Abstract:This study aims to review the mortgage lending process in a bank, focusing on procedures, requirements, and challenges faced by both the bank and customers. The research background is based on the author's internship experience…
erience at the bank, providing an opportunity to gain in-depth insights into the mortgage approval mechanism from a practical perspective. This study employs a qualitative method, utilizing interviews with bank employees involved in the mortgage application process and literature studies related to banking policies. The findings reveal that mortgage approval involves a comprehensive evaluation of the borrower's financial capability, including credit analysis and compliance with banking regulations. Additionally, several challenges were identified, such as the lengthy administrative process and credit risk factors that the bank must consider. The conclusion of this study emphasizes that mortgage lending requires a balance between the bank's interests and customer needs, necessitating innovations in procedures and service optimization to improve process efficiency.
Abstract:Study This to study draft fence sea and ownership of sea areas through ecological interpretation perspective based on interpretation of the Qur'an, with referring to the interpretations of Al-Munir and Al- Maraghi . Approach…
oach interdisciplinary between knowledge ecology and religious studies are applied For evaluate role sharia principles in marine biota conservation endemic in Indonesian waters . Methodology analysis content with thematic coding techniques structured used For processing primary and secondary data collected from 2018 to 2023. Case studies that become focus is implementation draft fence sea in several coastal areas of Indonesia, accompanied by analysis legal aspects of ownership sea based on UNCLOS regulations and laws maritime international . Research results show that the ecological interpretation capable give framework philosophical and normative support effort conservation , at the same time offer recommendation policy strategic use support marine area management in a way sustainable . Implications results study This expected can encourage constructive dialogue between practitioner law , scholars, and researchers ecology in frame optimization management source Power marine .
Abstract:This qualitative research examines the optimization of computer-based information systems by examining the important roles of operating systems, server infrastructure, and programmers. The study aims to understand how these…
ese three components interact and contribute to the improvement of information system performance. Through an in-depth analysis of literature and related theories, this study presents the findings that an efficient operating system can improve security and performance, a reliable server infrastructure supports scalability and availability, and qualified programmers are essential in system development and maintenance. The results of this study show that the synergy between operating systems, server infrastructure, and programmers is a key factor in achieving information system optimization. The resulting recommendations focus on strategies to effectively integrate these three components, with the aim of supporting managerial decisions in the development of better information systems
Abstract:Sales forecasting is a crucial component of operational strategy and inventory management in the culinary industry, particularly for businesses dealing with raw materials that have short shelf lives. The Sate Padang Hapis…
s business faces the challenge of unpredictable monthly fluctuations in consumer demand, which often lead to supply imbalances, overproduction, or lost profit opportunities due to stockouts. This study aims to implement and analyze the accuracy of the Single Moving Average (SMA) quantitative forecasting method in predicting Sate Padang Hapis sales volumes for June 2026. Model performance was evaluated by assessing mathematical accuracy across two time-interval variations: 3-month and 5-month moving averages. Projection error rates were rigorously measured using Mean Absolute Deviation (MAD), Mean Squared Error (MSE), and Mean Absolute Percentage Error (MAPE) parameters. The analysis reveals that the Single Moving Average model with a 5-month interval yields projections closest to actual data, achieving the lowest error rates (MAD: 28.00; MSE: 1,304.00; MAPE: 2.28%). Implementing this forecasting model provides management with an objective basis for decision-making, enabling the effective and efficient optimization of raw material logistics and supply management.
Abstract:This research aims to analyze the strategies implemented by the Merauke Regency Communications and Information Service in developing internet networks to improve public services. This research uses qualitative research methods…
ethods and a descriptive analysis approach. Data collection techniques are observation, interviews, and documentation, with data analysis techniques using data reduction, data presentation, and conclusion. The analysis results found that although there has been progress in developing internet networks, challenges such as limited infrastructure and access speed still need to be overcome. This research recommends that the Communications and Information Service continue to invest in infrastructure, strengthen collaboration with service providers, and improve educational programs for the community. In this way, optimization of public services can be achieved, providing significant benefits for the people of Merauke Regency. The research results show three main strategies implemented: core strategy, customer strategy, and cultural strategy. The core strategy focuses on improving network infrastructure and security, with efforts to expand network coverage in remote areas. The strategy emphasizes customer and assistance service provision. Meanwhile, the cultural strategy seeks to build pleasing cooperation between the Communications and Information Service and the community and increase digital literacy.
Abstract:Massive digital transformation has reshaped patterns of interaction, modes of thinking, and the spiritual construction of the millennial generation, thereby creating serious challenges for the church in nurturing a mature,…
e, authentic, and contextually relevant Christian faith. The abundance of information, instant culture, and growing skepticism toward religious institutions raise a critical research problem concerning how to formulate effective strategies to develop a theologically sound understanding of faith that is also adaptive to digital culture. This study aims to construct a strategic approach that bridges faith tradition and digital dynamics through a qualitative-reflective method based on recent theological literature and critical observation of digital ministry practices. The analysis identifies four primary strategies: contextual proclamation of faith, optimization of digital platforms as spaces for testimony and education, formation of supportive online communities, and strengthening digital and theological literacy among church leaders. The findings indicate that millennials possess a deep spiritual longing but seek integrity, open dialogue, and practical relevance of faith in daily life. The study concludes that a paradigmatic transformation of church ministry is necessary by positioning digital space as a participatory and dialogical locus of spiritual formation, while the novelty of this research lies in the systematic integration of theological reflection and contextual digital pastoral strategies as an adaptive ministry model for the millennial generation in the era of technological disruption.
