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Waste management remains a serious problem, particularly in rural areas, which generally have relatively low levels of environmental awareness. Inorganic waste such as plastic, glass, and aluminum is a major concern because it takes hundreds of years to decompose naturally. This situation poses potential long-term environmental hazards, including soil and water pollution, and ecosystem disruption. Therefore, effective educational efforts are needed to raise public awareness of waste issues. This community service activity was carried out in Sarah Perlak Village, Sungai Mas District, West Aceh Regency. The focus of the activity was the installation of educational signs containing information about the decomposition time of various types of waste. Implementation methods included direct observation to identify specific problems at the site, informal outreach to local residents, demonstrations related to waste sorting, and the creation and installation of educational signs. The signs were made from wooden planks and decorated with real waste such as plastic bottles, aluminum cans, and used paper, thus providing a tangible visualization to the community. The results of the activity showed that the visual approach through educational signs was able to attract the attention of residents, both children and adults. The information was presented clearly and accompanied by real-life examples, making the message easier to understand and remember. In addition, direct interaction through outreach and demonstrations provided an opportunity for residents to ask questions and share experiences related to waste management. Overall, this educational medium has proven effective in conveying environmental messages, raising awareness, and motivating the community to start sorting and reducing waste at the source. Going forward, this program is planned to be expanded through training in processing waste into useful products, thereby not only reducing pollution but also providing economic benefits to the community.

The ability to manage family finances is a crucial aspect in realizing household economic resilience. In practice, many housewives do not have adequate knowledge and skills in budgeting, saving, and prioritizing needs wisely. This community service activity was carried out with the aim of improving family financial literacy among housewives, especially members of the Wisma Anggrek Group, Lapandan Village. The method of implementing the activity consists of three main approaches, namely counseling on basic family financial management materials, interactive discussions to explore participants' experiences and challenges, and simulations of realistic and applicable household budget preparation. The training material covers the basic principles of financial management, saving strategies, controlling expenses, and how to prioritize needs based on the scale of urgency and financial capabilities. The results of the activity showed a significant increase in participants' understanding of the concept of family financial management. Participants are able to draw up a simple budget, recognize unnecessary expenses, and start implementing consistent saving habits. In addition, group discussions encourage the creation of spaces for sharing experiences and practical solutions among participants, which strengthens the collective spirit in building healthy financial habits. This activity has a positive impact on shaping a more planned financial mindset and behavior among housewives. It is hoped that this training will be the first step in building sustainable household economic resilience, as well as encouraging family financial independence through wise and responsible financial management.

This study aims to describe in depth the role of guidance and counseling (BK) in improving the effectiveness of consultation and collaboration services at SMA Negeri 3 Tasikmalaya City. Consultation and collaboration services are an integral component of the BK program that focuses on professional interactions between BK teachers and various related parties, such as subject teachers, homeroom teachers, parents, and other stakeholders who are concerned about student development. Through these services, BK teachers help students overcome personal, social, and academic problems holistically. This study used a qualitative approach with descriptive methods. Data were collected through in-depth interviews, participant observation, and documentation analysis to obtain a comprehensive picture of the consultation and collaboration practices implemented. The data analysis process was carried out thematically to identify interaction patterns, forms of collaboration, and supporting and inhibiting factors in the implementation of services. The results show that BK teachers at SMA Negeri 3 Tasikmalaya City play an active role as a communication liaison between students, teachers, and parents, as well as mediators in solving problems faced by students. Effective collaboration between BK teachers and all related parties contributes to the creation of a conducive, inclusive, and responsive learning environment to students' needs. Consultation services implemented in a planned, continuous, and data-driven manner can provide a better understanding of student problems and offer appropriate and applicable alternative solutions. These findings confirm that guidance and counseling play a strategic role in supporting educational success in schools. The implementation of effective consultation and collaboration services not only positively impacts student problem-solving but also strengthens synergy between educational elements in building a supportive school climate oriented toward student well-being.

