Abstract:This study aims to determine and analyze the influence of the Theory of Planned Behavior and Financial Literacy on the Intensity of E-Wallet Usage among university students. This research employs a quantitative method. Data…
ata were collected through the distribution of questionnaires to 88 students of the Faculty of Economics and Business at Gorontalo State University and analyzed using SPSS version 25 by conducting validity and reliability tests, classical assumption tests, multiple linear regression analysis, t-test, and F-test. The results show that: (1) the Theory of Planned Behavior has a positive and significant effect on the Intensity of E-Wallet Usage, (2) Financial Literacy has a positive and significant effect on the Intensity of E-Wallet Usage, and (3) both variables simultaneously exert a significant influence. These findings indicate that behavior in using e-wallets is influenced by psychological elements and financial literacy skills Both factors play a crucial role in shaping smart, effective, and responsible digital financial behavior in today's era.
Abstract:This study aims to analyze the effects of liquidity, leverage, and BOPO on the profitability of energy sector companies listed on the Indonesia Stock Exchange (IDX) during the 2022–2024 period. Profitability is proxied by…
by Return on Assets (ROA), liquidity by the Current Ratio (CR), leverage by the Debt to Equity Ratio (DER), and BOPO is measured by the ratio of Operating Expenses to Operating Income. This research employs a quantitative approach with an associative research design. The data used are secondary data in the form of companies’ annual financial statements obtained from the official IDX website, with the sampling technique using purposive sampling based on predetermined criteria. Data analysis was conducted using multiple linear regression with the assistance of statistical software. The results show that liquidity does not always have a positive effect on profitability, leverage tends to have a negative effect on profitability, and BOPO has a negative effect on profitability. Simultaneously, liquidity, leverage, and BOPO significantly affect the profitability of energy sector companies during the 2022–2024 period. These findings indicate that optimal liquidity management, proportional use of debt, and operational cost efficiency are key factors in improving the profitability performance of energy sector companies.
Abstract:This study was conducted to analyse profitability ratios as a measure of financial performance at PT Malindo Feedmill Tbk (MAIN) for the period 2021-2024. The animal feed industry faces challenges of high production costs,…
s, ranging from 85-90%, as well as dependence on unstable imported raw materials. The research method used is quantitative descriptive with purposive sampling techniques on the company's consolidated financial statements. The indicators used to analyse the data include Gross Profit Margin (GPM), Net Profit Margin (NPM), Return on Assets (ROA), and Return on Equity (ROE). In 2022, net profit fell sharply by 57% to RP 27 billion due to production cost pressures. However, in 2024, the company managed to recover with a net profit of RP 489.8 billion. This unique finding shows an increase in Return on Assets (ROA) of 9.10% in 2024 despite a decline in assets. This shows that management has succeeded in eliminating unproductive assets and optimising production efficiency. The effectiveness of cost transformation and the company's operational resilience to market fluctuations are reflected in a Return on Equity (ROE) of 18.61% at the end of the period.
Abstract:The beauty service industry has experienced rapid growth in recent years, particularly in specialized services such as nail art. In a highly competitive market, service quality and consumer satisfaction are considered critical…
itical factors influencing purchase decisions. This study aims to analyze the influence of service quality and consumer satisfaction on consumer purchase decisions at Glosse Nail Studio.
This research employs a quantitative approach using a survey method. Data were collected from customers of Glosse Nail Studio through structured questionnaires. Service quality is measured using dimensions adapted from SERVQUAL, including tangibles, reliability, responsiveness, assurance, and empathy. Consumer satisfaction is measured based on customers’ overall evaluation of service performance, while purchase decision is assessed through indicators reflecting consumer intention and actual buying behavior. Data analysis was conducted using multiple linear regression with the assistance of SPSS software, including validity and reliability tests, classical assumption tests, t-tests, F-tests, and coefficient of determination (R²).
The results indicate that service quality has a positive and significant effect on consumer purchase decisions. Furthermore, consumer satisfaction also significantly influences purchase decisions. Simultaneously, service quality and consumer satisfaction significantly affect purchase decisions, indicating that higher perceived service performance leads to greater customer satisfaction and ultimately strengthens purchasing decisions.
