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MSMEs that were once considered economically resilient during times of crisis were found to have a higher vulnerability to experiencing losses than large companies. This vulnerability is due to financial and non-financial constraints. Specifically, these obstacles are classified into operational risk, financial risk, and marketing risk. This activity aims to increase the knowledge and understanding of MSME players regarding HR and financial management to minimize operational and financial risks. This activity uses the methods of Counseling and Education as well as Mentoring and Coaching. The result is that this activity can be carried out successfully. Successful implementation is marked by the division of employee duties so that each employee has their responsibility for a job which can lead to increased employee performance. Apart from that, partners already understand the importance of financial management and its relevance for business development and decision-making. However, partners still do not know how to prepare financial reports by MSME).

Digitalization and information technology have a significant impact on business processes. This problem can be solved through synthesis, which involves the use of new computing technologies. Picture books are one example of advances in information technology in the field of education. This research was conducted with the aim of finding out the effectiveness of using chart books in the process of managing financial records. The research method used is a qualitative summary based on theory, research results and conclusions reached. Research, historical information, and survey results are then collected, analyzed, and compiled. The study found that book charting applications play an important role in the purchasing process, with technology used in the review process through an integrated and automated system. In order for the documentation process to be more efficient and effective, it must comply with established standards and guidelines. Organizations are becoming more diverse and integrated. Improved analyst performance indicates that the commentator is trustworthy and knowledgeable, thereby improving overall quality. Based on this, we can conclude that the Diagram Book application helps in the financial report review process.

This study aims to analyze the influence of income, knowledge, promotion, and gold prices on the investment decisions of bank partners in investing in gold at Bank Syariah Indonesia (BSI) in Jambi City. The population used in this research consists of BSI partners who invest in gold in Jambi City, with a sample of 90 respondents. It can be concluded that the respondents in this study are predominantly female, totaling 63 respondents, while males amount to 27 respondents. Based on age, the majority are aged 30-39 years, with 40 respondents. In terms of education level, 70 respondents hold a bachelor's degree. Data collection techniques employed include questionnaires, documentation, and interviews. The data analysis method used is multiple linear regression analysis. The results show that all examined variables, both internal factors (income and knowledge) and external factors (promotion and gold prices), significantly influence gold investment decisions. The coefficient of determination (R²) of 0.827 indicates that 82% of the variation in the dependent variable can be explained by the variables studied. This research provides a broader understanding of the factors influencing gold investment decisions and suggests strategies for more effective promotion and better financial education.

A business can survive if it has good financial knowledge. Financial management and business knowledge have always been the foundation. Along with the times, especially in the digitalization era, it is unfortunate when business people ignore the financial aspects and optimization of their business management. When the company's human resources are able to adjust to the changing times in industry 4.o, then financial management can be done. The purpose of this activity is to assist and provide consultation to business owners in one of the nasi padang restaurants in Cikarang. We come from an environment where business people do not know much about financial education and how to build a business so that it can grow and adapt to digital developments, as well as the lack of training and education provided for business people, especially for micro businesses. The focus of this community service activity is to assist business actors from business management to finance, so as to maximize the ability of their human resources, which is very much needed by business actors who have high competitiveness in this digital era. In the end, it is expected to provide solutions that allow business actors to optimize all business activities in increasing profits and sales, so that the business can survive and develop.    

Online loans are currently increasingly popular among the public with the development of technology.  The sophistication of this technology has had a very significant impact on the survival of society, which will make people more consumptive through the arrival of electronic or non-cash means of payment, without cash this will create impulsive shopping behavior where someone buys products without planning.  This research aims to analyze the influence of financial knowledge on online loan interest behavior, to determine the influence of financial behavior on online loan interest and to determine financial attitudes towards online loan interest in the Kupang city community.  This research uses primary data by distributing questionnaires online to 100 respondents in Kupang City who are online loan users.  This research uses non-probability purposive sampling.  Data analysis in this research uses multiple linear regression analysis with the results of the research showing that financial knowledge, financial behavior and financial attitudes have a significant effect on interest in online loans among people in Kupang City.

