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Widia Ningsih; Yeye Suhaety; Lilis Marlina

JURNAL RISET MANAJEMEN (JURMA) 2026 Institut Teknologi dan Bisnis (ITB) Semarang

This study examines the partial and simultaneous effects of promotional strategies, risk perception, and resale price perception on public interest in gold investment at PT Pegadaian Dompu Branch. The research employed a quantitative explanatory approach involving 96 respondents selected from a population of 50,000 customers using purposive sampling. Data were collected through a structured questionnaire based on a five-point Likert scale and analyzed using multiple linear regression with SPSS version 26. The findings reveal that promotional strategies have a positive and significant influence on public interest in gold investment, indicating that effective promotional activities encourage customers to invest. Risk perception also shows a positive and significant effect, suggesting that customers with better understanding and management of investment risks are more inclined to invest in gold. In addition, resale price perception positively and significantly affects investment interest, reflecting the importance of customers' confidence in obtaining favorable resale values. Simultaneous testing using the F-test confirms that the three independent variables jointly have a significant effect on public interest in gold investment. The coefficient of determination shows an Adjusted R Square value of 33.9%, meaning that promotional strategies, risk perception, and resale price perception explain 33.9% of the variation in investment interest, while the remaining 66.1% is influenced by other factors not included in this research model.

Putra, Rayhan Farras Wibawa; Haq, Ainul; Nasution, Syarifuddin; Puspitasari, Riris Lindiawati

VIP Driving Course is a driving course institution that focuses on safe and effective learning. This course has experienced problems in the last five months, there has been a decrease in the number of students, recorded from January to May, respectively, there were 47, 33, 29, 25, and 21 students. This indicates a customer satisfaction issue related to service quality. The purpose of this study was to identify service quality, analyze the gap value and identify service dimensions or attributes that are prioritized for improvement. The number of respondents used was 112 respondents. This study used the SERVQUAL method to measure the gap between student expectations and perceptions, and importance performance analysis to determine improvement priorities. The results showed six attributes with negative gap values ​​including comfort of facilities, clarity of material, availability of cars, responsiveness of service, clarity of information, and attention to safety, and seven attributes with positive gap values ​​including vehicle cleanliness, neatness of instructors, time discipline, fast administration, friendly service, openness to input, and orientation to student needs. SERVQUAL analysis shows 4 dimensions with negative values ​​including tangibles of -0.21, reliability of -0.32, responsiveness of -0.29, and assurance of -0.24, while the empathy dimension obtained a positive gap value of 0.06. This indicates that most services have not met student expectations. Based on the IPA analysis, there are 4 attributes in quadrant I that are the main priority for improvement, with suggestions including rearranging the waiting room, lighting, air circulation, and supporting facilities. Increasing the number of training cars, optimizing the delivery of schedule information, procedures through digital media, and increasing attention to driving safety. Improvement efforts are made to increase customer satisfaction.

Rifqiya Zahara; Hanifah Sabrina Aulia; Fathur Rohman

Bhinneka: Jurnal Bintang Pendidikan dan Bahasa 2026 Universitas Palan

In this study, it is planned to analyze teachers' and students' perceptions regarding the implementation of the Merdeka Curriculum at IRE classes in MTs Tanada. In terms of method used, this study is a qualitative study carried out with field studies in which methods of observation, interviews, and documentation are included. According to the findings obtained from the study, the Merdeka Curriculum has brought about changes in the process of PAI teaching in terms of active participation of students, using digital media in learning processes, discussion activities through the P5 process. While teachers see the Merdeka Curriculum as flexible and supportive of creative learning, students see the lessons taught within the scope of this curriculum as diverse and attractive. Although the implementation of the Merdeka Curriculum shows some positive aspects, it has also faced a number of challenges related to different understandings between teachers, regulations, difficulty in assessing attitudes, and the heavy workload of students. This study concluded that the implementation of the Merdeka Curriculum in Islamic Education in MTs Tanada was quite successful despite the need for improvements in teaching skills.

