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The purpose of this study: 1). To determine and explain the influence of financial knowledge on family financial management behavior, 2). To determine and explain the influence of financial attitudes on family financial management behavior, 3). To determine and explain the influence of financial knowledge and financial attitudes on family financial management behavior. The population in this study were residents of Kaligangsa Kulon Village, Brebes District, Brebes Regency who were 17 years old and over and totaled 5879 people. The study was conducted based on probability sampling techniques, simple random sampling. The results of the study can be concluded that: 1). Financial knowledge does not affect family financial management behavior, 2). Financial attitudes have a positive and significant effect on family financial management behavior, 3). Financial knowledge and financial attitudes have a positive and significant effect on family financial management behavior.

The importance of knowledge related to Islamic finance and management related to Islamic finance, so that people are not trapped in debt, such as online loans, want financial institutions that provide loans with very large interest to the community. The purpose of this community service is to provide knowledge on the importance of sharia financial literacy and sharia financial management procedures. The method of implementing this community service uses the method; FDG: Lectures, Practices and Participant Assistance. The implementation of this community service was on December 16, 2023, at one of the meeting places in Sasa village, independent PKM activities were held in the afternoon at 13.00 Wit until completion. Participants who attended this PKM activity were 25 people consisting of mothers in Sasa village.

This examination means to investigate and recognize the different sources and components adding to income age in the financial area inside the City of Medan. The study evaluates the various sources, instruments, and strategies utilized by banks to generate income and delves into the intricate details of revenue streams. Using a blended strategies approach, the exploration consolidates both quantitative information investigation and subjective experiences from key partners inside the financial business. The quantitative perspective includes the examination of fiscal summaries, pay reports, and execution pointers, giving a complete outline of income patterns. Key central places of the exploration incorporate the ID of premium pay, expense-based pay, and other subordinate sources adding to the general income of banks in Medan. The subjective part includes meetings and conversations with banking leaders and controllers to accumulate nuanced experiences about the techniques utilized for income expansion and maintainability. Primer discoveries show a different scene of income sources, including conventional financial exercises, imaginative monetary items, and computerized administrations. The examination adds to the comprehension of the elements of income recognizable proof in the financial area, giving important bits of knowledge to monetary foundations, policymakers, and industry experts.

Brokerage companies have long developed in Indonesia, but this development has not been accompanied by a good image. The image of brokers in Indonesia seems bad in society so that Indonesian brokerage companies experience losses in reputation and customer trust, which will ultimately affect the business performance of brokerage companies. This phenomenon was also experienced by PT Victory International Future, one of the official brokers and supervised by Bappebti. It is necessary to identify the key factors that influence this bad image. The expected results will outline various marketing strategies that can be used, including communication that focuses on conveying clear information, education on investments and financial instruments, as well as service to clients that prioritizes transparency. Apart from that, it provides strategy options and suggestions for brokerage companies in an effort to improve the company's image and as a real social contribution to developing public knowledge about finance and improving the financial services sector.

This Community Service Activity (PKM) is one manifestation of the Tri Dharma of Higher Education, namely providing benefits to the community. This PKM activity is aimed at high school students located on Jalan Social Palembang. The method for implementing community service activities is by providing online training. The target participants for this training are Karya Ibu High School students. For the Raden Fatah State Islamic University, the Faculty of Economics and Islamic Business is one of the means to introduce the Raden Fatah State Islamic University of Palembang and is a community service activity carried out by Lecturers at the Raden Fatah State Islamic University of Palembang to be able to apply the knowledge they have to the community. . The topic chosen for this activity was training in making financial reports among high school/vocational school students. This topic was chosen because it remembers the importance of understanding in preparing financial reports to be able to measure the company's performance and financial position. The output resulting from this community service activity is a module in the form of a financial report compilation and as the final stage, we will create a report on the implementation of this Community Service (PKM) task.

