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Working capital products are one of the products offered and distributed by the State Savings Bank, Medan Sharia Branch Office, which is in great demand by customers because human needs are unlimited. This research uses qualitative research with the data used is secondary data, namely through literature study. The benefit of doing working capital financing at a bank is being able to finance the company's daily expenses or operations. With sufficient working capital, the company will operate economically and efficiently and not experience financial difficulties. The aspects of working capital financing at BTN Syariah are due to interest from customers and factors such as superior service, processing speed, competitive profit sharing ratio, as well as the availability of desired funds, margins, third party funds, and non-financing. performance financing which is an aspect of working capital financing at BTN Syariah KC Medan bank.  

Knowledge of finance, understanding of religiosity and security are three aspects that can influence a person's decision to make savings. By understanding these three aspects, it is hoped that the millennial generation will become a generation of quality for the progress of the nation and state. This research is a descriptivequantitative research using primary data. The sample used in this study was 95 millennial generation respondents. Data were obtained by distributing questionnaires both in person and online to respondents who met the qualifications as millennials or those born in 1990 to 2000. The data that was obtained was then processed with statistical software tools, namely SPSS version 26. The results in this study based on the regression test are: first, partially, the financial literacy variable has no influence on saving decisions. Second, partially, religiosity does not have a significant influence on the decision to save in Islamic banks. Third, partially, security has a significant influence on the decision to save in Islamic banks. And fourth, simultaneously, financial literacy, religiosity and security variables significantly influence the decision to save in Islamic banks.

The advancement of Industry 4.0 demands production systems to operate more efficiently, adaptively, and securely in facing global challenges. One promising technology that addresses these needs is the Digital Twin (DT), a digital representation of physical systems that enables integration between the real and virtual environments. Through DT, production processes can be modeled, monitored, and tested in real time, allowing for evaluation and optimization before implementation in actual systems. This study aims to explore the effectiveness of DT in modeling automated industrial systems, particularly in relation to improving production efficiency, quality control, energy savings, and operational safety. The research employed an experimental approach based on simulation within a robotic production line consisting of machines, sensors, actuators, and conveyors. The research stages included identifying system components and workflows, developing a DT model that integrates physical and virtual layers with Internet of Things–based data connectivity, and conducting simulations representing diverse operational scenarios. The findings indicate that DT implementation enhances operational efficiency, reduces production errors, and optimizes energy utilization. Furthermore, DT proves effective in strengthening safety aspects by enabling early detection of potential disruptions and providing preventive recommendations before significant impacts occur. Compared to conventional simulations, DT offers a more realistic, adaptive, and relevant approach to the needs of modern industry. The implications of this study highlight DT’s strong potential to become a new standard in the development and control of automation-based production systems, driving the creation of smarter, more efficient, and sustainable industries.

This study aims to increase savings intentions, especially for people who work as traders in the market by using a strategy, namely a pick-up strategy. The method used in this research is a qualitative method with an exploratory descriptive approach. .The results of the research show that the financial management of traders in the Gemblegan market is still relatively poor, so in this case banking agencies take a role so that people's needs can be met, namely by implementing a pick up strategy. Based on the results of interviews conducted with three traders, they stated that by implementing this strategy they felt their desire to save was getting higher and their needs were also helped by the results of implementing the pick up strategy.  

KSPPS Fastabiq Khoiro Ummah Tambakromo branch is one of the KSPPS Fastabiq Khoiro Ummah branch offices located in Tambakromo district, Pati district. The aim of this research is to find out whether the variables of service quality and employee performance affect the satisfaction of members of the KPPS Fastabiq Khoiro Ummah Tambakromo branch. The method used is associative because it aims to determine the cause and effect of two or more variables. The sample was obtained from 100 respondents, savings members of the KSPPS Fastabiq Khoiro Ummah, Tambakromo Branch. The questionnaire method is the sampling technique used. Data is processed using reliability tests, validity, multiple liner regression tests, simultaneous tests. From the results of statistical tests there is a positive and significant influence simultaneously on the variables of service quality and employee performance on KSPPS member satisfaction. Fastabiq Khoiro Ummah Tambakromo branch is proven by an Fcount value of 133,016 and a significance level of 0.000 which is smaller than the significance level of 0.05, because Fcount is greater than Ftable which is 2.36. So it can be decided that the hypothesis is accepted which states that there is a significant influence and simultaneous between service quality and employee performance on member satisfaction of KSPPS Fastabiq Khoiro Ummah Tambakromo branch.