Abstract:This research aimed to identify the implementation, optimization, empowerment of technology, to evaluation of the implementation of the integration of Christian Religious Education Learning (PAK) and the Pancasila Student…
t Profile Strengthening Project (P5) in the formation of student character at SMK Kesehatan Reformasi Pontianak. The method in this study is qualitative with a descriptive approach. The results of the study indicate that the implementation of the integration of PAK and P5 that meets students' needs in fulfilling knowledge of divinity and nationality are Worship Together and Reading the Bible, celebrating the Independence Day of the Republic of Indonesia and the Anniversary of Pontianak City, carrying out independent assignments with the substance of divinity and nationality values, holding a Clean Friday agenda, carrying out presentation and group discussion agendas, and implementing a three-dimensional wall magazine and poster making agenda. In addition, the aspect of technology empowerment needs to be optimized in various moments including the creation of digital-based posters and wall magazines as a representation of the agenda that describes the implementation of digitalization elements holistically, and the evaluation of the effectiveness of the integration of PAK and P5 learning in general is not carried out on a scheduled and regular basis, however, intensive communication and coordination between P5 and PAK teachers in order to integrate divinity and national values are carried out, including together with school management.
Abstract:Stunting is a chronic nutritional problem that occurs as a result of prolonged inadequate nutrient intake, beginning as early as the prenatal period, and leading to impaired physical growth and cognitive development in children.…
hildren. This condition remains a strategic public health issue because it has direct implications for the quality of human resources and national competitiveness in the future. This study focuses on the role of the family, particularly pregnant women and breastfeeding mothers, in preventing stunting through adequate nutritional fulfillment during the first 1,000 days of life, with an emphasis on exclusive breastfeeding practices. The method employed is a conceptual review based on scientific literature and relevant health policies to analyze the relationship between early nutritional adequacy and the risk of stunting in children. The findings indicate that stunting not only results in children having a height below the age-standard norm, but also disrupts brain development, which in turn affects learning ability, productivity, creativity, and children’s readiness to face future educational and social challenges. Family-based approaches to stunting prevention have proven effective, as the family represents the primary and earliest environment for meeting children’s nutritional needs. Exclusive breastfeeding during the first six months of life emerges as a key strategy, as it optimally fulfills infants’ nutritional requirements and reduces the risk of malnutrition. The conclusion of this study emphasizes that strengthening the role of the family through nutritional education for pregnant and breastfeeding mothers is a strategic step toward sustainable stunting prevention. The novelty of this scientific work lies in its integrative emphasis on family-based approaches and the optimization of exclusive breastfeeding as a foundation for improving human resource quality from early life, encompassing not only physical, but also cognitive, emotional, and social dimensions of child development.
Abstract:This study was conducted to evaluate the quality of the electrical installation at Budi Bakti School Building in Samarinda by emphasizing aspects of reliability, safety, energy efficiency, and compliance with applicable…
electrical installation standards. The research approach involved field surveys to obtain empirical data, measurements of lighting intensity, calculations of the required number of lighting points according to the function and characteristics of each room, as well as technical analysis of installation components, including conductors and protection systems. All observed data were compared with theoretical calculations to identify the level of conformity as well as potential deviations that could cause problems. The findings indicate that although the electrical installation remains operational, there are significant discrepancies, particularly in the distribution of lighting intensity, the number of lighting points, and the selection and placement of protective components that do not fully meet the standards. These discrepancies affect the optimality of lighting, reduce user comfort, and present potential safety risks. Therefore, this study recommends adjustments to the installation design, prioritizing the optimization of the lighting system, the use of standard-compliant components, and the implementation of energy efficiency principles as part of a comprehensive improvement effort. The implications of these findings highlight that regular evaluations and updates of electrical installations in educational buildings are essential to create a safe, comfortable, and productive learning environment. Thus, the results of this research not only provide practical contributions for school management but also offer a scientific basis for developing technical standards of electrical installations that are more responsive to educational needs.
Abstract:This study aims to analyze the feasibility of business development for CV. Subur Indah Pertama, located in Pemecutan Kaja Village, North Denpasar, Bali, based on five main aspects of business feasibility studies: market…
and marketing, legal, human resources, environmental, and financial. This research employs a qualitative approach using descriptive methods, with data collection techniques including direct observation, in-depth interviews, and document review. The analysis results show that from the market and marketing aspect, the company has demonstrated positive performance through the optimization of digital platforms such as Tokopedia, Shopee, and TikTok, as well as strategic partnerships with contractors and property developers. Legally, the company is deemed feasible as it has fulfilled all business documents and licenses, including SIUP, NPWP, PKP, and tax compliance. In terms of human resources, a systematic organizational structure and professionally-based HR management indicate the company’s readiness to support business expansion. The environmental aspect also meets feasibility criteria, with evidence of standardized waste management systems and compliance with environmental regulations. From the financial perspective, the project is considered highly feasible based on financial indicators, namely a Net Present Value (NPV) of IDR 13.7 billion, an Internal Rate of Return (IRR) of 32%, and a Payback Period of 5 years, which is below the project’s economic life of 8 years. The IFAS and EFAS analyses show significant internal strengths, while the SWOT matrix places the company in Quadrant I with an aggressive strategy (Strength–Opportunity). Based on the overall findings, the business development of CV. Subur Indah Pertama is declared feasible and has strong prospects for long-term growth.