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The development of the digital economy in Indonesia has driven various innovations in the financial services sector, including online lending services (PINJOL) and digital financial platforms. This phenomenon presents both opportunities and challenges for the national financial supervisory system. The Financial Services Authority (OJK), as the institution authorized to regulate and supervise financial services, is required to adapt its role to these dynamics. This study aims to examine the institutional challenges faced by the OJK in carrying out its supervisory function over online lending services and digital financial services in Indonesia. The methods used in this research are normative juridical, with a statute approach, legal theory and institutional theory (Conceptual approach), case approach, and a comparison of fintech supervisory models with those of other countries (Comparative approach). The results of this study are expected to provide an understanding of the OJK's institutional challenges and serve as evaluation material for formulating future digital financial supervisory policies. 

The rapid advancement of digital technology has reshaped the behavior and communication patterns of young people, including church youth who are highly active on social media. However, the lack of digital literacy and legal awareness often leads to the spread of hoaxes, unethical online behavior, and the risk of digital sexual harassment. This Community Service Activity (PKM) titled “Strengthening Digital Legal Literacy for Church Youth: Anti-Hoax Awareness and Prevention of Online Sexual Harassment under Indonesia’s ITE Law No. 1 of 2024” was carried out at HKBP Bethesda Perumnas Mandala Church, aiming to enhance youth understanding of the ITE Law and encourage responsible social media use. The activity was conducted through an interactive seminar and discussion involving 30 participants, focusing on three core topics: understanding the ITE Law, anti-hoax education, and digital sexual harassment prevention. The results showed a significant increase in participants’ awareness of digital ethics, legal responsibility, and strategies for online safety. Participants actively engaged in discussions, demonstrating high enthusiasm and comprehension of the material. This activity proves that collaboration between universities and churches can effectively promote digital legal literacy and moral awareness among the younger generation, supporting the creation of a safe, ethical, and law-abiding digital environment.

This study aims to examine in depth how gender equality values are integrated into Buddhist Religious Education (PAB) at the junior high school level, based on the Merdeka Curriculum. Through a content analysis approach to character representation, women's roles, language, visual illustrations, access to Dhamma education, gender equality values, role models of female characters, students' critical reflections, and narrative-visual consistency, this study identifies significant gaps in gender representation. Using a qualitative approach, data were collected through content analysis of PAB textbooks for grades VII–IX and interviews with three Dharma teachers in Jakarta. The results show that the representation of female characters in the textbooks is very limited and the learning narratives tend to be normative without addressing structural aspects of gender inequality. The findings indicate the dominance of male characters, the lack of functional narratives about nuns and women, and the use of language and illustrations that tend to reinforce traditional gender stereotypes. Although there are attempts to mention gender equality in some chapters, the integration is not comprehensive and consistent across the materials. This article recommends the development of a more inclusive curriculum and teaching materials, encouraging balanced gender representation, and integrating gender equality values holistically in Buddhist religious education to form a more equitable and comprehensive understanding for students, as well as teacher training based on critical pedagogy and revision of learning content to reflect gender equality in Buddhist teachings.

This study aims to describe the professional competence of Early Childhood Education (ECE) teachers in implementing technology-based learning at PAUD “X”. Teacher professionalism plays a crucial role in determining the quality of early childhood learning, particularly in the digital era where educators are expected to adapt to technological advancements. This research employs a descriptive qualitative approach, utilizing observations and semi-structured interviews to obtain an in-depth understanding of teachers’ abilities in managing learning processes, mastering instructional content, and integrating appropriate learning media. The findings indicate that teachers demonstrate strong pedagogical, social, and personal competencies. They successfully create an engaging and  developmentally appropriate learning environment, use language that is easily understood by young children, and exhibit patience, discipline, and effective communication skills. Positive interaction among teachers, children, and parents contributes to a supportive and collaborative learning atmosphere. Teachers also incorporate simple learning materials, such as origami and visual aids, to enhance student engagement. Nevertheless, the study reveals that teachers’ professional competence in utilizing digital technology remains limited. Although technological tools are available, several teachers lack confidence and technical skills in operating digital devices, such as projectors and interactive media. Insufficient training and mentoring are identified as primary barriers. The study concludes that strengthening teachers’ technological competence should be prioritized through continuous professional development programs, including structured training and peer mentoring. Enhanced technological skills will enable teachers to design learning experiences that are more interactive, innovative, and responsive to the developmental needs of young children.

