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

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

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

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

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

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

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

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

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

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

In line with the concept of environmentally friendly national development, every commercial and industrial activity must be committed to preserving the environment. This is in accordance with Law no. Regulation Number 32 of 2009 concerning Environmental Protection and Management. Referring to Law No.30 of 2007 concerning Energy, which was then followed up with Government Regulation No.33 of 2023 concerning Energy conservation which requires energy users above TOE to carry out Energy conservation by conducting periodic Energy Audits of Lighting Systems and Air Conditioning Systems . This research conducted an audit of lighting and air conditioning systems by collecting data on lighting intensity, temperature and humidity in each room in the office from 08.00 – 17.00 using a lux meter measuring instrument, then the results were analyzed by referring to the Indonesian National Standards (SNI) regarding lighting and Minister of Energy and Mineral Resources Regulation No. 13 of 2012 concerning Saving on Electricity Use. The use of electrical energy in the office work environment is still not optimal and even though the density value is satisfactory, the lighting level in the office still has rooms that do not meet SNI standards. Apart from that, the use of electrical energy for the air conditioning system is also considered insufficient so several recommendations need to be made

PT XNX is a leading company operating in the food and beverage industry in Indonesia. This company produces based on demand, so the level of employee performance productivity is very important. There are many factors that influence worker productivity, such as experience, knowledge, and age. This research was conducted in the production department for 5 (five) months. The primary data collection method is by making direct observations in the field and using the time and motion study method, a systematic study of work systems with the aim of developing better systems and methods, standardizing systems and standards for determining time standards and selecting operators with a Lean Manufacturing approach, namely waste. or waste to increase labor productivity in the Production department area. The results were obtained in the form of recommendations for improvement, namely by optimizing productivity by means of operator efficiency from initially 6 people to 5 people, where before improvements were made, labor productivity was 53.11% in dissolving soy sauce, after improvements were made, labor productivity was 74.84. %. This has an effect on cost savings of IDR 4,515,133 for 26 working days, each day amounting to IDR 173,548. Therefore, there are 3 shifts in one day, so the total daily income is IDR 520,644 or a cost savings of 16.63%.  

PT KHI is a company operating in the food and beverage industry in Indonesia. In production activities there are many factors that can hinder performance productivity. Worker productivity is a value that cannot be seen directly except through a calculation process, so the worker productivity value is calculated from the company PT KHI. This research was carried out in the Production department using the Time and Motion Study method with a Lean Manufacturing approach, namely waste or extravagance to increase labor productivity in the Production department area. This time it was carried out directly by means of field observation. So that primary data is obtained. The results were obtained in the form of recommendations for improvement, namely: adjusting the total headcount in the line F area from previously 7 headcounts to 6 headcounts and moving several tasks from the carton sealer operator to each operator in the packing area of ​​line F, then classifying them into 3 headcounts for the packing section and 3 headcounts for the packing section. . It can be concluded from the results of this research that one type of waste is eliminated, namely adjusting the number of operators in the packing line F area so that before the improvements, labor productivity is 71.71% on line F and after labor productivity is 83.63%. By making improvements, cost savings of IDR 4,515,133 were obtained for 26 working days.  

The era of globalization demands the ability to read quickly as a crucial skill in facing the rapid growth of information. Speed reading is not just about speed, but also maintaining understanding of the reading content. This journal reviews the concept of speed reading, inhibiting factors, benefits, and strategies for increasing reading speed. The research method used is a qualitative approach with a focus on data collection and analysis. The results show that speed reading involves speed without compromising content understanding. Inhibitory factors involve vocalization, lip movements, head movements, finger pointing, regression, and subvocalization. Strategies to overcome inhibition include reducing physical movements, minimizing vocalizations, and strengthening self-confidence. The goals of speed reading involve efficiency in getting a general impression, finding specific information, and saving time. Increasing reading speed can be achieved through applying methods, focusing on relevant aspects, and avoiding inhibiting habits. This journal presents a comprehensive view to help individuals optimize their speed reading skills.  

This research aims to investigate the relationship between savings and investment theory in the concept of economic growth. Savings and investment theory are two main elements in macroeconomi analysis that play an important role in determining the level of economic growth of a country. This research explores the impact of the interaction between savings and investment levels on economie growth. In both conventional and Islamic economic contexts, savings and investments are importan inancial instruments in managing personal finances, supporting economic growth, and achieving the inancial goals of individuals and society as a whole. However, in Islamic economics, both must comply with Sharia principles to create economic justice and religious obedience. reserves of funds that can be used for future consumption or investment. Meanwhile, in Islamic economics, sharia-based savings must comply with sharia principles which prohibit usury and transactions involving haram elements. The goals of savings in Islam include sharia compliance, financial security, and distribution of wealth to the needy.

