Abstract:This study aims to identify and analyze college students' preferences for Islamic financial products, explore the influence of these preferences on loyalty formation, and develop a conceptual model of Islamic financial consumer…
onsumer loyalty. The research method used was qualitative with a phenomenological approach. Data were collected through semi-structured interviews with 17 college students who had knowledge or experience related to Islamic financial products. Data analysis was performed using NVivo software. The results showed that college students' preferences were influenced by religiosity, financial institution reputation, trust, digital service innovation, and financial education. These factors contribute to the formation of consumer loyalty. Based on these findings, this study developed a consumer loyalty model that encompasses three main dimensions: spiritual attachment, digital engagement, and community-based advocacy. This model integrates consumer loyalty theory and Value-Belief-Norm (VBN) theory to explain the relationship between religious values, digital behavior, and loyalty to Islamic financial products. The implications of this research lie in its contribution to broadening the theoretical understanding of consumer loyalty in the Islamic financial sector and providing strategic direction for financial institutions in strengthening long-term relationships with young customers.
Abstract:This study examines the effectiveness of an ADDIE-based negotiation training program implemented for university students from multiple institutions. Using a quantitative one-group pre-test–post-test design, the study evaluates…
valuates whether the structured application of the ADDIE instructional design model leads to measurable improvements in negotiation skills. Data were collected through pre-training and post-training surveys and analyzed using a paired-samples t-test. The results indicate a statistically significant increase in participants’ post-test scores compared to pre-test scores, confirming the effectiveness of the training intervention. The findings further demonstrate that the systematic alignment of needs analysis, instructional design, material development, interactive implementation, and quantitative evaluation contributed to positive learning outcomes. This study contributes to the literature on instructional design and talent development by providing empirical evidence that ADDIE-based training can effectively enhance negotiation skills in higher education contexts.
Abstract:The phenomenon of bullying in educational settings involving children and adolescents is increasingly worrying because it has serious physical and psychological impacts on victims. This study aims to analyze the criminological…
ogical perspective on children as perpetrators of bullying and to identify the criminogenic factors that influence this behavior. The method used is normative legal research with a case study approach and a conceptual approach, utilizing secondary data from legal literature, journals, and bullying cases at the Al-Azhar Janapria Islamic Boarding School in Central Lombok. The results indicate that bullying behavior can be explained through strain theory, differential association theory, social control theory, and labeling theory. Bullying is influenced by faulty social learning processes, weak social control, and the application of negative labels. Criminogenic factors include the social environment, the individual, peers, and the family. Prevention efforts need to be carried out comprehensively through synergy between families, schools, and the community to create a safe and violence-free educational environment.
Abstract:Withdrawal of Waqf Assets based on Decision No. 22/Pdt.G/2017/MS-MEDAN because the objects which are waqf assets belonging to the Bireueen Islamic Education Society have been misused by the Bireueen Ministry of Religion…
in a dysfunctional manner, namely the waqf objects are recorded as Public Property. In order for the irregularity of the waqf assets to be in accordance with the waqf pledge made, the owner of the waqf rights takes over the waqf assets. The validity of Nazir as the owner of the waqf rights in the event of misappropriation of waqf assets based on Resolution no. 22/Pdt.G/2017/MS-MEDAN is reviewed from the provisions of Article 42 of Law Number 41 of 2004 concerning Waqf which explains: "It is the duty of nazhir to manage and dispose of waqf assets for their intended use, according to their function and designation." So that the waqf assets that were originally borrowed by the owner of the waqf rights can be disposed of if there is misuse of waqf assets. The Judge's reason for permitting the takeover of misused waqf assets in Decision no. 22/Pdt.G/2017/MS-MEDAN, based on the findings of the facts by the Judge, is of the opinion that legally there is no legal justification for the Defendant/Applicant to hold objects that are unlawfully and unlawfully owned and managed as YPI Bireuen's claim items.
