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The increasing variety of digital financial products has contributed to greater access to financial services. However, there is growing need to enhance financial literacy, particularly among Generation Z, which dominates the use of technology compared to other generations. This generation is highly proficient in utilizing technology, including financial technology, which facilitates economic transactions through digital transfers and payments. On the other hand, this convenience also creates financial vulnerabilities for Generation Z, as reflected in poor personal fianncial management that leads to consumptive behavior and engagenment in online lending. Moreover, Generation Z tends to have lower levels of financial literacy compared to other generations. This community service program was conducted for Generation Z, specifically senior high school students at SMA Averos in Sorong City. The activity aimed to improve students’ understanding of financial literacy and provide practical tips for effective financial management. The program was implemented in the form of a financial literacy socialization activity, with the expectation of fostering financial awareness among young people regarding the importance of managing their finances and developing positive financial attitudes. The results of this activity indicate that students were able to understand financial literacy concepts effectively, leading to increased awareness and the ability to manage their finances in a prudent and responsible manner.

The increasing variety of digital financial products has contributed to greater access to financial services. However, there is growing need to enhance financial literacy, particularly among Generation Z, which dominates the use of technology compared to other generations. This generation is highly proficient in utilizing technology, including financial technology, which facilitates economic transactions through digital transfers and payments. On the other hand, this convenience also creates financial vulnerabilities for Generation Z, as reflected in poor personal fianncial management that leads to consumptive behavior and engagenment in online lending. Moreover, Generation Z tends to have lower levels of financial literacy compared to other generations. This community service program was conducted for Generation Z, specifically senior high school students at SMA Averos in Sorong City. The activity aimed to improve students’ understanding of financial literacy and provide practical tips for effective financial management. The program was implemented in the form of a financial literacy socialization activity, with the expectation of fostering financial awareness among young people regarding the importance of managing their finances and developing positive financial attitudes. The results of this activity indicate that students were able to understand financial literacy concepts effectively, leading to increased awareness and the ability to manage their finances in a prudent and responsible manner.

This community service activity aims to describe the implementation of the first-month mentoring activity of the Student Entrepreneur Development Program (P2MW), which focuses on program orientation and team formation at Universitas Muhammadiyah Jambi. The activity was conducted in February 2025 and involved students participating in the P2MW program. A descriptive-participatory approach was applied through program socialization, facilitated team formation, interactive discussions, and group reflection. The results indicate that students gained a better understanding of the objectives and mechanisms of P2MW and were able to form entrepreneurial teams with clearer role distribution. In addition, the mentoring activity contributed to improving communication, teamwork, and students’ confidence in presenting business ideas. The first-month mentoring activity provides a positive initial foundation for the implementation of P2MW and supports the sustainability of student entrepreneurship development in subsequent stages.

Generation Z faces various challenges in determining their life direction amidst increasingly complex technological developments and social dynamics. As part of this generation, 12th-grade Vocational High School (SMK) students are in a crucial transition phase towards the world of work and further education, thus requiring the strengthening of a clear life purpose based on Islamic values. This community service activity aims to strengthen the role of Islamic Religious Education (PAI) in shaping the life purpose of vocational high school students as an effort to create competitive Muslim youth. The community service activity was carried out at SMK Abdi Negara Tangerang, targeting 12th-grade students using an educational, participatory, and reflective approach. The implementation methods included interactive lectures, discussions, self-reflection, and mentoring linked to the values ​​of Islamic Religious Education. Data collection techniques were carried out through observation, short interviews, and documentation, while data analysis used a qualitative descriptive approach. The results of the activity showed an increase in students' understanding of the importance of having a directed life purpose that is aligned with the values ​​of faith, morals, and social responsibility. In addition, students showed increased motivation, awareness of their potential, and readiness to face the future. This activity also strengthens the role of Islamic Religious Education as a means of character development and life orientation for students. Thus, this community service activity makes a positive contribution to shaping a young generation of Muslims with character, competitiveness, and a clear purpose in life.

