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In this research, carried out with the aim of finding out how financial literacy and income influence investment decisions in UMKM in Muara sabak barat District, East Tanjung Jabung Timur. This research uses a descriptive quantitative method and the data analysis method used is multiple linear regression. The sample used in this research was 30 UMKM. The results of the research show that partially financial literacy has a positive and significant influence on the investment decisions of UMKM actors and income has a significant influence on the investment decisions of UMKM actors. Simultaneously Financial Literacy and Income have a positive and Significant influence on Investment decisions of UMKM players. The resukts of calculating the coefficient of determination show that financial literacy and income on investment decisions have an influence of 55.4% and the remaining 44.6% is influenced by other variables outside this search.

Implementation of Real Work Lectures is one manifestation of the Tri Dharma of Higher Education, namely empowerment and community service. On this occasion the author carried out Real Work Lecture activities in Tanjung Gusta Village with the main program headline being the socialization of financial literacy to micro, small and medium business actors, especially fish cracker or jangek cracker business actors. The approach used consists of three methods, namely observation, interviews and documentation. The main work program implemented was visiting business actors making skin crackers to socialize about financial literacy and digital promotion. Then the author also held two supporting work programs, namely the socialization of financial literacy education and sharia investment, the main focus of which was on education about investment and financial management and the second was the implementation economic market day for elementary school students with the aim of cultivating students' talents and interests in the field of entrepreneurship. Both the main and supporting work programs were carried out well and without significant obstacles due to support from Tanjung Gusta Village officials, the community and fellow students who worked together to make the work program successful.

This study aims to identify and analyze the strategies for strengthening Micro, Small, and Medium Enterprises (MSMEs) and sharia financial literacy in Tanjung Gusta Village through the implementation of digital promotion. The village has many untapped MSME potentials, with major challenges in market access and sharia financial understanding. Digital promotion and sharia financial literacy training were provided to business owners to enhance their ability to expand market reach and manage finances according to sharia principles. The research method used includes observation, in-depth interviews, and case studies. The results indicate that the implementation of digital promotion through social media significantly increased MSME product visibility, while sharia financial literacy helped business owners improve financial management, reduce consumptive behavior, and avoid financial risks that are not aligned with sharia principles. This strategy is considered effective in strengthening MSMEs and empowering the community in a sustainable manner.

This outreach program aims to increase financial literacy among Generation Z students at Satrya Budi Trade Vocational School through the introduction of simple financial reports and entrepreneurship. In the digital era which is characterized by easy access to information, understanding personal financial management and entrepreneurship is very important. This activity involves interactive presentations, financial recording simulations, and group discussions to provide hands-on experience to students. The evaluation results showed an increase in students' understanding of financial and entrepreneurship concepts, with participants being successful in answering evaluation questions well. With this program, it is hoped that students can develop the skills needed to manage finances and start a business in the future.

This study aims to analyze the influence of Islamic financial literacy on customer decisions in choosing Islamic vehicle installments in Indonesia. Using a quantitative approach, a survey was conducted on several respondents in five major cities in Indonesia. The results showed that the level of Islamic financial literacy has a significant positive influence on customer preferences for choosing Islamic vehicle installments. Logistic regression analysis revealed that every one-point increase in the Islamic financial literacy score increases the odds of choosing Islamic vehicle installments by 4.9%. Demographic factors such as age, education, and income also have a significant influence. These findings highlight the importance of efforts to improve Islamic financial literacy as a strategy to encourage the adoption of Islamic financing products. Practical implications include the need for targeted education programs, improved product communication, and innovation in the development of competitive Islamic financing products.

The Economic Literacy Development Program for Maryke Village aims to improve community welfare through the utilization of local resources, particularly in managing small businesses like broomstick production. The community’s limited understanding of economic literacy has hindered their ability to manage finances and optimize local economic potential. This research employs a qualitative methodology with a participatory approach, collecting data through observations, in-depth interviews, and group discussions with the community and local stakeholders. The results indicate that the program successfully enhanced the community’s understanding of economic literacy, particularly in financial management and business planning. Participants of the program began to manage household budgets, save regularly, and develop local resource-based businesses. Increased productivity and income were observed in the broomstick production business after the training. The program not only improved the community's awareness of the importance of economic literacy but also encouraged them to use local resources more effectively and sustainably, leading to a positive impact on their welfare.

