KONSEP RELATION INFERRED SELF EFFICACY DALAM AL-QUR’AN (TELAAH TAFSIR MAUDHU’I)

Universities preparing graduates for technology-enabled financial services need to understand how digital learning conditions relate to students’ career readiness. This study examines the associations of university-based Digital Financial Learning Ecosystem Quality with perceived FinTech Career Readiness among Vietnamese business students. Drawing on Social Cognitive Theory and Social Cognitive Career Theory, ecosystem quality is modelled as a reflective–formative higher-order construct comprising Digital Academic Support, the Digital Learning Environment, and Digital Teaching Innovation. Cross-sectional survey data from 341 students recruited through nonprobability convenience sampling via networks centred on northern Vietnam were analysed using partial least squares structural equation modelling and a disjoint two-stage procedure.All three ecosystem dimensions made significant formative contributions, with the digital learning environment showing the largest estimated weight. Higher ecosystem quality was positively associated with self-efficacy and learning motivation, and self-efficacy was positively associated with motivation. Motivation and career orientation were positively associated with perceived readiness, with motivation having the larger estimated direct coefficient. Career orientation showed no significant additional association with motivation after accounting for ecosystem quality and self-efficacy. Ecosystem quality was indirectly associated with readiness through motivation and through the sequential pathway involving self-efficacy and motivation. The model explained 41.5% of the variance in perceived readiness.The study contributes an integrated operationalisation of university-based digital financial learning quality and distinguishes learning-related associations from those of career orientation. The findings inform potential priorities for coordinating digital platforms, relevant financial content, academic support, practical learning, and competency-based career guidance. For universities and financial institutions, the study offers evidence to guide collaboration on graduate preparation and a foundation for evaluating how perceived readiness relates to demonstrated workplace competence.

This study aims to analyze the role of school principal leadership in shaping students’ character of discipline, responsibility, and independence at SMP Negeri 4 Pekanbaru. This research employed a qualitative phenomenological approach involving 16 participants consisting of one school principal, five teachers, and ten students, selected through purposive sampling based on their involvement and understanding of the research phenomenon. Data were collected through observation, in-depth interviews, and documentation, and analyzed using data reduction, data display, and conclusion drawing. The findings indicate that school principals play a crucial role in character formation through exemplary leadership, integration of character values into the school vision and mission, habituation programs, routine activities, supervision, and continuous evaluation. The strategies implemented include effective communication, motivation and appreciation, enforcement of school regulations accompanied by guidance, and collaboration with teachers, parents, and the community. Character development is supported by the principal’s commitment, involvement of school members, extracurricular activities, and family and community support. However, several challenges remain, including limited student awareness, insufficient parental supervision, peer influence, and uncontrolled use of technology and social media. This study highlights the importance of transformational and collaborative leadership in creating a school environment that supports sustainable student character development.

This study examined technological self-efficacy and classroom technology use among early childhood teachers at Cabangahan Elementary School, Siaton, Negros Oriental. Employing a quantitative descriptive-correlational design, the researchers collected self-reported data from five teachers using an expert-reviewed, Google Forms questionnaire. Descriptive frequencies, percentages, and five-point weighted means were used to characterize teachers’ profiles, basic technology skills, confidence in pedagogical integration, troubleshooting ability, frequency of technology use, diversity of digital tools, and perceived effects on children’s learning and engagement. The reported mean scores were 4.56 for basic technology skills, 4.56 for pedagogical integration, and 4.52 for technical troubleshooting, all interpreted as highly confident. Classroom technology use was rated 4.60 for frequency, 4.16 for diversity of tools, and 4.76 for perceived learning engagement. The study reported a very strong positive Pearson correlation between self-efficacy and classroom technology implementation (r = .94); no corresponding significance test was provided. Results suggest that the participating teachers perceived themselves as technologically capable and frequent users of digital resources, although the range of tools used was comparatively limited. The proposed action plan prioritizes device access, technical support, targeted professional learning, and classroom monitoring. Given the five-person, single-school sample and reliance on self-report, the findings should be interpreted as local descriptive evidence, not as proof of causal effects on children’s outcomes.

This study aimed to examine the role of self-efficacy and pressure of coach expectations in predicting the performance of adolescent athletes. This study used a cross-sectional survey design involving 142 athletes aged 16–19 years from regional and national sports clubs. Data analysis included Pearson correlation test, independent-samples t-test, and multiple linear regression. The results showed that self-efficacy was positively and significantly associated with athlete performance, while coach expectation pressure was negatively and significantly related to athlete performance. In addition, there were differences in performance by gender, with male athletes reporting higher performance scores than female athletes. When gender was included as a control variable in the regression model, self-efficacy and coach expectations pressure remained significant predictors of athlete performance. Overall, these findings suggest that internal psychological factors and pressures from the sports environment play a role in explaining variations in adolescent athlete performance. This study emphasizes the importance of strengthening self-efficacy and the application of realistic and supportive expectations of coaches in the process of coaching athletes. Further longitudinal research is needed to examine this relationship in more depth.

