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Small and Medium Enterprises (SMEs) play a crucial role in a country's economic growth. Therefore, lending to SMEs is an important element in supporting this sector. This study aims to evaluate bank performance in lending to SMEs, with a focus on efficiency, security and economic impact. This research methodology involves analyzing historical data from a number of banks that are active in supporting SMEs. Data includes the volume of credit disbursed, the interest rate applied, the credit approval process, and the non-performing loan ratio. Apart from that, the economic impact of credit provided to SMEs is also evaluated through business growth, job creation, and contribution to local GDP. The research results show variations in bank performance in lending to SMEs. Certain banks achieve high levels of efficiency in the credit approval and monitoring process, while others may face challenges in managing credit risk. The economic impact of credit to SMEs is positive, with significant business growth and job creation having a positive impact on the local economy.  

: This article introduces a community service conducted by the PkM ITERA team in Hanau Berak Village, Pesawaran Regency, Lampung. Nutmeg, being a primary agricultural commodity in this region, reveals an underutilized surplus of nutmeg flesh, leading to organic waste accumulation. In response to the urgent need for minimizing organic waste and elevating the economic viability of nutmeg fruit flesh, this endeavor is driven by the realization that this waste represents an overlooked potential. Nutmeg flesh possesses intrinsic qualities, notably a rich concentration of antioxidants known for their role in promoting skin health, stabilizing cardiac rhythms, mitigating insomnia, alleviating angina, enhancing digestive processes, improving blood circulation, increasing appetite, and fortifying the immune system. The proposed solution involves the creation of nutmeg-flavored tea, intended to mitigate the issue of excess nutmeg fruit waste while simultaneously augmenting the economic worth of the produced merchandise. Thus, this initiative materializes as a strategy to optimize nutmeg fruit utilization, curtail waste generation, and amplify its market value. The Community Partnership Program administered by the ITERA team serves as a conduit for the enrichment of knowledge, insights, and competencies among local nutmeg farmers, empowering them to generate high-value commodities from an underexploited resource. The scope of activities encompasses the entire production process, extending to packaging design.  

The purpose of making this final work is to create a work of art of batik painting and embroidery whose idea comes from the life of honey bees that can be exemplified by humans in everyday life. The method of creation in this final work is carried out in stages, starting from the preparatory stage of observing phenomena that occur directly, then elaboration (the stage of exploring), the synthesis stage (the creation of ideas), then the realization of the concept of preparing maps, materials, tools, and the process of working on the work. Finally, the completion or finishing stage of the work. All works use the methods of written batik and embroidery. Each work has a different size, based on the theme of nature conservation with the idea of honey bee life in everyday life with the titles, "Queen Bee", "Fight for Throne", "Metamorphosis", "Building a Hive", "Communication", "Sucking Sari", "Sharing", "Hard Work", "Not Destructive", "Threatened".

One application that can be used to help teachers evaluate student learning is Quizizz. The partners involved in this service program are teachers at the Imelda Medan Tourism Vocational School whose knowledge about the use of Information Technology in providing learning evaluations to students is inadequate. This activity is located at the Imelda Medan Tourism Vocational School, East Medan sub-district, Medan City. This activity applies an in-house training method by providing information technology literacy training to support learning assessments to increase teachers' knowledge and skills regarding the creation, use and optimization of the use of Quizizz as a learning evaluation. This knowledge can be used in the learning process to make it more interesting and combined with conventional learning techniques. During the training, the service team provided materials and tutorials on using Quizizz. The results obtained from this activity were an increase in the skills and knowledge of teachers at Imelda Medan Tourism Vocational School regarding the use of information technology (Quizziz) in making learning assessments in support of the Merdeka Belajar program.

Internship is one component of the learning process in the Bachelor of Public Administration (S1) Study Programme of FISIP UNTAG Surabaya. With the development of MBKM- Merdeka Learning Independent Campus, one of which is MSIB Internships and Certified Independent Study is one of the Independent Campus programmes designed to ensure students get the main, best, and most up-to-date skills and competencies to face the world of the future. The Population and Civil Registration Office of Surabaya City is the place for internship implementation. This programme covers many programmes in population administration and civil registration. Students have the opportunity to choose and seek experience that suits their major on their campus. The researcher will discuss the Kalimasada programme (Kawasan Lingkungan Masyarakat Sadar Administrasi Kependudukan) in this MBKM Dispendukcapil Surabaya internship programme. Kalimasada is one of the Surabaya City Dispendukcapil's programmes to pioneer the creation of an orderly environment/village for civil registration by increasing the number of people who are aware of civil registration. The Population Administration Aware Community Neighbourhood Area (Kalimasada) program is designed to help Surabaya residents get more organised and effective population administration services. Klampid New Generation (KNG) is a platform site where people can access services such as birth certificates, moving in, moving out, and death certificates.

