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The fishermen's community in Tapak Village, Tugurejo Subdistrict, Semarang faces persistent economic vulnerability driven by fluctuating income, low financial literacy, and exposure to illegal online lending and digital financial fraud. This community service program aimed to strengthen the economic resilience of fishermen's families through participatory financial literacy education. Using a participatory-interactive approach involving coastal community members, the program delivered comprehensive financial literacy training tailored to the needs of coastal communities. Program effectiveness was measured through pre-test and post-test instruments. Results showed significant improvements in participants' understanding of cash flow recording, ability to differentiate needs from wants, household budget planning, and capacity to identify illegal online lending characteristics. This program confirms that context-based participatory education is effective in enhancing the financial capacity and resilience of coastal communities.

This community service study investigates a marketing training program implemented by theology students of STT Kadesi Bogor at the GPIA Sidoasri congregation in Sumbermanjing Wetan District, Malang Regency, East Java. The program targeted eighteen women members of the congregation to improve their economic capacity through the marketing of low-cost everyday clothing via three channels: door-to-door sales, a small storefront at the church, and online commerce through TikTok. The study applied a pre- test/post-test design evaluated using the Normalized Gain (N-Gain) method to measure changes in knowledge and skill across five indicators: marketing knowledge, selling skills, online media usage, basic financial recording, and entrepreneurial motivation. Results indicated a moderate-to-high N-Gain across all measured indicators, with an average N-Gain score of 0.656 (moderate category), and the highest individual gain in entrepreneurial motivation (0.76, high category). Sales data over the three-month period (January–March 2025) recorded a total profit of Rp1,967,500 across 345 garments sold, representing an income supplement of approximately 27–35% relative to participants' baseline household income for the most active participants. A marked sales decline in February and March was attributed to seasonal demand shifts ahead of Eid al-Fitr, as consumers redirected purchases toward formal Muslim attire. The program demonstrated that congregation-based economic empowerment rooted in a biblical theology of work, stewardship, and the dignity of labor can yield measurable and holistic socioeconomic outcomes for Christian women in rural communities.

This community service activity aims to improve the community’s knowledge and skills in making natural-ingredient massage oils as both an alternative health product and a business opportunity. The program was implemented in Bingkat Village, Pegajahan Subdistrict, Serdang Bedagai Regency, with the primary target being housewives who are members of the PKK group. The main challenges faced by the community partners include high reliance on chemicalbased products, limited understanding of the use of medicinal plants, and a lack of productive activities that support family economies. Implementation methods included outreach sessions, training, hands-on practice, and guidance in making massage oil using natural ingredients such as lemongrass oil and nutmeg seed oil. In addition, participants were also provided with training in packaging, business management, and basic marketing. The results of the activities showed an increase in the community’s knowledge and skills in processing natural ingredients into massage oil products that are safe, effective, and economically valuable. This program is expected to promote community selfreliance and increase family income through the development of businesses based on local potential.

This quantitative study, involving 135 respondents, aims to analyze the influence of work efficiency and income on the welfare level of members of the Women Farmer Group (KWT) in X Koto Singkarak Sub-district. Data were collected through structured questionnaires and analyzed using multiple linear regression, t-tests, and F-tests to determine both partial and simultaneous effects of the independent variables on welfare. The results of the t-test reveal that work efficiency (X1) does not have a significant partial effect on the welfare of KWT members (Y), as indicated by a t-value of -1.817, which is lower than the t-table value of 1.977, and a significance level of 0.071, which exceeds 0.05. Conversely, income (X2) demonstrates a strong and significant partial effect on welfare, supported by a significance value of 0.000, which is lower than 0.05, and a t-value of 13.561, which is higher than the t-table value of 1.977. Furthermore, the simultaneous F-test confirms that work efficiency and income collectively have a significant effect on the welfare level of KWT members, with an F-value of 98.319 exceeding the F-table value of 19.490 and a significance level of 0.000. These findings indicate that increasing income plays an important role in improving welfare.

