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Sharia banking is a financial institution that has a very important role in advancing the Indonesian economy and is an answer to the public's need to use a banking system based on sharia principles. However, sometimes there are many perceptions that Islamic banking is the same as conventional banking. Sharia banking has fundamental differences from conventional banking, namely regarding legal aspects, organizational structure, financed business activities and work environment. Sharia banking operational activities are based on sharia principles, namely the principle of profit sharing, buying and selling and leasing principles by conducting business through mudharabah, musyarokah, murabbahah and ijaroh contracts. Meanwhile, conventional banking provides services in payment traffic with the principle of determining interest for both savings and loan (credit) products and applying various fees in the form of nominal amounts and certain percentages.

With its development, society expects needs, one of which is in the field of financial transactions, one of which is a financial process framework. Advances in information technology in the service sector have been utilized by product marketing and financial institutions, especially Bank Syariah Indonesia. With the launch of sharia banking service information technology known as BSI Mobile. The presence of BSI Mobile makes it easier for every customer to get services and products without having to go to the nearest office. And with BSI Mobile, it is hoped that Bank Syariah Indonesia can achieve customer satisfaction in using it. This research focuses on improving service quality and Mobile Banking product quality on customer satisfaction at PT. Bank Syariah Indonesia KCP Bogor Citeureup 3. The research method used is a quantitative method approach with data collection techniques using accidental sampling or non-probability using the entire population when dealing directly at the BSI Citeureup office 3. The population in question is all customers who have BSI Bank savings, totaling 50 respondents using a questionnaire on a Likert scale. In data processing for analysis using SPSS 25 software with multiple regression analysis techniques with results Y = 8.311, X1 = 0.287, for X2. And simultaneously, the two independent variables get a calculated F of 20.682. In terms of the coefficient of determination, it was found that the two independent variables had an influence of 51.8%. This research shows that there is a positive and significant partial or simultaneous influence between the service quality and product quality variables on customer satisfaction at PT. Bank Syariah Indonesia KCP Bogor Citeureup 3.    

Socialization activities to improve financial and accounting literacy in the community were carried out in Rumah Tiga Village, focusing on the role of financial and accounting literacy in family financial management. Rumah Tiga Village was chosen because it still needs understanding and skills about financial management and accounting to support economic development and community welfare. The methods used in this activity include practical demonstrations, surveys to the community, as well as cooperation with Rumah Tiga Village officials. The main focus of this socialization was to increase understanding of household financial management, achieving future financial goals, the importance of long-term savings, education on future investments, and emergency funds to avoid future financial difficulties. The role of accounting in recording income and expenses, preparing budgets, and understanding how to make household financial reports are important points for the community to become better at managing their finances. The implementation of this socialization activity is tailored to the needs of the village community, involving cooperation with the village government to increase understanding of financial literacy and accounting. It is hoped that this activity can provide good knowledge to the Rumah Tiga community about financial literacy and accounting in the community.

The financial sector is one area that is greatly influenced by the development of information technology. Both in administrative processes in financial institutions such as the Bhakti Karya savings and loan cooperative and non-formal training in the form of training outside financial institutions. Almost all financial institutions, companies, government agencies, financial institutions and others have switched to using electronic-based applications. The aim is to be able to process data easily and quickly. The Microsoft Excel training given to Ksp Karya Bhakti members/employees by the Community Service Team went smoothly. The institution welcomed this training activity because members/employees often feel overwhelmed when it is the end of the month to prepare the institution's financial reports. Especially members/employees in the reporting section who are still relatively new to using Microsoft Excel software in making institutional financial reports, so far making calculation reports has been done manually by writing in books and using a calculator.

Considering that today's children mostly live with a consumerist attitude, it is necessary to provide education and introduction to the benefits of the value of money and manage finances by cultivating a frugal lifestyle and a love of saving from an early age. Educating them to avoid consumerist lifestyle behavior also aims to manage their own finances and can increase their comfort in the future. The main target of this activity is the community, especially children in Latta Village, Baguala District, Ambon City. This activity was attended by 25 children and 10 mothers in Latta Village. This activity program is implemented using the material presentation method. The main mission of socialization activities is to foster a frugal lifestyle, a hobby of saving from childhood for a more prosperous future, and children being able to differentiate between needs and wants.    

