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Wise financial management from adolescence is an important skill that needs to be instilled early. However, low levels of financial literacy among students often make it difficult for them to manage their pocket money effectively. This community service activity aims to provide financial literacy education to students of SMA Negeri 3 Medan to improve their understanding and skills in managing their pocket money wisely and responsibly. The activity implementation methods included interactive counseling, group discussions, and simple financial planning simulations. The results of the activity showed an increase in students' understanding of basic financial literacy concepts, such as the importance of saving, budgeting, and distinguishing between needs and wants. Furthermore, students also showed high enthusiasm in participating in the activity and were able to independently develop personal financial plans. This education is expected to provide initial provisions for adolescents in developing healthy financial habits and encourage the creation of a more financially literate young generation

The Paiton Steam Power Plant (PLTU) is one of the main sources of electrical energy in East Java, which plays a vital role in maintaining a sustainable electricity supply. The reliability of generator units is a key element in maintaining stable energy distribution. However, the high frequency of sudden generator failures poses serious challenges, such as increased downtime and increased maintenance costs. To address these challenges, this study aims to design a generator maintenance prediction model based on the Naive Bayes algorithm with a predictive maintenance approach. This study uses historical maintenance data and key sensor parameters such as temperature, oil pressure, and vibration as input. The data is analyzed through several stages, namely data preprocessing, selection of relevant features, and labeling generator conditions into three categories: Normal, Warning, and Critical. The Naive Bayes model is trained to classify the data probabilistically to generate predictions of future generator conditions. Model evaluation using accuracy metrics and a confusion matrix shows that the model successfully achieved an accuracy rate of 89% and was able to provide early warnings of potential failures up to 3 days before failure occurs. The implementation of this system is expected to support the shift in maintenance strategies from reactive and scheduled systems to data-driven predictive systems. Implementing failure predictions allows the technical team at the Paiton PLTU to conduct planned maintenance, avoid sudden disruptions, and extend equipment lifespan. Thus, this model has the potential to reduce operational downtime by up to 25%, while providing significant savings in operational and logistics costs. This research also shows that integrating machine learning technology into energy facility management can improve the efficiency and resilience of the overall electric power system.

In the evolving dynamics of Indonesia's economy, unsecured loans or Kredit Tanpa Agunan (KTA) have rapidly grown as a popular financial solution. The ease of application and fund disbursement makes these products especially attractive to micro-entrepreneurs and lower-middle-income communities. However, behind the convenience lies a serious issue: a high rate of default or breach of contract (wanprestasi). This problem is exacerbated by the low level of legal literacy among the public, leading to a lack of understanding of their rights and obligations in financing agreements. Most individuals are also unaware that there is a faster, simpler, and low-cost legal mechanism available for resolving civil disputes—namely, the Small Claims Court procedure, as regulated by the Supreme Court Regulation (Perma) No. 4 of 2019. This mechanism can be utilized by the general public, especially clients of microfinance institutions and credit cooperatives, to resolve civil conflicts involving claims of up to IDR 500 million without going through complex litigation. To address this issue, this community engagement activity aimed to improve public legal understanding of the Small Claims Procedure through participatory-based training. The training involved 50 participants from microfinance institutions and savings and loan cooperatives. The methods used included legal counseling, mock court simulations, group discussions, and case studies to provide participants with practical knowledge of the procedures and benefits of filing small claims. The results of the activity indicated that 78% of participants reported a better understanding of the Small Claims mechanism after the training, and 65% stated they were more inclined to use it compared to conventional litigation routes. This training had a positive impact on raising legal awareness, potentially reducing default rates, and contributing to the development of a more inclusive, fair, and sustainable financial system.

