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This study is motivated by the irresponsible use of paylater services, which is influenced by factors such as financial literacy, risk perception, and trust. The purpose of this research is to examine the impact of financial literacy, risk perception, and trust on students’ decisions to use paylater services at the Faculty of Economics and Business, Selamat Sri University. A quantitative survey method was employed, targeting a sample of 107 students from the 2020 cohort who actively utilized paylater services. The findings reveal that financial literacy significantly and positively influences the use of paylater services. Similarly, risk perception and trust also exhibit significant positive effects on paylater usage.

This study aims to explore the impact of long-term hijab use on women's hair health. Hair is considered an important part of one's appearance and is often seen as an indicator of physical well-being. The research began after a proposal seminar and was conducted at the Department of Beauty and Cosmetology at Padang State University.Based on existing literature, the use of the hijab can affect hair condition because it covers the head continuously, which may restrict air circulation and increase moisture on the scalp area. Previous studies have shown that women who wear the hijab for more than eight hours a day are at risk of experiencing hair problems such as hair loss, dandruff, and split ends. However, this research also notes that proper hair care can reduce these negative effects, so women who take good care of their hair tend to have healthier hair even while wearing the hijab.The focus of this study is on the general impact of hijab use on hair health, without considering the different hair types of the respondents. The results from observations and interviews emphasize the importance of selecting appropriate hair products to minimize the negative effects of hijab use, supporting the findings of previous studies.

This study explores the impact of an entrepreneurial mindset on business growth, with a particular focus on startups in developing economies. Through a case study approach, it examines how entrepreneurial traits such as innovation, risk-taking, and resilience contribute to overcoming challenges unique to these markets, including limited access to resources, unstable regulatory environments, and financial constraints. The research identifies key strategies employed by successful entrepreneurs to drive growth, create competitive advantages, and foster sustainable development. The findings highlight the critical role of entrepreneurial mindset as a catalyst for navigating complexities and achieving scalability in dynamic and resource-constrained environments. This study provides valuable insights for policymakers, educators, and aspiring entrepreneurs aiming to support and enhance the startup ecosystem in developing economies.

Elderly people have a high risk of suffering from degenerative diseases, one of which is metabolic disorders. This is more widely recognized by the elderly when they are already in severe condition and with complications so that it has an impact on various aspects including increasing morbidity and mortality rates, as well as decreasing quality of life of the elderly and decreasing ability of the elderly to carry out daily activities. Metabolic disorders are caused by increased blood glucose levels in the body known as Diabetes Mellitus (DM) which is one of the health problems of the ten diseases that cause death and disability globally. The implementation of community service activities for Preventive Efforts for the Elderly in Diabetes Mellitus through several stages, namely the survey and field observation stages and counseling for Preventive Efforts for the Elderly in Diabetes Mellitus counseling is carried out for approximately 90 minutes, as well as evaluations in the form of pre-tests and post-tests. The provision of education was carried out on Wednesday, November 14, 2024 at the Antara Health Center, the number of participants was 32 people. Based on the results of the knowledge of the elderly before and after the counseling for Preventive Efforts for the Elderly in Diabetes Mellitus, it was found that 15 elderly people had sufficient knowledge and 17 elderly people had insufficient knowledge. After conducting counseling on Preventive Efforts for the Elderly in Diabetes Mellitus, the results obtained were a sufficient increase of 30 and less than 2 elderly. This means that community service on Preventive Efforts for the Elderly in Diabetes Mellitus is very effective in the elderly in order to prevent an increase in glucose levels. Counseling on preventive efforts for the elderly in diabetes regarding these degenerative diseases is very necessary so that the elderly maintain their health better. The elderly are expected to be able to understand about efforts to prevent and treat degenerative diseases in the elderly with diabetes. Hopefully this community service can be a reference for researchers and further community service, as well as the community.

