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Sharia cooperatives are Sharia-based economic institutions that play a strategic role in empowering the economy of the Muslim community. By adhering to principles such as the prohibition of riba (usury), gharar (uncertainty), and maysir (gambling), as well as implementing profit-sharing systems (mudharabah or musharakah), Sharia cooperatives provide a fair, transparent, and inclusive alternative to support economic activities in society. These cooperatives aim not only to achieve financial gains but also to fulfill social missions, such as poverty alleviation, equitable welfare distribution, and holistic improvement of the community’s quality of life. Various products and services offered—such as Sharia savings, halal financing, and Sharia-compliant investments—provide financial solutions that align with Islamic values and meet societal needs. Nevertheless, the implementation of Sharia cooperatives faces several challenges, including limited public understanding, competition with conventional financial institutions, and constraints in human resources and capital. Through public education, capacity building for cooperative managers, and comprehensive government policy support, Sharia cooperatives hold great potential to become a key instrument in fostering a more just, equitable, and sustainable economy. This study emphasizes the importance of integrating Sharia values into cooperative management to ensure its contribution to the sustained welfare of the community.

Evaluation of PAK Performance Discipline in PPA IO 0164 Bethlehem Rote Activities. In this study, researchers found problems such as undisciplined performance in terms of time and responsibility as a mentor to mentor children at PPA IO 0164 Bethlehem Rote. Mentors who often arrive late for class. Mentors who are not responsible for teaching in class. There are even mentors who cannot be role models for children. The aim of this research is to reveal the causes of indiscipline in mentor performance and how to overcome it through the method that the researcher has prepared, namely a qualitative method with a research design, namely observation, interviews and literature study. Based on research findings, it is stated that there are still many mentors who do not carry out their responsibilities well. The most dominant reason for some mentors not being disciplined in their performance is that they have other work that interferes with their responsibilities as a mentor in PPA IO 0164 Bethlehem Rote activities. Apart from that, there are already disciplinary measures for mentors who are still undisciplined, but there are still mentors who still do it. The solution that researchers can provide is that a mentor must be able to understand that what he does as a mentor is a calling to be carried out because taking care of and even saving children through mentoring at PPA is a very significant responsibility.

The interest rate in the Iraqi economy represents an active and important element in the management of monetary policy in the Iraqi economy, as it is used by the monetary authority represented by the Central Bank of Iraq to influence the money supply, as well as the impact of this also by allocating the available resources for savings among foreign investments to achieve the central goal of the monetary authority of achieving stability in prices such as the interest rate and various prices and values of investments together and thus achieve balance at the economic and financial levels. This research analyzes the relationship between interest rate changes (IRC) and foreign direct investment (FDI) in the Iraqi economy during the period from (2004-2023). Multiple analytical tools were used, including descriptive statistics, correlation analysis, time series analysis, and prediction models using ARIMA and Prophet. The results showed an association between the two variables under consideration, with the ability of the ARIMA and Prophet models to provide accurate forecasts of future   FDI trends. A quantitative methodology that includes descriptive statistics, correlation analysis, time series models, and forecasting tools has been adopted to clarify the relationship between the two variables and draw conclusions that support economic decision-making.

The program Smart Saving Education: Building Financial Habits Among Elementary Students of SDN 168 Sinar Bhakti Village was conducted as part of the 34th Community Service Program (KKN) by Universitas Baturaja. This activity aimed to enhance financial literacy among elementary school students from an early age. The main problem identified is the low awareness among children regarding the importance of saving and prudent money management. This program employed an interactive socialization method involving visual aids, educational games, and group discussions to facilitate understanding. The activity was conducted in a one-day session involving 40 students from grades 4, 5, and 6 of SDN 168 Sinar Bhakti. The results indicated improved understanding among students about the importance of saving, as reflected in their ability to explain the benefits of saving, prioritize needs, and create simple plans to save money. Moreover, most students expressed high enthusiasm to start saving independently. The activity also fostered a culture of discussion among students, teachers, and parents regarding basic financial management. These findings indicate that interactive education approaches are effective in fostering good financial habits among children. This program is expected to be a starting point for the sustainable development of financial literacy among younger generations.

This article discusses the ability of Accounting students of Medan State Polytechnic in managing personal finances which include five main aspects: spending money according to needs, paying obligations on time, planning finances for the future, saving, and setting aside money for personal and family needs. Most students show good ability in financial management, although some still face challenges, such as difficulty saving and managing expenses. This study uses a survey method with a quantitative approach. The results of the study show that the majority of students are in the good to very good category in financial management. This finding reveals that although some students have large pocket money, their financial management behavior is not yet completely ideal, so it requires more awareness in acting financially. The influence of family, environment, and education plays an important role in shaping students' financial habits, where parents are the main factors.  

Gold savings is a type of savings in the form of gold measured in grams, which can increase or decrease over time. The balance of gold savings can be exchanged for gold bars based on the number of gold grams in the account, such as 1 gram, 2 grams, or multiples thereof. The purpose of this gold savings socialization is to provide in-depth knowledge and understanding to housewives about the benefits of gold savings as an investment tool. The service partner consists of 20 housewives from RT 08 RW 15, Meteseh Village, Semarang City. The community service method includes preparation, implementation, evaluation, and reporting. The preparation phase involved gathering information, determining the theme, and organizing the material for the activity. The implementation of PKM involved providing education through lectures, Q&A sessions, discussions, and simulations on gold savings knowledge. The evaluation phase consisted of administering pre-test and post-test questionnaires and preparing a final report. The results of the Community Service implementation, based on the evaluation of pre-test and post-test for the housewives of RT 08 RW 15, showed an improvement in knowledge and understanding of gold savings, from 36.25% in the pre-test to 66.75% in the post-test.

