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The maritime industry requires financially literate and strategically competent professionals to navigate challenges in shipping management, business sustainability, and economic resilience. However, vocational maritime education often lacks practical financial training and sustainability-driven business strategies, creating gaps between academic learning and industry needs. This research addresses these gaps by analyzing how maritime education aligns with financial sustainability and business competency development. Unlike previous studies that separately examine maritime education or financial sustainability, this research integrates expert insights, graduate experiences, and educator perspectives to develop a holistic framework for maritime business and financial training. The findings contribute to policy discussions on improving vocational curricula and bridging industry-academia gaps. This study investigates the effectiveness of maritime vocational education in developing competencies in financial decision-making, economic resilience, and business sustainability. It evaluates curriculum alignment with industry demands and identifies key areas for enhancement. A qualitative research design was used, incorporating semi-structured interviews with 13 maritime professionals, 4 educators, and 33 graduates. Thematic analysis was applied to assess vocational training effectiveness in financial sustainability and business resilience. Findings reveal strong technical competency but gaps in financial literacy and sustainability-driven business strategies. Maritime education programs scored 9/10 in effectiveness, but practical applications of financial decision-making and risk management need reinforcement. This study provides actionable insights for vocational training reforms, emphasizing applied financial education, industry collaboration, and sustainability-driven business strategies. The findings support future curriculum development to equip maritime professionals with enhanced financial and managerial competencies for industry leadership.

This article explores a community service initiative aimed at enhancing literacy among children in Rejatengah Village, Indonesia, as part of the national effort to develop Indonesia’s Golden Generation by 2045. The project was conducted by a team from Al Maksum College of Teacher Training and Education over a one-month period, targeting children aged 6 to 9 years. The initiative involved comprehensive educational activities, including literacy assessments, interactive workshops, and parental involvement, to foster a supportive learning environment. Significant improvements in literacy skills were observed, attributed to the innovative teaching methods and community engagement strategies employed. The establishment of a permanent educational resource center has ensured the sustainability of educational efforts, serving as a model for similar interventions in other rural areas. This project not only highlights the critical role of community-based educational programs in enhancing literacy but also demonstrates the potential of such initiatives to contribute to broader national development goals.

The development of information and communication technology in Indonesia continues to grow rapidly, as evidenced by the internet penetration rate reaching 73.3% in 2019 (APJII). With 144.19 million out of 196.71 million Indonesians having internet access, the country has become the largest digital economy market in Southeast Asia (Google e-Conomy SEA, 2020). West Java Province recorded the highest number of internet users, followed by Central Java, DKI Jakarta, and Jambi. In response to this development, President Joko Widodo has designated accelerating digital transformation towards becoming a "digital nation" as one of the main visions of his administration, focusing on the development of digital talent human resources. This program emphasizes the importance of digital literacy, which includes individuals' ability to access, understand, create, communicate, and evaluate digital technology (UNESCO, 2018). The Minister of Communication and Information Technology targets digital literacy for 12.5 million Indonesians by 2020–2024 to enhance cognitive abilities beyond merely operating devices. In this context, lecturers from the Institute of Technology and Business Pelita Raya launched a community service activity on digital literacy themed "Embracing Technology: Equipping Students in the Digital Era at SMA N 12 Tanjung Jabung Barat." This activity aims to equip students with relevant digital skills to face the challenges of the digital era and contribute to Indonesia's digital transformation.

Increasing community literacy in environmental management is a strategic step to realize sustainable development. One practical approach that can be implemented is through community-based education. This article examines how local communities can become agents of change in increasing public awareness and understanding regarding environmental issues, such as waste management, natural resource conservation, and adaptation to climate change. Through a participatory approach, community-based education encourages direct community involvement in designing and implementing environmental programs that suit local needs. Case studies from various regions show that collaboration between communities, government, and the private sector can increase the effectiveness of educational programs and create long-term impacts. The work programs are processing organic and inorganic waste, processing agricultural land, planting trees, preventing dengue fever and making anti-mosquito spray, providing information related to Hoaxes and phishing link modes, and collecting data on MSMEs. Apart from that, there are also work programs regarding learning posts, introducing waste banks, making street signs, and creating village websites. The results obtained from this activity are an approach to the community through social activities carried out with residents and increasing community insight through the outreach and training programs provided. Apart from that, village facilities can be improved by creating street signs and village websites. It is hoped that the results of this study can become a practical guide in developing a sustainable community-based education model for environmental management.

