Rescollacomm (E-Journals)
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Strengthening Educational And Cultural Values Through The International Community Service Program In Pattani, Thailand
No full textThe International Community Service Program (KKN) at Kalamullah Al-Qur\u27an and Multilingual School in Pattani, Thailand, aims to strengthen educational and cultural values through a series of work programs that focus on various aspects of learning and culture. The work programs include: (1) Teaching Program, which improves the quality of education at the elementary, middle, and high school levels with interactive teaching methods; (2) Dream Tree Program, which inspires students to set their dreams and plan for their future; (3) Finger Painting Program, which encourages students\u27 creativity through painting; (4) Direction Sign Program, which facilitates navigation and language comprehension in the school environment; (5) Batik Program, which introduces the art of Indonesian batik as part of cultural heritage; and (6) Introducing Indonesian Cuisine Program, which introduces Indonesian cuisine such as rendang, chicken curry, and chili paste to staff, teachers, and students. These programs not only enrich student’s educational and cultural experiences, but also strengthen the relationship between Indonesia and Thailand. These activities successfully facilitated positive cultural exchanges and deepened the understanding of Indonesian culture and education in Thailand
Markowitz Portfolio Learning Design in Financial Mathematics with Technology-Based Stock Investment Simulation Practice
Full text linkIn an era of global economic uncertainty, mastering the concept of portfolio management is important for students in preparing themselves to face the challenges of the financial world. This study aims to design financial mathematics learning by integrating Markowitz\u27s portfolio theory and technology-based stock investment simulation practices. The approach used includes the use of digital platforms to obtain historical stock data and stock market simulations for virtual investment practices. The results of the study indicate that the use of this method can improve students\u27 understanding of the concepts of diversification, expected returns, and risk management in investment portfolios. With an interactive and practical approach, students can gain direct experience in building an optimal portfolio based on the Markowitz mean-variance model and implementing it in stock investment simulations. This study makes a significant contribution to the development of students\u27 financial literacy by utilizing digital technology effectively
Empowering Algebra Learning with AI-Based Adaptive Systems for High School Students
Full text linkLearning algebra is often challenging for high school students due to its abstract nature, leading to loss of motivation. This study designed and implemented an Adaptive AI Platform that personalized practice problems based on real-time performance analysis and student interests. A quasi-experimental study with 120 10th grade students demonstrated a significant effect of the platform on improving academic achievement. The experimental group (n=60) using the platform demonstrated significantly higher TPA posttest scores (adjusted mean: 81.95) than the control group (n=60) (adjusted mean: 73.65), after controlling for pretest scores. In addition, the platform substantially increased students’ learning motivation and self-confidence (Cohen’s d = 2.48 for the experimental group), supported by instant feedback and difficulty adaptation. The integration of Deep Knowledge Tracing (DKT) and Item Response Theory (IRT) models enabled dynamic content adjustments aligned with students’ cognitive progress. The results were also supported by students’ positive perceptions regarding the engagement and effectiveness of the platform. This study recommends the integration of adaptive AI platforms in high school mathematics education with adequate teacher support and infrastructure, and suggests future research for longer intervention durations and ethical analysis of AI
From Connectivity to Commitment: How Political Information Sources Shape Voter Participation in Bogor City and Regency
Full text linkThis research stems from declining public political participation in the 2024 Regional Elections (Pilkada) in Bogor City and Regency. Indonesia, one of the world\u27s largest democracies, faces low civic engagement in the electoral process, which is influenced by literacy and access to political information. This study aims to identify the main sources of political information; assess the knowledge, interest, and political participation of voters; and compare political behavior between urban and sub-urban areas. This research uses a quantitative explanatory approach with a survey method on 402 respondents from the Final Voter List (DPT) for the 2024 Pilkada. Descriptive tests and difference tests (t-test and Mann-Whitney. The results show that social media is the dominant source of political information in both areas, with the highest usage compared to conventional media, such as television and newspapers. Bogor City residents have more varied media consumption, indicating better digital literacy compared to Bogor Regency residents who rely more on social media. Political knowledge in both regions is relatively similar, but political interest and participation are higher in bogor. The difference tests showed significant differences emerge in participation and interest, with urban residents being more active in online and offline political activity. Overall, the study highlights that Indonesia’s increasingly digitalized democracy fosters broader information access but requires greater emphasis on digital literacy and civic education to transform online engagement into meaningful democratic participation. This study recommends strengthening digital political literacy through creative content, collaborating with digital platforms to counter disinformation, and establishing digital literacy agents at subdistrictrict level to encourage inclusive political engagement
