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The purpose of this community service activity is to increase knowledge for mothers at the Garuda 04 Posyandu in Harapan Jaya Bekasi on how to use income to manage a balanced life between the needs of early childhood or toddlers and family needs. The results show that most members of the Garuda 04 Posyandu do not understand properly and correctly how to manage family income properly and correctly from the financial income they earn, such as the difference between needs and wants, budgeting, and the importance of saving and managing the fulfillment of toddler needs for the children they have. The training was conducted in one day with a participatory-educational approach and socialization. This method includes providing materials, group discussions, simulations, and reflections from each individual. The activities showed high active participation from participants and were actively involved in the discussions that were carried out. This socialization provides evidence that an experience-based approach can effectively increase understanding and awareness of the importance of financial management that they are facing.

Public finance is a key element in state governance, especially in the collection and allocation of funds for public services and government. In the Islamic tradition, the concept of public finance has developed since the time of the Prophet Muhammad SAW with sharia principles such as justice, transparency, and accountability to achieve prosperity (falah) in the world and the hereafter. In the modern era, Islamic public finance faces new challenges and opportunities, especially through digitalization and economic globalization. Technologies such as blockchain and big data open up opportunities to increase the effectiveness and openness of Islamic public financial management. Innovations in sharia financial instruments such as zakat, waqf, and sukuk further strengthen the contribution of Islamic public finance to social and economic development. However, challenges such as low public understanding of sharia finance, gaps in access to technology, and the need for supporting regulations and infrastructure are still obstacles. Issues of fiscal sustainability, debt management, and the development of adaptive sharia instruments are also important concerns in the dynamics of the global economy.

Credit Union (CU) Mandiri is one of the cooperative-based microfinance institutions that plays an important role in improving the economic welfare of the community in Pematang Siantar. This study aims to analyze the contribution of CU Mandiri in empowering its members through savings and loan programs, financial literacy training, and micro-business development. The method used in this study is a descriptive qualitative approach, with data collection techniques through interviews, observations, and documentation studies. The results of the study show that CU Mandiri not only provides affordable financing access for low-income communities, but also increases the awareness and ability of its members to manage their finances independently. Through cooperative principles such as solidarity and active participation of members, CU Mandiri has succeeded in creating an environment that supports local economic growth. However, challenges such as low financial literacy and limited capital are still obstacles that need to be addressed systematically.

Energy efficiency in air conditioning systems is a critical factor in reducing energy consumption and environmental impact. This study aims to analyze the energy performance of an air conditioning system using the thermodynamic cycle method. The analysis focuses on the refrigeration cycle, particularly the vapor compression cycle commonly used in residential and commercial systems. Key parameters such as coefficient of performance (COP), refrigerant flow rate, and enthalpy at each cycle point were examined to determine overall efficiency. Data were collected through simulations and experimental measurements under standard operating conditions. The results show that optimizing system components, especially the compressor and expansion valve, can significantly improve energy efficiency. The COP increased by 12% when a high-efficiency compressor was utilized. In addition, the selection of eco-friendly refrigerants contributed to better thermal performance and reduced environmental risks. This research highlights the importance of thermodynamic analysis in designing and improving air conditioning systems for sustainable energy usage. Future studies are recommended to incorporate real-time monitoring and adaptive control systems to further enhance system performance and energy savings.

The purpose of this community service is to educate the concept of Waste Bank, Green Economy, and Circulating Money to the community in Medan Belawan District. The specific target in this community service is that the Berkah Waste Bank workers in Medan Belawan Subdistrict know what Waste Bank, Green Economy, and Money Circulating to the Community in Medan Belawan Subdistrict, how to apply them to become household income opportunities, for example by becoming a new source of income from saving household waste that has been applied so that they can read the economic and environmental problems that occur. The materials presented in this community service are: what is a Waste Bank, Green Economy, and Circulating Money, how the impact of the Waste Bank on income from household waste. Which is related to improving household welfare through community knowledge / understanding related to Waste Bank, Green Economy, and Circulating Money. From this community service, the results show that with the existence of the Waste Bank, the application of the Green Economy concept can be seen from the collection of household waste easily collected at the Waste Bank, the community becomes a customer, has savings, withdraws money, then continues consumption shopping from the money, which means there is buying and selling activity in the market because there is money circulating in the community. This affects economic activity in the Medan Belawan sub-district.

