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This study is motivated by the irresponsible use of paylater services, which is influenced by factors such as financial literacy, risk perception, and trust. The purpose of this research is to examine the impact of financial literacy, risk perception, and trust on students’ decisions to use paylater services at the Faculty of Economics and Business, Selamat Sri University. A quantitative survey method was employed, targeting a sample of 107 students from the 2020 cohort who actively utilized paylater services. The findings reveal that financial literacy significantly and positively influences the use of paylater services. Similarly, risk perception and trust also exhibit significant positive effects on paylater usage.

Elderly people have a high risk of suffering from degenerative diseases, one of which is metabolic disorders. This is more widely recognized by the elderly when they are already in severe condition and with complications so that it has an impact on various aspects including increasing morbidity and mortality rates, as well as decreasing quality of life of the elderly and decreasing ability of the elderly to carry out daily activities. Metabolic disorders are caused by increased blood glucose levels in the body known as Diabetes Mellitus (DM) which is one of the health problems of the ten diseases that cause death and disability globally. The implementation of community service activities for Preventive Efforts for the Elderly in Diabetes Mellitus through several stages, namely the survey and field observation stages and counseling for Preventive Efforts for the Elderly in Diabetes Mellitus counseling is carried out for approximately 90 minutes, as well as evaluations in the form of pre-tests and post-tests. The provision of education was carried out on Wednesday, November 14, 2024 at the Antara Health Center, the number of participants was 32 people. Based on the results of the knowledge of the elderly before and after the counseling for Preventive Efforts for the Elderly in Diabetes Mellitus, it was found that 15 elderly people had sufficient knowledge and 17 elderly people had insufficient knowledge. After conducting counseling on Preventive Efforts for the Elderly in Diabetes Mellitus, the results obtained were a sufficient increase of 30 and less than 2 elderly. This means that community service on Preventive Efforts for the Elderly in Diabetes Mellitus is very effective in the elderly in order to prevent an increase in glucose levels. Counseling on preventive efforts for the elderly in diabetes regarding these degenerative diseases is very necessary so that the elderly maintain their health better. The elderly are expected to be able to understand about efforts to prevent and treat degenerative diseases in the elderly with diabetes. Hopefully this community service can be a reference for researchers and further community service, as well as the community.

Village regulations are set out in Law No. 6/2014, which explains that a village has the authority to regulate and oversee the needs of the community, including the authority to manage their own finances. By law, the village government is required to report to the government on its performance as a result of this financial management authority. In its implementation, village financial management must be considered because it is very important. In the management of village finances, there are possible administrative and substantive risks that can lead to legal problems due to the less than optimal capacity of village officials in preparing reports and making reports on financial responsibilities. Seeing Permendagri Number 20 of 2018 regarding efforts to manage village finances starting from planning to accountability. This community service program is intended to provide training and knowledge for village officials in Bumijawa District on how to compile accountable, orderly, participatory, orderly, disciplined, and transparent financial reporting based on applicable regulations. In addition, this community service helps minimize the occurrence of financial irregularities in the future so that village financial managers can avoid things that are against policy

This study analyzes the procedures for employee payroll documentation and data transfer at PT PLN Nusantara Power Services to enhance the efficiency and accuracy of human resource (HR) administration. Using a descriptive qualitative method, data were collected through library and field research. The findings indicate that digitalizing HR administration improves operational efficiency, transparency, and compliance with regulations. Digital transformation also minimizes errors and supports data risk management. The author's internship experience highlights the importance of responsibility and accuracy in data management to meet professional standards. This research contributes to the development of technology-based administrative systems in the energy sector.  

Hypertension is the leading cause of premature death worldwide. To reduce the risk of hypertension, what needs to be done is hypertension treatment as an effort to control hypertension, one of which is non-pharmacological treatment, usually carried out by implementing the use of pandan wangi plants. Pandan wangi is a plant whose leaves are often used as a food additive. The purpose of implementing Community Service activities in Lorong Putri is to increase public awareness, especially the elderly, about Hypertension and the treatment of Hypertension with traditional medicine. Using the method of providing education and question and answer discussions related to dangerous conditions and efforts to prevent hypertension, participants in this activity were carried out on October 7, 2024 at Lorong Putri, Air Besar Health Center Work Area. totaling 20 people. During the Education Process, participants listened carefully and provided good feedback, in the form of benefits and how to consume boiled pandan leaf water, and whether it can be boiled together with drinking water at home, and all questions from participants can be answered well. With questions and answers from participants, participants can better understand hypertension and how to treat it with traditional medicine.

