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Rapid adoption of cashless payments has reshaped everyday spending, especially among young consumers. While e-wallets deliver speed and convenience, constant exposure to discounts, cashbacks, and one-click checkouts may also foster more frequent discretionary purchases. This study examines the relationship between e-wallet usage intensity and consumptive lifestyle, focusing on how convenience and promotional stimuli relate to spending tendencies. Using a cross-sectional online survey of students and early-career workers, we collected self-reports on payment habits and consumption patterns with validated Likert-type instruments. Data were screened and analyzed with correlation and linear regression after basic assumption checks. The results indicate a positive and statistically meaningful association between e-wallet usage and consumptive lifestyle; respondents who transact more often via e-wallets tend to report stronger preferences for instant gratification, hedonic purchases, and impulse buying. Convenience features (e.g., stored cards, fast checkout) and promotional exposure (e.g., limited-time deals) emerged as salient correlates of the relationship. The findings add contextual evidence from Indonesia’s digital economy and suggest practical implications for users, platforms, and educators. Financial-wellbeing interventions such as digital budgeting tips, in-app nudges, spend limits, or post-purchase reflections may help align seamless payments with healthier consumption decisions. Future work can test causal mechanisms and evaluate design features that encourage prudent, goal-consistent spending without diminishing user experience.

The development of digital banks and the operational losses still experienced by PT Bank Aladin Syariah Tbk necessitate a financial health analysis to assess the potential for financial distress. This study aims to assess the potential bankruptcy level of Bank Aladin for the period 2021–2024 using the Modified Altman Z-Score model. The research method is descriptive quantitative with secondary data from annual financial reports and OJK publications, which are analyzed through four main ratios, namely working capital, retained earnings, earnings before taxes, and equity value to total debt. The results show that the Z-Score values are well above the safety threshold, with the highest value of 17.764 in 2021 and the lowest of 9.422 in 2022, mainly driven by high liquidity and equity strength. Thus, it can be concluded that PT Bank Aladin Syariah Tbk is in the Safe Zone category and does not show any potential for bankruptcy during the research period, although an increase in profitability is still needed.

This study analyzes the synergy between human resource development (HRD), work culture, and decision-making systems in enhancing productivity and organizational performance. The approach used is a descriptive qualitative literature review, with sources from peer-reviewed articles from 2021-2025 obtained through databases such as Google Scholar and ScienceDirect. The research findings indicate that HRD can improve employee competence by up to 28.7%, while work culture contributes 41.4-55% to motivation and collaboration within teams. Decision-making systems, such as AHP (Analytical Hierarchy Process) and BI (Business Intelligence), play a role in optimizing operational efficiency by up to 65%. The synergy of these three elements forms a more adaptive organization to change. One example of the implementation of this synergy can be seen in PT X Jakarta, which experienced a 28% increase in output and employee satisfaction reached 85%. However, the main challenge faced is resistance to change, which can be overcome through effective communication. The practical implications of this study include recommendations for holistic organizational transformation, especially in Indonesia, to face the challenges of global disruption.

