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The development of financial technology has led to the emergence of online lending services based on Peer-to-Peer Lending (P2P Lending), which offer easy access to unsecured financing. However, this convenience poses significant risks when targeted at university students, who generally lack stable income and have weak financial literacy. The absence of manual verification and the suboptimal application of the prudential principle may result in a disproportionate debt burden for students. This study aims to analyze the extent to which the prudential principle is implemented by P2P Lending providers in granting loans to students, as well as to examine the legal construction of online lending agreements from a consumer protection perspective. This research employs a normative juridical method using statutory, doctrinal, and conceptual approaches. Data were obtained through literature review of relevant laws and regulations, legal literature, and supporting documents. The application of the prudential principle by P2P Lending providers remains limited and tends to focus more on user expansion than on debtor risk analysis. Online loan agreements are unilaterally drafted through standard contracts that place students in a weak legal position, without adequate protective mechanisms. Students, as vulnerable debtors, have not yet received optimal legal protection due to weak implementation of the prudential principle and exploitative contractual arrangements. Regulatory reform and strengthened oversight are necessary to ensure contractual fairness.

This research investigates climate change adaptation frameworks for Indonesian port infrastructure and workforce safety through integrated risk management approaches addressing physical facility resilience and human resource protection. Through qualitative analysis involving 37 stakeholders including port authorities, terminal operators, marine engineers, climate scientists, occupational health specialists, and port workers, this study examines how climate threats including sea level rise, extreme weather, flooding, and heat stress affect both port operations and worker safety requiring coordinated adaptation strategies. Results demonstrate that integrated frameworks can reduce climate-related operational disruptions by 50-70%, decrease worker heat illness by 60-80%, improve emergency response effectiveness by 55-75%, and enhance infrastructure resilience by 45-65% when combining physical hardening with workforce protection measures. Key challenges include immediate infrastructure damage (ports already experiencing 3-8 annual flooding shutdowns), worker heat illness epidemic (150+ cases in 2023 with 300% increase), investment decision urgency ($15-25 billion infrastructure commitments 2024-2030), and organizational coordination across fragmented stakeholders. Findings reveal that successful climate adaptation requires holistic sociotechnical approaches treating ports as integrated human-infrastructure systems where worker safety and facility resilience prove inseparable, supporting Indonesia's maritime economic security and coastal community welfare through comprehensive climate risk management.

This study aims to analyze The Responsibility of the Regional General Hospital (RSUD) TC. Hilers Maumere regarding the practice of burning medical waste and to examine its conformity with the provisions of Law Number 17 of 2023 concerning Health and other regulations related to hazardous waste management. Medical waste management is an important issue because improper handling may cause environmental pollution and pose serious risks to public health. This research employs an empirical legal research method with a descriptive approach, examining how the law operates in society through field data collection and analysis of relevant legal regulations.The results show that RSUD TC. Hilers Maumere implements a waste management system that includes the separation of household waste, liquid waste, and hazardous and toxic waste (B3). Medical waste is categorized and packaged according to its type, weighed, temporarily stored in medical waste storage facilities, and then destroyed using an incinerator or transported by authorized third parties. However, the practice of burning medical waste must be strictly supervised to prevent environmental impacts and potential legal violations. Therefore, stronger supervision, compliance with medical waste management standards, and the implementation of firm legal responsibility are necessary to protect public health and environmental sustainability.

This study examines the export barriers encountered by emerging small and medium-sized enterprises (SMEs) in Indonesia, with a focus on export documentation challenges, tariff constraints, and the adaptive marketing strategies employed to sustain international market engagement. Employing a qualitative case study approach, this research investigates PT Albarka International Group, a nascent export-import company established in 2021 and headquartered in Malang, East Java, which specializes in the export of natural commodities including Bakhur-related materials (opercula shells, damar resin, agarwood), spices, and other Indonesian products to Middle East markets including Yemen, Saudi Arabia, UAE, Libya, Sudan, and Djibouti. Data were collected through in-depth interviews with key company personnel and supplemented by document analysis. Findings reveal three primary export barriers: (1) high shipping tariffs relative to regional competitors, frequently triggering order cancellations by importers; (2) complex and time-intensive export documentation requirements, particularly for regulated natural resource products subject to CITES compliance, fish quarantine certification (Health Certificate), and customs declaration (PEB); and (3) internal organizational constraints stemming from overlapping job roles. In response, PT Albarka has adopted adaptive strategies including Full Container Load (FCL) consolidation to reduce per-unit shipping costs, advance payment systems (TT in advance) to mitigate importer default risk, and collaborative consultation with customs and quarantine authorities. The study contributes to the SME internationalization literature by demonstrating how resource-constrained emerging exporters navigate institutional and logistical complexities in developing economy contexts, offering practical insights for SME practitioners and export policy stakeholders.