Financial management is a key aspect in achieving financial well-being of the community. However, the level of financial literacy in Indonesia is still low, requiring education and development of financial literacy to reduce ineffective financial decisions. The Financial Services Authority (OJK) and Universitas Gadjah Mada (UGM) are actively encouraging the improvement of financial literacy, with a focus on education, national campaigns, strengthening infrastructure, and developing affordable financial service products. Financial literacy, which includes knowledge, understanding, skills, and motivation in making financial decisions, has a positive impact on financial management behavior. Individuals with higher levels of financial literacy tend to make better financial decisions, avoid investment fraud, and understand the principles of financial planning. However, income also plays an important role as a moderator, influencing the relationship between financial literacy and financial management. Individuals with low incomes tend to have lower financial literacy, which can affect their financial management practices. Therefore, challenges such as behavioral bias and external factors can affect financial literacy and its management implementation.

Community Service (KKN) in Perkebunan Maryke Village, Kutambaru District, Langkat Regency, was carried out by students of the Muhammadiyah University of North Sumatra from 12 to 27 August 2024. This program aims to improve the financial literacy of the community and optimize the potential of the broomstick MSME which is the main source of income for village residents. Through MSME mentoring activities, students conduct value chain analysis to improve production efficiency, product innovation, and more effective marketing strategies. This mentoring aims to increase the competitiveness of MSMEs and shorten distribution channels to a wider market. In addition, the financial literacy program in collaboration with Bank Sumut is also provided through workshops to teach the community, especially the younger generation, about the importance of saving, financial planning, and personal budget management. The results of this activity show an increase in community understanding of financial literacy and MSME management, as well as the creation of new innovations in broomstick products. This activity not only has an impact on increasing residents' income, but also strengthens social cohesion and sustainable village economic development. This program is expected to be a model for community empowerment in other rural areas.

Micro, Small and Medium Enterprises (MSMEs) are the supporting sector of the country's economy and are able to survive in any conditions, including when the economic crisis hits. MSME business development is very necessary so that performance can always be improved and business continuity can be maintained. The results of a preliminary survey on MSMEs in Semarang City show that the average financial performance of MSMEs is still fluctuating (up and down). Based on phenomena and research gaps (developing) research by adding financial literacy variables. The object of this research was carried out on MSMEs in Semarang City with a final sample size of 144 using the cluster random sampling method (per sub-district). The analysis tool uses a regression equation test with a mediation test using the Sobel test. The research results show that the variables fintech, financial literacy, financial inclusion of MSMEs and MSME performance in Semarang City have sufficient values ​​in the interval 2.33 to 3.65, with MSME performance with the highest average. The fintech and financial literacy variables have been proven to have a positive and significant effect on the financial inclusion of MSMEs in Semarang City. Fintech, financial literacy and financial inclusion of MSMEs have proven to influence the performance of MSMEs in Semarang City. MSME financial inclusion has been proven to mediate the influence of financial literacy on MSME performance in Semarang City, however, financial inclusion has not been proven to mediate the influence of fintech on MSME performance.

MSMEs play a crucial role in the economy. However, the performance of MSMEs is often not optimal due to various challenges, such as limited access to financing, lack of financial literacy, and high dependence on government policies. This study aims to analyze the effect of financial literacy and government policies on the performance of MSMEs in Depok City. A quantitative research design was applied in this study. Primary data were obtained from the results of a questionnaire distributed to 100 selected MSME actors using the accidental sampling method. Data collection was carried out in August - September 2024. Data analysis used the Smart Partial Last Square (PLS) 4 program which includes measuring the outer model and inner model. In testing the outer model, convergent validity, discriminant validity, and composite reliability tests were carried out. In testing the inner model, an evaluation was carried out on multicollinearity, R-squared, goodness of fit, F Square, and path coefficients. The results of the study showed that both financial literacy and government policies had a positive effect on MSME performance, but were not statistically significant. The results of this study imply that financial literacy and government policies need to be improved in terms of implementation and relevance to provide a more tangible impact on MSME performance. Financial literacy programs and policies need to be more tailored to the specific needs of MSMEs and supported by ongoing support to have a significant impact.

