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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 cryptocurrency investment models in relation to the prevention of money laundering (Anti-Money Laundering/AML) activities. Cryptocurrency, as a growing form of digital investment, has garnered attention from regulators due to its potential money laundering risks. This paper explores preventive strategies that can be implemented within cryptocurrency investment systems, including the use of blockchain technology, KYC (Know Your Customer) procedures, and international regulations such as the Financial Action Task Force (FATF) guidelines. Through a qualitative method based on literature review and policy analysis, the study identifies investment models that can minimize money laundering risks while maintaining profitability for investors. These findings provide insights into the challenges and solutions in developing a safer cryptocurrency investment system that complies with AML regulations.

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.

One of the roles of the Bank Perekonomian Rakyat (BPR) is to provide credit to improve the economic welfare of the lower middle class through micro and small business services. However, the provision of BPR credit is prone to misappropriation, one of which is used as an election campaign fund. This research is a legal research in analyzing the problem using literature study which is analyzed qualitatively. The results obtained from this research are that the misuse of BPR credit used as campaign funding can be suspected of being a criminal act of corruption and money laundering because it is obtained from state finances and there are indications of disguising and hiding money. The source of state finances provided to BPRs can be viewed in terms of state capital participation in the form of securities and the provision of facilities provided by the government. In anticipating campaign funds originating from criminal acts, the Badan Pengawas Pemilu must cooperate with other parties such as the Public Accounting Office to conduct campaign fund audits and related law enforcement officials such as the Pusat Penelusuran dan Analisis Transaksi Keuangan and the Corruption Eradication Commission to prevent and prosecute the use of money from corruption crimes for campaign funding.

Fuel is one of the important components in fishing activities. The cost incurred by fishermen for fuel is estimated to reach 60-70% of the total operational costs of fishing. Fluctuations in fuel prices felt by fishermen will have an impact on the sustainability of fishing activities, especially in the economic aspect, because fuel is one of the most important factors to support fishermen's activities. This study aims to analyze the survival strategies of small fishermen in meeting their living needs after the increase in fuel prices in Environment II, Pandan Village, Pandan District. This study uses a qualitative descriptive approach. Data collection techniques are carried out by literature studies, observations, interviews and documentation. The main informants in this study were five small fishermen, the key informant was the Head of Pandan Village, and an additional informant was one of the surrounding communities. The data obtained in the field were analyzed qualitatively to obtain conclusions. The results of the study show that small fishermen in Environment II, Pandan Village, carried out several survival strategies to meet their living needs after the increase in fuel prices, namely, diversifying livelihoods, diversifying fishing gear, extending working hours, involving wives in work, minimizing expenses, borrowing money from family and neighbors, and relying on assistance provided by the government.

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.

Ministerial Regulation Number 4 of 2017 concerning the Principle of Recognizing Service Users for Notaries was created to reduce even members of the crime of money laundering in Indonesia. This Ministerial Regulation is applied in the position of Notary in order to implement Government Regulation Number 61 of 2021 concerning the reporting party in the Prevention and Eradication of Money Laundering Crimes The increasing number of Money Laundering Crimes involving notary services in an effort to link the origin of assets derived from predicate crimes is the cause of the implementation of the Principle of Recognizing Service Users The type of research in this thesis uses normative legal research with a descriptive writing type The problem approach uses a qualitative approach. Data and Data sources use secondary data consisting of primary, secondary, tertiary legal materials. Data collection methods with literature studies, documentary studies and interviews with several parties, including the Ministry of Law and Human Rights and the Notary itself.

Consumptive behavior is the behavior of buying goods that are less necessary to fulfill personal satisfaction so that someone no longer distinguishes between needs and wants. The offers presented by e-commerce can be a risk for Udayana University students because they see it as an opportunity to tend to buy goods that may not be essential. When viewed physically, women tend to have more needs than men. So consumptive behavior must be accompanied by an understanding of the knowledge of managing money well. Financial literacy is very useful for students to avoid consumptive behavior. This study aims to see the effect of the use of e-commerce and financial literacy on the consumptive behavior of Udayana University students. The number of samples used in this study was 400 samples. The analysis techniques used were descriptive analysis techniques and Partial Least Squares (PLS) analysis. The results of this study indicate that the use of e-commerce has a positive and significant effect on the consumptive behavior of Udayana University students. This means that there is a unidirectional relationship between the variable of e-commerce use and the variable of consumptive behavior. Meanwhile, financial literacy has a negative effect on the consumptive behavior of Udayana University students. This means that there is a non-unidirectional relationship between the literacy variable and the consumer behavior variable.

