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Kecurangan (fraud) di sektor perbankan daerah merupakan ancaman serius yang dapat merugikan keuangan negara dan menurunkan kepercayaan publik. Penelitian ini bertujuan menganalisis kasus korupsi pengadaan iklan pada Bank Pembangunan Daerah Jawa Barat dan Banten (Bank BJB) menggunakan pendekatan Fraud Triangle Theory yang mencakup tiga elemen utama: tekanan (pressure), kesempatan (opportunity), dan rasionalisasi (rationalization). Metode yang digunakan adalah pendekatan kualitatif dengan studi kasus, didukung oleh studi literatur dari berbagai sumber ilmiah yang relevan. Hasil analisis menunjukkan bahwa kasus Bank BJB mencerminkan interaksi ketiga elemen Fraud Triangle secara simultan. Tekanan bersumber dari kebutuhan dana non-budgeter yang besar dalam pengelolaan anggaran promosi senilai Rp409 miliar. Kesempatan muncul akibat lemahnya sistem pengendalian internal, tidak adanya verifikasi dokumen yang memadai, serta penyimpangan dalam proses pengadaan. Rasionalisasi terbentuk melalui persepsi pelaku bahwa praktik tersebut merupakan hal yang lazim dalam lingkungan birokrasi dan korporasi. Penelitian ini berkontribusi pada pengembangan pemahaman teoritis dan praktis terkait pencegahan fraud di lembaga keuangan daerah Indonesia, khususnya melalui penguatan tata kelola perusahaan dan sistem pengawasan internal.

Embroidery is one of Indonesia’s traditional craft arts that has developed over time and continues to attract people from various social backgrounds. Embroidery techniques are commonly applied to fashion products as well as household items. The diversity of embroidery motifs and techniques provides aesthetic value and uniqueness to each product, making embroidery an important element in the development of the fashion industry. This opportunity can encourage students of the Fashion Design Program at AKS Ibu Kartini to develop their entrepreneurial potential through creativity in manual embroidery. This study employed a quantitative approach using multiple linear regression analysis as the data processing technique to determine the influence of internal factors on the entrepreneurial motivation of Fashion Design students at AKS Ibu Kartini. The research sample consisted of 65 respondents. The findings revealed that, simultaneously, the four independent variables had a significant effect on entrepreneurial motivation, with a coefficient of determination (R²) value of 0.910. This indicates that 91% of the variation in entrepreneurial motivation can be explained by technical knowledge (X1), technical skills (X2), creativity and innovation (X3), and entrepreneurial mindset (X4), while the remaining 9% is influenced by other factors outside this study. Partially, variables X1, X2, and X4 showed a positive and significant effect on entrepreneurial motivation, whereas X3 demonstrated a negative and significant effect. This finding indicates that creativity without market orientation may reduce students’ motivation to engage in entrepreneurship. The implications of this study emphasize the importance of improving students’ knowledge, skills, and entrepreneurial mindset. Furthermore, proper guidance is needed to ensure that students’ creativity and innovation are aligned with market demands in order to optimally enhance entrepreneurial motivation.

Aromatherapy is the use of essential oils derived from natural materials to improve physical and psychological well-being. One of the most popular aromatherapy products is the aromatherapy candle, which provides relaxation while creating a comfortable atmosphere. This study aimed to develop aromatherapy candles based on agarwood (Aquilaria malaccensis) leaf extract, evaluate product quality, analyze public acceptance, and identify their potential as an entrepreneurial opportunity. This study employed an experimental method with a descriptive approach. The research stages included the extraction of agarwood leaves through a distillation process, the formulation of aromatherapy candles, product validation by three experts using sensory evaluation, and a public acceptance test involving 40 respondents using a Likert-scale questionnaire. The results showed that the third experiment produced the best extract characteristics, including a golden-yellow color, a stronger distinctive agarwood aroma, and an oily texture. The public acceptance test indicated that the average scores for color, texture, ease of use, and aroma were 3.16, 2.90, 3.42, and 3.02, respectively, which were categorized as good to very good. These findings demonstrate that agarwood leaf extract has the potential to be used as an alternative ingredient in the production of aromatherapy candles, in addition to receiving a high level of public acceptance, the product possesses economic value and can be developed as an innovative product and entrepreneurial opportunity in the beauty, spa, wellness, and creative industries.

