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This research aims to determine the role of banking cooperation with cooperatives and the obstacles to the role of banking cooperation with the Karya Baru village unit cooperative (KUD), Teluk Tigo Village, Cermin Nan Gedang District, Sarolangun Regency. This thesis uses qualitative research methods, the data sources used are primary and secondary data sources with data collection techniques and instruments through observation, interviews and documentation. The research results show that this cooperative collects funds from its members in the form of mandatory savings, principal savings and voluntary savings. However, in carrying out cooperative activities, the cooperative management has not yet collaborated between the bank and the cooperative. The role of banking in this case is simply a place to store money for the administrators of the Karya Baru Village Unit Cooperative (KUD) in Teluk Tigo Village. There are no mutual benefits provided by either the cooperative or the banking sector, so members continue to withdraw money/borrow money through the cooperative in cash. One of the factors supporting the achievement of the goals of a program is its implementation. If the implementation of a program is good and on target, then the program can also have an impact on society. However, in this case the obstacle faced by the cooperative management is the lack of understanding of the management so that the cooperative being run is not very optimal so that the community does not have confidence in its management.    

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.

Property in Islam is a significant concept that encompasses various aspects such as ownership, distribution, and utilization. Islam emphasizes the importance of legal and transparent ownership, where wealth must be acquired through honest and ethical means. Unethical practices like theft and usury are strictly prohibited. Fair distribution of wealth is also emphasized, as seen in the obligation of zakat, a mandatory payment given to those in need. Islam promotes the idea that wealth should not be selfishly retained by a few, but should be fairly distributed to benefit society as a whole. Additionally, Islam highlights responsible utilization of property. While recognizing individual property rights, Islam also emphasizes the responsible and conscientious use of wealth. Overall, the concept of property in Islam is grounded in principles of integrity, fairness, and responsible stewardship.

This research focuses on the implementation of the Al Wadiah concept in the State Savings Bank (BTN) in Indonesia. The concept is based on Islamic law and deals with trust and custody. The bank has integrated Al Wadiah into its savings services and manages customer funds in accordance with Sharia regulations. This study uses secondary data to analyze the implementation. The study found that BTN offers a range of savings products that emphasize the security of deposited funds. The study also identified challenges and opportunities faced by the bank in implementing the concept. These challenges include regulatory changes, educating the public and a comprehensive understanding of Sharia principles. Despite these challenges, there are opportunities for BTN to expand its range of Sharia-based services and increase public confidence in the financial system.

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.

The rapid urbanization and industrialization of cities have significantly contributed to the rising pollution levels, especially in urban rivers, where water quality is often compromised. Monitoring water quality in real-time is essential for mitigating the adverse effects of water contamination. This research aims to design and implement an Internet of Things (IoT)-based system for real-time monitoring of water quality in urban rivers, focusing on the continuous collection and analysis of environmental data. The system utilizes a range of sensors to measure critical water quality parameters, including pH, temperature, dissolved oxygen (DO), turbidity, and various contaminants, all of which transmit data wirelessly to a central server for further processing. The study evaluates the accuracy, reliability, and efficiency of the IoT system in detecting water pollution and its ability to deliver real-time insights. Findings demonstrate that the IoT system offers a higher level of precision and faster detection compared to conventional monitoring methods, making it an effective tool for real-time pollution detection and decision-making. Additionally, the integration of the IoT system with a user-friendly visualization platform enhances the accessibility of the data for stakeholders, enabling them to monitor the water quality effectively. The study suggests that IoT-based water quality monitoring systems present a sustainable long-term solution for urban water management, offering cost and time savings. Moreover, the research highlights the importance of cross-sector collaboration to support the development and deployment of IoT technologies and recommends further advancements in sensor technologies to monitor additional water quality parameters.  

This study's goal is to understand consumer attitudes toward the services provided by customer service. This study is being conducted at Bank bjb Kantor Cabang Pembantu Jember. The method used in this study is a deskriptif kualitatif approach, while the data used in this study are obtained through a kajian kepustakaan approach by utilizing books, articles, or other written materials related to the study. The initial data for this study was obtained from observations and interviews with national banks that have one tabungan product, Bank bjb KCP Jember. The analysis's findings highlight the importance of customer service in improving the company's offerings in order to gain positive feedback and an increasingly successful business. Thus, Bank BJB KCP Jember can continuously strengthen its position in the banking industry.