Public enthusiasm for government bonds is high due to the view that such investments are considered more saving and promising. In 1950 the government issued ORI with interest of 3% per year, but the bonds failed to pay because the government at that time did not have enough money so that many investors holding bonds as Government Debt Instruments experienced losses. In this research, a juridical analysis of the position of the parties in Government Debt Instruments (SUN) was carried out and an analysis of the form of legal protection for holders of Government Debt Instruments (SUN) in the risk of default provided by the government. The research method used in writing this law is normative juridical, with a statutory approach. There are findings that installments of principal and interest on state debt securities will be included as expenditure items in the APBN each year. In the event that the risk of default does not sever the civil relationship between the SUN Issuer and the SUN holder as an Investor in a civil relationship, investors who suffer losses based on their civil rights can file a lawsuit for default due to the risk of default.

In the implementation of the manufacture of BioSolar or BioDiesel fuel, the government uses a hybrid concept which is by mixing diesel from petroleum with Crude Palm Oil (CPO), this policy is useful in saving the country's foreign exchange where the government reduces the amount of petroleum imports and replaces it with CPO from within the country. Because Indonesia is one of the largest CPO producing countries in the world, through this policy the government can make better use of Indonesia's natural resources. This study uses a qualitative research method with a descriptive approach where researchers observe a phenomenon of increasing levels of palm oil (CPO) in current diesel fuel, namely from B30 to B35.

Deli Serdang Regency located in North Sumatra Province has significant economic potential, supported by the agriculture, industry, trade, and service sectors. In recent years, Deli Serdang Regency has experienced fluctuations in its economic growth. This study analyzes the economic growth of Deli Serdang Regency using the Solow-Swan model. Secondary data from the Central Statistics Agency (BPS) in 2019-2020 accessed through the website https://www.bps.go.id/id analyzed to estimate model parameters. The results show that: (1) the level of savings and investment has a significant effect on economic growth, (2) technology and labor growth play an important role in increasing productivity, and (3) fiscal and monetary policies need to be optimized to increase economic growth. The Solow-Swan model effectively explains the dynamics of economic growth in Deli Serdang Regency.

This research investigates the resilience of coastal communities in Desa Sukamulya, Kecamatan Paku Haji, in responding to the impacts of climate change. Using a quantitative approach with a survey method, data were collected from 40 respondents, including fishermen and coastal business actors. Findings reveal significant challenges faced by these communities, such as extreme weather, shifting fishing seasons, and declining fish catches, which negatively affect their economic sustainability. While awareness of climate change exists, gaps remain between understanding and actual adaptation efforts due to limited resources and inadequate infrastructure. The high dependency on fishing as a primary income source increases vulnerability, compounded by low savings, limited job diversification, and weak participation in social and cooperative networks. This study recommends enhancing livelihood diversification, improving coastal infrastructure, strengthening community organizations, providing climate education, and rehabilitating coastal ecosystems like mangroves and coral reefs. These strategies aim to bolster the resilience of coastal communities, ensuring better adaptation to climate change and the sustainability of their livelihoods.

There are two issues studied in this thesis, namely: the management of Village Unit Cooperatives in improving the welfare of members in Lubuk Mandarsah Village, Tebo Regency and the management of Village Unit Cooperatives from a sharia economic perspective. The aim of this research is to determine the management of Village Unit Cooperatives in improving the welfare of members in Lubuk Mandarsah Village, Tebo Regency and to determine the management of Village Unit Cooperatives from a sharia economic perspective. To reveal this problem in depth and comprehensively, researchers used a qualitative approach by collecting data using observation, interviews and documentation. The data analysis technique used is field analysis using an interactive model including data reduction, data display, data verification. From the research results, it can be concluded that: In the management of the Village Unit Cooperative in Lubuk Mandarsah Village, Tebo Regency, 4 (four) cooperative management functions are implemented, namely: planning, organizing, acting, and monitoring. controlling). There are business units such as supermarkets, convenience stores, savings and loans, agricultural production facilities, and the provision of fertilizer which are solutions for the community according to their individual interests. In the management of the Village Unit Cooperative in Lubuk Mandarsah Village, according to an Islamic economic perspective, namely using the principle of shura' (deliberation) in every decision making, and also using the principle of ta'awun (mutual assistance) in the Village Unit Cooperative which has been implemented but equated with the principle of mutual cooperation.

Education on the Concept of Waste Bank, Green Economy, and Circulating Money to the Community is carried out in order to understand how its application becomes a household income opportunity, for example by becoming a new source of income from saving household waste that has been applied so that it is able to read the economic and environmental problems that occur. How the impact of the Waste Bank on income from household waste. Which is related to improving household welfare through community knowledge / understanding related to Waste Bank, Green Economy, and Circulating Money. From this community service, the results show that with the existence of the Waste Bank, the application of the Green Economy concept can be seen from the collection of household waste easily collected at the Waste Bank, the community becomes a customer, has savings, withdraws money, then continues consumption shopping from the money, which means there is buying and selling activity in the market because there is money circulating in the community. This affects economic activity in the Medan Belawan sub-district.