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Azmilatun, Ika; Adzkia, Ryanzahra Nasywa Fatiha; Baladraf, Thabed Tholib

Jurnal Penelitian Manajemen dan Inovasi Riset 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Production facility layout design is an important part that must be considered in an industry. Banjarsengon coffee house is one of the coffee suppliers in Jember with product types such as robusta and arabica coffee from the Argopuro mountains. The purpose of the research is to reduce material handling costs generated by the industry in order to produce the most optimal costs, and design a proposed layout as an alternative to help reduce material handling costs. This industry processes its products from upstream to downstream so that it has 2 production sites, namely the production house and Cafe Rumah Kopi Banjarsengon. The research was conducted with an interview approach to key informants and continued by calculating material handling costs and the Craft method. The results showed that the initial layout of Banjarsengon Coffee House resulted in material handling costs of Rp. 534,437 and after iteration through the Craft Method, an alternative layout was obtained that resulted in more efficient material handling costs of Rp. 464,302. This shows that there is a material handling cost savings of 13.1% or Rp. 70,135.

Rachmawati Rachmawati; Belliwati Kosim; Mister Candera

Jurnal Penelitian Manajemen dan Inovasi Riset 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

To determine the effect of financial inclusion based on the number of savings accounts, the number of ATM machines, and the number of deposit accounts on bank stability in banking sector companies listed on the Indonesia Stock Exchange The data used is secondary data, with data collection techniques using the documentation method. The sample in this study used the purposive sampling method, namely 19 banking sector companies listed on the IDX in 2019-2023. The quantitative analysis technique uses a multiple linear regression model using SPSS Version26.The results of this study indicate that 1) There is a significant influence of financial inclusion simultaneously on bank stability 2) There is an influence of financial inclusion based on savings accounts partially on bank stability 3) There is an influence of financial inclusion based on the number of ATM machines partially on bank stability 4) There is an influence of financial inclusion based on the number of deposit accounts partially on bank stability in banking sector companies listed on the Indonesia Stock Exchange in 2019-2023. The limitations of this study are only banking sector companies listed on the IDX in 2019-2023. This study only covers 19 companies from the banking sector listed on the Indonesia Stock Exchange. This sample only represents 40.4% of the population of companies in the banking sector. Several companies do not meet the criteria because they do not consistently publish and present complete financial reports, so the number of samples used in this study is limited. This research can be used as a consideration for the Company in formulating the Company's strategy to be taken. To improve access to financial services for people in the lower classes through the resilience of the banking funding base. This research update introduces a new method in data analysis using SPSS version 26 and banking data for 2019-2023.

Herlina Reva Carita; Haura Khalisa Hakim; Raden Naufal Hilmi Saputra; Ni Komang Mia Fabiola; Izzan Shulhan Albar +2 more

DHARMA EKONOMI 2025 sekolah Tinggi Ilmu Ekonomi Dharmaputra Semarang

Economic growth is a complex process influenced by various factors, one of which is capital accumulation. Capital accumulation plays a crucial role in increasing production capacity, creating employment opportunities, and enhancing labor productivity. This study analyzes the role of capital accumulation in Indonesia’s economic growth by highlighting key factors contributing to national output expansion. Using the growth accounting approach and neoclassical growth theory, this research confirms that while capital accumulation contributes to per capita income growth, long-term economic growth remains dependent on efficient resource allocation and productivity improvements through innovation and human capital development. The Cobb-Douglas production model is applied to understand the relationship between capital, labor, and output in determining economic growth rates. The findings indicate that countries with higher savings and investment rates tend to experience faster economic growth. Therefore, economic policies focusing on increasing investment, strengthening human capital, and optimizing resource allocation are key factors in accelerating Indonesia’s economic growth.

