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The aim of this research is to develop a product in the form of story-based teaching materials for the subjects of Christian Religious Education and Character Education for class III elementary school and to determine the suitability of the teaching materials developed. The method used is research and development (Research and Development) with the ADDIE model (Analysis, Design, Development, Implementation and Evaluation). The data obtained was analyzed descriptively qualitatively and descriptively quantitatively. Based on the results of research at the analysis stage, the overall average result of the 11 PAK teachers' answers was 3.60, which stated that the score was in the "Very High" category, meaning that the PAK class III elementary school teachers strongly agreed with using story-based teaching materials as learning material in Aku. Can Love Others. At the design stage, the product is designed including designing story-based teaching materials, determining the materials and reviewing subjects according to the curriculum. The development stage contains activities to design and assess the product. The suitability of teaching materials based on story material from the research results is "Very Good" used for learning for third grade elementary school students with the results of assessing the suitability of the material with an indicator of 88%, the suitability of the material with the learning objectives is 92%, the message/message is conveyed well and does not deviate from the theme 96%, suitability of story content with the theme of story-based teaching materials 92%, and material packaging in story-based teaching materials applied in daily life 84% showing the criteria "Very Good". Then in the implementation stage, teacher response assessment data shows that story-based teaching materials have met the criteria well as Christian Religious Education learning materials for third grade elementary school students with a score percentage of 72% in the "Good" category. The evaluation of student learning outcomes according to the RPP which was carried out showed that the effectiveness of story-based teaching materials had met the requirements, namely that out of 25 students at SD Negeri 173140 Pagar Batu, it was known that 88% of students obtained learning outcomes > 75, namely 22 students had met the minimum completeness criteria (KKM) score. , b) spiritual evaluation is known to have achieved 81.6% and is in the Good category, c) social evaluation achieved 81.4% and is in the Good category. The evaluation stage is carried out by improving the product using criticism and suggestions from validators and educators who have assessed the material story material-based teaching to provide feedback on the development of subsequent story material-based teaching materials.

This study aims to determine how much influence the Project Based Learning (PjBL) model has on the learning creativity of Christian Religious Education and Budi Pekerti class XI students of SMK Negeri 1 Laguboti Toba Regency for the 2023/2024 Learning Year, with the research hypothesis that there is a positive and significant influence of the Project Based Learning (PjBL) model on the learning creativity of Christian Religious Education and Budi Pekerti class XI students of SMK Negeri 1 Laguboti Toba Regency for the 2023/2024 Learning Year. The method used is an inferehential quantitative method with a population of all class XI students of SMK Negeri 1 Laguboti Toba Regency totaling 151 people with a sample of 60 people. Data were collected with a closed questionnaire of 30 items prepared by the author based on variable indicators according to expert theory. The questionnaire test was conducted on 40 students outside the research sample using 30 questionnaire items and after being tested the results of the validity of the questionnaire test were known to the value of rcount> table = 0.364-0.689> 0.312 and the reliability of the questionnaire test which was at a value of 0.866. has been tested for validity and reliability. The results of data analysis show that there is a positive and significant influence between the Project Based Learning (PjBL) model on the learning creativity of Christian Religious Education and Budi Pekerti class XI students of SMK Negeri 1 Laguboti Toba Regency Learning Year 2023/2024 with a coefficient of determination of 28.52% and a significant test of influence obtained Fcount>Ftabel of 24.649>4.00, meaning that H0 is rejected and Ha is accepted. This study suggests that in order for the Learning Creativity of Christian Religious Education and Budi Pekerti Class XI Students of SMK Negeri 1 Laguboti Toba Regency in a good class, the Project Based Learning (PjBL) Model by PAK teachers is implemented properly.

The aim of this research is to increase student learning motivation through the application of the Discovery Learning model assisted by audio-visual media on material about the human digestive system at SMP Plus Darus Sholah. This type of research is classroom action research. The research subjects were 21 students in class VIII H of SMP Plus Darus Sholah. The data analysis technique uses quantitative descriptive statistics to analyze questionnaire data. The research results show that the application of the Discovery Learning learning model through the stages of stimulation, problem formulation, data collection, data analysis, verification and generalization can increase students' learning motivation. Apart from that, increasing learning motivation can also improve student learning outcomes.

