Abstract:Emas merupakan salah satu jenis komoditi yang paling banyak diminati untuk tujuan investasi, karena dipandang sebagai instrumen yang lebih aman dibandingkan saham serta memiliki nilai jual yang selalu bergerak mengikuti…
kondisi pasar. PT Victoeria Vici, sebagai pelaku usaha perhiasan emas custom, menghadapi kendala dalam menentukan estimasi harga jual kepada pelanggan, sebab proses pengerjaan pesanan custom membutuhkan waktu hingga 14 hari, sementara harga emas bergerak fluktuatif dan tidak terstruktur setiap harinya sehingga estimasi harga menjadi tidak akurat dan tidak efektif. Berdasarkan permasalahan tersebut, penelitian ini menerapkan konsep Data Mining dengan algoritma Trend Moment untuk mengestimasi harga emas pada rentang waktu tertentu. Data yang digunakan merupakan data historis harga emas per gram pada PT Victoeria Vici periode Agustus–Oktober 2021 sebanyak 92 data. Tahapan penelitian meliputi pengumpulan data, penentuan variabel X dan Y, eliminasi untuk memperoleh nilai konstanta a dan slope b, serta penerapan persamaan Y = a + bX untuk memperoleh nilai estimasi. Hasil perhitungan menunjukkan nilai a = 720.871,725 dan b = 3,108 sehingga model estimasi mampu menghasilkan proyeksi harga emas yang mendekati pola data historis. Model ini kemudian diimplementasikan ke dalam aplikasi berbasis desktop menggunakan Microsoft Visual Basic 2010 dan basis data Microsoft Access, dilengkapi Crystal Report untuk pencetakan laporan hasil estimasi. Hasil penelitian menunjukkan bahwa algoritma Trend Moment dapat membantu PT Victoeria Vici dalam memperoleh estimasi harga emas secara lebih cepat, konsisten, dan terdokumentasi.
Gold is one of the most sought-after commodities for investment purposes, as it is regarded as a safer instrument compared to stocks and has a selling value that constantly fluctuates with market conditions. PT Victoeria Vici, a custom gold jewelry business, faces difficulty in determining the estimated selling price offered to customers because the production process for custom orders takes up to 14 days, while gold prices move in an unstructured and fluctuating manner every day, making manual price estimation inaccurate and ineffective. Based on this problem, this study applies the concept of Data Mining using the Trend Moment algorithm to estimate gold prices over a certain period of time. The data used is historical daily gold price data per gram from PT Victoeria Vici for the period of August–October 2021, consisting of 92 records. The research stages include data collection, determination of the X and Y variables, elimination to obtain the constant value a and the slope b, and the application of the equation Y = a + bX to obtain the estimated value. The calculation results show a value of a = 720,871.725 and b = 3.108, so that the estimation model is able to produce gold price projections that closely follow the pattern of historical data. This model was then implemented into a desktop-based application using Microsoft Visual Basic 2010 and a Microsoft Access database, equipped with Crystal Report for printing estimation result reports. The results show that the Trend Moment algorithm can help PT Victoeria Vici obtain gold price estimations more quickly, consistently, and in a well-documented manner.
Abstract:Beberapa tahun belakangan ini banyak ditemukan UMKM yang belum menerapkan praktik manajemen keuangan yang baik dan memadai. Pengelolaan keuangan yang tidak efektif dapat menyebabkan ketidakstabilan arus kas, kesulitan dalam…
lam mengakses modal, dan rendahnya kapasitas adaptasi terhadap perubahan pasar. Kabupaten Karo aktif memberikan edukasi dan pengembangan UMKM lokal dengan didukung oleh Rumah BUMN Kabanjehe. Saat ini, masih terdapat puluhan UMKM binaan Rumah BUMN Kabanjahe. Jenis usaha UMKM yang ada diantaranya adalah pengerajin ecoprint, produsen makanan ringan, produsen minuman, pengerajin kain tenun, dan lain-lain.