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in supporting Indonesia's economy, contributing 61.07% to the national Gross Domestic Product (GDP). However, MSMEs still face various challenges, particularly low productivity due to limited access to technology and production equipment. A clear example is Kedai Ndeso, located in Jiyu Village, Kutorejo District, Mojokerto Regency. This small food business faces inefficiencies in the noodle boiling process, which is still done manually using conventional methods, resulting in limited production capacity and longer service times. Through this community service program, the implementation team aimed to develop and apply an appropriate technology innovation in the form of a multi-strainer noodle boiler to help improve MSME productivity. The method used was a participatory approach, actively involving the Kedai Ndeso owner throughout each stage of the program, which was conducted from July 13 to 24, 2025. The developed noodle boiler measures 35x35x35 cm and is made of food-grade stainless steel. It features six separate strainers, allowing six portions of noodles to be cooked simultaneously in the same amount of time.nTesting results demonstrated that this tool significantly increased production efficiency without compromising the quality of the noodles. It also led to operational cost savings, especially in terms of energy use and labor time. Additionally, training and outreach activities were carried out to ensure effective knowledge transfer to the MSME owner. This appropriate technology innovation has proven to be a practical solution for MSMEs in the culinary sector, helping them increase productivity and competitiveness while maintaining consistent product quality and ensuring food safety. Therefore, this initiative provides a tangible contribution to supporting the sustainability and independence of small enterprises in rural areas, empowering them to compete more effectively in the modern economy.

This study aims to analyze the electrical energy consumption of a bench-type drilling machine, RYU RDB 13, by varying machining parameters in the form of spindle speed and feed rate. Electrical energy is a critical aspect of production efficiency in the manufacturing industry, particularly in machining processes that require continuous power consumption throughout the cutting operation. The material used in this study is aluminum 6061, chosen for its lightweight, corrosion resistance, and wide application in the automotive and aerospace industries. The drilling process was carried out using three spindle speed variations: 620 rpm, 920 rpm, and 1280 rpm, along with three feed rate variations: 0.04 mm/rev, 0.08 mm/rev, and 0.1 mm/rev. Current and voltage were measured using a digital wattmeter in real-time, and energy consumption was calculated in wattseconds (Ws) using power calculation formulas. The results indicate that increasing the feed rate and spindle speed leads to higher instantaneous power consumption. However, total energy consumption tends to decrease at higher speed and feed combinations due to shorter machining times. The optimal parameter combination was found at a feed rate of 0.1 mm/rev and a spindle speed of 1280 rpm, which resulted in the lowest energy consumption of 387 Ws and the fastest drilling time. This demonstrates that selecting the right machining parameters not only improves energy efficiency but also maintains or enhances productivity. The observed power consumption pattern typically shows a sharp increase at the beginning of the drilling process, a stable phase during the main cutting stage, and a rapid decrease towards the end of the cut. These findings contribute to a better understanding of the relationship between machining parameters and energy efficiency, serving as a basis for developing sustainable production strategies in the manufacturing sector that prioritize energy savings and cost reduction.

The purpose of this study is to determine the effect of compensation, employee well-being and work motivation as intervening variables on employee performance, this study will test the direct and indirect effects. In this study using quantitative research methods. The number of samples used in this study totalled 112 respondents. By using saturated sampling technique where the entire population is sampled. By using Smart PLS version 3, the analysis results show that 1) compensation has a significant effect on employee well being 2) compensation has a significant effect on work motivation 3) compensation has a significant effect on employee performance 4) employee well being has a significant effect on employee performance 5) work motivation has a significant effect on employee performance 6) compensation mediates the effect of employee well being on employee performance 7) compensation mediates the effect of work motivation on employee performance.

The study stems from the significance of social aid as a tool for empowering low-income households. The Non-Cash Food Assistance (BPNT) program is designed not only to fullfill basic needs but also to support long-term improvements in family financial well-being. The study aims t explore how financial well-being and family finance are interpreted by both beneficiaries and government actors in Malang City. Employing a qualitative method with single-case study design,data were collected through in-depth interviews, direct observation, and document analysis. Finding reveal that financial well-being is perceived as a state of economic stability, demonstrated by the ability to meet essential needs, manage debt, and plan finances effectively. Meanwhile, family finance is expressed through disciplined budgeting, saving habits, and the implementation of financial literacy within the houshold. The study underscores that the success of social assistance program such as BPNT is largely dependent on beneficiaries’ financial management skills rathet than the nominal value of the aid.