Patient satisfaction with healthcare services remains a major concern in the delivery of healthcare. The behavior of healthcare workers, including friendliness, politeness, and communication skills, plays an important role in improving patient satisfaction. Preliminary data indicated that the number of BPJS patient visits at BLUD UPTD Puskesmas Mokoau had decreased annually, while the results of the patient satisfaction survey were still not optimal because several health programs had not achieved the targeted service standards. This study aimed to analyze the relationship between the quality of healthcare services and BPJS patient satisfaction in the working area of Puskesmas Mokoau in 2025. This research applied a quantitative method with a descriptive-analytic approach using a cross-sectional study design. The study involved 306 respondents selected through a random sampling technique, ensuring that each member of the population had an equal opportunity to be chosen as a research sample. Data were collected using questionnaires and analyzed through the Chi-Square test. The findings revealed significant relationships between facilities, procedures, interaction, and communication with BPJS patient satisfaction, with each variable obtaining a P-value of 0.000 (<0.05). Therefore, the quality of healthcare services is closely associated with the level of patient satisfaction, indicating that healthcare workers need to improve service quality effectively and professionally.

Christian religious education teachers act as agents of social, spiritual, and cultural transformation by integrating Christian values ​​into the lives of communities that are still strongly bound to ancestral customs and beliefs. The transformation of customs through contextual evangelism is both a challenge and an opportunity for Christian religious education (PAK) teachers in carrying out their roles as educators and servants of God in a pluralistic society. This study aims to analyze the strategic steps of PAK teachers in integrating Gospel values ​​with local culture without eliminating the identity of the Christian faith or damaging the noble values ​​of customs. The research method used is a qualitative approach and literature study. The results of the study indicate that PAK teachers need to have three main strategic steps, namely contextual understanding by studying in depth the values, symbols, and practices of local customs, a transformational approach, namely presenting Gospel values ​​through education that respects culture but leads to renewal of life and pedagogical implementation through creative and reflective learning methods that foster students' awareness of faith and social responsibility. With this strategy, Christian Religious Education teachers can become agents of transformation, bridging the gap between Christian faith and local culture, ensuring that evangelism is not confrontational but contextual, dialogical, and builds lives rooted in the love of Christ.

The term "breach of contract" in contract law refers to a breach of promise. Discussions of breach of contract, both in doctrine and jurisprudence, are usually associated with a statement of negligence by the debtor, where the debtor has failed to properly fulfill their contractual obligations, and the debtor is at fault. It must be acknowledged that a breach of contract, or breach of promise, already involves bad faith on the part of the party failing to fulfill their promise. The meaning of "breach of contract" in banking law relates to the occurrence of problem loans at banks, which cause the loan to become non-performing. This is usually due to the debtor or customer not paying by the previously agreed payment date. The existence of a breach of contract is inseparable from the existence of a credit agreement. Whether a debtor is in default cannot be determined simply because there are efforts to rescue loans that have entered a problematic stage. The beginning of a violation of an agreement or default due to someone not being paid, in meeting the credit rescue standards at the bank, usually efforts are made such as Rescheduling, Reconditioning, Restructuring, through this rescue, the debtor is given the opportunity to lose his business, so the concept of default in BW and the Banking Law must be measured through the performance given, in both regulations, then from there the concept of problem credit can be classified. This banking regulation can be said to be a default, the comparison of this concept is the discussion in this thesis.