Measurement is a fundamental domain of mathematics that connects formal mathematical concepts with everyday experiences. Despite its practical relevance, students often experience persistent difficulties in understanding measurement conceptually, tending to approach it as a procedural activity rather than as a process of reasoning about quantities, units, and comparisons. These challenges indicate that learning measurement is influenced not only by individual cognitive factors but also by the social dynamics that shape classroom learning environments. This study aims to examine classroom social dynamics in learning measurement by providing empirical evidence from contextual learning situations. This study employed a qualitative research approach to explore how social interaction, scaffolding, and participation mediate students’ understanding of measurement in contextual learning environments. Data were collected through classroom observations, video recordings of learning activities, analysis of students’ written work, and interviews with selected students and the teacher. Contextual measurement tasks were designed to encourage collaboration, dialogue, and justification, enabling the examination of student–student and teacher–student interactions as they naturally occurred in the classroom. Data analysis was conducted iteratively to identify patterns of interaction, forms of scaffolding, and students’ learning progression within the Zone of Proximal Development. The findings reveal that students initially engaged with measurement tasks in a predominantly procedural manner, with limited conceptual understanding and minimal peer interaction. After the implementation of contextual learning situations, classroom social dynamics changed substantially. Students became more actively involved in discussion, collaborative problem-solving, and collective meaning-making. Peer interaction supported the articulation and refinement of students’ reasoning, while teacher scaffolding guided learning by extending students’ thinking without providing direct solutions. These social processes facilitated students’ movement from their actual level of understanding toward higher levels of conceptual competence within the Zone of Proximal Development. The study further shows that contextual learning tasks alone are insufficient to promote meaningful understanding unless they are supported by productive social interaction and adaptive scaffolding. Conceptual understanding of measurement emerged through socially mediated processes rather than through task completion alone. This study contributes to mathematics education research by emphasizing the central role of classroom social dynamics in contextual learning and by offering insights into how interaction and scaffolding can be orchestrated to support students’ conceptual understanding of measurement.

This research aims to analyze the public's perception of career women's efforts in achieving work-life balance, as well as its impact on the dual role experience. The research focus includes the view of society, obstacles experienced by women, and the social implications of the dual role of women. The results of the study based on the questionnaire showed that 74,94% of the people had a positive perception of career women and judged that the balance of work and life can be achieved through time management and family support, while 25,06% had a neutral to negative perception that considered that career women were not optimal in carrying out domestic roles, thus causing social pressure and role conflicts. This perception contributes to stress levels, emotional fatigue, and difficulties in achieving work-life balance. This finding also reveals that education factors, working experience with women, family roles, and social environment affect the formation of perceptions. This research is expected to contribute in increasing public understanding and encouraging policies that support women's careers both in social and work.

This study aims to review the historical development of theology from the classical period to the contemporary period and its relationship with Islamic theological thought in the modern era. Theology plays an important role as a basis for understanding the creed and an intellectual response to the challenges of thought in every period of Islamic history. This study uses a qualitative approach with a literature study method on ten major scientific works that discuss the development of Islamic theology. Data were collected through document review and analyzed using descriptive-analytical techniques to trace the evolution of theological thought. The results show that theology of theology experienced three main phases of development: the classical period which emphasized rational defense of faith, the medieval period which combined reason and revelation in theological thought, and the modern period which focused on the issue of pluralism and contemporary socio-religious challenges. This study concludes that Islamic theology is a dynamic discipline and continues to adapt to the intellectual and social contexts of each era.

The development of e-commerce and social commerce has driven significant changes in student shopping behaviour, including at FEB UNDARIS. Ease of access, digital promotions, and the influence of social media have led students to shop online more frequently, even impulsively. This study aims to analyse how attitudes, subjective norms, and perceived behavioural control interact in shaping students' online shopping behaviour using the Theory of Planned Behaviour (TPB) framework. This study uses a descriptive qualitative method with in-depth interviews with ten students who actively shop online. The data were analysed to understand the experiences, perceptions, and social factors that influence their decisions in digital transactions. The results show that positive attitudes towards efficiency and promotions, social pressure from friends and influencers, and high perceived behavioural control due to technological convenience work simultaneously to reinforce online shopping intentions and actions. These three TPB components support each other and trigger increasingly impulsive consumption patterns in the digital environment.

The goal of this community service program (PkM) at SMA Negeri 11 Samarinda is to increase students' enthusiasm for reading by providing them with e-books that are based on QR codes. Students' lack of enthusiasm for reading and resources for reading led to the program's inception. E-books with QR codes embedded were presented as a workable approach to digital literacy that caters to the needs of students who were born into the digital age. Several steps were involved in the process, such as determining requirements, creating an e-book, creating QR codes, installing them at key school locations, and finally, monitoring and evaluating the results. Observations and questionnaires were given to 200 students as part of the assessment. Students' interest in and ability to access literature were both enhanced by the usage of QR Codes, according to the findings. In a survey, 82% of people said QR Codes were simple to use, and 85% said they were more motivated to read after using them. In terms of reading frequency, 76% of students saw an improvement, and 72% said they could understand what they read better.With an overall mean score of 4.35 (categorized as excellent), the digital literacy program proved to be effective and positively received. Overall, the implementation of QR Code–based e-books successfully strengthened digital literacy practices and created a more engaging, flexible, and sustainable reading experience, offering a model for digital literacy initiatives in other schools.

