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This research study aims to determine the effect of financialknowledge and financialattitude on financialbehavior through the mediation of locusof control instudents the city ofBengkulu. Thepopulation study were students in thecity ofBengkulu. From calculations using theformula where[21], theindicator is 24 x 10, thesample size for thisstudy was determined to be 240 respondents. Determination of thesample using non-probability samplingtechnique with purposive samplingtechnique, by determining the criteria of therespondent. Theresearch approach used is quantitativeresearch. The type of data used in this study is primary data, namely research dataobtained directly from originalsources (respondents). The research data was processed using thesmartPLS 3.0 analysis tool. The results of thisstudy indicate that financialknowledge can influence financialbehavior directly and cannotinfluence it indirectly or through locus ofcontrol mediation. FinancialAttitude Variable can influenceFinancial Behaviordirectly and can also influence indirectly through Locus OfControl. Lastly, the variables of financialknowledge and financial attitudes have influence on the financialbehavior variable. FinancialKnowledge and FinancialAttitude Variables can affect the LocusOf Control variable. Finally, the Locus OfControl variable can have a significant effect on the FinancialBehavior Variables.

This study aims to increase savings intentions, especially for people who work as traders in the market by using a strategy, namely a pick-up strategy. The method used in this research is a qualitative method with an exploratory descriptive approach. .The results of the research show that the financial management of traders in the Gemblegan market is still relatively poor, so in this case banking agencies take a role so that people's needs can be met, namely by implementing a pick up strategy. Based on the results of interviews conducted with three traders, they stated that by implementing this strategy they felt their desire to save was getting higher and their needs were also helped by the results of implementing the pick up strategy.  

This research aims to determine the effect of online transportation on labor absorption in Kupang City. This research was conducted on online application drivers in Kupang City, namely Grab, Maxim and InDrive. The number of samples studied was 32 respondents. This research uses a quantitative research approach. The sampling technique for this research uses a non-probability technique, namely the incidental sampling technique. Data analysis used in quantitative methods is validity testing, reliability testing, simple linear regression, and hypothesis testing using the Statistical Package for Social Science 26.0 for Windows (SPSS 26) tool. The test results show that the online transportation variable has an effect on labor absorption. Other findings show that online transportation simultaneously influences labor absorption with a coefficient of determination of 68.6%.

North Sumatra Regional Main Unit Baitul Mal Foundation, which is part of a State-Owned Enterprise, Collects zakat funds collected from the income of PLN employees. This research aims to investigate the process of collecting and distributing zakat carried out by the North Sumatra Regional Main Unit State Electricity Company Baitul Maal Foundation. This research uses a qualitative approach with a case study design, data is collected through observation, interviews and documentation. The North Sumatra Regional Main Unit Baitul Mal Foundation is the object and source of research data. The research results show that zakat funds are obtained from employee salaries and processed by the amil before being distributed to mustahik in the form of vouchers.  

This research aims to reconcile the Deli Serdang Regency Regional Revenue and Expenditure Budget Realization Report (APBD). This research uses descriptive research methods and a qualitative approach, examining the potential for solving contemporary problems using data collection, categorization and analysis methodologies. A qualitative approach to describe ongoing phenomena or determine the characteristics of data in the research period, with the aim of answering the main research questions. The results of the research, namely those affecting the APBN for the 2019–2022 Fiscal Year, show that the Deli Serdang Regency Government shows inefficiency in managing state revenues as evidenced by an efficiency ratio of only 80.86 percent. Deli Serdang Regency experienced a significant increase in revenue in the 2019–2022 budget year, in line with the regional government's success in maintaining or exceeding the revenue target from the previous budget year.  

This research aims to determine the planning and succession process in the Medali Mas ikat weaving family business. The research approach used is qualitative descriptive. The types of data used are primary and secondary data. Data collection techniques are carried out by observation, interviews, documentation. The research results show that the succession process was carried out with careful planning. Children as potential replacements are guided by their parents from childhood to be ready to continue the family business. Apart from that, children are required to go to college to increase their knowledge for managing the family business.

