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The rapid evolution of digital technology has significantly impacted various sports, including niche ones like petanque. This study explores the perceived benefits and barriers of using an Android-based application for scoring and statistics management in petanque, a sport gaining popularity in Indonesia. Traditionally, performance assessment in petanque relied on manual, paper-based methods, prone to inaccuracies and inefficiencies. An Android app, Petanque Match Statistics, was developed to address these challenges, offering real-time data accuracy, improved workflow, and enhanced performance analysis. This study employed a quantitative approach, surveying 50 participants (35 players and 15 coaches) in Surabaya, Indonesia, to assess their impressions of the app's usability, accuracy, efficiency, and overall satisfaction. Results indicated high ratings across all parameters, with no significant differences between players and coaches. The app was commended for its intuitive design, reliability, and time-saving efficiency. Findings highlight the potential of digital solutions to modernise petanque match administration, enhance strategic decision-making, and improve the user experience. The study underscores the importance of user-centred design in facilitating the adoption of digital advancements in sports, offering valuable insights for future developments in petanque and other emerging sports.

This study discusses the comparison of efficiency between Pulse Width Modulation (PWM) and Variable Frequency Drive (VFD) techniques in electric motor control. The background of this research is based on the importance of energy efficiency in industrial applications using electric motors. The aim of this study is to identify the advantages and disadvantages of each method in the context of energy savings and motor performance. The method used is a quasi-experimental design, where both techniques are tested on the same three-phase induction motor to compare power consumption and operational efficiency. The findings indicate that the use of VFD is significantly more efficient in reducing power consumption compared to PWM and provides better torque stability in the motor. The implications of this research suggest that the application of VFD can enhance energy efficiency and reduce operational costs, which is crucial for industries. This study is expected to serve as a reference for further development in electric motor control technology.

With a focus on Nigeria specifically, this study examined the country's external debt and economic growth from 1985 to 2014. The underdevelopment of Nigeria is one of the study's main issues economy. Measuring how external debt affects the country's growth is one of the study's goals. According to the theoretical perspective, external debt is a tool of fiscal policy that closes the savings gap. The ex-post facto method of design was the research design employed in this study. With GDP as the dependent variable and multilateral debt, Paris Club debt, London Club debt, promissory notes, and other debt as the independent variables, the findings were analyzed using the ordinary least square multiple regression analytical approach. The hypotheses were tested using the Pearson correlation and the student T-test. All types of external indebtedness contributed to the GDP's development, according to the data analysis, the Pearson While the dependent variable had a direct link with the other independent variables, GDP had an inverse association with Paris Club debt and promissory notes, as described by correlation. In order to reject the null hypotheses and accept the alternative hypotheses, the tested hypotheses showed that each independent variable had a positive influence and was significant to the effect of the dependent variable. According to the study's findings, Nigeria's economic growth is significantly impacted by external debt, and as a result, better management of these borrowings is advised in order to achieve sustainable growth.

This study aims to describe in depth the implementation of financial education in fostering a habit of saving among fourth-grade students at SD Negeri 121313 Tanjung Pinggir, Pematang Siantar. This activity is part of the Community Service Program (KKN) conducted by students of the State Islamic University of North Sumatra (UINSU). This study uses a descriptive qualitative method with data collection techniques through observation, interviews, and documentation of learning activities and the implementation of the savings program at school. The data obtained was then analyzed using the Miles and Huberman model, which includes the process of data reduction, data presentation, and interactive conclusion drawing. The results showed that the implementation of financial education by UINSU KKN students had a positive impact on changes in students' financial behavior. This financial education activity not only fostered financial skills but also shaped students' characters to be more responsible, disciplined, thrifty, and socially empathetic by encouraging them to share some of their savings. Thus, it can be concluded that the implementation of simple habit-based financial education through UINSU KKN activities has proven effective in fostering interest and enthusiasm for saving among elementary school students and contributes to shaping positive character traits that will be useful in their future lives.