In the early days, before the creation of money, economic activities or business transactions were carried out through barter or commonly called barter trade. In the exchange process, goods and services were exchanged directly with other goods and services that were mutually needed by the parties involved. At the macro level itself, the parties involved in the production of goods and services can easily and smoothly exchange goods and services by using money as an intermediary. Meanwhile, the domestic sector that receives income in the form of money uses the money to buy goods and services produced by the commercial and manufacturing sectors. It is the changes in these cash flows that cause changes in prices and/or production quantities, for example. It also affects saving behavior, investment and the business cycle. The method in this study is to use a type of qualitative descriptive research. The purpose of this study is to understand and explore the concept of money in Islamic macroeconomics that does not contradict Islamic law.

The inventory problem that still occurs at PT Indonesia Plafon Semesta is the accumulation of resin and calcium raw materials which results in considerable losses. PT Indofon began to experience a buildup of resin raw materials in August amounting to 16,100Kg and for calcium amounting to 15,200Kg so that each month it soared until its peak in October, namely a buildup of 23,500Kg of resin, and 23,200Kg of calcium. The use of the right method for inventory control problems is Just In Time , which is a management strategy used to optimize the production process and product delivery by buying and producing only when needed and at the right time. Silver Meal Heuristic, a heuristic approach used in inventory control to determine the optimal lot size. The quantity of raw material orders using JIT is relatively more than the silver meal, but with JIT the supplier only needs to send 4-5 times, meaning that the company can save costs. The quantity and frequency obtained from data processing using silver meal is more optimal. However, the cost of raw material inventory incurred is quite large. For a decrease in efficiency costs by implementing a policy of making purchases with Just In Time  (JIT) and is expected to save on raw material inventory costs. So that these cost savings can be allocated by the company to other costs.

The role of cooperatives in supporting the economy is reflected in their contribution to GDP, which experiences a positive trend every year. The potential of each region is different, resulting in a classification of the types of cooperative businesses that exist in order to realize regional growth in accordance with the resources it has. This research uses descriptive research with a quantitative approach using the Location Quotient (LQ) method. The data used is secondary data obtained from the Ministry of Cooperatives and BPS West Java. The results of the Location Qoutient (LQ) method analysis show that two types of business are categorized as potential bases, namely the consumer cooperative and producer cooperative sectors, because they have an LQ value> 1. Meanwhile, the cooperative, service, marketing cooperative and savings and loan cooperative sectors are in a non-base position, because they have an LQ value <1.

Working capital products are one of the products offered and distributed by the State Savings Bank, Medan Sharia Branch Office, which is in great demand by customers because human needs are unlimited. This research uses qualitative research with the data used is secondary data, namely through literature study. The benefit of doing working capital financing at a bank is being able to finance the company's daily expenses or operations. With sufficient working capital, the company will operate economically and efficiently and not experience financial difficulties. The aspects of working capital financing at BTN Syariah are due to interest from customers and factors such as superior service, processing speed, competitive profit sharing ratio, as well as the availability of desired funds, margins, third party funds, and non-financing. performance financing which is an aspect of working capital financing at BTN Syariah KC Medan bank.  

Knowledge of usury and religiosity is one of the influencing factors in making the decision to save at a sharia bank. There are still many students who already know about usury but still use conventional banks instead of using Sharia. This is the background to the research entitled knowledge of riba nasiah and religiosity on students' interest in saving in sharia banks. This research aims to determine the partial and simultaneous influence of knowledge of riba nasiah and religiosity on students' interest in saving in sharia banks. In this study, a descriptive quantitative method was used with 172 respondents with the technique used in sampling was Stratified Random Sampling, which is a sampling technique according to the population size in each strata, where in this study it was divided into 4 strata, namely sharia banking students, FEBI UIN Sutha Jambi semesters V, VII, IX, and XI. The data analysis techniques used in this research are data quality testing, classical assumption testing, hypothesis testing, multiple linear regression analysis, coefficient of determination and effective contribution testing. The results of the research show that: (1) It was found that partially and simultaneously there was a significant influence of the variables knowledge of riba nasiah and religiosity on students' interest in saving in sharia banks. (2) the variables of knowledge of riba nasiah and religiosity have a positive effect (move in the same direction) on students' interest in saving in sharia banks (3) the result of the Adjust R2 coefficient value is 0.492. This illustrates that the contribution of the variables of knowledge of riba nasiah and religiosity is 49.2% and the remaining 50.8% is influenced by other variables outside this research. And in terms of effective contribution, it shows that the variable knowledge of riba nasiah and religiosity contributed 49.7%. The variable with the most influence in this research is the variable knowledge of riba nasiah, which is 25.1%. From the results of this research, researchers see and realize that there are still many sharia banking study program students who use conventional banks. In fact, there are still those who don't understand about usury and religiosity even though they have studied this during lectures. Students' ignorance about usury and religiosity could be one of the factors that influence them in choosing which bank to use for savings or transactions.