Abstract:Lingga Village in Karo Regency, North Sumatra, is a cultural village that preserves the traditional architecture of the Karo people, particularly the Siwaluh Jabu traditional house, which reflects the community’s life philosophy,…
philosophy, social order, and spirituality. The surrounding environment of these traditional houses remains poorly organized, with vacant land left unmanaged and declining awareness of cultural preservation, resulting in suboptimal utilization of the area’s aesthetic value, cultural function, and tourism potential. This community service program aims to arrange a cultural garden around the traditional houses while empowering the local community to manage the cultural landscape in a sustainable manner, with a focus on preserving cultural identity, improving environmental quality, and strengthening the local economy through the development of cultural tourism and agrotourism. The implementation method adopts a community-based participatory approach, carried out through several stages: site observation and mapping, focus group discussions, planning and designing the cultural garden, training and knowledge transfer, collective implementation of garden arrangement, as well as evaluation and documentation. The garden design integrates the orientation of the Siwaluh Jabu house, the cosmological meaning of space, ecological landscape principles, and the selection of local vegetation with symbolic, aesthetic, and economic value, organized into aesthetic, educational, and productive zones. The results of the program indicate the establishment of a well-arranged cultural garden rich in Karo cultural symbols, increased community capacity and participation, and the creation of a sustainable cultural landscape management model that functions as a “living laboratory” combining aesthetic, educational, economic, and spiritual roles. This model positions the community as the main actor and holds potential to be replicated in other cultural villages with similar characteristics.
Abstract:This study aims to determine the significant relationship between Christian Religious Education and the Formation of Spirituality of VIII-grade Students at SMP Negeri 1 Pulau-Pulau Batu, South Nias, Academic Year 2022/2023.…
23. The population in this study were all VIII-grade students at SMP Negeri 1 Pulau-Pulau Batu, totaling 25 people, because the population was small, namely only 25 people, the entire population became the research sample, namely 25 people. This study used a quantitative method with SMART PLS software data processing. The method of collecting data as a result of the study was a questionnaire using a Likert scale with 4 answer options. The results of the study in measuring validity where the outer loading results of all indicators were > 0.7, this indicates that all indicators of variables X and Y can represent the latern variable (construct). Likewise, reliability where CA, RO, CR, > 0.7 and AVE > 0.5, shows that all indicators are reliable, so this result can be continued with hypothesis testing which shows that there is a relationship between Christian Religious Education and the Formation of Student Spirituality with T. statistic > T. table, namely 2.109 > 1.96 and p. value 0.035 > 0.05. The conclusion of this study shows that there is a relationship between Christian Religious Education and the Formation of Student Spirituality. (X) with Spiritual Formation (Y) but not significant.
Abstract:Withdrawal of Waqf Assets based on Decision No. 22/Pdt.G/2017/MS-Aceh because the objects which are waqf assets belonging to the Bireueen Islamic Education Society have been misused by the Bireueen Ministry of Religious…
Affairs in a dysfunctional manner, namely the waqf objects are recorded as Public Property. In order for the irregularity of the waqf assets to be in accordance with the waqf pledge made, the owner of the waqf rights takes over the waqf assets. The validity of Nazir as the owner of the waqf rights in the event of misappropriation of waqf assets based on Resolution no. 22/Pdt.G/2017/MS-Aceh is reviewed from the provisions of Article 42 of Law Number 41 of 2004 concerning Waqf which explains: "It is the duty of nazhir to manage and dispose of waqf assets for their intended use, according to their function and designation." So that the waqf assets that were originally borrowed by the owner of the waqf rights can be disposed of if there is misuse of waqf assets. The Judge's reason for permitting the takeover of misused waqf assets in Decision no. 22/Pdt.G/2017/MS-Aceh, based on the findings of the facts by the Judge, is of the opinion that legally there is no legal justification for the Defendant/Applicant to hold objects that are unlawfully and unlawfully owned and managed as YPI Bireuen's claim property.
Abstract:This study aims to determine the effect of the STAD type cooperative learning model assisted by Canva on physics recognizing consequences in the situation of momentum and impulse material for the sophistication of X MIPA…
SMA Mulia Pratama Medan Academic Year 2022/2023. The type of research is a quasi-experimental study. The population is Class X MIPA semester 1 SMA Mulia Pratama Medan Academic Year 2022/2023. The research pattern was taken from general sampling, which consists of training, namely the experimental class of 30 students carrying out the STAD version of learning assisted by Canva, and the control class of 30 students carrying out the Direct education (DI) model. Research notes were obtained using a tool in the form of an essay test which includes 10 questions that have been tested beforehand to see the validity of the questions, reliability, stages of the questions and discriminating power. Based on the results of the study for the experimental class, received an average pretest of 50.50 with a trendy deviation of 9.45 and an average post-test rating of 85.07 with a desired deviation of 6.06. For the splendor of manipulation, the average pretest value became 49.57 with a standard deviation of 9.18 and the average posttest value became 79.89 with a popular deviation of 5.48. both trainings have been declared generally disbursed (obtained L0 Fcount statistical test (two-tailed t test) for α = 0.05 and dk 58 obtained tcount < ttable, especially 0.418 < 2.002, this shows that the initial abilities in both classes are the same. Then the two classes were given different treatments and at the end of the learning a post-test was given. From the results of the statistical test of the data (one-tailed t test) obtained tcount> ttable, especially 6.143> 1.671, this final result shows that there is a broad influence of the STAD type cooperative learning model assisted by Canva on physics learning in gaining knowledge about the effects in the problem of calculating the amount of momentum and impulse of class X MIPA students semester I SMA Mulia Pratama Medan 2022/2023 academic year.