This research aims to analyze students' learning climate through the application of the Project Based Learning (PjBL) in mathematics learning in class II of Public Elementary School 002 Palembang. This study used a qualitative descriptive method with the study subjects of grade II students. Data collection techniques are conducted through observation, interviews, and documentation. Data analysis is conducted through the stages of data reduction, data presentation, and conclusions drawn. Research results show that the application of the PjBL model is able to form a more conducive learning climate, characterized by increased focus, attention, and student involvement in the learning process. In addition, interactions between students are becoming more directed, group collaboration is getting better, and activities that interfere with learning can be minimized. Project-based activities involving kinesthetic activities such as shearing and sticking help students become more active, creative, and easier to understand the concept of right triangles more concretely. Student-centered learning also provides an opportunity for them to learn independently and in groups so that the learning experience becomes more meaningful. Thus, the application of the PjBL model can be an effective learning alternative in creating an active, conducive, and enjoyable learning atmosphere for elementary school mathematics and supporting the achievement of learning goals optimally.

The increase in internet users in Indonesia presents a significant opportunity for business actors to market products through digital marketing, which allows transactions anytime and anywhere and influences purchasing decisions through complete and real-time product information. In addition, impulsive buying behavior, especially in areas like Ponorogo, which is rich in quality rice products with attractive discounts, also contributes to increased sales, impacting customer satisfaction, loyalty, and long-term customer value. Therefore, this study aims to examine the influence of digital marketing, product information, and impulse buying on purchasing decisions, as well as the ability of purchasing decisions to mediate the effect of digital marketing, product information, and impulse buying on marketing performance. This study uses a quantitative approach with a research sample of 104 respondents who are consumers of rice products in the Legi Ponorogo market. The data collection technique employed a questionnaire distributed online. The data analysis technique used is SEM PLS. The results of the study indicate that digital marketing and product information affect purchasing decisions, whereas impulse buying does not affect purchasing decisions. Furthermore, purchasing decisions have an impact on marketing performance. The results of the indirect effect show that purchasing decisions mediate the influence of digital marketing and product information on marketing performance, while purchasing decisions do not mediate the influence of impulse buying on purchasing decisions.

The development of digital technology has encouraged the transformation of the financial sector through the emergence of Sharia financial technology (fintech) as a financial service based on Islamic principles that emphasize justice, transparency, and public benefit (maslahah). The presence of various Sharia fintech products such as Sharia peer-to-peer (P2P) lending, Sharia crowdfunding, Sharia E-wallets, and digital ZISWAF (zakat, infaq, alms, and waqf) services is considered capable of increasing financial inclusion in Indonesia, especially for unbanked communities and MSMEs that have limited access to formal financial services. This study aims to analyze the innovation of Sharia fintech products, their role in increasing financial inclusion, and their conformity with the perspective of Islamic Economic Law. This research uses a qualitative method with a library research approach through collecting data from scientific journals, DSN-MUI fatwas, OJK and Bank Indonesia regulations, as well as various literature related to Sharia fintech published within the last five years. The data analysis technique was carried out descriptively and analytically by examining the concepts, implementation, and regulations of Sharia fintech in Indonesia. The results of the study indicate that Sharia fintech has a strategic role in expanding public access to financial services through the digitalization of financing, payments, and Islamic social fund collection. In addition to increasing Islamic financial inclusion and literacy, Sharia fintech also helps reduce transaction costs, facilitate MSME financing access, and expand the distribution of financial services to remote areas. From a Sharia perspective, the operation of Sharia fintech must continue to adhere to DSN-MUI fatwas and maqashid sharia principles in order to avoid elements of riba, gharar, and maisir and to create justice and public benefit for society. Therefore, Sharia fintech has a great opportunity to support the development of an inclusive and sustainable Islamic digital economy in Indonesia, although strengthening regulations, Sharia supervision, public education, and product innovation based on community needs are still required.