This study aims to determine how much influence the Project Based Learning (PjBL) model has on the learning creativity of Christian Religious Education and Budi Pekerti class XI students of SMK Negeri 1 Laguboti Toba Regency for the 2023/2024 Learning Year, with the research hypothesis that there is a positive and significant influence of the Project Based Learning (PjBL) model on the learning creativity of Christian Religious Education and Budi Pekerti class XI students of SMK Negeri 1 Laguboti Toba Regency for the 2023/2024 Learning Year. The method used is an inferehential quantitative method with a population of all class XI students of SMK Negeri 1 Laguboti Toba Regency totaling 151 people with a sample of 60 people. Data were collected with a closed questionnaire of 30 items prepared by the author based on variable indicators according to expert theory. The questionnaire test was conducted on 40 students outside the research sample using 30 questionnaire items and after being tested the results of the validity of the questionnaire test were known to the value of rcount> table = 0.364-0.689> 0.312 and the reliability of the questionnaire test which was at a value of 0.866. has been tested for validity and reliability. The results of data analysis show that there is a positive and significant influence between the Project Based Learning (PjBL) model on the learning creativity of Christian Religious Education and Budi Pekerti class XI students of SMK Negeri 1 Laguboti Toba Regency Learning Year 2023/2024 with a coefficient of determination of 28.52% and a significant test of influence obtained Fcount>Ftabel of 24.649>4.00, meaning that H0 is rejected and Ha is accepted. This study suggests that in order for the Learning Creativity of Christian Religious Education and Budi Pekerti Class XI Students of SMK Negeri 1 Laguboti Toba Regency in a good class, the Project Based Learning (PjBL) Model by PAK teachers is implemented properly.

This study aims to determine the cooperative learning model of the Learning Cycle type on the ability to write persuasive texts in class VIII students of SMP Negeri 8 Medan in the 2022/2023 Academic Year. The population in this study were all Grade VIII students of SMP Negeri 8 Medan for the 2022/2023 academic year with a total of 304 students. Of the 304 students, the sample size was 30 students. The research method used in this research is the one-group pre-test post-test design experimental method. The instrument used in this study is a description test. Hypothesis testing was carried out using the data "t" test and it was found that the ability to write persuasive texts of students before using the Learning Cycle learning model was included in the sufficient category with an average value (mean) of 53.83, while the ability to write persuasive texts of students after using the model Learning Cycle learning increased with an average value (mean) of 81.16. Furthermore, the hypothesis test shows that tcount > ttable, which is equal to 13.14 > 2.045, it is concluded that the null hypothesis (H0) is rejected and the alternative hypothesis (Ha) is accepted. This shows that there is an effect of the Learning Cycle learning model on the ability to write persuasive texts in class VIII students of SMP Negeri 8 Medan in the 2022/2023 academic year.

The aim of this research is to determine the positive and significant influence of the Problem Based Learning Model on the Learning Motivation of Christian Religious Education in Class IX Students of SMP N 1 Salak, Pakpak Bharat Regency, Academic Year 2023-2024. The research method used is a quantitative research method and a pre-experimental design research type in the form of "One Shot Case Study". The population was all class IX students of SMP N 1 Salak, totaling 146 people and a sample of 32 people was determined using the Purposive Sample technique. Data was collected using a positive closed questionnaire with 17 items and 17 items of observation sheet for variable Y. The results of data analysis showed that there was a positive and significant influence of the Problem Based Learning Model on the Motivation to Learn Christian Religious Education in Class IX of SMP N 1 Salak, Pakpak Bharat Regency, Year Teachings 2023-2024: 1) Test analysis requirements: a) positive relationship test obtained rxy = 0.547 > rtable(a=0.05,n=32) = 0.349. b) Testing a significant relationship obtained tcount= 3.576 > ttable(a=0.05, dk=n-2=30)= 2.042. 2) Influence test: a) Regression equation test, obtained the regression equation Y ̂=24.26+0.57X. b) Regression coefficient of determination test (r2) = 29.9%. 3) Test the hypothesis using the F test to obtain Fcount > Ftable=(a=0.05, dk numerator k=14, dk denominator=n-2=32-2=30) namely 12.78 > 2.01. Thus Ha is accepted and H0 is rejected.