This research aims to analyze the role of financial technology in increasing the efficiency of the money supply in Indonesian. This research uses a qualitative approach by explaining to readers the role of technology in the amount of money in circulation, and by collecting data, comparisons, and the influence of financial technology in increasing the amount of money in circulation from a global perspective from literature and other sources that support and are related to our research.    

Religious tourism is one of the tours that is closely related to religion, history, customs, and beliefs of an individual or group. The existence of religious tourism in the midst of society has an economic and social impact on the surrounding community. The purpose of this study is to analyze the social economic impact on local communities with the existence of religious tourism Sapuro Tomb in West Pekalongan City. This research uses field research with a qualitative approach. The main data sources in this study are local communities and pilgrims. The results showed that there are economic and social impacts on local communities. The economic impact is felt by business people who are around Makan Sapuro, who get a large income every day because it is not uncommon for pilgrims to come from outside the city. The existing social impact is in the form of interaction of local people who work together if a religious event is held besides that there is interaction between the surrounding community with pilgrims or visiting worshipers.

This research is motivated by the role of the Sharia Investment Gallery (GIS) as a student laboratory for learning about investment. Based on the data, the number of investors in the Islamic Investment Gallery from the inception of GIS from 2016 to 2021 is unstable every year and is still relatively low. Even though the FEBI Faculty has good potential in attracting investors because there are so many enthusiasts in the FEBI departments. Low interest and motivation in investing in Indonesia is due to low knowledge and understanding of the capital market. GIS is expected to help foster student interest in investing in the Islamic capital market. The purpose of this study was to determine the role of Gis, both the constraints and solutions faced by Gis in fostering students' interest in investing in the capital market. This research approach uses descriptive method with a descriptive qualitative approach, namely research that seeks to describe a symptom, event, event that is happening now. The method used in this research is to collect data through interviews, observation, surveys, and documentation. The results of the study show the role of Islamic investment galleries (GIS) in fostering student interest in investing in the capital market by carrying out 4 roles, namely first, socialization as an introduction to the world of investment to students and inviting students to invest, second education, namely providing investment knowledge to students, third motivation, namely motivating students by giving examples of people who are successful in investing, the four integrity, namely the management of GiS applies a commitment attitude among the board, consistently carrying out their duties, being responsible, honest and courageous in conveying educational and motivational socialization to students. The internal constraints for Gis are the difficulty of coordinating administrators to be active in activities and the external constraints are the difficulty in getting students to participate in Gis activities and the lack of awareness of students to invest. The internal solution is to always hold monthly meetings to strengthen relationships between administrators and trigger back responsibilities as GIS administrators and the GIS Management also utilizes social media as a promotional medium so that it can be even wider to convey socialization and education to students. Meanwhile, for external solutions, GIS requests lecturer assistance to direct students to participate in all activities held by GIS. As for these 4 roles, the role most expected by FEBI students is the role of motivation. With good motivation given it can trigger students’ interest in investing.

Islamic business ethics can be explained as an understanding of principles that govern and manage businesses by considering norms and morality in line with Islamic values. In Islam, business ethics encompasses conduct in the business world that integrates the values and teachings found in the Qur'an and Hadith into a unified business practice. Buying and selling involve a process where the exchange of goods adheres to values, involving both sellers and buyers who comply with Islamic Sharia principles. The aim of this research is to evaluate the implementation of Islamic business ethics in buying and selling transactions at Pasar Pagi 28 Desa Purwoasri, North Metro District, Metro City. This study is a field research involving direct observation of traders in the market. A qualitative approach is used to descriptively analyze the business ethics behavior applied by traders at Pasar Pagi 28 Purwoasri North Metro, Metro City. The results of this research indicate that in buying and selling transactions in the traditional market of 28 Purwoasri, the five principles of Islamic business ethics, namely Tawhid, Balance/Justice, Accountability, Free will, and Excellence, have been implemented.  

