This research aims to determine the influence of digital financial literacy on Generation X's decision to use banking applications. The approach used is quantitative with a correlational type of research. The sample consisted of 30 respondents aged 45–60 years who had used digital banking applications for at least the last three months. Data was collected through a questionnaire with a Likert scale and analyzed using validity, reliability, normality, Pearson correlation and simple linear regression tests. The results of the analysis show that there is a positive and significant relationship between financial digital literacy and the decision to use banking applications, with a correlation coefficient of 0.672 and a significance value of 0.000. The regression equation obtained is Y = 1.584 + 0.628X, with an R² value of 0.395. This means that 39.5% of the decision variables to use banking applications are influenced by financial digital literacy. This research concludes that increasing financial digital literacy can significantly improve Generation X's decisions in utilizing digital banking services.

This study explores the paradox of democracy in Muslim-majority societies, particularly how democratic political systems influence the role of religion and the construction of religious identity. Employing a qualitative-descriptive approach through literature review and case studies in Indonesia and Turkey, this article finds that democracy opens participatory space for religious expression while simultaneously enabling the domination of majoritarian Islamic identity in the public sphere. This transformation leads to the fragmentation and commodification of religious identity, shifting it from a spiritual-transcendent value toward a symbolic-political function. In Indonesia, post-Reformasi democracy has fostered the expansion of conservative Islamic movements via electoral and social mobilization. In Turkey, democratization under the AKP regime has turned into religious populism that undermines secularism. The study concludes that democracy in Muslim-majority societies holds a paradoxical potential: it can serve as a medium for religious reform or become a tool for identity-based hegemony. Hence, strengthening institutions, political ethics, and reflective religious narratives is essential to make democracy a just and inclusive arena.

Gamification is an instructional approach that incorporates game elements to enhance student engagement and motivation in the classroom. This classroom action research was conducted with sixth-grade elementary school students by integrating gamification techniques into the learning process. Various game-based components such as point systems, levels, challenges, and rewards were applied throughout the instructional activities. During the study, data were collected on student participation, academic achievement, and responses to the implementation of gamification. The findings indicate that gamification strategies significantly improved student involvement in the learning process. Students demonstrated greater enthusiasm and active participation during gamified lessons. Moreover, improvements in academic performance were observed among students engaged in gamification-based learning. However, further research is needed to explore in more depth the factors that influence the effectiveness of gamification across different subject areas.

The purpose of the research is to identify and classify dark-patterns used in digital marketing analysis, perceptions of the ethics of dark-pattern use, examine the impact of dark-patterns on consumer loyalty, and provide ethical understanding as a basis for preparing responsible digital marketing strategies. The method used is a quantitative approach with a survey method through primary data obtained directly from respondents through the distribution of questionnaires designed to measure their experiences and perceptions of the use of dark patterns in the context of digital marketing. Meanwhile, secondary data was obtained through a literature study that included scientific journals, academic articles, industry research reports, and related documents that discussed key concepts such as dark patterns, digital marketing ethics, and consumer loyalty. The study concluded that dark patterns with practices such as forced continuity, hidden costs and countdown timers reduce consumer trust in brands and lead to a decrease in consumer loyalty. Dark patterns can only offer short-term benefits in terms of conversions and sales, but their long-term impact decreases consumer loyalty to both products and brands.

This study aims to provide empirical insight into the interaction of financial factors, investment decisions, dividend policy, and profitability and their effects on firm value using the Structural Equation Modeling with Partial Least Squares (SEM-PLS) approach. This quantitative study uses data from 150 manufacturing companies in West Java selected through stratified random sampling, with data collected through structured surveys and interviews with key decision makers. The results of the analysis show that investment decisions have a positive and significant effect on firm value, indicating that proper capital allocation can increase business value. Dividend policy shows a complex relationship with firm value, so a balanced dividend distribution strategy is needed. Profitability has a strong positive correlation with firm value, emphasizing the importance of maintaining profit sustainability. This research model is able to explain 65% of the variation in firm value, indicating the strength of the relationship between the variables analyzed. The practical implication of this study is the importance of financial strategy decision making in the manufacturing sector, especially in terms of investment and dividend policy. Companies are advised to implement a careful investment strategy, moderate dividend policy, and focus on profitability to increase market valuation. This study makes an original contribution by presenting empirical data from the under-researched manufacturing sector of West Java and presenting a comprehensive model that explains the key dynamics that determine firm value in the industry.