The aim of this research is to determine the positive and significant influence of the Problem Based Learning Model on the Learning Motivation of Christian Religious Education in Class IX Students of SMP N 1 Salak, Pakpak Bharat Regency, Academic Year 2023-2024. The research method used is a quantitative research method and a pre-experimental design research type in the form of "One Shot Case Study". The population was all class IX students of SMP N 1 Salak, totaling 146 people and a sample of 32 people was determined using the Purposive Sample technique. Data was collected using a positive closed questionnaire with 17 items and 17 items of observation sheet for variable Y. The results of data analysis showed that there was a positive and significant influence of the Problem Based Learning Model on the Motivation to Learn Christian Religious Education in Class IX of SMP N 1 Salak, Pakpak Bharat Regency, Year Teachings 2023-2024: 1) Test analysis requirements: a) positive relationship test obtained rxy = 0.547 > rtable(a=0.05,n=32) = 0.349. b) Testing a significant relationship obtained tcount= 3.576 > ttable(a=0.05, dk=n-2=30)= 2.042. 2) Influence test: a) Regression equation test, obtained the regression equation Y ̂=24.26+0.57X. b) Regression coefficient of determination test (r2) = 29.9%. 3) Test the hypothesis using the F test to obtain Fcount > Ftable=(a=0.05, dk numerator k=14, dk denominator=n-2=32-2=30) namely 12.78 > 2.01. Thus Ha is accepted and H0 is rejected.

This research aims to determine the application of the modeling the way learning model to increase student activity in Islamic Religious Education subjects regarding ablution and prayer in class V of SD Negeri 1001 Batang Bulu. The research used is classroom action research (PTK). Based on the research results, it can be concluded that: (1) Student activity before implementing the modeling the way learning model is still low. This can be seen from the results of observations that have been made. If we look at the level of activity, there are 5 students or 19% who have activity in the "Good" category and there are 21 students or 81% who have activity in the "Not Good" category. (2) Student activity after implementing the modeling the way model began to increase. In cycle I, if we look at the level of activity, there were 12 students or 46% who were active in the "Good" category and there were 14 students or 54% who were active in the "Not Good" category. In cycle II, if seen from the level of activity, there were 2 students or 8% who had activity in the "Very Good" category, there were 20 students or 77% who had activity in the "Good" category and there were 4 students or 15% who had activity in the "Good" category. "Not good.

The aim of this research is to determine the improvement in student learning outcomes in the science subject light and its properties in class V of SD Negeri 0117 Sibuhuan through the application of the predict observe explain (POE) learning model. The methodology used is Classroom Action Research (PTK) which consists of 2 cycles, each cycle consisting of planning, implementation, observation and reflection. Based on the results of the research carried out by the author, it can be concluded that the increase in student learning outcomes in science subjects is light and nature. -class V of SD Negeri 0117 Sibuhuan through the application of the predict observe explain learning model (pre-cycle POE is still low, namely students who scored above the KKM 70, there were 7 students with a percentage of 25.00% and 21 students scored below the KKM with a percentage of 75, 00%. In cycle I it has started to increase, namely there are 17 students who got a score above the KKM 70 with a percentage of 60.71% and 11 students got a score below the KKM with a percentage of 39.29%. In the second cycle it has increased, namely there are 26 students who got a score above the KKM 70 with a percentage of 92.86% and 2 students got a score below the KKM with a percentage of 7.14%. So it can be concluded that by implementing the Predict Observe Explain (POE) learning model in the science subject light and its properties in Class V of SD Negeri 0117 Sibuhuan, student learning outcomes can be improved

The research aims to determine the influence of the Team Games Tournament (TGT) learning model on interest in studying Christian Religious Education and Characteristics of class IV students at SD Negeri 3 Pasar Pangururan for the 2023/2024 academic year. The research hypothesis is that there is a positive influence between the Team Games Tournament (TGT) learning model on interest in studying Christian Religious Education and Characteristics of class IV students at SD Negeri 3 Pasar Pangururan for the 2023/2024 academic year Quantitative and descriptive research methods. The population of all class IV students at SD Negeri 3 Pasar Pangururan for the 2023/2024 academic year who are Protestant Christians is 60 people. This research is population research. The research instrument is a closed questionnaire. The results of data analysis obtained: a) The value of rcount=0.583>rtable=0.254 shows that there is a positive influence between the Team Games Tournament (TGT) learning model and students' interest in learning Christian Religious Education and Character. b) Regression equation. c) The determination test revealed that the magnitude of the effect was 33.99%. d) Hypothesis testing obtained Fcount=29.896>Ftable=3.15 so H0 is rejected and Ha is accepted. The research concluded that there was a positive influence between the Team Games Tournament (TGT) learning model on interest in studying Christian Religious Education and Characteristics of class IV students at SD Negeri 3 Pasar Pangururan for the 2023/2024 Academic Year.

