Abstract:This study aims to examine the credit application procedure at BPR Sinar Mas Pelita Ciawi Branch, identify the challenges encountered during the process, and evaluate the solutions implemented to overcome them. The research…
rch uses a descriptive qualitative method with data collected through interviews with bank employees, direct observation during an internship program, and literature review. The findings show that the credit application procedure consists of several stages: application submission, document verification, credit analysis, credit approval, agreement signing, and fund disbursement. Common obstacles include customers’ lack of understanding of the procedure and delays in document submission. BPR Sinar Mas Pelita Ciawi Branch has implemented various strategies such as public education through social media and providing a checklist of required documents to applicants. Overall, the credit application process has been carried out effectively and efficiently.
Abstract:The intensive use of synthetic chemical pesticides in agriculture has led to various negative impacts on the environment and human health, as well as increased pest resistance. As an alternative, plant-based pesticides (botanical…
botanical insecticides) have shown potential due to their eco-friendly and sustainable nature. This study aims to review the effectiveness of soursop (Annona muricata) leaf extract as a botanical pesticide against the gray caterpillar (Spodoptera litura) on mustard plants (Brassica juncea), using a literature review method. Data were collected through a systematic search of accredited national and international scientific journals, then analyzed descriptively and comparatively. The findings indicate that soursop leaves contain bioactive compounds such as acetogenins, flavonoids, and saponins, which act as stomach poisons, antifeedants, and repellents to S. litura. Several studies reported that extracts from Annona spp. leaves and seeds effectively inhibit larval growth, reduce feeding activity, damage digestive tissues, and lead to larval death. This effectiveness highlights the potential of soursop leaves as a safe and efficient candidate for botanical pesticide development. The study also identifies a research gap regarding field-scale testing on mustard plants, suggesting the need for further agronomic validation.
Abstract:• This study aims to determine the paradigm that can shape the creativity of students, assist educators in developing creativity in students and prepare creative educational units based on the characteristics of an independent…
ependent curriculum. The method used in this study is descriptive qualitative by looking at literature reviews from various sources that have been obtained and then conclusions are drawn analytically. The results of the research are in the form of descriptions of actions that can shape the creativity of students, as well as attitudes of educators that can support learning achievement in implementing the independent curriculum in learning in educational units.
Abstract:This study aims to analyze the financial statements of an automotive repair service business in order to transform financial data into useful information for decision-making. The method used is descriptive analysis of the…
e balance sheet, income statement, and statement of changes in equity prepared by the workshop business entity. The results show that the workshop business has a healthy financial position with adequate current and fixed assets, as well as a positive net profit. The conclusion of this study is that financial statements provide essential information for management in planning and controlling the business.
Abstract:The large-scale exploitation of nature currently occurring in Indonesia reflects a crisis of spirituality among modern humans in their understanding and treatment of nature. The loss of sacred awareness of nature as God's…
s creation has led to an exploitative, rather than participatory, relationship between humans and nature. This study aims to examine the connection between the exploitation of nature and spiritual decadence, as well as how Islamic values can provide a relevant and transformative ecological ethical framework. The method used is a qualitative study with a literature review approach, involving critical analysis of Islamic texts and spiritual ecology theories from thinkers such as Seyyed Hossein Nasr and Roy A. Rappaport. The results of the study show that Islamic principles such as Tawhid, Khilafah, Amanah, and Shari'ah have strong potential to shape spiritual-based ecological awareness. Additionally, rituals in traditional and religious communities also function as ecological and moral mechanisms. In conclusion, the reconstruction of Islamic spiritual values in an environmental context is essential to address contemporary ecological crises, particularly in Indonesia.
Abstract:The plastic waste crisis in Indonesia and Thailand is one of the biggest environmental challenges in Southeast Asia, triggered by increased plastic consumption due to urbanization, economic growth and modern lifestyles.…
This study aims to analyze the challenges,
environmental impacts, and sustainable solutions related to plastic waste management in both
countries. The method used is qualitative analysis based on secondary data from scientific
literature, reports of international institutions. The results show that Indonesia faces serious
problems in plastic waste management that cause marine pollution to other countries, while
Thailand struggles with the high volume of domestic and imported plastic waste. The
resulting environmental impacts include damage to marine ecosystems, threats to
biodiversity, and human health risks from microplastics. Recommended solutions include the
implementation of national regulations that support sustainability principles, 3R (Reduce,
Reuse, Recycle) strategies, promotion of eco-friendly packaging, and public education to
reduce the use of single-use plastics. The study concludes that regional collaboration among
ASEAN countries is needed to effectively address the plastic waste crisis to protect
ecosystems and human health in the long term.
