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This qualitative study aims to explore the impact of financial literacy on human capital development within micro, small, and medium enterprises (MSMEs). The research utilizes a descriptive qualitative approach to delve into the intricate relationship between financial literacy and human capital enhancement. Sampling technique employed purposive sampling to select MSMEs owners and employees who possess varying degrees of financial literacy. Data analysis involves thematic analysis, allowing for the identification of recurring patterns and themes within the collected data. The findings underscore the pivotal role of financial literacy in fostering human capital development within MSMEs, highlighting its significance in promoting entrepreneurial success, enhancing decision-making processes, and facilitating business growth. This study contributes to the existing body of knowledge by providing insights into the mechanisms through which financial literacy influences human capital development within the context of MSMEs.

Poverty can be a big problem for the country. By not having property, human life becomes completely limited. The lack of shelter, food and clothing facilities means they cannot meet their living needs as they should. Poverty is the main problem in the novel Keep The Aspidistra Flying where the main character suffers from poverty since birth. In the story, even though Gordon Comstock, the main character in this novel, was born into a poor family, he really hates money and state capitalism. He prefers to live independently with simplicity and persistence. This novel research uses the Hermeneutics method. Hermeneutics is a method that regulates methods of interpretation, namely the interpretation of texts and other signs that can be considered texts. This problem of poverty must be resolved immediately, otherwise many bad impacts will arise, one of which is long-term poverty.  

The purpose of this study was to determine the role of BMT Al-Islah Jambi City in empowering the MSME economy, the obstacles faced by BMT Al-Ishlah Jambi City in carrying out its role in empowering the MSME economy and the efforts made by BMT Al-Ishlah Jambi City in dealing with these obstacles. This type of research is qualitative with a descriptive approach, and the methods used in data collection are observation, interviews and documentation. The subjects in this study were the BMT and its customers. The number of subjects in this study were 10 people. The results of the study show that BMT Al-Ishlah plays a role in developing an entrepreneurial spirit for its customers. Factors that become obstacles faced are limited capital so that BMT has not been able to provide large-scale financing, lack of human resources, and financial literacy of MSMEs is still lacking because customers are only limited to recording business financial receipts and expenditures without supporting document storage. The solution provided by BMT is that we hold group meetings and continue sharing about the constraints of their business. And every week teaches making financial reports so that customers understand where money is coming in and out.

Poverty is a classic problem that is almost impossible to eradicate from the face of the earth. The current problem of covid is also exacerbating the increase in the number of poor people both globally and in Indonesia, especially in the North Sumatra province. The aim of this research is to find out and analyse the influence of the Labour Force, IPM and Education on the poor population in the North Sumatra Province. This study uses secondary data obtained from the Central Statistical Authority of North Sumatra Province 2006-2022. Data testing on this study was carried out using eviews-10. As for the results of this study, a) The results of the study show: 1) In the short term the variable Labour Force has a negative and insignificant relationship to the Poor Population in the Northern Sumatra Province in 2006-2022. In the long term the labour force variable has a positive and significant impact on the poor population in North Sumatra province in 2006 - 2022. 2) In the Short term the Variable IPM has negative and non-significant relation to the poor people in the South Sumatra Provincial in 2006 to 2022.

