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This study investigates the influence of financial literacy and lifestyle on financial management among gym members at USB Fitness. Financial literacy refers to the ability to understand and apply financial concepts, while lifestyle encompasses spending patterns, consumption preferences, and daily habits. Low financial literacy combined with a high-consumption lifestyle can negatively impact personal financial management, potentially leading to poor budgeting, excessive debt, and limited savings.The research adopts a quantitative approach using a survey method, with data collected through structured questionnaires distributed via Google Forms. The population comprises 60 registered gym members, from which a sample of 52 respondents was determined using the Slovin formula with a margin of error of 5%. Data analysis techniques involve both partial (t-test) and simultaneous (F-test) hypothesis testing to assess the effects of the independent variables—financial literacy and lifestyle—on the dependent variable, financial management.The t-test results indicate that financial literacy has a positive and significant effect on financial management (t-count = 6.384 > t-table = 2.00958; p-value = 0.000 < 0.05), suggesting that higher financial literacy levels contribute to more effective personal financial practices. Conversely, lifestyle shows no significant effect on financial management (t-count = -0.013; p-value = 0.990 > 0.05), indicating that lifestyle variations among respondents do not directly determine their financial management capabilities.Simultaneous testing through the F-test reveals that financial literacy and lifestyle together have a significant influence on financial management (F-count = 21.333 > F-table = 3.191; p-value = 0.000 < 0.05). This suggests that while lifestyle alone may not significantly impact financial management, its interaction with financial literacy can influence financial outcomes.The study concludes that improving financial literacy among gym members is essential for enhancing financial management skills, while lifestyle modifications may only be impactful when supported by strong financial knowledge.

The lack of integration of ethical principles into corporate social responsibility (CSR) practices remains a common issue, posing significant challenges in building public trust and ensuring business sustainability. This study aims to examine how the implementation of business ethics can enhance the effectiveness of CSR within corporate environments. The research employs a literature review method, analyzing various academic publications, regulatory frameworks, and corporate reports relevant to business ethics and CSR. The findings reveal that consistent application of ethical values can deepen the meaning and impact of CSR initiatives, improve corporate reputation, and strengthen relationships with stakeholders in a more meaningful and sustainable manner.Nevertheless, several challenges persist, particularly in the form of organizational cultural differences and the suboptimal internalization of ethical principles into corporate systems and work culture. Therefore, strategic efforts are required to ensure that business ethics are not merely treated as normative concepts, but are truly embraced as core values in CSR practices aimed at achieving social and environmental sustainability.

This study aims to analyze the effectiveness of Direct Cash Assistance (BLT) in preventing poverty in the village of Sungai Jering. The background of this research problem is the high poverty rate, which is a major challenge for local governments in improving community welfare. The BLT program is expected to provide direct economic support to poor and vulnerable families. The theoretical concepts underlying this research include transparency, community participation, supervision, justice, and social security. The research method used is qualitative, allowing researchers to understand phenomena holistically and deeply. Data were collected through in-depth interviews, observations, and document analysis involving BLT beneficiaries and other related parties. The results of the study show that the BLT program in Sungai Jering has succeeded in increasing the purchasing power of the community and providing economic stability for recipient families. This success is marked by active community participation in the monitoring and implementation of the program, as well as high transparency in the distribution of assistance. However, to improve the program's effectiveness, support in the form of long-term sustainable economic empowerment programs is needed. In conclusion, BLT can be an effective tool in poverty alleviation strategies if implemented well, with high accountability and strong community involvement. With the right policies, this program is expected to become a model for other villages in managing social assistance effectively.

Indigenous villages are villages that have a unique capacity and charm, both in terms of geography, environment, and social and cultural life in the community. The purpose of this research is to analyze the governance system in the health, economic, and environmental fields of Cireundeu Traditional Village, a Traditional Village located in South Cimahi District. Cireundeu Traditional Village was able to get through the Covid- 19 pandemic and even now Cireundeu Traditional Village is growing. There are various factors that influence the development of Cireundeu Traditional Village, there are tourism development concepts that have been applied such as management, destination development, marketing development, and the role of stakeholders that can continue to be improved to achieve maximum goals. In this research, descriptive qualitative method is used by observing in the field and conducting direct interviews with the management of Cireundeu Traditional Village. The results of this study show that Cireundeu Tourism Village can maximize the potential that exists in its territory and is able to maintain various aspects of life during the Covid-19 pandemic and is able to continue tourism activities through collaboration between stakeholders.

This article describes the role of student creativity in creating innovative business opportunities. Through the exploration of creative ideas, students can be key drivers in identifying and developing untapped business opportunities. Understanding that creativity is the key to innovation, this article explains how students can apply their creative potential to create new and exciting business concepts. The focus lies on how creativity becomes a valuable resource to open doors to new opportunities, drive business growth, and make a positive contribution to the economy. By absorbing this approach, students are expected to see business opportunities as untapped fields of exploration, making creativity a catalyst for innovation in the world of entrepreneurship.

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.