Energy audit is a technique used to obtain the efficiency of a building with a certain method. Continuous research implementation is expected to be able to identify electrical efficiency and the purpose of data analysis is to obtain electrical energy efficiency to calculate the Energy Consumption Intensity (IKE) value in the building. Energy audits can also be carried out at any time or according to a predetermined schedule. Regular monitoring of energy usage is a must to find out the amount of energy used in each part of the operation during a certain period of time. Thus, savings efforts can be made.

This study aims to describe and analyze: The Effectiveness of Mobile Samsat Services in Serving Motor Vehicle Tax Payments in Lumajang Regency and the factors that affect the Effectiveness of Mobile Samsat Services in Serving Motor Vehicle Tax Payments in Lumajang Regency. The research is a qualitative descriptive analysis. The data analysis technique uses a 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 the Mobile Samsat Service has been effective in increasing motor vehicle tax revenue. This program is designed to make it easier for people to pay vehicle taxes, thereby increasing accessibility and convenience. Despite challenges such as technical constraints and time constraints, feedback from the community has been generally positive, stating significant benefits of Samsat Roving in saving time and travel costs. Overall, the Mobile Samsat service in Lumajang Regency has succeeded in creating a mutually beneficial relationship between service providers and customers, which is expected to result in a more positive and trusting relationship between the parties involved. Ease and Accessibility of Services: Taxpayers feel more helped by the services that come directly to them, especially in areas far from UPT offices. The effectiveness of the Mobile Samsat in Lumajang Regency in increasing vehicle tax revenue is influenced by the ease of tax payment, strategic location and operational time, technology adoption, and consistent SOPs. Although it has had a positive impact, continuous efforts are needed to achieve greater inclusivity. These factors are important in improving the effectiveness of vehicle tax services and revenues.

Online rotating savings groups (arisan) are a form of activity involving numerous members with the purpose of periodic fund collection. In practice, these activities often give rise to various legal issues, one of which is the breach of obligations (wanprestasi) by members in fulfilling their payment commitments. Such breaches result in legal consequences that not only harm the involved parties but also have the potential to erode public trust in online rotating savings activities. One case that serves as the focus of this research is Decision Number 41/Pdt.G/2021/PN Pwd, which addresses the issue of breach of obligations within the E-Master online rotating savings group. This study aims to analyze the legal consequences arising from breaches of obligations by members in the payment of arisan contributions under civil law. Employing a normative juridical approach and case study method, this research underscores the importance of legal certainty in resolving disputes related to online rotating savings. Furthermore, it highlights the need for more specific legal regulations governing online rotating savings activities to safeguard the rights of all involved parties.

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 explores Mohammad Hatta's influence on housing policies in Indonesia, highlighting his integration of Islamic principles into public policy to enhance societal welfare. Hatta viewed housing as a fundamental human right that extends beyond physical needs to encompass spiritual and social dimensions. Grounded in Islamic values such as justice (‘adl), trust (amanah), and solidarity (ta'awun), his policies aimed to ensure equitable access to adequate housing, particularly for low-income communities, while promoting holistic well-being. Hatta’s vision aligned with Islamic teachings that emphasize fairness and state responsibility in fulfilling basic human rights, as reflected in QS. An-Nisa: 58. His ideas inspired initiatives like the Sejuta Rumah (One Million Houses) Program and Tapera (People’s Housing Savings), which address housing disparities and support societal harmony. Additionally, Hatta championed cooperative-based housing development, fostering community participation and mutual assistance, which not only ensured affordable housing but also empowered local economies. By integrating Islamic principles into housing policies, Hatta demonstrated how public policy could balance material, social, and spiritual needs to achieve sustainable societal welfare. His approach offers a valuable framework for future housing programs to promote justice, inclusivity, and collective prosperity.