The research aims to determine the influence of the Team Games Tournament (TGT) learning model on interest in studying Christian Religious Education and Characteristics of class IV students at SD Negeri 3 Pasar Pangururan for the 2023/2024 academic year. The research hypothesis is that there is a positive influence between the Team Games Tournament (TGT) learning model on interest in studying Christian Religious Education and Characteristics of class IV students at SD Negeri 3 Pasar Pangururan for the 2023/2024 academic year Quantitative and descriptive research methods. The population of all class IV students at SD Negeri 3 Pasar Pangururan for the 2023/2024 academic year who are Protestant Christians is 60 people. This research is population research. The research instrument is a closed questionnaire. The results of data analysis obtained: a) The value of rcount=0.583>rtable=0.254 shows that there is a positive influence between the Team Games Tournament (TGT) learning model and students' interest in learning Christian Religious Education and Character. b) Regression equation. c) The determination test revealed that the magnitude of the effect was 33.99%. d) Hypothesis testing obtained Fcount=29.896>Ftable=3.15 so H0 is rejected and Ha is accepted. The research concluded that there was a positive influence between the Team Games Tournament (TGT) learning model on interest in studying Christian Religious Education and Characteristics of class IV students at SD Negeri 3 Pasar Pangururan for the 2023/2024 Academic Year.

The research aims to determine the influence of the Student Team Achievement Division (STAD) learning model on the learning motivation for Christian Religious Education and Character Education of class V students at SD Negeri 3 Pasar Pangururan for the 2023/2024 Academic Year. The research hypothesis is that there is a positive influence between the Student Team Achievement Division (STAD) learning model on the learning motivation for Christian Religious Education and Characteristics of class V students at SD Negeri 3 Pasar Pangururan for the 2023/2024 academic year. Quantitative and descriptive research methods. The population of all class V students at SD Negeri 3 Pasar Pangururan for the 2023/2024 academic year who are Protestant Christians is 62 people. This research is population research. The research instrument is a closed number. The results of data analysis obtained: a) The value of rcount=0.561>rtable=0.254 shows that there is a positive influence between the Student Team Achievement Division (STAD) learning model and students' motivation to learn Christian Religious Education and Character. b) Regression equation. c) The determination test shows that the magnitude of the effect is 31.47%. d) Hypothesis testing obtained Fcount=26.756>Ftable=3.15 so H0 is rejected and Ha is accepted. The research concludes that there is a positive influence between the Student Team Achievement Division (STAD) learning model on the learning motivation for Christian Religious Education and Character Education of class V students at SD Negeri 3 Pasar Pangururan for the 2023/2024 Academic Year  

This study aims to determine the level of tendency of the Probing Prompting Model and the level of tendency of PAK Learning Activity of grade XI students of SMK Negeri 1 Laguboti in the 2023/2024 academic year, as well as to determine the existence of a positive and significant influence between the Probing Prompting Model on the Learning Activity of Christian Religious Education and Budi Pekerti of grade XI students of SMK N 1 Laguboti in the 2023/2024 academic year The hypothesis of this study is: There is a positive and significant effect of the Probing Prompting Model on the Learning Activity of Christian Religious Education and Ethics of grade XI students of SMK Negeri 1 Laguboti in the 2023/2024 Learning Year. This type of research is an inferential descriptive quantitative method. The population in this study were all XI students of SMK Negeri 1 Laguboti in the 2023/2024 Learning Year who were Protestant Christians totaling 198 people and the sample was taken 25% of 196 people, totaling 48 people. The instrument of this research is a closed questionnaire. The result of a simple linear equation is Y = 36.9 + 0.608x. The t test results show the value of tcount = 2.753 and ttable = 1.679, so it can be obtained tcount = 2.753> ttable = 1.679. Furthermore, data analysis for hypothesis testing with the f test obtained the value of Fhitung> Ftabel (5.94> 3.20) so it can be concluded that the hypothesis is accepted and based on the results of the coefficient of determination obtained the magnitude of the influence of the Probing Prompting model on the activeness of learning Christian Religious Education and Budi Pekerti Class XI students of SMK Negeri 1 Laguboti School Year 2023/2024 is 14.13% and another 85.87% is obtained from other inherent factors that are not examined in this study.

