Peningkatan pendapatan keseluruhan suatu negara merupakan indikasi pertumbuhan ekonomi. Hal ini mengindikasikan adanya pertumbuhan ekonomi. Hal ini merupakan hasil dari peningkatan jumlah barang dan jasa yang diciptakan. Kesejahteraan dan standar hidup masyarakat pasti meningkat sebagai hasil dari peningkatan pendapatan negara dan akses masyarakat yang lebih mudah ke produk dan layanan yang diperlukan. Namun, mereka harus menerima kenyataan bahwa hal yang terjadi justru sebaliknya. Ada hubungan sebab akibat antara kemakmuran dan pertumbuhan ekonomi. Dunia nyata, hubungan sebab-akibat, dan hal-hal yang bersifat materialistis hanya dihargai oleh kelompok masyarakat tertentu Konsep ekonomi Islam yang berfokus pada sektor riil diyakini lebih relevan untuk memahami hubungan sebab-akibat antara kemajuan ekonomi dan kesejahteraan, gagasan perekonomi Islam yang berpusat pada sektor riil dianggap lebih relevan. Dalam Islam, "kesejahteraan" mengacu pada Falah, atau kekayaan material dan spiritual.

Customer attrition has become the focus of many businesses today – since the online market space has continued to proffer customers, various choices and alternatives to goods, services, and products for their monies. Businesses must seek to improve value, meet customers' teething demands/needs, enhance their strategies toward customer retention, and better monetize. The study compares the effects of data resampling schemes on predicting customer churn for both Random Forest (RF) and XGBoost ensembles. Data resampling schemes used include: (a) default mode, (b) random-under-sampling RUS, (c) synthetic minority oversampling technique (SMOTE), and (d) SMOTE-edited nearest neighbor (SMOTEEN). Both tree-based ensembles were constructed and trained to assess how well they performed with the chi-square feature selection mode. The result shows that RF achieved F1 0.9898, Accuracy 0.9973, Precision 0.9457, and Recall 0.9698 for the default, RUS, SMOTE, and SMOTEEN resampling, respectively. Xgboost outperformed Random Forest with F1 0.9945, Accuracy 0.9984, Precision 0.9616, and Recall 0.9890 for the default, RUS, SMOTE, and SMOTEEN, respectively. Studies support that the use of SMOTEEN resampling outperforms other schemes; while, it attributed XGBoost enhanced performance to hyper-parameter tuning of its decision trees. Retention strategies of recency-frequency-monetization were used and have been found to curb churn and improve monetization policies that will place business managers ahead of the curve of churning by customers.

This research aims to determine character education in Islamic boarding schools and the prevalence of issues of violence in Islamic boarding schools, so the researcher wants to discuss in more depth about character education and issues of violence that are currently widespread in Islamic boarding schools with the object of research being the Al-Rahmah Islamic boarding school. . The approach method used is a qualitative method with data collection techniques of observation, interviews and documentation. The data collected by researchers is more focused on several research objectives, namely: 1) describing modern Islamic boarding schools based on the times. 2) describe Islamic boarding school institutions in character education 3) analyze more deeply the issues of violence in Islamic boarding schools, Islamic boarding schools are places where education about the Islamic religion focuses on Islamic religious studies and does not eliminate contemporary elements in the current era. more modern, especially in modern-based Islamic boarding schools.

The focus of research in this study is to understand the symptoms of objects thoroughly so that researchers can identify existing problems and formulate problems to be studied. This research focused on the application of work discipline to improve employee performance at the Hilimegai Sub-district Office, South Nias Regency with a descriptive approach. The purpose of descriptive research is to describe and analyze research data related to phenomena, social activities, and human attitudes in various situations. At the Hilimegai Sub-district Office of South Nias Regency, the implementation of work discipline is quite good because most employees arrive on time although a small number are sometimes late due to long distances from home, but this is not used as an excuse and they still obey the rules. Employees there also always take care of office equipment as a form of discipline. They also show high responsibility by diligently completing work and are willing to work overtime to achieve work targets. However, adherence to the rules still needs to be improved because some employees often neglect their duties. Employees at the Hilimegai Subdistrict Office of South Nias Regency work for 8 hours a day, from 8 am to 4 pm, and always follow the rules that apply in their office.

Kemajuan teknologi memiliki banyak dampak positif maupun negatif bagi anak usia 0-5 tahun yang memerlukan banyak eksplorasi dalam merangsang tumbuh kembangnya. Teknologi menjadi bermanfaat ketika digunakan secara tepat dalam media belajar anak.Digital storytellingdanfingerpaintingmerupakan satu dari sekian banyak metode pembelajaran yang mampu menarik minat anak dalam belajar. Anak sejak dini dikenalkan untuk dekat dengan lingkungan sekitar melalui pemahaman bagian tumbuhan menggunakandigital storytelling, pengenalan warna dasar dan perpaduannya hingga meningkatkan motorik halus melaluifingerpainting. Hasil dari kegiatan ini, anak mengalami peningkatan pengetahuan mengenai bagian tumbuhan, warna hingga perubahan sikap dari malu dan takut kotor menjadi antusias mengaplikasikan cat dijemarinya pada kertas melalui gambar tumbuhan.

