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Financial literacy is a crucial competency for today’s young generation, especially Gen Z, who are currently in the midst of the development of financial technology. However, the level of financial literacy among vocational and high school students is still relatively low, including students at SMK Negeri 1 Musuk. This community service activity, which includes outreach activities, aims to provide and improve students’ understanding and also change students’ attitudes towards financial literacy so they can manage their finances well, wisely, and responsibly. The method used in this outreach activity is a qualitative method with a type of outreach activity consisting of several stages or sessions: the first is the observation session, the second is the activity planning, and the third is the implementation of the outreach activity. This activity was carried out on December 5, 2025, with 30 participants from class XI AKL 1 participating in this activity. The material presented consisted of the definition of financial literacy, factors, impacts, financial management strategies, as well as case studies or real examples of financial literacy. The results of this activity indicate that there is an increase in students’ understanding in learning financial literacy material, marked by students’ enthusiasm to listen and focus on the material presented. Not to mention, there were quite positive results from this activity: the students became more active in learning, as evidenced by the way they answered the questions I posed. This activity had a very positive impact on the younger generation, fostering awareness of the importance of financial literacy for their future.

The Community Service Program (PkM) focused on mentoring storytelling competitions was implemented as an effort to improve students' competence in the art of storytelling, while also supporting their preparation for the FLS3N event. The activity was designed through a series of training sessions that included understanding the concept of storytelling, examples of storytelling practices, hands-on practice, and periodic evaluations. During the mentoring process, students showed progress in terms of story mastery, intonation, expression, and confidence. The approach used encouraged active participation so that participants were able to improve their storytelling techniques based on the feedback provided. The results of this activity show that structured and continuous training can improve students' readiness to present stories in a more communicative and interesting manner in upcoming competitions.

This paper examines the dynamic relationship between the change in economic growth and the indicators of sustainable human development in Iraq between 2004 and 2023. The paper provides an example of what can happen when there is overdependence on oil and a lack of investment in the key areas of the economy, such as education and healthcare, which lead to negative outcomes in the human development indicators in Iraq. The paper uses highly sophisticated analytical and econometric tools to examine the relationship between GDP growth, per capita income, government spending, oil exports, and inflation and their effects on human development in Iraq. The findings show that there is a positive but weak relationship between economic growth and indicators of human development in Iraq. This underscores the need that appropriate policy recommendations be made aimed at diversifying the Iraqi economy and also investing more in human capital to facilitate sustainable economic growth and improvement in the quality of life of the Iraqi people.

Community service activities in traditional fish ponds on Tibi Island, Tarakan, aim to increase the productivity of fish and shrimp farming using a simple yet effective approach. The methods applied include manual pond maintenance, such as spreading molasses solution (EM-4) to improve water quality, removing pests such as snails and oysters, and routine net maintenance and water drainage. Feed management is carried out every three days to maintain the nutritional balance of fish and shrimp. Although without the use of sophisticated technology, the success of cultivation depends heavily on the experience and thoroughness of the farmers in managing the pond environment. Overall, this activity demonstrates that a simple and structured approach can support sustainable cultivation, increase productivity, and strengthen collaboration between the implementation team and the pond owners. It is hoped that this method can serve as a useful example for other traditional fish farmers in increasing aquaculture yields and supporting more efficient and environmentally friendly farming practices.

This study analyzes the synergy between human resource development (HRD), work culture, and decision-making systems in enhancing productivity and organizational performance. The approach used is a descriptive qualitative literature review, with sources from peer-reviewed articles from 2021-2025 obtained through databases such as Google Scholar and ScienceDirect. The research findings indicate that HRD can improve employee competence by up to 28.7%, while work culture contributes 41.4-55% to motivation and collaboration within teams. Decision-making systems, such as AHP (Analytical Hierarchy Process) and BI (Business Intelligence), play a role in optimizing operational efficiency by up to 65%. The synergy of these three elements forms a more adaptive organization to change. One example of the implementation of this synergy can be seen in PT X Jakarta, which experienced a 28% increase in output and employee satisfaction reached 85%. However, the main challenge faced is resistance to change, which can be overcome through effective communication. The practical implications of this study include recommendations for holistic organizational transformation, especially in Indonesia, to face the challenges of global disruption.

