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Teenagers today are filled with a number of rapid technological changes and developments. From a financial perspective, teenagers at this stage have a growing ability to understand the principles of saving and spending money, not only the basics, but also long-term goals. The three main areas that parents should focus on are income, savings, and responsible spending (shopping or investment). Problems that often occur in society (including teenagers) are such as wasteful living (lifestyle), online loan debt, and being trapped in online gambling. The emergence of several entertainment venues, cafes, and angkringan makes spending difficult for teenagers to control. The methods used in this service are lectures, simulations, discussions and questions and answers regarding the usefulness and benefits of understanding financial literacy. The results of this service show the different nature and patterns of financial management of teenagers requiring presentation patterns that need to be adjusted. In the implementation of the activity, there were participants (some) who were more enthusiastic or serious about this series of training. Presenters (speakers) require the application of andragogy model learning. This model is intended so that the presenter (material provider) and participants are not bored, comfortable in communicating and feedback appears quickly. In the future, training or workshops will be more directed to more technical or specific, for example capital market investment, mutual funds or other investment models.

This study aims to determine the performance of KCU Pintu Air by using the balanced scorecard method. This research method is a quantitative descriptive method. The data in this study were obtained from documentation in the form of financial reports and distributing questionnaires. The population in this study was KCU Pintu Air with a sample of a financial perspective in the form of financial reports, a customer perspective with a sample of 44 members, an internal business process perspective and a growth and learning perspective with a sample of 27 employees. The findings of this study show that the performance of KCU Pintu Air when measured using the balanced scorecard method results in a rating scale of 0.2 which lies between 0-0.6 which indicates that the cooperative's performance is quite good. The results of perspective calculations in the balanced scorecard are financial perspective calculations with unfavorable results, this is because most of the PEARLS ratio calculation results are in the bad category. The customer perspective shows good results, which are obtained from indicators of member retention and member acquisition which experience fluctuations and indicators of member satisfaction as much as 79% of members are satisfied with cooperative services. The internal business process perspective shows very good results, which are obtained from the results of the questionnaire with an operational efficiency indicator of 80% and an indicator of competitive position of 83%, which means that the respondents stated that they were very satisfied. The growth and learning perspective shows good results obtained from the results of employee satisfaction indicators as much as 91% of employees who express attitudes towards very high satisfaction, employee retention indicators that show good results and employee productivity indicators that experience fluctuations during the study period.

The industry in Indonesia has experienced significant development both online and offline, including the fashion industry, which has also undergone rapid growth. This development inevitably alters consumer behavior toward products in the market. One consumer behavior that requires attention is impulse buying, which refers to unplanned purchases. Impulse buying occurs due to emotional factors, which are also influenced by the store atmosphere, prompting spontaneous purchases. This study aims to examine and analyze the role of positive emotion in mediating the relationship between store atmosphere and impulse buying. The research was conducted among customers of the Uniqlo store at Bali Galeria Mall, with a sample size of 160 respondents selected through purposive sampling. Data collection was carried out using questionnaires. The analytical techniques employed include the Classical Assumption Test, Path Analysis, Sobel Test, and Variance Accounted For (VAF) Test. The analysis results indicate that: Store atmosphere has a positive and significant effect on impulse buying, Store atmosphere has a positive and significant effect on positive emotion, Positive emotion has a positive and significant effect on impulse buying, Positive emotion mediates the effect of store atmosphere on impulse buying. The theoretical implications of this study support previous research findings from the perspective of Consumer Behavior Theory. The practical implications provide guidelines for managers and staff at the Uniqlo store at Bali Galeria Mall to enhance customer impulse buying by leveraging store atmosphere and positive emotion.

