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The program of efforts to improve the quality of educational facilities and infrastructure services at TKK St. Michael Baobolak, the development of economic literacy in the Maryke Village community aims to improve the quality of educational services at TK St. Michael Baobolak through the provision of facilities and infrastructure that are still inadequate, such as teaching aids, reading books, and play equipment. Thus, it is expected to create a more conducive and enjoyable learning environment for children, and support their optimal growth and development. This study uses a qualitative approach with a descriptive method. Data were collected through direct observation, interviews with related parties such as the principal, teachers, and staff, as well as documentation related to educational facilities and infrastructure at TKK St. Michael Baobolak. The results of the study showed that this program succeeded in improving the quality of educational facilities and infrastructure services at TKK St. Michael Baobolak. On the other hand, the results of this activity have also provided coloring tools and alphabet posters. Coloring tools, such as crayons, colored pencils, and markers, are very important media to stimulate children's creativity. Through coloring activities, children not only train their fine motor skills, but also develop their imagination and ability to express themselves. Meanwhile, alphabet posters serve as effective visual aids to help children recognize letters and build the foundations of reading skills, thus having a positive impact on their well-being.

The main objective of this study is to fill the knowledge gap in Islamic financial literacy experienced by microfinance customers by identifying their experiences in implementing these practices, the challenges they face and the opportunities that exist. Although this research is qualitative descriptive, this research includes field research. Primary and secondary sources of information were used to compile the results of this study. Research Methods This research uses a qualitative method with a descriptive approach, carried out at BPRS Haji Miskin KC Payakumbuh, identifying both internally and externally so that it can analyze what is currently an obstacle to customer understanding in Islamic financial literacy in murabahah financing products and describe the developments that can be done to improve customer Islamic financial literacy in murabahah financing products.The results of the research The understanding of financing customers is based on the findings of this micro-research that increases in following Islamic financial literacy, increasing customer insights, so customers can distinguish Islamic finance from conventional finance. The obstacles and risks faced by microfinance customers of BPRS Haji Miskin KC Payakumbuh in Islamic financial literacy are that most of the microfinance customers cannot participate in the Islamic finance education program because the distance to the customer's home and the location of the Islamic finance education is very far because the program is carried out at the head office.

Real Work Lecture (KKN) is a community service program by students that aims to empower the community with a cross-disciplinary and sectoral approach. The KKN program in Telaga Jernih Village, Secanggang District, Langkat Regency, aims to overcome the problem of monotonous hereditary livelihoods and open up new business opportunities through economic empowerment and entrepreneurship. Before the program was implemented, most villagers relied on the agricultural sector, especially oil palm and rice, which made the village economy vulnerable to price fluctuations and environmental conditions. This program focused on socialization about livelihood diversification, entrepreneurial skills training, and reducing plastic waste by converting it into products with economic value. Through this training, the community was invited to see local potential that could be developed into new business opportunities. The results of the implementation of this KKN showed an increase in community understanding of the importance of business diversification and the application of skills acquired in starting small businesses in the fields of agricultural processing and plastic waste recycling. Several residents have started new businesses supported by the skills taught during the training. However, several challenges such as low digital literacy and limited access to capital are still obstacles to business development. Therefore, a follow-up program is needed that focuses on developing digital skills and access to capital to support the sustainability of the business that has been pioneered. Overall, this KKN program has succeeded in providing a positive impact on the Telaga Jernih Village community and can be a model for local potential-based economic empowerment in other villages.

The Economic Literacy Development Program for Maryke Village aims to improve community welfare through the utilization of local resources, particularly in managing small businesses like broomstick production. The community’s limited understanding of economic literacy has hindered their ability to manage finances and optimize local economic potential. This research employs a qualitative methodology with a participatory approach, collecting data through observations, in-depth interviews, and group discussions with the community and local stakeholders. The results indicate that the program successfully enhanced the community’s understanding of economic literacy, particularly in financial management and business planning. Participants of the program began to manage household budgets, save regularly, and develop local resource-based businesses. Increased productivity and income were observed in the broomstick production business after the training. The program not only improved the community's awareness of the importance of economic literacy but also encouraged them to use local resources more effectively and sustainably, leading to a positive impact on their welfare.

This study aims to analyze the influence of Islamic financial literacy on customer decisions in choosing Islamic vehicle installments in Indonesia. Using a quantitative approach, a survey was conducted on several respondents in five major cities in Indonesia. The results showed that the level of Islamic financial literacy has a significant positive influence on customer preferences for choosing Islamic vehicle installments. Logistic regression analysis revealed that every one-point increase in the Islamic financial literacy score increases the odds of choosing Islamic vehicle installments by 4.9%. Demographic factors such as age, education, and income also have a significant influence. These findings highlight the importance of efforts to improve Islamic financial literacy as a strategy to encourage the adoption of Islamic financing products. Practical implications include the need for targeted education programs, improved product communication, and innovation in the development of competitive Islamic financing products.

