Abstract:Abstract This study is motivated by the financial literacy of generation Z and also the quality of life insurance products in Indonesia which are moderated by gender in influencing a person's interest in buying life insurance…
surance in Indonesia. This study uses a quantitative method with a descriptive relationship approach. Determination of the sample in this study was carried out by calculating using the Bernoulli formula, with a total of 384 respondents. The data analysis technique used is the Structural Equation Model - Partial Least Square (SEM-PLS). The results of the study show that financial literacy (X1) and product quality (X2) do not have a significant effect on buying interest (Y) where the p-values of both variables are <0.05. Other findings also state that Gender (Z) does not significantly moderate financial literacy and product quality. The conclusion of this study is that the factors that make generation Z interested in buying insurance products are influenced by their perceptions of financial literacy and product quality. More specifically, the perception of product quality factors has a significant and positive influence on generation Z's interest in buying life insurance products in Indonesia. The findings show that of the two variables, product quality can be the strongest predictor in predicting generation Z's interest in purchasing life insurance products. Financial literacy cannot significantly predict generation Z's interest in purchasing insurance products.
Keywords : financial literacy, product quality, gender, purchasing intention
Abstract:This research aims to describe the form and the meaning of each fi`il ṡulāṡi mazīd in surah Al-Fatḥ. Fi`il ṡulāṡi mazīd is a fi`il that consists of three original letters and gets additional letters totaling one, two, and…
g one, two, and three letters. This type of research is qualitative research with a literature study research design. This research focuses on the material of fi`il ṡulāṡi mazīd in ṣaraf. The data in this research are in the form of words in the verse snippets of surah Al-Fatḥ. There are two sources of data used, namely primary data sources and secondary data sources. The data collection techniques in this research are reading techniques and documentation techniques. The data analysis techniques used are data collection, data reduction, data presentation, and conclusion drawing. The results of this research indicate that there are 66 forms of fi`il ṡulāṡi mazīd in surah Al-Fatḥ spread over 23 verses and divided into several wazans, including 13 fi`il following the wazan فَعَّلَ, 6 fi`il following the wazan فَاعَلَ, 32 fi`il following the wazan أَفْعَلَ, 6 fi`il following the wazan تَفَعَّلَ, 5 fi`il following the wazan اِفْتَعَلَ, 2 fi`il following the wazan اِنْفَعَلَ, and 2 fi`il following the wazan اِسْتَفْعَلَ. Fi`il ṡulāṡi mazīd in Surah Al-Fatḥ not only varies in terms of form, but also contains various meanings according to the wazan of formation. These meanings include لِلتَّعْدِيَةِ, لِلتَّحَوُّلِ, “فَعَّلَ” لِمُطَاوَعَةِ, “فَعَلَ” لِمُطَاوَعَةِ, “أَفْعَلَ” لِمُطَاوَعَةِ, لِلْمُشَارَكَةِ بَيْنَ اثنَيْنِ, الْمُجَرَّد “فَعَلَ” لِمَعْنَى, لِطَلَبِ الْفِعْلِ, لِلدُّخُولِ فِي الشَّيْءِ, dan لِزِيَادَةِ الْمُبَالَغَةِ فِي الْمَعْنَى.
Abstract:This study aims to evaluate the strategic development of the government grant program for goat farming groups in Kediri Regency through a SWOT analysis approach. The program, launched in 2022, serves as an economic empowerment…
erment initiative to support small-scale farmers by increasing livestock populations and improving rural welfare. Data were collected using a descriptive quantitative method through in-depth interviews with program managers and grant recipients, supported by direct field observations. The Internal Factor Evaluation (IFE) and External Factor Evaluation (EFE) matrices were used to determine the program’s strategic position, while the Cartesian SWOT diagram identified the appropriate development quadrant. The results show that the program is situated in Quadrant II, indicating strong internal conditions but significant external threats. With IFE and EFE scores of 2.9252 and 3,1333 respectively, the analysis suggests that the program should implement Strength–Threat (S-T) strategies, including consistent quarterly reporting, increased technical staff, and public reinforcement of the program’s catalytic function. These findings are expected to guide the formulation of more effective strategies for sustainable livestock empowerment in Kediri Regency.
