The rapid development of the financial technology (fintech) industry has brought various innovations in financial services, but also poses challenges related to conflict resolution between users and service providers. This study aims to analyze the user experience in resolving disputes through fintech platforms, with a focus on the effectiveness of existing dispute resolution mechanisms. The method used in this study is a qualitative approach with in-depth interviews with active users of fintech platforms who have been involved in disputes. The results of the study show that although fintech platforms provide various channels for settlement, such as mediation or arbitration, many users complain about transparency, complexity of procedures, and unclear information regarding their rights and obligations in the process. In addition, the trust factor in third parties involved in the settlement is also a major issue. These findings provide insight into the need to improve the resolution system by improving communication between fintech service providers and users, as well as clarifying settlement procedures to create a better user experience. This study is expected to contribute to the development of policies and regulations related to dispute resolution in the fintech sector. The abstract above includes the background of the problem, research objectives, methods used, research results, and contributions from the research. You can adjust the content or focus of the research based on the specific focus you want to emphasize in your analysis.
 

This article discusses the importance of performance evaluation in Islamic education, where the results of the evaluation serve as a reference to improve teaching methods, curriculum, and educational management to make them more relevant to students' needs and aligned with Islamic principles. The research method used in this article is library research. The data collection technique involves gathering documents such as books, journals, and other materials relevant to the topic. Furthermore, the data analysis technique employed in this study is descriptive analysis, where the data is analyzed through description.
 

The research results show that there is a significant relationship between the value symbiosis paradigm and job satisfaction eudaimonia on organizational behavior. Well-implemented Islamic values ??support eudaimonic job satisfaction, which in turn increases the transformation of more positive organizational behavior. Faculty and staff who feel there is alignment between their work and their values ??tend to work better and demonstrate behavior that supports organizational goals.

This article demonstrates the broad and deep integration between artificial intelligence technology and accounting. It presents the results of a literature review of various scientific articles on artificial intelligence and accounting. This review uses various international article sources to reach more widely about artificial intelligence in accounting. Artificial intelligence comes with various novelties. Where the novelty of this intelligence will have a positive or negative impact and provide challenges and opportunities in accounting for both academics, practitioners, and policymakers.

The rapid development of technology and increasingly complex global challenges have a significant impact on the mindset and behavior of today's youth. Pondok pesantren, as a traditional Islamic educational institution, plays a crucial role in shaping the character of young people, fostering good morals, discipline, and responsibility. This study aims to explore the role of pondok pesantren in character building among youth in the modern era. The research adopts a qualitative approach, using data collection techniques such as in-depth interviews, observations, and document analysis with pesantren leaders, teachers, and students. The findings indicate that pondok pesantren play a vital role in shaping students' character through religious education, the application of daily routines that instill discipline, and social activities that promote a sense of responsibility. Pondok pesantren also adapt to modern times by incorporating technology into the learning process while maintaining traditional values. In conclusion, pondok pesantren are effective in shaping a generation of youth who are not only intellectually capable but also possess strong character, discipline, and high moral standards.

Learning the concepts of Greatest Common Factor (GCF) and Least Common Multiple (LCM) at the elementary school level faces significant challenges due to their abstract and complex nature. This study aims to develop and evaluate the effectiveness of innovative learning strategies using the congklak game in enhancing students' understanding of GCF and LCM concepts. The research employed a Research and Development (R&D) methodology with the ADDIE model, involving 14 fifth-grade students from SDS Nahdlatul Ulama Medan as research subjects. The congklak game was developed as an interactive learning tool that integrates traditional game elements with mathematical concepts. Implementation was conducted through structured phases including needs analysis, media design, prototype development, learning implementation, and outcome evaluation. Research findings demonstrate significant improvements in students' conceptual understanding and learning outcomes. The use of congklak media successfully created contextual learning experiences that enabled students to visualize abstract GCF and LCM concepts through manipulation of congklak seeds. This strategy also increased active student engagement, promoted collaborative learning, and created an enjoyable learning atmosphere. Data analysis showed improved average student scores and higher learning mastery rates compared to conventional teaching methods. This study provides practical contributions to the development of mathematics teaching strategies at the elementary school level, particularly in teaching GCF and LCM concepts. The research findings recommend the use of congklak media as an effective alternative for enhancing the quality of meaningful mathematics learning oriented toward conceptual understanding.

This study applies a qualitative research method with an intersectionality approach to analyze Mark Twain's The Adventures of Huckleberry Finn, which explores issues related to race, gender, and class in the context of post-civil war America. The main focus of this research is how racial, gender, and class identities interact with each other in shaping the experiences of the characters, specifically Huck, a white boy from the lower class, and Jim, an escaped African-American slave. Through the analysis of their cross-racial relationship, this study highlights the complex power dynamics, where Jim is trapped in a racial and class hierarchy, while Huck struggles against social pressure from female authority figures representing patriarchy. The findings of this study suggest that character identities are shaped by the intersection of multiple factors, providing a deeper understanding of the challenges faced in maintaining or resisting oppressive systems of power. The Adventures of Huckleberry Finn, a classic novel by Mark Twain, is a clear example of how literary works that criticize racial injustice can be misinterpreted and censored. Twain presents a scathing satire of American society, exposing its hypocrisy and failure to realize the promised values of equality. As such, the deep meanings contained within are buried under layers of superficial and biased interpretations.

This research aims to analyze the figure of speech of Figurecara (hyperbola) contained in a poem of Karya Sapardi Djoko Damono. This research method used a descriptive method. Judging from the secondary data source of this problem formulation is sourced from internet sites besides that, also the supporting source or complete in the discussion of this issue from the literature study research. The data used in this study was that the short story by Eka Kurniawan, a data analysis text used the reading methods. The results showed that we found many of Figure of speech (Figure of hyperbola) in every stanzas we might find when reading the poem.

PT. Media XYZ is experiencing a high turnover rate of journalists due to a less objective selection process. The assessment carried out by HRD is currently still subjective and inaccurate. This has an impact on the company's performance and the quality of the news produced. Therefore, a decision-making model is needed that can be used as a guideline by HRD in order to overcome the mismatch between journalist qualifications and job requirements by implementing the Profile Matching method in the journalist selection process. This method will help companies select prospective employees who best match the required competency profile. By matching the competency profile of prospective employees with the competency profile of the position, it is expected to improve the quality of selection decisions, reduce the level of errors in recruitment, and improve company performance.

Kendari City''s micro-enterprises struggle with limited capital and low product innovation, with 60% facing difficulties accessing capital. This study aims to examine the relationship between business capital and micro-enterprises'' performance, with product innovation strengthening this relationship. Policy support is crucial for improving competitiveness and sustainability. This study investigates the effect of business capital on business performance in micro enterprises in Kendari City, focusing on product innovation as a moderating variable. Data was collected from 50 respondents using the Slovin formula and Structural Equation Modeling (SEM) method. The study validated and tested the data for reliability and validity, providing an overview of the relationship between business capital and performance. Business capital significantly influences business performance, product innovation, and overall performance. Its Path Coefficient is 0.011, with a T-Statistic value of 9.875, above the threshold of Z ? 0.05. Product innovation also positively influences business performance, with a Path Coefficient of 0.004 and a T-Statistic value of 2.855. Business capital''s influence on product innovation is fairly large, exceeding the threshold. Business capital significantly impacts the performance of Micro, Small, and Medium Enterprises (MSMEs) in Kendari City, enhancing product innovation, competitiveness, and market competitiveness. A synergistic strategy utilizing sufficient capital fosters innovative capabilities, resulting in improved performance.