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Urban drainage systems face mounting pressure due to the combined impacts of rapid urbanization and climate change. The expansion of impervious surfaces and altered precipitation patterns contribute to increased stormwater runoff, exacerbating flood risks and water quality issues in cities. Traditional drainage systems, focused primarily on controlling water volume, are insufficient to address the growing complexity of urban drainage challenges. This study proposes Sustainable Urban Drainage Systems (SUDS) that integrate flood management, water quality improvement, and climate resilience. By incorporating nature-based solutions such as permeable pavements, green roofs, and rain gardens, these systems aim to reduce runoff, enhance groundwater recharge, and mitigate the negative effects of urbanization. Through a Multi-Criteria Decision Making (MCDM) framework, this research evaluates various drainage solutions based on technical, socio-economic, and environmental criteria. The findings indicate that SUDS outperforms traditional systems in flood mitigation, water quality control, and climate resilience, highlighting their importance in adapting to changing climatic conditions. This paper emphasizes the need for sustainable drainage solutions to ensure long-term urban resilience and improve the overall quality of urban environments.

This study examines the multifaceted impact of financial inclusion on industrial societies, focusing on its role in economic growth, social equity, digital transformation, and industrial development. Using a mixed-method approach combining systematic literature review and case studies from five industrial countries (Germany, South Korea, the United States, China, and Brazil), we analyze the mechanisms through which financial inclusion influences societal outcomes. Our findings reveal that financial inclusion significantly contributes to economic growth, with a 10% increase in inclusion indicators associated with a 0.2-0.7% rise in GDP growth rates. Moreover, we identify synergistic effects between financial inclusion and digital transformation, notably in mobile banking adoption. The study also highlights persistent challenges, including urban-rural divides and gender disparities in financial access. Cross-cutting themes emerge, emphasizing the importance of integrated policy approaches, regulatory innovation, and public-private partnerships in advancing financial inclusion. These insights offer valuable guidance for policymakers and financial institutions in designing effective strategies to leverage financial inclusion for sustainable and equitable economic development in industrial contexts.

This Community Service aims to introduce the basic concepts of sharia economics to students at Nurul Hasanah High School. The background to this Community Service is the importance of understanding an economic system that is in accordance with sharia principles among the younger generation, especially in the school environment. Sharia economics, which is based on Islamic values such as justice, transparency and social responsibility, offers an ethical and sustainable alternative in economic management. This Community Service uses an educational approach through counseling, discussions and simulations to provide a comprehensive understanding of concepts such as usury, zakat, mudharabah and profit sharing.Community Service shows that before this program, many students had a limited understanding of sharia economics and often equated these concepts with conventional economics. After participating in the program, there was a significant increase in their understanding of the basic principles of sharia economics, as well as awareness of the importance of applying ethics and moral values in economic activities. In addition, students also show a high interest in learning more and applying these concepts in everyday life, including in personal financial management and business activities.This program is expected to be sustainable and further developed to cover other relevant topics, such as Islamic banking and halal investment, in order to equip students with in-depth knowledge and practical skills in the field of Islamic economics. Thus, this program not only contributes to increasing Islamic financial literacy among students, but also to the formation of character based on the values of justice and social welfare

The Covid-19 pandemic has resulted in an economic downturn, causing changes in work patterns. This has an impact on employee resilience, to improve resilience a high-performance work system is needed. In practice, PDAM Way Rilau Bandar Lampung City implements this system, but there is gender inequality in its implementation. The purpose of this study is to see if there is an effect of a high-performance work system on employee resilience and whether gender differences moderate this effect. The method in this study uses simple linear regression analysis and MRA which is processed by SPSS software version 23. The results of this study support the proposed hypothesis that a high-performance work system has a positive and significant effect on employee resilience and gender differences strengthen the effect of a high-performance work system on employee resilience. Suggestions for PDAM Way Rilau Bandar Lampung City to further consider providing financial rewards based on individual performance. Suggestions for PDAM Way Rilau employees of Bandar Lampung City to share some things with friends, it is hoped that the burden of problems borne by oneself will become lighter, so that it can increase resilience.