According to the American Diabetes Association (ADA), diabetes mellitus is a chronic and complex disease that requires ongoing management and various strategies to control blood sugar levels and reduce associated risks. Patient Mrs. J, a 52-year-old woman and farmer, presented with complaints of numbness and tingling in both legs that began approximately 2 months prior to her current visit and had worsened over the past week. The symptoms felt like being pricked and sometimes felt hot, especially at night, thereby interfering with daily activities. The symptoms were accompanied by frequent urination, especially at night, frequent thirst, frequent hunger, a feeling of weakness, and intermittent blurred vision. The patient had been diagnosed with diabetes mellitus approximately 5 years ago but did not consistently take medication (glimepiride). The patient still frequently consumes sweet, coconut-based, and fried foods. Physical examination revealed reduced sensation in the lower extremities. Laboratory tests showed elevated blood sugar levels. Based on the medical history, physical examination, and supporting tests, the patient was diagnosed with Type 2 Diabetes Mellitus. The patient was advised to record test results and changes in his health status in a health record book, and to involve family members in supporting treatment adherence and a healthy lifestyle. The patient works as a farmer with an irregular income, depending on the harvest. Daily expenses are shared with his son, so his economic condition

This study aims to analyze the utilization of Community Forestry, the role of farmers group, and the perceptions of livestock farmers who are members of “HKm Ulusena” Farmers Group regarding the utilization of the Ulusena Community Forest. This study was conducted from November 2024 to July 2025 in Ulusena Village, Moramo District, South Konawe Regency, Southeast Sulawesi Province. This study was conducted using a qualitative approach. The determination of informants was carried out using a non-probability sampling method with purposive sampling and snowball sampling techniques. Data sources in this study used primary and secondary data. Data collection was obtained through observation, interviews, and documentation. The data analysis process used the Miles and Huberman method, namely data reduction, data presentation, and drawing conclusions. The utilization of the Ulusena Community Forest is divided into three categories: land use, utilization and collection of non-timber forest products (NTFPs), and utilization of environmental services. Livestock serves as a secondary source of income for livestock farmers, members of the Ulusena Community Forest Farmer Group. Utilization in livestock involves the use of forest areas as land for growing green fodder. “HKm Ulusena” Farmers Group has not been actively operating, so a new group management structure was formed. The new management structure periodically carries out a process of increasing the capacity of regional, institutional, and business management to foster group synergy by reactivating group activities. Farmers' perceptions of the use of the Ulusena Community Forest tend to be positive. Positive impacts of the Ulusena Community Forest utilization include obtaining permits for non-timber forest product (NTFP) management, obtaining economic resources from NTFPs, and obtaining resources to support the livestock sector.

This study aims to analyze the forms and strategies of Micro, Small, and Medium Enterprise (MSME) empowerment implemented in Sukadamai Village, Lemito District, Pohuwato Regency; to examine the roles of business actors, village government, and the social environment in supporting MSME empowerment; and to identify the impact of MSME empowerment on family economic independence. This research employed a qualitative method with a descriptive approach. Data were collected through observation, interviews, and documentation involving the Head of Sukadamai Village and 12 MSME actors as key informants. The findings reveal that MSME empowerment in Sukadamai Village has been implemented through the provision of business equipment assistance and informal mentoring activities. However, such support remains limited and has not been distributed evenly across all MSME sectors. The village government primarily functions as a facilitator and initial supporter, while MSME actors play an active role in sustaining their businesses as the main source of household income, supported by family members and the surrounding social environment. The impact of MSME empowerment on family economic independence is reflected in households’ ability to meet their basic needs independently and reduce their reliance on external assistance. Nevertheless, the level of economic independence achieved remains relatively limited due to the absence of structured business development programs and inadequate financial management practices.

This study examines the impact of the presence of PT Toba Agro Mandiri on the livelihoods of the community in Pohan Julu Village, Siborong-borong District, North Tapanuli Regency. The establishment of the company has brought socio-economic changes to the local community, particularly in relation to employment opportunities and sources of income. Prior to the company's presence, most residents depended on traditional agriculture as their main livelihood. This research aims to analyze the changes in community livelihoods following the operation of the company and to identify the factors that influence the community in responding to these changes. This study uses a descriptive qualitative approach. Data were collected through in-depth interviews, observation, and documentation involving community members and relevant stakeholders. The findings indicate that the presence of PT Toba Agro Mandiri has both positive and negative impacts on the community. Positive impacts include increased income for landowners through land leasing, the availability of new employment opportunities, and the emergence of supporting economic activities. However, negative impacts were also identified, such as unequal access to employment opportunities, social disparities between landowners and non-landowners, and a gradual shift away from traditional agricultural practices. These findings highlight the importance of more inclusive employment opportunities and community empowerment programs to ensure that the benefits of the company's presence can be distributed more evenly among the local community.

