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This study aims to analyze the spending patterns of students at the Faculty of Islamic Economics and Business (FEBI), State Islamic University of North Sumatra (UINSU), and to examine the implementation of personal financial planning in their daily lives. This research employs a qualitative approach using a case study method. Data were collected through in-depth interviews with 40 students from various departments and semesters, selected purposively. The findings indicate that most students have high expenditures on consumption needs such as food and internet access, as well as lifestyle expenses like online shopping and entertainment. The majority do not regularly prepare a financial budget, rarely record their expenses, and exhibit impulsive spending behavior influenced by social pressure and digital media. Although students possess theoretical knowledge of Islamic economic values, their practical application in financial management remains limited. This study recommends the need for more practical, Islam-based financial literacy programs within the FEBI UINSU environment. Financial training and mentoring programs are considered essential to enhance students' financial awareness and independence.

The development of the Internet of Things (IoT) has changed the paradigm of banking services by offering innovations in operational efficiency, security and customer experience. Despite this, IoT implementation in the banking sector faces significant challenges related to data security and infrastructure costs. This research aims to explore the impact of implementing IoT in banking services and to identify the opportunities and challenges faced in the current digital era. This research method involves case studies, in-depth interviews, and surveys to analyze the use of smart ATMs, wearable devices, security sensors, and smart queuing systems in various banking contexts. The analysis results show significant improvements in operational efficiency and customer satisfaction, while also highlighting challenges related to data security and implementation costs. The implications of this research include recommendations for further development in IoT technology in banking services, with a focus on enhanced data security and effective implementation strategies.

With the rapid development of Internet technology, many companies are now using the Internet as a major platform in their marketing strategy of skincare products, mainly through social media. The research aims to explore the factors that influence the intention of buying skincare products on the TikTok platform by considering the role of brand image as a moderation variable. The research method uses descriptive causality with a quantitative approach, and uses purposive sampling techniques. Primary data obtained from 267 respondents active TikTok users who were interested in skincare products and collected through online questionnaires. Data analysis is done using Structural Equation Modelling-Partial Least Square (SEM-PLS). Research findings show that social media marketing activities, online customer reviews, influencer endorsement, brand image can improve purchase intention, while price consciousness does not affect the purchase intent of skincare products on Tiktok platform. Implications, skincare manufacturers and marketers should pay attention to branding strategies on TikTok's platform to boost purchasing intentions. Further research is suggested to explore other factors that can influence the intention of buying skincare products in the digital age.

Indonesia faces challenges and opportunities in the digital era, where industry becomes a threat if human resources do not have sufficient skills to support this change. The digital industry offers great benefits if people have sufficient skills to engage in it. Many entrepreneurs have emerged in the digital era, generating income through online businesses or e-commerce. The use of this industry can provide optimal benefits, especially because the needs of modern humans are fast-paced and practical. Even though many people use gadgets with an internet connection, being just a spectator without actively participating in the digital era can cause losses. Sidingkat Village, which is rich in natural resource potential, especially ibus plants, has not utilized the internet optimally for development and marketing. Karang Taruna youth in this village have free time that has not been used productively. The aim of this Real Work Lecture (KKN) is to develop marketing of ibus plants and provide an understanding of online marketing media to Karang Taruna youth. The method used is the Participation Action Research (PAR) approach, which aims to increase public awareness of the potential and problems they have, as well as providing solutions through change programs. Through this approach, it is hoped that young people can be more productive and use their free time more effectively in the digital era

Business transformation in the digital era requires an innovative marketing approach. One way is by utilizing the potential of the internet and information technology. This research focuses on the important role of landing pages in designing online experiences for consumers. The theoretical basis involves the concept of marketing transformation, landing page optimization, and the importance of brand awareness for waste collection services. The methodology used adopts a qualitative approach with a case study in Karung Sampah. Data is collected through observation and analysis using third parties, namely Google Search Console and Google Analytics. It was found that responsive design, relevant content, and social media integration played an important role in the success of the campaign (brand awareness)

This rapid development of technological knowledge can help humans fulfill the new order of civilization in the era of technology that was created to make daily work easier. Computers are not only used as electronic typewriters but have been used to increase work and business productivity. An information system is a system that provides information for the decision-making process at every level in an organization. Network users control what they do through graphical applications prepared for the user. All data including electronic mail (e-mail), databases are stored on the server. Special servers for the internet or even for certain internet functions are the heart of information on the internet. Getting many benefits from the internet, for example reducing communication costs, improving communication and coordination skills, distributing knowledge and providing facilities for e-business or e-commerce, including reducing communication costs. In this article the author explains the implementation of the internetworking concept (internet and extranet), the benefits of using each and the development that can be carried out from the internetworking concept, components and forms of application of the internetworking.

The younger generation is the largest group of internet users, they are the first generation to grow up with computers, the internet, smartphones, online social media and online shopping. They tend to have similarities in their online shopping behavior. This research aims to analyze the behavior and preferences of the younger generation towards e-commerce and their opinions regarding demands for the closure of e-commerce by some people in Indonesia. This research is quantitative research using a questionnaire method with 22 respondents aged 17-25 years and from high school students to university students. The findings of this research show that the younger generation is more likely to use e-commerce for shopping and tends to reject demands to close e-commerce by some members of society. The implication of this research is that e-commerce must improve service quality, user experience, and transaction security to meet the needs and expectations of the younger generation.

PT. Admiral Lines Belawan Branch is a company that operates owned vessels and is also engaged in agency services. In the sense of representative of the ship owner / principle for processing documents at the port for both arrival and departure of the ship. Ports as arrival and departure terminals for ships and cargo need to provide adequate facilities and services so that ships can be served smoothly and efficiently. Managing the arrival and departure of a ship more smoothly and efficiently cannot be separated from an application called the INAPORNET system. The position of the port as the gateway for a ship entering/leaving the port, especially from within the country or abroad or vice versa, must obtain approval from the authorized agencies at the port, such as the Harbor Master's Office and Port Authority (KSOP), Health Quarantine, Customs and Excise, Immigration. This notification is to ensure that the ship and its cargo entering/exiting the port have complied with the provisions of applicable laws and conventions. Management of the needs and interests of ships and their cargo is carried out by shipping company branches such as PT. Belawan Branch Line Admiral. In writing this paper the author used methods, literature and the internet.