Publication Search

Abstract. The Islamic financial industry in Indonesia is experiencing rapid development. Generally, Abstract. factors such as knowledge, needs, abilities, concerns and judgments influence customer decisions in using financial products. However, with the variety of influencing factors, many students and individuals with higher education are not yet interested in saving in Islamic banks. As students, they may have a superior understanding because as students, students continue to review the transformation of the times. As part of the academic world, students are accustomed to the continuous learning process, gaining deeper insights into changes and trends in various fields. This study aims to uncover the views of students and family circles who tend to prefer conventional banks over sharia banks. Likewise, this study is also intended to provide public understanding of bank selection knowledge, so that it can stimulate deeper discussions regarding individual considerations in choosing sharia banks. On the other hand, this study was compiled with the aim of clarifying the importance for students to consider their choices of  sharia banks. This study is intended to explore knowledge about sharia banking and the family environment towards sharia banks. The method applied in this study is a qualitative descriptive method. With data analyzed using a questionnaire filled out by 51 student respondents. The main objective of the study is focused on understanding the knowledge of students and family environment towards sharia banks, a descriptive qualitative approach with the intention of describing and analyzing the causes of a phenomenon. Data collection is carried out through observation and observation to describe the phenomena that occur. The research respondents consisted of 50 students from various campuses. The study revealed that there were variations in perception among students. and family environment, including in terms of gender, student knowledge, and the influence of the family environment on sharia banks. Keywords: Student knowledge, family environment, sharia bank    Abstrak. Industri keuangan Islam di Indonesia sedang mengalami perkembangan. yang cepat. Umumnya, faktor-faktor seperti pengetahuan, kebutuhan, kemampuan, perhatian dan penilaian yang memengaruhi keputusan pelanggan dalam menggunakan produk keuangan. Meskipun begitu, dengan beragamnya faktor yang memengaruhi, banyak mahasiswa dan individu yang memiliki pendidikan tinggi belum tertarik untuk menabung di bank syariah. Sebagai mahasiswa mungkin memiliki pemahaman yang lebih unggul karena sebagai pelajar, mahasiswa terus meninjau transformasi zaman. Sebagai bagian dari dunia akademis, mahasiswa terbiasa dengan proses pembelajaran yang berkelanjutan, memperoleh wawasan yang lebih mendalam tentang perubahan dan tren dalam berbagai bidang. Penelitian ini bertujuan untuk mengungkap pandangan mahasiswa dan lingkup keluarga yang cenderung lebih memilih bank konvensional daripada bank syariah. Demikian pula, penelitian ini juga dimaksudkan untuk memberi pengertian masyarakat mengenai pengetahuan pemilihan bank, sehingga dapat merangsang diskusi yang lebih mendalam mengenai pertimbangan individual dalam memilih bank syariah. Disisi lain, penelitian ini disusun dengan tujuan untuk memperjelas pentingnya bagi mahasiswa untuk mempertimbangkan pilihan mereka terhadap bank syariah. Penelitian ini dimaksudkan untuk mengeksplorasi pengetahuan mengenai perbankan syariah dan lingkungan keluarga terhadap pada bank syariah. Metode yang diterapkan dalam penelitian ini adalah metode deskriptif kualitatif. Dengan data dianalisis menggunakan kuisioner yang diisi oleh 51 responden mahasiswa. Tujuan utama penelitian difokuskan untuk memahami pengetahuan mahasiswa dan lingkungan keluarga terhadap bank syariah, pendekatan kualitatif deskriptif dengan maksud menguraikan dan menganalisis penyebab suatu fenomena. Pengumpulan data dilakukan melalui pengamatan dan observasi untuk mendeskripsikan fenomena yang terjadi. Responden penelitian terdiri dari 50 mahasiswa dari berbagai kampus. Penelitian mengungkapkan bahwa terdapat variasi persepsi di kalangan mahasiswa. dan lingkungan keluarga, termasuk dari segi gender, pengetahuan mahasiswa, dan pengaruh lingkungan keluarga terhadap bank syariah. Kata Kunci : Pengetahuan mahasiswa, lingkungan keluarga, bank Syariah

This research uses a qualitative method with descriptive research type. With an estimated number of respondents SME 8 people. The data analysis techniques used are descriptive analysis and simple linear regression analysis. Based on the research results, Financial Literacy has an effect on Financial Management in SME members of SME entrepreneurs in South Tangerang. This needs to increase the knowledge of financial literacy for SME, in this study it is influenced by several things, namely the level of education, receipt of financial information, and the age of the SME actors.      