Implementation of Green Accounting at PT Cirebon Electric Power
Full text linkThe aim of this research was written by researchers to determine and analyze the implementation of Green Accounting at PT Cirebon Electric Power on the company\u27s environmental performance and costs. This research was conducted because researchers wanted to analyze Green Accounting or environmental accounting at PT Cirebon Electric Power , whether the implementation of Green accounting was going well or not. Pollution that occurs due to the production process and waste produced by companies has caused the Indonesian government to plan to implement the Cirebon Steam Power Plant (PLTU) operational shutdown program sooner than initially planned. The method used in this research is a qualitative method with data collection techniques using interviews. The resource persons in this research were company employees from the environment division. The research results show that the implementation of Green Accounting at PT Cirebon Electric Power regarding environmental performance and costs has been implemented well. In implementing Green Accounting at PT Cirebon Electric Power, the performance rating obtained by the company is a green rating, which means that a company\u27s environmental management performance assessment has achieved good environmental management performance. PT Cirebon Electric Power in implementing Green Accounting has 3 environmental costs , namely: prevention costs, planning costs and unexpected costs. These environmental costs do not have a direct impact on company profits, each year environmental costs are budgeted by each share holder for operational implementation and prevention of environmental impacts
An Examination The Factors Of Share Investment Decisions : The Mediating Role Of Behavioral Finance Cirebon Society
Full text linkThis study aims to analyze the effect of financial literacy, financial technology, on stock investment decisions in the millennial generation in Cirebon Regency, with financial behavior as a mediating variable. This research uses a quantitative approach with a causal associative method. The research sample of 150 respondents was taken using purposive sampling technique. The data analysis technique uses statistical methods with Partial Least Squares-Structural Equation Modeling (PLS-SEM) with the Smart-PLS 4 application. The results showed that financial literacy has no direct effect on stock investment decisions. Meanwhile, financial technology has a significant influence on investment decisions, due to easy access and innovative features that facilitate decision making. Financial literacy and financial technology also have a significant effect on financial behavior, where individuals with good financial understanding are better able to manage finances efficiently. Financial behavior is proven to be able to mediate the effect of financial literacy and financial technology on stock investment decisions. The conclusion of this study emphasizes the importance of improving financial literacy and utilizing financial technology to support healthy financial behavior, so that millennials can make smarter investment decisions. The results show that the ease of access offered by financial technology, along with healthy financial behavior, are key factors that encourage millennials to invest in the stock market. Therefore, efforts are needed to improve financial literacy, develop innovations in financial technology, and encourage the formation of good financial habits to increase the participation of millennials in the capital market
Improving the Quality and Shelf Life of Tauco at CV Tauco Cap "Meong" Cianjur Through Thermal Treatment and Formulation Enhancement
Full text linkTraditional fermented foods like tauco play a significant role in Indonesian culinary heritage. However, many micro and small enterprises (MSEs) face challenges related to inconsistent product quality and short shelf life. Tauco Cap “Meong,” a local producer in Cianjur, West Java, experiences similar limitations due to spontaneous fermentation, high water activity (Aw), and inadequate thermal treatment. These issues lead to microbial instability and sensory degradation during storage. This community engagement project aimed to optimize tauco production by improving formulation, introducing food-grade preservatives (BTP), and applying controlled thermal processing. The interventions included pH adjustment using 0.75% food acid, Aw reduction through thermal treatment, and the addition of stabilizers such as 0.1% CMC and xanthan gum, followed by hot filling and sealed packaging. Results