This papper reviews a range of studies that examine the influence of cultural and religious differences on the effectiveness of the counselor–client relationship. The main focus is on how cultural identity and religious beliefs shape the way individuals understand problems, interpret personal experiences, and respond to the counseling process. The literature shows that differences in values, communication styles, and spiritual orientations can affect the quality of the relationship, especially during the stages of building trust and setting counseling goals. At the same time, counselors who possess multicultural competence and sensitivity toward religious diversity are better able to adapt their approaches so clients feel respected and emotionally secure. This review also highlights the importance of counselor self-reflection to avoid personal bias in sessions, particularly when working with clients from backgrounds that differ greatly from their own. By examining various academic sources, this article argues that an effective counseling relationship depends not only on technique but also on the counselor’s ability to understand the client’s life context. The findings of this literature review contribute to the development of more inclusive and culturally responsive counseling practices.

The Professional Work Lecture (KKP) at the Makassar Class I Prison aims to support the process of fostering Correctional Assisted Citizens (WBP) through recreational activities based on fun games. This program was implemented in response to the condition of WBPs who often experience boredom, psychological stress, and limitations in positive activities during the coaching period. This study uses a descriptive approach with data collection techniques in the form of questionnaires, observations, and interviews involving 30 WBPs, to identify needs and evaluate the impact of the implementation of activities. Fun games activities are carried out through several stages, namely planning, preparation, implementation, and evaluation, by adjusting the conditions and rules that apply in the prison environment. The results of the implementation show that this activity is able to create a more positive atmosphere, increase a sense of togetherness, and help WBP in expressing and managing emotions in a healthier way. The results of the post-activity survey showed that 19 WBPs stated that they were very satisfied and 18 WBPs felt very happy after participating in fun games. Thus, fun games activities have proven to be effective as a coaching strategy that supports the improvement of the psychological welfare of WBP and can be used as an alternative to non-formal coaching programs in correctional institutions.

Kampung Glam as a heritage area in Singapore faces modernization challenges that have the potential to shift local cultural identity. Service learning is applied to bridge cultural preservation efforts with community education through the collaboration of students, communities, and cultural stakeholders. The purpose of this activity is to strengthen cultural education, increase awareness of the younger generation, and support the sustainability of the creative economy based on local values. The methods used include needs mapping, collaborative solution design, implementation of cultural workshops, and sustainability evaluation. The results showed that students gained contextual experience on heritage management, while the local community was helped through educational materials, mentoring, and strengthening of cultural narratives. This activity also increases the understanding of the importance of a balance between the preservation of historical values and the development of the modern economy. In conclusion, service learning is effective as an educational approach and community empowerment in maintaining cultural identity. It is suggested that the program be continued with the development of cultural education modules and long-term partnerships to strengthen sustainability.

Kampung Glam as a heritage area in Singapore faces modernization challenges that have the potential to shift local cultural identity. Service learning is applied to bridge cultural preservation efforts with community education through the collaboration of students, communities, and cultural stakeholders. The purpose of this activity is to strengthen cultural education, increase awareness of the younger generation, and support the sustainability of the creative economy based on local values. The methods used include needs mapping, collaborative solution design, implementation of cultural workshops, and sustainability evaluation. The results showed that students gained contextual experience on heritage management, while the local community was helped through educational materials, mentoring, and strengthening of cultural narratives. This activity also increases the understanding of the importance of a balance between the preservation of historical values and the development of the modern economy. In conclusion, service learning is effective as an educational approach and community empowerment in maintaining cultural identity. It is suggested that the program be continued with the development of cultural education modules and long-term partnerships to strengthen sustainability.

