Rumah E-Journal Citakonsultindo (CV. CITA UTILITAS UTAMA)
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Smart Sukuk in the Digital Era and National Economic Development
Get PDFDevelopment in Indonesia cannot be separated from the increasingly massive development of national finance. One of the things that is trending now is commonly known as sukuk. Sukuk collaborates with financial technology in the form of a blockchain which produces smart sukuk. Referring to the Financial Services Authority regulation Number 18/POJK.04/2015 concerning the issuance and requirements of sukuk, tokenization of sukuk through the issuance of smart sukuk opens up various opportunities or alternative financing access schemes, especially for micro businesses with light and cheap schemes as well as opportunities to strengthen Islamic financing at the micro level such as MSME funding through Baitul Mall wat Tamwil (BMT) or integrated independent business centers. This research uses a qualitative method, the data collection technique carried out is literature study or literature review, this research collects data from previous studies by collecting literature documentation from articles, journals or books as well as publication data from other parties which are sources for examining problems in this study. Base data sources mostly come from Scopus indexed journals and Google Scholar as the main database. The data analysis techniques used in this research are data reduction, data presentation, and conclusion drawing. The results obtained from the data taken based on the Indonesian BMT Association, the total assets reached 12 trillion and total deposits of 10 trillion rupiah with total BMT financing has reached 7.82 trillion rupiah. This data is as a reference for the issuance of smart sukuk in the future, considering that BMT is the first to use smart sukuk. In fact, the issuance of smart sukuk in Indonesia and the issuance of bonds in various countries using blockchain is new starting points in the development of financial innovation and a new niche for explore Islamic microfinance. Currently, smart sukuk is the answer to developing the economy in Indonesia, because its work has realized several MSMEs is managing their businesses. The use of smart sukuk also opens up the possibility of financing for the Regional Revenue and Expenditure Budget (APBD) by local governments. Thus the opportunity to improve the national economy is increasingly wide open
Intrinsic and Extrinsic Learning Motivation of Elementary School Students: A Descriptive and Empirical Analysis
No full textThis study aims to explore the learning motivation of elementary school students, focusing on intrinsic and extrinsic motivation. Intrinsic motivation refers to the internal drive that comes from the students’ desire to achieve personal goals and feel satisfied with their academic achievements, while extrinsic motivation is influenced by external factors such as support from parents, teachers, and rewards received. A survey involving 15 respondents was conducted, and descriptive statistical analysis was used to illustrate the frequency distribution of students’ motivation levels. The study found that most students have strong intrinsic motivation, as reflected in their scheduled study habits, efforts to achieve good grades, and satisfaction with their academic accomplishments. On the other hand, extrinsic motivation, which comes from parental support and teacher rewards, also proves to be effective in increasing students' enthusiasm and study habits. Although there were differences in the level of agreement regarding the influence of parental advice on poor grades, overall, these external factors strengthened students’ motivation to achieve their academic targets. This study concludes that the development of both intrinsic and extrinsic motivation simultaneously can be an effective strategy for improving students' academic performance
Digital Ethics and Public Trust in the Era of Government Digital Transformation
No full textThis study explores the critical intersection between digital ethics and public trust within the context of government digital transformation. As governments increasingly adopt digital technologies to streamline public services, ethical challenges have emerged—ranging from data privacy violations and algorithmic opacity to excluding marginalized groups from digital access. These ethical dilemmas can significantly undermine citizens' confidence in government institutions if left unaddressed. This study identifies core themes and ethical concerns that influence public perception and trust through a Systematic Literature Review (SLR) of scholarly articles published between 2010 and 2024. The findings reveal that ethical misalignments in digital initiatives—particularly concerning transparency, accountability, and inclusivity—can erode institutional legitimacy. Conversely, when digital ethics are embedded into governance structures and service designs from the outset, they can enhance citizen engagement, foster social equity, and strengthen institutional trust. This study highlights the urgent need for public institutions to adopt ethics-by-design frameworks, prioritize participatory digital policy-making, and invest in inclusive digital literacy initiatives to ensure that technological progress in governance is effective and equitable