It is hoped that the growth and development of entrepreneurship can reduce the number of unemployed and increase prosperity. The entrepreneurial spirit of today's students has begun to decline because most students who have the mindset of wanting to work for a company do not want to create jobs. Entrepreneurship is the ability and willingness to develop, manage and running a business, including taking the risks involved in it to achieve profits, therefore an entrepreneurial spirit is very important for students. There are very few MSMEs (Micro, Small and Medium Enterprises) nowadays due to people's interest in entrepreneurship and their lack of knowledge or insight into entrepreneurship.As for problems with MSMEs in Indonesia, such as weak business management capabilities, limited quality of human resources (HR), and weak access to financial institutions, especially banking. These businesses usually do not have a bookkeeping system, have difficulty expanding the business scale, and still have limited capital. Therefore, this independent entrepreneurship program can foster an entrepreneurial spirit and improve the quality of SMEs. The independent entrepreneurship program activities launched by the Ministry of Education and Culture are intended to study as well as exploring students' abilities to improve their entrepreneurial spirit and urging students to improve their entrepreneurial skills and make a positive impact on society.

Cooperation between economic actors such as financial institutions is an embodiment of the concept of the rule of law in economic development. Financial institutions such as banks provide credit to the public but there are also credit risks. So Bank Indonesia issued Guidelines for Preparing Credit Policies (PPKPB) for Commercial Banks, on March 31 1995, through Bank Indonesia Directors' Decree No.27/162/KEP/DIR which contains credit agreements in standard form. The existence of standard clauses in bank credit agreements containing the debtor's obligations, which aim to protect the creditor's interests, is unfair to the debtor. For this reason, it is necessary to study the weaknesses in the regulation of default on agreements with guarantees of mortgage rights. This research is based on John Rawls's Theory of Justice and Lawrence M. Friedman's Legal System Theory. The research specifications are analytical descriptive, with a sociological juridical research type. Regulations on default on agreements with guaranteed mortgage rights have weaknesses in the legal structure aspect, namely the lack of synergy between law enforcement officials. Apart from that, there are weaknesses in the legal substance aspect, namely related to the provisions contained in Article 15 UUHT, as well as weaknesses in the legal culture aspect which can be seen from the public's lack of knowledge about credit agreements and the lack of socialization regarding legal regulations related to the basic principles of agreement law.

This service aims to increase knowledge of financial reports at Burjo Minang MSMEs and Berkah Market Snacks in Tamantirto through simple bookkeeping education and training. This research was conducted using qualitative methods and a descriptive approach. The research results show that simple bookkeeping training provides significant benefits for MSMEs in making accurate financial reports. This research also identifies factors that cause errors in bookkeeping and provides solutions to overcome these problems. Thus, this research contributes to increasing knowledge regarding financial reports and the effectiveness of bookkeeping at MSMEs Burjo Minang and Jajanan Pasar Berkah.

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

Financial Accounting Standards (SAK) are guidelines for the preparation of corporate financial statements in Indonesia. There is a component of the Financial Accounting Standards that has an important role in business combination is the Presentation and Disclosure Principle (PPP) in the Financial Accounting Standards. A business combination occurs when one or more companies merge to form a new business entity separate from the merging companies. The method used in this research is descriptive analysis through the development of data related to the topic of discussion collected by reviewing the financial statements of PT GoTo Gojek Tokopedia Tbk which can be accessed on the Indonesia Stock Exchange (IDX) website. The result of this study is that PT GoTo Gojek Tokopedia Tbk has carried out business combination activities by identifying the party to be acquired and measuring the value based on a predetermined acquisition price in obtaining control in accordance with the percentage of ownership. This study aims to explain the application of business combination accounting based on PSAK 22 at PT GoTo Gojek Tokopedia Tbk. This research is intended as an effort to develop the knowledge obtained by the author in order to obtain an optimal solution in exploring the combination operation process carried out by PT GoTo Gojek Tokopedia Tbk.

