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Program "Giat Menabung, Celengan Ceria" merupakan inisiatif pengabdian masyarakat yang dilaksanakan di TK Pertiwi 1 Koripan untuk menumbuhkan budaya menabung sejak usia dini. Program ini dilatarbelakangi oleh rendahnya literasi keuangan di Indonesia dan belum adanya program khusus tentang edukasi keuangan di TK Pertiwi 1 Koripan. Metode pelaksanaan program meliputi tiga tahap utama: perencanaan, persiapan, dan pelaksanaan. Kegiatan dilakukan melalui pendekatan edukatif dan kreatif, melibatkan pemutaran video edukasi, bernyanyi bersama, dan praktik menghias celengan. Hasil program menunjukkan tingkat partisipasi mencapai 100% dari 20 peserta didik, dengan 90% peserta aktif dalam sesi tanya jawab dan 95% berhasil menyelesaikan praktik menghias celengan secara mandiri. Program ini berhasil memperkenalkan konsep menabung kepada anak-anak melalui metode yang menyenangkan dan sesuai dengan tahap perkembangan mereka. Kata Kunci: menabung, anak usia dini, celengan

Sharia cooperatives are Sharia-based economic institutions that play a strategic role in empowering the economy of the Muslim community. By adhering to principles such as the prohibition of riba (usury), gharar (uncertainty), and maysir (gambling), as well as implementing profit-sharing systems (mudharabah or musharakah), Sharia cooperatives provide a fair, transparent, and inclusive alternative to support economic activities in society. These cooperatives aim not only to achieve financial gains but also to fulfill social missions, such as poverty alleviation, equitable welfare distribution, and holistic improvement of the community’s quality of life. Various products and services offered—such as Sharia savings, halal financing, and Sharia-compliant investments—provide financial solutions that align with Islamic values and meet societal needs. Nevertheless, the implementation of Sharia cooperatives faces several challenges, including limited public understanding, competition with conventional financial institutions, and constraints in human resources and capital. Through public education, capacity building for cooperative managers, and comprehensive government policy support, Sharia cooperatives hold great potential to become a key instrument in fostering a more just, equitable, and sustainable economy. This study emphasizes the importance of integrating Sharia values into cooperative management to ensure its contribution to the sustained welfare of the community.

The interest rate in the Iraqi economy represents an active and important element in the management of monetary policy in the Iraqi economy, as it is used by the monetary authority represented by the Central Bank of Iraq to influence the money supply, as well as the impact of this also by allocating the available resources for savings among foreign investments to achieve the central goal of the monetary authority of achieving stability in prices such as the interest rate and various prices and values of investments together and thus achieve balance at the economic and financial levels. This research analyzes the relationship between interest rate changes (IRC) and foreign direct investment (FDI) in the Iraqi economy during the period from (2004-2023). Multiple analytical tools were used, including descriptive statistics, correlation analysis, time series analysis, and prediction models using ARIMA and Prophet. The results showed an association between the two variables under consideration, with the ability of the ARIMA and Prophet models to provide accurate forecasts of future   FDI trends. A quantitative methodology that includes descriptive statistics, correlation analysis, time series models, and forecasting tools has been adopted to clarify the relationship between the two variables and draw conclusions that support economic decision-making.

Gold savings is a type of savings in the form of gold measured in grams, which can increase or decrease over time. The balance of gold savings can be exchanged for gold bars based on the number of gold grams in the account, such as 1 gram, 2 grams, or multiples thereof. The purpose of this gold savings socialization is to provide in-depth knowledge and understanding to housewives about the benefits of gold savings as an investment tool. The service partner consists of 20 housewives from RT 08 RW 15, Meteseh Village, Semarang City. The community service method includes preparation, implementation, evaluation, and reporting. The preparation phase involved gathering information, determining the theme, and organizing the material for the activity. The implementation of PKM involved providing education through lectures, Q&A sessions, discussions, and simulations on gold savings knowledge. The evaluation phase consisted of administering pre-test and post-test questionnaires and preparing a final report. The results of the Community Service implementation, based on the evaluation of pre-test and post-test for the housewives of RT 08 RW 15, showed an improvement in knowledge and understanding of gold savings, from 36.25% in the pre-test to 66.75% in the post-test.

