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

This study investigates the role of scaffolding assessment in fostering self-directed learning (SDL) within project-based learning (PBL) environments in higher education. Scaffolding assessment, characterized by gradual guidance, helps students transition from structured support to greater autonomy while enhancing critical thinking, goal-setting, and self-regulation. Through a mixed-methods approach, the study examines students' perceptions and experiences of scaffolding interventions in a research-based course. Quantitative findings reveal positive impacts on autonomy, critical thinking, and goal-setting, while qualitative insights highlight the importance of tailored scaffolding tools, motivational elements, and digital adaptability.Although scaffolding significantly enhances SDL by promoting independence and cognitive engagement, challenges remain in optimizing digital tools and addressing individual learning needs. Personalized scaffolding strategies and motivational scaffolds are essential for sustaining long-term engagement and effectively supporting diverse learners in complex, research-intensive environments. This study underscores the importance of adaptive scaffolding designs that balance structure and flexibility, offering practical implications for educators seeking to implement scaffolding assessments to enhance student autonomy and learning outcomes in higher education.

This ponder points to decide the part of the advancement and application of the Picture and Picture Strategy in creating students' Inventive considering abilities in numerical story issues. The consider was conducted within the odd semester of 2023/2024 with 27 Rudimentary School Instruction understudies in semester V as inquire about subjects. The study was conducted employing a subjective investigation strategy with information collection through perception, interviews and documentation. The Picture and Picture Strategy is connected through learning stages, to be specific preparing understudies to utilize different concepts, standards and aptitudes that they have learned to illuminate the numerical story issues they confront. The comes about of the ponder appear that the Picture and Picture Strategy has an affect on the advancement of Imaginative considering aptitudes, since the comes about of inquire about perceptions on Imaginative considering abilities deliver the capacity to recognize, assess, and resolve story challenges and reason reasonably and morally and be able to draw conclusions. The Picture and Picture Strategy gives understudies with the opportunity to apply learning based on fathoming scientific story issues, giving understudies with the opportunity to create Imaginative considering aptitudes. 

This study evaluates the effectiveness of AI-powered tutoring systems in enhancing personalized English language learning among students in Colleges of Education in Lagos State, Nigeria. The primary objectives include assessing the impact of these systems on students' English proficiency and evaluating their perceptions of usability and effectiveness. Guided by four research questions, the study aims to provide insights into the integration of AI in educational contexts. Employing a survey research design, the study targeted a population of approximately 50,000 final-year students across several Colleges of Education. A sample of 400 students was selected using a combination of convenience and stratified random sampling techniques, ensuring representation from two institutions: the Federal College of Education (Technical) Akoka (FCET) and the Adeniran Ogunsanya College of Education (AOCOED). A structured questionnaire with 30 items was developed and validated, achieving a reliability coefficient of 0.81. Data collection methods included both in-person and online approaches, yielding a response rate of 74.5% (298 completed questionnaires). Data were analyzed using descriptive statistics and t-test for hypothesis testing. The findings revealed a significant difference in English language proficiency between students using AI tutoring systems and those using traditional methods, with the AI group reporting better outcomes. Additionally, students expressed mixed perceptions regarding the usability of AI systems. Major recommendations include enhancing AI system functionalities, providing comprehensive training for users, and addressing technological barriers to ensure effective implementation. This study underscores the potential of AI in education while highlighting the need for ongoing improvements and support mechanisms.

