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Abstract: The promotion of religious moderation in society can prevent potential conflicts and build bridges of brotherhood between religious communities. Likewise, the IAKN Tarutung Postgraduate Christian religious education masters study program through Community Service activities in Doloksanggul sub-district, Humbang Hasundutan Regency. Community service activities participants consist of lecturers and students. Through this activity, the Christian religious education Masters Study Program also carried out research aimed at finding out the benefits of socializing religious moderation in Doloksanggul Village, Humbang Hasundutan Regency. The material content of religious socialization activities contains 4 indicators as follows: 1. Teaching the ability to live with differences, 2. Building mutual trust, 3. Mutual understanding, 4. Being respectful of each other. This method of implementing community service applies the Participatory Action Research (PAR) method. Community service activities will be carried out from May to August 2024 with a target group of 33 adult people. The community is taught to understand the 4 indicators above through the guidance of the Community service activities team. The benefits of socializing religious moderation in Doloksanggul Village, Humbang Hasundutan Regency can be seen from the number of respondents who answered the question yes on average, 31.6 with a percentage of 95.85%, while the number of respondents who answered no was 1.4 with a percentage of 4.15%. This means that the material content of religious moderation socialization activities in Doloksanggul Village, Humbang Hasundutan Regency is very useful in preventing potential conflicts and building bridges of brotherhood between religious communities.

Community service with the theme of Socialization and Education of Legal Products for MSME and Creative Economy Actors in Temberan Village, Pangkalpinang City, is based on field conditions, where many MSME actors in the region do not have legal legality for the businesses they run and lack basic knowledge regarding product packaging and brand creation that have high marketability. As a result, their businesses are not developing to strengthen the creative economy and enhance the capacity of actors. The model used in this program is a direct dialogue method with the MSME actors. The discussion results showed that of the 26 participants, only 1 MSME actor had received guidance and had an NIB (Business Identification Number), but lacked a halal certificate and patent rights for their product brands. The other 25 participants were briefed for the first time regarding the importance of legal legitimacy for their business. Therefore, it can be concluded that these 25 MSME actors do not have legal legitimacy for their businesses. The team provided assistance to help register their businesses by collaborating with relevant agencies. Regarding product branding, it was found that all participants had not optimized their product branding, as most MSME actors in Temberan Village packaged their products simply without attractive branding, packaging, colors, or packaging materials. Many even used plastic wrapping without a brand. The team intervened intensively by providing further assistance to MSME actors in Temberan Village, utilizing information and communication technology to help determine product brands for those without one and to select packaging materials that follow current trends, shapes, colors, and materials to make the product more attractive and increase branding and consumer interest.

This community service activity aims to improve the ability of farmers in East Singkawang Regency to prepare simple and structured financial reports. Prior to the activity, most farmers had not maintained regular financial records, thus experiencing difficulties in identifying production costs, revenue, and profitability. The implementation method included socialization of farm financial management, training in preparing simple financial reports, and intensive mentoring. This activity involved 20 farmers as community service partners. Evaluation was conducted through comparing conditions before and after the activity using pre- and post-test instruments and observing financial record keeping results. The results showed a 45% increase in farmers' understanding of financial reporting concepts, as well as a 50% increase in their ability to prepare simple profit and loss and cash flow statements. Furthermore, 83% of participants were able to record business transactions independently and sustainably after the mentoring activity. The implementation of simple financial reports also helped farmers identify production cost structures and determine business plans for the next planting season. This community service activity contributed to strengthening the application of financial management in farming businesses and supported increased transparency, efficiency, and economic sustainability for farmers in East Singkawang Regency.

Financial literacy is a fundamental skill that should be introduced from an early age to shape wise financial behavior. Elementary school students need to understand basic financial concepts to recognize the value of money, distinguish between needs and wants, and develop saving habits. However, many children still lack adequate financial literacy. This activity aims to improve financial literacy among elementary school students through a saving habituation strategy at SD Negeri 040530 Bunuraya, Bunuraya Village, Tigapanah District, Karo Regency, North Sumatra Province, Indonesia. The methods used included observation, teacher interviews, financial literacy socialization, and hands-on assistance in saving activities. The strategies implemented involved simple financial education, pocket money management simulations, creating piggy banks, and conducting regular saving programs at school. The results showed an improvement in students’ understanding of money functions, the importance of saving, and positive changes in financial behavior. Students became more accustomed to setting aside their pocket money and demonstrated more frugal and responsible attitudes. This activity indicates that consistent and structured saving habituation can be an effective strategy for improving children’s financial literacy from an early age.