Wolowiro Village, Paga District, Sikka Regency possesses abundant coconut resources; however, their utilization remains limited and has not yet generated optimal economic value for the local community. This community service program aimed to improve community knowledge and skills in processing coconuts into Virgin Coconut Oil (VCO) as a value-added product with the potential to increase household income. The program employed socialization activities, presentations, educational video screenings, and hands-on training in VCO production using the fermentation method. Participants included village officials, housewives, and local residents who were actively involved in all stages of the training, including raw material selection, coconut grating, coconut milk extraction, fermentation, oil separation, and final product filtration. The results demonstrated a significant improvement in participants’ understanding and practical skills related to VCO production. Community members were able to independently produce VCO and showed strong enthusiasm for developing coconut-based micro-enterprises. Furthermore, the program increased public awareness of the importance of utilizing local resources as economically valuable products. Therefore, VCO production training can serve as an effective community empowerment strategy to support economic development and improve community welfare through the utilization of local agricultural resources.

This study aims to analyze the implementation of management functions of Village-Owned Enterprises (BUMDes) in increasing Village Original Revenue (PADes) in Saneo Village, Woja District, Dompu Regency. A qualitative descriptive approach was employed using interviews, observations, and documentation as data collection techniques. The informants consisted of village government officials, BUMDes managers, and community members. Data were analyzed using the Miles and Huberman model, including data reduction, data display, and conclusion drawing. The findings reveal that management functions, namely planning, organizing, actuating, and controlling, have been implemented in BUMDes management, although not yet optimally. Supporting factors include village government support, initial capital availability, management commitment, and community participation. Meanwhile, inhibiting factors include limited human resources, weak supervision systems, dependence on village funds, and limited market access. BUMDes has contributed to Village Original Revenue and supported village fiscal independence, although its contribution remains relatively limited. Therefore, strengthening managerial capacity, improving management quality, and developing more innovative business units are necessary to enhance the sustainable contribution of BUMDes to Village Original Revenue.

Loan management is one of the important aspects of cooperative financial management because it plays a role in supporting the growth of the cooperative and improving member welfare. This study aims to analyze the role of loan management at Koperasi Suru Pudi Koting and its impact on member welfare. The research method used is qualitative descriptive. Data collection was conducted through observation, interviews, and documentation, while data analysis was carried out by relating field findings to theories of financial management, cooperative growth, and member welfare. The results of this study show that loan management at KSP Kopdit Suru Pudi Koting has been implemented through stages of loan feasibility assessment, establishment of loan procedures and policies, as well as supervision and loan collection. This loan management contributes to the growth of the cooperative, reflected in the increase in assets, business volume, and the remaining business results (SHU). In addition, loan management also has an impact on improving members' welfare through easier access to capital, increased income, and the quality of cooperative services.

This study aims to analyze the impact of the implementation of accounting standards and digital technology in improving financial performance at the Savings and Loan cooperative KSP. Kopdit Sube Huter. The background of the study is based on the importance of accountable, transparent, and relevant financial reports as a basis for decision-making, especially in Savings and Loan cooperatives that manage member funds. The method used in this study is a qualitative descriptive method with a case study approach. Data were obtained through observation, interviews, and documentation during the internship at KSP. Kopdit Sube Huter. The results of the study indicate that the implementation of accounting standards although still using SAK ETAP and in the transition stage to SAK EP, is able to improve the order and comparability of financial reports. In addition, the use of digital technology through the SIKOPDIT system plays a role in increasing the efficiency of transaction recording, the accuracy of financial data, and the timeliness of financial report preparation. The impact of the implementation of accounting standards and digital technology is reflected in the improvement in the cooperative’s financial performance, as indicated by the growth in the number of members and the increase in Net Operating income (SHU) during the 2021-2024 period. Thus, the implementation of appropriate accounting standards and the synergistic use of digital technology have been proven to contribute positively to the financial performance of KSP. Kopdit Sube Huter.

