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This research aims to analyze the scheduling of the fiber optic network construction project in Lemo-Lemo, Bulukumba, using the Critical Path Method (CPM). This method was chosen to improve time and cost efficiency in project implementation. Research data were obtained through field observations, literature studies, and interviews with related parties. Analysis was carried out by mapping project activities, estimating duration, and calculating resource requirements and project costs. The results showed that the application of the CPM method was able to accelerate project completion from the initial estimate of 40 days to 21 days, with time savings of 19 days. In addition, the project cost which was initially estimated at Rp. 38,386,680 was successfully reduced to Rp. 37,000,000, resulting in a savings of Rp. 1,386,680. In conclusion, the CPM method proved to be effective in improving time and cost efficiency in fiber optic network construction projects. Therefore, it is recommended that this method be applied consistently in similar projects in the future.

Domas Village, located in Mojokerto Regency, faces challenges in family financial management that impact the community's welfare. The Community Service Program (KKN) of UPN "Veteran" East Java aims to provide innovative solutions through financial education for the PKK mothers in the village. The methods used include presentations, discussions, practical workshops, and household mentoring. Through presentations and discussions, participants are given basic knowledge about financial literacy, the importance of saving, and how to create a household budget. Practical workshops help participants practice budgeting and debt management strategies. Household mentoring ensures the implementation of the acquired knowledge. The results of this program show an increase in awareness and knowledge of financial management among PKK mothers, reflected in the increased number of families who start budgeting and saving regularly. Consequently, this program has successfully created sustainable social change in the lives of the local residents

The banking industry has a very important role in a country's economy. One of the things related to the banking sector is operational activities towards the environment. The increasing environmental damage that occurs is a form of human indiscipline in managing natural resources. Therefore, efforts that banks can make to implement environmentally friendly practices in their operational activities are green banking by considering the 5P aspects, namely People, Planet, Partnership, Peace and Prosperity. Even though banks do not contribute directly to environmental pollution, sectors that carry out business activities cannot possibly operate if they do not have capital to finance their operations and one of the financial institutions that provides capital in the form of financing is banks. So, indirectly banks play an important role in environmental sustainability. This research aims to investigate the impact of green banking on financial inclusion and the growth of Islamic banking in Indonesia. The data analysis method employed is the Seemingly Unrelated Regression (SUR) method. The research approach is associative/quantitative, utilizing secondary data obtained and processed from annual reports and sustainability reports available on the official websites of the respective companies. Additionally, references from scientific journals and previous studies on selected Islamic banks are used. The sample includes PT. Bank Central Asia Sharia Tbk, PT. Bank KB Bukopin Syariah Tbk, PT. Bank Mega Syariah Tbk, PT. Bank Muamalat Indonesia Tbk, PT. Bank Panin Dubai Syariah Tbk, and PT. Bank National Retirement Savings Account Sharia Tbk, covering the period from 2019 to 2023.

Growing demand for electricity savings has led to the development of an automatic LED emergency light system. It is based on providing light when the power is cut off. Once fully charged, the battery ceases charging, and in the event of a power failure, the LEDs are automatically powered by the battery. The project focuses on two primary functions: it automatically activates during power outages to give illumination, eliminating the need to search for the switch, and the battery rapidly begins recharging as the main power is restored. The emergency light is crucial due to the inconsistent voltage distribution and frequent power outages in operational regions of communities and diverse enterprises. The system includes a power supply that converts 230V AC to 12V DC, a relay that uses a control pulse to alternate between connecting the battery to the LEDs and isolating it, and a rechargeable Li-ion battery that supplies power to the LEDs during blackouts. The parallel-connected LEDs light up during a power outage in the circuits. The circuit architecture shown here serves to mitigate the entire discharge of the battery, hence enhancing the battery's longevity. Key components of the system include a step-down transformer, a bridge circuit to convert AC to DC, a Zener diode to maintain voltage stability, capacitors for energy storage, and various diodes to control current flow. The project highlights the advantages of LED emergency lights, such as efficiency, longevity, and minimal energy waste, though it acknowledges the higher initial cost and temperature sensitivity as disadvantages. The automatic LED emergency light is suitable for use in homes, offices, retail shops, and other commercial settings. The project demonstrates a cost-effective and compact solution that enhances daily life by providing reliable lighting during power failures.

