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Good study habits are an important factor in achieving success in elementary school learning. However, based on observations in class 3 of SDN 1 Bugel, it was found that students still show less disciplined behavior during the learning process, especially during group activities, such as talking without permission, not paying attention, and not following classroom rules. This study aims to improve students' study discipline in grade 3 of SDN 1 Bugel by using the Star Rewards system within the cooperative learning model called Numbered Heads Together (NHT). This study uses the Classroom Action Research (PTK) approach with a two-cycle design following the Kemmis and McTaggart model. The research subject is 17 third-grade students from SDN 1 Bugel. Data collection was done through observation, questionnaires, documentation, field notes, and interviews. Data analysis was done using both quantitative and qualitative descriptive techniques. The research results show that using the Star Rewards system in cooperative learning type NHT has significantly improved students' discipline in studying. The average score on the discipline questionnaire increased from 69.5 in cycle I to 85.5 in cycle II, showing an increase of 16.03 points. The minimum score for students has gone up from 50 to 75, showing that all students have improved in terms of discipline. Giving positive reinforcement through stars has been proven to motivate students to be more disciplined, focused, and responsible during learning. This finding suggests that combining the NHT model with the Star Rewards system can be an effective strategy for helping build discipline in elementary school students.

Islamic boarding schools (pesantren) are no longer viewed solely as religious educational institutions but also as socio-economic entities that play a strategic role in community empowerment and the development of the Islamic economy. The emergence of various pesantren business units, including Islamic cooperatives, Islamic microfinance institutions, agribusinesses, and service enterprises, reflects the transformation of pesantren into productive and economically independent institutions. However, many pesantren continue to face challenges in achieving economic sustainability, including weak governance systems, limited managerial professionalism, inadequate human resources, and excessive dependence on charismatic leadership. This study aims to develop a conceptual model of pesantren business governance based on Islamic governance principles to achieve institutional economic sustainability. Using a qualitative approach and library research method, this study analyzes relevant literature on pesantren economics, Islamic governance, sustainability, and risk management. The findings indicate that sustainable pesantren economic development requires the integration of Islamic governance values, namely amanah (trustworthiness), transparency, justice, and maslahah (public benefit), with modern management systems and comprehensive risk management practices. The study proposes a conceptual governance framework linking pesantren resources, sharia governance, professional management, and risk mitigation as key determinants of economic independence and institutional sustainability. This framework is expected to provide strategic guidance for strengthening pesantren-based economic development in a sustainable and socially beneficial manner.

This study aimed to improve students' speaking skills in news text learning through the implementation of the Two Stay Two Stray (TSTS) learning model. The research employed Classroom Action Research (CAR) conducted in two cycles involving Grade VIII students of SMP Negeri Satu Atap Kujiratu. Data were collected through observation, performance assessment, and learning outcome tests. The findings indicated that the application of the TSTS model contributed positively to students’ speaking skills and learning outcomes. In Cycle I, 16 students achieved mastery learning, while 13 students did not, with a class average score of 43.15. In Cycle II, learning outcomes improved, with 18 students achieving mastery learning and 11 students not yet meeting the minimum criteria, resulting in an average score of 73.11. The improvement was supported by increased student participation, confidence in expressing ideas, and collaborative interaction during group discussions. The study concludes that the Two Stay Two Stray learning model is effective in enhancing students’ speaking skills in news text learning and can serve as an alternative cooperative learning strategy in Indonesian language instruction.

This research aims to analyze the gap between the profit-sharing principle as the normative foundation of Islamic economics and the risk management practices applied in sharia cooperatives, considering the ongoing inconsistencies in the implementation of the risk-sharing principle. The research method employs a qualitative approach thru literature study with thematic and comparative analysis techniques on relevant academic literature. The results and discussion indicate that sharia cooperatives tend to adopt a conventional risk management paradigm oriented toward institutional stability, thereby triggering the dominance of non-profit-sharing contracts and the shift of the concept of risk sharing to risk shifting in operational practices. The gap is influenced by structural factors, including limitations in managerial capacity, information asymmetry, potential moral hazard, and pressures of institutional sustainability. This study concludes that the risk management practices of sharia cooperatives do not fully reflect the principles of Islamic economics, thus necessitating a reconstruction of a more integrative and contextual risk management model. As a suggestion, sharia cooperatives need to develop a risk management framework based on risk sharing that is adaptive to operational risks without disregarding the values of justice and partnership as the main characteristics of Islamic economics.

