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Sharia people's credit bank (BPRS) is an institution that carries out business activities based on sharia principles and in its activities does not provide services in payment traffic. The level of interest in PT. Many BPRS Al Washliyah choose murabahah financing. This high level of murabahah financing activity can cause high risks faced by the entity providing the financing. Risk management is an effort that must be made to minimize the possibility of loss risks that may occur as a result of problematic murabahah financing transactions. The conclusion from these results is that murabahah financing risk management faced by PT. BPRS AL-Washliyah Medan, namely by persuasive means, if this method cannot be a solution to the existing problems, then PT. BPRS Al-Washliyah Medan resolved this by means of collateral, namely the confiscation/sale of collateral

Discounts and promotions are the main motivation, while most feel that the financial risks outweigh the benefits. This research aims to highlight aspects of financial risk associated with adolescent consumption choices in the e-commerce era so that this study contains an analysis of the impact of using the "PayLater" option on Shopee on adolescent consumption behavior, focusing on financial implications and usury perspectives. The method used in this study was qualitative and literature with research subjects of adolescents aged 17-21 years. The results of this study show that the use of the "PayLater" option on Shopee affects teenagers' consumption behavior in a complex way. The majority of teenagers have a neutral point of view influenced by friends and Shopee promotions.

In today's era and the changing and needs regarding a good health system, health insurance has a very important role in supporting universal access to health services and protecting individuals and families from unexpected financial risks. Thus, this research aims as an educational material for the wider community, especially in Indonesia, which is actually in dire need of health insurance but still in doubt about its benefits and financial value. In this research, the author uses a qualitative research approach in the form of a library study (Library Research). The result of this research is that Simas Sehat Gold Insurance for customers has many benefits including: (1) Customers can already enjoy a cashless system. (2) Customers under the age of 50 do not need a medical examination. (3) Simas Sehat Gold Insurance can be paid in installments per month through a Visa or Mastercard credit card. (4) There is free personal accident insurance worth Rp 10 Million. (5) There are emergency medical evacuation guarantees around the world. And the advantages of Simas Sehat Gold insurance products include using a cashless system and products from PT. Sinar Mas Insurance has a wider range of hospital providers or partners so that customers are easier to find and receive by the hospital.

This community service activity through mentoring and fostering Qur'an literacy activities is important in supporting the development of one's Qur'an literacy skills. Research and field practice show that ongoing effective mentoring can help children to gain a better understanding of the content of the Qur'an. The main focus of this mentoring and guidance is to improve the ability to read and write the Qur'an thoroughly and accurately, as well as ensure a deep understanding of the meaning and context of the verses of the Qur'an. This mentoring and coaching involves various methods and techniques, such as the use of interactive approaches, repetitive exercises, the use of educational technology, and the strengthening of tajweed skills. The ultimate goal of this mentoring and coaching is to create a learning environment that supports, motivates, and strengthens the individual's spiritual connection with the Qur'an, thus fostering continuous personal growth and strong character development in accordance with Islamic teachings

A community service scheme for implementing science and technology has been carried out from Srwiijaya University funding sources. Community service is carried out at the Ittifaqiah Islamic Boarding School for women in Indralaya, Ogan Ilir, South Sumatra. Participants who attended were 60 Islamic boarding school students in the science class, 10 science teachers and 2 Ittifaqiah administrators. Community service was carried out using lecture methods and demonstrations of making liquid lipstick in front of female students and teachers. The natural ingredients used in making lipstick in this service activity are beet root extract, virgin coconat oil (VCO), soy lecithin, gum Arabic, food flavors and food preservatives. There were 20 organoleptic tests carried out on Unsri female students on the liquid lipstick made in this service activity. Fifteen people said they really liked it, 3 people said they liked it quite a lot and 2 people said they liked the product a little. The survey on the results of service activities showed that 50 female students said they really understood how to make liquid lipstick, 8 students said they understood quite well how to make liquid lipstick with the red color of beetroot and 2 female students said they understood a little.

