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The inventory problem that still occurs at PT Indonesia Plafon Semesta is the accumulation of resin and calcium raw materials which results in considerable losses. PT Indofon began to experience a buildup of resin raw materials in August amounting to 16,100Kg and for calcium amounting to 15,200Kg so that each month it soared until its peak in October, namely a buildup of 23,500Kg of resin, and 23,200Kg of calcium. The use of the right method for inventory control problems is Just In Time , which is a management strategy used to optimize the production process and product delivery by buying and producing only when needed and at the right time. Silver Meal Heuristic, a heuristic approach used in inventory control to determine the optimal lot size. The quantity of raw material orders using JIT is relatively more than the silver meal, but with JIT the supplier only needs to send 4-5 times, meaning that the company can save costs. The quantity and frequency obtained from data processing using silver meal is more optimal. However, the cost of raw material inventory incurred is quite large. For a decrease in efficiency costs by implementing a policy of making purchases with Just In Time  (JIT) and is expected to save on raw material inventory costs. So that these cost savings can be allocated by the company to other costs.

The role of cooperatives in supporting the economy is reflected in their contribution to GDP, which experiences a positive trend every year. The potential of each region is different, resulting in a classification of the types of cooperative businesses that exist in order to realize regional growth in accordance with the resources it has. This research uses descriptive research with a quantitative approach using the Location Quotient (LQ) method. The data used is secondary data obtained from the Ministry of Cooperatives and BPS West Java. The results of the Location Qoutient (LQ) method analysis show that two types of business are categorized as potential bases, namely the consumer cooperative and producer cooperative sectors, because they have an LQ value> 1. Meanwhile, the cooperative, service, marketing cooperative and savings and loan cooperative sectors are in a non-base position, because they have an LQ value <1.

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 usury and religiosity is one of the influencing factors in making the decision to save at a sharia bank. There are still many students who already know about usury but still use conventional banks instead of using Sharia. This is the background to the research entitled knowledge of riba nasiah and religiosity on students' interest in saving in sharia banks. This research aims to determine the partial and simultaneous influence of knowledge of riba nasiah and religiosity on students' interest in saving in sharia banks. In this study, a descriptive quantitative method was used with 172 respondents with the technique used in sampling was Stratified Random Sampling, which is a sampling technique according to the population size in each strata, where in this study it was divided into 4 strata, namely sharia banking students, FEBI UIN Sutha Jambi semesters V, VII, IX, and XI. The data analysis techniques used in this research are data quality testing, classical assumption testing, hypothesis testing, multiple linear regression analysis, coefficient of determination and effective contribution testing. The results of the research show that: (1) It was found that partially and simultaneously there was a significant influence of the variables knowledge of riba nasiah and religiosity on students' interest in saving in sharia banks. (2) the variables of knowledge of riba nasiah and religiosity have a positive effect (move in the same direction) on students' interest in saving in sharia banks (3) the result of the Adjust R2 coefficient value is 0.492. This illustrates that the contribution of the variables of knowledge of riba nasiah and religiosity is 49.2% and the remaining 50.8% is influenced by other variables outside this research. And in terms of effective contribution, it shows that the variable knowledge of riba nasiah and religiosity contributed 49.7%. The variable with the most influence in this research is the variable knowledge of riba nasiah, which is 25.1%. From the results of this research, researchers see and realize that there are still many sharia banking study program students who use conventional banks. In fact, there are still those who don't understand about usury and religiosity even though they have studied this during lectures. Students' ignorance about usury and religiosity could be one of the factors that influence them in choosing which bank to use for savings or transactions.

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.

