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Marketing strategy is a plan to increase influence over the market, both in the short and long term, based on market research, product strategy, price, promotion and distribution sites. Purchase intention is part of the behavioral component in consumption attitudes, the tendency of respondents to act before buying decisions are actually implemented. Meanwhile, repurchase intention is a purchase intention based on past purchasing experience. The purpose of this study is to determine the factors that influence sharia marketing strategies, determine sharia marketing strategies and to determine the impact of sharia marketing strategies in increasing people's buying interest in online business. This research is included in qualitative research, meaning that this research produces descriptive data in the form of written or oral words from the people and the observed behavior. The approach used is a descriptive qualitative approach, which means that the data collected is in the form of words, pictures, and not in the form of numbers. The results of the study show that the factors that influence sharia marketing strategy are competitors, technology, network, finance, goods and access. Then, the sharia marketing strategy for online business is product strategy, price strategy, place strategy and promotion. The impact of the sharia marketing strategy on online business is that it can increase sales and public buying interest in online sales.

This Community Service aims to increase knowledge and skills in planning, compiling and managing Islamic finance for students of MAN 2 Karanganyar. The students of MAN 2 Karangayar are Generation Z who play a role in this nation. The problem faced by partners is the first, limited knowledge of sharia-based financial planning. Second, the lack of skills and ability to prepare budgets for sharia-based financial management. The solutions to these problems include: first, training to increase knowledge about sharia financial planning. Second, training in preparing an ideal budget. It is hoped that with this solution, MAN 2 Karanganyar students will be able to plan and budget for Islamic financial management so that they do not have a lifestyle with the desire to follow a trend that is currently rife or developing which can lead to hedonism and other detrimental traits. The output of this activity is increasing knowledge and increasing skills in preparing personal budgets for sharia financial management by partners.

From the standpoint of Islamic Economic Law, this article seeks to describe and examine the syndicated financing of Islamic Banks in Indonesia. With the kind of library research used to examine the formulation of the problem in this study, a qualitative research methodology was used to conduct this study. The findings of this study suggest that a hybrid contract or multi-contract approach can be used to implement Islamic banking product innovation. Sharia syndicated finance products exist in banking as a result of the requirement for huge quantities of funding, which means that Islamic banks must work with other banks since they will not be able to support it alone. In accordance with the Fatwa DSN No: 91/DSN-MUI/IV/2014, syndicate financing is permitted. Musyarakah Mutanaqishah contracts are typically used for syndicated financing in Islamic banks. The Sharia Banking Law, KHES, Fatwa DSN, and other relevant rules have both been accommodated by syndicated financing in Islamic banks. The Sharia Supervisory Board will continue to oversee the implementation of syndicated financing products at Indonesian Islamic Banks so that it is, in theory, consistent with Sharia Economic Law and no restrictions are broken.

Koperasi merupakan salah satu model usaha bersama yang dikelola oleh anggota dan untuk kesejahteraan bersama. Koperasi sebagai unit usaha otonom mampu berperan dalam berbagai skala ekonomi, termasuk sebagai rantai pasok keuangan dalam ekosistem usaha kecil dan menengah (UMKM).  Penelitian ini mengkaji berbagai jenis artikel yang terkait dengan koperasi sebagai rantai pasok keuangan  dengan konsep gadai dari berbagai artikel jurnal nasional dan internasional sejak tahun 2018  hingga tahun 2022.  Tujuan utama makalah ini adalah meneliti tren, peluang dan kendala rantai pasok keuangan dengan wujud koperasi berbasis gadai syariah. Dengan menggunakan analisis statistik deskriptif  dari 50 artikel jurnal nasional, 74% atau 34 jurnal sudah mengemukakan peran koperasi sebagai rantai pasok pembiayaan, 16% atau 8 artikel fokus pada peran gadai dalam pembiayaan UMKM. Selebihnya, sebanyak 6% dan 4% menjelaskan peran koperasi, UMKM dalam perekonomian.  Hasil penelitian ini menunjukkan bahwa koperasi sebagai rantai pasok keuangan merupakan strategi pemberdayaan UMKM dan sekaligus sebagai akses keuangan inklusi bagi UMKM dan masyarakat.

