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This article develops a conceptual model that explains how social capital and digital literacy interact in shaping Islamic financial literacy in the digital era. Through a comprehensive literature review, this study synthesizes theories, empirical findings, and thematic patterns derived from reputable academic journals, scholarly books, and institutional publications. The analysis shows that social capital functions as a value foundation encompassing trust, collective norms, and behavioral orientations that influence individuals’ initial acceptance of sharia-based financial practices. Information obtained through family, religious communities, and social networks becomes a crucial entry point that shapes early perceptions and preferences toward Islamic financial products. Meanwhile, digital literacy strengthens individuals’ ability to access, evaluate, and verify Islamic financial information independently through various digital content such as online articles, infographics, educational videos, and Islamic fintech platforms. The interaction between these two dimensions creates a layered learning process in which social capital provides contextual value and trust, while digital literacy deepens technical understanding in a more objective manner. This article contributes theoretically by proposing the Social Capital–Digital Literacy Integrative Model and offers practical implications for Islamic financial institutions, regulators, and fintech providers in designing more effective strategies to enhance Islamic financial literacy in society.

The principle of comparative advantage explains that every country or society, like individuals, can gain benefits from their trade activities by exporting goods or services in which they have a major comparative advantage and importing goods or services in which they do not. Based on the law of comparative advantage, even though a country may be less efficient (having an absolute disadvantage) compared to other countries in the production process, the structure of industrial performance can be seen through the analysis of industrial sector behavior analyzed through various strategies such as Price, Product, and promotion. The theory of comparative advantage related to the exchange of goods is relevant as long as the traded goods are still useful. In other words, Performance is defined as the result of activities influenced by the structure and behavior within the industrial sector, where these results are often measured by the size of a company's market share or profitability in an industry. In more detail, performance can also be reflected in the form of efficiency, development (including market expansion), job creation, employee welfare, and a sense of group pride.

This study aims to describe the difficulties faced by Geography teachers at SMAN 1 Sunggal in identifying students' learning potential and interests during the implementation of the Merdeka Curriculum. The research uses a descriptive qualitative approach with primary data consisting of in-depth interviews and non-participant observation of two experienced Geography teachers. The research findings indicate that teachers face major constraints, including limited time for formal diagnostic assessments, a lack of practical training on diagnostic assessments, a large number of students making individual observation difficult, and the absence of adequate assessment instruments. The teacher's efforts to overcome these difficulties include a personal approach to students, behavioral observation, and varied teaching methods, although these are not yet optimal in supporting differentiated learning. This research provides important recommendations for the development of teacher training and school policies to more effectively support the assessment of student potential and interests within the context of the Merdeka Curriculum.

The rapid development of digital media has created a communication pattern in which information spreads quickly and often without verification. In this situation, hoaxes and disinformation have emerged as a serious threat that affects social trust, religious harmony, and individual behavior in online spaces. This study aims to explore Qur’anic principles that are relevant for building critical awareness, especially through the momentum of Nuzul Qur’an as an illustration of revelation that guides people in understanding messages accurately. The research uses a qualitative descriptive-analytical design with a thematic tafsir approach to examine verses related to verification, prohibition of false speech, and speaking truth. Primary sources consist of the Qur’an and classical as well as modern commentaries, while secondary sources include books and scientific articles on digital literacy and misinformation. The findings show that Qur’anic principles such as tabayyun, avoidance of false accusation, and responsibility in communication are aligned with core elements of digital literacy that require users to identify reliable sources and evaluate messages before sharing. The conclusion suggests that integrating Qur’anic ethical values into digital literacy programs can reduce the circulation of hoaxes and strengthen a culture of truth in digital interaction.