Abstract:Rapidly development technology Internet Which No accompanied with education in its use causes internet addiction and tends to using the internet for useless things even negative. Because That writer do PKM with title " INTRODUCING…
NTRODUCING THE INTERNET TO STUDENTS OF SMK TRISULA DOLOK SANGGUL ". Community service to SMK Trisula Dolok Sanggul (PKM) aims to Educating students in the use of the internet, especially students of Trisula Dolok Sanggul Vocational School . The conclusions that can be drawn from the Community Service activities at Trisula Dolok Sanggul Vocational School are: 1. The students who attended the counseling responded warmly and expressed deep appreciation. in relation to the activity, 2. When delivering the material, participants understand how to sort the information provided. internet bars, maintaining internet security, one of which is from phishing crimes and tips for staying productive in working or studying, 3. Participants can answer the questions given well and respond positively is a sign that the extension material has been delivered, 4. Male and female students participating in PKM receive knowledge knowledge new and get certificate participation that is given by organizer activity.
Abstract:Penggunaan smartphone di kalangan remaja terus meningkat seiring dengan kemudahan akses terhadap informasi, hiburan, dan media sosial. Menurut APJII (2024), 98% remaja menggunakan smartphone, sementara data dari Badan Pusat…
sat Statistik Sumatera Barat (2024) menunjukkan bahwa 67,78% remaja memiliki akses ke smartphone. Penggunaan berlebihan ini membuat remaja kesulitan mengelola waktu, mengurangi konsentrasi, sering menunda-nunda tugas, dan mempengaruhi motivasi belajar mereka. Penelitian ini bertujuan untuk mengetahui hubungan antara motivasi belajar dan penggunaan smartphone pada remaja kelas VIII di SMP Negeri 25 Padang Tahun 2025, dengan pengumpulan data dilakukan pada 26-28 Mei 2025. Populasi penelitian terdiri dari 261 siswa kelas VIII di SMP Negeri 25 Padang pada tahun 2025. Sampel sebanyak 72 responden diambil menggunakan rumus Slovin dengan teknik sampling acak. Pengumpulan data dilakukan menggunakan lembar observasi dan kuesioner MSLQ, dianalisis secara univariat dan bivariat menggunakan uji Chi-Square. Hasil menunjukkan bahwa 45,8% remaja memiliki motivasi belajar rendah, sementara 44,4% memiliki penggunaan smartphone yang tinggi. Secara bivariat, terdapat hubungan antara motivasi belajar dan penggunaan smartphone pada remaja kelas VIII di SMP Negeri 25 Padang tahun 2025. Diharapkan guru dapat meningkatkan program pendidikan tentang penggunaan smartphone yang sehat dan menciptakan lingkungan belajar yang kondusif.
Smartphone use among adolescents is increasing along with easier acces to information, entertainment, and social media. According to APJII (2024), 98% of adolescents use smartphones, while data from the West Sumatra Statistics Agency (2024) shows that 67,78% of adolescents have acces to smartphones. This excessive use makes it difficult for teenager to manage their time, reduces their concentration, causes them to frequently procrastinate, and affects their motivation to learn. This study aims to determine the relationship between learning motivation and smartphone use among eight-grade students at SMP Negeri 25 Padang in August 2025, with data collection carried out on May 26-28, 2025. The study population consisted of 261 eight-grade students at SMP Negeri 25 Padang in 2025. A sample of 72 respondents was taken using the Slovin formula with random sampling technique. Data collection was conducted using observation sheets and MSLQ questionnaires,analyzed univariately and bivariately using the Chi-Square test. The results showed that 45,8% of adolescents had low learning motivation, while 44,4% had high smartphone usage. Bivariate there is a relationship between learning motivation and smartphone use among eight-grade students at SMP Negeri 25 Padang in 2025. It is hoped that teachers can improve educational programs on healthy smartphone use and create a create a conducive learning environment.