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The high purchasing power of society and within lengthy periods will cause the state falls into inflation. Inflation has its influence on domestic savings. Hence, the government tries to limit the amount of money which circulates and reduces inflation risk by offering higher interest rates for the people who deposit their money in national banks. The socialization program of early saving is carried out with the purpose of creating national program in creating a generation who isable to manage their finances well. Other than that, the program hopefully has the ability to leverage the interest in saving for children. The children may develop the habit into an insurance for their later life, and autonomously learn to save and to be responsible in managing the money,hence the goals of the program.Teaching the children to save early may also develop positive personality; to save means teaching the children how to be patient, and saving is useful for future savings.

Comparative analysis between sharia and non-sharia financial reports has become an increasingly relevant topic in the context of continuously developing global financial markets. In this study, we evaluate the differences in approaches, principles, and practices underlying these two types of financial reports. The results of the analysis highlight the implications of these differences in financial practices, economic growth, and financial market inclusivity. The discussion also highlighted the potential for collaboration between the two types of finance to produce innovation and best practices in financial and investment management.    

Corruption originates from the Latin word corruptio, which was used by Aristotle in his book degeneratio et corruptione It means change or deterioration and has no connection to power or money . Corruption offenses fall under the category of special criminal acts, thus requiring specific measures to eradicate them Indonesian positive law regulates the eradication of corruption offenses in Law Number 31 of 1999 as amended by Law Number 20 of 2001 concerning the Eradication of Corruption Offenses. Corruption is an extraordinary crime; its impact can harm democratic values, morality, national finances, and violate social and economic rights of the community It also poses a threat to the aspirations towards a better society. The factors that cause corruption are as follows: (1) Individual behavior, (2) Political factors, (3) Economic factors, (4) Legal factors, (5) Social factors This study aims to understand and provide information about corruption, types of corruption, and the factors that cause corruption in general.

This research aims to analyze the role of sharia banking in implementing financial inclusion in Indonesia. Financial inclusion is a process to provide formal financial access for poor and low-income people (unbankable people). This research uses a qualitative and quantitative approach (mixed research). Qualitative data analysis uses analysis techniques developed by Straruss and Corbin with three major steps, namely open coding, axial coding, and selective coding. Quantitative data analysis uses comparative analysis of financial reports in 2010-2014 and analysis of financial ratios in the form of CAR, ROA, ROE, NPF and FDR. This research proves that sharia banking has great potential in implementing financial inclusion, shown by significant growth in funding and financing in 2010-2014 and the results of financial ratio analysis also show that the performance and financial condition of sharia banking is good.

The poverty level in remote villages, especially Dendun Village, which is located on the coast of Bintan, is still quite high, because most coastal communities work as fishermen and have unstable incomes. The concrete effort made by the government is to implement the Village Fund Policy in the APBN. Village Fund allocations have been implemented since the 2015 APBN and are part of the Transfer Fund allocation. In 2023, the Village Fund (DD) allocation in Dendun Village will be IDR. 853,646,000.00. These Village Funds are used to finance the implementation of village government, implementation of village development, development of village communities, and empowerment of village communities. This research is qualitative in nature using secondary data obtained from the Dendun Village Head and Village Secretary, where there are five programs implemented in 2023 sourced from the Village Fund. The purpose of this writing is to find out what programs will be implemented from the Village Fund in 2023 and what impact they will have in alleviating poverty for the community in Dendun Village.

This research aims to determine the factors that influence the risk of mudharabah financing at Sharia People's Financing Banks (BPRS) in Indonesia. The independent variables used in this research are Ratio Of Assets (ROA), Operational Costs Operational Income (BOPO), Financing To Deposit Ratio (FDR), Capital Adequity Ratio (CAR). The research method used was quantitative, with sampling using purposive sampling consisting of 15 BPRS registered in Indonesia. The results of this research show that the Ratio Of Assets (ROA) variable has a significant positive effect on mudharabah financing risk, Operational Costs Operating Income (BOPO) has an insignificant positive effect on mudharabah financing risk, Financing To Deposit Ratio (FDR) has an insignificant positive effect on financing risk mudharabah, Capital Adequity Ratio (CAR) has an insignificant positive effect on mudharabah financing risk. Based on these results, it is found that the determinant coefficient value is 0.4436, meaning that the variables Ratio Of Assets (ROA), Operational Costs Operational Income (BOPO), Financing To Deposit Ratio (FDR), Capital Adequity Ratio (CAR) can explain the dependent variable, namely risk. mudharabah financing is 44.36% and the remaining 65.64% is explained by other variables or other factors that are not included in this model.