Locus of control is an individual's perception of who determines his fate, which perception greatly influences the auditor, Locus of control leads to individuals influencing good and bad events in their lives, Accountants are individuals who pursue work in the field of accounting and accountants will be in the spotlight for the public if there is fraud or violations related to finance. An accountant must have ethical behavior to avoid financial fraud, this ethical behavior is important since the accountant was still a student. Accountant ethics have become a very interesting issue, this issue has developed along with the occurrence of several ethical violations that have occurred both by public accountants, internal accountants and government accountants, therefore ethical rules are important things that must be obeyed. Not a few financial scandals that occur are caused by ethical violations by accountants which ultimately lead to a decline in public trust in the accounting profession. This study aims to determine the effect of locus of control, love of money and emotional intelligence on students' ethical perceptions of the accounting profession. This type of research is quantitative descriptive research. The population of this study was students of the Accounting Study Program, Faculty of Economics and Business, University of 17 August 1945 Semarang, class of 2018 and 2019, totaling 102 students. The sampling technique used saturated or census sampling. Data were collected by distributing questionnaires via Google Form as many as 102 and 80 returned so that the response rate was 78.43 percent. The data analysis technique used was multiple linear regression analysis technique. The results showed that locus of control had a positive and significant effect on students' ethical perceptions of the accounting profession, while love of money and emotional intelligence had a negative and significant effect on students' ethical perceptions of the accounting profession.    

Paulo Freire’s concept of liberal education is still not implemented in the world of education in developing countries. Educational actors still adhere to the banking system to oppress students. This study raises a social correlation between educators and students called school family kinship. The education curriculum needs to be used as an indicator of success in terms of the intelligence of the children. The curriculum has continued to transform since 1947 to 2022 but has not found its identity.  Now, the independent learning curriculum is intensively grounded, but there are gaps between regions and between socio-economic groups in terms of learning quality. The implementation of the independent learning curriculum is considered not to have a significant positive effect in the outermost and marginalized areas. Therefore, the old pattern called banking system of education is still used. Students are considered empty piggy banks that must be filled by the teacher. Teachers are still recognized as the all-knowing in knowledge that must be poured into the brains of students. As a result, students can only follow what is transferred by the teacher. This is the basis for the author to try to provide briefings to Catholic teachers and education personnel in Wini and Wekfau parishes regarding the implementation of an independent curriculum in Catholic Schools. This study uses qualitative methods with observation techniques carried out in coastal parishes (Wini) and in the mountains (Wekfau) in terms of geographical location to find out the similarity of perceptions of the independent curriculum. This study applies a qualitative method with observation techniques carried out in the coastal parish (Wini) and in the mountains (Wekfau) in terms of geographical location to find out the similarities in perceptions of the implementation of the independent curriculum in two different areas.

This study aims to deeply analyze the role of religious literacy in improving maharah qira'ah (reading ability) at SMP Pahlawan Nasional Kota Medan. Using a qualitative-descriptive approach, this study explores data thoroughly regarding students' ability to read the Qur'an and its relationship to the religious literacy program implemented at the school. Data collection methods include memorization and Qur'an reading tests, observation of reading abilities, and surveys to explore students' perceptions of the importance of religious literacy. The results show that the majority of students still require intensive guidance in reading the Qur'an. In each class, only a few students are able to read the Qur'an and pronounce Arabic correctly, although their fluency is still lacking. Most students are not able to read the Qur'an fluently, and some still struggle to distinguish hijaiyah letters. These findings indicate the need for a systematic and intensive religious literacy program to help students improve their maharah qira'ah skills. Additionally, a more personalized teaching approach is necessary to address the specific challenges students face in reading the Qur'an.

The change of Minister of Education is often followed by new policies that cause various reactions among the public, including students and educators. This study aims to understand public perceptions of the change of Minister of Education and its implications for curriculum policy. This research uses a descriptive qualitative approach with a questionnaire-based interview data collection method to educators and students. The results showed that most respondents had positive expectations of the new minister, especially regarding improving the quality of education and reducing the administrative burden on teachers. However, there were concerns about repeated curriculum changes. Respondents emphasized the importance of inclusive communication, strengthening the role of teachers and improving education infrastructure. Active stakeholder support is considered essential in realizing relevant, effective and sustainable education policies.

