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Good financial planning can create operational effectiveness in educational institutions. This article analyzes the importance of financial planning in school management, covering aspects such as the development of facilities and infrastructure, the improvement of student learning quality, and teacher welfare. The research method used is quantitative with a library research approach, where data is obtained from various scholarly articles and relevant books sourced from Google Scholar. The findings indicate that schools effectively apply for funding and evaluate fund utilization annually. Poor financial planning can disrupt school operations, leading to issues such as delayed teacher salaries, insufficient learning facilities, and other challenges. To achieve effective financial management, technological mastery is essential to ensure operations that are effective, efficient, and accountable.

The purpose of this community service is to provide a better understanding of Ulos weaving business actors in Sigaol in order to make regular business financial administration and to provide knowledge to Ulos weaving business actors in order to make business financial planning effectively. The method used is to introduce and socialize community service programs to ulos weavers to convey the background and objectives of the activity, introduction and training in making business plans, making profit and loss statements, balance sheets and financial reports and conducting evaluations to determine the success of the training that has been given to Ulos weavers. The ulos weavers in Sigaol Timur Village are still in the stage of starting their business and are currently included in the MSME group.  Currently there are around 20 weavers who are members of the Bintang Maratur Ulos Weaving Group.  This community service activity was carried out well and is expected to provide an outcome where the ulos business owners in Porsea and their employees get motivation and are expected to increase their competence, especially in terms of financial management so that they can have a higher competitive advantage.

This community service aims to improve the entrepreneurial competence of the Mekar Jaya Village community, Cilamaya Kulon District, Karawang Regency, through training and mentoring for local potential-based businesses. A qualitative approach was used in this activity by involving observation, interviews, and focus group discussions (FGD) with the community and micro-business actors. The program implementation includes three stages: preparation, training, and mentoring. The results of the activity show that the community has great potential in developing local products, but faces obstacles such as lack of knowledge of business management, digital marketing, and product innovation. Through entrepreneurship training, there was an increase in participants' understanding in managing a business, especially in terms of financial planning and marketing strategies. Business mentoring helped participants apply the knowledge they had gained, which was seen from the increase in product quality and market access. The findings also revealed that the success of the activity was greatly influenced by the enthusiasm of the participants and the active involvement of the facilitators. This activity has a positive impact on increasing public awareness of the importance of entrepreneurship as an effort to improve economic welfare. This program is expected to be a model of sustainability that can be applied in other villages by adjusting to their respective local needs and potentials.

Economic literacy education and personal financial management have an important role in preparing the younger generation to face future economic challenges. The aim of this service is to increase students' understanding of SMK Nurcahaya Medan about economic literacy and how to manage personal finances effectively. This activity is carried out through counseling, interactive discussions and financial management simulations. The results of this activity show an increase in students' knowledge regarding basic economic concepts, budget management, and the importance of financial planning. With this activity, it is hoped that students can practice wise financial management in everyday life.

The aim of this research is to develop an effective strategy for family financial planning by utilizing secondary data obtained through literature studies. In today's consumer-driven society, managing finances wisely is essential to avoid impulsive spending and achieve long-term financial stability. The study identifies several key strategies that families can adopt to improve their financial behavior and planning. These include: (1) creating a budget and following it with discipline, (2) applying the “24-hour postpone” rule to avoid impulsive purchases, (3) reducing exposure to advertising, (4) focusing on long-term financial goals, (5) evaluating monthly shopping habits, (6) learning from personal desires instead of condemning them, and (7) reducing debt gradually. By implementing these strategies consistently, families can build better spending habits, avoid excessive consumer behavior, and work towards more sustainable financial well-being. These insights serve as a practical guideline for financial literacy and behavior modification in everyday family life.

Bankruptcy is one of the main threats to business sustainability, especially for micro, small, and medium enterprises (MSMEs). This article explores the importance of financial planning, accurate record-keeping, and cash flow management strategies to mitigate bankruptcy risks, focusing on a case study of Rumah Makan Fajar Jeumpa. The findings reveal that irregular transaction recording, ineffective cash flow management, and the absence of structured financial strategies are key factors contributing to financial vulnerability. By implementing simple financial record-keeping systems, creating budget projections, and diversifying income sources, MSMEs can enhance operational stability and reduce financial risks. These findings emphasize that comprehensive financial planning, supported by adequate financial literacy, is crucial in ensuring business sustainability and fostering MSME growth.

