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This qualitative literature review investigates the impact of the 'invest-and-harvest' pricing pattern on mortgage lending decisions and market regulation policies. The analysis reveals that lenders often offer low-interest rates to attract new borrowers while charging higher rates to loyal renewers, influenced by search and switching frictions. These dynamics significantly affect market competition and have crucial policy implications. The study highlights the need for adaptive public policies that consider these pricing strategies to enhance market efficiency and fairness. Additionally, borrower heterogeneity plays a vital role, with lower-income and lower-credit-score borrowers benefiting more from long-term contracts. Despite its insights, the study is limited by its reliance on existing literature and its focus on developed markets, suggesting the need for further research in diverse contexts.

This study aims to examine the responses of Gen Z regarding the influence of Emotional Branding and BrandImage on Customer Loyalty of Teh Gelas products among Gen Z in Bandung, both partially and simultaneously. The intense competition in the packaged tea drink market, along with the consistent decline in Teh Gelas brand index, the changing lifestyle, and consumption patterns of Gen Z, highlight significant challenges for Teh Gelas in maintaining customer loyalty. Additionally, negative consumer reviews on social media further weaken the BrandImage of Teh Gelas. The research method used is quantitative with a descriptive and verificative approach, and data collection was carried out through the distribution of questionnaires to 100 respondents. The analytical instruments include validity testing, reliability testing, classical assumption testing, normality testing, multicollinearity testing, heteroscedasticity testing, multiple linear regression analysis, t-test (partial), f-test (simultaneous), correlation coefficient testing, and coefficient of determination analysis, with the help of SPSS Version 30 software. The research results show that the significance level of f is 0.01, which is smaller than 0.05. Therefore, H_03 is rejected, which means that Emotional Branding and BrandImage have a simultaneous effect on Customer Loyalty of Teh Gelas products among Gen Z in Bandung.

Environmental management auditing is a strategic tool used to assess an organization’s performance in environmental management. Its main objectives are to enhance compliance with regulations, identify environmental risks, and strengthen corporate social responsibility. This study uses a bibliometric approach to analyze trends and research opportunities in the field of environmental management auditing during the period 2015–2025. Utilizing the Publish or Perish and VOSviewer software, this study examines 200 publications obtained through Google Scholar, revealing citation patterns, author collaborations, and frequently occurring keywords in the literature. The analysis results show that topics such as auditing, disclosure, governance, and big data dominate the existing literature, reflecting significant attention to transparency and data management in environmental audits. Additionally, there is a noticeable shift toward the use of technology in environmental auditing practices, including the use of big data and analytics to support audit processes. Bibliometric visualization also identified several areas with low density, such as implementation and environmental information, indicating potential research opportunities. This suggests that although significant research has been conducted, there is still room for further development, particularly regarding the implementation of environmental management audits across various industries. This study provides valuable insights into the development of more adaptive, multidisciplinary environmental auditing strategies that align with sustainable development goals.

This study examines the phenomenon of Muslim consumer consumptive behavior in the digital era, focusing on online shopping activities through e-commerce platforms. The main goal is to examine the conformity of consumption behavior with the principles of consumption ethics in Islam. Using a qualitative descriptive approach, data was collected through in-depth interviews with selected Muslim consumers as well as observations of purchasing patterns over three months. The results show that the ease of access to technology, the intensity of promotion, and the influence of social media are the dominant factors that encourage impulse buying behavior. This phenomenon creates a gap between actual consumption practices and Islamic ethical values, especially related to the principles of moderation (wasathiyah), avoidance of waste (israf), and social responsibility in shopping. While some respondents showed awareness of these values, the pressures of the digital environment and consumptive lifestyles often obscure ethical considerations in purchasing decision-making. The implications of these findings emphasize the urgency of strengthening Islamic consumption literacy through digital education, awareness campaigns, and the integration of religious values in ethical marketing strategies. This research is expected to be the basis for the development of sustainable consumption policies based on spiritual values, as well as encourage Muslim consumers to be more critical and wise in facing the evolving dynamics of digital commerce.

