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Medan city is one of the largest cities in Indonesia. The increasing need for infrastructure amidst the increasing population in the city of Medan is a challenge that must be resolved. This research was conducted to evaluate the effectiveness of the Medan City Revenue and Expenditure Budget considering that the budget allocation for improving infrastructure that has been carried out by the Medan City Government is the government's priority. The research method used in this research is a descriptive analysis method with a qualitative approach. The results of the research found that effectiveness in managing the APBD is still less effective. In this case, the effectiveness of budget management still needs to be improved so that fund allocation can be optimized and create more inclusive and sustainable development.

The government's role in Islamic economics is very significant, not only in regulating public aspects in accordance with Islamic principles, but also in financial matters such as managing basic needs, creating jobs, and maintaining the stability of the value of money. Public authorities need appropriate arrangements to steer the economy in the desired direction. One of the strategies used is financial regulation, which aims to control the money supply so that economic growth is stable, the cost of living is affordable, and jobs are available. This research aims to explore how the financial approach works from an Islamic perspective in depth. In the context of Islamic economics, the task of public authorities is to ensure that Islamic principles apply in terms of free income, interest-free economy, and money management in accordance with Islamic principles. Financial regulatory instruments also go beyond the use of open markets and custody of money, including in terms of distribution of credit, proportion of advances, and benefits in accordance with Islamic rules. This journal explores the relationship between monetary policy and economic development from an Islamic perspective. The focus is on the government's role in regulating monetary policy to achieve stable and sustainable economic growth in accordance with Islamic principles. The discussion includes financial management strategies that include controlling the money supply, stability of the value of money, and development of an interest-free economy. By considering the basis of free income in Islamic economics, this journal also highlights monetary policy instruments that are in accordance with Islamic values, such as credit distribution and benefit proportions that follow Islamic rules. This research aims to provide in-depth insight into how monetary policy can be implemented effectively in the context of Islamic economics, as well as implications and suggestions for sustainable economic development from an Islamic perspective.

This research uses a qualitative method with descriptive research type. With an estimated number of respondents SME 8 people. The data analysis techniques used are descriptive analysis and simple linear regression analysis. Based on the research results, Financial Literacy has an effect on Financial Management in SME members of SME entrepreneurs in South Tangerang. This needs to increase the knowledge of financial literacy for SME, in this study it is influenced by several things, namely the level of education, receipt of financial information, and the age of the SME actors.      

Medan city is one of the largest cities in Indonesia. The increasing need for infrastructure amidst the increasing population in the city of Medan is a challenge that must be resolved. This research was conducted to evaluate the effectiveness of the Medan City Revenue and Expenditure Budget considering that the budget allocation for improving infrastructure that has been carried out by the Medan City Government is the government's priority. The research method used in this research is a descriptive analysis method with a qualitative approach. The results of the research found that effectiveness in managing the APBD is still less effective. In this case, the effectiveness of budget management still needs to be improved so that fund allocation can be optimized and create more inclusive and sustainable development.

This research aims to explore the phenomenon of hedonism among recipients of the Kartu Indonesia Pintar Kuliah (KIPK) scholarship from a new socio-economic perspective. Using a qualitative approach with in-depth interview methods, this study was conducted at Universitas Negeri Jakarta in May 2024. A total of 8 students, both KIPK recipients and non-recipients, were purposively selected as informants. Data collection techniques were carried out through face-to-face interviews or communication media using structured interview guidelines. The data obtained were then thematically analyzed to identify patterns, differences, and key factors influencing the hedonism phenomenon among KIPK recipients. The research results reveal that social pressure, campus environment, social media, ineffective financial management, and lack of financial education are the main driving factors of consumptive behavior among KIPK scholarship recipients. The findings also identify negative impacts such as misuse of funds, social jealousy, and misalignment in the implementation of the scholarship program. This research provides important insights to enhance the effectiveness of financial aid programs through a more holistic and sustainable approach.  

Management is a series of activities that include planning, organizing, directing and controlling organizational resources in order to achieve goals efficiently and effectively (Stoner, 2009). In this context, financial management training at Karmel Vocational School is a strategic step to prepare students to face the challenges of the digital era business world. Qualitative research through observations, interviews and documentation studies shows that this training has had a significant positive impact. Students gain an understanding of financial management, online marketing strategies, product innovation, and the use of digital platforms to build brand awareness and measure the effectiveness of marketing campaigns. Apart from that, this training succeeded in developing proactive, creative, innovative and adaptive attitudes which are important in the modern business world. The results of the training showed an increase in students' self-confidence to start an independent business, reduce dependence on formal work, and consider financial management as a career path . To increase effectiveness, it is recommended to expand the scope of training to include e-commerce and data analysis, strengthen partnerships with industry players, and integrate training into the vocational school curriculum. Thus, it is hoped that this training will be able to increase the competitiveness of Karmel Vocational School students, prepare them to face the dynamic business world, and support the sustainability of skills-based learning programs.