The focus of research are : 1. What are the Perceptions of Intensive Program Students towards Study Discipline at IDIA 2. What are the Supporting and Inhibiting Factors for Learning Discipline at IDIA in the Intensive Program. In this research, researcher used a qualitative approach. The data collection method in this research uses interviews and documentation. And the informants in this research came from Mudir Ma'had Lil-Banat, Naibah Mudir Ma'had Lil-Banat, academic section teacher, Student Executive Council Boarding Ma’had (BEMA), and IDIA intensive program students. The perception of intensive program students towards the learning discipline at IDIA is very positive. This can be seen from the different opinions and expressions in expressing perceptions about learning discipline at IDIA in the intensive program. Supporting factors for learning discipline in the intensive program at IDIA are the existence of clear regulations, the professionalism of internship teachers, and the existence of good and strong cooperation between internship teachers and BEMA. Meanwhile, the inhibiting factors are the different characters or dispositions of intensive program students, teachers/instructors who cannot be present while teaching, and limited learning environment.

The Draft Asset Forfeiture Law represents a significant step in combating economic crimes in Indonesia, focusing on non-conviction-based asset recovery. This study aims to analyze the perceptions of Chemical Engineering students (2023 Cohort, Parallel C) at UPN "Veteran" East Java, a designated State Defense Campus, regarding the law's effectiveness. Employing a quantitative approach, data were gathered using a validated Likert-scale questionnaire assessing understanding, potential impacts, and alignment with state defense principles. The findings reveal that the majority of students perceive the draft law as a strategic tool for strengthening justice, reducing corruption, safeguarding public interests, and enhancing governmental integrity. However, some respondents expressed concerns over potential conflicts with human rights and implementation inefficiencies. This research underscores the necessity of harmonizing legislative frameworks with human rights and public trust, emphasizing the role of state defense education in fostering policy support..

This research aims to examine the impact of QRIS (Quick Response Code Indonesian Standard) on students' shopping habits in the digital era, focusing on students at STIA Lancang Kuning Dumai. This study uses a qualitative approach with in-depth interviews and focus group discussions (FGD) to explore students' experiences and perceptions regarding QRIS use in their shopping activities. The findings indicate that QRIS has provided students with convenience, efficiency, and security in digital transactions, although some students face barriers related to technological literacy and network issues. QRIS has influenced shopping habits by encouraging more online shopping. These findings contribute to understanding the role of digital payment systems in changing students’ consumption behavior.

This study aims to analyze the quality of service in the Culinary Arts Practical Laboratory at SMK Ibu Pertiwi 1 using the Service Quality (Servqual) method. Service quality is an important element in supporting the success of the education process, especially in the Culinary Arts expertise program that requires laboratory facilities as a means of practical learning. The Servqual method is used to evaluate five main dimensions, namely tangibles, reliability, responsiveness, assurance, and empathy.This study was conducted by collecting data through questionnaires distributed to students as users of laboratory services. Data analysis used a comparison between students' expectations of ideal service quality and their perceptions of the services received. The results of the study showed a gap in several dimensions of service quality, especially in the tangibles dimension which includes the completeness and condition of laboratory facilities. In addition, the responsiveness and reliability dimensions are also of concern because students feel that the response to complaints and service consistency are not optimal.From the results of the study, it can be concluded that the quality of laboratory services needs to be improved to meet student expectations. Recommendations for improvement include improving physical facilities, training for laboratory staff to improve responsiveness and reliability, and strengthening security assurance in the practical learning process. This study contributes to school management in creating a more effective and quality learning environment.

Instant Noodle Consumption Education Among University Students is a program aimed at raising awareness of the dangers of excessive instant noodle consumption and the importance of a balanced diet. A situational analysis using a questionnaire based on the Health Belief Model (HBM) provided foundational information on students' perceptions of instant noodles, serving as the basis for developing educational media. Next, a combination of poster and educational video media was used to encourage students to limit their instant noodle consumption. Educational content was shared through the social media platform Instagram to reach a larger student audience, leveraging this platform's capacity for rapid and widespread information dissemination. The results showed an increase in students' awareness about balanced nutrition and the health impacts of instant noodles. Ongoing education is expected to help foster healthier eating habits among students.