The purpose of this study was to investigate how integrated thematic science teaching can help elementary school students become more aware of and care for the environment. Descriptive qualitative methodology was used, and data were collected through documentation, interviews, and observations. The research findings show how science teaching combined with environmental themes can improve students' conceptual knowledge and foster an environmentally conscious mindset. In addition to understanding environmental issues, students also showed behavioral changes by keeping the school clean, saving water, and encouraging their friends to be responsible for the environment. Active student participation, instructor inventiveness, and school program support are elements that contribute to the success of learning. Meanwhile, time constraints and differences in students' ability levels are the main challenges. As a contextualized character education approach in elementary school, integrated thematic science learning has proven to be successful in shaping the character of environmental stewardship.

The effectiveness of accounting information systems (AIS) plays a crucial role in sup-porting the smooth recording, processing, and reporting of reliable and timely finan-cial information. AIS effectiveness is a key concern for cooperative managers in en-hancing operational efficiency and decision-making quality. This study aims to empiri-cally examine how work experience, educational background, and managerial support influence the effectiveness of AIS implementation. The research was conducted at savings and loan cooperatives operating in the South Kuta District. The sampling method used was non-probability sampling with a purposive sampling technique, and data were collected from 54 cooperative employees. Multiple linear regression analysis was employed to process the data. The results indicate that work experience, education level, and managerial support have a positive and significant effect on the effectiveness of AIS implementation. These findings suggest that the higher the em-ployees’ work experience and education, and the stronger the support from manage-ment, the more effective the AIS implementation within the cooperative environ-ment.

SPP Bandung plays a role in managing the distribution of shipments effectively and efficiently. SPP Bandung handles two types of distribution, namely primary distribution outside the Bandung area and secondary distribution to 12 distribution centers within the Bandung area. Currently, SPP operates six fleets to serve both types of distribution. However, the current distribution system has not optimized the fleet capacity, resulting in a waste of time and resources. This study uses a quantitative approach to analyze and develop an optimal distribution route strategy. By applying the saving matrix, nearest insertion, and nearest neighbor methods, the analysis results showed a decrease in total mileage from 261.8 km to 249.6 km and fuel cost efficiency from Rp210,377.33 to Rp198,539.33. The aving matrix method proved to be effective in route optimization, but other methods can also be considered for maximum improvement.

In order to keep financial issues to a minimum, financial literacy has recently emerged as a critical competency for all individuals to possess. The purpose of this exercise is to help pupils become more financially literate. Problems with money arise for many students because they fail to distinguish between necessities and wants and fail to appreciate the value of savings and contingency plans. As a means of socialization, this activity employs counselling, training, and mentorship as its stages. We were able to accomplish our goal by carrying out this exercise. Since students were more engaged and asked more pertinent questions, it is safe to assume that their knowledge of financial management improved. In order to raise a generation that is financially savvy, this is the initial step. The information that students get from this exercise should be applied to their daily lives.

This study is motivated by the increasing competition among cooperatives and the declining number of members at BMT Assyafi’iyah in recent years. This condition indicates the presence of various factors influencing people's decisions in choosing Islamic financial institutions. The purpose of this research is to analyze the influence of advertising, financial literacy, and personal selling on the decision to become a member of a savings and loan cooperative from the perspective of Islamic business principles. The research was conducted at BMT Assyafi’iyah, Sumberagung District, Pringsewu, involving 89 respondents selected through purposive sampling. A quantitative approach was used with the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method. Data were collected through questionnaires and analyzed using statistical techniques. The results show that advertising has no significant effect on membership decisions, while financial literacy has a significant influence, and personal selling is the most dominant factor. These findings suggest that financial understanding and direct interaction are more effective in attracting prospective members than advertising strategies.

