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Islamic banking which continues to grow rapidly at this time has resulted in competition in the banking industry, both between Islamic banking and conventional banking or fellow Islamic banks in obtaining their respective income. Every bank strives to create product innovations to be the best in order to increase the collection of funds originating from the public in the form of savings. The method used in this research is a qualitative method. Qualitative method is research that explains data in the form of written or spoken words from someone whose behavior is observed. PT. Bank Sumut Marelan Raya Sharia Sub-Branch Office is one of the banks that is competing to earn its income by making a Smart iB savings product which is one of the superior savings products at the bank and uses the Mudharabah Mutlaqah principle where the mudharabah contract gives full freedom to mudharib in managing capital provided by shahibul mal. Mudharib can use this capital for investment or business. This Smart iB Savings uses a ratio or profit sharing that will later be mutually agreed upon.

The application of VE in the construction sector is a systematic process by a multidisciplinary team focused on value and function. The adoption of EV in construction projects offers the potential for significant savings on project budgets. Seeing the current economic conditions, in the construction of ongoing works that require a sizable capital allocation, it is necessary to reconsider whether the design used is appropriate or not optimal. Among the many statements regarding the success factors of VE implementation in Indonesian construction, the knowledge and experience of VE of the construction parties is a key success factor as stated by the consultant and provided by the contractor.

This study aims to investigate the Effect of Sharia Financial Literacy on the Decision to Choose BMT Rukun Abadi Saving Products. This case study focuses on members of BMT Rukun Abadi Cooperative, which is a sharia-based financial institution in Indonesia. Islamic financial literacy is an important factor in encouraging the growth and development of the Islamic financial system. The research method used is a quantitative approach by distributing questionnaires to members of the BMT Rukun Abadi Cooperative. This questionnaire was designed to measure the level of Islamic financial literacy of the members as well as evaluate the decision patterns for choosing deposit products at BMT Rukun Abadi. The results showed that Islamic financial literacy has a significant influence on the decision to choose deposit products at BMT Rukun Abadi. Members of BMT Rukun Abadi Cooperative who have a higher level of Islamic financial literacy tend to be better able to understand the characteristics and benefits of Islamic savings products, so they can make more informed and effective decisions. These findings provide important implications for BMT Rukun Abadi in improving Islamic financial literacy services and education to its members. By improving Islamic financial literacy, members will be more engaged and involved in utilizing the Islamic savings products offered by this financial institution, thus supporting the growth and sustainability of the Islamic financial system in Indonesia.

PT Bank Aceh Syariah Kutacane Branch. Companies engaged in finance, in the form of capital, namely the provision of savings and loan capital. The number of employees is 22. In this study, the background to the problem is that the recruitment carried out by PT Bank Aceh Syariah has not fully paid attention to needs, so it is difficult to get professional employees which results in low employee performance. This research is descriptive qualitative, data collection method with field research using methods, direct observation and interviews on research objects to obtain an overview of research subjects. The recruitment system run by the company is not fully appropriate, in accordance with the company's goals, where there are still a number of employees who have educational backgrounds and concentrations, who have not been able to demonstrate and contribute to the company. 11 of 2002, regarding the withdrawal system (recruitment) which must use the media as a medium of information. From these conclusions it can be suggested that the recruitment system for the future must be in accordance with the objectives in accordance with standard operating procedures (SOP) so that it is easy to evaluate and measure employee performance. To see the effectiveness of the company's achievements.

Technology has the potential to be employed within the realm of electronics and informatics, particularly for the purpose of securing household doors using a smartphone through an internet connection. The Internet of Things (IoT) embodies a concept where internet-enabled devices can communicate with each other and their surrounding objects. This endeavor seeks to create a prototype using key components, including NodeMCU Esp8266, Servo Motor, and Fingerprint Module, with the ultimate goal of simplifying daily tasks and alleviating concerns about leaving the door unlocked upon leaving the house. The mechanism of this device entails utilizing a smartphone app to establish an internet connection, enabling users to seamlessly close and lock their house door. The underlying intention behind developing this tool is to provide assistance in managing both indoor and outdoor activities, addressing the issue of inadvertently leaving the door unlocked, and substituting traditional door locks with fingerprint recognition. By employing this innovation, individuals can conveniently regulate their house door via smartphone, saving time and effort and seamlessly integrating it into their daily routines.