This paper discusses the role of fiscal policy in overcoming poverty in Indonesia through empowering village funds. Using a literature study approach, the data collection process uses secondary data from the Central Statistics Agency and the Ministry of Finance. This paper examines poverty analysis, factors that influence poverty, and the implementation of fiscal policy in reducing poverty levels. Apart from that, this research also discusses village fund empowerment policies, poverty alleviation strategies and implementation of village fund policies. The research results show that fiscal policy, especially increasing village fund allocation, can be effective in reducing poverty. Programs such as empowering village funds can improve community welfare and reduce poverty levels. Evaluation of the village fund empowerment policy shows a positive impact on poverty alleviation, with increasing village status and reducing poverty levels in rural areas. And by involving the community to participate in managing village funds so that the implementation of village funds can be achieved.

The aim of this research is to determine and assess the level of health of the company PT Semen Indonesia TBK as one of the companies in Indonesia and to measure its overall performance, so that the company can shine and be useful improve its quality. This research uses quantitative methods. This assessment tool is an adaptation of the Liquidity Ratio, Solvency Ratio, Profitability Ratio methods.The object of this research is the company PT Semen Indonesia TBK. This research method uses a quantitative descriptive method. The results of the research found that there was a decline in 2023 in the Quick ratio which decreased on a scale below 1, namely 0.949, which means that the company is considered unable to fulfill or pay debts smoothly in the cycle operational, the solvency ratio is in a stable condition because the company can demonstrate its ability to pay its obligations, the profitability ratio is considered very small because the profit received is still far from the 5% scale and it can be said that the profit value is not healthy. It is hoped that PT. Semen Indonesia Tbk can pay attention to and analyze the financial ratios produced based on periodic financial reports, so that PT. Semen Indonesia Tbk can improve its finances significantly

This research aims to determine and analyze the feasibility of an Organic Banana Chips House business using business feasibility measurement aspects, namely legal aspects, market aspects, finance, engineering/operations, management, economics and social. Apart from using these aspects, measuring business feasibility also uses the Net Benefit Cost Ratio (BCR). This research uses a qualitative method with a case study approach and the data source used is the primary data source in the form of interviews with the owner of the Rumah Organik Banana Chips business. Based on the business feasibility analysis using BCR at Rumah Organic Banana Chips, a measurement result of 0.95 was obtained, which means this business is categorized as a business worth maintaining in accordance with Faradiba & Musmulyadi (2020) which states that if BCR>0 then the business is worth maintaining

Planning and reporting performance results in local government using information systems. The purpose of conducting research is to obtain an overview of the results of accountability for employee performance with the help of implementing SIMDA BMD at the Regional Financial and Asset Agency of the Bintan Regency Government. It is hoped that the presence of the SIMDA application can help the government in managing finances, especially in employee performance accountability and providing ideal management information. Data collection was collected using literature studies, interviews, observation and documentation. The results of this research show that SIMDA BMD (Regional Property Management Information System) in the financial management process, especially financial reporting, continues to run well and cannot yet be said to be fully effective, this is due to various obstacles that occur.  

