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This study investigates the educational role of a mother in Iwan Setyawan’s Novel 9 Summers 10 Autumns. The research addresses three main problems: (1) How does the mother prioritized family needs in 9 Summers 10 Autumns novel a translated by Maggie Tiojakin (2) How does the role of mother to create children’s educations in 9 Summers 10 Autumns novel a translated by Maggie Tiojakin. Using a qualitative approach, data were collected through documentation. The data collection process in this research involves identified, classified, analyzed, and organized systematically to support the completion of the research. The data were analyzed through identification, classification, description, and interpretation. The findings reveal that she manages household needs with precision, provides warmth and security, and remains strong despite her husband's imprisonment. Her modest home, though small, becomes a place filled with love, simplicity, and gratitude. Her sacrifices selling belongings and borrowing money reflect her unwavering dedication to her family’s survival and harmony. Her commitment to education is shown through her tireless support, never letting her children work, and always encouraging them to study and succeed. Her love and sacrifices result in her children graduating from university and eventually improving the family’s quality of life. The novel illustrates the power of maternal love, perseverance, and the profound impact of a mother’s role in shaping her children’s future.

The implementation of Supply Chain Management (SCM) makes many businesses manage information, goods, services and money as good as possible so they can provide fast and high-quality services to customers. Therefore, this study aims to implement SCM in Kopi Bintang Salatiga SMEs to decrease production costs, increase revenue, improve operational efficiency and establish good relationships with customers. This study discusses the SCM process and the added value in Kopi Bintang Salatiga SMEs so in the future Kopi Bintang Salatiga SMEs can have good risk management and increase added value. The data was collected through literature study and interviewing the owner of Kopi Bintang Salatiga SMEs. This study found that weather, natural disasters, fires and coffee pests are the factors with the highest risk in the SCM process of Kopi Bintang Salatiga SMEs. The added value of farmers & post-harvest coffee processors of Kopi Bintang Salatiga Kopi Bintang Salatiga SMEs is already quite high at 99%, while at grade I coffee sales is 71% and grade II is 47% it appears that coffee with grade II has lower added value, so it is needing accuracy of coffee processing at farmers & post-harvest coffee processors so the grade I coffee product is increased.

This study aims to analyze the impact of monetary policy on income inequality in Indonesia over a certain period of time. Monetary policy implemented by Bank Indonesia plays an important role in maintaining macroeconomic stability through instruments such as interest rates, inflation, and the amount of money in circulation. However, the implementation of this policy also has an impact on the distribution of community income. This study uses a quantitative approach with secondary data in the form of time series analyzed using econometric regression methods to measure the effect of monetary policy variables on the income inequality index (Gini Ratio). The results of the study show that variables such as the benchmark interest rate and inflation have a significant relationship to income inequality. When inflation increases, the purchasing power of the lower middle class decreases more sharply than the upper class, thus widening the gap in inequality. Conversely, controlling inflation through appropriate interest rates can help reduce economic disparities. This study provides important meaning for policy makers to pay more attention to the distribution aspect in determining monetary policy so that economic growth can be more inclusive and equitable.

This study aims to analyze the effect of monetary policy on economic growth in Indonesia. Monetary policy is an important instrument in maintaining macroeconomic stability and supporting growth, through regulating interest rates, money supply, minimum reserve requirements, and open market operations. This study uses a qualitative descriptive approach by analyzing the role of each monetary indicator and its impact on the real sector. The results of the study indicate that effectively implemented monetary policy is able to stabilize inflation, regulate banking liquidity, maintain the stability of the rupiah exchange rate, and support sustainable economic growth. In addition, the implementation of a dual monetary system in Indonesia provides additional flexibility in monetary management. This study also emphasizes the importance of harmonious coordination between monetary and fiscal policies in order to create optimal synergy in achieving national economic goals.    

In order to keep financial issues to a minimum, financial literacy has recently emerged as a critical competency for all individuals to possess. The purpose of this exercise is to help pupils become more financially literate. Problems with money arise for many students because they fail to distinguish between necessities and wants and fail to appreciate the value of savings and contingency plans. As a means of socialization, this activity employs counselling, training, and mentorship as its stages. We were able to accomplish our goal by carrying out this exercise. Since students were more engaged and asked more pertinent questions, it is safe to assume that their knowledge of financial management improved. In order to raise a generation that is financially savvy, this is the initial step. The information that students get from this exercise should be applied to their daily lives.