This internship activity aims to understand and implement village accounting knowledge obtained in college. This program is run as part of the PPKM Dikti grant program. The placement of this MBKM internship program is located in Ulantha Village, Suwawa District, Bone Bolango Regency. Ulantha Village was chosen because the village was a village that received a certificate awarded as the village with the third best financial management. This internship activity was carried out from August 19, 2022 to September 19, 2022. The basic methods used in this internship activity are the investigation stage, the provision stage, the implementation stage and finally the evaluation stage. In financial management in this application, it starts from planning, implementation, administration, reporting and accountability. The results of the internship practice showed that student participants were able to carry out the village financial management process well and until completion. This program is still expected to be carried out continuously as a provision for students to carry out work practices in the village.

The coronavirus pandemic has accelerated the evolution of education towards 21st-century learning in alignment with the Industry 4.0 era. Educators are confronted with three key aspects: life and career skills, learning and innovation, and information media and technology. They must continuously update their knowledge and skills to meet the needs of the millennial generation. Technology has become integral, influencing learners' cognition and skills. Pre-pandemic, educational institutions had leveraged technology, yet challenges regarding infrastructure and human resource readiness emerge in online learning implementation. Teachers need to be innovative in designing remote learning tailored to student needs, supported by adequate technology. Interactive online learning enhances student motivation. Learning media serves as a crucial link, aiding in achieving learning objectives. Specific challenges also arise concerning the curriculum, emphasizing the significance of educational philosophy. In the context of Christian education, integrating faith and knowledge and considering spirituality are vital to producing academically and morally competent alumni. Challenges faced by Christian education in Indonesia include declining numbers of schools and financial constraints, with potential risks to Christian identity. Initiatives such as the takeover of Christian schools offer solutions.

This research was conducted because the author observed the conditions at the Ciamis Regency Regional Financial and Asset Management Revenue Office, which showed that some employees had suboptimal performance even though they already had adequate competence. This low performance is caused by a lack of attention and support from leaders, lack of cooperation between divisions, employee competencies that are still below organizational expectations, and rapid development of information technology that is not balanced by the improvement of knowledge, skills, and work attitudes of employees. As a result, the results of the work produced have not been optimal. Many employees lack discipline in carrying out the rules and work procedures set by the organization, which can also be seen from the untimely attendance and the presence of employees who are absent from their duties. Employee empowerment is also uneven because employees who have the necessary skills are limited, so more work is done by certain employees only. The delegation of work is also often not accompanied by a complete explanation to the recipient, causing the completion of the work to exceed the set time target and the quality of the work is not optimal. The purpose of this research is to study, know, and analyze the influence of the work environment, competence, and empowerment on employee performance. This study uses an explanatory survey method with a quantitative approach, as well as descriptive and inferential statistical data analysis techniques with correlation analysis and multiple regression analysis tools. The results of the study show that the work environment, competence, and empowerment are empirically in high condition, and have a significant influence on employee performance. A good work environment, very high competence, and optimal empowerment have a positive effect on high employee performance.

Independence and life skills are needed in a social welfare institution; Al-amin's children (LKSA) have only been able to survive by depending on financial sources from the provision of Zakat, Infaq and Sadaqah from the Benefactors. Independence and life skills in the form of entrepreneurial skills will form a mature entrepreneurial spirit in the children who are in a dormitory which will ultimately lead them to independent living and can even make life easier for the institution where they live. A weak spirit of independence is experienced at the Al-Amin Child Welfare Institution (LKSA), Kedungturi Taman Sidoarjo Village. As productive young people, children in orphanages should have the potential to develop better, but due to limited entrepreneurial knowledge they have they have not been able to develop optimally. This program aims to create independent young entrepreneurs who are able to create business opportunities for orphanages and the surrounding community. The results achieved in the Science and Technology for Society program are making creatively designed stitches and unique shirts, increasing children's resources so they are able to produce, mastering effective marketing strategies and mastering business management.

This research aims to provide information and knowledge about the implementation of financial management carried out by SMKN 1 Doloksanggul, Humbahas District. The research methodused in this research is a qualitative method. Data collection techniques were carried out by researchers through interviews, note sheets. The research results obtained were that SMKN 1 Doloksanggul prepared a report card for 2024 before entering 2024 in November and December 2023 and the preparation of this report card was carried out by a team called the “BOS Team”. For school financial resources, the school principal forms various policies to obtain addiotional funds to be able to implement each program that has been prepared. Research conducted at SMKN 1 Doloksanggul shows that the implementation of school financial management is quite good.

