Financial intelligence is an individual's ability to understand, manage, and optimize the management of personal finances. Financial mathematics is becoming an important tool in developing financial intelligence. In this research using literature study method this method involves the search and collection of information from related literature sources. Through financial mathematics, one can calculate the future value of an investment, estimate the return on an investment, calculate annuity payments, understand the concept of time value of money, and analyze investment risk. The application of financial mathematics in financial intelligence provides an advantage in taking better financial decisions and managing finances effectively. By utilizing financial mathematics, one can improve their understanding of Finance, make effective financial planning, and take better financial decisions.

This research aims to evaluate cabbage production planning in North Sumatra using the discrete-time Markov chain method. Cabbage is one of the horticultural agricultural products that plays an important role in North Sumatra's exports. Proper evaluation of production plans is necessary to ensure sustainability and increase productivity and export volume. The Discrete Time Markov Chain method is used to predict changes in cabbage production conditions over time by considering the factors that influence them. Data on cabbage production and harvested area in North Sumatra from 2020 to 2022 were analyzed using one-step and n-step transition opportunity matrices. The results of the analysis show that in 2023, cabbage production and harvested land area are predicted to experience a significant increase compared to the previous year. This research provides a more accurate and efficient planning strategy for cabbage production, which can ultimately improve agricultural management in North Sumatra.
 

Toko Ahmad Adam adalah toko sembako yang menyediakan kebutuhan pokok seperti beras, minyak goreng, mie instan, dan gula. Pengelolaan stok yang masih dilakukan secara manual menyulitkan pemilik toko dalam menetapkan prioritas pengadaan barang. Ketiadaan sistem klasifikasi stok menyebabkan ketidakseimbangan antara kebutuhan dan ketersediaan barang, sehingga berisiko terjadi kekurangan atau kelebihan stok. Penelitian ini bertujuan membangun model klasifikasi stok guna mengoptimalkan pengelolaan persediaan. Metode yang digunakan adalah algoritma Naive Bayes dengan input berupa jumlah stok, frekuensi barang masuk, dan data kategori barang. Model klasifikasi ini menghasilkan pengelompokan barang ke dalam dua kategori, yaitu laku cepat dan kurang laku, berdasarkan kecepatan habisnya stok dalam periode waktu tertentu. Hasil klasifikasi digunakan sebagai dasar pengambilan keputusan pengadaan barang. Pendekatan ini mampu menyajikan informasi relevan untuk membantu pemilik toko dalam menentukan barang yang perlu segera diisi ulang maupun yang pengadaannya dapat ditunda, sehingga pengelolaan persediaan menjadi lebih efisien dan efektif.

Learning media are physical tools that deliver information or learning materials to students. Educational videos have become one of the aids used in teaching and learning activities. These videos can support the learning process by conveying materials through the use of technology. Therefore, the researcher was interested in developing a medium that can be both heard and seen by students to help them better understand the subject matter. This study employed a Research and Development (R&D) approach using the Borg & Gall development model, which consists of ten development steps. The development process included initial information gathering, planning, initial product development, expert validation tests, initial product revisions, small-scale testing, second product revisions, large-scale field testing, final product refinement, and product dissemination. The results showed that the validity test of the learning media yielded a percentage of 94% from media experts, 96% from subject matter experts, 94% from language experts, and 94% from teachers. Meanwhile, the product effectiveness test using a Paired Sample T-Test showed a significance value of 0.000, which is lower than the threshold of 0.05. This indicates that the alternative hypothesis is accepted, proving a significant difference in student learning outcomes before and after using the educational video. Therefore, it can be concluded that the educational video on "Human Needs and Resource Scarcity" for Grade VII Social Studies is valid according to experts and effective in improving student learning outcomes.

The purpose of this research is to find out the comparison of Inquiry and Problem Based Learning learning models on critical thinking skills in terms of students' learning interests. This research was conducted at SMP Negeri 5 Sandai. This research was a quantitative experiment with the type of quasi-experimental design (quasi-experimental) research. The design of this study followed the research paradigm flow of Randomized Only Control Group Design where the subjects taken were grouped into two groups, namely experiment I and experimental group II. In this study, the samples were VIII grade students consisting of VIII A and VIII B classes. Experimental class 1, VIII A consisted of 30 students and experimental class 2, VIII B consisted of 30 students. The data collection tools used in this study were response questionnaires and tests of critical thinking skills in the form of essay questions. The results of the analysis of variance of the two cell paths are not the same indicating that there are differences in critical thinking skills between students with high, medium and low interest in learning. Based on the post-anava test with the Scheffe method, the value of F_(.1-.2) = 0.7374; F_(.1-.3) = 6.7540; F_(.2-.3) = 1.4279; DK = {F?F<3.168}. From the results of the calculation of the two-way analysis of variance with unequal cells, the value of F_ab=1.576<F_(0.05;2;54)=3.16 means that H_0AB is accepted so that there is no interaction between the learning model and learning interest on students' critical thinking skills.

