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According to the Indonesian Statistics Agency (BPS), economic growth in 2023 is estimated to remain strong in the range of 5.05% (yoy), this economic growth is better compared to the last two years considering that the government continues to optimize the recovery period from Covid-19. According to Sadono Sukirno (in Puspitasari et al., 2024) one of the policies to accelerate the development process is to increase government savings, the savings rate Economic growth can be interpreted as a process of increasing the value of output per capita in the long term. The purpose of this study is to determine the effect of Tax Revenue, Foreign Investment (PMA), Domestic Investment (PMDN) on economic growth in Indonesia. This study uses a quantitative approach using time series data sourced from the Central Statistics Agency of Indonesia (BPS) for 2014-2023. The data analysis technique uses multiple regression analysis using the E-views 10 program. The results of the study determine that tax revenue has a significant effect on economic growth in Indonesia, foreign capital revenue (PMA) has a negative and insignificant effect on economic growth, while domestic capital revenue (PMDN) has a positive and significant effect on economic growth.

Electricity theft is an activity that is detrimental to the state where PLN as the party that distributes electricity has unknowingly lost its main commodity without any reciprocity in the form of payment. To overcome electricity theft, Execution of Electricity Use (P2TL) is carried out. Implementation of Electric Power Use (P2TL) is an activity to control electricity users who do not comply with installation standards. P2TL activities include planning, inspection, technical and/or legal actions and settlements carried out by PLN on PLN installations and/or Electric Power User installations. P2TL activities carried out in the Koba area from October to December 2023 found 3 violations in the area. The kWh saved as a result of P2TL from October to December was 21,480 kWh. From the kWh savings obtained, the highest loss was in October of 0.47% and the loss obtained without P2TL kWh savings was 0.48%. So that the kWh savings obtained from P2TL can reduce Non-Technical Losses. The more P2TL violations are found, the higher the reduction in losses obtained by PT PLN (Persero) ULP Koba. 

The role of financial literacy is very important in improving family welfare, especially in managing household income and expenses. Housewives, as the main manager of family finances, need a deep understanding of how to manage finances wisely. This educational program is designed to provide and improve the understanding of housewives in Klambir 5 Medan city about financial literacy. The activity methods used in this service include the presentation of financial literacy material accompanied by relevant examples, conducting interactive discussions and questions and answers to participants, and providing recommendations for financial strategies in realizing household financial welfare. Then provide assistance, and evaluate financial management practices carried out by participants in Klambir 5 Medan City in managing their household finances. The results of the program showed a significant increase in the participants' ability to manage family budgets, saving habits, and reduction of consumptive debt. The researcher also proposes a sustainable empowerment model to strengthen the impact of the program in various communities.

Reconstructionism is a school of educational philosophy that aims to reshape society through radical educational reform. Rooted in a critique of progressivism, it emerged as a response to social and economic stagnation and the desire to make education an agent of social change. Its leading figures, such as George Counts and Harold Rugg, inspired by the thought of John Dewey and Theodore Brameld, advocate for an education that is able to deal with global challenges, including moral, social and environmental issues. Reconstructionism argues that education is not only responsible for shaping individuals, but also plays a role in building a just and equal society. The principles of this school emphasize the important role of education in dealing with the global crisis, as well as the need for a relevant curriculum to foster students' character and morals. This school places teachers as agents of change who play an important role in guiding students to face the challenges of the times, as well as designing a curriculum that prioritizes social interests. Thus, reconstructionism emphasizes the importance of education in saving civilization through the formation of character, morality, and a new, more humanist culture.

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

This community service aims to optimize bank management in Mengwi Village, Mengwi Regency in an effort to increase efficiency, effectiveness and positive impacts from the existence of waste banks in waste management, which steps will provide efforts for community empowerment and participation. The implementation method used in this service is training, mentoring and evaluation by delivering material directly to the Waste Bank manager in Mengwi Village which is also used as an object of service.The problem faced during the survey was how to raise awareness and involvement of the community to take an active role in the waste bank program. It is hoped that this training and mentoring activity will provide management with education and understanding to the community so that they can work together to maximize the contribution of the waste bank in an effort to manage waste from origin using the 3 R (Reduce, Reuse, Recycle), which ultimately aims to reduce the volume of waste entering the waste bank. landfill, increasing environmental awareness and impacting community welfare. The response from the Mengwi Village Waste Bank management to this activity was very good and positive, this can be seen from the management's willingness to participate in the activity from start to finish. From the evaluation activities carried out on waste bank managers, it can be said that managers understand the material regarding the importance of providing understanding to the community to participate in developing waste banks. Where in their involvement, the community not only gets a healthy environment, but from an economic perspective, the community also gets benefits by having savings on tires. The savings can later be exchanged for basic necessities such as rice, sugar and coffee.