This study examines the effect of market risk, investor sentiment, and interest rates on the performance of energy sector stocks in Indonesia for the period 2019–2023, with market liquidity as a mediating variable. The study was conducted through a literature review by identifying and analyzing various related studies. Secondary data was obtained from scientific journals and related reports using relevant literature selection techniques. The results of the study indicate that oil price volatility, investor sentiment, and interest rate changes significantly affect the performance of energy sector stocks. Market liquidity was found to be able to reduce the negative impact of market risk and interest rates, and strengthen the positive influence of investor sentiment on stock prices. This study concludes that market liquidity plays an important buffer in maintaining the stability of stocks in the energy sector, especially in dealing with market fluctuations. The results of this study contribute to investment managers in developing more adaptive portfolio strategies and to regulators in creating policies that support market liquidity.

This research aims to determine the risk identification process for container inspection at PT Tanto Inti Line, North Jakarta branch. This research uses a qualitative approach using descriptive methods and interviews. Data was obtained by direct observation and interviews. Control and Resolution Research Results that will not harm the company in an optimal way. PT. Tanto Intim Line North Jakarta Branch continues to improve service performance for consumers or service users in order to achieve loading and unloading of vehicles and passengers. Research Conclusion: The Risk Identification Process of Container Inspection at PT Tanto Intim Line North Jakarta Branch is running according to the procedures that have been carried out.

Indonesia, as a tropical country, faces a high risk from ultraviolet (UV) radiation that can damage skin and health. This study aims to evaluate the knowledge and behavior regarding sunscreen use among students of the Faculty of Tourism and Hospitality. The method used is a survey with questionnaires distributed to respondents. Results indicate that although students are aware of the importance of using sunscreen, the usage rate remains low, and many do not choose safe products. These findings highlight the need for increased knowledge about proper sunscreen selection and the dangers of UV exposure. The implications of this research emphasize the importance of further education on correct sunscreen use, as well as the necessity for outreach activities to raise awareness about skin protection from sun exposure. Thus, it is hoped that adolescents can better maintain their skin health and reduce the risk of diseases caused by excessive UV exposure.

This study analyzes the procedures for employee payroll documentation and data transfer at PT PLN Nusantara Power Services to enhance the efficiency and accuracy of human resource (HR) administration. Using a descriptive qualitative method, data were collected through library and field research. The findings indicate that digitalizing HR administration improves operational efficiency, transparency, and compliance with regulations. Digital transformation also minimizes errors and supports data risk management. The author's internship experience highlights the importance of responsibility and accuracy in data management to meet professional standards. This research contributes to the development of technology-based administrative systems in the energy sector.  

Companies often face various obstacles related to managing raw material inventory to meet demand, one of which is Peuyeum Ketan Istimewa. Working in the food processing industry, of course, raw material inventory management needs to be planned optimally to avoid various risks that can harm the company. The Quantity Discount model is used to take advantage of cost savings provided by suppliers when purchases are made in large quantities, while other efforts that can help manage raw materials in a company are by knowing the safety stock and reorder point of raw materials and also forecasting demand to predict future demand. This study will use the Quantity Discount model which optimizes inventory levels by considering storage costs, ordering costs, and quantity discounts. The calculations carried out are also to find the value of the company's Safety Stock and Reorder Point. The results of this study indicate that the use of the Quantity Discount method can reduce total costs by Rp26,319,267/year, while forecasting using the seasonality method increases the accuracy of demand predictions, thus enabling more efficient inventory management. The implementation of this model is expected to provide a significant contribution to operational efficiency and cost reduction at Peuyeum Ketan Istimewa

Hypertension is the leading cause of premature death worldwide. To reduce the risk of hypertension, what needs to be done is hypertension treatment as an effort to control hypertension, one of which is non-pharmacological treatment, usually carried out by implementing the use of pandan wangi plants. Pandan wangi is a plant whose leaves are often used as a food additive. The purpose of implementing Community Service activities in Lorong Putri is to increase public awareness, especially the elderly, about Hypertension and the treatment of Hypertension with traditional medicine. Using the method of providing education and question and answer discussions related to dangerous conditions and efforts to prevent hypertension, participants in this activity were carried out on October 7, 2024 at Lorong Putri, Air Besar Health Center Work Area. totaling 20 people. During the Education Process, participants listened carefully and provided good feedback, in the form of benefits and how to consume boiled pandan leaf water, and whether it can be boiled together with drinking water at home, and all questions from participants can be answered well. With questions and answers from participants, participants can better understand hypertension and how to treat it with traditional medicine.