Cognitive concentration constitutes a pivotal determinant within the educational process; when an individual exhibits impaired attentional capacity, the instructional input received is unlikely to be effectively encoded into neural pathways or long-term memory, thereby rendering the expenditure of effort, time, and resources essentially futile. This investigation sought to elucidate the associative dynamics among breakfast consumption patterns, levels of physical activity, and sleep quality in relation to academic concentration among students in Grades X and XI within the North Bogor District. Employing a cross-sectional methodological framework, the study encompassed 101 participants whose selection adhered to an observational analytic approach. Empirical data pertaining to breakfast behavior, physical activity, sleep quality, and concentration performance were acquired through standardized self-administered questionnaires. Analytical procedures were conducted using the chi-square statistical test. The inferential findings demonstrated a statistically significant association between breakfast habits (p = 0.002) and sleep quality (p = 0.008) with learning concentration, whereas physical activity exhibited no significant correlation (p = 0.831). Accordingly, the study substantiates that breakfast regularity and sleep quality are meaningfully interrelated with students’ concentration levels, while physical activity does not manifest a measurable relationship with concentration outcomes

The phenomenonoccurring in various universities shows an increase in cases of academic fraud, such as cheating, plagiarism, research data manipulation, and misuse of technology in the learning process. This behavior not only undermines academic integrity, but also has the potential tocreate a mindset of cheating that carries over into the workplace. Integrityis a fundamental value that forms the moral foundation of every aspect oflife, both in education and in the workplace. In the context of higher education, students are expected not only to excel academically,but also to possess honesty, responsibility, and strong professional ethics.Accountants are future professionals who will be directly involved inthe management and financial reporting of organizations. This profession demandsa very high level of honesty and integrity, because the accuracy andreliability of financial reports form the basis for business and public decision-making. However, in practice, there are many cases of accounting fraud, such as budget mark-ups, financial statement manipulation, creative accounting, and data misstatement, which occur due to weak values of integrity and moral responsibilityamong individuals. If dishonest behavior has already been established during college—for example, in the form of cheating, manipulating assignment data, or falsifying lab reports—then the risk of bringing similar habits into the workplace will be even higher. Integrity is a core competency (core comp) that determines a person's quality as an organizational asset

This study aims to provide a comprehensive understanding of how psychological well-being (PWB) influences employee performance through a Systematic Literature Review approach. By analyzing a range of relevant and open-access studies, this review synthesizes key findings to identify patterns that explain the relationship between psychological well-being and work outcomes. The analysis reveals that PWB is a crucial internal factor shaping productive, stable, and consistent employee behavior. Individuals with higher levels of psychological well-being tend to demonstrate stronger motivation, higher discipline, and better adaptability when facing pressure or organizational changes. Beyond its direct influence, PWB also acts as a connecting variable between other determinants such as job satisfaction, work-life balance, and organizational support and improved performance. Overall, the review highlights that psychological well-being is not merely a personal condition but a strategic resource that significantly contributes to long term organizational productivity. Therefore, enhancing employee well-being should be integrated into human resource management practices as both a preventive measure and a long term capacity building strategy.  

This study critically examines the effectiveness of early intervention programs in addressing war-related trauma in the Middle East by meta-synthesizing forty-seven interventions implemented between 2010 and 2024. The analysis demonstrates that cognitive behavioral therapy (CBT) based interventions achieved a success rate of 78.3 percent with p value less than 0.001 in reducing post-traumatic stress disorder symptoms, with an effect size of d equal to 0.86 indicating substantial therapeutic strength. Group based interventions showed higher effectiveness (83.2 percent) than individual approaches (71.5 percent), and programs involving family support yielded better recovery outcomes (84.7 percent) than those without family involvement (69.3 percent). Regression analysis identified three primary predictors of successful intervention outcomes, namely intervention duration (beta 0.42, p value less than 0.001), therapist cultural competence (beta 0.38, p value less than 0.001), and the integration of social support systems (beta 0.35, p value less than 0.001). These findings expand on prior studies by Ennis et al. (2020) and Mawar et al. (2025), which were limited to evaluating CBT effectiveness, and also reinforce the significance of cultural dimensions and social support systems as critical determinants. In contrast to the meta analysis by Nocon et al. (2017), which reported an effectiveness rate of 65 percent for individual interventions, the present study reveals the superiority of group based approaches in communal Middle Eastern societies. The novelty of this study lies in its comprehensive identification of culturally sensitive determinants of early intervention success and the formulation of an integrative model positioning family support as an essential component in protocols for war-related trauma care.

