This study aims to analyze the influence of the lifestyle of credit relationship managers (RMs) and the potential for fraud on the occurrence of non-performing loans in the banking sector. Relationship managers are the spearheads of credit distribution, interacting directly with customers, so their behavior, lifestyle, and integrity have a significant impact on the quality of a bank's credit portfolio. This study uses a qualitative descriptive method with a systematic literature review approach, reviewing various recent studies related to bank employee lifestyles, factors driving fraud, and their correlation with non-performing loans. The results indicate that a consumptive lifestyle disproportionate to income can increase the risk of fraudulent behavior, such as manipulation of credit analysis or collusion with customers, which ultimately results in an increase in non-performing loans. Furthermore, weak internal control systems, pressure to achieve credit targets, and moral hazard exacerbate this risk. A lifestyle that prioritizes social symbols and self-image can also encourage employees to engage in deviant behavior to maintain this lifestyle. Several studies have shown that RMs trapped in a hedonistic lifestyle are more vulnerable to conflicts of interest and violations of professional ethics. Meanwhile, the potential for fraud in banking practices is also influenced by employees' weak personal financial literacy, as well as limited training in risk management and ongoing work ethics. In an organizational context, a work culture oriented toward achieving targets without regard for the quality of credit analysis has the potential to create a work climate that is permissive of irregularities. This study recommends strengthening a culture of integrity through the establishment of a firm code of ethics, technology-based supervision (such as an AI-based fraud detection system), and regular training on a healthy financial lifestyle and risk management for RMs.

This research is entitled "Simulation of Cropping Patterns (Agroforestry with Horticulture) to Increase Land Productivity with Permaculture System", which aims to develop an effective simulation method for designing cropping patterns in increasing permaculture land productivity and providing simulation results and their practical application in land design. This research was conducted from March to July 2024, located at Jalan Magelang Km 5.6, Kutu Tegal, Sinduadi, Mlati, Sleman, Special Region of Yogyakarta 55284. The simulation of cropping patterns was carried out using the SketchUp computational model and Andrew Marsh Simulation, and was evaluated based on aspects of the utilization of sunlight and plant growing space. Through this simulation method, the optimal combination of plants in the permaculture system was found. The simulation results were then analyzed and evaluated in the field to assess their success in increasing land productivity. Each cropping pattern shows unique characteristics in utilizing sunlight, growing space, and soil nutrients optimally, thus supporting more sustainable and productive land management.

In today's digital era, technology plays a crucial role in supporting innovative, interactive, and engaging learning processes. Education is no longer limited to the use of conventional textbooks and whiteboards, but has been transformed through the integration of various digital media. In this context, digital literacy has become a key competency that students must possess. Digital literacy encompasses not only the ability to access and understand information from various digital sources but also involves critical thinking and collaborative skills, as well as the wise, ethical, and responsible use of technology. Studies show that the appropriate and targeted use of digital media can increase students' interest in reading materials and other learning activities. Interactive and visually appealing digital media can stimulate students' curiosity, enrich the learning experience, and increase their motivation. Furthermore, the use of digital technology also provides opportunities to develop creativity, communication skills, and problem-solving skills. Technology-based learning enables more effective learning differentiation, allowing students to learn at their own pace and learning style. This is highly relevant in the context of 21st-century education, which demands information literacy, technology literacy, and media literacy. As learning facilitators, teachers are required not only to be proficient in using technology but also to design learning that integrates curriculum content with available digital potential. Therefore, optimal use of digital technology can be a strategic solution in creating a generation that is digitally literate, creative, innovative, and able to adapt to increasingly dynamic and complex developments. To achieve this goal, collaboration between schools, the government, and parents is essential in providing adequate access to and training in sustainable educational technology.

