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The use of technology is one solution in helping problems in various circles, both in the world of education and in companies. One of them is the application of an accounting information system to enter, process or report a company's accounting. This application can produce data processing quickly and accurately. This will of course save time and also reduce errors that occur when work is done manually. Like cooperatives, cooperatives must use an accounting information system so that work can be done quickly and accurately. PGRI Kosera's activities in Central Java are in the savings and loans sector. The savings and loan recording process at Kosera PGRI Central Java is not very effective, and because the recording process is repetitive, there is still too much risk of inaccurate and quick misinformation to be reported using Ms. Excel still requires previous data processing from bookkeeping, both deposits, loans and installments, resulting in delays in submitting reports to management. Therefore, in a computerized system that can process membership data, journals, savings transactions, loans and installments, reports made by the Kosera Pgri Cooperative will be valid in programming languages, especially in calculating installment interest costs and financial reports. From the results of the program created, data entry errors and interest calculation errors can be reduced, financial reports can be produced more quickly, and effective and efficient achievements can be achieved.

This research analyzes the role of priests in social dialogue related to the implementation of the Public Housing Savings Program (TAPERA) in Riam Batang Parish and its impact on the lives of the people. TAPERA, as an Indonesian government initiative, aims to facilitate livable house ownership for low-income people through savings and financing schemes. In Riam Batang Parish, priests not only function as spiritual leaders, but also as facilitators of social dialogue and agents of change. This research uses a qualitative approach with case studies, collecting data through in-depth interviews with priests and congregation. The research results show that imams play a key role in increasing people's awareness and understanding of TAPERA, as well as helping overcome bureaucratic and economic obstacles. The Imam plays an active role in providing education and outreach regarding this program, helping the congregation access its benefits, and being a mediator between the congregation and government agencies. However, several challenges such as lack of understanding of the people, complicated administrative processes, and economic limitations are still significant obstacles. This research highlights the importance of effective social dialogue built by priests in supporting the implementation of TAPERA, as well as the need for collaboration between the church, government and local communities to overcome these challenges. Thus, the role of the priest in a social and economic context becomes essential in improving the welfare of the people and achieving the goals of a more inclusive and sustainable public housing program.