This study aims to analyze the influence of proactive behavior on competitive advantage in quail breeder MSMEs in Bendowulung Village, Sanankulon District, Blitar Regency. The background of this research is based on the importance of increasing the competitiveness of MSMEs in the livestock sector in order to be able to survive and develop in the midst of increasingly competitive market competition. The research method uses a quantitative approach with data collection techniques through surveys or questionnaires distributed to quail farming MSMEs. The data were analyzed using statistical methods, including validity tests, reliability tests, classical assumption tests, linear regression tests, and hypothesis tests to determine the significance of the influence of proactive behavior on competitive advantage. The results of the study show that proactive behavior has a positive and significant influence on competitive advantage. These findings indicate that the higher the level of proactive behavior of an individual or organization, the greater their ability to innovate, take initiative, and adapt to changing business environments. Thus, proactive behavior is a strategic factor in strengthening the position of quail breeder MSMEs in the market, increasing revenue, and encouraging sustainable business performance. This research contributes to the development of MSME management theory and practical recommendations for business actors and policy makers.

This research was motivated by the condition of a subject who frequently displayed deviant sexual behaviors at school. The main objective of this study is to determine the effectiveness of the aversive procedure technique in reducing the frequency of sexual behavior deviations in a student with Down syndrome. The subject of this study was a tenth-grade student with Down syndrome at SKh Negeri 01 Kota Serang who exhibited deviant behaviors such as touching private parts of their body in public, hugging classmates without permission, and imitating sexual movements. The method used in this research was an experimental approach with a Single Subject Research (SSR) design of the A-B-A type, consisting of three phases: baseline-1 (A1), intervention (B), and baseline-2 (A2). The aversive procedure technique was applied by giving an unpleasant stimulus every time the deviant behavior appeared, aiming to create a deterrent effect and reduce the frequency of the behavior. The results of the study showed a significant decrease in the frequency of deviant sexual behavior after the intervention. This indicates that the aversive procedure technique is effective in reducing the frequency of deviant sexual behavior in students with down syndrome when implemented in a structured manner and adapted to the individual's psychological condition.

Tax fairness has become a central concern in improving individual taxpayer compliance in Indonesia, particularly amid increasingly complex regulations and declining public trust in fiscal institutions. This study stems from the urgent need to understand how individual taxpayers interpret the notion of tax fairness and how these interpretations shape their willingness to comply. The primary objective is to explore the underlying dimensions of tax fairness procedural, distributive, and interactional and to explain how these dimensions relate to the development of voluntary compliance. Employing an interpretive qualitative approach, this research relies on in-depth interviews with 15 individual taxpayers located in Jakarta, Yogyakarta, and Medan, selected through purposive sampling. The data were examined using Interpretative Phenomenological Analysis (IPA) to uncover recurring themes and the subjective experiences shared by participants. Findings reveal that perceptions of procedural and interactional fairness exert the strongest influence on compliance behavior, while distributive fairness is often viewed negatively due to perceived inequality in public benefit allocation and the complexity of tax rules. Trust in government and social morality emerge as critical mediators linking fairness perceptions to voluntary compliance. The study contributes theoretically by integrating Equity Theory, Tax Morale Theory, and the Slippery Slope Framework within the Indonesian cultural context, emphasizing that tax fairness forms the moral foundation of voluntary compliance. Practical implications highlight the need for equitable public services, stronger fiscal transparency, and value-based tax education. Future research is encouraged to adopt mixed-methods designs to provide deeper quantitative insights into the relationship between fairness, trust, and tax compliance across diverse social settings.

This study aims to examine how Generation Z in Sukoharjo Regency makes iPhone purchases based on their impressions of the brand and product quality. Generation Z is known to be highly tech-savvy, analytical, and selective in purchasing goods, especially mobile phones. With rapid technological advancements and intense competition among smartphone brands, it is crucial for companies to understand what aspects influence young consumers' purchasing decisions. We used a quantitative approach based on survey data obtained from 30 individuals who are current iPhone users or are considering purchasing one.The decision to buy is the dependent variable in this study, whereas product quality and brand perception are the independent variables. This data analysis examines whether these two separate factors influence customer purchasing decisions. According to the study, Generation Z purchases iPhones based on brand and product quality. Based on these findings, attracting young consumers as buyers depends on positive brand perceptions and high-quality product offerings. Marketing academics, especially those specializing in consumer behavior, can benefit from the theoretical contributions of this study, while business owners and marketers can use the practical implications of this research to better target Generation Z in the digital age. Gen Z's smartphone purchases are heavily influenced by brand image and quality.

