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Independence and life skills are needed in a social welfare institution; Al-amin's children (LKSA) have only been able to survive by depending on financial sources from the provision of Zakat, Infaq and Sadaqah from the Benefactors. Independence and life skills in the form of entrepreneurial skills will form a mature entrepreneurial spirit in the children who are in a dormitory which will ultimately lead them to independent living and can even make life easier for the institution where they live. A weak spirit of independence is experienced at the Al-Amin Child Welfare Institution (LKSA), Kedungturi Taman Sidoarjo Village. As productive young people, children in orphanages should have the potential to develop better, but due to limited entrepreneurial knowledge they have they have not been able to develop optimally. This program aims to create independent young entrepreneurs who are able to create business opportunities for orphanages and the surrounding community. The results achieved in the Science and Technology for Society program are making creatively designed stitches and unique shirts, increasing children's resources so they are able to produce, mastering effective marketing strategies and mastering business management.

This research aims to provide information and knowledge about the implementation of financial management carried out by SMKN 1 Doloksanggul, Humbahas District. The research methodused in this research is a qualitative method. Data collection techniques were carried out by researchers through interviews, note sheets. The research results obtained were that SMKN 1 Doloksanggul prepared a report card for 2024 before entering 2024 in November and December 2023 and the preparation of this report card was carried out by a team called the “BOS Team”. For school financial resources, the school principal forms various policies to obtain addiotional funds to be able to implement each program that has been prepared. Research conducted at SMKN 1 Doloksanggul shows that the implementation of school financial management is quite good.

This article aims to analyze the level of understanding among Generation Z in Medan, Indonesia, regarding the money market and capital market. The study employs a survey method with questionnaires distributed to 100 respondents aged 18-25 in Medan. The collected data are descriptively analyzed to depict the respondents' knowledge and understanding of the basic concepts, instruments, and operational mechanisms of the money market and capital market. The research findings indicate that although most of Generation Z in Medan are aware of the existence of financial markets, their understanding of the operational details and functions of the money market and capital market remains relatively low. Education and access to information are identified as primary determinants influencing this understanding level. These findings indicate the need for enhanced financial literacy through more intensive and targeted educational programs for this age group in Medan.

The objective of this study is to assess the performance of the DANA application as an electronic wallet and analyse the effect of managing the application's securities on user decision-making when using the application in the setting of the digital economy based on the sovereignty of the Unitary State of the Republic of Indonesia (NKRI). The study method employed was a qualitative literature review. The data was acquired by consulting relevant scholarly publications on Google Scholar to thoroughly comprehend the advancement of knowledge about the subject matter and identify areas of research that require further exploration. The hypothesis analysis revealed a significant correlation between the advantages of the digital economy, the growth of the digital economy, and the factors affecting the utilisation of E-Wallets or Dana apps within the Homeland. The development of the digital economy enhanced a nation's ability to withstand challenges by promoting economic sovereignty, cybersecurity and inclusive economic growth. Various factors, including data security and the rise of the digital economy, affected the utilisation of Dana applications. In addition, these factors affected the execution of national values. Utilising the Dana application as a digital wallet strengthened the nation's economic sovereignty and enhanced well-being and financial inclusivity across all segments of Indonesian society. Hence, comprehending the security management of the application and users' perspective regarding it is crucial in affecting users' trust and their decision to embrace the Dana application as their preferred E-Wallet for supporting the NKRI sovereignty-based digital economy.

This research was conducted to determine the perception and readiness of an online shop to use a financial accounting application based on the Technology Acceptance Model (TAM) theory. Therefore, interpretive qualitative research was carried out using a descriptive case study approach at the online shop "Sweet Palettee" as the research object. The data collection techniques used were interviews, observation and archival recordings. From the data that has been collected and analyzed by researcher, it is concluded that the use of the financial accounting application carried out by Sweet Palettee based on the Technology Acceptance Model (TAM) theory is going quite well. Each aspect of TAM is interconnected, which overall has a positive role for Sweet Palettee in the acceptance and use of the "Money+" financial accounting application. With this research, it is hoped that it can increase insight and knowledge for researcher and for academics, also can be used as a reference for related companies to make decisions in the future.

qualified labor is an important factor in achieving economic development of a region. To improve the quality of the workforce, job training is needed that can provide job skills for the workforce. This study aims to explain the benefits of job training for improving the quality of the workforce based on the policies and programs of the NTT Provincial work training UPTD and explain the productivity of graduate participants after attending job training. This study uses a descriptive qualitative approach, by conducting structured interviews to informants and instructors UPTD work training, and also graduates from job training. The results showed that job training is very beneficial for improving the quality of the workforce through the empowerment of Labor expertise in order to have skills, attitudes, and knowledge about the world of work. Many of the job training graduates have been successful in their efforts and are able to absorb other workers, but not infrequently job training graduates who fail to achieve productivity due to not being serious when attending job training, lack of availability of business capital, and lack of readiness to compete in the world of work. In order for job training graduates to achieve their productivity, supervision is needed by the Uptd of work training and also financial assistance from local governments for the effectiveness of training activities and the provision of business capital to support the efforts of job training graduates.

