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This research aims to determine the role of banking cooperation with cooperatives and the obstacles to the role of banking cooperation with the Karya Baru village unit cooperative (KUD), Teluk Tigo Village, Cermin Nan Gedang District, Sarolangun Regency. This thesis uses qualitative research methods, the data sources used are primary and secondary data sources with data collection techniques and instruments through observation, interviews and documentation. The research results show that this cooperative collects funds from its members in the form of mandatory savings, principal savings and voluntary savings. However, in carrying out cooperative activities, the cooperative management has not yet collaborated between the bank and the cooperative. The role of banking in this case is simply a place to store money for the administrators of the Karya Baru Village Unit Cooperative (KUD) in Teluk Tigo Village. There are no mutual benefits provided by either the cooperative or the banking sector, so members continue to withdraw money/borrow money through the cooperative in cash. One of the factors supporting the achievement of the goals of a program is its implementation. If the implementation of a program is good and on target, then the program can also have an impact on society. However, in this case the obstacle faced by the cooperative management is the lack of understanding of the management so that the cooperative being run is not very optimal so that the community does not have confidence in its management.    

The practice of bribery and manipulation in the sports environment has become a serious problem that shakes the principles of integrity and fairness in the competitive arena. Starting from match-fixing scandals to acts of corruption in decision-making, this phenomenon not only disrupts match results, but also undermines public confidence in fairness in sport. It is important to recognize that sport is not just about physical competition on the field, but also about moral and ethical principles that must be upheld. Law has a crucial role in establishing the framework that regulates behavior in and around sport. Cases of bribery and manipulation in the field of sports have become a disturbing problem over the last few decades. These corrupt practices threaten the integrity of sports competitions and undermine the fundamental values ​​upheld in society. In bribery cases, there are usually 3 elements, namely the bribe giver, the bribe recipient and the bribe item. Those who give bribes are those who give money, items of high value or in any form whose value can be calculated to someone with the aim of making the person given the item of value want to do or not do something in accordance with what the bribe giver wants. A bribe recipient is a person who receives something of value from the bribe giver to do or not do something. A bribe is something given by the bribe giver to the bribe recipient.

This gratuity is a practice that often occurs in a nation, which is carried out by state administrators or state officials. Gratification is one form given to state administrators or state officials to influence the performance of public officials which can create the potential for creating an economy at high costs and can affect the quality and fairness of services provided to the community. In the development of this gratification, initially gratification only took the form of money and goods, but in fact the practice of gratification has developed in the form of sexual services. This research seeks to answer the issue of limits on gratification as regulated in Article 12 B of the Corruption Eradication Law. Because the existence of gratification for sexual services must be regulated first so that the perpetrator can be subject to criminal sanctions. As a comparison for this research, it uses a comparative method by examining legal regulations regarding gratification in another country, namely Singapore.

This study aims to examine and analyze the inhibiting factors in the handling of violations of money politics practices by the Gorontalo Regency Gakkumdu Center in the 2019 general election. The research method used in this study is the empirical legal research method, which is research with field data as the main source of data, such as the results of observations and interviews. The results of this study show that in handling the practice of money politics by the Gakkumdu center of Gorontalo Regency in the 2019 general election it has gone well in accordance with the established regulations, but in terms of law enforcement given it is still not firm and relatively light it cannot make the perpetrators deterrent to their actions. And there are factors that hinder the handling process, namely the lack of time given in carrying out a case handling process. This factor makes the members of the Gorontalo Regency Gakkumdu Center not optimal in completing the handling of money politics practices that occurred during the 2019 general election.

