The purpose of this research is to determine how income, lifestyle hedonism, and financial literacy impact the financial management of students at the University of August 17, 1945 Surabaya, with self-control as a moderating variable.This research uses a quantitative approach with a descriptive research type. Purposive sample of 30 active university students studied on August 17, 1945. The data analysis techniques used are Multiple Linear Regression and Moderation Regression, which were analyzed using the SPSS program. The research results show that financial literacy and a hedonistic lifestyle have a significant impact on students' financial management, while income does not have a significant impact. Overall, self-control does not strengthen the relationship between financial literacy, income, and a hedonistic lifestyle on their personal financial management.

This study aims to describe the implementation of exemplary methods in moral learning, especially in the material of speaking manners at Muhammadiyah Boarding School Tarakan. The method in this study uses a qualitative approach, with the type of case study research. Data collection techniques with observations, interviews and documents on teachers and students. The results of the study show that the exemplary method applied in moral learning has a positive impact on changing student behavior, especially in terms of speaking politely and respecting others. Learning is carried out through the opening, core, and closing stages that emphasize the importance of speaking manners in daily life. The teacher acts as the main role model by showing speaking manners that are in accordance with the teachings of Islam. Although the exemplary method has proven to be effective, the biggest challenge lies in the istiqomama of students in applying speaking manners in daily life.

This paper aims to evaluate the impact of changes in the tax base on Indonesia's economy. It begins by providing an overview of Indonesia's taxation system and recent changes in tax policy. The paper then discusses the effects of tax base changes on economic variables such as investment, government revenue, and economic growth. Using empirical data and economic models, this study assesses the short-term and long-term impacts of tax changes on key economic indicators. The findings indicate that while tax reforms can stimulate economic activity in the short term, their long-term effects depend on various factors such as tax structure, administrative efficiency, and economic conditions. The paper concludes with policy implications and recommendations for policymakers in Indonesia.

Competitive anxiety and self-efficacy are two important factors in influencing athlete performance. Competitive anxiety is a negative reaction felt by athletes in the face of a match and perceived as a threat. While self efficacy is a person's belief in their ability to perform a specific task. This study aims to determine the relationship between self efficacy and competitive anxiety in volleyball athletes in Gunungpati District This research is a correlational quantitative study. The sample of this study amounted to 60 subjects with the characteristics of volleyball athletes who have participated in matches and live in Gunungpati District. The sampling technique used in this study was a convenience sampling technique. Data collection tools using the SKO scale (Sports Anxiety Scale) totaling 22 items with a reliability coefficient of 0.757, and the ASES scale (Athlete Self Efficacy Scale) totaling 16 items with a reliability coefficient of 0.768. The results of this study indicate that there is a significant negative relationship between self efficacy and competitive anxiety in volleyball athletes in Gunungpati District with a correlation coefficient of -0.476 and significance (p<0.025).

Cloud computing, a versatile computing service offering processing power and data storage, presents numerous advantages including flexible payment models, expedited marketing processes, adaptable costs and capacities, cost-effective disaster recovery solutions, and enhanced global collaboration efficiency. Despite its merits, assessing cloud computing service adoption remains a challenge, especially concerning long-term factors like customer loyalty. This study endeavors to identify the determinants of user loyalty towards cloud services and assesses the predictive strength of the model. Employing a quantitative approach, the research integrates the SERVQUAL framework and the stimulus organism response (SOR) model, incorporating cloud service quality variables. Data collection, utilizing Google Forms and purposive sampling, targeted cloud service users aged 18 to 60. Analysis of responses from 286 participants was conducted using Partial Least Squares Structural Equation Modelling (PLS-SEM) via SmartPLS 4. The findings reveal the acceptance of 10 hypotheses, indicating significant influence of cloud service quality variables agility, service responsiveness, reliability, scalability, security, and assurance of service on user loyalty. Additionally, customer loyalty is influenced by factors including perceived brand image, customer satisfaction, and electronic word of mouth. The PLS-SEM model tested using PLSPredict that showed good strength for overall prediction variables. This study contributes to a deeper understanding of user loyalty dynamics within the context of cloud computing services, offering insights for service providers and researchers alike.

Introduction: The use of social media as a channel for political communication is becoming increasingly common in modern society. Some users seek virality to influence public opinion. Among them, some employ manipulative tactics to achieve virality, which can undermine deliberative democracy. Unfortunately, the impact of manipulative virality on deliberative democracy has not received sufficient attention. This study aims to describe how manipulative virality poses a threat to deliberative democracy. The researchers focus on five social media platforms--X, Instagram, Facebook, TikTok, and YouTube, because Indonesians widely use these for political communication.

Methods: The researchers use a qualitative, exploratory approach, focusing on relevant documents using interpretive analysis and observation to study of X, Instagram, Facebook, TikTok, and YouTube.

Findings: Research identifies four methods of manipulative virality that undermine deliberative democracy: using fake accounts, deploying bots, paying buzzers, and spreading hoaxes. These practices threaten and subvert deliberative democracy by creating false appearances of support, potentially distorting public opinion, misleading policymakers, and damaging society. Manipulative virality often benefits wealthy groups, as they can afford to pay buzzers and deploy bots, unlike poorer groups.

Originality: This study explores the role of social media in public discourse to promote deliberative democracy. It offers novelty by presenting an in-depth analysis that digital media has the potential to undermine deliberative democracy due to the use of bots, fake accounts, and paid influencers. The findings emphasize the importance of preserving authentic public dialogue while addressing unethical practices that manipulate social media for personal or political gain.

