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Teenagers today are filled with a number of rapid technological changes and developments. From a financial perspective, teenagers at this stage have a growing ability to understand the principles of saving and spending money, not only the basics, but also long-term goals. The three main areas that parents should focus on are income, savings, and responsible spending (shopping or investment). Problems that often occur in society (including teenagers) are such as wasteful living (lifestyle), online loan debt, and being trapped in online gambling. The emergence of several entertainment venues, cafes, and angkringan makes spending difficult for teenagers to control. The methods used in this service are lectures, simulations, discussions and questions and answers regarding the usefulness and benefits of understanding financial literacy. The results of this service show the different nature and patterns of financial management of teenagers requiring presentation patterns that need to be adjusted. In the implementation of the activity, there were participants (some) who were more enthusiastic or serious about this series of training. Presenters (speakers) require the application of andragogy model learning. This model is intended so that the presenter (material provider) and participants are not bored, comfortable in communicating and feedback appears quickly. In the future, training or workshops will be more directed to more technical or specific, for example capital market investment, mutual funds or other investment models.

The change in marketing behavior from conventional to digital is not balanced by the existence of MSMEs who use digital marketing, even though MSMEs are believed to be able to spur the Indonesian economy. The use of digital technology-based marketing concepts is a hope for MSMEs to develop into centers of economic power. Digital marketing promotional media is expected to be an effective choice for MSMEs in developing their business and reaching national and international markets. Conventional promotional media that require a lot of money and are much more complicated are no longer the main concern for MSMEs because of digital marketing.

Continuous improvements in infrastructure, security measures, and user education can help address these weaknesses and improve the overall effectiveness of QRIS as a digital payment solution. Some of the roles of using QRIS in the millennial generation are convenience. QRIS makes it easy for millennials to make digital payments without the need to carry cash or credit/debit cards. They can simply use their mobile phones to scan the QR code and complete the payment transaction. QRIS transactions are processed in real-time, meaning payments can be completed almost instantly. Many digital payment platforms that support QRIS offer promotions and discounts to users who make payments using their platform. This is especially attractive to millennials who are always looking for ways to save money.

The prospects of Islamic banking in Indonesia, when viewed from the real sector, are quite positive. Because, the operationalization of Islamic education does not matter! interest, and the income comes from the retum for the harvest! for projects financed or margin financing the sale and purchase of goods. In this way, it can be ascertained, that theoretically Islamic banking is very interested in encouraging the progress of the nile sector. The most important thing for Islamic banking is that no matter how advanced and developed it is, it will never leave the real sector, because it is from this sector that banking activities emerge. Unlike the conventional banking system, the monetary sector has grown far away from the real sector of Inl. This is because, with interest, money has shifted from just a medium of exchange to a commodity. 

Locus of control is an individual's perception of who determines his fate, which perception greatly influences the auditor, Locus of control leads to individuals influencing good and bad events in their lives, Accountants are individuals who pursue work in the field of accounting and accountants will be in the spotlight for the public if there is fraud or violations related to finance. An accountant must have ethical behavior to avoid financial fraud, this ethical behavior is important since the accountant was still a student. Accountant ethics have become a very interesting issue, this issue has developed along with the occurrence of several ethical violations that have occurred both by public accountants, internal accountants and government accountants, therefore ethical rules are important things that must be obeyed. Not a few financial scandals that occur are caused by ethical violations by accountants which ultimately lead to a decline in public trust in the accounting profession. This study aims to determine the effect of locus of control, love of money and emotional intelligence on students' ethical perceptions of the accounting profession. This type of research is quantitative descriptive research. The population of this study was students of the Accounting Study Program, Faculty of Economics and Business, University of 17 August 1945 Semarang, class of 2018 and 2019, totaling 102 students. The sampling technique used saturated or census sampling. Data were collected by distributing questionnaires via Google Form as many as 102 and 80 returned so that the response rate was 78.43 percent. The data analysis technique used was multiple linear regression analysis technique. The results showed that locus of control had a positive and significant effect on students' ethical perceptions of the accounting profession, while love of money and emotional intelligence had a negative and significant effect on students' ethical perceptions of the accounting profession.    