Mukarromah, Laili; Ulfi, Lie Aulia; Melani, Niken; Shafrani, Yoiz Shofwa

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2025 FEB Universitas Maritim Semarang

This research aims to analyze the strategic position of the Village Unit Cooperative (KUD) Cilongok using the Strategic Position and Action Evaluation (SPACE) Matrix method and formulate development strategies for savings and loan units and supermarket businesses. The research method uses a quantitative-qualitative approach with data collection techniques through observation, interviews, and documentation. SPACE Matrix analysis is carried out by identifying factors of financial strength, competitive advantage, industry strength, and environmental stability. The results show that KUD Cilongok is in an aggressive quadrant position with relatively high values of financial strength and industry strength. The recommended strategies include market penetration, market development, product development, and business diversification. The implementation of these strategies is expected to improve the performance of KUD Cilongok's savings and loan units and supermarket businesses, as well as improve the welfare of members and the surrounding community.

Agus Wantoro; Ferly Ardhy; Fahlul Rizki; Ahmad Budi Trisnawan; Yulaikha Mar’atullatifah +1 more

International Journal of Engineering and Applied Science 2025 International Forum of Researchers and Lecturers

The integration of solar powered IoT irrigation systems in precision agriculture offers a sustainable solution to address water scarcity and enhance crop productivity. By leveraging real time data from soil sensors, weather APIs, and machine learning algorithms, these systems optimize irrigation schedules and improve water use efficiency. This research explores the potential of integrating renewable energy sources, such as solar power, with edge computing in smart irrigation systems to promote sustainable agricultural practices. The study aims to evaluate the performance of the proposed system in terms of water savings, crop yield, energy efficiency, and adaptability to varying climate conditions. Literature Review: Previous studies highlight the importance of smart irrigation systems in reducing water waste and improving crop yield through real time monitoring and automated decision making. However, existing systems often lack the integration of renewable energy and edge computing, which are critical for ensuring sustainability and operational efficiency in rural agricultural settings. The combination of renewable energy with IoT devices offers a promising solution to reduce energy costs and carbon emissions, while edge computing enhances real time data processing, ensuring prompt and accurate irrigation adjustments. Materials and Method: The proposed system integrates solar powered IoT devices, soil moisture sensors, weather data APIs, and edge computing devices to manage irrigation. Machine learning algorithms and evapotranspiration models are used to predict irrigation needs and optimize scheduling based on real time data. The system's performance is evaluated through metrics such as water savings percentage, crop yield improvements, and energy consumption, with a comparative analysis against traditional irrigation methods. Results and Discussion: The results indicate that the system successfully reduces water usage by 30% to 40%, increases crop yield by 25%, and operates with energy autonomy, powered entirely by solar energy. The system's adaptability to varying climate conditions ensures optimal crop growth, even under environmental stresses. The integration of renewable energy and edge computing significantly enhances the sustainability and efficiency of irrigation systems.

Isnaini Nurul Hanifah; Ali Aminulloh; Imam Prawoto

Jurnal Ekonomi dan Keuangan Islam 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study examines the payment practices for haircut services at the Ma’had Al-Zaytun Barbershop through the lens of al-maslahah theory. Employing a qualitative field‐research design, data were collected via observation, in-depth interviews, and documentation analysis. Findings reveal a centralized payment system handled at the Al-Zaytun Store, accommodating both cash and cashless transactions. Cashless payments are processed by deducting students’ savings or via mobile banking for the general clientele. Classified as ḥājiyyah maslahah, this system facilitates financial record-keeping and offers flexible payment options. It also attains the ḍarūriyyah level by preventing losses and safeguarding the barbershop’s assets. The provision of receipts and precise financial reporting embodies the principles of justice, clarity, honesty, and social welfare. Nevertheless, the absence of a written policy on receipt validity may generate misunderstandings and weaken these principles. Overall, the payment practice aligns with the objectives of maqāṣid al-sharīʿah, particularly the protection of wealth (ḥifẓ al-māl).