The advancement of Artificial Intelligence (AI) presents substantial potential for improving the quality of learning in elementary education, particularly through the application of AI prompts as instructional support in lesson planning and classroom implementation. Nevertheless, many teachers at Integrated Islamic Elementary Schools (Sekolah Dasar Islam Terpadu/SDIT) experience limited AI literacy and insufficient competence in designing pedagogically appropriate and effective AI prompts. This community service program aims to enhance AI literacy and strengthen the professional competence of teachers at SDIT Lukmanul Hakim Puring, Kebumen, in utilizing AI prompts to support instructional design, teaching materials development, and learning assessment. The program employed participatory methods, including socialization sessions, hands-on training, guided practice, and continuous mentoring. The results demonstrate a measurable improvement in teachers’ understanding and practical skills in constructing AI prompts aligned with pedagogical objectives. Furthermore, the integration of AI prompts contributes to increased instructional efficiency and pedagogical creativity. This program is expected to provide a sustainable model for supporting digital transformation in elementary school education.

Acute Respiratory Infection (ARI) is one of the most common health problems among primary school–aged children and may interfere with the learning process as well as children’s overall health status. This community service activity aimed to improve primary school students’ knowledge and awareness regarding ARI prevention through the implementation of the Faculty of Medicine Teaching Movement. The methods used were interactive lectures and demonstrations tailored to the characteristics of primary school children, including education on ARI, proper cough and sneeze etiquette, and correct handwashing practices. The community service program was conducted in three stages: planning and preparation, implementation, and evaluation and monitoring. The activity involved collaboration between lecturers and medical students from the Faculty of Medicine, Universitas Muhammadiyah Semarang, who served as health education facilitators. The evaluation results showed a significant improvement in students’ knowledge, with the proportion of students in the good knowledge category increasing from 47.4% before the intervention to 78.9% after the intervention, along with an increase in the mean score of 28.4 points (p < 0.05). This activity not only enhanced students’ understanding of ARI prevention but also strengthened the role of medical students in field-based learning and promoted the development of health awareness within the school and family environment.

This community service activity aims to improve students' understanding of the basic concepts of digital marketing and simple branding at Al-Ihsan Doglo Vocational School as a starting point for fostering an entrepreneurial spirit. This activity was carried out using a descriptive qualitative approach with methods of socialization, observation, interactive question and answer sessions, and documentation throughout the activity. The material provided included an introduction to information technology, digital marketing concepts, the use of social media as a promotional tool, and basic product branding principles that are easy for students to apply. The results of the activity showed an increase in students' understanding of digital marketing concepts, how to utilize social media productively, and an introduction to basic branding elements such as product names, logos, and brand images. The enthusiasm of the participants during the activity indicated that the socialization method used was effective in improving basic digital marketing literacy. This activity is expected to encourage students to be more creative, innovative, and ready to face the challenges of the business world in the digital era.

The legal counseling activity on the technical aspects of preventing and reporting Ilegal online lending in Ngawen Village, Muntilan District, was motivated by the increasing number of Ilegal online lending cases that harm the community due to low legal and digital literacy. Rural communities often become victims because they do not understand the differences between legal and Ilegal loans and are unaware of the proper reporting mechanisms. This activity aims to provide residents with legal understanding regarding online lending regulations, improve digital literacy so that the community can identify Ilegal applications, and train residents to be courageous and capable of reporting Ilegal online lending practices to the relevant authorities. The implementation methods included socialization through interactive lectures, distribution of handout materials, and question-and-answer sessions. The activity was attended by 15 residents of Ngawen Village and featured two presenters from the Faculty of Law, Universitas Muhammadiyah Magelang. The results showed an increase in participants’ understanding of the characteristics of Ilegal online lending, its socio-economic impacts, and the reporting procedures to the Financial Services Authority (OJK), the Ministry of Communication and Informatics (Kominfo), and the police. Participants also gained a better understanding of the importance of protecting personal data and verifying the legality of financial applications before using them. In conclusion, this counseling activity successfully enhanced the community’s legal awareness and digital literacy, fostering a more vigilant and legally empowered society capable of protecting itself from Ilegal online lending practices in the digital era.

