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Kartika Muda Orphanage, is one of the children's orphanages in Medan City, North Sumatra, located at Jalan Sunan Kalijaga/ Ampera Manunggal Pasar 6. Kartika Muda Orphanage has 25 children with an age range of 6 - 15 years. The aim of this service is to improve the financial literacy skills of the children of the Kartika Youth Orphanage through an introduction to money and its functions, an introduction to financial institutions and the concept of saving. In this service, the PKM Team found that the children of the Kartika Youth Orphanage did not know how to manage their finances well and did not have awareness of the importance of saving.

Education plays a central role in community development and the enhancement of human resources. In the rapidly evolving digital era, information and communication technology has significantly transformed the education landscape. Technology has become an integral part of the teaching and learning process in schools, bringing both challenges and significant opportunities. Particularly at the Junior High School (SMP) level, subjects like Mathematics, Natural Sciences (IPA), Physics, and Chemistry play a central role in shaping students' foundational knowledge. However, students often have varying levels of understanding and different learning styles. This poses a challenge for teachers trying to meet the diverse learning needs of their students. The use of the same linear teaching methods for all students is often ineffective in such a context. In this research, we employed a literature review methodology. This approach helps summarize and synthesize existing knowledge on the role of technology in enhancing student motivation in Science, Technology, Engineering, and Mathematics (STEM) education. By analyzing trends, findings, and patterns emerging from related literature, we can establish a strong knowledge base for this research. The adaptive learning approach, leveraging technology, has emerged as an intriguing solution. This approach allows for real-time analysis of student learning data and the adjustment of content, material, or teaching methods to suit individual needs. The research highlights the primary benefits of adaptive learning, such as personalized content adjustment, enhanced student motivation, more efficient monitoring and evaluation, and time savings in achieving better understanding. However, the research also acknowledges several challenges, including uneven technology infrastructure, the need for teacher training, and student data protection. Nevertheless, this research emphasizes the importance of adaptive learning in the context of STEM education at the SMP level in the digital era, while recognizing the need for further research to explore the potential of technology in enhancing the quality of education at this level.  

Along with the current developments, electricity has become a basic need that must be required. With population growth, economic development, and an increase in various activities and the use of facilities that require electricity, the use of electrical energy will continue to increase even in the use of lights as lighting in offices. The expected purpose of this study is to examine the efficiency of energy use as office lighting for one of the fertilizer industries before and after using LED lights, as well as analyze the costs incurred and the economic value obtained from the use of LED lamps. In this study, several data are needed, such as building plan data, inventory of the types of lamps used, electrical energy consumption, and the price of electricity consumption per kWh through the calculation method. The difference in costs incurred for the use of non-LED lamps into LED lamps is IDR 580,931.14 in the 1st-floor office building in one of the fertilizer industries and IDR 319,747.56 in the 2nd-floor office building in one of the fertilizer industries. Based on this, the difference in costs incurred is very large, so the use of LED lamps is the main alternative in saving energy and costs. Therefore, it is important to conduct studies and research on the impact that can be caused by the use of LED lights on energy consumption and electricity cost efficiency in the company.    

Clean water is a basic human need. Company activities, especially in office areas, require the availability of water that is large enough to move during the work period. One of them is an office area in one of the Fertilizer Industries. The purpose of this research is to identify efforts to save clean water in the office area of one of the fertilizer industries to increase awareness of environmental conditions. This study was conducted by calculating the efficiency of water saving after water-saving efforts were made. Efforts made include monitoring water meters, using water-saving taps, using flushes in toilets, and using sprinklers in plants sprinklers. The use of water-saving faucets uses push taps where the faucet will close automatically when turned on after a while. And for the flush system used, namely dual flush toilets. The The dual flush system has two types of watering.    

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.

A company's success or failure is determined by the strategy, theory and marketing management applied. This research was conducted to find out what marketing strategies for easy mudharabah savings products are used by Bank Syariah Indonesia KCP Medan Juanda to increase the number of customers. This research uses descriptive qualitative analysis methods, using primary data, namely the researcher took data directly by interviewing the Marketing Funding BSI KCP Medan Juanda and secondary data secondary data obtained from documents, scientific journals, books and literature related to the research problem. The results obtained were that BSI carried out a marketing strategy, one of which was by implementing the 4p marketing mix, namely (product, price, promotion, place). BSI must be able to estimate strategic locations, collaborate with other agencies, expand market share, improve quality and innovate.    