This article is a literature review that systematically examines leadership strategies and managerial innovation applied in type C hospitals, with the aim of identifying effective approaches in improving the quality of health services. Type C hospitals as medium-level health facilities have an important role in the referral service system, but often face challenges in the management and provision of quality services. Therefore, strengthening leadership and innovation aspects is crucial to answer the need for sustainable service reform. This study uses a systematic literature review method by analyzing national and international scientific publications published in the 2020–2025 time frame. The focus of the study was directed to the themes of transformational leadership, managerial innovation, and service quality of type C hospitals. The results of the study show that transformational leadership has a strategic role in shaping an innovative and collaborative organizational culture. This leadership style encourages changes in organizational behavior, increased motivation of health workers, and openness to digital transformation. Managerial innovations, especially in the form of digitizing services and strengthening health information systems, have been proven to improve operational efficiency, medical data accuracy, and patient satisfaction. The synergy between visionary leadership and planned managerial innovation creates an adaptive and quality-oriented healthcare ecosystem. However, the implementation of this strategy still faces obstacles in the form of resistance to change, limited resources, and low digital literacy among health workers. Therefore, managerial commitment, human resource capacity development, and consistent policy support are needed to ensure the sustainability of healthcare transformation in type C hospitals.

This study aims to examine and understand the extent to which Promosi Penjualan, Kualitas Layanan, and Pengalaman Pelanggan influence Consumer Loyalty among GoFood service users, particularly among students of the Entrepreneurship Study Program at Medan State University, intakes of 2021 to 2024. The method used in this study is a quantitative approach with an associative research type. The research sample consisted of 120 respondents selected through a purposive sampling technique. Data collection was carried out using a Likert-scale questionnaire. The results of the study indicate that Promosi Penjualan has a positive and significant influence on Consumer Loyalty. Similarly, Kualitas Layanan and Pengalaman Pelanggan also have a positive and significant influence on Consumer Loyalty. Together, these three variables are proven to have a significant influence on increasing Consumer Loyalty to GoFood services.

This study aims to analyze the extent of the influence of the provision of discount vouchers and the ease of use of the application on purchase decisions through the GrabFood service among students of the Management Study Program, Faculty of Economics, State University of Medan. In today's digital era, app-based food delivery services are increasingly in demand due to the ease of access, convenience, and various promotions offered. GrabFood as one of the leading online food service providers in Indonesia utilizes marketing strategies in the form of providing discount vouchers and improving user experience to attract consumer interest. The approach used in this study is a quantitative approach with purposive sampling techniques to determine samples that are relevant to the research objectives. The population in this study is GrabFood application users, with a total of 100 students. Data were collected through questionnaires and processed using SPSS software version 26 to analyze the relationship between independent and bound variables. The results of the analysis show that the discount voucher variable has a positive and significant impact on purchase decisions. Students tend to take advantage of discounts as the main consideration before ordering food. The same applies to the variable of ease of use of the application which also has a positive and significant effect. The user-friendly interface features of the GrabFood application, transaction speed, and practical payment system are important factors in attracting buyers. In addition, simultaneously these two variables have been proven to influence purchasing decisions positively and significantly. This research is expected to provide input for GrabFood management to continue to optimize promotions and application features to further increase consumer satisfaction and loyalty among students.

This study aims to describe the role of school management in developing local culture-based education. Local culture-based education is a learning approach that integrates local cultural values as a contextual, relevant, and meaningful learning resource for students. This study used a qualitative approach with a case study method in an elementary school that has successfully implemented local culture comprehensively in various aspects of learning activities. Data were collected through in-depth interviews, observations, and documentation studies. The results show that school management plays a strategic role in formulating policies, supporting culture-based learning programs, and establishing partnerships with the community for cultural preservation. The principal, teachers, and education staff actively integrate local cultural elements into the curriculum, extracurricular activities, and the learning environment. Despite facing challenges such as limited resources and lack of training for educators, this school is able to demonstrate a strong and consistent commitment to making local culture the foundation for character and identity formation for students. This study confirms that collaboration between stakeholders is key to success in realizing education rooted in local wisdom. By involving parents and the community, schools can create a more inclusive and supportive learning environment. These findings demonstrate that community involvement in the educational process not only enriches students' learning experiences but also strengthens their sense of belonging to local culture. This research significantly contributes to the development of educational models that focus not only on academic aspects but also on the development of student character and identity rooted in local cultural values. Through this approach, it is hoped that students will grow into individuals who are not only academically intelligent but also have an awareness and appreciation for their own culture.