This article aims to analyze the level of understanding among Generation Z in Medan, Indonesia, regarding the money market and capital market. The study employs a survey method with questionnaires distributed to 100 respondents aged 18-25 in Medan. The collected data are descriptively analyzed to depict the respondents' knowledge and understanding of the basic concepts, instruments, and operational mechanisms of the money market and capital market. The research findings indicate that although most of Generation Z in Medan are aware of the existence of financial markets, their understanding of the operational details and functions of the money market and capital market remains relatively low. Education and access to information are identified as primary determinants influencing this understanding level. These findings indicate the need for enhanced financial literacy through more intensive and targeted educational programs for this age group in Medan.

The objective of this study is to assess the performance of the DANA application as an electronic wallet and analyse the effect of managing the application's securities on user decision-making when using the application in the setting of the digital economy based on the sovereignty of the Unitary State of the Republic of Indonesia (NKRI). The study method employed was a qualitative literature review. The data was acquired by consulting relevant scholarly publications on Google Scholar to thoroughly comprehend the advancement of knowledge about the subject matter and identify areas of research that require further exploration. The hypothesis analysis revealed a significant correlation between the advantages of the digital economy, the growth of the digital economy, and the factors affecting the utilisation of E-Wallets or Dana apps within the Homeland. The development of the digital economy enhanced a nation's ability to withstand challenges by promoting economic sovereignty, cybersecurity and inclusive economic growth. Various factors, including data security and the rise of the digital economy, affected the utilisation of Dana applications. In addition, these factors affected the execution of national values. Utilising the Dana application as a digital wallet strengthened the nation's economic sovereignty and enhanced well-being and financial inclusivity across all segments of Indonesian society. Hence, comprehending the security management of the application and users' perspective regarding it is crucial in affecting users' trust and their decision to embrace the Dana application as their preferred E-Wallet for supporting the NKRI sovereignty-based digital economy.

This research was conducted to determine the perception and readiness of an online shop to use a financial accounting application based on the Technology Acceptance Model (TAM) theory. Therefore, interpretive qualitative research was carried out using a descriptive case study approach at the online shop "Sweet Palettee" as the research object. The data collection techniques used were interviews, observation and archival recordings. From the data that has been collected and analyzed by researcher, it is concluded that the use of the financial accounting application carried out by Sweet Palettee based on the Technology Acceptance Model (TAM) theory is going quite well. Each aspect of TAM is interconnected, which overall has a positive role for Sweet Palettee in the acceptance and use of the "Money+" financial accounting application. With this research, it is hoped that it can increase insight and knowledge for researcher and for academics, also can be used as a reference for related companies to make decisions in the future.

qualified labor is an important factor in achieving economic development of a region. To improve the quality of the workforce, job training is needed that can provide job skills for the workforce. This study aims to explain the benefits of job training for improving the quality of the workforce based on the policies and programs of the NTT Provincial work training UPTD and explain the productivity of graduate participants after attending job training. This study uses a descriptive qualitative approach, by conducting structured interviews to informants and instructors UPTD work training, and also graduates from job training. The results showed that job training is very beneficial for improving the quality of the workforce through the empowerment of Labor expertise in order to have skills, attitudes, and knowledge about the world of work. Many of the job training graduates have been successful in their efforts and are able to absorb other workers, but not infrequently job training graduates who fail to achieve productivity due to not being serious when attending job training, lack of availability of business capital, and lack of readiness to compete in the world of work. In order for job training graduates to achieve their productivity, supervision is needed by the Uptd of work training and also financial assistance from local governments for the effectiveness of training activities and the provision of business capital to support the efforts of job training graduates.

As internet technology advances, paying for knowledge has become a popular way of learning. This trend has increased the demand for financial management courses among non-financial majors, such as tourism. With Guilin's geographical advantage, many students in the area are pursuing non-financial tourism majors. Therefore, it is crucial to conduct extensive research on this group's willingness to purchase financial management courses, an essential and valuable topic. The knowledge payment market is developing rapidly. Understanding the purchasing intentions of non-financial tourism majors will help grasp market trends and provide market development directions for relevant institutions. The number of respondents for this study was 380. The results of this study show that students’ purchase intention on management courses for their career development would be impacted by performance expectation, effort expectation, and social impact.    