This study aims to determine the level of tendency of the Probing Prompting Model and the level of tendency of PAK Learning Activity of grade XI students of SMK Negeri 1 Laguboti in the 2023/2024 academic year, as well as to determine the existence of a positive and significant influence between the Probing Prompting Model on the Learning Activity of Christian Religious Education and Budi Pekerti of grade XI students of SMK N 1 Laguboti in the 2023/2024 academic year The hypothesis of this study is: There is a positive and significant effect of the Probing Prompting Model on the Learning Activity of Christian Religious Education and Ethics of grade XI students of SMK Negeri 1 Laguboti in the 2023/2024 Learning Year. This type of research is an inferential descriptive quantitative method. The population in this study were all XI students of SMK Negeri 1 Laguboti in the 2023/2024 Learning Year who were Protestant Christians totaling 198 people and the sample was taken 25% of 196 people, totaling 48 people. The instrument of this research is a closed questionnaire. The result of a simple linear equation is Y = 36.9 + 0.608x. The t test results show the value of tcount = 2.753 and ttable = 1.679, so it can be obtained tcount = 2.753> ttable = 1.679. Furthermore, data analysis for hypothesis testing with the f test obtained the value of Fhitung> Ftabel (5.94> 3.20) so it can be concluded that the hypothesis is accepted and based on the results of the coefficient of determination obtained the magnitude of the influence of the Probing Prompting model on the activeness of learning Christian Religious Education and Budi Pekerti Class XI students of SMK Negeri 1 Laguboti School Year 2023/2024 is 14.13% and another 85.87% is obtained from other inherent factors that are not examined in this study.

The research aims to determine the influence of the Student Team Achievement Division (STAD) learning model on the learning motivation for Christian Religious Education and Character Education of class V students at SD Negeri 3 Pasar Pangururan for the 2023/2024 Academic Year. The research hypothesis is that there is a positive influence between the Student Team Achievement Division (STAD) learning model on the learning motivation for Christian Religious Education and Characteristics of class V students at SD Negeri 3 Pasar Pangururan for the 2023/2024 academic year. Quantitative and descriptive research methods. The population of all class V students at SD Negeri 3 Pasar Pangururan for the 2023/2024 academic year who are Protestant Christians is 62 people. This research is population research. The research instrument is a closed number. The results of data analysis obtained: a) The value of rcount=0.561>rtable=0.254 shows that there is a positive influence between the Student Team Achievement Division (STAD) learning model and students' motivation to learn Christian Religious Education and Character. b) Regression equation. c) The determination test shows that the magnitude of the effect is 31.47%. d) Hypothesis testing obtained Fcount=26.756>Ftable=3.15 so H0 is rejected and Ha is accepted. The research concludes that there is a positive influence between the Student Team Achievement Division (STAD) learning model on the learning motivation for Christian Religious Education and Character Education of class V students at SD Negeri 3 Pasar Pangururan for the 2023/2024 Academic Year  

The The background of this research is that the learning process is still centered on the teacher (teacher center) which makes the teaching and learning process passive and also the teacher only uses conventional models.  This will have an impact on student learning motivation to be low.  Given the importance of setting strategies and variations in classroom learning will have implications for student learning motivation, therefore researchers are interested in using the Teams Games Tournament type cooperative learning model to measure how much influence the Teams Games Tournament learning model has on student learning motivation.  This study aims to determine the magnitude of the influence of the Teams Games Tournament (TGT) model on student learning motivation in learning the moral creed of class VIII MTs Gantung Ciri. The type of research used is a quasi experiment with a posttest-only research design with non-equivalent groups.  The sampling technique uses non-probability sampling or is called saturated sampling.  Saturated sampling is a sampling technique when all members of the population are used as samples.  Class VIII-1 as an experimental class with 22 students.  Class VIII-2 as the control class with 21 students.  The data analysis technique was carried out by carrying out a normality test with the Shapiro-Wilk formula, homogeneity test and then testing the hypothesis with an independent t-test.  All tests were performed using the SPSS 22 application. The results of the study obtained from the research data that the average results of the experimental class learning motivation questionnaire = 63.09 and the control class = 59.71. It can be concluded that the average results of the experimental class questionnaire are higher than the average results of the control class questionnaire and the results of the hypothesis  which was carried out with the t-test obtained the number 0.043 <0.05 then Ho was rejected and Ha was accepted.

