An important aspect that needs attention to support success in the learning process is the teacher's competency. One of the key competencies required by teachers is mastery of technology, which supports the development of TPACK (Technological Pedagogical Content Knowledge)-based learning. Additionally, mastery of technology can help develop learning media and serve as a learning aid. One of the software that can be used as an option for learning media is Octave. Octave is open-source software, allowing teachers to access it for free. It can be used as a medium/teaching tool to explain various mathematical concepts, such as functions, function limits, derivatives, integrals, and more. This training was attended by high school teachers and took place at Al Bayan Superior High School, Sukabumi Regency. During the training, participants were taught how to use Octave in mathematics instruction to enhance teacher competency. The results of the training show that the use of Octave can support learning in schools by boosting teacher competency and inspiring teachers to become more professional. This, in turn, leads to improved learning quality in schools, which ultimately enhances the overall quality of education.

Debtor default has significant implications for credit risk management in the banking sector. Default, as the failure of a debtor to fulfill its obligations in repaying a loan, not only has the potential to be detrimental to financial institutions, but can also affect the stability of the financial system as a whole. Therefore, research on this phenomenon is very important. This article aims to provide comprehensive insight into understanding debtor default and its impact on credit risk management in the banking sector. A holistic approach to this understanding includes identifying factors that contribute to default, analyzing the characteristics of vulnerable debtors, and evaluating effective risk mitigation strategies. One important aspect discussed is the factors that cause default, including macroeconomic conditions, changes in an individual's financial situation, and behavioral factors. By understanding the root causes of default, banks can identify potential credit risks early and take appropriate steps to manage them. In addition, this article discusses the importance of debtor profile analysis in identifying characteristics that are vulnerable to default. By leveraging advanced technology and data analysis, banks can strengthen their decision-making processes and improve their ability to manage credit risk. Thus, this article not only provides an in-depth review of understanding debtor default, but also provides insight into how banks can improve their credit risk management through targeted and innovative approaches. In conclusion, a better understanding of the debtor default phenomenon will help banks manage credit risk more effectively and strengthen the resilience of the financial system as a whole.

Microsoft word is a word processing software in document creation that is the mainstay of Microsoft. In this software there is a track changes feature which functions to track changes made by the reviewer in carrying out the review work. The purpose of the training is to train students in using the track changes feature in Microsoft Word. The training conducted at the Polbangtan Yogyakarta-Magelang hall is a form of community service, especially students. The stages of service are 1. socialization of the track changes feature in Microsoft word; 2. carry out training on these features by students; 3. evaluation of training programs. The result of community service is that post-training Polbangtan livestock department students are able to apply the track changes feature in Microsoft word software.