Asro Asro; Solihin Solihin; John Chaidir; Febri Adi Prasetya; Tuti Susilawati +2 more

International Journal of Engineering and Applied Science 2025 International Forum of Researchers and Lecturers

Introduction: The integration of Digital Twin (DT) technology and the Internet of Things (IoT) into Building Energy Management Systems (BEMS) offers a transformative approach to optimizing energy consumption in buildings. This study explores the development of a Digital Twin based BEMS prototype, which leverages real time data collection, predictive analytics, and machine learning to enhance energy efficiency, reduce costs, and support sustainability goals in modern buildings. The research also addresses key gaps in current energy management systems, including real time adaptive control and integration with smart grid platforms. Literature Review: Previous research highlights the limitations of traditional BEMS, which often rely on static control strategies and lack real time adaptability. Recent advancements, including predictive maintenance and machine learning integration, have improved energy optimization. However, challenges such as data interoperability, scalability, and cybersecurity remain. This review consolidates current approaches and identifies opportunities for enhancing BEMS through the integration of DT technology, IoT, and machine learning. Materials and Method: The methodology employed involves the design of a Digital Twin based BEMS prototype, incorporating IoT sensors for real time data collection on variables such as HVAC load, occupancy, and environmental factors. The system uses time series forecasting and adaptive control strategies to optimize energy consumption. A case study building is used for validation, with performance metrics such as energy savings, CO₂ footprint reduction, and peak load reduction assessed to evaluate the system's effectiveness. Results and Discussion: The results demonstrate a significant reduction in energy consumption (up to 50%) compared to traditional BEMS, along with improved forecasting accuracy and sustainability performance. The prototype achieved a high R² score in predicting energy usage, validated through real world application in the case study building. The economic feasibility analysis showed substantial cost savings and a strong return on investment, making the system a financially viable solution for energy efficient building management.

Tosuerdi Tosuerdi; Tuti Alawiyah; Teguh Ragil Priyono

Jurnal Budi Pekerti Agama Islam 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Based on the research results, it can be concluded that the activities of the Majelis Ta'lim Kanzul Ulum cover three main areas: education, da'wah, and social service. In the field of education, the Majelis regularly holds daily religious studies, monthly religious studies, and special religious studies on Islamic holidays. In the field of da'wah, it coordinates Rebana training and manages Rebana groups, organizes Salawat Dibaiyah meetings, organizes infaq collections for those who wish to contribute, and facilitates Qurban savings programs. Meanwhile, in the social field, the Majelis plays an active role by organizing assistance for orphans and the poor, providing ta'jil, breaking the fast, and sahur during the month of Ramadan, and holding collective celebrations such as Eid al-Adha. These activities show that the Majelis Ta'lim Kanzul Ulum functions not only as a place to learn religion but also as a center for social solidarity and community empowerment. The role of the Majelis Ta'lim Kanzul Ulum in improving religious knowledge in Karyamulya District, Cirebon City, is very significant. This Majelis functions as a forum for fostering and developing religious knowledge, especially in the field of morals. This assembly also serves as a space for the intellectual and practical dimensions of religious life, fostering social piety, encouraging adherence to Islamic teachings, and strengthening the internalization of Quranic values among its congregation. For adolescents in particular, this Majelis Ta'lim provides a foundation for moral awareness, which grows from continuous exposure to religious knowledge and practices. This study also identified supporting and inhibiting factors that influence the effectiveness of the Majelis Ta'lim. Supporting factors include regular evening recitation activities, local government support, regular scheduling, strong organizational management, tolerance within the community, and the provision of food during the events.