Islamic insurance is one of the Islamic financial instruments designed to provide financial protection based on sharia principles, such as mutual help (ta'awun) and risk-sharing. As a country with the largest Muslim population in the world, Indonesia has great potential to develop this industry. Over the past five years (2018-2022), the sharia insurance industry in Indonesia has shown consistent growth, reflected in an increase in gross contribution from IDR 12 trillion in 2018 to IDR 16 trillion in 2022. However, the market share of Islamic insurance remains small compared to conventional insurance, with key challenges including limited market scale, lack of product innovation, low public literacy in Islamic finance, and intense competition with conventional products. This article aims to analyze these challenges and formulate development strategies that can be implemented to strengthen the competitiveness of Islamic insurance in the global market. This research uses a qualitative approach based on secondary data analysis obtained from industry reports, scientific journals, and official publications. The results show that the main strategies for development include product innovation oriented to the needs of the global community, digitization of services to improve efficiency and accessibility, public education to increase Islamic financial literacy, strengthening regulations to create a conducive business environment, and strategic collaboration with international financial institutions to expand market networks.

Financial literacy is an individual's ability to understand, analyze, and use financial information to make effective decisions. In the context of Islamic finance in Indonesia, low financial literacy is a major challenge in increasing financial inclusion. Islamic mutual funds, as one of the sharia-based investment instruments, offer an opportunity to bridge the gap between financial literacy and inclusion. Islamic mutual funds have the advantages of transparent sharia principles, wider accessibility, and diversified risks. This study aims to explore the role of Islamic mutual funds in increasing public financial literacy while encouraging Islamic financial inclusion. The methodology used includes secondary data analysis, surveys, and interviews with stakeholders, such as financial industry players, regulators, and the community. The results of the study show that education about Islamic mutual funds can consistently increase public understanding of Islamic financial products. In addition, Islamic mutual funds also have the potential to expand public access to Islamic financial services, especially among the younger generation and underserved groups. Integration of financial literacy programs based on sharia mutual funds with the support of regulations and digital technology can be a strategic step to strengthen the sharia financial ecosystem in Indonesia, thereby supporting more inclusive and sustainable financial inclusion.

The cross – border fintech payment industry faces many cybersecurity issues, including the possibility of data theft, fraud and low efficiency due to reliance on conventional intermediaries. Based on decentralized and cryptgrahpic system, blockchain technology can improve the security and efficiency of cross – border payments. The purpose of this study is to see how the implementation of blockchain affects the transparency, speed and cost of transactions. Using literature studies and case analysis, it was found that blockhain technology can reduce the risk of fraud by making institutions transparent and immutable. In addition, it allows for automated payments through smart contracats, scalability, regulation and technology adoption are some of the challenges that still hinder its implementation. The results of the study show that blockchain is an innovation strategy that has the potential to transform payments across the fintech sector, but it requires synergy between technology, policy and industry players for optimal implementation.  

This research aims to measure the accelerated level of understanding of Islamic Banking students at STAIN Mandailing Natal regarding Islamic banking systems and products through online media. The method used is a quantitative descriptive approach with primary data analysis. The research results show that students' understanding has increased significantly, as measured through pre-test and post-test. The average pre-test score was 56.47, while the post-test reached 62.82. The post-test t-value of 4.462 exceeds the t-table of 1.740 with a significance value of 0.000, which shows the results are significant at the 5% level. These findings indicate that learning through online media is effective in increasing students' understanding of sharia banking systems and products. It is hoped that this research can contribute to the development of learning methods in the field of sharia banking.

Foreign debt (ULN) is one of the important issues in the dynamics of the global economy, especially for developing countries. This study aims to analyze the causal factors, conditions of ULN in Indonesia, and its impact on the economy. Qualitative research methods with a literature approach were used to collect data from various written sources. The results of the study indicate that the factors causing ULN in Indonesia include the inability to provide sufficient development funds, an imbalance between investment and savings, and dependence on imported goods. The impact of ULN on the Indonesian economy is divided into positive and negative impacts. The positive impacts include effective sources of development financing, recognition of the country's ability to pay off debt, the establishment of relations between countries, and encouragement of domestic policy improvements. The negative impacts include the burden on the APBN, reduction in spending strategies, the influence of creditor countries in policy making, and the stigma of being a failed state. The study concludes that ULN in Indonesia needs to be managed wisely by considering long-term risks. Some recommended solutions include delaying principal debt payments, changing payment obligations, and reducing principal debt. This study provides important information for policy stakeholders and the Indonesian public in understanding the importance of wise ULN management to encourage sustainable economic growth and improve people's welfare.