Financial management is one of the key factors in determining the success of a company, especially for Micro, Small, and Medium Enterprises (MSMEs) in the digital era. This study aims to analyze the literature that discusses the influence of financial management practices on MSME performance, considering the role of digital technology in financial management. This study explores key aspects of financial management, such as financial planning, budget control, cash flow management, and investment, and how the application of technology can improve its efficiency and effectiveness. The results of the study show that the use of digital technology, such as cloud-based accounting applications and digital payment systems, can improve the accuracy and speed of financial management, which ultimately has a positive impact on MSME performance. This study provides important insights for MSME actors and policy makers in integrating digital technology to strengthen financial management and improve business competitiveness.  

Although financial management is a vital life skill, many teenagers lack the knowledge and habits to make good financial decisions. This program aims to fix this by giving teens practical financial management skills and encouraging forward-thinking attitudes toward money.The primary goal is to help participants understand fundamental financial concepts such as budgeting, saving, investing, and debt management. To ensure engagement and practical application, the program uses a mixed-methods approach by incorporating workshops, interactive activities, and real-life case studies. Key findings show that participants' capacity to create budgets, save regularly, and make wise financial decisions significantly improved after completing the program. Additionally, the seminars raised awareness of the significance of financial planning for long-term objectives like business or higher education.This effort has broad ramifications as it helps create a generation of financially educated people who are better equipped to handle financial difficulties and take advantage of opportunities in the future. Similar initiatives in communities and schools throughout the world can be built around this paradigm.

This study explores the application of the design thinking approach in the pre-planning phase of subsidized homeownership for Generation Z in Indonesia. As Generation Z enters adulthood and begins to plan for the future, they face various challenges in achieving homeownership, particularly regarding financial issues and access to subsidized housing programs. The design thinking approach is used to gain a deeper understanding of the needs, desires, and barriers faced by Generation Z through the stages of empathy, problem definition, ideation, prototyping, and testing. By focusing on innovative and user-centered solutions, this research aims to design a more relevant and acceptable subsidized homeownership model for Generation Z. The findings of this study are expected to provide insights for housing developers and policymakers in designing more efficient and appropriate housing policies and programs that align with the socio-economic dynamics of Generation Z.

UMKM is an economic platform for the community which is a basic component in the development of economic pillars starting from the lowest level, small and medium enterprises (UKM/UMKM) are types of companies in Indonesia which are owned by individuals or business entities in accordance with the criteria set by Law No. 20 of 2008. UMKM is able to defined as business run by individuals, households, or small-sized business entities. The classification of UMKM is based on limits on annual revenue turnover, total assets, and number of employees. The development and quality improvement needs to get serious support for its further growth, this is not only in terms of capital and ease of doing business, but also needs to be done in terms of management up to the ability of the perpetrators, one of that the UMKM perpetrators must learn about management, especially in financial management, starting with simple things such as preparing a cash book. Most UMKM are run by individuals who do not have special skills. UMKM run as they are and do not have a good financial planning system and financial management system, this is one of the weaknesses of UMKM, so they cannot make plans for future business development. The cash book preparation training aims to increase the financial management capacity of Micro, Small and Medium Enterprises (UMKM). The training method is designed to provide a basic understanding of accounting principles, financial statement preparation techniques, and practical applications that are relevant to the needs of UMKM. This training program is expected to improve the quality and financial performance of UMKM, so that they can be more competitive and sustainable in the market.

Good financial management is an important aspect of student life, especially for those studying economics. Economics students are expected to have a deep understanding of personal financial management and long-term financial planning. However, not all students have the same ability to manage finances. This research aims to analyze the factors that influence the financial management patterns of students at the Faculty of Economics and Business, Brawijaya University. This research uses a quantitative research method with a cross-sectional survey design, namely, data was collected from 50 students through a structured questionnaire. The research results from this method show that the factors that influence the financial management of economics students are  monthly income, knowledge about finance, attitudes toward financial management, experience in financial management, social support, and personal financial needs and goals. Suggestions that can be given to university is to provide guidance to their students include holding regular training on financial management, inviting financial experts to give seminars or guest lectures, and holding student financial counseling.

