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In this modern era dominated by rapid economic and financial changes, it is important for individuals to have a good understanding of investing and take an active role in managing their finances. Investment is an activity or act of buying or placing funds or assets into financial instruments or other assets with the aim of obtaining the expected return or yield in the future. Investing generally involves risk evaluation, market analysis and decision making based on a deep understanding of the investment instrument and long-term financial goals. With increased investment awareness, individuals can optimize their financial potential, manage risk effectively, and achieve long-term financial goals. As a result, it is hoped that this outreach will encourage the people of Spazio to become more investment literate, making them better prepared to face the challenges and opportunities in today's financial world  

The research aims to find out the history of development and monetary policy of the Central Bank of Indonesia in financial stability. This type of research is descriptive qualitative research with a literature study research method through literature study. The results of this study explain that the Central Bank is an institution that has an important role in the economy of a nation, especially in the fields of monetary, finance and banking. The purpose of the central bank as stated in the Indonesian Law No. 23 Year 1999 Chapter 3 Article 7 is to achieve and maintain rupiah stability. Another role of Bank Indonesia is in terms of channeling money, especially currency or paper and metal where Bank Indonesia has the sole right to distribute currency. Bank Indonesia has three pillars which are its three areas of duties: setting and implementing monetary policy, regulating and maintaining a smooth payment system, and regulating and supervising banking in Indonesia.

At this time many see that the application of financial literacy knowledge in Cipuk MSMEs has not been applied optimally. However, with advances in technology, it has a method of applying business management knowledge so that these MSMEs can be more advanced. This business management science is financial literacy, which is to understand and apply various financial skills, such as managing personal savings, making budgeting, and investing. Not only that, MSMEs can add new flavor innovations due to the limited flavors in Cipuk preparations. The result of this service is that the Cipuk MSME partners understand more about financial literacy, understand more about making budgeting, financial bookkeeping and others, and add taste innovation, namely, so that MSME products are more varied and consumers don't feel bored with the taste of existing products.

This article describes the importance of youth education and development as an anticipatory measure to overcome the negative impact of poverty. This approach is based on the teaching and wisdom found in Proverbs 22:1-16 in the Bible. In this chapter of Proverbs, the author emphasises the importance of values such as wisdom, work ethics, and wise financial management. By practising these values, young people can build a strong foundation for their future, preventing them from being trapped in the cycle of poverty. Education is identified as one of the key aspects in preparing young people to face the challenges of poverty. A quality education provides the knowledge, skills and awareness needed to solve problems, improve well-being and achieve success in life. In addition, this article highlights the importance of helping young people develop a positive attitude towards work and enterprise. Having a strong work ethic and entrepreneurial skills can help young people overcome economic limitations and create new opportunities to improve their own lives and those of their communities. Wise financial management is also an important factor in preventing the negative impacts of poverty. Young people need to learn about budget management, smart investments, and the importance of saving. By having a good understanding of finance, they can avoid excessive debt and build a stable future. In order to realise effective education and development of young people, there needs to be cooperation between families, educational institutions and communities. Families should prioritise values that support their children's growth and success. Educational institutions should provide inclusive and relevant learning environments, while communities should provide support and opportunities for young people. By adopting this approach, we can anticipate and mitigate the negative impact of poverty on young people. Quality education, a strong work ethic and wise financial management can open the door to a better and more sustainable life for future generations.

One of the problems that is often carried out by MSME actors is not recording and/or recording conventionally. Such records can cause business financial data to be lost, wet, distorted and other problems. Digital-based financial governance is a solution to the problems faced by partners. The partner of the community service activities in this journal is Ms. Anik Riyani who owns a business in Karangsari Village, Sukorejo District, Blitar City. The method used is through 3 stages, the first stage is problem identification through questionnaires and interviews. The second stage is implementation by means of socialization and digital financial management assistance through the BukuWarung application. The third stage is evaluation and maintenance which will contain criticism, suggestions and input from partners and ongoing assistance while the community service activities are still ongoing.