Companies face new challenges in maintaining compliance with business ethics in the digital era which is characterized by technological advancements and globalization. It is essential to implement business laws to ensure that the company's practices not only comply with applicable regulations but also follow high moral standards. The study looks at how business law can help with ethical compliance in the digital environment, including data protection, transparency, and social responsibility. Using case studies from various industries, this study shows that consistent application of business laws and ongoing ethical counseling can create a strong culture of compliance. As a result, the company can not only reduce legal risks but also build a good reputation in the eyes of the public and consumers.

This study aims to analyze and compare the financial ratios of three mining companies, namely PT Aneka Tambang, PT Adaro Energy, and PT Baramulti Suksessarana, in assessing company stability and growth. The analysis was conducted using a qualitative descriptive approach by utilizing financial ratio data such as liquidity, activity, solvency, profitability, and market in the 2019-2023 period. The results show that PT Aneka Tambang excels in liquidity stability, PT Baramulti Suksessarana has high efficiency in asset utilization, and PT Adaro Energy offers great growth potential with significant fluctuations in profitability. This research provides strategic insights for investors in selecting mining companies according to risk profiles and investment objectives, as well as a reference for academics in understanding the dynamics of the financial performance of the mining sector

The liquidation of a subsidiary in the banking sector is a strategic step with a significant impact on the financial performance, reputation, and sustainability of the parent company. This study aims to analyze the factors that drive liquidation, both internal such as financial performance, mismanagement, and legal compliance, as well as external such as market changes, natural disasters, and globalization pressures. Data were collected through academic literature review using qualitative approaches and data triangulation to improve the reliability of the results. The results of the study show that poor liquidity management, both due to internal and external factors, is the main cause of liquidation. The impact on the reputation of the parent company is dualistic: on the one hand it increases operational efficiency, but on the other hand it risks creating negative perceptions, such as management failures or employee losses. Therefore, companies must strengthen financial management, utilize technology to monitor cash flow in real-time, and develop flexible risk policies. Transparent communication with stakeholders is also important to minimize reputational impact. This study shows that effective liquidity management supports operational efficiency and increases public confidence, customers, and regulators, relevant for both Islamic and conventional banking in dealing with market dynamics.

This research aims to examine the impact of QRIS (Quick Response Code Indonesian Standard) on students' shopping habits in the digital era, focusing on students at STIA Lancang Kuning Dumai. This study uses a qualitative approach with in-depth interviews and focus group discussions (FGD) to explore students' experiences and perceptions regarding QRIS use in their shopping activities. The findings indicate that QRIS has provided students with convenience, efficiency, and security in digital transactions, although some students face barriers related to technological literacy and network issues. QRIS has influenced shopping habits by encouraging more online shopping. These findings contribute to understanding the role of digital payment systems in changing students’ consumption behavior.

Physiotherapy is a form of health service aimed at individuals and communities. The scope of physiotherapy services is to develop, maintain, and restore movement and body function throughout the life span. This service can be done through a promotive, preventive, curative, and rehabilitation approach. One of the many cases of physiotherapy is musculoskeletal complaints. Musculoskeletal complaints can occur due to habits carried out during work. If the body position is not correct and maintained for a long duration, it can trigger the emergence of musculoskeletal complaints. Work that lasts for a long time will decrease a person's body ability and can cause complaints and disorders in the body, especially musculo problems, one of which is neck pain. Neck pain is a multifactorial disease and is a major problem in society today. Some risk factors for neck pain, such as old age, female gender, low social support, and non-ergonomic work postures. The method of community physiotherapy activities used is to provide health promotion counseling and education regarding physiotherapy management in the form of stretching that can be done independently. The media used are leaflets and posters. The purpose of this counseling is to provide education and physiotherapy treatment related to neck pain in Keripik Tempe Sanan workers so that they can improve the complaints that have been felt and minimize the occurrence of injuries.

Physiotherapy is a form of health service aimed at individuals and communities. The scope of physiotherapy services is to develop, maintain, and restore movement and body function throughout the life span. This service can be done through a promotive, preventive, curative, and rehabilitation approach. One of the many cases of physiotherapy is musculoskeletal complaints. Musculoskeletal complaints can occur due to habits carried out during work. If the body position is not correct and maintained for a long duration, it can trigger the emergence of musculoskeletal complaints. Work that lasts for a long time will decrease a person's body ability and can cause complaints and disorders in the body, especially musculo problems, one of which is neck pain. Neck pain is a multifactorial disease and is a major problem in society today. Some risk factors for neck pain, such as old age, female gender, low social support, and non-ergonomic work postures. The method of community physiotherapy activities used is to provide health promotion counseling and education regarding physiotherapy management in the form of stretching that can be done independently. The media used are leaflets and posters. The purpose of this counseling is to provide education and physiotherapy treatment related to neck pain in Keripik Tempe Sanan workers so that they can improve the complaints that have been felt and minimize the occurrence of injuries.