The Depok City Social Service is a local government agency with important responsibilities in providing various social services for the community, including services for vulnerable groups, social empowerment, and handling welfare issues. Employee performance in this agency is a key factor in the successful implementation of planned programs. This study aims to analyze the effect of workload and internal communication on the work productivity of Depok City Social Service employees. The study used a quantitative approach with 34 respondents, where the entire population was sampled through a saturated sampling technique. Data were collected using a Likert-scale questionnaire instrument, designed to measure employee perceptions regarding the level of workload, the effectiveness of internal communication, and the level of work productivity. The results of the analysis show that the workload variable (X1) has a positive and significant effect on work productivity (Y), as evidenced by the calculated t value of 4.235, which is greater than the t table of 1.695, and a significance level of 0.000 <0.05. These findings indicate that proper workload management can encourage increased employee productivity. The internal communication variable (X2) was also proven to have a positive and significant influence on work productivity, with a calculated t of 2.332 > ttable 1.695 and a significance value of 0.026 < 0.05, which confirms the importance of effective information flow and coordination in the work environment. Simultaneously, workload and internal communication have a significant influence on employee work productivity, with an Fcount value of 41.065 greater than the Ftable of 3.29 at a significance level of 0.000 < 0.05. The coefficient of determination (R²) value of 0.726 indicates that the two variables together are able to explain 72.6% of the variation in employee work productivity, while the remaining 27.4% is influenced by other factors not examined in this study.

This research is motivated by the suboptimal strategy of the Pangandaran Regency Tourism and Culture Office in supporting sustainable tourism development. Several problems identified include the lack of optimal management of facilities and infrastructure, such as waste management, and inadequate transportation facilities. Furthermore, tourism promotion has not been carried out in a sustainable and measurable manner, compounded by the absence of a Regional Promotion Agency. Human resources (HR) in the tourism sector also still lack a comprehensive understanding of the concept of sustainable tourism, which is a major challenge in implementing this policy effectively. The purpose of this study was to determine the strategies implemented by the Pangandaran Regency Tourism and Culture Office in developing sustainable tourism. The method used was descriptive qualitative with data collection techniques through observation, interviews, and documentation. Informants in this study consisted of government elements, communities, and tourism business actors. The results showed that the strategies implemented by the Pangandaran Regency Tourism and Culture Office encompass four dimensions of strategic management: environmental monitoring, strategy formulation, strategy implementation, and evaluation and control. However, the strategies that have been implemented have not been optimal. Several efforts have been made, including increased training based on local potential, technology education, the formation of promotional groups, and regular activity evaluations. However, major challenges remain: strengthening coordination between various stakeholders and improving natural resource management and more environmentally friendly supporting facilities. This study illustrates the need for strategic and policy adjustments to optimize sustainable tourism development in Pangandaran Regency, with a focus on increasing understanding and involvement of the community and businesses, as well as optimizing infrastructure and promoting more planned and measurable initiatives.

This study explores the strategic use of garbarata as an advertising medium at Minangkabau International Airport, Padang. The garbarata, which is a connecting bridge between the terminal and the aircraft, has great potential as an exclusive advertising space and has high exposure to passengers. However, this potential has not been optimally maximized. This study uses a qualitative approach with a case study method. Data collection was conducted through in-depth interviews with airport management, direct observation of the garbarata conditions, and analysis of documentation related to advertising policies and non-aeronautical asset management. The results of the study indicate that there are several main obstacles in the use of garbarata as a promotional medium. These obstacles include minimal promotional activities to potential advertisers, unclear pricing systems for advertising space rentals, lack of collaboration with advertising agencies, and limitations in the provision of design services and visual creativity. This has led to low interest of companies in utilizing this media as part of their marketing strategy. To overcome these problems, this study proposes several development strategies, including: increasing active and planned promotional activities, setting flexible and competitive rental prices, strategic collaboration with professional advertising agencies, and providing creative design services to support the effectiveness of advertising messages. This strategy is expected to attract more companies to advertise on the aerobridge, thereby increasing the airport's non-aeronautical revenue. With proper optimization, the aerobridge will not only serve as a functional passenger facility but can also transform into a strategic asset supporting the airport's sustainable commercial development and creating added value for both the operator and its business partners.