This research explores the symbolic consumption patterns of Generation Z in engaging with local products during the digital hyperreality era, emphasizing the roles of ethical consumption, hyperreality values, and digital identity in shaping purchase intentions. Using a quantitative design through PLS-SEM complemented by qualitative evidence, the study shows that both ethical consumption and hyperreality significantly shape digital identity (β = 0.42; β = 0.53, p < 0.001). Digital identity strongly drives purchase intention (β = 0.65, p < 0.001), while ethical consumption does not directly affect it. Mediation analysis demonstrates that digital identity fully mediates the relationship between ethical consumption and purchase intention, and partially mediates the impact of hyperreality. Qualitative findings highlight that Gen Z’s buying decisions are influenced by symbols and imagery showcased on social media, where ethical aspects only become relevant when they align with digital aesthetics. These results strengthen the postmodernist perspective that consumption in the digital era is primarily about signs, images, and symbols that go beyond mere utility. The study suggests that MSMEs should strategically embed symbolic narratives, ethical dimensions, and visual aesthetics into digital marketing to appeal to Gen Z while promoting sustainability.

In recent years, Micro, Small, and Medium Enterprises (MSMEs) have increasingly positioned themselves as one of the main pillars of the Indonesian economy, contributing significantly to employment opportunities, income distribution, and economic resilience. In the local context, Cifest Cikarang Selatan represents a dynamic marketplace where various MSMEs operate and directly interact with consumers. An interesting phenomenon emerges during holiday periods, when consumer behavior shows significant changes, especially in terms of purchasing methods and preferences between online and offline channels. This study aims to explore the transformation of consumer behavior, focusing on the comparative analysis of online and offline purchases, and to evaluate its broader implications for the sustainability and competitiveness of MSMEs operating at Cifest. The research adopts a descriptive and analytical approach, using both recent statistical data and supporting literature to provide a comprehensive understanding of the digital era’s influence on shopping patterns. The findings reveal that online purchases continue to grow rapidly due to convenience, wider product access, and promotional offers that attract customers. However, offline purchases remain relevant, particularly for consumers who value direct product inspection, immediate ownership, and social interaction within traditional marketplaces. For MSMEs, this shift presents both challenges and opportunities. Those that rely solely on conventional offline strategies risk losing competitiveness, while those able to integrate digital platforms with traditional sales methods demonstrate greater adaptability and potential for growth. Overall, this study concludes that the sustainability of MSMEs in Cifest Cikarang Selatan depends largely on their ability to embrace digital transformation without neglecting the strengths of offline interactions. By leveraging both channels strategically, MSMEs can not only survive but also thrive in the increasingly competitive market landscape shaped by evolving consumer behavior.

The purpose of this Community Service activity is to assist teachers in developing reading teaching materials based on Micro Reading Skills, which serve as the foundation for improving reading skills and addressing challenges related to reading English texts. This initiative was carried out using a mentoring approach, which included presentations, hands-on practices, and demonstrations to engage teachers effectively. The methodology employed to assess the progress involved qualitative data analysis, which was based on direct observation of changes in teachers' abilities to apply the micro reading skills taught during the mentoring sessions. The activity focused on key components of micro reading skills, such as vocabulary acquisition, sentence comprehension, cohesive devices, theme-rheme relationships, and thematic progression patterns, which are essential to overcoming reading challenges. Teachers were equipped with strategies to decode complex texts and improve reading comprehension through the identification of these components. One of the significant outcomes of this program was the noticeable increase in teachers' understanding of how to implement these micro reading skills to address the difficulties students face while reading English texts. The participants' enthusiasm and active involvement during the mentoring sessions were inspiring, and the teachers expressed a strong desire to deepen their knowledge and continue developing specialized teaching materials focused on reading skills. This community service activity has not only provided immediate knowledge to the teachers but also sparked a lasting interest in refining their instructional approaches. Furthermore, the enhanced capabilities of the teachers will contribute to better student outcomes in reading comprehension, making this community service initiative an invaluable investment in both the professional development of teachers and the academic success of students.

This study discusses the influence of parenting patterns on children's social development in Maukeli Village, Mauponggo District, Nagekeo Regency. Community service activities in the form of socialization carried out on May 14, 2025 aimed to increase the understanding of mothers and the community regarding the importance of healthy and positive parenting patterns in supporting the growth and formation of children's character. The methods used include lectures, discussions, simulations, evaluations, and feedback, involving mothers and children as participants. The results of the activity show that the parenting patterns applied in Maukeli Village are still diverse, so this socialization provides knowledge and practical skills in child care that can shape children's character and emotional development optimally. This activity emphasizes the importance of the active role of mothers as primary caregivers and collaboration between the village government, health workers, and the community in creating a conducive family environment for child development. With ongoing assistance, it is hoped that children in Maukeli Village can grow into independent, responsible, and highly competitive individuals.