The DKI Jakarta Student Sports Training Center (PPOP) is an organization that operates in the field of student sports training in DKI Jakarta Province, one of which is football. The DKI Jakarta PPOP football team experienced two consecutive defeats in official competitions in the 2022 Soeratin Cup U-17 and 2023 Porseni NU championships. The aim of the research is to look at the performance of the DKI Jakarta Student Sports Training Center using organizational performance theory. The method used is descriptive with a qualitative approach. The research results show that the productivity indicators are good, this can be seen from the success in achieving the predetermined targets. In terms of service quality indicators, it has provided quite complete facilities with quality facilities and infrastructure which are also in very good condition, however the quality of the grass on the field at PPOP DKI Jakarta is different from that used on official match fields, so this is a problem. problems that arise for football athletes. In terms of responsiveness indicators, it is good, this can be seen from the fact that all staff at PPOP DKI Jakarta can carry out their duties well, are friendly and also informative to all people who need services. The responsibility indicators are quite good. This can be seen through the actions taken in creating work plans and programs required by football coaches and athletes. Apart from that, monitoring is also carried out on programs that have been prepared and implemented to see existing developments. The accountability indicator has been implemented well, this can be seen in the preparation of the annual work plan and the finances are explained in detail to the relevant stakeholders.

The presence of Cash Waqf Linked Deposit (CWLD) in 2023 which is used for education is a development point for productive waqf, where previously the government had issued Cash Waqf Linked Sukuk (CWLS) as a waqf instrument with various uses including in the sustainable development sector, as well as the encouragement for the Islamic financial industry in secreening financing to protect the environment. Because of this, a special study is needed regarding whether CWLD can be used for sustainable development according to Indonesian law. This scientific work is included in normative jurisprudence, so that in compiling descriptive analysis used with a literature study approach, utilising legal sources of legislation and other scientific works. The research results obtained, namely The opportunity to apply CWLD benefits to the sustainable sector is supported by a legal structure that has synergised to develop waqf. Regulations issued by agencies and the Islamic financial industry. The legal culture of gotong royong that has been rooted in society is an additional value in the development of waqf. However, the weakness lies in the absence of CWLD product development in the sustainable development sector and the absence of specific regulations governing CWLD. The next challenge is to maintain the synergy between stakeholders in the legal structure, formulate specific regulations related to CWLD, and increase the inclusion and literacy of Islamic finance through socialisation, so that the development of productive waqf and the Islamic finance industry can continue to increase.

Article 8 of Act Number 20 years 2008 affirmed the government's commitment to Micro and Small Medium Enterprises to funding accurately and help obtain financing and services or other financial products, both conventional and Syariah systems. Contracts play an important role in economic activity or business. Function contracts give legal certainty, rules of the game, and tools evidence. Syariah funding contracts have many kinds which can be applied for various needs. Contract law is an open system, but the type of contract must be chosen to efficiently secure the distribution of funds. The role of the state needed to be precise following the purpose, for example, they do not finance properly the empowerment of micro-businesses in the livestock field. One theory that could help in legal problems in determining excellent choices is the economic analysis of law. This theory over law problems choice does not this can be resolved, as of theories it has the central idea to efficiency, among others the rule of law through contract.    

Conceptual understanding of riba and its influence in Islamic economics is an important subject in the context of Islamic finance. This research highlights the conceptual understanding of riba and its implications from the perspective of Islamic economics. Through a literature review approach, this article explores various views and arguments related to riba in Islam and Islamic economics. The analysis in this article underscores the need for a deep understanding of riba in the context of Islamic economics. Through this approach, policies can be formulated to promote principles of justice, equality, and sustainability in the Islamic financial system. Practical implications include profit-sharing systems such as mudharabah and musyarakah being used to replace riba practices, ensuring fairness and equality among parties involved in transactions. Additionally, a deeper understanding of Sharia economics and strict supervision of riba practices in the financial sector are crucial to assist individuals and institutions in managing finances in accordance with Islamic law. In conclusion, the conceptual understanding of riba and its influence from the perspective of Islamic economics is an important aspect in building a financial system that aligns with Islamic principles. By understanding the implications of riba, society can take more sustainable and equitable steps in developing Sharia-based economies.

