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This research aims to examine the effect of the Debt to Equity Ratio (DER) on the stock value of PT. Ramayana Lestari Sentosa Tbk during the 2019-2023 period. Using quantitative analysis with dependent data obtained from the Indonesia Stock Exchange, the analysis shows that the company's DER was within a moderate range (35%-42%) throughout the study period. The results indicate a negative correlation between DER and stock prices; however, the effect is not significant when viewed partially. The decline in DER in 2023 reflects the company's efforts to strengthen its capital structure and reduce dependence on debt. These findings are expected to enhance investors' knowledge and support the company's operations in developing future financial and investment strategies.    

According to the Central Statistics Agency (BPS), the level of education and welfare in the family greatly influences the quality of human resources in Indonesia. Therefore, efforts to strengthen family functions, such as increasing parental education and social welfare programs, are key in accelerating national development. This increase in human resources includes knowledge and skills in processing agricultural products, especially rambutan fruit, crystal guava and longan into processed food products with higher selling value such as chips. Apart from that, this program also trains them in creative product packaging, marketing, bookkeeping, simple financial management, and the use of digital technology, including online learning applications and social media. With these skills, they are expected to be able to contribute to improving the family's economy, as well as opening up new business opportunities that support financial independence.

Although financial management is a vital life skill, many teenagers lack the knowledge and habits to make good financial decisions. This program aims to fix this by giving teens practical financial management skills and encouraging forward-thinking attitudes toward money.The primary goal is to help participants understand fundamental financial concepts such as budgeting, saving, investing, and debt management. To ensure engagement and practical application, the program uses a mixed-methods approach by incorporating workshops, interactive activities, and real-life case studies. Key findings show that participants' capacity to create budgets, save regularly, and make wise financial decisions significantly improved after completing the program. Additionally, the seminars raised awareness of the significance of financial planning for long-term objectives like business or higher education.This effort has broad ramifications as it helps create a generation of financially educated people who are better equipped to handle financial difficulties and take advantage of opportunities in the future. Similar initiatives in communities and schools throughout the world can be built around this paradigm.

This study uses a Qualitative approach by comparing it with a descriptive method through secondary analysis by reviewing various literatures that are in accordance with the topic of discussion taken. This journal article was created with the aim of providing a deeper understanding of Generation Z's investment interests by explaining and presenting them comprehensively.This study reveals that Bibit has succeeded in capturing Generation Z's interest in investing in a simple way and in line with sharia values, without requiring large capital or in-depth financial knowledge. However, this study also highlights limitations, especially regarding the diversity of sharia products and the need for more in-depth training for beginners. The findings show that although Bibit plays an important role as a relevant sharia education and investment platform for Generation Z, there is still room for further development.

In order to identify the elements that motivate young people to manage their finances, this study will examine a number of connected topics, including financial knowledge, financial attitudes, income, and religiosity. Primary data, which are questionnaires that are processed using SPSS 25, and secondary data that provide support are the sources of the study data. The findings demonstrated that financial knowledge and religiosity had an effect and were significant on financial management behavior, while financial attitudes and income did not affect financial management behavior.

Hawalah is a debt transfer method that originates from Islamic traditions and is increasingly relevant in the modern business context, especially in international transactions. The background of this research focuses on the importance of understanding and executing effective hawalah to overcome the challenges faced by business actors, such as multiplying exchange rates and payment risks. The aim of this research is to explore the implementation of hawalah in business and identify the factors that influence its effectiveness. The research method used is a qualitative approach, with data collection through in-depth interviews with business people and document analysis from related literature. The research results show that a deep understanding of the hawalah mechanism is very necessary, and information technology support has been proven to increase transaction efficiency and transparency. However, challenges related to data security and the lack of clear regulations are still obstacles. The discussion underscored the importance of education, collaboration with trusted financial institutions, and building trust between the parties involved in the transaction. Overall, hawalah has great potential to support economic growth, especially for small and medium businesses, with the right strategy and in-depth understanding. It is hoped that this research can contribute to the development of knowledge and business practices in the field of sharia economics.