The highest unemployment rate is caused by graduates who have increased due to the available workforce being greater than the number of jobs available. The way to overcome unemployment is to increase entrepreneurial intentions. The purpose of this study was to investigate entrepreneurial intentions in students of the Faculty of Economics and Business, State University of Malang as it is believed that entrepreneurial intentions are the most important factor in entrepreneurial actions, using variables of entrepreneurial education, self-efficacy, gender, and entrepreneurial attitude variables as mediation. This research is a quantitative research using a descriptive research design. The dependent variable in this research is entrepreneurial intention (Y), the independent variable is entrepreneurial literacy (X1) and self-efficacy (X2) while the mediating variable is entrepreneurial attitude (Z). The population taken in this research is students. The sample taken in this research is 170 respondents calculated using the Slovin formula. The scale used in this is a Likert scale with 5 choices to be answered by the resource person, namely strongly disagree, disagree, disagree, agree, strongly agree. Furthermore, the instrument feasibility test uses validity and reliability tests. While the classical assumption test uses normality tests, multicollinearity tests, and heteroscedasticity tests. The analysis technique uses descriptive analysis, path analysis, sobel test and difference test. The results of this study indicate that entrepreneurship education on entrepreneurial intentions has a significant influence, self-efficacy on entrepreneurial intentions has a significant influence, entrepreneurship education on entrepreneurial intentions mediated by entrepreneurial attitudes has a significant influence, self-efficacy on entrepreneurial intentions mediated by entrepreneurial attitudes has a significant influence, entrepreneurial attitudes on entrepreneurial intentions have a significant influence and based on the results of the difference test

This study aims to understand the social constructs that affect the use of makeup in Open University students. The factors discussed include the influence of social media, social factors, culture, and their impact on confidence in meeting existing beauty standards. Using a qualitative descriptive approach, this study explores social norms that contribute to the perception of beauty and the practice of using makeup. The results of the study are expected to provide a deeper understanding of the perception of beauty among female students.

This study aims to determine the implementation of the karawitan extracurricular program at MA Al-Muttaqien Pancasila Sakti Klaten. To determine the instillation of Islamic religious education values through the karawitan extracurricular program at MA Al-Muttaqien Pancasila Sakti Klaten. To determine the results achieved in the instillation of Islamic Religious Education values through the karawitan extracurricular program at MA Al-Muttaqien Pancasila Sakti Klaten. This type of research is qualitative research, which is a study aimed at describing and analyzing phenomena, events, social activities, attitudes, beliefs, perceptions, thoughts of people individually or in groups. This study has two objectives, namely, the first to describe and reveal and the second to describe and explain. The type of research used in this thesis is field research, which is a type of research that seeks to collect information data regarding problems in the field. Data collection techniques with observation, interviews and documentation. The location of this research is at MA Al-Muttaqien Pancasila Sakti Klaten. The subjects of this study were the Principal of MA Al-Muttaqien Pancasila Sakti Klaten, the instructor of the karawitan extracurricular program of MA Al-Muttaqien Pancasila Sakti Klaten, the Islamic Religious Education Teacher of MA Al-Muttaqien Pancasila Sakti Klaten and the students of MA Al-Muttaqien Pancasila Sakti Klaten. The results of this study are that the karawitan extracurricular program at MA Al-Muttaqien Pancasila Sakti Klaten aims to preserve Javanese culture, especially karawitan. The implementation of the karawitan extracurricular program at MA Al-Muttaqien Pancasila Sakti Klaten is attended by students of grades X and XI which is carried out routinely once a week every Monday. Learning is carried out both in theory and practice. Supporting factors for the implementation of the karawitan extracurricular program include teachers who are competent in their fields, student interest or enthusiasm, and the existence of a karawitan extracurricular program implementation schedule. The obstacles are the facilities and infrastructure that are not yet complete. instilling the values of Islamic Religious Education through the extracurricular gamelan program at MA Al-Muttaqien Pancasila Sakti Klaten has 3 aspects, namely faith, morals and worship.