This community service activity shows that the Puskad business incubator as part of the community can remain closely connected with the community that gave birth to it. For example, the problem of poverty which continues to haunt social life must continue to be eradicated. This can be alleviated, for example, by entrepreneurship or business development. Meanwhile, business development continued to develop over time, resulting in the rise of social media. With this service, we can see that people must share knowledge and experience with each other so that we can develop together. Therefore, answers from academics to problems and society can be displayed here. Using the participatory action research method, it was found that the way to increase the younger generation's understanding and knowledge of social media is to start with interaction. The differences that arise from social media training can be seen through the accuracy of conveying information to the appropriate target audience, equipment and communication facilities between creative actors, and budget conditions to meet the training and creativity needs of the community. The results of content creator training for entrepreneurs are: 1) Improved Communication Skills; 2) Increased Brand Awareness; 3) Increase interaction with customers; 4) Increase Conversions and Sales; 5) Marketing Cost Savings

The cigarette industry is an industry that has an important role in the economy and employment. The objectives of this research are (i) to determine the share of female workers compared to male workers at the Tunas Mandiri Cigarette Factory; (ii) To find out the benefits obtained by female workers in helping their household economy. The method used is a qualitative method supported by primary data, namely sourced from interviews. The results of this research are (i) The share of workers at the Tunas Mandiri Cigarette Factory, female workers, is greater than male workers, in 2023, namely the share of female workers will reach 95.4% and the share of male workers 4.6%; (ii) Women workers receive various benefits that are useful in helping their household economy, namely for school fees, for paying motorbike loans, for paying bank installments, for saving, for daily food costs. The implication of this research is to provide information and references that women can help their household economy by working in various industrial sectors.  

Kartika Muda Orphanage, is one of the children's orphanages in Medan City, North Sumatra, located at Jalan Sunan Kalijaga/ Ampera Manunggal Pasar 6. Kartika Muda Orphanage has 25 children with an age range of 6 - 15 years. The aim of this service is to improve the financial literacy skills of the children of the Kartika Youth Orphanage through an introduction to money and its functions, an introduction to financial institutions and the concept of saving. In this service, the PKM Team found that the children of the Kartika Youth Orphanage did not know how to manage their finances well and did not have awareness of the importance of saving.

Community Service is one of the implementations of the Tri Dharma of Higher Education, aiming to apply students’ academic knowledge directly within society. This activity was carried out by fifth-semester students of the Islamic Banking Study Program through the organization of the Festival Ramadhan Ceria at SDN 1505 Pasir Julu. The program aimed to instill Islamic values, enhance basic understanding of Islamic finance, and foster religious and social character among elementary school students during the month of Ramadan. The implementation method employed an educational and participatory approach through various activities, including Islamic competitions, educational games, simple counseling on saving based on Islamic principles, and socio-religious activities. The results of the program indicated increased enthusiasm and active participation among students, improved understanding of Ramadan values, and early awareness of Islamic financial concepts. In addition to benefiting the students, this community service activity also served as a practical learning experience for university students in developing soft skills, leadership, teamwork, and social awareness. Therefore, the Festival Ramadhan Ceria proved to be an effective medium for strengthening the relationship between higher education institutions and the community, while also contributing positively to the character development of elementary school students.

A company's success or failure is determined by the strategy, theory and marketing management applied. This research was conducted to find out what marketing strategies for easy mudharabah savings products are used by Bank Syariah Indonesia KCP Medan Juanda to increase the number of customers. This research uses descriptive qualitative analysis methods, using primary data, namely the researcher took data directly by interviewing the Marketing Funding BSI KCP Medan Juanda and secondary data secondary data obtained from documents, scientific journals, books and literature related to the research problem. The results obtained were that BSI carried out a marketing strategy, one of which was by implementing the 4p marketing mix, namely (product, price, promotion, place). BSI must be able to estimate strategic locations, collaborate with other agencies, expand market share, improve quality and innovate.    

