Publication Search

In order to reduce poverty and inequality and increase economic growth and productivity, the paper examines the importance of financial inclusion and national development in Nigeria, with a focus on Niger State. It does this by assisting individuals and businesses, particularly small and medium-sized enterprises (SMEs), in saving and investing, managing financial risks, and facilitating smooth consumption. This study identifies major supply-side and demand-side obstacles to financial inclusion as well as structural barriers, and it draws attention to Niger's relative behind other WAEMU nations in terms of youth and women's use of formal financial services. In order to assist the nation's development goal, it lays out major targets for Niger to harness the potential of increased financial inclusion. These include initiatives to address inadequate financial literacy, encourage digitization, and address informality.

Socialization is a means of the learning and teaching process. The purpose of socialization and counselling is to provide individuals and community groups with an understanding of something. Saving is essential in terms of financial management. Saving is setting aside money for a certain period that can be used. Knowledge about finances is not only intended for adults or parents, but young children need to be given understanding and good habits that can be useful in later life. The targets for this activity are the children of the Al Hayat Orphanage in the Milangasri District, Panekan District. Magetan. The number of participants was 28 people, consisting grade elementary school to high school. This activity benefits children at the Al-Hayat Magetan Orphanage to be more creative in processing used goods into valuable products even though they are not of high value. Apart from that, this activity is hoped to inspire others to see creative potential in things that are usually considered waste or rubbish.

The process of handling financing aims to identify strategies for addressing problematic financing in savings and loan cooperatives or BMT (Baitul Maal Wat Tamwil). The research method employed is qualitative, utilizing structured interviews, field observations, and documentation for data collection. The primary factors contributing to problematic financing in BMTs are identified as internal factors (suboptimal analysis of documents and adherence to financing standard operating procedures) and external factors (dishonesty and untrustworthiness among members, malicious intentions, procrastination by members, and unintentional factors such as relocation and natural disasters). Handling strategies involve communication via mobile phones (WhatsApp messages or calls), issuing warning letters, and executing collateral. Efforts to mitigate problematic financing include strict adherence to standard operating procedures, adequate task allocation, the application of prudence principles, and enhancement of employee skills.

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 importance of branding, advertising and selling (BAS) for both tourist attractions and government agencies, one of which is to be able to improve the image and reputation of a tourist attraction or agency so that it can be known by the wider community. Likewise in the tourism sector, the existence of the BAS concept in addition to being able to change and improve the image of the region, advertising activities will have a great impact on the tourism sector such as being able to attract tourists, investors, be known by the public, and increase the number of tourist visits. In the context of tourism marketing, BAS strategy, especially in terms of advertising, plays a decisive role in achieving the goal, namely the accuracy of marketing promotion actions to reach the specified market segment. This can be seen, among other things, from the increase in the number of tourists who buy tourism products or visit marketed destinations. The researcher uses a qualitative descriptive approach because in accordance with the purpose of the research, namely wanting to obtain and describe in depth and thoroughly the BAS promotion strategy in terms of advertising in the development of the tourism industry in Talun District, Cirebon Regency as a tourist destination. Advertising/Advertising in tourist destinations carried out by the Talun District government through social media is very effective and efficient in saving marketing budgets. This program increases public interest in various tourist attractions that can be visited through videos containing natural beauty, tourist attractions, culinary places and information related to the calendar of activities in Talun District which is then uploaded through the website and social media Instagram, blogs, Facebook, and Youtube.

Lean Inventory Management is a systematic approach that focuses on reducing waste in the inventory management process to improve operational efficiency and reduce costs. This study aims to analyze the impact of Lean Inventory Management implementation on reducing inventory costs in manufacturing companies. This research uses a case study method in a manufacturing company that has implemented Lean Inventory Management. Data were collected through in-depth interviews, direct observation, and analysis of company documents. The analysis techniques used include descriptive and comparative analysis to measure changes in inventory costs before and after implementation. The results showed that the implementation of Lean Inventory Management succeeded in significantly reducing inventory costs. Some of the strategies implemented include the implementation of Just-In-Time (JIT), reduction of buffer inventory levels, improved coordination with suppliers, and the use of information technology for real-time inventory monitoring. In addition, the company also noted improved operational efficiency and customer satisfaction as a positive impact of implementing Lean Inventory Management. This study concludes that Lean Inventory Management is an effective approach to reduce inventory costs in manufacturing companies. Proper implementation of lean strategies can result in significant cost savings