 Non perfoming Loans are one of the main risks faced by savings and loan cooperatives and can impacts the financial stability as well as the sustainability of the cooperativ, s operations. this study aims to analyze strategies for handing non-performing loans based on the concepts of credit risk manajement at KSP Kopdit Tuke Jung Deru Dede Branch. This reserch use a qualitative approach with data collection methods through observation, interviews, and documentation. The data analyzed include non-performing loan data for the period 2022-2024 as well as interview results with the cooperative management. The data analys technique is carried out qualitatively and descriptively by linking field finding to findings to the concept of credit risk manajement, which includes risk identification, measurement, and control. The research result indicate that the increase in non-performing loans is influenced by internal factors such as suboptimal credit supervision, as well as exernal factors such as a decline in income and weak manajerial capacity of member businesses. The strategies for handling non-perfoming loans implemented by KSP Kopdit Tuke Jung include rescheduling, reconditioning, and restructuring. The implemention of these strategies is considered quite effective in helping members fulfil their credit obligations and reducing the cooperative, s risk of losses. Although strengthening credit analysis and post-credit supervision is still needed. This study is expected to serve as an evaluation material and reference for credit unions in improving sustainable risk manajement.  

Financial literacy plays a vital role in enhancing family well-being, particularly in the management of household income and expenditures. As the primary managers of household finances, homemakers need to possess a sound understanding of prudent financial management. This educational program was designed to provide and enhance financial literacy for homemakers who are members of the PKK organization in Mijen Village, Kebonagung District, Demak Regency. The implementation methods included the delivery of financial literacy materials accompanied by relevant examples, interactive discussions and question-and-answer sessions, as well as the provision of financial strategy recommendations aimed at achieving household financial well-being. The results of the program indicate that the core materials can be categorized into financial literacy enhancement, effective financial management, and investment (saving). The majority of participants allocate approximately 70% to 80% of their income to routine expenditures, while the remaining portion is used for non-routine needs and investments or savings.

This study aims to examine the influence of non-performing loans (NPLs) on the financial performance of KSP Kopdit Hiro Heling, Maumere Branch, during the period 2020–2024. Non-performing loans are among the most critical issues faced by credit unions, as they can disrupt liquidity, reduce income, and negatively affect the distribution of the Remaining Operating Results (SHU). The research adopts a descriptive method with a qualitative approach. Data sources include both primary and secondary data. Primary data were collected through direct interviews with the General Manager and Manager of KSP Kopdit Hiro Heling, Maumere Branch, while secondary data consist of loan disbursement records and NPL statistics covering the 2020–2024 period. The findings reveal that the level of non-performing loans fluctuated throughout the study period, directly impacting the cooperative’s financial performance. These fluctuations affected liquidity and SHU, which also varied annually. An increase in NPLs led to a decline in SHU due to reduced interest income and rising uncollectible receivables, whereas a decrease in NPLs contributed to improved SHU and enhanced financial stability. Interviews further indicated that NPLs were influenced by members’ limited repayment capacity, misuse of loans, weak monitoring, and external factors such as the COVID-19 pandemic and members’ economic conditions. The study concludes that higher levels of NPLs increase the risk of declining financial performance and SHU. Therefore, KSP Kopdit Hiro Heling, Maumere Branch, must strengthen creditworthiness analysis, improve monitoring and member assistance, and enhance collection systems to mitigate NPLs and safeguard financial stability in the future.

Savings and Loan Cooperatives (KSP) play a strategic role as microfinance institutions that promote members' financial welfare through savings and loan services based on trust and togetherness. This study aims to analyze profitability as the basis for financial performance assessment of KSP Credit Union Bahtera Sejahtera Kewapante during the 2023–2025 period. The analysis focuses on three main profitability ratios—Return on Equity (ROE), Profit Margin (PM), and Assets Turnover (AT)—along with interpretation of performance trends, causal factors of fluctuations, and their implications for the cooperative's operational sustainability. The research employs a descriptive quantitative approach with data collection techniques through direct observation, documentation of financial statements for the last three years, and financial ratio analysis. Results indicate a significant decline in profitability performance: ROE decreased from 2.01% (2023) to -0.91% (2024) and slightly improved to -0.25% (2025); Profit Margin fell from 13.81% to -7.75% and -2.24%; while Assets Turnover showed a downward trend from 0.049 times to 0.039 times in 2025. All ratios remain far below ideal standards (ROE ≥10%, PM ≥20%, AT ≥1 time), indicating inefficiency in capital management, insufficient income to cover operational expenses, and low asset productivity. These conditions are caused by declining business income, rising operational costs, and weakening member economic activity. The findings confirm the critical need for optimizing productive loan disbursement, enhancing operational cost efficiency, and increasing active member participation as essential strategies to restore profitability and ensure the long-term sustainability of the cooperative.

