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This study aims to determine: (1) The Effect of Promotion on Customer Saving Interest at Bank Muamalat Kab. Kolaka (2) The Effect of Service Quality on Customer Saving Interest at Bank Muamalat Kab. Kolaka This research uses an approach with Quantitative methods, Data collection in this study using Observation, Literature Study and Questionnaire Distribution. The population of this research is customers and prospective customers who are in Kolaka Regency. While the sample of this study amounted to 98 people. Testing this research instrument using the Validity Test and Reliability Test with SPSS 25.0. The data analysis technique used in this study is the measurement model test (outer model) and structural model testing (inner model) with Smart PLS 4.0.Based on the results of the study, it is known that there is a positive and significant influence between the Promotion variable on Saving Interest, which is indicated by a t-statistic value of 6,100 with a P-Value of 0.000 and the Service Quality variable also has a positive and significant effect on Brand loyalty, which is indicated by a t-statistic value of 2,042 with a P-Value of 0.021.

The aim of this research is to determine the role of IB Makbul smart savings in increasing DPK, which is located at PT Bank Sumut Capem Syariah HM Joni. The research uses quantitative methods. The population of this research is all employees at Bank Sumut CAPEM Syariah HM JONI Medan, totaling 13 people. The sampling technique in this research was to use a saturated sampling technique (total sampling). Based on the results of the Kendall's Tau B test above, the significant value is 0.114 > 0.05 which indicates that the relationship between the Smart Ib Makbul savings variable and the third party funds (DPK) variable is not significant or in other words there is no/sufficient relationship between the variables. The three interpretations in the Kendall's Tau-B correlation test above, a conclusion can be drawn that "the relationship between Smart Ib Makbul savings and third party funds (TPF) is not significant, sufficient, and in the same direction.

The habit of storing the harvest in the form of nutmeg is something that has become a culture among the people of Morela village, Leihitu District, Central Maluku Regency. This research will examine theoretically the economic variables that influence the storage of dry nutmeg seeds by farming households. To analyze the relationship between variables that cause savings choices, an inter-time model is used. The choice is based on the meaning of the present and future times. If the present time is more meaningful then farmers will sell the nutmeg seeds they have and conversely if the future time is more meaningful it will increase the amount of nutmeg savings. The variables included in this research are relative price variables, current income and future income. This research uses primary data through interviews and questionnaires. The samples taken based on the purposive random sampling method were 75 farmers in Morela village. To analyze the magnitude of the influence of the independent variable on the dependent variable, cross-section regression was used using the Eviews tool. The results of the research show that the price variables at harvest, the estimated future price of cloves, and future consumption influence the clove savings of farmer households.

This study aims to examine the effect of corporate social responsibility and capital intensity on tax evasion by using research samples of mining sector companies listed on the Indonesia Stock Exchange in 2019 - 2020. The taxes levied by the state function as the main source aiming to finance public expenditures and function as a tool to regulate and implement policies in the social and economic fields and to be used for the greatest prosperity of the people and the people. The phenomenon of tax avoidance in Indonesia can also be seen from the tax ratio (Tax Ratio). Tax collection performance can be seen from the ratio of taxes collected by the state. Tax avoidance is a saving on the amount of tax payable, individual and corporate taxpayers use the weak points of existing tax rules, in carrying out their tax management. Tax avoidance is also associated with tax planning, both of them use legal means to reduce or even eliminate tax obligations, but from a tax policy point of view, neglecting tax avoidance practices can result in injustice and reduced efficiency of a tax system. . The results obtained from this study are that corporate social responsibility has a negative effect on tax evasion. Meanwhile, capital intensity has no effect on tax evasion. This study uses a quantitative approach. This test is done with linear regression

The purpose of this study was to determine the effect of gold price fluctuations, promotions, and manual gold investment risks on public interest in gold savings products at PT Pegadaian UPC Purwosari (Study on Communities in Purwosari District). This type of research is a quantitative research. The population in this study is the community in Purwosari District. The sample in this study amounted to 400 respondents and the sampling technique used purposive sampling with several criteria for respondents who lived in Purwosari District, were not yet customers and did not have a gold savings product at PT Pegadaian UPC Purwosari, and were over 17 years old. Source of data in this study is sourced from primary data. Data collection techniques used by distributing questionnaires. The analytical tool used is multiple linear regression analysis. The results of this study indicate that fluctuations in the price of gold have a positive but not significant effect on people's interest in gold savings products, promotions have a positive but not significant effect on people's interest in gold savings products, and investment risk has a positive and significant effect on people's interest in gold savings products. Fluctuations in gold prices, promotions, and investment risks affect people's interest in gold savings products.