Abstract:This study aims to analyze the development strategy of cassava leaf-based animal feed ( Manihot utilissima ) in Sumberejo Village, Pagar Merbau District, Deli Serdang Regency. This study uses a nonprobability sampling method…
thod with a saturated sampling technique. With a total of 53 respondents consisting of 50 consumers, 1 business owner and 2 employees. This study uses primary and secondary data. This study uses multiple linear regression analysis to determine what factors influence the development strategy of cassava leaf animal feed and descriptive analysis to analyze the development strategy for the potential and opportunities of using cassava leaves as animal feed. This research method uses qualitative and quantitative analysis. The results showed that cassava leaves have a high crude protein content, which is around 20-30%, and contain crude fiber, fat, and minerals that are beneficial for livestock growth. Multiple linear regression analysis in this study shows that all independent variables have a significant effect on the dependent variable. Among these factors, the economic aspect makes the largest contribution, making it the main factor influencing the dependent variable. Furthermore, social aspects and external support also play a significant role in determining the results. In addition, other factors such as technology, resources, and marketing and distribution also have a significant impact, although with a smaller influence compared to economic and social aspects. Thus, the regression model shows a positive relationship between the independent variables and the dependent variable, so that improvements in these aspects will increase the dependent variable, with the main priority on economic and social aspects.
Abstract:This study aims to analyze the representation of heroic narratives in two movies adaptations of Greek mythology, Clash of the Titans (2010) and Wrath of the Titans (2012), through a comparative literature approach and Vladimir…
adimir Propp's narratology. The main character Perseus is the center of attention in the study of narrative structure because of his role as a mythological hero who faces a series of challenges that are full of values of courage, sacrifice, and determination. Propp's theory is used to identify narrative functions such as dispatch, magical agent, struggle, and transfiguration that appear in both movies. The method used is qualitative with content analysis technique by comparing the stories, characters, and moral messages as well as narrative functions in the two movies with the theme of Greek mythology. The results show that the comparison of the narrative structure of the two movies with the character Perseus has strengths in the dramatic aspects of heroic attitudes in accepting choices and fighting for life so that the integration of heroic material can be adapted to literature learning involving character values. This finding confirms that the narratological approach through comparative literature can be an important pedagogical tool to teach story structures with character values through popular media. This research recommends the utilization of mythological movies in literature learning and character education at various levels of education as a means of strengthening narrative literacy and understanding moral values.
Abstract:The transformation of Indonesia's education system faces significant challenges in aligning with the demands of globalization, digitalization, and lifelong learning. These challenges have sparked debates regarding the effectiveness…
fectiveness of the full-day school model and the modular education system. This study aims to comparatively analyze these two approaches within the context of primary and secondary education in Indonesia, referencing modular education practices in the United Kingdom as an international benchmark. The study employs a qualitative approach based on a literature review, utilizing thematic content analysis of 20 accredited scholarly sources selected through strict inclusion criteria, and analyzed with the assistance of NVivo software to ensure thematic accuracy.The findings indicate that the full-day school model excels in fostering discipline and consistent learning structures; however, it poses risks of cognitive fatigue and is less supportive of differentiated instruction. In contrast, the modular system offers flexibility, opportunities for personalized learning, and deeper conceptual understanding, yet requires adequate digital infrastructure and self-directed learning literacy, which are not evenly distributed.The study concludes that no single educational model is universally superior; instead, each holds contextual relevance. This research contributes theoretically by enriching the comparative education literature and practically by informing the design of more adaptive, inclusive, and responsive learning policies to meet the challenges of the 21st century, while also supporting efforts to achieve quality education as outlined in the Sustainable Development Goals (SDGs).