Indonesia is a country with the largest Muslim population in the world. However, public interest in Islamic banking services is still relatively low compared to conventional banking. The low interest is inseparable from various factors that influence individual decisions in choosing banking services. Interest itself can be understood as a person's tendency to be interested and pay attention to an object or activity voluntarily and accompanied by a sense of pleasure, which is formed through psychological and social processes.  The type of research used in this study is field research, while the nature of this study is descriptive qualitative. The data sources used are primary data sources and secondary data sources. Data collection was carried out using two techniques, namely interviews and documentation. The data analysis technique used is by means of data collection, data reduction, data presentation, conclusions and verification.  The results of the study showed that the most dominant factors influencing public interest are social and psychological factors. Social factors include the influence of family and the surrounding environment, which form habits and references in choosing banking services. Meanwhile, psychological factors include motivation to avoid usury practices and positive perceptions of the suitability of sharia principles applied in Islamic bank operations. Thus, efforts are needed to increase financial literacy, emotional approaches, and strengthening social relations to encourage the growth of public interest in Islamic banking services..

Based on research conducted using normative and empirical juridical methods at Class I and IIA Correctional Institutions in Bandar Lampung, the implementation of wage rights for inmates participating in independence development programs as mandated by Law No. 22 of 2022 and Government Regulation No. 32 of 1999 shows that the wage distribution mechanism (50% incentive for inmates, 35% for development funds, and 15% to the state treasury) has been executed through collective labor agreements and an integrated bookkeeping system. The results indicate that over 70% of inmates actively participate in productive activities such as carpentry and handicrafts, with an average wage increase of 15% within one year due to innovations in waste-based craft products. However, productivity varies between activities (85% of target in woodworking versus 60% in sewing) due to raw material constraints, and wage disbursement is delayed by an average of 10 working days because of manual verification procedures and report synchronization. To optimize this system, it is recommended to increase the number of coaching and administrative staff, improve production facilities, digitize bookkeeping and inmate savings accounts, and diversify programs according to local market needs.

In response to increasing competition in the manufacturing sector, PT X—a copper busbar manufacturing company—implemented Lean Manufacturing supported by Value Stream Mapping (VSM) to improve production efficiency and reduce supply chain costs. This study utilizes VSM, Value Stream Analysis Tools (VALSAT), and Root Cause Analysis (5 Whys) to identify sources of waste and formulate improvement strategies. The analysis identified three dominant wastes: waiting time, product defects, and excess inventory. These were mainly caused by the lack of standardized material procedures, inadequate supporting equipment, and poor integration between the incoming inspection process and the Enterprise Resource Planning (ERP) system. To address these issues, the study proposes installing silica rolls, providing air wipers and flatness tools, developing standardized work instructions, and integrating Internet of Things (IoT) technology with the ERP system for real-time monitoring. As a result of implementing these solutions, PT X successfully reduced its defect rate from 6.23% to 1.32%, decreased lead time, and achieved notable savings in supply chain costs. The findings demonstrate that integrating Lean Manufacturing principles with VSM can effectively eliminate non-value-added activities, streamline production processes, and enhance overall competitiveness. This study reinforces the strategic value of Lean tools in continuous improvement initiatives within the manufacturing industry.