Community economic empowerment is a strategic step in improving welfare and economic independence, especially in areas rich in local resources. Economic literacy plays a crucial role in this process, as it provides communities with the knowledge and skills to understand and manage resources efficiently and sustainably. This article examines efforts to empower communities economically through the enhancement of literacy and the management of local resources. With an economic literacy approach that covers aspects of financial management, business operations, and marketing, communities can maximize the potential of local resources to create added economic value. This study highlights various forms of local resources, such as agricultural products, fisheries, and handicrafts, and their potential to drive local economic growth. The analysis shows that good economic literacy not only improves the community's ability to make informed economic decisions but also contributes to poverty reduction and overall improvement in the quality of life. Therefore, empowerment through literacy and local resource management is key to achieving inclusive and sustainable economic development.

Students are equipped with the knowledge necessary to acquire the skills they will obtain after completing their education through the use of various facilities, learning resources and learning methods that are in line with their abilities, and are expected to be able and willing to face life. With basic knowledge and comprehensive financial insight, students are expected to be able to manage their finances appropriately and wisely and determine policies to prevent financial problems. It is believed that students' personal financial management can be influenced by financial literacy, financial self-efficacy, and fintech payments. The aim of this research is to determine the influence of financial literacy, financial self-efficacy, and fintech payments on students' personal financial management among FEBI UIN STS Jambi students. This research was carried out using a quantitative descriptive approach and carried out direct observations in the field. The research results obtained are that there is a positive and significant influence of the variables financial literacy (X1), financial self-efficacy (X2), and fintech payments (X3) on students' personal financial management (Y). And the influence of the variables sharia financial literacy, financial cell efficacy and fintech payments on students' personal financial management has an influence of 71.9% and the rest is influenced by other variables from outside this research.

The development of culinary MSMEs in Banjarsari District, Surakarta City has developed rapidly, but the increase in the number of culinary MSMEs in Banjarsari District, Surakarta City is not necessarily followed by an increase in the financial performance of these MSMEs  This study aims to find out and analyze the influence of financial literacy, financial technology, entrepreneurial orientation, and innovation towards the financial performance of culinary MSMEs in Banjarsari District, Surakarta City. Data collection in this study uses a questionnaire distributed to respondents. The sample in this study amounted to 95 culinary MSMEs in Banjarsari District, Surakarta City with the type of sampling, namely purposive sampling with the consideration that the MSMEs have been running for at least 2 (two) years. The analysis methods used in this study are descriptive analysis, multiple linear regression analysis, t-test, F test (model accuracy test), and determination coefficient test (R2).  The results showed that the determination coefficient (adjusted R Square) is 0.548. Means This means that the amount of contribution of the influence of the independent variable X1 (financial literacy), X2 (financial technology), X3 (entrepreneurial orientation) and X4 (product innovation) towards Y (performance finance) by 54.8%. The rest (100% - 54.8%) = 45.2% is influenced by other variables outside the model such as the work environment, company size, market competitiveness, operational costs, working capital, etc.

The objective of this community service activity is to enhance the knowledge of residents in Menur Pumpungan Village, Surabaya, regarding business financing, financial management, and business legality. Micro, Small, and Medium Enterprises (MSMES) play a crucial role in the national economy. However, challenges faced by MSMEs, such as limited capital, low financial literacy, and legal issues, often hinder business growth and sustainability. Many MSMES do not yet have a Business Identification Number (NIB) for their operations, and some are even unaware of what an NIB is and its benefits. The methods used include socialization, training, and mentoring. The results of this activity show that 81% of residents understand how to improve the management and legality of their businesses to enhance their market value. The community in Menur Pumpungan Village is able to conduct field surveys to assess conditions and gather data and information related to business issues after consulting with the socialization team. The socialization and mentoring team provided appropriate solutions to partners. However, during the evaluation, 19% of residents/business owners still do not understand the KUR program, and some believe that access to KUR is difficult due to its complex procedures.

Indonesian School of Kuala Lumpur (SIKL) is an educational institution under the auspices of the Indonesian Embassy in Malaysia. SIKL serves as a school for the children of Indonesian migrants residing in Malaysia. It plays a strategic role and stands at the forefront of educational diplomacy in Malaysia, contributing to the development of Indonesia’s human resources. To keep pace with the rapid advancements in education, science, and the waves of globalization and modernization, SIKL continually strives to achieve excellence in education quality, including the quality of its teaching staff, facilities, output, and all supporting components of the learning process, both within and outside the school environment.The financial literacy activities for children aim to broaden students' knowledge in managing finances from an early age. This community service initiative seeks to introduce financial literacy to Indonesian immigrant children, aged between 5 and 15 years, who lack access to formal education and healthcare. The session is structured around the use of the Monopoly board game, an engaging tool designed to teach basic financial concepts interactively. The outcomes of this session were encouraging and enlightening, highlighting the children's enthusiasm and desire to learn despite their challenging circumstances

