This study aims to explore the perceptions and preferences of ordinary workers in Jakarta regarding pension funds as a means of old-age financial planning. The research employs a survey method involving 100 respondents from various informal and formal employment sectors categorized as ordinary workers. The study focuses on three main aspects: ownership of pension savings, ability to contribute to pension funds, and the method of access preferred for purchasing pension products. The findings reveal that 64% of ordinary workers currently do not possess any retirement savings, indicating a lack of awareness or prioritization of long-term financial planning. Additionally, 77% of respondents reported that they are only capable of saving Rp. 500,000 or less per month for retirement purposes, which reflects limited financial capacity and competing daily financial needs. Furthermore, the survey found that 51% of respondents showed a preference for purchasing pension funds online, suggesting a growing acceptance of digital platforms in financial decision-making. Despite the evident need for future financial security, the overall perception and preference toward pension funds remain low among ordinary workers. This is mainly due to a lack of awareness, insufficient income, and a perceived complexity in accessing and understanding pension products. To improve participation rates, the study recommends the implementation of widespread and continuous education campaigns on the importance of retirement planning, particularly targeting low-income workers. Moreover, enhancing digital access to pension fund products can significantly boost inclusion by simplifying the purchasing process. The study concludes that pension funds, if properly promoted and made accessible, have the potential to become a viable instrument for ensuring income continuity for workers in their retirement years.

This study aims to analyze the determinants of the Open Unemployment Rate (TPT) in East Java Province during the 2017-2024 period using a panel data regression approach. The independent variables analyzed include population, Gross Regional Domestic Product (GRDP), expected years of schooling, district/city minimum wage, and poverty rate. The data was obtained from the Central Statistics Agency and analyzed using three model approaches, namely the Common Effect Model (CEM), the Fixed Effect Model (FEM), and the Random Effect Model (REM), with the FEM selected as the best model based on the Chow and Hausman tests. The results showed that economic growth and the poverty rate have a significant effect on TPT, each with a negative and positive direction. Meanwhile, the minimum wage has a significant positive effect on unemployment, while the population and the human development index do not show a significant effect. These findings indicate the need to formulate employment policies that are more focused on improving the quality of economic growth and poverty alleviation to reduce the unemployment rate at the regional level.
 
 

This study aims to examine the effect of using interactive learning media on students’learning motivation in Economics subjects for Grade X at SMA Negeri 1 Telaga,Gorontalo Regency. The study employs a descriptive quantitative approach, with a study population comprising Grade X students. A sample of 72 respondents was selected randomly using the cluster sampling teachnique, and an instrument test was conducted on 30 participants. The data analysis method applied is simple regression analysis, with validity tested using pearson correlation to determine whether the instrument is valid. The hypothesis was tested using the t-test. The findings of the study indicate that the use of interactive learning media significantly affect students’ learning motivation in Economics subjects for Grade X at SMA Negeri 1 Telaga, Gorontalo Regency. The study eyeats that interactive learning media contributes 43.8% to students’ learning motivation while the remaining 56.2% is influenced by other variables not exammed in this study.

The study examines Nigeria's resource allocation and usage as the gap in the country's pursuit of sustainable progress. The primary goal of the study is to investigate how Nigeria has struggled to achieve the Sustainable Development Goals (SDGs) due to inefficient use and distribution of financial, human, and material resources. Human and material resources are essential in every aspect of a company. An organization's ability to advance in all directions might be hindered by poorly managed human and material resources. Resources management offers a systematic assessment, requisitioning, and approval process for the evaluation and acquisition of products, equipment, and resources. The goal of resources management is to continuously seek opportunities to reduce costs and improve performance through the cost-effective selection and standardization of products, equipment, and related processes. A successful and efficient local government system will be preceded by well-managed human resources and material resources. while preserving or raising the standard of the services and care that are offered to the public. Subjectivism serves as the ontological orientation in this study, which employs a qualitative approach grounded in interpretivist philosophy. According to the study's findings, corruption, ethnic prejudices, poor governance, a lack of accountability, a lack of transparency, and unnecessary expenditure on pointless activities have all contributed to Nigeria's egregious inefficiency in resource allocation and use. According to the study's conclusion, Nigeria would be headed toward sustainable development if appropriate project planning, implementation, monitoring, and evaluation were done transparently and resources were used and distributed effectively. Therefore, the report suggests that Nigeria adopt economic and technical efficiencies in the distribution and use of its resources in order to achieve the aims of sustainable development.

