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This community engagement program aimed to strengthen community empowerment through legal and financial literacy initiatives designed to support sustainable social development in Uttarakhand, India. The program involved rural and semi-urban communities, including local residents, youth groups, small entrepreneurs, and women’s associations, many of whom demonstrated limited understanding of legal rights, financial management, and sustainable economic practices. These limitations reduced their participation in local development initiatives and community decision-making processes. To address these challenges, the program implemented participatory workshops, legal awareness campaigns, financial literacy training, and mentoring activities over a three-month period involving 60 participants. The findings indicated significant improvements in participants’ understanding of legal rights, budgeting practices, savings management, entrepreneurial planning, and financial decision-making skills. Qualitative results further revealed stronger community participation, increased confidence in social engagement, and improved awareness regarding social responsibility and sustainable development. Participants also became more actively involved in local economic and community activities after completing the program.

The Indonesian Navy (TNI AL) is an important component of the TNI, playing a vital role in safeguarding the nation's sovereignty in Indonesian waters and coasts. Human Resources (HR) are crucial for success in carrying out its duties. The quality of human resources is not limited to education and work experience, but also requires attention to other aspects, including welfare. Homeownership is a key indicator of the well-being of Indonesian Navy soldiers, significantly impacting the lives of Indonesian Navy soldiers and their families. However, Indonesian Navy soldiers often face financial difficulties, opting to purchase a home through a Home Ownership Loan (KPR) despite the high interest rates. Disciplined Savings (Tabplin) is a savings program run by the Indonesian Navy (TNI AL) whose funds can be utilized by Indonesian Navy soldiers to finance urgent needs, including home ownership. However, due to limited information, the utilization of these funds has not been optimal.

The increasing demand for electricity and high dependence on the utility power grid have driven the adoption of photovoltaic (PV) power generation as an environmentally friendly alternative energy source. This study aims to analyze the techno-economic feasibility of a load-sharing PV power generation system, focusing on technical analysis, operational costs, electricity bill savings, and environmental impacts. The research was conducted using quantitative methods to compare energy from photovoltaic generation and the grid, carbon emission calculations using an emission factor of 0,87 kgCO₂/kWh, and economic evaluation through parameters such as Net Present Value (NPV), Return on Investment (ROI), Cost of Energy (COE), and Payback Period (PP). The research results indicate that the photovoltaic panel generation system enables reducing utility grid energy consumption and reducing carbon emissions by 4,85 tons of CO₂ in 2024, increasing to 8,45 tons of CO₂ in 2025. The economic analysis indicates that the NPV value is not yet optimal; however, the ROI stands at 15%, the COE is Rp. 980.08/kWh, and the Payback Period is 6,56 years. The system is feasible for long-term investment. Overall, the implementation of the photovoltaic power plant demonstrates good potential in supporting carbon emission reduction, increasing the utilization of renewable energy, and reducing dependence on fossil-based energy.

This study aims to analyze the influence of product knowledge, corporate image, relationship marketing, and trust on customers’ savings decisions at Bank Syariah Indonesia (BSI) KCP Jakarta Duri Kosambi, as well as examine the moderating effect of word of mouth in the relationship between these variables. The background of this research is based on the relatively low number of customers at BSI KCP Jakarta Duri Kosambi, which only reached 515 customers by the end of 2023, despite the large Muslim population in Cengkareng District, which represents a significant potential market for Islamic banking services. This study employs a quantitative research method using a questionnaire distributed to 100 customers selected through accidental sampling techniques. The data were analyzed using Structural Equation Modeling–Partial Least Square (SEM-PLS) with the assistance of SmartPLS 4.0 software. The results indicate that product knowledge, corporate image, relationship marketing, and trust each have a significant positive effect on savings decisions, as reflected in their respective path coefficients and t-statistics. Furthermore, word of mouth is found to significantly moderate only the relationship between relationship marketing and savings decisions, while its moderating effect on product knowledge, corporate image, and trust is not significant. These findings suggest that BSI KCP Jakarta Duri Kosambi should strengthen marketing strategies focusing on customer knowledge, institutional image, relationship quality, and trust to enhance customers’ savings decisions.  