Tujuan dari pengabdian kepada masyarakat ini ialah untuk literasi keuangan, edukasi pencatatan atau mengatur keuangan usaha dan memberikan pemahaman akan pentingnya manajemen keuangan. Dalam hal ini, target tujuan kami ialah pelaku usaha atau UMKM binaan Rumah BUMN Kabanjahe. Adapun Sustainable Development Goals atau Tujuan Pembangunan Berkelanjutan yang terkait dengan kegiatan PKM ini adalah untuk meningkatkan keterampilan pelaku UMKM binaan Rumah BUMN di Kabupaten Karo untuk mengatur keuangan dan ketrampilan berwiarusaha. Selain itu, tujuan utama dari kegiatan PKM ini adalah meningkatkan kualitas hidup masyarakat, menyelesaikan permasalahan sosial, dan memacu pembanguna yang berkelanjutan dan inklusif pada aspek mengatur keuangan usaha.
Metode pelaksanaan kegiatan pengabdian ini berupa pemberian materi manajemen keuangan, edukasi dan implementasi manajemen keuangan pada beberapa pelaku UMKM, serta sesi tanya jawab terkait permasalahan tentang keuangan dalam menjalankan usaha. Kegiatan ini dilaksanakan dalam satu hari atau selama 3 jam. Beberapa materi pengabdian yang disampaikan yaitu tentang perencanaan keuangan, pengelolaan kas, kinerja keuangan, dan pengendalian kegiatan keuangan. Aspek praktis dan teknis yang disampaikan pemateri dalam kegiatan pengabdian ini yaitu memisahkan keuangan pribadi dan bisnis, pencatatan keuangan, dan penyusunan laporan keuangan.
Hasil pengabdian kepada masyarakat ini antara lain: terciptanya arah keputusan finansial usaha, pelaku usaha dapat mengawasi dan mengendalikan kegiatan usaha sehari-hari, serta pelaku UMKM dapat/ bisa mencapai tujuan financial freedom (bebas utang, ada pendapatan investasi, terproteksi dari risiko).
Kegiatan pengabdian kepada masyarakat ini mampu meningkatkan pengetahuan, pemahaman dan meningkatkan kapasitas pelaku UMKM binaan Rumah BUMN Kabanjahe khususnya dalam implementasi manajemen keuangan yang baik. Disarankan untuk kedepannya agar dilkakukan pendampingan berkelanjutan dalam hal digital marketing, inovasi product dan strategi usaha terupdate atau kekinian demi tercapainya kesejahteraan ekonomi yang lebih baik.
Abstract:This study aims to develop Topworksheet as students descriptive reading worksheet at SMP Negeri 21 Medan. Data consisted of an analysis of students' needs, interests, and challenges in using Topworksheet as descriptive reading…
eading worksheet, sourced from 20 ninth-grade students at SMP Negeri 21 Medan. Techniques for collecting data included distributing questionnaires, conducting interviews, and documentation. Instruments used were interview sheets, printed documents, and questionnaires. This study involved six key stages of Borg and Gall method, which included: gathering data and information, analyzing the data, designing the product, expert validation, revising and finalizing the product. The result of gathering and analyzing data showed that students had low interest in descriptive reading text due to monotonous and unvaried worksheets. This data identified students’ necessity (85%), lacks (55%) and wants (65%) for an interactive worksheet, engaging worksheet to develop reading understanding. The material designing and revising stage resulted in the Topworksheet Web, which consists of interactive descriptive reading practices, utilizing Canva-based visualization and educational games, including a glossary and word search. The expert validation involved a lecturer and a teacher, was 87.2%, and 98.4%, achieving an "Excellent" category. Based on the high validation scores from the experts, it can be concluded that the final product, the Topworksheet Web, is a highly appropriate and effective students' descriptive reading worksheet tailored to the specific needs of students at SMP Negeri 21 Medan.
