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

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

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

This research aims to find out whether trust, service and return of results influence MSMEs' interest in becoming Sharia Bank customers. This research uses a quantitative approach by obtaining primary data from questionnaires by taking samples using a random sampling technique with the selection of the entire population in this study being sampled using the census method or saturated sample. Data collection techniques were carried out using observation, interviews, questionnaires and documentation. The data processing technique used is multiple regression data analysis using SPSS 25, UI hypothesis testing, validity testing, and classical assumption testing. This research shows that trust, service and returns have a significant effect on MSMEs' interest in saving at Sharia Banks.

The high purchasing power of society and within lengthy periods will cause the state falls into inflation. Inflation has its influence on domestic savings. Hence, the government tries to limit the amount of money which circulates and reduces inflation risk by offering higher interest rates for the people who deposit their money in national banks. The socialization program of early saving is carried out with the purpose of creating national program in creating a generation who isable to manage their finances well. Other than that, the program hopefully has the ability to leverage the interest in saving for children. The children may develop the habit into an insurance for their later life, and autonomously learn to save and to be responsible in managing the money,hence the goals of the program.Teaching the children to save early may also develop positive personality; to save means teaching the children how to be patient, and saving is useful for future savings.

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

This study explores the application of green hydrogen technology for industrial decarbonization, focusing on its techno-economic and environmental feasibility. A quantitative approach was used, incorporating system modeling of a solar-based hydrogen production system combined with electrolyzers. The techno-economic assessment involved calculating the Levelized Cost of Hydrogen (LCOH), estimating capital and operational expenditures (CAPEX and OPEX), and evaluating the system's energy efficiency and hydrogen output. The environmental impact was analyzed using Life Cycle Assessment (LCA), comparing the carbon footprint of green hydrogen with fossil-based hydrogen. The results reveal that green hydrogen can reduce carbon emissions by up to 60% compared to fossil hydrogen, primarily due to the use of renewable energy for production. Additionally, the study found significant improvements in energy efficiency as electrolyzer performance and solar capacity increased. The LCOH is expected to decrease steadily as solar panel and electrolyzer prices continue to fall, enhancing the competitiveness of green hydrogen in the energy market. The findings also highlight the potential for heavy industries, such as cement and steel production, to transition from fossil fuels to green hydrogen, contributing to a cleaner industrial energy mix. This transition presents both environmental and economic benefits, with long-term savings from reduced fossil fuel dependency and lower production costs.

The problems faced in this study include (1) How is advertising at BNI Tasikmalaya Branch? (2) What is the customer's decision to save at BNI Tasikmalaya Branch? (3) How does advertising affect the customer's decision to save at BNI Tasikmalaya Branch? This research aims to study, know, and analyze (1) Advertising at BNI Tasikmalaya Branch. (2) The customer's decision to save at BNI Tasikmalaya Branch. (3) The influence of advertising on the customer's decision to save at BNI Tasikmalaya Branch. The method used in this study is explanatory survey, while the technical data analysis is validity test, reliability test, descriptive statistics, Inferential Statistical Analysis with Simple Regression. The results of the study inform that (1) Advertising at BNI Tasikmalaya Branch is high. With the highest score on the sales response indicator and the lowest score on the persuasive influence indicator (pre/post preference testing).  This means that advertising is heavily influenced by sales response indicators. (2) The customer's decision to save at Bank BNI Tasikmalaya Branch is very high. With the highest score on the customer compatibility indicator and the lowest score on the dramaturgy indicator. This means that the customer's decision to save at Bank BNI Tasikmalaya Branch is greatly influenced by customer compatibility indicators. (3) Advertising has a positive effect on the customer's decision to save at Bank BNI Tasikmalaya Branch. This means that if advertising is improved, then the customer's decision to save at Bank BNI Tasikmalaya Branch will also increase.

Splazz drinking water depot is a refill drinking water depot and drinking water supplier in the Yogyakarta area which has a distribution/delivery route for drinking water to consumers in several different locations. The distribution carried out does not take into account optimal routes so that the costs incurred in distribution are not optimal. By Therefore, research was carried out at the Splazz drinking water depot to optimize routes and costs for distributing drinking water to consumers using the saving matrix method and the branch and bound method. The initial route for the distribution/delivery of drinking water carried out at depots based on days from the data collected shows a total distance of 66.6 Km to 35 delivery points. Processing the data using two different methods resulted in a route saving of 16 - 18% of the delivery distance with a total distance savings of 54.9 Km for the saving matrix method and 55.8 Km for the branch and bound method, the distribution vehicle used uses a modified motorbike with a carrying capacity of 5 gallons. Then calculate the amount of cost savings after saving the distance on the distribution/delivery routes, resulting in fuel cost savings of 16 – 17%.

