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This study examines the influence of financial literacy, Fear of Missing Out (FOMO), and influencer marketing on Generation Z's decision to use Buy Now Pay Later (BNPL) services in Dompu Regency. The rapid development of financial technology has encouraged the widespread adoption of BNPL as an alternative digital payment method, particularly among young consumers. However, the increasing use of this service also raises concerns regarding financial decision-making and consumer behavior. This research employed a quantitative approach using a survey method involving 100 Generation Z respondents selected through purposive sampling. Data were collected using a structured questionnaire with a five-point Likert scale and analyzed using multiple linear regression. The findings indicate that financial literacy has a positive and significant effect on BNPL usage decisions. Likewise, FOMO significantly influences individuals' decisions to utilize BNPL services, while influencer marketing also demonstrates a positive and significant contribution to users' decisions. Simultaneously, the three independent variables significantly affect BNPL usage decisions, explaining 27% of the variance in the dependent variable. These findings suggest that financial knowledge, psychological factors, and social influence collectively shape Generation Z's financial behavior. Therefore, strengthening financial literacy and promoting responsible use of digital financial services are essential to encourage more informed and sustainable financial decision-making.

Banks' Relationship Manager (RM) rotation policies conceal a retention risk: premium customers loyal to individual RMs may migrate following replacement triggered by relational disruption, not service failure. This conceptual study builds a theoretical framework explaining Emerging HNWI customer migration intention following RM turnover, integrating three antecedents adapted from the Service Provider Switching Model (SPSM): Relational Embeddedness (RE) as a mooring factor, Relational Trust toward the former RM (RT) as a paradoxical push factor through the Relational Loss Effect mechanism, and Community-Validated Trust (CVT) as the primary migration inhibitor. CVT is conceptualized as trust formed prior to direct interaction through personal communal validation distinct from reputation trust, social trust, swift trust, and social proof. Three boundary conditions of CVT are explicitly identified for testability and cross-context comparison. Primary contributions: (1) CVT as a SPSM extension for relational disruption contexts; (2) Relational Loss Effect bridging trust theory and paradoxical migration behavior.

This qualitative study aims to explore the effectiveness of reward-and-punishment-based Islamic Religious Education in strengthening students' learning motivation at SMA Negeri 1 Bukateja using Travis Hirschi's social control theory framework. This research was conducted through a case study approach in one of the public high schools in Purbalingga Regency. Data were collected through interviews, participant observation, and documentation studies. The results of the study indicate that the implementation of rewards and punishments functions as a social control mechanism that is able to activate four elements of social bonds: attachment, commitment, involvement, and trust. The reward system in the form of praise, certificates, and gifts has been proven to strengthen the emotional bond between students and teachers, thereby increasing active participation and enthusiasm for learning. Meanwhile, educational punishments, such as reprimands, additional assignments, and community service, are able to build student commitment to rules and reduce indiscipline behavior.This study contributes to the development of Islamic education theory through a social control perspective and serves as a practical reference for Islamic Religious Education teachers in designing effective, fair, and sustainable learning systems.

This study investigates the relationship between green practices and corporate tax avoidance, focusing on green accounting, environmental performance, and corporate social responsibility (CSR) among 19 Indonesian publicly listed companies from 2021 to 2024. The research aims to examine whether environmentally responsible strategies influence firms’ tax behavior and how sustainability practices mediate this relationship. A quantitative approach was employed, collecting data from corporate financial statements, ESG reports, and sustainability disclosures. The analysis included descriptive statistics, correlation tests, and pooled ordinary least squares regression to explore the effects of green accounting, environmental performance, and CSR on the effective tax rate (ETR) as a proxy for tax avoidance. Results indicate that green accounting is positively associated with higher ETR, suggesting reduced tax avoidance, while CSR negatively impacts ETR, implying that sustainability initiatives can be strategically used to mask aggressive tax planning. Environmental performance alone does not significantly affect tax behavior. These findings highlight the importance of transparency through green accounting to promote ethical tax practices, while cautioning that CSR may serve as a reputational tool rather than a mechanism for reducing tax avoidance. The study contributes to theoretical understanding in sustainability and corporate governance and offers practical insights for policymakers and corporate managers to align environmental and fiscal responsibilities.