A village profile is needed to provide an accurate, comprehensive and integral picture of the village's potential and level of development. Through the University's Real Work Lecture activities on August 17 1945, we tried to help Kalidami RW 10 Village located in Surabaya City, East Java Province in an effort to create a village profile. Based on problem identification, the profile of Mojo RW 10 Village contains some information on the number of existing UMKM. However, there is some data that is still not complete or updated. For example, data that has not been updated is about Waste Generation, Village Profile, Waste Savings, etc. Therefore, the objectives of this service activity are: 1) creating a profile of Mojo RW 10 Village which contains complete village potential data and 2) presenting profile data of Mojo RW 10 Village which can be accessed in printed and electronic versions. The methods used are secondary data collection, surveys and interviews. Evaluation of this activity is carried out directly during the profile creation activity, so that output can be produced that meets the wishes of the target audience. The output of this activity is a printed book on the profile of Mojo RW 10 Village which is one of the documents available at the RW 10 hall and a video profile of Mojo RW 10 Village which has been uploaded on social media.

Abstract. This study analyzes the factors determining customers' choices regarding wadiah savings in Islamic banks. Islamic banks, as financial institutions operating based on Islamic principles, offer wadiah savings products that are free from interest, speculation, and uncertainty, making them an attractive option for individuals who wish to accumulate savings in accordance with sharia. Using qualitative methods and a literature study approach, it was found that the determinants of customers choosing wadiah savings are influenced by internal and external factors. Internal factors include personality, religiosity, knowledge, and family influence. External factors include occupation, social interaction, service quality, and other factors such as economic conditions, technology, regulation, and promotion. Understanding these factors is crucial for Islamic banks in designing effective marketing strategies. These strategies can enhance customer satisfaction, attract new customers, and strengthen the position of Islamic banks in a competitive market. Keywords: Sharia Bank, Wadiah Savings, Influence Factors, Marketing Strategy. Abstrak. Penelitian ini menganalisis faktor-faktor yang menentukan pilihan nasabah terhadap tabungan wadiah di bank syariah. Bank syariah, sebagai lembaga keuangan yang beroperasi berdasarkan prinsip-prinsip Islam, menyediakan produk tabungan wadiah yang bebas dari unsur bunga, spekulasi, dan ketidakpastian, menjadikannya pilihan menarik bagi individu yang ingin mengakumulasi tabungan sesuai dengan syariah. Dengan menggunakan metode kualitatif dan pendekatan studi literatur, ditemukan bahwa penentu nasabah dalam memilih tabungan wadiah dipengaruhi oleh faktor internal dan eksternal. Faktor internal meliputi kepribadian, religiusitas, pengetahuan, dan pengaruh keluarga. Faktor eksternal termasuk pekerjaan, interaksi sosial, kualitas pelayanan, dan faktor lainnya seperti kondisi ekonomi, teknologi, regulasi, dan promosi. Pemahaman terhadap faktor-faktor ini penting bagi bank syariah dalam merancang strategi pemasaran yang efektif. Strategi ini dapat meningkatkan kepuasan nasabah, menarik nasabah baru, dan memperkuat posisi bank syariah di pasar yang kompetitif. Kata kunci: Bank Syariah, Tabungan Wadiah, Faktor-Faktor Pengaruh, Startegi Pemasaran.

This research aims to not only make students skilled in mathematics but also provide provisions for its application in everyday life. Mathematics learning needs to use concrete objects to help students understand mathematical concepts according to the stage of student learning development, namely at the concrete operational stage. Addition and subtraction of numbers is one of the subjects of mathematics. Students often have difficulty learning addition material using saving techniques and subtraction using borrowing techniques. The use of learning media in the form of concrete objects is very helpful in learning the material of adding and subtracting numbers. One of the learning media that can be used is the decanomial bead bar box. This media is a Montessori-based media. This research aims to describe the implementation of decanomial bead bar box media for addition and subtraction of numbers in class II students at SDN Jati 03 and to describe student learning outcomes in the implementation of decanomial bead bar box media for addition and subtraction of numbers in class II students at SDN Jati 03.