This community service program aims to utilize Balinese orange peel waste into marketable jelly candy in Battu Winangun Village, Lubuk Raja District, Ogan Komering Ulu Regency. The implementation method included socialization, 2-day practical training, and production mentoring involving 30 participants from women's farmer groups, PKK mothers, and youth youth organizations. The results of the activity showed an increase in participants' knowledge from 15% to 92% about the economic potential of Balinese orange peel waste, with 85% of participants successfully producing good-quality jelly candy that met the criteria of chewy texture, balanced sweet-sour taste, and attractive bright color. This program successfully processed orange peel waste rich in natural pectin (18-25%) into a functional low-calorie product with a shelf life of 2-4 weeks. The program's impacts included the formation of independent business groups, a 25-30% reduction in organic waste, and increased public awareness of a sustainable circular economy. The final evaluation showed a 90% level of participant satisfaction, with 87% of participants interested in continuing independent production. In conclusion, this program effectively increases the added value of local agricultural products, empowers the community's economy, and creates social transformation toward a self-sufficient and environmentally conscious village.

The advancement of Artificial Intelligence (AI) presents substantial potential for improving the quality of learning in elementary education, particularly through the application of AI prompts as instructional support in lesson planning and classroom implementation. Nevertheless, many teachers at Integrated Islamic Elementary Schools (Sekolah Dasar Islam Terpadu/SDIT) experience limited AI literacy and insufficient competence in designing pedagogically appropriate and effective AI prompts. This community service program aims to enhance AI literacy and strengthen the professional competence of teachers at SDIT Lukmanul Hakim Puring, Kebumen, in utilizing AI prompts to support instructional design, teaching materials development, and learning assessment. The program employed participatory methods, including socialization sessions, hands-on training, guided practice, and continuous mentoring. The results demonstrate a measurable improvement in teachers’ understanding and practical skills in constructing AI prompts aligned with pedagogical objectives. Furthermore, the integration of AI prompts contributes to increased instructional efficiency and pedagogical creativity. This program is expected to provide a sustainable model for supporting digital transformation in elementary school education.

The legal counseling activity on the technical aspects of preventing and reporting Ilegal online lending in Ngawen Village, Muntilan District, was motivated by the increasing number of Ilegal online lending cases that harm the community due to low legal and digital literacy. Rural communities often become victims because they do not understand the differences between legal and Ilegal loans and are unaware of the proper reporting mechanisms. This activity aims to provide residents with legal understanding regarding online lending regulations, improve digital literacy so that the community can identify Ilegal applications, and train residents to be courageous and capable of reporting Ilegal online lending practices to the relevant authorities. The implementation methods included socialization through interactive lectures, distribution of handout materials, and question-and-answer sessions. The activity was attended by 15 residents of Ngawen Village and featured two presenters from the Faculty of Law, Universitas Muhammadiyah Magelang. The results showed an increase in participants’ understanding of the characteristics of Ilegal online lending, its socio-economic impacts, and the reporting procedures to the Financial Services Authority (OJK), the Ministry of Communication and Informatics (Kominfo), and the police. Participants also gained a better understanding of the importance of protecting personal data and verifying the legality of financial applications before using them. In conclusion, this counseling activity successfully enhanced the community’s legal awareness and digital literacy, fostering a more vigilant and legally empowered society capable of protecting itself from Ilegal online lending practices in the digital era.

This community service activity aims to improve students' understanding of the basic concepts of digital marketing and simple branding at Al-Ihsan Doglo Vocational School as a starting point for fostering an entrepreneurial spirit. This activity was carried out using a descriptive qualitative approach with methods of socialization, observation, interactive question and answer sessions, and documentation throughout the activity. The material provided included an introduction to information technology, digital marketing concepts, the use of social media as a promotional tool, and basic product branding principles that are easy for students to apply. The results of the activity showed an increase in students' understanding of digital marketing concepts, how to utilize social media productively, and an introduction to basic branding elements such as product names, logos, and brand images. The enthusiasm of the participants during the activity indicated that the socialization method used was effective in improving basic digital marketing literacy. This activity is expected to encourage students to be more creative, innovative, and ready to face the challenges of the business world in the digital era.

