Temuan dari penelitian ini mengindikasikan adanya hubungan pengaruh literasi keuangan terhadap perilaku konsumtif dan kemampuan pengelolaan keuangan di kalangan mahasiswa program studi akuntansi Universitas Pendidikan Indonesia. Penelitian ini dilakukan dengan pendekatan kualitatif metode survei melalui penyebaran kuesioner dengan jumlah responden sebanyak 47 mahasiswa. Penelitian ini menghasilkan temuan bahwa literasi keuangan memiliki hubungan negatif terhadap perilaku konsumtif. Sebaliknya, literasi keuangan memiliki hubungan positif terhadap kemampuan pengelolaan keuangan. Sehingga dapat disimpulkan bahwa mahasiswa dengan tingkat literasi yang baik, cenderung mampu dalam membatasi diri dari perilaku konsumtif dan dapat mengelola keuangannya dengan lebih terstruktur. Temuan ini menegaskan pentingnya literasi keuangan dalam membentuk perilaku keuangan mahasiswa yang bijak.

This study aims to determine the extent to which product quality influences consumer purchasing decisions at the Moro Bootwear Store in Jambi. The approach used was quantitative, using descriptive and associative methods. The sampling technique used was accidental sampling, with 68 respondents, and data processing was performed using IBM SPSS version 25 software.
The results of the validity and reliability tests indicated that all instruments used in the questionnaire were valid and reliable. The Pearson correlation test yielded a value of 0.712, indicating a strong and positive relationship between product quality and purchasing decisions. The coefficient of determination (R²) of 0.507 indicates that 50.7% of the purchasing decision variables can be explained by product quality. Furthermore, the t-test results showed a calculated t-value of 8.240 with a significance level of 0.000 <0.05, indicating that product quality significantly influences purchasing decisions.
Based on these results, it can be concluded that product quality plays a significant role in influencing consumer purchasing decisions. Therefore, the manager of the Moro Bootwear Jambi Shop is advised to continue to improve product quality aspects such as design, comfort, durability, and raw materials in order to maintain consumer loyalty and increase business competitiveness.

The purpose of this study is to analyze the effect of Village Funds (DD) and Village Fund Allocation (ADD) on the poverty rate in Kec. Sitinjau Laut District, Kab. Kerinci. The data used are secondary data consisting of poverty rate data, Village Fund data and Village Fund Allocation data in 2024. The analysis method used is multiple linear regression which is then analyzed for the magnitude of partial influence and also simultaneous influence. The results of the partial test showed that there was no significant effect between Village Funds and Village Fund Allocation on the Poverty Rate, while the results of the simultaneous test showed that there was no significant effect between Village Funds and Village Fund Allocation on the Poverty Rate in Kec. Sitinjau Laut.

This study aimed to examine the impact of managerial empowerment on job performance in public joint-stock companies in Yemen. It used a quantitative approach and surveyed 433 employees from eight companies. The results reveal a high level of managerial empowerment practice in listed companies, with an average score of 5.51. Similarly, the average job performance score in the companies recorded an average of 5.55, indicating a high level of practice that enhances efficiency and competitiveness. There is also a strong positive impact of managerial empowerment on job performance, with the effect measured at (beta = 0.89). Based on these findings, the study recommends a comprehensive approach to employee empowerment, emphasizing a supportive and engaging work environment, effective task delegation, structured long- and short-term training, and a strong focus on employee motivation to improve job performance in public joint-stock companies.

Penelitian ini bertujuan untuk mengetahui pengaruh kepemimpinan birokrasi terhadaplKinerja pegawailmelalui kepuasan kerja sebagai variabel intervening pada kantor Dinas Penanaman Modal dan Pelayanan Terpadu Satu Pintu Provinsi Jambi. Jenis Penelitian ini adalah Penelitian Kuantitatif dengan Populasi sebanyak 52 Orang pegawai kantor Dinas Penanaman Modal dan Pelayanan Terpadu Satu Pintu Provinsi Jambi. Pengujuan hipotesis menggunakan teknik analisis deskriptif dengan menggunakan aplikasi SmartPLS 4.0 sebagai alat pengolahan data Uji Outer Model yaitu Convergent Validity, Discriminant Validity, Composite Realibility dan Uji Inner Model yaitu R Square dan Q Square. Hasil penelitian ini menunjukkan bahwa kepemimpinan birokrasi berpengaruh positif dan signifikan terhadap kinerja pegawai. kepemimpinan birokrasi berpengaruh positif dan signifikan terhadap kepuasan kerja pegawai. Kepuasan kerja tidak memiliki pengaruh signifikan terhadap kinerja pegawai. Kepemimpinan birokrasi tidak berpengaruh signifikan terhadap kinerja pegawai dan kepuasan kerja sebagai mediasi. Saran pada penelitian ini pimpinan lebih banyak mendengarkan masukan dari anggota pegawai dan meningkatkan kemampuan ketika mengambil keputusan. Pimpinan dan pegawai meningkatkan kemandirian ketika menyelesaikan tugas-tugas dan lebih sering mencari solusi sendiri sebelum meminta bantuan. Kantor perlu meningkatkan kejelasan prosedur dan kriteria yang digunakan dalam proses promosi dan pegawai lebih sering mendiskusikan peluang promosi. Dan bagi peneliti selanjutnya disarankan untuk membaca referensi lain lebih banyak lagi sehingga hasil penelitian selanjutnya akan semakin baik serta berkembang lebih lanjut ilmu pengetahuan yang baru.
Kata Kunci: Kepemimpinan Birokrasi, Kinerja Pegawai, Kepuasan Kerja.