  Abstract. Research shows that leadership plays an important role in improving and reforming schools and education systems in the era of the Fourth Industrial Revolution (Mustiningsih, Maisyaroh, and Ulfatin 2019). In the context of the digital industrial revolution, leaders are not only responsible for academic performance and the proper functioning of schools but are also responsible for all activities carried out by schools (Kurniawan et al. 2023). This revolution includes automation and digitalization of all aspects of the industry to create products that meet consumer needs (Lanang Putra et al. 2021). This revolution also presents challenges for tax reform, including integrating various changes caused by digitalization and the Fourth Industrial Revolution (Mayasari and Narsa 2020). In the field of education, leadership abilities in understanding and using digital knowledge are very important to support learning activities in the era of the Fourth Industrial Revolution (Sugiarto and Dewantara 2021). The leadership qualities demonstrated by Christ are very important for pastors in the era of the Fourth Industrial Revolution to be able to lead effectively and overcome challenges (Eppang 2022). The fourth industrial revolution offers opportunities to increase savings and reduce consumption through the development of e-commerce and the digital economy (Suwardana 2018). In addition, this Revolution has also changed job design, job structure, and required skills, thereby increasing the demand for people with different skills (David 2021). Finally, business orientation, digital capabilities, leadership skills, and the environment influence business decisions (Justin and Handoyo 2023).

This research investigates the impact of work motivation and leadership, mediated by job satisfaction, on employee performance in savings and loan cooperatives during the Covid-19 pandemic in Pemalang. The population consists of employees from Koperasi Simpan Pinjam Muti Artha Utama, Graha Mandiri, and Merdeka Makmur the Main Branch Office in Pemalang, totaling 250 individuals. Data collection is conducted through a questionnaire, and the validity and reliability of the instruments are assessed through appropriate tests. The analytical approach involves multiple regression analysis. The findings from the multiple regression analysis indicate that work motivation positively and significantly affects employee performance, while leadership also demonstrates a positive and significant impact on employee performance. Furthermore, work motivation is found to exert a positive and significant influence on job satisfaction, and leadership similarly shows a positive and significant impact on job satisfaction. Job satisfaction is then identified as having a positive and significant effect on employee performance. The results suggest that job satisfaction serves as a mediator, enhancing or fortifying the influence of work motivation variables on employee performance. Similarly, job satisfaction acts as a mediator, amplifying the impact of leadership variables on employee performance within savings and loan cooperatives in Pemalang.

This research examines Baitut Tamwil Muhammadiyah (BTM) Taqwa in improving sharia microeconomics in Singkut sub-district, Sarolangun district, Jambi province. The aim of the research is to find out the strategic role of BTM Taqwa in improving sharia microeconomics. Apart from that, to find out the supporting and inhibiting factors experienced by BTM taqwa. This type of research is qualitative using a managerial and sharia economic approach; the research paradigm is direct involvement and intense interaction with informants; data sources are empirical data obtained in the field through the Founding Board, Management, Members and customers of BTM Taqwa as well as the regional government of Singkut sub-district, Sarolangun district, Jambi province (primary sources) and documents and books related to research (secondary data); The instruments for this research are observation, interviews and documentation and the data collection tools are observation guides, interview guides and documentary study guides; data collection stages include preparation, implementation and preparation; and the validity testing techniques used are credibility and compatibility. The results of this research show that BTM Taqwa plays a role in improving sharia microeconomics in Singkut sub-district, Sarolangun Regency, Jambi Province. The role played by BTM Taqwa is the role of empowering human resources and an entrepreneurial spirit, the role of improving microeconomic welfare, and the role of distancing people from the practice of usury. The results of this research also show that the supporting factors for BTM Taqwa's success in micro economics internally are strategic location, commitment of the board of trustees, management and members, and high participation in member savings, while externally there is high demand from micro business actors for BTM Taqwa, ease of obtaining business capital assistance received by micro business actors, and government support. The inhibiting factors experienced by BTM taqwa internally are BTM taqwa's lack of human resources, lack of financial capital and technology, while externally there are many customers who are lazy about making savings capital payments.