Consumptive behavior refers to the tendency of individuals to purchase goods or services excessively, driven not by need but by the desire for personal satisfaction. University students are particularly vulnerable to such behavior, especially given the ease of access to e-commerce platforms and limitations in personal financial management. Pocket money received and students’ level of financial literacy are key factors shaping their consumption patterns. This study analyzes the effects of e-commerce, pocket money, and financial literacy on the consumptive behavior of undergraduate students in the Development Economics Study Program at Udayana University. A quantitative approach was employed, using a survey of 90 respondents selected through stratified random sampling. Data were analyzed using multiple linear regression. The results show that, jointly, e-commerce, pocket money, and financial literacy significantly affect students’ consumptive behavior. Partially, e-commerce and pocket money have positive effects, whereas financial literacy has a negative effect. This indicates that higher financial literacy reduces the tendency toward consumptive behavior.

This study aims to describe the perspectives of economic actors regarding the importance of money in daily interactions and transactions. Money, as a medium of exchange, not only facilitates the transfer of goods and services but also shapes more efficient and structured economic behavior. In everyday activities, economic actors view money as an instrument that provides value certainty, transactional convenience, and flexibility in managing needs and expenditures. The role of money is also understood as a factor influencing socio-economic relationships, as interactions between individuals are often grounded in transactional processes that require trust and universally accepted exchange values. Furthermore, the development of payment technologies has broadened economic actors’ understanding of money, especially within the context of digitalized transactions. This study illustrates that money is not merely a transactional tool but also a crucial element in shaping the socio-economic dynamics of modern society. The findings are expected to contribute to microeconomic discussions related to how economic actors utilize money as a fundamental instrument in daily economic activities.

This study aims to systematically review the determinants of innovative work behavior in MSMEs in the digital era in Indonesia. The research method uses Systematic Literature Review (SLR) with the design of the PRISMA framework. The data sources used were obtained from various databases of quality scientific publications including emerald, taylor and francis, springerlink, and sciencedirect, with a time range from 2020 to 2025. A total of 15 international scientific articles published in the period were analyzed for further identification of the main trends, main topics, and research directions. The results of the study show that the results of the study show that three main components consist of Innovative Work Behavior Determinants (PKI) in Micro, Small, and Medium Enterprises (MSMEs) in the modern era: Organizational/Interpersonal Factors, Leadership Factors, and Individual Factors. This Systematic Review serves as a comprehensive summary of evidence that collectively corroborates individual findings, increases confidence in applicable practices, and directs MSME strategies to ensure survival and competitive advantage amid the challenges of the digital age.

Globalization is a major phenomenon that brings rapid changes in the mindset, behavior, and culture of society, including students in formal educational settings. This condition presents significant challenges for Islamic Religious Education, which plays a crucial role in shaping character and internalizing Islamic values. This study aims to analyze how globalization influences students’ understanding, attitudes, and practices of Islamic values, as well as how Islamic Religious Education can respond adaptively to these changes. This research employs a qualitative approach using a literature study method that reviews books, scholarly articles, and relevant documents related to globalization, Islamic education, and character formation. Data were analyzed through processes of collection, classification, and interpretation to identify patterns of global influence on Islamic values. The findings reveal that globalization offers two major impacts: opportunities for the development of religious literacy through technological and informational access, and threats in the form of external values such as hedonism, individualism, and decreasing religious sensitivity. These findings highlight the need for educational strategies that balance the use of technology with the reinforcement of Islamic character, including the integration of Islamic values into digital-based learning, strengthening teacher role modeling, and habituating moral behavior within school activities. The implications of this study emphasize the importance of innovation in Islamic Religious Education to maintain the relevance of Islamic values amid the ongoing developments of globalization.