Penelitian groundbreaking ini membedah faktor-faktor kritis yang mempengaruhi kepuasan nasabah di industri asuransi, dengan fokus khusus pada PT. Zurich Asuransi Indonesia Region Jawa Tengah. Tujuan penelitian adalah mengkaji bagaimana aspek-aspek kualitas pelayanan, yang meliputi dimensi tangibilitas dan responsivitas, mempengaruhi tingkat kepuasan pelanggan. Lebih lanjut, studi ini juga menginvestigasi peran signifikan electronic Word-of-Mouth (e-WOM) sebagai variabel moderasi yang dapat memperkuat hubungan tersebut. Penelitian menggunakan metode kuantitatif dengan pendekatan positivisme, menggunakan sampel acak dan kuesioner skala Likert sebagai instrumen pengumpulan data. Analisis dilakukan melalui Moderated Regression Analysis dan Partial Least Square untuk menguji hubungan antar variabel, termasuk kualitas pelayanan, kepuasan pelanggan, dan e-WoM. Hasil penelitian menunjukkan bahwa tangible dan responsiveness memiliki pengaruh positif dan signifikan terhadap kepuasan pelanggan. Penelitian ini menemukan bahwa e-WOM berperan sebagai variabel moderasi yang memperkuat pengaruh kualitas produk terhadap kepuasan pelanggan. Temuan ini memberikan implikasi manajerial yang signifikan bagi perusahaan asuransi, yaitu perlunya merancang strategi pemasaran yang lebih efektif dengan memanfaatkan kekuatan e-WOM di era digital saat ini.

This groundbreaking study examines critical factors influencing customer satisfaction in the insurance industry, with a specific focus on PT Zurich Asuransi Indonesia in the Central Java region. The research aims to delve deeply into how aspects of service quality, including the dimensions of tangibility and responsiveness, impact customer satisfaction levels. Furthermore, the study investigates the significant role of electronic Word-of-Mouth (e-WOM) as a moderating variable that can strengthen this relationship. A quantitative method with a positivist approach was employed, using random sampling and Likert-scale questionnaires as data collection instruments. The analysis was conducted through Moderated Regression Analysis and Partial Least Squares to examine the relationships among variables, including service quality, customer satisfaction, and e-WOM. The findings reveal that tangibility and responsiveness have a positive and significant impact on customer satisfaction. Additionally, e-WOM acts as a moderating variable, enhancing the influence of product quality on customer satisfaction. These findings offer significant managerial implications for insurance companies, highlighting the need to design more effective marketing strategies that leverage the power of e-WOM in today’s digital era.

Introduction: The competition in the news industry makes online media portal companies constantly bombard consumers with persuasive news, not a few online media use clickbait on news titles to attract readers to click the news. It turns that, click bait is also linking with the online media marketing communication strategy. The aimed of this research was to know the linking utilization of click bait headline as and marketing communication strategies in tribunsumsel.com.

Methods: The method used was a qualitative descriptive method, data collection techniques by observations, interviews and documentations. Key informants are the Company Leader, Online Manager and the Digital Advertising Supervisor in Online Media.

Findings: The results of this research was the utilization of Click bait Headlines on tribunsumsel.com portal which become a strategy that being used as an interesting diction chosen to attract visitors and also to accelerate the amount of traffic statistics that had a very significant impact on the amount of advertisement, as one of the income source.

Originality: Originality of this research shown by the relational between clickbait headlines and marketing communication strategy which can be both negative and positive. The novelty is where other research about news online portal mostly focuses on news content, journalism etiquette, but this study looks at the other side of clickbait as a new wave phenomenon that online media marketers use to generate revenue. The other point of view from clickbait in Indonesia is interesting to discuss in further research.

This service activity is carried out by lecturers and students of the Indonesian Language Education study program with the aim of increasing interest in reading and students having the ability to construct a short story based on building elements, structure and rules. Creative expressions of short stories produced by class XI Multimedia students at Arinda Vocational School Palembang shows significant potential as a medium for increasing literacy. Through short story writing activities, students are not only able to develop writing skills, but also improve critical thinking skills, imagination, and appreciation of various forms of literary works. This method encourages students to more actively explore ideas and create work that is relevant to their experiences and interests. Thus, the use of short stories as a literacy learning medium has a positive impact on improving students’ overall literacy skills. The service method used is descriptive with a qualitative approach. After carrying out service, students are expected to have high creativity because they can present interesting stories based on their experience and imagination and are able to include intrinsic and extrinsic elements in the stories they create.

The potential of the organic soap market is increasingly promising along with the increasing public awareness of the importance of products made from natural and environmentally friendly ingredients. Our organic soap UMKM still faces many challenges, including competition with similar products and lack of access to more modern production knowledge. UMKM Utopia Bodysoap is an UMKM formed by several students of the University of 17 August 1945 Surabaya which aims to provide high-quality natural skin care products to the community. Then collaborate with UMKM Soappahollic with the aim of collaboration between UMKM Soappahollic and Utopia is to increase the competitiveness and profitability of UMKM through the development of innovative and high-quality organic soap products. This collaboration process involves several stages, starting from identifying potential collaboration, knowledge exchange, new product development, product testing and evaluation, to product marketing and sales. The results of the collaboration created a new organic soap recipe that combines the advantages of each, so that UMKM Soappahollic succeeded in improving product quality, product diversification, and business profitability.  This community service program has also succeeded in increasing the sustainability of the Soappahollic UMKM business through product diversification and wider market access.