Deli Serdang Regency located in North Sumatra Province has significant economic potential, supported by the agriculture, industry, trade, and service sectors. In recent years, Deli Serdang Regency has experienced fluctuations in its economic growth. This study analyzes the economic growth of Deli Serdang Regency using the Solow-Swan model. Secondary data from the Central Statistics Agency (BPS) in 2019-2020 accessed through the website https://www.bps.go.id/id analyzed to estimate model parameters. The results show that: (1) the level of savings and investment has a significant effect on economic growth, (2) technology and labor growth play an important role in increasing productivity, and (3) fiscal and monetary policies need to be optimized to increase economic growth. The Solow-Swan model effectively explains the dynamics of economic growth in Deli Serdang Regency.

There are two issues studied in this thesis, namely: the management of Village Unit Cooperatives in improving the welfare of members in Lubuk Mandarsah Village, Tebo Regency and the management of Village Unit Cooperatives from a sharia economic perspective. The aim of this research is to determine the management of Village Unit Cooperatives in improving the welfare of members in Lubuk Mandarsah Village, Tebo Regency and to determine the management of Village Unit Cooperatives from a sharia economic perspective. To reveal this problem in depth and comprehensively, researchers used a qualitative approach by collecting data using observation, interviews and documentation. The data analysis technique used is field analysis using an interactive model including data reduction, data display, data verification. From the research results, it can be concluded that: In the management of the Village Unit Cooperative in Lubuk Mandarsah Village, Tebo Regency, 4 (four) cooperative management functions are implemented, namely: planning, organizing, acting, and monitoring. controlling). There are business units such as supermarkets, convenience stores, savings and loans, agricultural production facilities, and the provision of fertilizer which are solutions for the community according to their individual interests. In the management of the Village Unit Cooperative in Lubuk Mandarsah Village, according to an Islamic economic perspective, namely using the principle of shura' (deliberation) in every decision making, and also using the principle of ta'awun (mutual assistance) in the Village Unit Cooperative which has been implemented but equated with the principle of mutual cooperation.

Education on the Concept of Waste Bank, Green Economy, and Circulating Money to the Community is carried out in order to understand how its application becomes a household income opportunity, for example by becoming a new source of income from saving household waste that has been applied so that it is able to read the economic and environmental problems that occur. How the impact of the Waste Bank on income from household waste. Which is related to improving household welfare through community knowledge / understanding related to Waste Bank, Green Economy, and Circulating Money. From this community service, the results show that with the existence of the Waste Bank, the application of the Green Economy concept can be seen from the collection of household waste easily collected at the Waste Bank, the community becomes a customer, has savings, withdraws money, then continues consumption shopping from the money, which means there is buying and selling activity in the market because there is money circulating in the community. This affects economic activity in the Medan Belawan sub-district.

According to the term, waqf is the holding of assets whose benefits are taken without being destroyed immediately for permissible use and is intended to obtain the blessing of Allah SWT. This study aims to analyze the management of waqf at the Indonesian Waqf Tabung institution in the waqf fund model and the programs implemented with benefits to various fields. This research uses qualitative research methods. The data used consists of primary data and secondary data obtained through observation and pre-existing literature or research. The research results show that the waqf management at Tabung Waqf Indonesia is in accordance with Islamic law, can run programs well and is invested in various forms of business with surplus proceeds being used for social programs, and the management of the waqf has had positive implications in improving the community's economy. This research contributes to the development of studies related to waqf management at the Indonesian Tabung Waqf institution in the waqf fund model and the programs implemented with a more detailed explanation along with their relationship to benefits in the fields of health, education, economics and social development.