This research is entitled Financial Ratio Analysis in Assessing Financial Performance (Case Study of PT. Arthavest Tbk Listed on the IDX 2018-2022). The purpose of this research is to find out how the company PT. Arthavest Tbk for the 2018-2022 period using Liquidity Ratios, Activity Ratios and Profitability Ratios. This research method is descriptive research with a quantitative approach, namely by collecting, processing and interpreting the data obtained so that you can get a clear picture of the situation being studied based on numbers. The data collection technique is obtained from documentary evidence which contains data relevant to the object of the research carried out, namely by collecting PT financial report data. Arthavest Tbk. obtained from the Indonesian Stock Exchange (BEI) website, namely www.idx.co.id. The results of this research indicate that PT. Arthavest Tbk for the 2018-2022 period tends to remain unstable, however, the company's liquidity ratio has been able to fulfill its short-term obligations by obtaining current assets that are greater than its current liabilities

The purpose of this research is to find out what factors in financial performance influence the growth of profitability at Bank Danamon and to find out whether company size at Bank Danamon can affect the growth of profitability at Bank Danamon. In conducting this research, the researcher was guided by previous studies and the research method used in this method was quantitative research and for the validity of the data, the researcher took samples from the official Danamon bank financial reports that had been published and had been processed by the researcher. The results of the analysis in this study show that the Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), and company size have a significant positive influence on bank Danamon TBK's profitability, while Net Interest Margin (NIM) and BOPO have no effect on the profitability of bank Danamon Tbk.

There are various e-commerce sites, one of which is Shopee, which utilizes financial technology or what is known as financial technology (Fintech) in the form of Shopeepay. Many factors can influence interest in using fintech including perceived ease, trust, effectiveness and features of use. This study aims to determine the effect of perceptions of convenience, trust, effectiveness and usage features on interest in using Shopeepay fintech. This research method is descriptive quantitative, the population in this study are regular UPGRIS management students class of 2018 and class of 2019 who are willing to fill out a research questionnaire with a total of 100 respondents, the sampling technique used is accidental sampling. Data collection was carried out through a questionnaire. Data analysis was carried out through validity and reliability tests, multiple regression analysis and hypothesis testing. Based on the data analysis conducted, it was found that perceived convenience has a positive and significant influence on the intention to use Fintech Shopeepay with a significant value of 0.001, trust has a positive and significant influence on the intention to use Fintech Shopeepay with a significant value of 0.048, effectiveness has a positive and significant influence on the intention to use fintech Shopeepay with a significant value of 0.000, features of use have a positive and significant influence on interest in using fintech Shopeepay with a significant value of 0.043. This means that the influence of perceptions of convenience, trust, effectiveness and features of use has an effect on interest in using Shopeepay fintech.

UMKM make a significant contribution to Indonesia's economic growth. IAI released the rules for making financial reports for UMKM after realizing the important role played by UMKM. The purpose of this study is to examine how the Kedai Oblong company, one of the micro, small and medium enterprises in Jambi City, prepares its financial reports in accordance with the Micro, Small and Medium Entity Financial Accounting Standards (SAK EMKM). Descriptive techniques are used in the qualitative methodology of this study. This is done by examining the financial records of Kedai Oblong and applying the financial reports according to SAK EMKM. The findings of this study indicate that the financial statements of Kedai Oblong have influenced the financial statements of other companies, it's just that the reports they made have not been prepared according to the EMKM financial standards that have been in effect since January 1 2018, the application of EMKM SAK in presenting income statements has a lower difference than the calculation report made by the oblong shop. The author uses SAK EMKM in the results and discussion to prepare the presentation of financial reports at the Oblong Shop in accordance with the applicable SAK EMKM standards and rules.

The aim of this research is to determine the impact of tornado victims in Ranca Ekek, Sumedang Regency and Cicalengka, Bandung Regency. Empowerment of tornado victims. The research method uses a qualitative approach that describes events in locations affected by tornadoes. Data collection techniques were interviews with several victims, RW administrators and RW administrators, observation at the location, photographing the condition of the places and houses of residents affected by the tornado. Literacy studies related to the tornado phenomenon include books and the internet. Conclusion The impact that occurred on the victims resulted in damage to people's houses and sales stalls on the side of the road so that they had no shelter to take shelter in and lost a place to sell. Empowerment of residents affected by tornadoes, consisting of 5 affected sub-districts, namely Rancaekek, Cicalengka and Cileunyi sub-districts, Bandung Regency, as well as Mangunraja and Jatinangor sub-districts, Sumedang Regency. Erected tents for around 121 residents, provided treatment to around 113 residents with minor injuries and 10 moderate injuries. In the future, the Regent of Sumedang and the Regent of Bandung will allocate assistance to the community so they can rebuild houses and kiosks for selling.

This article discusses the implementation of adequate accommodation policies for students with disabilities at the University of Muhammadiyah Jakarta. The purpose of this study is to determine the implementation of adequate accommodation policies for students with disabilities at the University of Muhammadiyah Jakarta. The research method used is a descriptive method with a qualitative approach and uses the theory of Edward III. The result of this study is that the University of Muhammadiyah Jakarta has implemented the regulation, but it has not run optimally because there are several obstacles such as infrastructure that has existed long before the entry of students with disabilities, limited budget devoted to disability infrastructure, and there has been no special training for staff / employees so that it has not produced excellent service for students with disabilities.