The Implementation Of The Problem-Based Learning (Pbl) Model To Improve Mathematics Learning Outcomes Of Fifth-Grade Students At Uptd Sd Negeri 312, Wajo Regency
No full textThe objective of this study is to determine the improvement and process of students' learning outcomes through the implementation of the Problem-Based Learning (PBL) model on the topic of area of plane figures. A qualitative approach was employed using the Classroom Action Research (CAR) method. The research involved one classroom teacher and 16 fifth-grade students—9 boys and 7 girls—during the 2024/2025 academic year at UPTD SD Negeri 312, Wajo Regency. Data collection techniques included observation, testing, and documentation. The research was carried out in two cycles, each consisting of two meetings that covered planning, implementation, observation, and reflection. Observation results of the teacher and students' learning processes in both cycles showed a good category. The number of students who successfully completed the test increased from 10 in Cycle I to 13 in Cycle II. It can be concluded that the implementation of the Problem-Based Learning (PBL) model in mathematics lessons can improve both the learning process and learning outcomes of fifth-grade students at UPTD SD Negeri 312 Cinnong Tabi, Wajo Regency
The Influence of Human Resource Development, Work Environment and Innovation Culture on the Effectiveness of the State Senior High School Teacher Profession in the Riau Islands Province
No full textThe influence of human resource development, work environment, and innovation culture on the effectiveness of state high school teachers in the Riau Islands. This quantitative study used a survey with a population of all state high school teachers in the Riau Islands. The sample consisted of 30 trial respondents and 149 research respondents, selected using stratified random sampling techniques. The research instrument was a Likert scale questionnaire, and the data were analyzed using path analysis techniques. The results showed that the greatest influence was from human resource development (X1) on the profession effectiveness of teacher (X4), with a path coefficient of 0.811 and a contribution of 65.77%. The lowest influence was from the work environment (X2) on the profession effectiveness of teacher (X4) through a culture of innovation (X3), with a path coefficient of 0.356 and a contribution of 12.67%. In conclusion, there is a positive influence of human resource development, work environment, and innovation culture on teacher effectiveness. The implication is that the better the development of human resources, the work environment, and the more innovative the culture, the higher the teacher's. effectivenes
Implementation of School Culture-Based Character Education: A Multi-Site Study at SMA IT Darul Istiqamah Maros and SMAS Buq’atun Mubarakah Makassar
No full textThis study aims to describe and analyze the implementation of school culture-based character education through a multi-site study at SMA IT Darul Istiqamah Maros and SMAS Buq’atun Mubarakah Makassar. The focus of this research includes the primary character values being developed, the strategies for implementation, and the challenges encountered. This research utilizes a qualitative approach with a multi-site study design. Data was collected through observation, in-depth interviews, and documentation. The informants in this study included school principals, teachers, and students. The results of the study show that both schools focus on developing the character values of being religious, disciplined, independent, and responsible. Implementation strategies are dominated by the instillation of theory, modeling, and structured routine habituation. These strategies are proven effective in shaping student character; however, the implementation faces internal challenges such as the diversity of student backgrounds and the commitment of teachers , as well as external challenges including the influence of outside culture, particularly from gadgets, and a lack of consistent support from parents. This study concludes that the effectiveness of character education is highly dependent on the synergy of internal strategies and the ability to mitigate external challenges
The Phenomenon of Dropout Students in Oil Palm Producing Areas (Study on Children of Oil Palm Farmers in Sambas Regency)