Abstract:Service quality and the use of DIGI mobile banking application features are factors that can influence customer satisfaction in utilizing digital banking services. This study aims to determine the effect of service quality…
ty and the use of DIGI mobile banking features on customer satisfaction at Bank BJB KCP Katapang. The research method employed was quantitative, with data collected through questionnaires distributed to 96 respondents, both via Google Form and printed sheets. Data processing was carried out using SPSS version 25. The analysis results show that service quality has a significant effect on customer satisfaction, with a significance value of 0.000 < 0.05 and a t-count of 3.839 > t-table of 1.986. Similarly, the DIGI mobile banking application features also have a significant effect, with a significance value of 0.000 < 0.05 and a t-count of 3.741 > t-table of 1.986. Simultaneously, service quality and application features have a positive and significant effect on customer satisfaction, as evidenced by a significance value of 0.000 < 0.05 and an F-count of 41.054 > F-table of 3.09. These findings highlight the importance of improving service quality and optimizing application features to maintain and enhance customer satisfaction.
Abstract:Islamic economics operates as a normative framework prioritizing social justice, equitable wealth redistribution, and collective wellbeing. Despite its robust philosophical foundations, empirical consensus regarding how…
these tenets translate into measurable welfare outcomes across heterogeneous developing nations remains highly fragmented. This study addresses this critical gap by executing a systematic literature review guided by the PRISMA 2020 statement to synthesize empirical evidence on the operationalization of Zakat, Waqf, and Islamic Social Finance (ISF) as structural instruments for poverty reduction. Departing from traditional descriptive reviews, this paper introduces an original analytical taxonomy that maps the operational mechanics of ISF against micro-level and macro-level development outcomes. Based on a rigorous multi-stage screening of peer-reviewed empirical studies published between 2020 and 2025 across emerging economies, a final synthesized sample of $n = 10$ high-quality primary articles was evaluated. The qualitative narrative synthesis reveals that integrated ISF instruments exert a structurally positive impact on poverty alleviation, income optimization, and socio-economic empowerment, particularly when embedded within digital financial ecosystems and formal financial inclusion frameworks. However, the analysis uncovers substantial outcome heterogeneity, demonstrating that welfare efficacy is highly conditional upon institutional governance quality, targeting accuracy, and localized implementation designs. The structural novelty of this research lies in its empirical crystallization of the explicit boundary conditions under which normative faith-based capital successfully disrupts poverty traps, offering an evidence-based operational blueprint for policymakers and Sharia social institutions in the Global South.
Abstract:This research is entitled “Taboo Words in the film The Karate Kid by Stanlay Tong A Sociolinguistic Analysis”. The objectives of this research are identifying, classifying, and analyzing the types of taboo words. This research…
s research uses a descriptive method. There are were three steps to finish this research, the first step is preparation, the data taboo words in the film The Karate Kid by Stanlay Tong were taken from internet and understanding the movie script, also read some books like journal. The second step the writer watches The Karate Kid movie, printed script of the movie, then the writer reads the script and find out the conversations that contain taboo words. The third step is the data were analyzed using theory of Wardhaugh uses seven types of taboo words (1986). The results of this research show that there are 103 taboo words found in The Karate Kid. According to theory of Wardhaugh, there are seven types of taboo words, those are taboo words related to mother in law, animal, sex, death, excretion, bodily function, and religion. The findings of this research support the theory of Wardhaugh
Abstract:The international language nowadays is English. To make learning more enjoyable and fun for students, the right approach is required. The researcher aims to explain the drilling method to enhance the students’ English skills.…
skills. In this research, the researchers used a qualitative descriptive study as the research methodology. The study takes place at the LKP YHSUA Training Institute for Self-Development, involving 20 students. The data was collected through observation, interview, and documentation. The data analysis was done through data collection, reduction, display, and drawing conclusions. The results showed that the drilling method used became the suitable method that has a significant effect on the young learners’ mastery of the four English skills. In addition, the young learners can pronounce, read, write, and listen to the whole lessons and games given through the use of the drilling method combined with printed stories through learning process. Besides that, teaching and learning process becomes more fun. Overall, the drilling method has proven to be an effective approach for teaching the four English skills to students.