Inflation is a condition in which the economy is marked by a general and continuous increase in the prices of goods and services over a certain period. Inflation reflects a decrease in the purchasing power of money due to the rising prices of goods and services. This study aims to analyze the level of understanding of inflation among Generation Z in Gondanglegi District, Malang Regency. Inflation is a crucial economic indicator that affects purchasing power and decision-making, particularly for the younger generation growing up in a dynamic economic landscape.The research uses a qualitative approach with data collected through Google Forms and strengthened with interview data. Respondents were 50 individuals aged between 19 and 25 years, all of whom had graduated from high school (SMA). The data were analyzed descriptively to understand the depth of knowledge and perception of inflation among these individuals.The results indicate that while most respondents are familiar with the term "inflation," their understanding of the causes, impacts, and ways to mitigate it is still superficial. Factors such as educational background, access to digital economic content, and daily economic experiences influence their level of understanding. This study contributes to the development of targeted economic literacy programs for Gen-Z.    

The objective of this study is to examine whether the macroeconomic variables Exchange Rate, Money Supply (M2), and the international stock indices Dow Jones Islamic Market (DJIM) and Dow Jones Industrial Average (DJIA) have an influence on the movement of Sharia stocks in Indonesia and Malaysia (Jakarta Islamic Index and FTSE Bursa Malaysia Hijrah Shariah Index). The analytical method used in this research is multiple regression analysis. The data utilized are monthly data spanning the period from January 2015 to December 2024. The results of the study indicate that the Jakarta Islamic Index (JII) is significantly influenced by the Exchange Rate and the Dow Jones Industrial Average (DJIA). Specifically, both the Exchange Rate and DJIA show effects that are consistent with the hypothesis expectations. The Exchange Rate has a negative and significant effect on the Jakarta Islamic Index (JII), while the DJIA has a positive and significant effect. Meanwhile, the Money Supply (M2) and the Dow Jones Islamic Market (DJIM) are not found to have a significant effect on the Jakarta Islamic Index (JII). The FTSE Bursa Malaysia Hijrah Shariah Index (FHSI), on the other hand, is significantly influenced by the Dow Jones Islamic Market (DJIM). Specifically, DJIM has a positive and significant effect on FHSI. Conversely, the Exchange Rate, Money Supply (M2), and Dow Jones Industrial Average (DJIA) are not found to have a significant effect on the FTSE Bursa Malaysia Hijrah Shariah Index (FHSI).

Electronic Medical Records (EMR) are essential for improving the quality, efficiency, and continuity of healthcare services. Despite mandates requiring full implementation of EMRs in Indonesian healthcare facilities by the end of 2023, many hospitals continue to face challenges in achieving effective adoption. This study aims to analyze the implementation of EMRs in the outpatient services of Nur Hidayah Hospital, Yogyakarta, using the 5M framework: Man, Money, Machine, Materials, and Method. Employing a qualitative descriptive approach, data were collected through in-depth interviews, observations, and document analysis involving key informants from medical records staff, registration officers, and IT personnel. The findings revealed that while the availability of staff and supporting infrastructure such as computers and software was generally adequate, limitations persisted in human resource specialization, training access, and system integration. Financial planning for EMR-related needs was done through annual budgeting (RAB), but coordination between departments remained minimal. Key challenges included slow internet connectivity, limited IT staff, and lack of specific Standard Operating Procedures (SOPs) for EMR usage. Overall, the EMR system has been implemented in most outpatient units, yet not all units have fully transitioned due to technical and organizational barriers. This study concludes that optimizing EMR implementation requires not only technological readiness but also organizational alignment, continuous staff development, and robust inter-departmental coordination.

This study aims to analyze the influence of social media, FOMO (Fear of Missing Out) behavior, and the use of e-money on the consumptive behavior of students in the Economics Education Study Program at Universitas PGRI Wiranegara. The digital era has introduced new challenges in student financial management, particularly regarding the ease of accessing information and conducting digital transactions. The research employs a quantitative approach with an explanatory research design. The population consists of all active students in the study program, with a sample of 69 respondents selected through simple random sampling. Data were collected using a Likert-scale questionnaire and analyzed using multiple linear regression. The results indicate that social media, FOMO behavior, and e-money usage have a significant influence on students' consumptive behavior, both partially and simultaneously. This research contributes to a better understanding of the factors influencing consumer behavior in the digital age and can serve as a basis for developing more effective financial literacy programs for students.

As a country based on legal norms and principles, Indonesia strictly prohibits gambling through statutory regulations. Gambling is a criminal act that can cause harm to society both directly and indirectly. However, in fact, gambling is still widespread, one of which is in the Magelang Regency area, Central Java. The aim of this research is to find out what factors are behind criminal acts of gambling based on the decision of the Mungkid District Court in the January 2025 period and efforts to enforce the law against criminal acts of gambling with the research method used is a normative legal research method with a qualitative analysis approach. The results of this research show that psychological, difficult economic conditions, where people are looking for quick ways to get money, as well as the influence of the social environment that makes gambling free are the main factors for perpetrators to gamble. Therefore, all law enforcement efforts are needed, including socializing the dangers of gambling, operations to control gambling perpetrators by law enforcement officials, as well as enforcing legal sanctions for criminal acts of gambling.  