The Aceh Tamiang region was one of the areas affected by the hydrometeorological disaster. The disaster not only caused damage to community facilities and infrastructure but also left behind dead soil deposits that were poor in nutrients, dense in texture, and less productive for supporting agricultural and plantation activities. Research was conducted to examine strategies for utilizing dead soil after flooding by processing it with organic materials so that it could be converted into organic fertilizer with utility and economic value. This research aimed to find environmentally friendly land rehabilitation solutions, increase soil productivity, and open new business opportunities for disaster-affected communities. The results showed that the combination of flood sediment soil with organic materials significantly increased nutrient content, improved soil structure, increased water holding capacity, and accelerated the growth of test plants compared to untreated soil. Furthermore, this program provides dual benefits: on the one hand, it serves as a post-disaster land rehabilitation solution, and on the other hand, it serves as an opportunity for an organic fertilizer business that can reduce the community's dependence on relatively expensive chemical fertilizers. The implications of this research are not only limited to the technical aspects of agriculture but also touch on the socio-economic dimensions of the community. Utilizing dead soil as organic fertilizer can strengthen local economic resilience, increase farmer independence, and encourage the creation of environmentally friendly, sustainable agricultural systems. Therefore, this strategy can serve as an innovative model for addressing the impacts of hydrometeorological disasters in other areas facing similar challenges.

This study aims to analyze the political advocacy strategies employed by Jakarta Feminists in influencing the policy formulation process related to gender equality issues in Indonesia through various forms of social mobilization, including digital campaigns, public education, and collaboration with other civil society organizations. Jakarta Feminists emerged as a feminist collective actively advocating against policies deemed discriminatory against women and vulnerable groups. This study used a qualitative approach with a literature study method by Bogdan and Taylor as cited by Lexy J. Moleong. Data were obtained through literature studies from scientific journals, news, and social media content analysis. The analysis was conducted using Sidney Tarrow's social movement theory, with indicators of Political Opportunity Structure, Mobilizing Structures, Framing Processes, and Repertoires of Contention. The results show that Jakarta Feminists utilize political momentum, public issues, and digital spaces as strategies to expand support and pressure policymakers. In addition, the use of social media, the production of public knowledge, and collaboration with civil society organizations are forms of mobilization that strengthen the movement's advocacy capacity. Jakarta Feminists also successfully frame issues so that they are easy to understand. Collective action is also Jakarta Feminist's most iconic form of action and a consistent form of public pressure on the government each year. This study concludes that Jakarta Feminist's advocacy strategy demonstrates how feminist-based social movements can leverage political opportunities and mobilization structures to influence the discourse and direction of gender policy in Indonesia.

This study aims to analyze the effect of Knowledge Sharing and Knowledge Leakage on Supply Chain performance, with Monitoring Opportunity as a mediating variable at the Library Office of Mesuji Regency. The research problem arises from the limited structure of knowledge-sharing practices, weak documentation of organizational knowledge, and the potential risk of knowledge leakage that may disrupt the effectiveness of library service supply chains. This study employs a quantitative approach using a survey method. Data were collected through questionnaires distributed to 115 employees of the Library Office of Mesuji Regency and analyzed using Structural Equation Modeling based on Partial Least Squares with SmartPLS. The results show that Knowledge Sharing has a positive and significant effect on Supply Chain performance and Monitoring Opportunity. Knowledge Leakage does not have a significant direct effect on Supply Chain performance, but it has a negative and significant effect on Monitoring Opportunity. Furthermore, Monitoring Opportunity significantly mediates the relationship between Knowledge Sharing and Supply Chain performance, but does not mediate the relationship between Knowledge Leakage and Supply Chain performance. These findings indicate that knowledge sharing becomes more valuable when supported by monitoring capability, while knowledge leakage should be controlled through documentation, access control, and knowledge protection mechanisms. This study contributes to knowledge management and supply chain literature in public library service organizations.