The crime of counterfeiting counterfeit money often occurs in Indonesia. Various policies through laws and implementing regulations have been issued, but these crimes always occur. One of the processes of proving the crime of counterfeiting money is using forensic science, therefore, the author is interested in analyzing what is the role of forensic evidence in proving the crime of counterfeiting money? In this research, the type of research used is normative research using a conceptual approach (conceptual approach) and legislation (legislative approach) related to forensic science. The results of the research explain that forensic evidence plays an important role in the investigation process and ultimately the judge can determine what crime the defendant deserves, forensic evidence is one of the pieces of evidence that perfects previous or other evidence as explained in Article 184 Paragraph (1) of the Criminal Procedure Code and Article 187 letter c KUHAP. The author's suggestion from the conclusions obtained is that investigations into criminal cases of money counterfeiting should always use forensic laboratory tests to obtain accurate evidence.

This research aims to determine the influence of the bystander effect, whistleblowing and locus of control on accounting fraud with love of money as a moderation variable. The data collection method was carried out using a questionnaire. The research subjects were employees of the Gresik Regency Regional Apparatus Organization (OPD). The total sample processed was 100. The data in this research was obtained using PLS-SEM. The result of this research show that the bystander effect and whistleblowing variables have a positive and significant effect on accounting fraud, while locus of control has a negative and significant effect on accounting fraud. The love of money variable moderates the influence of bystander effects on accounting fraud, but love of moneuy variabel does not moderate the influence of whistleblowing and locus of control on accounting fraud.

This research aims to discuss sinamot in the Toba Batak tradition and find out that sinamot is a social stratification of the Toba Batak traditional community in Amborgang Village, Siempat Nempu sub-district, Dairi Regency. Method The research used is qualitative research with a descriptive approach. The author uses data collection techniques include observation, interviews and documentation. Based on research that has been carried out, the author obtained the results that the meaning of sinamot in the Toba Batak ethnic group is marriage payments in the form of money and wealth given by the paranak (male) to the parboru. (Woman). Furthermore, based on research, the function of ancient sinamot among the Toba Batak ethnic group was to Guarantees women’s rights in the form of property given as capital for the bride and groom when they marry, while the function of sinamot today in the Toba Batak ethnic group is a means of payment used to finance traditional wedding parties. Changes in the function of sinamot in the past in the Toba Batak ethnic group have changed, seen from its form which has changed into money, its function is to finance wedding parties and the process of giving sinamot is determined based on the considerations of both families. Future bride and groom. The conclusion shows that the form of sinamot evolved from valuable possessions changed Form into money. The determination of the number of sinamot is carried out at the stage of the marhata sinamot traditional event.  As time goes by, the tradition of giving sinamot to the Toba Batak ethnic group in ancient times has changed its function in the present day so that sinamot is no longer aimed at women but is given to the woman’s parents through a negotiation process between the two familie.

The Nias tribe generally chooses urban areas as a place to migrate because the city symbolizes dynamism and is the center of all progress. People who decide to migrate must determine the right destination area.  The people of Nias migrate to an area or leave their area for several reasons. Firstly, economic reasons, the difficulty of meeting living needs in their hometown is one of the factors that most influences the migration activities carried out by the people of Nias. Secondly, there is a social reason, there is an opinion that people who migrate to the other side are considered to have broader experience/insight, have a lot of wealth and money. Third, family reasons, the people of Nias migrate because they already have or have had family members or friends who have migrated first. In this research, researchers focused on the economic adaptation strategies of Nias migrants who migrated to Tarutung sub-district. The researcher chose the title of this research to find out how Nias migrants adapt to the economy in Tarutung. Researchers chose to conduct research on economic adaptation strategies for Nias migrants in Tarutung because the economy is a fundamental aspect of human life, including migrants. The type of research used in this research is qualitative approach research. Qualitative research is a research procedure that produces descriptive data in the form of written or spoken words from people and observed behavior.