This study aims to improve students' understanding of figurative language material through the application of the Bus Stop cooperative learning model combined with the Frayer Diagram media. The subjects of the study were sixth-grade students of Muhammadiyah 1 Bontang Elementary School. The method used was descriptive qualitative with observation, interview, and documentation techniques. The results of the study showed that the Bus Stop strategy encouraged active interaction between students, allowing them to discuss and provide feedback to each other. Meanwhile, the Frayer Diagram helped students map the concept of figurative language visually and systematically, thus facilitating their understanding of the four types of figurative language taught, namely personification, metaphor, hyperbole, and simile. The combination of these two methods proved effective, with 90% of students showing an increase in their ability to identify and construct figurative sentences. Based on these results, the study recommends the use of cooperative strategies combined with visual media as a more meaningful and enjoyable approach to learning Indonesian, and able to increase student engagement and understanding of figurative language material.

Low back pain is a discomforting condition that can cause various disorders and potentially disrupt a person's quality of life, such as causing decreased work productivity. Therefore, it is important for the community, especially farmers in Bulakrejo Hamlet, Ngawi Regency. To improve understanding of low back pain, efforts are needed to expand farmers' knowledge regarding this condition, including its definition, prevention, and treatment in Bulakrejo Hamlet. The method applied was providing physiotherapy education through health promotion about low back pain using leaflets as a medium for information delivery. A question and answer session was also conducted to measure the level of understanding of farmers in Bulakrejo Hamlet and provide exercises that can address problems of weakness, stiffness, limitations and pain in the back muscles. The activity ran smoothly and the material was easily understood by farmers in Bulakrejo Hamlet. Evaluation results showed an increase in farmers' knowledge, from 40% to 90%. The extension activity proved effective in increasing farmers' understanding of low back pain cases.

The purpose of this activity is to conduct outreach on improving reproductive management in beef cattle. This activity was carried out in Laitutun Village, Letti District, Southwest Maluku Regency, which took place in September 2025. The target of this activity was beef cattle breeders in Laitutun Village. The implementation of this activity includes two stages, namely: the preparation stage and the implementation stage. In the preparation stage, surveys, licensing coordination, and problem identification were conducted, to identify problems in the livestock sector. In the implementation stage, outreach was conducted on improving reproductive management in beef cattle in Laitutun Village. The material presented was reproductive management and various reproductive problems that can hinder the increase in the beef cattle population in Laitutun Village. This outreach activity involved all Laitutun Village Staff and the livestock community who raise beef cattle. The conclusion of this activity was increased information, knowledge, and understanding of good reproductive management, increased knowledge about the cycle and signs of estrus as well as the right time for mating and producing pregnancy, and increased motivation of the livestock community in developing the beef cattle business by increasing its population.

The internationalization of the Indonesian language and culture has become a crucial strategy in strengthening cultural diplomacy in the Southeast Asian region, particularly through the Indonesian Language for Foreign Speakers (BIPA) program. As a strategic partner country, Thailand hosts several universities that offer BIPA programs, including Chiang Mai University. However, a key challenge in implementing BIPA instruction abroad is the limited availability of contextual teaching materials that specifically reflect the richness of Indonesian culture. This study aims to examine the process and outcomes of a training program on the development of BIPA teaching materials based on Solo Batik for students at Chiang Mai University as a concrete form of Indonesia’s language and cultural internationalization. The research employs a descriptive qualitative approach, with data collected through participatory observation during the training sessions, semi-structured interviews with facilitators and participants, and document analysis of the teaching materials developed. The findings reveal that the training not only enhanced students’ understanding of the structure and functions of the Indonesian language but also fostered their appreciation of the cultural values embedded in the motifs, philosophy, and production process of Solo Batik. The students successfully produced creative, contextual, and learner-oriented teaching material prototypes, such as visual modules, interactive dialogues, and culture-based worksheets. These findings highlight the importance of integrating local culture into the development of BIPA teaching materials as an effective strategy for expanding the global reach of the Indonesian language. Consequently, this training serves as a collaborative model that can be replicated in other countries to support the sustainable internationalization of Indonesia’s language and cultural policies.