The crisis of authority in global culture is a complex phenomenon reflecting a fundamental shift in how humans understand truth, values, and the sources of legitimacy of knowledge. This research focuses on the dynamics of epistemological change in global society influenced by digital technology, cultural relativism, and value pluralism. The main issue studied is how this crisis of authority influences the construction of truth and value systems in contemporary society, as well as its implications for social and spiritual life. The aim of this research is to develop an interdisciplinary analysis that integrates perspectives from philosophy, sociology, theology, and media studies in understanding this phenomenon. The method used is a qualitative approach based on systematic literature studies with a critical analysis of recent academic sources. The main findings indicate that the crisis of authority is characterized not only by the weakening of traditional institutions but also by the emergence of "alternative authorities" based on algorithms, public opinion, and subjective experience. This results in the fragmentation of truth, the relativization of values, and a crisis of epistemological legitimacy. The synthesis of this research confirms that the reconstruction of authority requires an integrative approach that combines rationality, ethics, and spiritual dimensions. In conclusion, the crisis of authority in global culture is not merely a challenge, but rather an opportunity to build a new epistemological paradigm that is more holistic, reflective, and rooted in transcendent values.  

This community service activity aims to improve the community’s knowledge and skills in making natural-ingredient massage oils as both an alternative health product and a business opportunity. The program was implemented in Bingkat Village, Pegajahan Subdistrict, Serdang Bedagai Regency, with the primary target being housewives who are members of the PKK group. The main challenges faced by the community partners include high reliance on chemicalbased products, limited understanding of the use of medicinal plants, and a lack of productive activities that support family economies. Implementation methods included outreach sessions, training, hands-on practice, and guidance in making massage oil using natural ingredients such as lemongrass oil and nutmeg seed oil. In addition, participants were also provided with training in packaging, business management, and basic marketing. The results of the activities showed an increase in the community’s knowledge and skills in processing natural ingredients into massage oil products that are safe, effective, and economically valuable. This program is expected to promote community selfreliance and increase family income through the development of businesses based on local potential.

This study analyzes the news text on the online mass media detik.com titled "Jule's Infidelity Issue, Na Daehoon: I am strong for the sake of the children" using Sara Mills' Critical Discourse Analysis model. This research aims to reveal how the discourse of infidelity is constructed in media texts thru subject and object positioning, how character representation is displayed, how the reader's position is directed, the use of narrative structure, and the social context and gender ideology underlying the construction of this discourse. The research method used is a qualitative descriptive method with the data source being a news text published on detik.com. Data collection techniques were carried out thru document study by carefully reading and recording linguistic units relevant to the research focus, while data analysis techniques used Sara Mills' Critical Discourse Analysis model. The research findings indicate that Na Daehoon is positioned as the dominant subject, possesses voice legitimacy, and is positively represented as a strong and responsible male figure. Conversely, Jule is positioned as the object of news coverage, receiving no opportunity for clarification and being implicitly represented as the problematic party. Additionally, the narrative structure and language choices used in the news text also guide readers to build sympathy toward the male subject. The findings indicate that the analyzed news coverage is not neutral, but rather tends to reproduce patriarchal gender ideologies that could potentially influence society's perception of women in cases of infidelity.

This study examines the comparison between litigation and Alternative Dispute Resolution (ADR) in resolving business conflicts in Indonesia. The increasingly complex nature of business activities has led to a variety of conflicts, such as breach of contract, share ownership disputes, and payment issues, which require efficient resolution methods that provide legal certainty. This study aims to explore the characteristics, procedures, advantages, and disadvantages of dispute resolution through litigation and ADR, which include negotiation, mediation, conciliation, and arbitration. The method applied is normative juridical, drawing on legislation, legal doctrine, and relevant literature. The research findings indicate that litigation offers stronger legal certainty through binding court decisions and organized procedures, but is often time-consuming, expensive, and produces win-lose outcomes. On the other hand, ADR offers flexibility, confidentiality, efficiency, and the opportunity to reach mutually beneficial solutions, although in some situations it requires court confirmation for enforcement. Therefore, the choice of dispute resolution method needs to be adjusted to the nature of the conflict, the relationship between the parties, and the need for legal certainty.