Agriculture is a crucial sector in development because it serves as the primary sector for meeting national food needs and security. Due to its significant role, farmers as the main actors in agriculture need to possess good financial literacy, which ultimately impacts the performance of agricultural businesses. Therefore, the purpose of this study is to examine the impact of financial literacy on the performance of rice farmers. This study was conducted in Pamona Puselemba District, Poso Regency. The researcher used a quantitative approach with a survey method. The sample size of the study was 100 rice farmers, obtained using simple random sampling technique from a population of 2,226. Simple regression was used as the data analysis technique. The results of the study indicate that financial literacy has a positive and significant impact on the performance of rice farmers. Thus, financial literacy plays an important and multidimensional role in enhancing the performance of rice farmers.

The cost of funds ratio is a matrix used to carry out analysis in financial reports to evaluate banking financial performance by connecting various factors that influence the cost of funds ratio. Financial ratio analysis is part of business analysis that assesses a company's prospects and risks. Cost of funds ratio analysis describes the relationship between the amount of money and the company's burden in managing these finances to increase profitability. Cost of funds ratio analysis method. Research was conducted to identify information related to cost of funds ratio analysis in banking. The research results show the significant impact of financial ratio analysis on the financial performance of banking companies in Indonesia. Suggestions include increasing LDR, reducing NPL, controlling operational costs, and improving customer service. It is also recommended that the banking industry be able to reduce the cost of funds ratio regularly to improve its financial performance.

PT XYZ, a building construction and design company in Palembang. The number of employees in this company is 30 employees with project, finance, marketing and also human resources (HR) divisions. PT XYZ has a need to improve the efficiency of human resource management. In the current condition, the company still relies on manual processes for recruitment, attendance, layoff data management, and employee leave applications. This Personnel Information System uses the Rational Unified Process (RUP) method as a system development method. System development uses the Laravel framework, PHP, CSS, HTML programming languages. In the analysis stage using PIECES and Usecase Diagram. System development uses two main approaches, namely using the FlutterFlow low-code platform and the Laravel Framework. The final result obtained is the implementation of a web-based Personnel Information System at PT XYZ. The implementation of this system makes a significant contribution in improving the efficiency and accessibility of staffing data at PT XYZ.

This paper compares various machine learning models in their ability to predict financial trends, with a focus on time-series analysis. We evaluate models such as linear regression, decision trees, support vector machines, and deep learning, measuring their performance based on accuracy, computational cost, and interpretability. Our results reveal that deep learning models offer superior accuracy but are less interpretable, while simpler models, though less accurate, provide better insight into the underlying data. This research provides guidelines for selecting suitable models based on specific financial applications.

This research is motivated by the complex relationship between operating leverage, financial leverage, and earnings per share (EPS) in the context of corporate finance. This research aims to analyze the impact of operating leverage and financial leverage on earnings per share in manufacturing companies listed on the Jakarta Islamic Index during the period 2018-2022. Utilizing financial data from the sample companies, the study adopts a quantitative approach with regression analysis using Eviews to evaluate the relationship between operational and financial leverage with the performance of earnings per share. The research results indicate that operating leverage does not have a significant effect on earnings per share, with a partial test probability value of 0.9744 > 0.05. Financial leverage also does not have a significant effect on earnings per share, with a partial test probability value of 0.7368 > 0.05. Simultaneously, operating leverage and financial leverage do not have a significant effect on earnings per share, with a simultaneous test probability value of 0.94578 > 0.05. The calculation of the coefficient of determination shows that the independent variables in the model fail to explain the variation in the dependent variable well. Subsequent research is recommended to increase the sample size of manufacturing companies listed on the JII and replace insignificant independent variables with others that can significantly influence earnings per share.

The school has 399 students and 21 employees, including four non-teachers and one librarian. The ISR has characteristics like public school in Indonesia where curriculum, policy and finance are supported by Indonesian government and parents’ committee partnership (Setyono, 2016). Based on the concept of No Children Left Behind (NCLB), the ISR need to give opportunities for students to continue to study at they preferred school or university in Indonesia and Saudi Arabia. In these contexts, the community engagement strategies plan is not only collaboration of stakeholders to accommodate learning facilities, but also provide eLearning tools to support the learners need in purpose to improve students’ competencies and create positives learning environment in ISR.