One of the benefits of using a farmer card is to access subsidized fertilizers. Farmer cards are those programmed by the government and can function to ease all farmers' affairs in making loans, transactions, savings and regarding the acquisition of subsidized fertilizers. This research was motivated by problems in the farmer card program which according to the community was less useful for them, especially in terms of accessing fertilizer. The farmer card is expected to be able to overcome the problem of fertilizer distribution that is not on target and is expected to be able to provide welfare for every farmer owned by farmers with the fertilizer obtained, so that the farm that is run produces satisfactory production for the farmers themselves. The results showed that, on average, the number of farmers who did not understand the farmer card was 60%, while those who understood the farmer card were 37%. This is due to the lack of socialization from related agencies, causing a lack of understanding of farmers towards the farmer card program, especially given the fact there are some farmers who have not studied at all. This farmer card has also not been benefited by farmers, so farmers have difficulty getting subsidized fertilizer and have to spend expensive costs to obtain fertilizer.

The use of technology is one solution in helping problems in various circles, both in the world of education and in companies. One of them is the application of an accounting information system to enter, process or report a company's accounting. This application can produce data processing quickly and accurately. This will of course save time and also reduce errors that occur when work is done manually. Like cooperatives, cooperatives must use an accounting information system so that work can be done quickly and accurately. PGRI Kosera's activities in Central Java are in the savings and loans sector. The savings and loan recording process at Kosera PGRI Central Java is not very effective, and because the recording process is repetitive, there is still too much risk of inaccurate and quick misinformation to be reported using Ms. Excel still requires previous data processing from bookkeeping, both deposits, loans and installments, resulting in delays in submitting reports to management. Therefore, in a computerized system that can process membership data, journals, savings transactions, loans and installments, reports made by the Kosera Pgri Cooperative will be valid in programming languages, especially in calculating installment interest costs and financial reports. From the results of the program created, data entry errors and interest calculation errors can be reduced, financial reports can be produced more quickly, and effective and efficient achievements can be achieved.

The use of technology is one solution in helping problems in various circles, both in the world of education and in companies. One of them is the application of an accounting information system to enter, process or report a company's accounting. This application can produce data processing quickly and accurately. This will of course save time and also reduce errors that occur when work is done manually. Like cooperatives, cooperatives must use an accounting information system so that work can be done quickly and accurately. PGRI Kosera's activities in Central Java are in the savings and loans sector. The savings and loan recording process at Kosera PGRI Central Java is not very effective, and because the recording process is repetitive, there is still too much risk of inaccurate and quick misinformation to be reported using Ms. Excel still requires previous data processing from bookkeeping, both deposits, loans and installments, resulting in delays in submitting reports to management. Therefore, in a computerized system that can process membership data, journals, savings transactions, loans and installments, reports made by the Kosera Pgri Cooperative will be valid in programming languages, especially in calculating installment interest costs and financial reports. From the results of the program created, data entry errors and interest calculation errors can be reduced, financial reports can be produced more quickly, and effective and efficient achievements can be achieved.