A gift is a present made voluntarily by someone to another person without compensation or expecting anything in return except to get closer to Allah SWT, which results in the transfer of ownership from the giver to the person given. Giving gifts is a natural thing in deposits in Islamic financial institutions that use the wadi>`ah yad d}ama>nah contract. Therefore, this study analyzes the giving of prizes to Simjakasya products with prizes at the beginning based on the DSN-MUI Fatwa Number 86/DSN-MUI/XII/2012 concerning Prizes in Fundraising for Islamic Financial Institutions at BMT NU Ngasem, East Java. This research is a type of field research using qualitative methods. The data sources used are ptimer data sources and secondary data sources. Methods of data collection by way of observation, interviews, and documentation. The research location is at BMT NU Ngasem, East Java. The results of this study indicate that the concept of giving gifts in Simjakasya products with early prizes at BMT NU Ngasem, East Java, there are several things that conflict with the DSN-MUI Fatwa Number 86/DSN-MUI/XII/2012 concerning Prizes in Fundraising for Islamic Financial Institutions. These things are the types of gifts that have been determined and promised beforehand, as well as the custom of BMT to use this concept in every transaction which is a form of custom.

Based on the results of a survey conducted by KKN-T MBKM Group 62 students, there were only 10 MSME actors in Sumurmati Village. With the "Sekolah Bina Cerah" program, the aim is to try to instill and develop entrepreneurial spirit in students at SDN Sumurmati I by providing knowledge to students at SDN Sumurmati I in the form of providing material on entrepreneurship, training in managing finances by saving, and providing skills training in making crafts that have selling points. The implementation of the "Sekolah Bina Cerah" program which was carried out at Sumurmati 1 Elementary School was carried out on the 11th, 17th and 25th of May 2023 which targeted students in grades 4 and 6. From this activity an output was obtained where students could understand what entrepreneurship is, how to manage the money they earn to make it even more useful, and practice directly how to make a craft that has a sale value.

This study aims to determine and analyze the effect of financial literacy and parental socialization both simultaneously and partially on the interest in saving at the Bank in students of the Management Study Program of Bina Sarana Informatika University. This research method uses a quantitative approach with multiple linear regression analysis techniques processed using SPSS version 25. The data collection technique is by distributing questionnaires to 100 students as respondents through google forms. The results showed that financial literacy and parental socialization had a significant influence on interest in saving at the Bank. Simultaneously, financial literacy and parental socialization have a positive and significant effect on the interest in saving at the Bank in Management study program students of Bina Sarana Informatika University.

The database or what is commonly referred to as a database is a collection of data that is stored neatly, structured on a computer and is very important in an information system. The database functions as a provider of information for its consumers. The database has many benefits, some of which are facilitating data management, data accuracy, increasing productivity, cost savings, as a material for making better decisions and helping to maintain data security. The purpose of thisresearch is to understand what are thebenefits of databases and how to implement databases for organizations or companies. By knowing the benefits of a database, an organization or company can make good decisions or policies in managing andutilizing their data. The method in this study uses a qualitative method by conducting a survey to find out the benefits of the database at the UIN North Sumatra Library and what facilities are obtained by implementing the database in managingits information system. The results obtained from this study are that the North Sumatra Uin Library utilizes databases in improving services by carrying out several developments such as an online library, an application called OPAC, an application that makes it easy to check library collections and a web called repository which is a collection application. the work of students. Libraries that previously only used the recording method but have switched to using online by utilizing databases.

The database or what is commonly referred to as a database is a collection of data that is stored neatly, structured on a computer and is very important in an information system. The database functions as a provider of information for its consumers. The database has many benefits, some of which are facilitating data management, data accuracy, increasing productivity, cost savings, as a material for making better decisions and helping to maintain data security. The purpose of thisresearch is to understand what are thebenefits of databases and how to implement databases for organizations or companies. By knowing the benefits of a database, an organization or company can make good decisions or policies in managing andutilizing their data. The method in this study uses a qualitative method by conducting a survey to find out the benefits of the database at the UIN North Sumatra Library and what facilities are obtained by implementing the database in managingits information system. The results obtained from this study are that the North Sumatra Uin Library utilizes databases in improving services by carrying out several developments such as an online library, an application called OPAC, an application that makes it easy to check library collections and a web called repository which is a collection application. the work of students. Libraries that previously only used the recording method but have switched to using online by utilizing databases.

