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This research investigates the intricate landscape of financial challenges and opportunities in the maritime industry through the lens of expert perspectives in economics, management, and maritime operations. Drawing on qualitative insights from industry leaders and scholars, the study analyses key economic indicators such as GDP growth rates, inflation, interest rates, and trade balances, highlighting their profound impact on global shipping dynamics. The findings reveal pervasive challenges including economic volatility, regulatory compliance burdens, and sustainability pressures, which necessitate strategic responses for financial resilience and operational sustainability. Strategic recommendations are delineated to address these challenges effectively, advocating for enhanced risk management strategies, investment in technological innovation, adoption of sustainable practices, collaborative industry partnerships, and capacity building in talent development. These insights are crucial for maritime stakeholders aiming to navigate economic uncertainties and regulatory complexities while advancing towards sustainable growth and competitiveness in the global maritime economy.

Community service  looks at business financial management which has not been implemented optimally by business actors. This becomes a problem and instability in running a business. Community service is implemented in four stages. The four stages are related to each other so that solutions can be found to existing problems, including the lack of clarity regarding profit distribution in financial reports, so that financial management is traditional. Community servive was carried out at shop X in Riau Province. The implementation of community service ran smoothly, supported by good cooperation with partners.

This study examines the multifaceted impact of financial inclusion on industrial societies, focusing on its role in economic growth, social equity, digital transformation, and industrial development. Using a mixed-method approach combining systematic literature review and case studies from five industrial countries (Germany, South Korea, the United States, China, and Brazil), we analyze the mechanisms through which financial inclusion influences societal outcomes. Our findings reveal that financial inclusion significantly contributes to economic growth, with a 10% increase in inclusion indicators associated with a 0.2-0.7% rise in GDP growth rates. Moreover, we identify synergistic effects between financial inclusion and digital transformation, notably in mobile banking adoption. The study also highlights persistent challenges, including urban-rural divides and gender disparities in financial access. Cross-cutting themes emerge, emphasizing the importance of integrated policy approaches, regulatory innovation, and public-private partnerships in advancing financial inclusion. These insights offer valuable guidance for policymakers and financial institutions in designing effective strategies to leverage financial inclusion for sustainable and equitable economic development in industrial contexts.

This research aims analyse the chapter 2 Corinthians 6:14-15 in the Christian Scriptures and study itd implications in the context of marriage of interfaith coouples. This research uses the exegesis approach and theological analysis to gain a comprehensive understanding of the original text and historical context of the chapter. The original text of 2 Corinthians 6:14-15 is of Greek origin and emphasises the importance of aquality of beliefs in relationships, especially in the context of marriage. Interpretations of this text can vary depending on the theological tradition and Bible translation used, with some common interpretations including the prohibition against interfaith marriage and the admonition to choose friends, business partners or co-workers of the same faith. In the context of church theology and practice, this text can be used as a guide for individuals and couples in choosing, life partners of the same faith and maintaining equality of beliefs in relationships. This research is expected to provide useful insights for individuals, couples,as well as religious leaders in dealing with the challenges that arise in interfaith marriages.  

The EPHICS 3.0 Special Event is an event held periodically, namely once a year from 2024 at the Prima International Tourism Polytechnic, Cirebon, West Java. When this Special Event activity is carried out in a way that is in accordance with government directions, namely in line with the concept of sustainability, it will be able to give a positive impression for partners to get involved. By implementing the sustainable concept, this is also an effective way and will help to introduce that event. what we hold is different from other events, so that the image of the event itself is positive. In implementing sustainable concepts such as responsible, greening, environmentally friendly, corporate social responsibility, social & culture and economic, organizers do not only focus on personal interests but pay attention to several things that need to be considered so that they benefit both parties. The method used in this research is a qualitative approach with descriptive methods. There were informants including the Chief Executive of EPHICS 3.0, the Event Organizing Committee, the Organizing Committee, University Management, organizers and Tenants. The results obtained in this research are that Event EPHICS 3.0 has implemented the concept of Sustainable Event Management, but there are still several concepts that must be fulfilled so that its implementation can be implemented as optimally as possible.

Marriage is an important event where humans, as social beings, need partners to fulfill their life needs. In marriage, legal standards are necessary to regulate the family's rights, obligations, and responsibilities to build a happy and prosperous family. Every married couple aspires to have offspring, which is considered a trust from Allah SWT. This research aims to provide a deep understanding of the implementation of maqasid syariah in court decisions related to child custody post-divorce, which is expected to serve as a reference for legal practitioners and academics. A qualitative approach with a case study method was used to analyze the decision of the Lahat Religious Court Number 685/Pdt.G/2022/PA.LT, with data obtained through court decision documentation and literature related to maqasid syariah and Islamic law. The analysis was conducted in the context of the principles of maqasid syariah, especially the aspects of hifz al-nafs (preservation of life) and hifz al-nasl (preservation of lineage). The results of the study show that the judge granted custody to the father because the mother was deemed unable to provide adequate care. The judge's considerations align with the principles of maqasid syariah, which emphasize the importance of the child's physical and mental well-being. The research concludes that the principles of maqasid al-syariah can be applied in the modern judicial system to ensure the child's best interests in custody cases, demonstrating that the welfare and safety of the child must be the primary priority in any legal decision.