This research is based on the results of preliminary observations that in order to achieve success and effectiveness in the implementation of Regional Autonomy, it is necessary for the Regional Government to be prepared in all fields, including the readiness of human resources to be able to answer the challenges in the implementation of Regional Autonomy. In addition, what is no less important for the implementation of Regional Autonomy to run effectively is how regions can explore and empower existing regional potentials, so that in terms of finance which is the main element in running regional government, independence can be achieved. The method used is a qualitative descriptive research method. The population in this study was 5 people. The sampling technique used a purposive sample technique, thus the sample in this study was 5 people. The data collection technique used a questionnaire. The results of the study are as follows: The Regional Original Income Increase Program in Supporting the Implementation of Regional Autonomy in Cilacap Regency has been effectively implemented through intensification and extensification programs that are quite effective in boosting the increase in Regional Original Income (PAD), and the Central Government's control of programs carried out by the Regional Government in an effort to increase regional income. The obstacles faced are the lack of existing human resources, both in quality and quantity; Frequent changes in higher legal regulations that disrupt the process of collecting regional revenue; Facilities and infrastructure that are still inadequate in carrying out the task of collecting regional revenue; Lack of understanding of laws and regulations on taxes and levies from the community; Weak law enforcement efforts against taxpayers and levy payers Efforts made to overcome obstacles in the program to increase Regional Original Income in supporting the implementation of Regional Autonomy in Cilacap Regency, are In increasing Regional Original Income (PAD) the Cilacap Regency Government has carried out the following: Improving the quality of human resources/collectors through functional training. Conducting research and reviewing regulations in the field of revenue to be adjusted to applicable laws and regulations. Improving facilities and infrastructure in order to support regional revenue collection. Conducting counseling to the community, especially to taxpayers and levy payers

The main goal of this study is to assess the impact of sales growth applying the leverage as mediator factor and capital intensity to profitability. The population of study consist of 41 manufacture corporates registered at the IDX which the observation period during year 2019 to 2020. Based on the data analysis and result of study applying Structural Equation Modeling-Partial Least Square or SEM-PLS, the evidence shows that there is no impact significantly from sales growth to profitability. Meanwhile, sales growth has an impact positively to leverage; financial leverage has an impact negatively to profitability; and financial leverage could mediate the effect of sales growth variable to profitability. In addition, capital intensity has an impact negatively to profitability.As the implication, this result recommends that manufacture companies should avoid using debt to finance their operation because it could lead to a decrease in profits.

Effective and efficient financial management is essential for the success of UMKM. However, UMKM are often hampered in optimizing their performance and competitiveness due to lack of knowledge and skills in financial management. Therefore, this community service aims to train UMKM in financial management to improve their financial literacy and their ability to utilize skills in business management. This activity uses a participatory approach by involving UMKM in the Bugangan Village area and the method includes theoretical explanations and direct practical assistance. The training materials include basic concepts of financial management and simple financial report analysis. The results showed that participants had a better understanding and skills to manage business finances more effectively. In addition, participants also reported increased time efficiency and accuracy of financial records after the training was implemented. Thus, this program is expected to help UMKM become more adaptive to the demands of the digital era and contribute to sustainable local economic growth.

This study focuses on financial management in the field of education/agency at the Al Mubarok Baturaja Islamic Boarding School. Historically, financial management at the Al Mubarok Islamic boarding school was managed manually. Over time, financial management using the manual method is considered less efficient. Therefore, an application called Siske Sakti was created, which is a digital-based Islamic boarding school financial recording application, which has complete and simple features and design. This study uses the Field Research Method. While the Siske Sakti testing technique used beta testing which was carried out by distributing questionnaires via Google form to respondents, namely Al Mubarok students as many as 20 people using a Likert Scale. From the research that has been done, it is obtained that an average percentage of 80.36% is included in the "Strongly Agree" category. This shows that the Siske Sakti application helps in managing the finances of Al Mubarok Baturaja Islamic Boarding School students.

The financial sector is undergoing rapid digital transformation, driven by innovations in digital banking, fintech, and AI-driven solutions. This transformation has significant implications for consumer trust and data security. This paper explores the impact of these technological advancements on customer confidence in financial institutions, especially in light of recent data breaches and cybersecurity threats. By analyzing regulatory responses and cybersecurity frameworks, the study emphasizes the critical need for robust protections to build and maintain consumer trust in digital finance. Findings indicate that enhanced security measures and regulatory oversight are essential in safeguarding data and supporting the sustainable growth of digital finance.

The purpose of this research is to examine the output of management accounting where managers of each division will make decisions in the future to evaluate the company's financial performance in PT. RRK . Research data is primary data obtained from interviews with the finance & accounting division and direct observation at the company. The research method uses a qualitative descriptive method. Based on the results of the analysis obtained, namely the management of PT. RRK  through the finance & accounting manager has implemented management accounting in its business activities by making decisions based on financial reporting both from raw material shopping activities, sales recap to accounts payable. However, in terms of evaluation, PT. RRK  cannot be said to be maximized because the scope is only as far as the financial perspective which should also be able to cover other perspectives if the evaluation system uses BSC (Balanced Score Card).  