Assertive communication is a core competency for vocational high school (SMK) students, particularly those majoring in Online Business and Retail, whose future work demands strong interpersonal skills in customer service, negotiation, and teamwork. Classroom instruction in Indonesian vocational schools, however, still tends to privilege cognitive content over practical, contextual communication training. This study examines the effect of the role-playing technique on the assertive communication ability of twelfth-grade Online Business and Retail students at SMK Pasundan 1 Bandung. A quantitative survey approach is employed, with role playing—operationalized through three dimensions (role taking, role marking, and role negotiation) adapted from Zaini (2008)—as the independent variable, and assertive communication—operationalized through five dimensions adapted from Albert and Emmons (2001)—as the dependent variable. Given a population of 36 students, a saturated (census) sampling technique is used, so all members of the population serve as respondents. Data will be collected through a Likert-scale questionnaire and analyzed using path analysis with the assistance of SPSS, examining both the simultaneous effect of role playing on assertive communication and the partial effects of its three dimensions. The study is grounded in Bandura's (1977) Social Learning Theory, which posits that behavior is acquired through observation, modeling, and reinforcement. The anticipated outcome is empirical evidence on the effectiveness of role playing in strengthening assertive communication, together with practical recommendations for teachers and schools seeking to design more participatory, work-relevant instructional strategies.

The surge in young investors in the country indicates that university students are increasingly drawn to the financial markets. Unfortunately, the soundness of students' investment choices often lacks a foundation of clear reasoning, as they remain swayed by social influences, limited insight, and the rapid technological advancements that facilitate access to investment opportunities. This study aims to unravel the determinants of students' investment decisions through the lens of the Theory of Planned Behavior (TPB), focusing on financial literacy, risk tolerance, and technology—three factors frequently examined in existing literature. A qualitative approach was adopted, involving a literature review of scholarly articles published between 2020 and 2024. Data gathered from relevant academic sources were analyzed using content analysis techniques to identify research patterns, conceptual relationships, and the consistency of prior findings. The results reveal that the Theory of Planned Behavior effectively explains students' investment decisions through the interplay of attitudes, subjective norms, and perceived behavioral control. Financial literacy emerges as the most robust and consistent determinant influencing investment decisions; risk tolerance shapes investment preferences; and technology acts as a catalyst, enhancing accessibility and convenience. These findings suggest that deepening financial literacy—supported by optimal technology use and adequate risk awareness—can empower students to make investment decisions that are rational, well-calculated, and long-term oriented.

Pencak silat is not only interpreted as a martial art, but also as a medium for character building and life values. The Persaudaraan Setia Hati Terate (PSHT) has teachings about brotherhood, courage, and social responsibility that need to be communicated in a relevant way in today's visual era. This design aims to create a character that represents the identity of PSHT Surabaya through a Research and Development (R&D) method with the stages of Planning, Production, and Evaluation (PPE). As a result, the rooster character was chosen as a symbol because it reflects the philosophy of courage and exemplary behavior. This design is expected to become a communicative visual identity while strengthening the organization's image.

The implementation of healthy and safe school standards is a strategic effort to create a learning environment that supports the health and safety of elementary school students. This study aims to evaluate the implementation of healthy and safe school standards at SDN 6 Kendari, which is characterized by its proximity to a market and a main road. The study employed a qualitative approach using a case study design, involving field observations, the completion of a healthy and safe school indicator questionnaire, and interviews with educators. The results indicate that SDN 6 Kendari has met most of the healthy school indicators, evidenced by well-maintained buildings, adequate ventilation and lighting, proper sanitation and waste management, and students’ consistent practice of clean and healthy living behaviors. Regarding the safe school aspect, the school’s social environment is relatively conducive and free from risky behaviors, supported by the availability of a monitoring system and collaboration with relevant parties. However, several areas still require improvement, such as the equitable distribution of handwashing facilities, more strategic placement of portable fire extinguishers, and strengthening traffic risk mitigation measures due to the school’s location. Overall, the implementation of healthy and safe school standards at SDN 6 Kendari has been proceeding well, but requires continuous improvement to achieve optimal compliance with the standards.

The rapid development of financial technology, particularly online lending, has transformed consumption patterns among working-age individuals by providing easy access to digital credit. This study aims to analyze the influence of financial literacy and online loans on the consumptive lifestyles of gas station workers in the Bululawang area. An explanatory quantitative approach was employed, with all gas station workers serving as the study population. A saturated sampling (census) technique was applied, and data were collected through digital Likert-scale questionnaires. The hypotheses were tested using Multiple Linear Regression Analysis. The findings indicate that financial literacy does not significantly reduce consumptive lifestyles, suggesting that financial knowledge alone is insufficient to control spending behavior without strong self-discipline. In contrast, the use of online loan applications has a significant positive effect on consumptive behavior, as rapid access to credit creates a perception of greater purchasing power and encourages impulsive spending to satisfy lifestyle and social prestige. Simultaneously, limited financial literacy combined with easy access to digital credit significantly increases consumptive lifestyles. The study concludes that improving financial management requires not only theoretical financial literacy but also practical financial discipline. Therefore, companies are encouraged to provide continuous financial education and develop safer internal financing alternatives to reduce workers' dependence on digital lending platforms.