Social media represents a significant advancement in information technology that plays an essential role in facilitating communication and social interaction within society. Environmental care behavior reflects individual efforts to support and promote environmental sustainability. This study specifically targets Generation Z and millennials as future generations, emphasizing the importance of instilling environmental awareness and encouraging the maintenance of environmental cleanliness in all settings. Based on these considerations, the Instagram account @pandawaragroup was selected as the independent variable of this study, with a primary focus on environmental care behavior influenced by the content shared on the account. This research aims to examine the extent to which the Instagram account @pandawaragroup affects environmental care behavior. A quantitative research approach was employed, utilizing a random sampling technique by distributing questionnaires to 100 respondents who are followers of the @pandawaragroup Instagram account. Data analysis was conducted using simple linear regression with the assistance of IBM SPSS version 2025. The results of the hypothesis testing indicate that the use of the Instagram account @pandawaragroup has a significant effect on environmental care behavior, with a coefficient of determination of 17%. This finding suggests that the Instagram account @pandawaragroup contributes 17% to shaping environmental care behavior, while the remaining 83% is influenced by other factors beyond the scope of this study.

Premarital sexual behavior among adolescents remains a public health concern influenced by social change, technological development, and social environment. This study aims to analyze factors associated with adolescent premarital sexual behavior based on the Health Belief Model (HBM). A systematic literature review was conducted on eight studies published between 2019 and 2025, including journal articles, undergraduate theses, and a doctoral dissertation. The findings were analyzed by categorizing the results into six HBM components: perceived susceptibility, perceived severity, perceived benefits, perceived barriers, cues to action, and self-efficacy. The results indicate that perceived susceptibility is the most consistently associated component with adolescent premarital sexual behavior. Perceived severity, perceived barriers, cues to action, and self-efficacy also show significant associations in several studies, whereas perceived benefits demonstrate the weakest and most inconsistent relationship. Overall, adolescent premarital sexual behavior is shaped by the interaction between risk perception, environmental support, and individual confidence in behavioral control. These findings confirm that the Health Belief Model remains a relevant framework for designing adolescent health promotion and preventive interventions.

The use of electronic cigarettes (vapes) among adolescents continues to increase and has emerged as a significant public health concern influenced by the interaction of individual, social, and environmental factors. This study aims to comprehensively riview the factors influencing adolescent e-cigarette use from the perspective of Social Cognitive Theory. A descriptive-narrative literature review was conducted using empirical national and international studies published between 2015 and 2025 and retrieved from Google Scholar, PubMed, and ScienceDirect databases. The synthesis of the literature indicates that adolescent vaping behavior is influenced by social environmental factors, including peer influence and exposure to social media, as well as personal cognitive factors such as knowledge, risk perception, outcome expectations, and self-efficacy. These factors operate thorugh observational learning and reciprocal interactions between individuals, environment, and behavior. This review concludes that Social Cognitive Theory provides a relevant and comprehensive framework for understanding adolescent vaping behavior and offers a foundations for the development of effective health promotion interventions and preventive policies.

Smoking behavior among adolescents in Indonesia remains a serious public health challenge with increasing prevalence. Adolescence is a vulnerable period where psychological factors and the social environment significantly influence the decision to smoke. This study aims to review the factors influencing smoking behavior among adolescents based on the Health Belief Model (HBM) theoretical framework. This study is a literature review that analyzes various research findings related to the determinants of smoking behavior using HBM components. The analysis shows that all dimensions of HBM play a role in shaping smoking behavior. Self-efficacy and perceived susceptibility were found to be the strongest predictors. Although adolescents have a good perceived severity of the dangers of smoking, they are often hindered by high perceived barriers, such as peer pressure and psychological dependence. Consistent cues to action and perceived benefits are proven to encourage prevention and smoking cessation efforts. Adolescent smoking behavior is strongly influenced by individual beliefs in self-ability and health risks. Health interventions should focus on strengthening self-control and managing social influences to reduce the number of adolescent smokers.