Abstract:This study aims to analyze the implementation of the Problem-Based Learning (PBL) method in Islamic Religious Education and its contribution to strengthening students' critical thinking skills at MA Negeri Simalungun. This…
is study uses a qualitative approach with a descriptive design. Data were obtained through classroom observation, interviews with teachers and students, and documentation of learning tools and evaluation results. Data analysis was conducted interactively through the stages of data reduction, data presentation, and conclusion drawing, with data validity maintained through source and technique triangulation. The results showed that the application of PBL in Islamic Religious Education learning can be carried out systematically through the stages of problem orientation, group discussion, investigation, presentation of results, and reflection. The implementation of PBL encourages active student involvement in the learning process and has a positive impact on strengthening critical thinking skills, as evidenced by an increase in students' ability to identify problems, analyze information, evaluate arguments, and draw logical and contextual conclusions based on Islamic values. This study concludes that the Problem-Based Learning method is an effective learning approach to improve the quality of Islamic Religious Education learning and develop students' critical thinking skills in Madrasah Aliyah. Therefore, PBL is recommended as an alternative PAI learning strategy that is relevant to the demands of 21st-century education.
Abstract:From an Islamic perspective, marriage is not merely a civil matter, nor merely a family or cultural matter, but also relates to religious issues and events, as it is conducted to fulfill the provisions of Allah SWT and the…
he Prophet Muhammad (peace be upon him). A siri marriage is a marriage conducted without official state registration, thus having significant legal implications for women and children. While religiously, this marriage is considered valid, from a state legal perspective, unregistered marriages result in women losing their rights as wives, such as the right to maintenance, inheritance rights, and legal protection within the household. Furthermore, women in siri marriages lack a strong legal basis to file for divorce or assert their rights in court. Meanwhile, children born from siri marriages have only a civil relationship with their mothers, thus facing obstacles in obtaining birth certificates listing the father's name, inheritance rights, and rights to care and education from the father. Siri marriages are also often used as a way to freely practice polygamy without following proper procedures.
Abstract:Organosol soil has a very high content, but has a low soil acidity (pH) (acidic). As well as the occurrence of very slow decomposition of organic matter. The treatment with Ananas comosus (L.) Merr. extract, which contains…
ns bioactive compounds such as bromelain enzymes, organic acids, and simple sugars, can accelerate the decomposition of organic matter and support the activity of soil microorganisms. The Local Microorganisms (MoL) applied, such as Solanum lycopersicum (L.) and Saccharum officinarum Linn., contain various functional microbes such as Lactobacillus sp., Saccharomyces sp., and Azotobacter sp., which play a role in nitrogen fixation, phosphate solubilisation, and organic matter decomposition. Overall, the results of research and observations conducted on Organosol soil media treated with Ananas comosus (L.) Merr. extract with the addition of Local Microorganisms (MoL) Solanum lycopersicum (L.) and Saccharum officinarum Linn. has been proven to effectively improve the chemical properties and fertility of Organosol soil through its role in increasing microbial activity and accelerating the decomposition of organic matter. This indicates that innovations in the application of fruit and the role of local microorganisms have the potential to be developed as environmentally friendly technologies for sustainable soil management.
Abstract:Nurses’ caring behavior is a fundamental component of nursing services that significantly influences inpatient satisfaction. Patient satisfaction is a key indicator of healthcare service quality in hospitals. This study…
y aimed to determine the relationship between nurses’ caring behavior and inpatient satisfaction at RS TK. III Dr. Reksodiwiryo Padang in 2025. This study employed a quantitative analytical design with a cross-sectional approach. The population consisted of all inpatients at RS TK. III Dr. Reksodiwiryo Padang, with a total sample of 89 respondents selected using accidental sampling. Data were collected using validated questionnaires measuring nurses’ caring behavior and patient satisfaction. Data analysis was conducted using univariate and bivariate analyses with the Chi-Square test. The results showed that 53 respondents (59.6%) perceived nurses’ caring behavior as caring, and 69 respondents (77.5%) reported being satisfied with nursing services. The Chi-Square test revealed a p-value of 0.000 (p < 0.05), indicating a significant relationship between nurses’ caring behavior and inpatient satisfaction. In conclusion, nurses’ caring behavior has a significant association with inpatient satisfaction. Hospitals are encouraged to strengthen caring behaviors through continuous training and professional development to improve nursing service quality and patient satisfaction.
