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The purpose of this thesis is to manage Islamic finance MSMEs at Muaro Jambi Temple, to find out the obstacles in managing MSME sharia finance at Muaro Jambi Temple and to find out the efforts of MSMEs in financial management at Muaro Jambi Temple. This thesis uses a qualitative approach with data collection methods through observation, interviews, and documentation. Based on the research conducted, the following results and conclusions are obtained: MSME Islamic Financial Management in Muaro Jambi Temple is carried out by trying only to take what is lawful and good, lawful way of acquisition: through trade that applies voluntarily and willingly, lawful method of acquisition: act fairly and avoid doubts and lawful. How to use: Help each other and avoid excessive risks. Obstacles in MSME Islamic Financial Management at Muaro Jambi Temple include personal needs and business turnover that are not separated and limited knowledge. Efforts in MSME Islamic Financial Management at Muaro Jambi Temple include the use of the budget in the needs that will be carried out so that the business being run can benefit, recording is done to anticipate losses occurring or expenditures occurring, so that income will also be clearer when recording, reporting is done made not just written numbers but have information. Exercising control by fully implementing control over the financial management of its business.

The COVID-19 pandemic and the imposition of Community Activity Restrictions (PPKM) in Jambi City had a direct impact on street vendors (PKL) at Tugu Keris Park, Jambi City. Therefore, traders must think of the right strategy in order to survive during the COVID-19 pandemic. The trader's strategy is a form of effort made during the face of the pandemic problem This study aims to analyze the impact of the pandemic on the income of street vendors in Taman Tugu Keris, Kota Baru District, Jambi City and to analyze the adaptation strategies applied by street vendors. five in Tugu Keris Park, Kota Baru District, Jambi City in dealing with COVID 19. This research approach uses a qualitative approach based on the philosophy of postpositivism. Data were collected using interviews and field observations. The results showed that there were three impacts of the COVID-19 pandemic by traders; first, the impact of declining income; second, the impact of disrupted economic activities of traders; third, the impact of financial expenditures that are not proportional to income. Meanwhile, the adaptation strategies found in the research on traders include; first is the corporate strategy by not increasing the selling price; both business unit strategies by providing bonuses; the three functional strategies with the use of social media for promotion. This research is expected to become knowledge and input for traders, government, and consumers when facing similar problems in the future.

This study aims to determine and compare how the financial control of ice jelly potter and cassava chips in financial control and to find out the shortcomings if they do not use financial control. This study uses a qualitative approach. The data sources used are primary and secondary data sources. While the data collection techniques used in this study were observation, interviews, and documentation. The results of the study indicate that in terms of financial control, the ice jelly potter business has implemented financial control although it has not been maximized which includes financial management (budgeting, recording, reporting, and financial control). This is a plus for UMKM because they have implemented financial controls as well as future steps that will be taken to become more knowledgeable, and can assist in decision making in the future. The factors that become a shortage of cassava chips business in running a business if they do not use financial control (financial management) are not knowing the next steps to be taken, not being able to develop a business, not knowing whether the business is profitable or detrimental. Therefore, financial control is very important in running a business.

The application of an expert system (expert system) which is very useful for the wider community is certainly very much needed by society today. Apart from that, this development also supports various human activities. Expert systems are also able to make recommendations for a series of user actions. The aim of this research is to determine the development of expert systems in management information systems. The research method used in this research is a descriptive research method with theoretical studies, namely a method that discusses several possibilities for solving actual problems by collecting data, compiling or classifying them, analyzing and interpreting them with existing theories and comparing them from literature sources. The research results show the development of expert systems in management information systems, namely knowledge bases, inference engines, and user interfaces. It can be concluded that expert systems help work and technological progress more quickly and the decision-making process is based on existing information and facts. Expert systems have also been used in various fields, from medical, legal, to financial. In developing an expert system, it is necessary to increase the level of knowledge related to the latest technology and information. So you can utilize modern technology to complete work more effectively and efficiently.