Foreign debt (ULN) is one of the important issues in the dynamics of the global economy, especially for developing countries. This study aims to analyze the causal factors, conditions of ULN in Indonesia, and its impact on the economy. Qualitative research methods with a literature approach were used to collect data from various written sources. The results of the study indicate that the factors causing ULN in Indonesia include the inability to provide sufficient development funds, an imbalance between investment and savings, and dependence on imported goods. The impact of ULN on the Indonesian economy is divided into positive and negative impacts. The positive impacts include effective sources of development financing, recognition of the country's ability to pay off debt, the establishment of relations between countries, and encouragement of domestic policy improvements. The negative impacts include the burden on the APBN, reduction in spending strategies, the influence of creditor countries in policy making, and the stigma of being a failed state. The study concludes that ULN in Indonesia needs to be managed wisely by considering long-term risks. Some recommended solutions include delaying principal debt payments, changing payment obligations, and reducing principal debt. This study provides important information for policy stakeholders and the Indonesian public in understanding the importance of wise ULN management to encourage sustainable economic growth and improve people's welfare.

Inflation is a significant economic challenge in Indonesia, affecting price stability and people's purchasing power. In a sharia economic perspective, inflation is not only seen as an economic phenomenon, but also involves moral and social aspects. This article discusses the role of sharia monetary instruments in controlling inflation in Indonesia, highlighting the principles of fairness and transparency. Instruments such as Bank Indonesia Sharia Certificates (SBIS), Bank Indonesia Sharia Savings Facilities (FASBIS), and Sharia Open Market Operations (OPT) have been implemented to regulate the amount of money in circulation and maintain economic stability. Although their contribution to controlling inflation is still limited, the potential of sharia instruments can be strengthened through increasing market understanding, education and collaboration between the government, Bank Indonesia and sharia financial institutions. With more optimal implementation, sharia monetary instruments can create a stable, fair and sustainable economic system for the Indonesian people.

According to the Indonesian Statistics Agency (BPS), economic growth in 2023 is estimated to remain strong in the range of 5.05% (yoy), this economic growth is better compared to the last two years considering that the government continues to optimize the recovery period from Covid-19. According to Sadono Sukirno (in Puspitasari et al., 2024) one of the policies to accelerate the development process is to increase government savings, the savings rate Economic growth can be interpreted as a process of increasing the value of output per capita in the long term. The purpose of this study is to determine the effect of Tax Revenue, Foreign Investment (PMA), Domestic Investment (PMDN) on economic growth in Indonesia. This study uses a quantitative approach using time series data sourced from the Central Statistics Agency of Indonesia (BPS) for 2014-2023. The data analysis technique uses multiple regression analysis using the E-views 10 program. The results of the study determine that tax revenue has a significant effect on economic growth in Indonesia, foreign capital revenue (PMA) has a negative and insignificant effect on economic growth, while domestic capital revenue (PMDN) has a positive and significant effect on economic growth.

The role of financial literacy is very important in improving family welfare, especially in managing household income and expenses. Housewives, as the main manager of family finances, need a deep understanding of how to manage finances wisely. This educational program is designed to provide and improve the understanding of housewives in Klambir 5 Medan city about financial literacy. The activity methods used in this service include the presentation of financial literacy material accompanied by relevant examples, conducting interactive discussions and questions and answers to participants, and providing recommendations for financial strategies in realizing household financial welfare. Then provide assistance, and evaluate financial management practices carried out by participants in Klambir 5 Medan City in managing their household finances. The results of the program showed a significant increase in the participants' ability to manage family budgets, saving habits, and reduction of consumptive debt. The researcher also proposes a sustainable empowerment model to strengthen the impact of the program in various communities.

This community service aims to optimize bank management in Mengwi Village, Mengwi Regency in an effort to increase efficiency, effectiveness and positive impacts from the existence of waste banks in waste management, which steps will provide efforts for community empowerment and participation. The implementation method used in this service is training, mentoring and evaluation by delivering material directly to the Waste Bank manager in Mengwi Village which is also used as an object of service.The problem faced during the survey was how to raise awareness and involvement of the community to take an active role in the waste bank program. It is hoped that this training and mentoring activity will provide management with education and understanding to the community so that they can work together to maximize the contribution of the waste bank in an effort to manage waste from origin using the 3 R (Reduce, Reuse, Recycle), which ultimately aims to reduce the volume of waste entering the waste bank. landfill, increasing environmental awareness and impacting community welfare. The response from the Mengwi Village Waste Bank management to this activity was very good and positive, this can be seen from the management's willingness to participate in the activity from start to finish. From the evaluation activities carried out on waste bank managers, it can be said that managers understand the material regarding the importance of providing understanding to the community to participate in developing waste banks. Where in their involvement, the community not only gets a healthy environment, but from an economic perspective, the community also gets benefits by having savings on tires. The savings can later be exchanged for basic necessities such as rice, sugar and coffee.