Tofu is one of the most widely consumed foodstuffs in Indonesia, enjoyed by nearly all social groups due to its affordability, nutritional value, and availability. As a processed product derived from soybeans, tofu has been an integral part of Indonesian diets for generations, with its consumption evenly distributed across regions. This study focuses on analyzing tofu consumption patterns in the Tenggarong sub-district, Kutai Kartanegara Regency, while specifically examining the influence of tofu and tempeh prices on tofu demand. Tempeh is included in the analysis as a comparative product due to its similarity in raw materials and market segment. The research employs a quantitative approach using multiple linear regression to determine the effect of the independent variables—price of tofu (X1) and price of tempeh (X2)—on the dependent variable, tofu demand (Y). Data were collected from relevant local sources through market surveys and secondary data records. The results indicate that both X1 and X2 have a measurable influence on Y, as reflected in the regression equation: Y = -50,178.37 + 20.48X1 + 2,488.09X2. The positive coefficient for tofu price suggests that, contrary to typical demand theory, an increase in tofu price in this specific market segment is associated with higher demand, which may indicate the influence of perceived quality or brand loyalty. Similarly, the positive coefficient for tempeh price implies that as tempeh becomes more expensive, consumers may substitute it with tofu, thereby increasing tofu demand. These findings highlight unique consumer behavior patterns in Tenggarong that may be influenced by cultural preferences, income stability, and market conditions. The study concludes that price dynamics between tofu and its substitute product, tempeh, play a significant role in shaping tofu consumption.

The rapid development of the smart city concept encourages the need for energy management that is more efficient, sustainable and adaptive to the needs of modern urban communities. In this context, renewable energy is the main solution to reduce dependence on fossil energy sources that are limited and pollute the environment. This research aims to optimize the utilization of renewable energy in smart cities by integrating Big Data technology and Decision Support Systems (DSS). The approach used in this research is a case study and system modeling method, which involves collecting energy data from various sources such as IoT sensors, weather stations, and energy distribution systems in real-time. The data is then analyzed using Big Data Analytics techniques to identify energy consumption patterns, potential renewable energy production, and peak load predictions. Furthermore, a decision support system was designed to assist policy makers and city managers in determining optimal energy distribution and usage strategies based on the available data and simulations. The results show that the integration of Big Data and DSS is able to increase the efficiency of renewable energy utilization up to 25% compared to conventional systems. In addition, the system is also able to dynamically respond to changing conditions and provide more accurate and adaptive decision recommendations. These findings indicate that the synergy between data technology and decision support systems plays a strategic role in creating sustainable and environmentally sound smart cities.

This study aims to analyze the influence of pocket money and Islamic financial literacy on student consumption behavior at SMAS AL-KAHFI Islamic Boarding School. The research background is based on the importance of students' understanding of personal financial management, especially in the context of pesantren based education that integrates sharia values. The research method used was quantitative with a multiple linear regression approach to test the relationship between free variables (sharia allowance and financial literacy) and bound variables (consumption behavior). The population in this study is all students of SMAS AL-KAHFI which is 675 people. A sample of 60 students was selected using the Hair et al. formula, with data collection techniques through questionnaires as primary data sources and literature studies as secondary data. Data analysis is carried out with the help of statistical software to test the validity, reliability, and significance of relationships between variables. The results of the study show that simultaneously, pocket money and Islamic financial literacy have a significant influence on students' consumption behavior. Partially, allowances have a positive and significant effect, showing that the larger the allowance received, the higher the tendency of students to consume. Meanwhile, Islamic financial literacy has a positive but insignificant effect, which indicates that understanding of Islamic finance principles has not fully affected students' consumption patterns in real terms. A determination coefficient of 85.5% indicates that both independent variables are able to explain most of the variation in students' consumption behavior, while the rest are influenced by other factors outside the model. This research contributes to the development of Islamic finance education in the pesantren based school environment and becomes the basis for wiser management of pocket money among students.

The shift in lifestyle patterns, particularly in urban areas, has driven rapid growth in the fast food industry in Indonesia. Many franchise businesses are chosen by the public because they offer proven systems that reduce the risk of failure. This study aims to analyze and examine the market expansion strategies implemented by fast food franchise brand owners in Indonesia. The focus of this study is a descriptive qualitative approach with case studies of several local and international fast food franchises. The methods used in this study include in-depth interviews, observation, and documentation to gather relevant data on the strategies employed. Successful franchises are influenced by several key factors, including strong brand equity, clear operational standards, and support systems provided by the franchiser to franchisees. Furthermore, the ability to adapt to local tastes is also an essential aspect in the success of expanding fast food franchises in Indonesia. The study also reveals that the utilization of digital media, selection of strategic locations, and partnerships with food delivery services are major drivers of market expansion strategies. The results of this study emphasize that fast food franchises looking to grow further need to implement product differentiation strategies to remain competitive in an increasingly crowded market. Product innovation is key for franchises to stay relevant and stand out from other brands. Additionally, continuous mentoring and evaluation of franchise partners are critical for ensuring sustainable and mutually beneficial collaborations. Overall, applying the right strategies and ensuring sustainability will ensure the success and broader market expansion of fast food franchises in Indonesia.