This study aims to investigate the Effect of Sharia Financial Literacy on the Decision to Choose BMT Rukun Abadi Saving Products. This case study focuses on members of BMT Rukun Abadi Cooperative, which is a sharia-based financial institution in Indonesia. Islamic financial literacy is an important factor in encouraging the growth and development of the Islamic financial system. The research method used is a quantitative approach by distributing questionnaires to members of the BMT Rukun Abadi Cooperative. This questionnaire was designed to measure the level of Islamic financial literacy of the members as well as evaluate the decision patterns for choosing deposit products at BMT Rukun Abadi. The results showed that Islamic financial literacy has a significant influence on the decision to choose deposit products at BMT Rukun Abadi. Members of BMT Rukun Abadi Cooperative who have a higher level of Islamic financial literacy tend to be better able to understand the characteristics and benefits of Islamic savings products, so they can make more informed and effective decisions. These findings provide important implications for BMT Rukun Abadi in improving Islamic financial literacy services and education to its members. By improving Islamic financial literacy, members will be more engaged and involved in utilizing the Islamic savings products offered by this financial institution, thus supporting the growth and sustainability of the Islamic financial system in Indonesia.

A gift is a present made voluntarily by someone to another person without compensation or expecting anything in return except to get closer to Allah SWT, which results in the transfer of ownership from the giver to the person given. Giving gifts is a natural thing in deposits in Islamic financial institutions that use the wadi>`ah yad d}ama>nah contract. Therefore, this study analyzes the giving of prizes to Simjakasya products with prizes at the beginning based on the DSN-MUI Fatwa Number 86/DSN-MUI/XII/2012 concerning Prizes in Fundraising for Islamic Financial Institutions at BMT NU Ngasem, East Java. This research is a type of field research using qualitative methods. The data sources used are ptimer data sources and secondary data sources. Methods of data collection by way of observation, interviews, and documentation. The research location is at BMT NU Ngasem, East Java. The results of this study indicate that the concept of giving gifts in Simjakasya products with early prizes at BMT NU Ngasem, East Java, there are several things that conflict with the DSN-MUI Fatwa Number 86/DSN-MUI/XII/2012 concerning Prizes in Fundraising for Islamic Financial Institutions. These things are the types of gifts that have been determined and promised beforehand, as well as the custom of BMT to use this concept in every transaction which is a form of custom.

This study aims to find out the students of UIN SMH Banten in Islamic Banks. Questionnaires were distributed to 32 FEBI students at UIN SMH Banten, Serang City. The collected data were analyzed using descriptive and inferential statistics.  Based on the data obtained, it is known that the variables of bank reputation and beliefs influence the interest in saving for UIN SMH Banten students in Islamic banks. The purpose of this study is to analyze the interest of FEBI students at UIN SMH Banten in saving at Islamic banks. This research is quantitative descriptive research using primary data. The variables used in this study consist of bank reputation and trust as independent variables and interest in saving students as the dependent variable. The data collection method uses by providing questionnaires. The method used in this research is descriptive analysis.The results of the study show that the difference between men and interest in savings in Islamic banks is significantly different.    

In Indonesia in particular, SCADA has been recognized and started to be implemented in electric power system control since the early 1980s. In other more developed countries, the application of SCADA is growing along with developments in computer and telecommunications technology. At a time when the development of SCADA was not as sophisticated as it is now, there was an idea to make it easier to maneuver, namely in a simple network system using SCADA we can supply additional power or do power outages easily so that the overload does not occur. After implementing the SCADA system there are less time and frequency savings compared to before implementing the SCADA system. This means that the SCADA reliability index is much better after implementing the SCADA system..    

This study aims to pinpoint the variables that affect how people make financial decisions in the future. Future financial decisions, saving choices, and trust in banking institutions are the three variables we use in this study. 197 junior high school teachers from the Bandung region participated in the study. Multivariate Regression is the analytical approach used, and it can be used to assess the influence of independent variables on dependent variables. The results demonstrate a strong positive relationship between current saving decision variables and future financial decision variables. Similar to this, varying levels of trust in financial organisations have a lot of favourable effects. These findings imply that people have a greater propensity to save when they are motivated to do so. People who have confidence in financial institutions will manage their money prudently going forward.    

In the world of banking in Indonesia, Islamic banking is a type of activity based on sharia principles that is free from usury. Unlike conventional banks which use interest in collecting and channeling funds, Islamic banks use financing as a contract. In conventional and Islamic banking there are differences in terms of banking operations. Therefore, this study aims to analyze the effect of knowledge, reference groups, and consumer motivation on customers' reasons for saving at Bank Syariah Indonesia, South Jakarta. The approach used in this research is a quantitative approach. The quantitative approach aims to determine the magnitude of the analyzed variables. The results of the study show that the knowledge variable and the consumer motivation variable do not have a significant influence on a person's decision to save at Bank Syariah Indonesia. Meanwhile, the reference group variable has a significant influence on a person's decision to save at Bank Syariah Indonesia, so that simultaneously high and low knowledge, reference group, and motivation if simultaneously have an influence on customers to save at Bank Syariah Indonesia.