Suyahman Suyahman; Ardy Wicaksono; Dwi Utari Iswavigra; Yogiek Indra Kurniawan; Very Dwi Setiawan +1 more

International Journal of Engineering and Applied Science 2025 International Forum of Researchers and Lecturers

Introduction: Achieving carbon neutrality in industrial systems is essential for mitigating climate change and promoting sustainability. The increasing demand for energy optimization and carbon emission reduction has driven the development of advanced technologies, particularly hybrid machine learning (ML) models. These models, combining ensemble learning and reinforcement learning (RL), offer significant promise in optimizing industrial processes, reducing energy consumption, and improving environmental performance. This study explores the application of hybrid ML models in achieving carbon neutral goals through dynamic process optimization and energy control in industrial settings. Literature Review: Hybrid ML models integrate different machine learning techniques to handle complex and dynamic environments effectively. Ensemble learning methods, such as boosting, bagging, and stacking, combine multiple algorithms to improve predictive performance and robustness. Reinforcement learning (RL), on the other hand, enables real time decision making and adaptation based on trial and error interactions with the environment. In energy optimization, these models are used to reduce energy intensity and carbon emissions, enhancing overall operational efficiency. Previous studies have demonstrated the effectiveness of ML models in energy management, but challenges such as data quality, model integration, and computational complexity remain. Materials and Method: The study applies hybrid ML models combining ensemble learning and RL to optimize energy consumption and minimize carbon emissions in industrial processes. Data from real time sensors and operational parameters are used to train the models. The ensemble learning component improves the accuracy of energy predictions, while RL ensures dynamic process adjustments in response to fluctuating energy demand. The models were tested in various industrial settings, including manufacturing processes, smart grids, and microgrid systems. Performance metrics such as energy efficiency, carbon emissions reduction, and operational costs were evaluated to assess the effectiveness of the models.  Results and Discussion: The hybrid ML models achieved significant reductions in energy intensity (15-20%) and carbon emissions (18-25%). The real time adaptability of the RL component allowed the models to adjust energy consumption patterns dynamically, improving energy efficiency and reducing waste. The models demonstrated their ability to adapt to varying operational conditions, ensuring optimal energy use. A cost-benefit analysis showed that the hybrid models provided substantial energy savings and reduced operational costs, with a return on investment (ROI) of 30-35% within the first year of deployment. However, challenges such as computational complexity and data quality issues were identified, highlighting the need for further refinement in model development.

Lukman Medriavin Silalahi; Safrizal Safrizal; Erick Fernando; Hayadi Hamuda; Ribut Julianto +1 more

International Journal of Engineering and Applied Science 2025 International Forum of Researchers and Lecturers

Aquaculture is a vital sector in global food production, providing essential protein sources. However, the industry faces significant challenges, including high energy consumption and environmental impact. The integration of renewable energy, particularly solar power, with automation and IoT systems offers a promising solution to enhance energy efficiency, sustainability, and productivity in aquaculture operations. This study aims to evaluate the effectiveness of solar powered autonomous systems in reducing energy usage, improving operational efficiency, and promoting environmental sustainability in aquaculture. Literature Review: Recent research has explored various technologies, such as Digital Twins (DTs) and Precision Fish Farming (PFF), which integrate IoT sensors for real time monitoring and optimization of fish farming operations. The combination of Artificial Intelligence (AI) and the Internet of Things (IoT), known as AIoT, has further advanced the industry by enabling automated decision making and predictive analytics. Solar power integration with IoT systems has been shown to significantly reduce operational costs, minimize carbon emissions, and enhance the sustainability of aquaculture practices. These advancements have the potential to address the challenges of energy consumption and environmental degradation in the industry. Materials and Method: This research utilizes a hybrid solar powered IoT system for aquaculture, integrating solar panels, IoT sensors, and automated control systems. The system monitors key water quality parameters, such as pH, dissolved oxygen, turbidity, and temperature, to maintain optimal conditions for aquatic life. Data is collected through IoT sensors and analyzed through a cloud-based platform. A pilot study is conducted on a small scale aquaculture farm to evaluate the system's performance, including energy consumption, water quality management, and fish health. Energy savings, operational efficiency, and environmental impact are assessed. Results and Discussion: The integration of solar powered IoT systems significantly reduced energy consumption compared to traditional systems, with a notable decrease in grid electricity reliance. The system successfully maintained optimal water quality conditions, enhancing fish health and growth. Solar powered systems proved reliable, even in regions with variable sunlight, and demonstrated improvements in operational efficiency through automation. The environmental benefits were evident, with a reduction in carbon emissions and lower operational costs. The study highlights the feasibility of solar powered IoT systems as a sustainable solution for modern aquaculture operations.

