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This study analyzes the dynamics of "Early Marriage and Shattered School Hopes" regarding eroded psychological well-being and pawned adolescent ideals in Brebes Regency. Using a qualitative case study design, data were gathered via in-depth interviews, participatory observation, and document analysis from eight informants, processed using Miles and Huberman's interactive model. Findings reveal early marriage is not merely a social event but systemic trauma damaging psychological structures through three aspects: first, victims' psychological conditions marked by identity loss, prolonged anxiety, and "fatalistic resignation"; second, lost educational access due to interactions of "normative-cultural coercion," "institutional structural barriers," and "economic-domestic double burdens"; third, manifestations of buried ideals comprising "hindered academic grief," "identity cognitive conflict," and "internalized existential despair." The research proves education loss from early marriage destroys human potential, altering character, leaving spiritual voids, and perpetuating intergenerational poverty cycles, thus urgently demanding holistic interventions including psychosocial rehabilitation and alternative education pathways. This study's main contribution is introducing the "systemic trauma" concept that actively extinguishes adolescents' existential hopes, filling literature gaps by providing a detailed psychological map to formulate recovery policies previously neglected in early marriage prevention discussions.

This study aims to analyze the implementation of Islamic marketing and digital-based Corporate Social Responsibility (CSR) at Pegadaian Syariah Surabaya from the perspective of maqashid sharia and assess how the integration of the two supports the sustainability of the institution and public trust. The background of the study departs from the development of digital technology that requires Islamic financial institutions to maintain transparency, fairness, data security, and sharia compliance in all marketing activities and social programs. The research method uses a descriptive qualitative approach through in-depth interviews, participatory observation, and documentation analysis on digital services and CSR activities of Pegadaian Syariah. The results show that digital Islamic marketing not only functions as a promotional tool, but also as a sharia education medium that upholds the values ​​of shidq, amanah, and maslahah, thereby supporting hifz al-din, hifz al-mal, and hifz al-‘aql. Meanwhile, the implementation of CSR covers the fields of religion, health, education, and empowerment of MSMEs that are in line with the five dimensions of maqashid sharia. The integration of Islamic marketing and CSR creates a strategic synergy that increases public trust, strengthens the institution's legitimacy, and ensures the sustainability of Pegadaian Syariah in the digital era. This research provides theoretical contributions regarding maqasid-based marketing and CSR strategies, as well as practical recommendations for strengthening sharia governance and digital education programs.

The Fruit of the Spirit is an important theological value to teach children because it contains points for everyday behavior. However, learning about the Fruit of the Spirit often encounters obstacles and is difficult for children aged 8-12 years to understand because it is considered too abstract and difficult to convey in simple language. Furthermore, obstacles come from the learning media used which are still conventional. Therefore, effective learning media are needed that can attract the interest and motivation of children to want to learn and apply the Fruit of the Spirit in everyday life, such as board games. In board games, there are components that can attract emotions and can be used as media, namely character pawns. The method used is the Design Thinking method with descriptive analysis. This approach is used to analyze data from the results of observations, interviews, literature studies, and questionnaires, as well as to develop concepts and design results. Thus, the character pawns can be created with a human-centered design approach, which is able to create visuals that have a close relationship with children's psychology.

One type of contract that is very important for the operations of Islamic financial institutions, especially for benefit-based services such as multi-service financing and gold pawnbroking. However, in its application, several problems continue to arise. The most prominent is the incompatibility with Financial Accounting Standards (PSAK) 107 and other Islamic accounting standards in terms of recording and disclosing ijarah transactions. This condition can cause the financial statements of Islamic financial institutions to be less transparent and accountable. Therefore, this study aims to examine how ijarah contracts are used and to what extent the application of ijarah accounting helps Islamic financial institutions become more financially transparent. The research was conducted by reviewing relevant literature, including the provisions of the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI), PSAK 107, and the fatwa of the Indonesian Ulema Council's National Sharia Board (DSN-MUI). The study shows that the proper use of ijarah accounting, which includes the recognition of ujrah income, the recording of asset gains, and the consistent disclosure of costs, can increase information transparency and stakeholder confidence in financial reports.