Digitalization in the payment system has brought significant changes in people's behavior, including among generation Z (Gen-Z). One of the most prominent innovations is the Quick Response Code Indonesian Standard (QRIS), which offers convenience, speed, and accessibility in transactions. This study aims to analyze the impact of implementing QRIS payments on the financial planning culture of Gen-Z, known as the digital native generation. This study uses a quantitative approach with a survey method on a number of respondents from Gen-Z. The results of the study show that the use of QRIS has positive and negative impacts on their financial planning habits. On the one hand, QRIS makes it easier to manage daily financial transactions, such as automatic recording and easy cashless payments. On the other hand, this convenience also has the potential to increase consumptive behavior due to too fast access and minimal direct control over spending. This study highlights the importance of financial education to increase Gen-Z's awareness in using technology wisely to support better financial planning.  

The aim of this activity is to improve the ability of tofu entrepreneurs to manage their business finances well, so that they can support the sustainability and development of tofu businesses in Kalikidang Village. The implementation methods used include socialization and financial management training, including recording transactions, preparing simple financial reports, and financial planning. The results of this activity show an increase in the understanding and skills of tofu entrepreneurs in managing their business finances. The impact of this service is increased efficiency and effectiveness in financial management of tofu businesses, which is expected to contribute to increasing income and welfare of entrepreneurs. The output obtained from this activity includes financial management training modules, activity reports, and documentation of training implementation. Thus, this PKM activity succeeded in making a positive contribution to the development of the tofu business in Kalikidang Village.

Household financial management is a crucial factor in maintaining family financial stability, particularly in the face of economic uncertainty. This study examines the strategies employed by households in managing their finances, including budgeting, expenditure control, savings, and investment, as well as the challenges encountered during economic crises. Through a combination of literature review and case studies, the research reveals that households with clear financial planning and adequate emergency funds are more resilient in times of crisis, such as the COVID-19 pandemic. Factors such as income levels, education, and financial literacy significantly influence household financial decisions, while consumption patterns driven by social media often present a challenge. Effective strategies identified include strict budgeting, reducing non-essential expenditures, and prioritizing long-term savings and investments. This study underscores the importance of financial literacy and awareness in household financial management as key to achieving financial stability amidst global and domestic economic uncertainties.

These financial problems are the inability of students to manage their own personal money (monthly money from parents), lack of financial planning habits, lack of financial control by parents. So this journal was made to find out whether there is an influence of financial education in social (family) organization on the personal financial management of undergraduate students at the Faculty of Economics and Business, Makassar State University. This type of research is causal associative research, or a causal relationship with a quantitative approach. This can be seen from the probability (sig.) = 0.009 ttable = 2.676 > 1.998 and from the probability (sig.) = 0.000 ttable (4.158 > 1.998). So that it is known that the influence of family finances and financial literacy together has a positive and significant effect on personal financial management and also the influence of family finances has a positive and significant effect on the personal financial management of S1 students of Management, Department of Economics, Makassar State University.

This research is research with a quantitative approach carried out at the Directorate of Yogyakarta State University. This research aims to determine whether or not there is an influence of budget planning, bureaucratic environment, budget evaluation on budget absorption with management commitment as a moderator. The data collection method in this research is a questionnaire. The sampling method used was the purposive sampling method. The population that was the object of research was the financial planning and management team at the Directorate of Yogyakarta State University. The sample in this study was 100 members of the Directorate of Yogyakarta State University. Hypothesis testing was carried out with Partial Least Square (PLS) through the SmartPLS 4.0 program. Based on the research results with a significance level of 5%, the conclusions obtained are: (1) There is a positive and significant influence of Budget Planning on Budget Absorption with at statistic of 3.255 and a significant value of 0.001; (2) There is a positive and significant influence of the Bureaucratic Environment on Budget Absorption with at statistic of 2.410 and a significant value of 0.008; (3) There is a positive and significant influence of Budget Evaluation on Budget Absorption with at statistic of 1.688 and a significant value of 0.046; (4) Management Commitment strengthens the positive influence of Budget Planning on Budget Absorption with at statistic of 2.071 and a significant value of 0.019; (5) Management Commitment does not strengthen the positive influence of the Bureaucratic Environment on Budget Absorption with at statistic of 0.534 and a significant value of 0.297; (6) Management Commitment strengthens the positive influence of Budget Evaluation on Budget Absorption with at statistic of 1.685 and a significant value of 0.046.    