Micro, Small and Medium Enterprises have a significant role for the welfare of society. The purpose of this activity is to improve aspects of marketing management that have an impact on increasing sales. The long-term goal of this research is to build a management model that can be practically applied by MSMEs to support productivity and business development. In general, MSMEs business management (marketing, production, HR and finance) can be implemented by providing training to MSMEs actors. In its journey, MSMEs need to be monitored intensively, to always monitor the management they are doing. SWOT analysis is the right option to help MSMEs determine marketing strategies and project changes in the business environment. SWOT analysis can evaluate Strengths, Weaknesses which include internal factors in MSMEs, Opportunities and Threats which include external factors or competitors. Based on the SWOT analysis conducted, a strategy was obtained to provide training in all aspects, given the lack of knowledge possessed by SMEs. From this study, 4 marketing strategies were obtained for MSMEs to increase competitiveness, namely the S-O Strategy for MSMEs to innovate products to strengthen competitiveness, establish product characteristics, and aggressively carry out promotions and sales by utilizing technological developments with online sales. In the W-O strategy, MSMEs are required to always pay attention to market and consumer desires, determine market targets, and improve the quality of human resources. S-T strategy, MSMEs should make a prominent feature of the product and innovate in product promotion. In the W-T strategy, MSMEs players need to determine their target market, where and who is the target for their sales and pay attention to the wishes of the market and consumers to adapt their products.

This community service activity aims to increase understanding and ability in preparing accountable and transparent financial reports at SDN 1 Aji Jaya KNPI. Through this outreach, it is hoped that the school can manage school operational assistance funds more effectively and efficiently and can properly account for them to interested parties. In this activity, lecturers from the Mitra Indonesia University Faculty of Business Study Program provided practical guidance and training to teachers and school staff, including direct practice in preparing financial reports based on real cases in schools. Evaluation is carried out through an assessment of financial reports prepared by participants as well as feedback from participants regarding counseling materials and methods. The results include increased understanding of teachers and school staff regarding financial accountability and transparency, the realization of accountable and transparent financial reports at SDN Aji Jaya KNPI, as well as increased trust from parents and other parties in the management of school operational assistance funds. Through this effort, it is hoped that it can increase accountability and transparency in financial management at the school, as well as optimize the use of school operational assistance funds to improve the quality of education.

Financial intelligence is an individual's ability to understand, manage, and optimize the management of personal finances. Financial mathematics is becoming an important tool in developing financial intelligence. In this research using literature study method this method involves the search and collection of information from related literature sources. Through financial mathematics, one can calculate the future value of an investment, estimate the return on an investment, calculate annuity payments, understand the concept of time value of money, and analyze investment risk. The application of financial mathematics in financial intelligence provides an advantage in taking better financial decisions and managing finances effectively. By utilizing financial mathematics, one can improve their understanding of Finance, make effective financial planning, and take better financial decisions.

The inclining situation of the Covid-19 pandemic has also pushed back the tourism economy, including hospitality. The purpose of this activity is to carry out community service activities with the general theme of capacity building at Kasuari Exotic Resort located in Bandongan Subdistrict, Magelang Regency, Central Java Province. The topics conveyed were about digital marketing and English for hotels. The target participants were management and staff at Kasuari Exotic Resort. This activity lasted for 3 (three) months starting from November 2022 to January 2023 in accordance with the agreement of both parties. This activity was carried out entirely in the Kasuari Exotic Resort Meeting Room. This activity involving a team of lecturers and students and the management and staff assigned from Kasuari Exotic Resort as participants. The materials given were Photography, Videography, English for Hospitality, Tourism Finance Management, E-Business, E-Commerce, Basic Web and SEO, and Digital Marketing

The Toraja Church Youth Fellowship (PPGT) is an inseparable part of the church's organizational structure. PPGT has various work programs designed to foster enthusiasm and direct the young generation to become an independent generation in various aspects. Entrepreneurship seminar activities in the Sub Theme: Identifying Wants or Needs aim to provide financial education for the younger generation so they are able to manage personal finances through self-identification of whether they buy goods because they really need them or just because they want them. This activity is attended by more than ± 25 people. The method used is lecture, discussion and question and answer. The result of this community service activity is that the young generation is able to define what wants and needs are and is able to identify needs or desires in making decisions to purchase a product.