Community Service is one of the implementations of the Tri Dharma of Higher Education, aiming to apply students’ academic knowledge directly within society. This activity was carried out by fifth-semester students of the Islamic Banking Study Program through the organization of the Festival Ramadhan Ceria at SDN 1505 Pasir Julu. The program aimed to instill Islamic values, enhance basic understanding of Islamic finance, and foster religious and social character among elementary school students during the month of Ramadan. The implementation method employed an educational and participatory approach through various activities, including Islamic competitions, educational games, simple counseling on saving based on Islamic principles, and socio-religious activities. The results of the program indicated increased enthusiasm and active participation among students, improved understanding of Ramadan values, and early awareness of Islamic financial concepts. In addition to benefiting the students, this community service activity also served as a practical learning experience for university students in developing soft skills, leadership, teamwork, and social awareness. Therefore, the Festival Ramadhan Ceria proved to be an effective medium for strengthening the relationship between higher education institutions and the community, while also contributing positively to the character development of elementary school students.

The SME empowerment policy is generally directed at supporting efforts to overcome poverty and inequality, create job opportunities and increase exports, as well as agricultural and rural revitalization, which are national development priorities. In addition, the development of small and medium enterprises (MSMEs) is directed at making a significant contribution to creating job opportunities, increasing exports and increasing competitiveness.This Community Service Activity (PKM) is focused on MSMEs in Pagerharjo Village, Kulon Progo Regency. The reason for choosing this service location is because Pagerharjo Village is an Independent Cultural Village which has implemented the Preneur Village program since 2019. The Preneur Village is currently still active and developing. The problem with MSMEs, under the management of BUMDes Binangun Pagerharjo in Pagerharjo Village, Samigaluh, Kulon Progo Regency, is the lack of entrepreneurial spirit and financial bookkeeping which, on average, is still done manually.The results of the service include responses and evaluations from participants regarding the training that has been provided. The response was given by the Director of BUMDes who was impressed with the training provided which was different from the training that had been provided previously. Previous training involved mostly listening to lectures, whereas the current training involves participants being active in solving the various problems they face. The evaluation results show that the participants' knowledge has increased and their insight into their business has also increased. It turns out that producing a business is not only based on generations, but also requires innovation so that marketing will continue to develop and financial management will also improve.

This investigation aims to explore the multifaceted impact of entrepreneurship education, AI integration, microfinance, and financial knowledge on micro, small, and medium enterprises (MSMEs). Employing a qualitative research design, the study utilizes purposive sampling to gather data from a diverse pool of MSME owners and stakeholders. Through thematic analysis, the study examines the interplay between these factors and their implications for MSME growth and sustainability. Preliminary findings suggest that entrepreneurship education fosters innovative thinking, while AI integration enhances operational efficiency. Microfinance serves as a crucial resource for MSMEs' financial needs, complemented by adequate financial knowledge for effective management. The study sheds light on the intricate dynamics shaping the MSME landscape, offering insights for policymakers, educators, and practitioners to bolster MSME development strategies.    

The preparation of financial reports for UMKM Mulia Maju Panlong is in accordance with SAK EMKM and to identify any obstacles in preparing financial reports based on SAK EMKM for UMKM Mulia Maju Panglong. This research was conducted using qualitative methods with a descriptive approach and preparing financial reports based on SAK EMKM using primary and secondary data taken from Mulia Maju Panglong. Data collection techniques in this research used observation, interview and documentation techniques. Based on data analysis, the research results show that the preparation of financial reports made by Mulia Maju Panglong is not fully in accordance with the Financial Accounting Standards for Small and Medium Entities (SAK EMKM) and only adapts to the needs of the business without understanding the applicable standards. Mulia Maju Panglong in presenting incomplete financial reports according to those in SAK EMKM by only making two financial reports in the form of a financial position report and a simple profit and loss report. There are several obstacles faced by Mulia Maju Panglong MSMEs in preparing financial reports in accordance with the provisions of SAK EMKM, namely the lack of knowledge of MSME owners regarding SAK EMKM which applies in preparing financial reports, the lack of understanding of MSME owners regarding technology and information and the absence of an obligation for MSMEs to prepare financial reports according to SAK EMKM standards.

This research was conducted to obtain information related to the ability of cooperative management to be able to optimize the scale of cooperative business, through efficient, productive and rational capital allocation; utilization of business capacity and cooperative capital; cooperation with various parties, both in the form of business, capital and cooperative management in general; and fertilization of own capital, through member savings and the formation of reserve funds. To achieve the above optimization, the stigma of "Cooperative as an association of people not an association of capital" should be removed, which is often considered as one of the factors causing the failure of cooperative financial management. Of course, this is a tough task for cooperative managers in carrying out their cooperative business activities, but with the capacity of the management that continues to be fostered and upgraded in knowledge and abilities, to achieve maximum cooperative goals.