The objective in this study involves demonstrating the importance in the role of Islamic economic units in eradicating accounting illiteracy, because the adoption of specific basics can enhance transparency and contribute to improving the level of financial reporting, which enhances confidence between investors and customers and thus facilitates decision-making and enables shareholders through informed decisions based on accurate financial information provided by those units, which achieves sustainable economic development and enhances the ability of those units to adapt to economic and social variables as The adoption of these units of Islamic accounting standards based on the principles of Islamic Sharia will help enable individuals working in these units and stakeholders to understand the principles of Islamic accounting and associated standards and then direct them towards correct investment decisions, this research used the deductive approach in the theoretical side and the inductive approach in the practical side by preparing a survey list for a sample of workers in Islamic economic units as well as investors and stakeholders, as the sample included 70 forms that were analyzed statistically. Using the SPSS program, it was concluded that there is a role for the adoption of Islamic economic units of AAOIFI  standards in the eradication of accounting illiteracy and its reflection on investment decisions, and the research recommends the need to pay attention to important methods and procedures in promoting accounting literacy in Islamic economic units through the organization of workshops and training courses for employees.Establishing educational curricula commensurate with their needs, cooperating with educational institutions, and preparing partnerships with universities and institutes to provide specialized educational programs to support this field, as accounting literacy in Islamic economic units needs integrated efforts based on activating Islamic accounting standards, which contributes to achieving sustainable development and enhancing economic performance.

The development of information technology in this era has had quite a big impact throughout the world on changes in various fields. One form of technological development is the birth of social media. Social media has an influence on shifts and changes in people's behavior and life in terms of ethics, norms and culture. There are various impacts of social media, both positive and negative impacts. To be able to prevent negative impacts or negative impacts from occurring, an in-depth understanding of good ethics in communicating on social media is needed. This research aims to increase the understanding of Ananda Bekasi Vocational School students about social media ethics through a systematic educational program. With the rapid development of information and communication technology, the use of social media among teenagers is increasingly widespread, but is often accompanied by unethical behavior. The methods used in this research include seminars, interactive discussions, and creating positive content. The activity was attended by 260 students, and the results showed a significant increase in ethical awareness of social media, from 60% to 85% after the program. Participant responses showed high enthusiasm, with 96% finding this activity useful. Apart from that, students succeeded in creating various content that was educational and inspiring. This research emphasizes the importance of social media ethics education as a proactive step in forming positive behavior among teenagers, especially students at Ananda Bekasi Vocational School, and recommends implementing similar programs on an ongoing bas

This study examines strategies to increase financial literacy to encourage the growth of MSME financial performance in Semarang Regency. Using a qualitative approach, the study involved 120 MSMEs with data collection through in-depth interviews, observations, and focus group discussions. The results of the study show that the condition of financial literacy is still low, with 65.3% of MSMEs not doing regular financial records, 77.5% mixing business-personal finance, and 81.7% lacking understanding of financial products. Structured mentoring programs with a holistic approach have proven to be effective in increasing the financial management capacity of MSMEs, marked by an increase in turnover (35.2%), operational efficiency (24.7%), and access to capital (19.8%). Multi-stakeholder collaboration and digital technology integration are key factors in the success of the program. The research results in a financial literacy development framework that can be adapted for implementation in other regions.