This study aims to analyze the financial performance of the Obor Mas Kupang Savings and Loan Cooperative using financial ratio analysis, including liquidity, solvency, profitability, and activity ratios during the 2022–2024 period. The research method used is descriptive quantitative, with financial ratio analysis consisting of the Current Ratio (CR), Debt to Asset Ratio  (DAR), Debt to Equity Ratio  (DER), Return on Asset s (ROA), Return on Equity  (ROE), and Total Asset Turnover. The data used are the cooperative’s financial statements, including the balance sheet and the Statement of Remaining Operating Results (SHU). The results show that from a liquidity perspective, the Current Ratio decreased from a very unhealthy category in 2022 and 2023 to a fairly healthy category in 2024, indicating an improvement in managing short-term liabilities. From a solvency perspective, the Debt to Asset Ratio  remained in the very unhealthy category throughout the study period, as total liabilities exceeded total assets, while the Debt to Equity Ratio  showed improvement from less healthy to fairly healthy. From a profitability perspective, both Return on Asset s and Return on Equity  indicate low and unstable performance, falling into unhealthy to very unhealthy categories. From an activity perspective, Total Asset Turnover shows fluctuating performance, experiencing a decline and then improvement, but remaining unstable.

This study is motivated by the importance of effective credit management in ensuring the sustainability of savings and loan cooperatives, particularly in reducing non-performing loans. Differences in credit management practices across cooperatives represent a relevant issue, especially in balancing formal system-based approaches and trust-based social mechanisms. This study aims to analyze and compare credit management practices in preventing loan defaults at Koperasi Murah Hati and Koperasi Patuh Karya in East Lombok Regency. A qualitative approach with a comparative design was employed. Data were collected through in-depth interviews, observation, and documentation involving cooperative management and borrowing members, and analyzed using data reduction, comparative tabulation, and descriptive-analytical interpretation. The findings reveal that Koperasi Murah Hati applies a trust-based approach characterized by simplified procedures without collateral and field verification, while Koperasi Patuh Karya implements a more formal system through administrative verification, feasibility assessment, and collateral requirements. However, Koperasi Murah Hati shows a lower non-performing loan rate (3.7%) compared to Koperasi Patuh Karya (10.5%). These findings indicate that effective credit management is influenced not only by formal systems but also by social factors such as trust and communication.

This study discusses the analysis of the account opening procedure for E-mas Savings through the digital platform BYOND by Bank Syariah Indonesia. The selection of this topic is motivated by the development of digital services in Islamic banking and the increasing public interest in gold investment products based on sharia principles. The purpose of this study is to identify the procedure for opening an E-mas Savings account and to examine its compliance with sharia accounting principles and DSN-MUI Fatwas. This research was conducted at Bank Syariah Indonesia KCP Tegal Sutoyo using data collection techniques in the form of observation, interviews, and documentation. The study employed a qualitative descriptive approach to obtain an in-depth understanding of the implementation of digital-based E-mas Savings services. The focus of the research was directed toward the stages of the account opening procedure, transaction mechanisms, and the application of sharia principles in digital banking services. The results indicate that the procedure for opening an E-mas Savings account has been implemented in accordance with applicable regulations and sharia principles, although there are still obstacles related to the uneven level of customer understanding regarding digital service mechanisms. In addition, the implementation of digital services through BYOND by BSI is considered capable of providing convenience, efficiency, and flexibility for customers in conducting gold investments without having to visit bank branches directly. Therefore, increased education and socialization for customers are needed so that the utilization of E-mas Savings can run more optimally and enhance public trust in digital-based sharia investment products.

This study aims to analyze the diffusion of the SIMPEL-DUKCAPIL innovation in population administration services in Bengkalis Regency. The study employs a descriptive qualitative approach using Everett M. Rogers’ diffusion of innovation theory, which includes five attributes: relative advantage, compatibility, complexity, trialability, and observability. Data were collected through interviews, observation, documentation, and triangulation involving 19 informants consisting of officials from the Population and Civil Registration Office and service users. Data analysis was conducted using the Miles and Huberman interactive model, including data reduction, data display, and conclusion drawing. The results show that SIMPEL-DUKCAPIL provides relative advantages in improving time efficiency, cost savings, and service accessibility, particularly for communities in archipelagic areas. The data indicate 2,311 application users in 2025 with unequal distribution across sub-districts, along with 107 blank spot areas that hinder digital service access. The compatibility and observability dimensions are relatively strong, as the application aligns with service needs and its benefits are directly perceived by users. However, the adoption process remains suboptimal due to challenges in complexity and trialability, including low digital literacy, limited internet infrastructure, technical system issues, and user preference for face-to-face services. This study highlights that innovation diffusion in archipelagic regions is not solely determined by application quality, but also by infrastructure readiness, socialization strategies, and community digital capabilities.