The aim of this research is to determine the effect of the Upin & Ipin cartoon film on morale in children aged 5-6 years in Tuna Jaya Kindergarten. Background Moral development in children is the child's behavior and good behavior, namely honesty, tolerance, through the Upin & Ipin cartoon film there is moral development in children, teaching positive values ​​that are useful in everyday life. The research method used was a single subject quantitative experimental method, the data collection technique was observation, documentation. The results of this research show that the influence of the Upin & Ipin cartoon film on morale in children aged 5-6 years at Tunas Jaya Kindergarten has a positive impact on children. There is a positive impact on children after watching the Upin & Ipin cartoon film. Children are more knowledgeable. Have a good attitude. Moral development. Cooperation, mutual help, saving, keeping the environment clean. Children imitate the attitudes found in the Upin & Ipin cartoon series. Children will model what the child sees.

Reusing used mineral water bottles as material for making piggy banks is a popular way to teach children about the importance of saving from an early age. This practice also has the added benefit of reducing the amount of plastic waste scattered around the living environment. Plastic waste that is not managed properly can cause serious environmental pollution. The service activity at Primary School 56, Tihu Subdistrict regarding making piggy banks from used bottles aims to train children's skills in processing used goods into something useful, but also to teach the importance of saving from an early age. Making piggy banks from used bottles is an opportunity for children to develop their creativity by utilizing used items into useful products. Through this activity, children can learn while being creative, understanding the importance of protecting the environment and managing waste better, as well as motivating them to like saving.

This research investigates the impact of credit services provided by Makmur Bersama Savings and Loan Cooperative on the income of its members in three main dimensions, namely credit contribution, credit services, and business improvement through credit services. The research employs a quantitative approach using the SPSS version 22 statistical tool. The study was conducted in the Jati Rungo Village, Pringapus District, Semarang Regency, Central Java, with the entire population of members serving as the sample. The results of the analysis indicate that the credit contribution variable has a relatively small but significant influence on member income, while the credit services and business improvement through credit services variables have a positive and significant impact on member income. Simultaneous hypothesis testing confirms the significant effect of at least one independent variable on member income. In conclusion, the observed factors such as credit contribution, credit services, and business improvement through credit services have a significant influence on cooperative member income, providing crucial insights for cooperative management to enhance services and financially empower their members.

This study aims to identify the factors influencing delays in the claim process of theRetirement Savings Scheme (JHT) at the BPJS Employment Branch Office in Medan. Aqualitative approach was employed through in-depth interviews with BPJS employees,rticipants,andbranch managers.The findingsrevealthatinternalfactorssuch asincomplete documentation, human resource limitations, and technological system disruptionsplay a significant role in causing claim delays. Additionally, external factors includingsuddengovernmentregulatorychangesand inadequateparticipantinformation alsocontribute to these delays. The impact of claim delays on participant satisfaction is profound,necessitating improvements in claim management administration. Based on these findings, itis recommended to enhanceparticipant education and awareness, strengthen humanresources, improve technological system reliability, and develop adaptive mechanisms forregulatory changes to enhance efficiency and participant satisfaction in the JHT claimprocessattheBPJS EmploymentBranchOfficein Medan

The formulation of the problem in this research is: Does the quality of bank service influence the customer's decision to choose IB Fajar Mudharabah Savings at PT. BPRS Fajar Sejahtera Bali? This type of research is quantitative research and data collection methods by distributing questionnaires and documentation. The research subjects used a population of 2,764 customers and a sample of 30 customers. The analysis in this research uses IBM SPSS 25. The results of this research show there is an influence between service quality on the customer's decision to choose where t count > t table is 3.549 > 1.695. There is an influence of service quality on customers' decisions to choose IB Fajar Mudharabah Savings at PT. BPRS Fajar Sejahtera Bali.

