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This research was conducted with the aim of examining the factors that influence Non-Performing Loan (NPL), such as Return on Assets (ROA), Capital Adequacy Ratio (CAR), Bank efficiency, Diversification Income, Current Account Saving Account (CASA). The population in this research is from the banking subsector listed on the IDX during the period 2018 to 2022, using data from the annual financial statements of conventional banks. The data collection technique in this research uses the Purposive sampling method using secondary data, so that 75 data from 25 companies in the banking subsector in Indonesia are obtained. This research is processed by multiple linear regression analysis using JASP statistical data processing application. The research results can be interpreted that return on assets (ROA) has a negative but insignificant effect on NPL. Capital Adequacy Ratio (CAR), Diversification Income and Current Account Saving Account (CASA) have a negative and significant effect on NPL. Meanwhile, bank efficiency has a positive and significant effect on NPL.

This research aims to determine the role of banking cooperation with cooperatives and the obstacles to the role of banking cooperation with the Karya Baru village unit cooperative (KUD), Teluk Tigo Village, Cermin Nan Gedang District, Sarolangun Regency. This thesis uses qualitative research methods, the data sources used are primary and secondary data sources with data collection techniques and instruments through observation, interviews and documentation. The research results show that this cooperative collects funds from its members in the form of mandatory savings, principal savings and voluntary savings. However, in carrying out cooperative activities, the cooperative management has not yet collaborated between the bank and the cooperative. The role of banking in this case is simply a place to store money for the administrators of the Karya Baru Village Unit Cooperative (KUD) in Teluk Tigo Village. There are no mutual benefits provided by either the cooperative or the banking sector, so members continue to withdraw money/borrow money through the cooperative in cash. One of the factors supporting the achievement of the goals of a program is its implementation. If the implementation of a program is good and on target, then the program can also have an impact on society. However, in this case the obstacle faced by the cooperative management is the lack of understanding of the management so that the cooperative being run is not very optimal so that the community does not have confidence in its management.    

Bookkeeping administration is an important aspect in waste bank activities because it has the benefit of recording and carrying out complete and detailed reporting within a certain time period, so that there are no differences in calculations between customers and the Waste Bank management. The importance of bookkeeping administration in managing the Waste Bank (recording the entry and exit of each type of waste managed by the Waste Bank), can help optimize waste management and increase the effectiveness of waste management. Simple bookkeeping (in the form of Socialization) was introduced in the transaction cycle at the Bank Sampah "Sami Berkah", Kelurahan Meteseh, Kecamatan Tembalang, Semarang (making a Chart of Account, Journal from proof of transactions, posting to the ledger and subsidiary books, up to making Financial Reports). The administrative management of the Bank Sampah Sami Berkah has met the minimum requirements of the Dinas Lingkungan Hidup, starting from books, officers, waste reception schedules, until the waste deposited has been sorted by customers/members. Likewise, the duties and responsibilities of waste bank management officers are in accordance with the job and description of the organizational structure. The proposed use of the information system at the "Sami Berkah" Waste Bank is the use of an Android-based application or web system (mobile web access) in order to accommodate the need for faster and easier information access for customers/Members and Waste Bank managers, as well as being able to overcome the Bank's operational problems. Waste starts from customer registration, savings transaction processes to reporting, efficiently and with integrity. and easy to manage by admins and monitored by users directly.

