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This article discusses the socialization of provisions on bad credit from the perspective of creditor risk on collateral that does not belong to the debtor in Mojokerto City. This research was conducted through strategic steps including identifying community needs, developing informative socialization materials, and implementing educational activities. The results of the survey and interviews showed low public understanding of creditor risk and the importance of valid collateral. The socialization program designed with simple language and educational materials such as brochures and short videos succeeded in increasing public awareness. Evaluation through focus group discussions (FGD) revealed the need to increase interaction and consistency in socialization. In addition, supporting studies showed the importance of supervision, coaching, and prevention efforts to overcome bad credit. With suggestions to increase the frequency of socialization programs, utilize social media, and involve banking practitioners and legal experts, it is hoped that it can increase public understanding and reduce the number of bad credit, as well as support financial stability in Mojokerto City.

This research is a quantitative descriptive study with an instrument in the form of a questionnaire. Data analysis was carried out in two ways, quantitative data was analyzed by non-parametric statistics and qualitative data was classified through coding. The population and sample of this study were all 12 teachers. The results showed that (1) all teachers at SDN Kepanjen 01 Kepanjen District, Malang Regency carried out WFH according to the Government Circular Letter, namely the learning planning stage: using it for making lesson plans and discussing with fellow teachers; stages of the learning process: using google forms and WA for student attendance, zoom for delivering material, WA for giving and collecting assignments, youtube and the web for learning media; and the learning evaluation stage: using google forms for PH or PTS and gadgets to correct student evaluation results. (2) The implementation of WFH at SDN Kepanjen 01 encountered various obstacles. (3) Obstacles during WFH are categorized into obstacles in gadgets, internet, material understanding, finance, communication, and level of focus. (4) The solution to the problems experienced is adjusted to the situation and condition of teachers and students' families at SDN Kepanjen 01 so that WFH and BDR can still run optimally. (5) WFH has a positive impact, namely creating a feeling of security because it avoids the spread of covid-19, has more free time, is free to determine work schedules, and automatically reduces transportation costs. While the negative impact is that teachers experience boredom, reduced interaction with colleagues, lowers the quality of performance results, and is addicted to social media. The researcher's suggestions for teachers are that teachers should (1) implement whatever policies have been set by the Principal with full responsibility and enthusiasm; (2) discuss all the obstacles that arise during WFH with the Principal and fellow teachers in order to obtain the most appropriate solution; (3) always teach students to apply health protocols at home; and (4) although WFH has a negative impact, teachers must be able to overcome it in various ways so as not to affect the quality of learning for students.

This type of research is qualitative research. This research aims to examine the role of the environment on children's socio-emotional development. The method used in this research is qualitative research with interviews as a data collection technique which was carried out on Saturday 26 October 2024. This research was conducted in the village of Bandar Putih Tua, Anak Ratu Aji, Central Lampung with the research subjects being 5 children aged 7-10 the year that is the data source. The research results show that the family environment has a significant impact on children's emotional management, while the peer environment influences children's social behavior, both positively and negatively. The school environment, on the other hand, plays a role in shaping children's emotional stability and social skills through interactions with teachers and peers. Based on this research, it can be concluded that the environment plays a very important role in children's socio-emotional development, and the role of parents and the regulation of the social environment around children greatly determines their social and emotional development. It is hoped that this research will provide deeper insight into the importance of creating a supportive environment for children's socio-emotional development.

Gen Z or generation Z is often called the big "internet generation" with technology, digital platforms, and unlimited access to internet information making gen Z familiar with internet advances. this research studies the behavior of gen Z as an internet generation in life in various aspects, gen Z has multitasking skills, gen Z challenges in the corporate world, gen Z interaction in the digital world, the influence of social media on self-identity, using a qualitative approach. Social media plays a very important role in shaping self-identity, high attachment to the internet has a risk of dependence and mental health disorders. The results of this study are expected to show the behavioral dynamics of gen Z which are different from previous generations so that it requires a separate communication approach to be able to understand gen Z as the internet generation.

The mass development of digital technology has changed the way companies communicate with consumers. One of the most effective communication channels is social media, which provides a platform for adress interaction between brands and consumers. Consumer trust is the main factor influencing purchasing decisions and brand loyalty. This articel used a qualitative approach to make a study various digital communication strategies that can build consumer trust in social media. Through social media, companies can implement various communication strategies, such as being transparent and honest in communication; active interaction with consumers; consistent in branding; consumer testimonials and reviews; compelling use of influencers; security and privacy of consumer data; and responsive to consumer problems and complaints.