In today's digital era, almost all parts of human life depend on the development of information and communication technology, which helps in increasing efficiency, effectiveness and cost savings in various activities. The role of information and communication technology is very vital in human life today. The National and Political Unity Agency (BAKESBANGPOL) is a government agency which has the main task of social and political development in the Central Lombok Regency area. BAKESBANGPOL has implemented a system or application called e-Kinerja. The implementation of the e-Kinerja application is said to be running quite well and is easy to use, however the e-Kinerja Application also often experiences problems such as frequent human errors and lack of socialization of the e-Kinerja Application which will have an impact on decreasing efficiency and decreasing trust in the system. Therefore, measurements of application quality need to be carried out. This research aims to measure the level of usability using the USE Questionnaire method in the e-Kinerja application. This research uses quantitative research with stages of observation and interviews, preparation of questionnaires, distribution of questionnaires. The results of this research are the results of calculating the usability measurement of e-Kinerja, which obtained a value of 81.45% which is in the range of 81-100, where the e-Kinerja application at BAKESBANGPOL Central Lombok Regency is very suitable for use by ASN.

This research aims to find out what factors cause more women to sell at the Aurduri market, how women contribute to helping their family's economy, and to find out the obstacles faced by women traders at the Aurduri market. This research uses qualitative methods, with data collection techniques through observation interviews and documentation. The results of the research show that there are three factors that cause women to sell more at the Aurduri market, namely: first, the family economic factor, where the husband's income is insufficient for daily living needs. The second factor is education and age, where female traders who have low education and are quite old and do not have the qualifications to work in other places, because they are old, but they are still fit and productive to work, decide to become traders at the Aurduri market. The three self-actualization factors from the research show that the informants admitted that they enjoyed selling at the market because apart from being able to meet friends, filling in their free time also increased their income. The contribution of female traders to the family is classified as medium to high, which can be seen from the results of their sales which are used for daily needs, to increase family income, and also for savings. There are two obstacles faced by women traders, namely the weather conditions when it falls, secondly, the large number of home-scale vegetable sellers competes with the prices and completeness of goods which are available in almost every neighborhood and housing complex, especially on the road to the Aurduri market.

The Public Housing Savings Program or what is known as Tapera has become a national polemic which is starting to become unsettling among the Indonesian people. The People's Housing Savings Management Agency (BP Tapera), which until now seems to only collect public funds through savings with a savings scheme that is still unclear. By looking at this problem, the author found that the Additional Service Benefits program that previously existed and could run exactly the same as the Tapera program with income tax cuts for each taxpayer, this shows that it would be more effective if there was just one program so that there would be no inequality. According to the Minister of Manpower's Regulation regarding the procedures for granting, requirements and types of additional service benefits, it is stated that the type of additional service benefit can be in the form of a housing mortgage, which to date not all people use.

The Indonesian government is enthusiastic about continuing the biodiesel program as one of the new and renewable energy mandatory programs which has proven to be able to provide many benefits ranging from achieving environmentally friendly energy, saving state foreign exchange, increasing energy security, to providing jobs; in line with the 7th principle of sustainable development goals (SDGs). In fact, the Indonesian government has increased the B30 Biodiesel program in 2020 to B35 in 2023. It is supported by the Palm Oil Plantation Fund Management Agency (BPDPKS), which has the authority to collect CPO export levy funds and redistribute them to biodiesel producers, so that they can produce biodiesel economically. With this mechanism, the Biodiesel program can be implemented even though the price of biodiesel is more expensive than fossil fuels, but does not burden the State Budget (APBN). However, this program is difficult to increase, because the availability of incentive funds is limited by the amount of CPO exported and the amount of the levy. The Ministry of Energy and Mineral Resources (ESDM) must find a way for the biodiesel energy program to achieve the 23% energy mix target in 2045, and not rely on export fund levies anymore.