In general, many people choose to save and borrow money from financial institutions other than sharia banks, such as conventional banks and general cooperatives. In fact, conventional banks are known to adhere to an interest system which according to scholars is prohibited because interest is considered usury. Factors that can influence interest in saving at Islamic banks are knowledge, promotions and location. A person's knowledge about Islamic banks will influence customer interest, each bank tries to promote all the products and services it has, and the location of Islamic banks has easy assets. The aim of this research is to determine the influence of knowledge, promotion and location on the interest of the people of Pandan Jaya subdistrict, Tanjung Jabung Timur district to save in sharia banks. The type of research used in this research is quantitative descriptive research. The sample was selected using Accidental Sampling and the Slovin formula to obtain 98 respondents. The data analysis used is Multiple Linear Regression Analysis. The results of the research concluded that partially the variables knowledge, promotion and location had an influence on interest in saving at Sharia Banks in Pandan Jaya Village, East Tanjung Jabung Regency. Simultaneously, the variables of knowledge, promotion and location influence interest in saving at Sharia Banks in Pandan Jaya Village, East Tanjung Jabung Regency. Based on the coefficient of determination, it indicates that knowledge, promotion and location can influence interest in saving at Sharia Banks by 77.4%. It is hoped that people, especially Muslims, can save in sharia banks considering that sharia banks have used sharia principles in accordance with Islamic recommendations, sharia banks can increase people's interest in saving using Sharia Bank services by considering research variables, namely increasing knowledge, promotion and location, and further research can add other variables which are also thought to influence interest in saving at Sharia Banks.

This service aims to analyze how to build good time management for housewives. The implementation method used in this PkM activity is by conducting face-to-face meetings with participants consisting of housewives. Providing training and discussions as well as conducting live questions and answers. The training uses lecture, discussion and question and answer methods. This aims to increase participants' awareness and understanding of the importance of building educational institutions that have competence and competitive advantage. Meanwhile, in the evaluation or assessment stage, participants will be given feedback about the service program that has been implemented. In this case, it will be a consideration for the service team in order to provide benefits for Sei Krio housewives. Based on the results of the service activities for housewives, suggestions are given, including: 1. Be more enthusiastic, especially for housewives, so that the time they have can be used correctly and effectively. 2. To continue to actively participate in training and competency development activities. 3. Community service activities like this can be carried out regularly either in the same location or in different locations to increase thrifty and saving behavior for children.

Property in Islam is a significant concept that encompasses various aspects such as ownership, distribution, and utilization. Islam emphasizes the importance of legal and transparent ownership, where wealth must be acquired through honest and ethical means. Unethical practices like theft and usury are strictly prohibited. Fair distribution of wealth is also emphasized, as seen in the obligation of zakat, a mandatory payment given to those in need. Islam promotes the idea that wealth should not be selfishly retained by a few, but should be fairly distributed to benefit society as a whole. Additionally, Islam highlights responsible utilization of property. While recognizing individual property rights, Islam also emphasizes the responsible and conscientious use of wealth. Overall, the concept of property in Islam is grounded in principles of integrity, fairness, and responsible stewardship.

This research focuses on the implementation of the Al Wadiah concept in the State Savings Bank (BTN) in Indonesia. The concept is based on Islamic law and deals with trust and custody. The bank has integrated Al Wadiah into its savings services and manages customer funds in accordance with Sharia regulations. This study uses secondary data to analyze the implementation. The study found that BTN offers a range of savings products that emphasize the security of deposited funds. The study also identified challenges and opportunities faced by the bank in implementing the concept. These challenges include regulatory changes, educating the public and a comprehensive understanding of Sharia principles. Despite these challenges, there are opportunities for BTN to expand its range of Sharia-based services and increase public confidence in the financial system.

This research discusses community empowerment through the Bersami Waste Bank (BSB) program. The aim of this research is to find out the process of community empowerment through the Bersami Waste Bank program in Pisangan Village, the supporting and inhibiting factors in carrying out empowerment and the Bersami Waste Bank's efforts to improve family welfare for its customers. This research is qualitative research in collecting data using observation, interviews and documentation methods. The data analysis techniques used are data reduction, data presentation and drawing conclusions. Triangulation is used to explain the validity of the data obtained. Based on the results of this research, it can be concluded that the community empowerment carried out by the Bersami Waste Bank is in accordance with the stages of community community empowerment. The research results revealed that community empowerment through the Bersami Waste Bank was carried out through four stages, namely the awareness stage, understanding stage, utilization stage and use stage. Bersami Waste Bank can empower its community so that customers gain benefits from waste management in the form of money from savings and skills after training in waste recycling to sell from recycled waste. This is an effort by the Bersami Waste Bank to improve family welfare for its customers.