Financial institutions appear in the economy when money has become a medium of exchange for buying and selling. Initially, this institution only served as a connecting vessel for buying and selling transactions. Then came the usury system. This study aims to determine whether the influence of student knowledge about usury can affect the intention to save in conventional banks at the State Islamic University of North Sumatra. The researcher uses a qualitative method with a descriptive approach in which the researcher uses field research by interviewing 10 informants, namely students at the State Islamic University of North Sumatra who have savings at conventional bank ATMs and Islamic banks. Because what we know is that students, especially UINSU students, must have learned about usury. However, in reality in the field, almost all student respondents definitely use conventional banks, which means they are indifferent to the law of usury. Therefore, the researchers concluded that students only need to learn more about usury and apply it to everyday life.   Keywords: Financial institutions appear in the economy when money has become a medium of exchange for buying and selling. Initially, this institution only served as a connecting vessel for buying and selling transactions. Then came the usury system. This study aims to determine whether the influence of student knowledge about usury can affect the intention to save in conventional banks at the State Islamic University of North Sumatra. The researcher uses a qualitative method with a descriptive approach in which the researcher uses field research by interviewing 10 informants, namely students at the State Islamic University of North Sumatra who have savings at conventional bank ATMs and Islamic banks. Because what we know is that students, especially UINSU students, must have learned about usury. However, in reality in the field, almost all student respondents definitely use conventional banks, which means they are indifferent to the law of usury. Therefore, the researchers concluded that students only need to learn more about usury and apply it to everyday life.    

This study aims to determine the ecology of literary works in the short story Mematungku di Kaki Bukit Ini by Fina Aryadila. This research was conducted with an ecological literary approach. The method used is descriptive by describing the results obtained in the form of words. The results of the study show that this short story contains natural ecology. Natural ecology deals with human interaction with nature, the attitude of human care for nature and how humans act towards nature. In this short story, there are various human traits towards natural conditions, namely sadness, disappointment, indifference and greed. Fina is the main character who feels disappointed, sad and concerned about the condition of the hill which has begun to be damaged by irresponsible, indifferent, and greedy people. This story tells of a hill that was once beautiful, now damaged and converted into a building that will become a long-term asset for humans who are greedy and do not care about the balance of the ecosystem. This short story also tells how the point of view of the character "Aku", namely Fina Aryadila, witnessed the damage to the hill that occurred, such as burning forests, cutting down trees and the hustle and bustle of animals in the forest in saving themselves and moving places.

The public has not received much literacy about investment properly. Banks that are in contact with the public in relation to the economy should provide this literacy to the public. If the public has good knowledge of investment literacy, the higher the savings and return value obtained from the investment. Investment is a guarantee for the future against accidents, disasters or death. This training activity provides knowledge and an invitation to BRI Purbalingga branch unit leaders to be able to provide counseling and play an active role in inviting the public to invest. The more people care about investment, the greater the potential return of value obtained, and increasing can also be helped by the large amount of funds collected and which can be distributed to other activity units or programs.

Consumerism has become a problem in many communities nowadays, especially among teenagers. Growing a culture of saving from an early stage can solve this problem.  Therefore, socialization with students about the importance of a culture of saving from an early age is essential to shape their behaviour to be more frugal and teach them to manage their finances. The socialization aims to educate students on the importance of saving early on and motivate them to set aside part of their income for savings. The result of the socialization is to grow students' enthusiasm for saving and increase knowledge about saving, such as the definition, the benefits, and the methods; it is highly expected that the seventh-grade students of SMP Negeri 8 Ambon can implement the saving habit in their lives.

The post-reform era became public and government awareness of ethnic Chinese. This is evidenced by President Abdurrahman Wahid's decree to relax ethnic Chinese activities. Because in the Old Order, there was a government policy that was anti-Chinese sentiment. There is even a ban on foreigners to trade in Indonesia, as well as ethnic Chinese who become looting and mob rage, victims of sexual violence and so on. Through this Soe Hok Gie film, it depicts the participation of ethnic Chinese in solving the problem of government authoritarianism and saving Indonesia from the economic crisis. In this studyThis type of research uses library research, with a communication approach that uses media text analysis. The data collection technique in this study uses the semiotic analysis research method of Charles Sanders Peirce. The method uses Sign, Object and Interpretant to explain the content of a film.From the film Soe Hok Gie, this research has found themeaning of Sign, Object and Interpretant of ethnic Chinese political participation in the film Soe Hok Gie based on Charles Sander Peirce's semiotic theory. Finding an analysis of Sign, Object and Interpretant of ethnic Chinese political participation in political developments in Indonesia in the film Soe Hok Gie