LPD is an institution in the financial services sector whose main activity is accepting deposits/savings and also deposits from the traditional village krame itself. In its management, LPD also functions as a place to borrow money or credit with conditions that are much lighter than other banking institutions but are intended for only specific to their own traditional village manners.  In cases of criminal acts of corruption that have occurred so far, not only are they detrimental to state finances, but are also violations of the social and economic rights of society at large, so that criminal acts of corruption need to be classified as crimes whose eradication must be carried out in an extraordinary manner. Law enforcement agencies, such as the Corruption Eradication Committee, the police and the prosecutor's office, must always be alert in the process of investigating and handling corruption cases which are very widespread in Indonesia. Apart from that, to further guarantee legal certainty, avoid variations in legal interpretation and provide protection for the social and economic rights of the community, as well as fair treatment for members of criminal acts of corruption, it is necessary to make changes to Law Number 31 of 1999 concerning the Eradication of Criminal Acts. Corruption.

Hydroponic plants are plants that grow using hydro or water media. This plant is more efficient in saving space, soil media and fertilizer and so on. This community service research aims to describe strategies for improving the economy of PKK mothers by implementing the idea of hydroponic plants in Pertanmaduretno Village, Taman District, Sidoarjo Regency. The author used descriptive qualitative research with observation and documentation data collection techniques at the research location. Data analysis techniques use data collection, data presentation, data condensation, and data conclusion. The results of the research show that the hydroponic plant strategy is effective in improving the economy of PKK mothers. The author participated in observing and playing a direct role in planting hydroponic plants.

The bank is an official state institution in the financial sector that has the task of withdrawing and disbursing public money. Banks are one type of trusted institution among the surrounding community. Banks that have a non-trivial task make the bank also registered in the law for its security. There are many banks in Indonesia, one of which is BSI. BSI is the only bank that applies sharia principles based on the Koran and hadith. The existence of these principles makes Islamic banks not carelessly choose transactions or cooperation with other parties or customers. Uniquely, Islamic banks also use a profit sharing system as their ratio. Whereas conventional banks use the deposit interest system as their ratio. That is why researchers are interested in conducting research on the difference between the principles of Islamic banks and conventional banks in fundraising products (funding). There are three types of fundraising products in both Islamic and conventional banks, namely checking accounts, savings accounts and time deposit accounts. The difference is that Islamic banks use wadi'ah contracts and mudharabah contracts. This study aims to introduce to all people that Islamic banks have their own uniqueness and characteristics. Therefore, it is necessary to explain the contracts involved in Islamic banking. In this study, researchers used qualitative techniques. There are two data sources: Primary and secondary data sources. The researchers conducted direct interviews with informants based on primary data.

Early savings socialization for students of SDN 56 Perumnas Poka is an effort to teach students about the importance of early savings. This socialization program is useful to provide students with an understanding of how to set aside money, manage money, and introduce the concept of saving. In this program, students are taught about the importance of saving through activities. They are given an understanding of the purpose of saving, such as to prepare for the future or for emergency needs. This socialization activity is carried out using a method in implementing this socialization activity by providing and educating students about the importance of saving and also giving lessons on the benefits of saving since childhood, and practice making piggy banks from used materials. With this socialization program, it is hoped that elementary school students at SDN 56 Perumnas Poka can understand the importance of managing money well and must have the habit of saving from an early age. This will help them increase their awareness of saving money from an early age to build their future.

This study aims to determine the effect of financial literacy and lifestyle on saving behavior with self-control as an intervening variable among undergraduate students of the Faculty of Economics and Business at PGRI University Semarang. This research employs a quantitative approach with data collection methods using surveys conducted through questionnaires. The population of this study consists of 1,464 undergraduate students from the Faculty of Economics and Business cohorts 2020-2023. The sampling technique used is purposive sampling, involving 314 respondents from the Management Study Program and the Digital Business Study Program. Data analysis was performed using SEM with the assistance of SmartPLS software. The results of hypothesis testing indicate that financial literacy and lifestyle have a positive and significant effect on saving behavior. Additionally, self-control serves as a mediator in the relationship between financial literacy and lifestyle on saving behavior.   Keywords: , , ,