SMP Muhammadiyah Al Mujahidin is a leading school in Gunungkidul Regency which has 60 teachers and 52 employees. In terms of payroll systems tend to differ between statuses. There are three groups or levels in employee status including Teachers/Contract employees, Teachers/Temporary Employees of the Foundation, Teachers/Permanent Employees of the Foundation. The three levels of status clearly affect the receipt of their respective salaries. In addition to class, incentives also greatly affect the amount of salary received by each teacher/employee. The research subjects were some teachers and employees at SMP Muhammadiyah Al Mujahidin with details of 34 teachers and 23 employees. The data taken is data on receiving teacher and employee incentives in September 2022 using the sampling method through interviews with selected teachers and employees and the school treasurer, still with the permission of the school principal. The results showed that of the 57 samples through statistical tests with SPSS software, there is a relationship between intensive giving and work discipline with a correlation of 0.651 (correlation is significant at the 0.01 level (2-tailed).

This research examined and analysed the impact of gender diversity in the boards of directors, independent commissioners, and audit committees on the quality of a company’s earnings. The quality of earnings is a crucial marker in evaluating a company’s financial performance, which is reported to interested parties. Gender diversity is believed to enrich perspectives in the strategic decision-making process. Meanwhile, the supervisory function of independent commissioners and an effective audit committee can minimise the practice of manipulating financial statements. The research method used is quantitative, with data analysis techniques in the form of multiple linear regression. The sample consists of health and technology sector companies listed on the Indonesia Stock Exchange during the 2021-2023 period, with selection criteria based on purposive sampling. The study results show that the gender diversity of the board of directors, independent commissioners, and audit committees does not affect the quality of earnings. These findings suggest that the presence of women in top management strategy positions remains limited, both in terms of numbers and their roles. The unproven influence of gender diversity in this study can be caused by the uneven proportion of genders in the top management ranks. The dominance of one gender in company leadership, both men and women, is considered not optimal in encouraging company performance, including maintaining the quality of earnings. The implications of this study emphasize the importance of strengthening the supervisory function in the corporate governance structure to improve the quality of reported financial information.

This study aims to analyze the influence of the lifestyle of credit relationship managers (RMs) and the potential for fraud on the occurrence of non-performing loans in the banking sector. Relationship managers are the spearheads of credit distribution, interacting directly with customers, so their behavior, lifestyle, and integrity have a significant impact on the quality of a bank's credit portfolio. This study uses a qualitative descriptive method with a systematic literature review approach, reviewing various recent studies related to bank employee lifestyles, factors driving fraud, and their correlation with non-performing loans. The results indicate that a consumptive lifestyle disproportionate to income can increase the risk of fraudulent behavior, such as manipulation of credit analysis or collusion with customers, which ultimately results in an increase in non-performing loans. Furthermore, weak internal control systems, pressure to achieve credit targets, and moral hazard exacerbate this risk. A lifestyle that prioritizes social symbols and self-image can also encourage employees to engage in deviant behavior to maintain this lifestyle. Several studies have shown that RMs trapped in a hedonistic lifestyle are more vulnerable to conflicts of interest and violations of professional ethics. Meanwhile, the potential for fraud in banking practices is also influenced by employees' weak personal financial literacy, as well as limited training in risk management and ongoing work ethics. In an organizational context, a work culture oriented toward achieving targets without regard for the quality of credit analysis has the potential to create a work climate that is permissive of irregularities. This study recommends strengthening a culture of integrity through the establishment of a firm code of ethics, technology-based supervision (such as an AI-based fraud detection system), and regular training on a healthy financial lifestyle and risk management for RMs.

This research is entitled "Simulation of Cropping Patterns (Agroforestry with Horticulture) to Increase Land Productivity with Permaculture System", which aims to develop an effective simulation method for designing cropping patterns in increasing permaculture land productivity and providing simulation results and their practical application in land design. This research was conducted from March to July 2024, located at Jalan Magelang Km 5.6, Kutu Tegal, Sinduadi, Mlati, Sleman, Special Region of Yogyakarta 55284. The simulation of cropping patterns was carried out using the SketchUp computational model and Andrew Marsh Simulation, and was evaluated based on aspects of the utilization of sunlight and plant growing space. Through this simulation method, the optimal combination of plants in the permaculture system was found. The simulation results were then analyzed and evaluated in the field to assess their success in increasing land productivity. Each cropping pattern shows unique characteristics in utilizing sunlight, growing space, and soil nutrients optimally, thus supporting more sustainable and productive land management.

In today's digital era, technology plays a crucial role in supporting innovative, interactive, and engaging learning processes. Education is no longer limited to the use of conventional textbooks and whiteboards, but has been transformed through the integration of various digital media. In this context, digital literacy has become a key competency that students must possess. Digital literacy encompasses not only the ability to access and understand information from various digital sources but also involves critical thinking and collaborative skills, as well as the wise, ethical, and responsible use of technology. Studies show that the appropriate and targeted use of digital media can increase students' interest in reading materials and other learning activities. Interactive and visually appealing digital media can stimulate students' curiosity, enrich the learning experience, and increase their motivation. Furthermore, the use of digital technology also provides opportunities to develop creativity, communication skills, and problem-solving skills. Technology-based learning enables more effective learning differentiation, allowing students to learn at their own pace and learning style. This is highly relevant in the context of 21st-century education, which demands information literacy, technology literacy, and media literacy. As learning facilitators, teachers are required not only to be proficient in using technology but also to design learning that integrates curriculum content with available digital potential. Therefore, optimal use of digital technology can be a strategic solution in creating a generation that is digitally literate, creative, innovative, and able to adapt to increasingly dynamic and complex developments. To achieve this goal, collaboration between schools, the government, and parents is essential in providing adequate access to and training in sustainable educational technology.