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MSMEs play an important role in the village economy, but many business actors still face obstacles in managing finances and marketing their products effectively. This community service aims to improve the understanding and skills of MSME actors in Kertomulyo Village, Trangkil District, Pati Regency in terms of financial management and marketing strategies. This training is carried out through an easy-to-understand approach, including simple financial recording, business capital management, and digital marketing strategies using social media. Participants are trained to record income and expenses systematically so that they can better understand the financial condition of their business. In addition, they are also taught how to promote products online in order to reach a wider market. The results of this activity show an increase in the participants' understanding and skills in managing finances and implementing more effective marketing techniques. With this training, it is hoped that MSMEs in Kertomulyo Village can develop more rapidly, increase competitiveness, and expand their marketing networks.

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 study examines the effectiveness of reward management strategies in increasing the loyalty of MSME employees in the digital era. Using a quantitative approach with a sample of 10 MSMEs in Indonesia for the 2020-2024 period, the study analyzed the relationship between the reward management component and employee loyalty, with the level of digitalization as the moderator variable. The results of hierarchical multiple regression analysis showed a significant positive relationship between all components of reward management and employee loyalty, with financial compensation (r = 0.68) and recognition system (r = 0.62) as the strongest predictors. The level of digitalization has been shown to significantly moderate the relationship, with highly digitized MSMEs showing an average increase in employee loyalty of 12.5% per year. Variations in effectiveness were found based on the characteristics of MSMEs, where the service sector showed higher elasticity towards the implementation of the digital reward system. This research contributes to the development of an adaptive reward management framework for MSMEs in the digital era, as well as providing practical implications for optimizing employee retention strategies in the MSME sector.  

Human Resource Management (HRM) is a critical determinant of organizational productivity and competitiveness in the era of globalization and digital transformation. This study employs a Systematic Literature Review (SLR) approach to synthesize empirical findings on HRM strategies published between 2019 and 2024. The review identifies six key domains of effective HRM: competency-based recruitment, continuous training and upskilling, transparent performance evaluation, reward and incentive systems, workforce diversification and inclusion, and technology-enabled HRM. Evidence demonstrates that competency-driven recruitment reduces turnover and enhances job fit, while continuous training fosters innovation and adaptability. Transparent evaluation systems increase motivation and fairness, and balanced reward packages combining financial and non-financial recognition improve retention and engagement. Workforce diversification enhances problem-solving and innovation when paired with inclusive leadership practices. Technology integration, particularly HRIS and people analytics, streamlines processes and strengthens decision-making. Importantly, bundled strategies yield stronger productivity outcomes than isolated interventions, with improvements occurring through capability, motivation, and coordination pathways. The findings underscore the need for organizations to align HRM practices with strategic goals and global trends. This study contributes to HRM literature by providing evidence-based insights and offers practical guidance for managers seeking to enhance productivity in competitive environments.

Technological developments in the Digital Era 5.0 have significantly changed the landscape of the accounting profession. Artificial intelligence (AI), big data, blockchain, and the Internet of Things (IoT) are the main factors influencing the transformation in the world of accounting. Accountants are no longer just playing the role of recorders of financial transactions, but are also required to have in-depth data analysis skills and an understanding of new technologies that support efficiency and accuracy in financial management. The biggest challenge faced is the automation of various tasks that were previously done manually, which can reduce the need for conventional accountants. However, on the other hand, this development also opens up opportunities for accountants to increase their role in financial analysis, business planning, and technology-based risk management. This socialization activity aims to provide an understanding to accounting students and high school students regarding the role and challenges of the accounting profession in the digital era. Through a community service program in the form of a Focus Group Discussion (FGD), participants were given insight into the importance of adapting to technological developments and strategies that can be applied to stay relevant in the world of work. The results of this activity showed that the students involved gained a better understanding of the digital transformation in the accounting profession and the importance of developing technology-based skills. Thus, it is expected that future accountants can improve their competitiveness and be ready to face changes in the increasingly digital and complex business world.

Micro, small, and medium enterprises (MSMEs) have an important role in the Indonesian economy, but many business actors still face challenges in systematic and transparent financial records. The Pituin Coffee House, as one of the MSMEs in the culinary sector, faces obstacles in managing bookkeeping effectively. Therefore, digital financial bookkeeping training and assistance are carried out using the YouTap POS application to improve the efficiency and accuracy of financial records. The methods used in this activity include training sessions, hands-on practice, and intensive mentoring to ensure optimal understanding and implementation. The results of this program show that the use of the YouTap POS application is able to improve financial management skills, make it easier to monitor transactions, and support better business decision-making. With the digitization of bookkeeping, it is hoped that MSMEs such as The Pituin Coffee House can be more developed and competitive in the digital era.