Amalia Marliani; Iwan Setiawan

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The purpose of this study is to analyze how the implementation of the mudharabah contract in mudharabah savings products at BPRS HIK Parahyangan. This study uses a qualitative approach with data collection techniques in the form of in-depth interviews with the bank and direct observation of the operational process, as well as documentation of relevant secondary data. The main focus of the study is to examine the implementation of the principles of mudharabah and the profit sharing system applied in the savings product. The results of the study indicate that BPRS HIK Parahyangan has implemented the mudharabah contract in accordance with sharia principles. The bank acts as mudharib (fund manager), while the customer acts as shahibul maal (fund owner). The profit sharing system is determined based on an initial agreement and is distributed transparently based on the actual income obtained from fund management. This study is expected to improve the understanding and practitioners of sharia banking regarding the implementation of the mudharabah contract in banking products. In addition, the results of this study also contribute to the development of sharia financial literature and practices in Indonesia.

Jesica Carolina; Septania Adut; Helena Regalia Ujabi; Sarmauli Sarmauli

Sukacita : Jurnal Pendidikan Iman Kristen 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

The Protestant Reformation had a significant impact on the development of Christian theology, especially in the field of Christology. This study aims to examine the thoughts of Martin Luther and John Calvin regarding the role of Christ in the process of human salvation. The method used is a qualitative approach with a literature study technique, which examines the theological works of the two Reformers. The results of the study show that Luther emphasized the personal relationship between humans and Christ as savings, as well as the real presence of Christ in the sacrament as a form of God's grace that can be experienced personally. Meanwhile, Calvin developed the concept of three placements of Christ as prophet, priest, and king which emphasized the overall role of Christ in salvation, and viewed the sacrament as a spiritual means to strengthen the faith of believers. Through this study, it can be concluded that Christology in the Reformation tradition provides a strong, systematic, and relevant theological basis for the development of contemporary Protestant teachings, both in doctrinal aspects and the practice of life of faith.

Syarifudin Yuus

Jurnal Riset dan Publikasi Ilmu Ekonomi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Descriptive research involving 75 Gen Z on Gen Z's concerns about their parents' economic and financial conditions in retirement concluded that 86.7 percent of Gen Z were worried about their parents' economic and financial conditions in retirement, while 13.3 percent of Gen Z were not worried. As many as 66.7 percent of Gen Z were not sure that their parents would be financially free in old age, while 33.3 percent of Gen Z were sure that their parents would be prosperous in retirement. The implication is that if Gen Z is already working and is forced to help their parents' economy, then 53.3 percent of Gen Z are willing to help their parents' retirement by 10% of their salary. This means that 1 in 2 Gen Z are only willing to set aside 10% of their salary to help their parents in retirement. As a solution to Gen Z's concerns about their parents' economic conditions during retirement, ways to overcome this include: 1) the need to have sufficient retirement savings, 2) maintaining health so that it does not decline during retirement, 3) avoiding a consumptive lifestyle, 4) not depending on their children, and 5) avoiding the occurrence of a sandwich generation.

Laura Aulia Rosaline

Birokrasi: JURNAL ILMU HUKUM DAN TATA NEGARA 2025 Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

This research aims to find out the factors that caused the bankruptcy of PT Sritex and to find out the impact caused by the closure of PT Sritex as of March 2025. The research method used in this research is the normative method with reference to Law Number 37 of 2004 concerning Bankruptcy and Suspension of Debt Payment Obligations. The results showed that there were several factors that caused the bankruptcy of PT Sritex, namely unmanageable debt, the failure of the peace agreement, and the covid-19 pandemic which caused losses to PT Sritex. After being declared bankrupt by the Semarang Commercial Court, the creditors' meeting in bankruptcy agreed that there was no going concern for PT Sri Rejeki Isman (Sritex), so that the next process continued to debt settlement. Therefore, the impact caused by the closure of PT Sritex, namely the impact on PT Sritex employees, the textile industry, and PT Sritex creditors.