This study aims to explore the sustainability of Rumah Susun Sederhana Milik (Rusunami) as a viable housing solution for Low-Income Communities (MBR) in Surabaya. The study adopts a qualitative approach using a case study method. Data were collected through in-depth interviews with residents, management representatives, and local government officials, as well as through field observations. Data analysis was conducted based on the indicators of the Adequate Housing Framework by UN-Habitat, which include secure tenure, affordability, habitability, accessibility, location, and the availability of basic services. The findings reveal that Rusunami is capable of providing affordable housing for MBR with a permanent ownership system, despite facing major challenges such as administrative barriers and low financial literacy. The program has proven to contribute to improving the quality of life of residents and reducing socio-economic inequalities. To ensure long-term sustainability, strategic measures are needed, such as simplifying administrative procedures and enhancing the financial literacy of the community. Development recommendations include improving the administrative system to ensure the program can be accessed by a larger number of MBR optimally.

This community service aimed to enhance the digital literacy of Muslim community leaders (Takmir Masjid) in Klaten Utara, Indonesia, to improve the effectiveness of da'wah communication. The training program focused on equipping participants with the knowledge and skills to utilize digital platforms for religious outreach. The program covered various topics, including creating engaging content, utilizing social media effectively, and understanding digital ethics. Participants learned to create informative and engaging da'wah content by utilizing various digital platforms and multimedia tools. The training employed a participatory approach, involving lectures, discussions, and practical exercises. A total of 30 Takmir Masjid from 30 mosques participated in the program. The results showed a significant improvement in participants' understanding and skills in using digital media for da'wah purposes. This program is expected to contribute to the development of more effective and engaging da'wah communication in the digital age, fostering a broader reach and deeper understanding of Islamic teachings within the community.

The program Smart Saving Education: Building Financial Habits Among Elementary Students of SDN 168 Sinar Bhakti Village was conducted as part of the 34th Community Service Program (KKN) by Universitas Baturaja. This activity aimed to enhance financial literacy among elementary school students from an early age. The main problem identified is the low awareness among children regarding the importance of saving and prudent money management. This program employed an interactive socialization method involving visual aids, educational games, and group discussions to facilitate understanding. The activity was conducted in a one-day session involving 40 students from grades 4, 5, and 6 of SDN 168 Sinar Bhakti. The results indicated improved understanding among students about the importance of saving, as reflected in their ability to explain the benefits of saving, prioritize needs, and create simple plans to save money. Moreover, most students expressed high enthusiasm to start saving independently. The activity also fostered a culture of discussion among students, teachers, and parents regarding basic financial management. These findings indicate that interactive education approaches are effective in fostering good financial habits among children. This program is expected to be a starting point for the sustainable development of financial literacy among younger generations.

This research examines crucial issues related to the development of a sustainable e-commerce ecosystem for the creative industry in Indonesia. The main problems identified are uneven digital infrastructure, lack of digital literacy, and fierce competition in local and global markets. The purpose of this study is to analyze the challenges and opportunities faced by creative industry players in utilizing e-commerce platforms. The method used is literature review by collecting data from various secondary sources, including journal articles and policy reports. The results of the study show that collaboration between the government, the private sector, and local communities, as well as effective training programs, are very important to improve the competitiveness of creative industry players. The conclusion of this study emphasizes the need for an integrated approach in creating an e-commerce ecosystem that supports the growth of the creative industry in the digital era.

This study aims to explore the concept of habituation in Islamic education as an effective strategy for shaping the character of elementary school students. Through a library research approach, this study analyzes relevant principles of Islamic education and their application in the context of modern education. The findings reveal that habituation based on Islamic values, such as honesty, discipline, responsibility, and tolerance, significantly impacts character development in students. Consistently implemented habituation methods, through exemplary practices and daily routines, have proven effective in internalizing these values. Innovations in habituation, such as the integration of digital technology, Qur'anic literacy, and flagship tahfidzul Qur'an programs, strengthen the implementation of character education in elementary schools. However, challenges such as limited resources, parental involvement, and technological adaptation require strategic solutions, including teacher training and multi-stakeholder collaboration. This study emphasizes that habituation in Islamic education is not only relevant but also adaptable to the needs of modern education, making it a transformational strategy for shaping a generation with noble character, knowledge, and integrity.

