This study aims to analyze the influence of Islamic financial literacy and bank image on customer decisions in using mortgage financing products at Bank Tabungan Negara (BTN) KC Syariah Palembang. Islamic financial literacy plays an important role in increasing public understanding of Islamic banking products, which will influence decisions in choosing financial products. In addition, a positive bank image also contributes to building customer trust in the services offered. This study uses a quantitative method with the Structural Equation Modeling-Partial Least Squares (SEM-PLS) approach. Data were collected by distributing questionnaires to BTN KC Syariah Palembang customers who use mortgage financing products. The results of the study indicate that Islamic financial literacy and bank image have a positive and significant effect on customer decisions. The implications of this study indicate that increasing Islamic financial literacy and strengthening bank image can be an effective strategy for Islamic banks in increasing the number of users of Islamic-based mortgage products. Therefore, a broader Islamic financial education program is needed as well as improving the quality of services and transparency in Islamic banking operations to build customer trust and loyalty..

This study aims to examine 1) the positive impact of smartphone usage on the economics learning process among 11th-grade students at SMAN 2 Gerung for the 2023/2024 academic year and 2) the negative impact of smartphone usage on the economics learning process among 11th-grade students at SMAN 2 Gerung for the 2023/2024 academic year. The researcher employs a qualitative approach and descriptive research type to provide a clear picture of the situation under investigation, thereby obtaining the facts. Primary and secondary data sources complement this approach. Data collection techniques include observation, semi-structured interviews, and documentation. The research findings indicate that using smartphones in learning positively impacts students. First, students have broader access to various sources of information, including scientific articles, educational videos, and digital learning platforms. Second, technology makes it easier for students to complete school assignments, as they can quickly find the references they need. Third, technology has also been proven to increase students' engagement and motivation in learning, offering more interactive and engaging learning methods. Fourth, learning becomes more flexible, allowing students to study anytime and anywhere based on their needs and convenience. However, there are also negative impacts that must be considered. Technology can disrupt students' concentration due to distractions from social media and other digital entertainment. In addition, students often struggle to distinguish between accurate and inaccurate information. They also tend to rely heavily on the internet, which can hinder the development of critical thinking and independent learning skills. Another issue is the habit of not taking complete notes, as students assume that all information is available online. Lastly, there are potential physical health concerns, such as eye strain and poor posture, caused by prolonged use of electronic devices.

Kegiatan pengabdian masyarakat ini bertujuan untuk membangun jiwa kewirausahaan pada 30 remaja binaan SOS Children's Village Banda Aceh melalui program pelatihan intensif satu hari. Pelaksanaan kegiatan menggunakan pendekatan partisipatif yang menggabungkan metode ceramah interaktif dan workshop keterampilan praktis, dengan materi utama berupa motivasi kewirausahaan dan pengenalan peluang usaha. Hasil evaluasi menunjukkan keberhasilan program dalam meningkatkan motivasi peserta, dimana 90% remaja menyatakan antusiasme tinggi untuk memulai usaha mandiri setelah mengikuti pelatihan. Namun demikian, teridentifikasi beberapa kendala utama seperti kurangnya pemahaman dasar tentang mekanisme berusaha, keraguan akan kemampuan diri, serta kebingungan dalam menentukan langkah awal memulai bisnis. Faktor pendukung utama adalah semangat dan keterlibatan aktif peserta selama proses pelatihan. Program ini berhasil memperkenalkan berbagai peluang usaha potensial seperti usaha kuliner rumahan, jasa fotografi kreatif, serta kerajinan tangan berbahan lokal. Temuan ini mengindikasikan bahwa meskipun motivasi telah berhasil dibangun, diperlukan pendampingan lebih lanjut untuk mengkonversi semangat tersebut menjadi aksi nyata. Untuk kegiatan serupa di masa depan, disarankan untuk mengembangkan program lanjutan berupa pendampingan intensif, akses permodalan, serta pembentukan jejaring usaha guna memastikan keberlanjutan usaha yang dirintis peserta. Hasil program ini memberikan kontribusi penting dalam pengembangan model pembinaan kewirausahaan bagi remaja marginal.