The existence of organizations such as Islamic financial institutions that help improve the welfare of society according to their function, namely saving money and providing loan assistance for business capital and comsumtions. There are various types of LKM, one of which is cooperatives. This study aims to determine the..influence of social factors and./personal factors on people’s decisions to use the services of KSU Surya Muhammadiyah, either partially or simultaneously. This Study used a quantitative method using 50 samples taken by purposive sampling method from the KSU Surya Muhammadiyah customer population. Data collection technique were interviews, observation, questionnaires, and documentations. Then, the questionnaires were tested with validity and reliability tests to ensure the accuracy of the questionnaires. Furthermore, classical asumption tests and hypothesis tests were carried out including multiple,,linearregression tests, the coefficient of determination (R2), t-tes, .and F-test. The results of this study are as.follows: (1) social factors have effect on people’s decitions to use services of KSU Surya Muhammadiyah, with a t .count of 2,254 while .t table of 2,012 or t count < t table..and a significance level of 0,026 > 0,05. (2) personal factors influence people’s decitions to use the services of KSU Surya Muhammadiyah, with a t count of 3,093 while t table is 2,012 or tcount > t table and asignificance level of 0,003 < 0,05. (3) social and personal factors simultaneously influence the community’s decition to use the services of KSU Surya Muhammadiyah. Where the sigvalue is 0,000 < 0,005 and F count is 79,385 > F table 3,20. It can be concluded fromthe test results, namely: (1) H1 is accepted,,and H0 is rejected, (2) H2 is a accepted and H0 isrejected, (3) H3 is accepted and H0 is rejected. If the number of customers decreases, it is necessary topay attention tothese factors anything that can influence customer interest in choosing at KSU Surya Muhammadiyah Pematang Kolim Village

 In Indonesia, there must be a business entity that plays a role in creating an advanced, just and prosperous society, which prioritizes mutual welfare, and a form of business called a cooperative.  One of the cooperative performance indicators that is important to analyze is the remaining results of operations, which can be used as a source of income for the cooperative and its members.  Through this analysis, it is hoped that detailed and comprehensive information can be obtained regarding the performance of cooperatives in the province of East Java, especially in terms of remaining operating results.  This information can be used as a reference for cooperatives and the government in formulating more appropriate strategies and policies in developing cooperatives in the region, as well as encouraging more inclusive and sustainable economic growth.  In the economic structure of this province, there are two types of cooperatives that play an important role, namely sharia cooperatives and conventional cooperatives.  One of the provinces in Indonesia that has a large number of cooperatives is East Java.  Such as consumer cooperatives, savings and loan cooperatives, agricultural cooperatives, farmer cooperatives, fishing cooperatives, credit cooperatives, producer cooperatives, and a large number of other types of cooperatives are among the many types of cooperatives.  In East Java, there are various cooperatives that have succeeded in increasing the welfare of members through good and efficient business management.  Apart from own capital, there is also capital from outside the cooperative which affects the SHU level in East Java Province.

The Intergovernmental Panel on Climate Change (IPCC) warns that there are only 12 years left or until 2030 to prevent extreme climate disasters that occur due to global warming (Global Warming). One of the triggers for global warming is air pollution triggered by the large emissions of global greenhouse gases (GHGs). Efforts to reduce the amount of greenhouse emissions emitted by large-scale buildings or civil buildings are to apply the Green Building concept. The research design in this study is survey research with the expost facto method. The research instrument uses tests and questionnaires to answer the research hypothesis, with data analysis techniques using the Paired Sample T Test test to measure the impact of the green building concept on learning outcomes and a simple linear regression correlation coefficient to measure the effect of green building concept learning on energy-saving attitudes. From the results of the Paired Sample t test, a value of t = 0.525 was obtained, because the value of t>0.05 then the Ha hypothesis can be accepted, so there is a significant influence on learning using the green building concept with the learning outcomes of class XI students specializing in social studies at SMAN 3 Jember. As for the results of the simple linear regression correlation coefficient test, the results of which there was a significant influence on learning the green building concept with a water and electricity energy-saving attitude of class XI students specializing in social studies at SMAN 3 Jember.    

Gold Savings is a gold balance deposit service that makes it easier for people to invest in gold savings. Gold savings are one type of investment that is in great demand by the public. This study aims to determine whether or not there is an effect of income, knowledge and quality of service on customer interest in saving gold. This research method is quantitative with multiple linear regression analysis as the analysis tool. The population in this study was 336 respondents, the sample was determined using the slovin formula, the sample in this study was 77 respondents and this research was conducted on customers of the Sharia Pawnshop Unit of UIN Sulthan Thaha Saifuddin Jambi. The results of this study indicate that the results of the F-test of income, knowledge and service quality variables together have a significant effect on customer interest in saving gold, by t-test income does not significantly affect customer interest in saving gold, knowledge has a significant effect on customer interest. saving gold and service quality significantly influence customer interest in saving gold.  