The legal counseling activity on the technical aspects of preventing and reporting Ilegal online lending in Ngawen Village, Muntilan District, was motivated by the increasing number of Ilegal online lending cases that harm the community due to low legal and digital literacy. Rural communities often become victims because they do not understand the differences between legal and Ilegal loans and are unaware of the proper reporting mechanisms. This activity aims to provide residents with legal understanding regarding online lending regulations, improve digital literacy so that the community can identify Ilegal applications, and train residents to be courageous and capable of reporting Ilegal online lending practices to the relevant authorities. The implementation methods included socialization through interactive lectures, distribution of handout materials, and question-and-answer sessions. The activity was attended by 15 residents of Ngawen Village and featured two presenters from the Faculty of Law, Universitas Muhammadiyah Magelang. The results showed an increase in participants’ understanding of the characteristics of Ilegal online lending, its socio-economic impacts, and the reporting procedures to the Financial Services Authority (OJK), the Ministry of Communication and Informatics (Kominfo), and the police. Participants also gained a better understanding of the importance of protecting personal data and verifying the legality of financial applications before using them. In conclusion, this counseling activity successfully enhanced the community’s legal awareness and digital literacy, fostering a more vigilant and legally empowered society capable of protecting itself from Ilegal online lending practices in the digital era.

This study aims to examine the effect of microcredit on the level of community welfare in Kecamatan Sumbawa, with study locations in Kelurahan Pekat and Brang Bara. Microcredit is positioned as one of the strategic instruments in efforts to empower the economy of low-income communities, especially through increasing access to financing, income generation, and social welfare. This research uses a quantitative approach with Structural Equation Modeling (SEM) method based on Partial Least Square (PLS). The study population consisted of 100 micro-entrepreneurs in the two villages who had received microcredit from local financial institutions. The variables analyzed include ease of credit access (X1), credit repayment (X2), income (Y), and community welfare (Z) which acts as a mediating variable. The results of the analysis show that easy access to microcredit does not have a significant effect on income or community welfare. In contrast, the variable of microcredit repayment has a positive and significant effect on community welfare. In addition, income also has a positive and significant influence on welfare, indicating that an increase in income is a key factor in determining the economic and social welfare of microcredit recipient households. This finding confirms that the success of the microcredit program is more influenced by the effectiveness of the management and sustainability of the credit repayment system, rather than solely by the ease of access to financing.  

The Indonesian Civil Servants Cooperative (KPRI) plays an important role in enhancing member welfare and supporting the national economy. Nevertheless, increases in business volume and own capital do not necessarily translate into higher profitability, while the number of members an essential characteristic of cooperatives is also assumed to influence financial performance. This study aims to examine the effect of business volume and own capital on cooperative profitability, with the number of members acting as a mediating variable. A quantitative approach was employed using secondary data derived from the financial statements of KPRI in Bogor City during the 2020–2024 period. Purposive sampling was applied, resulting in 12 cooperatives with a total of 60 observations. Panel data regression analysis was conducted using EViews software, and mediation effects were tested using the Sobel test. The results indicate that business volume has a positive and significant effect on cooperative profitability, whereas own capital does not show a significant influence. The number of members has a negative and significant effect on profitability. Furthermore, the Sobel test confirms that the number of members does not mediate the relationship between business volume or own capital and cooperative profitability. These findings suggest that enhancing business activities and improving the quality of member participation are more critical for increasing cooperative profitability than merely expanding capital or membership size.