Juaniva Sidharta; Carla Sucita; Elva Rohani Alya

Jurnal Pengabdian Masyarakat Indonesia Sejahtera 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

The community service activity with the theme “Avoid Online Loans, Strengthen Family Financial Independence” aims to provide understanding and solutions related to family financial problems faced by the congregation of the Pasundan Christian Church Jakarta-Banten Klasis. In recent years, the rapidly growing phenomenon of online loans has had a negative impact on society, especially in terms of family financial management. Many individuals are trapped in a cycle of debt that burdens the family economy. Through this activity, we conveyed information about the risks and impacts of online loans, as well as the importance of wise and healthy family financial management. In addition, participants were also given practical training on financial planning, savings strategies, and alternative financial solutions that are safer and more effective. It is hoped that with this activity, congregations can increase awareness about the importance of healthy finances and avoid the trap of online loans, so that families can be more financially independent and live in prosperity. The KPEJ GKP program of the Jakarta and Banten clasis considers it important to bring back a positive step that can educate the congregation about the risks of online loans and how to overcome them, namely by strengthening family financial independence for GKP congregations.

Sifa Alfiana; Putri Amalia Syafitri; Rina Setiana

Journal of Information Technology and Computer Science 2025 International Forum of Researchers and Lecturers

KUD Plongkowati Timur is located at Jalan Godong-Karangrayung, Grobogan Regency, which apart from operating in the savings and loan business unit, is also a distributor of fertilizer products produced by PT. Petrokima Gresik and PT. Pupuk Sriwidjaja Palembang. In running the fertilizer distributor business unit at KUD Plongkowati Timur, the process of recording purchase and sales transactions is not carried out using an integrated system in the database, all data is still recorded conventionally by the administration section, while the administration section's computer functions to create reports which are copied from notes provided by cashier so that data security is not guaranteed because the database is not yet integrated. Based on the problems that exist in the East Plongkowati KUD, the author would like to propose a design of a Fertilizer Inventory application system to be taken into consideration in helping speed up the process of recording purchase and sales transactions and can provide the information needed by the East Plongkowati KUD, Grobogan Regency in the form of purchase reports, sales reports, reports. suppliers, customer reports. So the design of the fertilizer inventory information system uses the Microsoft Visual Basic 6.0 programming language with a database from Microsoft Access 2007 and the design of reports from Crystal Report 7. It is hoped that making this application can be one of the efforts that can be made to overcome problems that often occur so that it can increase work effectiveness which of course will have an impact on improving the quality of service to customers.

Muhammad Fadhel Ali; Alif Munazat; Muhammad Mirza Dwitama; Suseno Suseno

JURNAL ILMIAH TEKNIK INDUSTRI DAN INOVASI 2025 CV. ALIM'SPUBLISHING

Optimizing distribution routes is an important step for MSMEs in increasing operational efficiency and customer satisfaction. This research was conducted on Bolen Crispy Mak Tin MSMEs which face distribution challenges with routes that are not yet optimal, causing increased transportation costs and the risk of decreasing product quality. This research uses the Branch and Bound and Nearest Neighbor algorithms to solve the Traveling Salesman Problem (TSP) problem in determining efficient distribution routes. The results of data processing are optimal routes that have the minimum distance with a total distance of 282.5 KM with route P-1-2-7-4-5-6-3-0 for the branch and Bound algorithm and 239 km with route P- 2-3-4-5-6-7-1-P for Nearest Neighbor This result is more optimal when compared to the previous route, namely P-1-2-3-4-5-6-7-P with a distance of 291 km analysis shows that Method Nearest Neighbor is able to provide an optimal solution by minimizing travel distance and distribution costs, while the Branch and Bound algorithm also provides an optimal solution but is less efficient. and distribution cost efficiency from Rp. 570,320.9 to 565,511.36 or 0.84% ​​more savings for the Branch and Bound Algorithm and 540,795.45 or 5.18% more savings for Nearest Neighbor