The study is titled Analysis of Digital Literacy Ability Levels at Grand Dian Slawi Hotel Staff. The purpose of the study is to evaluate and understand the level of digital literacy capabilities owned by Hotel Grand Dian Slawi staff in various aspects, such as the use of information technology, digital communication, online collaboration and data security. The study used a quantitative approach with survey methods using questionnaires deployed to 26 hotel staff. The results of the study showed that most staff have excellent digital literacy rates with an average percentage of 92.31%. There are still some aspects that need to be improved, such as understanding digital ethics and valid information selection. The findings provide useful insights for the development of training programs that are more effective in improving digital skills in hospitality work environments. Keywords digital literacy, hotel staff, information technology, digital communication

Lebu Digita (LeDig) is a program to realize a Smart Village or 'Smart Village' which aims to change the use of digital technology both in community services and in village government administration. The implementation of this program has used sufficient resources, both in terms of funds and other resources provided by the Indramayu Regency Government. This program aims to achieve the development strategy that has been planned by the Indramayu Regency Government and surrounding villages with the main goal of providing digital-based services for the Indramayu Regency Community. The use of a digital-based system must also be supported by strengthening user competencies through a digital literacy training program for village communities. This community service program aims to increase public awareness of information security in using digital media in the LeDig Program can increase productivity, expand markets, and create new jobs in Indramayu Regency. This community service activity also resulted in a measurement of the level of public awareness of information security using an instrument developed based on the COBIT 2019 Framework. From the results of this measurement, it can be determined the follow-up to the community service program that will be carried out next for the community using the LeDig program in Indramayu Regency, the implementation of which was carried out by a research team from the Faculty of Computer Science, UPN Veteran Jakarta in collaboration with partners from UNIZA, Malaysia.Lebu, Digital, Indramayu, Security, information.

The implementation of digital payments in micro, small, and medium enterprises (MSMEs) in Indonesia is one of the important steps to increase business competitiveness in the digital era. The Community Service Program (PKM) aims to provide digital literacy assistance to MSME actors by focusing on the implementation of digital payment systems, such as e-wallets and QRIS. This activity was carried out by a team of lecturers from Prasetiya Mandiri Polytechnic and PGRI Palembang University, which involved practical training and direct assistance to MSMEs. Through this training, it is hoped that MSME actors can optimize the use of digital payment technology to improve transaction efficiency and expand their market reach. In addition, intensive assistance is also provided to overcome technical obstacles in the implementation of the digital payment system. The results of this program show that MSME actors who participate in this mentoring experience increased understanding and skills in using digital payment technology, which has an impact on increasing the competitiveness and operational efficiency of their businesses. This program also makes a positive contribution to the development of MSMEs that can adapt to technological developments and an increasingly digital market.

The development of competent human resources (HR) is a top priority for improving the quality of life in society. In education, teachers' ability to enhance their skills is key to successful learning. However, many teachers struggle to adapt teaching methods to the demands of the digital era, especially in utilizing Artificial Intelligence (AI) technology. AI offers innovative solutions such as personalized learning and adaptive platforms that enhance the effectiveness of teaching and learning processes. This study examines the implementation of AI-based learning models and teacher training programs in Muhammadiyah schools in Semarang. Using the Training of Trainer (ToT) approach, the program equips teachers with skills such as using adaptive learning tools and AI-based evaluation systems. The study employs a mixed-methods approach involving practical training and result evaluation. The findings reveal improved digital literacy and confidence among teachers in using AI for interactive learning. In conclusion, AI has great potential to transform education, but its success depends on comprehensive, ethical, and sustainable strategies. The ToT program serves as a strategic step to empower teachers to face educational challenges in the digital era.

