An important aspect that needs attention to support success in the learning process is the teacher's competency. One of the key competencies required by teachers is mastery of technology, which supports the development of TPACK (Technological Pedagogical Content Knowledge)-based learning. Additionally, mastery of technology can help develop learning media and serve as a learning aid. One of the software that can be used as an option for learning media is Octave. Octave is open-source software, allowing teachers to access it for free. It can be used as a medium/teaching tool to explain various mathematical concepts, such as functions, function limits, derivatives, integrals, and more. This training was attended by high school teachers and took place at Al Bayan Superior High School, Sukabumi Regency. During the training, participants were taught how to use Octave in mathematics instruction to enhance teacher competency. The results of the training show that the use of Octave can support learning in schools by boosting teacher competency and inspiring teachers to become more professional. This, in turn, leads to improved learning quality in schools, which ultimately enhances the overall quality of education.

The widespread distribution of cosmetic products that have not been certified halal has raised concerns about the content being dangerous to health and unfit for use because of questionable cleanliness. Likewise, for food and beverage products. On the other hand, the pandemic has significantly impacted people's social behavior, including in the economic sector. Both business actors and consumers tend to carry out their business activities online. As a result, food and beverage products and cosmetics that have not been certified halal can be easily obtained and consumed by the public. The biggest consumers of these two types of products are teenagers and housewives. This service program's role in halal awareness education comes into play. The aim is to build halal awareness in the community, especially teenagers and homemakers in Kedungrejo Village, Pakis District, Malang Regency. The method used is educational activities to increase halal understanding and awareness, as well as creating simple information media to accelerate the dissemination of information about halal products. The output of this service program includes a better level of community empowerment (increased understanding of the counseling participants) as evidenced by the pre-test and post-test given, audio-visual work in the form of videos and a poster, Ayo Aware Halal, which is posted on the information board at the hall office Village. This poster was also handed over to the PKK Cadre community so that it could be copied and reread at home.ABSTRAKBeredar luasnya produk kosmetik yang belum tersertifikasi halal, memunculkan kekhawatiran berupa kandungan yang berbahaya bagi kesehatan, dan tak layak digunakan karena kebersihannya yang diragukan. Demikian juga pada produk makanan dan minuman. Di sisi lain, pandemic memberikan dampak cukup signifikan dalam perilaku sosial masyarakat, termasuk dalam sektor ekonomi. Baik pelaku usaha maupun konsumen cenderung menjalankan aktivitas bisnisnya secara online. Akibatnya, produk makanan dan minuman serta kosmetik yang belum tersertifikasi halal tadi dapat dengan mudah diperoleh dan dikonsumsi oleh masyarakat. Konsumen terbesar kedua jenis produk ini adalah remaja dan ibu rumah tangga. Di sinilah peran program pengabdian berupa penyuluhan kesadaran halal ini. Tujuannya adalah membangun kesadaran halal masyarakat terutama remaja dan ibu rumah tangga di Desa Kedungrejo Kecamatan Pakis Kabupaten Malang. Metode yang digunakan adalah kegiatan edukasi untuk meningkatkan pemahaman dan kesadaran halal serta pembuatan media informasi sederhana untuk mempercepat penyebaran informasi mengenai produk halal. Luaran dari program pengabdian ini diantaranya yaitu tingkat keberdayaan masyarakat yang lebih baik (pemahaman peserta penyuluhan yang meningkat) terbukti dari pre-test dan post-test yang diberikan, karya audio visual berupa video dan sebuah poster Ayo Sadar Halal yang ditempel di papan informasi kantor balai desa. Poster ini juga diserahkan kepada komunitas Kader PKK agar dapat digandakan dan dibaca kembali di rumah.

Debtor default has significant implications for credit risk management in the banking sector. Default, as the failure of a debtor to fulfill its obligations in repaying a loan, not only has the potential to be detrimental to financial institutions, but can also affect the stability of the financial system as a whole. Therefore, research on this phenomenon is very important. This article aims to provide comprehensive insight into understanding debtor default and its impact on credit risk management in the banking sector. A holistic approach to this understanding includes identifying factors that contribute to default, analyzing the characteristics of vulnerable debtors, and evaluating effective risk mitigation strategies. One important aspect discussed is the factors that cause default, including macroeconomic conditions, changes in an individual's financial situation, and behavioral factors. By understanding the root causes of default, banks can identify potential credit risks early and take appropriate steps to manage them. In addition, this article discusses the importance of debtor profile analysis in identifying characteristics that are vulnerable to default. By leveraging advanced technology and data analysis, banks can strengthen their decision-making processes and improve their ability to manage credit risk. Thus, this article not only provides an in-depth review of understanding debtor default, but also provides insight into how banks can improve their credit risk management through targeted and innovative approaches. In conclusion, a better understanding of the debtor default phenomenon will help banks manage credit risk more effectively and strengthen the resilience of the financial system as a whole.

