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This research was conducted to analyze the implementation of human relations at PT Federal International Finance. The approach in this study is qualitative with data collection techniques of interviews, observation and documentation. The purpose of this study was to determine the implementation of human relations at PT Federal International Finance and to find out the obstacles in developing the implementation of human relations at PT Federal International Finance. This research refers to Effendy's implementation theory (2020), which has five dimensions. The first is communication which aims to build cooperation within the company. The second is directives to tell the tasks that must be carried out by employees so that employees can find out what the instructions from the leadership are. The third is openness to build harmonization between leaders and employees for the sake of creating openness so that there is no social jealousy. The fourth is mutual respect with the aim that employees and leaders can respect each other. The fifth is loyalty, the important role of a company is having employees who are able to survive in any condition for the sake of building a company. The inhibiting factor for the implementation of human relations is the lack of smooth communication between leaders and employees. In addition, there are barriers to direction, openness, mutual respect, and loyalty which hamper the implementation of human relations.

This study aims to analyze student satisfaction with the administrative services of the Finance Department at STMIK Widuri, utilizing the SERVQUAL method. Effective administrative services are crucial for supporting the quality of higher education and the institution's reputation. Through a questionnaire designed based on the five dimensions of SERVQUAL reliability, responsiveness, assurance, empathy, and tangible evidence data were collected from active students. The analysis results are expected to identify areas for improvement in financial services and provide concrete recommendations to enhance service quality. This research aims to offer insights for decision-makers at STMIK Widuri to improve the efficiency and effectiveness of financial services while meeting student needs. Additionally, the findings are anticipated to enhance STMIK Widuri's image as a responsive institution towards student requirements. The study also emphasizes the importance of understanding student expectations in efforts to improve service quality in higher education.

This Community Service (PKM) aims to improve financial management and digital marketing skills for ecoprint batik groups in Purbalingga. This program is motivated by the needs of craftsmen to develop local economic potential by improving skills in managing finances and utilizing digital technology for product marketing. Through a participatory approach and intensive training, this PKM activity provides an in-depth understanding of good financial management and effective digital marketing strategies. The results of this program show a significant increase in the financial management skills and digital marketing skills of the participants. Thus, this PKM has succeeded in empowering ecoprint batik groups to be more financially independent and able to compete in a wider market through optimizing digital marketing.

This article discusses the relationship between the central and regional governments in the Unitary State of the Republic of Indonesia (NKRI) in the context of regional autonomy. By referring to the 1945 Constitution and Law no. 23 of 2014, this analysis highlights the importance of coordination and supervision between the two entities to achieve effective and efficient government goals. This relationship involves aspects of authority, institutions, finance and supervision, all of which play a role in maintaining the integrity and stability of the government system. In the digital era, new challenges emerge, such as the spread of inaccurate information, which require special attention to ensure fair and inclusive societal participation.

Indonesia Eximbank (LPEI), as a state-owned enterprise under the Ministry of Finance, has a primary focus on export financing. However, LPEI is currently facing challenges in implementing sustainable finance. Sustainable finance is part of the environmental, social, and governance (ESG) roadmap aimed at achieving the 17 Sustainable Development Goals (SDGs). To address these challenges, this report aims to provide a financing alternative aligned with ESG principles. Blended finance was chosen as an appropriate alternative due to its inclusive and collaborative principles, which align with sustainable finance. Additionally, blended finance is expected to address the investment gap in the sustainable sector. By applying this scheme, LPEI can enhance its contribution to ESG implementation while expanding financing access for more exporters.

Optimizing education management in schools is a strategic step to achieve superior education quality, where various aspects such as human resource development, utilization of facilities and infrastructure, and education supervision play an important role in creating a conducive learning environment and responsive to student needs. The purpose of this study is to examine more deeply the role of education management in realizing quality schools. The research method to be used in this study is a literature study approach, in which data and information will be collected from various academic sources, such as books, journals and relevant articles on education management and quality schools. The results of this study show that effective education management plays a key role in creating quality schools through key components such as human resources, facilities and infrastructure, finance and education supervision. Each of these components works synergistically to support optimal learning processes, although they often face challenges such as limited resources, resistance to change and lack of stakeholder support. Through collaborative strategies from various parties, including the government, community and parents, schools can overcome these obstacles. Optimizing education management complemented by educational supervision helps improve the professional quality of teachers, curriculum and school management, and builds a culture of continuous evaluation. This synergy results in schools that are qualified, adaptive and able to respond to the demands of today's education.

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.