Siti Nur Koiriyah; Santi Widiastuti

JURNAL ILMIAH KOMPUTER GRAFIS 2026 UNIVERSITAS STEKOM

This study aims to develop and evaluate a VisualCommunication Design (VCD) strategy for onlinepromotion through Facebook at CV. Cahaya Grafikain Demak. The research applied a design-basedapproach, combined with audience perception testingusing a Likert-scale questionnaire distributed to 30respondents aged 18–44 years. The developmentproduced five main outputs: Facebook photo posts,profile and cover design, group posts, story-formatcontent, and adaptation for printed banner media. Theresults show significant improvement in visualattractiveness, message clarity, brand recognition,and engagement performance. The findings indicatethat systematic visual optimization enhancespromotional effectiveness in both digital and printmedia.

Cessarila Prassiwi, Nabila; Cessarila Prassiwi, Nabila; Widyasari, Widyasari; Rahman Yani, Aditya

JURNAL ILMIAH KOMPUTER GRAFIS 2026 UNIVERSITAS STEKOM

Social media is a platform for obtaining information, entertainment, and real-time communication. One of the platforms widely used in business activities is Instagram due to its ease of use and effectiveness as a promotional medium. However, the use of social media needs to be supported by appropriate visual element management to attract attention and build consumer trust. This study aims to analyze the relationship between visual elements in content, brand identity formation, and their influence on consumer perception. The method used is qualitative, involving observation, interviews, and questionnaires distributed to 124 respondents. The results show that before the redesign, Kopi Kutjur's content lacked visual consistency. After implementing consistent visual elements such as color palette, typography, supergraphics, and layout, the content becomes more structured and develops a clearer brand identity.  Keywords: Instagram, Visual Elements , Brand Identity, Digital Promotion, Local  Cofee  

Asra Fania; Syahrul Ramadhan

Intellektika : Jurnal Ilmiah Mahasiswa 2026 STIKes Ibnu Sina Ajibarang

This study aims to describe the utilization of multimodal media in teaching news text reading skills among seventh-grade junior high school students. The research employed a quantitative approach with a descriptive research design. The data were collected through questionnaires distributed to 61 seventh-grade students as the research respondents. The research instrument used a Likert scale covering aspects of students’ perceptions, comprehension, motivation, participation, and readiness toward the use of multimodal media in learning news text reading skills. The data were analyzed using descriptive quantitative techniques through percentage calculations and interpretation of respondents’ answers. The findings revealed that most students showed positive responses toward the use of multimodal media. A total of 72.1% of students agreed that learning through printed and digital media made the learning process more engaging. In addition, 59% of students stated that digital media helped them understand news content more clearly, while 60.7% felt more active during learning activities using multimodal media. The use of multimodal media also increased students’ motivation, self-confidence, and reading comprehension skills in understanding news texts. The findings indicate that the combination of printed and digital media creates a more interactive and effective learning environment that aligns with students’ literacy needs in the digital era. Therefore, multimodal media can serve as an alternative instructional strategy to improve students’ news text reading skills in junior high schools. The implications of this study highlight the importance of integrating digital and printed media in Indonesian language learning to enhance students’ reading literacy quality.

Denvinta Kiki Dewi Pertiwi; Nur Laili Fikriah

JURNAL MANAJEMEN DAN BISNIS EKONOMI 2026 Institut Teknologi dan Bisnis (ITB) Semarang

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.

Hotni Pinta Laura Hutabarat; Jonathan Edgarian; Catharina Aprilia Hellyani

Maslahah : Jurnal Manajemen dan Ekonomi Syariah 2026 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This literature review analyzes the impact of data privacy issues on consumer usage intention in Indonesian e-commerce platforms. The study aims to map privacy threats and understand the phenomenon of the privacy paradox in the context of digital retail. Using a literature review method, this study synthesized findings from international journals published in the last five years from Scopus, Web of Science, and Google Scholar databases. The results show that excessive data collection, unauthorized secondary use, and data breaches significantly increase consumer privacy concerns. However, the research also confirms a privacy paradox, where consumers willingly share personal data to gain shopping convenience and promotions. The findings highlight that strong brand trust and a seamless user experience can effectively mitigate these privacy fears. Practically, this study recommends that e-commerce companies implement the Privacy by Design framework, utilize dynamic passwords (OTP), and provide transparent privacy settings as a competitive marketing advantage. Future research should explore specific regional demographics and the direct impact of new technologies like AI chatbots on consumer security perceptions.

