This study aims to analyze the factors influencing the risk perception of stock investments among Generation Z in Indonesia. The research method used is quantitative, employing a survey approach through questionnaires. The analytical technique applied is multiple linear regression. The results of the study indicate that financial literacy, investment experience, and social influence significantly impact risk perception. These findings have important implications for financial education providers and capital market institutions.

This study aims to analyze the business condition of BMT Bahtera in entering the market of the syariah financial services industry using a General Electric Matrix approach. The method used in this study was in-depth interviews with the internal informant from BMT. The research result shows that BMT Bahtera’s strength is on the digitalization services, Human Resources competencies and saving and financing products innovation. Despite recently entering the Purwokerto territory, the business is growing with high potential market share using direct promotion strategy and effective institutional cooperation.

Penelitian   ini   bertujuan   untuk   menganalisis   manajemen   pembiayaan   pendidikan   sebagai   salah   satu   komponen   penting   dalam   keberlangsungan   dan   peningkatan   mutu   pendidikan.   Pembiayaan   pendidikan   mencakup   seluruh   proses   perencanaan,   pelaksanaan,   pengawasan,   dan   evaluasi   pengelolaan   dana   pendidikan   agar   dapat   digunakan   secara   efektif   dan   efisien.   Metode   yang   digunakan   dalam   penelitian   ini   adalah   studi   kualitatif   dengan   pendekatan   deskriptif-analitis,   berdasarkan   telaah   literatur   dan   data   sekunder   dari   berbagai   sumber   terkait   kebijakan   dan   praktik   pembiayaan   pendidikan   di   Indonesia.   Hasil   analisis   menunjukkan   bahwa   tantangan   utama   dalam   manajemen   pembiayaan   pendidikan   meliputi   ketimpangan   distribusi   dana,   transparansi   penggunaan   anggaran,   serta   keterbatasan   kapasitas   manajerial   di   tingkat   satuan   pendidikan.   Diperlukan   strategi   peningkatan   tata   kelola   keuangan,   penguatan   akuntabilitas,   dan   kolaborasi   antarpemangku   kepentingan   untuk   memastikan   bahwa   pembiayaan   pendidikan   dapat   mendukung   pencapaian   tujuan   pendidikan   nasional   secara   berkelanjutan.

This study aims to analyze the causes of bottlenecks in lip balm production at PT Rumah Rumput Laut by using a survey approach and fishbone diagram analysis method. The research method used is a descriptive method with survey approach which was conducted at PT Rumah Rumput Laut, Bogor Regency, West Java. Data were collected through observations and interviews with related parties in the production process based on previously identified problems. A fishbone diagram was used to identify the factors causing bottlenecks, which were grouped into six main categories, namely: manpower, machine, method, material, measurement, and environment. The results of the fishbone diagram analysis show that bottlenecks in lip balm production are caused by the irregular flow of material transfer, long waiting time for the quality control process, and limited production capacity. To overcome this problem, it is necessary to improve the operator supervision system, implement a regular machine maintenance schedule, rearrange the production space layout, and use technology to monitor machine conditions in real time.

Fatherless is a condition of psychological absence of fathers in the growth and development of children in household life. This research aims to analyze the phenomenon of fatherlessness in Indonesia due to patriarchal culture, using Amina Wadud's feminist thinking about the concept of caring for children. This research uses a qualitative method with a literature study approach, namely by collecting books, journals, and websites related to the research theme. The analysis used is critical analysis by describing the formal object, namely Amina Wadud's thinking, to be used as an analysis of the material object, namely the fatherless phenomenon in Indonesia. The results of the analysis of this study are fatherless conditions due to patriarchal culture should not occur because; first, the Qur'an states that the rights and obligations in caring for children between men and women are the same. Second, a flexible system of cooperation is key in the household, including in terms of caring for children. Third, women also have the right to be as productive as men, not just focusing on childcare.