In general, many people choose to save and borrow money from financial institutions other than sharia banks, such as conventional banks and general cooperatives. In fact, conventional banks are known to adhere to an interest system which according to scholars is prohibited because interest is considered usury. Factors that can influence interest in saving at Islamic banks are knowledge, promotions and location. A person's knowledge about Islamic banks will influence customer interest, each bank tries to promote all the products and services it has, and the location of Islamic banks has easy assets. The aim of this research is to determine the influence of knowledge, promotion and location on the interest of the people of Pandan Jaya subdistrict, Tanjung Jabung Timur district to save in sharia banks. The type of research used in this research is quantitative descriptive research. The sample was selected using Accidental Sampling and the Slovin formula to obtain 98 respondents. The data analysis used is Multiple Linear Regression Analysis. The results of the research concluded that partially the variables knowledge, promotion and location had an influence on interest in saving at Sharia Banks in Pandan Jaya Village, East Tanjung Jabung Regency. Simultaneously, the variables of knowledge, promotion and location influence interest in saving at Sharia Banks in Pandan Jaya Village, East Tanjung Jabung Regency. Based on the coefficient of determination, it indicates that knowledge, promotion and location can influence interest in saving at Sharia Banks by 77.4%. It is hoped that people, especially Muslims, can save in sharia banks considering that sharia banks have used sharia principles in accordance with Islamic recommendations, sharia banks can increase people's interest in saving using Sharia Bank services by considering research variables, namely increasing knowledge, promotion and location, and further research can add other variables which are also thought to influence interest in saving at Sharia Banks.

The cost of funds ratio is a matrix used to carry out analysis in financial reports to evaluate banking financial performance by connecting various factors that influence the cost of funds ratio. Financial ratio analysis is part of business analysis that assesses a company's prospects and risks. Cost of funds ratio analysis describes the relationship between the amount of money and the company's burden in managing these finances to increase profitability. Cost of funds ratio analysis method. Research was conducted to identify information related to cost of funds ratio analysis in banking. The research results show the significant impact of financial ratio analysis on the financial performance of banking companies in Indonesia. Suggestions include increasing LDR, reducing NPL, controlling operational costs, and improving customer service. It is also recommended that the banking industry be able to reduce the cost of funds ratio regularly to improve its financial performance.

Improving and developing the mini library at Jabung Wetan State Elementary School is a program designed by teaching campus students with the approval of the school and field supervisor lecturers (DPL). This program aims to meet the needs of the school community in the teaching and learning process, especially in increasing literacy activities for students' reading interest in the school environment. The method used in this service article is descriptive qualitative by going directly into the field to carry out observation and survey activities in school libraries.This program activity goes through several stages which include: (1) making and distributing book donation pamphlets to school residents and the outside community, (2) collecting donated books, (3) buying books from the money from donations, (4) cleaning and arranging the cooperative space which will be transformed into a library, (5) the process of decorating the library, (6) the process of classifying books based on their type, (7) writing a list of books into the main library book, (8) making labels for each books, (9) arranging and arranging books on shelves, (10) selecting and appointing library ambassadors.

Abu Sayyaf is a separatist group originating from the Philippines with headquarters in Western Mindanao, Basilan, Jolo and Sulu. The existence of the Abu Sayyaf is trying to build the Islamic Mindanao Islamic State (MIS). Abdurrajak Janjalani is the leader of the Abu Sayyaf which is affiliated with the Al Qaeda terrorist network. The Abu Sayyaf's actions are considered extreme and disturbing the people of the Philippines and the Southeast Asian region. The footprints built by the Abu Sayyaf tend towards radicalism and acts of terrorism. The Abu Sayyaf carries out many bombings and kidnappings and has expanded into maritime areas by pirating ships. Indonesia became one of the countries that fell victim to piracy in 2016 when the barge Anand 12 and tugboat Brahma 12 were hijacked while traveling to Batangas, Southern Philippines. The aim of the piracy was so that the Abu Sayyaf could receive ransom money to fund their struggle. The Indonesian government has made various efforts to free Indonesian citizens who are being held hostage. The Indonesian government is prioritizing the negotiation route in this case. Indonesia is coordinating with the Philippine government, involving non-state actors in carrying out a social approach. The involvement of non-government actors is an opening to build dialogue with the Abu Sayyaf until the negotiation process is successful.