Until now, there are still many who are afraid to start a business, including online business, so a real manifestation of a successful businessman has high self-efficacy/ability in starting a business. Apart from having the ability, a businessman must also be able to understand marketing planning and strategy. well in developing a business so that the business succeeds as expected, therefore the purpose of this research is to find out: 1) How is the self-efficacy of entrepreneurs in online business for FEBI students, 2) What is the strategy for developing entrepreneurship in online business for FEBI students, 3) What are the obstacles faced in developing entrepreneurs in the online business of FEBI students. This type of research is qualitative with a descriptive approach, and the methods used in data collection are observation, interviews and documentation. The subjects in this study were students who had been running their online business for more than 3 years. The number of subjects in this study were 10 people. The results of this study note that FEBI students have high self-efficacy in online business or entrepreneurship, students are confident in their abilities and have expectations for their abilities in doing business online, in building confidence students obtain from several sources, namely personal experience, other people's experiences, verbal persuasion and emotional state. In the student business development strategy it is still not running well and efficiently, and there are obstacles to student businesses such as suppliers, competitors, capital and customers.

This research is entitled Application of the Family Hope Program and Dilemmas for Poverty Alleviation in Teluk Nilau Village. The research method used by researchers is a qualitative approach. The results of this study were: (1) the mechanism for implementing the PKH program in Teluk Nilau subdistrict was carried out in several stages, namely, regional selection and selection of PKH participants, initial meeting and validation of prospective PKH participants, verification of eligibility, data updating and initial disbursement of funds. PKH in Teluk Nilau Village is aimed at improving the health quality of children under five, pregnant women and the elderly. For the education level of elementary, middle and high school children, the distribution of PKH funds is carried out once a month in 4 stages, namely in January, April, September and December through banks (BNI, BRI and Bank Mandiri). (2) The PKH program in Teluk Nilau sub-district plays an important role in increasing community economic poverty alleviation or KPM PKH including: First, reducing the poverty rate, from the data on the number of PKH beneficiaries from the data the number of recipients is 251 down to 224 in 2021. Second, in the field of education with the PKH program assistance is able to provide an increase in the level of education. Third, in the health sector, the existence of PKH program assistance is able to play a role in increasing poverty alleviation towards improving the level of public health. (3) Regarding the obstacles that were often faced before, it was often the case that recipient cards for the Family Hope program were blocked, but for now this obstacle has almost never happened. Again, this is because the PKH beneficiaries themselves collect the assistance at the post office or bank that has been determined. So for the constraints of the family program, hope has more or less been able to top it.

This research aims to determine the role of Micro, Small and Medium Enterprises (MSMEs) in driving development and improving the welfare of the people of Deli Serdang Regency. This research uses qualitative and quantitative approaches to evaluate the contribution of MSMEs to local economic growth and improving people’s living standards. The research results show that MSMEs not only act as drivers of the local economy, but also as significant empowerment agents for small business actors in the region. Through their contribution to the local economic sector, MSMEs not only create jobs, but also increase people’s income. By focusing on developing local products and empowering small businesses, MSMEs play a key role in strengthening the regional economic ecosystem.

This research aims to knowing the effect of Independency, Organizatinal commitment  and role ambiguity on Performance of Auditor in Public Accounting Firm, Padang City. This study uses a quantitative approach. The data collected from the study were based on interviews and questionnaire distribution with sampling technique is simple random sampling. Data analysis techniques in research. This is a linear multiple regression analysis with the help of computer SPSS program. Results this study can conclude that role ambiguity has a negatice effect on the performance of auditor,lndependency has a positive effect on the performance of auditor, and organizational commitment has no effect on performance of auditor  in Public Accounting Firm, Padang City