Citizenship education from an Islamic perspective plays a significant part in shaping students' character and social mindfulness. By coordination sharia values such as equity, tolerance, and social duty into the educational programs, it is anticipated to make a era that's not as it were scholastically cleverly but too ethically upright. This think about points to analyze how sharia values can be actualized in citizenship instruction and their affect on shaping a harmonious national identify. This investigate employs a qualitative strategy with a descriptive-analytical approach. Information were collected through in-depth interviews, participatory perceptions, and record investigation of instructive approaches and relevant educating materials. The research subjects include teachers, students, and stakeholders included within the usage of an Islamic values-based educational programs. Information investigation takes after the Miles and Huberman demonstrate, which comprises of information reduction, information introduction, and conclusion drawing. The comes about show that sharia-based citizenship instruction can reinforce national personality and foster a more concordant and capable society. The integration of sharia values into the educational programs moreover upgrades students' mindfulness of their rights and duties as citizens based on Islamic morals. In this manner, a systematic effort is required to create a significant and feasible educational programs, in conjunction with back from different partners to guarantee the compelling execution of sharia values in citizenship education.

This research aims to analyze the physical and mental elements in the poems "Aku Kangen 1", "Aku Kangen 2", "Aku Kangen 3" and "Waiting for Flowers" by Heri Isnaini which are contained in the anthology Montase: Serpihan Srêm published by Pustaka Humaniora. The physical elements of poetry include diction, rhythm, imagery, and grammar, while the inner elements include themes, tone, atmosphere, and mandates. This study applies a structural approach with a qualitative descriptive method, which focuses on text analysis as the main focus. The results of the analysis show that these poems use simple but highly emotionally charged language, as well as visual imagery and deep feelings in describing longing and waiting. Certain typography and repetition structures reinforce the dramatic effect and musicality of the poem. From the inner side, the main themes that emerge are longing, loneliness, and hope for encounters, which are conveyed in a melancholy tone and a calm, reflective atmosphere. The implied message encourages the reader to reflect on the meaning of presence, loss, and hope in everyday life. This research confirms Heri Isnaini's ability to unite form and meaning poetically, as well as his contribution to contemporary Indonesian poetry.

This study was conducted with the aim of determining the relationship between time management and the learning outcomes of grade V students of SDN 104256 Rugemuk in the Social Studies subject "Chapter 3: Magnets, Electricity and Technology for Life". This type of research is quantitative with the research method used is correlation. The subjects of this study were 30 people. Data collection techniques in this study consisted of questionnaires and documentation. The data analysis technique used was Product Moment correlation. The results of the study showed a relationship between learning time management and student learning outcomes because the results of the analysis showed that rcount > rtable, namely 0.627 > 0.361, which means that there is a relationship between time management and learning outcomes.

Guided inquiry is recognized as an effective instructional model for Vocational High Schools (SMK), as it actively engages students in systematic exploration and investigation with teacher guidance. This study aims to address the problem of low student engagement and learning outcomes by implementing the guided inquiry model in classroom instruction. The research employed a Classroom Action Research (CAR) design, conducted over two cycles, each comprising the stages of planning, action, observation, and reflection.The participants consisted of 36 students from Class X of the Agribusiness for Food Crops and Horticulture (ATPH) program at SMK Negeri 1 Purwosari during the 2024/2025 academic year. Data collection instruments included student engagement observation sheets, evaluation tests, and documentation, with data analyzed using descriptive quantitative methods. The findings revealed that the guided inquiry model significantly improved both student engagement and learning outcomes in the topic of vegetative propagation. Student engagement increased from 32.81% in the pre-cycle to 70.49% in the first cycle and 84.72% in the second cycle. Similarly, the percentage of students achieving mastery in learning outcomes rose from 38.89% in the pre-cycle to 83.33% in the first cycle and reached 100% in the second cycle.

As a result of rapid technological progress, increased competition, and the global opening of markets, local markets have been flooded with a large number of foreign products of superior quality compared to local products. This has exposed Iraqi economic units to numerous pressures for various reasons, most notably the high cost of their products and the low quality of their products. This requires these units to seek solutions that lead to the provision of a high-quality product capable of competing with foreign products in terms of price and quality, thereby achieving customer satisfaction. Therefore, the research aims to integrate the two techniques of Attribute Based Costing and process reengineering and to demonstrate their role in improving product quality. The researcher reached a set of conclusions, the most important of which are The weakness of the costing system applied at the research sample factory, its failure to accurately monitor and identify cost elements throughout the product lifecycle, and the management's lack of interest and awareness in implementing contemporary costing techniques and their role in improving the quality of its products, thus ensuring their sustainability. The integration of specifications-based costing with process reengineering technology has added substantial improvements to product specifications, aligning them with customer requirements and needs, and leading to improved product quality.