Marriage in Islam is not only a civil bond, but also a very strong bond (mitsaqan ghalidzan) to obey Allah's commands and carry it out as worship. The purpose of marriage in Islam is to fulfill religious guidance in order to establish a harmonious, prosperous and happy family, where the relationship between husband and wife is in a strong bond in accordance with the commands of Allah SWT. The purpose of this study is to analyze the legal provisions regarding marriage dispensation, analyze the judge's legal considerations in Decree Number 46 / Pdt.P / 2024 / PA.Lpk., and analyze the implementation of the principle of the best interests of children in determining marriage dispensation at the Lubuk Pakam Religious Court. The research method used is normative juridical legal research with a document study approach to laws and court decisions. Data sources consist of primary data obtained through interviews with judges, clerks, and religious figures, as well as secondary data in the form of primary, secondary, and tertiary legal materials. The data analysis technique uses qualitative analysis. The results of the study show that: Legal provisions regarding marriage dispensation are regulated in Article 7 of Law Number 16 of 2019 which sets the minimum age limit for marriage at 19 years for men and women, with exceptions where dispensation can be requested from the Court for urgent reasons. Supreme Court Regulation Number 5 of 2019 regulates the procedure for examining marriage dispensation cases which requires the judge to listen to the child's statement, verify the absence of coercion, and consider the best interests of the child. The judge's legal considerations in Decision Number 46/Pdt.P/2024/PA.Lpk. have fulfilled formal requirements by considering the authority to adjudicate, the applicant's legal standing, the reasons for the request in the form of a very close relationship, the absence of coercion, the absence of obstacles to marriage, and the economic readiness of the prospective husband. The implementation of the principle of the best interests of the child has been carried out through providing advice on the risks of child marriage, listening to the child's opinions, and suggesting marriage postponement, although there are still limitations such as the lack of referrals to psychologists and minimal consideration of continuing education. The conclusion of this study is that the Lubuk Pakam Religious Court has implemented the provisions of marriage dispensation in accordance with applicable laws and regulations. The judge's legal considerations in Decree Number 46/Pdt.P/2024/PA.Lpk have fulfilled the formal and material aspects, however, the implementation of the principle of the best interests of the child still faces challenges from the normative, institutional, and socio-cultural aspects.

This study investigates the implementation of history learning based on Higher Order Thinking Skills (HOTS) in developing students' analytical history skills. This research is motivated by the dominance of conventional teaching focused on lectures that emphasize memorization of facts rather than critical and analytical thinking. The study aims to describe how HOTS-based strategies are implemented in history classes and to analyze their impact on students' analytical skills. This research uses a qualitative descriptive methodology. Data were collected through classroom observations, interviews, and documentation, then analyzed using data reduction, data display, and conclusion drawing techniques. The findings show that before the implementation of HOTS, students' responses were mostly descriptive and limited to recalling factual information. After the implementation of HOTS-based learning through the use of analytical questions, historical case studies, source analysis, and structured group discussions, students showed significant improvement in explaining cause-and-effect relationships, evaluating historical evidence, and building logical arguments. Students became more active in discussions and demonstrated a deeper conceptual understanding than mere memorization. However, several challenges were identified, including students' limited experience in critical thinking, time constraints, and the need for teachers to be better prepared in designing HOTS-oriented learning instruments. Overall, this study concludes that HOTS-based history learning effectively improves students' analytical history skills and shifts the learning orientation from lower-order thinking to higher cognitive engagement. This approach pedagogically contributes to fostering a critical, reflective, and contextual understanding of history that is relevant to the demands of 21st-century education.