Human Resources is a very important one. Apart from affecting safety, it can also affect work discipline on employee performance. This research uses quantitative research methods, and the sample used was 35 people with a saturated sampling technique. The influence of work safety on employee performance is 0.161 > 0.05 and the calculated t value is -1.433 < 1.69389. It can be concluded that the work safety variable partially has no influence on the employee performance variable. The Influence of Work Discipline on Employee Performance. Based on the results of data processing that has been obtained, it is known that the sign value is 0.000 < 0.05 and the calculated t value is 4.557 > 1.69389. It can be concluded that the Work Discipline variable partially has a significant influence on the Employee Performance variable. The Influence of Work Safety and Work Discipline on Employee Performance. Based on the results of data processing obtained by X1 and so it can be concluded that there is a significant influence between work discipline on employee performance at CV. Jakarta Natural Creation Core.    

In several countries that are classified as developed, the role of the industrial sector is more dominant than other sectors, the industrial sector plays a key role as an engine of economic development. The strategic role of the industrial sector as an engine of economic development is not without reason, because the industrial sector will have derivative impacts, namely increasing the value of capital capitalization, the ability to absorb a large workforce, and the ability to create added value (value added creation) from every input or basic material. which is processed.  

This study aims to design and develop a school website using Google Sites as an effective medium of information and communication for both the school community and the public. The website development process was carried out through several stages, including needs analysis, content design, page creation, integration of supporting features, and functional evaluation. Google Sites was selected due to its ease of use, design flexibility, and its ability to integrate with various Google services such as Drive, Calendar, and Forms. The results of the development show that the resulting website is capable of providing structured school information, including the school profile, activity programs, administrative services, as well as news and announcement publications. In addition, communication features such as online forms and integrated school contact information enhance accessibility and interaction between the school and users. Based on limited trials, the website was considered feasible and easy to use as an information and communication medium that supports transparency, openness, and effective dissemination of information within the school environment.

The purpose of this final project is to create digital paintings with ideas sourced from the Tingkuluak of Payakumbuh. Tingkuluak is a head ornamentation worn on wrapped cloth, typically by Minangkabau women. The existence of Tingkuluak is fading, and its significance is largely unknown. Limited information is available regarding its use, meaning, and philosophical explanations. Hence, this final project aims to present the Tingkuluak cultural heritage through digital paintings, with the main subject being the Tingkuluak itself. The creation method involves five stages: preparation, which includes observation; followed by in-depth analysis, referred to as elaboration; then the synthetic stage involving idea formulation and concept realization. The author utilized the Ibis Paint X application accessed through a tablet device for the creation process. The author produced 10 digital artworks with the following titles: "Uni Bakompong Koto Nan Ampek," "Uni Bakompong Koto Nan Gadang," "Mintuo Nan Alah Baminantu Jo nan Bukan," "Manjapuik Minantu," "Jan Digaduah," "Bundo nan Taat," "Gadih Ikek," "Duo Koto," and "Bundo Si Anak Daro."

Leadership is one description of an institution as a process of influencing other people in a certain scope to work together in a productive way and in pleasant conditions. (Tappen, 1995 in Sitorus and Panjaitan, 2011). As a leader you should be able to create an atmosphere work that creates a new and innovative atmosphere for its staff in achieving goals to be better and obtain higher results than before. It is described that an effective leader is considered to be a person who can read situations and conditions and is able to overcome problems with responsibility and integrity and has good ethics (Muninjaya, 2004). Innovative work behavior is the creation, introduction and implementation of new ideas or ideas in work, either as a group or organization in an effort to improve performance in an organization (Jansen, 2000). As explained above, assistance is needed for business actors or employees who are willing to become respondents to take part in Democratic Leadership Training carried out by researchers. The output target achieved from this research is the production of scientific publications in national journals with ISSN.

Technopreneurship is the process and creation of new businesses using technology as a basis with the hope that the creation of appropriate strategies and innovations will be able to place technology as a factor in the country's economic development. Technopreneurship is a part of entrepreneurship which involves sending a product using high technology in an innovative way to consumers to earn income from product sales/delivery. The aim of this research is to find out whether Technopreneurship has an influence on Gen-Z Income and whether Religiosity is able to moderate Technopreneurship on Gen-Z Income. The data collection method in this research is literature study and questionnaires. The research population was FEBI UIN-SU students. Sampling in this study was carried out using proportionate stratified random sampling technique. This research uses SPSS as the test. Data analysis used is validity test and reliability test, classic assumption test, hypothesis test, and moderated regression analysis (MRA). The results of the study show that Technopreneurship has an influence on Community Income, especially Gen-Z FEBI UIN-SU. Religiosity as a moderating variable is able to moderate Technopreneurship on the Income of Gen-Z FEBI UIN-SU or Religiosity is able to strengthen Technopreneurship on the Income of Gen-Z FEBI UIN-SU.