In the digital era, mobile operating systems (OS) play a pivotal role beyond mere application execution platforms. They are essential for optimizing energy efficiency and enhancing security, particularly in the realm of mobile banking. This paper explores the critical role of mobile OS in supporting sustainable economic growth through efficient energy use and robust security measures in mobile banking transactions. The focus is on how these OS advancements contribute to a secure and environmentally responsible digital economy. Key aspects covered include energy optimization strategies, security enhancements such as data encryption and multi-factor authentication, and the integration of these technologies into mobile banking applications. By addressing these challenges, mobile OS not only ensures sustainable economic development but also fosters financial inclusivity and security in an increasingly digital world.    

This study explores human complexity and its impact on macroeconomic development. The main focus is on the buyer's mental variables, such as financial assumptions and courage, and how these elements influence business utilization and behavior. Information from measured studies and investigations shows that positive monetary assumptions will often strengthen financial movements, while vulnerabilities or negative assumptions can hinder monetary developments. The proposed strategy suggestions include clear correspondence to rebuild public confidence and appropriate monetary enhancement arrangements. By understanding these elements, this exploration provides further insight into the collaboration between shopper brain science and macroeconomics, which is important for planning compelling strategic systems in the face of advanced economies.    

This research conducted on the ganjuran ds ngambeg tradition in Puncak, Lamongan Regency, namely to find out and explain clearly. The research uses folklore theory, namely the concept of Danandjaja. The method used in the research is descriptive qualitative with interview, observation and documentation techniques. The research instrument is a researcher, a list of questions and an observation sheet. The aim of this research is 1) to explain the origins of the ganjuran tradition in Ngambeg village, Puncak district, Lamongan district. 2) Explain the procedures for the Ganjuran tradition. 3) Explain the ubarampe and its meaning in the Ganjuran tradition. 4) Explain the benefits or uses of the ganjuran tradition. 5) Explain how to preserve the ganjuran tradition. The results of research on the ganjuran tradition in Ngambeg Village can be seen that the origins of Ngambeg Village are from Panji Laras and Panji Liris which are loved by Dewi Andanwangi and Dewi Andansari. The procedures for this tradition consist of the preparation and closing stages. Ubarampe from the ganjuran tradition is 1) Sugar and Coffee 2) tetel 3) lemet 4) Wingko 5) Krecek 6) Sticky Rice Salak 7) Side dishes 8) Bananas 9) Bongko 10) Bread 11) Kalender. The uses of the Ganjuran tradition are 1) as a projection system 2) as a system of rules for cultural institutions 3) as a tool for education 4) as a tool for monitoring society, then other uses are 1) for economic activities 2) religious or religious 3) social. The way to preserve the ganjuran tradition is by passing it down from generation to generation and utilizing social media.

This research conducted on the ganjuran ds ngambeg tradition in Puncak, Lamongan Regency, namely to find out and explain clearly. The research uses folklore theory, namely the concept of Danandjaja. The method used in the research is descriptive qualitative with interview, observation and documentation techniques. The research instrument is a researcher, a list of questions and an observation sheet. The aim of this research is 1) to explain the origins of the ganjuran tradition in Ngambeg village, Puncak district, Lamongan district. 2) Explain the procedures for the Ganjuran tradition. 3) Explain the ubarampe and its meaning in the Ganjuran tradition. 4) Explain the benefits or uses of the ganjuran tradition. 5) Explain how to preserve the ganjuran tradition. The results of research on the ganjuran tradition in Ngambeg Village can be seen that the origins of Ngambeg Village are from Panji Laras and Panji Liris which are loved by Dewi Andanwangi and Dewi Andansari. The procedures for this tradition consist of the preparation and closing stages. Ubarampe from the ganjuran tradition is 1) Sugar and Coffee 2) tetel 3) lemet 4) Wingko 5) Krecek 6) Sticky Rice Salak 7) Side dishes 8) Bananas 9) Bongko 10) Bread 11) Kalender. The uses of the Ganjuran tradition are 1) as a projection system 2) as a system of rules for cultural institutions 3) as a tool for education 4) as a tool for monitoring society, then other uses are 1) for economic activities 2) religious or religious 3) social. The way to preserve the ganjuran tradition is by passing it down from generation to generation and utilizing social media.