The aim of the community service activity is "Socialization and Education of Sharia Banking Products for UMKM". This socialization aims to educate about sharia banking products so that they can know and understand sharia banking products so that it is hoped that a lot of knowledge and information will be absorbed by respondents, in this case are UMKM actors in Tanah Grogot. During educational outreach related to Sharia Banking, the team distributed questionnaires to respondents or participants in the socialization for UMKM actors to analyze based on the answers of respondents who attended the socialization. From the results of the socialization, the understanding of UMKM actors towards Islamic banks is sufficient. This can be proven by 15 respondents or (83.33%) who answered Yes, Fairly Understand. This shows that of the 18 UMKM actors who attended the socialization, they had sufficient understanding regarding Islamic banks and The Products. This means that the education that has been provided by the community service team has been quite successful in increasing the insight and knowledge of UMKM players and it is hoped that it can increase public awareness, especially UMKM players in Tanah Grogot, to carry out minimum savings transactions at sharia banks. Apart from that, one of the biggest obstacles in Sharia Bank transactions is the lack of available ATM networks, which makes UMKM players still hesitant to become interested in becoming Sharia Bank customers. This was proven by the UMKM players who attended the socialization, 9 respondents or 50% still Hesitance to become a sharia bank customer is due to the fact that the ATM network is not large, which is one of the factors why there are still many who are not interested in becoming sharia bank customers. From the results of the community service activity "Socialization and education of sharia banking products for UMKM in Tanah Grogot" it can be concluded that the presenters were able to educate the UMKMs who attended the socialization very well. This was proven by 11 respondents or 61.11% who responded that the material presented by the lecturers related to sharia banking product education was very good so that UMKM players could gain understanding and knowledge about sharia banking contracts and products which they hoped would be equipped with this knowledge. applied in sharia-based economic life.

Microenterprises are crucial to the economic landscape, especially in developing countries, as they contribute significantly to GDP and employment. However, these businesses often face challenges in adopting sustainable practices due to financial constraints, limited resources, and market access issues. This research evaluates the impact of energy efficiency on the profitability of Sharia-compliant microenterprises applying green business principles. By integrating energy-saving measures, such as energy-efficient technologies and optimized consumption, microenterprises can reduce operational costs and improve profitability. Sharia-compliant businesses, which adhere to ethical and sustainable practices, tend to be more open to implementing such green practices. The findings show that energy-efficient microenterprises outperform conventional ones in profitability, as energy-saving leads to lower costs and enhanced competitiveness. The study also highlights the importance of green finance in supporting these enterprises by overcoming financial barriers, allowing them to adopt energy-efficient technologies. Despite the clear benefits, challenges such as high initial investment costs and limited access to efficient technologies remain. Policy intervention, including financial incentives and education, is necessary to address these barriers and enable microenterprises to fully capitalize on energy efficiency. In conclusion, energy efficiency is not only a key driver of profitability for Sharia-compliant microenterprises but also a strategy for long-term sustainability and competitiveness.

History opens a window to the past to welcome the future, learning history will help to know and understand how the history of the past and also the people associated with these events. Studying history not only aims to know important events or events in the past but also teaches various forms of experience that occur both success and failure. Every human being needs education and knowledge because it is for human development itself. Through education, humans not only get teaching about special skills but also something deeper, namely science. In the world of education through learning, students gain knowledge and learn what is obtained through learning. Each student will pass the evaluation stage. The evaluation is given after students have gone through several learning and understanding processes and then given questions, both essays and multiple choice questions, in order to help the learning process in the classroom. To maximize the use of multiple choice as a learning tool, students can choose it with consideration in the answer choices that have been determined. Teachers give assignments to students to work on multiple choice questions in two ways, the first is to solve multiple choice questions, when given an assignment during class hours to submit it to the teacher when the subject is finished. Alternatively, the teacher can give the students an assignment or homework and collect it during the next meeting. Research shows that teachers prefer the use of multiple choice questions, not only because of administration, time saving and simplicity but also because they are objective and consistent. Furthermore, students based on the results of the study prefer giving multiple choice questions because they can eliminate answer errors and the questions on multiple choice questions are more objective than others. In addition, with the multiple choice question method students can actively participate in the learning process.