Abstract:Cyber risk management has become a critical issue as the number of cybersecurity incidents continues to rise each year. This study aims to analyze the trends in cyber incidents, the most prevalent types of cybercrimes, and…
nd the efforts in mitigation and cyber risk management in Indonesia. According to data from the National Cyber and Crypto Agency (BSSN) for the period 2019 to 2023, the number of incidents increased significantly from 290,000 cases in 2019 to 1,031,389 cases in 2023. The dominant types of cybercrime shifted each year, starting with phishing in 2019, malware in 2020, ransomware in 2021, DDoS attacks in 2022, and data breaches in 2023. This surge in incidents reflects the growing complexity of cyber threats faced by various sectors in Indonesia. In response, the government and private sector have strengthened regulations through the enactment of the Personal Data Protection Law and have adopted technologies such as artificial intelligence (AI) and blockchain to enhance detection and prevention of cyberattacks. Effective cyber risk management requires integrated preventive, detective, and corrective measures to safeguard information systems and sensitive data from increasingly sophisticated attacks. Through collaboration among the government, private sector, and the public, Indonesia’s digital ecosystem is expected to become more secure and resilient in the face of cybercrime threats..
Abstract:In Indonesia, dividing an inheritance can become particularly challenging when it involves a second wife and children from different marriages. One of the most sensitive issues is determining each child's rightful share,…
especially when the legal status of the second marriage is uncertain. This study uses a qualitative library research method, drawing from both primary legal texts and supporting literature to explore this issue.The findings, based on the study “Analysis of Inheritance Distribution for Children of a Second Wife According to Indonesian Inheritance Law”, show that Islamic inheritance law in Indonesia generally aims to provide a fair and balanced distribution through the principles of faraidh. As long as the second marriage is legally recognized, children from that union have the same inheritance rights as those from the first marriage. In practice, however, problems often occur when the second marriage hasn't been officially registered. This highlights the importance of legally documenting all marriages to protect the rights of every child and avoid future disputes among heirs.
Abstract:The church is a gathering place for people who believe in Jesus Christ to praise and to glorify Him. Song is part one of the His followers to praise and glorify Him. The purpose of the study was 1) to determine the influence…
ence of song (Ndawi) Lani ethnic in developing their interest at the Lome Baptist Church. 2) to determine the factors that influence the congregation's interest in worshiping at the Lome Baptist Church. The researcher used a qualitative approach. The qualitative approach was chosen because the main focus of the study was to understand the social phenomena related to the song (Ndawi) from the Lani tribe. The population of this study was the entire Lome Baptist Church around aged 18-25 years and the sampel used was 15 people. The data collection techniques used were interviews and observations. The data analysis techniques were identification, classification, and drawing conclusions. The results shows that there are 13 parts, which are divided into (Ayi awu togon uwa iya wua togon uwa) wonderful God wonderful God, (Yetut awuri inom uwa Kritut awuri inom wua) Jesus is with his disciples, Christ is with his disciples, (Purom paga logoner wua taitom paga logoner wua) Living on the Mount of Olives, (Tamban eggwi wonoggwime wua) He is praying, (Ala yoggwi wonoggwime wua) He is asking for power from Him, (Yetut ogoma wagaggerak wua) The Spirit of Jesus came to take a ride, (Wiya pogom wagaggerak wua) He is coming like the wind, (Togi pogom wagaggerak wua) He is coming to brood on the snow, (Awuri aggo inikime wua) He is entering the hearts of His disciples, (Orewi aggo inikime wua) He is entering the hearts of His friends, (Enggi taa ndi’nduk eregerak wua) He is fulfilling in the heart, (Iyok taa ndi'nduk eremobil wua) He is soak the feet in the heart, (Ayii awu togon wua Iya wua togon wua) Wonderful God, miraculous God.
Abstract:Language is a system of sound symbols used by humans to interact in social life. Language has sentence elements, which consist of “Subject, Predicate, Object, and Complement”. The objectives of the study consisted of two…
of two parts. 1) to record transitive and intransitive verb sentences in the Lani Language of Tolikara Regency, 2) to describe the form of transitive and intransitive verb sentence structures in the Lani Language of Tolikara Regency. The method used in this study is descriptive. Descriptive research is conducted to describe the level of analysis, namely, analyzing and presenting facts systematically, so that they can be better understood and concluded. The researcher used an informant, the Chief of the Tribe "Yumiles Yikwa" to obtain data in the Lani Language. Based on the data analysis, it can be concluded that the structure of transitive and intransitive verbs is different in the Lani Language and Indonesian. Generally, the Lani Language Structure containing verbs is usually located at the end of the sentence "Subject + Object + Predicate + Complement", which in Indonesian should have the pattern "Subject + Predicate + Object + Complement".