There are many people who do the Madura tradition of early marriages but over time social changes they also affect in deciding about life to delaying marriage. The delay marriage or people often call people unmarried as single. Single is a condition in which a man/woman has not yet and does not have a marriage. This research was intended to find out how the decision was to postpone marriage on women in Madurese. This study uses qualitative methods performed on two participants with data collection done by purposive sampling means mature female participants who are not married aged 40-60 years. Research using semi-structured interviews with the Interpretative Phenomenological Analysis (IPA). IPA helps the researcher in interpreting the subjective meaning of the participant in relation to her experience in decision making. This study found that the reason not to marry because of having trauma with the past, knowing the divorced parents, have had a romantic relationship but failed to marry, and have not found a suitable partner.

This research was conducted because of the background of the use of the Legal Aid Post of the Sukabumi Religious Court which was deemed not fully effective so that the author was interested in examining the services provided by the Legal Aid Post of the Sukabumi Religious Court to the Disadvantaged Community. This research was also conducted to determine the implementation of the service provision of the Legal Aid Post of the Sukabumi Religious Court. The author uses an empirical juridical method that is guided by the Law and examines directly in the field by conducting interviews. The existence of posbakum among the public is still unfamiliar and there are still many people who do not know about posbakum and use the services of advocates who require the public to pay. This results in a lack of information for the wider community about the role of the Legal Aid Post which functions as legal aid for the poor.

Stunting is one of the challenges in human development in Indonesia, referring to the condition of failure in physical growth in children under five years old due to chronic malnutrition and repeated infections, particularly during the first 1,000 days of life, from conception until the child is 23 months old. The Pre-Marriage School (SPN) program by DP3AP2KB in collaboration with the Forum Generasi Berencana (GENRE) serves as an educational platform focused on preparing for marriage and life after marriage with proper planning. The goal of the pre-marriage school is to educate participants on the importance of stunting awareness. The SPN program is part of the efforts by DP3AP2KB to prevent stunting by providing education related to the condition. This research employed qualitative methods with a descriptive qualitative approach, using interviews and documentation for data collection. The study subjects were participants of the pre-marriage school who met the research criteria. Data were analyzed using the Milles & Huberman model, ensuring data validity through method triangulation. The study found that the causes of stunting in Depok City included inadequate nutrition, poor parenting practices, and urbanization. The implementation of the pre-marriage school program in Depok City was designed by the DPRD Commission V and the Mayor of Depok. The pre-marriage school is one of the government’s efforts to accelerate the reduction of stunting in Depok City. However, the limited time for implementation posed a challenge for the SPN program

Soil stabilization is a common technique to improve the mechanical properties of the soil in term of increasing its strength and decreasing the associated settlement. The new sustainable materials have been emerged as alternative to the traditional binders such as the cement and the lime. These materials can be used in the shallow and deep soil mixing. This paper reviewed the mechanism of the soil stabilization, the traditional binder and the sever impacts on the environment, the new echo-friendly materials, deep soil mixing technique, and the geopolemerization. The results showed significant enhancement of the shear strength of the geopolymerized silt where the strength was increased by more than 6 times. This enhancement may be attributed to the developed geopolymer-jel NASH that filled the voids, surrounded and cemented the soil particles. Consequently, this matrix considered as a novel precursor for using in the soil injecting and grouting technique. 

This study aims to determine the effect of profitability, asset structure, company size and dividend policy on capital structure (empirical study on food and beverage subsector companies listed on the Indonesia Stock Exchange for the 2018-2023 period). The type of data used in this study is secondary data obtained from documentation in the form of financial statements of Food and Beverage companies. The total population in this study was 95 companies, sample selection was carried out by the Purposive Sampling method. So that a sample of 19 companies was obtained, the independent variables used were Profitability, Asset Structure, Company Size and Dividend Policy, the dependent variable used was Capital Structure. Data analysis was carried out quantitatively and the analysis methods used in this study were in the form of multiple linear regression and classical assumption tests including normality test, multicollinearity test, heteroscedasticity test and autocorrelation test. Data testing in this study used Statistical Package for Social (SPSS) Version 25.0. The results showed that Profitability had a significant negative effect on Capital Structure, Company Size had a significant positive effect on Capital Structure, while Asset Structure and Dividend Policy did not affect Capital Structure.