Nowadays, the business world is the world that is most often discussed in various forums, both national and international. The many discussions that are often discussed on this issue are the main benchmark for a country's progress. One measure of a country's progress is economic progress and the backbone of economic progress is the business world. The main problem that companies often face in any field cannot be separated from the funds needed, namely capital to finance the company's business, whether used for investment capital or working capital. A company that initially only cares about big profits will quickly do whatever it takes to achieve the desired target without thinking about the impact in the future. However, as time goes by, companies will also realize that every activity carried out must take into account future risks, which of course is the responsibility of the managerial side.    

In today's digital era, technology and information are developing very rapidly. The role of technology has brought benefits to humans in all aspects of the field, namely education, economics, social and culture, transportation, etc. With increasingly advanced technology, it is hoped that it will make human work easier in the future. Digital technology has changed the way we work, interact and do business. In today's digital era, old systems and processes must be rethought, and new technologies must be implemented so that businesses remain competitive and grow. High global competition places demands on business actors to continue to improve product innovation by utilizing existing technology to face this global challenge. Utilization of technology such as Increasing Operational Efficiency and Global Business can also help in understanding the changes that occur in the digital business ecosystem. The aim of this research is to determine the influence of digital technology on the development of modern business.    

Tradition Unduh Patirtan is one of the traditions in Kembangbelor village, Pacet district, Mojokerto district. This tradition still exists and is still preserved. This tradition is interesting to follow. This research will be search of Tradisi Unduh Patirtan behavior. This research uses descriptive research qualitative methods. The data is obtained through direct observations, interviews, documentation, and transcripts. The series of events carried out in Tradisi Unduh Patirtan is Khataman al-Kuran, reboisation, arrangement of pambuka and arrangement papundhen, arrangements of the story of wayang beber, undhuh patirtan, umbul donga lan spell, napak tilas tirta, kirab matirta, bantengan, Kirab ancak, madhang sega pancawarna. Ubarampe Tradisi Unduh Patirtan This is siwur, gentong, kendi, leaves of kelor, sega pancawarna, snake of market, pala pendhem, dupa, kethuk, and gong. Tradisi Unduh Patirtan functions are the projection system, cultural validation, educational means, overseeing the rules of society, there are also other functions such as economic functions, gotong royong functions and religious functions. There's been a change in the behavior and ubarampe of this Tradisi Unduh Patirtan. In order not to suffer change or loss of culture must be carried out for conservation, conservation of this Tradisi Unduh Patirtan through government, society, education, and social media.

This study provides a comprehensive comparative analysis of financial literacy among Millennials and Generation Z across various global contexts, drawing on recent data from major international surveys. The research examines key indicators of financial knowledge, behaviors, and attitudes, revealing a complex landscape characterized by both promising developments and significant challenges. While both generations demonstrate increased engagement with digital financial services, there often remains a gap between their technological savviness and comprehensive financial understanding. The analysis highlights significant regional disparities in financial literacy, influenced by factors such as digital technology prevalence, education systems, economic environments, and cultural attitudes. The study underscores the profound impact of technology on financial literacy and emphasizes the need for tailored financial education incorporating digital literacy and critical thinking skills. Policy implications include developing comprehensive national strategies for financial literacy and fostering international cooperation. This research contributes valuable insights for educators, policymakers, and financial institutions to enhance financial capability among young adults globally in an increasingly complex financial landscape.