Occupational Safety and Health (K3) is an important aspect in protecting workers from potential accidents and health problems arising from work activities, including in the administrative sector, which is often considered low-risk. However, the Human Resources (HR) Department at PT Micro Madani Institute (MMI) Solo Branch still found several potential hazards and work risks that have not been optimally identified. This study aims to apply the Hazard and Operability Study (HAZOPS) and Job Safety Analysis (JSA) methods to identify and mitigate hazards and work accident risks in the HR Department's activities at PT Micro Madani Institute (MMI) Solo Branch. The research method is a qualitative study with a descriptive approach through observation and interviews. Risk analysis used the JSA and HAZOPS methods. The results of the study show that the application of the HAZOPS method in five sections of the HR Department successfully identified 53 potential hazards and risks, consisting of 12 extreme risks, 23 high risks, 15 moderate risks, and 3 low risks with the Employee Training and Development section as the section with the largest number of risks. Meanwhile, the application of the JSA method also identified 53 potential hazards and risks from 19 work activities. The dominant risks stem from non-ergonomic work postures, prolonged sitting, intensive computer use, and high workloads. This study concludes that the JSA and HAZOPS methods are effective in identifying potential occupational hazards and risks and can serve as the basis for control efforts to minimize workplace accidents and improve OHS implementation in the HR Department.

This research investigates transparency and accountability in the management of state-owned assets (BMN) at the East Java Regional Police's Logistics Bureau as a step toward enhancing effective, adaptive, and integrity-focused governance in police logistics. The research context arises from the growing public call for transparency and accountability in managing state assets, in line with policies for bureaucratic reform and digitalization in the police logistics framework. This study utilized a qualitative descriptive approach involving in-depth interviews, observations in the field, and analysis of documents. The results show that adopting a unified digital system has enhanced the efficiency of asset management, sped up inventory operations, and reduced the risks of asset misuse. Nonetheless, obstacles persist, such as restricted human resource capacity, data alignment problems, and inadequate performance-based assessments. The conversation emphasizes that effective asset management relies on the implementation of adaptive governance, motivation for public service, and precise performance assessment systems. The research indicates that the integration of digital innovation, professional skills, and a robust commitment to public accountability is crucial for creating transparent and sustainable governance in police logistics

Bullying is a form of aggressive behavior that is intentionally and repeatedly carried out, characterized by an imbalance of power between the perpetrator and the victim. This phenomenon is not limited to childhood and adolescence but may also produce long term effects that extend into adulthood, including among university students. This study aims to explore the long term impact of bullying on victims’ mental health, with a particular focus on students who have experienced bullying in the past. The study employed a descriptive qualitative method using a literature review approach. Data were obtained through a comprehensive analysis of scientific articles, national and international journals, and previous studies related to bullying and mental health. The findings show that victims of bullying face a higher risk of psychological problems, such as depression, anxiety, post traumatic stress disorder or PTSD, low self esteem, and difficulties in social interactions. These effects influence not only emotional well-being but also academic functioning, including reduced concentration, decreased learning motivation, and lower academic performance. In addition, prolonged psychological stress resulting from bullying may lead to physical problems, such as sleep disturbances and somatic complaints. Factors including limited social support, maladaptive coping strategies, and high intensity or prolonged exposure to bullying were found to intensify the negative impacts experienced by victims. Therefore, this study emphasizes the importance of comprehensive prevention and intervention efforts in higher education settings, such as the provision of accessible counseling services, the implementation of strict anti bullying policies, and the strengthening of social support systems to minimize the long-term mental health effects of bullying among university students.  

