Pancasila is the foundation of the Indonesian state, therefore Pancasila is very important in everyday life, and the existence of Pancasila can make the Indonesian nation have guiding principles for recognizing and resolving social, political, legal, cultural and other problems. The values ??that Pancasila has are good values. Therefore, the values ??of Pancasila for Indonesian people in their activities are very important, and must be instilled into the souls of every community in Indonesia. In this era of globalization, Pancasila values ??are starting to fade. This situation can be observed from the emergence of various kinds of problems arising from the non-application of the values ??of Pancasila, and if they are not immediately addressed, it is possible that the values ??of Pancasila or the meaning of Pancasila itself will disappear. This research aims to show how important it is to strengthen Pancasila values ??in the era of globalization, and the method used in this research is the interview method or what is usually called an interview.

In the ever-evolving era of digital marketing, the diffusion of innovation and the phenomenon of Fear of Missing Out (FoMO) become two interrelated elements, creating a dynamic and highly competitive marketing strategy. Diffusion of innovation, as a concept that describes the spread of new ideas or technologies in society, is a strategic key for companies that want to win the hearts of consumers.  FoMO, on the other hand, is an emotional force that can be utilized as a digital marketing strategy. The fear of missing out on the latest trends or opportunities drives consumers to be more responsive to ongoing innovations. This is where the combination of innovation diffusion and FoMO creates a unique opportunity for companies.  This research was conducted through a literature review study derived from 20 published journals/articles. Literature search through Google Scholar, Repect.Org, Knowledge Map, Mendeley, Schi Hub and Science Direct. The keywords used were "Fear of Missing Out" and "Diffusion of Innovation".  By understanding the interplay between innovation diffusion and FoMO, companies can design digital marketing strategies that not only accelerate the adoption of new products or services, but also build communities, creating a sense of uniqueness and exclusivity that can be a powerful driver to ensure the successful launch of innovations in the fast-paced digital marketplace.

This article aims to analyze the strategies of reward and punishment in enhancing the motivation and performance of agents at PT Asuransi Jiwa Sequis Life Medan Branch. This study employs a quantitative approach with a survey method. Data were collected through questionnaires distributed to 50 insurance agents working at the Medan branch. Data analysis was conducted using descriptive and inferential statistics. The findings indicate that the reward strategies implemented by the company, such as recognition and bonuses, positively impact the improvement of agents' motivation and performance. On the other hand, the application of punishment strategies, such as sanctions or incentive reductions, has also proven effective in improving discipline and performance. Overall, the combination of reward and punishment strategies significantly enhances the motivation and performance of agents at PT Asuransi Jiwa Sequis Life Medan Branch.

This article looks at how the church and the Bible have developed in the past as important factors influencing Christian communities' faith and spiritual practices. Since its beginning, the church has been the main institution for spreading the teachings of Christ, and the Bible has served as the foundational source of spiritual authority. The church has also grown from the early days of Christianity to the Reformation and up to today. Through a historical-theological approach, this article aims to provide a deeper understanding of the role of the church and the Bible in building faith and strengthening the spiritual practices of Christians. Through a historical-theological approach, this article aims to provide a deeper understanding of the role of the church and the Bible in building faith and strengthening the spiritual practices of Christians.

This article discusses the ability of Accounting students of Medan State Polytechnic in managing personal finances which include five main aspects: spending money according to needs, paying obligations on time, planning finances for the future, saving, and setting aside money for personal and family needs. Most students show good ability in financial management, although some still face challenges, such as difficulty saving and managing expenses. This study uses a survey method with a quantitative approach. The results of the study show that the majority of students are in the good to very good category in financial management. This finding reveals that although some students have large pocket money, their financial management behavior is not yet completely ideal, so it requires more awareness in acting financially. The influence of family, environment, and education plays an important role in shaping students' financial habits, where parents are the main factors.
 

This study aims to measure the level of participant satisfaction with learning services at LKP Multi Talenta Komputer Purwokerto. Participant satisfaction is an important indicator in assessing the effectiveness of the learning curriculum implemented. Factors such as facilities, services, and obstacles in learning become the main benchmark. Data from 54 respondents were processed using K-Means Clustering algorithm to identify the most superior and weak factors. The results of this study provide recommendations for future service improvements, in order to increase participant loyalty and learning effectiveness.

