Predicting credit worthiness is an important step for banks to reduce the risk of bad credit. This research compares the performance of four classification algorithms, namely SVM, Naïve Bayes, Random Forest and Decision Tree using simulated datasets. The results obtained on the metrics of accuracy, precision, recall, F1 score, and AUC-ROC, show that Decision Tree has the best performance with 42.5% accuracy, 48.3% precision, 47.5% recall, 47.5% F1 score, and AUC 0.60, indicating its ability to is in differentiating credit worthiness. Random Forest achieved an accuracy of 37.5% and an AUC of 0.493, while Naïve Bayes had the lowest accuracy with an accuracy of 27.5% and an AUC of 0.425. SVM gives better results than Naïve Bayes but is still inferior to Decision Tree. This research recommends implementing a Decision Tree as the main model with optimization through hyperparameter tuning, adding relevant features, and handling data accounting. These results are expected to support banking decision making more effectively and efficiently.

Soursop leaves contain active compounds annonaceous acetogenins which are known to have cytotoxic activity against cancer cells. This study aims to evaluate the effect of soursop leaf methanol extract (EMDS) on the viability and growth inhibition of PC3 prostate cancer cells. The research method used was an in vitro experiment with subjects in the form of PC3 cell lines divided into five groups, namely the cell control group, the treatment group with EMDS at concentrations of 6.25; 12.5; and 25 mg/mL, and the group given doxorubicin as a positive control. Cell viability was analyzed using the MTT assay method after incubation for 0 and 24 hours, and cell morphology was observed. Data analysis was carried out using the ANOVA test. The results showed that the EMDS group with concentrations of 6.25 and 12.5 µg/mL experienced a decrease in OD values, although statistically there was no significant difference. The concentration of 12.5 µg/mL had the highest inhibitory effect on cell viability with an OD value of 0.94. Observation of cell morphology indicates the presence of cytotoxic effects. Conclusion: methanol extract of soursop leaves has potential as an anticancer agent against PC3 prostate cancer cells, although the inhibitory effect is relatively small.

This study set out to ascertain whether the provincial governments of West Java and DKI Jakarta will adopt a performance-oriented budgeting approach. A case study using a qualitative methodology is the research technique employed. This study makes use of secondary data that is comparative-analyzed from a variety of literary sources, including government publications, news articles, and journals. The results of this exploratory inquiry demonstrate that a full paradigm shift in the issue between legislative and executive policies that result in system change is still lacking in consistency and completeness. This is because old procedures are being used, and their size and cost requirements are unclear. What is needed is an integrated monitoring system that, with the support of regional leaders and without any sectoral ego among field agents, other areas could adopt. Then, greater budget transparency must keep pushing government organizations to use faster, higher-quality electronic procurement of products and services, or e-procurement (e-proc).

Social media platforms contain vast amounts of data that can reveal public sentiment on various topics. This research explores the application of deep learning techniques, particularly convolutional neural networks (CNN) and recurrent neural networks (RNN), to analyze sentiment within social media text. The results indicate that these models achieve high accuracy in sentiment classification, making them valuable tools for companies seeking to understand public opinion.

Utilization of Augmented Reality (AR) in learning Social Sciences (IPS) with a focus on presenting historical information. Augmented Reality is a technology that allows users to see the real world with the addition of digital elements, such as images, text, or 3D objects inserted in the physical environment. This research illustrates how AR can be used in social studies learning to improve students' understanding of history. By integrating AR into the learning experience, students can access additional information visually and interactively. For example, they can "see" historical figures or historical events through 3D projections that appear on top of textbooks or other learning materials. The results of this research show that the use of AR in social studies learning can increase student engagement, increase their understanding of historical material, and make learning more interesting. Apart from that, the use of AR also allows personalized learning and is tailored to students' abilities and interests. Thus, the use of AR in social studies learning, especially in the context of presenting historical information, can be an effective tool for creating a deeper and more interesting learning experience for students. Further research and development of more sophisticated AR applications in this area could be the next step in utilizing this technology in education.

This study aims to assess the efficacy of the phonics method in improving the English language proficiency of Indonesian first-grade elementary school students. The core group of 32 participants consisted of fifteen female and seventeen male students in the observation and interview techniques used to collect data. The results of this study showed that the phonics method can help increase the vocabulary of early childhood students, as the students can pronounce the letters correctly and remember the sounds of the letters and words. The findings show that the phonics method strengthens their early understanding of English by assisting first-graders in building a solid foundation. The study's findings showed that there are differences in the learning outcomes of beginning reading in students who follow the use of audio-visual media and in students who do not use audio-visual. Phonic method helped students build a solid foundation in reading, which in turn strengthened their foundation for English language proficiency. This study emphasizes the importance of phonics as a powerful teaching tool for developing reading skills in the early stages of formal education.

<div class="translate-tooltip-mtz green sm-root translate hidden_translate"><div class="header-wrapper"><div class="header-controls"><p><strong>Abstrak</strong><strong>. </strong>Tujuan penyusunan karya ilmiah ini adalah untuk mengetahui prinsip <em>Character of The Leader</em> yang sesuai untuk Generasi Z. Generasi Z sejak muda telah mengalami masa kanak-kanak di lingkungan yang serba mekanis, mereka akrab dengan kemajuan dan memiliki keakraban dengan perangkat saat ini yang secara tidak langsung mempengaruhi kepribadian mereka, baik secara skolastik maupun sosial. Generasi Z saat ini menguasai inovasi dan data, mereka juga luar biasa dalam membangun hubungan intrapersonal dan relasional. Metode yang digunakan penulis adalah studi literatur melalui buku, jurnal, dan berita online. Karya tulis ilmiah ini memberikan garis besar tentang prinsip <em>Character of Leader</em> yang sesuai untuk Generasi Z.<br /><strong><em>Kata kunci: </em></strong><em>Pemimpin, Character, Generasi Z</em></p></div></div></div>