This study explores the importance of financial literacy in influencing household financial decisions in emerging economies. Using survey data from multiple regions, the research examines how knowledge of financial concepts affects budgeting, saving, and investment choices. The results indicate that higher financial literacy levels are strongly linked to more effective financial management and improved economic well-being among households.

The rapid urbanization and industrialization of cities have significantly contributed to the rising pollution levels, especially in urban rivers, where water quality is often compromised. Monitoring water quality in real-time is essential for mitigating the adverse effects of water contamination. This research aims to design and implement an Internet of Things (IoT)-based system for real-time monitoring of water quality in urban rivers, focusing on the continuous collection and analysis of environmental data. The system utilizes a range of sensors to measure critical water quality parameters, including pH, temperature, dissolved oxygen (DO), turbidity, and various contaminants, all of which transmit data wirelessly to a central server for further processing. The study evaluates the accuracy, reliability, and efficiency of the IoT system in detecting water pollution and its ability to deliver real-time insights. Findings demonstrate that the IoT system offers a higher level of precision and faster detection compared to conventional monitoring methods, making it an effective tool for real-time pollution detection and decision-making. Additionally, the integration of the IoT system with a user-friendly visualization platform enhances the accessibility of the data for stakeholders, enabling them to monitor the water quality effectively. The study suggests that IoT-based water quality monitoring systems present a sustainable long-term solution for urban water management, offering cost and time savings. Moreover, the research highlights the importance of cross-sector collaboration to support the development and deployment of IoT technologies and recommends further advancements in sensor technologies to monitor additional water quality parameters.  

The Sube Huter Nita Savings and Loans Cooperative (KSP) has a strategic role in encouraging the economic growth of Micro, Small and Medium Enterprises (MSMEs). This study aims to explore and analyze the contributions and strategies implemented by KSP Sube Huter Nita in supporting the growth of MSMEs. The research method used is a qualitative approach through in-depth interviews, observation and documentation analysis. The research results show that KSP Sube Huter Nita has played an important role in providing financial access to MSMEs, including providing loans at competitive interest rates. Apart from that, cooperatives also provide training and assistance to MSME players to increase their capacity and competitiveness. In this way, KSP Sube Huter Nita effectively contributes to increasing the economic growth of MSMEs in its region.  

This study's goal is to understand consumer attitudes toward the services provided by customer service. This study is being conducted at Bank bjb Kantor Cabang Pembantu Jember. The method used in this study is a deskriptif kualitatif approach, while the data used in this study are obtained through a kajian kepustakaan approach by utilizing books, articles, or other written materials related to the study. The initial data for this study was obtained from observations and interviews with national banks that have one tabungan product, Bank bjb KCP Jember. The analysis's findings highlight the importance of customer service in improving the company's offerings in order to gain positive feedback and an increasingly successful business. Thus, Bank BJB KCP Jember can continuously strengthen its position in the banking industry.

Inventory of goods at MI is an important process to ensure smooth operations and learning. With a good inventory system, MI can manage its goods effectively and efficiently, so that it can support the achievement of its educational goals. Administration of goods equipment or goods inventory in MI includes activities such as recording, coding and reporting goods inventory. This includes inventory items (such as tables, benches, whiteboards) and non-inventory items (such as markers, erasers, pencils). The inventory process aims to create goods administration, financial savings, and effective supervision of these goods. Inventory activities of educational facilities and infrastructure in schools include planning, procurement, distribution, use, maintenance and disposal of goods. Inventory recording of goods is carried out in various books, such as the goods inventory master book, goods inventory class book, non-inventory goods record book, quarterly report list, inventory item mutation, and annual recapitulation list. A computerized goods inventory system can help organizations increase efficiency and effectiveness of goods management. This system can help organizations save time and costs, increase productivity, and make better decisions regarding goods management.