The administration of government in Indonesia is based on a systemic approach which includes a central government system, called the government, as well as a regional government system. In the practice of government administration, there are concepts of centralization and decentralization that regulate the relationship between central and regional governments. The concept of centralization reflects the characteristic where all authority for administering government is centered in the central government, while the concept of decentralization shows the characteristic where some authority for government affairs, which was previously the responsibility of the central government, is delegated to regional governments . According to Law Number 23 of 2014 concerning Regional Government, the Regional People's Representative Council (DPRD) has a clear position as an integral regional people's representative institution in the administration of government at the local level. DPRD is not just a representative institution, but is also an inseparable part of the regional government structure. The function of the DPRD includes three main aspects, namely legislation, budgeting and supervision. (Kasenda et al., 2020). In an effort to realize this target, the Regional People's Representative Council (DPRD) needs to take concrete steps that can optimally strengthen its role in the context of regional government. The APBD is the implementation of the people's wishes for the government through the DPRD to improve welfare and services to the community. APBD is also the regional government's annual financial planning which is approved by the DPRD and made into policy through regional regulations. As a legislative institution, the DPRD has the responsibility to supervise the use of the budget and the implementation of regional government programs. Effective supervision is expected to increase transparency, accountability, and ensure that the benefits of the programs designed are truly felt by the community, especially those who need it most. Based on this description, the author is interested in conducting further research on the function of the Deli Serdang Regency DPRD in implementing the Regional Revenue and Expenditure Budget in the Development Sector. In formulating regional government policies, both from the executive and legislative branches, the orientation is to pay attention to the welfare of the people. Based on the results of the analysis and discussion, the conclusion is that direct supervision has a positive and significant effect on the effectiveness of supervision. Direct supervision has a positive and significant effect on APBD implementation. Indirect supervision has a positive and significant effect on the effectiveness of supervision. Indirect supervision has a positive and significant effect on APBD implementation. The effectiveness of supervision has a positive and significant effect on APBD implementation. Direct supervision has a positive and significant effect on APBD implementation through the effectiveness of supervision. Indirect supervision has a positive and significant effect on APBD implementation through the effectiveness of supervision.

This study aims to analyze the financial planning and management in Glagahwero Village, Panti Subdistrict, Jember Regency. Based on the Village Law and related regulations such as Ministry of Home Affairs Regulation (Permendagri) No. 20 of 2018 and No. 114 of 2014, this research highlights the steps involved in the planning, execution, and reporting of village finances. A qualitative approach was used with a case study involving interviews with village officials and analysis of relevant documents. The results show that the village's financial planning aligns with current regulations, though challenges remain in its implementation, such as limited understanding of new regulations among village officials and social issues related to the use of private land. This study emphasizes the importance of improving regulatory understanding and increasing community participation in the village financial planning process to achieve optimal transparency and accountability.

This study promotes pension funds among MSMEs in Malioboro, Yogyakarta, to increase awareness and understanding of pension planning. Many MSMEs lack knowledge of pension funds, leading to inadequate financial preparation. Socialization methods, including seminars and brochure distribution, effectively conveyed information and increased awareness. Despite challenges, the study found a significant increase in awareness and interest in pension funds among MSMEs. Socialization is an effective way to increase awareness and understanding of pension funds among MSMEs, supporting their financial future.

Financial management is a key aspect in achieving financial well-being of the community. However, the level of financial literacy in Indonesia is still low, requiring education and development of financial literacy to reduce ineffective financial decisions. The Financial Services Authority (OJK) and Universitas Gadjah Mada (UGM) are actively encouraging the improvement of financial literacy, with a focus on education, national campaigns, strengthening infrastructure, and developing affordable financial service products. Financial literacy, which includes knowledge, understanding, skills, and motivation in making financial decisions, has a positive impact on financial management behavior. Individuals with higher levels of financial literacy tend to make better financial decisions, avoid investment fraud, and understand the principles of financial planning. However, income also plays an important role as a moderator, influencing the relationship between financial literacy and financial management. Individuals with low incomes tend to have lower financial literacy, which can affect their financial management practices. Therefore, challenges such as behavioral bias and external factors can affect financial literacy and its management implementation.