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The Community Service Program (KKN) is a form of community service carried out by students as part of the Tri Dharma of Higher Education. The KKN activity carried out in Telaga Jernih Village, Langkat Regency, aims to improve financial literacy among early childhood. This program focuses on introducing basic economic concepts and money management through interactive activities involving children and the local community. One of the main activities in this program is making piggy banks from recycled materials, which not only aims to instill the habit of saving, but also increase environmental awareness. The method used in this activity is a qualitative approach with direct observation, interviews, and documentation. The results of this activity show a significant increase in children's understanding of the importance of saving and managing money wisely. Children who were previously not used to saving, began to show changes in behavior by setting aside their pocket money regularly. In addition, this program also has a positive impact on parents and the local community, who are beginning to realize the importance of financial education from an early age. However, the challenges faced in implementing this program are limited time and resources, which can affect the sustainability of saving habits among children after the program ends. Therefore, support from schools and parents is needed to ensure that the savings habits that have been taught can continue to develop. Overall, this program has made a significant contribution in forming awareness of the importance of financial literacy and money management among early childhood and the Telaga Jernih Village community.

This community service program aims to socialize the importance of early saving habits to children using an Islamic financial approach, while also contributing to the village of Jaranguda in environmental preservation through the creation of organic and non-organic trash bins. The activities included preparation, socialization of the program, and participation in various social activities, such as group exercises, religious recitations, and the Independence Day celebration. Furthermore, the program developed the creativity of RA Nur Ilmi kindergarten students through games and skill-based activities. The results show that the program successfully fostered positive relationships between the students and the local community, raised awareness about the importance of saving and environmental management, and provided valuable experience for students in applying their knowledge within the community. The program is expected to continue with the support of various stakeholders to generate more long-term and significant impacts.

KKN Mandiri is a real work lecture activity carried out by students individually. It aims to increase awareness and understanding of early childhood children about the importance of saving as a provision for the future. The activity was carried out in two schools, namely Nur Ilmi Kindergarten, Jaranguda Village and Muhammadiyah 01 Medan Mandala Islamic Senior High School. Through socialization and motivation to save, it is hoped that children can develop a habit of living frugally and being responsible in managing money from an early age. The methods used in this activity include lectures, discussions, questions and answers, and making creative piggy banks from recycled materials. This activity is designed to provide an understanding that is easily accepted by children with a fun and interactive approach. The results of this community service activity show an increase in students' understanding of the benefits of saving. Students become more enthusiastic in setting aside their pocket money to save, both in piggy banks and in the bank. Through making creative piggy banks, students gain direct experience in the practice of saving and feel motivated to continue this habit at home. In addition, the involvement of parents and teachers also strengthens the positive impact of the program, where they are expected to continue to support children in saving. The conclusion of this activity is that the socialization of saving in early childhood has a positive impact in raising awareness of the importance of saving. The creative approach taken has proven effective in motivating students to start saving. This program is expected to be a foundation for children in forming good financial habits in the future. Continuous support from schools and families will greatly assist in maintaining the sustainability of saving habits in children.

This study aims to analyze the implementation of green office in the SMKS YPKP TIK Sentani office environment. Green Office refers to practices and policies that aim to reduce the environmental impact of office activities through energy efficiency, waste management, and the use of environmentally friendly materials. SMKS YPKP TIK Sentani is known to have received an award as an Adiwiyata school based on the decree of the Minister of Environment and Forestry of the Republic of Indonesia No. SK.1061/MENLK/P2SDM/SDM.2/10/2023. This research method uses a qualitative approach with in-depth interviews and observations to analyze the implementation of green office in the SMKS YPKP TIK Sentani office environment. The results of the study indicate that SMKS YPKP TIK Sentani employees have been active in implementing various green initiatives, such as waste sorting, reducing plastic use, saving electricity and water, planting plants, and the importance of awareness of the implementation of green office. Recommendations for further development include increasing training on environmentally friendly practices.