The purpose of this study is to determine the pattern of the concept of integration between Science and Islam, to explore how this integration is implemented, and to identify the factors that influence its effectiveness in the context of learning for the Integrated Madrasah Science Competition (KSM) in Biology at MAN 1 Wonosobo. This study employs a qualitative research method, utilizing field research and descriptive research approaches. The findings indicate that the pattern of integration between Science and Islam in biology learning is interconnective, blending both perspectives seamlessly. Supervisory teachers, who predominantly have a pure scientific background in biology, play an active role in discussions and studies. The use of biology textbooks as learning resources, which integrate both scientific and Islamic content, is maximized, allowing for in-depth discussions between teachers and students. Key factors influencing the effectiveness of the Biology KSM include the curriculum and learning materials that emphasize the integration of Science and Islam. The competencies of interdisciplinary teachers who understand and master the integration of both sciences are crucial for the success of the Biology KSM. Additionally, support from all components of the madrasah is essential for creating a motivating and guiding framework that encourages the integration process. These findings suggest that the combination of academic expertise in both science and Islam, along with strong institutional support, contributes significantly to the effectiveness of the Integrated Madrasah Science Competition and enhances the learning experience for students. This study provides insights into how the integration of Science and Islam can be effectively implemented in the educational context, specifically within biology education.

Mathematics is a universal science that underlies the development of modern science and technology, and has an important role in the development of human thinking. Mathematics is a subject that is based on logical, rational, critical, and systematic thinking patterns. Religion and rationality are two perspectives that have a strong influence. Humans view religious values ​​and rational values ​​as different entities, causing a dichotomy paradigm, especially in the realm of education. In the perspective of the epistemology of science in Islam, Islam and science are complementary and interdependent entities. The mathematical approach used here does not mean that Islamic values ​​are low, but only to increase the belief of Muslims that all knowledge is valuable and can lead to true goodness and increase faith and closeness to Allah SWT.To examine how Islamic values ​​are applied in mathematics learning, To identify and develop effective strategies or methods in integrating Islamic values ​​in mathematics learning materials, To measure the extent of the application of Islamic values ​​in mathematics learning.This study uses a qualitative approach, while the type of research used by the researcher is descriptive research.Mathematics as a logical and systematic science, has a meeting point with Islamic teachings that emphasize truth, justice, and balance. For example, the concept of monotheism can be associated with the order of the universe expressed through mathematical formulas, fostering a sense of gratitude and obedience. The implementation of Islamic values ​​that are rahmatan lil 'alamin (blessing for all nature) in mathematics learning, especially to form honest and fair characters in students.

This study investigates the interrelationship between digital collaboration platforms, sustainable supply chain integration, and organizational resilience across emerging economies. As global supply chains face increasing uncertainty and environmental challenges, digital transformation has become a strategic necessity for building sustainable and adaptive business networks. Using a quantitative research approach with data collected from multiple countries, the study employs Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine the hypothesized relationships among key variables. The results reveal that digital collaboration significantly enhances sustainable supply chain integration by improving transparency, coordination, and real-time information sharing among partners. Furthermore, sustainable supply chain integration is found to mediate the relationship between digital collaboration and organizational resilience, indicating that technology-driven collaboration must be complemented with sustainability-oriented practices to achieve long-term resilience. The findings also demonstrate consistent patterns across emerging economies, suggesting that the integration of digital and sustainable strategies represents a universal model for organizational strength and adaptability. This research contributes to the growing body of knowledge on digital transformation and sustainability by providing empirical evidence of their synergistic impact on resilience. It offers practical implications for managers and policymakers seeking to enhance competitiveness and sustainability through digital collaboration within complex global supply chain systems.