This study aims to analyze the influence of Online Advertising on purchasing decisions for Skintific products by considering the mediating role of Trust and Social Media Engagement. Skintific, as a digital-native skincare brand, actively utilizes digital marketing strategies through various social media platforms such as Instagram, Tiktok, or e-commerce like Shopee to increase consumer appeal, especially in Malang City. This study uses a quantitative approach with the Partial Least Squares Structual Equation Modeling (PLS-SEM) method to test the relationship between variables. The sample was obtained through a purposive sampling technique with 114 respondents who are active consumers of Skintific. The results of this study indicate that Online Advertising has a significant effect on purchasing decisions, both directly and through the mediation of Trust and Social Media Engagement. Theoretically, this study extends the application of the Theory of Reasoned Action (TRA) in explaining the formation of attitudes and subjective norms of consumers towards digital advertising, as well as the Technology Acceptance Model (TAM) which shows how perceived ease and usefulness of digital advertising content affect user engagement. Customer Trust Theory in E-Commerce is used to explain how trust is formed in online transactions, while Relationship Marketing Theory emphasizes the importance of long-term interactions between brands and consumers. The Theory of Planned Behavior (TPB) expands this framework by adding the construct of behavioral control, which explains how consumers' perceptions of ease and barriers contribute to purchasing decisions. Social Influence Theory is used to understand the influence of social norms and online community opinions on purchase intentions, and Uses and Gratifications Theory (UGT) to examine consumer motivations in accessing and interacting with digital content based on information needs, affection, and self-identity. This research provides theoretical contributions in strengthening the relevance of integrating several consumer behavior theories in a digital context.

Social campaign posters are one of the visual communication media that has an important role in conveying public messages, shaping perceptions, and encouraging changes in social behavior in society. With visual power, posters can express messages directly, effectively, and emotionally to the audience. This study aims to examine how key visual elements—color, typography, imagery, and layout—affect the emotional response and audience engagement to social campaign messages. A qualitative approach was used by collecting data through visual observation of a number of selected social campaign posters, design analysis, and literature review from relevant literature. The results of the analysis show that each visual element has a significant contribution to the power of the message. Colors, for example, are able to evoke emotional resonance by influencing the mood of the audience, such as the color red that conveys urgency or the color green that represents expectations and the environment. Imagery or illustrations provide the power of imagination and help the audience connect the message with social reality. Proper typography improves readability, emphasizes the main message, and establishes the desired tone of communication. Meanwhile, a well-planned layout creates a visual flow that makes it easier for the audience to understand the message in order. The harmonious interplay between colors, typography, imagery, and layout has been proven to strengthen visual appeal, evoke empathy, and motivate audiences to participate in social campaigns. 

The use of office stationery (ATK) plays an important role in supporting the smooth operation and administrative activities of government agencies, particularly the Financial and Development Supervisory Agency (BPKP). As an institution whose primary function is to supervise and evaluate state financial management, BPKP requires adequate logistical support to ensure optimal implementation of its duties. One form of such support is the availability of sufficient, timely, and appropriate ATK. Common problems often encountered in ATK management are overstock, which is excess inventory that leads to wasted budget and storage space, and stockout, which is a shortage of inventory that can hinder work activities. This study aims to control ATK inventory by applying the Min-Max Stock method. This method helps in determining the minimum and maximum inventory limits for each type of ATK, so that procurement of goods can be carried out in a planned and efficient manner. With this approach, agencies can maintain a balance between availability of goods and efficient use of the budget. The results of the study indicate that the application of the Min-Max Stock method in the BPKP environment produces more rational inventory figures. For the type of HVS paper F4 size ATK, the minimum and maximum values are set at 12 reams. Meanwhile, for A4-sized HVS paper, the minimum and maximum values are 72 reams and 98 reams, respectively. For printer ink, the ideal minimum and maximum quantities are 74 and 92 bottles. Meanwhile, BPKP logo folders have a minimum value of 240 sheets and a maximum of 325 sheets. The implementation of this method has a positive impact on the efficiency of the procurement and control process of stationery at BPKP.