Social integration is a unitary condition of living together from various socio-cultural system units, ethnic groups and communities to interact and work together. Social integration as a reflection of the quality of this relationship, if applied to business actors, will increase the value chain for their business. So that the purpose of implementing this program is to create superior milkfish products through the creation of "Social Integration Empowerment" for business groups in Semarang City through the establishment of "Semarang Milkfish Industrial Community". So it is hoped that it can develop synergy between entrepreneurs and community support for the creation of superior products in the region. The program implementation method begins with an integration process to form the Semarang Milkfish Industry community. Then analyze the problems being faced by the community through action research. The next step is to organize meetings which will be followed by building a common understanding, so that the problems that will be handled can be ascertained. Based on these problems, the team and the community will test the action/work program that will be carried out together. After the mutually agreed work program is implemented, the next stage is evaluation and reflection.

This journal discusses the creation of a Flutter-based attendance application that aims to increase efficiency in monitoring attendance on campus. The presence of students in each lecture session has an important role in the learning process and academic management. However, traditional attendance systems are often prone to errors, difficult to track data, and less efficient in gathering information. In this study, the authors designed and developed an attendance application using the Flutter framework, which allows applications to run cross-platform (multi- platform). This application is designed to make it easier for students and lecturers in the process of recording attendance with features such as using QR codes, face identification, or manual options. In addition, this application is also equipped with an administrative dashboard for lecturers and staff to monitor student attendance in real- time. The development method includes designing an intuitive and responsive user interface, implementing a data security system, and integrating with the campus database system. The results of application testing show increased efficiency in attendance monitoring, reduction of recording errors, and easy access to digital attendance data. It is hoped that this application can make a positive contribution in managing attendance on campus and encourage the application of modern technology in the academic process.

This journal discusses the development of a financial note-taking application using Flutter, a development framework that is well known in the creation of cross-platform applications. The purpose of this application is to provide support for users in recording and managing their personal finances in an easy, efficient, and interactive way. This article outlines the steps taken in the development of the application, starting from analyzing user needs to implementing and testing the application. Various important features are also described, such as the ability to record income and expenses, monitor budgets, create transaction categories, and generate financial reports.In addition, the journal also discusses the attractive and responsive user interface generated by Flutter. This framework allows developers to create attractive and responsive interfaces by using widgets and animations provided by Flutter.In the performance evaluation section, the article covers testing the application to measure its performance and responsiveness. The user experience is also evaluated through user studies and feedback collection to ensure that the app meets the user's expectations and needs. In the overall article, the author outlines the benefits and advantages of using Flutter in the development of a financial record app. It is hoped that this application can provide an effective solution for users in organizing and managing their personal finances. Through this journal, readers will gain insight into the process of developing a financial note-taking application using Flutter, as well as a better understanding of the potential and benefits of using Flutter in the development of engaging and responsive cross-platform applications.

KKN or Kuliah Kerja Nyata is mandatory program held by college. KKN Kolaboratif is program organized by the Jember Regency government with 18 college. The work program carried out by KKN Kolaboratif 236 is based on the problems that exist in the Tegalgede, such as the low level of public awareness in managing inorganic waste, the high level of use of inorganic waste, and the lack of digital UMKM marketing. That program aims to make the public aware of the separation of inorganic waste so that it can be recycled again and to help introduce and market UMKM products for Tegalgede digitally. The activities waste sorting competition also invited WCDI (World Clean Up Day Indonesia) and BSI (Bank Sampah Induk) to discuss determining the category of inorganic waste to be contested and related to the process of evaluating and transporting the results of the competition. The results were 14 RTs took part in the competition. Another  program, the creation of e-catalog in collaboration with 20 UMKM in Tegalgede to enter their data into the catalog. The implication of this community service activity is that it can help residents to understand more about inorganic waste and make easier to access UMKM.  