This study aims to analyze the implementation of digital marketing in Sharia cooperative retail business units to increase sales volume. Advances in information technology have driven changes in consumer behavior, leading to an increasing reliance on digital media for product information and transactions. This situation requires Sharia cooperatives to adapt through the implementation of effective digital marketing strategies. This study employed a qualitative method with a case study approach. Data were obtained through observation, in-depth interviews, and documentation. The research informants consisted of cooperative administrators, retail business unit managers, and consumers who interacted with the cooperative's digital marketing media. Data analysis techniques used the Miles and Huberman model, which includes data reduction, data presentation, and conclusion drawing. The results show that the implementation of digital marketing through social media, WhatsApp Business, and digital promotions can expand market reach, enhance interaction with consumers, and drive increased sales volume. However, obstacles remain, including limited human resources and consistency in digital content management. Therefore, improving the digital competency of cooperative managers is necessary to optimize digital marketing strategies.

Irrational drug use remains a common health problem in the community, including the use of medications without following dosage instructions, discontinuation of treatment before completion, the use of antibiotics without prescriptions, and improper drug storage. These problems were also identified among residents of Candirejo Village, West Ungaran District, who still have limited knowledge regarding the safe use of daily medications. This community service activity aimed to improve public knowledge and awareness regarding rational and safe medication use. The implementation methods included program socialization, health education sessions, distribution of educational media in the form of leaflets and posters, and evaluation through question-and-answer sessions and simple quizzes. Educational materials covered how to read medication labels, proper dosage and duration of use, differences between over-the-counter drugs and prescription drugs, risks of antibiotic misuse, and proper medication storage methods. The results of the activity showed an increase in community understanding regarding medication use instructions, the importance of reading labels, the dangers of using antibiotics without prescriptions, and correct drug storage practices. Participants also demonstrated high enthusiasm and active participation during the activities. This program is expected to improve community health literacy and encourage more appropriate, safe, and responsible medication use behavior in daily life.

This study aims to examine the role of Ahlussunnah wal Jama'ah (Aswaja) An-Nahdliyah in strengthening religious moderation among young people amid increasingly complex, pluralistic, and digitalized societies. Globalization, advances in information technology, and easy access to diverse religious perspectives through digital media have influenced the religious attitudes and behaviors of younger generations, highlighting the need to reinforce moderate religious values. Aswaja An-Nahdliyah promotes the principles of tawassuth (moderation), tasamuh (tolerance), tawazun (balance), and i'tidal (justice) as the foundation for social, national, and civic life. This study employed a qualitative approach using a library research method. Data were collected from books, scientific articles, official documents, and relevant literature on Aswaja An-Nahdliyah and religious moderation. The data were analyzed using content analysis to identify the contribution of Aswaja values in fostering moderate attitudes among young people. The findings indicate that Aswaja An-Nahdliyah plays a strategic role in internalizing inclusive, contextual, and tolerant Islamic values through formal and non-formal education, youth organizations, religious study groups, and digital media. The implementation of these values enhances tolerance, respect for diversity, patriotism, and critical awareness among young people in confronting radical and intolerant ideologies, thereby supporting the development of a harmonious and peaceful pluralistic society.

The quality of Catholic Religious Education learning is an important aspect in shaping students’ faith, character, knowledge, and religious life skills. However, the learning process at SMK Negeri 1 Talibura still faces various challenges, particularly in the areas of spiritual attitudes, social attitudes, Catholic religious knowledge, and religious life skills. This study aims to describe the implementation of the Independent Learning Curriculum (Merdeka Belajar Curriculum) and its contribution to improving the quality of Catholic Religious Education learning at SMK Negeri 1 Talibura. The research employed a qualitative approach with a descriptive research design. Data were collected through observations, interviews, and documentation involving the principal, Catholic Religious Education teachers, students, and parents. Data analysis was conducted through data reduction, data presentation, and conclusion drawing. The results show that the implementation of the Independent Learning Curriculum has been carried out effectively through learning planning, learning implementation, learning assessment, and the Pancasila Student Profile Strengthening Project (P5). This implementation has had a positive impact on the learning process, outputs, and outcomes. Students demonstrated improvements in spiritual attitudes, social attitudes, Catholic religious knowledge, and religious life skills, as well as positive behavioral changes in their daily lives. The findings imply that the Independent Learning Curriculum can serve as an effective strategy for improving the quality of Catholic Religious Education learning in a holistic manner.