The mosque has an important role as a center for education and training in modern society. In the digital age, mosques can offer a variety of relevant formal and non-formal education programs. The role of the mosque in educating young people including teaching good moral values. The mosque is also a forum for communication and interaction between community members, creating collaboration in learning. This article aims to increase the understanding of the role of the mosque, integrate education, encourage community involvement and foster social interaction. his article uses a literature review method (Literature Review) by collecting data and sources related to a particular topic which is obtained from various sources such as journals, research reports, and other library sources. The results showed that the mosque could function as an educational and training synergy space that played an important role in the development of human resources. The development of a fast era. In this digital era, the mosque can adapt by offering various relevant educational programs, both in the form of formal and non-formal education.  

The background of this study focuses on the understanding of the concept of mahram in the context of increasingly complex modern life. Social, cultural, and technological changes are influencing how individuals understand and apply the values of mahram in their daily interactions. The aim of this research is to identify the challenges faced by society in understanding mahram and to offer practical solutions to address these issues. The research method employed is a qualitative approach, utilizing in-depth interviews and content analysis of various literature sources, as well as surveys conducted among the community. The collected data is analyzed to identify patterns and key issues related to the understanding of mahram. The results of the discussion indicate that the main challenges in understanding mahram in the modern era include a lack of consistent understanding, the influence of social media, and shifts in social norms. Proposed solutions include enhancing religious education, public awareness campaigns, and utilizing digital platforms to disseminate accurate information about mahram. This research is expected to contribute to society's efforts in strengthening the understanding of mahram that is relevant to the current context.

The fast-paced growth of digital technology and online communication has transformed how people connect, share information, and build communities. Among the many social media platforms, TikTok stands out for its ability to create dynamic and interactive engagement through short-form videos and live streaming features. This study explores how the retail brand OH! SOME uses communication strategies on TikTok to foster meaningful interaction with its audience. Drawing on Chriss Fill’s (1995) three-stage communication framework—Pull, Push, and Profile Strategies—the research examines how these approaches are implemented across OH! SOME’s beauty, makeup, and skincare accounts. A qualitative descriptive method was employed, combining in-depth interviews, direct observation, and documentation with three key participant roles: the operator, live streaming assistants, and hosts. The findings reveal that OH! SOME’s communication success on TikTok relies on its ability to integrate creative content with real-time interaction. The Pull Strategy attracts audiences through engaging visuals and relatable messages; the Push Strategy emphasizes teamwork and consistent interaction during live sessions; and the Profile Strategy strengthens brand image and trust among followers. Overall, the study highlights how classical communication theories can be adapted to the dynamics of digital marketing. It provides both conceptual and practical insights for brands seeking to build audience relationships in the era of social commerce. The results also underline TikTok’s potential not merely as a sales tool but as a space for creating community, authenticity, and emotional connection with consumers.

In the era of rapid digital transformation, social media platforms have become dominant tools for communication, marketing, and consumer interaction. Among these, TikTok has emerged as one of the most influential spaces for creative digital promotion, particularly for small businesses and creative industries. This study explores @dyputustudio’s utilization of TikTok as a promotional medium for its self-photo studio services, focusing on how the platform is used to build interactions and relationships with consumers. The research employs a qualitative descriptive approach, emphasizing observation, interviews, and documentation analysis to understand Dyputu Studio’s promotional strategies and audience engagement patterns. Findings reveal that TikTok functions not only as a promotional channel but also as a space of social interaction and digital community formation between the studio and its consumers. The platform’s interactivity, algorithmic visibility, and audio- visual creativity enable Dyputu Studio to effectively showcase its self-photo studio services, stimulate audience participation, and cultivate brand loyalty. This study demonstrates that digital communication on TikTok aligns with Pierre Lévy’s New Media Theory, which highlights interactivity, hypertextuality, and networking as key dimensions of modern media engagement. Through consistent content creation, responsive communication, and trend adaptation, Dyputu Studio successfully transforms social media presence into a form of digital relationship marketing. The study contributes to the understanding of how small creative businesses can leverage social media to achieve marketing and communicative goals in the digital era.

This community service article discusses the contribution of students from the Impactful Campus Competition Program (PKKB) in improving the quality of education through coaching and training activities in sports in Semoyang Village, Praya Timur Subdistrict, Central Lombok Regency. This activity was carried out using a participatory action research method involving three main stages, namely planning, preparation, and implementation. In the planning stage, students and the community worked together to identify the needs and objectives of activities relevant to local potential. The preparation stage focused on developing training strategies, providing facilities, and coordinating with relevant parties. The implementation stage was carried out through sports coaching activities for children and adolescents using an educational and participatory approach. The results of the activity showed an increase in community awareness of the importance of sports from an early age, as well as a growing concern for environmental cleanliness and health. This program also played a role in strengthening social interaction, building a spirit of togetherness, and fostering community independence in managing sports activities. Overall, the PKKB activities in Semoyang Village have succeeded in creating positive synergy between universities and the community in supporting the development of healthy, competitive, and characterful human resources.