This research explores the influence of customer satisfaction on the financial performance of Perumda Tirtanadi, with a particular focus on the digital service system as a moderating factor. The study is driven by the growing urgency for digital innovation in public service sectors, particularly in the wake of the COVID-19 pandemic, which significantly altered customer engagement patterns. A quantitative method is adopted, employing Partial Least Squares–Structural Equation Modeling (PLS-SEM) using the SmartPLS 4 software to process the collected data. The analysis demonstrates that both customer satisfaction and digital services have independent and significant positive effects on financial outcomes. However, the interaction between these two variables does not show a statistically significant moderating effect. These findings underline the value of digital infrastructure as a strategic internal resource that supports financial growth. Nevertheless, the minimal moderating impact suggests that a portion of customers either lack access or sufficient skills to effectively utilize the available digital platforms. This study adds to the current body of knowledge by examining the interplay between digital transformation and customer satisfaction in shaping financial performance, framed through the Resource-Based View (RBV) theory. The research suggests that improving digital literacy and promoting better adoption of digital tools among customers is essential to fully capitalize on the benefits of technological advancement. Furthermore, it highlights the need for continuous training and support to ensure that all customers can engage with digital services effectively, thereby enhancing overall satisfaction and financial performance. By addressing these gaps, organizations can foster a more inclusive digital environment that benefits both the customers and the service providers.

The development of e-commerce and digital technology has changed the consumption patterns of students, especially through live streaming features and twin date events on Shopee. This study aims to analyze the role of Fear of Missing Out (FOMO) in mediating the influence of live streaming and twin-date events on the consumption behavior of students at Yogyakarta State University. A quantitative approach was used with the Structural Equation Modeling (SEM) method based on Partial Least Squares (PLS). The research sample consisted of 315 student respondents who had used the live streaming feature and participated in Shopee's twin-date events. The results showed that twin-date events had a positive and significant effect on FOMO and consumer behavior, while live streaming only had a significant effect on consumer behavior but not on FOMO. FOMO itself significantly influences consumer behavior and mediates the influence of the twin date event on consumer behavior. However, FOMO does not mediate the influence of live streaming on consumer behavior. This finding indicates that the urgency of time and exclusive promotions during the twin date event are more effective in triggering FOMO than live streaming. This study recommends the importance of digital consumption literacy for students and the development of emotion-based marketing strategies by e-commerce platforms. This study has limitations in terms of sample scope and variables used, so further research is recommended to include additional variables such as lifestyle or financial literacy, and to expand the sample to other universities.

This study examines the impact of rising commodity prices on household expenditure patterns from the perspective of conventional economic literature. The review method is used to trace and synthesize the findings of studies published nationally in the last five years. The main objective is to analyze how inflationary pressures on basic necessities such as food, fuel, and housing affect expenditure shifts. The review reveals that rising prices of basic products cause families to reduce discretionary spending, allocate budgets, and occupy lower welfare levels. This study contributes to policy recommendations by identifying the most important expenditure factors and recommending targeted social protection. This conceptual article promotes the role of fiscal and monetary stability in fostering household purchasing power in developing countries such as Indonesia. The impact on the economic bottom line is considered in great depth, strengthening the role of price controls, subsidies, and income redistribution activities..

Conflict management is an unavoidable challenge in complex and multicultural industrial environments, particularly when involving cross-functional teams with diverse backgrounds and expertise. This study aims to explore the sources of conflict, resolution strategies, and their impact on team performance in industrial organizations. Special emphasis is placed on the managerial competencies of a Project Manager in navigating the dynamics of a technical team. A reflective qualitative approach was employed, utilizing semi-structured interviews with an experienced Project Engineering Manager in the industrial sector. Thematic analysis was conducted to identify patterns of conflict, management strategies, and their influence on project outcomes. The findings indicate that the effectiveness of conflict management is largely determined by the leader’s ability to foster open communication and empathy within the team. A humanistic and constructive leadership style was found to minimize the negative impacts of conflict, while a confrontational approach tended to diminish motivation and performance. The practical implications of this study underscore the importance of enhancing leadership capacity and managerial communication to develop adaptive and collaborative project teams.

This music training with rhythm pattern material aims to improve the competence of kindergarten teachers in integrating creative and fun music learning in the early childhood education environment. The training activity was carried out at the FKIP Kindergarten, Syiah Kuala University and involved 15 teachers as participants. The training method includes initial observation, pre-test, and a series of learning stages ranging from the introduction of rhythm and tempo, rhythm composition, to joint exercises using alternative media such as used goods as musical instruments. The results of the training showed a significant increase in teachers' understanding of rhythm concepts, creativity in creating rhythm patterns, and the ability to utilize simple media as musical instruments. This training proves that with creativity and the right approach, the limitations of musical instruments are not an obstacle to organizing effective music learning in kindergarten.