This community service research aims to improve the knowledge and skills of Generation Z in Blitar City in organizing funeral prayers according to Islamic law. This activity is motivated by the low understanding of the younger generation regarding the procedures for performing funeral prayers, even though it is part of the fardhu kifayah obligation that should be understood by every Muslim. Through this training activity, it is hoped that Generation Z will have theoretical and practical skills in performing funeral prayers correctly and raise awareness of the importance of social and spiritual responsibility in community life. The method used is Participatory Action Research (PAR) by actively involving participants in two stages of activities, namely providing material on the laws, pillars, and prayers of funeral prayers, as well as direct practice of its implementation guided by competent speakers. The results of the study showed that this training went well and received a positive response from the participants. Based on the results of the pre-test and post-test, there was an average increase in knowledge scores of 42%, which indicates a significant increase in the understanding and skills of participants. Participants were able to explain the pillars, valid conditions, and procedures for funeral prayers correctly. In addition to increasing knowledge, this activity also strengthens religious values, social responsibility, and spiritual awareness among the younger generation. Therefore, this training is effective in shaping a Generation Z that is knowledgeable, moral, and committed to the teachings of Islam in its entirety.

This community service aims to implement recycling activities for children as an educational strategy to foster environmental awareness from an early age. In the context of increasing environmental challenges, environmental education is an urgent need to shape a caring and responsible character for environmental sustainability. The method used is participatory learning with direct practice of recycling waste that actively involves children, accompanied by education on waste management, sorting, and the reuse of used materials into useful products. This approach uses observation, and documentation as data collection techniques to evaluate children's understanding and behavior. The results of the community service show a significant increase in children's awareness and concrete actions in protecting the environment after participating in the recycling activity. Children not only understand the concept of environmental conservation theoretically, but also practice it in their daily lives, such as sorting waste and reducing plastic waste. This community service's contribution to the development of science in the field of education lies in the successful implementation of an experiential learning model that integrates cognitive, affective, and psychomotor aspects in instilling environmental values. This educational model enriches an effective and contextual approach to environmental education, while also providing a strategic alternative for fostering environmental awareness among the younger generation. Thus, this community service makes a significant contribution to the development of educational methods that can strengthen sustainable development through the active participation of children from an early age.

The ability to write scientific papers is an essential competency for students in supporting academic achievement and readiness to face the world of work and research. However, many students still experience difficulties in compiling scientific papers, especially in the aspects of writing systematics, the use of academic language, and reference management. In response to this problem, the service team carried out a Scientific Writing Preparation Training for PASIM National University students as a form of implementation of the Tri Dharma of Higher Education in the aspect of community service. The training method uses an andragogy approach through interactive lectures, discussions, and hands-on practice. The activity was attended by around 50 students across study programs. The training material includes an introduction to scientific papers, writing rules, topic determination techniques, reference search and management, and outline preparation. Evaluation was carried out through observation, assessment of written products, and satisfaction questionnaires. The results showed an increase in participants' understanding by 30–40% based on the comparison of pre-test and post-test. All participants succeeded in compiling an outline of scientific papers, and the majority expressed satisfaction with the training. This activity has proven to be effective in improving students' scientific writing skills and fostering academic motivation and culture. It is recommended that similar training be carried out on an ongoing basis with intensive mentoring to support the improvement of the quality of human resources and contribution to student scientific publications.

This study aims to assess the effectiveness of the Discovery Learning model that utilizes the surrounding environment in improving the learning outcomes of Biology Science on plant material and its functions in grade 3 students of MI Al Barokah Jember. This approach refers to David A. Kolb's experiential learning theory and Jean Piaget and Lev Vygotsky's constructivism theory, which emphasizes the importance of active student involvement through real-life experiences and social interactions. This study uses a Classroom Action Research (CAR) model with four stages: planning, implementation, observation, and reflection. The research subjects were 24 students, with data obtained through observation, learning outcome tests (pre-test and post-test), and reflective interviews. Data analysis was carried out using quantitative and qualitative descriptive methods. The results showed a significant increase in students' conceptual understanding, with an average pre-test score of 60 increasing to 82 in the post-test, and 83% of students showed improved learning outcomes. Student activity also increased, with more students actively involved in observations, discussions, and presentations. As many as 80–85% of students were able to explain the functions of plant parts based on direct observation. Students responded positively to this lesson, but there were limitations in the variety of plants and the timeframe. It is recommended to reinforce initial understanding with visual aids and allow more time for group discussions.

