This study aims to reveal Financial Behavior and Financial Attitude influence the development of micro, small and medium enterprises in Jambi City. This thesis uses a quantitative approach using multiple regression statistical analysis methods partially and simultaneously with a sample of 60 MSMEs. The results of the study indicate that Financial Behavior has a significant influence on the development of MSMEs in Jambi City. Financial attitude has a significant influence on the development of MSMEs in Jambi City. Financial Behavior and Financial Attitude together or simultaneously have a significant influence on the development of MSMEs in Jambi City. In business development, good knowledge is needed to help MSMEs to be innovative and produce new ideas to develop their businesses and knowledge management can help companies to develop a healthy and positive work culture.
 

This study aims to examine the role of Social Studies (IPS) teachers in implementing Pancasila values in Social Studies learning for eighth-grade students at MTs Negeri 2 Jombang. A qualitative descriptive approach was used, with data collected through observation, interviews, and documentation. The research subjects consisted of Social Studies teachers and eighth-grade students. The results showed that the implementation of Pancasila values was carried out by integrating values such as tolerance, mutual cooperation, and social justice into Social Studies learning and students' daily interactions. Strategies included regular religious activities, moral messaging, and exemplary behavior by teachers. This implementation positively impacted character development, reduced bullying behavior, and increased awareness of diversity and unity. Challenges included students' diverse backgrounds and limited instructional time. These findings indicate that Social Studies teachers play a central role in instilling Pancasila values to shape students into individuals with strong character and a sense of national identity.
 

This study aims to describe the role of local communities in the development of community-based tourism at Danau Kaolin tourist site, identify supporting and inhibiting factors of community involvement, and analyze its impact on tourism sustainability. The research employs a qualitative method with a descriptive phenomenological approach. Data were collected through in-depth interviews, participatory observation, and document studies involving 40 participants including local community members, tourism managers, community leaders, and local government officials. Data analysis was conducted thematically through data reduction, presentation, and conclusion drawing. The findings reveal that local communities play a central role in managing and developing tourism, especially in providing tourism services and environmental conservation. The shift in livelihoods from traditional sectors to tourism services positively impacts the community’s economic and social conditions. However, limited access to training, infrastructure, and minimal participation in decision-making are major obstacles. The novelty of this research lies in its contextual focus on Danau Kaolin as a post-mining tourism destination with unique characteristics, and the use of a phenomenological approach to deeply explore community experiences. The study implies the importance of comprehensive community empowerment and inclusive policy support to enhance the strategic role of local communities in sustainable tourism development.

Kulit terong ungu merupakan salah satu varietas yang berwarna ungu yang mengandung antosianin. Senyawa antosianin berfungsi sebagai antioksidan bagi tubuh yang dapat mencegah stress oksidasi. Kulit terong ungu memiliki potensi sebagai bahan dasar pembuatan minuman olahraga karena kandungan senyawa antosianin. Penelitian ini bertujuan untuk menganalisis karakteristik sensori dan fisikokimia. Penelitian ini menggunakan Rancangan Acak Lengkap dengan dua kali pengulangan. Terdapat 3 formulasi konsentrasi bubuk kulit terong ungu yaitu F1 (22,9 g), F2 (27,9 g), F3 (33,6 g). Minuman disimpan selama 28 hari pada suhu 20C -80C dan dianalisis setiap 7 hari. Parameter yang diamati adalah pH, total padatan terlarut, dan uji sensori (warna, aroma, kekentalan, penampakan fisik). pH dan total padatan terlarut di uji menggunakan Kruskall-Wallis, uji sensori dianalisis dengan teoritis deskriptif. Hasil pengamatan menunjukan tidak ada pengaruh yang signifikan (p > 0,05) antara perbedaan formulasi dengan nilai pH dan total padatan terlarut. Uji sensori menunjukan bahwa perubahan paling nyata terjadi pada aroma. Warna, kekentalan, dan penampakan fisik cenderung stabil.

This study examines the application of Islamic criminal law (fiqih jinayah) principles, specifically in the case of qadzaf—accusation of adultery without valid proof—when conveyed through kinayah (indirect or allusive expressions). The focus is on how legal maxims such as al-?ud?d tudra’ bi al-syubuh?t and al-a?l bar?’at al-dzimmah are employed to assess the legal validity of ambiguous accusations. This research adopts a qualitative approach through library research, analyzing both classical and contemporary Islamic legal texts. The findings reveal that qadzaf in the form of kinayah does not meet the criteria for ?add punishment due to its interpretive uncertainty and lack of clear evidence. Therefore, ta'zir—a discretionary punishment—should be applied instead, based on public interest and judicial discretion. This study is significant in addressing modern social communication dynamics, especially in the digital age, and contributes to a fair, contextual, and cautious implementation of Islamic criminal law.