metropolis, and village improvement to gain stability and fairness in development. Allocation of Vilthe large price range is the right of the village as district/metropolis governments have the proper to reap trendy Allocation funds (DAU) and unique Allocation price range (DAK). The expected effects of the Village Fund Allocation are the advent beta the village budget to finance village government packages, both village operations, and village community empowerment to improve village authorities services, improvement, governance, and network empowerment. Goal to determine the effectiveness of the Village Fund Allocation policy in Marga Sungsang Village, Banyuasin II District, Banyuasin Regency, South Sumatra visible from the context, input, manner, and product and evaluation of the extent of Village Fund Allocation in the control category technique: this is quantitative research with a cross-sectional method drawing near. Result: typical, this size has a big move-sectional scale, particularly: the overall context is 79.05 the general input is 76.10, the overall process is eighty one.45 and the overall product is seventy six.88. limitations: based on the researcher's direct theel in the research process, there are numerous barriers, along with the range of respondents is simplest 33 people, direction, twhichiswhichetheless not enough to describe the state of aff, airs and the item of studies which specializes in the effectiveness of the add program in terms of context, input, method, and product and level of control of Village Allocation within the class of Sungsang Marga Village, Bnayausin II District, Banyuasin Regency, South Sumatra. Contribution: For Sungsang Marga Village, Banyuasin II place, South Sumatra Banyuasin, to take advantage of extra village subsidies and increase similarly development of network development and empowerment. F, or the aTher this research to boom knowledge and expand peproperlyon andregardingal inregardinghe problem of coping with the allocation of village budget to solidarity improvement and empowerment. For the Alma mater, the outcomes of this lexpecteddexpectedato dd new references from the analysis of add management in improving network improvement and empowerment.

The purpose of this research is to find out whether there is an effect of Capital Market Training(X1), Investment Return(X2), Risk Perception(X3), and Financial Literacy(X4) on Generation Z Invesment Interst, either partially or simulaneously.. The method used in this study is a quantitative research method, using a questionnaire data collection tool, with a Generation Z at the University of 17 August 1945 Surabaya Faculty of Economics and Business Undergraduate 1 year 2019-2020 class as the population. The results of this study are that there is an effect of capital market training(X1) on the z generation's investment interest, there is an effect of investment return(X2) on the z generation's investment interest, no effect of risk perception(X3) is found on the z generation's investment interest, and there is an influence of literacy finance(X4) to investment interest in generation z. But if tested Simultaneously all Variables have a Significant effect.

Regional Financial Performance Analysis is a form of accountability and a manifestation of financial decentralization and authority from the center to the regions. Regions that are able to manage their finances effectively and efficiently are certainly expected to be able to stimulate the economy through budget absorption in productive sectors and their potential so that they will be able to overall increase efficiency, effectiveness and independence. In this study, the ratio analysis of independence, efficiency and effectiveness is used to see how far the Tana Toraja Regency Government is in managing its regional finances. The results of the ratio calculations carried out resulted in an average independence rate of 22% during the research year (2017-2019). While the results of the calculation of the regional financial efficiency ratio are an average of 88% and the results of the calculation of the effectiveness ratio of regional original income reach an average of 71%.

This research aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Finance (NPF), Financing to Deposit Ratio (FDR) and Operating Cost of Operating Income (BOPO) on the Profitability of Islamic Commercial Banks in Indonesia. Sampling in this study used a purposive sampling method with data collection techniques, documentation studies and library research. The number of samples used as many as 12 Islamic Commercial Banks in Indonesia. The data obtained were analyzed using multiple linear regression analysis using Eviews 10 software and Microsoft Excel 365. The results of this research indicate that the CAR has an insignificant positive effect on Profitability, NPF has a significant negative effect on Profitability, FDR has an insignificant negative effect on Profitability, and (BOPO) has a significant negative effect on profitability. 

Finance & Accounting Department merupakan bagian dari sebuah hotel karena bertanggung jawab dan menyediakan laporan keuangan atas expenses dan income dari sebuah hotel secara harian, mingguan dan bulanan. Untuk memperlancar arus kas diperlukan juga kelancaran penerimaan piutang hotel, dimana piutang hotel atau Account Receivable merupakan asset hotel. Jika nilai piutang turun berarti pengumpulan pembayaran piutang lebih besar pada saat itu sehingga dapat membantu membayar biaya operasional hotel; namun jika terjadi sebaliknya maka pembayaran operasional hotel akan sedikit tertundaKeywords : cash flow, account receivable, hotel, role.

Recording income and expenses in running a business is something that must be applied when carrying out a business activity. Notes or books are very important in human life in rewriting to be used as a reminder and to record important things. Financial Recording is very important as a business actor but many MSME actors forget this. The importance of digital financial literacy can help record financial transactions and make it easier to recap product sales data, then an innovation emerges. An application on the smartphone Buku Khas. Therefore, the purpose of this Community Service is to educate and teach MSME actors to use the Special Book Application. The results of the study show that there are still many MSME actors who still record finances by writing them in a book, therefore the researcher is conducting community service with the theme of introducing technology to MSMEs in order to facilitate business continuity.