Abstract:The discussion of interpretation in online media today does not only cover the transition from print media to digital media, but can also include the development of direct interpretation studies. This reflects the diversity…
ity of approaches and perspectives in the discussion of interpretation on the internet today . This writing aims to identify ways the study and presentation and approaches applied to the study of interpretation are very diverse website tafsirq.com , and to understand the dominant interpretation ideology on this website . in explaining questions related to the study of interpretation on this website . This research applies descriptive-analytical method. This method is used to study and analyze sources on the study of interpretations available on the tafsirq.com website , with the aim of providing a clear and detailed picture of the interpretive approaches and ideologies used on the site. Presentation in site Tafsirq.com in data display, there are displays such as the Qur'an, the Medina mushaf, stories of wisdom, prayers, and recitations per verse, also equipped with the DSN Fatwa. on the Tafsirq.com site , there are two tafsir books Which use with discussion method use title (topic). This site is said to be credible because on its website , the administrator displays responsible for content and in interpreting the verses I have referred to the famous tafsir books from the Tafsir Al-Misbah and Tafsir Jalâlīn .
Abstract:The Ministry of Maritime Affairs and Fisheries, in its government mission, carries out the creation of Maritime and Fisheries Business Actor Cards (KUSUKA). This card is an individual identification card issued by the Ministry…
nistry of Maritime Affairs and Fisheries of the Republic of Indonesia for maritime and fisheries business actors in Indonesia. This research discusses matters related to the results of the implementation of the KUSUKA card program services at the Kundur District Fisheries Business Services UPT. The aim of this research is to find out the results of the implementation of the KUSUKA card at the Kundur Fisheries Business Services UPT. The approach used in this research is descriptive qualitative using data collection methods in the form of observation, interviews and documentation. The results of this research show that the implementation of the KUSUKA card program for the community at the Kundur District Fisheries Business Services UPT is as expected. The implementation of this program meets expectations based on the following 6 indicators: a). effectiveness: the results achieved have met expectations. b) Efficiency: time and costs are efficient. c). Adequacy: Human resources and facilities/infrastructure are adequate. d). Alignment: program benefits are adequate. e). Responsiveness: service is adequate. f). Accuracy: the program results are useful. However, the effectiveness indicators and efficient indicators still cannot be said to meet expectations, this is because there are problems or obstacles such as the lack of clarity on the time for printing KUSUKA cards which only adjusts the bank's ability to print cards, the functions and benefits of the program have not been fully felt and there is no real change in the lives of the community or fisheries business actors in the Kundur District Fisheries Business Services UPT.
Keywords : Public Services, Evaluation, Kusuka Card
Abstract:Zakat is an Islamic economic instrument that plays a significant role in enhancing social welfare and promoting equitable socioeconomic development. The effectiveness of zakat management is strongly influenced by the accountability…
ountability and transparency practices implemented by zakat management institutions. This study aims to explore the practices of accountability and transparency in zakat fund management at the National Board of Zakat (BAZNAS) of Sumbawa Regency and to examine their contribution to public trust. A descriptive qualitative approach was employed, with data collected through interviews, observations, and document analysis. The findings reveal that accountability has been implemented through financial reporting in accordance with PSAK 109, external auditing, and structured accountability mechanisms. Transparency is demonstrated through the dissemination of information via the official website, social media platforms, print media, and public outreach activities. The implementation of these principles contributes to strengthening the trust of muzakki (zakat payers) and generating tangible benefits for mustahik (zakat beneficiaries), although improvements in information accessibility and the development of productive zakat programs remain necessary. The novelty of this study lies in its exploration of the interrelationship between accountability, transparency, muzakki trust, and the perceived benefits experienced by mustahik within the context of regional zakat management at BAZNAS Sumbawa Regency.