This paper discusses the concept of demand and supply, both from the perspective of conventional economics and Islamic economics. In conventional economics, the relationship between price and quantity of goods demanded or offered is explained through basic laws that are widely known. Several simple illustrations, such as the case of chili prices and children's clothes, are used to facilitate readers' understanding of the movement of the curve and market equilibrium. Meanwhile, in Islamic economics, the principle of demand and supply still applies, but is framed by sharia values ??that emphasize justice, ethics, and social responsibility. Consumption and production are not solely directed at profit, but also consider aspects of usefulness and sustainability. Thus, Islamic economics offers an approach that is not only rational, but also morally charged.

The aim of this research is to evaluate the influence of macroeconomic factors such as interest rates, inflation and exchange rates on the movement of Bank Rakyat Indonesia (BBRI) share prices in the period 2020 to 2024. The analysis used is a quantitative method taking a multiple linear regression approach. The data used is secondary, obtained from other sources, namely the Indonesian Stock Exchange (BEI) and Bank Indonesia (BI). The analysis was carried out using multiple linear regression using EViews 12 software. The findings from the analysis show that the three independent variables do not have a significant impact on BBRI share price fluctuations, both in simultaneous and partial analysis. From the results of the analysis, it can be concluded that there is a relationship where interest rates and exchange rates have a significant positive influence on stock prices, while inflation shows a negative impact on share prices.

Handwritten digit recognition is one of the key challenges in the field of digital image processing and artificial intelligence, with significant potential in various applications such as automatic form input systems, handwritten data correction, and attendance systems based on handwriting. This study aims to develop a web-based information system capable of automatically recognizing handwritten digits using the K-Nearest Neighbors (KNN) classification method. The system is designed through several main stages, including image preprocessing (conversion to grayscale, thresholding, and image size normalization), feature extraction using the zoning technique, and classification using the KNN algorithm. This research utilizes the MNIST dataset, which contains thousands of handwritten digit images ranging from 0 to 9. The system is developed using the Google Colab platform, supported by Python libraries such as OpenCV, NumPy, and Scikit-learn. Test results show that the system can achieve an accuracy of over 90% at certain K values, indicating that the KNN method is quite effective and efficient in recognizing handwritten digit patterns. This system is expected to be applicable for various digitization needs of handwritten numbers in education, administration, and information technology sectors

Crime generates insecurities, which limit tourism in several ways: reduced tourist destination appeal, increased perceptions of the risk of being victimized as a tourist, harm to destination image, increased transaction costs, and reduced institutional quality. This study employed a panel data approach to investigate the impact of criminal acts on tourist arrivals in 35 Central Javanese districts/cities from 2020 to 2024. Control variables included tourist attractions, accommodation, restaurants, vehicles, and the COVID-19 pandemic. Findings revealed a significant negative relationship between criminal cases and tourist visits, underscoring security's crucial role. Conversely, tourist attractions, accommodation, and restaurants positively affected arrivals. As expected, the COVID-19 pandemic negatively influenced tourism. Notably, the study found no significant impact from the prevalence of violence against children and women or the ratio of vehicles. Comparative analysis (between tourism-based and non-tourism-based regions) shows that crime consistently deters and attractions consistently promote tourism in all areas. Still, accommodation positively impacts tourism-based economies, while restaurants promote tourism in both regions. These results highlight the necessity of enhancing security measures at tourist destinations, fostering the development of sustainable attractions, and ensuring adequate supporting infrastructure to stimulate tourism sector growth in Central Java.

This study aims to analyze the readiness of farmers in Parakan Village to utilize digital platforms for marketing agricultural products. The methods used include interviews, focus group discussions (FGDs), mentoring, and the distribution of questionnaires to 30 members of the Mawar Farmer Group. Findings indicate a shift in farmers' behavior from relying on middlemen to independently marketing their products through social media. However, survey results show low levels of information access, active participation, and understanding of digital innovation. Innovation and digital literacy are key challenges, although some farmers expressed a willingness to learn. Continuous mentoring and collaboration between farmers, academics, and the government are essential to support an inclusive and sustainable digital transformation in the agricultural sector.