This research was conducted to determine the influence of religiosity and public perception on interest in saving at sharia banks with a sample of respondents from the Rukun Warga 06 West Cilandak community. This study uses a quantitative approach. The results of the analysis show that the level of religiosity and public perception have a positive and significant influence on interest in saving. So these two variables are believed to increase interest in saving at sharia banks, therefore to increase the number of customers of a sharia bank it is necessary to increase outreach programs to the public so that their understanding and knowledge increases regarding the products and characteristics of sharia banks which are different from conventional banks.

E-waste has become a critical global issue due to the rapid growth of electronic product consumption and the environmental risks associated with improper disposal. Traditional disposal methods, such as landfilling and incineration, are no longer sustainable as they lead to environmental degradation, health hazards, and loss of valuable resources. In contrast, remanufacturing, a key component of the circular economy, offers a more sustainable solution. This study explores the effectiveness of remanufacturing as a strategy for e-waste management, focusing on its ability to reduce waste generation and improve material efficiency in the electronics industry. The research utilizes a case study approach, examining industrial-scale remanufacturing processes, including material input-output analysis to track resource flows and waste streams. The findings reveal a significant reduction in e-waste generation, with up to a 50% decrease in waste volume, and substantial improvements in material recovery, particularly in metals like gold and copper. Additionally, the study highlights the economic and environmental benefits of remanufacturing, such as cost savings and resource conservation. However, the study also identifies barriers to the widespread adoption of remanufacturing, including technological, financial, and regulatory challenges. The results underscore the potential of a circular-economy-based remanufacturing model as a sustainable solution for the electronics industry. The study calls for further research into improving remanufacturing technologies, enhancing policy frameworks, and expanding circular economy practices across various industries.

The aim of the community service activity is "Socialization and Education of Sharia Banking Products for UMKM". This socialization aims to educate about sharia banking products so that they can know and understand sharia banking products so that it is hoped that a lot of knowledge and information will be absorbed by respondents, in this case are UMKM actors in Tanah Grogot. During educational outreach related to Sharia Banking, the team distributed questionnaires to respondents or participants in the socialization for UMKM actors to analyze based on the answers of respondents who attended the socialization. From the results of the socialization, the understanding of UMKM actors towards Islamic banks is sufficient. This can be proven by 15 respondents or (83.33%) who answered Yes, Fairly Understand. This shows that of the 18 UMKM actors who attended the socialization, they had sufficient understanding regarding Islamic banks and The Products. This means that the education that has been provided by the community service team has been quite successful in increasing the insight and knowledge of UMKM players and it is hoped that it can increase public awareness, especially UMKM players in Tanah Grogot, to carry out minimum savings transactions at sharia banks. Apart from that, one of the biggest obstacles in Sharia Bank transactions is the lack of available ATM networks, which makes UMKM players still hesitant to become interested in becoming Sharia Bank customers. This was proven by the UMKM players who attended the socialization, 9 respondents or 50% still Hesitance to become a sharia bank customer is due to the fact that the ATM network is not large, which is one of the factors why there are still many who are not interested in becoming sharia bank customers. From the results of the community service activity "Socialization and education of sharia banking products for UMKM in Tanah Grogot" it can be concluded that the presenters were able to educate the UMKMs who attended the socialization very well. This was proven by 11 respondents or 61.11% who responded that the material presented by the lecturers related to sharia banking product education was very good so that UMKM players could gain understanding and knowledge about sharia banking contracts and products which they hoped would be equipped with this knowledge. applied in sharia-based economic life.

