourse with peers and educators. The participants demonstrated heightened enthusiasm, greater confidence in expressing their opinions, and increased active participation throughout the instructional sequence. Moreover, the visual and auditory elements of the videos helped children better understand the learning material and encouraged meaningful discussions. Consequently, educational videos pertaining to Heroes' Day may serve as an effective pedagogical medium for nurturing the social communication competencies of early childhood learners at Kindergarten 001 Bunguran Timur Laut.

. This research is motivated by the low ability to write experiential stories of fourth-grade elementary school students, which is triggered by conventional learning methods and minimal use of media. The purpose of this study is to design interactive multimedia assisted by the Genially application on the material of writing experiential stories, which must meet the standards of validity, practicality and effectiveness. The method used is Research and Development (R&D) with the ADDIE framework (Analysis, design, development, implementation, evaluation). The research subjects consisted of 20 fourth-grade elementary school students. Data were collected through interviews, validation questionnaires, teacher and student response questionnaires, and pretests and posttests. The results of the study showed that Genilly interactive multimedia obtained a media validation percentage of 96%, material validation of 98% with a very valid category. The results of practicality obtained a percentage of 9a% from teachers and 98.3% from students with a very practical category. The effectiveness results showed an increase in learning outcomes with an N-Gain value of 0.91 in the proficient category, 0.74 in the developing category, and 0.71 in the need for guidance category, which is included in the high category. Thus, Genially interactive multimedia is suitable for use as a learning medium to help improve writing skills.

This study aims to clarify the conceptual differences between measurement, assessment, and evaluation; present a comparative analysis of their characteristics; formulate concrete application examples across four Arabic language skills (istima', kalam, qira'ah, and kitabah) in madrasah; and analyze evaluation principles in creating an objective and fair assessment system. The study employs a library research method with a descriptive-analytical approach through content analysis of relevant academic sources. The findings indicate that measurement, assessment, and evaluation form a hierarchical and mutually reinforcing relationship, yet they differ in scope, function, and purpose. Measurement focuses on quantifying learning outcomes, assessment interprets those results, and evaluation provides overall judgment for decision-making. The current imbalance in Arabic language evaluation at madrasah, which often emphasizes cognitive measurement alone, can be improved through comprehensive assessment of all four language skills. This should be grounded in principles of validity, reliability, objectivity, practicality, and positive washback to ensure a fair, meaningful, and educationally sound evaluation system.  

This research is motivated by students' low appreciation of the teachings of the Bible, which is evident in their lack of understanding of spiritual values ​​in everyday life. The purpose of this study is to describe the application of the storytelling model in increasing appreciation of the teachings of the Bible among eighth-grade students of Ratu Damai Waibalun Junior High School. This study uses a qualitative approach with a descriptive research type. The research subjects consisted of seventh-grade students and Catholic religious teachers. Data collection techniques were carried out through observation, in-depth interviews, and documentation. Data were analyzed through data reduction, data presentation, and drawing conclusions. The results show that the application of the storytelling model can create a more lively, interesting, and meaningful learning atmosphere, so that students more easily understand and appreciate the teachings of the Bible. In addition, storytelling encourages students' emotional involvement, increases personal reflection, and helps students connect teaching values ​​with real experiences. The implications of this study indicate that the storytelling model can be an effective and contextual learning strategy in fostering a deeper appreciation of students' spiritual values.

Micro, Small, and Medium Enterprises (MSMEs) increasingly rely on e-commerce applications to enhance business performance and broaden market access. Nevertheless, the effectiveness of such applications is strongly determined by their usability, which reflects how easily users can interact with the system. This study aims to evaluate the usability of an MSME e-commerce application using the System Usability Scale (SUS) method. A quantitative descriptive approach was applied by distributing SUS questionnaires to 30 respondents who had previously used the application. The instrument consisted of 10 standard SUS statements measured using a five-point Likert scale. Data were analyzed by calculating individual SUS scores and determining the overall average score. Based on the randomized respondent data, the application achieved an average SUS score of 80,25. This score is categorized as Excellent and acceptable. These findings indicate that the MSME e-commerce application has a very good usability level and is well accepted by users. Therefore, the application has strong potential to support MSME digitalization and improve online transaction effectiveness.

This research aims to develop an Android-based boarding house search application that can provide boarding house information quickly, accurately, and easily accessed by the public, especially students and migrant workers. The research employed a Research and Development (R&D) method, encompassing user needs analysis, system design, application development, implementation, and system testing. The application is designed with key features such as searching for boarding houses based on location, price, facilities, and room availability, making it easier for users to make choices based on their needs. Furthermore, the application also provides features for boarding house owners to manage and promote their properties digitally. The application development process was conducted using the Android Studio platform with an integrated database to support real-time information management. System testing was conducted using the Black Box Testing method to ensure all application functions run according to user needs. The results show that the developed application can improve the efficiency of the boarding house search process, accelerate information access, and facilitate boarding house owners in promoting and managing property data. Therefore, this application is expected to be an effective digital solution to support mobile-based housing search services.

Hydroponic cultivation of mustard greens (Brassica juncea L.) in greenhouses is an effective alternative for overcoming land limitations, particularly in urban areas. Hydroponic systems enable plants to obtain nutrients optimally through the application of the Nutrient Film Technique (NFT) and Deep Flow Technique (DFT), thereby promoting more efficient plant growth. In addition, the success of hydroponic mustard cultivation is influenced by environmental control, including temperatures ranging from 15–35°C and relative humidity levels of 70–90%. Plant nutrient requirements are supplied through an AB Mix nutrient solution with a pH range of 5.5–6.5 and an electrical conductivity (EC) value of 1.5–3.0 mS/cm. This review aims to analyze various factors affecting the growth of hydroponic mustard greens, including nutrient management, environmental conditions, and biological pest and disease control using beneficial agents such as Trichoderma and Bacillus. Furthermore, this study discusses several technical and economic challenges that may influence cultivation success. The findings indicate that hydroponic systems can significantly improve crop productivity and yield quality, reduce the use of chemical pesticides, and support the implementation of sustainable and environmentally friendly urban agriculture in Indonesia.

Usability evaluation plays a crucial role in ensuring the quality of digital systems, particularly in terms of comfort, effectiveness, and ease of use. Instruments such as the System Usability Scale (SUS), User Experience Questionnaire (UEQ), and Heuristic Evaluation (HE) are widely used in modern usability studies. This research conducts a Systematic Literature Review (SLR) to identify patterns and trends in the use of these instruments. A total of 27 initial studies were collected, and 16 were selected through the PRISMA screening procedure. The findings show that UEQ is the most frequently used instrument, especially in Learning Management Systems (LMS) and academic platforms, while SUS is commonly applied to mobile applications and digital libraries for rapid usability assessment. HE is effective in revealing fundamental interface issues such as non-intuitive navigation and layout inconsistencies. Overall, digital systems perform well in Efficiency and Perspicuity, but consistently show low scores in Novelty. This study provides an integrative knowledge map that highlights cross-instrument insights and supports the development of more intuitive, innovative, and user-centered digital systems