Submarine pipelines are vital infrastructures in aviation fuel distribution, carrying high risks of operational disruption, safety issues, and environmental pollution. In 2025, the aviation fuel receiving submarine pipeline at Integrated Terminal Ampenan was deformed due to mechanical pulling by MT Anargya I, causing system shutdown. This incident created risks of seawater intrusion, marine pollution, and potential fuel shortages at Lombok International Airport. This study evaluates the effectiveness of applying a double-ended draining method combined with an oil bubble trap as a fast, safe, and sustainable solution for submarine pipeline repair. Using a case study and descriptive-analytical approach based on the Continuous Improvement Program (CIP), the research analyzed quality, cost, delivery, safety, environmental, and workforce aspects. The results showed the method effectively drained aviation fuel without seawater contamination, prevented marine spills, maintained fuel quality within specifications, and completed repairs before critical stock levels were reached. Additionally, it provided significant cost savings compared to emergency supply operations and achieved zero safety incidents and environmental pollution. The integration of double-ended draining and oil bubble trap proved to be an effective, adaptive innovation with strong potential for replication and standardization in other aviation fuel submarine pipeline systems.

This study aims to analyze the technical and economic impact of power evacuation work on the 20 kV distribution system at PT PLN (Persero) UP3 East Bali. The main problem studied is the high losses and poor voltage profile on the downstream side of the Kintamani feeder. The method used is load flow simulation using ETAP software with a comparative approach to conditions before and after power evacuation. The results showed that the active losses decreased from 1.017 MW to 0.626 MW (efficiency 38.45%), accompanied by an increase in the end voltage from 16.32 kV to 18.72 kV and 19.38 kV, thus meeting the SPLN 1:1995 standard. The reduction in losses resulted in energy savings of 3,425,160 kWh/year. From the economic side, a payback period (PBP) of 1.40 years was obtained, which shows that the project is financially feasible. In addition, the improvement of network performance also contributes to the reliability of the distribution system and the continuity of the distribution of electrical energy to customers. Thus, power evacuation work has been proven to be effective in improving power distribution efficiency, improving voltage quality, and providing significant economic benefits.

Children in Tambak Osowilangun Village have high access to digital technology, but their digital financial literacy remains very low. Technology is generally used only for entertainment and social media without an understanding of its economic value. This condition is exacerbated by limited supervision from parents, the majority of whom work in the industrial sector, leaving children vulnerable to uncontrolled consumer behavior online. This community service activity aims to equip children in Tambak Osowilangun Village with a basic understanding of modern economics. The main focus is to improve their ability to manage their finances wisely, introduce the concept of digital savings, and develop critical thinking skills so they can distinguish between needs and wants in the technology era. The program uses the Participatory Action Research (PAR) method, which involves the active participation of children through a spiral of stages: planning, action, observation, and reflection. Data was collected through participant observation to monitor the learning dynamics of participants during the educational sessions. The implementation of the activity showed a significant increase in participants' financial understanding. Children became more aware of the risks of digital fraud and began to understand how financial applications work. Through interactive discussion sessions, high enthusiasm was generated, shifting the children's mindset from mere entertainment users to financially savvy technology users. The synergy between students and the community has succeeded in fostering a disciplined and responsible economic character in the young generation in the village.

This study aims to analyze people's online shopping behavior and assess its impact on family economic conditions. The development of digital technology has transformed people's consumption habits, particularly in shopping activities, which are now increasingly practical through online platforms. Easy access, product diversity, and various payment options have made online shopping a dominant trend. However, this convenience also has the potential to foster consumer behavior that impacts financial stability. This study aims to analyze bold shopping patterns and their impact on household financial conditions. The approach used is descriptive qualitative library research, collecting and analyzing data from various scientific journals, articles, and related references. The study findings indicate that online shopping has diverse effects: on the one hand, it offers time and cost savings, but on the other hand, it can lead to waste and indiscipline in family budget management if not supported by adequate self-control. Therefore, an understanding of financial management and digital literacy is crucial to ensure optimal use of technology without harming family economic well-being. Furthermore, this phenomenon requires synergy between digital platform policies and consumer education to mitigate the risk of impulsive buying. This research confirms that psychological factors often outweigh objective needs in digital transactions. As a recommendation, adaptive financial management support strategies are needed for families in this era of disruption to maintain domestic economic resilience against the pressures of a modern lifestyle.

