Kemampuan berpikir kritis siswa di SMAN 13 Semarang masih rendah karena minimnya kemampuan berpikir kritis siswa dan kurang nya keatifan siswa dalam pembelajaran fisika. Penyebab utamanya adalah metode pengajaran yang digunakan di kelas. Untuk mengatasi hal ini, diperlukan model pembelajaran yang dapat mengembangkan kemampuan berpikir kritis siswa. Tujuan penelitian ini adalah untuk mengetahui kemampuan berpikir kritis siswa dan kemampuan kerjasama siswa setelah diterapkan model pembelajaran NHT, serta mengetahui respon siswa terhadap penerapan model pembelajaran NHT. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan eksperimental Quasi Experimental Design yang menggunakan pretest dan posttest control group. Subjek penelitian adalah siswa kelas XI MIPA 1 dan MIPA 4 di SMA Negeri 13 Semarang. Analisis data menggunakan uji two independent sample t-test dan perhitungan N-gain. Hasil uji t-test menunjukkan signifikansi 0,00 ? 0,05, hasil tersebut menunjukkan adanya perbedaan yang signifikan antara kelas kontrol dan eksperimen. Nilai N-Gain rata-rata kelas eksperimen menggunakan model kooperatif NHT adalah 54%, masuk dalam kategori cukup efektif. Peningkatan dalam kemampuan berpikir kritis, terutama indikator klarifikasi, penilaian, kesimpulan, dan strategi, menunjukkan peningkatan sedang, menunjukkan pemahaman dan jawaban yang lebih baik. Secara keseluruhan, hasil penelitian ini mencapai 0,58, masuk dalam kategori sedang. Observasi kerjasama siswa menunjukkan rata-rata persentase 94%, dikategorikan baik. Terdapat 15 indikator yang mengukur respons siswa terhadap model pembelajaran NHT, dengan data angket menunjukkan rata-rata respons 77%, dalam kategori baik. Oleh karena itu, model pembelajaran kooperatif NHT terbukti berdampak positif pada kemampuan berpikir kritis dan kerjasama siswa.

Return is one of the aspects that motivates investors to engage and is also a reward for the investor's courage in bearing the risks of the investment they make. The aim of this research is to determine the effect of Return on Equity, Current Ratio, price earnings ratio, Debt to Equity Ratio and total assets turnover on stock returns in companies included in the LQ-45 index on the Indonesia Stock Exchange in the period 2016-2021. The population in this research are companies on the Indonesian Stock Exchange in the 2016-2021 period. The sampling technique in this research used purposive sampling. Empirical findings prove that NPL ratio factors affect firm value, while other factors namely; Company growth (FG), CAR, Loans (LDR), BOPO, DPK Growth (DG) and profitability partially do not affect the value of the company (Tobin's Q), but affect the value of the company (Tobin's Q) together.

Bankruptcy is one of the main threats to business sustainability, especially for micro, small, and medium enterprises (MSMEs). This article explores the importance of financial planning, accurate record-keeping, and cash flow management strategies to mitigate bankruptcy risks, focusing on a case study of Rumah Makan Fajar Jeumpa. The findings reveal that irregular transaction recording, ineffective cash flow management, and the absence of structured financial strategies are key factors contributing to financial vulnerability. By implementing simple financial record-keeping systems, creating budget projections, and diversifying income sources, MSMEs can enhance operational stability and reduce financial risks. These findings emphasize that comprehensive financial planning, supported by adequate financial literacy, is crucial in ensuring business sustainability and fostering MSME growth.