The Community Service activities that have been carried out aim to improve the welfare of the people of Doplang Village by optimizing all potential, both natural resources and human resources, to be integrated into the Edupark Agricultural Plantation Tourism Object. This term was chosen because the tourist village that will be created will not only rely on natural potential but also has educational value for tourists who visit this tourist village. There are 3 solutions offered by PGRI University Semarang in the framework of overcoming the problems faced by the Doplang village community, including training in making processed tuberose flowers into healthy preservative-free food, training in MSME financial management and training in Organizational Management, Tourism Management, Tourism Management SOPs , Layout (Master Plan) of Tourist Villages. The results of this program are providing theoretical provisions related to the cultivation of tuberose plants, providing theoretical and practical provisions related to food processing from tuberose plants, providing materials and workshops related to strategies for making tourism products along with tips for their development, and providing theoretical provisions related to Tourism Law.

The business world is currently experiencing very rapid growth, both in manufacturing and services. One form of service business is educational institutions. Educational institutions that are common in society are schools. Schools must be able to provide good-quality facilities so as to produce quality human resources for the next generation.. This research aims to purpose of this research is to calculate the tuition fees of Parlaungan Islamic Middle School.. The research method used is  A qualitative method, descriptive analysis describes the method of determining the SPP rates of Parlaungan Islamic Middle School, which has been applied in the school so far using the Activity Based Costing (ABC) method..  From the results of observations that have been made, it can be seen that in determining the SPP rate, the basis for calculation is the Salary of Teachers and Employees.  The results of this study indicate that the calculation of the SPP rate of SMP Islam Parlaungan has used the Activity Costing (ABC) method, but in determining the rate results, the school rounds down. This is to make the cost allocation more efficient. The SPP rate determined by the school management is IDR 65,000, but based on calculations using the Activity Based Costing (ABC) method, the SPP rate is IDR 65,909 (rounded up) to IDR 66,000. This causes undercost.

This research aims to provide information and knowledge about the implementation of financial management carried out by SMKN 1 Doloksanggul, Humbahas District. The research methodused in this research is a qualitative method. Data collection techniques were carried out by researchers through interviews, note sheets. The research results obtained were that SMKN 1 Doloksanggul prepared a report card for 2024 before entering 2024 in November and December 2023 and the preparation of this report card was carried out by a team called the “BOS Team”. For school financial resources, the school principal forms various policies to obtain addiotional funds to be able to implement each program that has been prepared. Research conducted at SMKN 1 Doloksanggul shows that the implementation of school financial management is quite good.

The research aims to analyze financial management problems faced by students and analyze the role of financial education in improving financial management. This research was conducted using a qualitative approach to the literature study method. carried out by collecting secondary research data from various published research articles and those contained in scientific journals, documents, reference sources that are in accordance with the topic of the role of financial education in improving student financial management. The research results show that students' financial management still needs to be improved and financial education, both formal and informal, is proven to be able to contribute to improving this ability

Generation Z refers to the demographic group consisting of individuals born between the mid-1990s to the mid-2010s. This generation is also known as "Gen Z" or "iGen," and they are a group that is growing rapidly in an era of technology and information that continues to develop rapidly. As the first generation to grow up with the internet, social media and mobile technology, Generation Z is considered the most digitally connected group. They are growing up in an era where access to information is easier than ever. Generation Z is also often considered an intelligent, adaptive and collaborative group. They have become a significant marketing target due to their outsized influence on consumer trends and preferences. In addition, Generation Z is faced with various challenges, including preparing themselves for a dynamic job market, facing social and mental pressures, and being responsible for the impact of technology on daily life. Darurrohman Islamic Vocational School is an educational institution that has long been committed to providing high quality education with an Islamic approach to its students. With a strong vision and mission, this school not only focuses on academic aspects, but also pays special attention to the development of students' character and practical skills. The number of participants who took part in this seminar was 69 people. One of the aspects that is really paid attention to at Darurrohman Islamic Vocational School is awareness of financial management in the Gen Z era which is carried out for Darurrohman Islamic Vocational School students as a collaboration between lecturers and students of STIE Ekadharma Indonesia.

Banks are bodies or institutions that receive credit or loans. In banking finance we need to measure the asset ratio. Asset Ratio is the management of company assets in generating income which is used to evaluate the efficiency of financial management. The Asset Ratio includes a comparison between the company's total assets and the resulting income or net profit. Is the bank efficient in utilizing or using its fixed assets? One method for calculating a bank's asset ratio is the FixediAssets Turnover Ratioi (FATO) and Total AssetsiTurnover Ratio (TATO). Calculating these two analysis methods requires or involves all assets owned by the bank. a bank. In banking, the Fixed AssetsiTurnover Ratio (FATO) is a ratio that measures the effectiveness of a company in using its fixed assetiinvestments toigenerate net sales (services). Total Asset Turnover Ratio (TATO) is usually used to determine how effective a company's total assets are in generating income. From the results of the analysis of the financialistatements of PT. Bank Mandiri (Persero) Tbk in 2017-2021 can be concluded that the Company's activity ratio is still categorized as unfavorable. This is because the measurement of Fixed AssetiTurnover Ratio (FATO) and Total AssetsiTurnover Ratio (TATO) each year experiences fluctuations or is unstable or inefficient in managing fixed assets and total assets in supporting the Company's operations to generate income.