This research analyzes the role of priests in social dialogue related to the implementation of the Public Housing Savings Program (TAPERA) in Riam Batang Parish and its impact on the lives of the people. TAPERA, as an Indonesian government initiative, aims to facilitate livable house ownership for low-income people through savings and financing schemes. In Riam Batang Parish, priests not only function as spiritual leaders, but also as facilitators of social dialogue and agents of change. This research uses a qualitative approach with case studies, collecting data through in-depth interviews with priests and congregation. The research results show that imams play a key role in increasing people's awareness and understanding of TAPERA, as well as helping overcome bureaucratic and economic obstacles. The Imam plays an active role in providing education and outreach regarding this program, helping the congregation access its benefits, and being a mediator between the congregation and government agencies. However, several challenges such as lack of understanding of the people, complicated administrative processes, and economic limitations are still significant obstacles. This research highlights the importance of effective social dialogue built by priests in supporting the implementation of TAPERA, as well as the need for collaboration between the church, government and local communities to overcome these challenges. Thus, the role of the priest in a social and economic context becomes essential in improving the welfare of the people and achieving the goals of a more inclusive and sustainable public housing program.

Abstract. The Islamic financial industry in Indonesia is experiencing rapid development. Generally, Abstract. factors such as knowledge, needs, abilities, concerns and judgments influence customer decisions in using financial products. However, with the variety of influencing factors, many students and individuals with higher education are not yet interested in saving in Islamic banks. As students, they may have a superior understanding because as students, students continue to review the transformation of the times. As part of the academic world, students are accustomed to the continuous learning process, gaining deeper insights into changes and trends in various fields. This study aims to uncover the views of students and family circles who tend to prefer conventional banks over sharia banks. Likewise, this study is also intended to provide public understanding of bank selection knowledge, so that it can stimulate deeper discussions regarding individual considerations in choosing sharia banks. On the other hand, this study was compiled with the aim of clarifying the importance for students to consider their choices of  sharia banks. This study is intended to explore knowledge about sharia banking and the family environment towards sharia banks. The method applied in this study is a qualitative descriptive method. With data analyzed using a questionnaire filled out by 51 student respondents. The main objective of the study is focused on understanding the knowledge of students and family environment towards sharia banks, a descriptive qualitative approach with the intention of describing and analyzing the causes of a phenomenon. Data collection is carried out through observation and observation to describe the phenomena that occur. The research respondents consisted of 50 students from various campuses. The study revealed that there were variations in perception among students. and family environment, including in terms of gender, student knowledge, and the influence of the family environment on sharia banks. Keywords: Student knowledge, family environment, sharia bank    Abstrak. Industri keuangan Islam di Indonesia sedang mengalami perkembangan. yang cepat. Umumnya, faktor-faktor seperti pengetahuan, kebutuhan, kemampuan, perhatian dan penilaian yang memengaruhi keputusan pelanggan dalam menggunakan produk keuangan. Meskipun begitu, dengan beragamnya faktor yang memengaruhi, banyak mahasiswa dan individu yang memiliki pendidikan tinggi belum tertarik untuk menabung di bank syariah. Sebagai mahasiswa mungkin memiliki pemahaman yang lebih unggul karena sebagai pelajar, mahasiswa terus meninjau transformasi zaman. Sebagai bagian dari dunia akademis, mahasiswa terbiasa dengan proses pembelajaran yang berkelanjutan, memperoleh wawasan yang lebih mendalam tentang perubahan dan tren dalam berbagai bidang. Penelitian ini bertujuan untuk mengungkap pandangan mahasiswa dan lingkup keluarga yang cenderung lebih memilih bank konvensional daripada bank syariah. Demikian pula, penelitian ini juga dimaksudkan untuk memberi pengertian masyarakat mengenai pengetahuan pemilihan bank, sehingga dapat merangsang diskusi yang lebih mendalam mengenai pertimbangan individual dalam memilih bank syariah. Disisi lain, penelitian ini disusun dengan tujuan untuk memperjelas pentingnya bagi mahasiswa untuk mempertimbangkan pilihan mereka terhadap bank syariah. Penelitian ini dimaksudkan untuk mengeksplorasi pengetahuan mengenai perbankan syariah dan lingkungan keluarga terhadap pada bank syariah. Metode yang diterapkan dalam penelitian ini adalah metode deskriptif kualitatif. Dengan data dianalisis menggunakan kuisioner yang diisi oleh 51 responden mahasiswa. Tujuan utama penelitian difokuskan untuk memahami pengetahuan mahasiswa dan lingkungan keluarga terhadap bank syariah, pendekatan kualitatif deskriptif dengan maksud menguraikan dan menganalisis penyebab suatu fenomena. Pengumpulan data dilakukan melalui pengamatan dan observasi untuk mendeskripsikan fenomena yang terjadi. Responden penelitian terdiri dari 50 mahasiswa dari berbagai kampus. Penelitian mengungkapkan bahwa terdapat variasi persepsi di kalangan mahasiswa. dan lingkungan keluarga, termasuk dari segi gender, pengetahuan mahasiswa, dan pengaruh lingkungan keluarga terhadap bank syariah. Kata Kunci : Pengetahuan mahasiswa, lingkungan keluarga, bank Syariah