Abstract. The Islamic financial industry in Indonesia is experiencing rapid development. Generally, Abstract. factors such as knowledge, needs, abilities, concerns and judgments influence customer decisions in using financial products. However, with the variety of influencing factors, many students and individuals with higher education are not yet interested in saving in Islamic banks. As students, they may have a superior understanding because as students, students continue to review the transformation of the times. As part of the academic world, students are accustomed to the continuous learning process, gaining deeper insights into changes and trends in various fields. This study aims to uncover the views of students and family circles who tend to prefer conventional banks over sharia banks. Likewise, this study is also intended to provide public understanding of bank selection knowledge, so that it can stimulate deeper discussions regarding individual considerations in choosing sharia banks. On the other hand, this study was compiled with the aim of clarifying the importance for students to consider their choices of  sharia banks. This study is intended to explore knowledge about sharia banking and the family environment towards sharia banks. The method applied in this study is a qualitative descriptive method. With data analyzed using a questionnaire filled out by 51 student respondents. The main objective of the study is focused on understanding the knowledge of students and family environment towards sharia banks, a descriptive qualitative approach with the intention of describing and analyzing the causes of a phenomenon. Data collection is carried out through observation and observation to describe the phenomena that occur. The research respondents consisted of 50 students from various campuses. The study revealed that there were variations in perception among students. and family environment, including in terms of gender, student knowledge, and the influence of the family environment on sharia banks. Keywords: Student knowledge, family environment, sharia bank    Abstrak. Industri keuangan Islam di Indonesia sedang mengalami perkembangan. yang cepat. Umumnya, faktor-faktor seperti pengetahuan, kebutuhan, kemampuan, perhatian dan penilaian yang memengaruhi keputusan pelanggan dalam menggunakan produk keuangan. Meskipun begitu, dengan beragamnya faktor yang memengaruhi, banyak mahasiswa dan individu yang memiliki pendidikan tinggi belum tertarik untuk menabung di bank syariah. Sebagai mahasiswa mungkin memiliki pemahaman yang lebih unggul karena sebagai pelajar, mahasiswa terus meninjau transformasi zaman. Sebagai bagian dari dunia akademis, mahasiswa terbiasa dengan proses pembelajaran yang berkelanjutan, memperoleh wawasan yang lebih mendalam tentang perubahan dan tren dalam berbagai bidang. Penelitian ini bertujuan untuk mengungkap pandangan mahasiswa dan lingkup keluarga yang cenderung lebih memilih bank konvensional daripada bank syariah. Demikian pula, penelitian ini juga dimaksudkan untuk memberi pengertian masyarakat mengenai pengetahuan pemilihan bank, sehingga dapat merangsang diskusi yang lebih mendalam mengenai pertimbangan individual dalam memilih bank syariah. Disisi lain, penelitian ini disusun dengan tujuan untuk memperjelas pentingnya bagi mahasiswa untuk mempertimbangkan pilihan mereka terhadap bank syariah. Penelitian ini dimaksudkan untuk mengeksplorasi pengetahuan mengenai perbankan syariah dan lingkungan keluarga terhadap pada bank syariah. Metode yang diterapkan dalam penelitian ini adalah metode deskriptif kualitatif. Dengan data dianalisis menggunakan kuisioner yang diisi oleh 51 responden mahasiswa. Tujuan utama penelitian difokuskan untuk memahami pengetahuan mahasiswa dan lingkungan keluarga terhadap bank syariah, pendekatan kualitatif deskriptif dengan maksud menguraikan dan menganalisis penyebab suatu fenomena. Pengumpulan data dilakukan melalui pengamatan dan observasi untuk mendeskripsikan fenomena yang terjadi. Responden penelitian terdiri dari 50 mahasiswa dari berbagai kampus. Penelitian mengungkapkan bahwa terdapat variasi persepsi di kalangan mahasiswa. dan lingkungan keluarga, termasuk dari segi gender, pengetahuan mahasiswa, dan pengaruh lingkungan keluarga terhadap bank syariah. Kata Kunci : Pengetahuan mahasiswa, lingkungan keluarga, bank Syariah

This research aims to examine the effect of non-performing loans on economic profitability in the Balo' Toraja Savings and Loans Cooperative, Makale District, Tana Toraja Regency. The type of research used in this research is quantitative descriptive research. The unit of observation in this research is the financial report and non-performing loans for 2016-2020. The results of this research show that there is an influence of non-performing loans on economic profitability, which means that if non-performing loans increase, economic profitability will decrease, and vice versa, if non-performing loans decrease, economic profitability will increase.

This community service activity aims to train young children to be more independent, especially in realizing their desire to have something in the future. Children are invited to learn to manage personal money, have financial planning, respect money, learn discipline and make them proud. One of the simplest saving methods is to save money through a medium called a “celengan”. This service activity was carried out at Guntur Macan 1 State Elementary School, where the participants in this activity were student in grades 4 and 5. The method of implementing this socialization was divided into several stages, namely coordination, media preparation, material socialization, discussions and games. The socializations material provided is history of saving, why you save, what banks are in Indonesia, and finally setting a savings target. The material is packaged with interactive videos so that children can be enthusiastic in participating in all the activities. This activity went well and was lively because it was accompanied by college students who guided the activity will provide ongoing motivation for children to continue saving an so that the agreed targets can be achieved

Blood donation is a crucial activity in maintaining the availability of blood for transfusion; however, awareness of the importance of blood donation still needs to be increased in various communities, including Desa Kampung Baru, Kelurahan Galang Baru, Kota Batam. This study aims to investigate the effectiveness of education about the benefits of blood donation in increasing community participation in the area. The education was conducted through interactive lectures and question-and-answer sessions at the Desa Kampung Baru Community Hall. The educational material included the benefits of blood donation for both recipients and donors, the blood donation procedure, and the requirements to become a donor. The study results showed an increase in community participation in blood donation activities after the education was conducted. More residents of Desa Kampung Baru now understand the benefits of blood donation in saving lives, reducing the risk of heart disease, and renewing red blood cells in the body. Nonetheless, further monitoring and evaluation efforts are needed to ensure the sustainability of participation in blood donation in the future. This study significantly contributes to increasing public awareness of the importance of blood donation and ensuring the availability of blood supplies to support overall public health.

