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Individual economic stability is a crucial prerequisite for achieving well-being and financial independence. The Community Service Program (PKM) titled "Initial Steps Towards Economic Stability for Students of SMA Swasta Nurcahaya Kota Medan" aims to enhance students' financial literacy and entrepreneurial skills through socialization and discussion. This activity involved introducing the basic concepts of economic stability, personal financial management, and simple entrepreneurial initiatives. The results showed positive responses, with increased student understanding of financial literacy, awareness of the importance of personal economic stability, and interest in starting small businesses. These findings indicate that the program successfully motivated students to create simple financial plans and be more attentive to economic conditions. This step serves as a significant foundation for preparing students to face future economic challenges.

This study aims to analyze the strategic role of Baitul Maal Wat Tamwil (BMT) in providing leasing based sharia financing (ijarah) and ventura capital (mudharabah and musyarakah) for Micro, Small and Medium Enterprises (MSMEs) in Indonesia. BMT functions as a microfinance institution that provides solutions to the capital challenges faced by MSMEs, including lack of access to conventional financing and low sharia financial literacy. Through the leasing scheme, BMT facilitates the rental of assets needed by MSMEs without requiring large initial capital. Meanwhile, the venture capital scheme allows BMT to share risks and profits with MSME actors, encouraging strategic collaboration. This study also discusses the challenges of implementing sharia financing by BMT, including the low public understanding of sharia products. With a descriptive literature approach, this study finds that BMT has significant potential in increasing financial inclusion and encouraging the sustainability of the sharia economy in Indonesia.

This study aims to analyze the effect of financial literacy and risk perception on impulsive consumptive behavior on students of the Faculty of Economics, Sheikh Abdul Halim Institute impulsive consumptive behavior in students of the Faculty of Economics, Sheikh Abdul Halim Hasan Institute Binjai. Using a quantitative approach with an explanatory survey method, this study involved 56 respondents selected using accidental sampling technique. The regression analysis results show that financial literacy has a significant positive effect on consumptive behavior (B = 1.157; sig. = 0.000), while risk perception has a significant negative effect (B = -0.555; sig. = 0.017). Simultaneously, these two variables contribute significantly to consumptive behavior with a coefficient of determination (R²) of 61.4%. The results of this study reveal that high financial literacy can increase the tendency of consumptive behavior due to increased confidence in financial management, while high risk perception can suppress consumptive behavior through awareness of potential losses. This study emphasizes the importance of a holistic approach in the formation of healthy financial behavior, involving the improvement of financial literacy as well as education related to risk perception. The findings are expected to contribute to the development of more effective financial education strategies for economics students. 

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 study aims to analyze the influence of financial literacy, financial technology (fintech), and financial inclusion on the performance of micro, small, and medium enterprises (MSMEs) in Bandar Lampung City. Financial literacy is an important factor that allows MSMEs to understand financial products and services effectively. Meanwhile, fintech provides easy access to various financial services, which are expected to improve MSME operations. Financial inclusion, which involves accessibility of financial services for all levels of society, plays an important role in supporting the development of MSMEs.This type of research uses quantitative research with an ex-post-facto approach . The population of this study is MSME actors in Bandar Lampung City with a sample size of 106 MSME actors. The location of the study is in Bandar Lampung City. Data collection was carried out by distributing questionnaires. The validity of the instrument using the Person Product Moment correlation resulted in 53 items being declared valid. The reliability test of the instrument used Alpha Croncah ( α > 0.60), the results showed that all variables were declared reliable. The prerequisites for the analysis were tested through normality, multicollinearity and heteroscedasticity tests. Data analysis using multiple linear regression was used to test the effect of independent variables simultaneously on the dependent variable.         The results of the study show that: (1) there is a positive and significant influence of financial literacy on the performance of MSMEs in Bandar Lampung City which is quite large, namely if every 1 unit increase in financial literacy can increase MSME performance by 0.528 units . (2) There is a positive and significant influence of the FinTech variable on the performance of MSMEs in Bandar Lampung City which is quite large, namely if every 1 unit increase in the adoption of financial technology has the potential to increase MSME performance by 0.518 units. (3) There is a positive and significant influence on the financial inclusion variable on the performance of MSMEs in Bandar Lampung City which is smaller, namely an increase of 0.204 units . (4) There is a simultaneous and positive influence of financial literacy, fintech, and financial inclusion on the performance of MSMEs in Bandar Lampung City at a confidence level of 99%.