No full textThe phenomenon of school dropout among children of oil palm farmers in Karaban Jaya Village, Subah Sub-district, Sambas District shows a complex problem that is not only related to economic aspects, but also influenced by social, psychological and infrastructure factors. This study aims to identify the factors that cause children of oil palm farmers to drop out of school and the impact on their social and psychological development. The research method used is qualitative with a case study approach, through field observations, in-depth interviews, and documentation. The results showed that low interest in learning, limited facilities for secondary education, poor road infrastructure, and the influence of an unfavorable social environment were the main causes. In addition, early symptoms such as inferiority towards outsiders, closed attitudes, low rationality, and laziness in developing themselves were found as strong indications towards the risk of dropping out of school. These findings underscore the importance of holistic interventions involving families, schools, communities and governments in preventing school dropout in palm oil producing villages. This research is expected to serve as a basis for the formulation of social and area-based education policies in order to guarantee children's right to equal and sustainable education
Developing and Validating Gamified English Teaching Materials to Enhance Achievement in Indonesian Elementary Schools
No full textThis study systematically investigates the design, validation, and effectiveness of gamified English teaching materials tailored for Grade 5 learners in Parepare, Indonesia, within the framework of a Research and Development (R&D) based on the Alessi & Trollip model, materials were developed in three phases: Planning (needs analysis), Design (module drafting), and Development (validation and pilot implementation). Sixty students across two schools participated in pre- and post-tests, expert validation (N=3), practicality surveys (teachers N=4; students N=60), classroom observations, and interviews. Experts rated content validity at 92%; practicality exceeded 85%; and paired-sample t-tests showed significant improvement from pre-test (M=61.35, SD=7.12) to post-test (M=80.21, SD=6.45), p<.001. These results confirm that integrating game elements such as points, badges, levels, and narrative quests can substantially enhance engagement and EFL achievement among young learners
Application Of Restorative Justice Towards Perpetrators Aggregated Theft Criminal Act At The East Oku District Prosecutor's Office (Determination Study No. R-1/L.6.21/Eoh.2/03/2025)
No full textThis research is motivated by the need for alternative approaches in resolving minor criminal cases involving perpetrators of aggravated theft, considering restorative justice as a means of achieving social recovery and participatory justice. The research method used is a qualitative approach with a case study type, employing data collection techniques such as interviews, documentation, and literature study. The results show that the implementation of restorative justice for perpetrators of aggravated theft at the District Attorney's Office of OKU Timur, based on Determination No. R-1/L.6.21/Eoh.2/03/2025, provides an effective and humane solution to resolve minor criminal cases by prioritizing the principles of restorative justice. This process successfully facilitated reconciliation between the perpetrator and the victim, met the victim's needs, fostered the perpetrator's sense of responsibility, and restored social relationships within the community. The inhibiting factors in implementing restorative justice include legal constraints, victim resistance, the perpetrator's lack of understanding, limited resources, and minimal community support. These obstacles indicate the need to strengthen the institutional capacity of the prosecutor's office, expand public legal education, and build more effective collaboration with other law enforcement agencies
The Effectiveness of Think Pair Share Cooperative Learning with the Assistance of Audiovisual Media for Chairil Anwar's Poem “Ibu” Listening to Poetry in Grade VIII at SMP Negeri 2 Sawangan
No full textThis research is a quantitative experimental study with the research topic on Indonesian language at SMP Negeri 2 Sawangan, namely poetry texts. This literary material is quite important for students to master because it is basic material in literature. The research design is a pretest-posttest group design in accordance with the objectives to be achieved. In this design, there are two classes, namely the experimental class and the control class. The objectives of this study are (1) to show that students taught using the think pair share (TPS) cooperative learning model assisted by audiovisual media and students taught using the conventional model have different learning outcomes in listening to poetry texts and (2) to show that eighth-grade students at SMP Negeri 2 Sawangan are more effective at learning poetry texts in the listening element with the think-pair-share (TPS) cooperative learning model assisted by audiovisual media. The results of the study indicate that applying the think-pair-share (TPS) cooperative learning model assisted by audiovisual media for Chairil Anwar's poem “Ibu” is more effective in improving the learning outcomes of eighth-grade students at SMP Negeri 2 Sawangan than applying conventional learning