Catechesis is the Church’s effort to spread God’s saving work to humanity in everyday life, with the aim of guiding and instilling Christian values. The challenge faced in the current technological era is how to attract the attention of the people in the catechesis teaching process considering that traditional methods such as lectures tend to be boring. This research uses a qualitatie descriptive method through literature study to understand the application of audiovisual media in the context of catechesis participantas, facilitate their understanding of the material being taught and increase their anthsiasm fot learning. Even though thereare several obstacles such as a lack of facilities and the catechist’understanding oftemedia,the use of audiovisual media has great potential to increase the effectiveness of catechesis learning.

The month of Ramadan is a special time for Muslims to worship, erase sins, and gain the rewards and pleasure of Allah SWT. Shaum or fasting, the primary worship during this month, involves abstaining from things that invalidate the fast. However, fasting is not intended to be difficult, as stated in the Qur'an, Surah Al-Baqarah: 185, which emphasizes ease rather than hardship in fasting. Besides its spiritual aspects, fasting also has health benefits, such as helping patients with obesity and heart disease. For patients with chronic kidney disease who require hemodialysis, fasting can be particularly challenging. Hemodialysis is a life-saving method that involves cleaning the blood outside the body. In Islam, there are principles of ushul fiqh that provide rukhsah or legal concessions for those who face difficulties in fulfilling religious obligations due to certain conditions. However, if a kidney failure patient insists on fasting despite having been granted rukhsah, this is known as azimah. This study aims to explore the status of azimah for hemodialysis patients who choose to fast from an Islamic perspective. Using a qualitative approach through literature review and in-depth interviews with fiqh experts, this research seeks to understand the legal implications and medical conditions involved. The results are expected to provide clearer insights into the practice of fasting for hemodialysis patients within the context of Islamic jurisprudence.

Poverty is a complex and ongoing social problem that requires an integrated and sustainable approach. The problem of poverty impacts various aspects of people's lives, so it is important to overcome the problem of poverty. The aim of this research is to describe public policy strategies in overcoming poverty. The research approach used is a qualitative approach with the data used in the form of secondary data sourced from documents, Central Statistics Agency (BPS), research journals, articles and relevant sources. The data analysis technique is inductive based on the data obtained, then analyzed in relation to public policy strategies in overcoming poverty. The results of this research show that public policy strategies have been successful and effective in reducing poverty levels through the leadership policies of Joko Widodo and Jusuf Kalla including the Prosperous Family Savings Program (SKS), the Smart Indonesia Program (PIP), the Healthy Indonesia Program, then during Joko's leadership period Widodo and Ma'ruf Amin with the Direct Cash Assistance (BLT) program.

In this research, data was taken from the distribution route which was recorded by the cashier at the Cahaya Kristal Tube Ice Ice Factory which is located on Jl, Damai, Prujakan Tambakan Village, Sinduharjo, Ngaglik, Sleman Yogyakarta. Then the data is processed using the Clarke and Wright Savings Algorithm and Sequential Insertion with the aim of providing the best or most effective route suggestions and then comparing the two methods to produce the Travel Route Distance and Distribution Costs. By using the Clarke and Wright Saving Algorithm, we get 2 vehicle routes which produce a combined route of 72 km with a daily distribution cost of IDR 147,000, and for the sequential insertion algorithm method we also get 2 vehicle routes which produce a combined route of 107 km with a daily distribution cost of IDR 182,000. Thus it can be concluded that routes formed using the Clarke and Wright Savings Algorithm are more effective and economical compared to routes formed using the Sequential Insertion

Mitra Telur is an egg producer located in Pirakbulus, Sidumulyo, Godean District, Sleman Regency, Special Region of Yogyakarta. So far, Mitra Telur UMKM has not determined a travel route to distribute the eggs. The distribution carried out does not take into account the distance traveled to reach the shop points. This research uses two methods at once, namely saving matrix and nearest neighbor. Based on the calculation results, the initial route has a total distance of 114.9km with 4 delivery routes, while the final route has a total distance of 95.5km with 3 delivery routes. The initial route has a fixed cost of IDR 1,550,000 and a variable cost of IDR 402,150 with a total delivery cost of IDR 1,952,150, while the final route has a fixed cost of IDR 1,550,000 and a variable cost of IDR 334,250 with a total delivery cost of IDR 1,884,250. there was a reduction in distribution routes by 16.9% and a reduction in production costs by 3.5%.