Populasi penelitian ini berjumlah 45 orang. Populasi diambil dari seluruh karyawan PT. Federal Internasional Finance Kabupaten Tapanuli Tengah. dikarenakan jumlah populasi dibawah 100 orang, maka penulis mengambil seluruh jumpa populasi untuk dijadikan sampel sebanyak 45 orang. Jenis data yang digunakan dalam penelitian skripsi ini adalah jenis data subjek dan sumber data bersifat primer. Hasil uji instrumen diperoleh hasil antara variabel X dan Y setiap butirnya dinyatakan valid karena nilai Corrcted item total lebih besar dari nilai r kritis (0,30) dan antara variabel X dan Y dinyatakan reliabel karena Cronbach Alpha berada diatas 0,60. Dari uji analisis asumsi klasik diperoleh data penelitian terdistribusi normal karena pada grafik histogram berbentuk lonceng, pada grafik P-P Plot di atas, dapat terlihat sebaran data dekat dengan garis diagonal dan pada hasil uji statistic kolmogorov- smirnov menunjukkan nilai sig. 0,200, hal ini berarti nilai sig lebih besar dari 0,05 yang artinya seluruh data yang digunakan dalam penelitian ini terdistribusi  normal) Dari hasil pengujian data, diperoleh hasil nilai t hitung < t tabel maka Ha diterima dan H0 ditolak. berdasarkan hal tersebut, maka hipotesis yang diajukan dalam penelitian ini diterima.

This study aims to determine the effect of financial and digital literatures and financial management on the performance of UMKM. This research used quantitative research using associative approach. Data collection was carried out by distributing questionnaires to 30 respondents of UMKN business actors in Cilacap District. The data analysis method used is quantitative analysis using Path Coefficients Test, Modes of Goodness Test, and Hypothesis Testing. Path coefficient value of the influence of financial management on the performance of UMKM. The results of the linear test and the output of column coefficients and T-tables are known that financial management has a significant effect on performance as seen from the p value 0.005 <0.05. Good and correct financial management will provide benefits and advantages for  UMKM  actors.  Several  related  institutions  can  provide  financial  and  digital  literatures training assistance. Training not only provides theoretical knowledge but also provides activities such as workshops and mentoring continuously.

Suppliers play an important role in determining product quality, costs, product development, and access to finance for companies. If the company is less selective in choosing its suppliers, the costs incurred may become ineffective. This study aims to develop or design a supplier selection model for non-critical items in Fast Moving Consumer Good companies. In this study, a literature review approach is used by examining 10 journals that have discussed supplier selection procedures. Each journal used as a basis for this study also has different problem objects, models, variables, methods and results. The results of the cross-reference analysis are used to design a procedural model for selecting suppliers for non-critical items. The design of the non-critical item supplier selection model uses several criteria which will later be used as the basis for selecting non-critical item suppliers. From several journals that have been studied, several criteria are obtained that are in accordance with the company that the researcher will conduct research, and will later be re-elected according to the company's needs. This study aims to develop or design a supplier selection model for non-critical items in FMCG (Fast Moving Consumer Good) companies. By using the F-AHP (Fuzzy – Analytical Hierarchy Process) and TLS (Traffic Light System) model, companies that have never had a procedure for selecting suppliers for non-critical items can carry out this procedure so that in the future this procedure can become a standard in companies in terms of choosing supplier.

Tujuan penelitian ini adalah untuk mengetahui bagaimana penilaian kinerja keuangan BFI Finance, Adira Finance, WOM Finance, dan Buana Finance dinilai berdasarkan rasio keuangannya dan bagaimana penilaian kinerja keuangan BFI Finance, Adira Finance, WOM Finance, dan Buana Finance jika dibandingkan antara rasio keuangan dengan rata-rata industri. Teknik analisa yang digunakan dalam penelitian ini adalah rasio likuiditas, rasio aktivitas, rasio solvabilitas, rasio profitabilitas, dan rasio pasar. Data yang digunakan adalah data sekunder yang berupa laporan keuangan dari perusahaan BFI Finance, Adira Finance, WOM Finance, dan Buana Finance selama periode 2019-2021. Berdasarkan penelitian yang dilakukan, maka hasilnya dapat diketahui sebagai berikut, dilihat dari rasio keuangan secara keseluruhan penilaian kinerja keuangan BFI Finance memiliki prospek pertumbuhan yang tinggi daripada ketiga perusahaan lainnya. Sedangkan dilihat dari perbandingan rasio keuangan dengan rata-rata industri, kinerja keuangan BFI Finance dan Adira Finance memiliki prospek pertumbuhan tinggi daripada kedua perusahaan lainnya.