The role of literature is very important for students because of the positive impact it has on their academic and personal development, including the improvement of their critical thinking skills. Students will learn to analyze storylines, characters, and themes, as well as evaluate different perspectives and meanings in a text. Literary education can also enrich vocabulary and language skills. Reading a variety of literary genres expands students' vocabulary and improves their ability to understand and use language effectively. The purpose of this study is to determine the role of literature and the development of language skills of grade II students of Lontar Baru State Elementary School in the 2024/2025 school year. In this study, literature review methodology was used, and narrative literature review was chosen as the model. This narrative report analyses and summarizes data from various journals. This research employed a qualitative methodology using secondary data from relevant journals. The researcher used descriptive analysis techniques to collect, identify, organize and analyze the various data found. The results of the study highlighted the role of intensive reading programs in school literacy programs, the use of technology in literary education, interactive learning methods and children's language skills training in the form of special training. This indicates teacher development.

Bankruptcy is a state in which a company is unable to fulfil its financial obligations or a situation where the corporation initially functions but thereafter fails in business management. Bankruptcy is a state in which a firm lacks the money to operate its operation. The objective of the research is to identify the variables contributing to bankruptcy in PT. Garuda Indonesia. This research employs the Altman Z-score methodology using a bankruptcy calculation. This analysis indicates that the firm is at risk of bankruptcy, since its present assets from 2016 to 2019 are insufficient to meet its financial obligations. Companies must use deliberate, clear, and suitable measures to enhance operational cost efficiency. An inadequate business plan and human resources without a clear vision and goal for the organisation contribute to losses. This research seeks to evaluate the financial performance of PT Garuda Indonesia (Persero) Tbk from 2016 to 2019 using the Altman Z-Score model. The population and sample in this research consist of the complete financial statements of PT Garuda Indonesia (Persero) Tbk for the years 2016 to 2019. The findings of this research indicate that from 2016 to 2019, the bankruptcy rate at PT Garuda Indonesia (Persero) Tbk was unfavourable, as shown by a Z-Score below 1.10, signifying a state of bankruptcy. The most pronounced decrease was seen in the Working Capital to Total Asset ratio, particularly in 2019. This results from the annual growth in current obligations.

The purpose of this study was to determine the internal and external factors of pepper farming development and to identify strategies for developing pepper farming in Wonuahoa Village, Lambuya District, Konawe Regency. This study was conducted from April to June 2024, in Wonuahoa Village, Lambuya District, Konawe Regency. The determination of the location of this study was carried out purposively, a method of determining the research area intentionally. The population in this study were all farmers who farm pepper in Wonuahoa Village, Lambuya District, Konawe Regency, where the number of farmers was 56 people. The sample determination was carried out by census, namely by taking all populations as research samples. The analysis uses the SWOT formula. Based on the results of the study, internal factors (strengths and weaknesses) are strength factors consisting of five strength factors while weakness factors consist of five strength factors and external factors (opportunities and threats) are opportunity factors consisting of six opportunity factors while threat factors are the fourth threat factor in the development of pepper farming in Wonuahoa Village, Lambuya District, Konawe Regency and the strategy for developing pepper farming in the research area shows that pepper farming is in the position of development strategy quadrant I (Aggressive Strategy) namely optimizing the high potential price of pepper in the market determined by certified seeds (S1-O1), The high enthusiasm of farmers will be able to use cultivation technology (S4-O4) and high farmer loyalty will create support from the government (S3-O6)

The Analysis of the Financial Report of PT Akasha Wira International Tbk. Aims to Determine The Company's Financial Performance by Compared The Figures in Its Financial Report. Want to see Whether the Company is getting better or noT over time. To do this analysis. Using The Index Number Method. This Method Compares Financial Figures in a particular year with the Previous Year. The Results Show That The Financial Performance of PT Akasha Wira Is Quite Fluctuating. Specifically, the cOompany's Profit Experienced The Largest Increase in 2018, which was IDR 417,281,000 OR 25.89% indicating a significant increase in income. Liabilities and Equity Experienced The Largest Increase in 2023 of IDR 2,262,899 OR 36.00%, Indicating An Increase InThe Company's Total Assets. This Could Indicate A Business Expansion OR Investment Made. Over a 5-year period, The Company Has Shown Sustainable Growth and Effective Utilization of Equity Resources.