Mitra Telur is an egg producer located in Pirakbulus, Sidumulyo, Godean District, Sleman Regency, Special Region of Yogyakarta. So far, Mitra Telur UMKM has not determined a travel route to distribute the eggs. The distribution carried out does not take into account the distance traveled to reach the shop points. This research uses two methods at once, namely saving matrix and nearest neighbor. Based on the calculation results, the initial route has a total distance of 114.9km with 4 delivery routes, while the final route has a total distance of 95.5km with 3 delivery routes. The initial route has a fixed cost of IDR 1,550,000 and a variable cost of IDR 402,150 with a total delivery cost of IDR 1,952,150, while the final route has a fixed cost of IDR 1,550,000 and a variable cost of IDR 334,250 with a total delivery cost of IDR 1,884,250. there was a reduction in distribution routes by 16.9% and a reduction in production costs by 3.5%.

The development of Indonesian sharia financial institutions, especially in the field of sharia banking, has increased every year, where Indonesia is in 5th place in the world. Islamic banks strive to provide convenience for their customers through digital technology-based services, but the market share of Islamic banks is lower than conventional banks. This may be caused by the low level of understanding of sharia finance, sharia financial inclusion. This research aims to analyze whether financial literacy and financial inclusion influence people's interest in saving at Islamic banks. The research results reveal that financial inclusion and financial literacy are recognized as being able to influence people's interest in saving at Islamic banks.

This study emphasizes the functions of the Indonesian Deposit Insurance Corporation (Lembaga Penjamin Simpanan, LPS) in savings and loan cooperatives (KSP), such as managing funds and managing risks. KSPs play an important role in the micro economy, especially in providing financial access to people who are not served by banks and other formal financial institutions.  This research employs a qualitative methodology and uses a literature review approach. A qualitative approach was chosen as it allows for a more in-depth understanding of the complex issues of risk management, fund management, and deposit insurance functions in savings and loan cooperatives in Indonesia. To ensure the viability and health of this sector that aims to make a significant contribution to financial inclusion and inclusive economic growth, the government, financial institutions, and cooperatives must work together. To advance the savings and loan cooperative sector in Indonesia, strategic measures should be taken, such as improving risk management and supporting IDICs. Ultimately, this will support the stability of the national financial system and the economic well-being of people in Indonesia.

The aim of this research is to find out how e-Government based public services are and to find out various factors inhibiting services in the e-Pusluh application in the Extension Sector of Palu City. The location of this research includes the Palu City Food Security Service. The types of data used are primary data and secondary data. The technique for collecting data and information is in-depth interview observation using interview guides and documentation. Determining informants was carried out using purposive sampling. The number of informants in this research was 05 (five) people. The data collected is filtered and selected based on needs which are then analyzed using qualitative descriptive methods.The theory used fromHarvard JFK School of Government, to implement the concept of digital-based public services, there are three elements of success that must be owned and taken seriously, namely Support, Capacity, and Value. Based on the research results, it was found that the implementation of E-Government based public services in the e-pusluh application in the Extension Sector of Palu City. Support or support from government leaders in the form of presidential regulations regarding the implementation of electronic-based government systems, regulations regarding the implementation of E-Government in general in Sulawesi Province Center and socialization of e-pusluh. Capacity or empowerment from the availability of information technology infrastructure resources such as computers, printing and WiFi is sufficient as well as the availability of competent human resources in carrying out e-government based services. The value element is the benefit felt by the Palu City Food Security Service instructors, namely providing convenience for both officers and instructors in reporting agricultural extension activities. The benefits felt by instructors include saving time without having to queue, online services can also save costs and transportation. The inhibiting factor for services in the e-Pusluh application is the lack of socialization from the Palu city government which is felt by the instructors, making many instructors still not understand how to use the e-Pusluh application. This is an obstacle in the process of implementing the e-pusluh application. Apart from that, the obstacles faced are the lack of familiarity of instructors, especially the elderly, with existing technologies and frequent maintenance on the e-pusluh application.  