Partners in this program are bamboo craftsmen Jihan Craft, Somakaton Village, Somagede District, Banyumas Regency. The problems faced by partners are lack of equipment in running their business; very limited capabilities in business management consisting of production management, HR, marketing and finance; limited ability in bookkeeping and financial reporting; limited ability to carry out online marketing activities; do not form groups; do not understand group management; and do not have the skills to carry out group administration. To achieve the goals, activities are carried out in the form of counseling, practice and mentoring. The evaluation method is carried out by comparing the level of knowledge and abilities as well as the production and marketing performance of partners before and after the activity. The benefits of this service activity are that partners get additional mechanical production equipment so they can increase the quantity and quality of their products and can produce more efficiently, partners' business management abilities increase, they have the ability to do bookkeeping and financial reporting, they can carry out online marketing activities well, the formation of groups Jihan Craft business officially, understand and can practice group management well; and can carry out group administration activities well.

This research was conducted among the people of Suka Makmur Village, Muaro Jambi Regency, among whom work as farmers and traders. In the lean season, they still have to fulfill their daily needs, such as clothing, food and shelter. Apart from that, they also have to save and invest to meet future needs. This research aims to: (1) find out strategies for managing family finances in an Islamic way in creating a sakinah family. (2) knowing the supporting and inhibiting factors faced by the people of Suka Makmur Village, Muaro Jambi Regency in managing family finances in an Islamic manner in creating a sakinah family. This research uses a qualitative approach with the type of field research. Determining the research subjects was purposive and used data collection techniques through observation, interviews and documentation. The results of this research show that the Islamic family financial management strategy in creating a sakinah family in the Suka Makmur Village community, Muaro Jambi Regency has carried out financial planning such as managing family finances, savings, investment and zakat. Meanwhile, the supporting and inhibiting factors faced by the people of Suka Makmur Village, Muaro Jambi Regency in managing family finances in an Islamic manner in creating a sakinah family. Supporting factors are faced such as instilling mutual respect, providing support to your partner or family, and having a good personality such as being frugal. Meanwhile, factors such as wasteful nature, lack of communication, and economic problems.    

The partner in this PkM activity is the Api-Api village government, Wonokerto, Pekalongan district, this village is one of the villages that has several MSME groups or women entrepreneurs. The MSME aims to be a forum for innovation for women entrepreneurs to develop themselves as strong entrepreneurs. Based on a situation analysis of the main problems currently faced by partners in the marketing aspect and business management aspect. Marketing aspects include low competitiveness and business performance due to lack of innovation, weak branding, weak positioning and not optimal use of the internet in marketing. Meanwhile, aspects of business management include business management that is not yet professional, not having a business permit/PIRT and halal certification, conventional financial reporting. Based on these problems, through this activity, several solutions will be provided, especially product packaging problems so that they can attract consumers, namely strategies for preparing content, images, sentences and things that may or may not be included in the packaging regarding their impact on marketing. The method of implementing activities uses a participatory approach through training activities, with measurable achievement targets. Through this training activity, participants understand the material and are expected to implement the training results. As a monitoring aspect, the PkM team visits partners to see the implementation of the training provided.

Introduction: Haemoglobin levels are low (< 12 gr/dl) in adolescent women cause less blood (Anemia) causes to reduced focussing their study. JuFe programme is an innovation programme held by public health office of Cianjur through giving Fe tablets to adolescent women in Cianjur with consume Fe tablets every friday simultaneously in high schools. Objective: To determine the relationship between knowledge, attitude and compliance in JuFe programme with haemoglobin levels in adolescent women in the school partnership of Puskesmas Gekbrong Cianjur 2024. Method: This research used cross sectional study research design. The sampling technique is non random sampling are 35 peoples. The research instrument used a questionnaire, Results: This study found a relationship between knowledge (p=0,000), attitude (p=0,000), and compliance (p=0,000) with haemoglobin levels. Conclusion: there are the relationship between knowledge, attitude, and compliance in JuFe programme with haemoglobin levels in adolescent women in the school partnership of Puskesmas Gekbrong Cianjur 2024. Suggestion: It is the best health workers and teachers to increase education to adolescent women about low haemoglobin (Anemia) and implementing JuFe Programme routinely.