Excessive smartphone use among adolescents, especially students, can develop into smartphone addiction and potentially disrupt learning concentration. At SMP Negeri 11 Jambi City, most students use smartphones for long periods for entertainment and social media until late at night, which leads to drowsiness and reduced focus during lessons. This study employed a quantitative method with a cross-sectional design. The population consisted of all seventh-grade students at SMP Negeri 11 Jambi City, totaling 352 students, with a sample of 175 respondents selected through stratified proportionate random sampling. Data were collected using the Smartphone Addiction Scale–Short Version (SAS-SV) questionnaire and a learning concentration questionnaire. Data analysis was conducted using univariate and bivariate methods with Kendall’s tau-b test. The results showed that 84% of respondents experienced smartphone addiction, while 61.7% had a good level of learning concentration. Kendall’s tau-b test indicated a significant relationship between smartphone addiction and learning concentration (p-value = 0.000; r = 0.243), showing a weak association. Higher levels of smartphone addiction were linked to decreased learning concentration. Therefore, active involvement from schools and parents is needed to guide adolescents in managing stress and boredom positively.

Adolescence is a crucial transition phase from childhood to adulthood, characterized by significant development of the reproductive system and psychosocial changes. In this phase, adolescents are prone to deviant behavior, including premarital sexual behavior, especially if environmental factors and self-control are not properly managed. This study aims to identify the picture of premarital sexual behavior in adolescents through a case study at Pattimura High School Jakarta. The research method uses a quantitative approach with random sampling techniques based on Lemenshow calculations. Data analysis was carried out descriptively to obtain an overview of respondents' behavior. The results showed that there were 22 students (32.35%) who had risky premarital sexual behavior. These findings indicate an urgent need for comprehensive interventions. Preventive efforts can be carried out through reproductive health education, strengthening moral values, and improving communication between parents and children. Meanwhile, repressive efforts are needed to enforce school rules and provide educational sanctions. This research emphasizes the importance of collaboration between schools, families, and communities in tackling adolescents' premarital sexual behavior, so as to minimize risks that have an impact on their physical, psychological, and social health.  

Drug stockouts in hospitals pose significant risks to service quality, patient safety, and operational efficiency. This study aimed to analyze how drug demand planning and procurement processes at Johar Baru Regional General Hospital contribute to stockout occurrences and to develop data-driven recommendations based on supply chain management principles. A qualitative descriptive design was employed using data triangulation. Data were collected through in-depth interviews with the Head of the Pharmacy Installation, procurement staff, and warehouse pharmacists, complemented by direct observation and analysis of 2024 planning and procurement documents. Thematic analysis was conducted with the support of NVivo software to identify patterns and relationships among key variables, including drug demand planning, procurement, and inventory management.Findings reveal that stockouts stem from interconnected weaknesses in planning accuracy, procurement coordination, and inventory control systems. Effective stock management depends not only on increasing supply but also on improving data quality, integrating inventory information systems with operational workflows, and enhancing cross-functional collaboration. Recommended strategies include implementing a minimum stock alert system integrated with the Hospital Management Information System (HMIS), strengthening standard operating procedures for stockout response and procurement confirmation, improving integration between HMIS, the National Formulary, and budgeting systems, and applying consumption based planning methods combined with ABC VEN analysis to optimize inventory control.

The Village-Owned Enterprise (BUMDesma) plays an important role in empowering the local community's economy. BUMDesma "Bumi Artha Mandiri LKD" in Kemujan Village runs a revolving loan program to meet the capital needs of the community, particularly for micro-business actors. This study aims to describe the structure, procedures, and performance of the accounting system applied to the program, as well as to identify obstacles and efforts for improvement. The research method used is qualitative descriptive with data collection through direct observation, interviews with BUMDesma managers and borrower members, and financial document analysis. The results show that the running accounting system includes modules for member registration, lending, payments, and financial reports with recording procedures in accordance with basic accounting principles. The advantages of this system include high transparency and adequate risk control, but it still faces challenges such as limited technology, management capacity, and availability of accurate data. Planned improvements include the adoption of information technology, continuous training, and enhanced cooperation with the community. The study concludes that the existing accounting system has made a positive contribution, but it needs to be strengthened to support the sustainability of the revolving loan program and the economic empowerment of the village.