Bioinformatics is an interdisciplinary field that integrates biology, statistics, and computer science to analyze large-scale biological data. In the context of secondary education, students' understanding of this concept is still minimal. This study aims to evaluate the effectiveness of a training on the Implementation of Data Science in Bioinformatics, organized by the Statistics Study Program at Universitas PGRI Adi Buana Surabaya as part of a community service activity. The training methodology used a hybrid approach combining offline and online sessions. Twelfth-grade science students from five partner high schools participated. The training materials covered the basics of statistics, an introduction to bioinformatics, and biological data analysis case studies. The training showed increased participants' conceptual understanding and interest in data science. Furthermore, active interaction between students and speakers demonstrated the success of the participatory approach in learning activities. This activity also created collaborative relationships between partner universities and schools, extending the educational impact to secondary education environments. This training demonstrates the importance of integrating bioinformatics in secondary education to prepare young people to face the challenges of data-driven science.ABSTRAK Bioinformatika merupakan bidang interdisipliner yang mengintegrasikan biologi, statistika, dan ilmu komputer untuk menganalisis data biologis dalam skala besar. Dalam konteks pendidikan menengah, pemahaman siswa terhadap konsep ini masih sangat terbatas. Penelitian ini bertujuan untuk mengevaluasi efektivitas pelatihan bertema Implementasi Sains Data pada Bidang Bioinformatika yang diselenggarakan oleh Program Studi Statistika Universitas PGRI Adi Buana Surabaya sebagai bagian dari kegiatan pengabdian kepada masyarakat. Metodologi pelatihan menggunakan pendekatan hybrid yang menggabungkan sesi luring dan daring. Siswa kelas XII jurusan IPA dari lima SMA mitra dilibatkan sebagai peserta. Materi pelatihan mencakup dasar-dasar statistika, pengenalan bioinformatika, serta studi kasus analisis data biologis. Hasil pelatihan menunjukkan adanya peningkatan pemahaman konseptual dan minat peserta terhadap bidang sains data. Selain itu, terjadi interaksi aktif antara siswa dan narasumber yang mencerminkan keberhasilan pendekatan partisipatif dalam kegiatan pembelajaran. Kegiatan ini juga menciptakan hubungan kolaboratif antara universitas dan sekolah mitra, memperluas dampak edukatif ke lingkungan pendidikan menengah. Pelatihan ini membuktikan pentingnya integrasi bioinformatika dalam pendidikan menengah untuk mempersiapkan generasi muda menghadapi tantangan ilmu pengetahuan berbasis data.

Rapid advances in information technology have fuelled the emergence of digital currencies such as Bitcoin as an increasingly popular means of transaction in Indonesia. However, behind the convenience and speed offered, the use of Bitcoin also poses a high risk of fraud in online transactions. The main objective of this research is to analyse the nature of legal protection for Bitcoin users in Indonesia. This research applies normative juridical method with statutory approach, conceptual approach, case study analysis, and refers to legal protection theory, online transaction theory, and legal economic theory. One of the case studies studied is the High Court Decision 1240/Pid.Sus/2022/PN Tng which reflects the existence of a vacuum and vagueness of legal norms in the protection of Bitcoin users. The analysis shows that although Bitcoin has been regulated under the legal framework of digital asset trading, there are still inefficiencies in the application of legal protection in a comprehensive and effective manner. This research emphasises the need for more progressive regulatory reforms, as well as strengthening the role of law enforcement agencies and financial technology supervisors to ensure fair, certain and comprehensive protection for Bitcoin users in the territory of Indonesia. It is hoped that the results of this research can strengthen theoretical contributions in enriching the development of digital economy law and become a practical reference for policy makers.