This community service was carried out in Margaluyu Village, Kasemen District, Serang City. This community service program was prepared based on the problem of increasing the amount of household plastic waste in Margaluyu Village which until now has not been managed optimally. As an innovative effort in handling this problem, the community service team held a training activity on making wind hole breeze breeze blocks using mixed materials in the form of shredded plastic and silica sand. This community service program not only focuses on efforts to reduce the level of environmental pollution, but also directs inorganic waste to be processed into building materials that have aesthetic value as well as high benefits for local residents. The activity was carried out with a focus on strengthening the role of youth groups and fathers as the main drivers of the creative economy at the village level. In the demonstration session, participants were invited to directly practice steps ranging from plastic sorting, the enumeration process, to roster printing techniques that require high precision. In addition, the team also provided technical assistance and simulations of production cost calculations so that participants understood the potential economic value of the product. Participatory discussions were conducted to explore field challenges, while the final evaluation showed an improvement in the participants' skills and environmental awareness.

This community service was carried out in Margaluyu Village, Kasemen District, Serang City. This community service program was prepared based on the problem of increasing the amount of household plastic waste in Margaluyu Village which until now has not been managed optimally. As an innovative effort in handling this problem, the community service team held a training activity on making wind hole breeze breeze blocks using mixed materials in the form of shredded plastic and silica sand. This community service program not only focuses on efforts to reduce the level of environmental pollution, but also directs inorganic waste to be processed into building materials that have aesthetic value as well as high benefits for local residents. The activity was carried out with a focus on strengthening the role of youth groups and fathers as the main drivers of the creative economy at the village level. In the demonstration session, participants were invited to directly practice steps ranging from plastic sorting, the enumeration process, to roster printing techniques that require high precision. In addition, the team also provided technical assistance and simulations of production cost calculations so that participants understood the potential economic value of the product. Participatory discussions were conducted to explore field challenges, while the final evaluation showed an improvement in the participants' skills and environmental awareness.

A company budget is a structured and logical plan. In business management, a budget serves as a planning, control, and decision-making tool, enabling the company to achieve effective and efficient goals. Furthermore, a company budget aims to regulate cash flow, preventing waste. This article discusses the budgeting process in the culinary business "Seblak" and the importance of proper budgeting for culinary businesses. Budgeting enables companies to effectively manage their businesses and achieve their financial goals. Seblak is a traditional Indonesian dish originating from West Java, particularly the Bandung area. Initially, seblak was a simple dish made from raw crackers, boiled until soft, mixed with spices, and topped with various toppings such as sausage, chicken, and frozen food. Seblak is derived from the word "segak" and "nyegak," two Sundanese words meaning "pungent" or "invigorating." The name is quite synonymous with seblak, which is characterized by its spicy flavor and the use of galangal (galangal) for its strong aroma.

Butgeting is an important instrument in managing retail businesses such as Toko Harapan Teknik Boyolali, as it functions as a tool for planning, control, and evaluation of company performance. Budget effectiveness is influenced by both internal and external factors of the organization. This study aims to analyze the effect of company performance and environmental uncertainty on budget effectiveness at Toko Harapan Teknik Boyolali. This research employs a qualitative approach using a library research method by reviewing and synthesizing information from various sources, including books, scientific journals, and previous studies. The results indicate that company performance has a positive effect on budget effectiveness, as good performance supports more realistic and accurate budget preparation. In addition, environmental uncertainty, such as changes in market conditions, business competition, demand fluctuations, and economic dynamics, can hinder budget effectiviness. Simultaneously company performance and environmental uncertainty influence the success of budgeting. Therefore, companies need to improve performance and implement flexible and adaptive budgeting systems to address environmental uncertainty.