As internet technology advances, paying for knowledge has become a popular way of learning. This trend has increased the demand for financial management courses among non-financial majors, such as tourism. With Guilin's geographical advantage, many students in the area are pursuing non-financial tourism majors. Therefore, it is crucial to conduct extensive research on this group's willingness to purchase financial management courses, an essential and valuable topic. The knowledge payment market is developing rapidly. Understanding the purchasing intentions of non-financial tourism majors will help grasp market trends and provide market development directions for relevant institutions. The number of respondents for this study was 380. The results of this study show that students’ purchase intention on management courses for their career development would be impacted by performance expectation, effort expectation, and social impact.    

The purpose of writing This For understand the review of Islamic law regarding the practice of buying and selling breast milk (ASI) in Ujung Pandang District, Makassar City. The theoretical benefit of this research is that it is hoped that this research can provide a useful contribution to the development of knowledge regarding the buying and selling of breast milk in society and the attitude of the government and religious figures towards the practice of buying and selling breast milk (ASI) in handling it and practically, it is hoped that this research can help provide ideas for the community and readers regarding the buying and selling of breast milk from the perspective of Islamic law. The research method is empirical juridical research. The results of this research show (1) An overview of Islamic law regarding the practice of buying and selling breast milk (ASI) in Makassar City, especially in Ujung Pandang District, namely that it should not allow buying and selling breast milk (ASI), because there are many disadvantages (damage/danger). Because the buying and selling of breast milk (ASI) which is carried out through the Indonesian Association of Breastfeeding Mothers (AIMI) does not have recorded data so the source of breast milk (ASI) is not clear between the sellers and buyers of breast milk (ASI). (2) Factors that influence the practice of buying and selling breast milk are as follows: 1. Economic factors, where the perpetrators of buying and selling breast milk (ASI) are breastfeeding mothers who are still young and some of them are not able to produce breast milk. (ASI) is good, where the perpetrators of buying and selling breast milk (ASI), especially respondents who sell breast milk (ASI), experience financial shortages, so they choose to sell breast milk (ASI) through the Indonesian Breastfeeding Mothers Association (AIMI). 2 the religious factor, which is due to a lack of education and support from the family so that many perpetrators of buying and selling breast milk (ASI) do not really understand the importance of religious knowledge in carrying out the practice of buying and selling breast milk (ASI). Conclusions of Writer are: (1) Overview Islamic law regarding practice sell buy breast milk (ASI) in Makassar City, especially in Ujung Pandang District , namely should No allow exists sell buy breast milk (ASI), because Lots harm ( damage / danger ). Suggestions from Writer are: (1) It is better not to breastfeed (ASI). bought and sold in a way illegal nor free. (2) Necessary exists supervision morestrict from institution government nor non- governmental institutions local about practice sell buy breast milk (ASI) so you don't happen.

Tax awareness has become an important aspect in the modern era, especially in the context of generation Z who increasingly understand the urgency of their contribution to the tax system. This article explores generation Z's tax awareness, focusing on their understanding of tax obligations and the challenges they face in the modern era. Generation Z, with easy access to information, has great potential to shape taxpayer compliance, but various challenges such as lifestyle changes, global economic transformation, and the complexity of tax regulations are factors that influence their compliance. By understanding these dynamics, it is hoped that a more comprehensive view can be produced regarding the role of Generation Z in creating taxpayer compliance and supporting future economic development. The research method used by researchers is descriptive quantitative method. Data collection used by researchers was carried out using a questionnaire-based survey method. The research results obtained are the factors that influence compliance in paying taxes in this generation Z era, namely because they realize that taxes are one of the government's supports in carrying out regional development, so that everyone needs to pay taxes. This shows that the level of tax knowledge is an important factor in increasing taxpayer compliance to fulfill their tax obligations. Their challenge in paying taxes is that they find it difficult to set aside special funds to pay taxes. This is because generation Z may not have sufficient financial knowledge or literacy to plan and manage their funds wisely and live a high lifestyle.

It is expected that UMKM will become a leading economic sector in order to achieve its building goals. This is due to the fact that UMKM is one of the few businesses that can thrive in challenging economic conditions. Due to this, in order for UMKM to be able to continue, UMKM has to have sound financial management practices. The first is having accurate financial knowledge and the ability to create financial reports that are needed to formulate business strategies that will eventually emerge. The financial performance of East Sudimara Culinary MSME in Ciledug, Tangerang does not reflect a sound financial performance. Training and mentorship outcomes, such as basic accounting and financial report writing, raise MSME actors' knowledge of the value of the information collected.

