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Financial problems are not only caused by low income, but financial difficulties can also arise if there are errors in financial management such as incorrect use of credit, and lack of financial planning. Therefore, financial literacy is needed for someone in managing their financial resources to be able to adjust to income and lifestyle in the modern era like today. The purpose of this study is to determine the effect of financial literacy, financial technology, financial risk, financial attitudes and financial income on financial management (study on the community of Kertasari Village, Banjarharjo District, Brebes Regency). This study uses a survey approach for its quantitative research design. The population used is the community in Kertasari Village with a population of 994 heads of families, having personal income, and being the head of the family. In determining the sample, the author uses the Slovin formula so that the number of samples obtained is 100 samples. The data analysis methods used are instrument testing, classical assumption testing, multiple linear regression testing, and hypothesis testing. The data obtained in this study were then processed using the IBM SPSS Statistics 23 program. The results of the study show that financial literacy has a positive and significant effect on financial management, financial technology has no effect on financial management, financial risk has a positive and significant effect on financial management, financial attitudes have a positive and significant effect on financial management, and financial income has a positive effect on financial management.

These tests assessed the electorate's degree of disinterest in voting. It investigated the reasons behind voters' indifference to voting. It also established the voting remedies disinterest from the viewpoints of the voters and, lastly, investigated how factors including socioeconomic position, political party affiliations, and educational attainment affected the voters' degree of voting apathy. The survey research design was used in the study. Using a purposive sampling technique, 350 electorates from seven faculties at Obafemi Awolowo University in Ile-Ife made up the sample size. Before being used, a tool called the Voting Apathy Questionnaire (VAQ) was created and verified. Three hypotheses were investigated and confirmed, and three research questions were posed and addressed. Among other things, the results indicated that 50.3% of voters were indifferent to voting. Additionally, the degree of voting indifference among the electorate was significantly influenced by educational levels (² = 161.969a, p < 0.05). Rational Choice Theory was selected as the theoretical underpinning, and the study used both survey research design and secondary sources of data collection as information gathering techniques. The results showed that low levels of education and illiteracy are associated with poor political and voter education, particularly when it comes to the fact that the majority of voters (roughly 50%) fail to pick up their permanent voter cards and are therefore unable to be accredited to vote; that Nigerian politics is another factor, as it is known as a bitter and acrimonious politics; and that because elected officials have failed to fulfill their campaign promises, the electorate has lost faith in the government and finds it difficult to participate in the electoral process.

Learning media has a crucial role in the educational process, especially in mathematics subjects at the elementary school level. The use of learning media aims to increase students' interest and enthusiasm in learning, as well as potentially improve their learning outcomes. Learning that utilizes learning media tends to be more interesting and easier to understand than learning methods that are monotonous and do not involve media. This study aims to conduct a literature review on the role of learning media in the context of mathematics learning in elementary schools. The research method used is a literature study, focusing on research articles published between 2020 and 2025. The analyzed articles come from accredited national journals accessed through Google Scholar with the help of the Publish or Perish application. The findings of this study show that the use of learning media in mathematics subjects has a significant impact on increasing students' interest in learning, motivation, and learning outcomes. In addition, learning media also functions to facilitate the understanding of concepts and provide direct experience to students related to the material taught.

The increasing environmental challenges faced globally have highlighted the urgent need for an environmentally literate generation. Environmental literacy, encompassing cognitive, affective, and behavioral aspects, is essential for fostering awareness and concern for the environment among young people. As such, understanding the level of environmental literacy in students is crucial to effectively address these challenges. This study aims to determine the environmental literacy skills of high school students in Batu City based on gender and school accreditation. The study used a descriptive quantitative approach with a purposive sampling technique. The research sample consisted of 1,054 students from six high schools, including three public schools and three private schools. The instrument used was a validated Environmental Literacy Instrument for Students (ELIS) based on a questionnaire. The results indicated that, in general, students' environmental literacy skills were in the high category, with an average percentage of 78-80% across all dimensions. The Independent sampel t-test revealed a significant difference in environmental literacy skills based on gender, with female students demonstrating higher concern for the environment compared to male students. Additionally, a significant difference was found between schools with A and B accreditation, with A-accredited schools showing higher results. This study recommends emphasizing the importance of experiential learning, as well as considering gender and accreditation factors in the development of environmental literacy programs.