The development of basic computer skills in primary school students in rural areas remains a challenge. This community service activity aims to develop basic computer skills for primary school students in Saringembat Village, a rural area with limited access to information technology. The program is designed to improve students' digital literacy through intensive training that includes hardware introduction, basic software operation, and technology application in daily learning activities. The implementation approach involves active participation from teachers, and parents. Training methods include hands-on practice sessions, group discussions and skills evaluation through quizzes. The results of the activities show significant improvements in students' understanding and ability to use computers to support learning. This program has a positive impact on improving digital literacy in rural areas and is expected to be replicated in other areas with similar conditions.

This study aims to explore the role of cross-cultural Christian education in cyberspace in supporting the formation of virtual faith communities for global spiritual formation and interfaith dialogue. Issues that include the challenges of globalization and digitalization that change the way communities interact, especially in religious contexts. The methods used are concept analysis and literature studies that support the development of a theoretical framework for digital-based cross-cultural education. The results of the study indicate that digital platforms can be an effective means of creating inclusive cross-cultural dialogue spaces, strengthening spiritual identity, and facilitating cross-cultural learning. The findings also highlight the importance of design programs that are sensitive to cultural and technical contexts. The main conclusion of this study is that cross-cultural Christian education in cyberspace can be a powerful tool for advancing global solidarity and interfaith dialogue. However, its success depends on collaboration between educators, technology developers, and religious communities, as well as attention to obstacles such as digital literacy and unequal access to technology.

This community service program aims to empower Micro, Small, and Medium Enterprises (MSMEs) through business development based on the sharia economy. MSMEs have a strategic role in the economy, but still face various challenges, especially in the application of sharia economic principles that can increase competitiveness and the desire to do business. This program is designed to improve Islamic financial literacy, introduce business contracts in accordance with sharia, and provide halal digital marketing training. The method of implementing the activity includes a participatory approach with various stages, ranging from problem identification, training, mentoring, to success evaluation. The target of the program is MSME actors in certain regions who have great potential to adopt the concept of sharia economics in their businesses. The results of this activity showed an increase in participants' understanding of the concept of sharia economics, followed by changes in business practices that are more in line with Islamic principles. Some participants began to implement sharia contracts in their transactions, access sharia financing, and take advantage of halal branding-based digital marketing. This program also found several obstacles, such as low initial understanding of the sharia economy, limited access to Islamic financial institutions, and resistance to changes in the business system. However, through intensive strategy education and support from various parties, most of these challenges can be overcome. The conclusion of this activity is that business development based on the sharia economy can be a solution for MSMEs in increasing their competitiveness in the wider market. The next program recommendations include strengthening digital-based education, increasing access to sharia capital, and establishing a sharia-based MSME community as a forum for collaboration and sustainable business development.

Cooperatives have a strategic role in supporting the local economy and improving community welfare. However, many cooperatives face challenges in managerial and leadership aspects that hinder their competitiveness. This article discusses the results of community service programs aimed at improving managerial capacity and leadership at the Prosperous Citizen Development Cooperative in Pamekasan. The approach used includes training, mentoring, and hands-on mentoring, with a focus on strengthening strategic planning, operational management, and innovative leadership skills. The target of the program is cooperative administrators and key members who have a strategic role in the organization. The results showed significant improvements in managerial skills, leadership mindsets, and member involvement in strategic decision-making. This program also has an impact on more professional cooperative management, increased competitiveness, and strengthening the cooperative's external network. However, the evaluation of the program identified several obstacles, such as participants' time constraints, low levels of digital literacy, and resistance to change. To overcome this obstacle, it is recommended that there be more focused continuous training, flexibility in implementation time, and collaboration with external parties such as the government and educational institutions. This article emphasizes the importance of strengthening the capacity of human resources to support the transformation of cooperatives into competitive economic entities. This approach not only provides internal benefits for cooperatives, but also contributes to the development of the local economy in a sustainable manner. Thus, this service model can be a reference for the development of cooperatives in other regions.