The Author, 2024. The Influence of Female Audit Committees, Audit Committee Work Experience, and Audit Committee Accounting & Finance Education on the Value of Manufacturing Companies (In Manufacturing Companies Listed on the Indonesia Stock Exchange in 2019-2022). Thesis Department of Accounting, Faculty of Economics and Business, Palangka Raya University. Supervisor: Dr. Fitria Husnatarina, SE., M.Si., Ak., CA and Rini Oktavia, SE., M.Sc. This research aims to explain the influence of female audit committees, audit committee work experience, and audit committee accounting & finance education on company value. This research uses secondary data, the population used in this research is manufacturing companies listed on the Indonesia Stock Exchange in 2019-2022. The sampling technique in this research was using a purposive sampling method. There are 23 manufacturing companies that meet the sample criteria in this research, so the observation data amounts to 92. The data analysis method in this research uses SPSS statistical tools with multiple regression analysis equations. The research results show that: (1) The existence of a female audit committee has an influence on increasing company value significantly; (2) Audit Committee Work Experience has a positive and significant effect on Company Value; and (3) Audit Committee Accounting and Finance Education has a positive and statistically significant relationship to Company Value.

This research aims to determine strategies for developing beef cattle farming to increase farmers' income in Bangkali village, Watopute District, Muna Regency. Determining the research area was carried out purposively with the consideration that Bangkali Village, Watopute District, Muna Regency has great potential for the development of beef cattle. There were four informants in this research, including the Animal Husbandry Service, Breeders, Extension Institute and Financial Institutions. Data analysis uses Analitycal Hierarchy Process (AHP) analysis. The results of the research show that the priority strategy for developing the beef cattle business to increase farmers' income in Bangkali Village, Watopute District, Muna Regency is capital/finance weight 316, Increasing Marketing weight 275, Increasing human resources weight 206, and increasing production weight 203 with an inconsistency of 0.02

This paper discusses how Islamic law (Syariah) demonstrates flexibility in various aspects of modern life, including economics, technology, and social customs. Five specific examples of flexibility are explored to show how Syariah adapts to modern challenges. The study examines Islamic finance, medical technology, and cultural adjustments to illustrate that Syariah provides practical solutions while maintaining core principles.

This community service program aims to socialize the importance of early saving habits to children using an Islamic financial approach, while also contributing to the village of Jaranguda in environmental preservation through the creation of organic and non-organic trash bins. The activities included preparation, socialization of the program, and participation in various social activities, such as group exercises, religious recitations, and the Independence Day celebration. Furthermore, the program developed the creativity of RA Nur Ilmi kindergarten students through games and skill-based activities. The results show that the program successfully fostered positive relationships between the students and the local community, raised awareness about the importance of saving and environmental management, and provided valuable experience for students in applying their knowledge within the community. The program is expected to continue with the support of various stakeholders to generate more long-term and significant impacts.

Discussing taxation, taxes have a very urgent position in the discussion of state life. Because taxes are funds that are really needed to finance most of the expenditure for the development of the country so that it is hoped that it will bring prosperity to society. This research was conducted to find out about the form of the tax socialization program held by KKN students and how the community responded to the existence of the tax socialization program using qualitative research methods. The results of this research show that the socialization program was held by UNMAS Mojokerto KKN students

One of the roles of the Bank Perekonomian Rakyat (BPR) is to provide credit to improve the economic welfare of the lower middle class through micro and small business services. However, the provision of BPR credit is prone to misappropriation, one of which is used as an election campaign fund. This research is a legal research in analyzing the problem using literature study which is analyzed qualitatively. The results obtained from this research are that the misuse of BPR credit used as campaign funding can be suspected of being a criminal act of corruption and money laundering because it is obtained from state finances and there are indications of disguising and hiding money. The source of state finances provided to BPRs can be viewed in terms of state capital participation in the form of securities and the provision of facilities provided by the government. In anticipating campaign funds originating from criminal acts, the Badan Pengawas Pemilu must cooperate with other parties such as the Public Accounting Office to conduct campaign fund audits and related law enforcement officials such as the Pusat Penelusuran dan Analisis Transaksi Keuangan and the Corruption Eradication Commission to prevent and prosecute the use of money from corruption crimes for campaign funding.

Learning based on Zakat, Sedekah, and Infaq (ZIS) plays a significant role in shaping students' character, particularly in moral, emotional, and social aspects. This study aims to identify efforts to enhance ZIS learning that can be implemented at SDN 105337 Pantai Labu. The research employs a qualitative approach with interview, observation, and documentation techniques. The results reveal that the implementation of ZIS-based learning not only improves students' understanding of Islamic finance concepts but also positively impacts the development of moral character, such as empathy, social awareness, and collaboration skills. Furthermore, students involved in the ZIS program demonstrate improvements in emotional aspects, including emotional management and self-confidence. This study recommends the integration of ZIS learning into the school curriculum to foster a more caring and responsible generation.