Law Number 37 of 2004 Concerning Bankruptcy and Suspension of Debt Payment Obligations, PKPU is an effort to reach an Agreement or Mutual Agreement between the debtor and creditor which is carried out with the intention of submitting a peace plan in the form of an offer of payment of either part or all of the debt that has matured to the creditor regarding the settlement of debts. Furthermore, in the results of the analysis of Decision PKPU Number 188 K/Pdt.Sus-PKPU/2013, the Debtor has violated the provisions of Article 222 paragraph (2) of the Law, it is explained that for debtors who have more than one creditor and the debtor does not pay at least one debt that has matured and can be collected, he is declared bankrupt by a court decision, either at the request of the debtor himself or at the request of one or more of his creditors, Legal Implications of Decision No. 08/PKPU/2012/PN.Niaga.Mks Debtor PT.Kopi Jaya Comrpora as the debtor, seeing from the trial facts, the author agrees with the decision of the panel of judges.

This study aims to analyze credit management strategies in reducing non-performing loans (NPL) at PT. BPR Ambulu Dhanaartha in Jember Regency. This study uses a descriptive method with a qualitative approach. Data collection was carried out through direct interviews with the bank, observation, and documentation studies from various relevant sources. The results of the study indicate that PT. BPR Ambulu Dhanaartha implements credit management strategies through the stages of planning, organizing, implementing, and monitoring. The factors causing non-performing loans come from internal aspects, such as credit analysis errors, as well as external factors, such as economic conditions and disasters. The handling strategies implemented include restructuring, rescheduling, and confiscation of collateral. By implementing strict credit analysis, structured credit policies, periodic supervision, and effective collection strategies, PT. BPR Ambulu Dhanaartha is able to minimize the risk of non-performing loans and maintain its operational stability.  

This research aims to see the results of activities to increase employee capacity through the disaster safe hospital (RSAB) program at Kilisuci Regional Hospital, Kediri City. Hospital preparedness plans are very important in ensuring the safety of the hospital environment and the actions that need to be taken to ensure health services remain available during a disaster situation. Kilisuci Regional Hospital does not yet have a preparedness plan that is documented, tested, and involves the surrounding community to be ready to face disasters. The methods used in this community empowerment activity include pretest-posttest, lecture-discussion, direct training/practice, observation and evaluation methods. The research results show that Disaster Management at the Kilisuci Regional Hospital is very necessary considering that Kediri City has a variety of potential disasters and is in an area that has potential threats from floods, fires, the Covid-19 pandemic, Mount Kelud eruptions, traffic accidents and earthquakes. There was an increase in pretest and posttest results of 14.60 points. It is felt that activities to strengthen employee capacity through the Hospital Disaster Plan (HDP) program need to be developed further because hospitals need more preparedness capacity in facing disasters or emergency situations and can support during hospital accreditation.

Employee loyalty is an important factor in the sustainability and productivity of a company. This research aims to analyze the efforts made by PT. Jambi Regional Development Bank in increasing employee loyalty and its implications for company productivity.The research method used is a qualitative method. Data was collected through interviews with employees of the credit division of PT. Jambi Regional Development Bank and documentation studies. The research results show that there is a positive and significant relationship between efforts to increase employee loyalty and company productivity. Factors such as increased welfare, career development, a conducive work environment, and effective internal communication play an important role in increasing employee loyalty. The higher the level of employee loyalty, the higher the level of productivity achieved by the company. The implication of this research is that companies need to continue to develop strategies to maintain and increase employee loyalty in order to achieve optimal levels of productivity. The recommendations provided include improving the incentive system, increasing employee involvement in decision making, and providing ongoing training programs.