Penelitian ini bertujuan untuk menganalisis pengaruh Intellectual Capital dan Financial Non Distress terhadap Sustainable Growth Rate pada perusahaan sektor Consumer Non-Cyclicas yang terdaftar di Bursa Efek Indonesia periode tahun 2018-2021. Penelitian ini menggunakan metode kuantitatif. Penelitian ini menggunakan data sekunder, data yang digunakan berupa laporan keuangan perusahaan yang terdaftar di Bursa Efek Indonesia. Sampel yang digunakan dalam penelitian ini adalah perusahaan sektor Consumer Non-Cyclicals yang terdaftar di Bursa Efek Indonesia periode 2018 sampai dengan 2021. Sampel dipilih dengan menggunakan Purposive Sampling. Total perusahaan yang menjadi sampel penelitian adalah 26 perusahaan dengan periode studi 4 tahun, sehingga diperoleh 104 sampel. Teknik analisa dalam penelitian ini adalah statistika deskriptif, uji asumsi klasik dan analis regresi linier berganda. Hasil penelitian dengan menggunakan analisis regresi linier menunjukkan bahwa Human Capital Efficiency dan Structural Capital Efficiency berpengaruh positif dan signifikan terhadap Sustainable Growth Rate sedangkan Capital Employed Efficiency tidak berpengaruh positif dan signifikan terhadap Sustianable Growth Rate. Kemudian, analisis regresi linier mengungkapkan bahwa Financial Non Distress berpengaruh positif dan signifikan terhadap Sustainable Growth Rate. Keterbatasan dalam penelitian ini yaitu terdapat beberapa perusahaan Consumer Non-Cyclicals yang terdaftar di Bursa Efek Indonesia yang tidak mempublikasikan laporan keberlanjutan secara lengkap selama periode 2018-2021, sehingga dalam mengumpulkan data,  perusahaan yang dijadikan sampel jumlahnya berkurang, kemudian pengambilan keputusan pembagian dividen tidak bergantung pada laba atau rugi nya suatu perusahaan sehingga dalam kriteria pengambilan sampel tidak perlu menghilangkan data sampel perusahaan-perusahaan yang tidak membagian dividen.

Poverty is a condition that is still a problem in Indonesia. This can be seen from the still high number of poor people in Indonesia in 2021 reaching 26.5 million people. This poverty does not just happen, one of the reasons is because people's income is low and the poverty level is still low, making them unable to meet their daily needs. Eradicating poverty in Indonesia requires cooperation from various parties, both government and private. Therefore, the community service team together with YBM PLN UID North Sumatra is implementing a program based on local wisdom to improve the community's economy in the form of community empowerment in improving community welfare. This has an impact on people's income levels which are still low. This program includes providing business capital, skills training and business assistance. The results of the analysis of Ziswaf management for economic prosperity show that this program has a positive impact on community welfare. This can be seen from the aspect of increasing income, physical aspects, natural aspects, human resource aspects, and social aspects.

This research uses a qualitative descriptive approach, namely by describing and analyzing the problems found. Qualitative research is based on primary data and secondary data. Primary data in this research was obtained by conducting observations, interviews, and documentation, while secondary data was obtained through books, previous research, and articles related to research. The aim of this research is to determine the performance at PT XYZ which includes performance factors, obstacles and solutions in building good performance. From the results of this research, it can be seen that employee performance at PT XYZ tends to decline due to lack of enthusiasm and work motivation. However, overall work implementation continues to be carried out well in accordance with applicable regulations and SOPs. Employee performance at PT XYZ is good, especially in the human capital division. The performance of employees in the human capital division is relatively good. This can be seen from the achievements of the Human Capital team which has succeeded in increasing sales of the company's products, as well as introducing these products to the general public. The high quality of work and dedication of the Human Capital team has helped the company achieve success in this regard.

For organizations, the most important asset is human resources, because basically human resources are the driving factor in every activity within the company. For an organization to carry out its activities to achieve its desired goals, it requires good management, especially human resources, because human resources are the main capital for planning, organizing, coaching and mobilizing other resources in the organization. Human resource management is a part of organizational management that focuses on the elements of human resources. The level of job satisfaction is the company's focus in retaining its employees. One of them is PT Bank Mandiri Taspen which is a private company that provides banking services for retirees. PT Bank Mandiri Taspen is a subsidiary of PT Bank Mandiri and PT Taspen which was founded on November 3 1992. Currently the company is trying to improve employee performance by paying attention to employee job satisfaction.The aim of this research is to analyze the impact of employee job satisfaction in terms of the work environment, work commitment and compensation on employees of PT Bank Mandiri Taspen KC Jakarta. The type of research used is descriptive and the method used is quantitative research methods. with the population being all employees of PT Bank Mandiri Taspen KC Jakarta. The sample used in this research was 75 respondents. The research data used is primary data, which was obtained through distributing questionnaires to samples or research respondents. The data analysis techniques used are multiple linear analysis, correlation, coefficient of determination, and hypothesis testing. The research results show that the work environment contributes to job satisfaction. Work commitment contributes to job satisfaction. Compensation contributes to job satisfaction. Then the work environment, work commitment and compensation simultaneously contribute to job satisfaction.

