This study aims to determine the influence of Financial Literacy, Education Level, and Gender on the Performance of Micro, Small and Medium Enterprises (MSMEs) in the creative economy sector in North Lombok Regency. The population of this study used in this study is all MSME actors in the Creative Economy Sector in North Lombok Regency. The data collection method uses the survey sample method. The data collection technique uses an interview technique, which is where several questions are on the questionnaire. In addition, this study used a sample of 349 respondents with a sampling method, namely purposive sampling. This type of research is causal associative research with quantitative techniques. This research data processing uses smartPLS 3. The results of this study show that financial literacy (X1) has a significant positive effect on the performance of MSMEs (Y) in North Lombok Regency. The level of education (X2) has a significant positive effect on the performance of MSMEs (Y) in North Lombok Regency. Gender (X3) does not affect the performance of MSMEs (Y) in North Lombok Regency.

Government expenditure  is a component of fiscal policy, which is the action taken by the government to control how the economy develops by deciding how much money will be available for spending and revenue each year, as stated in the Budget revenue document. State Budget and Expenditures (APBN). In accordance with the unitary principle that regional government cannot be separated from the central government, on that basis, the independence of a region in managing its household affairs does not mean that each regional government must be able to finance all expenditures with its own Regional Original Revenue (PAD). This budget strategy aims to stabilize production levels, job prospects, and prices while encouraging economic expansion. Government expenditure and GRDP, or economic growth, are closely related because development spending is meant to support the role of development agencies and will result in the production of goods that are essential for advancing economic progress. The APBD, which includes income, expenditure and expenditure financing at the provincial/regional/city level, reflects regional government spending. Spending by the government has grown in tandem with tax revenues. For direct government expenditure display and exposure, expenditures directly related to programs or activities are bundled together as technical newspaper expenditures, while other expenditures are not. The regional revenue and expenditure budget, which includes revenue, spending and financing, reflects regional government expenditure at the provincial/district/city level. The difference between financing expenditures and expenditures is that financing expenditures involve spending money from the regional general treasury which will eventually be reimbursed, whereas expenditures involve spending money from the state/regional general treasury which will not be replaced.
 
 

The current global era is pushing countries in the world, including Indonesia, towards international trade. Financing for international trade activities carried out by Indonesia comes from foreign exchange reserves. Foreign exchange reserves are assets owned or saved in the form of foreign currency for foreign financing sources. This research aims to determine the influence of oil and gas and non-oil and gas exports on foreign exchange reserves in Indonesia. The data that researchers used in this research was secondary data for 10 years, starting from 2014 to 2023, obtained from the Central Statistics Agency (BPS). This research uses quantitative methods and the analytical tool used is multiple linear regression analysis using the Eviews10 program. The results of the analysis show that oil and gas and non-oil and gas exports together or simultaneously have a significant effect on foreign exchange reserves in Indonesia. Individually or partially, oil and gas exports have a negative and significant effect on foreign exchange reserves in Indonesia. Meanwhile, non-oil and gas exports partially have a positive and significant effect on foreign exchange reserves in Indonesia.

This study aims to examine the contribution of historical science in the effort to revitalize museums as educational institutions and preserve cultural heritage. Museums, as public spaces that store and exhibit historical collections, have an important role in facilitating public understanding of the nation's history. However, in the context of the development of the times and changes in public preferences, museums often face challenges in attracting visitors. The contribution of historical science in museum revitalization includes a more interactive approach, technology integration, and storytelling based on in-depth historical research. Thus, historical science not only functions as a source of information, but also as a basis for creating educational experiences that can connect the current generation with relevant historical values. This study suggests various revitalization strategies that can be applied to increase the attractiveness and function of museums as centers for learning and preserving culture, as well as strengthening historical awareness.

This study aims to analyze production management at PT Pilihanmu Indonesia Jaya in the workshop and coaching project. The study encompasses various critical stages, including market research and analysis, product strategy development, and the structured development of a product roadmap. The research methodology involves in-depth interviews with prospective users and stakeholders, as well as market data analysis to identify the needs and desires of the target audience. The findings indicate that personalization and high interactivity features are top priorities in product development. The implementation of collaboration tools such as Google Docs, Draw.io, and Figma facilitates effective communication and coordination between the UI/UX, front-end, and back-end teams. With a data-driven approach and a clear strategy, this workshop and coaching project has significant potential to meet market expectations and deliver substantial value. The study concludes that good production management, supported by cross-functional collaboration and the appropriate use of technology, is the key to successful development of innovative products that are relevant to user needs.