The rapid development of digital technology has reshaped communication practices in online learning, particularly in language education. Emojis, as a visual symbol widely used in digital interactions, have the potential to enrich emotional expression and participation, but their role in educational contexts remains insufficiently explored. This study aims to investigate how emojis influence students’ emotional expression, engagement, and digital literacy in online language classrooms. To achieve this, a qualitative observational design was employed, focusing on university students participating in online language courses. Data were collected from authentic digital interactions, including chat messages, discussion forums, and collaborative platforms, and were analyzed through content analysis to identify the communicative and pedagogical functions of emojis. The findings indicate that emojis help clarify emotional expression, support comprehension of messages, and encourage active student participation in online discussions. These results demonstrate that emojis not only serve as supplementary tools for digital communication but also contribute to creating a more engaging and supportive learning environment. Synthesizing the main ideas, this study extends the understanding of digital communication theory by highlighting the pedagogical value of emojis beyond their informal use on social media. In conclusion, emojis play a crucial role in strengthening interaction, fostering emotional presence, and enhancing learning outcomes in online language education. The study recommends integrating emojis into digital teaching practices while encouraging further research on cultural variation, learner levels, and diverse digital platforms to maximize their educational potential.

Performance is the employee's ability to complete work during the activity period according to the standards determined by the organization. Employee performance will be effective and efficient if interactions with co-workers and superiors are open, that is, giving freedom to express thoughts and ideas as a form of feeling supported by superiors who are always able to encourage and pay attention to seeing work challenges into opportunities. This research aims to determine the influence of emotional intelligence, communication patterns and transformational leadership on the performance of Bima Housing and Settlement service employees. The population in this study were 63 employees at the Bima Housing and Settlement Department, especially the Bima City Housing, Settlement and Land Department, with a sampling technique using purposive sampling, namely 38 civil servant employees as respondents.Data collection techniques using questionnaires. The data analysis technique uses multiple linear regression analysis with the help of SPSS version 27. The results of this study partially show that the emotional intelligence variable has a negative and insignificant effect on employee performance, the communication pattern variable has an insignificant effect on employee performance, and the transformational leadership variable has a positive and significant effect on performance. employee. Simultaneously, the variables emotional intelligence, communication patterns and transformational leadership have a positive and significant effect on employee performance Emotional Inteligence, Communication Patterns, Transformasi Leadership, Performance

Humans as social creatures can live by having relationships with other people. Every relationship requires interaction or communication to be able to maintain and maintain the relationship. Especially in matters of love, which requires clarity in every situation so that there is no conflict or misunderstanding. The key to overcoming all problems is to maintain good communication with your partner. Not limited by distance and time, communication must continue. Through interaction on digital media it can make it easier for today's teenagers to communicate, especially for couples.

This examines the challenges faced by the world of education in the digital era as well as strategies and solutions to overcome them. The digital era offers great opportunities to improve access and quality of education, but gaps in access to technology, lack of digital literacy, changes in student orientation, teacher reluctance, reduced social interactions, etc., also face many challenges.This article explores strategies to overcome these challenges, including improving technology infrastructure, digital literacy training, developing innovative curricula, implementing hybrid learning, and managing technology use.By working together, governments, schools, teachers, parents, and the private sector can optimizing education in the digital era and creating a more effective and inclusive learning environment.  

This study aims to analyze the marketing strategies implemented by The Wood's Coffee Tanjung Morawa and their impact on the company's financial performance. The main focus of this study is the marketing strategy through social media, which is increasingly becoming an effective tool in promoting products and increasing engagement with consumers. This study uses a qualitative approach with in-depth interview methods with marketing managers, social media staff, and several loyal customers. The results of the study indicate that the marketing strategy implemented through social media, including the use of Instagram and Facebook, has succeeded in increasing brand awareness and attracting new customers. In addition, the results of the financial analysis indicate that the implementation of an effective social media strategy has contributed significantly to increasing sales, which has led to an increase in the company's financial performance. However, the challenge of maintaining consistency and managing interactions on social media is an important factor for long-term success. This study provides insight into the importance of social media as an integral part of a marketing strategy to improve the company's financial performance.

