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This research aims to analyze the impact of risk perception, financial technology, on the interest of the people of Balikpapan City to invest in the capital market. This type of research is quantitative research, with a questionnaire as the research instrument. The population in this research is the people of Balikpapan City with several criteria. The sampling technique uses incidental sampling. Based on the sampling method, a sample of 216 respondents. The results of this research show that  risk perception, financial technology have a positive and significant effect on the interest in investing in the capital market among the people of Balikpapan City.

Social media has become an integral part of Generation Z's life, including elementary school students, who are known as the tech-savvy generation. This study aims to examine Generation Z students' perceptions of the influence of social media on their academic behavior and learning concentration through a literature study approach. Data were collected from various current literature sources and analyzed using thematic analysis methods. The results of the study indicate that social media has a dual impact: platforms such as YouTube and educational applications such as Kahoot increase motivation and access to learning resources, but uncontrolled use causes distraction, procrastination, and decreased learning concentration. The characteristics of Generation Z, such as dependence on technology and the need for digital existence, strengthen the influence of social media on their academic behavior. Therefore, a balanced educational approach is needed to maximize the benefits of social media while minimizing its negative impacts. This study provides insight for educators and parents in managing the use of social media wisely.

Evaluating changes in public perceptions of gold investment before and after price increases is the objective of this study. The background of this study rests on the assumption that gold price volatility can affect an individual's interest in and view of gold as an investment vehicle. This study used a quantitative approach by distributing questionnaires using a Likert scale to 50 respondents, the results of which were analyzed using the paired sample t-test. The results of the analysis show that there is no statistically significant difference in people's perceptions before and after the gold price increase (significance value 0.363 > 0.05). The findings of this study indicate that the public still views gold as a safe and stable investment asset in the long term, regardless of price changes in the short term. The results of this study can be used as a reference by market participants and financial planners to understand the tendency of public attitudes towards gold investment.

Islam is a religion that requires trading, the Prophet is a good role model in teaching trading rules, in this research we examine the regulation of market mechanisms with the perception of hisbah using the review literature review method, and study the comparison of sharia and conventional trading objects in Indonesia, so as to create a fair trading system and healthy competition in the trading market.

Data security is a crucial aspect in the use of digital wallet applications, especially in Indonesia where its implementation is increasing. This study aims to explore user perceptions of the level of data security in the DANA e-wallet application through a qualitative approach. Data were obtained through in-depth interviews with a number of active users, then analyzed thematically to identify factors that influence their sense of security in using the application. The results of the study show that transparency, privacy policies, ease of use of security features, and the reputation of service providers are important elements in building user trust. This study is expected to contribute to the development of data security management strategies in e-wallet applications in order to increase consumer satisfaction and loyalty.

This study analyzes factors that influence this understanding and perception, such as education level, family environment, media influence, personal experience, and involvement in daily customary life. Data collection techniques are carried out through observation, interviews, and documentation in order to gain a deeper understanding of the young generation of Toba Batak towards customary divorce law. The purpose of this study is to determine the extent of the understanding of the young generation towards the customary divorce process, the role of the family, and the factors that influence their views. This study discusses the perception and understanding of the young generation of Toba Batak towards customary divorce law amidst the influence of modernization. Through the understanding and perception of the young generation towards customary divorce law, this study attempts to provide an overview of the relevance of the young generation of Toba Batak towards customary divorce law. The results of the study show that although most still respect customs and the value of family deliberation, there are doubts about customary justice, especially regarding the position of women. The young generation tends to support the preservation of customs, but hopes for adjustments to be fairer and in accordance with the times. The results of the study are expected to be input for traditional leaders and the government in designing targeted cultural preservation policies.