This study aims to analyze the factors influencing employee engagement among Generation Z in the manufacturing industry in Semarang Regency. Using a qualitative approach with case study design, data were collected through in-depth interviews, focus group discussions, participatory observation, and document analysis involving 25 Generation Z employees from three manufacturing companies. The results identified five main factors affecting employee engagement: job design and autonomy, leadership and supervisor relationships, career development and continuous learning, work environment and organizational culture, and work-life balance and flexibility. Career development and continuous learning emerged as the most influential factor (84.7%), followed by leadership and supervisor relationships (81.2%). Companies that successfully engage Generation Z employees are those that balance manufacturing standardization requirements with Generation Z's preferences for autonomy, self-development, and flexibility. The findings contribute to enriching the understanding of employee engagement in the specific context of Generation Z in the manufacturing industry and provide practical guidance for manufacturing companies in developing more effective human resource management strategies. This research suggests that manufacturing companies need to transform their approach to human resource management to accommodate the unique preferences and expectations of Generation Z.

The COVID-19 pandemic has reduced tourism to Karawang Beach, which holds significant potential. This study investigates how memorable tourist experiences (MTE) influence word of mouth (WOM) and revisit intention (RI) among tourists at Karawang Beach and offers strategic recommendations to tourism managers. The study surveyed 120 qualified respondents using a quantitative descriptive-verification approach. Utilizing SEM-PLS, MTE was found to have a positive and substantial effect on WOM (0.662) and RI (0.488), while WOM significantly influenced RI (0.480). RI was explained by 77.8% of the variance in MTE and attention to revisit intention through WOM, with an R-square value of 0.778. These findings indicate that a good tourist experience can encourage people to return and share positive reviews. Therefore, tourism management should enhance the quality of tourist experiences to boost word-of-mouth marketing and persuade visitors to return to Karawang Beach

Bedda Lotong is a traditional scrub from the Bugis tribe of South Sulawesi, Indonesia. The name ‘Bedda Lotong’ literally means ‘black powder’ in Bugis language, referring to the distinctive black colour of this scrub which comes from its main ingredient, white glutinous rice that is roasted until burnt. The purpose of this study was to determine the number of colonies of moulds (thread moulds) and yeasts (one-celled fungi) in Bedda Lotong with the addition of Eucheuma cottoni seaweed. In addition, this study also aimed to determine the level of panellists' liking through organoleptic tests. The research design used was a factorial Completely Randomised Design (CRD) with 3 levels of treatment with 3 replications. The treatment of adding Eucheuma cottoni seaweed as a microbial growth inhibitor. Data processing was done with analysis of variance (ANOVA) test and continued with Duncan test using SPSS V.23 software. Based on the results of the study, it was obtained that the effect of the addition of Eucheuma cottoni seaweed did not significantly affect the ALT/TPC test (>0.05) (0.087) and had a significant effect (<0.05) (0.003) on the Bedda Lotong pH test and in the treatment of A1 (5%) and B1 (10%) seaweed concentrations gave organoleptic test scores from panellists, namely a score of 4 (like).

Individuals who experience GGK and have undergone hemodialysis will experience many changes in their lives. This can affect the patient's psychological condition. Changes that occur can have an impact on individual perceptions related to their lives including the quality of their lives and perceptions about themselves including self esteem. To find out the relationship of self esteem with the quality of life in chronic kidney failure patients who are undergoing hemodialysis in the hemodialysis room of RSUD R Syamsudin SH Sukabumi City in 2025. Research uses correlational design. The number of samples was 219 people. The instruments used were the CSEI and KDQOL-S questionnaire. The statistical test used is Chi Square's correlation. There is a relationship between self esteem and the quality of life of chronic kidney failure patients who are undergoing hemodialysis, the results of the chi square test with a p-value of 0.00 or smaller than the alpha value (a = 0.05). The results of this study can provide information for RSUD R Syamsudin SH to increase health knowledge and insight to improve the quality of life of chronic kidney failure patients in hemodialysis. One step that can be taken is to provide education to increase the patient's self esteem.

This research aims to analyze the influence of emotional experience and memorable tourism experience on word of mouth in Cilamaya Mangrove Forest Tourism. These three variables are important in promoting tourist destinations. Emotional refers to the response of tourists' feelings during the visit, memorable is related to an imprinted experience, while word of mouth is communication from word of mouth when tourists share their experiences with others.The study used a quantitative descriptive verification approach with purposive sampling method and the number of respondents was 150 people. Data processing is done using Structural Equation Modeling based on Partial Least Square. The results showed that emotional variables had an insignificant effect on word of mouth. This indicates that the emotional aspect alone is not strong enough to encourage tourists to share their experiences. In contrast, memorable experiences are proven to have a significant influence on word of mouth. This means that the deeper the impression left by the destination, the more likely tourists are to share it with others. The implication of this finding is that it is important for destination managers to create memorable experiences through improved facilities, educational activities, and good service to strengthen promotion from tourists to tourists on an ongoing basis.Keywords: E, ,