Suboptimal waste management has become a serious problem in local communities, even though inorganic waste has high economic potential if managed wisely. In Tegalsari Village, Ambulu Subdistrict, waste management needs to be strengthened through a financial approach. This community service activity aims to empower the economy of Tegalsari Village residents by revitalizing the management of the waste bank so that it provides direct economic value that can increase household income. The implementation of this activity was carried out through a planning phase that included program coordination meetings, the formation and revitalization of the management structure, educational outreach on the economic value of waste, and a partnership collaboration with the Karya Mandiri Jember Central Waste Bank (BSI). Furthermore, the operational implementation phase includes the sorting of inorganic waste by residents in their respective homes, weighing, recording financial transactions in customer savings books, and transporting the waste to collectors. The results of these activities demonstrate the establishment of a more organized management system and an increase in residents’ active participation in waste sorting. The profit-sharing system for customer savings from waste sales has proven effective in boosting residents’ enthusiasm, enabling the program to tangibly transform waste into income while strengthening the domestic economic resilience of the Tegalsari Village community.

Bank Perekonomian Rakyat Syariah (BPRS) is a financial institution that operates according to sharia principles, focusing on providing financial services to the community, especially micro and medium-sized businesses. The main problem in this thesis is that out of  a total of 1.200 mcro-enterprneurs, only 485 have received financing from BPRS Taeh Baruah. This is because they do not yet have a business licence, so mcro-enterpreneurs prefer to borrow from non-formal financing institutions such as the PNM Mekaar program or farmer groups. This study aims to analyze the role of Bank Perekonomian Rakyat Syariah (BPRS) Taeh Baruah in micro-enterprise development. The research method used is a qualitative method with a descriptive approach. Data collection techniques used are through interviews and literature studies. Informants in this study consisted of 11 BPRS financing staff and 49 micro-enterprise customers at BPRS Taeh Baruah. The research results show that BPRS Taeh Baruah plays a significant role in supporting the development of micro-enterprises through sharia-based financing, particularly by using the murabahah contract, which is the most widely used by customers. Furthermore, BPRS Taeh Baruah also plays a role in increasing sharia financial inclusion by providing savings and financing services, conducting regular literacy and education related to sharia finance, and implementing flexible service strategies such as savings and financing pickup services, the use of mobile banking service. The Taeh Baruah BPRS also play a role in improving community welfare through financing programs provided to micro-enterpreneurs for working capital, enabling their business to grow. The additional capital provided by the BPRS ensures the availability of materials and eqipment for their businesses, thus contibuting to economic stability.

The presence of BUMDes is an important factor in improving the economy and community independence, such as through the village savings and loan program. However, the lack of socialization and inaccurate targeting of program recipients are problems that have implications for BUMDes capital turnover. This study aims to explain the optimization of the savings and loan program in BUMDes in realizing the economic independence of the community of Kalimanah Kulon Village, Kalimanah District, Purbalingga Regency. This study uses a qualitative case-study approach. Data were obtained through interviews, observations, and document analysis. The results show that the BUMDes savings and loan program is able to increase village income and community welfare, although it is still not optimal. In its implementation, there are several obstacles that have the potential to hinder the implementation of this program, including the issue of inadequate human resources, minimal business planning and innovation, and low community participation in loan repayment and BUMDes business management. Therefore, adequate planning by the village government to increase the capacity of managers and community participation, as well as strengthening institutions and collaboration with relevant stakeholders in BUMDes business management are important prerequisites for optimal program achievement. In addition, intensive and ongoing outreach to all levels of society regarding BUMDes programs is needed to ensure BUMDes can more optimally fulfill their role in improving village welfare and independence.

The development of MSMEs in the traditional food sector requires business actors to increase production capacity. MSME Gethuk Lindri Niki Eco plans to build a larger facility to meet increasing demand. However, the layout planning is still based on rough drawings and experience, which can lead to inefficient material movement. This study aims to provide an overview of recommendations for a more efficient production facility layout using the CRAFT method. The research method involves collecting data on production processes, departmental areas, and material movement frequency. Moreover, an Activity Relationship Chart (ARC) is compiled to identify the close relationships among departments. The results of the analysis are visualized with a Block Plan. Furthermore, the layout is optimized using the CRAFT method. The results show that the recommended layout reduces the total material movement distance from 60.96 meters to 58.19 meters or a reduction of 4.53%. In addition, material handling costs also decreased from Rp. 780.64 to Rp. 766.19 or a savings of 1.85%. Thus, the application of the CRAFT method resulted in a more efficient production layout at the Gethuk Lindri Niki Eco MSME.