The history of the birth and development of cooperatives in developed (western) and developing countries is indeed very diametric. In the west cooperatives were born as a Movement to fight against market injustice, therefore growing and developing in an atmosphere of market competition. Even with its strength, cooperatives have achieved a bargaining position and an important position in the constellation of economic policies, including in international negotiations. The laws and regulations that govern cooperatives grew later as a demand of the cooperative community in order to protect themselves. The purpose of the research is to find out how the Role of the Tunggal Jaya Fakfak I Savings and Loan Cooperative (KSP) on the income and business of its members. To find out whether the role of the Tunggal Jaya Fakfak I Savings and Loan Cooperative (KSP) on income and business can improve the welfare of its members. This research method uses quantitative and qualitative methods. The results of this study prove the contribution made by the Tunggal Jaya Fakfak I Savings and Loan Cooperative (KSP) to the Community and its members, so it can be said that the Tunggal Jaya Fakfak I Savings and Loan Cooperative (KSP) plays a very important role in improving the welfare of the community in Fakfak Regency especially the people who are its members so that the standard of living is more guaranteed and the welfare of its members is also achieved due to changes in the income of its members. In conclusion, the Tunggal Jaya Fakfak I Savings and Loan Cooperative (KSP) also has a positive impact on the government in helping to overcome the problem of poverty by playing a role in providing savings and loans, to members and the community in Fakfak Regency, so that the community can develop their businesses.

This community service activity aims to increase awareness and understanding of early childhood children regarding the importance of saving, especially in facing financial challenges in the future. This program is implemented in Gongsol Village, Merdeka District, Karo Regency, and involves children and parents as the main participants. Through an approach that includes socialization, mentoring, and evaluation, this activity focuses on developing savings habits from an early age as part of basic financial literacy. The methods used in this program include initial surveys, interviews, direct socialization, and the creation of educational media in the form of creative piggy banks to motivate children to be more enthusiastic about saving. The results of this activity show a significant increase in children's understanding of the concept of saving, its benefits, and how to do it effectively. In addition, this program also educates parents about the importance of supporting children in forming savings habits from an early age, in order to prepare them for financial challenges in the future. This socialization has been proven to be able to form a more positive mindset regarding financial management in children, teaching them discipline, responsibility, and independence in managing their pocket money. This program is also expected to be integrated into the school curriculum in the village, to strengthen the habit of saving as part of character education and financial literacy. With ongoing support from various parties, including schools and families, the habit of saving from an early age can be the foundation for the financial stability of individuals and society as a whole.

This Real Work Lecture (KKN) program was carried out by students of the Muhammadiyah University of North Sumatra in Telaga Pure Village, Langkat Regency. This activity focuses on observing and analyzing the influence of lack of knowledge and saving habits on personal financial management among students. Through this service, students help and educate the public on the importance of knowing and getting used to saving from an early age among students. The main aim of this activity is to increase awareness and knowledge as well as the habit of saving which will have a long-term impact on individuals who implement this. This program consists of several activities, outreach and mutual cooperation activities to maintain a clean environment. The results of this activity show that the impact of the lack of this is still negative and we will continue to try to find a solution. Apart from that, students also succeeded in educating and socializing the importance of knowledge and the habit of saving for personal finances among students. 

The integration of health insurance with Fixed Deposit Receipts (FDR) and Deposit Pension Schemes (DPS) represents a significant innovation in the banking sector, offering new opportunities for financial institutions, insurers, and consumers. This paper explores the potential of merging health insurance with FDR/DPS schemes, focusing on how such integration can enhance financial inclusivity and healthcare accessibility, particularly in developing countries.  The study outlines the theoretical framework supporting this integration and analyzes the associated challenges, including regulatory and operational barriers.  It also highlights the potential benefits for banks, such as customer base expansion and increased savings attraction, while offering consumers the dual advantage of financial security and health coverage. Through a case study of the banking sector in Bangladesh, this paper provides insights into how such models can be implemented in emerging economies. Additionally, we address the barriers to successful integration, including regulatory hurdles and consumer awareness. The findings indicate that this integration could serve as a strategic tool for banks to broaden their customer base and contribute to the healthcare system's resilience.   Finally, the paper discusses policy implications and future trends, emphasizing the role of technology in facilitating these hybrid financial products.  This research contributes to the growing body of knowledge on the intersection of finance and healthcare, offering strategic directions for stakeholders in both sectors