Religious values play an essential role in shaping students' character and behavior through the practice of faith, worship, and moral conduct in everyday life. This study aims to analyze the efforts of Islamic Religious Education teachers in improving students' religious values at Nurul Ilmi Islamic Elementary School, Pengabuan Village, Abab District, Penukal Abab Lematang Ilir Regency (PALI), as well as to identify the supporting and inhibiting factors encountered during the process. The study employed a qualitative approach with a descriptive method. Data were collected through observations, interviews, and documentation, while data analysis followed three stages: data reduction, data presentation, and conclusion drawing. The findings reveal that teachers enhance students' religious values through several strategies, including habituation of worship practices, providing religious advice, serving as role models, utilizing school literacy media, and implementing the 5S culture (Smile, Greeting, Salutation, Politeness, and Courtesy). Supporting factors include the consistent implementation of religious programs, effective collaboration among teachers, parents, and the community, as well as adequate educational facilities. Meanwhile, the main obstacles include students' limited awareness of religious values, unfavorable social environments, insufficient cooperation between schools and families, the negative influence of technology and social media, and peer pressure. The study concludes that strengthening students' religious values requires continuous collaboration between schools, families, and communities, supported by consistent educational programs and exemplary teacher behavior to foster students' spiritual and moral development.

This study aims to examine the strategic role of teachers in instilling anti-corruption educational values in elementary school (SD/MI) students in the digital era. Employing a descriptive qualitative approach, data were collected through in-depth interviews with five SD/MI teachers in Karawang Regency conducted in May 2026. Findings reveal that all informants possess adequate conceptual understanding of anti-corruption education as a character-building process rather than mere knowledge transmission. Teachers perform three principal functions: as behavioral role models, value-based learning facilitators, and collaborative partners with families. Implemented strategies include exemplary conduct, habituation, cross-subject value integration, and utilization of digital media such as educational videos, animations, and interactive quizzes. However, implementation faces significant obstacles, including social media normalizing dishonest behavior, instant-gratification tendencies among students, and weak synergy between schools and family environments. This research affirms that successful internalization of anti-corruption values requires consistent teacher exemplarity, a conducive school ecosystem, robust digital literacy, and sustainable tri-center educational collaboration. Practical implications include the necessity of strengthening teachers' pedagogical competencies in designing character-based learning that is adaptive to the dynamics of the digital era.

This study is grounded in the observation that online game addiction has emerged among learners at SMP Muhammadiyah Bantul. In the present digital era, playing games through the internet has become tightly woven into adolescents' everyday routines. Easy accessibility together with the broad spectrum of entertainment provided has pushed the popularity of online games upward. However, immoderate engagement may foster addictive patterns that adversely affect students' academic performance, social interaction, physical condition, and mental well-being. Hence, a workable intervention is required to lower the level of dependence. The purpose of this research is to decrease learners' online game addiction by means of group counseling services that draw on the Cognitive Behavioral Therapy (CBT) framework combined with cognitive restructuring techniques. A one-group pretest-posttest experimental scheme was adopted in this work. The findings reveal a notable reduction in the students' online game addiction scores, evidenced by the paired sample t-test significance value (two-tailed) of 0.000, which falls below 0.05. It can therefore be inferred that group counseling rooted in the Cognitive Behavioral Therapy approach with cognitive restructuring techniques is effective for reducing online game addiction in seventh-grade learners at SMP Muhammadiyah Bantul.