One of the risk impacts of blasting activities is flyrock. The impact of flyrock can be minimized by evaluate the factors that influence flyrock such as blasting geometry. Flyrock cannot be completely eliminated but flyrock distance can be reduced to prevent damage. This study aims to determine the actual maximum flyrock distance in the field and the factors that influence the flyrock distance. This study was conducted at PT. Sims Jaya Kaltim, Paser Regency, East Kalimantan Province. This research was conducted 31 times and the average throwing distance was 79.8 meters, the actual maximum flyrock throwing distance was 134.3 meters and the minimum throw was 40.5 meters. In the flyrock throw prediction, the Richard & Moore calculation method was used with a face burst mechanism of 121.3 meters and cratering of 232.2 meters and the Ebrahim Ghasemi dimensional analysis method of 104.5 meters. From both methods, the Ebrahim Ghasemi method was found to be closest to the actual flyrock with a standard deviation of 29.49 meters and an error percentage of 2.90%. From the results of the correlation between the blasting parameters and the actual flyrock, it was found that the factors that influence the occurrence of flyrock are powder factors, so an analysis was carried out to obtain a maximum flyrock throwing distance of 90 meters so that the safe radius of the tool is 180 meters, then the maximum powder factor used is 0.14 kg/m3.

This study aims to determine the abillity of students’ conceptual understanding of mixed fractions after the application of the PhET Colorado application in class VII of Muhammadiyah Pagar Alam Middle School in the 2025/2026 Academic Year. The subjects in this study were class VII.2 with 30 students with an average of 77. This study uses a pre-ekperimental design method one group pretest-posttest. Data collection techniques used in this study include tests and documentation data analysis techniques are stages carried out after all research data is collected. Through the PhET Colorado application, the percentage per indicator was obtained, the indicator restating the concept with an achievement of 63,50%, the indicator mathematical representation with an achievement of 74,78%, the indicator problem solving with an achievement of 95,00%, therefore the average reached 77,78%. So it can be in mixed fractions material on the ability of students’ conceptual understanding in class VII of Muhammadiyah Pagar Alam Middle School in the 2025/2026 Academic Year.

Background: Malaria transmission in Indonesia exhibits substantial spatial and temporal heterogeneity, particularly between stable endemic areas and remote outbreak-prone areas. Although routine surveillance is crucial for malaria control and elimination efforts, its limitations can obscure early warning signals, particularly in geographically isolated areas. Objective: This study aimed to analyze malaria epidemiology by integrating routine surveillance data from endemic primary health care settings with results from high-mortality outbreak investigations in remote highland districts in Indonesia, focusing on temporal trends, spatial clustering, Plasmodium species patterns, diagnostic gaps, and mortality. Methods: A mixed epidemiology approach was used. A retrospective longitudinal analysis of routine malaria surveillance data was conducted for the period 2023–2025 in endemic settings, while a cross-sectoral outbreak investigation was conducted in remote highland districts. Descriptive analyses were conducted to assess trends, demographic characteristics, species distribution, spatial heterogeneity, case detection methods, and outbreak-related mortality. Results: Routine surveillance data revealed fluctuations in malaria transmission, with a significant decline in cases in 2024 followed by a sharp increase in 2025. Conversely, outbreak investigations documented high case fatality rates, particularly affecting children and older adults, caused by delayed diagnosis, limited diagnostic capacity, and limited access to timely treatment. Conclusions: These results highlight the dynamic and context-dependent nature of malaria epidemiology in Indonesia. Integrating routine surveillance with outbreak investigations provides a comprehensive understanding of endemic trends and systemic vulnerabilities. Strengthening adaptive surveillance, improving diagnostic capacity, and implementing spatially targeted interventions are crucial for preventing outbreaks and reducing malaria-related mortality, particularly in remote and high-risk areas.