This study aims to determine the process of rice field pawning in Bulutellue Village, District of Sinjai Regency while analyzing the causes of rice field pawning. The type of research used is a qualitative descriptive research method that observes by interacting with the main informants, namely pawners because they are the actors in the implementation of Rice Field Pawning and pawn recipients in Bulutellue Village. Data collection techniques used are observation, interviews, and documentation. The data obtained are then processed using data analysis techniques in the form of data reduction, data presentation and conclusion drawing. And also data validation using Member Check. The results of this study indicate that Rice Field Pawning in Bulutellue Village was initially a pawn in the form of a garden then over time changed into a rice field pawning and this has become a tradition. This rice field pawning process can also be used to cover up shame or siri' and this rice field pawning process has some that have verbal agreements and some also have written agreements. There is also one of the customary laws that still applies today and is used as a tradition by the people in Bulutellue Village. The factors causing the occurrence of rice field mortgages in Bulutellue Village are economic factors, for example those related to weddings and education.

Murabaha financing is one of the leading products at PT. BPRS Mitra Mentari Sejahtera Ponorogo, especially for consumptive and productive financing. Therefore, the application of risk management and mitigation is very important to minimize financing risks. This study aims to determine how risk management and mitigation are applied to murabaha financing at BPRS. The method used is descriptive qualitative with field research and data collection techniques in the form of interviews and documentation. The results of this study indicate that risk management has been implemented at PT. BPRS Mitra Mentari Sejahtera Ponorogo, emphasizing the stages of identifying and measuring risk through 5C+1S analysis (character, capacity, capital, condition of economy, collateral, and sharia), although it only focuses on the aspects of capacity and collateral as well as BI checking. The risk mitigation process is also carried out through insurance and the use of collateral, especially gold pawn. Although it has a positive impact, its implementation is not yet optimal, as indicated by the high level of problematic financing and an increase in NPF.

This research examines compliance with gold pawn guarantee execution procedures from a civil law perspective, using a case study of Medan District Court Decision Number 738/Pdt.G/2023/PN Mdn. The background to this research stems from the growing practice of gold pawning in society as a solution for quick cash needs, but it often raises legal issues related to the execution process of the pawned goods. The issues raised in this paper are the procedures for executing gold pawn guarantees according to applicable law and whether PT. Gadai Mas Sumut's actions in this case comply with legal provisions. This research method uses a normative juridical approach by examining Articles 1150-1160 of the Civil Code, the Consumer Protection Law, and PMK Number 122 of 2023. The analysis shows that, normatively, creditors have the right to execute pawned goods if the debtor defaults. However, execution must be carried out in accordance with legal procedures, the principle of good faith, and transparency, including through a public or voluntary auction. In the case of PT. In the case of the North Sumatra Gold Pawn, the execution was carried out without adequate notification and without evidence of an official auction, thus being deemed to have failed to meet the principle of legal compliance. Therefore, this article concludes that gold pawn execution practices must be based on the principles of legal certainty and debtor protection to prevent similar losses and disputes in the future.

This study aims to analyze and compare the implementation of the rahn contract at Pegadaian Syariah and Bank Syariah from the perspectives of sharia compliance and customer satisfaction. Using a qualitative approach with in-depth interviews with 15 informants, consisting of institution management, sharia supervisors, and customers, the study found that Pegadaian Syariah excels in service aspects, cost transparency, and process convenience, resulting in higher customer satisfaction. On the other hand, Bank Syariah stands out in terms of internal supervision and collateral security, although its administrative process is more complex. Both institutions have adhered to sharia principles in accordance with DSN-MUI fatwas, but there are differences in the technical implementation and service strategies. This study highlights the importance of synergy between service efficiency and sharia compliance in managing rahn products, and contributes to the development of more inclusive and sustainable sharia pawn practices in Indonesia. The findings are expected to provide guidance for sharia financial institutions in improving service quality while maintaining sharia principles.