Pabrik Roti Bakar Azhari adalah perushaan industri yang bergerak dibidang roti bakar. Perusahaan ini masih terdapat permasalahan dalam distribusinya, adanya pengiriman yang tidak terjadwal dan tidak memaksimalkan kapasitas angkut kendaraan mengakibatkan jarak pengiriman semakin panjang. Penentuan rute distribusi merupakan hal yang penting bagi perusahaan untuk meminimalkan biaya distribusi. Sebagai pabrik produsen roti bakar , pemilihan rute yang optimal perlu menjadi perhatian Pabrik Roti Bakar Azhari karena mempengaruhi biaya pengiriman produk tersebut. Saving Matrix dan Nearest Neighbor adalah kombinasi metode yang digunakan untuk penentuan rute distribusi yang optimal. Metode saving matrix dapat menentukan rute gabungan yang optimal dengan mempertimbangkan kapasitas kendaraan distribusi selanjutnya algoritma nearest neighbor dapat menentukan urutan jarak pengiriman terpendek pada kelompok rute yang terbentuk. Penelitian ini berhasil mendapatkan rute distribusi menggunakan metode saving matrix dan nearest neighbor yang lebih baik dari segi jarak tempuh pengiriman dan biaya dsitribusi. Hasil yang diperoleh adalah pengelompokan 4 rute distribusi dari jarak rute awal adalah 139,3 km dan jarak rute akhir adalah 109,2 km. Hasil  biaya distribusi rute awal sebesar Rp Rp 4.751.233 / bulan dan biaya distribusi rute akhir sebesar Rp 4.521.058 / bulan. Dengan metode saving matrix dan  algoritma nearest neighbor adalah penghematan jarak sebesar 21,61%, dan penghematan biaya distribusi sebesar 4,85%.

PT. Taspen is an Indonesian state-owned institution which operates in the insurance sector, Old Age Savings (THT), and pension funds for civils servants and state officials. Thus, this company has a task, one of which is to provide services in terms of the Old Age Savings (THT) program. There are various procedures that must be provided in providing these services so that participants who administer the program are more coordinated and directed. The reason for carrying out this research is to obtain the goal to be achieved, namely to find out the procedure to submitting a Old Age Savings (THT) claim at PT. Taspen is carried out. This study used descriptive qualitative method. The result of this research is that you must complete the required documents first in order to be able to submit a claim for Old Age Savings (THT).

The purpose of this research is to analyse the liability of farmers who make defaults on savings and loan agreements at KSP Kopdit Pintu Air Lembor branch. The type of research used by the author is Empirical Legal research, the type of data used in this research is qualitative data. The data used in the research based on the relevance of the source data, namely primary and secondary data. The results of this study are that the reasons for the default of farmers on savings and loan agreements at KSP Kopdit Pintu Air Lembor Branch as follows are reduced rice yields and crop failure. The existence of traditional events such as marriage, death and school parties. Income is divided due to financing the education of their children and financing sick families. Farmers borrow from local businesses and communities. Farmers are members of other cooperatives and make loans. Government programmes to improve irrigation have caused farmers not to plant rice. Liability for default by Farmers on savings and loan agreements, namely continuing to pay principal + interest + dues every month and Farmers can repay loans in the form of as much as the member or Farmer can pay or repay the loan and Farmers continue to pay monthly even though only to cover the interest.

Simulation of buying, selling and saving activities motivated by the needs of young children, especially students at Kindergarten Al Azhar 54 Pekanbaru in improving ability to recognize the concept of numbers because currently it is still using the assignment method, books and using general learning media cause young children  difficult in understanding concept of numbers and number symbols. Several methods were applied, namely: observation, interviews, counseling and documentation. The PKM activities are simulation of buying and selling activities to provide education on buying and selling activities that are often do in daily life, simulations of saving activities at bank, counseling the benefits of saving at bank and explanations bank products. The expected final result of this PKM activities are Al Azhar 54 Pekanbaru Kindergarten students can improve their ability to recognize numbers and number symbols, know the value of money, understand buying and selling transactions in daily life, increase their knowledge about banks, knowing how to save at bank, motivate to save from an early age to buy favorite items, training discipline in using money according to needs, and teaching not to spend all the money you have so that it is easier to manage your finances.

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

Gold is an investment that is in great demand by the people of Indonesia. However, in this study it was found that there were no students who had opened gold savings for investment in Bank Syariah Indonesia, but there were those who had opened other investments in stocks and Pawnshops. To find out the interest of students in opening gold savings, the obstacles and the right solutions to deal with this. In this study using a qualitative approach method which was carried out on 20 informants to find answers to existing problems. Of the 20 informants in the study, 95% of them agreed with the indicators in this study and 5% of the informants disagreed with the indicators in this study.