This study aims to analyze the effectiveness of digital financial management training for Micro, Small, and Medium Enterprises (MSMEs) in Cibatu Village, South Cikarang. In the digital era, the ability to manage finances effectively is key for MSMEs to increase competitiveness in the global market. The method we used in this research is a quantitative approach with an experimental design, where participants were divided into a training group and a control group The results of the study showed a significant increase in digital financial management knowledge and skills after the training. In addition, participants also reported increased confidence in using technology for their business. The findings suggest that this training can be an effective strategy to empower MSMEs, encourage them to adapt to market changes, and expand their business reach at the global level. Recommendations for future research extend to the development of a more comprehensive training program as well as a long-term assessment of the impact of this training on MSME growth

The aim of this research is to determine the role of financial literacy in improving the economic well-being of individuals and the community as a whole, with a specific emphasis on the residents of Jambur Padang Matinggi. The ability to understand and use various financial skills, such as budgeting, investing, and personal financial management, is referred to as financial literacy. This study emphasizes the relationship between better economic stability and higher financial literacy among community members. According to information gathered through surveys and interviews, individuals with greater financial knowledge are more capable of making sound financial decisions, which in turn leads to increased savings and investments in local businesses. Furthermore, the results indicate that financial literacy programs can have a significant impact on overall community growth by encouraging saving habits and borrowing money wisely. The study underscores the importance of integrating financial literacy programs into community development strategies, especially in rural areas where financial education resources are limited. Therefore, enhancing financial knowledge emerges as a crucial component in improving the prosperity of both individuals and communities.

Islamic economic thought experienced significant development during the Islamic Golden Age, with Muslim scholars making major contributions to global economic knowledge. During this period, thinkers such as Al-Farabi, Ibn Khaldun, and Al-Ghazali introduced concepts focused on justice, social welfare, and a balance between material and spiritual needs. Through the translation of scholarly works, many Islamic economic concepts were transmitted to Europe, which was experiencing intellectual stagnation during the Dark Ages. This influence helped revive interest in economic thought in the West, particularly during the Renaissance. However, following the Islamic Golden Age, a substantial gap emerged in economic thought development between the Islamic world and the West. As the West progressed through the Industrial Revolution and the rise of capitalism, Islamic economic thought faced a period of stagnation. This article examines the historical development of Islamic economic thought, the impact of knowledge transmission from the Islamic world to the West, and the relevance of Islamic economics in addressing modern economic challenges such as social inequality, financial crises, and the need for a more ethical and sustainable economic system.

The milkfish pindang business in Junok Village, Sreseh District, Sampang Regency, is one of the leading businesses that is in great demand by the local community. However, this business has not developed optimally and is still limited to this area. For this reason, efforts are needed to optimize village downstreaming and access to sharia microfinance to support pindang milkfish production so that it can develop more widely and provide a greater economic impact for the community. This research aims to analyze the role of village government in optimizing these two things, as well as contributing to sustainable local economic development. The research method used is qualitative, with data collection techniques through in-depth interviews and observation. The research results show that the Junok village government has made various efforts to optimize village downstreaming, including training in milkfish cultivation, setting harvest schedules, and also plans to facilitate financing from sharia microfinance institutions (LKMS). Even though there are several obstacles, such as a lack of financial knowledge among farmers and limited equipment, the village government continues to try to overcome this problem through assistance and education. Overall, the efforts made are quite optimal and have the potential to support the development of the milkfish pindang business in the future.

Good financial management is an important aspect of student life, especially for those studying economics. Economics students are expected to have a deep understanding of personal financial management and long-term financial planning. However, not all students have the same ability to manage finances. This research aims to analyze the factors that influence the financial management patterns of students at the Faculty of Economics and Business, Brawijaya University. This research uses a quantitative research method with a cross-sectional survey design, namely, data was collected from 50 students through a structured questionnaire. The research results from this method show that the factors that influence the financial management of economics students are  monthly income, knowledge about finance, attitudes toward financial management, experience in financial management, social support, and personal financial needs and goals. Suggestions that can be given to university is to provide guidance to their students include holding regular training on financial management, inviting financial experts to give seminars or guest lectures, and holding student financial counseling.