Marriage involves individual rights such as opinion, privacy and non-discrimination. Early marriage is the practice of marriage involving one or both partners who are still young, where both are still under the legal age or generally recognized age of adulthood. Early marriage can be influenced by various factors, namely social, economic, cultural and educational pressures. Family involvement, cultural norms, and gender inequality can also play an important role in the decision to marry early. Early marriage of minors creates a number of legal problems, which involve violations of children's rights and also gender inequality. The age for marriage must be completely mature, which is 19 years for men and 16 years for women. If both of them are still young, or you could say like young onions, their marriage will always be filled with problems. Both of them still have the same high level of ego, are still children and still only think for a few days. In Indonesia, Law no. 1 of 1974 concerning early marriage, namely the minimum age for marriage. Law no. 16 of 2019, regulates the second amendment to Law no. 1 of 1974 confirms that the minimum age limit is 19 years for men, and 16 years for women. A woman is someone who has reproductive organs which are related to the ability to give birth to children. Meanwhile, a man is someone who has reproductive organs that play a role in reproduction itself. In Indonesia, the case of early marriage is still a very serious and vulnerable issue. As reported by the KEMENKO PMK, it was stated that there were around 1.2 million cases of early marriage in Indonesia. Where, the proportion of women aged 20-24 years who were married before the age of 18 was 11.21% of the total number of children. This means that around 1 in 9 women aged 20-24 years were married as children. Meanwhile, around 1 in 100 men aged 20-24 years were married as children. Due to the large number of cases regarding underage marriage, the government's role must be agile and fast in dealing with important cases like this. The government must play a role in preventing how to prevent cases of underage marriage from increasing every year.    

One of the goals of speech in communication is an effort to achieve the desired results of the speaker with the speech partner, speech is not only in oral communication but also in written communication such as novels .The method used is qualitative because the analysis in it explains the meaning of the characters' dialogue. As well as the use of data analysis techniques that use qualitative descriptive. Expressive speech acts in the novel Laut Bercerita based on the results of data analysis found 6 expressive speech acts in the novel Laut Bercerita, namely criticizing, praising, complaining, saying thank you, blaming. Expressive speech is a speech act intended by the speaker so that the speech can be interpreted as an evaluation of the things mentioned in the speech and has several functions in it. By using expressive speech the author is able to give messages and meaning to the reader about what he wants to convey through dialogue.

Quality education is one of the points in sustainable development or Sustainable Development Goals (SDG's). Good quality education must be applied to all areas, especially in villages, because it is the capital for carrying out development. However, in Musir Kidul Village, the quality of education is relatively low. So strategic efforts or steps are needed to improve the quality of education in Musir Kidul Village which is realized by providing education through outreach and teaching activities. The aim of implementing the activity is to improve the quality of education in Musir Kidul Village and create a generation that cares about the environment, the main of which is waste management. The partner invited to work together is TK Dharma Wanita 2. The method used is qualitative with data collection techniques using observation and study literature. Observations were carried out to determine the conditions and problems in the education sector in Musir Kidul Village which were carried out at Dharma Wanita Kindergarten 2. Next, a literature study was carried out using available documents such as journals, internet sites, etc. so that appropriate efforts could be determined to overcome them. problems. The results of the implementation of activities show that students who are young children have a great curiosity about zero waste and the knowledge and abilities they have are increasing. It is hoped that socialization activities will be carried out continuously with various materials for character building and the number of teaching staff at Dharma Kindergarten Female 2 can be added.

MSMEs that were once considered economically resilient during times of crisis were found to have a higher vulnerability to experiencing losses than large companies. This vulnerability is due to financial and non-financial constraints. Specifically, these obstacles are classified into operational risk, financial risk, and marketing risk. This activity aims to increase the knowledge and understanding of MSME players regarding HR and financial management to minimize operational and financial risks. This activity uses the methods of Counseling and Education as well as Mentoring and Coaching. The result is that this activity can be carried out successfully. Successful implementation is marked by the division of employee duties so that each employee has their responsibility for a job which can lead to increased employee performance. Apart from that, partners already understand the importance of financial management and its relevance for business development and decision-making. However, partners still do not know how to prepare financial reports by MSME).

the external environment has an important influence on the sustainability of an organization. The purpose of this research is to analyze and describe the role of the external environment in educational institutions. The research method used in this research is a literature study approach, in other words, the research was conducted without a research location, but all data was taken through previous studies in the form of books and scientific articles relevant to the research theme. Data collection techniques in this study used documentation, with data analysis techniques in the form of data reduction, data presentation, and conclusion drawing. The results found that the external environment helps educational institutions to understand external factors that can affect their performance and success. SWOT is used as a tool to evaluate the strengths, weaknesses, opportunities, and threats of educational institutions. The external environment in organizations is divided into two: micro (small scope) involving competitors and partnerships, and macro (general scope) involving economic, political/legal, socio-cultural, technological, and global factors. The steps used in the analysis process involve scanning, monitoring, forecasting, and assessing.