The role of the Holy Spirit is one of the central aspects of Christian theology, particularly within Evangelical theology, which seeks to uphold a balance between biblical truth and spiritual experience. This study aims to examine the understanding of the Holy Spirit in Evangelical theology, with a specific focus on the relationship between biblical pneumatology and the expressions of contemporary charismatic movements. The approach used is a theological–descriptive study through an analysis of biblical literature, classical Evangelical theological works, and contemporary research on charismatic movements in Indonesia and around the world. The findings indicate that Evangelical theology understands the Holy Spirit primarily as a divine person who works in regeneration, sanctification, and ministry empowerment based on the authority of Scripture. Meanwhile, the charismatic movement emphasizes more phenomenological aspects of the Holy Spirit’s work, such as Spirit baptism, spiritual gifts (charismata), and manifestations of supernatural power. Theological tension arises when charismatic experiences do not always align with the strict Evangelical hermeneutical principles applied to Scripture. Nevertheless, both approaches offer important contributions: biblical pneumatology preserves a healthy doctrinal foundation, while charismatic spirituality reminds the church of the importance of the Holy Spirit’s dynamic power in contemporary ecclesial life. This study concludes that integrating biblical foundations with openness to the work of the Holy Spirit can enrich the understanding and praxis of the contemporary Evangelical church. The church needs to develop a balanced pneumatology that is rooted in Scripture yet responsive to the movement of the Holy Spirit within the changing contexts of time and culture.

This paper aims to examine the relationship between Social Learning Theory and the principles of Christian education, particularly in character formation and the discipleship process. Social Learning Theory asserts that human behavior is shaped through observation, imitation, and social interaction, thus role models and the environment play a central role in the learning process. This understanding aligns with Christian education, which emphasizes that faith and character are developed through relationships, life experiences, and role models, as demonstrated in God's relationship with Israel, the life of Jesus Christ, and the practices of the early church. The integration of these two approaches demonstrates that effective Christian character formation requires a combination of modeling, mentoring, and a supportive community, along with the spiritually renewing work of the Holy Spirit. Thus, modern psychological theory and the principles of faith education can complement each other to create a holistic approach to Christian education, whether in the church, school, or family.

This community service program aims to implement a service learning model in Gurindam Dua Belas learning at the Indera Perkasa Traditional Hall, Penyengat Island, as an effort to strengthen cultural literacy and character education based on local wisdom. The activity was implemented through the Real Work Lecture (KKN) program with a participatory approach involving traditional leaders, traditional hall managers, and students. The service stages included planning with partners, preparing learning materials and scenarios, implementing reading-recitation sessions and value discussions, as well as joint evaluation and reflection. The results of the activity showed an increase in participant involvement in understanding, reciting, and interpreting Gurindam Dua Belas, strengthening the function of the Indera Perkasa Traditional Hall as a cultural learning space, and enriching students' pedagogical experience in designing local wisdom-based learning. The main limitations of this program were the short duration of implementation, limited participant reach, and less than optimal use of digital media.

Gross motor development is an important aspect of an infant’s growth. Infants aged 6–12 months are in a golden period where physical stimulation plays a vital role in supporting coordination, balance, and muscle strength. Hydrotherapy provides an experience of free movement in water with light resistance, which can strengthen muscles and improve body control. This study aimed to determine the effect of hydrotherapy on the gross motor development of infants aged 6–12 months at Posyandu Dahlia, Palembang City. This research used a quasi-experimental design with a pretest–posttest control group involving 30 infants (15 intervention and 15 control). The intervention was conducted twice a week for four weeks in water with temperatures of 36–37°C. The Denver II instrument was used for assessment. Data were analyzed using paired t-tests and independent t-tests with a significance level of 0.05The average gross motor development score increased significantly in the intervention group from 45.2 to 60.4 (p = 0.001), while the control group showed no significant change (p = 0.094). Hydrotherapy has a significant effect on improving the gross motor development of infants aged 6–12 months. Health workers are encouraged to use this therapy as an alternative stimulation for early childhood development in community health centers.