Empowerment activities at the Al Falah Kemayoran Foundation are a positive step in improving the quality of life of disadvantaged children. This article reflects an introduction to empowerment innovations through drawing, coloring and general knowledge questions and answers in orphanages. The activity implementation method involves a training and mentoring approach, by providing theory, direct practice, and question and answer sessions. The results of the drawing and coloring activities show the participants' success in carrying out these activities neatly. Meanwhile, general knowledge question and answer activities also went well, showing the children's active participation. During the activity, the empowerment team aims to make a positive contribution by increasing the skills, knowledge and creativity of orphanage children. Material assistance, providing new skills, and creating a positive environment are the focus of the team. Awareness of the need for donations and support from the community was also raised as an important aspect. The conclusion of this activity emphasizes that through collaboration between the orphanage, the empowerment team, and the community, an environment that supports the development of orphaned children can be created. Financial and material support is a key factor in ensuring the education and welfare of children at the Al Falah Kemayoran Foundation. Thus, this empowerment activity can be considered a positive step in creating changes that have an impact on the quality of life of children in orphanages.

A house is a basic human need, many people are rarely able to save in cash due to rising house prices. By providing pawn products (Home Ownership Credit), the Bank acts as a mediator between the interests of home buyers and sellers in this situation. However, Muslims are not allowed to use the usury transaction interest system used by mainstream banks. For Muslims who want interest-free financial services, the rise of Islamic banking is a good thing. However, the fact that sharia banking has not been able to match conventional banks in Indonesia is proof that the majority of Muslim communities there do not have full confidence in using sharia banks. Based on this, the author looks at and discusses how murabahah contracts are used in sharia finance at the Bank Sumut Syariah Lubuk Pakam Branch Office. The aim of this qualitative descriptive research which combines case study theory is to describe the implementation of the murabahah contract and determine its impact on sharia financing at Bank Sumut Syariah Lubuk Pakam Branch Office. To gather information regarding the use of murabahah contracts in Islam, the data collection approach uses interview procedures, namely questions and answers to officers, employees and authorized parties (in authority), as well as documentation. Descriptive techniques are used in data analysis procedures. The research findings, the application of the DSN-MUI fatwa regarding murabahah, turns out that the DSN-MUINo.04/DSNMUI/IV/2000 fatwa was followed in the case of murabahah financing for subsidized housing mortgage financing carried out by the North Sumatra Syariah Bank, Lubuk Pakam Branch Office.

The purpose of this research is to determine the role of the Bappeda treasurer's decisions regarding overtime funds. This research uses qualitative methods with process analysis and inductive thinking related to the dynamics of the relationship between the symptoms studied, while still using scientific thinking. By using descriptive methods. The treasurer has the task of carrying out some of the secretary's duties within the scope of financial administration management. The role of the Treasurer or finance sub-division is very much needed in disbursing overtime funds. And these overtime funds are issued by fulfilling several conditions that have been written down.

This research is aqualitative research that aims to describe the Quality of Service Delivery of Cancer Health Training Pusdiklat Ministry of Health of the Republic of Indonesia and describes and analyzes the inhibiting and supporting factors for instructors in serving training participants at the Pusdiklat Health. Health services are activities or a series of activities to fulfill the service needs determined by law for each instructor, trainee and/or administrative services provided by the service provider. study uses the theory of quality of health services according to Kotler in Fendy Tjibtono (2016: 284), namely Assurance (guarantee) Emphty (empathy) Reliability (reliability) Responsiveness (responsiveness) Tangible (physical appearance), Quantity timeliness, effectiveness, independence and commitment work, analysis of research data is descriptive. Perfect research results. In terms of realism indicators, it has not worked perfectly, such as the skills of officers in using supporting facilities in the service process. On the responsive indicator, all officers who carry out health training services are classified as responsive to training participants. Assurance indicators in health training centers are very much determined by the performance of health services. Tangible indicators in the form of the appearance of the apparatus when carrying out services, comfort right when the service takes place. The Empathy Indicator puts the interests of training participants first, serves in a friendly, courteous and courteous manner, officers do not discriminate and are able to respect training participants.