The process of determining eligibility for social assistance recipients is often constrained by subjective assessments and uncertainty in decision-making criteria. This condition can lead to inaccurate targeting and unfair distribution of aid. Therefore, an appropriate decision support method is required to handle data uncertainty effectively. This study aims to apply the Fuzzy Mamdani method to determine the eligibility of social assistance recipients based on several assessment criteria. The criteria used in this study include monthly income, number of dependents, and housing conditions. The research method consists of data collection, fuzzification, formulation of fuzzy rules, inference using the Mamdani approach, and defuzzification to obtain a crisp output value. The results show that the Fuzzy Mamdani method is able to classify recipients into eligible and non-eligible categories more flexibly compared to conventional methods. The generated eligibility values reflect real conditions more accurately by considering degrees of membership for each criterion. The implementation of this method can assist decision-makers in improving the accuracy, objectivity, and fairness of social assistance distribution. This research is expected to contribute to the development of intelligent decision support systems in the social welfare sector.

The background of this research is based on the enormous potential of zakat, infaq, shadaqah, and waqf (ZISWAF) as Islamic social finance instruments which, if managed optimally and sustainably, can play a significant role in reducing poverty and promoting comprehensive economic independence among communities amid the ongoing challenges of social inequality. The purpose of this study is to explain the strategic function of ZISWAF in strengthening the community’s economy while emphasizing the urgency of professional, transparent, and targeted management for the improvement of public welfare at large. The research method used was library research, evaluating various literature sources such as books, scientific journals, and relevant previous research reports. The collected data was then analyzed using a qualitative descriptive approach to provide an in-depth understanding of the mechanism of economic empowerment through ZISWAF. Research findings show that ZISWAF plays a crucial role in improving economic welfare through a paradigm shift from consumptive assistance to productive assistance programs. Management oriented towards sustainability and transparency has proven effective in promoting economic ind ependence among low-income communities and significantly reducing poverty rates. The implication of this study confirm that strengthening regulations, digitizing management, and improving public literacy regarding ZISWAF are essential. Management institutions must continue to improve their accountability in order to increase public trust, so that ZISWAF can become a key development in the future.

Educational inequality persists across ASEAN despite improvements in enrollment and literacy, reflecting structural rather than merely access-related challenges. This study examines how governance structures, financing mechanisms, institutional capacity, and socio-economic stratification interact to produce disparities in educational access, participation, and progression. Using a qualitative-dominant mixed-methods design with cross-national comparative policy analysis, the research integrates macro-level quantitative indicators with in-depth qualitative evaluation of policy frameworks across ASEAN member states. Findings reveal that while primary enrollment approaches universality, secondary and tertiary education exhibit pronounced attrition, particularly among rural, low-income, and minority populations. Centralized governance, equitable public financing, and targeted support correlate with higher retention and reduced disparities, as evidenced in high-performing systems such as Singapore, whereas decentralized or under-resourced systems exacerbate structural inequities. Moreover, digital access and institutional capacity emerge as critical factors influencing educational trajectories. The study underscores that addressing inequality requires systemic reforms integrating governance coordination, progressive financing, institutional strengthening, and equity-focused interventions. By foregrounding structural determinants and cross-national variation, this research contributes to theoretical and policy debates on educational equity, providing evidence-based guidance for ASEAN strategies aimed at achieving inclusive, high-quality education across diverse socio-economic and geographic contexts.

Compliance in paying contributions is an important factor in ensuring the sustainability of the National Health Insurance (JKN) program, especially in the Non-Wage Workers (PBPU) segment who make payments independently. However, the level of compliance of PBPU participants in Jakarta City is still low, as indicated by the high rate of contribution arrears and the large number of deactivated memberships. This study aims to analyze the factors that influence compliance in paying National Health Insurance (JKN) contributions in the Non-Wage Workers (PBPU) segment in Jakarta City in 2025. The research design used was quantitative with a cross-sectional approach, involving 180 respondents. Bivariate analysis using the Chi-Square test showed that there was a significant relationship between perception and compliance (p = 0.002), income with compliance (p = 0.046), and motivation with compliance (p = 0.000). However, there was no significant relationship between knowledge (p = 0.291) and sanctions (p = 0.103) on compliance in paying contributions. These findings indicate that psychological and economic aspects have a strong influence on driving compliance with JKN premiums. Therefore, efforts to improve compliance need to focus on enhancing positive perceptions, internal motivation, and sustainable income for participants. Perception is the most dominant factor influencing compliance among PBPU participants. Strategies to increase education and improve services are needed to boost compliance and ensure the sustainability of the JKN program.