The use of digital technology in financial management has rapidly developed, with financial management applications, fintech services, and digital banking platforms becoming increasingly popular, including in Indonesia. This study aims to identify the benefits and challenges faced by society in adopting digital technology for financial management. The results show that digital technology provides broader access to financial services, enhances financial literacy, and facilitates efficient budget and investment management. Additionally, fintech helps SMEs access financing. However, challenges such as low digital literacy, data security issues, and limited access to technology in certain areas remain significant barriers. Therefore, educational programs and financial inclusion policies are necessary to maximize the potential of digital technology in financial management. Overall, digital technology can have a positive impact on financial management in society, provided that risks are mitigated, and accessibility is improved.

Micro, small and medium-sized enterprises (MSMEs) have the potential to generate new jobs, offer diverse economic services to society, and contribute to accelerating national growth and stability. Of course, MSMEs are a very important sector of the national economy that can affect the lives of people in general.One of the objectives of this research is to find solutions to the problems found in the business information system of Dim Sumeya MSMEs in Pangandaran. Furthermore, data collection techniques are applied through observation and interview stages. This study was carried out by applying descriptive qualitative techniques which include analysis, summary of phenomena, as well as direct depiction of phenomena from data obtained through observations and interviews. The study collected information through interviews with the owner of Dim Sumeya. The results indicated that Dim Sumeya has not maximised its digital financial transaction recording and still does it manually. As a result, the author recommends the use of the BukuWarung application. Through this application, Dim Sumeya can support their micro, small, and medium enterprises (MSMEs) in the management of the financial system, thus minimising the risks associated with using the application.

This study aims to analyze the influence of e-money usage and financial literacy on the consumption behavior of accounting students in Batam City. E-money as a digital payment method has become increasingly popular among the younger generation, while financial literacy plays an important role in effective personal financial management. The study uses primary data collected from questionnaires distributed to 97 accounting students in several universities in Batam, as well as secondary data from interviews with 10 accounting students regarding e-money and financial literacy. The results show a positive correlation between high financial literacy and wise financial management, which in turn influences students' consumption behavior. Additionally, the use of e-money plays a significant role in facilitating transactions and changing consumption patterns. Simultaneously, all three variables have a significant impact with a coefficient of determination (R²) of 38.5%. The findings are expected to provide insights for relevant stakeholders in designing more effective financial education programs and promoting the use of e-money among students.

This study aims to analyze the influence of e-money usage and financial literacy on the consumption behavior of accounting students in Batam City. E-money as a digital payment method has become increasingly popular among the younger generation, while financial literacy plays an important role in effective personal financial management. The study uses primary data collected from questionnaires distributed to 97 accounting students in several universities in Batam, as well as secondary data from interviews with 10 accounting students regarding e-money and financial literacy. The results show a positive correlation between high financial literacy and wise financial management, which in turn influences students' consumption behavior. Additionally, the use of e-money plays a significant role in facilitating transactions and changing consumption patterns. Simultaneously, all three variables have a significant impact with a coefficient of determination (R²) of 38.5%. The findings are expected to provide insights for relevant stakeholders in designing more effective financial education programs and promoting the use of e-money among students.

The limited knowledge of MSME entrepreneurs in Binjai Estate in managing their business finances affects the business continuity of MSMEs, causes errors in determining the amount of the cost of goods sold resulting in errors in determining the amount of the selling price, resulting in difficulty of increasing competitiveness which will affect the level of sales and profits of MSMEs. The purpose of these activities is to help MSME players increase their sales by providing simple financial management training and promoting their merchandise through social media and online shops so that later they can increase MSME sales. The methods used are observation, interview, and documentation methods. The results of this service activity are that Bandrek Jahe Merah and Gedebog Pisang MSMEs can already recognize the importance of business financial management and identify company assets to be separated from personal assets. However, further training is needed to assist businesses in making budgets and determining the cost of production and the cost of goods sold to determine the selling price of their products.

