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This study aims to develop a financial saving application to improve the saving habits of students, particularly in Islamic boarding schools, through an adaptive challenge approach. The system integrates a mobile iOS application with a backend service and Large Language Model (LLM) processing via Ollama. Transaction data entered by users is processed by the backend to generate contextual and personalized saving challenges, applying Reinforcement Learning concepts in an adaptive and data-driven manner. The research adopts a descriptive quantitative method using surveys and system testing with 50 respondents. Results indicate that the application functions as designed, with no significant bugs detected. User evaluation shows high satisfaction, with an average score of 4.3 out of 5, covering ease of use, interface design, and increased awareness of saving. The combination of gamification, reward systems, and adaptive personalization successfully motivates users to save regularly. This system demonstrates the potential of integrating AI-driven personalization to strengthen financial literacy and healthy financial habits among students in a fun and interactive way.methods, and a summary of the results. The abstract should end with a comment about the significance of the results or conclusions brief.

This community service activity aimed to improve financial literacy and family financial management skills based on priority scales among housewives in the pandan mat weaving artisan community in Sei Balai District, Batubara Regency, North Sumatra Province. The main problems faced by the community partners included limited understanding of simple financial record-keeping, the absence of separation between business and household finances, and low saving habits due to fluctuating income levels. The implementation method employed a participatory approach through observation, lectures, interactive discussions, household budgeting practices, and simple financial recording training. The results of the activity indicated that participants experienced an improvement in their understanding of the importance of distinguishing between needs and wants, arranging expenditure priorities, and developing saving habits as well as preparing family emergency funds. In addition, participants also began to recognize the importance of financial record-keeping as an effort to control household expenditures more effectively and efficiently. The participants’ enthusiasm throughout the program demonstrated that the materials delivered were highly relevant to community needs. Therefore, this outreach activity contributed positively to enhancing family financial management capabilities and supporting the economic well-being of the pandan mat weaving artisan community.

This community service activity aimed to improve financial literacy and family financial management skills based on priority scales among housewives in the pandan mat weaving artisan community in Sei Balai District, Batubara Regency, North Sumatra Province. The main problems faced by the community partners included limited understanding of simple financial record-keeping, the absence of separation between business and household finances, and low saving habits due to fluctuating income levels. The implementation method employed a participatory approach through observation, lectures, interactive discussions, household budgeting practices, and simple financial recording training. The results of the activity indicated that participants experienced an improvement in their understanding of the importance of distinguishing between needs and wants, arranging expenditure priorities, and developing saving habits as well as preparing family emergency funds. In addition, participants also began to recognize the importance of financial record-keeping as an effort to control household expenditures more effectively and efficiently. The participants’ enthusiasm throughout the program demonstrated that the materials delivered were highly relevant to community needs. Therefore, this outreach activity contributed positively to enhancing family financial management capabilities and supporting the economic well-being of the pandan mat weaving artisan community.

This study aims to examine the concept of crisis response in the Qur'an and its relevance to medical triage practices in contemporary healthcare settings. The method used is a qualitative approach with thematic interpretation (maudhu’i) of Qur’anic verses related to saving lives, emergency conditions (darurah), justice, responsibility, and human limitations. The analysis focuses on how Qur’anic ethical principles can provide guidance in situations where medical resources are limited and difficult decisions must be made. The results show that the Qur'an offers an ethical framework that emphasizes the priority of saving human life, flexibility in emergencies, justice in decision-making, proportional consideration of benefit and harm, and recognition of human limitations in determining outcomes. These principles are closely aligned with the values of modern medical bioethics, namely beneficence, non-maleficence, autonomy, and justice. Therefore, the Qur'anic perspective can serve as an integrative ethical foundation for medical triage practices, not only in terms of professional and interpersonal responsibility, but also as part of spiritual accountability before God. This research contributes to the development of interdisciplinary studies between Qur'anic studies, Islamic ethics, and medical bioethics.    