This activity was carried out to provide training and assistance regarding the recording of financial transactions that exist in the Kayu Mulia Barokah UMKM. This UMKM is located in Purworejo Regency, Central Java. Recording of financial transactions carried out by UMKM Kayu Mulia Barokah is still done manually and combines the owner's personal finances and company finances, so that the owner cannot know clearly how much profit is generated. This happens because business owners do not understand the basis for recording financial transactions and the importance of financial reports. Based on these problems, training and assistance were carried out for recording financial transactions at UMKM Kayu Mulia Barokah.

This study explores the funding issue of PT. N usa BPR Cianjur in anticipation of a financial disaster. This study adopts a descriptive qualitative research style and relies on interviews and other primary and secondary data sources. The results of the analysis show that problematic financing at PT. N usa BPR Cianjur includes incorrect or money-shortening financing. Every financial organisation that offers funding aspires to keep problems at bay, but they frequently arise. In order to avoid losses when dealing with problematic financing, a financing settlement strategy must be established. Financing issues can be resolved by rearranging, rescheduling, and upgrading.

Capacity, authority, and competency are necessary for internal auditors to perform supervisory responsibilities. Six components make up the Internal Audit Capability Model, which is used to gauge capability. The goal of this study is to ascertain the measures taken to enhance the Ministry of Finance's Inspectorate General's capacity to attain level 3 Government Internal Audit Apparatus competency. Excellent governance, risk management, and control are demonstrated by the organization's Level 3 internal audit capacity. Consequently, internal auditors play a critical role as strategic collaborators. The Ministry of Finance's Inspector General then assesses and examines the issue. Through case studies, qualitative research was carried out for this subject. Interviews and document reviews were used to gather data.l. Nevertheless, several elements of the Internal Audit Capability Model at level 2 still rely on the outcomes of self-evaluation, while other elements do not fully satisfy the requirements for level 3. This necessitates the adoption of thorough Corporate Risk Management as well as evaluation for three years in a row. Thus, enterprise risk management is a useful tool for internal auditors' supervisory duties. The research findings may also be helpful to other establishments aiming to attain level 3 internal audit proficiency.    

Education is very important for all humans. Education can be successful if there is good management. The role of education management is very important in an educational institution. Management is basically nothing new in human life, as well as in a management education is needed. Education management can cover a variety of things, one of which is financial management. Because, with good financial management in institutions will increase the efficiency of education so that the achievement of educational goals will soon be realized. Urgency School financial management is very important to classify school needs. Then there is an urgency for financial management and a clear and appropriate budgeting model that will affect school operations and education in these schools. The purpose of this study is to find out how the Urgency of Financial Management and the Education Budgeting Model are applied to find out how supervision is in financial management. Data collection is in the form of observations from various existing sources. The method used is a review article. The results of this study show that the results of the urgency and budgeting model carried out by managing school finances in carrying out the budget plan have been going very well. This is indicated by several activity plans that are realized in accordance with expectations, namely transparent, accountable, effective and efficient.    

This study aims to analyse the implementation of literacy programs in three primary schools, namely SDN 8 Bandar Laksamana, SDN 14 Teluk Mesjid and SDN 92 Pekanbaru. The research method used was observation and document analysis of literacy activities conducted by these schools. The results show that the three schools have implemented various types of literacy, such as literacy in reading and writing, digital literacy, science literacy, financial literacy, numeracy literacy and cultural-civic literacy. Through habituation, development and learning, students are given the opportunity to develop literacy skills holistically. Keywords relevant to this study are literacy, literacy program, primary school, observation, document analysis. This study shows that the successful implementation of literacy programs is supported by the commitment and efforts of schools in providing varied literacy experiences and actively involving students. The literacy programs help students improve their skills in reading, writing, using digital technology, understanding science, managing finances, understanding mathematics, and appreciating culture and citizenship. The findings provide important insights for educators and policy makers in improving the quality of basic education and students' literacy development.