This study looks at the options and issues surrounding financial reporting in Nigerian small and medium-sized businesses (SMEs). The purpose of the study was to identify the difficulties that Small & Medium Businesses (SMEs) in implementing efficient financial accounting reporting in Nigeria, as well as to determine the extent to which insufficient accounting records in SMEs in Nigeria are caused by subpar credit facilities. Data were gathered using the survey method, time series data, and the CBN statistical bulletin and questionnaire. A straightforward percentage table was used to assess the generated data. Inadequate accounting books and records, manpower, accounting system, and failure to conduct transactions through the banking system are the main obstacles that SMEs face when preparing and presenting financial reports, according to the study. The report suggests, among other things, that the two primary organizations in Nigeria, ICAN and ANAN, should support professional accountants as they are the only ones who can maintain appropriate books of accounts and prepare financial records its members to provide SMEs in Nigeria with free expert services.

The purpose of this study is to examine how risk management techniques can reduce credit risk and increase liquidity in the Indonesian banking industry. It used quantitative methods and collected information from 130 banking professionals through a survey created on a Likert scale ranging from 1 to 5. The Structural Equation Modeling Partial Least Squares (SEM-PLS 3) approach was used to test the hypothesis. According to research, practicing efficient risk management techniques significantly lowers credit risk while increasing liquidity. The findings of this study emphasize the crucial importance of having a strong risk management framework due to its role in ensuring financial stability and enhancing the performance of the Indonesian banking sector. The conclusion of this study offers strategic benefits to banking institutions and policymakers in maximizing risk management procedures in the face of shifting economic conditions.

This study aims to describe and analyze: The Contribution of Migrant Workers in Increasing Money Remittances and Achieving the SDGs.  The research is a qualitative descriptive analysis. The data analysis technique uses the technique developed by McNabb (2002), namely Grouping the data according to key constructs, Identifying bases for interpretation, Developing generalizations from the data, Testing Alternative interpretations and Forming and/or refining generalizable theory from case study. The results of the study show that migrant workers play an important role in the world economy, especially in developed countries as migration destination countries and contribute to the growth of the economy in their home countries, one of which is through remittances sent to their home countries. Indonesia is one of the countries that still sends migrant workers, where remittances from migrant workers are seen as one of the main sources of foreign exchange after petroleum. Migrant workers contribute to reducing the unemployment rate in Indonesia by: Increasing household income. Helping families left behind not work for a while. Increase family access to capital and credit for entrepreneurship. Encouraging a decrease in child employment rates Helping economic development in the region of origin. Encourage political and social change.  The use of remittances for productive activities is expected to increase investment in recipient countries. Remittances encourage improvements made by households in daily consumption, expenditure on education, health, and other expenses, so that it will affect economic growth. Remittances increase household incomes and are therefore a strong anti-poverty force in developing countries.  Not only that, migrant workers who return to their home countries (return migrants) also contribute to the economic and social conditions of their home countries. Remittances can contribute directly and indirectly to several SDGs. Remittances' contribution to the SDGs: SDG 1: Reduce poverty, SDG 8: Decent work and economic growth SDG 10.c: Reduce the cost of migrant remittance transactions.

This study aims to analyze the marriage agreement as an instrument of legal protection for both parties in a marriage, especially in terms of property ownership and financial responsibility. This study uses a sociological juridical method, with primary data obtained through interviews with a notary and secondary data from various legal literature, including Law Number 1 of 1974 concerning Marriage, the Civil Code, and the Constitutional Court Decision Number 69/PUU-XIII/2015. The results of the study indicate that the marriage agreement plays a role in preventing potential legal conflicts in marriage, both in monogamous and polygamous systems, and provides legal certainty for third parties, such as creditors or heirs. This agreement not only protects the rights and obligations of the husband and wife, but also ensures legal clarity in the division of assets and financial responsibility during and after the marriage.