This study aims to determine: (1) The Effect of Promotion on Customer Saving Interest at Bank Muamalat Kab. Kolaka (2) The Effect of Service Quality on Customer Saving Interest at Bank Muamalat Kab. Kolaka This research uses an approach with Quantitative methods, Data collection in this study using Observation, Literature Study and Questionnaire Distribution. The population of this research is customers and prospective customers who are in Kolaka Regency. While the sample of this study amounted to 98 people. Testing this research instrument using the Validity Test and Reliability Test with SPSS 25.0. The data analysis technique used in this study is the measurement model test (outer model) and structural model testing (inner model) with Smart PLS 4.0.Based on the results of the study, it is known that there is a positive and significant influence between the Promotion variable on Saving Interest, which is indicated by a t-statistic value of 6,100 with a P-Value of 0.000 and the Service Quality variable also has a positive and significant effect on Brand loyalty, which is indicated by a t-statistic value of 2,042 with a P-Value of 0.021.

This study aims to find out (1) whether knowledge is an obstacle for OG hospital employees to save in sharia banks (2) whether location is an obstacle for OG hospital employees to save in sharia banks (3) whether the work environment is an obstacle for OG hospital employees to save in banks sharia (4) whether knowledge, location and work environment are obstacles for OG hospital employees to save in sharia banks. This type of research is quantitative. The population and sample in this study were 32 Muslim employees at OG Hospital. The data collection technique uses a questionnaire. The analysis technique used is multiple linear regression with the help of SPSS software. The research results show that first, the knowledge variable partially inhibits OG hospital employees from saving in Islamic banks with a calculated t value of 2.244 > 2.048 and a significance value of 0.033 < 0.05. Second, the location variable is not partially an obstacle for OG hospital employees to save at Islamic banks with a calculated t value of 0.675 < 2.048 and a significance value of 0.505 > 0.05. Third, the work environment variable partially inhibits OG hospital employees from saving at Islamic banks with a calculated t value of 3.137 > 2.048 and a significance value of 0.004 < 0.05. Fourth, the variables of knowledge, location and work environment simultaneously become obstacles for OG hospital employees to save at Islamic banks with a calculated F value of 28.062 > F table 2.95 with a significance value of 0.000 < 0.05.

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.

This study aims to analyze the influence of financial literacy, trust, location, income, and public views related to profit sharing in saving at Islamic banks. This type of research is qualitative and quantitative. Sampling techniques are simple random sampling and questionnaires. The results showed that financial literacy and location did not affect the interest in saving at Sharia Banks in the people of Perbaungan District. Trust, income and perception of profit sharing have a positive and significant effect on the interest in saving at Sharia Banks in the people of Perbaungan District. The need to expand the arrangement of data on Islamic banks such as sharia principles and products/goods in Islamic banks, so that interest in saving at Islamic banks will increase.

Maitara Island is a tourist destination, there are local tourist visits, visits for tourism, in addition to tourists enjoying the natural beauty of Maitra Island then, it cannot be separated from consumption, therefore, the provision of healthy food and drinks that must be provided by the community, especially mothers on Maitra Island, the development of tourism today, presents typical culinary problems in the area. The PKM methodtargets activities to mothers on the island of Maitara. This method of implementing community service uses the method; Lectures, Practices and Mentoring Participants. The results of  the PKM on Sunday, October 5, 2023, took place at the village office, and 30 people were present for this PKM activity, who were mothers in Maitara Salatan village. In general, still managing the results of the husband's income to consume daily needs, and children's education, not used to do seving (savings), other problems there is no training on improving skills to produce products to sell, adding to produce.