Abstract. The purpose of the financial reporting system described above refers to conventional BTN financial reports as a whole because the financial reports at BTN Syariah KCS Banjarmasin still return to their parent bank where all BTN Syariah throughout Indonesia are business units of BTN Conventional. The research method in this study was carried out qualitatively with a descriptive approach. This research data uses primary and secondary data. Data collection techniques use observation and interviews. Meanwhile, research techniques use data presentation and drawing conclusions. Based on the results of the research, it shows that the processing of earnings management at BTN Syariah KCS Banjarmasin is quite efficient due to good working capital turnover as a means of generating profits. Judging from the net profit margin, it is quite efficient with an average percentage of 78.02%. The rate of return on assets is also efficient, although it continues to decline with a percentage of 1.41% and the rate of return on capital is considered effective with an average percentage of 13.15%. The author provides input to the bank so that the management of the financial reporting system at BTN KCS Banjarmasin is managed by the bank at each branch office or unit so that each financial report and profit management at the bank is more specific. Islamic banking academics should always participate in the development of sharia banking by providing input to financial institutions and also providing understanding to the public so they can differentiate between the bank interest system and the profit sharing system in banking. And also provide knowledge so that people do not get involved in the practice of interest which can actually lead to usury.

Early marriage is a marriage that occurs at an age below the ideal provisions, where the prospective bride and groom are generally not physically, mentally, or financially ready. Therefore, early marriage is often considered a hasty decision because it is carried out without proper planning and preparation. The purpose of this study is to determine whether there is an effect of health education about early marriage on the level of knowledge and attitudes of adolescents at the Kuala Health Center, Kuala District, Langkat Regency in 2022. The type of quasi-experimental research with a research design using one group pre-post design, namely This type of research is used to determine the effect of health education about early marriage on the level of knowledge and attitudes of adolescents. This research was conducted at the Kuala Health Center, Kuala District, Langkat Regency in 2022. The population in this study amounted to 30 people, then the sample was part of all the objects studied and was considered to represent the entire population. The number of samples used was 30 people using the Total Sampling technique. The results of the statistical test results using the Wilcoxon test obtained the results of the p value of knowledge = 0.000 <0.05 and the p value of attitude = 0.000 <0.05. So it is proven that there is a significant influence between health education about early marriage on the level of knowledge and attitudes at the Kuala Health Center, Kuala District, Langkat Regency in 2022.

The importance of fishing boat maintenance cannot be underestimated. A well-maintained vessel not only increases efficiency in fishing operations, but also minimizes the risk of accidents at sea. Ship maintenance covers various aspects, from regular engine inspections, repairing damaged hulls, to ensuring that all safety equipment is in good condition. The purpose of this study is to increase the awareness and understanding of fishermen in East Sapa Village regarding the importance of ship maintenance and life safety at sea. This research method uses a qualitative method with a short description of the analysis. The results of this study show that although the fishermen of East Sapa Village have a basic awareness of the importance of boat maintenance and safety at sea, they face a variety of significant challenges, including limited resources, limited technical knowledge, and lack of relevant training. Financial and material constraints hinder the implementation of thorough ship maintenance, while a varied understanding of safety indicates the need for more in-depth education. Strong community cooperation and greater government support, including the provision of resources and training programs, are essential to address these issues and improve the well-being and safety of fishermen.    

The importance of fishing boat maintenance cannot be underestimated. A well-maintained vessel not only increases efficiency in fishing operations, but also minimizes the risk of accidents at sea. Ship maintenance covers various aspects, from regular engine inspections, repairing damaged hulls, to ensuring that all safety equipment is in good condition. The purpose of this study is to increase the awareness and understanding of fishermen in East Sapa Village regarding the importance of ship maintenance and life safety at sea. This research method uses a qualitative method with a short description of the analysis. The results of this study show that although the fishermen of East Sapa Village have a basic awareness of the importance of boat maintenance and safety at sea, they face a variety of significant challenges, including limited resources, limited technical knowledge, and lack of relevant training. Financial and material constraints hinder the implementation of thorough ship maintenance, while a varied understanding of safety indicates the need for more in-depth education. Strong community cooperation and greater government support, including the provision of resources and training programs, are essential to address these issues and improve the well-being and safety of fishermen.    

