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Household financial management is an important aspect of daily life that is often overlooked or does not receive serious attention. This is even though it plays a major role in determining the economic well-being of the family. Given the complexity of household life involving various needs and expenses, effective financial management is essential to achieving long-term goals and improving the quality of family life. Good management can help overcome various economic challenges and prepare families for unexpected financial conditions.

Small and medium enterprises (SMEs) play a very important role in the economy, especially in developing countries like Indonesia. Developing countries such as Indonesia. This research aims to develop mentoring strategy for SMEs in the snack food sector, specifically “BROWSIST,” which faces challenges in digital marketing,operational efficiency, and implementation of sharia economic principles. Through qualitative descriptive approach, this research conducts mentoring with a focus on optimizing digital marketing, improving operational management, and integrating sharia principles in every aspect of the business. integration of sharia principles in every aspect of the business. The results of the mentoring showed a significant increase in turnover, number of customers, and operational efficiency after three months. efficiency after three months. In addition, stronger application of sharia principles in business transactions and finances principles in business transactions and finances strengthens BROWSIST's position in the halal market. halal market. This study suggests the importance of sustainability in brand development, increasing production capacity, and expanding market reach to support more sustainable business growth. market to support more sustainable business growth.

In research this, ratio profitability compared to with performance finances of PT Indofood Sukses Makmur Tbk during period 2019–2023. Total ratio profitability used​ including Return on Assets (ROA), Return on Equity (ROE), Net Profit Margin (NPM), and Gross Profit Margin (GPM). The results of the study show that performance finance company has changed for five years Lastly, with ROA value remains below​ standard. This result show that improvement management assets and equity required For support growth greater profitability​ consistent in the future.

The Investment Management Institution (LPI) was established based on the mandate of the Job Creation Law in Chapter X concerning Central Government Investment and the facilitation of National Strategic Projects in Article 154 paragraph (3) which states that Central Government Investment can be implemented by the Minister of Finance as the State Treasurer or an institution given special authority (sui generis). In the field of taxation, there is special treatment in terms of transactions involving the Investment Management Institution (LPI) including transactions both directly and indirectly with the entities it owns. In terms of bankruptcy, the Investment Management Institution (LPI) is treated specially and cannot be declared bankrupt unless it can be proven to be insolvent. And the nature and norms or rules set by the Investment Management Institution or LPI only apply specifically to parties who cooperate or make business agreements with the Investment Management Institution (LPI) and do not apply generally to everyone, so that its nature is a consensus between the parties.

This article discusses the ability of Accounting students of Medan State Polytechnic in managing personal finances which include five main aspects: spending money according to needs, paying obligations on time, planning finances for the future, saving, and setting aside money for personal and family needs. Most students show good ability in financial management, although some still face challenges, such as difficulty saving and managing expenses. This study uses a survey method with a quantitative approach. The results of the study show that the majority of students are in the good to very good category in financial management. This finding reveals that although some students have large pocket money, their financial management behavior is not yet completely ideal, so it requires more awareness in acting financially. The influence of family, environment, and education plays an important role in shaping students' financial habits, where parents are the main factors.  

The Village Government has a very important function in managing all resources in the Village, one of which is the potential of the village market. The Village Market is a market built and managed by the Village Government with a place of business in the form of shops, stalls and tents or other similar names. Especially the Helanlangowuyo Village Government which is provided for traders. Based on Helanlangowuyo Village Regulation Number 6 of 2016 concerning Helanlangowuyo Village Finance Article 8 concerning the amount of village market retribution. The formulation of the problem in this study: (1) How is the Function of the Village Government in managing the Senadan Village Market to increase the original village income in Helanlangowuyo Village? (2) How does the contribution of the Senadan Village Market retribution to the original village income in Helanlangowuyo Village? (3) What are the inhibiting factors of the Village Government's Function in managing the Senadan Village Market to increase PADes in Helanlangowuyo Village? This type of research is empirical legal research which is a study of legal identification and legal effectiveness so that in its preparation, field research is carried out that utilizes data supported by primary data sources and secondary data. The results of the research and discussion show that: (1) In the management of the Senadan Village Market, the Helanlangowuyo Village Government faces challenges related to the status of the market land which is still a rental system and market facilities which are still very limited. (2) The contribution of market levies from 2021 to 2023 has decreased significantly, with the total contribution decreasing from IDR 3,275,250 in 2021 to IDR 3,027,750 in 2023. (3) The management of the Senadan Village Market faces obstacles in the form of a lack of clear regulations, low quality of human resources, lack of public awareness and inadequate conditions of facilities and infrastructure.