This study discusses the existence and interpretation of women's careers from the perspective of the Qur'an, with the aim of exploring the understanding of the role of women in the world of work according to Islamic teachings. Career women in the modern context often face challenges in combining their roles as mothers, wives, and professionals. However, in the Qur'an, there are principles that provide space for women to contribute in various areas of life, including work, as long as they do not conflict with Islamic moral and ethical values. This study uses an interpretation approach to analyze relevant verses, as well as examines the social and historical contexts that influence the understanding of career women. The results of the study indicate that the Qur'an provides freedom for women to pursue a career, on condition that they pay attention to the balance between domestic duties and social rights and maintain self-integrity in the work environment. Therefore, the interpretation of the role of career women in the Qur'an can be more relevant and contextual if viewed from a more flexible perspective, while still adhering to the values ​​of justice and welfare in Islam.

This study aims to examine the virtues of knowledge from an Islamic perspective as taught in the book Mahfudzot Fadhoilul Iman and to explore its relevance in shaping the spiritual transformation of individual Muslims and their social contributions in the modern era. A qualitative approach was employed, utilizing a literature review method to analyze the key principles outlined in the book.The findings reveal that the book Mahfudzot Fadhoilul Iman emphasizes knowledge as the foundation of faith, guiding humanity toward divine truth. Values such as al-ilmu nurun (knowledge is light) and thalabul ilmi faridhatun (seeking knowledge is an obligation) highlight the importance of knowledge as a spiritual means of drawing closer to Allah. Additionally, the principle khairun naasi anfa'uhum linnaas (the best of people are those who are most beneficial to others) underscores the significant social dimension of knowledge in building a prosperous and harmonious society.This study also finds that the values in Fadhoilul Iman remain relevant to contemporary challenges, such as developing education based on Islamic values and applying ethical knowledge in professional fields. By recontextualizing the teachings of this book, Muslims can utilize knowledge as an instrument to strengthen their faith while contributing meaningfully to the well-being of humanity.

This research investigates the significance of knowledge as presented in the Qur'an and Hadith, focusing on the Mahfudzot Fadhoilun Nabi wa Shahabat as a framework for understanding its role in shaping the character of students at Universitas Islam Zainul Hasan Genggong Probolinggo. The study examines how the Qur'anic and Hadith perspectives on knowledge emphasize moral, intellectual, and spiritual development and how these teachings can be applied to enhance the character of university students. By analyzing the implementation of these teachings within the academic and social environments, this research explores how knowledge, within the Islamic context, contributes to the development of ethical and responsible individuals. The findings are expected to offer valuable insights into the integration of Islamic values in higher education and their impact on the formation of student character.

The supremacy of knowledge plays a central role in building Islamic civilization, both in classical and modern eras. This study aims to analyze the values of the supremacy of knowledge based on the perspectives of the Qur’an, Hadith, and the thoughts of classical scholars such as Al-Ghazali, Ibn Khaldun, and Al-Farabi. Additionally, this research explores the relevance of knowledge in addressing the challenges of globalization and the dynamics of the digital age. Using a descriptive qualitative research method, primary data consisting of Qur'anic verses, Hadith, and classical scholars' works are combined with secondary data, including books on the history of Islamic civilization, scholarly articles, and contemporary references. The research findings indicate that knowledge is regarded as the main pillar in building a civilization rooted in Islamic values. The Qur’an and Hadith explicitly position knowledge as both an obligation and a path to the glory of individuals and society. The thoughts of classical scholars highlight the importance of integrating religious knowledge and general knowledge to create a balance between worldly and spiritual happiness. In the modern era, the supremacy of knowledge remains relevant as a tool to address the challenges of globalization, particularly through the use of technology and innovation based on Islamic values. This study concludes that the synergy between religious knowledge and modern science can shape a progressive and morally upright Islamic civilization. Knowledge not only serves as a medium for social transformation but also as a spiritual foundation for building a resilient Muslim identity in the contemporary era. The relevance of the values of the supremacy of knowledge provides a strategic guide for Muslims to contribute to global civilization without losing the essence of Islam.