This study aims to explore women's perceptions of the advertisement "Kecap ABC Supports Equality in the Kitchen on Women’s Equality Day." Using a descriptive qualitative approach, the study involved 71 female students from the Communication Science Program, Faculty of Social and Political Sciences, Balitar Islamic University. Data were collected through an online questionnaire designed to analyze three main components of perception: cognitive, affective, and conative, concerning the message conveyed in the advertisement. The findings reveal that the majority of respondents possess a solid understanding of gender equality, particularly regarding men’s roles in domestic tasks. Most respondents responded positively  to the advertisement, reflecting their support for the values of equality promoted. However, discrepancies in perceptions were noted in certain aspects, such as the ideal distribution of domestic responsibilities and the practical implementation of gender equality in family settings. This highlights the need for enhanced education and awareness, particularly on the importance of applying gender equality in daily life. This study provides valuable insights into how media can serve as an effective tool to promote the values of gender equality in society.

In the school environment, a good assessment of the performance of guidance and counseling teachers by subject teachers reflects recognition of the contribution of guidance and counseling teachers in supporting students academically, emotionally, and socially. The purpose of this study was to see the views of subject teachers on the performance of guidance and counseling teachers in various aspects. This type of research is quantitative descriptive. The instrument in this study used a questionnaire on the performance of guidance and counseling teachers. Based on the results of the analysis of the research data that have been presented, the researcher concluded that the performance of guidance and counseling teachers was assessed as good according to the perceptions of subject teachers based on several aspects, namely basic services, individual interest and planning services, responsive services and system support services.  

In the school environment, a good assessment of the performance of guidance and counseling teachers by subject teachers reflects recognition of the contribution of guidance and counseling teachers in supporting students academically, emotionally, and socially. The purpose of this study was to see the views of subject teachers on the performance of guidance and counseling teachers in various aspects. This type of research is quantitative descriptive. The instrument in this study used a questionnaire on the performance of guidance and counseling teachers. Based on the results of the analysis of the research data that have been presented, the researcher concluded that the performance of guidance and counseling teachers was assessed as good according to the perceptions of subject teachers based on several aspects, namely basic services, individual interest and planning services, responsive services and system support services.  

Innovation in the education sector has become increasingly important alongside the rapid advancement of digital technology, which has enabled the emergence of various platforms and applications designed to enhance teaching and learning quality. One area significantly impacted by this transformation is educational evaluation, where digital solutions offer more efficient, accurate, and data-driven assessment processes. This study aims to identify and analyze the role of the Evaloexam application in driving educational innovation while fostering the development of technological entrepreneurship among its users. The research employed a quantitative methodology using a survey approach involving educators and students at the senior high school (SMA) level who actively utilize the Evaloexam platform. A total of 100 respondents were selected through random sampling techniques, and data were collected over one month using structured online questionnaires. The collected data were analyzed using both descriptive and inferential statistical methods to measure user perceptions, system effectiveness, and innovation impact. The findings indicate that Evaloexam plays a significant role in facilitating educational evaluation processes by streamlining exam administration, automating grading, and providing analytical insights into student performance. These capabilities contribute to improved efficiency, reduced administrative workload, and more objective assessment practices. Furthermore, the application encourages the development of technological entrepreneurship by stimulating user interest in digital product innovation, educational technology development, and technology-based problem solving. The results are consistent with prior studies emphasizing the positive relationship between technology integration and improvements in educational effectiveness and operational efficiency. Practically, this research suggests that Evaloexam and similar digital evaluation platforms hold strong potential for broader implementation within educational systems to support innovation ecosystems and technology-driven learning environments. However, this study is limited by its relatively small sample size, focus on a single application, and short data collection timeframe. Future research is recommended to involve larger and more diverse populations, extended study durations, and comparative analyses across multiple evaluation platforms to obtain more comprehensive findings.