The adoption of Robotic Process Automation (RPA) has emerged as a crucial strategy for medium-sized enterprises (SMEs) to streamline back-office operations, enhance productivity, and reduce operational costs. RPA involves the use of software robots to automate repetitive, rule-based administrative tasks, allowing employees to focus on more complex, value-added activities. This study explores the implementation of RPA in medium enterprises, focusing on its impact on cost efficiency, administrative workload reduction, and operational performance. The research uses a case study approach, analyzing medium enterprises that have adopted RPA to assess the effectiveness of automation in improving business processes. Data collection methods include interviews, surveys, and company reports to evaluate how RPA affects workload, accuracy, and cost savings. The findings indicate that RPA significantly reduces manual administrative tasks, leading to faster processing times, lower error rates, and substantial cost savings. Employees in enterprises that adopted RPA reported increased job satisfaction due to the reduction of monotonous tasks and the opportunity to engage in more strategic work. However, challenges such as employee resistance, data security concerns, and system integration complexities were also identified. The study compares RPA’s impact with traditional manual processes, highlighting improvements in speed, accuracy, and overall cost efficiency. Additionally, the study compares RPA adoption across industries such as manufacturing, retail, and service, revealing sector-specific challenges and successes. The paper concludes by emphasizing the practical implications for SMEs, suggesting that RPA can optimize business operations and urging further research on its long-term effects on employee roles and organizational culture.

Santri participated in building this nation as lost in the history of his people. Joko Widodo set National Day of Santri as a form of appreciation, considering the struggle of scholars and former santri contribute to the struggle for independence. 22 October was decided as National Day of Santri taken from the event of jihad resolution Hadratussyaikh Hasyim Asyari where defend his legal homeland fardlu ain. The purpose of this research is to know the implications of National Santri on the development of Islamic education in Indonesia. This research is done by qualitative approach using descriptive method. Data collection techniques include interviews, documentation, and literature studies. The result of the research shows that National Saving Day has not seen significant impact considering National Sdri Day has been running for two years, in the course of National Day of Santri is expected to restore the existence of santri and known to the wider community which in turn fosters the spirit of nationalism. The existence of National Saving Day is expected santri and Muslims in general have a high spirit in filling independence.

This general sharia savings product is a deposit which in principle is a pure savings from the party who keeps it or entrusts it to the party who receives the deposit for use or not in accordance with the contract used. Sharia general savings itself has a mechanism where the mechanism is an important thing for banking. Knowing the financing mechanism will attract people's interest in saving or making loans to the cooperative. If the BMT mechanism is well organized it will also increase public trust in carry out transactions in the cooperative. The interesting thing about why researchers want to examine the general sharia savings financing mechanism is because when conducting observations and interviews the researchers found a positive response from members who saved. The focus of this research is how the general sharia savings mechanism at BMT Maslahah Capem Gending is used so that members can understand the mechanism to determine member responses and member growth in saving. This research uses a descriptive-qualitative approach by conducting observations, interviews with the head of the BMT Maslahah Capem Gending branch and members, supported by several journals related to general sharia savings. The results of research at BMT Maslahah Capem Gending regarding the sharia general savings financing mechanism have been running well and efficiently so that the growth of savings members increases from year to year.

In order to reduce poverty and inequality and increase economic growth and productivity, the paper examines the importance of financial inclusion and national development in Nigeria, with a focus on Niger State. It does this by assisting individuals and businesses, particularly small and medium-sized enterprises (SMEs), in saving and investing, managing financial risks, and facilitating smooth consumption. This study identifies major supply-side and demand-side obstacles to financial inclusion as well as structural barriers, and it draws attention to Niger's relative behind other WAEMU nations in terms of youth and women's use of formal financial services. In order to assist the nation's development goal, it lays out major targets for Niger to harness the potential of increased financial inclusion. These include initiatives to address inadequate financial literacy, encourage digitization, and address informality.

The process of handling financing aims to identify strategies for addressing problematic financing in savings and loan cooperatives or BMT (Baitul Maal Wat Tamwil). The research method employed is qualitative, utilizing structured interviews, field observations, and documentation for data collection. The primary factors contributing to problematic financing in BMTs are identified as internal factors (suboptimal analysis of documents and adherence to financing standard operating procedures) and external factors (dishonesty and untrustworthiness among members, malicious intentions, procrastination by members, and unintentional factors such as relocation and natural disasters). Handling strategies involve communication via mobile phones (WhatsApp messages or calls), issuing warning letters, and executing collateral. Efforts to mitigate problematic financing include strict adherence to standard operating procedures, adequate task allocation, the application of prudence principles, and enhancement of employee skills.