This research aims to determine the influence of education on creativity and innovation in entrepreneurship. Entrepreneurship education can arouse the spirit of entrepreneurship. An entrepreneur requires tenacity and skills in running a business. Mastering, understanding and applying one's abilities in running an entrepreneur cannot be separated from the ability to understand entrepreneurial knowledge. Entrepreneurship education is a process of motivating students to recognize the environment and open their own business (entrepreneurship), create different values by devoting the necessary time and effort, also bear financial risks, bear the accompanying psychological and social impacts, and receive monetary rewards. . Entrepreneurship education has a big influence on entrepreneurial motivation, being motivated to become an entrepreneur, being able to create your own business activities, building attitudes, mentality and character.

This financial management and digital marketing assistance aims to provide knowledge of financial often experienced by UMKM entrepreneurs is ineffective financial management, and a lack of knowledge causes poor business performance. Not only that, but weak digital marketing knowledge is also a problem that is lacking in UMKM entrepreneurs. Therefore, it is necessary to have training and mentoring activities for financial management and digital marketing for local UMKM entrepreneurs. The implementation of this activity was carried out from July 24, 2023, to August 8, 2023. This activity was attended by two UMKM entrepreneurs. The methods the team used were counseling and mentoring. The results of this activity can increase knowledge and financial management, both properly and professionally.

Commercial activities contribute to increasing sales of agricultural products. One of the agricultural products is Tanaman Obat Keluarga (TOGa). TOGa plants are an additional source of income. However, the difficulty of selling is that often the price is not as good as the market. Through assistance in the use of social media and digital financial records, it is expected to contribute to increasing the income of residents of Purwoseco Hamlet and Karangrejo Hamlet. The results of service activities show that > 50% of residents experience an increase in understanding and knowledge of the knowledge provided. The satisfaction level of service participants showed an average score of 65%, which is very good. This shows that the service participants are satisfied with the course of service activities.

This qualitative study aims to explore the impact of financial literacy on human capital development within micro, small, and medium enterprises (MSMEs). The research utilizes a descriptive qualitative approach to delve into the intricate relationship between financial literacy and human capital enhancement. Sampling technique employed purposive sampling to select MSMEs owners and employees who possess varying degrees of financial literacy. Data analysis involves thematic analysis, allowing for the identification of recurring patterns and themes within the collected data. The findings underscore the pivotal role of financial literacy in fostering human capital development within MSMEs, highlighting its significance in promoting entrepreneurial success, enhancing decision-making processes, and facilitating business growth. This study contributes to the existing body of knowledge by providing insights into the mechanisms through which financial literacy influences human capital development within the context of MSMEs.

The purpose of this thesis is to manage Islamic finance MSMEs at Muaro Jambi Temple, to find out the obstacles in managing MSME sharia finance at Muaro Jambi Temple and to find out the efforts of MSMEs in financial management at Muaro Jambi Temple. This thesis uses a qualitative approach with data collection methods through observation, interviews, and documentation. Based on the research conducted, the following results and conclusions are obtained: MSME Islamic Financial Management in Muaro Jambi Temple is carried out by trying only to take what is lawful and good, lawful way of acquisition: through trade that applies voluntarily and willingly, lawful method of acquisition: act fairly and avoid doubts and lawful. How to use: Help each other and avoid excessive risks. Obstacles in MSME Islamic Financial Management at Muaro Jambi Temple include personal needs and business turnover that are not separated and limited knowledge. Efforts in MSME Islamic Financial Management at Muaro Jambi Temple include the use of the budget in the needs that will be carried out so that the business being run can benefit, recording is done to anticipate losses occurring or expenditures occurring, so that income will also be clearer when recording, reporting is done made not just written numbers but have information. Exercising control by fully implementing control over the financial management of its business.