Self-photo studio is a modern photography trend that is growing rapidly among the younger generation, because it offers a private, flexible, and aesthetic photo experience without the help of a photographer. One of the business actors in this field is Selfphoto Studio - Potokita Prapen Surabaya, which has attracted the attention of many users. However, customer satisfaction is not always met because of the gap between expectations and the reality of the services provided. This study aims to determine the effect of Perceived Value, Product Quality, and Service Innovation on user satisfaction at Selfphoto Studio - Potokita Prapen branch in Surabaya. This study uses a quantitative approach with data collection techniques through the distribution of E-questionnaires. The number of respondents in this study was 100 Potokita Prapen users who were selected using a purposive sampling technique. The results of the study showed that perceived value, product quality, and service innovation had a positive and significant effect on user satisfaction, both partially and simultaneously. The results of the study showed that perceived value, product quality, and service innovation had a positive and significant effect on user satisfaction, both partially and simultaneously. These findings provide implications for the management of Selfphoto Studio - Potokita to pay more attention to these factors in order to increase customer satisfaction and loyalty..

Current technological developments encourage companies to also use technology so that their employees can work more efficiently. That is why the Zahir Accounting application is used to help PT Nikko Utama in preparing financial reports. This study aims to measure the level of satisfaction in using the Zahir Accounting application. This study uses the Technology Acceptance Model (TAM) method to measure the satisfaction of Zahir Accounting application users. By distributing questionnaires to 30 respondents, in this study based on 4 (four) independent variables (Perceived Ease of Use, Perceived Usefulness, Attitude Toward Using, and Actual Usage) it can be explained that user satisfaction in using the Zahir Accounting application is 84.1%, so it can be said that users feel satisfied and find it easy to use the Zahir Accounting application.

This study aims to explore teachers' perceptions of challenges in the learning process for deaf students at SLB PGRI Kamal, Bangkalan. With a descriptive qualitative approach, data is collected through interviews, observations, and documentation. The results of the study show that teachers face challenges in the form of students' difficulties in understanding instruction, limited communication, and lack of pedagogical competence of teachers in special education. In response, teachers apply adaptive strategies such as the use of sign language, visual media, simplification of materials, and an individualized approach. The support of the school environment, such as conducive learning spaces and cooperation between teachers, also strengthens the effectiveness of learning. Teachers consider learning to be quite effective, especially for students who get emotional support and visual learning. This study recommends continuous training for teachers and strengthening cooperation between schools and parents to improve the quality of education for deaf students.    

This study conducted to explore residents' perceptions of 5s culture (Seiri, Seiton, Seiso, Seiketsu, Shitsukei) in recycling waste utilization activities in the Family Empowerment and Welfare Group (PKK) RW 02 Manyaran Village, Semarang. This activity was executed in order to introduce 5S working principle originating from Japan, which can help create a more organized, efficient, and hygienic work environment. By using the 5s approach, PKK members are expected to manage organic waste more effectively, reduce waste entering landfills, and support the establishment of a hygienic and visual spelling setting. Method used was a descriptive qualitative approach, with interviews  with 13 PKK members of RW 02 Manyaran Semarang. The results demonstrated a positive impact, especially in the aspects of Seiri, Seiso, and Shitsukei. Residents have understood the importance of sorting, maintaining cleanliness, and discipline in waste recycling activities. However, Seiton and Seiketsu aspects remain suboptimal due to inadequate  facilities and the absence of written procedures.

This study aims to determine the influence of community perception on the success of village fund management, with a case study in Murjail Village. Village funds are an important instrument in supporting the development and welfare of village communities as mandated in Law Number 6 of 2014 concerning Villages. The success of village fund management is not only determined by administrative and technical aspects, but also by the perception of the community as beneficiaries. The research method used is a quantitative descriptive method with data collection techniques through questionnaires distributed to people aged 18 years and over. Of the 110 questionnaires issued, 99 of them were returned and analyzed. The results of the analysis show that there is a significant relationship between community perception (X) and the success of village fund management (Y) with a correlation coefficient value of 0.373 and a significance value (p-value) of 0.000 (<0.05). The coefficient of determination shows that community perception contributes 22.6% to the success of village fund management, while the rest is influenced by other factors. This finding shows the importance of building positive community perception in supporting the effectiveness of village fund management.

