An effective school payment system will trigger the performance of the agency to be better than before. Web-Based School Administration Payment System Application at SMPI Nurush Shodiqin, In the world of education, an efficient and integrated administration system is very important to maintain the smooth running of academic and management processes, including data management of students, teachers, and school management. Nurush Shodiqin Islamic Junior High School (SMPI), as one of the educational institutions in the region, experiences problems in administrative management. The administration system used is still manual, especially in terms of recording student data, recapitulating grades, and paying tuition fees. This causes various problems such as data input errors, loss of important records, and delays in delivering information to related parties. . Therefore, the implementation of a Web-based Administration System at SMPI Nurush Shodiqin is a relevant solution. This system is expected to be able to overcome existing problems and improve the quality of school administration services. With a web-based system, it is expected that the administration process can be carried out more quickly, accurately, and transparently.

Inheritance law in Indonesia has three directions, namely customary law, civil law and Islamic law. This journal article discusses one of the inheritance laws, namely customary inheritance law. The writing of this journal article aims to examine how the protection and process of obtaining inheritance rights for women in Balinese Hindu customary society, which adheres to the patrilineal system. The research method used is a normative legal research method with two approaches, namely a statutory approach and a conceptual approach. Data collection uses doctrinal which is by examining, analyzing and identifying knowledge contained in reading sources in the form of reference books, journals or previous research as research support. Based on the results of the study, it shows that under customary inheritance law, women are generally not entitled to inherit property, but only enjoy the inheritance of parents or husbands. However, they can obtain inheritance rights through grants, marital gifts (jiwa dana), or changing their status to male (sentana rajeg).

Indonesia is a country known for its richness in natural, diverse and beautiful marine resources. Coral Reefs are one of the ecosystems that must be protected and preserved as best as possible, so that they can become a place to live for marine animals such as fish and others. Australia's also a country known for its diverse and beautiful marine ecosystem. However, both countries are experiencing problems, namely that coral reefs are not maintained, so Humans overexploit coral reefs and cause fatal damage to coral reefs and other marine animals. ICRI, as one of the organizations that can maintain and preserve the sustainability of coral reefs, can be a bright spot for both of the countries to work together to maintain and protect marine ecosystems very well.

This study aims to describe the role of policy in improving the quality of learning using a qualitative approach. The data sources used in this study are literature study sources that include references from journals, books and other articles. In education, public policy functions to provide equal access to education, improve teacher competence, and develop relevant curricula. Quality education policies must adapt to the times, technological advances, and global challenges. Therefore, education policies are very important to produce a generation that is innovative, intelligent, and ready to face the development of a dynamic society.

Introduction: This study explored the role of mass media in enhancing tsunami preparedness among young adults on the southern coast of Central Java, a region highly vulnerability to tectonic events. Mass media, with its extensive reach and persuasive influence, played a significant role in disaster communication, shaping public awareness and preparedness.
Methods: Guided by Elaboration Likelihood Model (ELM) and neuroscience perspectives, the research examined how cognitive and emotional responses to disaster information influenced preparedness behaviors. A survey was conducted with 175 respondents aged 18-24 from Calaca, a high-risk tsunami zone. Among these, 91 respondents had prior disaster experience, with 60.38% relying on mass media as their primary source of emergency information.
Findings: The survey results showed that 74.9% of respondents indicated readiness for disaster preparedness. The study integrated the ELM framework with cognitive neuroscience, emphasizing modification to critical element such as ability to process information and the nature of cognitive processing. These adaptations supported more effective, persuasive disaster communication.
Originality: The finding underscored the potential of mass media as powerful stimulus, shaping cognitive responses and preparedness behavior. This research contributed to understanding the interplay between disaster communication, cognitive processes, and behavioral outcomes, offering insights for designing targeted interventions to enhance preparedness.

Introduction: Along with the technological development and radical growth of internet of things, digital marketing also risen as a vital tool in promoting products and services. Understanding the attitude and consumer buying behavior online also rapidly growing in the e-business limelight however, in the Philippine context there were few literatures about Gen Z online buying behavior. The purpose of the study is to determine the impact of digital marketing on the online purchase decision and buying behavior of Filipino Gen Z consumers.
Methods: A survey research method was utilized to collect data from randomly selected 378 Gen Z online shoppers from Polytechnic University of the Philippines. A Pearson-r correlation was used to determine if there was a significant relationship between the variables.
Findings: The results revealed that there were significant relationships between digital marketing and consumer purchase decisions. Consumer Purchase Decision was also affected by social, personal, and psychological factors. The result also revealed that time spent in social media sites does not influence the buying behavior of Gen Z in Pre-purchase, Purchase, and Post-purchase stages.
Originality: The study becomes novel since there were very few studies about digital marketing in developing countries. Furthermore, there are no previous studies examining Filipino Gen Z’s Online Buying Behavior in Purchase Decision Process in Pre-Purchase, Purchase, and Post-purchase stages. This study makes an important contribution to behavioral research in developing countries.

This research aims to analyze the legal consequences of using a Power of Attorney to Encumber Mortgage Rights (SKMHT), focusing on creditor protection when mortgage rights are not registered at the Land Office. Legal uncertainty arises for creditors when SKMHT, intended as a temporary measure, is not followed by the Deed of Granting of Mortgage Rights (APHT) and registration. This non-registration potentially harms creditors by depriving them of preferential rights in collateral execution. The urgency of this study is driven by the frequent use of SKMHT in banking and financial practices, which often lack proper legal follow-up, creating loopholes that disadvantage creditors. Using a normative juridical method. The novelty lies in exploring the legal risks faced by creditors due to non-registration, a topic that has received limited attention in prior studies. This research fills a gap by examining practical risks and proposing legal solutions to emphasize the importance of legal certainty in collateral execution. The findings show that creditors who fail to register mortgage rights after SKMHT issuance lose legal protection, making it crucial for creditors to act promptly and follow up with APHT within legal time limits. Doing so ensures execution power and prevents significant losses if debtors default. Legal reforms are essential to enhance protection and certainty in Indonesia’s debt security framework.