A foundation is a non-profit organization operating in the fields of religion and education, with its primary funding coming from public donations in the form of alms and charity. Although it is not intended to generate profit, a foundation must still address financial aspects and prepare financial reports in accordance with applicable standards to ensure accountability to the public. Good financial management involves budgeting, cash flow management, expense oversight, transparent financial reporting, and financial report analysis. The main issue faced by Yayasan Cipta Solo Berbagi is ineffective financial management, with financial reports being simple ledgers and not compliant with ISAK 35 standards. The Pustapako community service team collaborated with Yayasan Cipta Solo Berbagi to address this issue through a series of activities, including focus group discussions (FGDs), training, and the implementation of a web-based accounting information system. The results indicate that by applying appropriate accounting standards and using a suitable accounting information system, the foundation can produce more transparent, accurate, and comprehensible financial reports. The foundation's management now has improved capabilities in financial management, enhancing donor and public trust. This program also opens opportunities for similar programs in the future with more in-depth material and long-term support programs for foundations.  Keywords: Non-profit foundation, financial management, financial reporting, ISAK 35, accountability, accounting information system, training, community service

In line with the development of higher information technology, resulting in people easily accessing all information, especially in shopping online, investing online, making online loans and gambling online, this certainly requires strong household financial management. Conducting digital financial literacy education in the community is one solution to reduce the impact of errors due to improper management and to reduce the gap between understanding financial literacy and financial inclusion in the community. With the delivery of digital financial literacy education, it is hoped that the community will be able to manage household finances wisely.

This article explores the role of digital transformation in enhancing financial inclusion through Islamic banking, focusing on community digital education and literacy. The primary objective of this research is to empower communities with the necessary knowledge and skills to safely and effectively utilize digital Islamic banking services. This community service program was implemented through training, mentoring, and evaluation designed to increase understanding of Islamic fintech. The findings demonstrate a significant improvement in the comprehension and use of digital Islamic banking services, particularly in previously underserved areas. The study also highlights the importance of collaboration with local Islamic financial institutions to ensure that digital transformation can be inclusively implemented. This article is part of a broader effort to support the National Digital Economy Framework, emphasizing the importance of Islamic banking strategies in strengthening Indonesia's financial system and creating an inclusive and sustainable fintech ecosystem.

This study aims to determine the effect of financial literacy, financial behavior, locus of control, and demographic factors on investment decisions. This research is quantitative type. The population in this study were tutors of Alhimni Education Center (AEC), Ngoro Mojokerto, totaling 39. The sampling technique used non-probability sampling method with saturated sample technique. Data collection techniques in this study using primary data, the instrument in this study using a questionnaire through google form with measuring instruments in the form of a Likert scale and ordinal scale. The analysis technique used in this research is descriptive statistical analysis, data quality test, classical assumption test, multiple linear regression analysis test, t test, F test and coefficient of determination with the help of SPSS software program version 22. The results showed that financial literacy, education had an effect on investment decisions, while financial behavior, locus of control, and income had no effect on investment decisions.

The purpose of this study is to determine and test the effect of gold price fluctuations, financial literacy and income on gold investment decisions, on research subjects (respondents), namely members who are members of the minigold distributor agent in Demak City. This type of research is quantitative research, using primary data. The primary data collection instrument used a questionnaire (Google form) in an online survey aimed at respondents, via a smartphone. (respondents fill in/check one of the answers that are considered the most appropriate. The scale used in the questionnaire is the Likert scale, to measure the opinions/perceptions of respondents. The population in this study were all members of the minigold distributor agent in Demak City. The sampling technique was saturated sampling or census, namely the entire population was part of the sample. The dependent variable of this study was Gold Investment Decisions, while the independent variables were Gold Price Fluctuations, Financial Literacy and Income (respondents). The analysis method used was Multiple Linear Regression. The results of the study are as follows: 1) Gold price fluctuations do not affect gold investment decisions, 2) Financial literacy has a positive and significant effect on gold investment decisions, and 3) Income has a positive and significant effect on gold investment decisions