Corporations as legal entities have become an integral part of the national economic system. However, behind its contribution to economic growth, not a few corporations are involved in economic crimes such as corruption, tax evasion, money laundering, to monopoly and cartel practices. These corporate crimes have a broad and systemic impact, not only harming the state from a financial perspective, but also damaging a healthy economic order and creating social injustice. In the context of Indonesian criminal law, the implementation of accountability for corporations as perpetrators of criminal acts still faces various challenges, both in terms of regulations, technical law enforcement, and understanding of law enforcement officials. This research aims to evaluate the extent to which the implementation of criminal liability against corporations in cases of national economic crimes as well as identify relevant obstacles and solutions. The method used is a normative juridical approach by examining various laws and regulations, jurisprudence case studies, and related scientific literature. The results show that although the recognition of corporations as subjects of criminal law has been contained in several sectoral laws, its implementation is still partial and has not touched the root of the problem, especially in proving structural corporate guilt. Therefore, there is a need for regulatory reform, strengthening the capacity of law enforcement institutions, and integrating a multidisciplinary approach in dealing with corporate crime. By strengthening criminal accountability towards corporations, it is hoped that the Indonesian criminal law system will be able to provide a deterrent effect while maintaining national economic integrity.

The purpose of this study is to determine how the regulation and implementation of legal protection for lenders in cases of default based on the Financial Services Authority Regulation (POJK) No. 77/POJK.01/2016 concerning Information Technology-Based Money Lending Services. This study also examines the form of legal responsibility of the platform organizer, as well as dispute resolution efforts that can be taken by lenders. The research method used is the normative legal method with a statutory regulatory approach and case studies. Data were obtained through literature studies and documentation of applicable legal provisions, as well as relevant documents and reports from PT. Crowde. The analysis was carried out qualitatively-descriptively to assess the suitability between field practices and applicable regulations. The results of the study indicate that POJK No. 77/POJK.01/2016 has not fully provided comprehensive legal protection for lenders in cases of default. Legal responsibility for default is still largely borne by the civil relationship between the borrower and the lender, without any concrete risk recovery mechanism from the organizer. Therefore, it is necessary to strengthen regulations, increase platform transparency, and play an active role for the OJK and the Indonesian Joint Funding Fintech Association (AFPI) in supervising and following up on default cases.

The accelerated progress in technology alongside the global integration of digital trends have significantly shaped the financial behavior of Generation Z. This demographic often displays short-term financial tendencies, such as impulsive spending, the adoption of the “You Only Live Once” (YOLO) mindset, and doom spending, which often undermines long-term financial planning. This study seeks to examine the extent to which love of money, financial literacy, and financial attitude influence personal financial management among members of GenBI South Sumatra. Information was obtained via surveys distributed to 63 participants, proportionally selected from a total population of 175 students from UIN Raden Fatah, Sriwijaya University, and Sriwijaya State Polytechnic. The study employed a quantitative research design using Structural Equation Modeling (SEM) method  with the SmartPLS 3.2.9 software. The data reveal that love of money, financial literacy, and financial attitude each have a positive and statistically significant impact on the personal financial management of Generation Z.

The purpose of this research is to determine the factors of taxpayer compliance at the Sekayu Tax Office. This research was conducted on individual taxpayers at the Sekayu Tax Office. The research method used is a quantitative method using five research variables, namely Love of Money, tax knowledge, tax sanctions as the independent variable, and taxpayer compliance as the dependent variable with taxpayer awareness as the intervention/mediation variable. The variable measurement scale used in this research is the Likert Scale. The type of data used is primary data collected through a questionnaire survey of 100 individual taxpayers at the Sekayu Tax Office. Data analysis was carried out using Structural Equation Modeling (SEM) based on Partial Least Square (PLS) using SmartPLS 4.0 software. The results of the research show that: 1) Tax knowledge and tax sanctions have a significant influence on taxpayer awareness 2) Tax knowledge and tax sanctions have a positive and significant influence on taxpayer compliance 3) Love of money has a negative and insignificant influence on taxpayer awareness and compliance tax 4) Tax awareness does not have a significant effect on taxpayer compliance and 5) Tax knowledge and tax sanctions do not have a significant effect on taxpayer compliance through taxpayer awareness.