The moral crisis and low religious understanding among the younger generation pose serious challenges in shaping students' character in accordance with Islamic teachings. This phenomenon is increasingly exacerbated by the rapid flow of globalization and technological developments that are not always in line with the principles of Islamic law. In this context, the existence of Madrasah Diniyah (Islamic Madrasah) is a strategic solution to equip students with a deep understanding of religion while simultaneously forming a strong Islamic personality (syakhsiyah Islamiyyah). This study aims to determine the role of Madrasah Diniyah in improving mastery of Islamic religious knowledge and shaping Islamic character in students. The study used a descriptive qualitative approach with the aim of systematically describing the learning process and its impact on student development. Data were collected through observation, in-depth interviews with teachers and students, and analysis of learning documents. The results show that Madrasah Diniyah plays a significant role in improving mastery of Islamic religious knowledge through structured learning that includes the Qur'an, aqidah, fiqh, and morals. This material not only broadens students' religious knowledge but also instills the values of faith, worship, and noble morals that serve as the foundation for daily behavior. This success is supported by teachers who possess strong scientific and pedagogical competence, varied learning methods, and harmonious relationships between teachers, students, and parents. Furthermore, a conducive madrasah environment helps strengthen the internalization of Islamic values. Thus, Madrasah Diniyah serves as a vital partner in the Islamic education system, particularly in instilling an Islamic personality from an early age, thus fortifying the younger generation against the negative influences of globalization and shaping a generation of faith, knowledge, and noble morals.

This research is motivated by the importance of business licensing in the trade of goods and services sector as an instrument of legality, supervision, and legal protection; however, its implementation still faces gaps between normative regulations and practices in the field. The purpose of this study is to analyze the level of business actors’ compliance with licensing obligations, identify obstacles in the implementation of risk-based licensing policies, and evaluate their impact on compliance. The method used is library research with a normative juridical approach, through an examination of primary legal materials in the form of laws and related regulations, as well as secondary and tertiary legal materials from scientific literature. The results show that the effectiveness of risk-based licensing policies has not been optimally achieved due to low legal literacy, limited digital understanding, and the perception that licenses are merely a formality, causing many business actors to neglect administrative obligations. This condition illustrates the existence of a gap between regulatory objectives and implementation practices. These findings emphasize the need for procedural simplification, intensified socialization, and strengthened technical assistance so that licensing policies become more responsive to the needs of business actors, while simultaneously encouraging compliance and enhancing national economic competitiveness.

The concept of hubuddunya (love of the world) within the Akidah Akhlak subject holds a strategic role in shaping the moral and spiritual character of students, particularly in the midst of globalization, materialism, and consumerist culture that increasingly influence young generations. This study seeks to critically analyze the teaching materials of Akidah Akhlak for Grade X at MA YASPI Cicantayan, focusing on the hubuddunya topic. The main objective is to evaluate the relevance, depth, and effectiveness of these materials in fostering students’ awareness of moral values, as well as their ability to apply Islamic principles in daily life. This research employs a qualitative approach with a descriptive method, collecting data through documentation of learning resources, observation of lesson plans (RPP), and in-depth interviews with teachers. The data analysis process was conducted through reduction, classification, and interpretation of findings to obtain a comprehensive picture of the existing instructional practices. The results reveal that the current teaching materials tend to remain highly theoretical and emphasize the transfer of knowledge rather than transformative learning. Consequently, they do not adequately address contextual issues faced by students in their real-life environment. The affective and psychomotor aspects of students’ moral development are not optimally stimulated, leaving a gap between conceptual understanding and practical application. Furthermore, essential Islamic values such as zuhud (detachment from excessive worldliness), qanaah (contentment), and tawakal (trust in God) have not been integrated effectively as counterbalances to materialistic tendencies. The implications of this study underline the urgency of developing Akidah Akhlak teaching materials that are more contextual, student-centered, and relevant to contemporary challenges. Such materials should not only transmit religious knowledge but also foster reflective thinking, emotional maturity, and behavioral consistency, thereby preparing students to face globalization with strong faith, resilience, and anti-materialistic attitudes.

This community service program was carried out in Dolok Kahean Village, Tapian Dolok District, Simalungun Regency, with the main focus on optimizing digital literacy to increase the competitiveness of micro, small, and medium enterprises (MSMEs). The purpose of this program is to strengthen the competitive position of MSMEs, especially Rengginang Ibu Saliem, who still rely on conventional marketing systems and have a minimal understanding of business digitalization. The method used is a participatory and educational approach, carried out in four systematic stages: needs assessment, material design, program implementation, and mentoring and evaluation. The results of the activity showed significant achievements, with an increase in digital literacy understanding by 80% based on a comparison of pre-service and post-service. In practice, partners have succeeded in forming a business digital identity, namely @rengginanghuta_ibusaliem Instagram accounts, and are able to run digital marketing starting from content processes to customer interaction. Theoretically, these findings strengthen the argument that digital literacy is an essential foundation in facing the challenges of the digital economy, where increased competitiveness is not only influenced by technical skills, but also by changes in mindset and business independence. The implication of this program is that local MSMEs now have adequate capabilities and platforms to expand market reach beyond the village boundaries.