This study aims to find out the students of UIN SMH Banten in Islamic Banks. Questionnaires were distributed to 32 FEBI students at UIN SMH Banten, Serang City. The collected data were analyzed using descriptive and inferential statistics.  Based on the data obtained, it is known that the variables of bank reputation and beliefs influence the interest in saving for UIN SMH Banten students in Islamic banks. The purpose of this study is to analyze the interest of FEBI students at UIN SMH Banten in saving at Islamic banks. This research is quantitative descriptive research using primary data. The variables used in this study consist of bank reputation and trust as independent variables and interest in saving students as the dependent variable. The data collection method uses by providing questionnaires. The method used in this research is descriptive analysis.The results of the study show that the difference between men and interest in savings in Islamic banks is significantly different.    

In Indonesia in particular, SCADA has been recognized and started to be implemented in electric power system control since the early 1980s. In other more developed countries, the application of SCADA is growing along with developments in computer and telecommunications technology. At a time when the development of SCADA was not as sophisticated as it is now, there was an idea to make it easier to maneuver, namely in a simple network system using SCADA we can supply additional power or do power outages easily so that the overload does not occur. After implementing the SCADA system there are less time and frequency savings compared to before implementing the SCADA system. This means that the SCADA reliability index is much better after implementing the SCADA system..    

This study aims to pinpoint the variables that affect how people make financial decisions in the future. Future financial decisions, saving choices, and trust in banking institutions are the three variables we use in this study. 197 junior high school teachers from the Bandung region participated in the study. Multivariate Regression is the analytical approach used, and it can be used to assess the influence of independent variables on dependent variables. The results demonstrate a strong positive relationship between current saving decision variables and future financial decision variables. Similar to this, varying levels of trust in financial organisations have a lot of favourable effects. These findings imply that people have a greater propensity to save when they are motivated to do so. People who have confidence in financial institutions will manage their money prudently going forward.    

In the world of banking in Indonesia, Islamic banking is a type of activity based on sharia principles that is free from usury. Unlike conventional banks which use interest in collecting and channeling funds, Islamic banks use financing as a contract. In conventional and Islamic banking there are differences in terms of banking operations. Therefore, this study aims to analyze the effect of knowledge, reference groups, and consumer motivation on customers' reasons for saving at Bank Syariah Indonesia, South Jakarta. The approach used in this research is a quantitative approach. The quantitative approach aims to determine the magnitude of the analyzed variables. The results of the study show that the knowledge variable and the consumer motivation variable do not have a significant influence on a person's decision to save at Bank Syariah Indonesia. Meanwhile, the reference group variable has a significant influence on a person's decision to save at Bank Syariah Indonesia, so that simultaneously high and low knowledge, reference group, and motivation if simultaneously have an influence on customers to save at Bank Syariah Indonesia.

The existence of organizations such as Islamic financial institutions that help improve the welfare of society according to their function, namely saving money and providing loan assistance for business capital and comsumtions. There are various types of LKM, one of which is cooperatives. This study aims to determine the..influence of social factors and./personal factors on people’s decisions to use the services of KSU Surya Muhammadiyah, either partially or simultaneously. This Study used a quantitative method using 50 samples taken by purposive sampling method from the KSU Surya Muhammadiyah customer population. Data collection technique were interviews, observation, questionnaires, and documentations. Then, the questionnaires were tested with validity and reliability tests to ensure the accuracy of the questionnaires. Furthermore, classical asumption tests and hypothesis tests were carried out including multiple,,linearregression tests, the coefficient of determination (R2), t-tes, .and F-test. The results of this study are as.follows: (1) social factors have effect on people’s decitions to use services of KSU Surya Muhammadiyah, with a t .count of 2,254 while .t table of 2,012 or t count < t table..and a significance level of 0,026 > 0,05. (2) personal factors influence people’s decitions to use the services of KSU Surya Muhammadiyah, with a t count of 3,093 while t table is 2,012 or tcount > t table and asignificance level of 0,003 < 0,05. (3) social and personal factors simultaneously influence the community’s decition to use the services of KSU Surya Muhammadiyah. Where the sigvalue is 0,000 < 0,005 and F count is 79,385 > F table 3,20. It can be concluded fromthe test results, namely: (1) H1 is accepted,,and H0 is rejected, (2) H2 is a accepted and H0 isrejected, (3) H3 is accepted and H0 is rejected. If the number of customers decreases, it is necessary topay attention tothese factors anything that can influence customer interest in choosing at KSU Surya Muhammadiyah Pematang Kolim Village