This thesis discusses efforts to increase students’ interest in learning Mathematics through the use of concrete media among third-grade students at SDN 110/1 Tenam. The purpose of the study is to improve students’ interest in learning Mathematics by using concrete media with these third-grade students. The results of the study show an increase in learning activities that indicate student interest during Cycle I and Cycle II. In Cycle I, all student learning activities were still at percentages below 70%, with ratings categorized as poor and adequate. Meanwhile, in Cycle II, the increase in student learning activities was shown by all activities reaching percentages above 74%, which means they exceeded the predetermined Learning Objectives Achievement Criteria (KKTP) and were rated good and very good. In addition, improved learning outcomes, as evidence of increased student interest, also showed a significant rise. In Cycle I, students’ learning outcomes did not meet the Learning Objectives Achievement Criteria (KKTP), with a class average of 68.9%, whereas in Cycle II, overall class mastery reached 82.3%. This improvement in learning outcomes indicates that students showed fairly good interest when learning with concrete media.

The rapid expansion of fintech lending services, particularly cross-border peer-to-peer (P2P) lending, has created significant legal challenges concerning consumer protection. This study examines whether existing legal frameworks adequately safeguard consumer rights within the borderless digital lending environment. Utilizing a normative-juridical method combined with a comparative approach, the research analyzes Indonesia’s regulatory structure alongside selected international frameworks. The findings reveal substantial gaps in consumer protection, exacerbated by the proliferation of illegal online lending platforms, regulatory fragmentation across jurisdictions, and the misuse of personal data. National regulations often prove insufficient to address complex cross-border legal issues. This study underscores the urgency of global regulatory harmonization, enhanced national oversight mechanisms, and improved digital literacy among consumers. It concludes with recommendations for regulatory reform, the establishment of international supervisory cooperation, and the strengthening of institutional roles, particularly by financial and communication authorities, to ensure robust consumer protection in the evolving fintech lending ecosystem.

Profitability represents a bank's capability to evaluate how effectively its management generates profits. This study seeks to explore and determine the influence of liquidity, capital adequacy, operational risk, and credit risk on bank profitability. The research focuses on banking institutions listed on the Indonesia Stock Exchange over the 2021–2023 period. The study utilizes quantitative data obtained from secondary sources, specifically financial statements published by the respective banks. A total of 32 banks were selected as research samples through purposive sampling. The study adopts a non-participant observation approach, and the data were processed using multiple linear regression analysis. The results indicate that liquidity has a positive yet statistically insignificant effect on profitability, capital adequacy has a significant negative effect, operational risk shows a negative but non-significant influence, and credit risk has a significant negative impact on bank profitability.

Immunity to one disease in a child does not mean immunity to other diseases. Immunization is a way to increase a person's immunity, such as when a child is actively fighting a disease in his body. The aim of this study was to determine the relationship between husband's support and mothers' attitudes towards immunization of newborns in Denai Sarang Burung Pantai Labu Village in 2023. In this study a cross-sectional technique was used. Cross sectional techniques are used to study the dynamics of the relationship between risk and impact variables by accessing, viewing or collecting data at once. Total population 45. Results of research on the relationship between husband's support and mother's attitude. Implementation of infant immunization in Denai Sarang Burung Village.

The North Natuna Sea is an area of strategic importance to Indonesia, both in terms of national security and economy. Legally, this area is part of Indonesia’s Exclusive Zone (EEZ), but China’s unilateral claim to most of this area through the nine-dash line has created tension in the region. Indonesia faces a major challenge to safeguard the sovereignity of this region by using various strategies, one of which is defense diplomacy. This article aims to explore how Indonesia utilizes defense diplomacy in maintaining stability in the Natuna Sea, as well as to analyze the challenges faced and the effectiveness of this approach. The results show that Indonesia’s defense diplomacy can maintain stability, but is still plagued by a number of challenges, including limited resources and the influence of major powers such as China.