This study aims to analyze how internal control and ownership structure influence the quality of consolidated financial statements in public companies in Indonesia. The research adopts a literature review approach to analyze the impact of internal control and ownership structure on the quality of consolidated financial statements in public companies. Data was obtained through relevant secondary literature, such as academic papers, books, and research reports related to the impact of ownership structure changes on the consolidated financial statements of companies in Indonesia. The researcher conducted a literature search through online databases, such as Google Scholar, using relevant keywords and only considering trustworthy and relevant findings. The researcher also expanded the review by considering various perspectives to gain a more comprehensive understanding. The results of the study are divided into several main sections, including the quality of financial statements, consolidated financial statements, and the impact of internal control and ownership structure on public companies. The study concludes that strong internal control has a significant positive impact on the quality of consolidated financial statements, acting as a mechanism to prevent fraud and maintain the integrity of financial data. Strict controls improve compliance with accounting standards, making the reports more transparent and reliable. In addition, institutional ownership has been proven to have a significant positive impact on the quality of financial statements, as it encourages transparency and external oversight. However, managerial ownership does not show a significant impact, indicating that the incentives from managerial stock ownership are not strong enough to influence the improvement of financial statement quality.    

This study aims to determine and analyze the application of the balanced scorecard method as a benchmark for performance measurement at CV. Sumber Pinus Jaya. The research method used is a qualitative method, because this study does not aim to prove a hypothesis but rather aims to reveal facts and circumstances that occur at the time of the study. From the results of the discussion, it shows that the balanced scorecard method translates performance measures that have four indicators, namely in the financial perspective shows fluctuating numbers, the customer perspective shows good results, the internal business process perspective shows that the company has carried out an innovation process such as the concept of making furniture following current developments, the growth and learning perspective shows good company performance conditions because it can improve the quality of its employees. From the discussion above, it can be concluded that the use of the balanced scorecard method can be used as a benchmark for the success of a company. In order to be applied properly to the company, improvement efforts are needed both internally and externally.

This study aims to identify the accountability and transparency of sharia financial management in non-profit organizations, especially SD IT Yarsi Mataram, so that the implementation of financial management can be carried out in accordance with sharia principles. This study is a literature study, where relevant solutions to the conditions that occur at SD IT Yarsi Mataram are compiled based on relevant references that can be collected. Accountability and transparency of financial management have specifically been explained in Surah Al Baqarah Verse 282. Accountability in Islam is closely related to Amanah. And the transparency of financial management will affect the level of management accountability to stakeholders. SD IT Yarsi Mataram in recent years has not been transparent about financial management. The lack of transparency efforts in the allocation of funds obtained from student guardians as stakeholders and school committee bodies, has the potential to reduce the level of accountability of financial management. This minimal transparency and low level of accountability can trigger turmoil and distrust of stakeholders over the performance of school management. By conducting financial management transparency as part of accountability to stakeholders, it will increase trust and assessment of school management performance.

This article aims to examine the role of picture books in enhancing language skills in early childhood from the perspective of children's literature studies. Picture books are considered an effective medium in supporting children's language development because they combine visual and narrative elements that enrich the child's learning experience. Through picture books, children can not only develop vocabulary but also understand language structure, improve listening and speaking skills, and stimulate their imagination. This indicates that engaging and educational picture books can enhance children's language skills, particularly in word recognition, sentence development, and storytelling abilities. Therefore, picture books are a highly beneficial tool in improving language skills in early childhood and should be considered in early childhood education curricula.    

This study examines the theoretical foundation of applying forensic audits to identify financial fraud. It focuses on key factors such as auditor competence and professional skepticism, as discussed in various studies. Using a qualitative approach, data were collected through literature review to gather diverse perspectives on forensic audit practices and their effectiveness in detecting financial fraud. By analyzing various journals that employ a quantitative approach, this review identifies key themes such as auditor competency, professional skepticism, and audit techniques used in detecting fraud. The findings indicate that a combination of auditor expertise and skepticism can significantly enhance the effectiveness of forensic audits in detecting financial fraud. This review also concludes that forensic auditing is effective in uncovering various types of fraud.