Luthfi Azhari; Wildan Maulana Assani Mualim; Muhammad Daffarezel Ramadhan; Pujo Santoso

JURNAL WILAYAH, KOTA DAN LINGKUNGAN BERKELANJUTAN 2026 Fakultas Teknik Universitas Cenderawasih

This study aims to synthesize empirical and theoretical literature on the Planning–Organizing–Actuating–Controlling (POAC) framework in public sector management, identify asymmetries among its functions, and propose a reconfiguration of POAC that is relevant to digital and collaborative governance. The study employs an integrative literature review by examining classical management literature, peer-reviewed journals, government regulations, and official governance indicators. Data were analyzed thematically based on the four POAC functions and synthesized across themes, using Indonesia during the 2021–2025 period as the empirical context. The findings reveal that planning and organizing functions have developed relatively well, while actuating and especially controlling remain persistent weaknesses. This condition is reflected in improvements in several formal governance indicators, including the Electronic-Based Government System (SPBE) Index, Indonesia’s ranking in the E-Government Development Index (EGDI), Unqualified Audit Opinions (WTP), and public service compliance ratings. However, during the same period, the Corruption Perceptions Index (CPI) declined. These findings indicate a gap between administrative achievements and substantive outcomes, consistent with the concept of means–ends decoupling in neo-institutional theory. The study contributes by bridging classical management theory with contemporary governance paradigms and proposing a Data-driven, Networked, Adaptive, and Participatory (DNAP) model of POAC. Practically, the results highlight the need to strengthen controlling functions and adaptive leadership to foster more effective, transparent, and outcome-oriented public governance.

Maulida Asnawati Rohmadina; Bintis Tianatud Diniati; Alfianis Setiyaning Nur Rohma; Intan Adilia Putri; Rizqy Mufida

JURNAL RISET MANAJEMEN (JURMA) 2026 Institut Teknologi dan Bisnis (ITB) Semarang

The development of sustainability concepts in the banking sector has encouraged companies to implement Environmental, Social, and Governance (ESG) principles and develop Green Investment initiatives as part of their long-term business strategies. This study aims to examine the effect of ESG implementation and Green Investment on the firm value of banking companies listed on the Indonesia Stock Exchange during the 2022–2025 period. The research employed a quantitative approach using panel data regression analysis. Model selection was conducted through the Chow, Hausman, and Lagrange Multiplier tests, which indicated that the Random Effect Model (REM) was the most appropriate model for the analysis. The results reveal that ESG has a positive and significant effect on firm value, indicating that better implementation of Environmental, Social, and Governance practices enhances a company's value in the perception of investors and the market. Conversely, Green Investment has a negative and significant effect on firm value. This finding suggests that Green Investment is still perceived as a costly activity and has not yet generated direct economic benefits in the short term. Simultaneously, ESG and Green Investment significantly influence firm value, with the model explaining 35.1% of the variation in firm value. The findings imply that banking companies should continuously improve the quality of ESG implementation and optimize the management of Green Investments to create greater firm value and support long-term business sustainability.