This study is entitled Study Analisys of the Urgency and Implementation of the Law Number 8 of 2010 on Prevention and Punishment of Money Laundering. The development of the financial sector in Indonesia continues to progress, but the legal process has not followed the guidelines set by the Indonesian Financial Law and Regulations on Unlawful Money Transfer. Indonesia has enacted several laws to address this problem, including Financial and Material Law Number 8 of 2010, which aims to maintain economic stability and the integrity of the financial system, promote social harmony, economic growth, and government reform. The Indonesian government has implemented various measures to eradicate money laundering, including bilateral and multilateral forums, the concept of double crime, and the implementation of the "KYC" principle. The government also imposes fines on those who break the law, such as fines, jails, and non-bank fines. In the end, money laundering in Indonesia can be effectively managed through legal action and international cooperation. This research uses normative research methods, using non-fiction data sources, electronic journals, legislative regulations, and other relevant library sources to conduct research. The purpose of this research is to find out the urgency of Law Number 8 of 2010 on the Prevention and Eradication of TPPU and what efforts are being made to prevent and eradicate TPPU.

Halal food halal refers to good food that does not contain substances or ingredients that are dangerous or prohibited in Islamic teachings and are prohibited from being eaten by Muslims. According to Islamic economics, halal certification is used to determine the halalness of a product being sold. This research aims to find out how the implementation of the halal guarantee system can increase competitiveness. Judging from the research objectives, this research uses qualitative methods by combining observation, interview and documentary data collection techniques. Research data regarding halal product guarantees for halal food products in Purwo Bakti Village, Bathin III Bungo District is in-depth and comprehensive. Then data acquisition was carried out and descriptive analysis was carried out. The research results show that the implementation of the Halal Guarantee System (SJH) using halal certification by business owners, the implementation components are materials, products, product facilities, traceability and product handling that meet the criteria. Pisang Sale has halal certification which is shown by the presence of a halal certificate and other factors so that business people think that having a halal label on the product packaging makes buyers more confident in buying and makes it easier to market the product in supermarkets and nearby shops.

This thesis examines the critical role of education in societal transformation, drawing on Werner Jaeger's assertion that the state is the primary agent of education and cultural evolution. In "Paideia," Jaeger emphasizes the state's role in shaping individual development and humanity's essence through educational systems. The thesis introduces the concept of a Ministry of Generosity, a state initiative aimed at fostering a Culture of Generosity as a formal measure of societal happiness. This ministry would integrate the Pedagogy of Generosity into education, promoting prosperity and compassion across economic and educational spheres. The thesis explores the General Theory of Generosity and its practical application in social and educational technology, highlighting the pioneering work of Dr. hc Vicente Pironti, founder of Humaniza. It examines how these technologies can drive cultural transformation and set a global standard for education and societal well-being. Additionally, the thesis addresses the development of humanized algorithms within the Artificial Intelligence Universe, incorporating ethical parameters and compassion for humans, sentient beings, and the environment. These humanized algorithms are presented as a crucial element in realizing the new Culture of Generosity.  

Study This study about policy Islamic monetary , which includes base theoretical , implementation in various countries, as well its impact and effectiveness . Policy Islamic monetary , which is based on principles sharia like prohibition usury , emphasis on sectors real , and principle for result , aim For create stability economy and justice socio-economic . The implementation varies in different countries, with some countries implement it system Islamic finance​ full and others using a hybrid model. Research methods used​ is review literature , which involves collection , analysis , and synthesis various source secondary like books , articles journals , and reports relevant research .​ Research result show that policy effective Islamic monetary in control inflation , pushing growth sustainable economy , and improve stability finance . However , challenges still There is in matter standardization practice between countries and integration with system global finance . This study emphasize importance innovation instrument finance sharia and improvement Work The same international For increase effectiveness policy Islamic monetary future .  