Fraud through the internet or online-based fraud is a crime that is rife today. The increasing use of the internet turns out to open up greater opportunities for fraudsters to get money or profit from the internet. Transact in online investment activities using exchange in the form of electronic money (bitcoin). With this virtual money, now business transactions can be carried out without involving intermediaries such as banks. The main problem in this study is what is the form of fraud and embezzlement in online investment (BITCOIN) based on Kupang District Court Decision Number 129/Pid.B/2021/PN. Kpg Jo Kupang High Court Decision Number 143/Pid/2021/PT Kpg Jo Supreme Court Decision Number 422 K/Pid/2022 and whether the court decision against fraud and embezzlement under the guise of online investment (BITCOIN) is fair to the victim. This research is a normative legal research that examines based on existing decisions, laws and regulations, legal theories and opinions of scholars. The results of this study show that (1) there are two forms of criminal acts that researchers found in the verdict, namely fraud and embezzlement. (2) the aspect of justice contained in the decision that it is not fair to the victim based on the laws and regulations and criminal sanctions given to the accused. Therefore, suggestions for the results of this study are (1) It is recommended that local governments that have duties and responsibilities in solving these problems can pay attention to the application of criminal sanctions.

Puskesmas sebagai fasilitas kesehatan primer bertanggungjawab terhadap penyelenggaraan pelayanan kesehatan di wilayahnya, termasuk pelayanan SDIDTK. Pelayanan Kesehatan harus sesuai dengan Standar Pelayanan Minimal (SPM). Tujuan Penelitian untuk mengetahui gambaran evaluasi program pelaksana pelayanan kesehatan balita di Wilayah Kerja Puskesmas Batumandi. Metode penelitian kualitatif, subjek penelitian terdiri dari informan utama dan informan trianggulasi. Intrumen yang digunakan berupa pedoman wawancara. Hasil penelitian didapatkan aspek input meliputi man yaitu bidan desa, bidan Puskesmas, gizi, aparat desa dan kader yang bekerja sesuai dengan tupoksi masing-masing. Money berasal dari APBD, DAK dan dana desa. Material yaitu alat-alat pengukur timbangan, pemberian makanan tambahan dan permainan edukatif. Machines yaitu komputer/laptop dan jaringan internet. Method yaitu buku-buku pedoman terkait pelaksanaan program pelayanan kesehatan balita. Aspek proses program pelaksana pelayanan kesehatan balita meliputi perencanaan yaitu pelaksanaan sesuai dengan SOP yang telah ditetapkan sedangkan pelaksanaan sesuai dengan perencanaan dan jadwal yang telah ditentukan. Aspek output meliputi monitoring yaitu dengan melakukan rapat bulanan dan dilakukan secara berkala satu bulan sekali sedangkan evaluasi telah dilakukan dan mengalami kendala yaitu kekurangan tenaga kesehatan dan deteksi dini kesehatan balita.

A hedonic lifestyle is a lifestyle in which individuals spend time and money that serves only as motivation, a social class with conceptions that reflect the individual who uses it. The study aims to describe the relationship between self-control and hedonistic lifestyles in students at Padang State University. This research uses a quantitative approach. The population in this study consisted of students at State University Padang with a total sample of 119 students using purposive techniques. The data collection using a scale with a hedonist lifestyle measurement tool organized by Amelia Acmel (2022) refers to the hedonistic lifestyle aspects proposed by Engel et al (1994), and the self-control measuring tool developed by Anggraeni (2022), referred to Averril (1973)'s self-controllment aspects as the instruments used in this research. Data analysis in this study uses product moment correlation techniques. The results of the analysis showed that there was a negative relationship between self-control and hedonistic lifestyles in students at Padang State University with statistical results of correlation coefficients r = -0,379 and p = 0,000 (p<0,5).