The stability of the banking sector is crucial in maintaining a country’s financial system and economic sustainability. This study analyzes the impact of Net Interest Margin (NIM), Non-Performing Loans (NPL), and Capital Adequacy Ratio (CAR) on banking stability in Indonesia. The inconsistency of previous research findings indicates a research gap that requires further exploration. This study employs a quantitative approach using secondary data from financial reports of conventional banks listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023. The sample was selected using purposive sampling, resulting in 39 banks with 195 observations. Data analysis was conducted using multiple linear regression with classical assumption tests, including normality, heteroscedasticity, multicollinearity, and autocorrelation, to ensure model validity. The results show that NIM positively but not significantly affects banking stability, while NPL has a negative and significant effect. CAR also significantly influences banking stability. Enhancing banking intermediation effectiveness through NIM and CAR can strengthen financial stability, whereas increasing credit risk, reflected in NPL, can weaken stability. This study provides insights for regulators and banking management in designing more effective policies to maintain banking sector stability in Indonesia.

In the Temanggung District Court there are several lawsuits by Separatist Creditors against Debtors who are in default of the agreed credit agreement. For example in cases 13/Pdt.G/2023PNTmg and 17/Pdt.G/2022/PNTmg. In these cases, Separatist Creditors filed a lawsuit against the Debtor who is in default. In this article, the author discusses the lawsuit for default by Separatist Creditors against their Debtors who are in default and the reasons why Separatist Creditors filed a lawsuit against the Debtor who is in default at the Temanggung District Court using Qualitative research methods and with a Literature Study approach sourced from Case Decisions, Legislation, Journal Articles, and Books. Separatist Creditors have the right to sue Separatist Creditors who feel disadvantaged due to the Debtor's non-compliance in fulfilling payment obligations. However, despite having the right to sue and having suffered losses, the panel of judges emphasized that the Separatist Creditor should not have filed a lawsuit in court, but could have directly sold the existing collateral. This shows that the execution rights attached to the collateral are prioritized over the right to sue in court.

The sangosay cooperative is one of the financial institutions engaged in the field of savings and loans providing loan facilities. Where this is the function of cooperatives to support progress and support economic growth. This research was conducted on the Sangosay Cooperative Kupang Branch which carries out savings and loan activities that are quite healthy, starting from an increase in the number of members, borrowers and bad loans. So the purpose of this study is to see the implementation of the internal control system implemented by the Sangosay Credit Cooperative Kupang Branch in supporting the effectiveness of credit provision. The research approach is qualitative descriptive research. collection techniques in two ways: literature study and field. The results of the study concluded that the internal control system implemented  by the Kupang Branch Sangosay Cooperative according to COSO which consists of five elements with components in it are running quite well, Supporting factors related to the implementation of the internal control system in the Kupang Branch Sangosay Credit Cooperative are transparency and accountability while the inhibiting factor is the lack of employees.

This study aims to analyze the financial performance of PT. Bank Rakyat Indonesia (Persero) Tbk uses the CAMEL method. The type of research used is descriptive with a quantitative approach. The sample in this study is in the form of financial statements of PT. Bank Rakyat Indonesia (Persero) Tbk for the period 2019-2023. The data collection technique used in this study is a documentation technique. The source of the data was obtained from the official website of the Indonesia Stock Exchange. The results show that the final value of CAMEL, which consists of capital, assets, management, earning, and liquidity in each period by multiplying the credit value of each ratio with the CAMEL weight that has been set by Bank Indonesia, is in the range of 81-100. Thus, it can be concluded that the financial performance of PT. Bank Rakyat Indonesia (Persero) Tbk using the CAMEL method during the 2019-2023 period is in a healthy predicate.