This study aims to analyze the influence of  financial behavior on non-cash payment behavior and to determine the influence of  financial knowledge on non-cash payment transactions in the community of Raihat District. This study uses primary data by distributing questionnaires to 30 respondents in Raihat District who are MSME actors. This study uses purposive sampling. The data analysis in this study uses multiple linear regression analysis with the results of the study showing that  financial behavior and  financial knowledge have a significant effect on non-cash payment transactions in the community in Raihat District.

The purpose of this research is to describe the extent of the role of the alumni of the Sheikh Muhammad Dahlan Aek Hayuara Sibuhuan Islamic Boarding School in advancing education in the Barumun District Area. The Islamic Boarding School, which is the oldest in Padang Lawas district, has graduated many of the best alumni, ranging from great Ulama, Think Figures, ASN, TNI/POLRI, Islamic Boarding School Leaders, Lecturers in Higher Education, and Teachers in various formal and non-formal Educational Institutions. The Islamic boarding school which was established in 1938 was founded by Sheikh Muhammad Dahlan Hasibuan. The role of alumni in developing education has a significant impact and covers various aspects that are essential for the progress of educational institutions. Alumni, as a product of the education system, have experience, knowledge, and resources that can be utilized to support the development of education. They can contribute through improving the quality of education by acting as mentors, providing advice based on professional experience, and sharing information on relevant industry needs. In addition, financial support from alumni through donations, scholarships, and fundraising can help educational institutions in providing better facilities and innovative programs.

This study analyses the level of financial literacy of STIE Ganesha students and its impact on their readiness to face the world of work. Financial literacy encompasses the basic knowledge and skills of managing personal finances, which are essential for financial decision-making in a professional environment. Using a quantitative survey of 10 Management and Accounting students, the results show that most students have an adequate understanding of basic financial literacy, but their applicative skills in the work context still need to be improved. This study recommends strengthening the curriculum with a practical approach so that students are better prepared to face financial challenges in the world of work.

The research entitled 'Evaluation of the Accounting System for Cash Income and Expenditures for MSMEs in Sedayu District" was carried out on 2 MSMEs, namely Angkringan Pusat and Warung Kang Bawor. With the aim of carrying out an in-depth analysis of the cash management system, especially in recording financial reports. The research results show that the largest cash expenditure comes from purchasing goods to carry out stock, while the main income comes from product sales. Apart from that, weaknesses were also found in recording financial reports, namely the combination of personal money and business money that occurred in the 2 MSMEs. This is caused by managers' lack of knowledge regarding a good financial recording system, so this is a major obstacle, so in this research it is recommended to increase education and training for managers of the Angkringan Center and Warung Kang Bawor MSME businesses. With the hope of producing financial report records that comply with standards.

The community service aims to provide literacy on financial management and mental health for workers and students abroad. The education focuses on how migrants and students can manage their finances healthily while abroad and maintain their mental health during their time working or studying in Taiwan. The expected outcome is that participants gain additional knowledge on how to manage their finances and health while in a foreign country. With this knowledge, it is hoped that they can prevent mental health and financial issues, thus enabling them to work and study effectively and increase productivity.

From survey data conducted by the Financial Services Authority regarding national finance, the financial literacy index in Banten is still below the national average of 45.19 percent. This was conveyed directly by the Head of OJK Jabodetabek and Banten Province in 2022. The low financial literacy index in Banten, OJK invites to jointly improve finance in the community, especially in students. Financial literacy is knowledge, skills, beliefs that influence a person's financial attitudes and behavior to improve the quality of decision making and financial management in order to achieve prosperity. This study uses a survey method in collecting answers from respondents. Using 50 samples of students at Banten State Islamic University who were randomly selected. The results of data collection through questionnaires that will be processed and analyzed using linear regression statistical methods. Based on this, it was found that financial literacy with indicators of basic knowledge of personal finance, personal financial records, and financial behavior had an effect on student financial management.        

