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This study aims to examine and analyze the factors that affect the amount of easy-to-use savings savings. Thesefactors are the Profit Sharing Rate, Liquidity, Bank Size and Number of Bank Offices. The object of this research is all Islamic Commercial Banks (BUS) that report their Financial Statements to the Monetary Services Authority, with an observation period for the first quarter of 2018 to the fourth quarter of 2019. The sampling method uses the Census method, namely the entire available population is sampled and there are 14 Sharia Commercial Banks. Data analysis using multiple linear regression. The results of the study found that the Profit Sharing Rate has no effect, Liquidity has a significant negative effect, while the Bank Size and Number of Bank Offices have a significant positive effect on the Total Mudharabah Deposits.

This article discusses the importance of saving for basic students in Sawu Hamlet, Sumberjo, Lamongan, as a proactive step in building financial literacy from an early age. The main focus is to provide an in-depth understanding of the concepts of saving, money management and financial planning through an educational approach that is packaged creatively, interestingly and can be applied in everyday life. The results of this study provide insight into the effectiveness of this program in forming wise saving habits from an early age

KOSPIN SEKARTAMA is a company engaged in savings and loan services located at Central Main Street No. 141 Weleri Central Java. has several superior products including Multipurpose Loans, and PRIMA Loans (Special Offerings of SEKARTAMA), and also has savings products namely SIMAPAN (Future Savings), and SIMADEB (Future Savings) and has a new product, Haji Portion Financing. The new product is still constrained in the delivery of information because it still uses conventional media which in the present era is deemed ineffective and has less coverage. The problems studied in this design are how to design new media that is more effective and extends its reach. Therefore, the purpose of this design is to produce a financing advertisement for the Haji portion as a promotional medium for KOSPIN SEKARTAMA with the Direct Marketing method and is more focused on online marketing indicators for the application of these advertising products. The design of advertising as a promotional media is expected to be an effective means of promotion and can facilitate communication with the target, namely people who wish to do Haji but have limitations in directly registering for Haji.   Keywords: KOSPIN SEKARTAMA, Haji Portion Financing, Advertising, Direct Marketing

This research aims to determine the practice of managing savings funds for Eid packages in Sumber Pandan Village, Grujugan District, Bondowoso Regency. This research uses a qualitative approach. This type of research is in the form of field research. The location of this research is in Sumber Pandan Village, Grujugan District, Bondowoso Regency. Determination of informants using purposive. Data collection techniques use observation, semi-structured interviews and documentation. The data analysis uses descriptive data. Meanwhile, the validity of the data uses Validity, Reliability, Extended Observations, Triangulation, and Reference Materials. The results of the research show that the practice of managing savings funds for Eid packages in Sumber Pandan Village, Grujugan District, Bondowoso Regency, is that the management of savings funds is clearly carried out in matters related to good transactions and is managed by taking into account the profits that will be obtained later. Some savers believe that they don't know directly what their savings are used for. Most of them don't feel comfortable asking this because it is sensitive and private. Judging from sharia economic law, the implementation of Eid savings fund management according to Wahbah Zuhaili is halal for the manager (service provider) and according to Imam Abu Hanifah, he believes that the profit is shodaqoh. From this opinion, the researcher concluded that the Eid savings fund management transaction was permissible because the essence of Eid savings fund management was appropriate and fulfilled the elements of the wadiah yad dhamanah contract.