This research aims to analyze the gold investment mechanism through gold savings products at PT. Sharia Pawnshop Cab AR. Medan Judge and To determine the suitability of the gold investment mechanism through gold savings products, the mechanism is in accordance with MUI Fatwa No. 77/DSN-MUI/V/2010 or not.This research uses descriptive qualitative methods, with data collection techniques through in-depth interviews with employees and Nadabah PT. Sharia Pawnshop Cab AR. Medan Judge as well as observations, documentation and literature studies. The research results show that the gold investment mechanism in gold savings products has been running well, providing easy access for customers, and is assessed in accordance with sharia principles, namely DSN-MUI Fatwa No.77/V/2010 with a combination of wadiah (deposit) and murabahah (sale) contracts. buy) which provides flexibility and certainty for customers in managing gold savings. However, in the mechanism, various challenges arise. Such as customer understanding of the benefits and mechanisms as well as compliance with sharia principles (National Sharia Council Fatwa). The benefit of this research is to provide clear information to customers (the public) regarding the benefits and mechanisms of investing in gold through gold savings, so that it can serve as a guide in making investment decisions. Apart from that, the results of this research can be input for PT. Pegadaian Syariah always provides outreach and education to customers regarding the benefits and mechanisms as well as compliance with sharia. For the University, it can provide useful input and provide references in the field of sharia investment, especially regarding gold savings. This research concludes that gold investment through gold savings products at PT. Sharia pawnshops are a safe and sharia-compliant investment alternative, and have the potential to increase financial inclusion in Indonesia

Currently, people are beginning to realize that housewives actually have a role in moving the wheels of the economy and are able to achieve financial prosperity. This study uses an explanatory approach. The population in this study is female MSME actors in Bantul Regency under the guidance of related agencies. The sample in this study is 99 samples. Hypothesis testing is carried out in two stages. The first stage is testing the instrument by testing its validity and reliability. The next stage is hypothesis testing. then Mediation Test. The analysis tool using Smart PLS. shows that Income intention plays a role in influencing Financial Well-Being with a P-Value of 0.002. In addition, Income intention affects Household Behavior with a P-Value of 0.001. Household Behavior has an effect on Financial Well-Being with a P-Value of 0.000. and the mediation test showed that household behavior was able to mediate the relationship between the ability of Income intention in achieving Financial Well-Being. In addition, if a person's Income intention is balanced with the ability to control household behavior in controlling finances and saving, it will have a good impact on Financial Well-Being.

This study aims to analyze bad debts on the financial performance of the Kupang City Branch of the Swasti Sari Savings and Loan Cooperative. The research method used is descriptive quantitative, with data analysis techniques using bad debt analysis and financial performance analysis by measuring financial ratios such as liquidity, solvency and profitability ratios. The data used in this study is secondary data in the form of financial statements of the Swasti Sari Saving and Loan Cooperative, Kupang City Branch for a period of 5 years from 2019-2023. The results showed that bad debts at the Kupang City Branch of the Swasti Sari Savings and Loan Cooperative were caused by the inability of cooperative members to pay off their obligations so that the cooperative's receivables became difficult to collect and had an impact on the cooperative's financial performance as measured by the liquidity ratio from 2019 to 2023 which decreased because the cooperative's cash decreased and its receivables increased, the Solvency Ratio indicates an increase in risk due to increased debt without balanced asset growth. The Profitability Ratio shows a decrease in net income which affects the operational sustainability of the Kupang City Branch of the Swasti Sari Savings and Loan Cooperative. The results of this study provide recommendations for the Kupang City Branch of the Swasti Sari Saving and Loan Cooperative in overcoming the risk of bad credit, namely taking a rescheduling, reconditioning, and restructuring approach, applying prudential principles, conducting regular monitoring and monitoring of financial performance and credit risk so that cooperatives can make quick and appropriate decisions to maintain financial stability and operational sustainability.