L.M. Ferdiansyah Rahmad; Maudin Maudin; Rusli Rusli

JURNAL ILMIAH PENDIDIKAN KEBUDAYAAN DAN AGAMA 2026 CV. ALIM'SPUBLISHING

This study examines students’ interest in participating in the Al-Kautsar Tahfidz Dormitory Program at MAN 1 Baubau and identifies the factors influencing their participation. The study also seeks to provide a deeper understanding of how both internal and external conditions shape students’ willingness to engage in the program. Using a qualitative descriptive approach, data were collected through semi-structured interviews with dormitory supervisors, participating students, and non-participating students. Additional supporting information was also gathered through informal discussions and observation in the dormitory environment to strengthen the data validity. Data were analyzed through data reduction, data presentation, and conclusion drawing in an iterative process to ensure accurate interpretation. The findings indicate that students’ interest is shaped by internal factors, such as religious motivation, the desire to memorize the Qur’an, and self-improvement, as well as external factors, including parental support, peer influence, program socialization, and the religious dormitory environment. Conversely, low interest is associated with limited family support, low self-confidence in Qur’anic literacy, competing activities outside school, and perceptions of a demanding dormitory schedule. Overall, the program contributes positively to students’ religious character, discipline, and Qur’anic memorization skills, although variations in student interest remain evident depending on their personal and environmental conditions.

Syifa Najwa Azzahra; Nihel Gita Azzahra; Evy Nurmiati

Mars: Jurnal Teknik Mesin, Industri, Elektro Dan Ilmu Komputer 2026 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

This study analyzes how digital interface design (UI/UX) and system architecture are manipulated to unethically extract user consent, resulting in personal data commercialization and massive online loan (pinjol) spam marketing. Employing a mixed-methods approach, this research combines descriptive quantitative analysis of digital user perception surveys with qualitative observations involving UI teardowns, privacy policy evaluations, and extensive literature reviews. Initial findings indicate a profound crisis of genuine informed consent, exacerbated by the deployment of dark patterns such as pre-ticked checkboxes, disguised opt-out architectures, and information overload engineered into legal documents. This systematic manipulation facilitates unauthorized personal data distribution to third parties under the guise of legitimate agreement, directly triggering privacy intrusions and psychological distress, including severe anxiety among data subjects. Philosophically and morally, these practices constitute a severe breach of Information Technology Professional Ethics (EPTI). Consequently, this study highlights the urgent need for developer accountability and advocates for the implementation of proactive, transparent ethical design frameworks compliant with Human-Computer Interaction (HCI) standards to reclaim digital autonomy.

Anggie Pebriani; Dhiny Easter Yanti; Christin Angelina Febriani

Jurnal Sains dan Kesehatan (JUSIKA) 2026 Universitas Muhamadiyah Manado

Personal hygiene practices during menstruation is important to maintaining the reproductive health of adolescent girls and preventing reproductive organ infections. Poor hygiene causes post-menstrual problems in 5.2 million adolescents in Indonesia, such as reproductive tract infections, urinary tract infections, pathological vaginal discharge, fungal infections, genital area irritation, and unpleasant odor. Factors influencing personal hygiene practices during menstruation include knowledge, perceptions, attitudes, and infrastructure. This study was aimed determine the relationship between knowledge, perceptions, attitudes, and infrastructure and personal hygiene practices during menstruation among female students at the Daarussa'adah Qur'an Tahfidzil Islamic Boarding School in Pesawaran in 2026. This study was quantitative with a cross-sectional approach. The population was all female students at the Daarussa'adah Qur'an Tahfidzil Islamic Boarding School in Pesawaran, and a sample of 74 respondents was selected using total sampling. Data analysis used the chi-square test with a significance level of 95%. The results of the study showed a relationship between knowledge (p-value = <0.001; OR = 279.000), perception (p-value = <0.001; OR = 620.000), attitude (p-value = <0.001; OR = 165.333), and infrastructure (p-value = <0.001; OR = 0.002) and personal hygiene behavior during menstruation. Suggested for the Islamic boarding schools include routinely improving reproductive health education regarding personal hygiene during menstruation and providing adequate infrastructure to support the development of good knowledge, perceptions, and attitudes, so that female students can optimally implement personal hygiene behaviors during menstruation.

Ridho Darman

Mutiara : Jurnal Penelitian dan Karya Ilmiah 2026 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This study aims to identify and analyze the logical fallacies that arise in public conversations about environmental issues and natural resource management on Indonesian social media using a descriptive qualitative approach. Data were collected through scraping techniques using the Python programming language and subsequently analyzed using an informal logic framework to identify various forms of fallacious reasoning. The findings reveal the presence of multiple fallacies that substantially influence public understanding of causal relationships within environmental dynamics. These fallacies contribute to oversimplification, shifts in attention away from scientific evidence, and the emergence of distorted perceptions regarding structural factors in spatial planning and natural resource governance. This study contributes to environmental communication scholarship by emphasizing the importance of critical thinking literacy in improving the quality of public deliberation and supporting the formulation of evidence-based environmental policies.