This research aims to determine and analyze the influence of demographic factors consisting of a person's income level, education level and age on the financial literacy level of MSME actors in Sarolangun district. The method used in this research is a quantitative method, and the data analysis method used is the coefficient of determination test. The sample in this study was ninety-five respondents by distributing a Likert scale questionnaire. The research results show that 51.6% of respondents fall into the high level of financial literacy category, and 48.4% of respondents fall into the moderate financial literacy category. There is a positive and significant influence between income level (X1) on financial literacy (Y). This is proven by the t value of 2,543 t table > 1.986 and the Sig value of 0.013 < 0.05, which means that H1 is accepted and H0 is rejected. Education level (X2) shows that it has a positive and significant influence on financial literacy (Y). This is proven by the calculated t value of 8.932 t table > 1.986 and the Sig value of 0.001 < 0.05, which means that H1 is accepted and H0 is rejected. Age (X3) shows that it has a positive and significant influence on financial literacy (Y). Proven by the calculated t value of 2.216 t table > 1.986 and the Sig value of 0.029 < 0.05 which means that H1 is accepted and H0 is rejected. Income level, education and age simultaneously influence financial literacy. It is known that the significance value of X1, so it can be concluded that H1 is accepted and H0 is rejected. The influence of these three variables is 62% and the remaining 28% is influenced by other variables outside this research.

This study examines the strategic role of Sharia Financial Institutions (LKS) in supporting economic growth and community empowerment in Medan City. Using a qualitative approach, this study highlights the contribution of LKS in empowering micro, small, and medium enterprises (MSMEs), increasing Islamic financial literacy, and financial inclusion. Results show that LKS have an important role in strengthening the community's economy despite facing challenges such as lack of literacy, limited digital services, and minimal government support. Development strategies include improving accessibility, socialization, product innovation, and government policy support. The findings confirm the importance of strengthening the role of LKS to encourage sustainable sharia-based economic growth in Medan City.

This study aims to analyze the contribution of Islamic economic policies to macroeconomic stability in Indonesia through various Islamic financial instruments. The results show that Islamic economic policies, including Islamic banking, zakat, waqf, and sukuk, play a significant role in supporting economic stability and fostering real sector growth. Profit-sharing financing offered by Islamic banking, for instance, provides a fairer and more flexible alternative compared to conventional systems. Furthermore, wealth redistribution instruments such as zakat and productive waqf have proven to help reduce poverty and improve community welfare. However, challenges remain regarding the low financial literacy of Islamic finance and the lack of infrastructure supporting its implementation. This study suggests the need for strategic steps to strengthen Islamic financial literacy, enhance digital technology, and strengthen collaboration between the government, Islamic financial institutions, and society in promoting inclusive and sustainable Islamic economic growth.

The main objective of this study is to present a comprehensive perspective on the interrelationship and impact of financial literacy, financial digitalization, and Small and Medium Enterprises (SMEs) on the growth and adaptability of SMEs in today's dynamic business landscape. This research uses a systematic literature observation method to collect, analyze and synthesize relevant findings from various published literature sources, especially selections in the Scopus database. The primary focus of this study is to examine the correlation between financial literacy and financial digitalization, and how they impact SMEs' financial management capabilities and utilization of available financial technology. The findings show that financial literacy and financial digitalization are important areas of study that have received increasing attention in recent years. This research highlights the challenges in accessing finance and reducing collateral demands, indicating the struggles that SMEs are currently facing.