This research is motivated by several factors that cause voter behavior in the regional head election in Banjar City. The purpose of this study is to determine voter behavior in the Regional Head Election in Banjar City. The method used in this study is descriptive analysis. There are 7 informants. Data collection techniques are literature studies, field studies (observations and interviews) and documentation. The author uses qualitative data analysis techniques through data processing from interviews and observations to draw conclusions so that they can answer the problems in the study. Based on the results of the study, it is known that: voter behavior in Banjar City is still dominated by the tendency of traditional voters and skeptical voters. This is evidenced by the problem of many voters who determine their choices based on following suit if most of their environment chooses a candidate pair, in addition, voters in determining their political choices are based on information obtained from their parents or from their environment, there are voters who are reluctant and lazy to pay attention to political contestation. There are obstacles to voter behavior in the regional head election in Banjar City, including unequal access to information so that people only get political information from unverified social media. In addition, the practice of money politics is still a reality that is difficult to avoid, where direct assistance or certain promises are the main considerations in choosing candidate pairs as well as past experiences. To overcome various obstacles, a number of efforts have been made, including the Banjar City General Election Commission (KPU) implementing a voter education program through direct outreach to the community, especially in villages and densely populated areas.

The purpose of this research is to examine how production costs factor into producer choices, particularly those pertaining to output volume, selling price estimation, and company growth strategies.  The research examined micro and small business players in Kediri Regency, East Java, employing a descriptive quantitative technique.  The findings demonstrate that the production cost structure, particularly the preponderance of variable costs, considerably affects the quantity of output and the margin for price adjustment.  It has additionally been demonstrated that saving money encourages manufacturers to take risks and grow their companies.  Moreover, management accounting-based cost tracking, waste reduction, and sourcing local raw materials are all cost management tactics that impact a company's strength and ability to compete.  Producers' long-term strategic decision-making is therefore influenced by effective production cost management, which in turn affects operational sustainability.

Corruption in Indonesia has evolved into a complex phenomenon, often involving money laundering and financial statement manipulation as mechanisms to conceal illicit assets within seemingly legal financial systems. This study focuses on the bribery case involving the Regent of Kepulauan Meranti as the research object, aiming to trace the flow of funds, financial manipulation techniques, and the involvement of both individual and corporate actors. The objective of this research is to analyze the interconnection between corruption, money laundering, and financial statement fraud, and to examine the legal implications of the criminal charges applied within Indonesia’s penal system. This study adopts a qualitative approach using a case study method, with primary data drawn from official documents issued by the Corruption Eradication Commission (KPK) and secondary data from credible media sources. The findings reveal that the corruption scheme was systematically carried out by disguising illegal funds through property investments and business entities. The study also highlights the insufficient application of cumulative charges and emphasizes the need for regulatory enhancement, particularly concerning illicit enrichment provisions. This research underscores the urgency of reforming supervision systems, penal structures, and strengthening the role of forensic accounting in detecting and preventing organized financial crimes in the public sector.

This activity is a workshop that aims to provide insight and skills to the guardians of Kasih Bunda Kindergarten students regarding parenting strategies related to financial management and the importance of children's mental health. This activity discusses how to teach the value of money and financial management to children with educational and fun methods. The workshop was also accompanied by an interactive question and answer session, distribution of Supplementary Food (PMT) for children, and a group photo session as a symbol of togetherness. This activity has a positive impact in the form of increasing parents' knowledge about children's financial management, strengthening the relationship between guardians and schools, and supporting children's physical and mental growth and development.This study aims to determine the effect of price and product quality on purchase intention of Toyota Agya cars in Tuban City.

The problem of poverty is still a homework that has not been resolved by the government. Various efforts have been made, one of which is through the Family Hope Program (PKH), which is a conditional cash assistance for beneficiaries. It is said to be conditional because recipients must access education and health services using the grant funds received. However, based on information obtained from the companion, it is known that the recipients did not fully use the aid money according to its designation. This happens for various reasons, one of which is minimal income so they have to look for other sources to meet their daily needs. Therefore, this dedication is intended to provide an understanding of how to manage family finances so that whatever income is earned can be sufficient to meet life's needs, not a lifestyle. This dedication method is carried out with lectures, discussions and brainstorming with participants. The result of this service is that participants gain additional knowledge about budget planning, budget control, and distinguishing between needs and wants.  

Investment activities in the modernization era are an economic activity that is of great interest to society, especially young people, whose development is very vulnerable to general macroeconomic conditions. And to secure the money and to maintain economic stability, especially now that inflation is very large which has an impact on economic stability. This research aims to discuss saving from a hadith perspective. The formal object of this research is the understanding and urgency of investment which is formulated based on hadith themes. The material object of this research is an investment case within the theoretical framework of investment from a hadith perspective. The results of this research show that hadith themes can be formulated within the theoretical framework of investment from a hadith perspective. The discussion of this research explains that investment is relevant to economic aspects, financial aspects and the influence of a person which includes and explores information, exploration of something he feels he needs. This research data was obtained from various sources, namely the Indonesian Stock Exchange website, Bank Indonesia, Central Statistics Agency (BPS) and Digital Hadith. The conclusion of this research is that the theoretical behavior of investment can have positive and negative impacts as well as the implementation of investment in life which is formulated in the hadith thematic framework in line with the era of modernization.