This research aims to analyze digital bank customer protection regarding cases of fund losses in accounts based on Indonesian positive law, examining the legal framework governing consumer protection in digital banking services. The urgency of this study stems from the rapid advancement of information technology in the banking sector, which is creating new challenges and cases, including instances of customer fund losses from accounts through system failures and cyber attacks. This research employs a qualitative approach with an empirical normative design, analyzing legal provisions, regulations, and their practical implementation in protecting digital bank customers. The findings reveal that digital banks are specifically regulated in POJK No. 12/POJK.03/2021 and must apply consumer protection principles according to POJK No. 6/POJK.07/2022, including transparency, fair treatment, reliability, confidentiality, and data security. The study demonstrates that fund losses due to system failures or hacking constitute violations of electronic system reliability and security principles as regulated in the ITE Law, with consumer protection guaranteed by Law No. 8 of 1999 and Law No. 10 of 1998 on Banking. This research contributes new insights into the intersection of digital banking regulation and consumer protection law, revealing gaps in current enforcement mechanisms, particularly regarding third-party cyber crimes, and proposes enhanced protective measures for Indonesia's growing digital banking sector. This study recommends strengthening regulatory enforcement mechanisms, expanding bank liability frameworks for external cyber crimes, and enhancing cybersecurity infrastructure to ensure comprehensive customer protection in digital banking.

Bait is an important factor in luring fish to hook on the hook. The aim is to find out the effect of the differences between artificial bait and natural bait for mackerel on mackerel fish catches and to find out which bait is more optimal for mackerel fish catches. The method used in this research is the Experimental Fishing method by making direct observations of the treatments tried when operating trolling equipment with artificial bait that resembles fish, then making direct observations of the number of mackerel fish caught and conducting direct interviews with fishermen. The results of the analysis based on the T test results on the artificial and natural bait treatments can be concluded that the two-sided p value is greater than 0.05, so the results do not reject the null hypothesis. This means there is no significant difference between the two types of artificial bait and natural flowerfish bait. Then, to determine the success of the catch in both treatments, a hook rate test was carried out. The total number of catches during the research for fishing rods using artificial bait had a hook rate of 56.25% and fishing rods using natural bait had a hook rate of 37.5%. From the catches, it can be seen that those who use artificial bait that resembles fish have a higher catch or hook rate than those who use natural mackerel bait.kan umpan ikan tenggiri alami.

The rise of digital technology has brought about many benefits. Digitalization brings lots of changes in both positive and negative impacts on the character development of Generation Z. Therefore, preventive efforts are needed to overcome the moral decadence of the young muslim generation. This study aims to analyze the story of Lukman al-Hakim in educating children which has been narrated in the Qur'an. This study uses the library research method to analyze sources from books, tafsir books, and journal articles about Lukman al-Hakim’s story. Using content analysis techniques, this study concluded that moral education contained in the story of Lukman al-Hakim, which includes monotheism, worship, and morals, is material that is very much needed in the digital era. In the era of information technology, the role of parents as role models in children's character education is very much needed. Parents can guide their children to face the negative influence of digital media with a stronger religious character, including spiritual and moral values, worship to God, and fellowship to human beings. So that social media, which is often consumed by young generation in excess, is not used as a living guide in daily life.

This study aims to evaluate the effect of grafting and budding techniques on the growth and success of avocado (Persea americana) plant propagation. Grafting and budding techniques are vegetative methods commonly used in horticultural plant propagation to maintain the genetic quality of the parent plant. The study was conducted using avocado plants with grafting and budding techniques on the rootstock. The parameters observed included the level of success of unification (compatibility rate), shoot growth rate, survival percentage, and growth in stem diameter and plant height during a certain period. The results showed that the grafting technique provided a higher success rate than the budding technique on certain varieties, with a survival percentage reaching 85%. However, the budding technique showed advantages in the parameter of shoot growth rate, especially on varieties with specific or better environmental adaptation. This study shows that choosing the right propagation technique, depending on the characteristics of the variety and environmental conditions, is a key factor in supporting the success of avocado plant propagation. These findings are expected to be a reference for farmers and researchers in optimizing the production of high-quality avocado seedlings.