This study evaluated the population status of the conch Strombus luhuanus at Asol Beach, , Haruku Island, Maluku, through an analysis of density, size structure, length–weight relationship, and spatial distribution. Data were collected using transect–quadrat methods in the intertidal zone during low tide, complemented by measurements of environmental parameters (temperature, salinity, pH, and dissolved oxygen). The results revealed a population density of 2.76 ind/m², classified as moderate compared to other sites in Maluku. Shell length distribution encompassed nine size classes, with dominance in the mid-size class (3.93–4.38 cm), indicating successful recruitment of juveniles to early adults. The length–weight relationship followed the equation W = 1.871L0.0521 (R² = 0.857) with a negative allometric growth pattern, suggesting that individuals allocate more energy to shell elongation than body mass increase. The Morisita index (Id = 211.07) indicated an aggregated distribution pattern, consistent with reproductive strategies of broadcast-spawning gastropods. Environmental conditions (temperature 28.7 °C; salinity 32.66‰; pH 6.44; DO 6 mg/L) were within the tolerance range of tropical intertidal mollusks. These findings highlight the critical role of sandy seagrass habitats in supporting S. luhuanus populations and emphasize the need for management strategies based on minimum catch size, harvest regulation, and coastal habitat protection.

This study aims to analyze the effect of fishing ground differences between WPPNRI 711 and 712 on squid (Loligo spp) catches using boat-operated falling nets landed at Nusantara Fishing Port Muara Angke, Jakarta. The research employed a quantitative approach with a two-treatment experimental design, involving fishing operations in two different areas with an equal number of trips (six trips each), analyzed using an independent samples t-test. The results indicated no statistically significant difference in catches between WPPNRI 711 and 712 (p = 0.747 > 0.05). However, production data revealed variations in catch differences, with CPUE (Catch Per Unit Effort) in WPP 711 being higher than in WPP 712. These variations are likely influenced by environmental factors, oceanographic conditions, fishing pressure, and squid spawning seasons. The implications of this study highlight that differences in fishing grounds do not always produce significant statistical impacts on catches but remain crucial for sustainable squid fisheries management. Policy recommendations include regulating fishing efforts based on spawning seasons, routine stock monitoring through CPUE, and adopting advanced fishing technologies to enhance efficiency and sustainability. This research provides valuable input for fisheries management and supports sustainable utilization of squid resources at Muara Angke.

This study discusses the implementation of consumer law in the context of gold investment through PT X's digital application and the consumer protection guarantee mechanisms presented in the system. The research method used is normative juridical, namely a method that emphasizes the study of applicable positive legal norms, legal doctrine, and the application of relevant legal principles. The results of the study indicate that the implementation of consumer law in digital-based gold investment has been carried out in accordance with contractual principles as stipulated in civil law and in line with the provisions of Law Number 8 of 1999 concerning Consumer Protection. In practice, gold investment transactions through the X application are carried out with a mixed agreement containing elements of sale and purchase, deposit, and pawn. This is an important basis because the legal relationship between consumers and companies is not only a single transaction, but a combination that requires guaranteed protection of consumer rights. The legal basis for this mechanism is reflected in the X Digital Application Operational Guidelines Number 28 of 2024, which detailed administrative procedures, application usage requirements, and the implementation of consumer protection principles as stipulated in Articles 4, 7, 18, and 45 of the Consumer Protection Law. Thus, the implemented system not only emphasizes commercial aspects but also ensures a balance between the rights and obligations of consumers and businesses. This study highlights how digital transformation in financial services requires a robust legal framework to protect consumers from potential risks. Therefore, internal company regulations and guidelines play a strategic role in ensuring fairness and providing a sense of security for people investing in gold through digital applications.  

The development of the sharia financial system is marked by the establishment of various sharia institutions and the issuance of various sharia-based financial instruments. One of the most prominent institutions is sharia banks, which not only serve as financial intermediaries that collect and distribute funds to the community but also provide various services, including pawning. Bank Syariah Indonesia is one of the leading banks offering a gold pawn product, which has been considered successful due to its continuous growth every year. Sharia gold pawn financing is a product that channels funds in the form of loans, based on the qard principle, where gold serves as collateral for the customer’s money. The process involves several stages that must be followed by both the bank and the customer. Bank Syariah Indonesia has managed to set relatively low rental fees for its gold pawn products compared to other financial institutions, making it an attractive option for customers in need of short-term financing. In this community service activity, the aim is to provide a detailed explanation of the mechanism behind the gold pawning product at Bank Syariah Indonesia. By doing so, the public is expected to become more familiar with the services, operations, and benefits offered by sharia banks, particularly in the context of gold pawn financing. This initiative aims to increase the understanding and awareness of the public about the advantages of using sharia-based financial products, as well as highlight the role of such services in supporting the financial needs of individuals while adhering to Islamic principles. Through this outreach, it is hoped that more people will consider utilizing these financial services, thus contributing to the broader development of sharia finance