There are plenty of useful activities that can be activated both by high school and higher education entities.  One of those activities is the tutorial program to introduce the higher education standard before a high school student picks their preferred program.  This program not only set to introduce the differences between higher education and high school standard but also to give plenty of chances.  Some of those chances are for higher education students to applied their experiences from the campus and for the alumni to go back into their past high school program.  The practiced of this activity run directly in Tarsisius II Catholic’s High School at Jakarta.  During the activity, the team that consists of higher education lecturer and students found out that there are significant gaps.  One of the most critical gap is to ensure the better two way communication in learning processes.  For this kind of thing, the lecturer and teams tried to not only see the paper result.  The adaptiveness from what they learn during the tutorial program is also important.  As a result, this tutorial work out successfully and could be implemented in several other tutorial program in other high schools.

There are plenty of useful activities that can be activated both by high school and higher education entities.  One of those activities is the tutorial program to introduce the higher education standard before a high school student picks their preferred program.  This program not only set to introduce the differences between higher education and high school standard but also to give plenty of chances.  Some of those chances are for higher education students to applied their experiences from the campus and for the alumni to go back into their past high school program.  The practiced of this activity run directly in Tarsisius II Catholic’s High School at Jakarta.  During the activity, the team that consists of higher education lecturer and students found out that there are significant gaps.  One of the most critical gap is to ensure the better two way communication in learning processes.  For this kind of thing, the lecturer and teams tried to not only see the paper result.  The adaptiveness from what they learn during the tutorial program is also important.  As a result, this tutorial work out successfully and could be implemented in several other tutorial program in other high schools.

Although Experience Quality has been extensively researched, comprehensive studies remain limited. This research aims to conduct a Systematic Literature Review (SLR) and bibliometric analysis of existing empirical work on Experience Quality. The methodology used is SLR, with data collected from the Scopus database using the search term "Experience Quality" in the title, abstract, and keywords. This search yielded 1,297 publications from 1965 to 2025 (evaluated on October 24, 2025). The data were analyzed bibliometrically using VOSviewer. The findings confirm that experience quality has a significant effect on brand perception and customer satisfaction, which consequently impacts customer loyalty. Practically, this implies that brand and service managers must treat experience quality as a strategic variable, as good products or services alone are insufficient for long-term loyalty. Socially, positive experiences are shown to strengthen social networks, increase community involvement, and promote inclusion. This research is limited by its reliance solely on the Scopus database; future research should integrate additional databases, such as Web of Science, for broader generalization. Despite the global development of this topic, in-depth, structured studies are scarce. This research is valuable and original as it provides a comprehensive summary and a research roadmap through SLR and bibliometric analysis.

Learning Indonesian language and literature in elementary schools plays an important role in shaping students' character through the integration of literary works based on local culture. Lampung poetry as a representation of local wisdom contains educational values, such as religiosity, respect for parents, polite language, mutual cooperation, and environmental awareness. This study aims to describe the educational values ​​and local wisdom in Lampung poetry and their relevance to the character formation of elementary school students. The research method used is a literature review by analyzing references in the form of scientific articles, textbooks, Lampung poetry texts, and previous research results related to character education, regional literature, and local wisdom-based learning. The results of the study indicate that Lampung poetry is effective as a literary learning medium to instill character values, especially those in line with the dimensions of the Pancasila Student Profile, namely faith and piety, mutual cooperation, creativity, and global diversity. Practical implementation can be done through literary appreciation activities, reflective discussions on cultural values, and assignments to write poetry based on students' local experiences. The conclusion of this study confirms that systematically integrating Lampung poetry into Indonesian language learning has significant potential to strengthen students' character education while preserving local culture amidst the challenges of globalization.