This study examines the implementation of Environmental, Social, and Governance (ESG) principles as a sustainability instrument for consumer cooperatives from the perspective of Islamic economics. Consumer cooperatives, as people-based economic institutions, face significant challenges in maintaining sustainability amid rapid economic transformation and increasing demands for corporate accountability. ESG, as a global framework for measuring sustainability performance, is considered relevant to the values of Islamic economics which emphasize justice, transparency, social benefit, and environmental responsibility. This research uses a qualitative approach through literature study and document analysis to formulate a conceptual model of ESG implementation in consumer cooperatives based on Islamic economic principles. The findings show that ESG dimensions are in line with maqashid al-syariah, namely the protection of religion, life, intellect, lineage, and property. Environmental aspects correlate with the stewardship principle of khalifah fil ardh, while social aspects align with the concept of takaful ijtima’i, and governance reflects the values of amanah and shura. This study offers a conceptual framework for integrating ESG within the cooperative institutional governance system as a strategic step toward sustainable and equitable economic development.

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.

This study aims to implement the Cooperative Integrated Reading and Composition (CIRC) learning model to improve collaboration skills and learning outcomes among phase E students in class X-3 at SMA Katolik 2 Kabanjahe in Catholic Religious Education. This research employed Classroom Action Research conducted in two cycles, consisting of planning, implementation, observation, and reflection stages. Data were collected through observation sheets, learning outcome tests, and documentation, then analyzed using descriptive qualitative analysis supported by process and learning achievement indicators. The findings showed that the implementation of the CIRC learning model improved across learning stages, including orientation from 87% to 95%, organization from 90% to 97%, concept introduction from 87% to 92%, publication from 93% to 98%, and reflection and reinforcement from 87% to 98%. Students’ collaboration skills also increased in each indicator, namely working productively from 75% to 88%, actively participating in problem solving from 82% to 88%, maintaining a balance between listening and speaking from 76% to 86%, appreciating group members’ contributions from 73% to 87%, and demonstrating responsibility as group members from 77% to 93%. Learning outcomes also improved, as shown by the increase in the proficient category from 27% to 77%, while the basic and developing categories decreased to 0% in cycle II. These results indicate that CIRC effectively enhances students’ active participation, collaboration, responsibility, and learning achievement. Therefore, CIRC is recommended as an alternative collaborative learning model for Catholic Religious Education, particularly in strengthening cooperative interaction and meaningful understanding of religious learning materials in classroom practice.

This study aims to describe Sundanese language learning discourse in the eleventh grade at SMA Negeri 8 Bandung city based on the components of learning discourse. The study employed a qualitative approach with a descriptive method. Data were collected through observation using the non-participatory observation method (SBLC) and recording techniques. The data consisted of recorded utterances during Sundanese language learning activities, which were then transcribed into written form. Data analysis was conducted using content analysis and hermeneutic techniques. The results showed that the learning process consisted of opening, core, and closing activities using the Cooperative Learning model. The components of learning discourse identified included opening and closing conversations, participant cooperation, speech acts, and the nature of utterance sequences. The interaction demonstrated the use of quantity and quality maxims, locutionary, illocutionary, and perlocutionary speech acts, as well as chained utterance sequences in the form of question-and-answer interactions between teacher and students. The findings also revealed that the learning process tended to be teacher-centered, as the teacher was more dominant in directing classroom interaction, although the communication remained interactive and supported the achievement of learning objectives.