This research was conducted among the people of Suka Makmur Village, Muaro Jambi Regency, among whom work as farmers and traders. In the lean season, they still have to fulfill their daily needs, such as clothing, food and shelter. Apart from that, they also have to save and invest to meet future needs. This research aims to: (1) find out strategies for managing family finances in an Islamic way in creating a sakinah family. (2) knowing the supporting and inhibiting factors faced by the people of Suka Makmur Village, Muaro Jambi Regency in managing family finances in an Islamic manner in creating a sakinah family. This research uses a qualitative approach with the type of field research. Determining the research subjects was purposive and used data collection techniques through observation, interviews and documentation. The results of this research show that the Islamic family financial management strategy in creating a sakinah family in the Suka Makmur Village community, Muaro Jambi Regency has carried out financial planning such as managing family finances, savings, investment and zakat. Meanwhile, the supporting and inhibiting factors faced by the people of Suka Makmur Village, Muaro Jambi Regency in managing family finances in an Islamic manner in creating a sakinah family. Supporting factors are faced such as instilling mutual respect, providing support to your partner or family, and having a good personality such as being frugal. Meanwhile, factors such as wasteful nature, lack of communication, and economic problems.    

Lean Inventory Management is a systematic approach that focuses on reducing waste in the inventory management process to improve operational efficiency and reduce costs. This study aims to analyze the impact of Lean Inventory Management implementation on reducing inventory costs in manufacturing companies. This research uses a case study method in a manufacturing company that has implemented Lean Inventory Management. Data were collected through in-depth interviews, direct observation, and analysis of company documents. The analysis techniques used include descriptive and comparative analysis to measure changes in inventory costs before and after implementation. The results showed that the implementation of Lean Inventory Management succeeded in significantly reducing inventory costs. Some of the strategies implemented include the implementation of Just-In-Time (JIT), reduction of buffer inventory levels, improved coordination with suppliers, and the use of information technology for real-time inventory monitoring. In addition, the company also noted improved operational efficiency and customer satisfaction as a positive impact of implementing Lean Inventory Management. This study concludes that Lean Inventory Management is an effective approach to reduce inventory costs in manufacturing companies. Proper implementation of lean strategies can result in significant cost savings

The aim of this research is to determine the effect of the Upin & Ipin cartoon film on morale in children aged 5-6 years in Tuna Jaya Kindergarten. Background Moral development in children is the child's behavior and good behavior, namely honesty, tolerance, through the Upin & Ipin cartoon film there is moral development in children, teaching positive values ​​that are useful in everyday life. The research method used was a single subject quantitative experimental method, the data collection technique was observation, documentation. The results of this research show that the influence of the Upin & Ipin cartoon film on morale in children aged 5-6 years at Tunas Jaya Kindergarten has a positive impact on children. There is a positive impact on children after watching the Upin & Ipin cartoon film. Children are more knowledgeable. Have a good attitude. Moral development. Cooperation, mutual help, saving, keeping the environment clean. Children imitate the attitudes found in the Upin & Ipin cartoon series. Children will model what the child sees.

Reusing used mineral water bottles as material for making piggy banks is a popular way to teach children about the importance of saving from an early age. This practice also has the added benefit of reducing the amount of plastic waste scattered around the living environment. Plastic waste that is not managed properly can cause serious environmental pollution. The service activity at Primary School 56, Tihu Subdistrict regarding making piggy banks from used bottles aims to train children's skills in processing used goods into something useful, but also to teach the importance of saving from an early age. Making piggy banks from used bottles is an opportunity for children to develop their creativity by utilizing used items into useful products. Through this activity, children can learn while being creative, understanding the importance of protecting the environment and managing waste better, as well as motivating them to like saving.

This research investigates the impact of credit services provided by Makmur Bersama Savings and Loan Cooperative on the income of its members in three main dimensions, namely credit contribution, credit services, and business improvement through credit services. The research employs a quantitative approach using the SPSS version 22 statistical tool. The study was conducted in the Jati Rungo Village, Pringapus District, Semarang Regency, Central Java, with the entire population of members serving as the sample. The results of the analysis indicate that the credit contribution variable has a relatively small but significant influence on member income, while the credit services and business improvement through credit services variables have a positive and significant impact on member income. Simultaneous hypothesis testing confirms the significant effect of at least one independent variable on member income. In conclusion, the observed factors such as credit contribution, credit services, and business improvement through credit services have a significant influence on cooperative member income, providing crucial insights for cooperative management to enhance services and financially empower their members.