This study aims to determine the influence of the Project Based Learning (PjBL) learning model on students' creative thinking skills in Social Sciences (IPS) subjects at SMP Negeri 8 Gorontalo. Creative thinking skills are one of the 21st century skills that need to be developed in the learning process, especially in social studies lessons that require analysis and solving social problems. This study employed a quantitative approach utilizing primary data from questionnaires distributed to students at SMP Negeri 8 Gorontalo. The sample consisted of 30 respondents, and the data analysis was performed using simple linear regression. The analysis shows that the t-count for the project-based learning model variable is 6.060. To determine whether Ho is confirmed or rejected, the t-table was calculated at a 5% statistical significance level, resulting in a t-table of 1.701. The comparison indicates that the t-count is greater than the t-table. This leads to the rejection of Ho, implying a significant effect of the project-based learning model on students' creative thinking skills.

Museums are locations that store various collections of cultural and historical heritage, have great potential to attract tourists. Lubuklinggau city students and students utilize the museum as a place of learning to know and understand the heritage that is in the museum. The museum in Lubuklinggau city is the Subkos museum which is located in the center of Lubuiklinggau city. Visiting a museum is not just coming, but also a process of understanding, learning, and appreciating the history and culture that we encounter in various museum collections. Unfortunately, the existence of museums is still not considered by the community, especially in its utilization as a learning tool. The management of existing museums needs to be well organized and adapted to the times. Nowadays, museums do not only focus on collections, but on how to attract visitors and make them an educational resource. This research adopts a qualitative method. The data used consists of two types: first, primary data obtained through direct interviews with museum managers, and second, secondary data taken from articles in relevant journals.

Student-Centered Learning (SCL) is a learning approach that is centered on students, in this approach educators act as facilitators in the learning process. This approach focuses on the active involvement of students in the teaching and learning process, encouraging them to build their own knowledge through exploration, discussion, and collaboration. Therefore, the author conducted a study on how the Student-Centered Learning approach can increase student self-confidence. The research method used is a quantitative research method with a questionnaire as the main instrument for collecting data. The questionnaire was compiled using a Likert scale, which allows respondents to provide an assessment of various statements related to the effectiveness of the student-centered approach in learning. The majority of students support the implementation of Student-Centered Learning because it increases their confidence in speaking, asking questions, expressing opinions, completing academic assignments, and helps overcome feelings of insecurity through discussion methods and group work.

The child-friendly city program is one of the programs where an area implements a child rights-based development system by trying to integrate several aspects such as government and community commitment and supported by human resources which in implementing it is carried out systematically, structured and sustainable, both in terms of policies that regulate this, to programs or activities. This research tries to see how the implementation of the child-friendly city program in providing special protection for children in Serua Village, South Tangerang. The research approach is qualitative with data collection techniques, namely interviews and documentary studies. This research uses George Edward's implementation theory which includes 4 aspects, namely resources, communication, bureaucratic structure, and disposition. The results showed that the implementation of the child-friendly city program in Serua Village has several success factors that have been carried out well, namely disposition and bureaucratic structure. Disposition is carried out with synergized cooperation between stakeholders, while the bureaucratic structure is well displayed in the form of coordination in the implementation of the child-friendly city. Meanwhile, other aspects that should be improved are communication and resources. Communication in this case is in the form of lack of public awareness and understanding of the program, while resources are related to budget limitations.

Understanding geometric concepts is an essential part of the mathematics learning process in elementary school. However, many fifth-grade students face challenges in grasping these concepts due to monotonous and less interactive learning media. These difficulties contribute to students' low comprehension of geometric concepts. The purpose of this study is to analyze the contribution of interactive media in strengthening students' understanding of geometric concepts in elementary school. The research employs a qualitative approach, with data collected through observations, interviews with teachers and students, and documentation. The findings reveal that less interactive teaching methods, the lack of concrete learning media, and an unconducive learning environment are the main factors hindering students' understanding. Increasing student participation and facilitating their comprehension of geometric concepts can be achieved by implementing interactive media such as digital simulations, animated videos, and educational games. Thus, interactive media can enhance students' learning motivation and create a more enjoyable learning atmosphere. By integrating interactive media into the mathematics learning process, students are expected to become more actively engaged, focused, and able to understand geometric concepts more effectively.

Purposes: This study aims to examine the relationship between Environmental, Social, and Governance (ESG) performance and financial performance (FP) and examine the relationship between ESG Controversies (ESGC) and FP, either directly or through moderation roles.
Methods: This study used a quantitative approach with random effect panel data regression and secondary data obtained from Refinitive-Datastream. The sample in this study was 175 observations of non-financial sector companies on the IDX during 2019-2023.
Findings: The study showed that ESG performance had a significant positive relationship with Tobin’s Q. However, subsequent findings found that ESGC had no significant relationship with FP, directly or through interactions with Tobin’s Q.
Novelty: This study provides new insights by filling in the gaps in previous research that examined the direct relationship between ESG, ESGC, and FP. This study will consider how the moderation role of ESGC or negative issues can affect the relationship in the context of the Indonesian market. However, with the limited sample covering Indonesia, the study results are difficult to generalize globally. Further, this study suggests expanding the sample to other sectors or companies in other countries to improve generalizations.