Splazz drinking water depot is a refill drinking water depot and drinking water supplier in the Yogyakarta area which has a distribution/delivery route for drinking water to consumers in several different locations. The distribution carried out does not take into account optimal routes so that the costs incurred in distribution are not optimal. By Therefore, research was carried out at the Splazz drinking water depot to optimize routes and costs for distributing drinking water to consumers using the saving matrix method and the branch and bound method. The initial route for the distribution/delivery of drinking water carried out at depots based on days from the data collected shows a total distance of 66.6 Km to 35 delivery points. Processing the data using two different methods resulted in a route saving of 16 - 18% of the delivery distance with a total distance savings of 54.9 Km for the saving matrix method and 55.8 Km for the branch and bound method, the distribution vehicle used uses a modified motorbike with a carrying capacity of 5 gallons. Then calculate the amount of cost savings after saving the distance on the distribution/delivery routes, resulting in fuel cost savings of 16 – 17%.

The main problem in this research is what factors influence customer decisions in choosing BRI Bank Britama Savings Products in Fatukoa Village. The aim of this research is to see and explain what influences the decisions of Fatukoa Village customers in saving with Britama Savings Products. This type of research uses descriptive qualitative research. The data sources in this research are primary data and secondary data. Where data collection uses interview, observation, and documentation techniques. determining informants using Purposive Sampling, totaling 6 people. The time and place of the research was carried out in the 2023-2024 academic year, on a number of customers who live in Fatukoa Village, Kupang City. The results of this research explain that the factors that influence customers' decisions in choosing Britama Bank BRI savings products are influenced by cultural factors because cultural influences play a key role in customer decisions. The socialization process from the experience of being a customer for eight years, the use of banking products since the beginning of college, and the management of business transactions are the main factors in choosing Britama Savings. Social Factors due to the existence of reference groups, both from friends and family, have a big impact. Suggestions from friends about the benefits of interest rates and easy access to BRI Bank's online services, as well as recommendations from wives who are BRI Bank customers, are taken into consideration in the decision to save on Britama Products. Personal Factors due to Age, life cycle stage, work and economic environment are factors personal influences on product choices. The decision to save in BRI Bank Britama Products is based on long-term goals, investment, financial discipline, and economic considerations as well as income that can be invested, and Psychological Factors because the motivation for opening a Britama Savings account is related to biogenic and psychogenic needs, such as increasing pension funds, long-term investment, increasing financial discipline, and building savings habits. Trust and positive attitudes towards Britama products, supported by the reputation and security of BRI Bank, also play a key role in decision making. Apart from that, information from reference groups, socialization experiences, economic considerations, and trust in banking institutions are key factors that shape customer decision behavior.

Employee productivity is one of the determining factors for the company's success in achieving its goals. Proper leadership implementation can increase employee productivity, especially in the banking sector. A leader in the banking sector must be able to unite perceptions (perspectives) in every element of the company, both employees and leaders of institutions in an effort to achieve the goals of financial institutions. This can be seen from the leadership style applied to one of the banking institutions in Indonesia, namely PT. State Savings Bank Jombang Sharia Sub-Branch Office. This research was conducted with the aim of knowing how to implement the leadership model at PT. BANK BTN KCP Syariah Jombang in relation to increasing employee productivity. This study uses the literature review method. Based on the results of literature studies, it can be seen that the leadership model at PT. BANK BTN KCP Syariah Jombang implemented is a democratic, charismatic, and transformational leadership model. Leadership plays an important role in employee productivity. This is because the application of a good leadership model will affect the morale, loyalty, work ethic, and company culture. If employees have a high.

Introduction: Response time or speed in treating patients in emergency situations has a crucial role in saving lives. This includes the time required from when a patient experiences an emergency incident until the patient receives an appropriate medical response. In this context, it is important to understand that response times differ for different types of emergency cases. The aim of this research is to determine the relationship between the implementation of the Triage Protocol and Response Time and the Level of Patient Satisfaction in the Emergency Room at PMI Bogor Hospital.This research was quantitative using a correlation method involving 57 patients in the emergency room at PMI Bogor Hospital. To collect data, this study used prepared observation sheets, and statistical analysis was carried out using the Chi Square test. Patient Satisfaction Level effectively. With this approach, it is hoped that this research will provide valid and useful findings in supporting efforts to improve the quality of services at the Emergency Room at PMI Bogor Hospital.The results of chi-square statistical analysis showed that there was no significant relationship between the implementation of the triage protocol and patient satisfaction (p-value = 0.003 < 0.05). On the other hand, there is a significant relationship between the implementation of response time and patient satisfaction (p-value = 0.002 < 0.05). The faster the response time, the higher the level of patient satisfaction, in accordance with previous research findings    

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.