This study aims to analyze the marketing strategy of PT Bank Perkreditan Rakyat (BPR) Swadaya Anak Nagari in attracting people's interest in saving money in Bandarejo Hamlet 1, West Pasaman Regency. A qualitative approach was used through field method with interviews, observation, and documentation. Research results showed that PT BPR Swadaya Anak Nagari implements four main marketing strategies: product strategy, price, and documentation. four main marketing strategies: product, price, promotion, and location strategies. Featured products such as KMB Savings (Kacio Mingguan Bajapuik) offers a savings collection service from the customer's home, making it easier for customers to save. service from the customer's home, providing convenience for people who find it difficult to reach bank locations. reach the bank's location. Direct promotion strategy through personal communication is the main key to success, building a close relationship between customers and the bank. bank. The strategic location of the bank office also contributes to the ease of access services. However, interest in saving, especially among teenagers and young adults, still low due to limited facilities such as ATM cards and mobile banking services. banking services. This finding highlights the need for the development of digital innovations to increase product appeal and expand market share. Research concluded that promotional strategies dominate in increasing the number of customers, while adapting to technology needs is a challenge to encourage wider to encourage wider interest in saving. This research provides important insights important insights for the management of marketing strategies in the local banking sector.

This study aims to analyze strategies for product innovation in Islamic finance to enhance financial inclusion, a significant challenge in countries with large Muslim populations such as Indonesia. The research employs a qualitative approach, utilizing data from various literature sources, including academic journal articles, reports from Islamic financial institutions, and government regulations. The findings reveal that Islamic financial product innovation can be categorized into new product development, digital technology adoption, improvement of Islamic financial literacy, and cross-sectoral collaboration. Products such as microfinance based on Sharia contracts, digital waqf savings, and technology-driven Takaful insurance exemplify innovations aligned with modern societal needs. Additionally, Islamic fintech platforms have expanded financial access for remote communities, despite challenges such as low digital literacy and limited infrastructure. Islamic financial literacy emerges as a crucial element influencing public trust and participation in formal financial systems. In practice, cross-sector collaboration among Islamic financial institutions, governments, and the technology sector serves as a strategic approach to address regulatory barriers, competition with conventional sectors, and inconsistent global standards. This study recommends strengthening regulations, enhancing financial literacy, developing inclusive digital technologies, and fostering international cooperation to support the sustainable growth of the Islamic finance sector. With integrated strategies, Islamic finance holds significant potential not only to improve financial inclusion but also to create a fairer, more inclusive financial system that aligns with Islamic values in the modern era.

The increasing frequency and severity of tsunamis in coastal areas underscore the urgent need for efficient Tsunami Early Warning Systems (TEWS). This research aims to optimize TEWS by integrating fast computational tsunami wave modeling to enhance prediction speed and accuracy. The study utilizes numerical simulations employing finite volume methods, along with GPU acceleration, to model tsunami wave propagation and its impact on coastal areas. Machine learning techniques, such as regression trees, are incorporated to analyze large datasets of pre-computed tsunami simulations for accurate forecasting. The results reveal that by applying rapid computational methods, detection time can be reduced by up to 7 minutes, particularly for near-field tsunamis. This significant time-saving enables more effective evacuation procedures and better disaster mitigation efforts. In comparison to conventional systems, the fast computation model also provides more accurate predictions, including tsunami heights and arrival times. The implications of these findings suggest that fast computational methods can substantially improve the current TEWS, allowing for quicker and more reliable tsunami warnings. Moreover, the integration of advanced machine learning techniques ensures the system's adaptability and robustness in predicting tsunami behaviors based on varying data inputs. The potential for implementing this model in tsunami-prone regions worldwide is considerable, offering an improved approach to tsunami disaster preparedness and response. By reducing detection time and enhancing prediction accuracy, the optimized TEWS can significantly minimize loss of life and infrastructure damage, making it a valuable tool for global disaster management strategies.  