The integration of Artificial Intelligence (AI) into Human Resource Management (HRM) is accelerating and reshaping how organizations attract, develop, manage, and retain talent. Despite abundant case examples and growing practitioner interest, academic findings remain fragmented regarding the antecedents (drivers), impediments (barriers), and organizational effects (outcomes) of AI-based HR transformation. This paper presents a PRISMA-guided systematic literature review of 112 peer-reviewed articles (2015–2025) to synthesize empirical and conceptual evidence on AI in HRM. Results identify three primary drivers: technological capability, strategic alignment, and a data-driven culture; three critical barriers: ethical concerns (bias, privacy, and transparency), skill and capability gaps, and resistance to change; and three outcome clusters: operational efficiency, enhanced employee experience, and elevated strategic HR contribution. We propose a socio-technical conceptual framework that models drivers moderated by barriers to outcomes, and we advance a research agenda focused on ethical governance, human–AI collaboration, capability measurement, and longitudinal evaluation. The review contributes to theory by integrating socio-technical and dynamic capability  perspectives and provides actionable guidance for HR leaders on responsible AI adoption.

This study aims to comprehensively examine the implementation and mechanisms for results in Al-Mudharabah financing at Bank Muamalat Rangkasbitung, while also assessing the level of compliance of its implementation with sharia principles. This study applies a qualitative descriptive method with a field study approach involving direct observation, interviews, and review of documents related to Mudharabah financing procedures. The research findings show that Bank Muamalat Rangkasbitung implements a profit-sharing system based on the principles of justice (al-'adl) and trustworthiness (al-amanah). The profit-sharing scheme is carried out proportionally according to the ratio agreed upon in the initial contract, so that both parties have clarity regarding rights and responsibilities. The implementation of this system not only ensures the avoidance of usury but also strengthens the partnership between the bank and customers through practices of transparency, information disclosure, and a shared commitment to business management. Overall, these findings show that the implementation of Al-Mudharabah financing at Bank Muamalat Rangkasbitung has been running in line with several sharia values ​​and even supports the realization of fair, ethical, and sustainability-oriented Islamic economic practices. Thus, Mudharabah financing at the branch can be an example of the effective implementation of sharia contracts and is able to encourage the development of the sharia financial sector at the local level.

This report aims to describe the application of transformational leadership and its influence on the organizational communication climate at the St. Francis Xaverius Maumere Forestry and Arts Vocational School. Using a descriptive narrative method through interviews and observations, this report illustrates how principals are implementing transformational leadership in school management. The results of the study show that school principals are able to provide inspiration through example, motivation, and continuous support to teachers and education staff. This leadership practice is reflected in the giving of trust, the involvement of teachers in decision-making, and the encouragement to innovate in the learning process. The organizational communication climate in schools is considered open, transparent, and supportive, so that teachers and staff feel comfortable conveying ideas, criticisms, and suggestions without fear. Effective communication between leaders, teachers, and staff helps strengthen teamwork and increase a sense of ownership of the school's vision and mission. Thus, transformational leadership plays an important role in creating a positive organizational communication climate and supporting the improvement of performance and quality of education in schools.

This study examines how effective leadership impacts increased employee productivity within the technical bureaucracy within the West Java Provincial Highways and Spatial Planning Agency. Effective leadership is understood as a leader's ability to provide direction, motivation, and empowerment to employees in order to optimally achieve organizational goals. The research method uses a quantitative approach through a survey of 50 ASN respondents working at the UPTD for Road Management Region III. The regression results show R = 0.58 and R² = 0.336, while the PLS analysis displays a path coefficient of β = 0.58 and a t-test of 5.91 (p < 0.05). These findings confirm that exemplary leadership, transparent communication, and employee empowerment can increase work productivity in the technical bureaucracy. This study also found that leadership that directly exemplifies behavior and decision-making can influence employee productivity levels in the public sector. Inspirational and participatory leadership, which involves employees in important decisions, shows a significant influence on increasing work morale and innovation. For example, employees who feel encouraged by their leaders to contribute more tend to show initiative in their tasks and take more responsibility for the work assigned.

This research goals to investigate and prove the impact of Price, Product Quality, and Location on Purchasing Interest in choosing Complete Supermarket as a place to shop for baby and household supplies. Purchasing interest is a crucial element that determines the accomplishment of a retail business, and is impactd by various marketing elements. This study employs a descriptive quantitative approach with a study framework. The population in the research is consumers of Complete Self-Utility. Sampling was carried out using certain techniques (for example, Purposive Sampling or Simple Random Sampling) with a total of 100 respondents. Data were collected through questionnaire deployment and looked over using multiple linear regression analysis. The outcome of the research are expected to reveal that: (1) Price has a positive and substantial effect on Purchasing Interest; (2) Product Quality has a positive and substantial effect on Purchasing Interest; (3) The location has a positive and substantial effect on the Purchasing Interest; and (4) Price, Product Quality, and Location simultaneously have a substantial effect on purchasing Interest.

The purpose of this community service activity is to improve the digital literacy of children at SDN Mranggon Lawang II by teaching them how to find accurate information and know the dangers of hoaxes. In order for children to use technology wisely, they must be taught important digital literacy from an early age. This activity was carried out through interactive lectures and Q&A discussions for seven days in August 2024. In addition to examples of simple false information, the material includes differences of opinion and facts, there were 13 children who participated showing a high level of enthusiasm during the activity. However, there are obstacles regarding language that hinder understanding that can be overcome through communication techniques and visual media. The results of the activity show that children better understand the importance of critical thinking when getting information. This activity is expected to increase knowledge about digital literacy and encourage smart media behavior.