The legal counseling activity on the technical aspects of preventing and reporting Ilegal online lending in Ngawen Village, Muntilan District, was motivated by the increasing number of Ilegal online lending cases that harm the community due to low legal and digital literacy. Rural communities often become victims because they do not understand the differences between legal and Ilegal loans and are unaware of the proper reporting mechanisms. This activity aims to provide residents with legal understanding regarding online lending regulations, improve digital literacy so that the community can identify Ilegal applications, and train residents to be courageous and capable of reporting Ilegal online lending practices to the relevant authorities. The implementation methods included socialization through interactive lectures, distribution of handout materials, and question-and-answer sessions. The activity was attended by 15 residents of Ngawen Village and featured two presenters from the Faculty of Law, Universitas Muhammadiyah Magelang. The results showed an increase in participants’ understanding of the characteristics of Ilegal online lending, its socio-economic impacts, and the reporting procedures to the Financial Services Authority (OJK), the Ministry of Communication and Informatics (Kominfo), and the police. Participants also gained a better understanding of the importance of protecting personal data and verifying the legality of financial applications before using them. In conclusion, this counseling activity successfully enhanced the community’s legal awareness and digital literacy, fostering a more vigilant and legally empowered society capable of protecting itself from Ilegal online lending practices in the digital era.

Toothpick MSMEs in Tegal Jaya Hamlet, Batumarta I Village, still face challenges in product marketing and business financial management. Product marketing has not utilized social media due to limited knowledge and skills of MSME owners, while business financial records have not been systematically recorded despite the separation of personal and business finances. This mentoring activity aims to increase the capacity of MSME owners to utilize social media as a promotional tool and implement simple financial records. The implementation method includes socialization, interviews, training, and direct mentoring focused on creating social media promotional content and recording business income and expenses. The results of the activity indicate an increase in understanding and skills of MSME owners in using social media for product promotion and compiling financial records in a more orderly and systematic manner. This mentoring is expected to increase marketing effectiveness, support more planned business management, and encourage the sustainability of toothpick MSMEs in Tegal Jaya Hamlet.

Public legal awareness is an important element in realizing an orderly, just, and law-based social life, as it enables citizens to understand and properly carry out their rights and obligations. In Mekarjaya Village, Gantar District, Indramayu Regency, a low level of public understanding of the hierarchy of laws and regulations is still evident, which has the potential to cause errors in the application of law within families and communities. This condition indicates the need for systematic, contextual, and easily understood legal socialization. This Community Service Program aims to improve the understanding of members of the Paguyuban Istri Peduli regarding the hierarchy of laws and regulations, while strengthening their role as agents for disseminating legal information within the surrounding community. The method employed is descriptive qualitative with a participatory approach through the delivery of materials, interactive discussions, question-and-answer sessions, and joint reflection. Data were collected through direct observation, oral question-and-answer sessions, and participant feedback forms. The results show an increase in participants’ understanding, high levels of participation in discussions, and the ability to relate legal concepts to real conditions. These findings confirm that participatory-based legal socialization is effective in enhancing public legal awareness and encouraging active community involvement at the local level.

The development of Islamic finance in Indonesia shown significant growth as alternative financial system based Islamic principles. Data from Bank Syariah Indonesia (BSI) shows the number of Hajj savings accounts reached 5.5 million accounts as of November 2024 and increased to 6.33 million in July 2025. This growth reflects the high level of public enthusiasm in preparing for Hajj funds early on through Islamic financial institutions. In various regions of South Sumatra, BSI has become one of the institutions widely used by the public to open Hajj savings accounts due to its service network and ease of access. The village of Pagar Banyu has great potential for increasing the use of Sharia-based Hajj savings, particularly through the dissemination of information about BSI products. Through appropriate outreach activities, the public can understand wadiah contracts, the benefits of hajj savings, and the process of opening an account and registering for a hajj quota. In this context, Bank Syariah Indonesia (BSI) plays an important role as it is one of the largest Islamic banks. The target audience for this outreach activity is the general public in Pagar Banyu Village, Pagaralam City, South Sumatra Province. This study aims to improve Islamic financial literacy among people Pagar Banyu Village, particularly regarding Hajj savings at BSI, by providing practical understanding of how to open a Hajj savings account, requirements, procedures, and benefits, and encouraging community to start planning for pilgrimage by saving gradually and building awareness of importance of managing finances in accordance with Islamic principles.