National resilience is one of the concepts of Indonesian statehood. The resilience of a nation is basically needed to guarantee and strengthen the capability of the nation concerned both in order to maintain its unity, face future threats and seek resources to meet life's needs. The research objective is to determine the urgency and challenges of national resilience and national defense for the Indonesian nation. Research results will be obtained using the Literature review research method, namely a method of collecting library data and information by exploring knowledge or knowledge from sources such as books, journals, written works, lecture notes and several other sources that are related to the research object. The research results show that resilience comes from the word "hold" which means steadfast, strong, able to control oneself, persistent, and never giving up. Resilience means being able, resistant and strong to face all forms of existing challenges and threats in order to ensure survival. Furthermore, according to Law no. 3 of 2002 concerning National Defense, citizens can physically participate in defending the country by becoming members of the Indonesian National Army and Basic Military Training. If the country's economic and financial conditions permit, the possibility of military service can also be considered. Defending the Country Non-Physically, namely: Participating in citizenship education through both formal and non-formal channels. Implementing a democratic life by respecting differences of opinion and not imposing one's will in solving common problems. Sincere devotion to the surrounding environment by planting, maintaining and preserving. Real work for humanity to advance the nation and state. Play an active role in overcoming threats, especially non-military threats, for example volunteering for flood disasters. Participating in spiritual mental activities among the community in order to ward off foreign cultural influences that are not in accordance with the norms of Indonesian life. Pay taxes and levies which function as a source of state financing to carry out development.

Students are a group of people who are vulnerable to the temptation of a consumer lifestyle. Therefore, adequate financial knowledge is required to take appropriate investment decisions. The aim of this research is to analyze the influence of financial literacy on student investment decisions in Banten Province. This research uses quantitative methods with questionnaire data collection techniques. Data were analyzed using multiple regression. The findings show that financial literacy has a positive and significant effect on student investment decisions in Banten Province. These results indicate that financial literacy is an important factor that needs to be considered in efforts to increase student investment participation. Based on this research, there is a need for ongoing financial literacy training and outreach to Banten students to increase their knowledge and understanding of investment so that they can make smarter and more profitable investment decisions.    

This research aims to determine and analyze the factors that influence the performance of regional financial managers. This type of research is associative quantitative. The sampling technique used in this research was a saturated population and sample with a total of 30 respondents. The data used in this research is primary data obtained from questionnaires distributed directly to respondents who include employees at the Kupang City Regional Financial and Asset Agency office. Data analysis in this research used Multiple Linear Regression with the help of SPSS IBM 21 to process questionnaire data. The results of this research show that individual factors, leadership factors and system factors influence the performance of regional financial managers, while team factors and contextual factors do not partially influence the performance of regional financial managers. The analysis results obtained are, the calculated F value is 11,118 > Ftable 2,620. It is hoped that future researchers can develop research on the performance of regional financial managers using other variables. So as to add references in enriching knowledge and identifying other factors that are truly determinant elements of employee performance at work.

Transparency of financial reports today is very wide open with advances in technological development. Openness of financial report information allows the public to assess the quality of financial reports. The quality of good financial reports can be seen from the results of opinions by the public accounting profession who provide services to assess the fairness of financial reports. Fairness of financial reports provides the assumption that the financial reports have been prepared in accordance with the financial accounting standards applicable in Indonesia. Financial Accounting Standards provide guidance on the process of recording, measuring and presenting financial reports. A good financial report must start first with recording the accounting cycle. Understanding an entity's accounting cycle makes the auditor understand the recording and reporting model of a client entity. An accounting cycle that is understood by the auditor will be useful in providing adjustments or audit correction journals if recording errors occur. The community service program carried out by a team of lecturers from the Faculty of Economics and Business, Dian Nuswantoro University with auditors at KAP Sarastanto and Pekan Kota Semarang provides several trainings related to basic accounting knowledge. This activity is expected to provide knowledge and skills in preparing financial reports in accordance with standards