The Community Service Program (KKN) is a form of community service carried out by students as part of the Tri Dharma of Higher Education. The KKN activity carried out in Telaga Jernih Village, Langkat Regency, aims to improve financial literacy among early childhood. This program focuses on introducing basic economic concepts and money management through interactive activities involving children and the local community. One of the main activities in this program is making piggy banks from recycled materials, which not only aims to instill the habit of saving, but also increase environmental awareness. The method used in this activity is a qualitative approach with direct observation, interviews, and documentation. The results of this activity show a significant increase in children's understanding of the importance of saving and managing money wisely. Children who were previously not used to saving, began to show changes in behavior by setting aside their pocket money regularly. In addition, this program also has a positive impact on parents and the local community, who are beginning to realize the importance of financial education from an early age. However, the challenges faced in implementing this program are limited time and resources, which can affect the sustainability of saving habits among children after the program ends. Therefore, support from schools and parents is needed to ensure that the savings habits that have been taught can continue to develop. Overall, this program has made a significant contribution in forming awareness of the importance of financial literacy and money management among early childhood and the Telaga Jernih Village community.

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

KKN Mandiri is a real work lecture activity carried out by students individually. It aims to increase awareness and understanding of early childhood children about the importance of saving as a provision for the future. The activity was carried out in two schools, namely Nur Ilmi Kindergarten, Jaranguda Village and Muhammadiyah 01 Medan Mandala Islamic Senior High School. Through socialization and motivation to save, it is hoped that children can develop a habit of living frugally and being responsible in managing money from an early age. The methods used in this activity include lectures, discussions, questions and answers, and making creative piggy banks from recycled materials. This activity is designed to provide an understanding that is easily accepted by children with a fun and interactive approach. The results of this community service activity show an increase in students' understanding of the benefits of saving. Students become more enthusiastic in setting aside their pocket money to save, both in piggy banks and in the bank. Through making creative piggy banks, students gain direct experience in the practice of saving and feel motivated to continue this habit at home. In addition, the involvement of parents and teachers also strengthens the positive impact of the program, where they are expected to continue to support children in saving. The conclusion of this activity is that the socialization of saving in early childhood has a positive impact in raising awareness of the importance of saving. The creative approach taken has proven effective in motivating students to start saving. This program is expected to be a foundation for children in forming good financial habits in the future. Continuous support from schools and families will greatly assist in maintaining the sustainability of saving habits in children.

The history of the birth and development of cooperatives in developed (western) and developing countries is indeed very diametric. In the west cooperatives were born as a Movement to fight against market injustice, therefore growing and developing in an atmosphere of market competition. Even with its strength, cooperatives have achieved a bargaining position and an important position in the constellation of economic policies, including in international negotiations. The laws and regulations that govern cooperatives grew later as a demand of the cooperative community in order to protect themselves. The purpose of the research is to find out how the Role of the Tunggal Jaya Fakfak I Savings and Loan Cooperative (KSP) on the income and business of its members. To find out whether the role of the Tunggal Jaya Fakfak I Savings and Loan Cooperative (KSP) on income and business can improve the welfare of its members. This research method uses quantitative and qualitative methods. The results of this study prove the contribution made by the Tunggal Jaya Fakfak I Savings and Loan Cooperative (KSP) to the Community and its members, so it can be said that the Tunggal Jaya Fakfak I Savings and Loan Cooperative (KSP) plays a very important role in improving the welfare of the community in Fakfak Regency especially the people who are its members so that the standard of living is more guaranteed and the welfare of its members is also achieved due to changes in the income of its members. In conclusion, the Tunggal Jaya Fakfak I Savings and Loan Cooperative (KSP) also has a positive impact on the government in helping to overcome the problem of poverty by playing a role in providing savings and loans, to members and the community in Fakfak Regency, so that the community can develop their businesses.