Compared to other Islamic financial institutions, Islamic cooperatives are one type of financial institution that is still less known in the community. This can be seen from the lack of familiarity of the term sharia cooperative to our society. This research is a qualitative research, in accordance with the object of study, this type of research is included in the category of library research, which is a systematic approach to collecting, analysing, and evaluating relevant information from various academic sources. By 2022, there were 3,912 active sharia savings and loan cooperatives (KSPPS) in Indonesia. This indicates a significant expansion in the number of Islamic cooperative institutions during this period when compared to the previous period, when there was a Covid-19.There needs to be an Islamic cooperative development strategy in Indonesia in order to optimise the role of Islamic cooperatives in improving the MSME sector in Indonesia.The element of need that is the main key in the development strategy of Islamic cooperatives in Indonesia to improve MSMEs is the need for strong support in the legal aspects of Islamic cooperatives (positive law and sharia law).

Clean living behavior can be done by maintaining the sustainability of life can be done by reducing waste, saving energy, planting trees, and not littering. Waste sorting can be done by separating organic and inorganic waste into different trash bins. In addition, inorganic waste can also be separated again based on its type, such as plastic, paper, glass, and metal. Facilitates the process of collecting and processing waste for recycling. The Principles of Clean and Healthy Living Behavior (PHBS) recommend the use of waste sorting methods. The daily habits that we do to maintain personal and environmental cleanliness consist of this behavior. . Along with the emergence of various diseases that often attack children aged 6-12 years, PHBS in schools is a collection of behaviors carried out by students, teachers, and school residents based on learning so that they are able to independently prevent disease, improve their health. Implementation of better waste sorting practices can reduce the negative impact of waste on the environment, increase the efficiency of waste management, and provide long-term benefits for school residents. Schools are one of the places that have great potential to educate students about good waste management. SD Negeri 2 Kelusa has problems related to the lack of student knowledge about waste sorting and utilization, especially organic waste. Most students at SD Negeri 2 Kelusa still have limited understanding of the types of waste and how to process it. Most students do not realize and understand that organic waste can be reused, so they tend to throw it away with other waste.

The objective to be achieved from this research is to find out how financial performance is assessed using financial reports carried out by the CU Damai Sejahtera Savings and Loans Cooperative. The aim to be achieved from this research is to find out how financial performance is assessed using financial reports carried out. This research uses quantitative research methods. Quantitative research methods are methods that use number calculations which will later be used to make decisions in solving a problem. Here, researchers use quantitative research methods because this research explores the phenomenon of Financial Report Analysis as a Basis for Financial Performance Assessment (Case Study: CU Damai Sejahtera Savings and Loans Cooperative). In taking this research, researchers used the Saturated Sampling Technique. Saturated sampling technique is a sampling technique that uses all members of the population as samples. Therefore, this research uses the entire population as a sample, namely the financial reports of the CU Damai Sejahtera Savings and Loans Cooperative for 3 years, namely 2020-2022. Based on research results in 2020, the financial performance of the CU Damai Sejahtera Savings and Loans Cooperative based on the Return On Assets (ROA) ratio in 2020-2022 is quite healthy. Based on the Net Profit Margin (NPM) ratio, the financial performance of the CU Damai Sejahtera Savings and Loans Cooperative in 2020-2021 shows healthy criteria and in 2022 shows very healthy criteria. Based on the Return On Equity (ROE) ratio, the financial performance of the CU Damai Sejahtera Savings and Loans Cooperative in 2020-2022 shows fairly healthy criteria.

In an era of increasingly tight business competition every year, employee performance is a determining factor in the success of the TAM Syariah Cooperative as a company engaged in savings and loan services, this cooperative offers various models of savings and loan agreements according to customer needs. To improve employee performance, good human resources are needed. This study aims to analyze two important aspects of the performance of TAM Syariah Cooperative employees, namely the influence of work discipline and leadership on employee performance. The method used in this study is a quantitative method, with an analysis tool using SMART PLS. The population of this study consisted of 46 employees, and the entire population was also used as a research sample through a saturated sampling method. The findings of this study reveal that work discipline and leadership each have a positive and significant influence on employee performance, indicating that improvements in both factors can have a positive impact on productivity and work effectiveness in the company

Tongkol fish is one of the abundant sources of animal protein and is easily found in coastal areas, including Pantai Amal Village. However, the utilization of tongkol fish by the community is still limited to traditional processing that is less varied. On the other hand, fellow students often face challenges in meeting daily nutritional needs due to economic limitations and instant consumption patterns that are low in nutrition. This study aims to develop innovations in processing tongkol fish into spicy shredded fish as an economical, nutritious, and practical food solution. The research methods include the production process, taste testing, and analysis of production and consumption costs. The results show that spicy shredded fish has a high protein content, a taste that consumers like, and a fairly long shelf life so that it is suitable as a daily food stock. In addition, this product is proven to be more economical than consuming fast food, so it is effective in helping students from out of town manage their expenses while meeting their nutritional needs. This innovation also has the potential to increase the added value of tongkol fish and support local food security in coastal areas.