This study aims to examine the concept of crisis response in the Qur'an and its relevance to medical triage practices in contemporary healthcare settings. The method used is a qualitative approach with thematic interpretation (maudhu’i) of Qur’anic verses related to saving lives, emergency conditions (darurah), justice, responsibility, and human limitations. The analysis focuses on how Qur’anic ethical principles can provide guidance in situations where medical resources are limited and difficult decisions must be made. The results show that the Qur'an offers an ethical framework that emphasizes the priority of saving human life, flexibility in emergencies, justice in decision-making, proportional consideration of benefit and harm, and recognition of human limitations in determining outcomes. These principles are closely aligned with the values of modern medical bioethics, namely beneficence, non-maleficence, autonomy, and justice. Therefore, the Qur'anic perspective can serve as an integrative ethical foundation for medical triage practices, not only in terms of professional and interpersonal responsibility, but also as part of spiritual accountability before God. This research contributes to the development of interdisciplinary studies between Qur'anic studies, Islamic ethics, and medical bioethics.    

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 integration of policy, curriculum, and school culture in realizing an environmentally friendly school at SDN Tanggul Wetan 2. The study used a qualitative approach with a case study type. The research subjects included the principal, teachers, students, program coordinators, and parents. Data collection techniques were carried out through observation, in-depth interviews, and documentation. Data analysis used the Miles and Huberman model which includes data reduction, data presentation, and drawing conclusions. The results showed that the school policy has integrated environmental care values ​​through the Adiwiyata program supported by external partnerships and periodic evaluations. The curriculum implementation was carried out contextually by integrating environmental materials into various subjects and using project-based learning methods. School culture is realized through habituation of activities such as community service, waste sorting, and energy saving which have an impact on changes in student behavior. Supporting factors include the principal's leadership, teacher participation, parental support, and the school environment, while inhibiting factors include the lack of consistent student habits. Thus, the integration of policy, curriculum, and school culture has proven to be key in building a sustainable environmentally friendly character.

The coal mining industry requires accurate stockpile volume measurements for inventory and production reporting. Conventional methods have limitations in accuracy, efficiency, and safety. This study compares the accuracy and efficiency of coal stockpile volume measurements using a Terrestrial Laser Scanner (TLS) Leica MS60 and an Unmanned Aerial Vehicle (UAV) DJI Matrice 4E, validated by the ASTM D6172-98 standard. Conducted on five Run of Mine (ROM) coal stockpiles covering 13,500 m² at PT XYZ, Lahat, South Sumatra, the TLS method used 43 scan positions, while the UAV employed 430 aerial images with specific flight parameters. Data were processed using Leica Infinity, Surpac, and Agisoft Metashape. The results showed volumes of 94,076 m³ (TLS) and 94,965 m³ (UAV), with a difference of 889 m³ (0.95%). Volume deviations ranged from 0.48% to 1.89%, with an average of 1.42%, all within the ASTM tolerance (<2%). Time efficiency analysis revealed that the UAV method required 200 minutes (3.33 hours), saving 63.3% (approximately 6.17 hours) compared to the TLS method (570 minutes). The largest efficiency gain occurred during field data acquisition, with an 85% reduction in time. This study confirms UAV photogrammetry as a valid, accurate, and efficient alternative for coal stockpile volume measurement in mining.

Inflation and post-COVID-19 economic uncertainty have placed significant financial pressure on low-income workers, including boarding house employees. This study aims to analyze the effects of financial literacy, financial attitude, and economic pressure on personal financial management behavior and financial resilience among boarding house employees in Semarang Regency. A mixed-methods sequential explanatory approach was employed, with the quantitative phase (n=150) analyzed using PLS-SEM, followed by a qualitative phase (n=15) using thematic analysis. Results indicate that financial literacy (β=0.312; p<0.01) and financial attitude (β=0.387; p<0.01) have significant positive effects, while economic pressure has a negative effect (β=-0.256; p<0.01) on financial management behavior. The model explains 52.4% of the variance in financial management behavior. Financial management behavior significantly mediates the relationship between financial literacy and financial resilience. The qualitative phase identified five adaptive strategies: strict budgeting, income diversification, strategic saving, social network utilization, and financial technology adoption. This study contributes to the literature by exploring an understudied population and integrating the economic pressure perspective into financial behavior models.

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.

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.