This research explores an in-depth understanding of how society responds to insurance policy analysis in non-bank financial institutions through a phenomenological approach. The findings show that limited financial literacy is the main challenge in understanding the complexity of insurance products outside of banking. The influence of personal experience, cultural values, and risk perceptions also shape people's perceptions of the value of insurance. Additionally, variations in participation levels and decision-making patterns were also revealed, weakening the understanding of risk levels. These financial literacy challenges cause chaos and confusion, hindering public participation in insurance products at non-bank financial institutions. Efforts to improve financial literacy and increase understanding of insurance claims are crucial to stimulate optimal community participation. The application of insurance remains relevant in helping people overcome financial problems due to unexpected events, building trust, and creating economic stability in the context of non-bank financial institutions.

This study aims to analyse the trends and best practices of compulsory motor vehicle insurance in various countries as a lesson for Indonesia. The method used is literature observation with the traditional literature review method of articles published in international journals and practices that have been carried out by several selected countries, namely England, Germany, Kenya, India, Japan, the United States, Malaysia, Singapore and Australia. The results of the analysis show findings that most countries implement a compulsory motor vehicle insurance system. This insurance aims to provide financial protection to accident victims and encourage legal compliance among vehicle owners. Although this policy has provided significant benefits, such as reducing the financial burden on victims and more efficient dispute resolution, challenges such as high premiums, the complexity of the claims process, and uninsured vehicles still need to be overcome. The application of digital technology, including blockchain, is expected to increase transparency and efficiency in the claims process. Thus, this article highlights the importance of continuous improvement in the compulsory insurance system to ensure fair and effective protection for all parties involved. Based on these international practices, several recommendations for Indonesia include: strengthening mandatory insurance regulations, implementing technology in the insurance management system, increasing public insurance literacy, and developing policies that anticipate the emergence of autonomous vehicles. This study highlights the importance of learning from international experiences in developing an effective and sustainable compulsory motor vehicle insurance system in Indonesia.

The research analyzes to understand the influence of financial intelligence, financial literacy, business innovation and risk management on the financial performance of MSMEs in Surabaya. MSMEs are an important sector in the Indonesian economy, but many MSME actors still experience resistance, especially in terms of financial management. Data was collected through questionnaires from 60 respondents who are MSME actors in Surabaya, using a quantitative approach.  The research results show that the majority of MSME players have limited understanding of financial management, including financial recording and reporting. Even though financial literacy and financial intelligence are recognized as important, the results of statistical analysis show that these two variables do not have a significant influence on the financial performance of MSMEs partially. However, training and education related to financial literacy is still needed because it has great potential to increase the financial resilience of MSMEs in the long term. This research also highlights that business innovation and the application of risk management can help MSMEs face market dynamics and economic challenges. Overall, this research provides an illustration that MSMEs need additional support, both through training and the use of technology, to be able to increase their competitiveness and business desires.

The purpose of this study was to analyze the effect of the use of KIP-Kuliah costs and financial literacy levels on student needs. The study was conducted on 45 KIP-Kuliah recipient students at Universitas PGRI Wiranegara. Data collection was carried out using a questionnaire designed to test the variables of KIP-Kuliah living costs, financial literacy, and student needs. The data were then analyzed using multiple linear regression methods. Based on the results of the study, the level of financial literacy has a positive and significant effect on student needs, with a coefficient of determination of approximately 0.596 (p <0.05). In contrast, the use of KIP-Kuliah living costs does not have a significant effect on student needs (p>0.05). Overall, these variables have an average contribution of 39.9% to the student needs variable. This shows that financial literacy is an important component in maximizing the use of knowledge by students to meet their master's needs. Based on the research findings, steps that can be taken include increasing literacy through education or training programs and evaluating the KIP-Kuliah program to ensure that the funds are used effectively.

The purpose of this research is to determine how income, lifestyle hedonism, and financial literacy impact the financial management of students at the University of August 17, 1945 Surabaya, with self-control as a moderating variable.This research uses a quantitative approach with a descriptive research type. Purposive sample of 30 active university students studied on August 17, 1945. The data analysis techniques used are Multiple Linear Regression and Moderation Regression, which were analyzed using the SPSS program. The research results show that financial literacy and a hedonistic lifestyle have a significant impact on students' financial management, while income does not have a significant impact. Overall, self-control does not strengthen the relationship between financial literacy, income, and a hedonistic lifestyle on their personal financial management.