Bullying is a serious problem in elementary schools that negatively impacts student mental health and achievement. The 2026 UNSIQ Student Community Service Program (KPM) implemented anti-bullying education at Guyangan Elementary School, Purworejo, using a participatory educational approach through literacy, creativity, and counseling. This activity targeted all students and teachers, using observation, documentation, and interviews. Results showed an increase in students' understanding of the meaning, forms, and impacts of bullying, as well as a growing awareness, empathy, and mutual respect. This approach effectively creates a safe and inclusive school environment while strengthening character education. This activity was carried out through various methods, including observation, documentation, and interviews. By involving the active participation of students and teachers, it is hoped that they will better understand the meaning of bullying, recognize its various forms, and realize its negative impact on individuals and the school environment. Through literacy, students are encouraged to dig deeper into bullying, while through creativity, they are given space to create solutions and anti-bullying campaigns in schools. Counseling was conducted to strengthen their understanding of the importance of mutual respect and empathy..

This study discusses the implementation of hadiths regarding the responsibilities of educators in the professional policies of Madrasah Ibtidaiyah (MI) teachers. Hadiths emphasize that teachers have a moral and spiritual mandate to educate and shape the character of students in accordance with the standards of educators. This study aims to analyze the relationship between the values of professional responsibility and the values of educators' responsibility in the hadith with the standards of professionalism for MI teachers. The method used is a qualitative approach through a literature study of hadith books, Islamic education books, and education policy documents. The results of the study show that the values of trustworthiness, exemplary behavior, justice, and sincerity in the hadith are in line with pedagogical competence and professionalism as moral and religious obligations. The implication is that the integration of hadith values is important in the development of MI teachers in order to create competent educators with Islamic character

This study aims to analyze cash budget management at the Kuda Kepang Mas Bagong MSME located in Wates Hamlet, Cepogo Village, Boyolali Regency. This MSME focuses on traditional kuda kepang crafts that have economic and cultural value as a support for local performing arts. The method applied is a descriptive qualitative method with data collection techniques through observation and direct interviews with the business owner. The data reviewed includes the production process, production capacity, cost structure, selling price, revenue, and marketing system. The results of the study indicate that the Kuda Kepang Mas Bagong MSME has consistent market demand, especially for medium-sized kuda kepang products. However, production capacity limitations due to the use of one worker are a major obstacle in increasing business turnover. In addition, cash budget management is still carried out in a simple and unorganized manner, so the potential for liquidity control and financial planning has not reached an optimal level. This study concludes that developing a more organized cash budget and increasing production capacity can be a key strategy in improving the financial performance and sustainability of the Kuda Kepang Mas Bagong MSME.

The government's implementation of the Academic Ability Test (TKA) has shocked some students, particularly because they are unfamiliar with the test questions. This highlights the need for public awareness campaigns regarding the TKA questions, particularly in private schools. This community service initiative aims to provide high school students in the Special Region of Yogyakarta (DIY) with an overview of the TKA mathematics exam. The method used in this initiative is drills and discussions, aimed at training and preparing students for the types of questions tested in the TKA. This initiative was attended by five private schools in the Special Region of Yogyakarta and conducted by lecturers and students from the Mathematics Education study program at Alma Ata University. The results of this training indicate that students gained an overview of the TKA mathematics exam questions and learned several strategies for solving them effectively. This initiative is expected to help students become more prepared and confident in facing the TKA in the future.

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in driving economic growth and providing employment in Indonesia. However, many MSMEs are still utilizing digital technology to leverage social media as a marketing tool and strengthen their branding. This study aims to analyze the use of social media to increase product branding and sales at the Warung Kue HJ. Risna MSME, located in Karang Rejo Village, Balikpapan City. The research method used is a descriptive quantitative approach, with data collection techniques through field observations, direct interviews with MSME owners, and direct mentoring regarding social media use and online store creation. The results of this study indicate that improving social media accounts, creating business locations on Google Maps, and installing business banners with more attractive designs and colors can increase business visibility and understanding of the importance of branding through digital technology, positively impacting market expansion and potentially increasing business sales. This activity is expected to become a model for sustainable digitalization-based MSME mentoring to increase competitiveness in the era of digital transformation.