This article aims to examine the implementation of morals-based non-test assessment in PAI learning in grade 11 of SMK Muhammadiyah 4 Surakarta, focusing on its influence on students' character development. Islamic Religious Education (PAI) has an important role in instilling moral values. In this context, morals-based non-test assessment is an effective approach to assessing students' character development, as it focuses on observing their behavior and attitudes. At SMK Muhammadiyah 4 Surakarta, the implementation of this method is expected to help students not only understand religious teachings in theory, but also apply them in daily life. This research is a type of field research that is descriptive qualitative in nature. The main focus of this research is to understand the concept of evaluation in Islamic Religious Education (PAI) learning, which includes both test-based and non-test evaluation methods at SMK Muhammadiyah 4 Surakarta. In this study, a phenomenological approach is used to explore the experiences and understanding of individuals or groups regarding the phenomenon under investigation. Moral-based non-test assessment in PAI learning aims to evaluate students' moral values in everyday life. In contrast to test assessments that measure cognitive abilities. The implementation of morals-based non-test assessment faces obstacles such as difficulties in measuring morals objectively and limited time for observation.Morals-based non-test assessment in Islamic Religious Education (PAI) learning at SMK Muhammadiyah 4 Surakarta has an important role in shaping student character, in addition to mastery of academic material.

This study aims to prepare students in the future, in order to realize students who have good competency values, a teacher has an important role in educating and preparing them. Both in terms of physical and spiritual. Technological and information advances in the future are very dangerous if a student does not get guidance in its actualization. We hope that through this article all readers can draw the conclusions that we have compiled.

This study aims to analyze the extent of the use of ICT in Islamic religious education learning, what are the obstacles and constraints faced and how the YouTube application contributes as an additional learning resource to the understanding of students. The method used in this study is a qualitative method. This research was conducted at MDTA Ilyas Al-Fath where students in grade 1 were the subjects of this study. The data collection method used observation, interviews and literature studies. The qualitative data analysis was carried out through the approach of data collection, data reduction, data presentation and drawing conclusions. The results of the study showed that the implementation of Information and Communication Technology (ICT), especially infocus, laptops, and the YouTube application in Islamic Religious Education learning at MDTA Ilyas Al-Fath has been effective. This is manifested in the implementation carried out through learning through videos of ablution procedures and prayer movements and readings that are implemented. Furthermore, the teachers directly teach students to do what they have seen to then be practiced in real life. The obstacles or constraints faced include the difficulty of teachers in managing student discipline, uneven knowledge of students and infrastructure conditions that are not yet fully adequate. Meanwhile, external obstacles include parents who are still less attentive and environmental conditions that affect the discipline of students in applying what they have learned. The implementation of ICT using the help of the YouTube application has produced real contributions. This can make it easier for teachers and students. In terms of making it easier for teachers because with the help of ICT, learning can be carried out efficiently so that it is possible to apply theoretically and practically to students.

The aim of this study is to examine how geographical location affects the credit risk faced by savings and loan cooperatives. Using a quantitative approach, this research will develop a credit risk model that considers geographical variables,measured by the Human Development Index (HDI). The initial stage of the research involves classifying the credit dataset according to the categoriesdetermined by Bank Indonesia. The data cleansing process resulted in attributes such as credit ceiling, HDI, and credit category. Analysis was conducted using Chi-Square, and Logistic Regression methods. The Chi-Square analysis results showed  statistically significant relationship between credit ceiling, HDI, and credit category (p-value < 0.05). The Logistic Regression models demonstrated high accuracy in classifying the data, with Logistic Regression achieving 89.71%. In conclusion, credit ceiling and HDI have a significant influence on credit category, with the Logistic Regression model data classification. This study provides valuableinsights into how credit ceiling and HDI influence credit categories, which can be used to make better decisions related to public policy, developmentplanning, and social interventions