Inactive archives are archives that are used infrequently but still have administrative, legal, or historical value, so they must be maintained properly. Management of inactive archives is important so that the stored information is maintained, easily found when needed, and does not cause accumulation that disrupts the efficiency of storage space. This study aims to describe in detail the management of inactive financial archives at the Population and Civil Registration Office (Dispendukcapil) of Malang City and identify the obstacles encountered in the process. The study used a qualitative descriptive method with data collection techniques through direct observation of the archive room, interviews with archive management officers, and document reviews related to management procedures. The results showed that the number of inactive financial archives managed reached 13.4 linear meters. The management process includes the stages of transferring archives from work units to archival units, identifying the type and period of archives, position adjustment maneuvers, data input into a simple system, numbering, storage in archive boxes, labeling, and arranging boxes on storage shelves. Although the management procedures are running, the study found a major obstacle in the form of the absence of an Archive Retention Schedule (JRA) specifically for financial archives. This prevents the archives reduction process from being carried out legally and in a planned manner, resulting in a buildup of archives, which reduces storage capacity and potentially makes information retrieval difficult. This study recommends the development of a Financial Archives Retention Schedule (JRA) specifically for financial archives that complies with statutory provisions and agency needs, so that the reduction process can be carried out systematically, efficiently, and accountably. The implementation of the JRA is also expected to improve the effectiveness of archives management and support public service performance at the Malang City Population and Civil Registration Office (Dispendukcapil).

The Paiton Steam Power Plant (PLTU) is one of the main sources of electrical energy in East Java, which plays a vital role in maintaining a sustainable electricity supply. The reliability of generator units is a key element in maintaining stable energy distribution. However, the high frequency of sudden generator failures poses serious challenges, such as increased downtime and increased maintenance costs. To address these challenges, this study aims to design a generator maintenance prediction model based on the Naive Bayes algorithm with a predictive maintenance approach. This study uses historical maintenance data and key sensor parameters such as temperature, oil pressure, and vibration as input. The data is analyzed through several stages, namely data preprocessing, selection of relevant features, and labeling generator conditions into three categories: Normal, Warning, and Critical. The Naive Bayes model is trained to classify the data probabilistically to generate predictions of future generator conditions. Model evaluation using accuracy metrics and a confusion matrix shows that the model successfully achieved an accuracy rate of 89% and was able to provide early warnings of potential failures up to 3 days before failure occurs. The implementation of this system is expected to support the shift in maintenance strategies from reactive and scheduled systems to data-driven predictive systems. Implementing failure predictions allows the technical team at the Paiton PLTU to conduct planned maintenance, avoid sudden disruptions, and extend equipment lifespan. Thus, this model has the potential to reduce operational downtime by up to 25%, while providing significant savings in operational and logistics costs. This research also shows that integrating machine learning technology into energy facility management can improve the efficiency and resilience of the overall electric power system.

This study aims to analyze the effectiveness of preventive maintenance on the Simplex machine at PT. XYZ by applying the Overall Equipment Effectiveness (OEE) method and identifying the primary causes of production losses through the Six Big Losses framework. Preventive maintenance is an important strategy to ensure machine reliability, reduce downtime, and improve production efficiency. OEE is a widely recognized performance measurement tool consisting of three key indicators: Availability, Performance, and Quality. These indicators collectively reflect the overall effectiveness of equipment in supporting the production process. The results of this study indicate that the OEE value of the Simplex machine is 79%, which remains below the world-class benchmark of 85% as recommended by the Japan Institute of Plant Maintenance (JIPM). This finding suggests that the machine’s performance has not yet reached the optimal standard and requires improvement efforts. Further analysis using the Six Big Losses approach reveals that the most significant contributors to reduced machine effectiveness are equipment failure and idling or minor stoppages. These two categories account for the majority of productivity losses, thereby affecting both machine utilization and production output. To further explore the underlying issues, a root cause analysis was conducted using a fishbone diagram, which enabled the identification of several critical factors related to human resources, methods, machines, materials, environment, and measurement systems. Based on this analysis, improvement proposals were developed through the 5W+1H method, providing a systematic strategy to enhance preventive maintenance practices. The recommended actions include scheduling more frequent inspections, improving operator training, upgrading spare parts management, and implementing stricter monitoring of machine performance. In conclusion, this study highlights the importance of continuous preventive maintenance to optimize machine productivity and reduce unplanned downtime. By adopting the proposed improvement strategies, PT. XYZ can increase the effectiveness of its Simplex machine, moving

This study aims to evaluate the relationship between affiliate marketing and celebrity endorse on purchasing decisions at TikTok Shop among Generation Z in Boyolali. This research is motivated by the increasing use of TikTok as a popular online shopping medium among Gen Z, as well as the development of digital marketing strategies through affiliates and public figures. The population in this study includes Gen Z in Boyolali who have made purchases at TikTok Shop. A sample of 100 respondents was obtained through the Slovin formula calculation. This study uses a quantitative method, with an online questionnaire distributed through Google Forms. Data analysis was conducted using the SmartPLS 3.0 application to test the relationship between variables. The results of this study indicate a positive and significant relationship between affiliate marketing and celebrity endorse on purchasing decisions. This finding provides a theoretical contribution to strengthening the Theory of Planned Behavior in the context of digital marketing, as well as suggesting strategies for business actors in developing more effective promotions at TikTok Shop.