The digital era has brought significant changes in the behavior patterns and character of the younger generation, marked by increasing cases of character degradation such as cyberbullying and decreasing empathy. This phenomenon demands a comprehensive approach in character development that is able to integrate cognitive, emotional, social, and spiritual aspects holistically. This research aims to develop a framework for the integration of Social-Emotional Learning (SEL) in Islamic education that can be implemented to shape the holistic character of students in the digital era. Using literature study method with content analysis technique, this research analyzes various literatures related to SEL and Islamic character education within the last 10 years. The results show the alignment between the core components of SEL and the fundamental values of Islamic education, where self-awareness correlates with the concept of muhasabah, self-management is in line with mujahadah an-nafs, social awareness and relationship skills reflect the value of ukhuwah and husn al-mu'asyarah, and responsible decision making is in line with the concept of maslahah. The developed integration framework has shown positive results in the transformation of learners' character, which is reflected in increased spiritual awareness, emotional maturity, social skills, and self-development. Implementation data showed an average 18% increase in learning achievement and a significant decrease in behavioral problems compared to the control group, indicating the effectiveness of this integrated approach in developing learners' holistic character

This research focuses on creating a water cycle diorama as an instructional medium for Natural Science education among fourth-grade students at SD Negeri 222 Palembang. The study employs a Research and Development (R&D) methodology following the ADDIE framework, which encompasses five sequential phases: Analysis, Design, Development, Implementation, and Evaluation. Following the development phase, the instructional medium underwent comprehensive validation by subject matter specialists and educational media experts to determine its suitability. Additionally, empirical trials involving educators and students were conducted to examine the medium's practicality and pedagogical effectiveness. Expert validation demonstrated exceptional validity, with subject matter specialists rating the medium at 86% and educational media experts providing an 87% validation score. Practicality assessment conducted by classroom practitioners yielded a 92% rating, confirming the medium's high usability in educational settings. Student trials were implemented through three progressive phases: individual assessment achieving 98% practicality, small group evaluation reaching 99%, and comprehensive field testing with 30 participants demonstrating 97% effectiveness. The findings indicate that the water cycle diorama serves as a highly suitable, practical, and pedagogically effective instructional tool for elementary science education at the fourth-grade level.

This research explores the impact of institutional ownership, managerial ownership, and the proportion of independent commissioners on firm performance, with earnings quality serving as a moderating variable. The study draws on a sample of companies that undertook Initial Public Offerings (IPOs) in 2019 on the Indonesia Stock Exchange, utilizing data spanning the years 2019 to 2023. A multiple linear regression model was employed to assess both direct effects and interaction effects moderated by earnings quality. The findings indicate that institutional ownership and the presence of independent commissioners exert a statistically significant influence on company performance, with earnings quality enhancing these relationships. This study enriches the discourse on corporate governance mechanisms within newly public firms and offers practical insights for both market regulators and investors.

During the globalization age, culturally and ethnically diverse organizations are increasing. To overcome differences and create a harmonious and productive work environment, inclusive leadership is essential. In student organizations, leadership plays an important role in producing effective teams. In the context of the diversity of student organization members of STIE Mahardhika Surabaya, this study attempts to explain how inclusive leadership practices affect team performance. This study conducted a descriptive qualitative study involving observation, documentation, and in-depth interviews and research on two student organizations, UKM Jurnalistik and PMII. The study showed that an open inclusive leadership style in UKM Jurnalistik was able to increase two-way communication, member participation, and a sense of belonging to the organization, which had a positive impact on team performance. Meanwhile, a more structural but still inclusive leadership style in PMII was also able to increase two-way communication, member participation, and a sense of belonging to the organization.

The purpose of this study is to examine the structure of economic performance and identify superior clusters in districts/cities in order to develop a basis for formulating effective regional development strategies. The methodology used is quantitative with a descriptive approach that includes analysis of location quotient (LQ), shift share and class typology. Secondary data comes from official institutions such as the Central Statistics Agency (BPS). The results of the study indicate that Sidoarjo has an advantage in the manufacturing sector (LQ 1.85) and is included in the category of advanced and rapidly developing regions. Lamongan stands out in the agricultural and fisheries sectors with significant growth, although its contribution to GDP is low, it is classified as a rapidly developing region. Gresik has a large and solid commercial sector, but its growth is still lagging behind the national average. Pasuruan is included in the lagging category because its education services sector has not become the mainstay of the economy. The cluster approach has proven successful in identifying regional potential and formulating data-based development policies. Cross-sector collaboration and responsive and supportive government policies are key factors in developing superior clusters that can accelerate regional economic growth in an inclusive and sustainable manner.

Industrialization is a key factor in the economic development of a country, including Indonesia. Since the New Order era, industrialization has become an integral part of national development strategies, marked by the growth of the industrial sector and the active involvement of state-owned enterprises (SOEs). This study aims to provide a comprehensive understanding of the concept of industrialization, its role in the economy, the development of the industrial sector in Indonesia, its impacts, and concrete examples of state-owned enterprises operating in the industrial sector. The method used is a literature review with a qualitative approach, focusing on synthesizing findings from various sources to gain deeper insight. The discussion results show that industrialization greatly contributes to economic growth and job creation, but it also brings negative impacts such as environmental pollution, consumerism, cultural value shifts, and uncontrolled urbanization. One example of a state-owned enterprise playing a major role in the industrial sector is PT Pertamina (Persero), which contributes to national energy security and the development of a sustainable energy industry. By understanding the dynamics of industrialization, it is hoped that Indonesia’s future economic development can achieve a better balance between growth and sustainability.