Program "Giat Menabung, Celengan Ceria" merupakan inisiatif pengabdian masyarakat yang dilaksanakan di TK Pertiwi 1 Koripan untuk menumbuhkan budaya menabung sejak usia dini. Program ini dilatarbelakangi oleh rendahnya literasi keuangan di Indonesia dan belum adanya program khusus tentang edukasi keuangan di TK Pertiwi 1 Koripan. Metode pelaksanaan program meliputi tiga tahap utama: perencanaan, persiapan, dan pelaksanaan. Kegiatan dilakukan melalui pendekatan edukatif dan kreatif, melibatkan pemutaran video edukasi, bernyanyi bersama, dan praktik menghias celengan. Hasil program menunjukkan tingkat partisipasi mencapai 100% dari 20 peserta didik, dengan 90% peserta aktif dalam sesi tanya jawab dan 95% berhasil menyelesaikan praktik menghias celengan secara mandiri. Program ini berhasil memperkenalkan konsep menabung kepada anak-anak melalui metode yang menyenangkan dan sesuai dengan tahap perkembangan mereka. Kata Kunci: menabung, anak usia dini, celengan

This study aims to determine the application of marketing strategies to the number of savings at PT. Bank Sumut Syariah Sub-Branch Office Marelan Raya, knowing the SWOT analysis in the application of marketing strategies to the number of savings, and knowing opportunities and challenges to the amount of savings at PT. Bank Sumut Sharia Sub-Branch Office of Marelanfood. Research is a qualitative type of research, the method of this research arises because there is a change in paradigm in viewing a reality or phenomenon. The data collection techniques use observation, interviews, and documentation. For data analysis techniques use data collection, data reduction, data presentation, and conclusion drawings, while triangulation is triangulation of sources, techniques, and time. The results of this study indicate that the marketing strategy of savings products in increasing the number of savings at PT. Bank Sumut Syariah KCP Marelan Raya is done with a 7P marketing mix, namely Product (product) Place (place), Price (price), Promotion (promotion), People (people), process (process), and physical evidence (physical evidence The challenge of marketing strategies is the lack of knowledge from the public about what products are offered at PT. Bank Sumut Sharia Parield Assistant Branch Office and its opportunities namely PT. Bank Sumut Syariah KCP Marelan Raya further increases socialization so that the public knows the product of PT. Bank Sumut Sharia Sub-Branch Office of Marelanfood.

This research aims to determine and analyze the influence of marketing communications and trust on people's interest in using smart Ib savings at Bank Sumut Syariah Kcp Marelan Raya. The research methodology used is quantitative research using a sampling technique using a saturated sample with a total of 100 respondents. The data collection technique uses a questionnaire processed using SPSS version 26 for Windows. Data analysis uses multiple linear regression. Based on partial research results, the marketing communication variable has a positive and significant effect on people's interest in using Smart Ib savings with a calculated t value of 20,037 > 1.984 and a significant value of 0.000 < 0.05, and trust does not have a positive and significant effect on people's interest in using Smart Ib savings with a value of t count is 0.643 < 1.984 and the significant value is 0.522 > 0.05. And simultaneously it shows that the marketing communication and trust variables have a significant and positive effect on people's interest in using Smart Ib savings with a calculated f value of 205,431 > f table 2.70 and a significant value of 0.000 < 0.05

Sharia cooperatives are Sharia-based economic institutions that play a strategic role in empowering the economy of the Muslim community. By adhering to principles such as the prohibition of riba (usury), gharar (uncertainty), and maysir (gambling), as well as implementing profit-sharing systems (mudharabah or musharakah), Sharia cooperatives provide a fair, transparent, and inclusive alternative to support economic activities in society. These cooperatives aim not only to achieve financial gains but also to fulfill social missions, such as poverty alleviation, equitable welfare distribution, and holistic improvement of the community’s quality of life. Various products and services offered—such as Sharia savings, halal financing, and Sharia-compliant investments—provide financial solutions that align with Islamic values and meet societal needs. Nevertheless, the implementation of Sharia cooperatives faces several challenges, including limited public understanding, competition with conventional financial institutions, and constraints in human resources and capital. Through public education, capacity building for cooperative managers, and comprehensive government policy support, Sharia cooperatives hold great potential to become a key instrument in fostering a more just, equitable, and sustainable economy. This study emphasizes the importance of integrating Sharia values into cooperative management to ensure its contribution to the sustained welfare of the community.