The aim of this training activity is to increase the knowledge and abilities of MSME business actors in the field of digital marketing. This digital marketing socialization activity was carried out in Sanrobone village, Takalar district, which was the result of collaboration between the Sanroboe village government and STIEM Bongaya Makassar. This community service uses a participatory approach. Method of delivering material in the form of lectures. The speaker uses the lecture form to deliver the activity material, then continues with a discussion. This activity was attended by 15 MSME players. The observation results are that most MSME entrepreneurs have not done digital marketing well. There are several obstacles in managing MSMEs, namely human resource capabilities are still low, the market share of goods/services produced by MSMEs is still limited, lack of capital, and not having a good bookkeeping system. as well as a lack of understanding by the perpetrators. Follow-up activities are expected to be more technical in the form of training and technical guidance related to Digital Marketing for MSME development, both manually and application-based.

This article aims to describe the dual face of digital transformation. On the one hand, the communication and information technology revolution which has now reached the digitalization stage makes it very easy for humans to communicate and carry out their work. However, on the other hand, this progress also brings problems to humanity. By applying critical analytical studies, this research finds that the problems caused by the technological revolution are not only related to negative impacts as a consequence of the limitations and misuse of the technology, but are also related to more systemic impacts. Digital transformation has been inevitably connected to the capitalist system and the way how market works, which in practice makes the majority of humanity mere objects of exploitation and alienation. Recognizing this serious problem, this research also recommends that the ongoing technological revolution be addressed more critically and wisely.

Esources such as capital and office infrastructure. Human resources are the most important thing for an institution, because humans have the ability to set goals, collaborate, and work so that planned goals are achieved. Likewise, it is no less important than the office infrastructure in an institution that has a big influence in efforts to increase work efficiency and effectiveness. Therefore, an institution really needs office infrastructure that can be used by employees in carrying out their duties and responsibilities so that administrative activities and other operational activities can run well and smoothly. Office infrastructure is one of the factors that supports the success of an institution in achieving the organization's goals. Office facilities and infrastructure are an important part that need to be prepared ideally and continuously so that they can ensure the smooth running of employee work activities. Considering that office facilities and infrastructure are very important in efforts to facilitate employee work activities, therefore it is necessary to manage adequate facilities and infrastructure. Means are anything that is used as a tool to achieve aims and objectives, means are more indicated for moving objects such as computers and machines. Infrastructure is something that is the main support for the implementation of the process (Business, Development, Project), infrastructure is more indicated for immovable objects such as buildings, space, land. Work effectiveness is a condition that shows the level of success of management activities in achieving goals including quantity work, quality of work, and timeliness in completing work. Effectiveness is often associated with an efficient system, so that the service process takes place effectively, optimally and on time, thereby eliminating the need for overtime work with its implications. The efficiency of work processes, the level of effectiveness of office technology users, and the comfort of the work environment will directly and indirectly influence employee performance in completing assigned tasks. Apart from that, there are also various factors that influence work effectiveness, including: time, tasks, productivity, motivation, work evaluation, supervision, work environment, equipment and facilities. It is logical and appropriate if increasing effectiveness is made one of the government's long-term targets in implementing its strategy. Based on the phenomena presented above, it is clear that the Office of Industry, Trade, Energy and Mineral Resources of North Sumatra Province has not been well managed regarding infrastructure and has not complied with the appropriate regulatory principles. Problems like this should be addressed immediately and maximized so that in the future it can be as good as it should be. If this is resolved, it will certainly create a comfortable and conducive atmosphere so that employees can carry out their work responsibilities well and optimally. Therefore, the researcher was interested and conducted research as a result of an internship, with the title "The influence of the lack of office infrastructure on the effectiveness of employee performance