This research aims to examine the effect of website performance on customer satisfaction and loyalty in e-commerce. E-commerce has become an important platform in e-commerce, and website performance has become a critical factor in achieving customer satisfaction and loyalty. In this research, the conceptual framework used includes three main constructs: website performance, customer satisfaction, and customer loyalty. Website performance is measured along several dimensions, including access speed, reliability, user interface, and content quality. Customer satisfaction is measured as the customer's perception of the quality of service and shopping experience on an e-commerce website. Customer loyalty is measured through repeat purchase intentions and recommendations to others. The research results show that website performance has a significant positive influence on customer satisfaction in e-commerce. Website performance dimensions, such as access speed and reliability, are critical in creating customer satisfaction. Apart from that, customer satisfaction also has a significant positive influence on customer loyalty. Satisfied customers tend to have a higher intent to make repeat purchases and recommend a website to others. The practical implication of this research is the importance of improving website performance to achieve customer satisfaction and loyalty in e-commerce. Business people should pay attention to aspects such as access speed, reliability, user interface, and content quality in the development and maintenance of their websites. Apart from that, efforts to increase customer satisfaction must also be the main focus, because customer satisfaction has a significant impact on customer loyalty.

This research is based on the importance of learning realistic mathematics in mathematics. The purpose of this study is to determine the implementation of learning by using realistic mathematics learning models in improving the mathematical understanding of students of class VI MIN 2 Mataram City. PMR is a learning approach to mathematics that involves the reality and experience of students. In mathematics learning students are required to be more active in finding and finding solutions to a problem, so that learning that occurs will be centered on students. The research method used is a qualiative method for collecting data through observation, interviews and documents. The results showed that the application of realistic mathematics learning was effective in increasing students' mathematical understanding in the discovery of mathematical concepts through contextual learning and relevant to daily life. Thus, this research provides a significant involvement in understanding the role of PMR in increasing the mathematical understanding of students as well as part of an effective mathematical learning approach.

Penelitian ini bertujuan untuk meningkatkan kompetensi guru dalam mengembangkan modul pembelajaran diferensiasi di SMP Negeri I Kemang. Metode penelitian yang digunakan adalah penelitian tindakan sekolah, melibatkan 28 guru mata pelajaran, dengan data yang dikumpulkan melalui observasi, kuesioner, dan wawancara. Temuan menunjukkan bahwa beberapa guru belum menyiapkan modul pembelajaran atau mengikuti alur modul yang telah dibuat. Untuk mengatasi masalah ini, dilakukan pembinaan, konseling, dan pendampingan. Hasilnya menunjukkan peningkatan kinerja guru secara keseluruhan, dengan peningkatan kompetensi yang signifikan dari siklus I ke siklus II. Meskipun ada kemajuan ini, beberapa guru masih memerlukan perhatian lebih lanjut. Penelitian ini menyoroti kebutuhan akan dukungan dan pengawasan berkelanjutan terhadap modul pengajaran diferensiasi untuk meningkatkan kualitas pembelajaran dan hasil belajar siswa. Penelitian ini menunjukkan bahwa peningkatan kompetensi guru dalam pengembangan modul berdampak positif terhadap kualitas pembelajaran dan pencapaian siswa. Upaya dan dukungan terus-menerus sangat penting untuk perbaikan yang berkelanjutan. Temuan ini dapat menjadi panduan bagi sekolah dan pemangku kepentingan dalam meningkatkan kualitas pendidikan.
Keywords: Kompetensi guru, Modul Ajar, Pembelajaran berdiferensiasi

Curriculum administration is all business processes that have been planned and attempted deliberately and earnestly as well as continuous guidance on teaching and learning activities effectively and efficiently in order to achieve the educational goals that have been set. The importance of curriculum administration in educational institutions, which includes the selection of materials, teaching methods, and assessments that are in accordance with educational goals and student needs. Curriculum administration plays a role in ensuring that the curriculum is well structured and organized through various levels of planning, implementation, and supervision. Curriculum evaluation is also an important part of education management, aiming to collect information about the effectiveness of curriculum implementation and the impact of learning outcomes. In addition, this journal highlights the role of teachers in curriculum administration as implementers, adapters, developers, and researchers. The presence of artificial intelligence (AI) technology presents an opportunity for educators to carry out a learning process that focuses on the needs, interests, and learning styles of students, because the independent curriculum requires educators to carry out differentiated learning as an initiative in facilitating students, especially in Pancasila education, which incidentally is still carried out by conventional models or methods.

Generation Alpha is a unique generation, born in the era of digital technology. Since an early age, they have been in contact with information technology. Based on previous research, this generation spends a lot of time in front of the screen and is fluent in using technological tools. As a generation of future leaders, teachers and parents must have an approach based on the characteristics of the Alpha generation in parenting and teaching patterns to develop leadership character. The study aims to examine the characteristics of the Alpha generation, how character education for the Alpha generation and effective parenting patterns in preparing the digital leadership of the Alpha generation. Literature studies show that the Alpha generation has great potential as a digital leader through the digital environment, character education in schools and parental care must be adjusted to the characteristics of the Alpha generation, by providing role models, mentoring, and good relationships. This study used a mixed method involving a quantitative survey of teachers and students, as well as qualitative interviews with school principals. The results of the study show that effective leadership in this context involves the implementation of holistic policies, which not only emphasize mastery of technology, but also strengthen character values ??such as responsibility, discipline, and empathy. Thus, the role of principals and teachers is crucial in creating a learning environment that is balanced between the intellectual development and character of students.  This research provides strategic recommendations for educational leaders in designing policies that are able to integrate technology without neglecting student character development.