Online arisan is a phenomenon where people organize and participate in arisan (rotating savings and credit associations) through online platforms. In online arisan, consumerism can have diverse impacts depending on the values and behaviors adopted by the participants. Factors that can influence consumerism in online arisan include the choice of prizes, the use of technology and social media, as well as the convenience and flexibility offered by online arisan. Although there is potential for more dominant consumerism, there are still arisan groups that maintain their traditional values.

In financial and economic management activities, the term banking is often known, both conventional banking and Islamic banking. Islamic banking is a financial institution that plays an important role in managing people's funds. Islamic financial institutions generally have a variety of products offered to the public. In banking activities, there are two main functions of the bank, namely as a savings and loan institution. The purpose of this article is to discuss and analyze related to one of the Islamic bank products, namely loan products that apply the Qardh contract to Islamic financial institutions. The results of the study indicate that the implementation of the Qardh contract in Indonesia is adjusted to the pillars, qardh requirements, and shigat qardh. Qardh contract can be interpreted as a loan that must be returned in the same amount with a certain pre-agreed period. In other words, Qardh is a loan without profit. If it is technically reviewed, then this loan will be given to someone or a sharia financial institution to another person who is used for emergency or urgent needs. The implementation of sharia accounting with Qardh contracts in Indonesia is guided by Law Number 21 of 2008 concerning Sharia Banking in Article 35 paragraph (1) which states that in practice sharia banking is required to implement the 5C principles, namely character, capacity, capital, condition of economy, and collateral.

This research aims to produce compatibility between the policies of Abon Surya with the Economic Order Quantity raw material control method, namely the purchase quantity of the Abon Surya policy has an average purchase of 770 kg, for the frequency of purchasing raw materials for jack beans 5 times, for security and point supplies. There is no reordering policy with a total inventory cost of IDR 251,640. Meanwhile, the EOQ method has an average purchase of 1,313 kg. the purchase frequency is only 3 purchases, the security inventory is 90 Kg and the number of reorders is 204 Kg with a total cost of inventory required of IDR 173,254. The cost difference between Abon Surya and the EOQ method is IDR 78,386,417. This shows that there is a saving or reduction in the total cost of inventory needed if Abon Surya can implement the EOQ raw material control method. Apart from that, the packaging used at UMKM Surya Abon for shredded products still uses transparent plastic with stickers, which is less attractive to buyers. Therefore, a new design is needed to attract more buyers.

This research aims to produce compatibility between the policies of Abon Surya with the Economic Order Quantity raw material control method, namely the purchase quantity of the Abon Surya policy has an average purchase of 770 kg, for the frequency of purchasing raw materials for jack beans 5 times, for security and point supplies. There is no reordering policy with a total inventory cost of IDR 251,640. Meanwhile, the EOQ method has an average purchase of 1,313 kg. the purchase frequency is only 3 purchases, the security inventory is 90 Kg and the number of reorders is 204 Kg with a total cost of inventory required of IDR 173,254. The cost difference between Abon Surya and the EOQ method is IDR 78,386,417. This shows that there is a saving or reduction in the total cost of inventory needed if Abon Surya can implement the EOQ raw material control method. Apart from that, the packaging used at UMKM Surya Abon for shredded products still uses transparent plastic with stickers, which is less attractive to buyers. Therefore, a new design is needed to attract more buyers.

Air pollution and greenhouse gas emissions produced by motorized vehicles are one of the main problems in big cities. This encourages the development of more energy efficient and environmentally friendly vehicles, such as electric vehicles. This journal discusses the development of energy-efficient electric vehicles for urban transportation, with a focus on battery technology, vehicle design, and charging infrastructure. This research aims to develop energy-efficient electric vehicles that can meet city transportation needs. This research focuses on several aspects, namely: Lightweight and aerodynamic vehicle design: This design can reduce energy consumption and increase vehicle efficiency. Efficient propulsion system: An efficient propulsion system can increase mileage and reduce exhaust emissions. Advanced battery technology: Advanced battery technology can increase energy density and battery life. It is hoped that the results of this research will produce energy-efficient electric vehicles that are environmentally friendly and can help reduce air pollution in big cities.