Students’ low critical thinking skills in mathematics remain a persistent issue, largely due to teacher-centered instructional practices that limit student participation and hinder deep conceptual understanding. To address this problem, a more engaging learning approach is required, such as the Student Teams Achievement Divisions (STAD) cooperative learning model. This study aims to examine whether students taught using the STAD model demonstrate higher critical thinking abilities than those taught through direct instruction in social arithmetic topics. The research employed an experimental method with a quantitative approach, using a posttest-only control group design. The sample consisted of two classes: an experimental group and a control group. Data were collected through essay-based tests designed to measure students’ critical thinking skills. The analysis involved prerequisite testing and hypothesis testing using an independent sample t-test. The findings revealed that the calculated t-value (2.033) exceeded the t-table value (2.00958) at a 0.05 significance level, indicating a significant difference. Therefore, the STAD model proves more effective in enhancing students’ critical thinking skills.

This study aims to analyze the implementation of civic responsibility among Street Vendors (PKL) in the implementation of Bandung City Regional Regulation Number 11 of 2024 concerning the Arrangement and Empowerment of Street Vendors. The study employed a qualitative approach using a case study method in the Jalan Saparua area, Bandung City. Participants were determined through purposive sampling, including officers from the Civil Service Police Unit (Satpol PP), the Office of Cooperatives and SMEs, and street vendors. Data were collected through in-depth interviews, observation, and documentation studies, then analyzed using the interactive model of Miles, Huberman, and Saldaña. The results showed that the implementation of civic responsibility among street vendors has not been optimal, as reflected in the low understanding of regulations, weak legal awareness and social responsibility, and participation that tends to be conditional and pragmatic. These conditions still lead to violations of street vendor arrangement regulations in the research area. In addition, economic factors and the need to maintain livelihoods also influence the level of compliance of street vendors with regional regulations. Therefore, educational, participatory, and empowerment-based handling strategies are needed to achieve sustainable compliance and create urban order and environmental comfort.  

Group-based learning in the classroom plays a vital role in enhancing social interaction, individual responsibility, as well as students' critical thinking and collaborative skills. However, its implementation often faces challenges such as the dominance of certain members, social loafing, low participation, and interpersonal conflicts that hinder group effectiveness. This study aims to comprehensively examine the dynamics of learning groups by integrating four key aspects: the concept of group dynamics based on the Tuckman model, the characteristics of effective groups in cooperative learning, group formation techniques, and conflict management strategies. The research utilizes a qualitative approach with a literature study method, analyzing 25 sources including nationally accredited journals, academic books, and theses published between 2020 and 2024. Data analysis was conducted through reduction, thematic classification, content analysis, and conceptual synthesis. The results indicate that effective group dynamics can be achieved through the Tuckman stages, the application of the five elements of cooperative learning, the selection of appropriate group formation techniques with risk mitigation, and the implementation of the Thomas-Kilmann conflict management styles.The scientific contribution of this research is the development of an integrative model based on these four aspects, which serves as a conceptual framework to strengthen collaborative learning practices in the classroom. Practical implications include the formation of ideal groups consisting of 4–5 students, the establishment of initial group contracts, the use of dual assessment rubrics (individual and group), and peer evaluation mechanisms to enhance accountability and reflection.

This study aims to analyze the service quality of the issuance of the Job Seeker Card (AK-1) at the Department of Manpower, Cooperatives, and Small and Medium Enterprises of Gorontalo City This study focuses on the five dimensions of service quality based on the SERVQUAL model Tangibles, Reliability, Responsiveness, Assurance, and Empathy The study is conducted based on the decline in the number of job seeker card service users year over year, indicating issues with service quality This study employs a qualitative, descriptive approach Data collection techniques include observation, interview, and documentation Data analysis uses the Miles and Huberman model, which consists of data reduction, data display, and conclusion drawing. The findings show that the service quality at the Department of Manpower. Cooperatives, and Small and Medium Enterprises of Gorontalo City is generally not yet optimal In terms of tangibles, service facilities still need improvement, particularly in the comfort of service rooms In terms of empathy officers have shown concern for the community, but it is not yet consistent across all service situations Responsiveness is considered fairly good, although delays in the service process still occur In terms of reliability, services are not yet fully consistent in providing accurate, precise results Meanwhile, in terms of assurance, officers provide polite and fairly convincing services, although their competence still needs Improvement The conclusion of this study indicates that the service quality of the issuance of the Job Seeker Card at the Department of Manpower Cooperatives, Small and Medium Enterprises of Gorontalo City Still requires improvement, particularly in enhancing facilities, human resource competence and service consistency to increase public satisfaction.

