This paper examines the influence of financial education on personal financial management practices of Generation Z. A quantitative method with a survey approach was used, involving 30 Generation Z respondents (aged 17-25 years) through questionnaires and simple linear regression analysis. The results of the study indicate a significant influence of financial education on wise financial management practices. Generation Z with adequate financial education tends to be more able to budget, save, invest, and avoid impulsive debt. Conversely, the lack of financial education makes them vulnerable to unwise financial decisions. This paper highlights the importance of integrating financial education into the curriculum and self-development programs to improve literacy and healthy financial practices among Generation Z. This study also discusses the challenges faced by Generation Z in managing finances in the digital era, such as a consumptive lifestyle influenced by social media and e-commerce.

Science learning in public schools should be designed to accommodate both regular students and students with special education needs. This is also one of the implementations of SDG 4, Sustainable Development, specifically related to quality education and inclusive education. This study aims to measure the effectiveness of cooperative learning integrated with local wisdom values of Huyula in improving science concept mastery among regular students and students with special education needs in public schools. The study employs a pre-experimental design with a one-group, pretest-posttest approach. The study was conducted in five schools involving 323 regular students and 12 students with special education needs. The research results on the effectiveness of cooperative learning integrated with the local wisdom values of Huyula showed a significant increase in science concept mastery. This is indicated by the hypothesis test through the Wilcoxon signed-rank test with a value of z = -15.84, through the N-Gain test (high category, average 0.74), and a strong effect size through the rank-biserial correlation value (-1.00). This study concludes that the implementation of science learning integrated with Huyula values and media variety has an influence and is effective in improving the science concept mastery of regular students in the high category and students with special education needs in the medium category. This finding highlights the importance of integrating local wisdom values and media variety in supporting the improvement of science concept mastery through meaningful and inclusive teaching for all students. 

The compulsive impact of human-caused climate change is now considered more of an environmental issue than a national security threat. The latest 2030 Agenda, the Sustainable Development Goals (SDGs), has a transformational vision to achieve universal literacy worldwide, including Indonesia. Addressing climate change is Goal 13 of 17 SDGs. This study uses a qualitative research method with a linear research strategy to develop hybrid-education media in the form of printed pamphlet media with Augmented Reality (AR) technology applications that run on the Web platform, namely WebAR. The procedure is triggered by the target image of the pamphlet, and the basic HTML structure uses the A-Frame 3D framework. This framework allows for 3D modeling and animation to be loaded into WebAR. This study shows that WebAR-based hybrid-education media can be used as an interactive means to study climate change issues and increase awareness and understanding of climate actions relevant to Goal 13 of the SDGs. The results also show that this media can increase public engagement in combating climate change issues.

Sharia-based monetary policy instruments, such as the Bank Indonesia Sharia Certificate (SBIS) and the Sharia Interbank Money Market (PUAS), contribute significantly to liquidity stability and expand access to sharia banking services. Even though the sharia banking sector continues to grow, the market share of the national banking industry is still relatively small due to low financial literacy, limited infrastructure and global economic challenges. This research highlights the importance of strengthening sharia financial literacy, developing digital infrastructure, as well as collaboration between the government, private sector and Bank Indonesia to overcome these obstacles. Strategic recommendations are provided to increase sharia-based financial inclusion which is expected to become a model for countries where the majority of the population is Muslim.

Examining how the Islamic monetary system uses money to build a stable and just economy is the aim of this study. Money is not to be hoarded or handled like a commodity, according to the Islamic monetary system, which views it as a public good and flow notion that functions as a medium of exchange and a unit of value. In Islam, money serves primarily as a medium of exchange, a standard of payment, and a gauge of value, speculation and wealth hoarding are prohibited. In contrast to traditional interest-based systems, the Islamic monetary system places a higher priority on mechanisms that allow for profit-and-loss sharing. Because hoarding money can slow down economic turnover and produce stagnation, it is forbidden in Islam. This is because money must continue to circulate in order to preserve economic viability.  QS Al-Hasyr: 7 and QS At-Taubah: 34–35, which explain hoarding of wealth and promote the use of money for the good of society, both highlight this principle of wealth sharing. Using data from pertinent literature and journals, this study employs a qualitative methodology based on literature reviews. Furthermore, This study is expected to provide the groundwork for a more effective sharia monetary policy that encourages equitable and balanced economic growth.