showed that pH adjustment successfully lowered the pH from 4.6 to 4.3–4.4, shifting the product into a lower-risk microbial category while maintaining favorable color, aroma, and viscosity. Aw was reduced from 0.89 to 0.87 and 0.79 with 15 and 23 minutes of heating, respectively, although over-thickening and darker color were observed in the latter. After 75 days of storage, treated samples showed no phase separation or spoilage, with final Aw at 0.806 and total plate counts (TPC) of 1.5 × 10⁴ CFU/g, significantly lower than untreated controls. Sensory quality, particularly homogeneity and aroma, remained acceptable throughout storage. These improvements demonstrate the feasibility of simple, low-cost technological interventions to extend shelf life and enhance product stability in small-scale fermented food production
Markov Chain Method for Calculating Insurance Premiums
Full text linkThis study applies the Markov Chain method to calculate insurance premiums based on the dynamic health status of policyholders over time. The model considers three health states Healthy, Mild Illness, and Severe Illness each associated with a specific insurance premium. The transition probabilities between these states are represented in a transition matrix, capturing the likelihood of a policyholder remaining in their current health state or transitioning to another state in a given period. Using this approach, the steady-state distribution, which reflects the long-term probabilities of being in each health state, is calculated. This distribution is then used to determine the expected monthly premium by taking a weighted average of the premiums for each state. The methodology incorporates real-world scenarios where a policyholder\u27s health condition may change over time, impacting the premiums they are required to pay. The Markov Chain model provides an effective framework for estimating these premiums by considering the "memoryless" nature of health state transitions, where future states depend only on the current state and not on prior health history. By solving the steady-state equations pi P=pi and ensuring the total probabilities sum to one, the model yields a robust estimation of long-term health state distributions. These distributions, combined with the associated premiums, produce an accurate calculation of expected insurance costs. The results demonstrate the flexibility and accuracy of the Markov Chain method in assessing risks and setting premiums. Insurers benefit from this approach as it enables dynamic pricing strategies tailored to individual risk profiles. For policyholders, the model provides transparency in understanding how health status influences premiums. Overall, this study highlights the practicality of using Markov Chains in health insurance pricing and underscores their importance in creating equitable and sustainable insurance systems
Risk Analysis Using Poisson-Pareto Models to Estimate Reserve Funds for Catastrophic Diseases in National Health Insurance
Full text linkCatastrophic diseases such as heart disease, cancer, stroke, and kidney failure pose significant financial burdens on national health insurance systems due to their high treatment costs and frequency. This study utilizes the Poisson-Pareto model to analyze aggregate claims and determine premium loading for these diseases, ensuring the financial sustainability of the National Health Insurance program. Using secondary data from 2018 to 2023, we estimate the parameters for frequency and severity distributions, calculate the expected aggregate claims, and derive the required premium loading at various confidence levels. The results show that heart disease accounts for the highest reserve fund allocation, while kidney failure requires the lowest. These findings emphasize the importance of preparing sufficient reserve funds to manage financial risks associated with catastrophic diseases. The proposed approach provides a robust framework for national health insurance providers to maintain financial stability and optimize resource allocation for high-cost diseases
Analysis of the Impact of High Inflation on Present Value Calculation in Investment in Indonesia
Full text linkInflation is a crucial economic indicator that significantly impacts investment decisions. In Indonesia, inflation has shown substantial fluctuations due to factors such as global commodity prices, monetary policy, and domestic demand. This study aims to analyze the impact of high inflation on present value (PV) calculations in investment contexts, particularly in long-term projects. Present value, a method for assessing future cash flows based on their current value, is influenced by the discount rate, which tends to rise with inflation. Using data from 20152023, this research compares two inflation scenarios (1.56% and 6.38%) and calculates the PV of an investment with a future value of IDR 1,000,000 over 5 years. The results show a significant decrease in PV under high inflation, from IDR 925,497 to IDR 733,999, indicating that inflation erodes the purchasing power of future cash flows. Furthermore, the analysis highlights the more significant impact of inflation on sectors with higher cash flow projections, such as infrastructure. The study underscores the need for investors to consider inflation when making investment decisions to manage risks and maximize returns