This research aims to investigate the relationship between savings and investment theory in the concept of economic growth. Savings and investment theory are two main elements in macroeconomi analysis that play an important role in determining the level of economic growth of a country. This research explores the impact of the interaction between savings and investment levels on economie growth. In both conventional and Islamic economic contexts, savings and investments are importan inancial instruments in managing personal finances, supporting economic growth, and achieving the inancial goals of individuals and society as a whole. However, in Islamic economics, both must comply with Sharia principles to create economic justice and religious obedience. reserves of funds that can be used for future consumption or investment. Meanwhile, in Islamic economics, sharia-based savings must comply with sharia principles which prohibit usury and transactions involving haram elements. The goals of savings in Islam include sharia compliance, financial security, and distribution of wealth to the needy.

In the early days, before the creation of money, economic activities or business transactions were carried out through barter or commonly called barter trade. In the exchange process, goods and services were exchanged directly with other goods and services that were mutually needed by the parties involved. At the macro level itself, the parties involved in the production of goods and services can easily and smoothly exchange goods and services by using money as an intermediary. Meanwhile, the domestic sector that receives income in the form of money uses the money to buy goods and services produced by the commercial and manufacturing sectors. It is the changes in these cash flows that cause changes in prices and/or production quantities, for example. It also affects saving behavior, investment and the business cycle. The method in this study is to use a type of qualitative descriptive research. The purpose of this study is to understand and explore the concept of money in Islamic macroeconomics that does not contradict Islamic law.

Working capital products are one of the products offered and distributed by the State Savings Bank, Medan Sharia Branch Office, which is in great demand by customers because human needs are unlimited. This research uses qualitative research with the data used is secondary data, namely through literature study. The benefit of doing working capital financing at a bank is being able to finance the company's daily expenses or operations. With sufficient working capital, the company will operate economically and efficiently and not experience financial difficulties. The aspects of working capital financing at BTN Syariah are due to interest from customers and factors such as superior service, processing speed, competitive profit sharing ratio, as well as the availability of desired funds, margins, third party funds, and non-financing. performance financing which is an aspect of working capital financing at BTN Syariah KC Medan bank.  

Knowledge of finance, understanding of religiosity and security are three aspects that can influence a person's decision to make savings. By understanding these three aspects, it is hoped that the millennial generation will become a generation of quality for the progress of the nation and state. This research is a descriptivequantitative research using primary data. The sample used in this study was 95 millennial generation respondents. Data were obtained by distributing questionnaires both in person and online to respondents who met the qualifications as millennials or those born in 1990 to 2000. The data that was obtained was then processed with statistical software tools, namely SPSS version 26. The results in this study based on the regression test are: first, partially, the financial literacy variable has no influence on saving decisions. Second, partially, religiosity does not have a significant influence on the decision to save in Islamic banks. Third, partially, security has a significant influence on the decision to save in Islamic banks. And fourth, simultaneously, financial literacy, religiosity and security variables significantly influence the decision to save in Islamic banks.

The advancement of Industry 4.0 demands production systems to operate more efficiently, adaptively, and securely in facing global challenges. One promising technology that addresses these needs is the Digital Twin (DT), a digital representation of physical systems that enables integration between the real and virtual environments. Through DT, production processes can be modeled, monitored, and tested in real time, allowing for evaluation and optimization before implementation in actual systems. This study aims to explore the effectiveness of DT in modeling automated industrial systems, particularly in relation to improving production efficiency, quality control, energy savings, and operational safety. The research employed an experimental approach based on simulation within a robotic production line consisting of machines, sensors, actuators, and conveyors. The research stages included identifying system components and workflows, developing a DT model that integrates physical and virtual layers with Internet of Things–based data connectivity, and conducting simulations representing diverse operational scenarios. The findings indicate that DT implementation enhances operational efficiency, reduces production errors, and optimizes energy utilization. Furthermore, DT proves effective in strengthening safety aspects by enabling early detection of potential disruptions and providing preventive recommendations before significant impacts occur. Compared to conventional simulations, DT offers a more realistic, adaptive, and relevant approach to the needs of modern industry. The implications of this study highlight DT’s strong potential to become a new standard in the development and control of automation-based production systems, driving the creation of smarter, more efficient, and sustainable industries.