A person's reduced ability to see images while performing daily activities or the malfunctioning of their sense of sight is referred to as a visual disability. Children with visual impairments are entitled to a supportive education that will help them excel in school. Parental social support can help with this. The purpose of this study is to find out the social support that parents provide to their children with visual disabilities to help them achieve academically, as well as the factors that hinder and support the implementation of social support. This study was conducted using a qualitative method, descriptive research type, with purposive sampling with four respondents. Interviews, observation, and documentation were used to collect data. The results showed that academic achievement of children with visual disabilities is influenced by parental social support, which includes emotional support, appreciation, instrumental support, information support, and group support. The development of academic skills and cognitive development is influenced by the characteristics of visual disability. This relates to the important role played by parents and SLB - A Pembina Tingkat Nasional school in educating their children who have visual disabilities. Parents provide information or advice verbally or nonverbally that has a positive impact on the action or emotional in the activity.

Fraudsters increasingly exploit unauthorized credit card information for financial gain, targeting un-suspecting users, especially as financial institutions expand their services to semi-urban and rural areas. This, in turn, has continued to ripple across society, causing huge financial losses and lowering user trust implications for all cardholders. Thus, banks cum financial institutions are today poised to implement fraud detection schemes. Five algorithms were trained with and without the application of the Synthetic Minority Over-sampling Technique (SMOTE) to assess their performance. These algorithms included Random Forest (RF), K-Nearest Neighbors (KNN), Naïve Bayes (NB), Support Vector Machines (SVM), and Logistic Regression (LR). The methodology was implemented and tested through an API using Flask and Streamlit in Python. Before applying SMOTE, the RF classifier outperformed the others with an accuracy of 0.9802, while the accuracies for LR, KNN, NB, and SVM were 0.9219, 0.9435, 0.9508, and 0.9008, respectively. Conversely, after the application of SMOTE, RF achieved a prediction accuracy of 0.9919, whereas LR, KNN, NB, and SVM attained accuracies of 0.9805, 0.9210, 0.9125, and 0.8145, respectively. These results highlight the effectiveness of combining RF with SMOTE to enhance prediction accuracy in credit card fraud detection.

Abstrak Semakin berkembangnya kemajuan teknologi karena adanya globalisasi menimbulkan suatu fenomena perilaku baru di kehidupan masyarakat. Munculnya fenomena perilaku belanja online sebagai alternatif pilihan konsumsi di kalangan remaja merupakan suatu bentuk dari perkembangan teknologi dalam media berbelanja. Sistem belanja secara online lebih efisien karena cara kerja online shop ini pembeli tidak bertemu langsung dengan penjual termasuk juga saat pembayarannya dan dapat ditransfer. Bagi kalangan remaja, online shop ini menawarkan kebutuhan yang bervariasi sehingga menjadi keuntungan dalam alternatif pilihan konsumsinya. Penelitian ini bertujuan untuk menganalisis faktor penyebab dan dampak yang ditimbulkan tentang pembahasan fenomena belanja online sebagai alternatif pilihan konsumsi di kalangan remaja. Metode yang digunakan dalam penelitian ini yaitu teknik analisis data kualitatif dengan melibatkan 32 responden atau informan di kalangan remaja. Didiskripsikan dalam penelitian ini bahwa responden berjenis kelamin perempuan lebih mendominasi dalam penggunaan belanja online sebagai alternatif pilihan konsumsi kalangan remaja. Kemudahan dan kepraktisan menjadi faktor penyebab kalangan remaja lebih setuju melakukan belanja online.

Kemampuan mengoperasikan komputer khususnya pada penggunaan Ms. Word saat ini merupakan hal penting yang dapat menunjang berbagai kegiatan tak terkecuali bagi anggota dan pengurus PKK Desa Ketenger. Beberapa masalah yang kerap dihadapi oleh kelompok PKK Desa Ketenger adalah keterbatasan dalam mengoperasikan komputer dan menggunakan aplikasi Ms. Word untuk membuat surat undangan kegiatan, proposal dan laporan kegiatan PKK. Kegiatan pendampingan dapat menjadi salah satu alternatif solusi untuk menyelesaikan beberapa permasalahan tersebut khususnya pada pengoperasian komputer dan penggunaan Aplikasi Ms. Word. Pendampingan ini diberikan kepada seluruh anggota dan pengurus Kelompok PKK Desa Ketenger. Pelaksanaan kegiatan pelatihan ini sangat membantu kelompok PKK Desa Ketenger dan meningkatkan keterampilan dalam menggunakan komputer dan Ms. Word. 

Dunia perbankan, mengalami perkembangan pesat, oleh karena itu persaingan produk-produk pada perbankan tida dapat dihindarkan dan semakin ketat. Salah satunya yaitu pada produk Kredit Pemilikan Rumah (KPR). Perbankan harus memiliki strategi pemasaran efektif dan efesien, sehingga mendukung  kegiatan operasional perusahaan untuk menguasai segmen pasar, serta pula memiliki daya tarik untuk memasarkan produk KPR agar dapat menarik nasabah atau konsumen serta bersaing dengan perbankann lainnya. Penelitian ini bertujuan untuk mengetahui penerapan taktik dan strategi pemasaran Bank Tabungan Negara Kantor Cabang Jember  dalam meninngkatkan jumlah nasabah pada produk pembiayaan KPR. Metodologi yang digunakan dalam penelitian ini menggunakan pendekatan kualitatif yaitu dengan melakukan pengumpulan data dengan metode observasi, wawancara dengan karyawan bagian marketing Bank Tabungan Negara Kantor Cabang Jember yang bertanggungjawab atas pemasaran produk KPR sehingga mendapatkan data yang akurat pada proses penelitian yang diteliti.Melalui wawancara dan observasi dapat diketahui bahwa strategi pemasaran yang diterapkan oleh Bank BTN KC Jember dalam memasarkan produk Kredit Pemilikan Rumah (KPR) adalah dengan menggunakan segmenting, targeting,positioning (STP) dan marketing mix 4P (product,Price,Promotion,Place).