The low level of financial literacy among students is an important concern in the increasingly complex digital economy era. To address these issues, this Community Service activity promotes the theme "Financial Literacy Movement 2025," which aims to enhance students' understanding of personal financial management, budget planning, and the prudent use of digital financial services. The activity was held on June 11, 2025, at 10.00 WIB at the Hall of Murni Teguh University PSDKU Pematangsiantar, involving 50 students from various study programs in Pematangsiantar. This activity represents a form of cooperation between Murni Teguh University (PTSDKU Pematangsiantar) and PT Pegadaian Parluasan Branch. The implementation method was carried out in the form of interactive seminars and question and answer discussions, which presented two speakers: Mr. Henry Dunan Pardede, S.P., M.M. (Academic) and Mr. Eko Syahri Iskandar (Head of the UPC Pegadaian Unit Parluasan Branch). At the end of the activity, participants participated in a lucky draw session as a form of appreciation and motivation. The results of the activity showed high enthusiasm and increased understanding among participants of the importance of financial literacy in student life. This activity is a strategic step in shaping a young generation who are financially wise and able to make smart economic decisions.

Abstract. Indonesia is an archipelagic country with a rich and diverse cultural heritage, reflected in its traditional clothing from various regions. However, with the advancement of time and the rapid flow of globalization, the younger generation's attention to traditional clothing has declined. A survey of youth aged 19–22 years found that most of them do not fully recognize the types, names, and origins of Indonesian traditional clothing, although they acknowledge the importance of preserving cultural heritage. To address this issue, an educational media in the form of an interactive board game was designed to reintroduce traditional clothing to young people in an engaging way. This study employed qualitative and quantitative methods, including questionnaires, interviews, observations, and focus group discussions. The board game features character pawns representing traditional attire from six major regions of Indonesia, highlighting each area's distinctive visual traits. Through this game, it is expected that youth will gain knowledge and foster a sense of love and pride in the nation's cultural heritage.

This study aims to analyze the superiority of Pegadaian products in competition between Branch Service Units (UPC) using the Competitive Profile Matrix (CPM) technique at UPC Karanglewas and UPC Alun-Alun Purwokerto. The approach used is descriptive qualitative through case studies, with data collection through in-depth interviews, observation, and documentation. CPM analysis is carried out by identifying key success factors such as service quality, product variety, price, promotion, ease of access, company reputation, and digital product innovation. The results of the study show that UPC Karanglewas has a stronger competitive position with a CPM score of 3.65 compared to UPC Alun-Alun Purwokerto which obtained a score of 3.25. The main advantages of UPC Karanglewas lie in a more complete product variety, ease of access, and digital innovation, while UPC Alun-Alun Purwokerto excels in promotion. This study recommends that each UPC strengthen product differentiation, increase digital service innovation, and optimize promotional strategies to strengthen competitiveness in the national pawn.  

SPACE Matrix (Strategic Position and Action Evaluation) is a management strategy that assesses the company's competitive position based on four main dimensions, namely two internal factors (Financial Strength and Competitive Advantage) and two external factors (Industry Strength and Environmental Stability This study analyzes the strategic position of Pegadaian Purwokerto with the SPACE Matrix through a qualitative descriptive approach. To provide a complete picture, data were collected from primary and secondary sources. The evaluation results show that Pegadaian has fairly stable financial and industrial strength, as well as relatively stable competitiveness and environmental conditions. Determining the coordinates in the SPACE Matrix places Pegadaian Purwokerto in the aggressive quadrant, which indicates that the company has opportunities and internal strengths to actively develop its business. The recommended strategies include market penetration and market development, with the use of the SWOT matrix as a tool to formulate a comprehensive and effective strategy. These findings provide strategic guidance for Pegadaian Purwokerto in utilizing strengths and opportunities for sustainable growth.