Microenterprises are crucial to the economic landscape, especially in developing countries, as they contribute significantly to GDP and employment. However, these businesses often face challenges in adopting sustainable practices due to financial constraints, limited resources, and market access issues. This research evaluates the impact of energy efficiency on the profitability of Sharia-compliant microenterprises applying green business principles. By integrating energy-saving measures, such as energy-efficient technologies and optimized consumption, microenterprises can reduce operational costs and improve profitability. Sharia-compliant businesses, which adhere to ethical and sustainable practices, tend to be more open to implementing such green practices. The findings show that energy-efficient microenterprises outperform conventional ones in profitability, as energy-saving leads to lower costs and enhanced competitiveness. The study also highlights the importance of green finance in supporting these enterprises by overcoming financial barriers, allowing them to adopt energy-efficient technologies. Despite the clear benefits, challenges such as high initial investment costs and limited access to efficient technologies remain. Policy intervention, including financial incentives and education, is necessary to address these barriers and enable microenterprises to fully capitalize on energy efficiency. In conclusion, energy efficiency is not only a key driver of profitability for Sharia-compliant microenterprises but also a strategy for long-term sustainability and competitiveness.

The integration of Green Internet of Things (Green IoT) systems in agriculture presents a promising solution for addressing critical challenges in water and energy usage. This study investigates the impact of real-time monitoring and data-driven irrigation control on resource optimization in precision agriculture. By incorporating soil moisture sensors, solar-powered IoT devices, and data analytics, the system aims to reduce water and energy consumption, enhancing sustainability in farming practices. The research finds that the Green IoT system can reduce water usage by up to 40% compared to traditional methods, while energy consumption is decreased by approximately 25% through the use of solar energy. The study also explores the advantages of implementing IoT-enabled systems, which ensure precise water delivery, preventing over-watering and under-watering, thereby improving crop yields and reducing waste. Despite these positive outcomes, the research identifies key challenges such as high initial costs, limited infrastructure in rural areas, and concerns related to data security. These barriers hinder the widespread adoption of Green IoT systems, especially in developing agricultural regions. Nonetheless, the findings highlight the potential of Green IoT to foster sustainable agricultural practices by promoting efficient resource use and reducing environmental impact. The study suggests that further research should explore the long-term economic implications of Green IoT adoption and investigate ways to overcome technical and financial challenges. Additionally, expanding the scope of Green IoT to other agricultural sectors, such as livestock farming, could enhance its applicability and overall impact on agricultural sustainability.

History opens a window to the past to welcome the future, learning history will help to know and understand how the history of the past and also the people associated with these events. Studying history not only aims to know important events or events in the past but also teaches various forms of experience that occur both success and failure. Every human being needs education and knowledge because it is for human development itself. Through education, humans not only get teaching about special skills but also something deeper, namely science. In the world of education through learning, students gain knowledge and learn what is obtained through learning. Each student will pass the evaluation stage. The evaluation is given after students have gone through several learning and understanding processes and then given questions, both essays and multiple choice questions, in order to help the learning process in the classroom. To maximize the use of multiple choice as a learning tool, students can choose it with consideration in the answer choices that have been determined. Teachers give assignments to students to work on multiple choice questions in two ways, the first is to solve multiple choice questions, when given an assignment during class hours to submit it to the teacher when the subject is finished. Alternatively, the teacher can give the students an assignment or homework and collect it during the next meeting. Research shows that teachers prefer the use of multiple choice questions, not only because of administration, time saving and simplicity but also because they are objective and consistent. Furthermore, students based on the results of the study prefer giving multiple choice questions because they can eliminate answer errors and the questions on multiple choice questions are more objective than others. In addition, with the multiple choice question method students can actively participate in the learning process.

Sustainability Development is one of the target to be achieved in order to maintain the sustainability of future generations without reducing the needs of present. One form of sustainable development that is implemented is green building certification to assess the level of efficiency savings that have been made. This study aiming to analyze the application of green building concept in office buildings. Application analysis was carried on on energy, water, and material efficiency aspects using EDGE program issued by IFC (International Finance Coporation) which is ne of the poviders green building certification. The scope used in this study is that this assessment is carried out with the aim of certifiying exsisting building and post construction. Based on the analysis results, it is known that the value of green building implemtation in office building is 16,63% energy savingi, 34,79% water savings  dan 92% material savings