ASSISTANCE OF SHARIA BANKING FINANCE PROGRAM IN MSME DEVELOPMENT IN MALANG REGENCY

The MSME sector has a vital role in supporting the economy of Malang Regency. The factor that makes it difficult for MSMEs to access Islamic banking financing is an unorganized financial administration system characterized by operational costs inseparable from household expenses. Technical constraints make MSME owners less concerned about their long-term business goals or strategic plans. Karangsuko Village, located in the Malang Regency area, most of the population still relies on the MSME sector as a livelihood. This service aims to make MSME actors understand financial management, sharia accounts, financing rules from Islamic banks, preparation of financial reports, and the formation of proposals for submitting financing to Islamic banks.

COMMUNITY MOVEMENT IN INDEPENDENT VEGETABLE GROWING TO INCREASE HOUSEHOLD FOOD SECURITY DURING THE PANDEMIC

The increase in the Covid-19 second wave in Indonesia has made the government implement a stricter policy to implement Community Activity Restrictions (PPKM). This activity aims to provide actionable solutions to maintain family food security through the community movement to grow vegetables. The method used in this activity is the Participatory Rural Appraisal (PRA) method which begins with FGD, counseling, and field practice. The activity implementer can become a facilitator and directly facilitate the community carrying out activities. The empowerment program was carried out in Kepuharjo Village, Malang Regency, with the main target being housewives. As a result of this activity, participants who attended the FGD and the facilitator decided to create a community movement in independent vegetable growing to stay productive during the pandemic. Community movement was conducted for two weeks, during which the activity implementation team provided all materials, planting media, and seeds. During the two weeks running, 53 housewives grew vegetables independently. Based on the evaluation results, this activity is very effective and efficient for household food fulfillment. Ninety-seven percent of homemakers say that they can increase their food needs with this movement, so they don't have to buy. Of course, it has an impact on saving household expenses. As many as 90 percent of homemakers do this activity and repeat it after harvest. So that the continuity of this activity can run well, besides decreasing spending, this activity can also improve health by producing healthier vegetables.

ESTABLISHMENT OF A LIBRARY TO IMPROVE THE QUALITY OF HUMAN RESOURCES IN APUAI VILLAGE

Besides formal education such as schools and special training, education can also be obtained through libraries and other media such as the internet or television to access knowledge and information. Apuai Village, Aranio District, Banjar Regency is an underdeveloped village where people challenging to access the internet or telephone signals, and access roads to and from the village are not accessible. This condition is a significant obstacle to transferring information and knowledge from outside. To meet the community's needs in obtaining knowledge, the community service team took the initiative to establish the Apuai Village library. The hope is that the existence of this library can help the community, especially school children in the village, to have insight into creative thinking, cultivate spirituality, foster interest in reading, increase the efficiency and effectiveness of learning in the library. It is also hoped to increase entrepreneurship awareness for the readers for the local community with a low level of education. This community service activity also contains counseling to increase interest in reading. By diligently reading, people will find new knowledge to improve their ability to manage their natural and human potential. As a collection material, our library also provides books related to products and books on marketing strategies and product packaging to increase competitiveness. So far, the community can process natural products into something with better power. They also have difficulty in terms of packaging and marketing. It is because of the difficulty of access to information on attractive marketing and packaging techniques due to the problem of access to transportation, information, and telecommunications in this village.

SOCIALIZATION, LITERACY AND IMPLEMENTATION OF SHARIA BANKING PRODUCTS

The banking world is currently experiencing rapid growth, new banks have emerged such as Islamic banks, so it is inevitable that a competitive and tight banking business will emerge. This service activity is expected to provide provisions for the participants to improve the Islamic economy. Understanding Islamic banking products will provide benefits for them in terms of the Islamic economy. The systematics of the implementation of this service activity is Socialization, Literacy and Implementation with the assisted subjects who are partners of this community service activity are Karang Taruna and Dinoyo Residents in Lowokwaru District, Malang City. The activity is carried out in three stages: problem identification, activity implementation, and implementation evaluation. The result of the implementation of this activity was that the participants expressed their gratitude to us for being allowed to take part in the Islamic banking literacy and socialization activities so that they could open their minds who had so far felt that conventional banks and Islamic banks were the same. This shows that the literacy and socialization of Islamic banking in society are still not active enough, so activities like this should be carried out more frequently.

“SMART VILLAGE” DIGITIZATION PROGRAM: ENCOURAGING THE DEVELOPMENT OF VILLAGE POTENTIAL IN JURUAN DAYA, SUMENEP

Amid this modernization era, many areas in Indonesia still do not have good facilities and accessibility. This village is having difficulties, especially in the irrigation system, infrastructure, and accessibility to the internet. Hence, the authors proposed bringing Juruan Daya Village into a smart village digitalization program to overcome the problem. This program focuses on three significant aspects, such as (1) village administration and governance services; (2) village branding and its development and; (3) community empowerment through improving community business marketing management so that they can rely on more effective and efficient forms of digitalization. The method of this study used action research participatory and supported by secondary library research through journals, books, and other relevant resources. Then, after conducting training and pre-test and post-test to know the participants’ understanding of the program, the result shows that the residents are satisfied. They feel the benefits of the tower after attending the digitalization training in the aspects of village government services, village branding, and online marketing. Furthermore, there has been a development and improvement in participants' understanding of the implemented program. It is hoped that the villagers of Juruan Daya will be able to experience better community services in the future.

INCUBATION STRENGTHENING SOCIAL BUSINESS BASED ON JAVANESE-ISLAMIC CULTURE

This study aims to build a sustainable model for empowering Arjuno coffee farmers. This study uses a qualitative method. This study indicates that Arjuno coffee farmers adhere to Javanese-Islamic values and culture; this is the basis for describing Pre-Incubation Strengthening of Javanese-Islamic Culture-Based Social Business (ISBSBoJI). Meanwhile, ISBSBoJI was built by increasing the capability and productivity of Arjuno coffee farmers with market orientation and collaboration. The goal of Post-ISBSBoJI is to increase trust and sustainable welfare.