This research explores the strategic positioning of Pegadaian UPC Ajibarang’s products using the Boston Consulting Group (BCG) matrix as a tool for evaluating market performance and future potential. Pegadaian plays a crucial role as a microfinance institution by offering accessible financial solutions such as gold/jewelry pawning, gold savings (digital and physical), installment-based precious metal purchases, electronic pledging, KUR based on vehicle ownership documents, and Hajj savings plans. The study employs a qualitative descriptive approach, gathering insights from comprehensive interviews with both employees and customers. Findings indicate that each product faces unique obstacles and opportunities. Key challenges include customer dissatisfaction regarding service quality, limited adoption of cashless transactions by elderly clients, and traditional promotional methods relying on brochures and word-of-mouth. By mapping products based on market share and growth prospects through the BCG matrix, the study identifies which offerings should be prioritized for development, stability, or rebranding. In response, it is recommended that Pegadaian UPC Ajibarang enhance its marketing and customer service strategies, broaden digital engagement efforts, and introduce user-friendly technological solutions for older clientele. These steps are essential to strengthen competitiveness and ensure long-term sustainable growth for their most promising financial products.

Whiteleg shrimp (Litopenaeus vannamei) is a leading commodity in the aquaculture sector with high economic value. To support shrimp farming productivity, the provision of high-quality seed stock must begin with optimal nauplius production techniques. This study aims to examine the nauplius production process of L. vannamei at the CV. Pacific Andre Anton (PAA) hatchery in Situbondo, East Java, covering stages such as media preparation, broodstock management, spawning, egg hatching, and nauplius harvesting. The methods used were observation, interviews, and active participation during the internship program. Observations revealed that natural spawning was conducted using a male-to-female broodstock ratio of 3:1–5:1, with broodstock aged at least 8 months. Over one month of production, a total of 51,418,901 eggs were produced, with a hatching rate of 87% and nauplius yield reaching 44,954,325. Key success factors in nauplius production include broodstock quality, eyestalk ablation technique, strict water quality management, high-nutrition feeding, and the implementation of biosecurity protocols. The findings indicate that the nauplius production techniques applied at CV. PAA meet established standards and can serve as a reference for developing L. vannamei hatchery operations.

There are several developments in the practice of pawn gates, on the condition that pawn gates can also be done for the educational needs of nephews or business capital. Developments in the use of transaction tools can now use money. Pagang gadai is known to have no redemption period, and the Wali Nagari Parik Panjang does not want to sign the pawn letter because it is against positive law in Indonesia. There is no legal protection for the implementation of the practice of pawning in the Minangkabau customary law community. This is because land pawning is carried out without registration. The settlement of the problem of pawn disputes in Nagari Parik Panjang, Matur District, Agam Regency using the principle of bajanjang naiak, batanggo turun means that it is resolved from the lowest level, namely deliberation and consensus, then the Nagari Customary Density, to the highest level, namely the court level.

Pawn is one of the property rights obtained by a person who receives the goods—who provides credit—on a movable and tangible item that is handed over to him by a person who is in debt or by another person on his behalf. Pawning is a common phenomenon in many countries, especially in Indonesia. The regulations related to pawn are determined in the Civil Code, especially in Article 1150 of the Civil Code, and are further regulated in various additional articles in the Civil Code. Pawn requires the existence of two or more parties who are related to each other and agree to make a binding agreement with a certain period of time to receive and provide guarantees to an entity in return for a certain amount of money or other goods, which must then be returned in accordance with the agreement that has been made along with the surplus value that may arise as a result of added value or interest. This is an obligation that must be fulfilled by the party who owes, but the party who provides the credit also has a handful of obligations that must be fulfilled as a form of accountability for the pawned goods that are received and maintained for a certain period of time, for example, maintaining the pawned goods from potential damage or carrying out maintenance so that the pawned goods function properly. However, the party who provides the credit has the right to receive compensation or a refund of the maintenance costs incurred to maintain the pawned goods; this is regulated in Article 1157, Paragraph 2, of the Civil Code, which is a guarantee for every entity that provides credit to obtain its rights or compensation from efforts to "rescue" the pawned goods.