The rapid development of the fashion industry has led to increasing environmental problems due to textile waste and the use of environmentally unfriendly materials. This study aims to analyze the potential innovation of kur rope bags as an environmentally friendly fashion product with high economic value. The research method used is a descriptive qualitative method through observation, literature study, and documentation of the kur rope bag manufacturing process. The results show that kur rope has strong, durable, and flexible characteristics, making it suitable for use as a basic bag material. Innovation in design and weaving techniques can increase the aesthetic value and marketability of the product. In addition, kur rope bags have the potential to become a promising business opportunity and support the empowerment of the community's creative economy. With growing awareness of sustainability, kur rope bags can become an alternative fashion product that not only reduces environmental impact but also creates new market opportunities. Therefore, the development of this product is expected to contribute positively to reducing textile waste and strengthening the local economy through the creative industry.

This study discusses the dialogue between Christian faith and Karl Marx’s atheism as well as its relevance to the lives of contemporary Christians. The rise of atheism in modern society is closely related to secularization, scientific progress, social inequality, and criticism of religious institutions that are considered unable to answer humanitarian problems. Karl Marx viewed religion as an ideological instrument that often legitimized oppression and alienated humans from their true existence. Through his famous statement that “religion is the opium of the people,” Marx criticized forms of religiosity that merely comfort human suffering without striving for social liberation. This research employs a qualitative method with a literature review approach by examining various philosophical, theological, and social sources related to Marx’s atheism and the Catholic Church’s teachings. The findings reveal that Marx’s criticism of religion should not merely be understood as a rejection of God, but also as a moral challenge for the Church to continuously renew itself in carrying out its mission amid social realities. In response, the Catholic Church, especially through the teachings of the Second Vatican Council, views atheism not only as a doctrinal challenge but also as an opportunity for dialogue and self-reflection. The study concludes that authentic Christian faith is not an escape from worldly realities but a spiritual force that encourages believers to uphold justice, solidarity, and human dignity. Therefore, Marx’s criticism can become a reflective instrument for Christians to embody a more contextual, humanistic, and socially engaged faith in the modern world.

The doctrine of Christology as the foundation of the Christian faith has become an important theological issue that must be understood, believed, and examined as a form of accountability of faith. Since the early church, the understanding of Jesus Christ and His work has been affirmed through various church councils that defined His divinity and humanity according to biblical testimony. However, throughout church history, various theological, historical, and modern criticisms concerning Jesus have continued to emerge. Questions regarding His existence, divinity, life, and teachings are still widely debated, including on social media today. This study aims to analyze the doctrine of Christology in the development of church history, identify forms of criticism toward Jesus that challenge the church, and examine them as opportunities for evangelism. The study employs a literature review method using theological and historical analytical approaches to relevant sources, which are systematically described. The findings show that criticism of Jesus is not only a challenge but also an opportunity for the church to develop contextual and dialogical evangelistic approaches. A sound understanding of Christology and contemporary criticisms can help the church formulate evangelistic strategies that are relevant, effective, and communicative.

Sumbersari Village is one of the few places where child marriage is still a problem. Children's mental health, education, and future prospects are all negatively impacted by this practice. The KKN (Community Service Program) group organizes community service projects that teach fifth and sixth graders about the dangers of child marriage and give them the opportunity to socialize. One of the strategies used is a question and answer session with incentives to increase student engagement, as well as presenting material in simple language and facilitating interactive conversations. The results show that students' interest and knowledge about child marriage risks increases. This activity has limitations due to its limited reach, especially for elementary school children, and the relatively basic nature of the subject matter. Therefore, for initiatives to combat child marriage to be more successful and sustainable, follow-up programs involving parents, adolescents, and community leaders are essential. Collaboration with relevant parties is needed to create deeper policies, as well as increase awareness of the importance of women's education and empowerment in preventing child marriage.