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Global changes in the world of financial technology have affected and affected the world of banking and national financial services. Starting from banking, capital markets, financial institutions, financial services and the existence of consumers themselves, both directly and indirectly. The development of financial technology must be an aspect that the OJK needs to pay attention to and anticipate. Because this global change will have a direct or indirect impact on the domestic situation or the structure of financial services. and the efficiency of financial services, known as Financial Technology or Fintech (P2P lending), which is growing rapidly in Indonesia, the advantages of borrowing and borrowing money through P2P-lending services another is that the terms are very easy and the process is fast compared to borrowing money through a bank institution. However, the ease of transactions offered by P2P-lending services actually weakens the position of consumers. Problems 1). Does online lending fulfill a sense of benefit for consumers?, 2). How is the application of the concept of utilitarianism to realize fintech (Financial Technology) consumer protection. The aim is to find out how the benefits of fintech (financial technology) are for consumers.

This paper analyzed the influence of provision of education recreational materials on the participation and attendance rate of internally displaced children in 8 selected internally displaced people (IDP) sites with accelerated learning programs (ALP) out of 26 sites camping in Mekelle, Tigray using mixed research type and sequential explanatory design.  Sequential mixed methods sampling was used to select 8 IDP sites for quantitative conveniently and 4 IDP sites for qualitative purposefully. The data collected from secondary and primary sources have been analyzed using paired samples statistics and T tests in the quantitative part and using thematic descriptions in the qualitative part. The study revealed that the provision of educational recreational materials to children in ALPs significantly increases the participation and attendance rate of the ALP children for which the mean of the attendance rate after provision (M = 68.50) is greater than before provision (M = 59.25), and T tests t(7) = -9.839, p = .000,  p < 0.05 which is also supported by the qualitative result that students, teachers and parents  also assured that. As a result, the provision of educational recreational materials to ALP children has a significant influence on their participation and attendance rates. This recommends governments, philanthropists, local and international humanitarian and development agencies, and others to initiate with this intervention and conduct further study on how it meets the cognitive, psychosocial, and developmental needs of the children beyond its influence on participation and attendance rates of children attending education in emergency programs.

Social media has become an important channel for communicating family planning policy in Vietnam. Local governments in this country are using it as the primary channel to spread family planning messages in remote areas. To add to the evidence of previous studies on the role of social media in policy communication, to enrich the research literature, and to make policy recommendations to the Government of Vietnam, this study explores The impact of family planning messages via social networks on family planning behavior. This study was conducted through a cross-sectional survey using an intentional sampling technique (n=200). A multivariable linear regression model was applied to test the hypothesis. Research results show that the factors of attitude to social networks, awareness of family planning messages, and behaviors for family planning have a positive and meaningful relationship with readiness for family planning. Furthermore, the factor awareness of family planning messages has the most significant impact. This result implies that the government and family planning policymakers in Vietnam need to pay attention to social networks and the recipients’ perception of family planning messages.

The transfer of land rights through buying and selling is an event or legal action that results in the transfer of rights from one legal subject to another from the seller to the buyer. In order for the buyer to get legal certainty, the deed of sale and purchase made by PPAT needs to be registered with the National Land Agency so that a land certificate is issued as the strongest evidence. Since the issuance of Presidential Instruction Number 1 of 2022, the government has added a requirement in the registration of buying and selling, namely requiring the public to become active participants of BPJS Health which actually burdens the community itself. This type of research uses normative legal research. Using statutory and normative approaches and using secondary and primary legal materials. The results of the study indicate that the Presidential Instruction Number 1 of 2022 has violated Article 28 H of the 1945 Constitution of the Republic of Indonesia.

The purpose of this research was to determine whether and how a metacognitive educational technique based on PEDDA (Prior knowledge, Exploration, Discussion, Dissatisfaction, and Application) will improve the performance of secondary school biology students in Delta State. The investigation was guided by three hypotheses and three research questions. The research used a quasi-experimental design with a non-equivalent pre-post test and control group setup. Students from the public secondary schools in the three (3) senatorial districts of Delta State were included in the research. A total of 30,813 SS II biology students and 436 overall participated. This research employed a sample of 300 SS II biology students and six biology professors from six different high schools in Delta State. Data was gathered using the researcher’s primary instrument, the Meta-Cognitive Biology Achievement Test (MBAT). Students in the experimental group were taught the biology concepts of “pollution,” “exploration of the different types of pollution,” “discussion on the causes of pollution as well as the effects of pollution,” “dissatisfaction with the experience,” and “application of the control measures for pollution” using a metacognitive instructional strategy, while students in the control group were taught using the lecture method. Statistical methods such as analysis of variance (ANOVA), analysis of covariance (ANCOVA), and mean and standard deviation (SEM) were used to compile and interpret the results (ANCOVA). It was shown that the metacognitive approach to teaching was more effective than the traditional lecture format. Furthermore, the research indicated that while using the metacognitive teaching technique, there was no statistically significant difference in the mean accomplishment scores of male and female students (PEDDA). The study’s results led to many recommendations, including the adoption of metacognitive teaching tactics by secondary school biology instructors to increase student engagement.