This study was conducted to discuss the concept of taklid in the religious<br />activity in the perspective of Ushul Fiqh in four madhhab, with the<br />consideration that at the level of implementation, the concept was still<br />problematic, so the consequence  was cause someone can easily fall into the<br />trap of fanaticism that leads to radicalism, as a result of the weakening of<br />critical reason-related the quality of the received religious information-and the<br />barrenness of the creative power-related to the application of Islamic<br />teachings in the reality of national and state life.

FAMILY FINANCIAL PLANNING FOR MEMBERS OF BKM UNGGUL JAYA PECANGAAN KULON, JEPARA. Community Self-Reliance Agency of Unggul Jaya (BKM) is as a local non-profit institution. The members are the citizen of Pecangaan Kulon. The management and the staff are grouped voluntarily. The program of the community self-reliance agency is financial services for micro business group. The positive impacts of the program are (1) increasing community welfare; (2) increasing job opportunities from villagers. However, social dynamics leave problems such as the diversion of loan objectives is not in accordance with the average business application of businesses to non-businesses such as school funding, household purchases, house improvement, jewelry, entertainment, etc. It causes negative impacts such as (1) additional debt for members; (2) the changing of food consumption to debt payments; (3) bad loans so that funds cannot be handed over to other members; (4) the increased debt of the member to other institutions so that it makes getting worse for the finance; (5) the conflict of payment in a group; (6) the environmental development programs have stalled due to insufficient funding participation because members do not have good financial planning; (7) the environmental services and finance programs will be terminated by BKM to the environment which has arrears in installments. The solutions provided in the service program are (1) providing skills in determining the priority scale of household needs; (2) providing financial planning skills; (3) providing Financial Check-Up training; (4) providing skills in making a family financial budget; (5) Assisting and monitoring participants.

This service activity assists the microfinance institution Lestari Mandiri Raguklampitan Batealit Jepara. The activities of Lestari Mandiri microfinance service partners include providing savings and loan services to their members independently and visitors. The organization is owned, managed, and utilized independently by the community in the local village. The purpose of the service is to increase knowledge in terms of recording and making financial reports according to standards. The problems faced by partners are recording savings and loan transactions is still done manually so it requires accuracy and thoroughness from the manager so that it is less efficient. These things may be problems and risks in the form of data, data redundancy, and the difficulty of knowing financial information in the form of costs, income, and balance sheets, as well as difficulties in getting late and accurate payment data (2) This is the first point, causes another problem in the form of recording payments as well as the management of financing carried out by the manager. The solution provided is under business needs by (1) Providing training in financial reporting to comply with standards. (Providing training in financing management). This mentoring and training method is carried out with an in-house training approach, strengthening groups, and continuous mentoring. The results obtained are gaining new knowledge, Improving financing procedures, partners can make financial reports independently, and making it easier for partners to make decisions that are taken.