Inflation is a significant economic challenge in Indonesia, affecting price stability and people's purchasing power. In a sharia economic perspective, inflation is not only seen as an economic phenomenon, but also involves moral and social aspects. This article discusses the role of sharia monetary instruments in controlling inflation in Indonesia, highlighting the principles of fairness and transparency. Instruments such as Bank Indonesia Sharia Certificates (SBIS), Bank Indonesia Sharia Savings Facilities (FASBIS), and Sharia Open Market Operations (OPT) have been implemented to regulate the amount of money in circulation and maintain economic stability. Although their contribution to controlling inflation is still limited, the potential of sharia instruments can be strengthened through increasing market understanding, education and collaboration between the government, Bank Indonesia and sharia financial institutions. With more optimal implementation, sharia monetary instruments can create a stable, fair and sustainable economic system for the Indonesian people.

Education in the era of globalization demands the development of students' social skills, including collaboration, to prepare them for the challenges of the 21st century. One effective method to train these skills is small group discussions, which encourage students to share ideas, listen to other perspectives, and reach consensus. This study aims to identify effective strategies in guiding small group discussions to improve student collaboration, focusing on the implementation of the Merdeka Curriculum. The research method used is qualitative descriptive with a case study design in one of the high schools that implements the Merdeka Curriculum. Data were collected through observation, interviews, documentation, and student collaboration questionnaires. The results of the study indicate that effective strategies include the use of open-ended questions, providing constructive feedback, and dividing roles in groups. In addition, the dynamics of small group discussions can be improved with good conflict management by teachers. This study also found that small group discussions can improve students' collaboration skills, which are reflected in communication, individual responsibility, and group decision making. Implications for the implementation of the Merdeka Curriculum show the importance of teacher training to improve the ability to guide small group discussions effectively. This study provides practical and theoretical contributions to the development of collaboration-based learning in Indonesia.

This article discusses risk management from the perspective of Islamic economics, with a case study on Swalayan Al-Fatih in Sumenep Regency. The research was conducted to address several issues, including: 1) What are the internal and external risks faced by Swalayan Al-Fatih in its daily operations? 2) What risk mitigation strategies can be implemented by Swalayan Al-Fatih from the perspective of Islamic economics?. In this thesis, the researcher employs a qualitative research method. Qualitative research is a procedure that produces descriptive data in the form of written or spoken words from people and observed behaviors. To collect data, the researcher uses interview and observation techniques. Data analysis is carried out through data reduction, data presentation, and data verification. Based on this orientation, the research findings indicate that the risks faced by Swalayan Al-Fatih include internal risks such as conflicts among employees, lack of skills, and low employee loyalty. External risks, such as intense competition, unsold products, as well as environmental and natural factors, were also identified. In conclusion, the risk management strategy according to Islamic economics is based on the Qur'an and Hadith, as taught by Prophet Muhammad SAW. The strategy implemented by Swalayan Al-Fatih meets several criteria of Islamic economics.

Socialization is the most important process we go through, whether we realize it or not, in everyday life. Students' moral development is greatly influenced by policies in the field of education. wanting to confirm which method used to disseminate educational policies, the steps involved in the socialization process, socialization strategies, and the media used for socialization. In accordance with the initial conditions, this research was carried out using qualitative descriptive techniques. This is also seen from the perspective of educational policy socialization. Three stages should be considered when disseminating education policy, according to this research: preparation; imitation (or play); and action (or play). Social media, electronic media (such as CDs or compact disks), radio, television and radio, and other communication media can be used to promote educational policies.    