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 study aims to analyze the optimalization of monetary policy and fiscal policy (current policies) in stabilizing the economy, to be precise in overcoming the unemployment rate during the pandemic in the 6 world’s highest unemployment countries (South Africa, Colombia, Philippines, Brazil, Chile, and United States). Where the monetary variables (Total Money Supply and Real Interest Rates), fiscal policy (government expenture and TAX revenue), and economic stability (inflation, GDP, and wages). This study uses secondary data or time series from 2005 to 2019. The data analysis models in this study are Simultaneous Regression, Vector Autogression (VAR) model, and ARDL Panel seen from sharpening with Impulse Response Function (IRF) analysis, and Forecast Error Variance Decomposition (FEVD), and ARDL Panel. The results of the IRF analysis show that the stability of the variable response is formed in period 8 or medium term and period 15 or long term, where the response of other variables to changes in one variable shows different variations from positive to negative responses or vice versa, and there are variables whose responses remain positive. to negative from short to long term. FEVD analysis results show a leading indicator as an operational target. Then the results of the ARDL Panel analysis show that the Inflation Panel, Total Money Supply, Interest Rates, Gross Domestic Product, Government Expenditure, TAX Revenue, and Wages are able to control economic stability, precisely at the unemployment rate in the 6 in the world’s highest unemployment countries back in the short term, as well as long-term.

In this era of globalization, technological progress is growing very rapidly, one of which is in the health sector. The development of various technologies makes it easier in the health sector, one of which is in the registration section. Bandar Lampung Adventist Hospital is one of the hospitals that utilizes technological advances using the Mobile JKN application. To achieve the goal of using the online registration system, 5 elements of management or management facilities are needed, namely: man, money, material, machine, and method. The purpose of this study was to review the use of an outpatient online registration system at the Adventist Hospital in Bandar Lampung. This research was conducted with quantitative descriptive methods, data collection instruments using observations and checklist sheets. From the observation that the man element in the use of the online registration system is not appropriate, this is seen from the HR in charge of the registration section is not a PMIK and of course does not have a medical record STR, the money element in the use of the online registration system is in accordance with this in terms of the budget for the use of an online registration system, the material element is also in accordance with this in terms of several machines used such as the presence of stable WiFi, queue card printing machines, computers, telephones, and televisions that are used as monitors, the machine elements are in accordance with this in terms of their presence an adequate WiFi network in the running system and a registration application system in the form of the Mobile JKN application. And the elements of the method are also in accordance with this in terms of the SOP for online outpatient registration and the registration procedure that is already running.

Fraud and money laundering are two forms of economic crime that harm many parties, both individuals and institutions. In order to combat and eradicate these crimes, law enforcement authorities often face difficulties in securing and recovering assets obtained from illegal activities. Therefore, the use of asset confiscation mechanisms becomes crucial in an effort to restitute victims and recover illicitly obtained funds.This thesis examines the practical legal challenges faced by the legal system in confiscating criminal assets. These include the process of investigation and gathering valid evidence, as well as the challenges of dealing with concealment and diversion of assets by criminals. Limited resources and differences in legal systems between countries are also factors that affect effective asset forfeiture.Next, the author reviews various strategies and policies that can be implemented to improve the efficiency of confiscating criminal assets. The main focus includes increased cooperation between law enforcement agencies, the use of modern technology in asset analysis and tracking, as well as efforts to raise public awareness about the importance of returning illegally obtained assets.Finally, the author presents decision Number: 1221/Pid.B/2020/PN JKT.SEL or a successful case in conducting asset confiscation for fraud and money laundering. These cases provide valuable lessons on effective tactics and strategies in facing the challenges of economic crime.In conclusion, asset forfeiture is an important tool in the fight against fraud and money laundering. Through greater international cooperation, improved legal systems, and the implementation of appropriate strategies, it is hoped that asset recovery efforts related to economic crime can become more successful and have a positive impact on victims and society as a whole.  

Investment is the act of placing funds in the hope of getting additional money or profits. Basically, investing involves placing a certain amount of funds today in the hope of making a profit in the future. From this understanding, it can be concluded that stock investment is the allocation of current sources of funds with the hope of gaining profits in the future through purchasing securities in the form of shares. The aim is to obtain additional or certain profits from the funds invested in trading shares on the stock exchange.  

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.

Beauty clinics are currently a primary need for women and men. This is proven by the increasing number of beauty clinics that are expanding in Binjai City. This makes consumers have to be more selective in choosing a beauty clinic so they don't have to waste a lot of time and money. Beauty Clinics are included in service businesses that aim to provide satisfaction for customers or consumers. With the emergence of various types of Beauty Clinics, competition between one Beauty Clinic and another has become increasingly fierce, thus encouraging each Beauty Clinic to try to improve the quality of its products and services.