KSPPS Fastabiq Khoiro Ummah Tambakromo branch is one of the KSPPS Fastabiq Khoiro Ummah branch offices located in Tambakromo district, Pati district. The aim of this research is to find out whether the variables of service quality and employee performance affect the satisfaction of members of the KPPS Fastabiq Khoiro Ummah Tambakromo branch. The method used is associative because it aims to determine the cause and effect of two or more variables. The sample was obtained from 100 respondents, savings members of the KSPPS Fastabiq Khoiro Ummah, Tambakromo Branch. The questionnaire method is the sampling technique used. Data is processed using reliability tests, validity, multiple liner regression tests, simultaneous tests. From the results of statistical tests there is a positive and significant influence simultaneously on the variables of service quality and employee performance on KSPPS member satisfaction. Fastabiq Khoiro Ummah Tambakromo branch is proven by an Fcount value of 133,016 and a significance level of 0.000 which is smaller than the significance level of 0.05, because Fcount is greater than Ftable which is 2.36. So it can be decided that the hypothesis is accepted which states that there is a significant influence and simultaneous between service quality and employee performance on member satisfaction of KSPPS Fastabiq Khoiro Ummah Tambakromo branch.

The cigarette industry is an industry that has an important role in the economy and employment. The objectives of this research are (i) to determine the share of female workers compared to male workers at the Tunas Mandiri Cigarette Factory; (ii) To find out the benefits obtained by female workers in helping their household economy. The method used is a qualitative method supported by primary data, namely sourced from interviews. The results of this research are (i) The share of workers at the Tunas Mandiri Cigarette Factory, female workers, is greater than male workers, in 2023, namely the share of female workers will reach 95.4% and the share of male workers 4.6%; (ii) Women workers receive various benefits that are useful in helping their household economy, namely for school fees, for paying motorbike loans, for paying bank installments, for saving, for daily food costs. The implication of this research is to provide information and references that women can help their household economy by working in various industrial sectors.  

Kartika Muda Orphanage, is one of the children's orphanages in Medan City, North Sumatra, located at Jalan Sunan Kalijaga/ Ampera Manunggal Pasar 6. Kartika Muda Orphanage has 25 children with an age range of 6 - 15 years. The aim of this service is to improve the financial literacy skills of the children of the Kartika Youth Orphanage through an introduction to money and its functions, an introduction to financial institutions and the concept of saving. In this service, the PKM Team found that the children of the Kartika Youth Orphanage did not know how to manage their finances well and did not have awareness of the importance of saving.

Community Service is one of the implementations of the Tri Dharma of Higher Education, aiming to apply students’ academic knowledge directly within society. This activity was carried out by fifth-semester students of the Islamic Banking Study Program through the organization of the Festival Ramadhan Ceria at SDN 1505 Pasir Julu. The program aimed to instill Islamic values, enhance basic understanding of Islamic finance, and foster religious and social character among elementary school students during the month of Ramadan. The implementation method employed an educational and participatory approach through various activities, including Islamic competitions, educational games, simple counseling on saving based on Islamic principles, and socio-religious activities. The results of the program indicated increased enthusiasm and active participation among students, improved understanding of Ramadan values, and early awareness of Islamic financial concepts. In addition to benefiting the students, this community service activity also served as a practical learning experience for university students in developing soft skills, leadership, teamwork, and social awareness. Therefore, the Festival Ramadhan Ceria proved to be an effective medium for strengthening the relationship between higher education institutions and the community, while also contributing positively to the character development of elementary school students.

A company's success or failure is determined by the strategy, theory and marketing management applied. This research was conducted to find out what marketing strategies for easy mudharabah savings products are used by Bank Syariah Indonesia KCP Medan Juanda to increase the number of customers. This research uses descriptive qualitative analysis methods, using primary data, namely the researcher took data directly by interviewing the Marketing Funding BSI KCP Medan Juanda and secondary data secondary data obtained from documents, scientific journals, books and literature related to the research problem. The results obtained were that BSI carried out a marketing strategy, one of which was by implementing the 4p marketing mix, namely (product, price, promotion, place). BSI must be able to estimate strategic locations, collaborate with other agencies, expand market share, improve quality and innovate.