This study aims to identify the factors influencing delays in the claim process of theRetirement Savings Scheme (JHT) at the BPJS Employment Branch Office in Medan. Aqualitative approach was employed through in-depth interviews with BPJS employees,rticipants,andbranch managers.The findingsrevealthatinternalfactorssuch asincomplete documentation, human resource limitations, and technological system disruptionsplay a significant role in causing claim delays. Additionally, external factors includingsuddengovernmentregulatorychangesand inadequateparticipantinformation alsocontribute to these delays. The impact of claim delays on participant satisfaction is profound,necessitating improvements in claim management administration. Based on these findings, itis recommended to enhanceparticipant education and awareness, strengthen humanresources, improve technological system reliability, and develop adaptive mechanisms forregulatory changes to enhance efficiency and participant satisfaction in the JHT claimprocessattheBPJS EmploymentBranchOfficein Medan

The formulation of the problem in this research is: Does the quality of bank service influence the customer's decision to choose IB Fajar Mudharabah Savings at PT. BPRS Fajar Sejahtera Bali? This type of research is quantitative research and data collection methods by distributing questionnaires and documentation. The research subjects used a population of 2,764 customers and a sample of 30 customers. The analysis in this research uses IBM SPSS 25. The results of this research show there is an influence between service quality on the customer's decision to choose where t count > t table is 3.549 > 1.695. There is an influence of service quality on customers' decisions to choose IB Fajar Mudharabah Savings at PT. BPRS Fajar Sejahtera Bali.

In today's digital era, almost all parts of human life depend on the development of information and communication technology, which helps in increasing efficiency, effectiveness and cost savings in various activities. The role of information and communication technology is very vital in human life today. The National and Political Unity Agency (BAKESBANGPOL) is a government agency which has the main task of social and political development in the Central Lombok Regency area. BAKESBANGPOL has implemented a system or application called e-Kinerja. The implementation of the e-Kinerja application is said to be running quite well and is easy to use, however the e-Kinerja Application also often experiences problems such as frequent human errors and lack of socialization of the e-Kinerja Application which will have an impact on decreasing efficiency and decreasing trust in the system. Therefore, measurements of application quality need to be carried out. This research aims to measure the level of usability using the USE Questionnaire method in the e-Kinerja application. This research uses quantitative research with stages of observation and interviews, preparation of questionnaires, distribution of questionnaires. The results of this research are the results of calculating the usability measurement of e-Kinerja, which obtained a value of 81.45% which is in the range of 81-100, where the e-Kinerja application at BAKESBANGPOL Central Lombok Regency is very suitable for use by ASN.

This research aims to find out what factors cause more women to sell at the Aurduri market, how women contribute to helping their family's economy, and to find out the obstacles faced by women traders at the Aurduri market. This research uses qualitative methods, with data collection techniques through observation interviews and documentation. The results of the research show that there are three factors that cause women to sell more at the Aurduri market, namely: first, the family economic factor, where the husband's income is insufficient for daily living needs. The second factor is education and age, where female traders who have low education and are quite old and do not have the qualifications to work in other places, because they are old, but they are still fit and productive to work, decide to become traders at the Aurduri market. The three self-actualization factors from the research show that the informants admitted that they enjoyed selling at the market because apart from being able to meet friends, filling in their free time also increased their income. The contribution of female traders to the family is classified as medium to high, which can be seen from the results of their sales which are used for daily needs, to increase family income, and also for savings. There are two obstacles faced by women traders, namely the weather conditions when it falls, secondly, the large number of home-scale vegetable sellers competes with the prices and completeness of goods which are available in almost every neighborhood and housing complex, especially on the road to the Aurduri market.

The Public Housing Savings Program or what is known as Tapera has become a national polemic which is starting to become unsettling among the Indonesian people. The People's Housing Savings Management Agency (BP Tapera), which until now seems to only collect public funds through savings with a savings scheme that is still unclear. By looking at this problem, the author found that the Additional Service Benefits program that previously existed and could run exactly the same as the Tapera program with income tax cuts for each taxpayer, this shows that it would be more effective if there was just one program so that there would be no inequality. According to the Minister of Manpower's Regulation regarding the procedures for granting, requirements and types of additional service benefits, it is stated that the type of additional service benefit can be in the form of a housing mortgage, which to date not all people use.

The Indonesian government is enthusiastic about continuing the biodiesel program as one of the new and renewable energy mandatory programs which has proven to be able to provide many benefits ranging from achieving environmentally friendly energy, saving state foreign exchange, increasing energy security, to providing jobs; in line with the 7th principle of sustainable development goals (SDGs). In fact, the Indonesian government has increased the B30 Biodiesel program in 2020 to B35 in 2023. It is supported by the Palm Oil Plantation Fund Management Agency (BPDPKS), which has the authority to collect CPO export levy funds and redistribute them to biodiesel producers, so that they can produce biodiesel economically. With this mechanism, the Biodiesel program can be implemented even though the price of biodiesel is more expensive than fossil fuels, but does not burden the State Budget (APBN). However, this program is difficult to increase, because the availability of incentive funds is limited by the amount of CPO exported and the amount of the levy. The Ministry of Energy and Mineral Resources (ESDM) must find a way for the biodiesel energy program to achieve the 23% energy mix target in 2045, and not rely on export fund levies anymore.