This study aims to determine the influence of financial knowledge, consumptive behavior, self-control influence financial management behavior. This research focused on K-Pop fans in Jakarta.This research is quantitative in nature. The method used in this study is descriptive verificative. The sampling method applied is non-probability sampling, characterized by purposive sampling. The study gathered 195 respondents as samples, with data collection conducted through questionnaires distributed via Google Form on social media. The data was processed using SPPS 23, with data analysis methods including data quality testing,stastical data analysis, classical assumption tests, multiple linear regression test, and hypothesis testing. The results of this study show that the variables of financial knowledge and consumptive behavior partially have a significant influence on financial management behavior. Meanwhile, the self-control variable, when tested partially, has no significant effect on financial management behavior.

This Community Service Activity (PKM) aims to foster an entrepreneurial spirit from an early age through entrepreneurial literacy in the children of the Al Ikhlas Orphanage in Palu, Central Sulawesi. Entrepreneurial literacy is considered important to equip foster children with knowledge and skills that can support their independence, both financially and psychologically, after leaving the orphanage. Methods for implementing this activity include an introduction to entrepreneurship, providing motivation, practical business idea development sessions, business simulations, and interactive discussions. Evaluation shows that this activity received a positive response from orphanage children and administrators, which encourages the continuation of similar programs in the future. It is hoped that the results of this activity will have a significant impact in preparing the younger generation to be independent and economically productive.

This community service activity aims to socialize the importance of early childhood education in developing children's potential. In carrying out this community service activity, the lecture method is used, namely through the technique of presenting socialization material, which was followed by a question and answer discussion between the presenters/resources and the participants. The low level of public awareness in participating in early childhood education services is due to a lack of information and heavy economic conditions/burden which means that early education is not a top priority for the community compared to food and clothing needs. This socialization activity needs to be carried out on an ongoing basis by involving various related parties (stakeholders), including the village government, mothers and PKK cadres, parents of children, the private sector and campuses so that they receive financial support, personnel and human resources to support carrying out similar activities. in the future. The implementation of socialization activities began with the presentation of the first speaker, then continued with the presentation of the second speaker and ended with a question and answer session for participants and presenters. This activity produces additional information for participants in the form of knowledge and understanding about the importance of early childhood education in developing children's potential. With this additional information, it is hoped that public awareness will increase in involving their children in early childhood education services.

This community service activity aims to socialize the importance of early childhood education in developing children's potential. In carrying out this community service activity, the lecture method is used, namely through the technique of presenting socialization material, which was followed by a question and answer discussion between the presenters/resources and the participants. The low level of public awareness in participating in early childhood education services is due to a lack of information and heavy economic conditions/burden which means that early education is not a top priority for the community compared to food and clothing needs. This socialization activity needs to be carried out on an ongoing basis by involving various related parties (stakeholders), including the village government, mothers and PKK cadres, parents of children, the private sector and campuses so that they receive financial support, personnel and human resources to support carrying out similar activities. in the future. The implementation of socialization activities began with the presentation of the first speaker, then continued with the presentation of the second speaker and ended with a question and answer session for participants and presenters. This activity produces additional information for participants in the form of knowledge and understanding about the importance of early childhood education in developing children's potential. With this additional information, it is hoped that public awareness will increase in involving their children in early childhood education services.

This study aims to explore the role of families in supporting young entrepreneurs, which is often a determining factor in the success or failure of their business. Families can provide various forms of support, such as financial, emotional, knowledge, skills, and access to social networks that can accelerate business development. Using a qualitative research approach, data was collected through in-depth interviews with 8 young entrepreneurs in various business sectors in Sumbawa. The results of the study show that family support, both in the form of initial capital, knowledge guidance, and emotional motivation, has a significant role in increasing the confidence and resilience of young entrepreneurs. Nonetheless, some young entrepreneurs face challenges in convincing families who have a conservative view of entrepreneurship. This study indicates that the family is not only a provider of resources, but also as a psychological factor that can affect the success of young people's businesses. Therefore, the role of the family in young people's entrepreneurship needs to be strengthened through increased understanding and better support from the family.