The research departs from educational problems in Islamic boarding schools with distinctive educational characteristics and the diversity of cultural backgrounds of students. So researchers are interested in conducting a more in-depth analysis of a harmonious environment despite having students with diverse cultural backgrounds. The purpose of the study is to identify; 1) the characteristics of multicultural Islamic education planning, 2) the characteristics of organizing multicultural Islamic education, 3) Identification of the characteristics of implementing multicultural Islamic education, 4) Identification of the characteristics of supervision of multicultural Islamic education, 5) Analysis of the impact of the characteristics of multicultural Islamic education management in producing moderate students. The research framework departs from theory of multicultural education management in Islamic boarding schools which includes; planning, organizing, implementing, and supervising educational programs in Islamic boarding schools. Managing the elements of education in Islamic boarding schools in; objectives, values, curriculum, teaching methods and facilities and funds, carried out by the Kiyai Ustadz Santri Manager will have an impact on the attitude of religious moderation in students with indications of national commitment, tolerance, anti-violence, accommodating to local culture. This study used a qualitative approach, using ethnography. Data collection techniques are carried out through interviews, observations, and documentation analysis. Data analysis technique uses the Miles and Huberman analysis technique. The validity test is carried out with data validity by conducting tests; on credibility, transferability, dependability, and confirmability. Results of the study found that the characteristics of multicultural education management in Islamic boarding schools: First, Planning in the form of a curriculum containing multicultural values, involving various elements of the Islamic boarding school through deliberation and open meetings of curriculum preparation studies, integrating the madrasah curriculum with Islamic boarding school. Second, organizing; there is empowerment in fostering Islamic boarding schools, Conventional traditional systems, and Guidance patterns depending on the figure of kiai, the existence of organizational work procedures. Third, Implementation of education is carried out; structured through learning classification, planned, organized, and evaluated with the basic pattern of Islamic boarding school education, internalized in attitudes, methods, and exemplary behavior of the kiai. Fourth, Supervision of learning through assessment of learning of multicultural values, Tests are contextual and comprehensive. Fifth, impact of the characteristics of multicultural Islamic education management in producing students who are able to act in the middle by prioritizing Islamic brotherhood and basyariyah, are tolerant for the sake of realizing Islam rahmatan lil aalamiin.

Education is a conscious and planned effort to create a learning atmosphere and process to enable students to actively develop their potential to possess strength, spirituality/religion, self-control, personality, intelligence, noble character, and the skills they possess for themselves, the community, the nation, and the state. Critical thinking is a cognitive process undertaken by students to systematically and thoroughly analyze a problem, carefully distinguish the problem, and identify and evaluate information in order to formulate problem-solving strategies. This study aims to analyze students' critical thinking abilities. The subjects of the research are fifth-grade students of SDN 1 Bandung, totaling 19 students. Data collection techniques include tests, interviews, and documentation. The data is analyzed using individual qualitative descriptive methods and per indicator. The research results show that students' critical thinking abilities are categorized into high, medium, and low levels. There are 47.38% of students in the high critical thinking category, 26.31% in the medium critical thinking category, and 26.31% in the low critical thinking category.

In the ever-evolving digital era, digital payment technology has increasingly become the preferred method for conducting financial transactions. This study aims to empirically examine the influence of perceived quality of accounting information systems, ease of use, and trust on the decision to use e-wallets in financial transactions. The sampling method employed in this study was non-probability sampling, specifically purposive sampling, with criteria set for selecting respondents, namely active accounting students from the 2021 cohort who are currently using or have previously used e-wallets for financial transactions. This research is grounded in the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB). Data were collected through a Google Form, yielding 252 valid responses. The data were then analyzed using SPSS Statistics 26. The results show that perceived quality of accounting information systems, ease of use, and trust have a positive influence on the decision to use e-wallets. This indicates that the higher the perceived quality of accounting information systems, ease of use, and trust felt by students in using e-wallets, the more likely they are to decide to use e-wallets in their financial transactions.