<p><span style="font-size: 10.0pt; line-height: 107%; font-family: 'Times New Roman','serif'; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">Pengabdian ini dilatar belakangi oleh UMKM GERAI KOPIMI Kecamatan Semarang Lor, yang belum optimal dalam memasarkan produknya karena hanya mengandalkan model pemasaran konvensional yaitu dengan menawarkan dari pintu ke pintu dan memajang hasil usahanya di tempat masing-masing. Selain itu produk dan cara promosi yang ditawarkanpun hanya nampak sederhana terkesan kurang menarik serta kurang mencuri perhatian dan terlihat alakadarnya. Dalam pelaksanaannya, pengabdian kepada masyarakat ini dilaksanakan dalam rangkaian kegiatan untuk memberikan pengetahuan tentang meningkatkan marketing dengan desain flyer menggunakan aplikasi canva sebagai sarana pemasaran yang mencuri perhatian. Hasil desain flyer ini nantinya akan diterapkan pada sosial media menggunakan teknologi informasi. Kegiatan ini juga akan meningkatkan nilai tambah produk hasil dengan cara desain pengemasan ulang dalam bentuk yang lebih baik dan lebih menarik. Rangkaian kegiatan yang akan dilakukan meliputi inventarisasi permasalahan yang dialami mitra, melakukan perancangan metode pemasaran dan sarana promosi produk, melakukan sosialisasi dan pelatihan terhadap metode yang telah dibuat, evaluasi kegiatan, dan pelaporan hasil kegiatan.</span></p><p>  </p><p class="MsoNormal" style="margin-top: 12.0pt; margin-right: 0in; margin-bottom: 2.0pt; margin-left: 0in; text-align: justify; text-justify: inter-ideograph; line-height: normal;"><span style="font-size: 10.0pt; font-family: 'Times New Roman','serif';">Kata Kunci: UMKM, Desain Flyer, Pengemasan Produk</span></p><p class="MsoNormal" style="margin-bottom: .0001pt; text-align: center; line-height: normal;" align="center"><strong><span style="font-size: 14.0pt; font-family: 'Times New Roman','serif';">PEMANFAATAN DESAIN FLYER</span></strong></p><p class="MsoNormal" style="margin-bottom: .0001pt; text-align: center; line-height: normal;" align="center"><strong><span style="font-size: 14.0pt; font-family: 'Times New Roman','serif';">UNTUK MENINGKATKAN PEMASARAN PRODUK PADA </span></strong></p><strong><span style="font-size: 14.0pt; line-height: 107%; font-family: 'Times New Roman','serif'; mso-fareast-font-family: SimSun; mso-fareast-theme-font: minor-fareast; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">FORUM KOPERASI DAN USAHA MIKRO <br /> KECAMATAN SEMARANG LOR</span></strong>

Optimization is an effort to maximize activities so as to realize the desired profit. The words morality and religion are often discussed among the people, wherever and whenever. Moral and religious development in early childhood can be interpreted as psychological changes experienced by early childhood related to their ability to understand and perform good behavior as well as understand and avoid bad behavior based on religious teachings that are believed. There are 3 types of games that can be used in the game method, 1) clap game, 2) singing, 3) game tools. This study aims to find out how to optimize moral and religious development in early childhood through the game method. This type of research uses library research or library research which makes library materials in the form of books, scientific magazines, documents and other materials that can be used as a reference source in this research. The results of the study show that this game method can be used by parents or early childhood educators because this method easily stimulates existing developments in children, both moral development and religious development. moral and religious development in children. Also using the learning game method will be more fun.

Optimization is an effort to maximize activities so as to realize the desired profit. The words morality and religion are often discussed among the people, wherever and whenever. Moral and religious development in early childhood can be interpreted as psychological changes experienced by early childhood related to their ability to understand and perform good behavior as well as understand and avoid bad behavior based on religious teachings that are believed. There are 3 types of games that can be used in the game method, 1) clap game, 2) singing, 3) game tools. This study aims to find out how to optimize moral and religious development in early childhood through the game method. This type of research uses library research or library research which makes library materials in the form of books, scientific magazines, documents and other materials that can be used as a reference source in this research. The results of the study show that this game method can be used by parents or early childhood educators because this method easily stimulates existing developments in children, both moral development and religious development. moral and religious development in children. Also using the learning game method will be more fun.

One way for parents to guide their children is to read fairy tales. When reading stories, parents can also insert messages that aim to stimulate the religious and moral development of children. The purpose of this research is to analyze the religious values ​​contained in the book Tales in the Al-Quran, Published by Pelangi Mizan as a tool that can be used by parents or educators to optimize children's religious and moral development.This research method is library research. The results of the research show that there are religious values ​​contained in the bookStories in the Quran, Published by Pelangi Mizan. The religious value in this study refers to Muhaimin's perspective which includes 3 aspects, namely: human relationship with God, human relationship with humans and human relationship with nature. The religious values ​​contained in the book Acts in the Quran Published by Pelangi Mizan, namely 1) the relationship between humans and God is an attitude of piety, gratitude, praising God and surrender. 2) the relationship between humans and humans, namely not insulting other people and being arrogant 3) the relationship between humans and nature, namely loving animals, which is contained in the story of Prophet Sulaiman.