Work activities in workshops often require static and repetitive body positions, such as bending over, lifting heavy loads, or reaching into narrow areas of vehicles. These habits can gradually cause muscle tension and lead to neck and lower back pain. Given the high risk, physiotherapy counseling on occupational safety and health (OSH) and ergonomics was conducted to provide practical understanding to B-Garage, Batu City workshop workers. The counseling was delivered interactively through material presentations, direct discussions, and demonstrations of stretching exercises that can be easily applied in daily activities. The results of the activity showed a very significant increase in knowledge; participants who initially did not understand the principles of ergonomics and musculoskeletal pain prevention were able to identify work risks and practice stretching exercises correctly after the education session. This change was clearly evident from the post-test results, which showed a significant overall improvement compared to the pre-test. These findings indicate that physical therapy education not only enhances knowledge but also promotes behavioral changes toward safer, more comfortable, and more productive work patterns.

Fiqih learning at the Madrasah Ibtidaiyah level plays a crucial role in shaping students’ understanding of proper worship practices in accordance with Islamic law. However, in practice, fiqih instruction is often delivered through verbal and teacher-centered approaches, causing students to focus more on memorization rather than meaningful understanding and correct application. This study aims to examine the implementation of the demonstration method in fiqih learning as an effort to improve students’ understanding of worship procedures, particularly in practical materials such as ablution, prayer, and other daily acts of worship in Madrasah Ibtidaiyah. The demonstration method is considered appropriate because it allows students to directly observe the processes and stages of worship practices, making learning more concrete, contextual, and meaningful. The findings indicate that the application of the demonstration method effectively enhances both conceptual and practical understanding of students, increases learning motivation, and minimizes errors in performing worship. Students not only comprehend the sequences and recitations of worship but are also able to practice them correctly in accordance with fiqih principles. Therefore, the demonstration method can serve as an effective learning approach in fiqih instruction at the Madrasah Ibtidaiyah level to develop a comprehensive understanding of worship that integrates cognitive, affective, and psychomotor aspects.

This study examines the implementation of deep learning integrated with Problem Based Learning (PBL) in Fiqh subjects at MAS Al-Mashuriyah Pagelaran Cianjur. Using a descriptive qualitative design, data were gathered through classroom observations, interviews with teachers and students, and documentation across six instructional meetings in grades XI and XII. The results show that the combination of deep learning and PBL substantially increases students’ active participation and encourages them to think more critically, especially when studying purification (thaharah) materials. Through group discussions, case-based problems, and guided exploration of Islamic legal sources, students were able to connect theoretical concepts to everyday religious practices. This approach allowed learning to shift from memorization toward deeper conceptual understanding and contextual application. The teacher served primarily as a facilitator, providing direction and scaffolding while giving students space to analyze, argue, and draw conclusions independently. Overall, the findings indicate that integrating deep learning with PBL is an effective pedagogical strategy for enhancing the quality of Fiqh learning at the madrasah level, as it not only improves comprehension but also fosters analytical thinking, collaboration, and the ability to apply Islamic legal principles in practical situations.

This study aims to describe the implementation of Islamic financial literacy training and its impact on enhancing students’ understanding of Islamic economics at SMK Negeri 1 Dolok Masihul. The research employed a qualitative descriptive approach involving 25 students as participants. Data were collected through observation, interviews, questionnaires, and documentation. The results show that the training, conducted through interactive methods such as discussions, simulations, and case studies, significantly improved students’ knowledge of Islamic financial principles, including profit-sharing (mudharabah and musyarakah), prohibition of riba, and ethical financial management. The average understanding level increased from 63% before the training to 87% afterward. Supporting factors included teacher involvement, engaging materials, and the practical relevance of the content, while limiting factors were time constraints and lack of reference materials. Overall, the implementation of Islamic financial literacy training proved effective in strengthening students’ conceptual and practical understanding of Islamic economics and can serve as a model for integrating Sharia-based financial education in vocational schools.