A bank health assessment is needed to find out whether the condition of the bank is unhealthy, sick or healthy so that the company can take appropriate steps to handle it. The choice of CAR (Capital Adequacy Ratio) as the dependent variable is because according to Bank Indonesia, the Capital Adequacy Ratio is the most important indicator in maintaining the level of bank health. Meanwhile, the choice of ROA (Return On Assets) and ROE (Return On Equity) is because Return On Assets and Return On Equity are aspects of assessing the health of a bank as seen from its ability to generate profits. This research has an important objective to evaluate the financial performance of PT. BTPN Bank by considering ROA, ROE and CAR. With this research, PT. Bank BTPN will know whether the profits generated from Assets and Equity affect the Capital Adequacy value. The sampling technique in this research used purposive sampling, while the sample taken was PT's quarterly financial report. BTPN Bank for the 2014-2022 period consisted of 36 samples obtained through documentation and literature study. From the results of the analysis carried out, the research results show that partially Return On Assets has a positive and significant effect on the Capital Adequacy Ratio, Return On Equity has a negative and significant effect on the Capital Adequacy Ratio, and simultaneously Return On Assets and Return On Equity have a positive and significant effect but not very strong on PT's Capital Adequacy Ratio. National Pension Savings Bank in the 2014-2022 period with evidence of an R Square value of 0.304 or 30.4%.  

BUMDes serves as a tool to drive rural economic development by harnessing the potential within the village. One of the primary obstacles in the development of BUMDes is the lack of qualified human resources. The aim of this Community Service Program (PKM) is to provide training and workshops to the management of BUMDES in Desa Waru, focusing on developing BUMDES flagship products. The method employed in this PKM involves training and workshops, which include both theoretical instruction and practical application of the materials provided. The participants in this activity consist of 15 individuals who are part of the management team of BUMDES in Desa Waru. As a result of this PKM, BUMDES in Desa Waru now possesses several flagship products that can be further developed, including "Snack Si Engkong" made from cassava, a Savings and Loans Cooperative, and a trendy concept Café business. The training and workshop on Village-Owned Enterprises (BUMDes) as an Economic Driver for the Community in Desa Waru, Parung District, Bogor Regency, have been conducted smoothly, without significant issues. The materials provided in this activity were well-suited to the needs of the participants, who also serve as the management team of BUMDES in Desa Waru.

Investment is a benchmark for whether a country can be said to have a good or low level of economic growth. The rate of investment affects the level of state welfare because investment encourages the state to create production to fulfill state affairs and the nation's welfare. Investment policy also has a positive role in reducing poverty and unemployment, because economic growth depends on high savings and investment. If savings and investment are low then the economic growth of society and the country will also be low. To achieve the goal of realizing the vision and mission or objectives of the One Stop Integrated Investment and Services Agency (DPMPTSP) itself, an appropriate promotional strategic work plan is needed to be considered by the regional government, so that investment in North Sumatra increases. Various activities have not had a significant impact in increasing investment, the increase in promotional activities carried out is not in line with the increase in investment value. The research technique used in this research can be a subjective expressive qualitative strategy, in the form of specific information in terms of words that match the characteristics subjective approach. Qualitative is collecting important and additional information through perception, interviews and documentation. The results of this research show that the North Sumatra Provincial Government has implemented an investment strategy, improved the quality and skills of the community through training, and carried out comprehensive investment promotion activities (such as holding seminars and investment forum meetings) at home and abroad. Accelerate infrastructure development and support regional investment development. Distribution of Capital Investment; Focus on Food, Infrastructure and Energy Development; Environmentally sound investment (green investment) Empowerment of Micro, Small and Medium Enterprises and Cooperatives (UMKMK); Providing facilities, convenience and investment incentives; and Investment Promotion. A conducive and competitive investment climate.    