This study analyzes the effectiveness of the MSME empowerment program in Madura Regency in improving community welfare. Empowerment programs that include entrepreneurship training, access to capital through People's Business Credit (KUR), and business assistance show positive results in increasing the capacity of business actors. Based on survey data, most of the program participants experienced an improvement in business management and marketing skills. The positive impact was also seen in the increase in average household income by 30% and the opening of new jobs. However, challenges remain, especially related to the equitable distribution of benefits in rural areas, low digital literacy, and program sustainability. This study uses a quantitative approach with a survey method, supported by the Theory of Change theory to analyze the impact of programs on socio-economic changes in the community. The results of the study show that the empowerment of MSMEs makes a real contribution to the welfare of the community, although continuous evaluation is needed to ensure the sustainability and equitable distribution of program benefits throughout the Madura Regency area. By strengthening the synergy between the government, financial institutions, and local communities, it is hoped that the impact of MSME empowerment can be more optimal.

This research discusses legal protection for banks as providers of Home Ownership Credit (KPR) facilities at Bank Tabungan Negara (BTN) Cibubur Branch Office. The aim of this research is to analyze the implementation of legal protection for banks in the event of default by the debtor, especially when the Deed of Granting Mortgage Rights has not been attached to the collateral object due to administrative obstacles. One of the main obstacles is the validity period of the Power of Attorney to Encumber Mortgage Rights which has expired before the process of installing Mortgage Rights is completed. The main problems in this research include: (1) the procedure for granting mortgages at the BTN Cibubur Branch, (2) legal protection for banks if they fail to install Mortgage Rights, and (3) factors that cause delays in installing Mortgage Rights. This research uses an empirical juridical approach with qualitative methods, based on applicable laws and regulations. Data collection techniques include literature study, observation, and interviews. The research results show that BTN Cibubur Branch has carried out procedures according to operational standards and strengthened its legal protection through credit agreements and notarial deeds. However, the relevance of the Power of Attorney to Encumber Mortgage Rights needs to be reviewed, considering the length of the administration process at the National Land Agency.

Law Number 37 of 2004 Concerning Bankruptcy and Suspension of Debt Payment Obligations, PKPU is an effort to reach an Agreement or Mutual Agreement between the debtor and creditor which is carried out with the intention of submitting a peace plan in the form of an offer to pay either part or all of the debt that has matured to the Creditor regarding the settlement of debts. Then in the decision NUMBER 188 K/Pdt.Sus-PKPU/2013 the Debtor has violated the provisions of the Law, Article 222 paragraph (2) explains that for debtors who have more than one creditor and the debtor does not pay at least one debt that has matured and can be collected, he is declared bankrupt by court decision, either at the request of the debtor himself or at the request of one or more of his creditors, Legal Implications in Decision No. 08/PKPU/2012/PN.Niaga.Mks Debtor PT.Kopi Jaya Comrpora as the debtor, seeing from the trial facts, the author agrees with the decision of the panel of judges.

Pawn is one of the property rights obtained by a person who receives the goods—who provides credit—on a movable and tangible item that is handed over to him by a person who is in debt or by another person on his behalf. Pawning is a common phenomenon in many countries, especially in Indonesia. The regulations related to pawn are determined in the Civil Code, especially in Article 1150 of the Civil Code, and are further regulated in various additional articles in the Civil Code. Pawn requires the existence of two or more parties who are related to each other and agree to make a binding agreement with a certain period of time to receive and provide guarantees to an entity in return for a certain amount of money or other goods, which must then be returned in accordance with the agreement that has been made along with the surplus value that may arise as a result of added value or interest. This is an obligation that must be fulfilled by the party who owes, but the party who provides the credit also has a handful of obligations that must be fulfilled as a form of accountability for the pawned goods that are received and maintained for a certain period of time, for example, maintaining the pawned goods from potential damage or carrying out maintenance so that the pawned goods function properly. However, the party who provides the credit has the right to receive compensation or a refund of the maintenance costs incurred to maintain the pawned goods; this is regulated in Article 1157, Paragraph 2, of the Civil Code, which is a guarantee for every entity that provides credit to obtain its rights or compensation from efforts to "rescue" the pawned goods.