Abalaka, J.N; Sulaiman T.H; Ajiteru,S.A.R

International Journal of Islamic and Economic Education 2025 International Forum of Researchers and Lecturers

With a focus on Nigeria specifically, this study examined the country's external debt and economic growth from 1985 to 2014. The underdevelopment of Nigeria is one of the study's main issues economy. Measuring how external debt affects the country's growth is one of the study's goals. According to the theoretical perspective, external debt is a tool of fiscal policy that closes the savings gap. The ex-post facto method of design was the research design employed in this study. With GDP as the dependent variable and multilateral debt, Paris Club debt, London Club debt, promissory notes, and other debt as the independent variables, the findings were analyzed using the ordinary least square multiple regression analytical approach. The hypotheses were tested using the Pearson correlation and the student T-test. All types of external indebtedness contributed to the GDP's development, according to the data analysis, the Pearson While the dependent variable had a direct link with the other independent variables, GDP had an inverse association with Paris Club debt and promissory notes, as described by correlation. In order to reject the null hypotheses and accept the alternative hypotheses, the tested hypotheses showed that each independent variable had a positive influence and was significant to the effect of the dependent variable. According to the study's findings, Nigeria's economic growth is significantly impacted by external debt, and as a result, better management of these borrowings is advised in order to achieve sustainable growth.

Moh. Nizar Khamdun

Merkurius : Jurnal Riset Sistem Informasi dan Teknik Informatika 2025 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

This study discusses the comparison of efficiency between Pulse Width Modulation (PWM) and Variable Frequency Drive (VFD) techniques in electric motor control. The background of this research is based on the importance of energy efficiency in industrial applications using electric motors. The aim of this study is to identify the advantages and disadvantages of each method in the context of energy savings and motor performance. The method used is a quasi-experimental design, where both techniques are tested on the same three-phase induction motor to compare power consumption and operational efficiency. The findings indicate that the use of VFD is significantly more efficient in reducing power consumption compared to PWM and provides better torque stability in the motor. The implications of this research suggest that the application of VFD can enhance energy efficiency and reduce operational costs, which is crucial for industries. This study is expected to serve as a reference for further development in electric motor control technology.

Muhammad Dzaky Maulana; Maulida Rahma; Adelia Safitri; Siti Aisyah

Nusantara: Jurnal Pengabdian kepada Masyarakat 2025 Pusat Riset dan Inovasi Nasional

This study aims to describe in depth the implementation of financial education in fostering a habit of saving among fourth-grade students at SD Negeri 121313 Tanjung Pinggir, Pematang Siantar. This activity is part of the Community Service Program (KKN) conducted by students of the State Islamic University of North Sumatra (UINSU). This study uses a descriptive qualitative method with data collection techniques through observation, interviews, and documentation of learning activities and the implementation of the savings program at school. The data obtained was then analyzed using the Miles and Huberman model, which includes the process of data reduction, data presentation, and interactive conclusion drawing. The results showed that the implementation of financial education by UINSU KKN students had a positive impact on changes in students' financial behavior. This financial education activity not only fostered financial skills but also shaped students' characters to be more responsible, disciplined, thrifty, and socially empathetic by encouraging them to share some of their savings. Thus, it can be concluded that the implementation of simple habit-based financial education through UINSU KKN activities has proven effective in fostering interest and enthusiasm for saving among elementary school students and contributes to shaping positive character traits that will be useful in their future lives.