This thesis is a study that examines the factors that influence the disinterest in saving. The purpose of this thesis is to be able to determine whether or not there is a significant influence from location, knowledge and product, reputation, promotion and religiosity simultaneously or partially on disinterest in saving and to find out the most dominant variable on disinterest in saving. This study used a quantitative method using primary data by giving questionnaires to the community in the Muara Bulian sub-district, with a total sample of 160 respondents. The analysis technique used is multiple regression analysis technique. carry out various tests such as the classic assumption test to check the health of the data, simultaneous (F) and partial (t) tests in order to find out the influence or not of the variables used, multiple liner tests, determinant coefficients and effective contributions in order to find out the dominant variable in influencing disinterest save until you can draw conclusions. The results of the conclusions of this study are as follows: (1) Simultaneously and partially indicate that location, knowledge and products, reputation, promotion and religiosity have a positive and significant effect on people's disinterest in saving in Islamic banks (2) The variable that has the greatest influence on disinterest in saving is a variable of knowledge and product that is equal to 18%  

The purpose of this service activity is to provide counseling related to the importance of financial literacy to farming communities in Tabadamai village, South Jailolo District; The method of devotion is; using FDG method: Lecture, Practice and Participant Mentoring. To design financial planning, the resource person conveyed that wants and needs must be separated, and can use empty land in the yard of the house, plant kitchen needs in the form of rica, tomatoes and vegetables, so that the distribution of consumption needs can be suppressed, this can add to the increase in seving.savings for the long term, in the form of children's education, ordinary illness and old age.  

The habit of storing the harvest in the form of nutmeg is something that has become a culture among the people of Morela village, Leihitu District, Central Maluku Regency. This research will examine theoretically the economic variables that influence the storage of dry nutmeg seeds by farming households. To analyze the relationship between variables that cause savings choices, an inter-time model is used. The choice is based on the meaning of the present and future times. If the present time is more meaningful then farmers will sell the nutmeg seeds they have and conversely if the future time is more meaningful it will increase the amount of nutmeg savings. The variables included in this research are relative price variables, current income and future income. This research uses primary data through interviews and questionnaires. The samples taken based on the purposive random sampling method were 75 farmers in Morela village. To analyze the magnitude of the influence of the independent variable on the dependent variable, cross-section regression was used using the Eviews tool. The results of the research show that the price variables at harvest, the estimated future price of cloves, and future consumption influence the clove savings of farmer households.

The purpose of this study is to determine the application of tax planning (tax planning) can affect the corporate income tax that will be paid by CV. Ethanas Nusa Palapa. This type of research uses descriptive qualitative research. Data collection techniques used are observation, documentation, and interviews. This study uses primary data and secondary data. The results of this study indicate that, CV. Ethanas has not done optimal tax planning. By implementing tax planning CV. Ethanas Nusa Palapa was able to reduce its tax obligations from Rp. 23,365,281 to Rp. 19,175,491 and saved Rp. 4,189,790 in taxes.

The aim of this research is to determine the role of IB Makbul smart savings in increasing DPK, which is located at PT Bank Sumut Capem Syariah HM Joni. The research uses quantitative methods. The population of this research is all employees at Bank Sumut CAPEM Syariah HM JONI Medan, totaling 13 people. The sampling technique in this research was to use a saturated sampling technique (total sampling). Based on the results of the Kendall's Tau B test above, the significant value is 0.114 > 0.05 which indicates that the relationship between the Smart Ib Makbul savings variable and the third party funds (DPK) variable is not significant or in other words there is no/sufficient relationship between the variables. The three interpretations in the Kendall's Tau-B correlation test above, a conclusion can be drawn that "the relationship between Smart Ib Makbul savings and third party funds (TPF) is not significant, sufficient, and in the same direction.

As time goes by, economic activity in Indonesia certainly experiences development, as does the development of increasingly modern technology. This development also spread to Islamic banking. The beginning of the development of the Islamic finance industry was initiated by the inspiration of the Indonesian people, who are predominantly Muslim. The purpose of this study is to analyze how the perception of the Kajen community is related to sharia-based savings services in the Pekalongan Regency area. The method used in this study uses a qualitative approach with research subjects from the Kajen community based on a representative principle. Source of data in this study using primary data by using interviews with informants. The results of this study are that people already understand the existence of sharia savings services. Sharia savings institutions in the community include BSI, Bank Muamalat, BTM, BMT, BTN. According to public perception, sharia savings services have attractive performance and friendly service. However, there are several obstacles in terms of opening sharia savings, namely the many requirements that must be met.