The integration of digital technologies such as artificial intelligence (AI), blockchain, and big data analytics into financial risk management has substantially altered operational dynamics within various industries. This paper explores the dual-edged impact of these technologies, emphasizing both the opportunities they create and the challenges they present. Opportunities discussed include enhanced decision-making through advanced data processing, increased transactional transparency and security via blockchain, and improved operational efficiencies through automation. Conversely, the challenges encompass heightened cybersecurity risks, evolving regulatory compliance demands, costly technological integrations, and the emerging skill gaps in managing these digital tools. The paper further investigates the implications of these transformations for different sectors including banking, SMEs, and the construction industry. Each sector faces unique challenges and benefits from the adoption of these technologies. Future trends suggest a continued evolution influenced by technological innovation and regulatory changes. The paper underscores the necessity for ongoing research and adaptive strategies to fully leverage digital advancements in managing financial risks. By understanding these dynamics, financial institutions can better navigate the complexities of the digital age, ensuring robust risk management and a competitive edge in the global market.

The community of Keban Agung Village faces significant challenges related to social welfare and religious engagement. Despite the central role of the mosque as a community hub, participation in religious activities and access to social programs remain limited. This study aimed to enhance social welfare and religious commitment through a mosque-based community service program. The program included activities such as religious competitions, educational support, health services, and social welfare initiatives. A participatory approach was employed, involving local residents and mosque management in the design and implementation of activities. Data were collected through direct observation, interviews, and documentation, and were analyzed descriptively. The results indicated a marked improvement in community participation in religious and social activities, contributing to both social cohesion and spiritual growth. The study highlights the importance of mosque-centered initiatives in addressing community needs and fostering a stronger sense of collective well-being.

The focus of this research is the role of human resource management in improving teacher performance in Cibeber District, Cilegon City in terms of implementing management functions in the Independent Learning Curriculum. This research uses a qualitative approach, data collection techniques through observation, interviews and documentation, data analysis techniques used are data reduction, data presentation and drawing conclusions. The results of the research show that the role of Human Resource Management in improving teacher performance in Cibeber District , Cilegon City, namely by planning, organizing, directing and supervising, can be said to be quite good. First, planning by conducting a needs analysis and providing understanding regarding the The Independent Learning Curriculum and learning tools that must be prepared by teachers. Second, organizing by placing and dividing tasks according to abilities and educational background. Third, direction is carried out by providing direction and guidance regarding the tasks and responsibilities given as well as providing motivation in the form of giving awards for teacher performance achievements. Fourth, supervision is carried out by the school principal through class visits and supervisors from the Education Management Unit. The implications of the research results suggest that elementary schools provide training to teacher councils regarding learning media so that the communication and educational interaction process between teachers and students can take place appropriately, try to increase the availability of facilities and infrastructure for the smoothness and success of the learning process, and work together to improve each other. teacher performance, both from school principals, education staff, teaching staff (teachers), and school supervisors within the Education Management Unit and it is hoped that everything that has been achieved can be improved.

Reading is an important skill for students learning English, whether as a second language or a foreign language. Reading still plays a big role and is an essential tool for conveying meaning and information through text. For foreign language learners, reading in English is not an easy task because reading in English is complex and it is difficult to understand the meaning of sentences. Understanding is necessary to understand the meaning and obtain the information conveyed by the author. This happen because the language system of English is different from the students' native language. Hasibuan et al (2021) stated that Reading is an active process, it involves interpreting passages, not just receiving a message. It is reasonable for reading is one of the basic ways of acquiring information. Because when the students have a good competence in reading English, it will help them to obtain and enrich their knowledge.
 
 

This research aims to prove whether top-down and bottom-up strategies can facilitate students' listening skills at level eleven of MA Mazro'illah Lubuklinggau. This research used pre-experimental methods. The population of this research was class XI MIPA students with a sample of 18 students. The sample used in this research was purpose sampling. In this study, researcher used written tests which were given twice, namely pre-test and post-test. In this study, researcher analyzed data using individual scores, normality tests and paired t-tests. The results of this study were that there were 4 students who passed and 14 students who failed the pre-test, while in the post-test the number of students who passed increased, namely 16 students and 2 students who failed the post-test. The students' average score on the pre-test was 48.05 and the average score on the post-test was 84.86. The results of the paired t-test is 8.53 and ttable is 1.740 it means that Ho is rejected and Ha is accepted. In conclusion it is significantly effective to use Top-down and Bottom-up strategy to facilitate students’ listening skill at the eleventh graders of MA Mazro’illah Lubuklinggau.
 

The Resik Lan Aman Village program is one of the programs launched by the Serang City Government since 2021 which aims to change people's behavior in order to create a clean and safe environment, but the community still does not really understand the purpose of this government program, so the Resik lan Aman Village competition, just a competition, this program does not foster understanding and awareness of the cleanliness and safety involved. The aim of this assistance is to provide an understanding of what a clean and healthy village environment looks like, the importance of safety and prevention. The results of this assistance show that not all residents of the Jakung Tengah neighborhood understand that the environment is clean and safe. Don't yet understand what facilities must be provided in a clean and safe village. However, after this assistance, residents' understanding is better and residents' awareness of environmental cleanliness and safety is better.