This research examines the concept of money from an Islamic economic perspective which is fundamentally different from conventional economic views. In Islam, money is not a commodity that can be traded for profit. Money is a medium of exchange that must be used to support real economic activities and contribute to social welfare. The basic principles of Islamic economics, such as the prohibition of usury, gharar, and maysir strictly regulate the use of money so that it cannot be used for speculative activities that have the potential to be detrimental. This research aims to analyze the role of money in Islamic economics, explore its application in the Islamic financial system, and assess its impact on wealth distribution and economic stability. The research results show that the concept of money in Islam emphasizes justice, ethics and balance in the economy, and can provide a more sustainable alternative compared to conventional financial systems which often pursue maximum profits without paying attention to social impacts. This research concludes that the application of money principles in Islamic economics can support the creation of a fairer and more inclusive financial system and contribute to the overall economic welfare of the people.

The importance of seeking knowledge in Islam is emphasized as one of the means to achieve both worldly and eternal happiness. However, in the digital era, seeking knowledge faces new challenges and opportunities. This study examines the Islamic perspective on seeking knowledge in modern life, focusing on the challenges, opportunities, and the influence of technology on character development in the digital age. The main challenges include the overwhelming amount of information that may not always be of high quality, as well as the distractions brought by technology that can divert attention from the core purpose of education. On the other hand, the opportunities presented by the digital era include easy access to various knowledge sources through online platforms and more interactive and engaging learning methods. This research also identifies the influence of technology, such as social media and educational apps, in shaping an individual’s character through the dissemination of Islamic values that promote good morals. The findings show that although the challenges in the digital era are considerable, technology can be leveraged to enhance the pursuit of knowledge and ethical education when used wisely. Character development, in line with Islamic teachings, can still be achieved through the wise use of technology in seeking knowledge. This study recommends the integration of technological education and ethical education to shape a generation that is knowledgeable, morally upright, and ready to face the challenges of the modern world.

Maritime piracy has long been a significant threat to global shipping, with profound economic and legal implications. This journal explores the economic effects and legal actions associated with maritime piracy. The economic impact of piracy is substantial, costing the international economy between $7 billion and $12 billion annually. The rise in piracy has led to higher ransom demands, with some payments reaching record amounts, and has significantly increased the cost of maritime insurance, particularly in high-risk zones. From a legal perspective, the journal examines the evolution of piracy laws, highlighting the United Nations Convention on the Law of the Sea (UNCLOS) and its definition of piracy. The legal framework under UNCLOS includes three main elements: acts committed for private ends, occurring on the high seas, and involving two ships. The journal also discusses the concept of universal jurisdiction, which allows any state to prosecute pirates, though prosecution must follow the domestic laws of the capturing state.The International Maritime Organization (IMO) has introduced several conventions and initiatives, such as the Djibouti Code of Conduct, to enhance maritime security. This journal will focus on the economical effect and the suitable legal actions to punish and prevent the acts of piracy.

Exchange rate stability is an important indicator in maintaining the balance of a country's economy, especially in facing global market dynamics. This research aims to analyze the effectiveness of sharia monetary policy instruments in maintaining exchange rate stability, with a focus on the principles of justice, transparency and stability which are the basis of the Islamic economic system. Instruments such as sukuk, mudarabah contracts, and ijarah are analyzed from theoretical and empirical perspectives to measure their impact on exchange rate fluctuations. This study uses a qualitative approach with analysis of secondary data obtained from various economic reports, scientific journals and related statistical data. The research results show that sharia monetary policy has significant potential in mitigating exchange rate volatility through stable liquidity management and a system free from speculation. Consistent implementation of sharia principles can also increase market confidence in the domestic currency. Furthermore, this research finds that integration between sharia monetary policy and conventional approaches can create synergy in maintaining exchange rate stability. This collaboration allows the monetary authority to be more flexible in responding to global economic challenges without abandoning sharia principles. Apart from that, educating market players regarding the benefits of sharia monetary policy is considered important to expand the adoption of this instrument. This study concludes that the successful implementation of sharia monetary policy is highly dependent on the commitment of the government and regulators in providing a conducive ecosystem, including financial infrastructure, strengthening regulations, and integrated policy support. This research provides theoretical and practical contributions in the development of sharia-based monetary policy in countries with dual economic systems.