Online gambling has become a rapidly growing social issue supported by advancements in digital technology, particularly in Indonesia, with its large population of internet users. Despite being legally prohibited, its popularity continues to rise, creating challenges for law enforcement and significant socio-economic impacts. This study aims to analyze the social and economic dynamics of online gambling actors using a descriptive qualitative method. Data were collected through in-depth interviews and document analysis, then analyzed using thematic coding techniques. The findings reveal that actors, such as Koh Jimmy, learn deviant behaviors through exclusive online communities that provide operational techniques and moral justification. Economic motivation, social support, and gambling systems designed to induce addiction are key drivers of actor involvement. Although aware of legal risks, actors remain engaged due to community influence and substantial financial gains. This study underscores the relevance of differential association theory in explaining actor involvement in online gambling and provides recommendations for preventive policies through technological oversight, social education, and the strengthening of social norms. The results are expected to serve as a foundation for formulating more effective preventive and intervention measures.  

In this research. conducted a study Analysis of Factors Affecting the Performance of Fixed Income Mutual Funds Sharia in Indonesia for the 2019-2023 Period. In this study using Quantitative methods and the data analysis method used is Multiple Linear Regression. Research results The results showed that inflation, exchange rates, and interest rates gave a negative significant value, so it does not contribute well to sharia fixed income mutual funds, while the money supply has a positive effect. while the amount of money in circulation has a positive effect on sharia fixed income mutual funds. The results of the calculation of the coefficient of determination shows that 43.1% of the value of Islamic fixed income mutual funds is influenced by inflation, exchange rates, money supply and interest rates.

Hydroponic plant cultivation is booming, but stock and sales are hard to predict. Poor prediction can cause farmers to overstock and lose money. This study suggests a framework that uses several machine learning models, including Linear Regression (LR), Random Forest (RF), Decision Tree (DT), and Extreme Gradient Boosting. "Ensemble Learning," which combines these models, should yield more accurate and generalizable results than a single model. This framework is assessed using historical hydroponic plant sales data and related factors like price, weather, and market trends. The model's performance is measured by the difference between predictions and actual values using RMSE and MAE metrics. This framework should improve hydroponic plant stock and sales predictions. Farmers can make better production, inventory, and harvest distribution decisions. Besides reducing financial losses, this reduces food waste and improves food security.

Although financial management is a vital life skill, many teenagers lack the knowledge and habits to make good financial decisions. This program aims to fix this by giving teens practical financial management skills and encouraging forward-thinking attitudes toward money.The primary goal is to help participants understand fundamental financial concepts such as budgeting, saving, investing, and debt management. To ensure engagement and practical application, the program uses a mixed-methods approach by incorporating workshops, interactive activities, and real-life case studies. Key findings show that participants' capacity to create budgets, save regularly, and make wise financial decisions significantly improved after completing the program. Additionally, the seminars raised awareness of the significance of financial planning for long-term objectives like business or higher education.This effort has broad ramifications as it helps create a generation of financially educated people who are better equipped to handle financial difficulties and take advantage of opportunities in the future. Similar initiatives in communities and schools throughout the world can be built around this paradigm.

Fintech or financial technology is an alternative path in the financial sector based on information technology. Fintech as an innovation from electronic financing institutions provides many benefits, but on the other hand there are also weaknesses that are still a problem in society, namely data leakage in the fintech system which is implemented electronically. One of the companies that experienced a data leak is PT Fintech Cermati. In Indonesian regulations, preventive and repressive efforts against data leaks have been regulated in OJK Regulation (POJK) Number 77 of 2016 concerning Information Technology-Based Money Lending Services and Law No. 27 of 2022 concerning Personal Data Protection which regulates the Company's obligations in maintaining the confidentiality of its consumer data. This study aims to determine the extent of compliance and responsibility of PT Fintech Cermati for the protection of its consumers' personal data. The research method used in this study is descriptive analytical, namely against data that has been collected as completely as possible through secondary data from relevant literature sources to be discussed and explained systematically with primary data in the form of literature studies with an analytical concept approach method. The results of this study indicate that the company's obligation to comply with the provisions of Article 16 of the PDP Law in conjunction with Article 26 and Article 28 of POJK 77/2016 concerning maintaining the confidentiality of personal and company data can be held accountable in civil and criminal matters.

In the online buying and selling process, the seller becomes the name of the store and the buyer does not know the identity of the seller such as name, address, and even age. Buyers will only know from the name of the store selling the item. The concept of online buying and selling is that you only have information about the name and address of the store, but do not know who the owner of the store is. In the buying and selling process, the buyer chooses the product available in the store and if there are any questions about the product, they can ask the seller via chat. The seller then uses a robotic or human system to answer the buyer's questions. The second pillar and condition is ma'qud 'alaih or a medium of exchange and goods sold. The medium of exchange used in the buying and selling process, both online and offline, still uses the same tool, namely money. The purchase or payment process for online buying and selling can be done through bank transfer through the payment code number that has been ordered. The majority of online stores also offer a wider selection of different types of goods.