The "Reading Corner Provision" program at SD Malengkeri II aims to create a safe and enjoyable learning environment for students. Through this activity, we succeeded in increasing interest in reading and literacy awareness among students by providing a comfortable reading room and access to various types of books. Support from the Pre-Service PPG Muhammadiyah University of Makassar and collaboration with facilitators played an important role in the success of this program. The results of this program not only improve students' reading skills, but also encourage the development of a reading culture in schools and communities. In this way, this program contributes to social empowerment and sustainable education in local communities.

The research and development is titled “Development of Pop-Up Book Media in Enhancing Literacy Culture in the Reading Corner Program at SMP Negeri 1 Berastagi.”This development research aims to determine: (1) The design of pop-up book media; (2) The development of pop-up book media in enhancing student literacy; (3) The feasibility of pop-up book media in improving student literacy. This research is conducted using a Research and Development (R&D) model with the 4D model, which includes Define (definition), Design (design), Development (development), and Dissemination (dissemination). The subjects of this research are students of SMP Negeri 1 Berastagi, totaling 35 individuals. The instruments used in this research include questionnaires to assess the development, feasibility, and effectiveness of the media. Data analysis techniques include product data analysis, initial data analysis, and hypothesis testing.The results show that the pop-up book media received evaluations of 81% from media experts, 92% from material experts, and 65% from language experts. There was an average increase in student scores of 83%, indicating a significant change between pretest and posttest scores. The conclusion of the research is that the pop-up book media for drama content is suitable for use in literacy activities of the reading corner program. Recommendations for future research include being more meticulous in planning the development of pop-up book media, ensuring it aligns with the needs and characteristics of students.

Community Service (KKN) in Perkebunan Maryke Village, Kutambaru District, Langkat Regency, was carried out by students of the Muhammadiyah University of North Sumatra from 12 to 27 August 2024. This program aims to improve the financial literacy of the community and optimize the potential of the broomstick MSME which is the main source of income for village residents. Through MSME mentoring activities, students conduct value chain analysis to improve production efficiency, product innovation, and more effective marketing strategies. This mentoring aims to increase the competitiveness of MSMEs and shorten distribution channels to a wider market. In addition, the financial literacy program in collaboration with Bank Sumut is also provided through workshops to teach the community, especially the younger generation, about the importance of saving, financial planning, and personal budget management. The results of this activity show an increase in community understanding of financial literacy and MSME management, as well as the creation of new innovations in broomstick products. This activity not only has an impact on increasing residents' income, but also strengthens social cohesion and sustainable village economic development. This program is expected to be a model for community empowerment in other rural areas.

In line with the rapid advancement of technology, there has been a significant decline in reading interest across various age groups—both adults and children. One of the main contributing factors is the increasing addiction to digital devices, which has shifted attention away from reading activities and learning responsibilities at home. In response to this issue, we have initiated a movement aimed at revitalizing the spirit of literacy through the establishment and development of the Baitul Ilmi Community Reading Center located in Gesang Village. As an initial step, we have launched a book donation program, open to anyone who wishes to contribute books to support the sustainability of this literacy initiative. Based on our preliminary study, the primary target audience of this program includes children at the kindergarten and elementary school levels. To enhance their engagement and participation, we have adopted the field trip method as our key strategy. This method has proven to effectively increase children's enthusiasm and has received a positive response from the local community, particularly from parents. This initiative is also supported by various community stakeholders, including village authorities, the Family Welfare Empowerment Team (TP PKK), and the Gesang Village Youth Organization (Karang Taruna), all of whom are committed to fostering a culture of literacy from an early age to ensure a brighter future for the next generation.

Low achievement of Indonesian students in literacy and numeracy in PISA 2022 (359 and 366 points, far below OECD average of 476-493 points) demands evaluation of factors affecting learning quality. This study analyzes the relationship between teacher welfare management and improvement of student literacy and numeracy through systematic literature review of 44 studies covering 76,990 teachers from 2019-2025. Analysis shows significant relationship between teacher welfare and student academic achievement through three mechanisms: increased teaching efficacy, positive classroom climate creation, and pedagogical innovation development. International comparison reveals significant gaps between Indonesia and developed countries like Japan (teacher salary Rp38 million vs Indonesia Rp800,000-Rp2,000,000). Implementation in Indonesia faces challenges of regional disparities, employment status inequality, and excessive workload. Comprehensive policy reform is needed including compensation standardization, holistic support programs, and longitudinal studies to understand deeper causal mechanisms.  