The purpose of the written research is to find out the effect of capital intensity, risk of lawsuits, and management ownership on accounting conservatism in chemical and basic manufacturing companies listed on the Indonesia Stock Exchange in 2019–2021. The written research sample consists of 96 annual reports and is based on quantitative data with sampling criteria using a research approach involving 32 basic and chemical manufacturing companies listed on the Indonesia Stock Exchange in 2019–2021. Written research covers basic chemical and industrial manufacturing businesses listed on the Indonesia Stock Exchange from 2019 to 2021. Descriptive statistical analysis, classical assumption tests (normality test, multicorrelation test, autocorrelation test, and heteroscedasticity test), multiple linear regression analysis, F test, analysis of the coefficient of determination (R2), and hypothesis testing (t), namely analysis techniques in written research. These techniques are used in conjunction with IBM SPSS Statistics Version 21 software. Conservatism in accounting is a preventative approach to future corporate financial reporting. It takes a lot of fixed assets for a business to generate sales, and that requires capital. Inaccuracies in financial reporting that harm creditors and investors are considered a source of risk of lawsuits. The number of shares owned by the manager represents managerial ownership. Therefore, the results regarding capital intensity, risk of lawsuits, and managerial ownership of accounting conservatism have little effect.    

This research is entitled The Role of Cash Waqf in the Economic Development of the Darul Hijrah Islamic Boarding School on the Rengas River, Batanghari Regency. The aims of this study are: 1) To find out how cash waqf is managed at the Darul Hijrah Islamic Boarding School. 2) To find out the role of cash waqf in the economic development of the Darul Hijrah Islamic Boarding School. The research method used by researchers is a qualitative approach. The results of this study are: 1) In the process of managing waqf funds at the Darul Hijrah Islamic Boarding School, the fund management function starts from planning to realization. These stages are applied in every waqf fundraising process, the business preparation process, the placement of workers to the allocation of operating proceeds. In the implementation of waqf fund planning at the Darul Hijrah Islamic Boarding School, including: Planning for types of business, Planning for waqf sources, Planning for managing the business needed, and Planning for income to be obtained and where to distribute it. The source of cash waqf funds at the Darul Hijrah Islamic Boarding School comes from the waqf of the local government, parents of students and the general public. While the types of Islamic boarding school economic businesses funded by waqf funds are oil palm plantations, canteen businesses and buffalo livestock. 2) The forms of waqf in the Darul Hijrah Islamic Boarding School are in the form of cash waqf, immovable waqf. Waqf of immovable objects in the form of palm oil fields and buffalo livestock. In addition, the waqf received is also in the form of cash and other objects such as building materials, food ingredients and Al-Quran manuscripts. This form of waqf is used for, 1) Development of Islamic boarding schools, 2) Consumption of students, 3) Learning facilities and infrastructure, 4) Honorarium of teachers and 5) Economic activities of Islamic boarding schools. 3) The existence of waqf funds at the Darul Hijrah Islamic Boarding School plays a very important role for the economy of the pesantren residents at the Darul Hijrah Islamic Boarding School in 3 ways, namely, firstly creating jobs for the students and for the pesantren's teachers, secondly increasing income for the students, teachers and the pesantren itself to meet daily needs and help meet the needs of Islamic boarding schools, thirdly increasing business capabilities for Islamic boarding school students and teachers in terms of sales, business and business management. As a result, the role of the waqf is able to increase the economic independence of the Darul Hijrah Islamic Boarding School in the income of students and teachers, honorariums for teachers, and consumption as well as the development of Islamic boarding schools.