This study examines the phenomenon of code-mixing among Generation Z in Banjarmasin, particularly in The comments section of TikTok content, which has become a primary digital expression space for young People. The aim of this study was to identify the forms, patterns, and social and cultural factors underlying This linguistic practice. Using descriptive qualitative methods with listening and note-taking techniques, Information was collected from comments on two TikTok posts on the accounts @BudRab and @Fazarbungaz. The findings indicate that the code-mixing that occurred was dominated by the insertion Of Banjarese elements into Indonesian (Banjar-Indonesian code-mixing), as well as a mixture of Banjarese, Indonesian, and English (Outer Code-mixing and Mixed Code-mixing). The forms of code-mixing found Included the insertion of Banjarese words, phrases, and lexical items such as kd (kada), makai, and mun. An analysis of the functions of code-mixing shows that this practice has a dual role: referential (for specific Local contexts), directive (to guide conversations), emotive/expressive (to indicate emotional closeness, for Example, longitude), and most importantly, as a marker of digital identity and cultural solidarity among Banjar speakers in the digital realm. This phenomenon confirms that social media serves as a new, flexible and essential space for the Banjar language to survive and negotiate with global and national languages. This study contributes to sociolinguistics by mapping the dynamics of language evolution among Gen Z in A digital context, highlighting the creative and social aspects of code-mixing.

Children under two years old (Baduta) are vulnerable to nutritional problems due to their rapid growth and development phase. Supplementary feeding (PMT) using locally sourced foods is an effort that can support adequate nutritional intake during this period. This community service activity aimed to increase mothers' knowledge regarding the importance of PMT and the introduction of nutritious local food ingredients that are easily accessible. The activity was conducted in Lawata Village, Kolaka Utara Regency, involving 30 mothers with Baduta. The method used was educational counseling and interactive discussion covering the definition, benefits, timing of supplementary feeding, and examples of local nutritious foods such as fish, eggs, tempeh, legumes, vegetables, and tubers. The results showed an improvement in participants' understanding of appropriate supplementary feeding practices. Mothers also expressed willingness to apply the knowledge gained in daily feeding practices at home. This program is expected to increase family awareness of balanced nutrition and encourage the use of local food sources to support optimal child growth and nutritional status improvement.

In the increasingly developing digital era, the role of influencers on social media has become increasingly significant in influencing consumer behavior and their purchasing intentions. This study aims to quantitatively analyze the relationship between the presence of influencers on social media and consumer purchasing intentions. This research aims to determine how influencers and social media (TikTok) influence the purchasing intentions of Wardah products among female students of STBM Dua Sudara Bitung. This research uses a descriptive quantitative research design. The sample in this study was 77 respondents with a purposive sampling method. In addition, multiple linear regression analysis shows that factors such as age and gender can moderate the relationship between the presence of influencers on social media and purchasing intentions. For example, the millennial generation may be more likely to be influenced by influencers in their purchasing decisions compared to older generations. The data of this study were analyzed using the SPSS program. After the data was tested using a correlation test, the findings in this study obtained a value of 0.717. Then the value in the determination test was 0.000>0.05, which means there is a significant relationship. Furthermore, the results of the simple linear regression test showed that the calculated t-value was greater than the table t-value, indicating significant significance. This means that influencers and social media (TikTok) have a strong influence on Wardah product purchase intention among female students at STBM Dua Sudara Bitung.

This study aims to determine the influence of knowledge, awareness, and utilization of information technology on individual taxpayer compliance in KP2KP Sragen. The hypothesis of this study is that knowledge, awareness, and utilization of information technology have a positive effect on individual taxpayer compliance. This study uses a survey method conducted on individual taxpayers in Sragen Regency. This type of research uses quantitative data used in this study from the results of questionnaire data which are then processed using the SPSS application. The data source is primary data. The sampling technique in this study uses the convenience sampling method with 100 taxpayers as respondents. The data analysis technique uses multiple linear regression analysis. The results of this study indicate that the results of the X1 t-test are negative and not proven true. The X2 t-test has a significant positive effect and is proven true. X3 has a significant negative effect and is not proven true. The F test shows a significant influence simultaneously. The results of the coefficient of determination mean that the contribution of the influence of the independent variable is 25.7% while the remaining 74.3% is explained by other variables besides the independent variables studied by the author, for example Tax Sanctions, Taxpayer Income, Tax Socialization, and Patriotism