KKN (Real Work Lecture) is a community service activity program carried out by students with a cross-scientific and sectoral approach at certain times and regions in Indonesia. Suli is one of the states in Salahutu District, Central Maluku Regency, Maluku Province. KKN students who have been placed in this location must mingle, adapt to the community and are required to create work programs obtained from observations in the community. The results of observations obtained in Suli are problems that must be turned into work programs to be carried out as KKN students. The work program which is the flagship program is Socialization of Financial Partners and Cooperatives (Empowerment of High School Children in Financial Education and Introduction to Cooperatives). Writing articles using the Socialization and TPA (Primary Knowledge Test) methods

The aim of this community service program is to provide assistance and education to the community in Kiera Hamlet, Southwest Maluku Regency regarding recording financial transactions in simple bookkeeping in accordance with applicable financial accounting standards. This program will take place on Saturday 3 to face in Kiera Hamlet, Moa Island, Southwest Maluku Regency. This activity was carried out with the presence of all Kiera hamlet staff, chair of the church congregation council. Church staff, village community and home base lecturers as well as students of the PSDKU Accounting study program, Southwest Maluku Regency. The method used in this activity is a participatory learning method. After carrying out this service, the community will gain knowledge about bookkeeping in managing finances so that the recording process can be carried out regularly.

Lack of capital and knowledge of technological development to raise capital, the purpose of this service activity is to provide guidance to MSME actors in Ternate city, the method used is FDG, and at the same time direct guidance to fostered MSME actors. The activity participants who attended were 30 people at the implementation of the service. good financial management and effective marketing strategies, MSEs in Ternate City can improve their business performance and contribute more to the national economy. Therefore, continuous training and mentorship are needed to support the growth and sustainability of the MSMEs in Ternate City.

Socialization activities to improve financial and accounting literacy in the community were carried out in Rumah Tiga Village, focusing on the role of financial and accounting literacy in family financial management. Rumah Tiga Village was chosen because it still needs understanding and skills about financial management and accounting to support economic development and community welfare. The methods used in this activity include practical demonstrations, surveys to the community, as well as cooperation with Rumah Tiga Village officials. The main focus of this socialization was to increase understanding of household financial management, achieving future financial goals, the importance of long-term savings, education on future investments, and emergency funds to avoid future financial difficulties. The role of accounting in recording income and expenses, preparing budgets, and understanding how to make household financial reports are important points for the community to become better at managing their finances. The implementation of this socialization activity is tailored to the needs of the village community, involving cooperation with the village government to increase understanding of financial literacy and accounting. It is hoped that this activity can provide good knowledge to the Rumah Tiga community about financial literacy and accounting in the community.

This activity aims to explore the effectiveness of cooperative-based entrepreneurial motivation training in improving the performance and sustainability of Micro, Small, and Medium Enterprises (MSMEs), by providing the knowledge, skills, and attitudes needed to become a successful entrepreneur. Pasar Johar Semarang SME entrepreneurs face various challenges in running cooperative-based entrepreneurship. It is often difficult to reach a wider market because of limited access to strategic distribution locations that inhibit the potential for business expansion. Through this training, participants are expected to learn about the benefits of being a member of a cooperative, such as access to capital, training, and business networks. will provide training on a range of business skills essential to SMEs, such as financial management, marketing, and product development. The participants will learn how to manage their business more effectively and efficiently. By presenting speakers from UMKM Center Central Java, participants as SME entrepreneurs in Pasar Johar can ask questions directly related to problems that are often encountered in the field not only about cooperative problems but other complaints ranging from existing regulations, trade permits from orders, and even procedures for getting help from the government. These efforts are expected to help pasar Johar Semarang SME partners in developing cooperative-based entrepreneurship in a sustainable manner.