This research study aims to determine the effect of financialknowledge and financialattitude on financialbehavior through the mediation of locusof control instudents the city ofBengkulu. Thepopulation study were students in thecity ofBengkulu. From calculations using theformula where[21], theindicator is 24 x 10, thesample size for thisstudy was determined to be 240 respondents. Determination of thesample using non-probability samplingtechnique with purposive samplingtechnique, by determining the criteria of therespondent. Theresearch approach used is quantitativeresearch. The type of data used in this study is primary data, namely research dataobtained directly from originalsources (respondents). The research data was processed using thesmartPLS 3.0 analysis tool. The results of thisstudy indicate that financialknowledge can influence financialbehavior directly and cannotinfluence it indirectly or through locus ofcontrol mediation. FinancialAttitude Variable can influenceFinancial Behaviordirectly and can also influence indirectly through Locus OfControl. Lastly, the variables of financialknowledge and financial attitudes have influence on the financialbehavior variable. FinancialKnowledge and FinancialAttitude Variables can affect the LocusOf Control variable. Finally, the Locus OfControl variable can have a significant effect on the FinancialBehavior Variables.

The COVID-19 pandemic and the imposition of Community Activity Restrictions (PPKM) in Jambi City had a direct impact on street vendors (PKL) at Tugu Keris Park, Jambi City. Therefore, traders must think of the right strategy in order to survive during the COVID-19 pandemic. The trader's strategy is a form of effort made during the face of the pandemic problem This study aims to analyze the impact of the pandemic on the income of street vendors in Taman Tugu Keris, Kota Baru District, Jambi City and to analyze the adaptation strategies applied by street vendors. five in Tugu Keris Park, Kota Baru District, Jambi City in dealing with COVID 19. This research approach uses a qualitative approach based on the philosophy of postpositivism. Data were collected using interviews and field observations. The results showed that there were three impacts of the COVID-19 pandemic by traders; first, the impact of declining income; second, the impact of disrupted economic activities of traders; third, the impact of financial expenditures that are not proportional to income. Meanwhile, the adaptation strategies found in the research on traders include; first is the corporate strategy by not increasing the selling price; both business unit strategies by providing bonuses; the three functional strategies with the use of social media for promotion. This research is expected to become knowledge and input for traders, government, and consumers when facing similar problems in the future.

This study aims to determine and compare how the financial control of ice jelly potter and cassava chips in financial control and to find out the shortcomings if they do not use financial control. This study uses a qualitative approach. The data sources used are primary and secondary data sources. While the data collection techniques used in this study were observation, interviews, and documentation. The results of the study indicate that in terms of financial control, the ice jelly potter business has implemented financial control although it has not been maximized which includes financial management (budgeting, recording, reporting, and financial control). This is a plus for UMKM because they have implemented financial controls as well as future steps that will be taken to become more knowledgeable, and can assist in decision making in the future. The factors that become a shortage of cassava chips business in running a business if they do not use financial control (financial management) are not knowing the next steps to be taken, not being able to develop a business, not knowing whether the business is profitable or detrimental. Therefore, financial control is very important in running a business.

The SME empowerment policy is generally directed at supporting efforts to overcome poverty and inequality, create job opportunities and increase exports, as well as agricultural and rural revitalization, which are national development priorities. In addition, the development of small and medium enterprises (MSMEs) is directed at making a significant contribution to creating job opportunities, increasing exports and increasing competitiveness.This Community Service Activity (PKM) is focused on MSMEs in Pagerharjo Village, Kulon Progo Regency. The reason for choosing this service location is because Pagerharjo Village is an Independent Cultural Village which has implemented the Preneur Village program since 2019. The Preneur Village is currently still active and developing. The problem with MSMEs, under the management of BUMDes Binangun Pagerharjo in Pagerharjo Village, Samigaluh, Kulon Progo Regency, is the lack of entrepreneurial spirit and financial bookkeeping which, on average, is still done manually.The results of the service include responses and evaluations from participants regarding the training that has been provided. The response was given by the Director of BUMDes who was impressed with the training provided which was different from the training that had been provided previously. Previous training involved mostly listening to lectures, whereas the current training involves participants being active in solving the various problems they face. The evaluation results show that the participants' knowledge has increased and their insight into their business has also increased. It turns out that producing a business is not only based on generations, but also requires innovation so that marketing will continue to develop and financial management will also improve.

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