Abstract:This study aims to evaluate the implementation of Islamic Religious Education (Pendidikan Agama Islam/PAI) learning in strengthening students’ religious moderation at SMP Islam Terpadu Bangkinang. Religious moderation is…
is conceptualized as a religious attitude that emphasizes balance, tolerance, justice, and respect for diversity, which are essential values in maintaining social harmony within pluralistic societies. In the Indonesian educational context, Islamic Religious Education plays a strategic role not only in developing students’ religious knowledge but also in shaping moderate religious attitudes that prevent intolerance and extremism. Therefore, systematic evaluation of PAI learning is crucial to ensure that religious moderation values are effectively internalized by students.
This study employs a qualitative approach with an evaluative research design to comprehensively examine how religious moderation values are integrated into PAI learning. The evaluation focuses on three main aspects: learning planning, learning implementation, and learning evaluation. Data were collected through classroom observations, in-depth interviews with Islamic Religious Education teachers and students, and documentation analysis of learning instruments such as lesson plans, syllabi, and assessment tools. These data collection techniques were employed to obtain an in-depth understanding of instructional practices, teacher–student interactions, and assessment strategies related to the cultivation of religious moderation values. Data analysis was conducted using an interactive model involving data reduction, data display, and conclusion drawing to ensure systematic and credible findings.
The findings reveal that PAI learning at SMP Islam Terpadu Bangkinang has integrated religious moderation values into learning objectives and instructional planning. Teachers explicitly formulate learning goals that emphasize tolerance, balance, and mutual respect, while learning materials are contextualized to students’ social realities. During the learning implementation stage, teachers apply dialogical and participatory teaching methods, such as discussions and case-based learning, to encourage students to critically reflect on religious issues and social diversity. These approaches provide students with opportunities to understand differing perspectives and develop moderate religious attitudes in a reflective and respectful manner.
However, the study also identifies several challenges in the implementation of religious moderation-based learning. The use of contextual and innovative instructional methods remains limited, and learning activities tend to rely on conventional approaches. Moreover, the evaluation of religious moderation attitudes has not yet been conducted systematically. Assessment instruments primarily focus on cognitive achievement, while affective and attitudinal dimensions—such as tolerance, openness, and balanced religious behavior—are not comprehensively measured using structured indicators or rubrics. This limitation affects the accuracy of evaluating students’ overall development of religious moderation.
This study concludes that continuous and systematic evaluation of Islamic Religious Education learning is essential to enhance the effectiveness of strengthening religious moderation among students. The development of more comprehensive, contextual, and sustainable assessment instruments is necessary to holistically measure students’ cognitive, affective, and behavioral dimensions. In addition, the adoption of more dynamic and participatory instructional strategies is recommended to support deeper internalization of religious moderation values. The findings of this study contribute to the discourse on Islamic education and religious moderation by providing empirical insights into evaluative practices at the secondary school level and offering practical implications for improving PAI learning in pluralistic educational settings.
Abstract:Islamic Religious Education (IRE) in the modern era is often trapped in an approach that is overly textual, dogmatic, and focused solely on legal aspects (fiqh) and rituals. This results in the marginalisation of the metaphysical…
aphysical dimensions of Islam—such as the concept of divinity (uluhiyah), the nature of humanity, the unseen world, the purpose of creation, and the spiritual relationship with Allah—which are in fact the foundation of the meaning and intrinsic motivation of all religious teachings. Without the internalisation of these metaphysical values, religious education risks becoming formalistic and unable to respond to existential challenges and spiritual crises amid the onslaught of materialism and secularisation in the modern world. This article aims to analyse the urgency and strategies for internalising metaphysical values within the framework of contemporary Islamic Religious Education, as well as to formulate an approach model relevant to the modern era. This study uses a qualitative method with a philosophical-analytical library research approach. Data were collected from primary sources such as the Qur'an, Hadith, and the works of classical and contemporary Islamic thinkers on education and metaphysics. The analysis was conducted hermeneutically and deductively to develop a conceptual framework. The analysis shows that the internalisation of metaphysical values in PAI is crucial for: (1) building a holistic Islamic worldview, (2) developing a deep spiritual awareness (ihsan), (3) providing a solid moral foundation that transcends positive law, and (4) creating mental-spiritual resilience in facing modern complexities. To achieve this, it is necessary to reorient the PAI curriculum to integrate metaphysical elements through an interdisciplinary approach (linking it to science, psychology, and philosophy), reflective and contemplative learning methods (such as tadabbur and tafakkur), and the use of digital technology as a medium for creative spiritual exploration.