Knowledge related to finance and management in running a business is very important. This is the basis for managing a business so that it can survive in an era of developments and increasing business competition. Culinary businesses, such as Albania Coffee & Resto, often face challenges in managing finances and running operations. The purpose of this activity is to provide financial and business management assistance to the Albania Coffee & Resto business located in the Limbangan-Boja area, Kendal Regency, Central Java. This community service provides a real contribution in increasing the capacity of micro, small, and medium enterprises (MSMEs) in the culinary field. By equipping the owners of Albania Coffee & Resto with the knowledge and skills needed, it is hoped that they can increase the competitiveness of their businesses and contribute to local economic growth.

This journal examines the implementation of banking financing products within the framework of Islamic law, focusing on the principles and practices of Islamic banking. The study explores how Islamic banking products align with Shariah principles, emphasizing compliance with prohibitions such as riba (usury), gharar (uncertainty), and maysir (gambling). The analysis also references the legal framework governing Islamic banking in Indonesia, particularly Law No. 21 of 2008 on Islamic Banking, and the regulations issued by the Financial Services Authority (OJK). The study evaluates the role of Islamic banks in promoting economic justice, financial inclusivity, and sustainable development. The findings aim to provide a comprehensive understanding of how Islamic finance products contribute to economic growth and the challenges faced by Islamic banking institutions in Indonesia’s financial market.

Debt instruments, particularly those related to preferred and common stocks, play an important role in capital markets and corporate finance. One of the crucial elements that influence investment decisions and corporate policies is debt repayment provisions. Preferred stocks, with higher priority in terms of debt repayment, provide a sense of security for investors because they provide greater protection against the risk of loss. In contrast, common stocks, which have lower priority in debt repayment, offer higher potential returns but with greater risks. This article aims to explore the role of debt repayment provisions in common stocks through an in-depth literature review. The methodology used is a thematic and comparative analysis approach to the existing literature, focusing on the differences in debt repayment rights and their impact on investment decisions and corporate policies. The results show that debt repayment provisions have a significant impact on investment stability, where preferred stocks are more beneficial for conservative investors who prioritize security, while common stocks are more suitable for investors seeking potential returns for conservative investors who prioritize security, while common stocks are more suitable for investors seeking potential high returns despite greater risks. This conclusion provides an important contribution to understanding the dynamics of the capital market and helps investors and companies in designing better financial strategies. Further research is needed to explore the direct effect of debt repayment provisions on capital market performance and stock value in companies.  

Micro, Small and Medium Enterprises (MSMEs) have an important role in the economy of Medan City, making a major contribution to job creation and increasing people’s income. This research aims to examine the role of MSMEs in economic development at the local level, the challenges they face, and the opportunities available, with a focus on how MSMEs in Medan adapt to the rapid digital technology advancements. Based on the theories of economic growth, sustainable development, and financial access, the findings indicate that MSMEs in Medan not only contribute to the Regional Gross Domestic Product (PDRB) and employment absorption but also strengthen the stability of the city's economy. While MSMEs have significant opportunities, they face challenges such as rising prices and the need to adopt digital technology for marketing their products. To support the growth of MSMEs, several policy recommendations include improving access to finance, developing infrastructure, enhancing skills training, and facilitating market access through digital platforms. Overall, MSMEs in Medan are a key pillar of the local economy, with growth potential that continues to expand as they adapt to technology and receive appropriate government support.

This study aims to analyze the contribution of Islamic economic policies to macroeconomic stability in Indonesia through various Islamic financial instruments. The results show that Islamic economic policies, including Islamic banking, zakat, waqf, and sukuk, play a significant role in supporting economic stability and fostering real sector growth. Profit-sharing financing offered by Islamic banking, for instance, provides a fairer and more flexible alternative compared to conventional systems. Furthermore, wealth redistribution instruments such as zakat and productive waqf have proven to help reduce poverty and improve community welfare. However, challenges remain regarding the low financial literacy of Islamic finance and the lack of infrastructure supporting its implementation. This study suggests the need for strategic steps to strengthen Islamic financial literacy, enhance digital technology, and strengthen collaboration between the government, Islamic financial institutions, and society in promoting inclusive and sustainable Islamic economic growth.