The purpose of this service is to improve the compliance of Individual Taxpayers (WPOP) in reporting Annual Tax Returns in the Sidoarjo area through a mentoring program. The method used includes education and direct assistance carried out by tax volunteers from the University of Nahdlatul Ulama Sidoarjo, with a technical guidance approach for filling out tax returns and tax socialization. The results of the service showed a significant increase in the number of WPOPs who reported their tax returns on time and with more accurate data. This assistance also succeeded in reducing tax return filling errors and increasing community understanding of tax obligations. The impact on the community includes increased tax literacy, ease in the reporting process, and increased awareness of the importance of taxes for development. This program is expected to become a sustainable model to support tax compliance in other areas

The current era of digital disruption is a challenge in itself with the development of digitalization issues that have an impact on all aspects of life. Digital disruption brings significant changes in various aspects of life, including in the field of education. SMK Ananda Bekasi, as a vocational education institution, needs to prepare its students to be able to face increasingly complex digital security challenges. This research aims to improve digital security skills in SMK Ananda Bekasi students through a specially designed training program. The methods used in this community service include needs analysis, design of training materials, and evaluation of training results The results of this community service show that digital security skills improvement training has a positive impact in increasing students' awareness and ability to deal with cyber threats. Thus, this training program is expected to be a model for other schools in improving digital literacy and cybersecurity among students.

This research aims to increase the focus on slow learner students, especially at MIM Sraten. The root of the problem found from observations with teachers is that slow learner students show behavior that is difficult to read. The problem found at MIM Sraten was that there were 19 students who were slow in reading. Method This service activity takes place at MIM Sraten from early August to early September 2024. Assistance is provided for 120 minutes at each session, with a focus on students who experience learning difficulties. The success of this program shows that a private approach that is personal and tailored to the needs of each child can be an effective model to be applied in other educational settings. This program also emphasizes the importance of ongoing training for teachers as well as collaboration between schools, parents and the community. It is hoped that this effort can have a positive and sustainable impact on literacy and intellectual development

This research aims to improve reading literacy among children in Bipak Kali Village through collaboration between KKN students and Karang Taruna. This program focuses on increasing reading interest, reading ability, and access to literacy resources. A mixed-method approach was used in this study, which involved surveys, interviews, participatory observations, and group discussions. The work program carried out includes literacy socialization, the formation of study groups, and other supporting activities. The evaluation was carried out to measure the effectiveness and impact of the program.  The results of the study showed a significant increase in reading interest, reading ability, and access to literacy resources among children in Bipak Kali Village. Community participation has also increased, and the program has received support from various parties, including the Youth Organization, the village government, and community leaders. Program evaluations identify several challenges and provide recommendations for the development of more effective and sustainable literacy programs.

The community in Bukit Peninjauan I, Sukaraja District, faces challenges related to low participation in religious activities, limited financial literacy, and inadequate child education programs. This community service program, conducted under the mosque-based framework, aims to enhance the quality of life through a series of religious, educational, and social initiatives. The activities include Islamic New Year and National Children's Day celebrations, regular mosque cleaning, health and financial literacy campaigns, and educational outreach. The participatory approach involved collaboration with local residents, religious leaders, and educators. Data collection methods included observation, interviews, and documentation, analyzed through qualitative techniques. The findings indicate increased community engagement, improved financial literacy, and heightened environmental awareness. The program's success underscores the potential of mosque-based initiatives in driving holistic community development and addressing rural challenges. This study concludes that mosque-centered programs effectively foster community resilience and social cohesion in rural settings.

The pedagogical competence of Catholic religious education teachers in implementing the School Literacy Movement (SLM) is crucial for enhancing students' literacy skills, which contribute to character development. This study aims to describe the implementation of the pedagogical competence of Catholic religious education teachers in the school literacy movement at SD Negeri 004 Datah Bilang Ulu. This qualitative study employed interviews, observations, and documentation to collect data from 10 informants, consisting of Catholic religious education teachers, homeroom teachers, the principal, and students. The collected data were analyzed using interactive analysis, starting from data collection, reduction, presentation, and conclusion drawing. The findings indicate that the implementation of the pedagogical competence of Catholic STRATEGI PEMASARAN YANG DILAKUKAN DI PLAZA TUNJUNGAN III SURABAYA DALAM MEMASARKAN SEMUA PRODUKNYA 2 Lumen - VOLUME 1, NO. 1, JUNI 2022 religious education teachers in SLM includes: (1) literacy guidance outside of school, (2) extending literacy learning to the home, (3) introducing basic literacy, and (4) using creative teaching methods. This shows that Catholic religious education teachers are capable of understanding students' learning characteristics, using diverse and adaptive teaching methods, and communicating effectively to facilitate efficient learning in supporting students' literacy skills. However, based on the evaluation results, the SLM program at this school is still in its initial implementation phase or habituation phase. This indicates that the school is not yet fully prepared to implement SLM comprehensively, primarily due to a lack of resources, the roles of teachers, the principal, and community participation that have not been maximized, as well as the need for increased government support. This means that while the school is committed, it has not yet implemented it according to the established guidelines and has not reached the stage of providing innovations and becoming a driver for advancing SLM.