The purpose of writing This For understand the review of Islamic law regarding the practice of buying and selling breast milk (ASI) in Ujung Pandang District, Makassar City. The theoretical benefit of this research is that it is hoped that this research can provide a useful contribution to the development of knowledge regarding the buying and selling of breast milk in society and the attitude of the government and religious figures towards the practice of buying and selling breast milk (ASI) in handling it and practically, it is hoped that this research can help provide ideas for the community and readers regarding the buying and selling of breast milk from the perspective of Islamic law. The research method is empirical juridical research. The results of this research show (1) An overview of Islamic law regarding the practice of buying and selling breast milk (ASI) in Makassar City, especially in Ujung Pandang District, namely that it should not allow buying and selling breast milk (ASI), because there are many disadvantages (damage/danger). Because the buying and selling of breast milk (ASI) which is carried out through the Indonesian Association of Breastfeeding Mothers (AIMI) does not have recorded data so the source of breast milk (ASI) is not clear between the sellers and buyers of breast milk (ASI). (2) Factors that influence the practice of buying and selling breast milk are as follows: 1. Economic factors, where the perpetrators of buying and selling breast milk (ASI) are breastfeeding mothers who are still young and some of them are not able to produce breast milk. (ASI) is good, where the perpetrators of buying and selling breast milk (ASI), especially respondents who sell breast milk (ASI), experience financial shortages, so they choose to sell breast milk (ASI) through the Indonesian Breastfeeding Mothers Association (AIMI). 2 the religious factor, which is due to a lack of education and support from the family so that many perpetrators of buying and selling breast milk (ASI) do not really understand the importance of religious knowledge in carrying out the practice of buying and selling breast milk (ASI). Conclusions of Writer are: (1) Overview Islamic law regarding practice sell buy breast milk (ASI) in Makassar City, especially in Ujung Pandang District , namely should No allow exists sell buy breast milk (ASI), because Lots harm ( damage / danger ). Suggestions from Writer are: (1) It is better not to breastfeed (ASI). bought and sold in a way illegal nor free. (2) Necessary exists supervision morestrict from institution government nor non- governmental institutions local about practice sell buy breast milk (ASI) so you don't happen.

It is expected that UMKM will become a leading economic sector in order to achieve its building goals. This is due to the fact that UMKM is one of the few businesses that can thrive in challenging economic conditions. Due to this, in order for UMKM to be able to continue, UMKM has to have sound financial management practices. The first is having accurate financial knowledge and the ability to create financial reports that are needed to formulate business strategies that will eventually emerge. The financial performance of East Sudimara Culinary MSME in Ciledug, Tangerang does not reflect a sound financial performance. Training and mentorship outcomes, such as basic accounting and financial report writing, raise MSME actors' knowledge of the value of the information collected.

Abstract. The purpose of the financial reporting system described above refers to conventional BTN financial reports as a whole because the financial reports at BTN Syariah KCS Banjarmasin still return to their parent bank where all BTN Syariah throughout Indonesia are business units of BTN Conventional. The research method in this study was carried out qualitatively with a descriptive approach. This research data uses primary and secondary data. Data collection techniques use observation and interviews. Meanwhile, research techniques use data presentation and drawing conclusions. Based on the results of the research, it shows that the processing of earnings management at BTN Syariah KCS Banjarmasin is quite efficient due to good working capital turnover as a means of generating profits. Judging from the net profit margin, it is quite efficient with an average percentage of 78.02%. The rate of return on assets is also efficient, although it continues to decline with a percentage of 1.41% and the rate of return on capital is considered effective with an average percentage of 13.15%. The author provides input to the bank so that the management of the financial reporting system at BTN KCS Banjarmasin is managed by the bank at each branch office or unit so that each financial report and profit management at the bank is more specific. Islamic banking academics should always participate in the development of sharia banking by providing input to financial institutions and also providing understanding to the public so they can differentiate between the bank interest system and the profit sharing system in banking. And also provide knowledge so that people do not get involved in the practice of interest which can actually lead to usury.

Early marriage is a marriage that occurs at an age below the ideal provisions, where the prospective bride and groom are generally not physically, mentally, or financially ready. Therefore, early marriage is often considered a hasty decision because it is carried out without proper planning and preparation. The purpose of this study is to determine whether there is an effect of health education about early marriage on the level of knowledge and attitudes of adolescents at the Kuala Health Center, Kuala District, Langkat Regency in 2022. The type of quasi-experimental research with a research design using one group pre-post design, namely This type of research is used to determine the effect of health education about early marriage on the level of knowledge and attitudes of adolescents. This research was conducted at the Kuala Health Center, Kuala District, Langkat Regency in 2022. The population in this study amounted to 30 people, then the sample was part of all the objects studied and was considered to represent the entire population. The number of samples used was 30 people using the Total Sampling technique. The results of the statistical test results using the Wilcoxon test obtained the results of the p value of knowledge = 0.000 <0.05 and the p value of attitude = 0.000 <0.05. So it is proven that there is a significant influence between health education about early marriage on the level of knowledge and attitudes at the Kuala Health Center, Kuala District, Langkat Regency in 2022.