This study aims to determine: (1) The Effect of Promotion on Customer Saving Interest at Bank Muamalat Kab. Kolaka (2) The Effect of Service Quality on Customer Saving Interest at Bank Muamalat Kab. Kolaka This research uses an approach with Quantitative methods, Data collection in this study using Observation, Literature Study and Questionnaire Distribution. The population of this research is customers and prospective customers who are in Kolaka Regency. While the sample of this study amounted to 98 people. Testing this research instrument using the Validity Test and Reliability Test with SPSS 25.0. The data analysis technique used in this study is the measurement model test (outer model) and structural model testing (inner model) with Smart PLS 4.0.Based on the results of the study, it is known that there is a positive and significant influence between the Promotion variable on Saving Interest, which is indicated by a t-statistic value of 6,100 with a P-Value of 0.000 and the Service Quality variable also has a positive and significant effect on Brand loyalty, which is indicated by a t-statistic value of 2,042 with a P-Value of 0.021.

The purpose of this service activity is to provide counseling related to the importance of financial literacy to farming communities in Tabadamai village, South Jailolo District; The method of devotion is; using FDG method: Lecture, Practice and Participant Mentoring. To design financial planning, the resource person conveyed that wants and needs must be separated, and can use empty land in the yard of the house, plant kitchen needs in the form of rica, tomatoes and vegetables, so that the distribution of consumption needs can be suppressed, this can add to the increase in seving.savings for the long term, in the form of children's education, ordinary illness and old age.  

The habit of storing the harvest in the form of nutmeg is something that has become a culture among the people of Morela village, Leihitu District, Central Maluku Regency. This research will examine theoretically the economic variables that influence the storage of dry nutmeg seeds by farming households. To analyze the relationship between variables that cause savings choices, an inter-time model is used. The choice is based on the meaning of the present and future times. If the present time is more meaningful then farmers will sell the nutmeg seeds they have and conversely if the future time is more meaningful it will increase the amount of nutmeg savings. The variables included in this research are relative price variables, current income and future income. This research uses primary data through interviews and questionnaires. The samples taken based on the purposive random sampling method were 75 farmers in Morela village. To analyze the magnitude of the influence of the independent variable on the dependent variable, cross-section regression was used using the Eviews tool. The results of the research show that the price variables at harvest, the estimated future price of cloves, and future consumption influence the clove savings of farmer households.

The aim of this research is to determine the role of IB Makbul smart savings in increasing DPK, which is located at PT Bank Sumut Capem Syariah HM Joni. The research uses quantitative methods. The population of this research is all employees at Bank Sumut CAPEM Syariah HM JONI Medan, totaling 13 people. The sampling technique in this research was to use a saturated sampling technique (total sampling). Based on the results of the Kendall's Tau B test above, the significant value is 0.114 > 0.05 which indicates that the relationship between the Smart Ib Makbul savings variable and the third party funds (DPK) variable is not significant or in other words there is no/sufficient relationship between the variables. The three interpretations in the Kendall's Tau-B correlation test above, a conclusion can be drawn that "the relationship between Smart Ib Makbul savings and third party funds (TPF) is not significant, sufficient, and in the same direction.

This study aims to examine the effect of corporate social responsibility and capital intensity on tax evasion by using research samples of mining sector companies listed on the Indonesia Stock Exchange in 2019 - 2020. The taxes levied by the state function as the main source aiming to finance public expenditures and function as a tool to regulate and implement policies in the social and economic fields and to be used for the greatest prosperity of the people and the people. The phenomenon of tax avoidance in Indonesia can also be seen from the tax ratio (Tax Ratio). Tax collection performance can be seen from the ratio of taxes collected by the state. Tax avoidance is a saving on the amount of tax payable, individual and corporate taxpayers use the weak points of existing tax rules, in carrying out their tax management. Tax avoidance is also associated with tax planning, both of them use legal means to reduce or even eliminate tax obligations, but from a tax policy point of view, neglecting tax avoidance practices can result in injustice and reduced efficiency of a tax system. . The results obtained from this study are that corporate social responsibility has a negative effect on tax evasion. Meanwhile, capital intensity has no effect on tax evasion. This study uses a quantitative approach. This test is done with linear regression