In the law embodied in Law Number 37 of 2004 concerning Bankruptcy and Suspension of Debt Payment Obligations, there isn't a requirement stipulating that a debtor must be declared unable (insolvent) to pay their debts through an insolvency test as a condition to determine their bankruptcy status or not. Instead, the debtor's bankruptcy status is established by proving that the debtor has a minimum of 2 (two) creditors, has failed to pay at least 1 (one) due and collectible debt. The absence of insolvency testing as a bankruptcy criterion in Indonesia could lead to companies that are actually capable of fulfilling their obligations being considered bankrupt because they meet the bankruptcy requirements in Law Number 37 of 2004 concerning Bankruptcy and Suspension of Debt Payment Obligations regulates the requirements for bankruptcy. This has the potential for significant impact, even reducing the confidence of foreign investors to invest in Indonesia. This research employs a normative legal approach. The data source utilized in this study comprises secondary data obtained through the analysis of existing literature or documents. The results of insolvency testing, determining whether a company is categorized as insolvent or not, provide an opportunity for solvent debtors to prove that they have sufficient assets to settle debts to multiple creditors. This gives debtors the chance to rebuild their businesses. Therefore, the implementation of insolvency test in a company plays a role in saving solvent debtors from bankruptcy petitions filed by creditors.

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.  

This study aims to determine the performance of the Makassar City Tourism Office in 2020-2022 in terms of economic, efficiency and effectiveness elements. This research is a descriptive research study with the object under study is data on the realization of financial achievements contained in the Financial Report and Performance Report (LAKIN) of the Makassar City Tourism Office in 2020-2022. The data analysis technique used is quantitative descriptive analysis on economic, efficiency, and effectiveness measurements. Based on the results of the study, it shows that the performance of the Makassar City Tourism Office in terms of Economic, Efficiency and Effectiveness elements has almost met the requirements of Value for Money where each element almost reaches the maximum ratio value which is accompanied by budget savings every year. So it can be stated that the financial performance of the Makassar City Tourism Office almost meets the requirements of Value for Money where each allocated budget is able to be managed quickly in carrying out each program that has been determined.

Education plays a central role in community development and the enhancement of human resources. In the rapidly evolving digital era, information and communication technology has significantly transformed the education landscape. Technology has become an integral part of the teaching and learning process in schools, bringing both challenges and significant opportunities. Particularly at the Junior High School (SMP) level, subjects like Mathematics, Natural Sciences (IPA), Physics, and Chemistry play a central role in shaping students' foundational knowledge. However, students often have varying levels of understanding and different learning styles. This poses a challenge for teachers trying to meet the diverse learning needs of their students. The use of the same linear teaching methods for all students is often ineffective in such a context. In this research, we employed a literature review methodology. This approach helps summarize and synthesize existing knowledge on the role of technology in enhancing student motivation in Science, Technology, Engineering, and Mathematics (STEM) education. By analyzing trends, findings, and patterns emerging from related literature, we can establish a strong knowledge base for this research. The adaptive learning approach, leveraging technology, has emerged as an intriguing solution. This approach allows for real-time analysis of student learning data and the adjustment of content, material, or teaching methods to suit individual needs. The research highlights the primary benefits of adaptive learning, such as personalized content adjustment, enhanced student motivation, more efficient monitoring and evaluation, and time savings in achieving better understanding. However, the research also acknowledges several challenges, including uneven technology infrastructure, the need for teacher training, and student data protection. Nevertheless, this research emphasizes the importance of adaptive learning in the context of STEM education at the SMP level in the digital era, while recognizing the need for further research to explore the potential of technology in enhancing the quality of education at this level.  

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.

Along with the current developments, electricity has become a basic need that must be required. With population growth, economic development, and an increase in various activities and the use of facilities that require electricity, the use of electrical energy will continue to increase even in the use of lights as lighting in offices. The expected purpose of this study is to examine the efficiency of energy use as office lighting for one of the fertilizer industries before and after using LED lights, as well as analyze the costs incurred and the economic value obtained from the use of LED lamps. In this study, several data are needed, such as building plan data, inventory of the types of lamps used, electrical energy consumption, and the price of electricity consumption per kWh through the calculation method. The difference in costs incurred for the use of non-LED lamps into LED lamps is IDR 580,931.14 in the 1st-floor office building in one of the fertilizer industries and IDR 319,747.56 in the 2nd-floor office building in one of the fertilizer industries. Based on this, the difference in costs incurred is very large, so the use of LED lamps is the main alternative in saving energy and costs. Therefore, it is important to conduct studies and research on the impact that can be caused by the use of LED lights on energy consumption and electricity cost efficiency in the company.