The community service activity entitled "Use of social media as a means of communication, information, documentation and promotion in the Blessings of Faith herbal drink business" aims to implement the university's tridharma, namely Community Service. The purpose of this activity is to provide information regarding the use of social media Instagram for small businesses and provide training on the use of Instagram so that its use can later be implemented in marketing activities for the red blessing red ginger business. The method used in this activity is direct observation of the Red Blessings Faithful ginger business by conducting direct interviews and documenting product photos and product manufacture which are then uploaded to Instagram media. The final result of this service is the use of social media Instagram as a medium for communication, information, documentation and means of promoting each product produced and activities discussed by the Ginger Berkah Setia business unit including images and supporting information

UMKM Berkah Setia in Kadirejo Village is one of the potential UMKM in the area. However, these UMKM still use conventional buying and selling systems and endtrust their product to UMKM centers and souvenir centers. Due to limited capabilities, until now this UMKM product has not been widely known because it has utilized digital technology such as the marketplace as a promotional medium and place for buying and selling. In this service acticity, there are the introduction and assistance of the adoption of E-commerce in the form of the Shopee application media for UMKM Berkah Setia herbal drink. It is hoped that knowledge can increase sales for UMKM owners. The aim of this service activity is not only to introduce the UMKM marketplace, but also to assist in the management of the marketplace so that UMKM income experiences an increase in sales activities. The methods used in this service process are discussion, tutorial, mentoring, and aseesment and evaluation methods. The result from this method show that UMKM actors gain knowledge about creating an account, the process when goods are ordered until they reach the buyer, and UMKM actors gain skills in managing their Shopee accounts

Al-Qur'an education in Indonesia, as a majority Muslim community, should receive primary attention. However, the reality on the ground shows that Al-Qur'an teaching does not receive adequate time allocation in the curriculum, causing many students to have difficulty reading and writing the Qur'an. The Al-Qur'an Reading and Writing (BTQ) program using the tahsin tutoring method is a solution with a significant impact that can be felt. This research uses the PAR (Participatory Action Research) research method, which is defined as researchers participating and taking action directly in community service activities. This research is a Community Service Activity which aims to help students and teachers at SDN Wanawali overcome the problem of learning the Al-Qur'an. Using the Tahsin Tutoring method, as part of the Al-Qur'an Reading and Writing Program. This research includes the stages of location survey, observation, planning, implementation and evaluation. The subjects of this research were students in grades 5 and 6 of SDN Wanawali, Cibatu District, Purwakarta Regency, starting on 16 – 23 February 2024. The research results showed that Tahsin Tutoring activities succeeded in increasing students' enthusiasm in learning to read, write and memorize the Al-Qur'an. The Iqra book sorogan method, short surah reading tests, and memorization quizzes provide an interactive and interesting learning experience. Grade 5 and 6 students showed improvements in Al-Qur'an skills, while PAIBP teachers at SDN Wanawali became more creative in delivering learning material.

Background: Osteoarthritis is a degenerative disorder that occurs in the articular cartilage characterized by reduced synovial joints, the formation of osteophytes, damage to the ligaments and changes in the bones. The cause of osteoarthritis in the area of Puskesmas Banyuanyar is 46% of the population in one card families still have families who smoke and as much as 22% of people do not do physical activity due to the busy and physical condition. Objective: This investigation was carried out in an effort to improve knowledge on the case of osteoarthritis in the area of Puskesmas Banyuanyar. Method: This activity is a form of dissemination using leaflet media. To find out the results of improved understanding researchers conduct evaluations of pre-implementation and post-implementation. Results: Public dedication through this method of dissemination resulted in increased knowledge in the case of osteoarthritis from the average value of knowledge of 4,4% to 97,6%. Conclusion: Based on the results of the implementation of public service activities such as efforts to improve knowledge in case of osteoartritis, there was an increase in knowledge in PKK community

The World Health Organization (WHO) states that cancer is the biggest cause of death in the world. The highest incidence of cancer and the most common cause of death is breast cancer. In 2020, global data shows that 2.3 million women were diagnosed with breast cancer, with 685,000 deaths. One of the causes of breast cancer is delay in early detection. The aim of this community service activity is to increase the knowledge and skills of Setia Dharma Palembang High School female students in carrying out BSE as an effort to detect breast cancer early. The methods used are lectures, demonstrations and simulations as well as educational videos. The results of the activity showed an average pretest score of 52.3 and an average posttest score of 76.4. These results indicate an increase in the knowledge of counseling participants after being given education about BSE. For the results of the female students' ability to do BSE based on the observation sheet, the results obtained were that of the 53 female students, 71.7% were able to do BSE correctly and 28.3% were unable to do BSE correctly. It is hoped that all related parties will work together well in efforts to reduce the incidence of breast cancer.