Sharia-based monetary policy instruments, such as the Bank Indonesia Sharia Certificate (SBIS) and the Sharia Interbank Money Market (PUAS), contribute significantly to liquidity stability and expand access to sharia banking services. Even though the sharia banking sector continues to grow, the market share of the national banking industry is still relatively small due to low financial literacy, limited infrastructure and global economic challenges. This research highlights the importance of strengthening sharia financial literacy, developing digital infrastructure, as well as collaboration between the government, private sector and Bank Indonesia to overcome these obstacles. Strategic recommendations are provided to increase sharia-based financial inclusion which is expected to become a model for countries where the majority of the population is Muslim.

Inflation is a significant economic challenge in Indonesia, affecting price stability and people's purchasing power. In a sharia economic perspective, inflation is not only seen as an economic phenomenon, but also involves moral and social aspects. This article discusses the role of sharia monetary instruments in controlling inflation in Indonesia, highlighting the principles of fairness and transparency. Instruments such as Bank Indonesia Sharia Certificates (SBIS), Bank Indonesia Sharia Savings Facilities (FASBIS), and Sharia Open Market Operations (OPT) have been implemented to regulate the amount of money in circulation and maintain economic stability. Although their contribution to controlling inflation is still limited, the potential of sharia instruments can be strengthened through increasing market understanding, education and collaboration between the government, Bank Indonesia and sharia financial institutions. With more optimal implementation, sharia monetary instruments can create a stable, fair and sustainable economic system for the Indonesian people.

Converts often experience difficult in participating in Islamic education. In order to better organize Islmic education being studied, it is felt necessary to consider management issues in the educational process. Managemen is very influential in providing knoeledge to converts who want to learn the basics of Islamic education.  One environment that can be used as an alternative to improve Islamic education for converts is the Qur'an Convers Center West Sumatra, this is a organization under foundation of the Qur`an Convers Indonesia in Yogyakarta. Therefore researchers are interested in examining how Islamic education is managed at the Qur'an Center Converts West Sumatra. This research uses a qualitative method where data collection uses interview, observation and documentation techniques, then the data is processed into descriptive descriptions. Islamic education management applied by the Qur'an Convers Center West Sumatra has fulfiled the elements and functions of management. Starting from element of management (Man, Money, Materials, Machines, Methods,). While the  management functions (Planning, Organizing, Actuating, Controling). The inhibiting factors in the Qur'an Convers Center West Sumatra are: the loss of news of converts, converts and coaches who have other activities and still lack funds in terms of operations. Apart from that, there are supporting factors, there are: collaborating with Provincial institutions and other humanitarian organizations, utilizing information technology, and having permanent and non-permanent donors.

Examining how the Islamic monetary system uses money to build a stable and just economy is the aim of this study. Money is not to be hoarded or handled like a commodity, according to the Islamic monetary system, which views it as a public good and flow notion that functions as a medium of exchange and a unit of value. In Islam, money serves primarily as a medium of exchange, a standard of payment, and a gauge of value, speculation and wealth hoarding are prohibited. In contrast to traditional interest-based systems, the Islamic monetary system places a higher priority on mechanisms that allow for profit-and-loss sharing. Because hoarding money can slow down economic turnover and produce stagnation, it is forbidden in Islam. This is because money must continue to circulate in order to preserve economic viability.  QS Al-Hasyr: 7 and QS At-Taubah: 34–35, which explain hoarding of wealth and promote the use of money for the good of society, both highlight this principle of wealth sharing. Using data from pertinent literature and journals, this study employs a qualitative methodology based on literature reviews. Furthermore, This study is expected to provide the groundwork for a more effective sharia monetary policy that encourages equitable and balanced economic growth.

The branch of economics called Islamic monetary policy discusses the nature, function, and impact of monetary policy in a country. Not only the supply and demand of money, this Islamic monetary emphasizes the principles of justice and brotherhood that pursue equality and create equitable distribution of wealth and income. The purpose of this research is to see how the transmission of Islamic monetary policy on the performance of MSMEs in Serang City. To stay competitive or even win the competition, an organization can evaluate its strategy in the face of an ever-changing market. Micro, Small and Medium Enterprises (MSMEs) are very flexible and resilient to the economy, but they have several limitations such as financial capabilities and human resources. To gain a competitive advantage, MSMEs must be able to determine the right strategy. This research uses a descriptive approach by using observation techniques and interviews with MSME actors in Serang City. Based on the results of the study, it shows that the sharia monetary policy applied to the performance of MSMEs in Serang City is very helpful for business actors by providing access to safe capital, effective money management training, and information technology-based marketing training.