This research was conducted to observe the life of the church at the Tangkiling Station in the light of the Church as the Mystical Body of Christ. People in the Tagkiling Station are less actively involved in church life. Through this study, it is hoped that the people of Tangkiling station will be able to realize the meaning of themselves as the Church of the Mystical Body of Christ which is realized in the life of church. The method used in this research is qualitative method with data collection technique in the form of literature study, observation, front of interview and documentation. The research steps include conservations with informants, informant profiles, theme determination, reflection, implications, syhthesis, prospects or possibilities that will occur. The results show that the people at Tangkiling Stastion have a good church life and it is in accordance with the Church as the Mystical Body of Christ but they do not understand deeply about the meaning of the Church as the Mystical Body of Christ because it has never been given a prior understanding. The inhibiting factors for civic engagement are the lack of people understanding about the meaning of the Church as the Mystical Body of Christ, occupation, transportation and distance and dissent. So the pastoral step that is expected to be able to answer the problem is by conducting continuous catechesis, active involment of pastoral partners anda approaches through visits.

This research was conducted to observe the life of the church at the Tangkiling Station in the light of the Church as the Mystical Body of Christ. People in the Tagkiling Station are less actively involved in church life. Through this study, it is hoped that the people of Tangkiling station will be able to realize the meaning of themselves as the Church of the Mystical Body of Christ which is realized in the life of church. The method used in this research is qualitative method with data collection technique in the form of literature study, observation, front of interview and documentation. The research steps include conservations with informants, informant profiles, theme determination, reflection, implications, syhthesis, prospects or possibilities that will occur. The results show that the people at Tangkiling Stastion have a good church life and it is in accordance with the Church as the Mystical Body of Christ but they do not understand deeply about the meaning of the Church as the Mystical Body of Christ because it has never been given a prior understanding. The inhibiting factors for civic engagement are the lack of people understanding about the meaning of the Church as the Mystical Body of Christ, occupation, transportation and distance and dissent. So the pastoral step that is expected to be able to answer the problem is by conducting continuous catechesis, active involment of pastoral partners anda approaches through visits.

This research examines the accounting analysis of partnership liquidation due to changes in membership, both from the entry of new members and the departure of existing members. The main focus of the study is to understand the concept of partnership liquidation, the procedures involved, and the required accounting records.The research background emphasizes the importance of accounting in providing accurate financial information for decision-making. This study also discusses conditions that can lead to the dissolution of partnerships, such as the death of a member or changes in membership composition.The research methodology includes analysis of literature related to partnership liquidation. The main objectives of the research are to explain the definition of partnership liquidation, outline the liquidation procedures, and describe the accounting recording process in the context of partnership liquidation.This research aims to provide a comprehensive understanding of the partnership liquidation process and its implications for accounting practices, as well as contribute to the development of student competencies in the field of accounting.  

This study aims to analyze the influence of income, knowledge, promotion, and gold prices on the investment decisions of bank partners in investing in gold at Bank Syariah Indonesia (BSI) in Jambi City. The population used in this research consists of BSI partners who invest in gold in Jambi City, with a sample of 90 respondents. It can be concluded that the respondents in this study are predominantly female, totaling 63 respondents, while males amount to 27 respondents. Based on age, the majority are aged 30-39 years, with 40 respondents. In terms of education level, 70 respondents hold a bachelor's degree. Data collection techniques employed include questionnaires, documentation, and interviews. The data analysis method used is multiple linear regression analysis. The results show that all examined variables, both internal factors (income and knowledge) and external factors (promotion and gold prices), significantly influence gold investment decisions. The coefficient of determination (R²) of 0.827 indicates that 82% of the variation in the dependent variable can be explained by the variables studied. This research provides a broader understanding of the factors influencing gold investment decisions and suggests strategies for more effective promotion and better financial education.

This research aims to analyze marketing strategies and factors that influence the success of SMEs in the martabak business in the Sukatani area, Bekasi Regency, which coincides in Sukadarma Village, Kampung Serengseng Jaya. MSMEs play an important role in the local economy, but often face challenges in competing with larger businesses. To identify effective strategies, we conducted a qualitative study using in-depth interviews with Martabak MSME owners and used SWOT analysis to identify strengths, weaknesses, opportunities and threats faced. The research results show that the use of social media as a marketing tool, product innovation and service quality are the main factors that contribute to the success of martabak MSMEs. Additionally, partnerships with local suppliers and a deep understanding of consumer preferences have also proven important. The challenges faced include intense competition, fluctuations in raw material prices, and limited capital. Thus, this research provides insight into the best practices that can be implemented by martabak MSMEs to increase the competitiveness and sustainability of their businesses. The proposed strategic recommendations include increasing digital skills, product diversification, and developing customer loyalty programs