This study aims to evaluate the performance of KSP Satria B Cilongok using the Malcolm Baldrige Framework for Performance Excellence. The research employed a qualitative descriptive approach with data collected through direct observation and in-depth interviews with the cooperative’s leadership on May 4, 2025. Analysis was conducted based on seven categories within the Malcolm Baldrige Excellence Framework. Findings indicate that KSP Satria B Cilongok has implemented visionary leadership, customer-focused service, data-driven management, and effective risk and workforce management. The cooperative’s performance continues to improve, demonstrated by stable growth in members, net income (SHU), and transaction volume. Furthermore, adherence to organizational ethics and transparency has been a key factor in building member trust. This study contributes by integrating the Malcolm Baldrige principles into the management of small to medium-sized savings and loan cooperatives in Indonesia, presenting a novel application of the framework in the local context

The scarcity of fuel that has an impact on the high selling price of fuel, then there needs to be an effort to save fuel in motor vehicles. The solution to this problem is to use renewable fuel, one of the renewable fuels is hydrogen gas. With the addition of renewable energy in the form of HHO gas (Hydrogen Hydrogen Oxygen) from water electrolysis. The purpose of this study was to determine the effect of the application of an electrolyzer on saving fuel consumption in motor vehicles. By using a quantitative method with an experimental research design to test the effect of two variables whether there is a change in the form of fuel savings before and after the installation of the electrolyzer tube. Based on the trials that the researcher has conducted, the results of the study were obtained, namely that the addition of an electrolyzer has an effect on the fuel consumption of 4-stroke motorcycles, both in static and dynamic tests. So with the addition of an electrolyzer, it will be able to save fuel consumption in motorcycles when compared to without using an electrolyzer    

This study aims to determine and analyze the key factors that influence and significantly contribute to online purchasing decisions among consumers in Manado City, North Sulawesi. The research adopts a quantitative approach with factor analysis as the main method of data analysis. Judgmental sampling was employed to select participants who have experience in online shopping. Based on the results, seven dominant factors were identified that affect consumer decisions when making online purchases. These factors include: (a) Consumer Limitations and Access, which refer to time constraints and limited access to physical stores; (b) Desire and Technology, highlighting the role of consumer interest and technological literacy; (c) Product and Price Limitations, involving the lack of product variety and pricing differences; (d) Flexibility, which represents the freedom to shop anytime and anywhere; (e) Efficiency, such as time and cost savings; (f) Convenience, referring to the ease of the purchasing process; and (g) Economy and Social, which include discounts, promotions, and social influences. The study contributes to a better understanding of consumer behavior in digital commerce and provides useful insights for businesses and marketers to improve online customer experiences, particularly in regional markets such as Manado. The findings underscore the multidimensional nature of online shopping behavior in a rapidly growing digital economy.

This research explores the strategic positioning of Pegadaian UPC Ajibarang’s products using the Boston Consulting Group (BCG) matrix as a tool for evaluating market performance and future potential. Pegadaian plays a crucial role as a microfinance institution by offering accessible financial solutions such as gold/jewelry pawning, gold savings (digital and physical), installment-based precious metal purchases, electronic pledging, KUR based on vehicle ownership documents, and Hajj savings plans. The study employs a qualitative descriptive approach, gathering insights from comprehensive interviews with both employees and customers. Findings indicate that each product faces unique obstacles and opportunities. Key challenges include customer dissatisfaction regarding service quality, limited adoption of cashless transactions by elderly clients, and traditional promotional methods relying on brochures and word-of-mouth. By mapping products based on market share and growth prospects through the BCG matrix, the study identifies which offerings should be prioritized for development, stability, or rebranding. In response, it is recommended that Pegadaian UPC Ajibarang enhance its marketing and customer service strategies, broaden digital engagement efforts, and introduce user-friendly technological solutions for older clientele. These steps are essential to strengthen competitiveness and ensure long-term sustainable growth for their most promising financial products.