This article is Building Simple Everyday Economic Knowledge for Children in Gongsol Village aims to equip children with basic economic skills that are relevant to everyday life. Teaching concepts such as saving, money management, production, and distribution of goods at an early age provides an important foundation for the development of financial and cooperation skills. Children are involved in practical activities such as making piggy banks from recycled materials and participating in productive activities that teach the values ​​of hard work and economics. In addition to improving understanding of economics, this program also develops character, discipline, responsibility, and interpersonal skills such as negotiation and leadership. Increasing children's motivation to learn is another significant result of this program, with varied learning methods that encourage them to participate more actively. It is hoped that the economic knowledge that is taught from an early age can help children in Gongsol Village to be wiser in managing their resources, building a more independent future, and contributing to the welfare of their village in a sustainable manner.

KKN Mandiri in Gongsol Village, Merdeka District, Karo Regency, aims to empower the community through the digitalization of MSME marketing. The implemented programs include entrepreneurship socialization, savings education, and the introduction of social media as a marketing tool. Using observation and documentation methods, students identified local potential and designed programs tailored to the community's needs. This activity successfully increased community participation and had a positive impact on their well-being and quality of life. Despite facing challenges such as low participation and weather factors, this KKN successfully strengthened MSME potential and contributed sustainably to the development of Gongsol Village

Education about saving from an early age is an important step in forming good financial management skills in children. Educational activities carried out at the Taqwa Mandala Mosque through Real Work Lectures (KKN), aim to increase children's understanding of the importance of saving and simple financial records. The research method used is a qualitative approach with counseling techniques, where children are introduced to the concept of saving using the media "Saving paper and piggy banks." This activity lasted for 15 days, with a focus on direct interaction to facilitate better understanding. The results of this activity show high enthusiasm among children and an increase in their knowledge about financial management. Support from PRM Mandala also plays an important role in the success of the program. Even though there are challenges, such as low interest in saving, this education has succeeded in instilling awareness of the importance of discipline in managing money. It is hoped that this activity can become a model for efforts to develop financial literacy in other communities, as well as have a positive impact in forming healthy financial habits for children.

This community service activity aims to improve children's financial literacy and motivate them to save from an early age. This activity was carried out in Perdagangan I Village, Bandar District, Simalungun Regency on August 19-20, 2024 targeting children in grades 5 and 6 at Satrya Budi Perdagangan I Elementary School. The method used involved socialization and making piggy banks from used plastic bottles decorated according to the children's wishes, in order to increase their motivation to save. In addition, the community service team also conducted a Focus Group Discussion (FGD) to get feedback on the methods and materials provided. The results of the activity showed that the level of children's financial literacy was still low, where most children did not have the habit of saving and tended to spend their pocket money. After the activity, there was an increase in motivation to save and understanding of the importance of financial literacy, although there were still challenges in implementing the habit of saving consistently. This activity had a positive impact with the increase in enthusiasm of children and parents in understanding the importance of saving for the future. The activity is expected to contribute to increasing public awareness of the importance of financial literacy from an early age.