The purpose of this research is to develop a data search system for thesis and internship reports at the Faculty of Engineering Library of Gajah Putih University Takengon (UGP). This search engine will be created and used to help students and library employees access thesis and internship report information. Analysis of user needs, system design, creation of effective search algorithms, and evaluation of system performance are all topics that will be discussed in this thesis. Interviews with potential users, satisfaction surveys, and historical data collection of library usage are the methods used. It is expected that the results of this research will help library users find and retrieve thesis and internship report data and improve the accessibility and availability of academic information at the UGP Faculty of Engineering. When search engine technology is used, it is expected that the time required for Information will increase productivity, improve efficiency, and support the academic development of students at UGP.

This study aims to analyze the implementation of credit risk management in Islamic banking, which is a crucial aspect in maintaining business stability and sustainability. The research focuses on identifying credit risk control strategies, such as supervisory oversight by the board of commissioners, risk management policies, and internal control systems. The research method used is a literature review, examining various sources, including journals, books, and official documents. The article shows that credit risks in Islamic banking arise from customers' failure to meet payment obligations and involve concentration and counterparty risks. Islamic banks apply several strategies to address non-performing loans, such as rescheduling, restructuring, reconditioning, and, when necessary, collateral seizure. The implementation of credit risk management helps banks reduce potential losses and improve operational efficiency. Effective credit risk management enables Islamic banks to mitigate losses and maintain customer trust while adhering to Sharia principles and OJK regulations. With the right strategies, Islamic banks can ensure financial stability and sustain long-term growth..

BNI Fleksi Credit is a KTA facility offered to employees with fixed income for consumption purposes. The procedure for granting BNI Fleksi credit by Bank BNI Branch. Fatmawati still has problems, one of which is not providing physical collateral and there are still prospective debtors who do not understand the terms and conditions in applying for BNI Fleksi credit facilities. The purpose of this study is to find out what are the terms and conditions in applying for BNI Fleksi credit, to find out how the implementation of BNI Fleksi credit provision, to understand the various obstacles in the process of granting BNI Fleksi credit by Bank BNI Fatmawati Branch. The study method used is descriptive qualitative method. The result of the study shows that, 1) BNI Fleksi credit that has been implemented runs quite well and has been in accordance with the procedures and provisions, however, there are still some obstacles faced, one of which is the completeness of document requirements as support in the process of granting BNI Fleksi credit has not met the requirements. 2) In BI Checking, there are still prospective debtors who have arrears at various banks. 3) BNI Flexi Credit customers experience delays in paying principal and interest installments due to the company being late in paying salaries to employees, this has an impact on installment payments and the occurrence of collectibility which is the possibility of not receiving back the loan that has been given. 4) Refusal to provide BNI Flexion to prospective debtors because they do not guarantee themselves with credit insurance that can protect the risk of inability to pay, death, bankruptcy, termination of employment, repayment of remaining credit interest and arrears, and also simplify the loan application process.

This article discusses risk management from the perspective of Islamic economics, with a case study on Swalayan Al-Fatih in Sumenep Regency. The research was conducted to address several issues, including: 1) What are the internal and external risks faced by Swalayan Al-Fatih in its daily operations? 2) What risk mitigation strategies can be implemented by Swalayan Al-Fatih from the perspective of Islamic economics?. In this thesis, the researcher employs a qualitative research method. Qualitative research is a procedure that produces descriptive data in the form of written or spoken words from people and observed behaviors. To collect data, the researcher uses interview and observation techniques. Data analysis is carried out through data reduction, data presentation, and data verification. Based on this orientation, the research findings indicate that the risks faced by Swalayan Al-Fatih include internal risks such as conflicts among employees, lack of skills, and low employee loyalty. External risks, such as intense competition, unsold products, as well as environmental and natural factors, were also identified. In conclusion, the risk management strategy according to Islamic economics is based on the Qur'an and Hadith, as taught by Prophet Muhammad SAW. The strategy implemented by Swalayan Al-Fatih meets several criteria of Islamic economics.