Islamic insurance is one of the Islamic financial instruments designed to provide financial protection based on sharia principles, such as mutual help (ta'awun) and risk-sharing. As a country with the largest Muslim population in the world, Indonesia has great potential to develop this industry. Over the past five years (2018-2022), the sharia insurance industry in Indonesia has shown consistent growth, reflected in an increase in gross contribution from IDR 12 trillion in 2018 to IDR 16 trillion in 2022. However, the market share of Islamic insurance remains small compared to conventional insurance, with key challenges including limited market scale, lack of product innovation, low public literacy in Islamic finance, and intense competition with conventional products. This article aims to analyze these challenges and formulate development strategies that can be implemented to strengthen the competitiveness of Islamic insurance in the global market. This research uses a qualitative approach based on secondary data analysis obtained from industry reports, scientific journals, and official publications. The results show that the main strategies for development include product innovation oriented to the needs of the global community, digitization of services to improve efficiency and accessibility, public education to increase Islamic financial literacy, strengthening regulations to create a conducive business environment, and strategic collaboration with international financial institutions to expand market networks.

This study discusses the design of a goods storage information system at the Medan Class A Search and Rescue Office to improve the efficiency and accuracy of goods management management. This system is designed to automate the process of storing and tracking goods, which has been done manually and often causes various problems such as tracking difficulties and data inaccuracies. The results of the implementation show that this information system is able to minimize errors, reduce the risk of loss of goods, and ensure the availability of important equipment in real-time. Despite challenges such as user resistance and resource requirements, careful planning and proper training overcame these obstacles. In conclusion, this system contributes significantly in improving the operational performance of the Medan Class A Search and Rescue Office.

Indonesia, as a tropical country, faces a high risk from ultraviolet (UV) radiation that can damage skin and health. This study aims to evaluate the knowledge and behavior regarding sunscreen use among students of the Faculty of Tourism and Hospitality. The method used is a survey with questionnaires distributed to respondents. Results indicate that although students are aware of the importance of using sunscreen, the usage rate remains low, and many do not choose safe products. These findings highlight the need for increased knowledge about proper sunscreen selection and the dangers of UV exposure. The implications of this research emphasize the importance of further education on correct sunscreen use, as well as the necessity for outreach activities to raise awareness about skin protection from sun exposure. Thus, it is hoped that adolescents can better maintain their skin health and reduce the risk of diseases caused by excessive UV exposure.

Financial literacy is an individual's ability to understand, analyze, and use financial information to make effective decisions. In the context of Islamic finance in Indonesia, low financial literacy is a major challenge in increasing financial inclusion. Islamic mutual funds, as one of the sharia-based investment instruments, offer an opportunity to bridge the gap between financial literacy and inclusion. Islamic mutual funds have the advantages of transparent sharia principles, wider accessibility, and diversified risks. This study aims to explore the role of Islamic mutual funds in increasing public financial literacy while encouraging Islamic financial inclusion. The methodology used includes secondary data analysis, surveys, and interviews with stakeholders, such as financial industry players, regulators, and the community. The results of the study show that education about Islamic mutual funds can consistently increase public understanding of Islamic financial products. In addition, Islamic mutual funds also have the potential to expand public access to Islamic financial services, especially among the younger generation and underserved groups. Integration of financial literacy programs based on sharia mutual funds with the support of regulations and digital technology can be a strategic step to strengthen the sharia financial ecosystem in Indonesia, thereby supporting more inclusive and sustainable financial inclusion.