Community Service is a lecturer's obligation which must be carried out as an implementation and recognition of the Tridharma of Higher Education, and is a lecturer's concern for environmental sustainability and the existence of community life. One form of concern from researchers which focuses on the community economic sector is still being carried out in order to play a role in the development of the nation's economy. The methodological approach used by researchers is to provide counseling and assistance to micro, small and medium business actors in managing their businesses with marketing strategies to increase profitability in their businesses. Micro, Small and Medium Enterprises (MSMEs) are one of the economic implementers that give color to Indonesia. The number of MSMEs is increasing every year and has absorbed a lot of workers. The existence of MSMEs is part of human life activities to meet their daily needs as well as their existence in the era of economic globalization and the ability to survive in the face of the economic crisis and during the Covid-19 pandemic. Marketing also requires a strategy that will later be able to win a battle. Because he considers that there are many opponents in the market field who have similarities in their business and should not be turned off. As in the Pancasila economic system, fellow market players should have a sense of mutual care from large entrepreneurs towards smaller entrepreneurs. Therefore, it is necessary to have a Grand Strategy and a Core Strategy or what is called a Core Strategy. (Buchari, 2018) Almost every month MSMEs in the Jember Lor area continue to increase, more people choose business as a way to gain financial income for the family. However, MSME business is still carried out conventionally without any thought for the development of the business. As explained above, assistance is needed for MSME business actors who are willing to become respondents to gain knowledge about marketing strategies in order to increase profits and ensure that their business can survive and develop.

This study aims to find out the study of the relationship between capital punishment and human rights. The type of research used is a systematic literature review, namely the study of related journals, articles, laws, and books. The results of this study indicate that the death penalty in Indonesia still experiences several mistakes that lead to violations of human rights, so capital punishment is needed as an alternative punishment.

In today's digital era, the economy is a very important aspect for every human life in order to meet every need such as clothing, food and shelter. In Islam, every human being is encouraged to compete in trying, but Islam underlines that the intended effort should be in terms of goodness not the other way around which can plunge people into satanic acts. In this study the method used is a qualitative method. The informants in this study were eight traders and three buyers. The type of data used is primary data with data collection techniques in the form of observation, interviews and documentation. Checking the validity of the data is done by testing the internal validity (credibility), preparing a triangulation plan, identifying informants and participants. Based on the results of this study indicate that the competition between traders in the Keramat Tinggi Market, Muara Bulian District includes five principles, namely unity (unity), balance (fairness), free will, responsibility, and truth. Of the five principles, most of the business competition activities carried out by traders are in accordance with Islamic business ethics, although there are some traders who carry out unfair business competition and conflict with Islamic business ethics, namely traders with large capital, setting prices below the prices of other traders and there are Merchants who report that the quality is not in accordance with their merchandise with the aim of turning off other traders and can harm the buyer. In implementing the five principles of Islamic business ethics there are obstacles to the principle of responsibility because there are some traders who actually provide insurance or compensation to the buyer if there is a defect in the goods and also some do not provide insurance to the buyer if there is a defect in the goods. But this happens not for the sole reason of making a profit, but to minimize the losses that occur.  

The younger generation is the foundation and capital of the nation's development. For this reason, parents, educators and the government are expected to seriously provide the best education for them. The reality is that all citizens, local governments, families and parents are obliged and responsible for providing protection and guaranteeing the fulfillment of children's human rights in accordance with their duties and responsibilities. Legal rules regarding bullying against children have been regulated by the State in the form of laws, meanwhile, a clear understanding of bullying is not yet owned by some adolescents both within the school environment and outside the school environment. Even though acts of bullying can harm other people and can even cause the loss of the future of a child who is a victim of this act. For this reason, the Serang Raya University Service Team is interested in carrying out community service activities for students of SMP Negri 2 Cikeusal Serang which in this case is given in the form of "Socialization of the Dangers of Bullying for Mental Students". using several methods including delivering material directly or lectures, sharing, discussions, questions and answers, and dialogue. The results obtained from the Socialization of the Dangers of Bullying for students' mentality are: the results of this dedication show that students' knowledge about stopping bullying increases, increase knowledge and understanding of legal regulations related to bullying, the impact of bullying.