The aim of this research is to determine the positive and significant influence of the Mastery Learning learning model on interest in studying Christian Religious Education and Characteristics of Class XII Students at SMA Negeri 1 Pahae Julu, North Tapanuli Regency for the 2023/2024 Academic Year. The research method is quantitative descriptive inferential. The population is all class Data was collected using a positive closed questionnaire with 40 items. The results of data analysis show that there is a positive and significant influence of the Mastery Learning learning model on interest in studying Christian Religious Education and Characteristics of Class the positive value obtained is rxy = 0.594 > rtable(a=0.05,n=36) = 0.329. b) Testing a significant relationship obtained a value of tcount= 4.307 > ttable(a=0.05, dk=n-2=34)= 1.691. 2) Test the effect: a) Test the regression equation, obtained the regression equation Y ̂="14","69"+0.81X. b) Regression coefficient of determination test (r2) = 35.3%. Thus Ha is accepted and H0 is rejected.

The purpose of this study was to determine whether there is a positive and significant effect of the cooperative learning model of Student Teams Achievement Division (STAD) Type on the Activeness of PAK Learning of XI class students of PGRI Siborongborong Private High School in the 2022/2023 Learning Year. The research method used is quantitative method with inferential descriptive data analysis. The population is all grade XI students of PGRI 20 Siborongborong High School in the 2022/2023 learning year who are Protestant Christians as many as 245 people and a sample of 49 people was determined using random sampling technique. Data were collected using a positive closed questionnaire as many as 40 items, namely 20 items for variable X and 20 items for variable Y. The results of data analysis show that there is a positive and significant effect of the cooperative learning model of Student Teams Achievement Division (STAD) Type on PAK Learning Activity of XI grade students of PGRI Siborongborong Private Senior High School in the 2022/2023 Learning Year: 1) Analysis requirements test: a) positive relationship test obtained rxy value = 0.553> rtable (a=0.05, n=49) = 0.281. b) Significant relationship test obtained tcount = 4.555> ttable (a=0.05, dk=n-2=47) = 2.021. 2) Effect test: a) Regression equation test, obtained regression equation Y = 20.73 + 0.71X. b) Regression determination coefficient test (r2) = 30.6%. 3) Hypothesis testing using the F test obtained Fhitung> Ftabel = (a=0.05, dk numerator k = 19, dk denominator = n-2 = 49-2 = 47), namely 20.74> 1.51. Thus Ha is accepted and H0 is rejected.

The purpose of this study was to determine whether there is a positive and significant effect of the cooperative learning model of Student Teams Achievement Division (STAD) Type on the Activeness of PAK Learning of XI class students of PGRI Siborongborong Private High School in the 2022/2023 Learning Year. The research method used is quantitative method with inferential descriptive data analysis. The population is all grade XI students of PGRI 20 Siborongborong High School in the 2022/2023 learning year who are Protestant Christians as many as 245 people and a sample of 49 people was determined using random sampling technique. Data were collected using a positive closed questionnaire as many as 40 items, namely 20 items for variable X and 20 items for variable Y. The results of data analysis show that there is a positive and significant effect of the cooperative learning model of Student Teams Achievement Division (STAD) Type on PAK Learning Activity of XI grade students of PGRI Siborongborong Private Senior High School in the 2022/2023 Learning Year: 1) Analysis requirements test: a) positive relationship test obtained rxy value = 0.553> rtable (a=0.05, n=49) = 0.281. b) Significant relationship test obtained tcount = 4.555> ttable (a=0.05, dk=n-2=47) = 2.021. 2) Effect test: a) Regression equation test, obtained regression equation Y = 20.73 + 0.71X. b) Regression determination coefficient test (r2) = 30.6%. 3) Hypothesis testing using the F test obtained Fhitung> Ftabel = (a=0.05, dk numerator k = 19, dk denominator = n-2 = 49-2 = 47), namely 20.74> 1.51. Thus Ha is accepted and H0 is rejected.

The advent of the Internet as an effective means for resource sharing has consequently, led to proliferation of adversaries, with unauthorized access to network resources. Adversaries achieved fraudulent activities via carefully crafted attacks of large magnitude targeted at personal gains and rewards. With the cost of over $1.3Trillion lost globally to financial crimes and the rise in such fraudulent activities vis the use of credit-cards, financial institutions and major stakeholders must begin to explore and exploit better and improved means to secure client data and funds. Banks and financial services must harness the creative mode rendered by machine learning schemes to help effectively manage such fraud attacks and threats. We propose HyGAMoNNE – a hybrid modular genetic algorithm trained neural network ensemble to detect fraud activities. The hybrid, equipped with knowledge to altruistically detect fraud on credit card transactions. Results show that the hybrid effectively differentiates, the benign class attacks/threats from genuine credit card transaction(s) with model accuracy of 92%.