This study aims to explore the socio-economic structures underlying the economic behavior of chili farmers in Batudaa Pantai Subdistrict, Gorontalo Regency, with a focus on patron-client relationships as a rational coping mechanism. Using a mixed-methods approach with 60 proportionally selected respondents, this study analyzes how asymmetries in access to capital and markets create a weak bargaining position for farmers. The findings reveal a “stability paradox”: although quantitative risk analysis using the Coefficient of Variation (CV) indicates low levels of production, cost, and income risk (CV < 0.5), farmers remain trapped in a price-taker position. Relationships with middlemen (tengkulak) have transformed from mere economic transactions into social bonds of “debt of gratitude.” For farmers, patrons serve as providers of emergency liquidity and market guarantors amid horticultural price volatility. However, this systemic dependence hinders economic independence and capital accumulation at the producer level. This study recommends institutional restructuring through a new cooperative model capable of assuming the patron’s role more equitably to break the chain of structural dependence.

The current research examines the effect of the Student Teams Achievement Division (STAD) cooperative learning model on Indonesian language outcomes among sixth-grade students at SD Negeri 106805 Manunggal. Operating within a quantitative framework, this quasi-experimental research utilized a non-equivalent control group design. The sample comprised 50 students, classified into a control group (23 students) and an experimental group (27 students). Data collection involved observations, documentation, alongside pretest and posttest scores. The 10-item essayThe instrument achieved a high level of reliability, with Cronbach’s Alpha coefficients of 0.700 on the pretest and 0.807 on the posttest. Diagnostic tests confirmed the data were normal and homogeneous. The experimental group achieved a substantial learning improvement of 42.04, significantly outperforming the control group's gain of 17.39. The independent sample t-test yielded a critical significance value of 0.000 < 0.05, confirming that the STAD model exerts a significant and positive influence on student’s indonesian language achievement.

This study aims to improve students’ learning outcomes through the implementation of the cooperative learning model of Student Teams Achievement Division (STAD) in the Pancasila Education subject for class VIII A at SMP Muhammadiyah Singaraja. This research employed a Classroom Action Research (CAR) design conducted in two cycles. Each cycle consisted of four stages: planning, action, observation, and reflection. The research subjects were 29 students of class VIII A. Data were collected using learning achievement tests and observation sheets. The collected data were analyzed using descriptive quantitative techniques to evaluate students’ academic progress during each cycle. The findings indicate that the implementation of the STAD learning model contributed positively to improving students’ learning outcomes, participation, and engagement in classroom activities. Therefore, the STAD cooperative learning model can be considered an effective instructional strategy for enhancing learning achievement in Pancasila Education.

This study focuses on examining the effect of using the cooperative learning model type Teams Games Tournament (TGT) assisted by Kahoot in optimizing students’ problem-solving skills. The research method applied was Classroom Action Research (CAR), conducted through several cycles with stages including planning, action implementation, observation, and reflection. The subjects of this study were students of class X.B at SMA Negeri 2 Singaraja. The results of the study indicate a significant improvement in students’ problem-solving abilities after the implementation of the TGT model assisted by Kahoot. In cycle II, the students’ average score reached 88.15, with a learning mastery level of 84.21%. Therefore, it can be concluded that the majority of students had met the minimum learning mastery indicators. In addition, the learning process became more active, interactive, and enjoyable, which increased student engagement in the classroom. In conclusion, the cooperative learning model Teams Games Tournament (TGT) assisted by the Kahoot application has a positive impact on improving students’ problem-solving abilities. Therefore, the use of game-based digital learning models and media is recommended to enhance the quality of both the learning process and learning outcomes.