Evaluation of PAK Performance Discipline in PPA IO 0164 Bethlehem Rote Activities. In this study, researchers found problems such as undisciplined performance in terms of time and responsibility as a mentor to mentor children at PPA IO 0164 Bethlehem Rote. Mentors who often arrive late for class. Mentors who are not responsible for teaching in class. There are even mentors who cannot be role models for children. The aim of this research is to reveal the causes of indiscipline in mentor performance and how to overcome it through the method that the researcher has prepared, namely a qualitative method with a research design, namely observation, interviews and literature study. Based on research findings, it is stated that there are still many mentors who do not carry out their responsibilities well. The most dominant reason for some mentors not being disciplined in their performance is that they have other work that interferes with their responsibilities as a mentor in PPA IO 0164 Bethlehem Rote activities. Apart from that, there are already disciplinary measures for mentors who are still undisciplined, but there are still mentors who still do it. The solution that researchers can provide is that a mentor must be able to understand that what he does as a mentor is a calling to be carried out because taking care of and even saving children through mentoring at PPA is a very significant responsibility.

Road maintenance is a strategic effort to support community mobility and economic development. This study aims to determine the optimal duration and analyze the cost impacts of implementing the Time Cost Trade Off (TCTO) method. The method is applied through critical path analysis and adding overtime hours to reduce the project duration. Data is collected from project documents such as daily reports, S-curves, and cost budget plans, then analyzed using Microsoft Project software. The results show that the project duration can be shortened to 117 days with an additional cost of IDR 176,614,724.00, which is lower than the potential delay penalty of 1% per day. This adjustment leads to a time savings of 8.6% without causing significant changes to the project's organizational structure. The TCTO method proves to be a practical solution for addressing delays while maintaining a balance between time and cost.

The interest rate in the Iraqi economy represents an active and important element in the management of monetary policy in the Iraqi economy, as it is used by the monetary authority represented by the Central Bank of Iraq to influence the money supply, as well as the impact of this also by allocating the available resources for savings among foreign investments to achieve the central goal of the monetary authority of achieving stability in prices such as the interest rate and various prices and values of investments together and thus achieve balance at the economic and financial levels. This research analyzes the relationship between interest rate changes (IRC) and foreign direct investment (FDI) in the Iraqi economy during the period from (2004-2023). Multiple analytical tools were used, including descriptive statistics, correlation analysis, time series analysis, and prediction models using ARIMA and Prophet. The results showed an association between the two variables under consideration, with the ability of the ARIMA and Prophet models to provide accurate forecasts of future   FDI trends. A quantitative methodology that includes descriptive statistics, correlation analysis, time series models, and forecasting tools has been adopted to clarify the relationship between the two variables and draw conclusions that support economic decision-making.

The program Smart Saving Education: Building Financial Habits Among Elementary Students of SDN 168 Sinar Bhakti Village was conducted as part of the 34th Community Service Program (KKN) by Universitas Baturaja. This activity aimed to enhance financial literacy among elementary school students from an early age. The main problem identified is the low awareness among children regarding the importance of saving and prudent money management. This program employed an interactive socialization method involving visual aids, educational games, and group discussions to facilitate understanding. The activity was conducted in a one-day session involving 40 students from grades 4, 5, and 6 of SDN 168 Sinar Bhakti. The results indicated improved understanding among students about the importance of saving, as reflected in their ability to explain the benefits of saving, prioritize needs, and create simple plans to save money. Moreover, most students expressed high enthusiasm to start saving independently. The activity also fostered a culture of discussion among students, teachers, and parents regarding basic financial management. These findings indicate that interactive education approaches are effective in fostering good financial habits among children. This program is expected to be a starting point for the sustainable development of financial literacy among younger generations.