The sharia economy offers a different approach from conventional economics, prioritizing the principles of justice, transparency, and sustainability. In the sharia economic system, there are various instruments that must be understood in depth by the actors. One of these instruments is sharia tax or known as Al-Kharaj. Al-Kharaj is a type of tax levied on land conquered by Muslims and administered by the government. This concept not only contains financial aspects but also has high social values and justice. This community service activity uses a lecture and discussion method aimed at STIE Ganesha Semester 4 Regular A. Management S1 students A. This activity is prepared for approximately 3 (three) months which includes the preparation, planning and implementation stages. The implementation of the activity was carried out for 1 (one) day, where the PKM team consisted of 4 (four) STIE Ganesha dsen and 8 (eight) students, where the lecturer was responsible for compiling the material and giving lectures, while students assisted in logistics and documentation to ensure that the activity ran smoothly and effectively. With a clear and interactive presentation, the lecture session succeeded in providing participants with a deep understanding of Al-Kharaj sharia tax  and with an interactive and collaborative atmosphere, the discussion session succeeded in deepening the participants' understanding and giving them the opportunity to apply the concepts they have learned in practical situations.

Based on the results of the study, the transaction mode is the most often used mode in the act of circulating and counterfeiting money and economic factors are the main factors for a person to commit the crime of counterfeiting money, as well as efforts made by the police in preventing and exposing the crime of counterfeiting. The transaction mode is the mode most often used by rupiah counterfeiters because this mode is easy to circulate counterfeit money. Economic factors are the most important factor for perpetrators to commit the crime of counterfeiting rupiah. Because the economy is squeezed, someone commits a crime to meet their economic needs. The efforts made by the Gorontalo City Police to prevent the occurrence of rupiah counterfeiting crimes are pursued with three efforts, namely preventive efforts, premative efforts, and repressive efforts. The crime of counterfeiting rupiah is a criminal act in which it contains a system of untruthfulness or falsehood of something (object) that appears from the outside as if it is true, when in fact it is contrary to the real thing that is called the crime of counterfeiting, including currency counterfeiting. The legal basis of money and currency is Law Number. 7 of 2011 concerning Currency, which was promulgated in the Statute Book of the Republic of Indonesia Year 2011 Number. 64 and Supplement to the Statute Book of the Republic of Indonesia No. 5223 This research was conducted to find out the factors and modes of the perpetrators of a criminal act of counterfeiting money in Gorontalo City and to find out the efforts made by the relevant legal parties in an effort to prevent the occurrence of the crime of counterfeiting rupiah money in Gorontalo City.

Research This study aims to evaluate the Tahfidzul Qur'an program in Mushalla Firdaus Tilatang Kamang with the main purpose of assessing the effectiveness and efficiency of the program in achieving the program in achieving the target of memorizing the Qur'an of students. Evaluative research method used in evaluating the Tahfidzul Qur'an program at Mushalla Firdaus Tilatang Kamang is the CIPP model (Context, Input, Process, Product) model. The CIPP model is designed to provide a comprehensive framework framework in systematically assessing various aspects of the program. The results of this study show that the evaluation of the Tahfidzul Qur'an program at Mushalla Firdaus Tilatang Kamang shows positive and beneficial results despite some challenges. The context analysis highlighted the strong motivation of learners as well as support from the community, despite economic and social constraints. The input evaluation emphasized the importance of teachers' qualifications, an adequate curriculum, and improved facilities and financial support. The process of implementing a diverse program of teaching methods and classroom management is effective, but more individual guidance and technology integration are needed. The product evaluation revealed the program's success in achieving memorization targets, improving academic achievement, spiritual development, and positive character changes in learners. With continuous improvement and implementation of recommendations, this program has great potential to continue to grow and produce a generation of quality and characterful Qur'an memorizers.

          This research explains that land and building tax (PBB) is a crucial fiscal instrument in the global taxation system, with the aim of supporting government spending on public services, regulating land use, and potentially as a redistribution tool. This article addresses the fundamental ideas, goals, and effects of PBB in Indonesia, highlighting its important role in financing national development. The discussion involves aspects of billing, the basis of collection, the collection system, payment procedures, as well as the taxpayer's right to object and appeal. Emphasis is given to key principles, such as openness, fairness, legal certainty, and public participation in the implementation of PBB. Although PBB contributes significantly to economic development, the article also identifies several critical issues, including property value assessment, social inequality, and economic effects that must be taken into account while managing a just and effective tax system. This article offers a thorough analysis of the PBB as a tool for policy that is essential to the welfare of society and the growth of the nation.