This Independent Community Service Program (KKN) was implemented by students of the Muhammadiyah University of North Sumatra in Lingkungan XXIX, Rengas Pulau Village, Medan Marelan District. This activity focuses on empowering micro, small and medium enterprises (MSMEs) through the application of batik cultural identity to leather bag crafts. Through this service, students help local craftsmen to combine batik motifs with leather bags in order to increase the aesthetic value and selling power of the product. The main objective of this activity is to increase public awareness of the importance of maintaining and preserving national cultural heritage, especially batik, as well as to provide education to craftsmen regarding the application of traditional techniques in leather bag production. This program consists of several activities, including training in making batik leather bags, socializing early savings in schools, and mutual cooperation activities to maintain environmental cleanliness. The results of this activity show an increase in the knowledge and skills of craftsmen in producing culturally valuable products, as well as increasing community participation in MSME activities. In addition, students also succeeded in motivating residents to be more active in protecting the environment and increasing awareness of the importance of health through integrated health service post activities. Thus, this KKN not only contributes to the development of the local economy, but also to the preservation of culture and improving community welfare.

Cybery Beach is a beach that has enormous potential to be developed, besides being very close to the center of Jayapura, this beach is the only beach located right next to the Youtefa Bridge and the Youtefa Bay Estuary so it has enormous potential to be developed because it is visited by many visitors in Jayapura city, Cybery Beach is also located on the ringroad and eastward with Holtekamp Beach, environmental safety is a shared responsibility of both the government, the community, visitors in keeping the environment clean and well maintained.The purpose of this service activity is to socialize the Love Environment Movement carried out by the Cenderawasih University Service Team. Public awareness, especially visitors to Cybery beach, of the importance of maintaining environmental cleanliness is still very lacking because there are still people who litter, especially plastic waste used as food wrappers which are left scattered around the beach. The importance of understanding the concept of environmental safety for the community from an early age so that environmental cleanliness can be enjoyed by all communities and public benefits can be achieved through environmental hygiene social action. The basic nature of environmental management and conservation is the main capital for the development of natural resources and human resources so that an active role of the community is needed to strive for environmental conservation.The results achieved in the service are that with this activity, it can foster enthusiasm in saving the environment, even through this activity the Love the Environment Movement can be campaigned, especially in saving Cybery Beach.

This community service in Timbang Lawan Village aims to empower residents through training in planting chili seeds and making environmentally friendly dish soap. Implementation methods include needs identification, theoretical and practical training, as well as post-training evaluation and monitoring. This training is designed to help people reduce household expenses, both through planting chilies for their own consumption and making dish soap independently. Apart from that, this program also opens up new business opportunities by selling chili harvests and homemade soap at local markets, which can increase income, especially for teenagers and housewives. The results of the activity show that the community has succeeded in reducing expenses while creating independent businesses that have the potential to support the local economy in a sustainable manner.

Community Service (KKN) in Perkebunan Maryke Village, Kutambaru District, Langkat Regency, was carried out by students of the Muhammadiyah University of North Sumatra from 12 to 27 August 2024. This program aims to improve the financial literacy of the community and optimize the potential of the broomstick MSME which is the main source of income for village residents. Through MSME mentoring activities, students conduct value chain analysis to improve production efficiency, product innovation, and more effective marketing strategies. This mentoring aims to increase the competitiveness of MSMEs and shorten distribution channels to a wider market. In addition, the financial literacy program in collaboration with Bank Sumut is also provided through workshops to teach the community, especially the younger generation, about the importance of saving, financial planning, and personal budget management. The results of this activity show an increase in community understanding of financial literacy and MSME management, as well as the creation of new innovations in broomstick products. This activity not only has an impact on increasing residents' income, but also strengthens social cohesion and sustainable village economic development. This program is expected to be a model for community empowerment in other rural areas.