This research aims to develop an efficient and reliable information system for the financial report sorting process at the Office of the Provincial Financial and Asset Management Agency of North Sumatra, using a comprehensive project management approach. The research methodology involves user needs analysis, designing a responsive web-based system, development using the latest technology, and thorough testing to ensure system security and performance. The expected outcome is improved efficiency and accuracy in financial report sorting, with the potential for synergistic integration with existing systems for better public financial management in the region.

This study aims to determine how the accountability of mosque financial management. The mosques that became the researchers' objectives were the Al-Arif Mosque, the Sabilal Muhtadin Mosque, the Nurul Huda Mosque, the Al-Istiqomah Mosque in Binjai City. This research uses a qualitative approach method. The subjects in this study were BKM and mosque administrators and the object in this study was the mosque's financial statements. Data collection techniques are interviews, observation, and documentation. The data analysis technique used in this research is data reduction, data presentation, and conclusion drawing. From the results of research conducted by researchers, none of the mosques used PSAK 45 in the process of managing mosque finances, on average they were still manual and simple. Even though if you use accounting standards in management, the results obtained will be clearer and more detailed. Researchers suggest that the takmir of the Al-Arif Mosque, Sabilal Muhtadi Mosque, Nurul Huda Mosque and Al-Istiqamah Mosque should use PSAK 45 to be a guideline for accounting standards that have been implemented by the Indonesian accounting association contained in PSAK 45 so that the information presented is more relevant and has high comparability so that financial management in the future becomes better and more transparent in carrying out the mandate of the community.  

Financial management is a field of management related to planning, examining, controlling, managing and storing activities carried out by individuals, organizations or companies. The importance of understanding financial management strategies well is not only for workers who already have income, but also for students who will one day enter the workforce and will have their own income. Community service activities with the theme "Financial Management Strategies for Students" carried out at SMK Bina Patriot located in Bekasi were carried out through a seminar method by presenting speakers from lecturers and students. This activity was attended by class XII participants as many as 45 participants. With this seminar, it is hoped that students can understand the importance of planning, managing, and investing their money wisely so as to avoid financial problems in the future. Based on the results of a survey conducted as feedback on this activity, it can be seen that 64.3% of participants stated that this seminar was very useful

As internet technology advances, paying for knowledge has become a popular way of learning. This trend has increased the demand for financial management courses among non-financial majors, such as tourism. With Guilin's geographical advantage, many students in the area are pursuing non-financial tourism majors. Therefore, it is crucial to conduct extensive research on this group's willingness to purchase financial management courses, an essential and valuable topic. The knowledge payment market is developing rapidly. Understanding the purchasing intentions of non-financial tourism majors will help grasp market trends and provide market development directions for relevant institutions. The number of respondents for this study was 380. The results of this study show that students’ purchase intention on management courses for their career development would be impacted by performance expectation, effort expectation, and social impact.    

This research aims to evaluate the performance of management of transfer funds from the central to regional government and its impact on development in Central Kalimantan Province. The method used is descriptive analysis with a qualitative and quantitative approach to measure effectiveness, efficiency and accountability in managing these funds. The research results show that the management of transfer funds in Central Kalimantan has been implemented quite well, but there are still several obstacles in the aspects of budget absorption and supervision. The impact of transfer fund management on regional development can be seen from improvements in infrastructure, education and health. However, to achieve more optimal results, it is necessary to increase the capacity of local human resources and a more effective monitoring system.

Financial literacy is one of the important skills that must be possessed by individuals, especially students, based on situations that require the ability to manage their personal finances. This research uses a qualitative approach with a focus on semi-structured interviews to gather information. The research participants were 12 students with different ages, genders, universities, study programs and faculties. The results of the analysis from interviews showed that students who live in boarding houses or with their parents can apply financial literacy for financial management, even without realizing it. However, financial literacy is more applied to students who live in boarding houses.

It is expected that UMKM will become a leading economic sector in order to achieve its building goals. This is due to the fact that UMKM is one of the few businesses that can thrive in challenging economic conditions. Due to this, in order for UMKM to be able to continue, UMKM has to have sound financial management practices. The first is having accurate financial knowledge and the ability to create financial reports that are needed to formulate business strategies that will eventually emerge. The financial performance of East Sudimara Culinary MSME in Ciledug, Tangerang does not reflect a sound financial performance. Training and mentorship outcomes, such as basic accounting and financial report writing, raise MSME actors' knowledge of the value of the information collected.

This research aims to examine the influence of fintech payments, financial socialization and financial experience on financial management behavior. This research uses quantitative descriptive methods. The population in this study were active students at Muhammadiyah University of Sidoarjo, totaling 12,730 students and used a purposive sampling technique. The sample was determined using the Slovin formula and a sample of 99 respondents was obtained. The research data source is primary data. The analysis technique uses Partial Last Square with Smart PLS 3.0. The research results show that fintech payment, financial experience and financial socialization partially have a significant effect on financial management behavior.