The purpose of this study was to determine the effect of gold price fluctuations, promotions, and manual gold investment risks on public interest in gold savings products at PT Pegadaian UPC Purwosari (Study on Communities in Purwosari District). This type of research is a quantitative research. The population in this study is the community in Purwosari District. The sample in this study amounted to 400 respondents and the sampling technique used purposive sampling with several criteria for respondents who lived in Purwosari District, were not yet customers and did not have a gold savings product at PT Pegadaian UPC Purwosari, and were over 17 years old. Source of data in this study is sourced from primary data. Data collection techniques used by distributing questionnaires. The analytical tool used is multiple linear regression analysis. The results of this study indicate that fluctuations in the price of gold have a positive but not significant effect on people's interest in gold savings products, promotions have a positive but not significant effect on people's interest in gold savings products, and investment risk has a positive and significant effect on people's interest in gold savings products. Fluctuations in gold prices, promotions, and investment risks affect people's interest in gold savings products.

This study aims to investigate the Effect of Sharia Financial Literacy on the Decision to Choose BMT Rukun Abadi Saving Products. This case study focuses on members of BMT Rukun Abadi Cooperative, which is a sharia-based financial institution in Indonesia. Islamic financial literacy is an important factor in encouraging the growth and development of the Islamic financial system. The research method used is a quantitative approach by distributing questionnaires to members of the BMT Rukun Abadi Cooperative. This questionnaire was designed to measure the level of Islamic financial literacy of the members as well as evaluate the decision patterns for choosing deposit products at BMT Rukun Abadi. The results showed that Islamic financial literacy has a significant influence on the decision to choose deposit products at BMT Rukun Abadi. Members of BMT Rukun Abadi Cooperative who have a higher level of Islamic financial literacy tend to be better able to understand the characteristics and benefits of Islamic savings products, so they can make more informed and effective decisions. These findings provide important implications for BMT Rukun Abadi in improving Islamic financial literacy services and education to its members. By improving Islamic financial literacy, members will be more engaged and involved in utilizing the Islamic savings products offered by this financial institution, thus supporting the growth and sustainability of the Islamic financial system in Indonesia.

A gift is a present made voluntarily by someone to another person without compensation or expecting anything in return except to get closer to Allah SWT, which results in the transfer of ownership from the giver to the person given. Giving gifts is a natural thing in deposits in Islamic financial institutions that use the wadi>`ah yad d}ama>nah contract. Therefore, this study analyzes the giving of prizes to Simjakasya products with prizes at the beginning based on the DSN-MUI Fatwa Number 86/DSN-MUI/XII/2012 concerning Prizes in Fundraising for Islamic Financial Institutions at BMT NU Ngasem, East Java. This research is a type of field research using qualitative methods. The data sources used are ptimer data sources and secondary data sources. Methods of data collection by way of observation, interviews, and documentation. The research location is at BMT NU Ngasem, East Java. The results of this study indicate that the concept of giving gifts in Simjakasya products with early prizes at BMT NU Ngasem, East Java, there are several things that conflict with the DSN-MUI Fatwa Number 86/DSN-MUI/XII/2012 concerning Prizes in Fundraising for Islamic Financial Institutions. These things are the types of gifts that have been determined and promised beforehand, as well as the custom of BMT to use this concept in every transaction which is a form of custom.

This study aims to find out the students of UIN SMH Banten in Islamic Banks. Questionnaires were distributed to 32 FEBI students at UIN SMH Banten, Serang City. The collected data were analyzed using descriptive and inferential statistics.  Based on the data obtained, it is known that the variables of bank reputation and beliefs influence the interest in saving for UIN SMH Banten students in Islamic banks. The purpose of this study is to analyze the interest of FEBI students at UIN SMH Banten in saving at Islamic banks. This research is quantitative descriptive research using primary data. The variables used in this study consist of bank reputation and trust as independent variables and interest in saving students as the dependent variable. The data collection method uses by providing questionnaires. The method used in this research is descriptive analysis.The results of the study show that the difference between men and interest in savings in Islamic banks is significantly different.    

In Indonesia in particular, SCADA has been recognized and started to be implemented in electric power system control since the early 1980s. In other more developed countries, the application of SCADA is growing along with developments in computer and telecommunications technology. At a time when the development of SCADA was not as sophisticated as it is now, there was an idea to make it easier to maneuver, namely in a simple network system using SCADA we can supply additional power or do power outages easily so that the overload does not occur. After implementing the SCADA system there are less time and frequency savings compared to before implementing the SCADA system. This means that the SCADA reliability index is much better after implementing the SCADA system..