The study of eschatology and logic in Islam represents a significant and intellectually rich area within the broader discourse of ?Aqidah (Islamic creed) and Islamic philosophy. Eschatology, derived from the Greek word eschatos meaning "last," concerns matters of the afterlife, including death, the apocalypse (al-S??ah), resurrection (al-Ba?th), judgment (al-?is?b), heaven (Jannah), and hell (Jahannam). These concepts are elaborated extensively in both the Qur'an and the prophetic traditions (?ad?th). Meanwhile, logic in Islam is not merely a philosophical exercise but serves as an epistemological framework for interpreting divine revelation and deducing legal and theological principles. Islamic logic (al-man?iq) is rooted in both Greek logical tradition—particularly Aristotelian logic—as well as unique Islamic methodologies that integrate rationality with scriptural fidelity. This research aims to analyze selected verses and prophetic traditions related to eschatology and logic, with the objective of understanding not only their linguistic and theological meanings but also their practical implications for human belief systems and ethical behavior. The study employs an interpretive and analytical method (manhaj ta?l?l? wa tafs?r?), focusing on exegesis (tafs?r) of Qur’anic verses QS. Al-A'raf: 187–188 and QS. Al-An'am: 30, as well as relevant ?ad?ths concerning eschatological events and rational thought. These verses were selected due to their direct references to the knowledge of the Hour (?ilm al-s??ah) and the human tendency to demand evidence while rejecting spiritual truth. The findings indicate that Islamic eschatology is framed not around speculative prediction but rather spiritual and moral readiness. The Qur'an clearly asserts that knowledge of the exact time of the Day of Judgment belongs solely to Allah (QS. Al-A’raf: 187), highlighting the limitations of human knowledge and emphasizing submission to divine wisdom.

This study aims to analyze the implementation of the Think Pair Share (TPS) learning model in improving problem solving skills in fractional materials for grade V students at SD Negeri 3 Mantingan. The background of this research is the low ability of students to solve fractional problems, mainly due to procedural misconceptions and lack of opportunities to discuss and construct understanding collaboratively. The method used is the Kemmis and McTaggart model Class Action Research (PTK), which consists of four stages: planning, action, observation, and reflection. The research was conducted in one cycle, involving 28 students as subjects. Data collection was carried out through evaluation tests (pre-cycle and cycle I) as well as observation of student learning activities. The results of the study showed a significant increase in problem solving ability. The average score of students increased from 36.43 in the pre-cycle to 93.21 in the first cycle, with a t-test of 25.18 and a p< value of 0.001, indicating a high significance. Learning completeness increased from 0% to 100%. The TPS model has been proven to be able to overcome misconceptions, especially through the peer scaffolding process in the "pair" stage, which helps students in identifying variables and choosing the right calculation operations. In addition, there was an increase in students' collaborative skills in terms of expressing opinions and asking questions, with an achievement range between 68% to 75%. The main obstacles faced in the implementation of polling stations are the management of discussion time and class noise. However, this was successfully overcome through the use of timers and Student Worksheets (LKPD) equipped with scaffolding questions. It can be concluded that the TPS model is an innovative and effective approach in improving mathematical problem solving skills contextually, in line with the principles of the Independent Curriculum.

Anemia is a common health problem among adolescent girls, especially in developing countries like Indonesia. This condition is generally caused by insufficient iron intake, an unbalanced diet, and increased iron requirements during growth. Anemia not only impacts physical health but also affects concentration, productivity, and quality of life. Therefore, interventions based on nutrition education and the utilization of local food sources are crucial in sustainable anemia prevention efforts. One potential complementary therapy alternative is the consumption of herbal drinks based on moringa leaves (Moringa oleifera). Moringa leaves are known to be rich in iron, vitamin A, and antioxidants that play a role in red blood cell formation. This community service activity aims to increase the knowledge and skills of adolescent girls in utilizing moringa leaves as a natural source of iron. The target group is grade 10 and 11 female students at SMA Sejahtera Palembang, which was held in June 2025. The activity methods included a nutrition lecture on anemia and the importance of iron, an interactive discussion on the benefits of moringa leaves, and hands-on practice in making herbal moringa drinks (such as moringa leaf tea and moringa juice). The material was delivered using a communicative and participatory approach to actively engage participants. The results of the activity showed an increase in participants' understanding of the causes of anemia, the benefits of moringa leaves, and their willingness to consume herbal drinks as a preventative measure. Most participants also expressed interest in trying to make their own moringa herbal drink at home. This activity is expected to become part of school-based promotional and preventive efforts to address anemia in adolescent girls.