This study investigates the quality of education in public and private schools, focusing on various aspects of learning. The research aims to understand the differences and similarities in approaches, resources, and learning methodologies employed by both types of schools. Utilizing a qualitative approach, data was collected through interviews with deputy headmasters and heads of enterprises from selected public and private schools. The findings reveal significant differences in curricula, teaching methods, assessment practices, and teacher quality between the two types of schools. Public schools tend to emphasize student interactivity with a student-centered approach, while private schools are characterized by the use of modern technology and resources in learning. Despite these differences, both public and private schools share similarities in their commitment to improving the quality of teaching. Both types of schools invest in enhancing teacher competence through continuous training and professional development. The study concludes that although there are differences and similarities in approaches, resources, and learning methodologies in public and private schools, the quality of teachers and their commitment to improving teaching quality have a positive impact on both. This research provides valuable insights into the factors influencing learning quality in public and private schools, highlighting the crucial role of teachers and quality management in creating an effective and relevant learning environment for students.

The principle of profit sharing based on the concept of risk-sharing offers an alternative approach that is in line with sharia values, in contrast to the conventional interest system. This mechanism is implemented through instruments such as mudharabah and musharakah that support the financing of productive projects. However, its implementation faces challenges related to income fluctuations that can affect the stability of Islamic financial institutions. This research highlights the importance of innovation to increase the effectiveness of sharia monetary policy for inclusive and sustainable economic growth.

This research examines the psychological aspects of language in the use of language in the character Hendra in the film My Idiot Brother. This research aims to analyze how the language of an individual with severe intellectual disabilities, especially idioty, is depicted through Hendra's speech patterns. The method used in this research is descriptive qualitative, by analyzing Hendra's verbal expressions in the film. Data collection was carried out by watching, recording and noting relevant speech examples from films. Research findings indicate that Hendra's language use reflects significant challenges in understanding complex instructions, producing clear speech, and interacting socially, which is consistent with characteristics of severe intellectual disability. This research contributes to understanding language difficulties in individuals with severe cognitive impairment, especially in relation to their ability to communicate and process information. The implications of this research are relevant for educational and therapeutic practice for individuals with similar conditions, emphasizing the importance of providing a supportive environment to meet their communication needs.

The development of the National Capital City (IKN) triggers an increase in demand for goods and services, especially in the construction and basic needs sectors, which can cause a spike in regional and national inflation. Monetary policy faces new challenges, including increasing interest rates and the risk of rupiah exchange rate volatility due to dependence on foreign debt financing. These projects also influence economic distribution, creating investment opportunities, but potentially increasing economic inequality. This research emphasizes the importance of coordination between monetary and fiscal policies to mitigate negative impacts on national economic stability.

Indonesia is one of the world's largest producers and exporters of Crude Palm Oil (CPO). This study aims to analyze the competitiveness level of Indonesian CPO and the competitive position of Indonesian CPO in the target countries of the United States and Pakistan. This research uses secondary data with a time span from 2018 to 2022. The methods used in this research are the Revealed Comparative Advantage (RCA) method and Export Product Dynamic (EPD). The analysis results show that Indonesia's export competitiveness to the target countries of the United States and Pakistan is high. Then, the majority of the market share to the target countries of the United States and Pakistan is in the Rising Star position, which means there is positive growth. The government needs to synergize policies and create regulations regarding international trade agreements, the government can also simplify export licensing procedures, and Indonesian exporters need to pay more attention to the quality and composition of CPO products