In general, many people choose to save and borrow money from financial institutions other than sharia banks, such as conventional banks and general cooperatives. In fact, conventional banks are known to adhere to an interest system which according to scholars is prohibited because interest is considered usury. Factors that can influence interest in saving at Islamic banks are knowledge, promotions and location. A person's knowledge about Islamic banks will influence customer interest, each bank tries to promote all the products and services it has, and the location of Islamic banks has easy assets. The aim of this research is to determine the influence of knowledge, promotion and location on the interest of the people of Pandan Jaya subdistrict, Tanjung Jabung Timur district to save in sharia banks. The type of research used in this research is quantitative descriptive research. The sample was selected using Accidental Sampling and the Slovin formula to obtain 98 respondents. The data analysis used is Multiple Linear Regression Analysis. The results of the research concluded that partially the variables knowledge, promotion and location had an influence on interest in saving at Sharia Banks in Pandan Jaya Village, East Tanjung Jabung Regency. Simultaneously, the variables of knowledge, promotion and location influence interest in saving at Sharia Banks in Pandan Jaya Village, East Tanjung Jabung Regency. Based on the coefficient of determination, it indicates that knowledge, promotion and location can influence interest in saving at Sharia Banks by 77.4%. It is hoped that people, especially Muslims, can save in sharia banks considering that sharia banks have used sharia principles in accordance with Islamic recommendations, sharia banks can increase people's interest in saving using Sharia Bank services by considering research variables, namely increasing knowledge, promotion and location, and further research can add other variables which are also thought to influence interest in saving at Sharia Banks.

Bank Wakaf Mikro (BWM) Sumber Barokah Denanyar Jombang is one of ten Islamic MFIs in the early stages of the 'Community Empowerment through the Establishment of Islamic MFIs around Pesantren‛ Program facilitated by the Financial Services Authority (OJK) and the Small Business Incubation Center (Pinbuk) by providing loan funds for more productive community business groups. The purpose of this assistance is to provide guidance and direction on the knowledge and implementation of the efforts to be made by the Denanyar Jombang Sharia Micro Waqf Bank in minimizing the risk of capital loans given to MSMEs as business capital. There are three (3) stages in this assistance: Preparation, Implementation and evaluation. The results of the assistance show: (1) An increase in efforts to minimize the risk of capital loans, (2) A decrease in the number of defaults on the risk of returning loan capital (3) An increase in family values and religiosity for customers who make loans.

In the development of financial technology, many payment system innovations have emerged, one of which is the Indonesian Standard Quick Response Code (QRIS). This research aims to determine the implementation of QRIS for business actors in the Kupang City Traditional Market. This research uses a qualitative approach, with data collection methods conducting interviews, observation, documentation. The results of this research show that the Quick Response Code Indonesian Standard (QRIS) is an electronic payment tool to make it easier for people to carry out transactions. Through QRIS, people can feel the ease of making transactions anytime and anywhere, even outside bank operational hours. However, in its implementation there are several obstacles, namely a weak internet connection so that the transaction process carried out by traders is hampered, the cellphones owned by traders are not yet sophisticated so they cannot make transactions, lack of knowledge and a 0.3% deduction from the transaction value.  

SMEs still have low awareness of the benefits of financial reports. If the financial report produced by the entity reflects the actual situation, then the financial report is reliable and can be used as a reference for interested parties, namely investors, government, employees and even the public. With financial reports, they can separate financial data between personal and company property. The problem in this research is the level of awareness of Small and Medium Enterprises (SMEs) in preparing financial reports. This training aims to provide knowledge regarding the application of SAK ETAP and its relevance to Good Corporate Governance which is beneficial for excellent service for a business, in this case the Real Estate sub-sector of business which is increasingly developing every year with many similar competitors.

Empowerment activities at the Al Falah Kemayoran Foundation are a positive step in improving the quality of life of disadvantaged children. This article reflects an introduction to empowerment innovations through drawing, coloring and general knowledge questions and answers in orphanages. The activity implementation method involves a training and mentoring approach, by providing theory, direct practice, and question and answer sessions. The results of the drawing and coloring activities show the participants' success in carrying out these activities neatly. Meanwhile, general knowledge question and answer activities also went well, showing the children's active participation. During the activity, the empowerment team aims to make a positive contribution by increasing the skills, knowledge and creativity of orphanage children. Material assistance, providing new skills, and creating a positive environment are the focus of the team. Awareness of the need for donations and support from the community was also raised as an important aspect. The conclusion of this activity emphasizes that through collaboration between the orphanage, the empowerment team, and the community, an environment that supports the development of orphaned children can be created. Financial and material support is a key factor in ensuring the education and welfare of children at the Al Falah Kemayoran Foundation. Thus, this empowerment activity can be considered a positive step in creating changes that have an impact on the quality of life of children in orphanages.

This study explores the importance of financial literacy in influencing household financial decisions in emerging economies. Using survey data from multiple regions, the research examines how knowledge of financial concepts affects budgeting, saving, and investment choices. The results indicate that higher financial literacy levels are strongly linked to more effective financial management and improved economic well-being among households.