The high number of elderly people has led to various health problems that must be faced. However, there are still elderly people who are reluctant to carry out regular physical activity, so the health status and quality of life of the elderly also decline. Aims: This systematic review aims to identify the relationship between social cognitive theory (SCT) on physical activity in the elderly. Methods: This systematic review method approach is based on PRISMA. This systematic review examines several research articles from journal databases, namely PubMed and ScienceDirect, and obtained 13 articles in 2019-2024. The keywords used in the search are “Social Cognitive Theory”, “SCT”, “Physical Activity”, “PA”, and “Elderly”. The articles reviewed met the inclusion criteria, namely relevant article topics, original research articles in English, and publications in the last five years. The eligibility criteria were then assessed separately using the JBI Critical Appraisal Checklist tool.  Results: From a total of 13 articles reviewed, it can be concluded that the majority of articles explain how important the social cognitive patterns that elderly people must have in relation to the physical activity of the elderly, such as predicting the physical activity of the elderly, increasing the exercise behavior of the elderly, influencing the level of physical activity for people with chronic diseases, and adjusting physical activity with the abilities of the elderly. The higher an elderly person's social cognition, self-efficacy, encouragement, and social support to be able and willing to carry out physical activities in accordance with the elderly's abilities and physical condition. Conclusion: The social cognition of the elderly places more emphasis on the ability of the elderly to learn things around them, so that the elderly have self-efficacy, encouragement, and social support to do things in according to their goals and beliefs. Health workers in provide health services to the community, social cognitive theory can be used for alternative to increase the physical activity of the elderly. A personalized smartphone-based intervention based on SCT is highly effective for promoting physical activity in older adults.  

Political disinformation has become one of the most critical challenges in contemporary digital democracies due to the rapid expansion of social media ecosystems. This study investigates the effectiveness of machine learning approaches in detecting political disinformation across online platforms such as Twitter, Facebook, and political discussion forums. Using a qualitative research design with a content analysis approach, the study examines linguistic manipulation, emotional narratives, sentiment polarity, and behavioral communication patterns embedded in misleading political content. The findings indicate that deep learning models, particularly Long Short-Term Memory (LSTM) architectures, demonstrate superior performance in identifying contextual and semantic inconsistencies compared to traditional machine learning algorithms. The study also reveals that algorithmic amplification, echo chambers, and coordinated bot activities significantly contribute to the rapid spread of political misinformation. Furthermore, the research highlights the importance of ethical artificial intelligence governance, transparency, and digital literacy in strengthening democratic resilience and protecting information integrity within digital communication environments

Schizophrenia is a mental disorder characterized by deviation in attitudes, thoughts and behaviors, and can cause positive and negative symptoms. One of the most frequently occurring negative symptoms is social withdrawal, which leads to the problem of Social Isolation: Withdrawal. Social isolation is a condition that causes individuals to experience a decline or even inability to interact with others and their environment. The purpose of this case study was to apply nursing care to patients with social isolation: withdrawal due to undifferentiated schizophrenia in Gatotkaca Ward of RSJD dr. Amino Gondohutomo, Central Java Province. This scientific paper was written using a descriptive method in the form of a case study through the nursing process approach. Data collection methods used were interview, observation, documentation study, and literature study. Nursing diagnoses that emerged in the patient with Social Isolation: Withdrawal were Social Isolation as the Core Problem, Low Self-Esteem as the Cause, Risk of Hallucination as the Effect, and Self-Care Deficit as a concurrent problem. Interventions were only carried out on Social Isolation and Self-Care Deficit problems, consisting of SP 1 through SP 3 for Social Isolation and SP 2 for Self-Care Deficit: Grooming. After nursing implementation for 4 days, of the 4 nursing diagnoses that emerged, only 2 nursing diagnoses were intervened, namely Social Isolation and Self-Care Deficit. SP 1 through SP 3 for Social Isolation and SP2 for Self-Care Deficit: Grooming were competently achieved. This indicates that the goals of the Implementation Strategy provided were achieved cognitively, affectively, and psychomotorically.

As the oldest Islamic educational institutions in Indonesia, Islamic boarding schools (pesantren) play a crucial role in shaping the character, morals, and intellect of the community, thus ensuring leadership is a key factor in maintaining the institution's sustainability and development. This study aims to analyze the characteristics and development of Islamic educational leadership in the history of Islamic boarding schools in the archipelago. The method used is qualitative research with a literature study approach through the review of various books, journals, and relevant scientific sources. The results of the study indicate that Islamic boarding school leadership was initially dominated by the charismatic, religious, and exemplary leadership style of the kiai. Over time, this style has transformed into a more adaptive and professional leadership style without abandoning Islamic values, such as trustworthiness, deliberation, sincerity, and exemplary behavior. The leadership of the kiai remains a central element in the management of Islamic boarding schools and plays a role in maintaining the balance between tradition and modernization. The implications of this study indicate that the pesantren leadership model, which integrates religious, social, and managerial values, is highly relevant in facing contemporary educational challenges and supporting the sustainable development of Islamic educational institutions.