According to data from the Central Java Social Welfare Service in 2006, it was recorded that 608,000 people experienced stress. UKK is one of the graduation requirements that is often a source of stress for vocational high school students, the perception that causes stress in students before the skills competency test (UKK) occurs in students at SMK Putra Jaya Center Batam, as many as 36 class XII KPR students admitted to experiencing academic stress before UKK, this study was conducted to determine how students perceive stress experienced by students before the competency test at SMK Putra Jaya Center Batam. The sampling technique used was Purposive sampling with 36 respondents. The results of the study obtained several themes, namely: 1) Student perceptions that consider UKK to be something that has a negative impact, has a stressful impact and also a self-defense mechanism before UKK. 2) Stress in students affects 2 aspects of each individual, namely Physiological and Psychological Aspects. The results of the study showed that students' perceptions of UKK as pressure that has a negative impact. Students' perceptions regarding stress experienced before UKK are negative perceptions of students that arise due to students' assessments or understandings that assume that UKK is a threat and pressure on students. This perception causes negative changes, namely that students experience physical stress and psychological stress.

Limited land in the urban area of Jayapura Regency is a major challenge in the provision of Green Open Space (RTH), even though the existence of RTH is very important to maintain ecological balance and the quality of the community's living environment. In this context, the Dosay Public Cemetery (TPU) has great potential to be optimized as an alternative green space that is multifunctional-ecological, social, and aesthetic. This study aims to assess community perceptions of the utilization of TPU Dosay as a green space, as well as to formulate a strategy for its sustainable development. The approach used was mixed methods, with data collection through a survey using a Likert scale to 35 respondents, open interviews with 9 key informants, as well as SWOT and AHP analysis. The results showed that most people support the development of TPU Dosay as a reflective green space that is comfortable and ecologically valuable. From the results of AHP analysis, policy and regulation aspects are the top priorities in the development strategy, followed by vegetation and accessibility aspects. Strategic recommendations include the preparation of adaptive vegetation zoning, strengthening the local policy framework, active involvement of indigenous communities, and cross-sector collaboration between local governments, academics and the private sector. With the right strategy, the development of TPU Dosay is expected to be an innovative solution in overcoming the shortage of green spaces in Jayapura Regency.

The purpose of this study was to examine how elementary school teachers perceive the use of digital learning resources in their lesson plans. Digital technology has many potentials to enhance students’ learning ability and engagement. This study combined case study methodology with qualitative approach. Interviews with several elementary school teachers were used to collect data. The results of the study showed that teachers have different opinions about digital learning resources. To deliver materials, increase students’ enthusiasm for learning, and provide a variety of learning materials, some educators viewed digital media as an interesting and successful medium. They also understood how important it is to incorporate technology into the current curriculum. However, other teachers expressed concerns about inadequate infrastructure as well. This study underlines the need for ongoing assistance in the form of instruction, provision of sufficient resources, and creation of a successful plan to integrate digital learning materials in elementary schools.

Canva learning media is an online learning platform for graphic design in various creative designs to facilitate its users such as designing posters, infographics and presentations. Not only for designing but can be used as a learning medium for teachers, students and schools in classroom learning. The purpose of this study was to determine the influence of perceptions on the use of Canva interactive media and students' learning interests on students' Mathematics learning outcomes at SMPN 2 Cianjur. This study uses a Quantitative Approach with the Survey method. The research design used is multiple linear regression analysis. The research sample was 35 students at SMPN 2 Cianjur. Based on the results of the research data analysis, 76% of responses were obtained based on the questionnaire distributed, respondents agreed that there was an influence of perceptions on the use of Canva interactive media and students' learning interests on mathematics learning outcomes.

This research reviews Christian theological views towards LGBT, highlighting the conflict between religious beliefs and tolerance towards the LGBT community. In the context of theology students, there are interesting differences of opinion around this issue, with some opposing and others supporting. Nevertheless, this research emphasizes the importance of avoiding judgmental and condemnatory attitudes, and encouraging theology students to become agents of change who promote inclusion and understanding of LGBT people in society. Given the complexity of the views expressed, this article provides in-depth insight into how Christian theology and theology students interact with LGBT issues.