Kolawole, Falase; Hassan, Sulaiman Taiwo; Daniel, Joshua Adedapo; Adewale, Oyewole Kazeem

SocioHumania: Journal of Social Humanities Studies 2026 Yayasan Mabadi Iqtishad Al Islami

This study investigates the practice of the accounting profession with the aim of identifying the key threats and challenges that hinder its development in Nigeria. To achieve this objective, three hypotheses were formulated and tested using the chi-square statistical technique to examine the relationship between identified challenges and the development of accounting practice in the country. The study drew on the perceptions of key stakeholders in the accounting field, namely academic accountants, professional accountants, and accounting regulators. Primary data were collected and analyzed, and the results revealed that the accounting profession is confronted with significant challenges that negatively influence its growth and development. The study concludes that these constraints may pose serious risks to the future advancement of the profession in Nigeria. It therefore recommends that academic and professional accountants should remain committed and proactive in advancing accounting knowledge and practice, while regulatory bodies should ensure objectivity, transparency, and fairness in the formulation and enforcement of accounting standards and regulations

Gilberd Pattiruhu; Deasy Widyastomo; Sudiro Sudiro

JURNAL WILAYAH, KOTA DAN LINGKUNGAN BERKELANJUTAN 2026 Fakultas Teknik Universitas Cenderawasih

Based on the current existing conditions, Perumnas IV frequently experiences challenges in both the maintenance of its facilities and infrastructure and the perception of its residents. This study aims to: 1) Determine the morphology and typology of the Perumnas IV Padang Bulan area, 2) Determine the level of feasibility of the infrastructure based on SNI 03-1733-2004, and 3) Determine public perception of the infrastructure based on existing conditions and research analysis results. The research method used by the author in this study is a mixed method using an Explanatory Sequential Design approach and a comparative approach. The difference in feasibility percentages between SNI and public perceptions explains that residents have become accustomed to living with the existing facilities and infrastructure, so that the suitability between existing conditions and applicable technical requirements is not a problem in daily life.

Lestari Lestari; Nur Asiah; Safrizal Safrizal

Perspektif: Jurnal Pendidikan dan Ilmu Bahasa 2026 STAI YPIQ BAUBAU, SULAWESI TENGGARA

The urgency of this research stems from the knowledge gap regarding contextual factors contributing to the underuse of learning media in rural elementary schools, which has not been adequately addressed in previous research, which has tended to focus on urban contexts. This study aims to examine teachers' perceptions at Sugayang Public Elementary School regarding the underuse of learning media in the learning process, as well as the factors that contribute to it. The method used was a descriptive qualitative method, utilizing in-depth interviews as a data collection technique. The data were then analyzed using data reduction, data display, and conclusion drawing techniques according to Miles and Huberman. The results showed that teachers experienced difficulties in using technology, difficulties in creating learning media, and the perception that using media was time-consuming. This reveals an important pattern that the underuse of learning media is a systematic problem rooted in the TPACK gap that is not supported by practical time management solutions. These findings imply that changes in learning practices will not occur simply through the provision of generic technology tools or training; rather, bottom-up and contextual solutions are needed. The novelty of this research lies in the in-depth qualitative approach applied to the under-researched context of rural elementary schools, which has not been studied before. This research contributes through recommendations for the implementation of a peer-mentoring program and the development of a ready-to-use digital learning media bank, thus offering valuable insights for future research with relevant stakeholders.

