Peer to peer lending or online loans are online money lending services commonly known as financial technology, which currently generally take the form of applications. Online loans really help people who need fast and easy funds for both consumptive and productive purposes. This service is increasingly mushrooming in Indonesia due to interest from the community itself, resulting in the emergence of illegal online loan apllications which have a detrimental impact on consumers. The normative juridical method used in this research is conducting a literature study on secondary data. The research results show legal protection and the level of effectiveness of supervision for consumers who are harmed by illegal online loan applications.
 

The purpose of this analysis is to find out how the company’s financial performance is based on financial ratios. This is important to measure and evaluate, so that you can get a comprehensive picture of your financial position. This research method uses quantitative descriptive methods with data documentation. The financial report analysis method involves several financial ratios, namely liquidity, solvency and profitability ratios. The results of the discussion showed that the financial performance of PT. Gudang Garam Tbk shows fluctuating ratios every year, this is due to increases or decreases in financial report items, for example sales, inventory, profits and others.

This study aims to explore the application of GeoGebra software in improving students' mathematical communication skills. GeoGebra, as a visualization and interactive tool, is considered to be able to help students understand mathematical concepts more deeply and effectively. This literature study collects and analyzes various studies that have been conducted on the use of GeoGebra at various levels of education, from elementary school to college. The results of the study show that the use of GeoGebra can improve students' mathematical communication skills, both in written and oral form. Students who use GeoGebra tend to have an easier time describing and explaining mathematical concepts, as well as being more actively involved in discussions and problem-solving. In addition, GeoGebra also helps to increase students' motivation to learn and provide a more enjoyable and meaningful learning experience. The conclusion of this study shows that GeoGebra is an effective tool to be used in mathematics learning to improve students' mathematical communication skills.

Management accounting plays a key role in improving the financial performance of retail companies in Indonesia. By using accurate and relevant financial data, management accounting helps management make effective strategic decisions. In the context of retail companies, management accounting helps in optimizing operational costs, planning budgets, and measuring organizational performance. In this research, we will explore the role of management accounting in improving the financial performance of retail companies in Indonesia.
 

The problem of this research is that low mathematics learning outcomes are caused by students' low creative thinking abilities. This research aims to determine the increase in students' creative thinking abilities regarding data presentation at SDN Sukajaya through a problem based learning model, with a class V sample. The method used in this research is a quantitative experimental method with the type of Pre-Experimental Designs. The data collection technique uses observation, tests and documentation. The data analysis technique uses N-Gain. Based on the data analysis, the conclusion is obtained: there is an increase in the creative thinking abilities of fifth grade students at Sukajaya State Elementary School after using the problem based learning model in data presentation material, because seen from the results of the N-Gain test the value shows a value of 0.8, which is included in the high criteria. Calculations in this study used SPSS 26.

The shipping industry faces challenges in reducing environmental impact and increasing operational efficiency. Among them are the expansion tanks on ship engines which play an important role in maintaining the pressure and water quality of the engine cooling system, which is still run manually on some ships. This can result in the risk of engine damage due to overheating or unstable pressure. Manual water filling that requires crew supervision can cause operational instability. This research designed a prototype of an automatic water filling system for expansion tanks, using microcontroller-based automation technology and an Internet of things system to make monitoring easier. This system aims to increase efficiency and reduce the risk of engine damage, thereby supporting the sustainability of ship operations in the future. In the trials that have been carried out, this tool is able to operate the expansion tank filling automatically and efficiently. The distance sensor used has high accuracy with a largest error of 1.6%, and an average error of 0.01%. Integration with the Internet of Things system can run well and reliably with 100% success and latency of 0.5 – 1 second. The system's overall success rate is 80%. So the system can be used in real working conditions

One of the economic forces that has been supporting the Indonesian economy and regional economic strength is the presence of micro, small and medium businesses (MSMEs). Micro, Small and Medium Enterprises (MSMEs) play an important role in Indonesia's development and economy. However, MSMEs have limited resources and their small business scale encourages MSME entrepreneurs to look for innovative and creative solutions. This is a profitable opportunity to improve and develop MSMEs that are more innovative and creative. One form that MSME players can take is by implementing simple transaction recording and utilizing digitalization. The aim of this service activity is that MSME entrepreneurs can apply simple accounting in financial management, be ethical in the use of social and digital media, open up insights to market their business online and strengthen themselves as entrepreneurs so that MSMEs grow and develop. This service method involves providing outreach to the Mijen Village community. This activity was carried out with high community enthusiasm and support from Regional Government policies and figures from Mijen Village, Mijen District, Semarang City. This community service activity can increase insight and skills, as well as encourage the community to improve MSMEs.

The conscious or unconscious entry of mathematics into various aspects of life is certainly interesting to study such as from a cultural point of view. What can bridge the gap between culture and mathematics is ethnomathematics. Ethnomathematics is a study of the relationship between mathematics and culture. The study of mathematics in culture needs to be developed further to be able to provide an overview to the public about the role of mathematics in culture. one of the tribes that is rich in culture is Toraja, for example in Toraja carving which is a cultural heritage that is passed down from generation to generation until now there is the concept of geometry. Therefore, the purpose of this research is how the concept of geometry in Toraja carving using qualitative research methods ethnographic approach.

The research focuses on the development and implementation of the EcoViber application to address plastic waste management in school environments, specifically at SDN Perdopo 02. The study aims to tackle the issue of plastic waste accumulation through technological solutions, enhancing environmental awareness and operational efficiency. The application employs the waterfall method for development and features data collection, visualization, and educational tools to promote transparency and accountability. Comprehensive observations and interviews with seven teachers revealed significant improvements in waste management, with approximately 54.95 kg of plastic waste collected from January to April 2024. The findings highlight the practical implications of EcoViber in fostering a culture of environmental stewardship among school stakeholders. Despite its success, the study acknowledges potential biases in data reporting and the limited generalizability of results due to the focus on a single school. Future research should explore diverse settings and refine methodologies to enhance the scalability and long-term impact of EcoViber. Overall, the study demonstrates EcoViber's value as an innovative and effective solution for sustainable plastic waste management in educational settings.

This study examines the impact of advertising ethics on the effectiveness of public service advertisements. It aims to evaluate how adherence to ethical guidelines influences audience perception, trust, and behavioral responses. The research uses qualitative surveys to provide a comprehensive analysis. Findings indicate a significant positive correlation between ethical advertising practices and the effectiveness of public service campaigns, suggesting that ethical considerations are critical for successful public communication.