Pandemi covid sangat berdampak dalam keberlangsungan ekonomi masyarakat termasuk UMKM yang berdampak pada permodalan. Satu diantaranya  koperasi jasa keuangan syariah yang dapat membantu masyarakat adalah BMT Masyarakat Madani Sumatera Utara ( MASDA SUMUT). Penelitian ini bertujuan untuk menganalisis perbedaan pendapatan nasabah BMT MASDA SUMUT sebelum mendapat pembiayaan dan setelah mendapatkan pembiayaan. Pendekatan penelitian yang digunakan  dalam  penelitian ini ialah pendekatan kuantitatif dengan metode komparatif . jumlah sampel didalam penelitian ini berjulah 42 responden. Sumber yang digunakan dalam penelitian ini terdiri dari sumber data primer dan sekunder.Teknik pengumpulan data yang digunakan melalui kuesioner dan dokumentasi. Tekhnik analisis data menggunakan uji deskriptif, uji normalitas, uji paired t-test dan uji hipotesis. Berdasarkan hasil penelitian menunjukkan  terdapat perbedaan antara pendapatan nasabah sebelum mendapatkan pembiayaan dan setelah mendapatkan pembiayaan dimana hasil yang diperoleh berdampak positif terhadap pendapatan nasabah yang meningkat secara signifikan dalam kegiatan UMKM yang dilakukan.

This research aims to investigate the potential and strategies for accelerating economic transformation towards social welfare through a green economy approach. The green economy approach has been recognized as an effective way to integrate economic, environmental and social sustainability in economic development. Through descriptive analysis, this research identifies opportunities, challenges and policies needed to encourage sustainable and inclusive economic growth. The findings from this research will provide valuable insights for policy makers, practitioners and academics in designing and implementing policies that support sustainable economic transformation by considering opportunities and challenges in generating community prosperity with sustainable economic growth.

This research aims to analyze the Mitraguna financing system at PT Bank Syariah Indonesia (BSI). Mitraguna is one of the financing products offered by this sharia bank, and this research aims to understand in depth how this financing system is implemented and its impact on the parties involved. The research method used is a case study with a qualitative approach. Data was collected through interviews with related parties at PT Bank Syariah Indonesia, direct observation, and analysis of documents related to Mitraguna financing. It is hoped that the results of this research will provide a better understanding of Mitraguna's financing mechanism and evaluate its effectiveness and efficiency.Research findings show that the Mitraguna financing system at PT Bank Syariah Indonesia has made a positive contribution to meeting consumer financing needs. However, there are several challenges and obstacles faced in implementing this system, such as complex administrative processes and regulatory changes that can affect the financing scheme. It is hoped that this research can make a positive contribution to PT Bank Syariah Indonesia in improving the quality of Mitraguna's financing services and become a reference for further research in developing sharia-based financing products.

There are three inheritance law systems in Indonesia that apply, namely inheritance law based on civil inheritance law, Islamic inheritance law and customary inheritance law. To this day, customary inheritance law still has a strong influence and is still applied in various regions in Indonesia even though the majority have adhered to Islam. This shows the complexity of the inheritance law system in Indonesia, which reflects the country's cultural and religious diversity. The differences between these three inheritance laws explain the reason why unification between these three inheritance laws is very difficult or impossible in Indonesia. This also makes it difficult to implement the regulations of The Convention on the Elimination of All Forms of Discrimination against Women (CEDAW) to eliminate discrimination against women which is still often found in the inheritance law system in Indonesia.

Along with the development of internet technology which is increasingly progressing very rapidly, it will increasingly encourage transformation in the business world. In addition, the development of internet technology has also modernized the economy of every country in the world. technological developments in this era of globalization, the government is always trying to improve services in terms of tax payments by modernizing the tax system. The aim of modernization is to provide better, comfortable, friendly, easy, efficient service, so that taxpayers do not think that paying taxes is a burden. This has made many parties benefit from the development of internet technology, such as: citizens, consumers, individuals, groups of people and members of a community. The purpose of this research is to promote tax reporting and management using today's digital technology and how to respond to changes in tax regulations, especially for watch dealers at the Senen watch dealer and service center, Central Jakarta. As a result of this activity, traders and watch repair businesses understand digital tax reporting technology.