This study aims to analyze the communication of marine mammals, especially whales and dolphins, through a bioacoustic approach combined with computational science as an effort to support conservation in the Tropical Ocean region. The focus of the location is on the Banda Sea, the Seram Sea, and the tropical Pacific region which are important migration routes for marine mammals. Data were obtained from underwater sound recordings using hydrophones, accompanied by visual observations to validate the behavior and existence of species. The analysis is carried out through several stages, including signal pre-processing with noise filtering and sound segmentation, spectral analysis using Fast Fourier Transform (FFT), as well as the creation of a spectrogram to visualize vocalization patterns. Machine learning algorithms such as Support Vector Machine (SVM) are used to classify interspecies voices, while deep learning approaches are applied to identify more complex communication patterns, including dialect variations. The results showed that whales produced low-frequency vocalizations (20–200 Hz) for long-distance communication, while dolphins used high-frequency clicks and whistles (5–20 kHz) for echolocation and social interaction. The integration of bioacoustics and artificial intelligence improves the accuracy of sound classification by more than 90%. These findings confirm the effectiveness of computational-based non-invasive methods in monitoring the presence and behavior of marine mammals and provide a scientific basis for sustainable conservation.

The internet has been a highly influential phenomenon in recent times, impacting technological advancements and various fields of knowledge. Internet development also directly affects the growth of websites. Initially, websites were not very popular due to limited services. However, they are now widely used and offer various services, such as news portals, email providers, and social media platforms. The use of computerized systems becomes more convenient when integrated with information systems based on websites, offering a user-friendly interface for data input and accuracy. In the current internet era, websites are essential for both government and private institutions, providing information to the public without constraints of distance and time. The Sukalaba Village Government Office, located in the Gunungsari subdistrict, is a government institution that serves the community. However, it faces challenges in its services, primarily related to the lack of easy access for the public to obtain information. This research aims to systematically and structurally develop the Sukalaba Village Government Service website. The process involves needs analysis, planning, content development, website design, implementation and testing, training, and launching. Through this approach, it is expected that the website will enhance service quality and increase transparency of information for the community. The website is expected to be an effective platform for the public to access essential information about their village and participate in its development. The creation of the Sukalaba Village Government Service website has successfully improved service quality and information availability for the community. The interactive and responsive design ensures easy access to information through various devices. With the website's launch, the community now enjoys fast and convenient access to relevant village-related information, encouraging greater transparency and community participation in the development process. In conclusion, the development of the Sukalaba Village Government Service website has significantly improved service quality and information transparency for the community, benefiting both the village government and its residents.

This study aims to analyze how customer orientation, value creation capabilities and marketing performance affect coffee shops in Padang city. This research was conducted on 90 coffee shop business actors in Padang city with quantitative research methods. The data of this study were analyzed by using PLS 4, the data processed in this study to examine the relationship between customer orientation, value creation capabilities on marketing performance. This study produces answers that all hypotheses are proposed and shows that customer orientation has a significant positive effect on the performance of coffee shops in the city of Padang. Customer orientation has a positive and significant influence on value creation capabilities. Value creation capability has a positive and significant influence on the marketing performance of coffee shops in Padang city. Customer orientation has a positive and significant effect on the marketing performance of coffee shops in Padang city through value creation capability as a mediating variable.

Kuda Lumping is a dance art in which in the performance process there are several things which are symbolized by mystical things, namely the ritual of burning incense, offerings of offerings and attractions of trance. The purpose of this study is to find out how the symbol of the Kuda Lumping art is for the people in Gunung Lengkuas Village. In this study the theory used by researchers is the Symbolic Interactionist theory. The method used in this study uses a descriptive-qualitative method which examines the artistic symbols of the Kuda Lumping for the people in Gunung Lengkuas Village. by using purposive sampling technique. Based on the results of the study, the researcher found that with the process contained in the Kuda Lumping performance where the community symbolizes that the things contained in the Kuda Lumping performance process are offering sesajen, burning kemenyan and the attraction of kesurupan is symbolized as mystical, thus an assumption or the meaning in society regarding the Lumping Horse is different which of course this is closely related to symbolic interactionism, where individuals or society in interpreting or assuming something based on creation through an interaction process which then chooses, evaluates, thinks, classifies and transforms the meaning of an object. So that in interpreting the art of Kuda Lumping it goes through an interaction process which then the individual concludes. In the community of the Gunung Lengkuas sub-district, 2 different meanings have been created regarding the Lumping Horse, namely the first, the Lumping Horse as entertainment and the Lumping Horse as a Mystical performance.

Batik is one of the creations of the Indonesian nation which has an aesthetic value that needs to be preserved and developed. The neuron batik design visualizes the beautiful and complex shapes and structures of neurons combined with floral motifs. Batik design inspiration can be found through anything. In creating this neuron batik design, inspiration was obtained during the learning process. In the science of physiotherapy, neurons are important structures that are studied and interrelated. The research was carried out using the method of literature study and exploration. The manufacturing process begins with making an initial sketch using a sketchbook and drawing pen which is done manually then developed and transferred to digital media with Corel Draw. The final stage of making this design is giving the base color and pattern color to be used. The motive elements contained in this Neuron batik have meaning and value in life, which is hoped that later people will be able to remember and practice through this batik.