The internet is needed and used by students as a learning resource to obtain, add to and assist in completing school assignments, and students also need parental support such as school supplies, vehicles, learning facilities, school uniforms, education costs and pocket money. When these two factors are implemented well, good student learning achievement will also be created. The formulation of the problem in this thesis is (1) Is there an influence of internet use on the learning achievement of class VII students at MTs Ma'arif Bakung Udanawu, Blitar Regency, academic year 2023/2024? (2) Is there an influence of parental support on the learning achievement of class VII students at MTs Ma'arif Bakung Udanawu, Blitar Regency in the 2023/2024 academic year? Meanwhile, the objectives of this research are (1) To understand the influence of internet use on the learning achievement of class VII students at MTs Ma'arif Bakung Udanawu, Blitar Regency, academic year 2023/2024. (2) To understand the influence of parental support on the learning achievement of class VII students at MTs Ma'arif Bakung Udanawu, Blitar Regency, academic year 2023/2024. This research uses quantitative research, with a type of causal research. The objects of this research are all class VII students at MTs Ma'arif Bakung Udanawu, Blitar Regency for the 2023/2024 academic year with a population of 300 students and a sample of 30 students. The technique used in collecting data was by distributing questionnaires to class VII students. Data analysis techniques use research instrument tests, classical assumption tests and multiple linear regression tests. The results of the research show, 1) Partially there is a positive and significant influence between internet use on learning achievement as indicated by the results of t-count > t-table (3.561 > 2.051). 2) Partially there is a positive and significant influence between parental support on learning achievement as shown by the results of t-count > t-table (3.925 > 2.051).

Life insurance is an agreement made by the insurance company as the party responsible for providing the guarantee in the form of providing money as risk compensation if an event occurs, such as the death of an insurance participant. As compensation, the insurance participant has the obligation to pay a certain amount of premium to the insurance company. Single premium is a premium payment method that is made once at the beginning. Single premium is a way of paying insurance premiums that are paid all at once at the beginning. Sum Insured is funds that will be given the insurance company to the heirs as a replacement if the insurance participant dies. The purpose of this research is to determine the premium value and compare the premium value if various sums insured are given. And it was found that the greater the sum insured, the greater the premium value that must be paid, and the older a person is when taking out life insurance, the greater the premium value that must be paid.

This research discusses community empowerment through the Bersami Waste Bank (BSB) program. The aim of this research is to find out the process of community empowerment through the Bersami Waste Bank program in Pisangan Village, the supporting and inhibiting factors in carrying out empowerment and the Bersami Waste Bank's efforts to improve family welfare for its customers. This research is qualitative research in collecting data using observation, interviews and documentation methods. The data analysis techniques used are data reduction, data presentation and drawing conclusions. Triangulation is used to explain the validity of the data obtained. Based on the results of this research, it can be concluded that the community empowerment carried out by the Bersami Waste Bank is in accordance with the stages of community community empowerment. The research results revealed that community empowerment through the Bersami Waste Bank was carried out through four stages, namely the awareness stage, understanding stage, utilization stage and use stage. Bersami Waste Bank can empower its community so that customers gain benefits from waste management in the form of money from savings and skills after training in waste recycling to sell from recycled waste. This is an effort by the Bersami Waste Bank to improve family welfare for its customers.

This research discusses the criminal act of money laundering through crypto assets and the form of criminal liability for crypto assets as an object of money laundering in Indonesia. Crypto assets function as an investment not for currency as a means of payment, but crypto assets are legally designated as digital commodity objects in the form of assets. Crypto assets have the threat of being misused as a new mode of money laundering to hide and disguise the proceeds of criminal acts. This research is structured with a statutory approach, concept approach and case approach with data collection based on literature and secondary materials.The results of the discussion of this research show that legitimate crypto assets as digital commodities can turn into illegitimate or illegal crypto assets as a result of the object of the means of criminal acts of money laundering. Money laundering through crypto assets that fulfill the elements of the criminal act of money laundering has criminal liability. The perpetrators of money laundering through crypto assets can be reached and held accountable according to the money laundering article violated in Law Number 8 Year 2010.