This study examines the transformation of waqf in the digital era through the waqf crowdfunding model and cash waqf savings products from the perspective of Maqashid Syariah. Waqf, which is traditionally manifested in the form of immovable assets, has now developed into movable assets such as cash waqf, supported by Law No. 41 of 2004. Digital innovations, such as waqf crowdfunding, allow wider community participation with small amounts for productive social projects, while cash waqf savings products in Islamic banking manage funds productively with the proceeds channeled to education, health, and public infrastructure. Despite having great potential in socio-economic development and in line with the Hifdzu Maal principle in Maqashid Syariah, the implementation of digital waqf still faces challenges such as unclear regulations, lack of public awareness, risk of mismanagement, and limited investment. This study uses a qualitative descriptive approach, case studies, and normative-sociological with in-depth interviews, documentation, and literature studies as data collection techniques. The research subjects were selected through purposive sampling. Data analysis using the Miles and Huberman interactive model, as well as triangulation of sources and methods for data validity. The results of the study are expected to provide theoretical contributions and practical recommendations for the management of digital waqf that is professional, transparent, and beneficial to the community.  

Purpose– The objective of this research is to develop an integrated operational management model for Smart & Green Villages (SGVs), combining the principles of smart villages and green villages to promote sustainable, inclusive, and adaptive rural development. This research emphasizes operational efficiency, environmental sustainability, digital technology utilization, and community participation as key pillars. Design/Methodology/Approach – A mixed-methods approach was adopted, involving surveys of villages in Indonesia that have begun adopting SGV principles, in-depth interviews with village officials and key stakeholders, and case studies of villages that have successfully implemented smart technologies and environmentally friendly practices. Data triangulation was applied to strengthen the validity of the findings. Findings – The study shows that integrating functional organizational structures, optimizing digital technologies such as the Internet of Things (IoT) and village information systems, and building participatory community mechanisms significantly improve public service delivery, reduce operational costs, enhance environmental management, and strengthen socio-economic well-being. The study also identified new operational variables, including cost-effective innovation, digital local governance, inter-village shared resources, and socio-environmental audits as a multidimensional evaluation tool. Practical implications – These findings provide a practical framework for policymakers, local governments, and community leaders to implement and evaluate SGV. The multidimensional indicators proposed in this study enable continuous monitoring and adaptation of village operations to local conditions and resource constraints. Originality/Value – This study is one of the first to propose a concrete and replicable SGV operational management model by introducing new variables and multidimensional evaluation indicators. It enriches the theoretical discourse on smart and green village integration while offering actionable strategies for sustainable rural governance.

The purpose of this service is to educate the Concept of Waste Bank, Green Economy, and Money Supply to the Community in Medan Belawan District. The special target in this community service is for the workers of the Blessing Waste Bank in Medan Belawan District to know what the Waste Bank, Green Economy, and Money Supply to the Community in Medan Belawan District is, how its application is an opportunity for household income, for example by becoming a new source of income from saving household waste that has been implemented so that they are able to read the economic and environmental problems that occur. The material presented at this community service is: what is a Waste Bank, Green Economy, and Money Supply, how the impact of the Waste Bank on income from household waste. Which can improve household welfare through public knowledge/understanding related to Waste Banks, Green Economy, and Money Supply. From this community service, it shows the results that with the existence of the Waste Bank, the application of the Green Economy concept can be seen from the collection of household waste that is easily collected at the Waste Bank, the community becomes a customer, has savings, withdraws money, then continues to spend consumption from the money which means that there are selling and buying activities in the market because of the money circulating in the community. This affects economic activities in the Medan Belawan District area.

This study examines the adoption of cloud computing in Small and Medium Enterprises (SMEs) with a focus on analyzing trends, theories, and factors influencing adoption during the period from 2011 to 2020. Using a systematic literature review approach, this research analyzes 76 articles published during this period, aiming to provide a deeper understanding of data analysis techniques, cloud computing services commonly studied, and key factors driving or hindering adoption. The findings reveal that the most frequently used analysis techniques are Partial Least Squares Structural Equation Modeling (PLS-SEM) and interpretative analysis. The most analyzed cloud computing service is Software as a Service (SaaS), while the primary factor driving adoption is cost savings. This study also identifies that the majority of studies are not based on clear theoretical frameworks, and research has been predominantly focused in the Asian region. The findings offer insights for future research on developing cloud computing implementation in SMEs, as well as factors to consider in accelerating the adoption of this technology among SMEs globally.