Simplification of the structure and equalization of administrative positions is a bureaucratic streamlining program to realize fast, effective, and efficient public services, As is the priority program of the leadership of the president and vice president. The purpose of this study analysis is to analyze the effectiveness of the policy of equalizing administrative positions to functional positions in the Regional Secretariat of North Maluku Province. This study uses a descriptive analysis approach to explain and analyze the effectiveness of equalization of positions. The study data used is in the form of literature studies. The results of the study analysis show that the policy of equalizing administrative positions to functional positions has not been implemented effectively. The impact on the equalization of administrative positions into functional positions is still in accordance with the indicators of organizational efficiency. Administrative officers who are transferred to majority functional positions do not meet the educational and competency requirements required in the functional positions they will occupy, because the equalization of positions provides a lot of tolerance for the requirements of functional positions.

This study aims to investigate the influence of financial literacy and Sharia financial literacy on financial attitude and behavior. The population in the study were students of Khairun University and IAIN Ternate. A total of 188 respondents were involved and purposively selected as the samples. The study used validity and reliability tests as part of the instrument test. For hypothesis testing, a simple regression analysis was used. The results showed that all hypotheses were supported. The final part of the study discusses findings, conclusions, and suggestions for future research.

The aims of this study were: (1) to find out and analyze the effect of financial knowledge on family financial management in the people of the East Tidore sub-district. (2) To find out and analyze the effect of financial knowledge on financial management moderated by lifestyle. The number of samples in this study were 100 respondents from family members in the East Tidore sub-district. The test tool used is simple linear regression analysis using the statistical package for social scientists (SPSS) 25 as a statistical test tool. The results of the study show that: (1) Financial knowledge influences family financial management in the East Tidore sub-district community; and (2) Lifestyle influences and strengthens financial knowledge on family financial management in the East Tidore sub-district community

Riset terbaru di 2019 menyebutkan Bahwa indeks literasi keuangan masyarakat di kota Ternate termasuk masyarakat di Kota Ternate yang masih berada pada kondisi less literate, artinya masih banyak masyarakat yang belum melek dan teredukasi mengenai keuangan. Akibatnya, di kota Ternate marak terjadi investasi ilegal yang merugikan masyrakat, bahkan masyrakat dengan pendidikan tinggi sekalipun. Dalam menyelesaikan permasalahan mitra diatas diperlukan sebuah metode pelaksanaan yang efektif, yaitu metode partisipatif. Dimana pada metode ini mitra diberi keleluasaan untuk mengemukakan inovasi dan kreativitas mitra sedangkan pengabdi lebih pada mengarahkan. Program Pengabdian Kepada Masyarakat (PKM) ini memberikan fasilitasi dan transfer iptek kepada pihak mitra (UKM Bisnis) oleh Tim PKM yang mempunyai kepakaran di Bidang Manajemen Keuangan dan Manajemen Strategi. Melalui kegiatan pengabdian ini masyarakat terutama generasi muda di Kota Ternate memperoleh tambahan pengetahuan tentang literasi keuangan sehingga memiliki kemampuan dalam melakukan perencanaan keuangan dengan lebih baik, dapat menentukan produk dan layanan jasa keuangan yang sesuai dengan kebutuhan, memahami dengan benar manfaat dan risiko, mengetahui hak dan kewajiban serta meyakini bahwa produk dan layanan jasa keuangan yang dipilih dapat meningkatkan kesejahteraan masyarakat, serta terhindar dari aktivitas investasi pada instrumen keuangan yang tidak jelas.

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