Community Service Activities were carried out in Mojosarirejo Village, Kemlagi District, Mojokerto Regency with the target of providing an understanding of Optimizing the Role of Community Participation in making Mojosarirejo Village Drug Free. Implementation of community service in Mojosarirejo Village with the main aim of providing education and literacy to the community about the dangers of drugs, as well as their bad effects on the human body, as well as criminal charges against users and dealers. This theme was chosen because drug trafficking in Mojosarirejo Village is very worrying. The circulation is massive and organized so that many village teenagers become drug users. The increasing distribution and use of drugs also has an impact on increasing crime rates. Preventive efforts in the form of early prevention need to be strengthened by involving the active participation of village communities, so that the space for drug trafficking can be narrowed. With the knowledge gained, the public can recognize and take preventive steps. Saving the younger generation from the influence of drugs is a form of effort to protect the nation's generation. The socialization carried out in Mojosarirejo Village, Kemlagi District, Mojokerto Regency, involved all elements of Village institutions, Youth Elements, Religious Leaders to work together and unite to eradicate drug trafficking.

This study aims to analyze the use of Online Integrated Banking Sharia System (OLIBSS) in improving the accuracy and efficiency of wadiah savings transaction processes at BPRS HIK Parahyangan. This study uses a qualitative approach with primary data collection methods through interviews and secondary data obtained from relevant internal documents. The results of the study indicate that the implementation of OLIBSS makes a significant contribution to improving the accuracy of recording wadiah savings transactions, minimizing human error, and accelerating operational processes that were previously carried out manually. In addition, this system also supports efficiency in reporting and internal supervision. Thus, the use of OLIBSS has proven effective in supporting a reliable accounting information system that is in accordance with sharia principles.

Watering plants is an important activity that cannot be ignored in order to maintain sufficient air intake for optimal growth. Manual watering methods, which are commonly carried out according to a schedule, are often inefficient because they require significant allocation of time and energy. Improper watering techniques are one of the risks of plant growth factor failure, where unmaintained soil moisture can cause plants to wilt and die. This study aims to develop an automatic irrigation system based on the Internet of Things (IoT) that utilizes light energy as its power source, with the aim of being able to save time, lighten human work, and at the same time optimize the use of energy resources. This system is designed to monitor soil conditions in real-time and regulate watering automatically, supported by a sustainable light energy source. The results of this study indicate that the automatic watering system based on the Internet of Things (IoT) developed and powered by light energy is able to overcome the problem of plant drought effectively, while saving time and lightening human work in watering activities. 

This study examines the innovation of Hajj Savings products based on the mudharabah contract at Bank Syariah Indonesia (BSI). The innovations include digitalization of services, integration with the Ministry of Religious Affairs’ SISKOHAT system, and the development of new features such as collective savings, gamification, and auto-debit. The objective of these innovations is to facilitate Muslims in planning and saving for Hajj funds according to Sharia principles, enhance service accessibility, and provide added value tailored to modern customer needs. The findings indicate that these product innovations offer significant benefits to customers, including convenience, security, and fair profit-sharing, as well as advantages for BSI in terms of increased third-party funds, operational efficiency, and market expansion. This study emphasizes the importance of sustainable innovation grounded in Sharia principles in the development of Islamic banking products to support financial inclusion and improve service quality.

This research seeks to explore how the Adiwiyata program is implemented in fostering students' religious character through the Pancasila Student Profile Strengthening Project (P5) at SMA Negeri 1 Tambakboyo.The research employed a qualitative method with a phenomenological approach, focusing on exploring the direct experiences of teachers and students in carrying out the program. The data were obtained using observation, in-depth interviews, and documentation techniques. The findings indicate that the Adiwiyata program not only contributes to raising environmental awareness but also plays a significant role in instilling character values such as responsibility, discipline, cooperation, and socio-ecological awareness. These values are internalized through reflective and participatory daily activities, such as classroom cleaning duties, waste management, composting, and energy-saving campaigns. All of these activities are carried out with active and structured involvement from teachers, the school principal, and the entire school community. Supporting factors include adequate facilities and infrastructure, habituation of positive behaviors, and the integration of religious values into environmental activities. However, some challenges remain, such as the low initial understanding of new students and inconsistent behavior change. The implication of these findings is that environmental programs, when integrated with character education, can serve as effective media for building students’ moral and religious values in a contextual and sustainable manner, in line with national education goals and Islamic principles.