This research aims to analyze the problems and development of sharia banking in Indonesia in the context of globalization. Sharia banking in Indonesia has experienced significant development during the era of globalization. Globalization is a process of international integration that occurs due to the exchange of world views, products, thoughts and other cultural aspects. The progress of transportation and telecommunications infrastructure, including the emergence of the telegraph and the Internet, is a major factor in globalization which increasingly encourages interdependence of economic and cultural activities. The era of globalization has brought changes to the world economic order and presented challenges and opportunities for sharia banking. However, with the development of sharia banking, various problems and challenges have arisen that need to be overcome, the central problem is the lack of socialization and education to the community, as well as competition with conventional institutions which is also a challenge for sharia banking in Indonesia. The analysis method used by the author is a qualitative approach. The results of the research in this journal are the innovation of Islamic banking products, developing digital banking and increasing human resources as a strategy for the development of Islamic banking in Indonesia in the era of globalisation.    

This research aims to determine the factors that influence the interest of KH.Abdul Chalim Islamic Boarding School students' interest in investing in the Sharia Capital Market through the Digital Investment Platform. This research is a type of qualitative research with a case study approach. This research uses primary data obtained from observations and interviews and tertiary data obtained from the student affairs bureau. The data collection techniques used are observation, interviews and documentation. The data analysis technique used is data triangulation.The results of this research are: Factors that influence student interest at the KH Islamic Boarding School. Abdul Chalim's desire to invest in the Sharia Capital Market through the Digital Investment Platform comes from internal factors including interest, desire and belief. Interest that comes from within the individual, such as applying theories learned in college, being inspired by Korean drama films and role models. Desire to hope for something that interests you, such as wanting to gain profits from investment results. Belief is an individual's belief in something that has qualities and benefits.    

This article discusses the implementation of efficient pricing strategies within a marketing management framework to increase promotion of homemade spaghetti products, with a focus on the Dana Pasta case analysis. Pricing plays a crucial role in achieving success in marketing, especially in the food industry sector. By considering variables such as high quality raw materials and careful manufacturing processes, this research explores strategic approaches that can strengthen product reputation, increase competitiveness, and attract the attention of target customers. This article discusses the basic principles of pricing, evaluates a number of strategies that can be implemented in the context of homemade spaghetti, and provides practical suggestions for improving product marketing results. Through the application of the Dana Pasta case study, the aim of this article is to provide relevant and applicable guidance for culinary business people who want to achieve success through a smart pricing approach

Companies with high performance can plan various policies. Performance is the result of work in quality and quantity achieved by a person in carrying out their duties in accordance with the responsibilities given to them. Humans as the wanting creature means that humans naturally have various desires and needs that will never run out. It is with this aim to fulfill the desires and needs that humans work. The purpose of this research is to find out whether motivation has a partial effect on employee performance at Pia Wijaya, to find out whether the work environment has a partial effect on employee performance at Pia Wijaya, to find out whether salary has a partial effect on employee performance at Pia Wijaya, to find out whether work discipline has a partial effect on employee performance at Pia Wijaya, to find out whether job satisfaction has a partial effect on employee performance at Pia Wijaya and to find out whether motivation, work environment, salary, work discipline, and job satisfaction have a simultaneous effect on employee performance . In this study, researchers used a type of quantitative research. The quantitative approach is an approach in research that uses numbers to analyze the relationship between variables (Sugiyono, 2014). The results in this study are that the significance value of X1 is 0.199 > 0.05, which means that X1 does not affect Y or motivation does not affect employee performance at PIA WIJAYA, the significance value of X2 is 0.530 > 0.05, which means that X2 does not affect Y or work environment has no effect on employee performance, the significance value of X3 is 0.793 > 0.05, which means that X3 has no effect on Y or salary has no effect on employee performance, the significance value of X4 is 0.275 > 0.05, which means that work discipline X4 has no effect on Y or work discipline has no effect on employee performance. The effect of job satisfaction on employee Y performance, the significance value of X5 is 0.914 > 0.05, which means that X5 has no effect on Y or job satisfaction has no effect on employee performance, a significance result of 0.735 which is greater than 0.05. Thus it can be concluded that there is no simultaneous influence of X1, X2, X3, X4 AND X5 on Y.