This community service activity was carried out among the members of the Sakinah Tailors' social gathering in the Kampung Bali sub-district of Sungai Serut, Bengkulu City. The members of the Sakinah Tailors' social gathering have the potential to grow because the members or partners already have sewing skills or their own sewing businesses. This is a supporting factor in developing a cooperative. However, they are constrained by limited knowledge about the procedures for forming a cooperative, capital, and how to prepare cooperative financial reports. So far, the members of the Penjahit Sakinah sewing circle have been carrying out savings and loan activities, but the administrators still carry out savings and loan activities in a conventional manner, so they want to form a sharia savings and loan cooperative. Therefore, the Community Service Team from the Faculty of Economics and Business wants to conduct socialization and assistance activities for the formation of a sharia-based savings and loan cooperative. The method used is through direct socialization and assistance activities using the Excel application, followed by posting, adjusting journals, and reporting activities.

Stunting is a health problem that is still a challenge in Indonesia, especially in areas with low economic conditions. One of the contributing factors is less than ideal parenting due to limited knowledge in managing household income to meet children's nutritional needs. This community service activity aims to improve housewives' understanding of financial management and the selection of nutritious food at low cost to support stunting prevention. This activity was carried out in Wera Village, Pamona Puselemba District, Poso Regency, involving seven families with stunted children, integrated health post cadres, and community leaders. The method used was practice-based training that included lectures, group discussions, household budget preparation simulations, and demonstrations of selecting nutritious food at low cost. Evaluation was carried out through pre-tests and post-tests, participatory observations, and activity documentation. The results of the pre-test and post-test showed an increase in participants' understanding by 75.7%, with an average score increasing from 45.8 to 80.5. The indicator with the highest increase was the ability to prepare a simple family budget (87.5%), followed by an understanding of the importance of balanced nutrition (70.0%) and the selection of nutritious food at low cost (70.8%). The response of the participants was very positive, shown by enthusiasm in the discussion and active involvement in the practice of preparing a budget and demonstration of selecting food ingredients. This activity succeeded in increasing household financial literacy and awareness of the importance of nutrition in the family. The practice-based approach has proven effective in improving participants' understanding and skills. For the sustainability of the program, further assistance and collaboration with posyandu cadres and the village government are needed to ensure sustainable implementation in preventing stunting.  

The aim of this activity is to improve the ability of tofu entrepreneurs to manage their business finances well, so that they can support the sustainability and development of tofu businesses in Kalikidang Village. The implementation methods used include socialization and financial management training, including recording transactions, preparing simple financial reports, and financial planning. The results of this activity show an increase in the understanding and skills of tofu entrepreneurs in managing their business finances. The impact of this service is increased efficiency and effectiveness in financial management of tofu businesses, which is expected to contribute to increasing income and welfare of entrepreneurs. The output obtained from this activity includes financial management training modules, activity reports, and documentation of training implementation. Thus, this PKM activity succeeded in making a positive contribution to the development of the tofu business in Kalikidang Village.

This community service aims to provide an understanding of financial literacy and training and guidance related to the use of social media to disseminate their products online to students of Muhammadiyah Wanaraja Garut High School. The problem faced by partners in this programme is the lack of understanding of students of Muhammadiyah Wanaraja Garut High School regarding financial literacy. The method of implementing this activity using the Participatory Action Research (PAR) method is carried out starting from the socialisation stage at the beginning of the service activity, in the form of providing information to partners / communities about community service activities to be carried out, the objectives of the activity, the stages of implementing the activity, and the schedule for implementing the activity based on an agreement between the proposing team and partners, the next stage of training and mentoring and evaluation of activities. The results of the activity showed an increase in the literacy knowledge of students of Muhammadiyah Wanaraja Garut High School (SMA) related to financial literacy before and after training.