Production facility layout design is an important part that must be considered in an industry. Banjarsengon coffee house is one of the coffee suppliers in Jember with product types such as robusta and arabica coffee from the Argopuro mountains. The purpose of the research is to reduce material handling costs generated by the industry in order to produce the most optimal costs, and design a proposed layout as an alternative to help reduce material handling costs. This industry processes its products from upstream to downstream so that it has 2 production sites, namely the production house and Cafe Rumah Kopi Banjarsengon. The research was conducted with an interview approach to key informants and continued by calculating material handling costs and the Craft method. The results showed that the initial layout of Banjarsengon Coffee House resulted in material handling costs of Rp. 534,437 and after iteration through the Craft Method, an alternative layout was obtained that resulted in more efficient material handling costs of Rp. 464,302. This shows that there is a material handling cost savings of 13.1% or Rp. 70,135.

This study looks at bad debt resolution strategies and their effect on the financial performance of Semerbak Citra Wangon Saving and Loan Cooperative (KSP) using the SPACE Matrix technique. The financial stability of cooperatives is severely threatened by bad debts, which can reduce liquidity and profitability. The four main dimensions of the SPACE Matrix approach - industry strength (IS), environmental stability (ES), competitive advantage (CA), and financial strength (FS) - were used to evaluate the cooperative's strategic position. The conclusion of the analysis, which places the cooperative in the aggressive quadrant (coordinates 5.00, 2.67), indicates that the cooperative has significant internal strengths and outward growth potential. Some recommended strategies include improved market segmentation, longer loan periods, liability restructuring, and lower interest rates. These strategies are expected to improve the cooperative's long-term financial stability and reduce the likelihood of bad debts.

The purpose of this community service activity is to improve the knowledge of SMA Islam Andalusia Banyumas students about finance and teach them to use money wisely and independently starting from adolescence. The results showed that most students did not understand the basic concepts of financial literacy, such as the difference between needs and wants, budgeting, and the importance of saving. The training was conducted in one day with a participatory education approach. This method includes providing materials, group discussions, budgeting simulations, and individual reflections. This activity was attended by 80 students. The assessment results showed an increase in the average score from 52.4 in the pretest to 81.1 in the posttest. This activity also showed high active participation, with more than 88% of students actively involved in discussions and group assignments. This training proves that an experience-based approach can effectively improve students' understanding and awareness of personal financial management. Financial literacy instilled since high school has the potential to form a character of thrift, responsibility, and independence in facing future financial challenges

This study aims to analyze the role of personal financial management as an intervening variable in the influence of financial knowledge and financial attitudes on saving ability, for Accounting Study Program students in Surabaya. Using quantitative methods with a survey approach, data were collected through questionnaires distributed to 100 respondents. Data analysis was done by regression and path analysis. The results showed that Financial Knowledge did not have a significant effect on Personal Financial Management, while Financial Attitudes had a positive and significant effect. Financial Knowledge also has no significant effect on Saving Ability, while Financial Attitude has a positive and significant effect. Personal Financial Management has a positive effect on Saving Ability and acts as an intervening variable that strengthens the relationship between Financial Attitude and Saving Ability. This study concludes that Financial Attitude is more influential than Financial Knowledge on Saving Ability. The findings provide insights for educational institutions to focus on developing positive Financial Attitudes and suggest the integration of practical financial education in the curriculum.

This study aims to analyze the business condition of BMT Bahtera in entering the market of the syariah financial services industry using a General Electric Matrix approach. The method used in this study was in-depth interviews with the internal informant from BMT. The research result shows that BMT Bahtera’s strength is on the digitalization services, Human Resources competencies and saving and financing products innovation. Despite recently entering the Purwokerto territory, the business is growing with high potential market share using direct promotion strategy and effective institutional cooperation.

The Community Service program with the title "Counting to Save: Students’ Role in Water and Electricity Efficiency in Schools" aims to increase the awareness and skills of SD YPK 18 FJS Rumainum Bakaro students regarding the efficient use of natural resources, especially water and electricity. This activity involved students from grades I to VI, as well as students and lecturers from the University of Papua. The method used was a fun game-based educational approach, with material covering the efficient use of water and electricity and the application of math skills in calculating the consumption of these resources. The results of this activity showed that students were enthusiastic about participating in the activities and were able to understand and apply ways to save water and electricity. Through this approach, it is hoped that students will not only become agents of change in the school environment, but also be able to transmit these resource-saving habits to their families and surrounding communities. This activity makes a real contribution to efforts to create environmentally friendly habits and resource efficiency from an early age.