This community service aims to improve the entrepreneurial competence of the Mekar Jaya Village community, Cilamaya Kulon District, Karawang Regency, through training and mentoring for local potential-based businesses. A qualitative approach was used in this activity by involving observation, interviews, and focus group discussions (FGD) with the community and micro-business actors. The program implementation includes three stages: preparation, training, and mentoring. The results of the activity show that the community has great potential in developing local products, but faces obstacles such as lack of knowledge of business management, digital marketing, and product innovation. Through entrepreneurship training, there was an increase in participants' understanding in managing a business, especially in terms of financial planning and marketing strategies. Business mentoring helped participants apply the knowledge they had gained, which was seen from the increase in product quality and market access. The findings also revealed that the success of the activity was greatly influenced by the enthusiasm of the participants and the active involvement of the facilitators. This activity has a positive impact on increasing public awareness of the importance of entrepreneurship as an effort to improve economic welfare. This program is expected to be a model of sustainability that can be applied in other villages by adjusting to their respective local needs and potentials.

Agrotechnology plays a crucial role in increasing agricultural productivity through the implementation of modern innovations and technologies. Challenges such as land degradation, climate change, and limited natural resources can be addressed through precision technology, smart irrigation, biotechnology, and agricultural mechanization. This study employs a literature review method by analyzing various studies from 2019 to 2024 that discuss the impact of agrotechnology on agricultural yields. The findings indicate that the application of precision irrigation systems can enhance water use efficiency by up to 40%, while the use of genetically engineered superior crop varieties can increase yields and improve plant resistance to pests and diseases. Additionally, the utilization of digital technology, such as the Internet of Things (IoT), enables more efficient and data-driven land management. However, major challenges in implementing these technologies include limited farmer access, high investment costs, and low digital literacy among farmers. Therefore, policy support, financial incentives, and farmer training are necessary to ensure the widespread and sustainable adoption of technology. Thus, agrotechnology can serve as a primary solution for increasing agricultural productivity while maintaining environmental sustainability.

This study evaluates the impact of an AI-driven nutritional monitoring system in hospital settings, focusing on its effectiveness in reducing food waste and improving the accuracy of dietary assessments. Traditional food waste management and nutritional tracking methods in hospitals often suffer from inefficiencies, inaccuracies, and time constraints. In contrast, the AI-based system utilizes advanced technologies, including 3D scanners, digital scales, and image recognition, to optimize food production, minimize waste, and provide more accurate and timely nutritional assessments. The results of this study show a 31% reduction in food waste and a 40% improvement in the accuracy of nutritional assessments after implementing the AI system. This system enhances meal planning, portion control, and real-time tracking of food intake, offering personalized recommendations based on patient needs. The AI system also streamlines the nutritional assessment process, reducing labor-intensive procedures and providing real-time feedback to clinicians, which helps improve patient care and reduce errors associated with traditional methods. Furthermore, the environmental and financial implications of adopting AI technologies in healthcare are significant. The reduction in food waste not only helps lower hospital costs but also contributes to sustainability goals by reducing resource consumption, including water, land, and energy. This study underscores the potential of AI-driven systems to improve healthcare operations, support sustainability, and enhance patient outcomes. Future research should focus on expanding the application of AI in other healthcare sectors and further exploring its integration with other technologies for comprehensive healthcare solutions.

Background: Digitalization is fundamentally reshaping health financing, enabling more efficient management of healthcare resources, improving service delivery, and increasing accessibility. This systematic review explores the intersection of digital tools and financial health systems, examining their transformative potential.Objective: The primary aim of this review is to identify the impact of digitalization on healthcare financial management, highlighting its benefits and addressing the challenges that arise during its implementation.Methods: A systematic review of 10 studies was conducted, focusing on digital health financing and employing PRISMA guidelines to ensure rigorous selection and analysis. The data extraction process identified thematic relevance, methodological rigor, and contextual insights.Results: The findings reveal that digitalization enhances resource allocation, patient accessibility, and administrative efficiency. Technologies such as blockchain and artificial intelligence optimize transparency and predictive financial modeling. However, significant challenges include data security vulnerabilities and the integration of digital tools with legacy systems.Conclusion: Digital technologies present transformative potential for healthcare financing. However, strategic implementation, robust governance, and cross-sector collaboration are critical to overcoming challenges and maximizing the benefits of digitalization. By addressing these needs, digitalization can create sustainable, inclusive, and equitable healthcare systems for the future.