Penelitian ini bertujuan menganalisis akibat hukum penggunaan SKMHT, khususnya terkait perlindungan kreditur ketika hak tanggungan tidak didaftarkan di Kantor Pertanahan. Ketidakpastian hukum yang dialami kreditur saat SKMHT, yang seharusnya bersifat sementara, tidak diikuti oleh pembuatan APHT dan pendaftaran di Kantor Pertanahan. Ketidakdaftaran ini berpotensi merugikan kreditur karena mereka kehilangan hak preferen dalam eksekusi jaminan. Urgensi penelitian ini didasarkan pada meningkatnya penggunaan SKMHT dalam praktik perbankan dan lembaga pembiayaan, yang sering kali tidak diikuti oleh langkah hukum yang semestinya, sehingga menimbulkan celah hukum yang merugikan kreditur. Penelitian ini menggunakan metode yuridis normatif. Kebaruan dari penelitian ini terletak pada analisis mendalam mengenai akibat hukum bagi kreditur ketika pendaftaran hak tanggungan tidak dilakukan, yang belum banyak dibahas dalam penelitian sebelumnya, penelitian ini mengeksplorasi konsekuensi praktis dan risiko yang dihadapi kreditur, serta memberikan solusi hukum yang menyoroti pentingnya kepastian hukum dalam eksekusi jaminan, mengisi celah dalam literatur sebelumnya mengenai kurangnya membahas perlindungan kreditur dalam konteks non-registrasi. Hasil penelitian menunjukkan bahwa kreditur yang tidak segera mendaftarkan hak tanggungan setelah penerbitan SKMHT kehilangan perlindungan hukum yang efektif dalam eksekusi jaminan. Penggunaan SKMHT tanpa pendaftaran hak tanggungan membawa risiko hukum signifikan bagi kreditur, penting bagi kreditur untuk segera menindaklanjuti SKMHT dengan APHT sesuai dengan batas waktu yang ditetapkan oleh undang-undang yang memberikan kekuatan eksekusi dan mencegah kerugian yang signifikan jika debitur gagal memenuhi kewajibannya dan diperlukan reformasi hukum untuk meningkatkan kepastian dan perlindungan hukum dalam sistem jaminan utang di Indonesia.

This research discusses the application of McKinsey's 7S model in increasing profitability at PT BPRS Karya Mugi Sentosa Surabaya. McKinsey's 7S model consists of seven main elements: strategy, organizational structure, operational system, leadership style, staffing, skills, and shared values. The research used a qualitative approach with direct observation methods, structured interviews, and in-depth data analysis to evaluate the effectiveness of the model. The results showed that the harmonization of the elements of McKinsey's 7S model contributed significantly to improving profitability, reflected in the increase in assets, growth in the number of customers, and stability of financial statements over the past five years. However, challenges such as HR adaptation to the new strategy and consistency of implementation are concerns that need to be addressed. This study concludes that the implementation of McKinsey's 7S model is able to encourage the strengthening of corporate strategy and competitiveness in the midst of intense competition in Islamic banking.

The purpose of this study: (1) To test and analyze the effect of price perceptions on customer satisfaction of BRT Trans Jateng. (2) Testing and analyzing service quality on BRT Trans Jateng customer satisfaction. The subjects of this study were Trans Jateng BRT (Bus Rapid Transit) consumers in 2023. This study used a quantitative approach with data collection methods using a questionnaire. The population in this study is unknown. This study used a random sampling method with a sample of 100 respondents. The data analysis method used is multiple linear regression analysis. The results showed that (1) Price perception has a positive effect on customer satisfaction for BRT Trans Central Java. (2) Service quality has a positive effect on BRT Trans Jateng customer satisfaction.

Penelitian ini berfokus pada perancangan strategi bisnis AIF Digital Custom Agency menggunakan kerangka Business Model Canvas (BMC) yang disusun berdasarkan analisis SWOT. Kerangka ini memetakan sembilan elemen utama dalam model bisnis untuk menciptakan strategi yang terintegrasi dan responsif terhadap tantangan pasar. Penelitian ini menggunakan metode deskriptif kualitatif untuk mengevaluasi kekuatan, kelemahan, peluang, dan ancaman yang dihadapi oleh AIF Digital Custom Agency. Hasil penelitian menunjukkan bahwa kekuatan utama bisnis ini terletak pada komunikasi yang efektif dengan pelanggan, penggunaan teknologi desain mutakhir seperti Adobe Creative Suite, serta penawaran harga yang kompetitif. Namun, tantangan yang dihadapi meliputi optimalisasi sumber daya dan perluasan penetrasi pasar. Kesimpulan dari penelitian ini adalah bahwa penerapan BMC memungkinkan AIF Digital Custom Agency untuk meningkatkan daya saing melalui optimalisasi operasional dan pengelolaan hubungan pelanggan yang lebih baik. Rekomendasi diberikan untuk memperkuat strategi pemasaran digital dan meningkatkan efisiensi proses internal, guna mendukung pertumbuhan bisnis yang berkelanjutan di industri desain digital custom.