This study uses an integrated analysis of positive law and Islamic law at Polres Bungo to investigate the reconstruction of sanctions for juvenile offenders during the investigation stage. Empirical trends suggest a procedural and administrative orientation that may restrict substantive rehabilitation, even though Undang-Undang Nomor 11 Tahun 2012 tentang Sistem Peradilan Pidana Anak (Juvenile Criminal Justice System Act) formally adopts restorative justice, diversion, and the best interests of the child as guiding principles. Using a multidisciplinary approach that integrates statutory, theological-normative (shar‘i), and historical considerations, this study uses a normative qualitative design based on library research. The theoretical framework incorporates maqāṣid al-sharīʿah as a normative evaluation instrument, legal effectiveness theory, and punishment theories. The findings reveal a conceptual convergence between Indonesian positive law and Islamic criminal jurisprudence in differentiating criminal responsibility based on maturity and prioritizing rehabilitation over retribution. There are still differences, nevertheless, when it comes to age criteria and the classification of sanctions: Islamic law places more emphasis on moral and biological maturity (baligh and tamyīz), whereas positive law focuses on strict legislative boundaries. The predominance of formal legality over psychosocial assessment at the investigative level runs the risk of undermining rehabilitative goals. In order to maintain proportionality and child protection, this study suggests a reconstructive paradigm that operationalizes maqāṣid-based principles, combines thorough psychological evaluation, and improves diversion measures. In addition to realistically advancing the creation of a more equitable, rehabilitative, and child-centered investigative framework, the research theoretically advances the conversation about harmonizing state and Islamic law.

The police institution is a law enforcement agency whose operational effectiveness heavily depends on the management of human resources to support organizational development and sustainability. The Directorate of Special Criminal Investigation (Ditreskrimsus) holds a strategic role in handling specialized and complex crimes. Its duties involve addressing various forms of criminal activity with high levels of risk and uncertainty. Such risks are often unpredictable and may arise suddenly. Continuous readiness and sustained vigilance in diverse situations can serve as significant sources of work-related stress. One strategy to mitigate work stress is by enhancing Quality of Work Life (QWL). This study aims to examine the relationship between QWL and work stress among members of the Ditreskrimsus of Polda Jambi. A quantitative approach with a correlational research design was employed, involving 115 members selected through purposive sampling. Data were collected online using questionnaires consisting of a QWL scale and a Work Stress scale. Correlation analysis conducted using SPSS indicated that the majority of respondents were in the moderate category. The findings revealed a significant negative relationship between QWL and Work Stress, with a correlation coefficient of r = -0.549 and a significance level of p < 0.001. These results underscore the importance of continuously improving various aspects of QWL as an effective strategy to prevent and reduce work-related stress.

The development of digital technology and the widespread use of social media, particularly Instagram and TikTok, have opened opportunities for online interaction but also increased the risk of cyberbullying. Cyberbullying is aggressive behavior via digital media intended to harm or degrade others. One psychological factor believed to influence this behavior is emotional regulation, which is the ability to manage and express emotions appropriately in different situations. This study aims to examine the relationship between emotional regulation and cyberbullying behavior among early adult students in Jambi. A quantitative approach with a correlational design was used, involving 127 students aged 18–25 years, selected through purposive sampling. Data were collected using an online questionnaire, which included an emotional regulation scale and a cyberbullying behavior scale. Data analysis was conducted using the Pearson Product Moment correlation test with SPSS software. The results showed a significant negative relationship between emotional regulation and cyberbullying behavior, with a correlation coefficient of r = -0.632 and a significance level of p < 0.001. This indicates that students with better emotional regulation skills are less likely to engage in cyberbullying. Thus, enhancing emotional regulation skills could be an effective strategy in preventing cyberbullying among students.

Background: Contraception is an effective method for controlling fertility and reducing the risk of unintended pregnancies. However, the utilization of long-term contraceptive methods remains relatively low. Several factors such as education level, parity, and age are believed to influence women’s decisions in choosing Contraception. Objective: This study aimed to analyze the influence of education, parity, and age on the use of Contraception. Methods: This study employed an analytical observational design with a cross-sectional approach. The sample consisted of 30 women of reproductive age selected using a total sampling technique. Data were collected through structured questionnaires and analyzed using the Chi-square test to determine the association between education, parity, age, and the use of Contraception. Results: The results showed a significant relationship between education level, parity, and age with the use of Contraception. Statistical analysis using the Chi-square test obtained a p-value of 0.003 (p < 0.05), indicating that education, parity, and age significantly influenced the use of long-term contraceptive methods. Conclusion: Education level, parity, and age have a significant influence on the use of Contraception. Improving health education and counseling regarding long-term contraceptive methods is essential to increase their utilization among women of reproductive age.