This research was motivated by complaints from visitors on social media about the attractions of the Kincia Cucu Antan Kari tourist attraction in Agam Regency. This research aims to determine visitors' perceptions of the Kincia Cucu Antan Kari tourist attraction in Agam Regency as seen from 3 indicators, namely: Cognitive, affective and conative. The population of this study was 461 visitors who were visiting and who had visited the Kincia Cucu Antan Kari tourist attraction, from this total population there were 215 respondents. The data collection technique uses a questionnaire (questionnaire) with a Likert scale which has been tested for validity and reliability. The method used in this research is quantitative descriptive. Testing the analysis using data tabulation and measuring the level of respondent achievement (TCR) with the help of SPSS version 23.00. Based on the research results, it was found that visitors' perceptions of the Kincia Cucu Antan Kari tourist attraction in Agam Regency were categorized as quite good. Meanwhile, looking at each of the indicators, cognitive is in the quite good category, affective is in the quite good category and conative is in the quite good category. So it can be concluded that the overall perception of attractiveness at the Kincia Cucu Antan Kari tourist attraction in Agam Regency is quite good so it needs to be optimized further.

Current digital wallet applications offer easy-to-use features, security levels, and trust by their users. The purpose of this study was to determine the effect of perceived ease of use, perceived security, and perceived trust on interest in using the OVO e-wallet application. The population in this study were people who were interested in using the OVO e-wallet application and had never used the OVO e-wallet application before in the Bekasi area. The sample taken in this study was 100 respondents. The sampling technique used was primary data where data collection was obtained by distributing online questionnaires via Google Form to the public. The test tool used was SPSS with analysis stages, namely validity test, reliability test, classical assumption test, multiple linear regression, t-test, f-test, dominant factor, and coefficient of determination (R2). The results of this study indicate that perceived ease of use, security, and trust have a partial effect on interest in use. Perception of ease of use, security, and trust have a simultaneous effect on interest in use of the OVO e-wallet application.  

This research is motivated by the phenomenon that there are still students who do not understand premarital sexual behavior. It can be seen that there are students who hold hands with the opposite sex, there are students who are alone with the opposite sex in public places in school uniforms. The purpose of this study is to describe students' perceptions of premarital sexual behavior and describe the guidance obtained at school. The population in this study consisted of all X and XI grade students at SMK Negeri 1 Padang Panjang in the 2024/2025 school year, totaling 681 people. The research sample amounted to 253 students selected through stratified random sampling technique. Data collection was carried out by distributing instruments in the form of questionnaires measuring students' perceptions of premarital sexual behavior and guidance obtained at school. The results showed that (1) students' perceptions of premarital sexual behavior at SMK Negeri 1 Padang Panjang were generally in the good category (2) the guidance obtained at school was generally in the very good category. Based on the results of this study, counseling teachers can maintain and improve the quality of services that have been provided to prevent the emergence of premarital sexual behavior among students. This effort can be done through the provision of information services, individual counseling, and group guidance that specifically discusses topics regarding premarital sexual behavior.

Perception refers Perception is an individual's way of viewing a situation, shaped by their experiences, environment, and values. Communication strategy is the planning and management done to achieve a particular goal. This study focuses on three research questions: 1. What is the perception of outstanding students in developing communication skills? 2. What is the strategy of outstanding students in developing communication skills? 3. What are the opportunities and challenges faced by outstanding students in building communication skills? The study uses a descriptive qualitative approach. The data collection techniques employed include interviews, observation, and documentation. The results indicate that the perception of outstanding students in developing communication skills includes: 1. Learning through practice, and 2. Having both introverted and extroverted traits. The strategies of outstanding students in developing communication skills include: 1. Recognizing the audience, 2. Non-verbal communication, 3. Joining interest groups, 4. Applying the "rule of three" technique, 5. Participating in public speaking activities, 6. Finding examples of communication from great figures, 7. Communicating every day and evaluating. The opportunities and challenges of outstanding students in building communication skills include: 1. Group communication, and the challenge of adapting (both internal and external)