Instilling a sense of responsibility is a fundamental component of character education, particularly when the values taught at school are not fully reflected in students behavior. This issue has been observed at SMP Sepuluh Nopember Sidoarjo, specifically regarding the fulfillment of academic tasks and obligations, adherence to school rules, and students’ awareness of their own actions. This study aims to describe and analyze how a sense of responsibility is fostered through learning contracts and morning routines. A descriptive qualitative approach was employed. Data were collected via non-participant observation, in-depth interviews, and document analysis. Participants were selected through purposive sampling and included the vice-principal for academic affairs, the vice-principal for student affairs, social studies teachers, and eighth-grade students. Data analysis followed the Miles and Huberman model, encompassing data collection, reduction, presentation, conclusion drawing, and verification. Data credibility was ensured through triangulation and participant validation. The findings indicate that learning contracts instill academic responsibility by establishing agreements regarding rules, assignment deadlines, and the consequences of non-compliance. Simultaneously, morning routines provide students with opportunities to develop a sense of responsibility through structured activities, such as morning prayers (duha), morning prayes, Quran recitation review and calisthenics. These two strategies complement each other in promoting the fulfillment of obligations and commitments, as well as enhancing student self-awareness. Because the development of a sense of responsibility varies among students, it requires ongoing support and encouragement. ABSTRAK Penanaman karakter tanggung jawab merupakan bagian penting dalam pendidikan karakter, terutama nilai-nilai yang ditanamkan di sekolah belum sepenuhnya tercermin dalam perilaku peserta didik. Permasalahan tersebut ditemukan di SMP Sepuluh Nopember Sidoarjo, khususnya dalam pelaksanaan tugas dan kewajiban pembelajaran, kepatuhan terhadap aturan, serta kesadaran peserta didik dalam bertindak. Penelitian ini bertujuan untuk mendeskripsikan dan menganalisis implementasi penanaman karakter tanggung jawab melalui kontrak belajar dan pembiasaan pagi. Penelitian menggunakan pendekatan kualitatif dengan jenis deskriptif. Data diperoleh melalui observasi non-partisipatif, wawancara mendalam, dan dokumentasi. Informasi dipilih menggunakan teknik purposive sampling, meliputi Wakil Kepala Sekolah bidang Kurikulum, Wakil Kepala Sekolah bidang Kesiswaan, guru mata pelajaran IPS dan peserta didik kelas VIII. Analisis data menggunakan model Miles dan Huberman melalui tahapan pengumpulan data, reduksi data, penyajian data, serta penarikan kesimpulan dan verifikasi. Kredibilitas data diperiksa melalui triangulasi dan member check. Hasil penelitian menunjukkan bahwa kontrak belajar menanamkan tanggung jawab akademik melalui kesepakatan mengenai aturan, batas waktu pengumpulan tugas dan konsekuensi pelanggaran. Sementara itu pembiasaan pagi memberikan kesempatan kepada peserta didik untuk mempraktikkan tanggung jawab melalui kegiatan terjadwal, seperti salat duha, doa pagi, murajaah, dan senam. Kedua strategi tersebut saling melengkapi dalam mendukung pelaksanaan kewajiban, kepatuhan terhadap kesepakatan, serta kesadaran peserta didik. Perkembangan karakter tanggung jawab belum merata sehingga memerlukan pendampingan dan penguatan secara berkelanjutan.

ایجاد حس مسئولیت‌پذیری، به‌ویژه زمانی که ارزش‌های آموزش‌داده‌شده در مدرسه به‌طور کامل در رفتار دانش‌آموزان منعکس نمی‌شود، جزء اساسی آموزش شخصیت است. این مسئله در مدرسه متوسطه اول ده نوامبر سیدوارجو، به‌ویژه در زمینه انجام تکالیف و وظایف تحصیلی، پایبندی به قوانین مدرسه و آگاهی دانش‌آموزان از اعمال خود مشاهده شده است. هدف این مطالعه توصیف و تحلیل چگونگی پرورش حس مسئولیت‌پذیری از طریق قراردادهای یادگیری و روتین‌های صبحگاهی است. از یک رویکرد توصیفی-کیفی استفاده شد. داده‌ها از طریق مشاهده غیرمشارکتی، مصاحبه‌های عمیق و تحلیل اسناد جمع‌آوری شدند. شرکت‌کنندگان با استفاده از نمونه‌گیری هدفمند انتخاب شدند و شامل معاون آموزشی، معاون پرورشی، معلمان علوم اجتماعی و دانش‌آموزان پایه هشتم بودند. تحلیل داده‌ها بر اساس مدل مایلز و هیبرمن، شامل جمع‌آوری داده‌ها، کاهش داده‌ها، ارائه داده‌ها، نتیجه‌گیری و اعتبارسنجی بود. اعتبار داده‌ها از طریق سه‌گانه‌سازی و اعتبارسنجی با مشارکت‌کنندگان تضمین شد. یافته‌ها نشان می‌دهد که قراردادهای یادگیری با ایجاد توافق‌هایی در مورد قوانین، مهلت تحویل تکالیف و پیامدهای عدم پایبندی، مسئولیت‌پذیری تحصیلی را در دانش‌آموزان تقویت می‌کنند. همزمان، روتین‌های صبحگاهی فرصت‌هایی را برای پرورش حس مسئولیت‌پذیری از طریق فعالیت‌های ساختاریافته مانند نماز صبح، اذان صبح، مرور قرآن و ورزش صبحگاهی در اختیار دانش‌آموزان قرار می‌دهند. این دو استراتژی در ترویج انجام وظایف و تعهدات و همچنین افزایش خودآگاهی دانش‌آموزان مکمل یکدیگر هستند. از آنجا که توسعه حس مسئولیت‌پذیری در میان دانش‌آموزان متفاوت است، نیاز به حمایت و تشویق مستمر دارد.