This study aims to analyze how Pancasila values are applied in MSME business practices and their impact on customer preferences with a case study of Rumah Makan Ibu Via in Sindangsari, Serang Regency. The approach used is descriptive qualitative through interviews, observation, and distribution of questionnaires to customers. The results show that the business owner consistently applies the principles of Pancasila, including honesty (first principle), respect for customers (second principle), cooperation with nearby merchants (third principle), openness to customer feedback (fourth principle), and fair and affordable pricing (fifth principl). The application of these values has a positive impact on customer satisfaction and loyalty, as seen in key preference factors such as affordable prices, a diverse menu, friendly service, and a comfortable location. Thus, the application of Pancasila values in MSME business practices not only serves as a moral and social guideline, but also contributes significantly to increasing customer loyalty and preference. The results of this study are expected to serve as an example of the application of national values in business practices for other SMEs in Indonesia.

The Community Service Program (KKN) from the University of Muhammadiyah North Sumatra in 2025 took place in Dolok Kahean Village, Tapian Dolok District, Simalungun Regency, with the theme "Entrepreneurship as a Solution for Community Economic Empowerment. " The main objective of this activity was to improve the competence of Micro, Small, and Medium Enterprises (MSMEs) by implementing digital marketing strategies and strengthening local product brands, especially rengginang businesses. The methods applied included observation, interviews, socialization, and participatory training. The core program included logo and product identity creation, photography training and promotional content editing, social media account creation, and education on Go Digital Safe for the community. The results of this activity showed an increase in the skills of MSMEs in using digital media for promotion, expanding market share, and increasing product competitiveness. In addition, students gained practical insights in the application of entrepreneurship, communication, and social project management. The main challenges faced, namely the lack of internet access and low digital literacy in the community, can be overcome through a direct approach and intensive mentoring. Overall, the KKN program has been successful in strengthening collaboration between higher education institutions and the community and has become an example of digital-based economic empowerment at the village level.

The Community Service Program (KKN) from the University of Muhammadiyah North Sumatra in 2025 took place in Dolok Kahean Village, Tapian Dolok District, Simalungun Regency, with the theme "Entrepreneurship as a Solution for Community Economic Empowerment. " The main objective of this activity was to improve the competence of Micro, Small, and Medium Enterprises (MSMEs) by implementing digital marketing strategies and strengthening local product brands, especially rengginang businesses. The methods applied included observation, interviews, socialization, and participatory training. The core program included logo and product identity creation, photography training and promotional content editing, social media account creation, and education on Go Digital Safe for the community. The results of this activity showed an increase in the skills of MSMEs in using digital media for promotion, expanding market share, and increasing product competitiveness. In addition, students gained practical insights in the application of entrepreneurship, communication, and social project management. The main challenges faced, namely the lack of internet access and low digital literacy in the community, can be overcome through a direct approach and intensive mentoring. Overall, the KKN program has been successful in strengthening collaboration between higher education institutions and the community and has become an example of digital-based economic empowerment at the village level.

This community service program aims to enhance students’ understanding of narrative language features at SMKN 3 Palangka Raya through the implementation of the Detective Case-Solving Game model. The method applied was participatory learning, involving 36 eleventh-grade Computer and Network Engineering students in two sessions. The first meeting focused on introducing the game concept, including rules, character roles, and examples of narrative clues, while the second meeting emphasized the application of more complex case scenarios that required deeper analysis and storytelling skills. The results revealed a significant improvement in students’ ability to identify narrative structures, apply past tense, and use direct–indirect speech correctly. Moreover, students showed higher enthusiasm, actively engaged in group discussions, demonstrated teamwork, and were able to provide linguistic reasoning during presentations. In conclusion, this model effectively strengthens language skills while fostering 21st-century competencies, including critical thinking, communication, collaboration, and creativity, making the learning process more interactive, enjoyable, and meaningful for vocational students.

This article aims to explore the leadership management of Timothy, a young leader in the Bible, by examining his values, principles, challenges, and the relevance of his leadership for contemporary Christian students. The study employs a qualitative literature review method by analyzing the books of 1 and 2 Timothy, supported by relevant management and theological literature. The findings reveal that Timothy’s leadership is characterized by faithfulness, exemplary living, humility, courage, spiritual discipline, and a strong commitment to maintaining the purity of Christ’s teachings. In facing challenges such as false doctrines, social pressures, and limited congregational support, Timothy demonstrated managerial skills grounded in faith and obedience to the guidance of the Apostle Paul. The study highlights that Timothy’s leadership principles remain highly relevant for Christian students today in developing integrity, resilience, and service-oriented leadership. Furthermore, his example provides valuable insights into integrating spiritual management within academic and organizational contexts. This article contributes to a deeper theological understanding of leadership management that unites faith-based values, moral responsibility, and practical competence to respond wisely and ethically to the challenges of modern life.