Financial management is an administrative activity related to budget planning, storing, using, recording and monitoring the entry and exit of money or organizational funds. Inventory analysis is an activity to examine an asset issue that includes goods. Turn over inventory is the ratio between the total cost of goods sold and the average value of inventory owned by the company. in the process of managing finances and inventories, it is still carried out using a recording system in a ledger, so it is less effective. Therefore the author will develop a form of information system by selecting CV. Arris AC as research object. Based on the problems that occur in CV. Arris AC, the authors provide a solution that can overcome weaknesses by creating an Accounting Information System for Financial Management and Inventory Analysis using the inventory turnover ratio method which can be accessed via the web. In other words, this ratio describes how fast inventory rotates. web is an application that contains multimedia documents (text, images, sound, animation, video) in it that uses the HTTP protocol with database support for MySQL, Xampp and Adobe Dreamweaver CS6..   Keywords:Accounting, Financial Management, Inventory Analysis, Ratio, Web

Consumerism has become a problem in many communities nowadays, especially among teenagers. Growing a culture of saving from an early stage can solve this problem.  Therefore, socialization with students about the importance of a culture of saving from an early age is essential to shape their behaviour to be more frugal and teach them to manage their finances. The socialization aims to educate students on the importance of saving early on and motivate them to set aside part of their income for savings. The result of the socialization is to grow students' enthusiasm for saving and increase knowledge about saving, such as the definition, the benefits, and the methods; it is highly expected that the seventh-grade students of SMP Negeri 8 Ambon can implement the saving habit in their lives.

Consumerism has become a problem in many communities nowadays, especially among teenagers. Growing a culture of saving from an early stage can solve this problem.  Therefore, socialization with students about the importance of a culture of saving from an early age is essential to shape their behaviour to be more frugal and teach them to manage their finances. The socialization aims to educate students on the importance of saving early on and motivate them to set aside part of their income for savings. The result of the socialization is to grow students' enthusiasm for saving and increase knowledge about saving, such as the definition, the benefits, and the methods; it is highly expected that the seventh-grade students of SMP Negeri 8 Ambon can implement the saving habit in their lives.

Financial bookkeeping in Micro, Small, and Medium Enterprises (MSMEs) in rural areas is crucial to effectively manage finances and improve the quality of financial reports. However, many MSMEs operators are reluctant to engage in financial bookkeeping due to perceiving it as a cumbersome process. Nizam Jaya is one of the MSMEs located in the Ngampungan Village, Bareng District, Jombang Regency, and it specializes in banana chips production. Nizam Jaya faces challenges in promoting their business through word-of-mouth and using traditional and manual bookkeeping methods. Hence, the students of the Community Service Program (KKN) Thematic 5 conducted a bookkeeping awareness campaign using an easily understandable approach for the villagers. The aim of this service is to assist Nizam Jaya in improving their bookkeeping practices, maintaining price stability, increasing sales, and introducing their banana chips product to the broader market.

By doing this research aims to examine the financial performance of the local government of Central Java Province. This analysis uses regional financial independence ratios, financial efficiency ratios, PAD effectiveness ratios, and growth ratios to assess financial performance. This study is included in the category of quantitative descriptive research. The data used comes from the Financial Report of the Central Java Provincial Government for the 2019-2022 budget period. Financial ratio analysis is the method used to perform this analysis. As shown by the research results, the financial performance of the Central Java Provincial Government is still far from optimal. Regional Original Revenue Management has proven successful, but regional finances are still inefficient. In addition, the level of regional independence is still low, as shown by the increase in central government assistance compared to the regional original income of Central Java Province.