The advent of the Internet as an effective means for resource sharing has consequently, led to proliferation of adversaries, with unauthorized access to network resources. Adversaries achieved fraudulent activities via carefully crafted attacks of large magnitude targeted at personal gains and rewards. With the cost of over $1.3Trillion lost globally to financial crimes and the rise in such fraudulent activities vis the use of credit-cards, financial institutions and major stakeholders must begin to explore and exploit better and improved means to secure client data and funds. Banks and financial services must harness the creative mode rendered by machine learning schemes to help effectively manage such fraud attacks and threats. We propose HyGAMoNNE – a hybrid modular genetic algorithm trained neural network ensemble to detect fraud activities. The hybrid, equipped with knowledge to altruistically detect fraud on credit card transactions. Results show that the hybrid effectively differentiates, the benign class attacks/threats from genuine credit card transaction(s) with model accuracy of 92%.

Technological advances are increasingly rapidly encouraging MSMEs to evolve in digital marketing. There are still many MSMEs in Sait Buttu Saribu village that have not fully utilized existing social media. The lack of knowledge and expertise regarding digital marketing makes the use of digital marketing still limited. provide an overview of clear sales financial governance such as how much profit or loss is earned or inventory. This socialization activity was held at the Sait Buttu Saribu village hall. This activity began with the presentation of material on digital marketing and simple Buku Warung. Then the committee accompanied the participants regarding filling out the cash book application format. After that, a question and answer session was held. The socialization activities went well and were full of enthusiasm as evidenced by the communicativeness of the MSME participants in terms of asking questions about the material that had been presented and sharing with each other about the MSME businesses being run.

Economic life cannot be separated from the important role of the financial services sector in general and banking in particular. It is through this media that the aim is to realize a healty economy by empowering existing funds or investment potential in the community which can be channeled into various productive activities so that healthy economic growth can be achieved and avoid usury. There are several financing products such as mudharabah, ar-rahn, and qardhul hasan. Baitul Maal Wat-Tamwil to provide financing to small businesses cannot possibly be replaced by sharia banks, because it is impossible for sharia banks to operate in small scale financing, while the community needs small capital. The purpose of this study was to determine the effect of knowledge the intention to use murabahah financing in the Baitul Maal Wa-Tamwil Al-Ishlah, Jambi City, to determine the effect of public perceptions on yhe interest in using murabahah financing in the Baitul Maal Wat-Tamwil Al-Ishlah, Jambi City, and to determine the influence of public knowledge and perceptions of interest in using murabahah financing in Baitul Maal Wat-Tamwil, Jambi City. This research is a quantitative research, collecting data using questionnaires and questionnaires. The sampel for this research was the local community in RT 19, Simpang IV Sipin Subdistrict, Telanaipura District, Jambi City, totaling 86 peole. The reseacrh results show that the variables of knowledge and public perception influence interest in using murabahah financing. The results of calculating the coefficient of determination show that the variables of knowledge and public perception are 76,9% and 23,1% influenced by other variables outside this reseach.  

Karang Taruna as a social organization as well as a forum and means for the development of every member of society which grows and develops on the basis of social awareness and responsibility from, by and for the community, especially the young generation in the village/sub-district area, is primarily engaged in the field of social welfare business." Karang Taruna Pasir Jaya is still under the auspices of the Village, so it receives funding every year from the Village government. Therefore, competent Human Resources (HR) are needed to produce quality financial reports. Through this community service activity, it is hoped that the community, especially youth organizations, will understand the concept and meaning of the Cash Book, namely a financial journal containing records of cash receipts and payments, as well as understand the benefits of the Cash Book. This activity is carried out through outreach, training and mentoring to members of the Pasir Jaya Youth Organization. Based on the Community Service activities that have been carried out, there were participants who were able to understand 75% of the material. The result of this service activity is to increase the knowledge of the community, especially youth organizations, about the bookkeeping system, recording daily transactions so that the business carried out can provide the expected profits.  