This study aims to analyze the influence of human resource competence,government internal control systems, and information technology utilization on the quality of financial reports, and to examine the role organizational commitement as a moderating variable in the Medan City Government. Reliable financial reporting quality is essential to ensure transparency and accountability in regional financial management. Therefore, understanding the factors influencing it is crucial. The research employs a quantitative approach using primary data collected through questionnaires distributed to employees involved in the preparation of financial reports in the Medan City Government. The study population consists of 63 Regional Work Units (SKPD) with a total of 210 respondents selected using purposive sampling, including heads of agencies,secretaries,teasurers, and financial administration official (PPK). Data analysis was conducted using Structural Equation Modeling (SEM) with the assistance of AMOS software.The findings indicate that human resources competence, government internal control sysrems, and information technology utilization have a positive and significant effect on financial reporting quality. Additionally,organizational commitment significantly moderates the influence of these independent variables on financial reporting quality. These results highlight the importance of enchancing human resource competence, strengthening internal control systems, and optimizing information technology utilization, all supported by strong organizational commitment, to produce high-quality financial reports.

This research examines the fundamental transformation in Indonesia's banking industry triggered by Industry 4.0, specifically focusing on the evolution from traditional banking models to new-age banks. The study analyzes how disruptive technologies such as artificial intelligence, cloud computing, blockchain, and biometrics catalyze changes in banking digital capabilities and business models. Using a qualitative approach through comprehensive literature analysis and multiple case studies, this research identifies that digital transformation not only changes how banks operate but also fundamentally alters their value proposition to customers. The findings indicate that new-age banks are characterized by more agile organizational structures, advanced digital capabilities, and open platform-based business models that enable seamless integration with the broader digital ecosystem. This research contributes significantly to understanding the future of banking in the digital era and its implications for Indonesia's financial industry.

The research that has been conducted titled "The Influence of Model Project Based Learning On Skills to Write Biography of Class X State High School Text" which is motivated that the low motivation and ability of students to write, especially in writing biographies. And the dominant method of lectures in the learning process. The method used is quantitative with a quae-experimental design in the form of pre-test and post-tests with a sample of 35 class X-1 and 35 students from class X-2. Data collection techniques with written tests, observations, documentation, and questionnaire. The results stated that (1) there is an increase in post-test results in the experiment class compared to the control class, (2) the average post-test value of experimental class students higher than the post-test student values, (3) The use of the media-based PjBL model has a positive impact on the biography text skills. Thus, the model Project Based Learning terbuktif is effective in improving the skills of biography text writing.

Traditional Cultural Expressions (TREs) are an important part of national identity and intangible cultural heritage that live in indigenous communities in Indonesia. In the midst of globalization and increasing cultural claims by other countries, the urgency of legal protection for TREs is becoming increasingly relevant and strategic. This article aims to examine the effectiveness of legal protection for TREs in Indonesia and to formulate strategies for strengthening protection at the national and international levels. This study uses a juridical-normative approach with literature study techniques and qualitative analysis of laws and regulations, international conventions, and case studies such as Reog Ponorogo and batik. The results of the study indicate that existing legal protection is still limited and has not been able to answer the complexity of cultural claim problems. Harmonization of national law with international standards and collaboration between parties are needed to strengthen Indonesia's legal position in protecting TREs. This study contributes to the development of more responsive and sustainable cultural policies.

This study discusses the use of the Quick Response Code Indonesian Standard (QRIS) as a cashless digital payment tool from the perspective of Islamic commercial jurisprudence (fiqh muamalah). QRIS is an electronic payment system recognized by Bank Indonesia to facilitate non-cash transactions in the country. From an Islamic legal standpoint, it is essential to analyze the validity of transactions and the underlying akad (contracts), as sharia principles require clarity (bayyinah), mutual consent (ridha), and the lack of riba (usury), gharar (uncertainty), and maisir (gambling). This research adopts a descriptive quantitative approach and literature study method to examine QRIS in the context of fiqh muamalah, particularly focusing on the validity and contracts involved in non-cash payments. The findings of this study indicate that the use of QRIS in financial transactions can be considered valid under Islamic law, provided it fulfills the essential elements and conditions of a valid contract, such as price clarity, transaction object, and mutual consent.Keywords : QRIS, Fiqh Muamalah, Non-Cash Transaction, Akad Islamic Economics