The Sedudut river basin across RT 3 RW 6 Mulyorejo Subdistrict is still not managed well, causing problems such as silting of the river, uneven water flow, environmental pollution, accumulation of rubbish, unpleasant odors and lots of mosquitoes. The aim of community service is to raise awareness among residents and farmer cadets to manage river watersheds to become educational tourism pilots. The method used is community education and advocacy to local governments to create educational tourism targeting residents and farming cadets. The results have been the realization of pioneering educational tourism and institutional strengthening of Sariwongso farmer cadets in managing river watersheds. Support from RT administrators and community leaders increases the involvement of Taruna Tani Sariwangso in managing the Sedudut river basin. The benefits felt by local residents include: the flow of river water is smooth, so there are no piles of rubbish which cause odors and the growth of mosquitoes. The wareng system that has been built has increased from 3 to 5 warengs so that the management of river cleanliness by the residents of RT 3 RW 6 is getting better. The young group of Taruna Tani has been actively pioneering activities in RW6, strengthened by the issuance of the Decree on the Establishment of Taruna Tani which has been ratified by the local RT Head. The number of residents involved previously increased from 4 people to 16 people. The Malang City Government provides support for facilities (fish seeds, feed, harvest nets) and pedestrian infrastructure and fenced bridges to support educational tourism pilots for management of the Sedudut river area.ABSTRAKDaerah aliran sungai Sedudut melintasi RT 3 RW 6 Kelurahan Mulyorejo masih belum dikelola dengan baik sehingga menimbulkan permasalahan seperti pendangkalan sungai, aliran air tidak lancar, pencemaran lingkungan, penumpukan sampah, berbau tidak sedap dan  banyak nyamuk. Tujuan pengabdian masyarakat untuk menumbuhkan kesadaran warga dan taruna tani untuk mengelola daerah aliran sungai untuk dijadikan rintisan wisata edukasi. Metode yang digunakan adalah pendidikan masyarakat dan advokasi kepada pemerintah daerah untuk mewujudkan wisata edukasi dengan sasaran warga dan taruna tani. Hasilnya telah terwujud rintisan wisata edukasi dan penguatan kelembagaan taruna tani Sariwongso dalam mengelola daerah aliran sungai. Dukungan pengurus RT dan tokoh masyarakat menumbuhkan keterlibatan Taruna Tani Sariwangso untuk mengelola daerah aliran sungai Sedudut. Manfaat yang dirasakan warga sekitar, seperti: aliran air sungai lancar, sehingga tidak terjadi tumpukan sampah yang menyebabkan bau dan perkembangan nyamuk. Sistem wareng yang terbangun bertambah dari 3 menjadi 5 wareng sehingga pengelolaan kebersihan sungai oleh warga RT 3 RW 6 semakin baik.  Kelompok muda Taruna Tani telah aktif merintis kegiatan di RW6 diperkuat dengan terbitnya SK Pendirian Taruna Tani yang telah disahkan Ketua RT setempat. Jumlah warga yang terlibat sebelumnya 4 orang menjadi 16 orang. Pemerintah Kota Malang memberikan dukungan sarana (benih ikan, pakan, alat jaring panen) dan prasarana pedesterian dan jembatan berpagar untuk mendukung rintisan wisata edukasi pengelolaan daerah sungai Sedudut.

Omah Batik Sukun is one of the MSMEs in batik production. This MSME experienced a decline in sales due to the influence of the Covid-19 pandemic in 2020 and 2021. The pandemic for 2 years has caused orders and of course batik production to decrease. Based on this, the service team provides assistance in the use of information technology to increase sales of batik product. Digital marketing is used to promote and introduce to the wider community about batik product. The method used in this service is the method of consultation and science and technology diffusion. This method consists of 3 processes, namely pre-production, production and post-production processes. This service was carried out for 2 months, in January and February 2022. The result of this service activity was a video profile production which was uploaded to YouTube, an Instagram account containing Omah Batik Sukun MSME products and a digital catalogue. The impact of implementing this activity is that there is an increase in the knowledge of Batik Sukun MSME managers regarding digital marketing, an increase in sales of 30%, the number of buyers increasing to 3 cities, and the community starting to become familiar with this batik product, around 30% are starting to recognize this batik. ABSTRAKOmah Batik Sukun merupakan salah satu UMKM yang bergerak di bidang produksi batik. UMKM ini mengalami penurunan penjualan karena pengaruh pandemi covid-19 di tahun 2020 dan 2021. Pandemi selama 2 tahun ini menyebabkan pesanan dan juga tentu saja produksi batik berkurang. Berdasarkan hal tersebut, tim pengabdi melakukan pendampingan dalam pemanfaatan teknologi informasi untuk meningkatkan penjualan batik ini. Penggunaan digital marketing dimanfaatkan untuk mempromosikan sekaligus memperkenalkan ke masyarakat luas mengenai batik ini. Metode yang digunakan dalam pengabdian ini adalah metod konsultasi dan difusi iptek. Metode ini terdiri dari 3 proses, yaitu proses pra produksi, produksi dan pasca produksi. Pengabdian ini dilaksanakan selama 2 bulan, yaitu pada bulan Januari dan Februari 2022. Hasil dari kegiatan pengabdian ini adalah menghasilkan satu video profil yang sudah diunggah di youtube, akun Instagram yang berisi produk UMKM Omah Batik Sukun dan katalog digital. Dampak dari pelaksanaan kegiatan ini adalah adanya peningkatan pengetahuan pengelola UMKM Batik Sukun terkait digital marketing, peningkatan penjualan sebesar 30%, jumlah pembeli meningkat menjadi 3 kota, dan mulai dikenalnya produk batik ini di masyarakat yaitu sekitar 30% mulai mengenal batik ini.

Microsoft word is a word processing software in document creation that is the mainstay of Microsoft. In this software there is a track changes feature which functions to track changes made by the reviewer in carrying out the review work. The purpose of the training is to train students in using the track changes feature in Microsoft Word. The training conducted at the Polbangtan Yogyakarta-Magelang hall is a form of community service, especially students. The stages of service are 1. socialization of the track changes feature in Microsoft word; 2. carry out training on these features by students; 3. evaluation of training programs. The result of community service is that post-training Polbangtan livestock department students are able to apply the track changes feature in Microsoft word software.