This study aims to analyze the business position of BMT Dana Mentari Muhammadiyah Purwokerto using the McKinsey Matrix as a strategic analysis tool. The method used is a qualitative approach with data collection through literature studies, observations, and interviews with BMT managers. The data obtained were analyzed using the McKinsey Matrix to assess market attractiveness and business strength in each business unit. The study results indicate that most of the BMT Dana Mentari Muhammadiyah Purwokerto business units are in the blue and yellow zones in the McKinsey Matrix, indicating the need for selective development and maintenance strategies. This analysis also recommends effective and efficient resource allocation to improve the competitiveness and performance of BMT in the Islamic microfinance market. Thus, the use of the McKinsey Matrix has been proven to help BMT in determining the priority of business strategies that are adaptive to market dynamics and competition.

This study aims to evaluate the extent to which service quality, store atmosphere, and the implementation of proactive strategies contribute to business strategy at CV MM Acing Jaya located in Pangkalpinang. This study uses a quantitative approach with data collection techniques through distributing questionnaires to 71 respondents consisting of customers and business partners of the company. Multiple linear regression analysis was used to test the research hypothesis consisting of three independent variables (service quality, store atmosphere, and proactive strategy) and one dependent variable (business strategy). The results showed that store atmosphere and proactive strategy had a positive and significant effect on business strategy, while service quality showed no significant effect. The findings suggest that the creation of a supportive store atmosphere and the implementation of responsive and innovative strategies are important factors in strengthening the competitiveness of ritel companies. This research provides a practical contribution for businesses in developing business strategies that are more adaptive and oriented to consumer needs.

Child neglect is a form of emotional violence that can have a significant impact on a child's social and emotional development. Neglect, which is characterized by a lack of attention, affection and support from parents or primary caregivers, often hinders children's ability to build interpersonal relationships, manage emotions and form self-confidence. This impact is not only short-term but also affects the child's life in adulthood, including the risk of mental disorders such as anxiety and depression. This article aims to analyze the impact of neglect on children's social and emotional development and provide recommendations for preventive and intervention steps to support children's optimal growth and development.

This research utilizes the Markov Chain method to analyze daily weather data in the city of Medan. The main objective of this study is to forecast weather changes in the future based on the weather conditions of the previous day. Daily weather data was collected from the nearest weather station over a specific period of time. The analysis results indicate that the Markov Chain model provides good estimates of the likelihood of weather changes from one day to the next. The steady state probabilities demonstrate the dominance of partly cloudy and clear weather in the long term. This research provides valuable insights for various sectors related to weather, such as agriculture, transportation, and tourism.

Usaha Mikro, Kecil, dan Menengah (UMKM) memegang peranan strategis dalam perekonomian Indonesia, dengan kontribusi signifikan terhadap Produk Domestik Bruto (PDB) dan penyerapan tenaga kerja. Namun, UMKM menghadapi berbagai tantangan, seperti keterbatasan akses permodalan, rendahnya kualitas sumber daya manusia, kurangnya pemanfaatan teknologi, serta kendala dalam pemasaran produk. Penelitian ini bertujuan untuk mengidentifikasi permasalahan utama yang dihadapi UMKM, mengevaluasi efektivitas program pemberdayaan yang telah dilaksanakan oleh pemerintah dan sektor swasta, serta merumuskan strategi pengembangan yang aplikatif dan berkelanjutan.
Metodologi yang digunakan adalah pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui observasi, wawancara mendalam, dan studi dokumentasi. Analisis data dilakukan menggunakan model Miles dan Huberman yang meliputi reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa program pemberdayaan yang mencakup pelatihan, pendampingan, serta fasilitasi akses pasar dan teknologi dapat meningkatkan kapasitas dan daya saing UMKM secara signifikan. Selain itu, peningkatan proses pembelajaran dalam UMKM sangat penting untuk mendorong inovasi produk dan perbaikan kinerja usaha.
Penelitian ini menyimpulkan bahwa strategi pengembangan UMKM harus terintegrasi dengan pemberdayaan sumber daya manusia, peningkatan akses permodalan, dan pemanfaatan teknologi digital. Dukungan kebijakan yang memudahkan akses pembiayaan dan regulasi yang ramah terhadap UMKM juga menjadi faktor penentu keberhasilan pengembangan sektor ini. Diharapkan, hasil penelitian ini dapat menjadi acuan dalam perumusan kebijakan dan program pemberdayaan UMKM yang lebih efektif, sehingga UMKM dapat tumbuh dan berkontribusi lebih optimal terhadap perekonomian nasional.