Indonesia, as a rule-of-law state (rechstaat), regulates the life of the nation and state based on law, as reflected in the provisions of civil law that govern relationships between individuals, including matters of inheritance. Inheritance distribution in Indonesia follows various legal systems, such as Islamic inheritance law, civil inheritance law, and customary law, each with different principles and rules. Inherited assets include a wide range of properties, such as movable and immovable assets, property rights, debts, money, businesses, and wills. In practice, the distribution of inheritance in Indonesia often involves an administrative process requiring a Certificate of Inheritance Rights (Surat Keterangan Hak Waris or SKHW) to verify who is entitled to inherit and the share each heir is entitled to receive. This study aims to educate the public, particularly customers of Bank Rakyat Indonesia, about inheritance law and the procedures involved. Additionally, the research highlights the crucial role of notaries as Land Deed Officials (Pejabat Pembuat Akta Tanah, PPAT) in the legalisation of inheritance ownership, particularly concerning the management of land certificates and other legal documents. Through community service conducted at the Bank Rakyat Indonesia (BRI) branch in Central Semarang, this study educates the public on inheritance rights and the role of notaries in ensuring the legal validity of inheritance distribution in accordance with applicable laws. Indonesia's plural inheritance law system provides flexibility in choosing the applicable legal system, whether Islamic law, civil law, or customary law. In the case of disputes, notaries play a role in resolving conflicts by creating peace agreements, cancellation deeds, or waivers of claim deeds. This study is expected to help the public better understand inheritance law and the role of notaries in ensuring that inheritance rights are distributed fairly and legally in accordance with the prevailing laws.

This research examines the concept of money from an Islamic economic perspective which is fundamentally different from conventional economic views. In Islam, money is not a commodity that can be traded for profit. Money is a medium of exchange that must be used to support real economic activities and contribute to social welfare. The basic principles of Islamic economics, such as the prohibition of usury, gharar, and maysir strictly regulate the use of money so that it cannot be used for speculative activities that have the potential to be detrimental. This research aims to analyze the role of money in Islamic economics, explore its application in the Islamic financial system, and assess its impact on wealth distribution and economic stability. The research results show that the concept of money in Islam emphasizes justice, ethics and balance in the economy, and can provide a more sustainable alternative compared to conventional financial systems which often pursue maximum profits without paying attention to social impacts. This research concludes that the application of money principles in Islamic economics can support the creation of a fairer and more inclusive financial system and contribute to the overall economic welfare of the people.

The advancement of payment technology has shifted the role of cash to non-cash systems. Generation Z plays a significant role in the adoption of this technology. One of the innovations introduced by Bank Indonesia is the Quick Response Code Indonesian Standard (QRIS), launched on August 17, 2019, to support digital payments through server-based e-money applications, e-wallets, or mobile banking. This study aims to analyze the factors influencing QRIS usage behavior among Generation Z based on the Unified Theory of Acceptance and Use of Technology (UTAUT). The study employs a quantitative method involving 275 respondents collected through an online questionnaire. Data are analyzed using SmartPLS. The results show that performance expectancy, facilitating conditions, and social influence have a positive influence on QRIS usage behavior. In contrast, effort expectancy does not have an influence. These findings are expected to support strategies for increasing QRIS adoption among Generation Z.

This article analyzes the role of Islamic banks in supporting monetary policy in Indonesia and its impact on national economic stability. Using library research methods, this research examines relevant literature regarding the development of the sharia banking sector and sharia-based monetary instruments. The research results show that Islamic banks make a significant contribution to stabilizing inflation, increasing financial access, and managing liquidity through instruments such as the Bank Indonesia Sharia Certificate (SBIS) and the sharia interbank money market. In addition, Islamic banks play a role in providing financing for micro, small and medium enterprises (MSMEs), which is important for inclusive economic growth. Nevertheless, challenges such as low sharia financial literacy and limited policy instruments need to be overcome to maximize the contribution of sharia banks to monetary policy. This research is expected to provide in-depth insight into the potential and challenges faced by Islamic banks in supporting the stability of the Indonesian economy.