Sharia finance is a financial system based on Islamic principles that prioritizes justice, transparency and the avoidance of prohibited elements such as usury, gharar and maysir. Sharia finance has enormous potential to be developed in Indonesia, which has the 2nd largest Muslim population in the world. This article discusses the opportunities and challenges of developing the sharia financial sector in Indonesia. This research uses a qualitative descriptive research method, with a library research approach which involves a series of activities related to collecting data from library sources. Efforts that need to be made to improve sharia financial institutions are to examine existing challenges and optimize existing opportunities.

This study examines the concept of state finance regulation in emergency situations to address economic crises and support post-Covid-19 recovery in Indonesia. The pandemic has significantly impacted economic stability, requiring swift and effective legal responses in state finance management. This research employs a normative approach by analyzing legislation related to state finance in emergencies and fiscal policies implemented during the pandemic. The findings reveal that while a legal framework for emergency state finance management exists, its implementation often faces challenges in coordination and accountability. This study recommends strengthening regulations to be more adaptive and proactive in managing state finances during emergencies, as well as enhancing oversight to ensure the effectiveness of sustainable economic recovery. The implications of this research provide a better legal framework for the government to handle future crises.

The birth of various Islamic financial institutions (LKS) shows that Islamic teachings cover the economic scope, including cooperatives in the form of Islamic finance These Islamic teachings must absolutely be obeyed and guided by all Muslims in making daily life activities, including in transaction and investment activities, Mashlahah refers to all forms of benefits or goodness that can bring prosperity to individuals and society in general.  without ignoring sharia values. For manufacturers of mashlahah formulations, it is an important challenge in carrying out production activities that not only pursue material profits, but also contribute to economic sustainability, social justice, and environmental preservation Qualitative descriptive research is aimed at describing and describing existing phenomena, both natural and man-made, that pay more attention to the characteristics, quality, and linkages between activities. In addition, descriptive research does not provide treatment, manipulation or alteration to the variables studied, but rather describes a condition as it is. The only treatment given is the research itself, which is carried out through observation, interviews from competent sources in their fields The imbalance between profits and benefits is one of the fundamental issues in the formulation of mashlahah for producers who are faced with pressure to maximize profits in a short time, which sometimes has the potential to sacrifice the principles of benefits caused by several factors, such as adopting strategies that are oriented towards short-term profits to meet financial targets or pressure from shareholders. As a result, the benefits are often overlooked. The imbalance between profits and benefits is an important problem for sharia-based cooperatives that lack understanding of the principles of mashlahah in Islamic business, such as avoiding riba and using a clear profit-sharing system on every transaction

Mangrove forests are crucial coastal ecosystems that play an important role in enhancing the resilience of coastal communities. Indonesia has the largest mangrove ecosystem in the world, covering an area of 3,489,140 hectares. However, unfortunately, this ecosystem is continuously being degraded due to various exploitative and destructive activities. In response to this, in 2020, the Indonesian government launched the Mangrove for Coastal Resilience Program (M4CR) to restore 600,000 hectares of damaged mangrove forests. This program is being implemented by several agencies, such as the Ministry of Finance, the Ministry of Environment and Forestry, Peatland and Mangrove Restoration Agency of the Republic of Indonesia, and the Indonesian Environment Fund (BPDLH). The program is funded through a grant from the World Bank amounting to USD 419 million or IDR 6.5 trillion. The BPDLH plays a crucial role in managing the funds for the M4CR project to ensure proper financial governance and allocation to strengthen coastal areas through mangrove rehabilitation. This article examines the financial governance authority of the BPDLH within the M4CR project through normative legal research and library studies. The findings of this research highlight the authority and limitations of the BPDLH in managing the project funds..