KIP Kuliah is a government-funded educational assistance program aimed at high school (SMA) graduates or equivalent who demonstrate strong academic potential but face economic constraints. This program is expected to expand access to higher education and help students complete their studies on time without being burdened by financial concerns. However, the effectiveness of KIP Kuliah utilization depends not only on the amount of aid provided but also on students’ ability to manage their finances wisely through the implementation of good money habits This study is a field research using a descriptive qualitative approach. The sample consists of six informants, namely KIP Kuliah recipients at Politeknik Negeri Medan from the 2020–2023 cohorts. The results show that personal financial management among students includes budgeting, controlling expenses, and saving behavior. In addition, several factors influence students’ financial behavior, such as financial literacy, social environment, lifestyle, and individual needs. With proper financial management, KIP Kuliah funds can be utilized optimally to support students’ academic success.

Financial literacy and family readiness are crucial aspects of building a community's economic and social well-being. Poor public understanding of family financial management, financial planning, and mental and social readiness in family life can trigger various economic problems and family conflict. This community service activity aims to improve the community's understanding of financial literacy and family readiness in Madiredo Village, Pujon District, through an educational workshop. The methods used in this activity were surveys and participant observation. Surveys were conducted before and after the workshop to measure participants' level of understanding regarding personal financial management, family financial planning, financial risk management, and readiness to build a harmonious household. Participatory observation was conducted throughout the workshop to determine participants' level of participation, enthusiasm, and interaction with the material presented by students from the Raden Rahmat Islamic University of Malang's Community Service Program (KKN-T). The results of the activity indicate an increase in community understanding of the importance of saving, prioritizing needs, managing family finances, and readiness to face the responsibilities of family life. This workshop is expected to be the first step in sustainably improving the quality of economic and social life in the village community

Floods are the most frequent hydrometeorological disasters in Indonesia and significantly contribute to increased trauma cases and disruption of healthcare services, particularly in vulnerable regions such as Aceh Province. These conditions are exacerbated by limited resources, damaged health facilities, and restricted access to referral centers. This study aims to examine the implementation of early emergency surgical management during flood disasters based on damage control surgery principles and international guidelines. A descriptive qualitative approach was employed through a literature review combined with field observations conducted during the emergency response phase of flood disasters in Bireuen Regency. Data were collected from direct clinical observations, brief interviews with healthcare providers, and documentation of trauma cases requiring early surgical intervention. The results indicate that effective patient stabilization can be achieved despite limited resources through airway, breathing, and circulation (ABC) management, hemorrhage control, wound irrigation, and fracture immobilization using simple and improvised equipment. Approximately 90% of patients were successfully stabilized prior to referral to definitive healthcare facilities. In conclusion, adaptive and timely application of damage control surgery principles plays a crucial role in saving lives and strengthening emergency surgical response during flood disasters.

Low financial literacy among students, particularly in Islamic boarding schools, poses a challenge in fostering early economic independence. At Pondok Pesantren NW Montong Lisung, students generally lack the ability to manage pocket money, maintain financial records, and develop saving habits. This condition underlies the implementation of a community service program aimed at building smart financial habits through financial management education. The method employed a participatory approach consisting of counseling, training, and mentoring stages. Evaluation was conducted using pre-test and post-test, observation, and assessment of students’ financial record practices. The results showed a significant improvement in students’ financial literacy, increasing from an average of 42.5% to 79.5%, along with positive behavioral changes such as increased saving habits and better expense control. These findings indicate that financial management education is effective in improving students’ financial understanding and skills. Therefore, this program is important to be implemented sustainably to support the development of students’ economic independence in the future.

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.

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 paper explores the role of Mary as a model of salvation in Catholic faith, focusing on the understanding of Mariology within the cultural context of the Ende-Lio people in Flores, East Nusa Tenggara. Mary is regarded not only as the Mother of Jesus Christ but also as an example of faith marked by humility, obedience, and hope. Her humility and willingness to accept God’s will, especially in the Annunciation, serve as a concrete inspiration for Catholics to respond faithfully to God’s call. Within the Ende-Lio culture, which values loyalty, solidarity, respect for ancestors, and harmony with nature, Mary becomes a figure closely connected to daily life. Devotions such as the rosary, pilgrimages to Marian grottoes, and the celebration of the Marian months highlight Mary’s living presence in both the faith and cultural traditions of the community. Thus, Mary serves as a bridge between the Gospel and local culture, revealing a Church that is rooted in its own soil yet remains faithful to Christ. This reflection affirms that contextual faith is a living faith deeply rooted in local culture while open to the saving work of God.