There is attention and problems encountered related to collateral and loan terms in credit decisions at the Swadharma Artha Gemilang Savings and Loans Cooperative in Blahbatuh District, Gianyar Regency. The aim of the research is to determine the effect of collateral and loan term simultaneously and partially on credit decisions at the Swadharma Artha Gemilang Du Savings and Loans Cooperative, Blahbatuh District, Gianyar Regency. The number of samples was determined using the Accidental Sampling method as many as 90 credit customers at the Swadharma Artha Gemilang Savings and Loans Cooperative in Blahbatuh District, Gianyar Regency. Data were analyzed using validity and reliability tests, classical assumption tests, multiple linear regression analysis, determination analysis, statistical analysis of the t test (t-test) and statistical analysis of the F test (F-test). The results of the research show that there is a positive and significant influence, both partially and simultaneously, between collateral and loan term on credit decisions at the Swadharma Artha Gemilang Savings and Loans Cooperative in Blahbatuh District, Gianyar Regency.   Keywords: , 

This research aims to examine the effect of non-performing loans on economic profitability in the Balo' Toraja Savings and Loans Cooperative, Makale District, Tana Toraja Regency. The type of research used in this research is quantitative descriptive research. The unit of observation in this research is the financial report and non-performing loans for 2016-2020. The results of this research show that there is an influence of non-performing loans on economic profitability, which means that if non-performing loans increase, economic profitability will decrease, and vice versa, if non-performing loans decrease, economic profitability will increase.

This service aims to explore the application of information technology in the management of Savings and Loan Cooperatives (KSP) to improve operational efficiency and quality of service to cooperative members. The problems faced by cooperatives include the lack of utilization of information technology, lack of operational efficiency, and limited services to members. To overcome these problems, this service uses a qualitative analysis approach through surveys, interviews, and observations. The purpose of this service is to provide practical guidance for KSP in adopting and implementing information technology, as well as contributing new knowledge in the literature on the application of information technology in KSP. The contributions of this service include providing concrete solutions to the problems faced by KSP, as well as increasing the theoretical understanding of the role of information technology in improving the performance of KSP. The results of the service show that the application of information technology has successfully improved the operational efficiency of KSP and the accessibility of services to members. The implications include the potential to improve the economic welfare of cooperative members and its relevance as a guide for policy makers in designing regulations that support the development of cooperatives. Thus, this service offers practical solutions and important knowledge contributions in improving the performance and relevance of KSPs in the digital era.

This community service activity takes the form of a sharing session with the aim of finding a model for managing marine biota in the context of saving sea turtles. This activity was carried out at Lowita Beach in Wiring Tasi Village, Suppa District, Pinrang Regency and was attended by the community, turtle conservation observers as well as academics. The implementation time is November 4-5 2023. Based on the results of the activities that have been described, the conclusions from community service activities, socialization of the development of the ecotourism concept in improving community welfare are as follows: providing positive benefits for the community, educating, and sharing knowledge for mutual progress. . The target of this activity is for coastal communities to support economic growth by preserving the environment, with the hope that ecotourism can increase tourist visits in the area which can contribute to improving the welfare of the community. MSMEs can grow and develop, contribute more to the community, and create new jobs.