Agroforestry is also a form of sustainable agriculture model. Agroforestry systems are formed of three main components, namely forestry, agriculture, and livestock. The agrosilvopastura system is the combination of woody components (forestry) with agriculture (annuals) as well as livestock on the same land management unit. The priority order of the most important alternative options for sustainable agriculture includes strengthening farmer institutions, developing a cadre of farmers/farmer groups aware of sustainable agriculture, and increasing demonstration activities for sustainable agricultural technology. Financial analysis shows that all agroforestry systems are economically viable, and agrosilvopastura provides the most inputs compared to agrosilnikultur and silvopastura. Erosion that occurs on agroforestry land agroforestry, especially agrosilvoculture in the buffer zone of Southeast Aceh District is not harmful because it is smaller than the allowable erosion (<30.6 tons/ha/yr). The total biomass and carbon of stands in agroforestry systems with agrosilvopastura type of 103.17 and 46.74 tons per hectare, respectively, are similar to the total biomass and carbon of stands in mangrove forests. carbon in Rhizophora apiculata mangrove forest with a density of 463 trees per hectare, which were 169.46 (biomass) and 47.08 (carbon) tons per hectare, respectively. Agrosilvopastura systems can play a role in mitigating floods compared to monoculture farming systems for each hectare of land for every 1 hour of work.

One type of student service needed by IAKN Tarutung is the Community Service and Practice (KPPM), which takes place in the sixth semester and lasts for three months. Through various community experiences and social activities that involve cooperation between students, the community, and the government, this program aims to meet basic needs and improve the welfare and tranquility of the community in Pohan Tonga Village, Siborongborong District. The two main phases of the research methodology are observation at the village head's office and the implementation of health program activities for the elderly every Wednesday. This activity lasts for 120 minutes and is scheduled once a month in the third week. Activities may include worship, counseling, community service, and physical activities. The community is becoming closer and supporting one another through events facilitated by KPPM such as village clean-ups, community service, and other social gatherings. This creates a peaceful village atmosphere and enhances relationships among residents. Village development projects are planned, implemented, and evaluated with community participation encouraged by KPPM. The community actively participates rather than just watching, fostering a sense of pride in the developmental outcomes. The conclusion of this activity is that KPPM investigates and utilizes the existing potential of Pohan Tonga village, including its human and natural resources. This potential can be a key asset for village development with proper management.

The skincare and cosmetics industry continues to grow as public awareness of self-care and beauty trends increases. However, the widespread use of single-use packaging in cosmetic products raises new issues in the context of environmental sustainability. This issue drives the importance of understanding how consumer perceptions of sustainability and other product attributes influence purchasing decisions. This study aims to analyze the effect of perceptions of packaging sustainability, environmental awareness, product price, and packaging design on purchasing decisions for Wardah cosmetic products. This study used a quantitative approach with a survey method of 111 respondents and analyzed using multiple linear regression. The results showed that packaging design and perceived packaging sustainability had a significant effect on purchasing decisions, with packaging design as the most dominant factor. In contrast, the variables of environmental concern and product price do not have a statistically significant effect. The model used explains 65.37% of the variation in consumer purchasing decisions. This study indicates that consumer decisions are more influenced by visual aspects and sustainability values that are explicitly communicated through packaging. This study supports the Theory of Planned Behavior (TPB) framework and provides a practical contribution for cosmetics manufacturers in designing sustainable packaging strategies.

Investment refers to the decision to allocate a certain amount of funds in the present with the expectation of obtaining returns in the future. Investment decisions are influenced by an individual’s knowledge, behavior, and emotions. Investors consider not only the prospects of investment instruments but also the psychological factors that shape their decisions. This study aims to empirically examine the effect of financial literacy, mental accounting, and risk aversion on students’ investment decisions. The research was conducted at the Faculty of Economics and Business, Udayana University, with a sample of 139 students selected using a census method. Data were collected using questionnaires and analyzed through multiple linear regression. The findings indicate that financial literacy and mental accounting have a positive influence on students’ investment decisions, while risk aversion has no significant effect. These results highlight the importance of financial knowledge and psychological awareness in making sound investment decisions. This study serves as a reference for students to better manage their finances and make more rational and well-planned investment choices.