The retention of customers in the retail banking sector is a critical economic imperative; however, predictive modeling is frequently hindered by severe class imbalance and the “Black Box” nature of complex algorithms. This study proposes a Heterogeneous Stacking Ensemble framework integrating XGBoost, CatBoost, and Random Forest base learners with a Logistic Regression meta-learner to forecast customer attrition. To overcome the pervasive “Majority Class Bias,” we introduce a “Dual-Imbalance Defense” that synergizes the Synthetic Minority Over-sampling Technique (SMOTE) with algorithmic cost-sensitive penalization. Furthermore, moving beyond standard accuracy metrics, the framework mathematically derives a dynamic classification threshold to guarantee a strict 0.90 recall rate, actively optimizing the capture of at-risk capital. Model opacity is addressed through the integration of a SHapley Additive exPlanations (SHAP) TreeExplainer. This cooperative game theory approach provides localized, patient-level “Reason Codes” for regulatory compliance and reveals global systemic vulnerabilities, including non-linear drivers such as the “Product Paradox.” Achieving a 0.90 recall rate and an AUC of 0.8654, this framework provides a statistically robust and operationally transparent tool for targeted customer retention.

This study aims to analyze the model of cooperative member empowerment at the Credit Union Savings and Loan Cooperative Bahtera Sejahtera, Kewapante Service Unit, with a focus on two main indicators: cooperative member empowerment and efforts to prevent non-performing loans. The research employed a descriptive qualitative approach, with data collected through observation, interviews, and documentation. The results of the study indicate that the management of the Credit Union Savings and Loan Cooperative Bahtera Sejahtera, Kewapante Service Unit, has implemented an empowerment model based on enhancing members’ capacities through various programs, including basic education, financial literacy training, specialized education, entrepreneurship education, refresher training, the formation of territorial groups and assisted member groups, as well as mentoring for business groups. Although there is not yet a formal theoretical framework or binding regulation governing the empowerment model implemented, the empowerment practices carried out by the cooperative have contributed to improving members’ capacities in managing their finances and businesses, particularly for members experiencing non-performing loans. This finding demonstrates that the cooperative member empowerment model implemented at the Credit Union Savings and Loan Cooperative Bahtera Sejahtera, Kewapante Service Unit, serves as a strategic instrument in preventing the occurrence of non-performing loans.

This research examines the innovation of community empowerment rooted in local wisdom for environmental management and green economy advancement in Ketegan Village, Taman District, Sidoarjo Regency. The study stems from the increasing environmental issues resulting from urban development and the limited public understanding of sustainable economic measures. The research examines how local values—like cooperative efforts and social responsibility—can be incorporated into innovative, economically effective environmental management frameworks. Employing a qualitative descriptive method, data collection involved in-depth interviews, participatory observation, and the documentation of environmental policies and socio-economic information. The results indicate that residents of Ketegan have effectively created an empowerment model that integrates tradition and innovation via waste bank management, the use of organic waste for compost and biogas, and community-driven green economy projects engaging women and youth. Cooperation between the government, community, and universities has been essential in maintaining these initiatives. However, institutional capability, online marketing, and program viability continue to pose considerable obstacles. The research suggests enhancing community potential by providing training in green entrepreneurship, facilitating digital transformation, and incorporating local wisdom principles into sustainable development strategies. The results confirm that innovation rooted in local wisdom can effectively create resilient, competitive, and environmentally aware communities.

Learning media is a tool that can be used to help students learn better and more efficiently. The media used in SMP Negeri 23 Pekanbaru is a teacher-centered picture/poster media so that students quickly get bored, and because of the limited media from the school. Most students prefer learning that involves them directly such as the element of games. The learning models used are discovery, PBL, and lecture models, and student learning activities are still lacking or less active in science learning. The purpose of this study is to develop learning media in the form of a cooperative-based snakes and ladders game with the Teams Games Tournament (TGT) type which aims to train student learning activities. The research method used is Research and Development (R&D) by implementing the ADDIE model which consists of five stages, namely Analyze, Design, Development, Implement, and Evaluation. Based on the validation results obtained, media experts were 94% with very feasible criteria, material experts were 92% with very feasible criteria, teachers gave a practicality assessment of 95% with very practical criteria, and students' responses were 85% with very interested criteria. This shows that the snakes and ladders media based on Teams Games Tournament (TGT) is very reasonable, very practical to use, and very interesting for students during the learning process. The results of observations on all student learning activities showed that 79% got a good interpretation.