This research aims to design and develop a motion detection-based automatic light control system with a light intensity setting feature using IoT technology. The system utilizes a combination of PIR sensor, MOSFET module, and Arduino Uno microcontroller to control lighting based on the presence and position of the user. With an adaptive control algorithm, the lamp can dynamically adjust the lighting intensity to several levels as needed. Test results show that the system successfully reduces energy consumption optimally without reducing user comfort. The implementation of this technology has great potential in supporting energy efficiency in public areas, such as parks, office hallways, and sidewalks.

This study aims to analyze the marketing strategy of PT Bank Perkreditan Rakyat (BPR) Swadaya Anak Nagari in attracting people's interest in saving money in Bandarejo Hamlet 1, West Pasaman Regency. A qualitative approach was used through field method with interviews, observation, and documentation. Research results showed that PT BPR Swadaya Anak Nagari implements four main marketing strategies: product strategy, price, and documentation. four main marketing strategies: product, price, promotion, and location strategies. Featured products such as KMB Savings (Kacio Mingguan Bajapuik) offers a savings collection service from the customer's home, making it easier for customers to save. service from the customer's home, providing convenience for people who find it difficult to reach bank locations. reach the bank's location. Direct promotion strategy through personal communication is the main key to success, building a close relationship between customers and the bank. bank. The strategic location of the bank office also contributes to the ease of access services. However, interest in saving, especially among teenagers and young adults, still low due to limited facilities such as ATM cards and mobile banking services. banking services. This finding highlights the need for the development of digital innovations to increase product appeal and expand market share. Research concluded that promotional strategies dominate in increasing the number of customers, while adapting to technology needs is a challenge to encourage wider to encourage wider interest in saving. This research provides important insights important insights for the management of marketing strategies in the local banking sector.

The manual payment system for Education Development Contributions (SPP) and student savings at SMP Putra Bangsa faces various obstacles, such as recording errors, loss of proof of payment, and difficulty tracking transaction history. This study aims to develop a web-based information system to overcome these problems. The research method involves needs analysis, system design using the Unified Modeling Language (UML), and web-based implementation. The results show that the designed system can simplify the transaction process, improve recording accuracy, and provide transparent access for students, homeroom teachers, and administration. This system is also able to produce real-time financial reports to support management decision making.

This research examines the effect of bricks enhancement with phase change material (PCM) consisting of paraffin on their thermal considerations. The experimental methods were aimed at investigating the mechanisms of temperature transfer throughout the thermal rounds, mimicking diurnal fluctuations of temperature. Due to the high amount of latent heat contained in paraffin a portion of it was transferred into regular bricks with temperature probes tracing the heat processes. It is shown that enhancement of bricks with PCM reduced temperature range and controlled the rate of heat transmission more than the ordinary bricks did. It was significant that the PCM-embedded bricks did not drift in heat and were able to stock up excess heat during the day and release it at night which resulted in monumental energy efficiency and comfort in thermal standing. The conversation additionally seeks to bring out the function of paraffin in insulation which does not only save energy consumption but goes forward to maintain comfortable temperatures within the building. The study finally achieved its goal and assert that energy saving with the use of PCM enhanced bricks in construction makes it a preferable material in regards to energy and the fight against climate change.

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

The construction industry is one of the sectors that has a significant impact on environmental damage due to high energy consumption, exploitation of natural resources, and carbon emissions. In response to these challenges, this study aims to analyze the potential for implementing sustainable construction materials to support the development of green infrastructure. Using qualitative methods through literature studies, documentation, observation, and in-depth interviews, this study evaluates the advantages, challenges, and economic and environmental impacts of various innovative materials, such as foam glass, green wall systems, bamboo composites, eco-cement, and mycelium-based blocks. The results show that these materials are able to reduce carbon emissions, increase building energy efficiency, and offer long-term cost savings. Mycelium-based blocks, in particular, are recorded as the most effective material in reducing construction costs by up to 25% and CO₂ emissions by 250 kg per project. However, the implementation of sustainable materials in Indonesia still faces obstacles such as cost, material availability, and technical regulations. Therefore, synergy is needed between the government, academics, and industry in encouraging research, preparing technical standards, and public awareness campaigns to expand the adoption of environmentally friendly materials in the national construction sector.