The transformation of revolving funds from the former PNPM Mandiri program into BUM Desa Bersama entities requires accountable financial management aligned with applicable accounting standards. However, inconsistencies between regulations and accounting practices remain. This study analyzes the recognition and measurement of revolving fund assets at BUM Desa Bersama Ajimas Lestari LKD in Ajibarang and assesses their compliance with Ministerial Regulation of Village PDTT No. 136 of 2022 and SAK ETAP. Using a qualitative case study approach, data are collected through interviews, observation, and documentation involving five internal informants. The results show that asset recognition follows regulations, where revolving funds are recorded as receivables upon loan distribution to Women’s Savings and Loan (SPP) groups at nominal value. However, discrepancies persist in asset measurement and presentation, particularly in receivable classification and the placement of allowance for doubtful accounts under equity. These issues stem from limited human resource capacity, lack of a standardized accounting information system, and weak supervision. Strengthening accounting competence and implementing standardized financial reporting systems are essential to improve accountability and transparency in managing community revolving funds.

This internship report aims to analyze the process of recording and reporting daily teller transactions at the Savings and Loan Cooperative (Koperasi Simpan Pinjam/KSP) Kopdit Tuke Jung. The study focuses on the role of tellers in recording daily financial transactions and preparing transaction reports as the basis for the presentation of cooperative financial statements. The method used is a qualitative descriptive approach with data collection techniques including observation, interviews, and documentation conducted during the internship period. The results of the analysis indicate that daily transaction recording at KSP Kopdit Tuke Jung has been carried out in a computerized manner using the Sikopdit application. Tellers record transactions based on transaction evidence, recap daily transactions, and prepare reports that are then submitted to the bookkeeping department and management. This process is in accordance with the accounting cycle theory, although there are still obstacles such as the potential for data input errors and system disruptions. Therefore, it is necessary to improve teller accuracy and optimize the accounting information system so that the process of recording and reporting daily transactions can run more effectively and accurately.

This descriptive qualitative research analyzed the financial literacy gap among six adolescents in Gorontalo City. They are divided into three groups, namely poor families, families on the verge of poverty, and rich families. This study uses a narrative inquiry approach by looking at the experiences of adolescents and their families in managing finances. The purpose of this study is to show adolescents' practical experience in financial management behavior. This experience became the basis for analyzing adolescent financial literacy in each group. The results of the study show that there are different needs for financial literacy, ranging from the need to survive to efforts to accumulate wealth. Teenagers from poor families tend to implement cost savings and manage money on a daily basis. Meanwhile, teens from wealthy families show a broader understanding, not only managing daily needs, but also starting to learn to plan long-term goals. They are encouraged to set savings targets together in order to realize their dreams and understand the basics of asset management. Groups on the brink of poverty are in the middle and need literacy about financial resilience and the ability to buy goods with the best value. The biggest risk for the wealthy group is impulse buying due to social pressures. Therefore, financial literacy education needs to be differentiated according to the economic conditions of students, ranging from survival to investment and insurance.

This study discusses the implementation of the concept of Islamic insurance in the Amanah Card product at Amanah Takaful Banten. In Indonesia, there are various economic activities such as trade, savings and loans, and Islamic financial institutions. Currently, the insurance sector is growing rapidly in Indonesia. There are two types of insurance in Indonesia, namely Islamic insurance and conventional insurance. However, conventional insurance poses concerns for Muslims due to the presence of elements such as riba (interest), gharar (uncertainty), and maysir (gambling). Therefore, Islamic insurance emerges as a risk protection system that prioritizes Sharia principles. The objectives of this study are: (1) to identify the concept of the Amanah Card product at Amanah Takaful Banten, (2) to examine the implementation of Islamic insurance principles in the Amanah Card product, and (3) to analyze how Amanah Takaful Banten improves the accessibility of the Amanah Card product. This research employs a qualitative approach using a field study method (direct observation in the field). Data were collected through interviews with informants, as well as observation and documentation methods. Data analysis was conducted through data reduction, data presentation, and conclusion drawing. Relevant literature includes theories on insurance, Amanah Card, and zakat management institutions, as well as previous studies that examine the implementation of Islamic insurance concepts in insurance products such as Amanah Card. The results show that the Amanah Card product is categorized as a microinsurance product. It implements Islamic insurance principles, including the use of contracts (akad) and management practices that comply with Sharia principles and do not violate existing regulations. The Amanah Card product can be accessed offline through registration with Duta MT Bertaawun and online through social media and the Amanah Takaful website. In conclusion, the Amanah Card product is considered compliant both from a Sharia perspective and regulatory standards.