This study aims to analyze the perception and intensity of use of QRIS (Quick Response Code Indonesian Standard) among MSMEs (Micro, Small, and Medium Enterprises) in Pekalongan using descriptive qualitative research methods. QRIS is an electronic payment system that allows MSMEs to receive payments via QR codes that can be scanned using a banking application or digital wallet. Through a descriptive qualitative approach, this study involved in-depth interviews with MSMEs owners and managers in Pekalongan to understand their perceptions of QRIS and their intentions in using this payment system. The researcher will use a structured interview guide to collect data on the knowledge, experience, and attitude of MSMEs towards QRIS. Data collected from interviews will be analyzed using descriptive analysis techniques, where findings and patterns arising from interviews will be identified, grouped, and interpreted. This analysis will provide a more in-depth insight into the perception and intensity of QRIS use among MSMEs in Pekalongan City. The results of this study are expected to provide a more in-depth understanding of the factors affecting QRIS adoption among MSMEs from their own perspective. The resulting information can be used to develop better strategies and policies in promoting QRIS use among MSMEs. In addition, the results of this study can also provide valuable input for banks, governments, and other stakeholders in expanding QRIS adoption and increasing financial inclusion in the MSME sector in Pekalongan City. It is hoped that this study will contribute significantly to the development and further understanding of QRIS implementation among MSMEs and help create a more efficient and inclusive payment ecosystem for MSMEs in Pekalongan City and the community as a whole.  

The target audience for this Science and Technology Application Program is the Nurimas batik making group which has 11 members and is located in Pajerukan Village, Kalibagor District. The emergence of this group was triggered by the large demand for batik products in Kalibagor District in particular and in Banyumas Regency in general which has not been served, namely 10,020 people from school students, teachers and employees within the Kalibagor District. School students, teachers and employees in Banyumas Regency are generally required to wear batik clothing 2-3 days a week. Meanwhile, the Nurimas Batik group is the only batik craftsman from the Kalibagor District area. The partners' main problems are that many of the production equipment is no longer suitable and there is a lack of capital due to the Covid 19 pandemic, the partners have not started a business in promoting their products to potential customers, the partners have not mastered the online marketing or sales of their batik, the partners do not understand group management. which is good, the partners do not implement order in their group's administrative records, the batik motif designs of the batik-making partners are still simple and not yet varied, their mastery of business management is still lacking and they do not carry out standardized bookkeeping. This activity has resulted in an increase in equipment and production materials owned by partners, increased sales, the ability to market on-line, increased partner mastery of group management and administration, results of administering activities, group financial reports, and scientific articles. In order to obtain the specified goals and outcomes, the team carries out outreach programs to partners, practice and mentoring. The method used to evaluate is to compare the level of knowledge with capabilities and production results. Then compare marketing activities before the Science and Technology Application service program and after.

Community Service is a lecturer's obligation which must be carried out as an implementation and recognition of the Tridharma of Higher Education, and is a lecturer's concern for environmental sustainability and the existence of community life. One form of concern from researchers which focuses on the community economic sector is still being carried out in order to play a role in the development of the nation's economy. The methodological approach used by researchers is to provide counseling and assistance to micro, small and medium business actors in managing their businesses with marketing strategies to increase profitability in their businesses. Micro, Small and Medium Enterprises (MSMEs) are one of the economic implementers that give color to Indonesia. The number of MSMEs is increasing every year and has absorbed a lot of workers. The existence of MSMEs is part of human life activities to meet their daily needs as well as their existence in the era of economic globalization and the ability to survive in the face of the economic crisis and during the Covid-19 pandemic. Marketing also requires a strategy that will later be able to win a battle. Because he considers that there are many opponents in the market field who have similarities in their business and should not be turned off. As in the Pancasila economic system, fellow market players should have a sense of mutual care from large entrepreneurs towards smaller entrepreneurs. Therefore, it is necessary to have a Grand Strategy and a Core Strategy or what is called a Core Strategy. (Buchari, 2018) Almost every month MSMEs in the Jember Lor area continue to increase, more people choose business as a way to gain financial income for the family. However, MSME business is still carried out conventionally without any thought for the development of the business. As explained above, assistance is needed for MSME business actors who are willing to become respondents to gain knowledge about marketing strategies in order to increase profits and ensure that their business can survive and develop.

The basic knowledge and strategies of microenterprise actors are important to help them manage and develop their businesses more effectively. The following section presents basic knowledge and strategies that may be useful for microentrepreneurs. Knowledge of the concepts, characteristics and challenges facing microenterprises, including resource constraints, access to capital and scale of operations. Understanding the local market, competitors, consumer trends and purchasing behavior can help determine the right marketing strategy. Basic issues of financial management, Hopefully, SWOT analysis can help business stakeholders reassess the internal and external factors of the business.