Abstract:Study This aiming For analyze inequality between law normative and practical its implementation in system Indonesian law , as well as to study the impact to justice social and awareness law citizens . This article also explores…
xplores the role of Citizenship Education in to form character critical , fair and conscious citizens law . In the research This the method used is approach qualitative descriptive with type studies library , relying on secondary data from literature academic , documents law , and reports institution independent . The results of the study show that inequality enforcement law due to low integrity institution justice , intervention power , and social bias to group vulnerable . The phenomenon of dualism of law causes law lost universal and changing nature become tool discriminatory power . Therefore that , Citizenship Education own position strategic in to plant mark justice , awareness law , and bias towards groups marginal , in order to create a more society fair and democratic .
Abstract:This study examines the relationship between the concept of Maqashid Al-Quran and the optimization of budget management in the context of Islamic economics. Using the systematic literature review method, this article collects…
lects and analyzes publications from Scopus indexed journals in the last 10 years to identify conceptual frameworks and indicators of budget efficiency that can be synergized with the principles of Maqashid Al-Quran. The findings of the study show that the implementation of maqashid values—such as the protection of soul, religion, intellect, descent, and property—can be the basis for formulating budgeting policies that are not only efficient but also socially just. In addition, this article develops an innovative analysis model, integrates budget efficiency indicators with the maqashid principle, and offers practical implementation recommendations for researchers and policymakers. The implications of this research are expected to help in the formulation of more holistic and progressive Islamic economic policies. This research has shown that the integration of the principles of Maqashid Al-Quran into budget management has the potential to improve fiscal policy by strengthening aspects of justice, transparency, and efficiency. Using the systematic literature review method, this article not only identifies gaps in the conventional literature, but also offers an innovative framework that can be used as a reference for researchers and practitioners in the development of Islamic economics. The implementation of this framework requires a joint commitment between stakeholders to reform fiscal governance and integrate ethical values at every policy stage. It is hoped that the results of this research will provide inspiration for the development of a long-term strategy that is progressive, based on maqashid in budget management, and will be an important contribution in realizing public governance that is fair, efficient, and oriented towards community welfare.
Abstract:Quantitative research is a crucial foundation in the scientific landscape to understand phenomena objectively and measurably. Although essential, there is often a gap between methodological idealism and research practice,…
, especially among novice researchers, which is indicated by the use of quantitative methods that are not optimal in student theses due to lack of mastery of methodology and statistics, marked by inconsistencies in variable logic, lack of theoretical basis, data bias, sampling technique errors, to inaccuracy in testing the validity of instruments and statistical analysis. Through a systematic and comprehensive literature review, this article aims to present a complete picture of the “roadmap” of quantitative research, including the essence, principles, key stages (starting from problem formulation, sample determination, instrument development, data collection, to analysis and interpretation of results), and its various types, rooted in the positivist paradigm that emphasizes objectivity and hypothesis testing. Although quantitative research offers significant advantages such as time efficiency and generalizability, challenges such as difficulty in data collection and lack of in-depth analysis also need to be overcome, so improving methodological and statistical training is crucial to producing valid, accountable scientific work that contributes significantly to the development of science.
Abstract:the practice of morality toward Allah SWT, the Prophet Muhammad SAW, parents, and the self. Morality in Islam encompasses not only the vertical relationship with the Creator and His Messenger but also the horizontal relationship…
tionship with fellow human beings and oneself. This research employs a qualitative method with a literature review approach, analyzing sources from the Qur’an, Hadith, and relevant academic studies. The findings indicate that integrating morality toward Allah and the Prophet serves as the fundamental foundation in shaping a strong character, while morality toward parents and oneself reinforces the social and psychological dimensions of a Muslim individual. Consistent application of these moral values contributes to the formation of a harmonious, responsible, and virtuous Muslim personality in daily life. This study offers significant implications for Islamic character education and spiritual development of the Muslim community