The main problem in Longko Village is the low utilization of coconut husk waste due to limited community knowledge and processing skills, resulting in the waste being discarded or burned without economic value. This Community Service Program aimed to empower the community through innovative processing of coconut husk into environmentally friendly and marketable broom products. The program employed a participatory approach consisting of observation, socialization, technical training, mentoring, and evaluation, involving six participants from farming households and housewives. Evaluation was conducted by assessing participants’ skills and the quality of the products produced. The results showed a significant improvement in participants’ technical competencies, as indicated by an increase in knowledge from 30% to 90% and practical skills from 25% to 80%. Most participants were able to independently produce at least one coconut husk broom with acceptable functional quality. Furthermore, the program enhanced participants’ understanding of the economic potential of coconut husk and created opportunities for sustainable household-based enterprises utilizing local resources.

Advances in financial technology require people to have adequate digital financial literacy in order to be able to use financial services safely and wisely. However, there are still many community groups that face limited understanding, including the wife of a retired National Police officer in Megamendung, Bogor. This Community Service Program (PKM) is designed to increase their knowledge, awareness, and skills in managing finances through digital services. The implementation method includes socialization, counseling, interactive discussions, and practical guidance in the use of digital financial applications such as e-wallets and online banking services. Evaluation of activities was carried out through observation, question and answer sessions, and measurement of the level of understanding before and after socialization. The results showed a significant increase in participants' understanding of the concept of digital financial literacy, including benefits and risks to watch out for, such as digital fraud and irregular financial management. In addition, participants also experienced an increase in confidence in using digital financial services for daily needs. This program is expected to encourage family financial independence and improve the economic welfare of the wives of retired POLRI officers in Megamendung, Bogor, as well as become a model for community empowerment in facing the challenges of the digital era.

Personal financial management behavior has gained prominence amid economic globalization, digital transformation, and crisis-induced shifts that reshape individual decision-making, budgeting, saving, and risk practices. This study conducts a comprehensive bibliometric analysis to chart the intellectual structure, growth patterns, and future orientations of research in this domain. Drawing on 312 English-language publications from the Scopus database spanning 2000 to 2024, the analysis employs VOSviewer for co-authorship, keyword co-occurrence, and co-citation mapping, complemented by performance metrics on trends and productivity. Findings reveal a marked acceleration in scholarly output, particularly after 2020, driven by heightened attention to digital tools and resilience factors. Thematic clusters highlight progression from foundational literacy and demographic influences to psychological mediators (e.g., self-efficacy, attitudes) and outcomes centered on well-being and socialization. Geographic contributions concentrate in the United States and Indonesia, with strong Asia-Pacific networks, while productive authors form specialized collaborative hubs. The intellectual base integrates behavioral frameworks with empirical applications, underscoring interdisciplinary depth. These insights address fragmentation in prior work by providing a unified knowledge map, revealing gaps in cross-cultural integration and dynamic digital modeling. Implications extend to guiding targeted interventions for financial education and policy, fostering individual resilience in volatile environments. This synthesis supports scholars and practitioners in advancing evidence-based approaches to sustainable personal finance practices.

Aceh Tamiang Regency is one of the regions in Aceh Province that is highly vulnerable to annual flooding due to river overflow and high rainfall intensity. Flood disasters often cause significant material and non-material losses, which are exacerbated by the limited public understanding of flood mitigation, early warning signs, and appropriate self-rescue procedures. This community service activity aims to increase public awareness, knowledge, and preparedness in facing flood threats through disaster mitigation socialization programs. The method applied in this activity includes participatory socialization, interactive discussions, and simulations of emergency response actions involving local communities, village officials, and volunteers. The program emphasizes recognizing early signs of flooding, understanding emergency evacuation routes, and improving coordination during disaster response. The results indicate a significant improvement in community knowledge regarding flood risks, early warning indicators, and emergency measures that should be taken before and during flooding events. Furthermore, the activity successfully strengthened coordination between village authorities and local volunteers in managing emergency response posts and distributing aid effectively. Through this socialization program, the community of Aceh Tamiang is expected to develop greater disaster resilience and preparedness. Increased awareness and coordinated response mechanisms are anticipated to minimize the adverse impacts of future flooding events, thereby reducing potential losses and enhancing community safety.