SDS (Private Elementary School) Duri Indah Jakarta is one of the educational institutions which until now has not been computerized. Both in terms of payment and in terms of financial activities. Inputting and other activities are still done manually and recorded in a book as processing of student data. Data storage that is being carried out at this time is also still archived in a ledger, causing teachers and principals to have to record one by one the names of their students as a whole who have paid so that this can result in erroneous information regarding student payment and savings data and makes it difficult for teachers to find and provide the necessary data. Based on this, a web-based SPP and Savings payment system is needed. The stages of system development in making this information system use the prototyping method which starts from the planning stage, the analysis stage, the design stage, and the implementation stage, in the future it is hoped that the system created will make it easier for schools to control tuition payments and student savings.

ABSTRACT   This study aims to describe the turnover of working capital of the Bina Lestari Pinangsori Mandiri Savings and Loans Cooperative in Central Tapanuli Regency and to explain the level of profitability of the Bina Lestari Pinangsori Mandiri Savings and Loans Cooperative in Central Tapanuli Regency. The research method used is descriptive method with analysis of working capital turnover ratios (cash turnover ratios, accounts receivable turnover, inventory turnover), and profitability ratios (total asset turnover). The results of the analysis show that the working capital turnover of the Mandiri Bina Lestari Pinangsori Savings and Loans Cooperative, Central Tapanuli Regency for 2019-2021 based on the cash turnover ratio and inventory turnover ratio is considered good or effective, and based on the accounts receivable turnover ratio it is very slow so it is considered ineffective. Meanwhile, based on the ratio of asset profitability achieved, it shows that the Bina Lestari Pinangsori Mandiri Savings and Loans Cooperative in Central Tapanuli Regency is not yet profitable.   Keywords: Working capital, Profitability

: The Satahi Suga Suga Savings and Loans Cooperative operates in the field of lending and borrowing funds. In other words, managing funds as well as possible is the main focus of the activities of the Satahi Suga Suga Savings and Loans Cooperative, because to assess the effectiveness of managing its funds the Satahi Suga Suga Savings and Loans Cooperative cannot use one financial measure, namely profitability alone, but must also involve evaluating various aspects. The research aims to determine the effectiveness of managing the funds of the Satahi Suga Suga Savings and Loans Cooperative for 2021 based on the Regulation of the Minister of State for Cooperatives and Small and Medium Enterprises of the Republic of Indonesia Number 20/Per/M. KUKM/XI/2008 concerning aspects of capital, aspects of productive asset quality, aspects of liquidity, aspects of independence and growth. The subject of this research is the Satahi Suga Suga Savings and Loans Cooperative where the object of evaluation is the management of KSP Satahi Suga Suga funds. Data analysis techniques in this study used descriptive analysis. In this study data was collected through the documentation method. From the results of the study, the soundness level of cooperatives is included in the "Quite Effective" category with a total score of 56.75 out of a total score of 100. If assessed from guidelines for evaluating the effectiveness of fund management, it has a score of 56.75 which is in the total weighted score of 40-60 with the predicate less effective.

PKS Pagar Merbau is a plantation company engaged in palm oil processing. Due to the unpredictable level of demand, determining the timing and number of orders becomes difficult, resulting in increased inventory costs. By using the Period Order Quantity Method, it aims to be able to control Crude Palm Oil raw material inventory which will minimize inventory costs. The Period Order Quantity (POQ) method is a development of the Economic Order Quantity (EOQ) method where the number of orders can minimize the total cost of inventory. The results of applying this method, obtained the optimal number of orders of 1,208,798.12 kg for one order with a frequency of 101 times a year with a safety stock of 3,000,200.61 kg and a reorder point of 3,961,816.26 kg. The total inventory cost according to company policy is  Rp. 3,159,298,770.65 while the total inventory cost according to the Period Order Quantity method is 2,879,961,532.42. Then the total inventory cost savings of Rp. 279,337,238.23 or 8.86%

As a developing country, Indonesia has an economic structure dominated by the agricultural sector, making it vulnerable to disruptions to economic stability. Economic growth is an indicator showing that the economic level of society in general has increased in terms of consumption habits and people's purchasing power for goods and services. However, excessive consumption leads to a consumer society and inflation. This study aims to look at the causality between inflation, consumer price index, interest rates, gross domestic product, and exchange rates using the time series approach in the form of the quarterly period 2014Q1 to 2022Q2 in Indonesia using the VAR (Vector Autoregression) method. The research results show that inflation is related to or influenced by the consumer price index and savings. As for the Exchange Rate, Gross Domestic Product and Interest Rates have no effect on inflation.