Muhammad Daffa Yuwan Syauqillah; Muamar Adnan Agassi

The rapid expansion of social media has intensified the phenomenon of Fear of Missing Out (FOMO), a form of anxiety arising from the perception that others are experiencing more rewarding lives. With more than 5.17 billion active social media users worldwide in 2024, including Indonesians who spend over three hours daily on social media, FOMO has become an increasingly prevalent psychological and social issue. This study employs a qualitative approach using a systematic literature review to examine the relationship between social media use, FOMO, and psychological well-being, while exploring its spiritual dimensions from an Islamic perspective. The analysis draws on Social Comparison Theory, Self-Determination Theory, and Islamic psychospiritual concepts, particularly qana'ah (contentment) as articulated by Ibn Qayyim al-Jawziyyah. The findings indicate that FOMO is strongly influenced by social comparison, declining self-esteem, and compulsive engagement with digital platforms, all of which contradict Islamic values such as qana'ah, tawakkul (reliance on God), shukr (gratitude), and zuhd (detachment from excessive worldly attachment). The study argues that FOMO should be understood not only as a psychological problem but also as a spiritual challenge resulting from the erosion of inner contentment. To address this issue, the study proposes integrating evidence-based digital well-being strategies with Islamic spiritual practices, including mindful dhikr, structured digital detox, and gratitude cultivation. This research contributes to the growing field of Islamic digital psychology by offering an integrative framework for promoting psychological resilience and spiritual well-being in Muslim communities.

Pajhar Ainnun Berutu; Nurbaiti Nurbaiti; Purnama Ramadani Silalahi

JURNAL RISET AKUNTANSI 2026 Institut Teknologi dan Bisnis (ITB) Semarang

This study aims to explore the perceptions and meanings of maslahah (public welfare) values in the implementation of the Free Nutritious Meal Program (MBG) at SD Negeri 030413 Salak, Pakpak Bharat Regency, North Sumatra Province. Pakpak Bharat Regency records a stunting prevalence of 28.9% far exceeding the national average of 19.8% while most beneficiary families are low-income and lack adequate access to nutritious food. This research employs a qualitative approach with a phenomenological design through semi-structured in-depth interviews, participatory observation, and documentation involving nine informants. Data analysis was conducted using the Miles and Huberman interactive model with interpretation based on the maqāṣid al-sharīʿah framework. The findings reveal five integrated dimensions of maslahah: fulfillment of ḥifẓ al-nafs through improvements in students’ physical health; strengthening of ḥifẓ al-ʿaql through increased concentration and learning readiness; preservation of ḥifẓ al-nasl through early intervention against stunting; realization of ḥifẓ al-dīn through religious practices accompanying the program; and protection of ḥifẓ al-māl through reduced household expenditure. Overall, the MBG Program functions not only as a nutritional intervention but also as a public policy aligned with maqāṣid al-sharīʿah, contributing to the multidimensional achievement of falah.

Fitria Alha; Nasuhaidi Nasuhaidi; Aditya Romadhon; Dimas Subekti

Mandub: Jurnal Politik, Sosial, Hukum dan Humaniora 2026 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This study aims to analyze the political culture of the community in supporting the implementation of social assistance programs in Rantau Indah Village, Tanjung Jabung Timur Regency. This research employed a descriptive qualitative approach to understand community political culture through cognitive, affective, and evaluative orientations toward social assistance programs. Data were collected through interviews, observations, and documentation involving village officials, RT/RW leaders, and social assistance beneficiaries. The findings indicate that community political culture plays an important role in supporting the implementation of social assistance programs. In the cognitive aspect, most people understand the existence and objectives of social assistance, although some still have limited understanding of beneficiary criteria. In the affective aspect, the community shows trust in village officials despite perceptions of inequality in aid distribution. Meanwhile, the evaluative aspect reflects community participation in supervision and feedback. Overall, community political culture tends to be participatory in supporting social assistance implementation. The study also reveals that transparent communication, active community involvement, and accountability of village authorities contribute significantly to strengthening public trust and improving the effectiveness of program implementation. Community participation in monitoring and evaluating the distribution process helps minimize potential conflicts and encourages greater transparency. These findings suggest that strengthening political awareness, enhancing public access to information, and promoting participatory governance are essential to ensure that social assistance programs are implemented fairly, effectively, and sustainably while improving community welfare and reinforcing good local governance practices.