The importance of fishing boat maintenance cannot be underestimated. A well-maintained vessel not only increases efficiency in fishing operations, but also minimizes the risk of accidents at sea. Ship maintenance covers various aspects, from regular engine inspections, repairing damaged hulls, to ensuring that all safety equipment is in good condition. The purpose of this study is to increase the awareness and understanding of fishermen in East Sapa Village regarding the importance of ship maintenance and life safety at sea. This research method uses a qualitative method with a short description of the analysis. The results of this study show that although the fishermen of East Sapa Village have a basic awareness of the importance of boat maintenance and safety at sea, they face a variety of significant challenges, including limited resources, limited technical knowledge, and lack of relevant training. Financial and material constraints hinder the implementation of thorough ship maintenance, while a varied understanding of safety indicates the need for more in-depth education. Strong community cooperation and greater government support, including the provision of resources and training programs, are essential to address these issues and improve the well-being and safety of fishermen.    

The importance of fishing boat maintenance cannot be underestimated. A well-maintained vessel not only increases efficiency in fishing operations, but also minimizes the risk of accidents at sea. Ship maintenance covers various aspects, from regular engine inspections, repairing damaged hulls, to ensuring that all safety equipment is in good condition. The purpose of this study is to increase the awareness and understanding of fishermen in East Sapa Village regarding the importance of ship maintenance and life safety at sea. This research method uses a qualitative method with a short description of the analysis. The results of this study show that although the fishermen of East Sapa Village have a basic awareness of the importance of boat maintenance and safety at sea, they face a variety of significant challenges, including limited resources, limited technical knowledge, and lack of relevant training. Financial and material constraints hinder the implementation of thorough ship maintenance, while a varied understanding of safety indicates the need for more in-depth education. Strong community cooperation and greater government support, including the provision of resources and training programs, are essential to address these issues and improve the well-being and safety of fishermen.    

In general, many people choose to save and borrow money from financial institutions other than sharia banks, such as conventional banks and general cooperatives. In fact, conventional banks are known to adhere to an interest system which according to scholars is prohibited because interest is considered usury. Factors that can influence interest in saving at Islamic banks are knowledge, promotions and location. A person's knowledge about Islamic banks will influence customer interest, each bank tries to promote all the products and services it has, and the location of Islamic banks has easy assets. The aim of this research is to determine the influence of knowledge, promotion and location on the interest of the people of Pandan Jaya subdistrict, Tanjung Jabung Timur district to save in sharia banks. The type of research used in this research is quantitative descriptive research. The sample was selected using Accidental Sampling and the Slovin formula to obtain 98 respondents. The data analysis used is Multiple Linear Regression Analysis. The results of the research concluded that partially the variables knowledge, promotion and location had an influence on interest in saving at Sharia Banks in Pandan Jaya Village, East Tanjung Jabung Regency. Simultaneously, the variables of knowledge, promotion and location influence interest in saving at Sharia Banks in Pandan Jaya Village, East Tanjung Jabung Regency. Based on the coefficient of determination, it indicates that knowledge, promotion and location can influence interest in saving at Sharia Banks by 77.4%. It is hoped that people, especially Muslims, can save in sharia banks considering that sharia banks have used sharia principles in accordance with Islamic recommendations, sharia banks can increase people's interest in saving using Sharia Bank services by considering research variables, namely increasing knowledge, promotion and location, and further research can add other variables which are also thought to influence interest in saving at Sharia Banks.

Bank Wakaf Mikro (BWM) Sumber Barokah Denanyar Jombang is one of ten Islamic MFIs in the early stages of the 'Community Empowerment through the Establishment of Islamic MFIs around Pesantren‛ Program facilitated by the Financial Services Authority (OJK) and the Small Business Incubation Center (Pinbuk) by providing loan funds for more productive community business groups. The purpose of this assistance is to provide guidance and direction on the knowledge and implementation of the efforts to be made by the Denanyar Jombang Sharia Micro Waqf Bank in minimizing the risk of capital loans given to MSMEs as business capital. There are three (3) stages in this assistance: Preparation, Implementation and evaluation. The results of the assistance show: (1) An increase in efforts to minimize the risk of capital loans, (2) A decrease in the number of defaults on the risk of returning loan capital (3) An increase in family values and religiosity for customers who make loans.