PT Mitra Gadai Kepri is one of the Private Pawnshops in Batam City which is licensed by OJK to provide financing products. However, the business of financing activities carried out often occurs Default, especially with Fiduciary Guarantees. Based on the description in this thesis, the problems to be studied are: 1)How is the Legal Arrangement Related to the Settlement of Default Debtors with Fiduciary Guarantees at PT Mitra Gadai Kepri in Batam City. 2)How is the Implementation Related to the Settlement of Debtor Default with Fiduciary Guarantee at PT Mitra Gadai Kepri Partner in Batam City. 3)What Factors are the Obstacles / Constraints and Solutions Related to the Settlement of Default Debtors with Fiduciary Guarantees at PT Mitra Gadai Kepri in Batam City. The method in this research is Normative Legal research supported by empirical research. Therefore, the Legislation and Conceptual approach will be carried out. Used in data collection in this research with Interviews and Literature Studie. The results of the study concluded that consumers who default with fiduciary guarantees due to low understanding of financial literacy. As well as not knowing the existence of regulations governing the protection of consumers and the public in the Financial Services Sector in resolving defaults with fiduciary guarantees. Suggestions in this study are that the OJK and Financial Services Business Actors must increase Financial Literacy and Inclusion in the wider community and include the government in eradicating illegal financial services. Financial Services Business Actors must analyze the ability to pay prospective customers in order to minimize defaults, especially with fiduciary guarantees and must resolve defaults in accordance with applicable regulations. And an appeal to the public to be wiser and more selective in choosing financial service products and institutions that provide these services.
 
 

Debtor bankruptcy is a critical issue that has a significant impact on the performance of credit payments in the banking sector, especially at the BRI Batam Branch Office. This study aims to analyze the juridical impact of debtors' bankruptcy on credit payment performance in BRI Batam, focusing on the direct influence of bankruptcy on bank liquidity, asset quality, and bank operations. In the legal context, debtor bankruptcy is regulated by Law Number 37 of 2004 concerning Bankruptcy and Suspension of Debt Payment Obligations, which provides a framework for the bankruptcy process and its settlement. The research method used is normative juridical, with a case approach to collect empirical data from the BRI Batam Branch Office. Data was collected through interviews with bank management, analysis of bankruptcy documents, and literature review related to bankruptcy laws and regulations. Data analysis was carried out in a descriptive analytical way to understand the legal implications and operational impact of debtor bankruptcy on credit payment performance.The results of the study show that debtor bankruptcy significantly affects the liquidity and credit payment performance in BRI Batam, with direct consequences in the form of an increase in bad loans and a decrease in interest income. Delays in legal proceedings and asset liquidation also add to the bank's operational burden. Based on these findings, it is recommended that BRI Batam should improve its credit risk monitoring system and adopt a more effective risk management strategy to anticipate and overcome potential bankruptcy. The government is expected to accelerate the legal process related to bankruptcy to minimize the negative impact on the banking sector and the economy as a whole.
 
 

This community service project aims to enhance SME marketing through the collaboration of e-commerce and Instagram. Through specially designed training, SME participants were taught how to effectively utilize these platforms to market their products. The study employs both quantitative and qualitative approaches to evaluate the effectiveness of the training. Data were collected through questionnaires, interviews, and direct observations. The results indicate a significant increase in participants' knowledge and skills, as well as an improvement in sales after the training. These findings support the Diffusion of Innovations theory and integrated marketing communications, demonstrating that the collaboration of e-commerce and Instagram can enhance SME competitiveness. Recommendations include developing training materials, providing ongoing support, establishing partnerships with e-commerce and social media platforms, and conducting periodic evaluations.

The learning process at the Merdeka Campus is one manifestation of student-centered learning which is very essential. Learning on the Independent Campus provides challenges and opportunities for developing innovation, creativity, capacity, personality and student needs, as well as developing independence in seeking and finding knowledge through the realities and dynamics of the field such as ability requirements, real problems, social interaction, collaboration, self-management, performance demands, targets and achievements. Through a well-designed and implemented independent learning program, students' hard and soft skills will be strongly formed.In the series of introductions to new students, the MBKM team was asked to be a resource for introducing MBKM to new students. The aim of this activity is to provide knowledge to new students regarding MBKM. There are several benefits that students can get by participating in MBKM activities, one of which is additional competency skills outside campus, learning experiences outside campus and recognition of a maximum of 20 credits for MBKM activities so that they can speed up graduation. Students and students have the skills desired by industry.

Micro, Small and Medium Enterprises (MSMEs) play an important role as a driver of Indonesia's economy. The management of MSMEs in Indonesia has the problem of limited knowledge to calculate the right cost of goods sold because they do not understand the concept of Cost of Goods Sold (COGS). To deal with these problems, MSME actors need to understand the concept of COGS Sold to optimize profits and minimize business losses. This research method is descriptive with a qualitative approach. The data collection techniques used are literature studies and field studies. Meanwhile, the community service analysis technique consists of the preparation stage, the implementation stage and the evaluation stage. The result of this research from community service is to provide relevant knowledge to the community about the urgency of financial records in entrepreneurship. Through this activity, the public's understanding of the concept of COGS in optimizing MSME businesses has increased