This research aims to investigate the multifaceted components influencing the competitive edge of Small and Medium Enterprises (SMEs). The research model integrates financial knowledge, AI integration, human capital, and digital marketing to explore their collective impact on SME competitiveness. Through purposive sampling, SMEs across diverse sectors will be selected for in-depth interviews and focus group discussions. Data analysis will employ thematic analysis techniques to derive rich insights from qualitative data. The study anticipates uncovering nuanced relationships between the aforementioned variables and SME competitiveness. Findings will contribute to enhancing understanding of the intricate dynamics shaping SME competitiveness and inform strategic interventions to bolster their competitive edge in the market landscape.

The economic developments taking place in the world have resulted in an increasing number of financial products being offered to the public. explaining financial literacy has become increasingly complex over the last few years with the introduction of many new financial products. This requires people to have more financial knowledge to be able to address this. This is important because financial knowledge is closely related to financial behavior. Financial literacy is a component that becomes human capital that can be used in financial activities to increase the expected utility of consumption, namely behavior to increase economic welfare. The type of research used in this study is a quantitative approach. The quantitative approach is scientific research that systematically examines the parts and phenomena and their relationships. Quantitative data, namely systematic scientific research in the form of questionnaires and calculations as well as outlined in tabular form positive contribution and significant effect of Islamic financial literacy on customer decisions. From the results of the R square, which is equal to 0.770, it means that 77.0% of Islamic Financial Literacy can be explained by the customer's decision variable, while the remaining 33.0% can be explained by other variables such as education, employment status and other variables. Based on the results of previous research, the writer realizes that there are still many limitations and mistakes in this research. However, this research is expected to provide a useful contribution to the company.

Developments in the business world are currently increasing rapidly, as seen from the many companies that have sprung up with various fields of development in the current business world. In carrying out its business activities, a company certainly requires various resources. Human resources are one of the resources that exist in a company in addition to other resources such as capital, materials and machines. Companies also need human resources, namely employees. Employees are an important resource for the company, because they have talent, energy and creativity that are needed to achieve company goals (Erwina & Mira, 2019).

This research is motivated by the problem of employee performance that is still not optimal. The prnyrbabya factors are the quality of human resources, the use of social media and business capital. Thus, the purpose of this study was to determine the effect of the quality of human resources, the use of social media and business capital on the performance of employees at CV Karisa Pratama in Pangandaran. The method used is a quantitative descriptive method, with the following research results. The quality of human resources has a positive and significant effect on employee performance. This means that if the quality of human resources increases, it will be followed by an increase in employee performance. The use of social media has a positive and significant effect on employee performance. This means that if the use of social media increases, it will be followed by an increase in employee performance. Business capital has a positive and significant effect on employee performance. This means that if the business capital increases, it will be followed by an increase in employee performance. The quality of human resources, the use of social media and business capital have a positive and significant effect on employee performance. This means that if the quality of human resources, the use of social media and business capital, increases, it will be followed by an increase in employee performance

A hospital is an institution or health service organization with broad and comprehensive functions, dense in expertise and capital intensive. Hospitals carry out broad functions so they must have resources, both capital and experienced and professional humans. Nursing service is part of the health service system in hospitals which has the function of maintaining the quality of service, which is often used as a barometer by the community, in assessing the quality of hospitals, thus demanding the professionalism of nurses in their work as shown by the results of the performance of nurses, both implementing and nursing nurses. management in providing nursing care to clients. Maximum implementation of nurse work in quality health services occurs when the nursing care implementation system supports professional nursing practice according to standards (RI Law No. 38, 2014). Motivation is the factors that exist within a person that move and direct his behavior or encouragement that causes him to do something or do something to satisfy individual needs to achieve certain goals (Rini, 2015).