The increasingly dynamic global financial landscape demands effective risk management strategies to ensure financial stability and institutional sustainability. Two critical approaches, risk financing transfers and risk retention, offer complementary solutions. Risk financing transfers allow institutions to redistribute financial risks to third parties through mechanisms such as securitization and Credit Risk Transfers (CRTs), improving market efficiency. In contrast, risk retention emphasizes accountability by require institutions to retain a portion of the risks, fostering market discipline and investor confidence.This study employs a Semantic Literature Review (SLR) to analyze the interaction between these approaches, focusing on mechanisms like securitization, contract design, and macroprudential policies. By reviewing ten peer reviewed articles published between 2015 and 2024, key themes and challenges related to systemic risks, moral hazards, and regulatory gaps are identified. Thematic analysis, supported by tools like NVivo, reveals the potential of these mechanisms to enhance financial stability when implemented within a robust regulatory framework.The results highlights that while risk financing transfers increase flexibility and market efficiency, they May exacerbate moral hazards without sufficient risk retention. Macroprudential policies and accurate risk pricing is crucial in addressing systemic risks, particularly in sectors like shadow banking and climate vulnerable regions. The study also underscore the importance of transparent contract design and the integration of innovative tools, such as geospatial data and machine learning, to support fair and efficient risk distribution.In conclusion, balancing market efficiency and systemic risk mitigation is imperative.While​ risk retention strengths accountability and oversight, effective integration with risk financing transfers is necessary to create a sustainable and resilient financial system.This​ review provides valuable insights for policy makers and practitioners in addressing emerging financial challenges.

Self-adjustment is an interaction ability to establish a good relationship between individuals and their environment. New student self-adjustment is a challenge to deal with changes from high school to college. Changes in terms of academic, social, emotional and institutional attachment are much more difficult than the previous level of education so that new students have difficulty adjusting. This study aims to determine the description of the self-adjustment. Methods: The type of research design used is descriptive with a cross sectional design. The instrument used is a questionnaire with google form media. The population in this study are 99 respondents. The sampling technique uses total sampling technique with a sample size of 99 respondents. Results: Based on the results of the study analyzed using univariate analysis, it shows that new students have a high level of self-adjustment, namely 68 people (68.7%) and moderate self-adjustment as many as 31 people (31.3%). Low self-adjustment can be caused by self-doubt, lack of self-confidence, lack of openness from others and excessive stress. Conclusion: So the researcher expects new students to multiply relationships, improve talents and skills, follow guidance during the learning process in lectures and seek support and motivation from mentors, friends, and family.  

Slang is an informal language that is the result of individual or group creativity that is accepted and used by the wider community. Slang language among Generation Alpha emerged as a result of interactions on social media with the previous generation, namely Generation Z. Data collection methods were carried out by reading, taking notes and recording (screenshots). Researchers also counted how many times the slang language appeared on social media from the most frequently to the least frequently used in October 2024. In that period, 3,728 mewing words, 3,410 sigma words, 3,038 sus words, 2,666 skibidi words, 2,275 slay words, 1,705 flexing words, 152 fanum tax words, and 90 words looksmaxing in posts and comments columns on X's social media in Indonesia. Slang is divided into four forms, namely abbreviations, interjections, funny mispronunciations, and shortened forms.

Language acquisition is one of the main focuses of parents in monitoring children's development. Language acquisition has been the subject of study by linguists from the past to the present. First language acquisition is the process of language acquisition and development that occurs naturally. The purpose of this study is to find out more about children's language acquisition and analyze the extent of their language acquisition. The subject is Muhammad Rayan who is 3 years and 10 months old, the child is in an environment that often uses Banjar language. So that the data obtained also uses Banjar language. This research uses descriptive qualitative method. Data collection is done by recording techniques, direct interaction and recording the data obtained. From the results of the research conducted, it can be concluded that there are three very important aspects in children's language acquisition, namely phonological, syntactic and semantic aspects. This is done to determine the extent of a child's language development. Based on the researcher's analysis, children aged 3 years and 10 months can already pronounce vowel and consonant phonemes. Although there are some mistakes in pronunciation. In addition, in the syntactic aspect, children can pronounce words in short sentences with various types, such as statement, question and command sentences. In the semantic aspect, children are able to distinguish words and their use in each speech..

The phenomenon of increasing use of online games among teenagers in Pebenaan Village, Indragiri Hilir Regency, shows a shift in communication patterns from the real world to the virtual world. Online games no longer only serve as entertainment, but also become a significant space for social communication. This research aims to identify teenagers' motives for using online games as a communication medium, understand the communication process that occurs, and evaluate its impact on their social behavior. Using a descriptive qualitative approach, data was collected through in-depth interviews, participant observation and documentation. The research informants were teenagers aged 13–19 years who actively played online games in Pebenaan Village. The research results show that the main motives of teenagers include entertainment, escape from boredom, social acceptance, and expanding friendship networks. The communication process in online games occurs through text chat, voice chat, and symbols such as emotes, which allows spontaneous and flexible interaction. Positive impacts include increasing collaboration skills and expanding social networks, while negative impacts include decreasing the intensity of real-world interactions and the use of abusive language. This research concludes that online games offer opportunities and challenges for teenagers' communication patterns, so wise management is needed to exploit their positive potential without ignoring the risks that may arise.