This study aims to analyze strategies for product innovation in Islamic finance to enhance financial inclusion, a significant challenge in countries with large Muslim populations such as Indonesia. The research employs a qualitative approach, utilizing data from various literature sources, including academic journal articles, reports from Islamic financial institutions, and government regulations. The findings reveal that Islamic financial product innovation can be categorized into new product development, digital technology adoption, improvement of Islamic financial literacy, and cross-sectoral collaboration. Products such as microfinance based on Sharia contracts, digital waqf savings, and technology-driven Takaful insurance exemplify innovations aligned with modern societal needs. Additionally, Islamic fintech platforms have expanded financial access for remote communities, despite challenges such as low digital literacy and limited infrastructure. Islamic financial literacy emerges as a crucial element influencing public trust and participation in formal financial systems. In practice, cross-sector collaboration among Islamic financial institutions, governments, and the technology sector serves as a strategic approach to address regulatory barriers, competition with conventional sectors, and inconsistent global standards. This study recommends strengthening regulations, enhancing financial literacy, developing inclusive digital technologies, and fostering international cooperation to support the sustainable growth of the Islamic finance sector. With integrated strategies, Islamic finance holds significant potential not only to improve financial inclusion but also to create a fairer, more inclusive financial system that aligns with Islamic values in the modern era.

This research aims to examine the role of environmental management in supporting the development of sustainable tourism at Asstro Highland Ciater. Apart from that, this researcher aims to find out and evaluate the concept of environmental management in order to preserve the environment. The background of this writing is because this tourist attraction relies heavily on nature. so environmental management is very important to study, several problems that want to be discussed include: 1. waste management that is not yet optimal 2. increased use of natural resources such as water and energy that is not controlled 3. as well as low awareness of tourists and local communities which has an impact on damage to local ecosystems, the method used includes in-depth interviews with tourist attraction managers and local communities to identify policies and managerial practices implemented in environmental management. Apart from that, field observations were carried out to assess environmental conditions and interactions between visitors and the natural surroundings. The main results obtained from this research were: 1. Efforts to reduce plastic waste 2. Conservation measures which include the use of water-saving equipment and energy use 3. Management can provide education to tourists regarding the importance of maintaining cleanliness and preserving nature, from this research it can recommend the development of ecotourism and strengthening sustainable tourism branding through preserving nature. 

The increasing frequency and severity of tsunamis in coastal areas underscore the urgent need for efficient Tsunami Early Warning Systems (TEWS). This research aims to optimize TEWS by integrating fast computational tsunami wave modeling to enhance prediction speed and accuracy. The study utilizes numerical simulations employing finite volume methods, along with GPU acceleration, to model tsunami wave propagation and its impact on coastal areas. Machine learning techniques, such as regression trees, are incorporated to analyze large datasets of pre-computed tsunami simulations for accurate forecasting. The results reveal that by applying rapid computational methods, detection time can be reduced by up to 7 minutes, particularly for near-field tsunamis. This significant time-saving enables more effective evacuation procedures and better disaster mitigation efforts. In comparison to conventional systems, the fast computation model also provides more accurate predictions, including tsunami heights and arrival times. The implications of these findings suggest that fast computational methods can substantially improve the current TEWS, allowing for quicker and more reliable tsunami warnings. Moreover, the integration of advanced machine learning techniques ensures the system's adaptability and robustness in predicting tsunami behaviors based on varying data inputs. The potential for implementing this model in tsunami-prone regions worldwide is considerable, offering an improved approach to tsunami disaster preparedness and response. By reducing detection time and enhancing prediction accuracy, the optimized TEWS can significantly minimize loss of life and infrastructure damage, making it a valuable tool for global disaster management strategies.  

Household financial management is a crucial factor in maintaining family financial stability, particularly in the face of economic uncertainty. This study examines the strategies employed by households in managing their finances, including budgeting, expenditure control, savings, and investment, as well as the challenges encountered during economic crises. Through a combination of literature review and case studies, the research reveals that households with clear financial planning and adequate emergency funds are more resilient in times of crisis, such as the COVID-19 pandemic. Factors such as income levels, education, and financial literacy significantly influence household financial decisions, while consumption patterns driven by social media often present a challenge. Effective strategies identified include strict budgeting, reducing non-essential expenditures, and prioritizing long-term savings and investments. This study underscores the importance of financial literacy and awareness in household financial management as key to achieving financial stability amidst global and domestic economic uncertainties.