The pedagogical competence of Catholic religious education teachers in implementing the School Literacy Movement (SLM) is crucial for enhancing students' literacy skills, which contribute to character development. This study aims to describe the implementation of the pedagogical competence of Catholic religious education teachers in the school literacy movement at SD Negeri 004 Datah Bilang Ulu. This qualitative study employed interviews, observations, and documentation to collect data from 10 informants, consisting of Catholic religious education teachers, homeroom teachers, the principal, and students. The collected data were analyzed using interactive analysis, starting from data collection, reduction, presentation, and conclusion drawing. The findings indicate that the implementation of the pedagogical competence of Catholic STRATEGI PEMASARAN YANG DILAKUKAN DI PLAZA TUNJUNGAN III SURABAYA DALAM MEMASARKAN SEMUA PRODUKNYA 2 Lumen - VOLUME 1, NO. 1, JUNI 2022 religious education teachers in SLM includes: (1) literacy guidance outside of school, (2) extending literacy learning to the home, (3) introducing basic literacy, and (4) using creative teaching methods. This shows that Catholic religious education teachers are capable of understanding students' learning characteristics, using diverse and adaptive teaching methods, and communicating effectively to facilitate efficient learning in supporting students' literacy skills. However, based on the evaluation results, the SLM program at this school is still in its initial implementation phase or habituation phase. This indicates that the school is not yet fully prepared to implement SLM comprehensively, primarily due to a lack of resources, the roles of teachers, the principal, and community participation that have not been maximized, as well as the need for increased government support. This means that while the school is committed, it has not yet implemented it according to the established guidelines and has not reached the stage of providing innovations and becoming a driver for advancing SLM.

This community service focuses on the application of wearable technology in the form of Mosque Watches and Portable Al-Qur'an Watches, which are designed to support Muslim worship practices by increasing accessibility to information on prayer times and the text of the Al-Qur'an. This activity involved structured training attended by 25 participants, including mosque administrators and congregation, to ensure understanding and ability to utilize this device optimally. The results of the training showed a high level of participant satisfaction with aspects such as usefulness, quality, suitability for needs and ease of use of watches. Despite challenges such as limited digital literacy, the evaluation showed significant improvements in participants' ability to integrate this technology into their daily lives. The success of this program indicates that the integration of technology in religious practice has great potential to provide real benefits for society, and can be an inspiration for further developments in religious technology in various communities.  

This article explores the development of a curriculum for the Qur'anic literacy program at the high school level (SMA). The curriculum aims to enhance students' ability to understand and interpret the Qur'an, integrating both traditional religious education and contemporary pedagogical approaches. The study examines the needs of high school students in mastering Qur'anic literacy and how the curriculum can be tailored to meet these needs effectively. The research also addresses the challenges and opportunities in implementing such a program, considering the diversity of student backgrounds and the evolving educational landscape. The findings suggest that a well-structured Qur'anic literacy curriculum can significantly contribute to students' religious and moral development, preparing them to engage with the Qur'an in a meaningful way throughout their lives.

This research aims to describe the implementation of literacy culture programs in elementary schools. This research uses a qualitative phenomenological approach. The subjects were school principals, teachers, students selected using purposive sampling techniques. Test the validity of the data using triangulation techniques by comparing the results of observations, interviews and documentation. The research results show that: 1) The policy of implementing a literacy culture in elementary schools using the government's School Literacy Movement program. This is based on Minister of Education and Culture Regulation no. 23 of 2015 which focuses on character development. (2) Implementation of literacy culture in elementary schools. This is based on the habituation stage which involves 10 minutes of reading the Koran and story books before learning. The activity development stage carried out was responding to the contents of reading books by reading independently, giving appreciation to students' literacy achievements, and having a school literacy team. The learning stage involves getting used to reading textbooks and using various strategies that support learning.