The cross – border fintech payment industry faces many cybersecurity issues, including the possibility of data theft, fraud and low efficiency due to reliance on conventional intermediaries. Based on decentralized and cryptgrahpic system, blockchain technology can improve the security and efficiency of cross – border payments. The purpose of this study is to see how the implementation of blockchain affects the transparency, speed and cost of transactions. Using literature studies and case analysis, it was found that blockhain technology can reduce the risk of fraud by making institutions transparent and immutable. In addition, it allows for automated payments through smart contracats, scalability, regulation and technology adoption are some of the challenges that still hinder its implementation. The results of the study show that blockchain is an innovation strategy that has the potential to transform payments across the fintech sector, but it requires synergy between technology, policy and industry players for optimal implementation.  

This research aims to measure the accelerated level of understanding of Islamic Banking students at STAIN Mandailing Natal regarding Islamic banking systems and products through online media. The method used is a quantitative descriptive approach with primary data analysis. The research results show that students' understanding has increased significantly, as measured through pre-test and post-test. The average pre-test score was 56.47, while the post-test reached 62.82. The post-test t-value of 4.462 exceeds the t-table of 1.740 with a significance value of 0.000, which shows the results are significant at the 5% level. These findings indicate that learning through online media is effective in increasing students' understanding of sharia banking systems and products. It is hoped that this research can contribute to the development of learning methods in the field of sharia banking.

Foreign debt (ULN) is one of the important issues in the dynamics of the global economy, especially for developing countries. This study aims to analyze the causal factors, conditions of ULN in Indonesia, and its impact on the economy. Qualitative research methods with a literature approach were used to collect data from various written sources. The results of the study indicate that the factors causing ULN in Indonesia include the inability to provide sufficient development funds, an imbalance between investment and savings, and dependence on imported goods. The impact of ULN on the Indonesian economy is divided into positive and negative impacts. The positive impacts include effective sources of development financing, recognition of the country's ability to pay off debt, the establishment of relations between countries, and encouragement of domestic policy improvements. The negative impacts include the burden on the APBN, reduction in spending strategies, the influence of creditor countries in policy making, and the stigma of being a failed state. The study concludes that ULN in Indonesia needs to be managed wisely by considering long-term risks. Some recommended solutions include delaying principal debt payments, changing payment obligations, and reducing principal debt. This study provides important information for policy stakeholders and the Indonesian public in understanding the importance of wise ULN management to encourage sustainable economic growth and improve people's welfare.

Companies face new challenges in maintaining compliance with business ethics in the digital era which is characterized by technological advancements and globalization. It is essential to implement business laws to ensure that the company's practices not only comply with applicable regulations but also follow high moral standards. The study looks at how business law can help with ethical compliance in the digital environment, including data protection, transparency, and social responsibility. Using case studies from various industries, this study shows that consistent application of business laws and ongoing ethical counseling can create a strong culture of compliance. As a result, the company can not only reduce legal risks but also build a good reputation in the eyes of the public and consumers.

This study aims to analyze and compare the financial ratios of three mining companies, namely PT Aneka Tambang, PT Adaro Energy, and PT Baramulti Suksessarana, in assessing company stability and growth. The analysis was conducted using a qualitative descriptive approach by utilizing financial ratio data such as liquidity, activity, solvency, profitability, and market in the 2019-2023 period. The results show that PT Aneka Tambang excels in liquidity stability, PT Baramulti Suksessarana has high efficiency in asset utilization, and PT Adaro Energy offers great growth potential with significant fluctuations in profitability. This research provides strategic insights for investors in selecting mining companies according to risk profiles and investment objectives, as well as a reference for academics in understanding the dynamics of the financial performance of the mining sector

The aim of this research is to find out how the sharia capital market affects the sharia economy. This research was conducted through a qualitative literature study, where the author collected data from various journal articles, books and other sources. The results of this research found that Islamic capital markets promote Islamic economics by incorporating ethical ideals into economic operations, resulting in a more inclusive and stable ecosystem. Profit and loss sharing used in several sharia capital market instruments including mudharabah and musyarakah encourages better risk management.