Entrepreneurs in the digital era face constant challenges that require adaptation and innovation. Although economic and managerial factors are often the focus, the role of psychological dimensions such as resilience and creativity in entrepreneurial success has not been widely reviewed in depth. This study aims to examine relevant theories and findings on psychological resilience and creativity in the context of entrepreneurship, and to build a conceptual framework to support entrepreneurial innovation. Using a qualitative literature study method, this study systematically searches, analyzes, and synthesizes scientific literature from various databases. The results of the synthesis indicate that psychological resilience is crucial for entrepreneurs to recover from failure and adapt to change. Characteristics such as optimism and emotional regulation are the pillars of mental resilience. Meanwhile, creativity is an innovation engine that facilitates the identification of new opportunities and the development of unique solutions. A synergistic relationship between resilience and creativity is also found: resilience provides a psychological buffer for taking creative risks, and the creative process can strengthen self-resilience. The theoretical implication is the need for a more holistic entrepreneurship model. In practice, this study recommends educational institutions, especially the Faculty of Psychology, to integrate the development of resilience and creativity into the entrepreneurship curriculum.

The purpose of this study is to investigate how customers' purchasing decisions at Abu Rohmah Store are influenced by store layout and rational motivation. The study uses a quantitative survey approach, gathering information from 50 respondents via questionnaires. Multiple linear regression analysis was used to examine the gathered data. The results indicate that store layout has a significant effect on consumers' purchasing decisions, with a regression coefficient of 0.814. Furthermore, customers' rational motivation is also significantly influenced by store layout, as evidenced by the regression coefficient of 0.347. According to the coefficient of determination, 64% of the variation in consumers' purchase decisions can be explained by these two variables. These results aid in the creation of marketing plans and the enhancement of offerings in the neighborhood retail industry.

This research focuses on the implementation of conventional and digital learning media in Christian Religious Education and Character Education at SMP Negeri 8 Palangkaraya. The study aims to analyze the effectiveness of these media in enhancing student understanding and engagement. A quantitative experimental design was employed, involving 106 seventh-grade students divided into groups using different media: educational snake and ladder games for conventional media and interactive PowerPoint presentations for digital media. Data were collected through observations and Likert-scale questionnaires. The findings indicate that both media effectively foster a lively learning atmosphere, with students showing high enthusiasm and participation. The conventional media was particularly beneficial for active learners, while digital media catered to visual learners. The implications suggest that varied media use can enhance teaching quality and accommodate diverse learning styles, making learning more engaging and meaningful.

Advances in information technology have driven the transformation of health services towards digitalization, one of which is through the Mobile JKN application provided by BPJS Kesehatan. This study aims to analyze the level of satisfaction of the Medan City community with the online registration process using the Mobile JKN application. The research method used is a descriptive quantitative approach with a purposive sampling technique on 100 respondents who meet the criteria: domiciled in Medan City, aged over 17 years, and have used the Mobile JKN application. Data were collected through a closed questionnaire based on a Likert scale covering aspects of ease of use, speed of service, clarity of information, and general satisfaction. The results showed that the majority of respondents were satisfied with the ease of access and speed of registration through the application, although there were still technical obstacles and lack of information felt by some users. These findings can be the basis for improving the digitalization system of health services, especially in optimizing features and delivering information on the Mobile JKN application.

Elementary school-aged children have unique characteristics, such as enjoying play, movement, group activities, and hands-on learning. Most students at this age prefer practical activities over theoretical instruction. Therefore, primary education aims to support and develop children's growth in accordance with their developmental tasks. Elementary school teachers play a crucial role in integrating these developmental needs into the learning process. The implementation of education at the elementary level must align with national regulations and policies, including standards for management, assessment, facilities, final examinations (UASBN), and teacher qualifications. Learning evaluation is a critical component in ensuring educational quality. However, in practice, teachers often face challenges such as limited time and a lack of understanding in assessing affective and psychomotor domains. As a result, solutions such as teacher training and more effective classroom management are necessary. This study aims to identify the challenges and proposed solutions related to the implementation of learning evaluations in elementary schools based on interviews with educational practitioners.