The Mapan Satria Program represents the Kediri City Government's commitment, through the Department of Transportation, to enhance public service quality in the bus transportation sector under the name Bus Satria; however, operational obstacles such as schedule unreliability and insufficient public information persist. This study aims to describe the effectiveness of the Mapan Satria Program managed by the Kediri City Department of Transportation commencing in 2023. Program effectiveness was analyzed based on Annas's (2017) seven indicators using a qualitative method with data collection through observation, interviews, and documentation. The analysis indicates that the Mapan Satria Program (Moda Angkutan Pelayanan Aman dan Nyaman Sarana Transportasi Kediri Bahagia) has not yet operated effectively. While aspects such as timeliness, work mechanisms, inter-agency cooperation, fund disbursement, and monitoring and evaluation have been implemented in accordance with regulations, others remain suboptimal, including limited human resources, service deviations, inadequate information updates, and low public utilization. Therefore, the author recommends optimizing the program by expanding socialization to the wider community, providing clear schedule information at bus stops to facilitate passengers, strengthening the operational monitoring and evaluation system, and imposing strict sanctions for deviations.

This study examines the effectiveness of the Jakarta Evolution (JakEVO) program in the implementation of online-based licensing services in South Jakarta, specifically for public transportation route licensing. The program was initiated as part of a public service reform effort aimed at improving accessibility, efficiency, and transparency in the licensing administration process. This study uses a qualitative descriptive approach with data collection techniques including in-depth interviews, field observations, and document studies, involving both the implementing officials at the South Jakarta UP PMPTSP and the public as service users. The findings indicate that JakEVO has positively contributed to the ease and flexibility of the licensing process, particularly in reducing the need for face-to-face interactions. However, its implementation has not yet been fully optimized due to several challenges, including limited program socialization, low digital literacy among the public, technical disruptions in the application system, and human resource capacity that is not fully adaptive to digital transformation. Additionally, the program's evaluation mechanism remains descriptive and lacks comprehensive quantitative performance indicators.

Universities in border areas face challenges in recruiting prospective new students due to limited access to higher education information and low levels of advanced literacy studies among high school students. Bulungan Regency, as a border area in North Kalimantan, demonstrates this condition, which has an impact on the low number of high school graduates who continue their studies at Mulawarman University, especially the Faculty of Teacher Training and Education (FKIP). This community service activity aims to build a partnership strategy between FKIP Mulawarman University and Tanjung Palas State Senior High School and Tanjung Selor State Senior High School as an effort to improve students' understanding of higher education and increase enthusiasm for new student admissions. The implementation method uses a participatory university-school partnership approach through campus socialization activities, educational career workshops, student inspiration classes, virtual campus tours, guidance counselor training, and new student registration assistance. The evaluation program was conducted using pre-test and post-test questionnaires, interviews, and documentation of student registration data. The results of the activity showed a significant increase in students' understanding of FKIP Mulawarman University, from 42% to 85% at Tanjung Palas State Senior High School and from 45% to 88% at Tanjung Selor State Senior High School. The satisfaction rate of partner schools with the program is above 90%, and there has been an increase in student interest in continuing their studies at university. The program also strengthens the role of guidance counselors as information agents for higher education and fosters a sustainable collaborative network between universities and schools. It can be concluded that the School Partnership Program is effective as a strategy to increase new student enrollment at the Faculty of Teacher Training and Education at Mulawarman University and serves as a model for university service in expanding access to higher education in border areas. This program is recommended for continuation and implementation at other schools in North Kalimantan.

Used cooking oil is a household waste that is often disposed of carelessly, potentially polluting the environment and endangering health. In Battu Winagun Village, the availability of used cooking oil from household activities and the abundant potential of lemongrass plants have not been optimally utilized. This community service activity aims to increase the community's knowledge and skills in processing used cooking oil and lemongrass plants into environmentally friendly products with economic value, namely natural aromatherapy candles. The implementation method includes socialization of the negative impacts of used cooking oil on the environment, training in the process of filtering and processing used cooking oil, extracting lemongrass aroma, and assistance in making and packaging aromatherapy candles. The results of the activity showed that the Battu Winagun Village community was able to understand the importance of managing used cooking oil waste and utilizing lemongrass plants as a natural additive. This activity has an impact on reducing environmental pollution and opening up creative business opportunities based on the village's local potential. Thus, the use of used cooking oil and lemongrass plants can be a sustainable solution in waste management while improving the economy of the Battu Winagun Village community.