Koperasi Simpan Pinjam (KSP) Maju Mapan Jaya is one of the cooperatives engaged in savings and loans. In an effort to provide maximum service to customers, KSP Maju Mapan Jaya has collectors who are tasked with collecting credit installments and taking customer savings deposits directly to the customer's location for the convenience and security of customer funds.Transaction recording is still done manually by cooperative collectors by recording in the savings ledger or loan ledger and then submitting it to the cooperative office. Partners expect assistance in the application of information technology, especially the digitization of collector transaction data to minimize obstacles in the field. The purpose of this community service activity is to help partners provide assistance and implement a digital-based collector transaction data information system.

The global clean water crisis is exacerbated by significant losses in water distribution networks (WDNs), resulting in inefficient use of both water and energy resources. Traditional methods of leak detection and pressure management often fail to address these inefficiencies, leading to substantial water wastage and high operational costs. This research aims to design a sustainable, smart water distribution system using advanced technologies such as Machine Learning (ML) for leak detection and automated pressure control. The system employs real-time monitoring through IoT sensors, which continuously gather data on water pressure, flow rates, and other critical parameters. This data is analyzed using various ML algorithms, including supervised and unsupervised learning models, to detect anomalies indicative of leaks. Additionally, the system integrates automated pressure control mechanisms that dynamically adjust pressure to prevent over-pressurization, reducing both water loss and energy consumption. By combining leak detection and pressure control, the proposed system offers a more efficient, sustainable solution to water resource management compared to traditional methods. The expected outcomes include a significant reduction in water loss, enhanced energy efficiency, and improved water service quality. However, the implementation of such a system in rural or small-town infrastructure faces challenges, including sensor maintenance, algorithm reliability, and regulatory issues. A cost-benefit analysis suggests that while the initial investment in smart technologies may be high, the long-term savings in water and energy costs outweigh these costs. This study underscores the potential of ML-based systems in enhancing water conservation, operational efficiency, and sustainability in water management.

The 2023 Surabaya City Waste Bank Competition, which was opened by the Mayor of Surabaya himself, included many villages that placed first, including Gunung Anyar Tambak Village. The government and local community of Gunung Anyar Tambak Village, Surabaya, have taken an ecologically conscious approach to solving the garbage issue via the garbage Bank Program. Reducing trash sent to the TPA (Final Disposal Area) and raising public awareness about the need for proper waste management are the primary goals of this campaign. Located in the Mangrove region, Gunung Anyar Tambak Village lies on the seashore. The researcher use a qualitative descriptive methodology, gathering data via interviews, documentation, and observation. Data collecting takes done at the research site. An individual's capacity to influence their own social, economic, and political circumstances is crucial to their advancement in society, and community empowerment provides that opportunity. In order to address waste issues and use available resources, the trash bank program was developed as a community and environmental empowerment initiative. An individual's capacity to influence their own social, economic, and political circumstances is crucial to their advancement in society, and community empowerment provides that opportunity. The Bintang Mangrove trash bank offers a variety of community empowerment activities, including as savings and loans, power payment, medical treatment, recycling, replanting, and environmental care.

Rapid urbanization in major cities has led to the decreasing availability of green spaces, exacerbating urban challenges such as the Urban Heat Island (UHI) effect, high energy consumption in buildings, and air pollution. In response, green architecture innovations like green roofs and vertical farming present opportunities for reducing carbon footprints and improving urban sustainability. This study explores the potential for life-cycle carbon footprint reduction through the integration of green roofs and vertical farming systems in high-rise buildings, focusing on energy savings, environmental impact, and air quality improvements. Using Life-Cycle Assessment (LCA) methodology, the research evaluates carbon emissions reduction, operational energy savings, and ecosystem benefits from different building scenarios. Simulation models were developed for conventional high-rise buildings and those incorporating green roofs and vertical farming. EnergyPlus, SketchUp, and SimaPro software were used for energy consumption calculations and carbon emissions modeling. The study analyzes various intervention scenarios-baseline (no vegetation), green roof only, vertical farming only, and a combined system-based on tropical climate data from cities like Jakarta, Surabaya, and Kuala Lumpur. Results reveal that the integration of both green technologies significantly reduces cooling demand, lowers CO₂ emissions, and improves urban microclimates by reducing surface temperatures and enhancing air quality. Policy recommendations and guidelines for adopting green construction practices in tropical regions are provided, alongside suggestions for future research on optimizing these technologies, conducting economic modeling, and evaluating multi-building approaches at a district scale.