This research is entitled Community Participation in Development Planning in Trikora Village, Benawa District, Yalimo Regency. Community participation in Trikora Village, Benawa District, Regency is still very lacking. Because if you look at the level of participation such as thoughts, skills, goods and money, it is still very lacking, but participation in terms of community energy is very enthusiastic. Apart from that, the main factors that influence the level of community participation are age level, length of stay, intensity of interaction and type of leadership.The results of this research are that there are five levels of community participation in village development, namely thought, energy, expertise, goods and money. The participation that can be carried out by the community is participation in terms of thinking, because in other matters the people of Trikora village are still very limited in their abilities. There are two factors that influence the level of community participation in development in Trikora Village, namely internal and external which are described by age level, length of stay, intensity of interaction, and type of leadership. The age level of the community in Trikora village greatly influences the low level of participation, the length of stay is also very influential because it is directly related to the community's emotional ties to where they live. The intensity of interaction also influences low participation in Trikora village and the level of autocratic leadership makes people reluctant to participate in developing Trikora village.    

The community service program in this article provides outreach to new voters about Anti-Corruption Education and the Anti-Money Politics Movement, ahead of the 2024 General Election. Anti-Corruption Education is an action to control and reduce corruption in the form of an effort to encourage future generations to develop a firm attitude towards every form corruption. Money politics is a form of giving or promising to bribe someone either so that the person does not exercise their right to vote or so that they exercise their right in a certain way during the general election. Political education is a form of political outreach to the public to understand and understand politics, especially to the general public regarding general elections and the democratic process therein. Political education also contains the meaning of political participation, meaning that society also participates in the political process. The choice of the GKPI 2 Pematangsiantar Private Vocational School was due to the high level of first-time voters in the 2024 elections, so the team felt it was necessary to provide socialization about political education to many young voters who were in high school. We want GKPI 2 Pematangsiantar Private Vocational School students to be aware and have adequate knowledge regarding preparations for the upcoming 2024 elections. The output target that we hope for as organizers and cooperation partners is the understanding of GKPI 2 Pematangsiantar Private Vocational School students which can be obtained from the political education regarding preparation for the 2024 Election that we provide. By participating in this socialization, it is hoped that students will be able to provide an understanding of the material presented to their peers or people outside the school environment. Participants in our community service activities are representatives from each class at the GKPI 2 Pematangsiantar Private Vocational School who are 17 years of age or older, or who will have the right to vote when the elections are held

The development of the sharia financial system is marked by the establishment of various sharia institutions and the issuance of various sharia-based financial instruments. Apart from banks which have the function of collecting and distributing funds to the community. However, banks also have the function of providing services such as pawning. Bank Syariah Indonesia is one of the banks that has a gold pawn product which is considered successful because it continues to increase every year. Sharia gold pawn financing is a product of channeling funds in the form of loans based on the qard principle with collateral of valuables in the form of gold as collateral for the customer's money. In providing financing to customers, there are several process stages that must be carried out by the Bank and Bank Syariah Indonesia also sets rental fees for gold pawn products that are quite cheap compared to other institutions. In this dedication, I explain the mechanism of gold pawning products at Bank Syariah Indonesia. The aim is for the public to become more familiar with the services and operations of Sharia Banks.

This article explores the comparison between money politics and cost politics in the context of the political process and its influence on democratic integrity. Money politics reflects corrupt practices in which wealth is used to manipulate election outcomes or political decisions, while cost politics includes costs related to campaigns, regulations, and citizen participation in the political process. In distinguishing these two concepts, this article highlights their role in shaping the strengths and weaknesses of democracy and the challenges in strengthening political integrity. By analyzing case studies and theoretical concepts, this article aims to present a clearer understanding of the differences between money politics and cost politics, as well as promote efforts to address corruption and increase transparency in the political process.

The purpose of this research is to determine the effect of promotional attractiveness and ease of use of technology on loyalty in using e-money (in Indonesian sharia bank e-money products at the Radial Palembang sub-branch office). This research uses primary data with a quantitative approach. The population in this study were customers of Bank Syariah Indonesia (BSI) Palembang Radial Palembang Sub-Branch who used 200 e-money products in the last 1 year. Sampling in this research used the Slovin formula, resulting in 67 customers being sampled in this research. The analytical methods used in this research are validity, reliability, classical assumption testing, multiple linear regression and hypothesis testing using IBM SPSS 26 statistical analysis. The results of this research show that the promotional attractiveness variable has a significant effect on e-money user loyalty and the ease of use of technology variable has a significant effect on e-money user loyalty.