Business ethics is a fundamental aspect in the management of Micro, Small, and Medium Enterprises (MSMEs) to ensure business sustainability and growth. This research discusses the role of business ethics in Karijawa Permai MSMEs, which focuses on building consumer trust, improving reputation, and creating harmonious relationships with stakeholders. Ethical practices, such as honesty in service, regulatory compliance, and social responsibility, help strengthen the position of these MSMEs in the competitive local market. In addition, consistent implementation of business ethics is able to increase employee loyalty and support environmental sustainability. The method offered to partners/MSMEs is in the form of education/socialization using LEAFLET which is carried out door to door. The material provided in the leaflet includes a discussion of (1) The Role of Ethics in Doing Business for MSME Actors, (2) Benefits in Doing Business for MSME Actors (3) The Application of Ethical Principles in Doing Business in Finance, Marketing, Production and Human Resources Activities. The findings show that the effective implementation of business ethics not only improves operational performance, but also has a positive impact on local communities and economies. Thus, business ethics is a strategic element in optimizing the contribution of Karijawa Permai MSMEs to sustainable development. The activity also showed that partners were very enthusiastic in listening and discussing during the activity. In addition, it can provide knowledge about ethics in running a business.

This study aims to analyze the financial relationship between the central and regional governments within the framework of fiscal decentralization and its impact on regional economic growth. The main focus is to evaluate the contribution of the General Allocation Fund (DAU) and the Special Allocation Fund (DAK) to Regional Original Revenue (PAD) and the equitable development between regions. Using a quantitative approach, the data was analyzed to assess how fiscal transfer policies support regional financial independence and sustainable development. The findings indicate that DAU and DAK significantly influence PAD growth; however, regional dependency on central government funds remains high. Furthermore, disparities in development between advanced and underdeveloped regions remain a significant challenge. This study recommends optimizing PAD management and implementing more equitable fiscal policies to support balanced development and inclusive economic growth in Indonesia.

The main objective of this study is to present a comprehensive perspective on the interrelationship and impact of financial literacy, financial digitalization, and Small and Medium Enterprises (SMEs) on the growth and adaptability of SMEs in today's dynamic business landscape. This research uses a systematic literature observation method to collect, analyze and synthesize relevant findings from various published literature sources, especially selections in the Scopus database. The primary focus of this study is to examine the correlation between financial literacy and financial digitalization, and how they impact SMEs' financial management capabilities and utilization of available financial technology. The findings show that financial literacy and financial digitalization are important areas of study that have received increasing attention in recent years. This research highlights the challenges in accessing finance and reducing collateral demands, indicating the struggles that SMEs are currently facing.

This research aims to analyze the level of English proficiency among Micro, Small, and Medium Enterprises (MSMEs) in Kecapi, Jepara, in the context of Islamic finance. English proficiency becomes important because many documents and information related to Islamic financial products are conveyed in English. The research method used is descriptive qualitative with data collection through questionnaires distributed to 50 MSME actors. The research results show that the majority of MSME actors (60%) have a limited understanding of English, while only 15% are able to communicate effectively in the context of international business. Although 70% of respondents recognize the importance of English proficiency to access Sharia financial services, they face obstacles in accessing relevant training. These findings indicate the need for English language training programs that align with the business needs of SMEs, particularly in the sharia finance sector. This research provides practical implications in the form of strategic recommendations for Islamic financial institutions and local governments to support the improvement of English language proficiency among MSME actors, in order to strengthen their competitiveness at the local, national, and international levels.

The mechanism of state debt management is a process involving fiscal and monetary policies to regulate the issuance, use, and repayment of state debt. In its management, the government usually uses instruments such as bonds, bilateral loans, and multilateral loans to finance the budget deficit. State debt can be used to fund infrastructure projects, health, education, and other important sectors, but its management must be careful so as not to burden the economy. One important aspect of debt management is maintaining the debt ratio to Gross Domestic Product (GDP) so that it remains under control. If state debt increases significantly without being balanced by economic growth, it can pose a risk of inflation, a larger budget deficit, and a reduction in market confidence in the government's ability to repay debt. On the other hand, good debt management can encourage economic growth by financing productive projects that increase competitiveness and public welfare. Strict supervision of debt allocation and transparency in the use of funds are essential to avoid misuse and increase the effectiveness of debt management. In addition, the role of international institutions such as the IMF and the World Bank is also crucial in providing technical advice and support for sustainable debt management policies.