In an era of disruption, the church needs to adapt to rapid social, technological and economic changes, the church as a religious institution also needs to adapt to face these challenges. One important aspect that needs to be considered is the congregation's economy. A strong and sustainable economy can provide support for church activities and the surrounding community. This research aims to identify effective church strategies in improving the congregation's economy in an era of disruption. Through a literature study approach and case studies of successful churches, several strategies were found that could be implemented: First, churches need to increase the congregation's skills and knowledge in facing economic changes. Second, churches need to utilize information and communication technology to support the congregation's economy. Third, the church can encourage entrepreneurship among the congregation. Support can be provided through providing co-working spaces in churches or establishing business incubators to help congregation members who want to start their own business. Churches can also facilitate business collaborations between congregations who have complementary skills and interests. Four, churches need to develop strategic partnerships with external parties, such as non-profit organizations, financial institutions, or private companies that have visions and values that are in line with the church. but must be based on the ethical and moral principles taught by religion.

Dayah Ruhul Falah was founded in 2003 by Al Fadhil Tgk.H.Ibrahim Hasyim, established on 4500 m2 of waqf land with 800 students from various regions of Aceh such as North Aceh, Pidie, Aceh Besar and Banda Aceh. Along with the development of time and progress that is increasingly globalized, pesantren have not shown significant progress, this is because pesantren still have challenges ranging from management, the curriculum that is applied and the facilities owned are still very limited and the source of funds is minimal. The ability of pesantren managers to innovate is a requirement for efforts to direct changes in pesantren institutions to become more advanced in increasing and financial independence to make these changes. So far, the management of financial funds related to the activities carried out at Pasantren Ruhul Falah, both educators' honorariums and other needs in general, has been sourced from financing originating from the parents of students, government and private institutions. Pasantren Ruhul Falah, which was founded in 2003, has no pasanten-owned business entity managed under the pasantren, so it is necessary to conduct training and education for administrators and students in the dayah by making kueh, developing moringa leaves into the economy. This service activity was carried out with the aim of increasing knowledge and skills for training participants to become independent entrepreneurs. The method we do with lectures, questions and answers, practice and demonstrations and group exercises. This program begins with the preparation stage by forming a community service committee team by coordinating team members with the aim of making it easier to socialize to other university lecturers who want to join the community service group. In this community service, the target to be achieved is understanding and skills so that it can improve the economy in Pasantren Ruhul Falah Samahani Aceh Besar.

The aim of research at PT. Gudang Garam Tbk is (1) To find out the causes of fluctuations in Profit Loss at PT. Gudang Garam Tbk 2018-2021, (2) To determine the financial performance of PT. Gudang Garam Tbk in terms of the 2018-2021 Liquidity Ratio, (3) To determine the financial performance of PT. Gudang Garam Tbk in terms of the 2018-2021 Solvency Ratio, (4) To determine the financial performance of PT. Gudang Garam Tbk in terms of the 2018-2021 Profitability Ratio. The benefits of this research are (1) for the company, namely to find out the company's financial performance so as to provide an overview and consideration in making financial decisions in the future, (2) for readers to use as a reference in facing similar problems and as a means of knowledge, (3) For the author, namely to increase insight and application of theory. The data collection method used is to study the documentation of the Company's Financial Reports, namely the Balance Sheet, Profit and Loss and other company records from PT Gudang Garam Tbk which are downloaded via the internet. Based on the results of research assessing the performance of PT Gudang Garam Tbk by analyzing financial ratios in its development over the past four years, it is quite stable and healthy because the growth in assets is greater than the growth in debt. (1) The company's current ratio from 2018 to 2020 has increased every year, this proves the growth rate Companies that are growing rapidly are quite good and in 2021 there will be a decline but it can still be said to be quite good. (2) DAR and DER debt ratios in 2018, 2019 and 2021, the company's debt ratio is greater than in 2020. Where in 2020 the debt ratio decreased even though it was still above normal. (3) The ROA profitability ratio increased in 2020 and in 2021 there was a decrease in assets. Meanwhile, ROE reached its lowest point in 2021. However, in 2018 and 2019 it was above the standard average. This proves that the company's ROE is quite good. Based on the conclusions, the author suggests that if liquidity is too high, the company's liquid assets will be excessive and need to be used efficiently to increase profits, so as to avoid being too liquid, the company will have optimal liquidity, the company should maintain financial performance in terms of liquidity ratios, solvency and profitability because the financial performance in 2018 to 2021 was quite good.