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A study on the challenges of pension fund literacy and inclusion in Indonesia concluded that the average level of pension fund literacy in the period 2013 - 2025 only reached 18.08%, while the average level of inclusion in that period only reached 4.23%. The level of pension fund literacy and inclusion in Indonesia is low. In SNLIK 2025, the pension fund literacy rate was 27.79%, while the pension fund inclusion rate was 5.37%. Compared to the 2022 pension literacy rate of 30.46% and the 2022 inclusion rate of 5.40%, this means that pension literacy and inclusion rates are declining. It can be said that out of 10 Indonesians, only 2.7 people “understand” pension funds and only 0.5 (half) people “have” pension funds. This means that for every 10 Indonesians, less than 1 person has a pension fund. Low pension literacy and inclusion has a direct impact in the form of 1) an older generation at risk of poverty or financial dependence on children/family, 2) a continuing sandwich generation cycle, 3) stagnant growth of the pension fund industry, 4) low public trust, and 5) the emergence of public skepticism towards pension funds in the future.

Bima Regency public awareness regarding driving discipline is still low, this is due to the high number of accidents caused by several factors including underage children driving, drivers not wearing helmets, reckless driving, and running red lights, of course this requires a role. important for the Transportation Service, especially the special division for traffic. This research aims to determine the role of the Transportation Department in improving driving discipline in Bima Regency and the factors that influence driving discipline in Bima Regency.The research is a qualitative descriptive study using primary data and secondary data. Primary data in this research was obtained from interviews conducted in the traffic sector and direct observation at the Bima Regency Transportation Service, while secondary data in this research were laws, articles, journals, previous research and so on, which became supporting data for the research after primary data.The results of the research show that in carrying out the duties of the transportation service in improving driving discipline in Bima district, efforts have been made and implementing policies to increase driving awareness, including carrying out patrols, raids, road security, outreach to the community and schools. The main factor that influences driving discipline in Bima Regency is knowledge of traffic rules and coupled with very hot weather conditions which make drivers less focused and aware of the road and traffic rules.

The aim of entrepreneurship education is to develop attitudes, enthusiasm and the ability to create something of value for oneself and others. Creative, innovative, independent, leadership, good money management and never giving up are entrepreneurial attitudes that must be instilled in children from an early age. As followers of the Prophet Muhammad SAW we need to learn from his figure as an entrepreneur. Where in his journey as an entrepreneur, Rasulullah successfully proved that to start a business one does not have to have money first, there are other elements that are more important than that, namely that one must have the right entrepreneurial mentality. The purpose of this article is to analyze the importance of entrepreneurship education instilled from elementary school age in an Islamic perspective. This research uses a qualitative method with a literature-based approach. Qualitative research relies on the collection and analysis of non-numerical data (such as text, video, or audio) to understand concepts, opinions, or results. Entrepreneurship education taught at elementary school level is believed to be able to reduce children's consumption habits, train them to create something of value and give birth to the next generation to create jobs in the future.

Entrepreneurial interest is the desire, interest and willingness to work hard or the strong will to be independent or try to fulfill one's life needs without feeling afraid of the risks that will occur, as well as the willingness to learn from failure. This is the background for researchers to examine more deeply the influence of entrepreneurship courses on interest in entrepreneurship in entrepreneurship programs among students in the Early Childhood Education Study Program. This research uses a qualitative descriptive type of research with the research subjects being Early Childhood Education Students. Data collection tools include observation and interviews. The results of the research that we got were that program students were very interested in entrepreneurship when they finished their bachelor's degree because entrepreneurship in everyday life can be applied to early childhood teachers where when they teach at school they can do side jobs such as work online or sell online and then create entrepreneurial products that can increase their business.