This study examines strategies to increase financial literacy to encourage the growth of MSME financial performance in Semarang Regency. Using a qualitative approach, the study involved 120 MSMEs with data collection through in-depth interviews, observations, and focus group discussions. The results of the study show that the condition of financial literacy is still low, with 65.3% of MSMEs not doing regular financial records, 77.5% mixing business-personal finance, and 81.7% lacking understanding of financial products. Structured mentoring programs with a holistic approach have proven to be effective in increasing the financial management capacity of MSMEs, marked by an increase in turnover (35.2%), operational efficiency (24.7%), and access to capital (19.8%). Multi-stakeholder collaboration and digital technology integration are key factors in the success of the program. The research results in a financial literacy development framework that can be adapted for implementation in other regions.

This community service activity aims to improve the financial management ability of Micro, Small, and Medium Enterprises (MSMEs) chips in Tunggulsari Village, Brangsong District, Kendal, Central Java. Given the limited access to technology, the mentoring approach is carried out flexibly, combining manual and digital methods. Training focuses on using notebooks, simple tables, and calculators. For MSMEs that have access to smartphones, training is given on using simple financial recording applications. The activity results showed a significant improvement in the ability of MSMEs to record transactions and understand simple financial statements. Despite the obstacles to access to technology, this activity has succeeded in increasing financial capacity with an adaptive approach. Thus, it is hoped that MSMEs in Tunggulsari Village can make better business decisions and improve the competitiveness of MSME chips.

This study aims to analyze the effect of financial literacy and risk perception on impulsive consumptive behavior on students of the Faculty of Economics, Sheikh Abdul Halim Institute impulsive consumptive behavior in students of the Faculty of Economics, Sheikh Abdul Halim Hasan Institute Binjai. Using a quantitative approach with an explanatory survey method, this study involved 56 respondents selected using accidental sampling technique. The regression analysis results show that financial literacy has a significant positive effect on consumptive behavior (B = 1.157; sig. = 0.000), while risk perception has a significant negative effect (B = -0.555; sig. = 0.017). Simultaneously, these two variables contribute significantly to consumptive behavior with a coefficient of determination (R²) of 61.4%. The results of this study reveal that high financial literacy can increase the tendency of consumptive behavior due to increased confidence in financial management, while high risk perception can suppress consumptive behavior through awareness of potential losses. This study emphasizes the importance of a holistic approach in the formation of healthy financial behavior, involving the improvement of financial literacy as well as education related to risk perception. The findings are expected to contribute to the development of more effective financial education strategies for economics students. 

The integration of digital technologies such as artificial intelligence (AI), blockchain, and big data analytics into financial risk management has substantially altered operational dynamics within various industries. This paper explores the dual-edged impact of these technologies, emphasizing both the opportunities they create and the challenges they present. Opportunities discussed include enhanced decision-making through advanced data processing, increased transactional transparency and security via blockchain, and improved operational efficiencies through automation. Conversely, the challenges encompass heightened cybersecurity risks, evolving regulatory compliance demands, costly technological integrations, and the emerging skill gaps in managing these digital tools. The paper further investigates the implications of these transformations for different sectors including banking, SMEs, and the construction industry. Each sector faces unique challenges and benefits from the adoption of these technologies. Future trends suggest a continued evolution influenced by technological innovation and regulatory changes. The paper underscores the necessity for ongoing research and adaptive strategies to fully leverage digital advancements in managing financial risks. By understanding these dynamics, financial institutions can better navigate the complexities of the digital age, ensuring robust risk management and a competitive edge in the global market.

Community service activities are carried out in Gunung Putri Village, Gunung Putri District, Bogor Regency. This activity aims to provide support and solutions to the challenges faced by Micro, Small and Medium Enterprises (MSMEs), especially in terms of improving product quality, business management, and market access through training programs, and community counseling. The communities involved can gain new knowledge and skills that can improve the competitiveness of their businesses. These activities include digital marketing training, simple financial bookkeeping, and strengthening local and online marketing networks. In addition, the sustainability of MSME businesses is the main focus, by providing an understanding of the importance of product innovation, knowing the basics and procedures for conducting digital bookkeeping and financial reporting and efficient resource management. The expected result of this community service activity is the creation of MSMEs that are more independent, highly competitive, and able to adapt to technological developments including in terms of financial management. The long-term impact of this program is expected to contribute to the improvement of the local economy in the region.