This study aims to identify and analyze the strategies for strengthening Micro, Small, and Medium Enterprises (MSMEs) and sharia financial literacy in Tanjung Gusta Village through the implementation of digital promotion. The village has many untapped MSME potentials, with major challenges in market access and sharia financial understanding. Digital promotion and sharia financial literacy training were provided to business owners to enhance their ability to expand market reach and manage finances according to sharia principles. The research method used includes observation, in-depth interviews, and case studies. The results indicate that the implementation of digital promotion through social media significantly increased MSME product visibility, while sharia financial literacy helped business owners improve financial management, reduce consumptive behavior, and avoid financial risks that are not aligned with sharia principles. This strategy is considered effective in strengthening MSMEs and empowering the community in a sustainable manner.

The integration of health insurance with Fixed Deposit Receipts (FDR) and Deposit Pension Schemes (DPS) represents a significant innovation in the banking sector, offering new opportunities for financial institutions, insurers, and consumers. This paper explores the potential of merging health insurance with FDR/DPS schemes, focusing on how such integration can enhance financial inclusivity and healthcare accessibility, particularly in developing countries.  The study outlines the theoretical framework supporting this integration and analyzes the associated challenges, including regulatory and operational barriers.  It also highlights the potential benefits for banks, such as customer base expansion and increased savings attraction, while offering consumers the dual advantage of financial security and health coverage. Through a case study of the banking sector in Bangladesh, this paper provides insights into how such models can be implemented in emerging economies. Additionally, we address the barriers to successful integration, including regulatory hurdles and consumer awareness. The findings indicate that this integration could serve as a strategic tool for banks to broaden their customer base and contribute to the healthcare system's resilience.   Finally, the paper discusses policy implications and future trends, emphasizing the role of technology in facilitating these hybrid financial products.  This research contributes to the growing body of knowledge on the intersection of finance and healthcare, offering strategic directions for stakeholders in both sectors

This Real Work Lecture (KKN) program was carried out by students of the Muhammadiyah University of North Sumatra in Telaga Pure Village, Langkat Regency. This activity focuses on observing and analyzing the influence of lack of knowledge and saving habits on personal financial management among students. Through this service, students help and educate the public on the importance of knowing and getting used to saving from an early age among students. The main aim of this activity is to increase awareness and knowledge as well as the habit of saving which will have a long-term impact on individuals who implement this. This program consists of several activities, outreach and mutual cooperation activities to maintain a clean environment. The results of this activity show that the impact of the lack of this is still negative and we will continue to try to find a solution. Apart from that, students also succeeded in educating and socializing the importance of knowledge and the habit of saving for personal finances among students. 

This outreach program aims to increase financial literacy among Generation Z students at Satrya Budi Trade Vocational School through the introduction of simple financial reports and entrepreneurship. In the digital era which is characterized by easy access to information, understanding personal financial management and entrepreneurship is very important. This activity involves interactive presentations, financial recording simulations, and group discussions to provide hands-on experience to students. The evaluation results showed an increase in students' understanding of financial and entrepreneurship concepts, with participants being successful in answering evaluation questions well. With this program, it is hoped that students can develop the skills needed to manage finances and start a business in the future.

The Economic Literacy Development Program for Maryke Village aims to improve community welfare through the utilization of local resources, particularly in managing small businesses like broomstick production. The community’s limited understanding of economic literacy has hindered their ability to manage finances and optimize local economic potential. This research employs a qualitative methodology with a participatory approach, collecting data through observations, in-depth interviews, and group discussions with the community and local stakeholders. The results indicate that the program successfully enhanced the community’s understanding of economic literacy, particularly in financial management and business planning. Participants of the program began to manage household budgets, save regularly, and develop local resource-based businesses. Increased productivity and income were observed in the broomstick production business after the training. The program not only improved the community's awareness of the importance of economic literacy but also encouraged them to use local resources more effectively and sustainably, leading to a positive impact on their welfare.

This research aims to discuss sinamot in the Toba Batak tradition and find out that sinamot is a social stratification of the Toba Batak traditional community in Amborgang Village, Siempat Nempu sub-district, Dairi Regency. Method The research used is qualitative research with a descriptive approach. The author uses data collection techniques include observation, interviews and documentation. Based on research that has been carried out, the author obtained the results that the meaning of sinamot in the Toba Batak ethnic group is marriage payments in the form of money and wealth given by the paranak (male) to the parboru. (Woman). Furthermore, based on research, the function of ancient sinamot among the Toba Batak ethnic group was to Guarantees women’s rights in the form of property given as capital for the bride and groom when they marry, while the function of sinamot today in the Toba Batak ethnic group is a means of payment used to finance traditional wedding parties. Changes in the function of sinamot in the past in the Toba Batak ethnic group have changed, seen from its form which has changed into money, its function is to finance wedding parties and the process of giving sinamot is determined based on the considerations of both families. Future bride and groom. The conclusion shows that the form of sinamot evolved from valuable possessions changed Form into money. The determination of the number of sinamot is carried out at the stage of the marhata sinamot traditional event.  As time goes by, the tradition of giving sinamot to the Toba Batak ethnic group in ancient times has changed its function in the present day so that sinamot is no longer aimed at women but is given to the woman’s parents through a negotiation process between the two familie.