Dusun Dalam Village Government established a Village-Owned Enterprise (BUMDes) Karya Dermawan is a policy utilization. The main pillar was established BUMDes Karya Dermawan in accordance with the mandate of the objectives whose activities were oriented to encourage the welfare of the village community. Therefore, this study was conducted aimed at looking at the welfare provided by BUMDes Karya Dermawan Dusun Dalam village especially to the beneficiary community and compare the level of welfare before and after BUMDes Karya Dermawan was established. This study uses a descriptive quantitative approach, and data sourced from primary data by using Paired Sample t-Test as a data analysis tool. This study shows that BUMDes Karya Dermawan provides welfare to the beneficiary communities through businesses that have been established including Cooperatives; Alsintan; and Workshop, which is directly able to change or succeed in providing an increase in welfare for the beneficiary community after the establishment of BUMDes as evidenced by the results of the Paried Sample t-Test analysis. With this evidence of success, for all elements should give intensive attention; so that the development of BUMDes Karya Dermawan exists even more as a driver of community welfare. And also, integratedly invites and becomes a valuable lesson for existing villages to establish BUMDes or villages that already have BUMDes, but have not succeeded in providing a common thread for the welfare of their citizens.

The purposed of this study was to analyze the influence between income and household consumption on the welfare of potatoes taffy business in Lubuk Nagodang Village, Siulak Subdistrict, Kerinci regency. This study was assessing the welfare of taffy business in Islamic economic concepts and indicators. Field research with quantitative-qualitative (Mixed Method) as the method and approach used in this research. The research data was sourced from primary data, using multiple linear regression equations as a data analysis tool. This study was shown that the income partially has a significant effect on the welfare of potatoes taffy business that assessed from the Islamic economic concept. Then, household consumption partially has a significant effect on the welfare of potatoes taffy business assessed from the concept of Islamic economics. Besides, the income with household consumption simultaneously has a significant effect on the welfare of potatoes taffy business assessed from the concept of Islamic economics with a significance value of 0.000 0.05, and both variables contribute 69.2% together, while the remaining 30 ,8% influenced or explained by other factors not discussed in this study.

Excellent service is the main thing that must always innovate in meeting customer needs. In the competitive banking world, direct contact with service is very important because customer satisfaction is a reflection of the quality of service. This study describes excellent service to the elderly who have several obstacles such as hearing loss, low education levels, communication barriers, which must receive special attention in service. The method in this study uses a descriptive qualitative type, then the results of the study show that excellent service has been implemented for the elderly with various strategies that have been implemented such as using regional languages for elderly customers who have problems understanding banking terms in transactions.

Penelitian ini bertujuan untuk mengidentifikasi faktor internal dan eksternal Baitul Maal Wat Tamwil (BMT) Agam Madani di Kabupaten Banuhampu. Masalah dalam penelitian ini untuk melihat strategi pengembangan Baitul Maal Wat Tamwil. Data yang digunakan dalam penelitian ini menggunakan data primer yang telah dikumpulkan dengan menggunakan pertanyaan dan dianalisis menggunakan analisis faktor internal dan eksternal serta analisis kuantitatif SWOT, tahap SWOT mengasumsikan strategi efektif yang memaksimalkan kekuatan dan peluang serta meminimalkan kelemahan dan ancaman. Hasil penelitian menunjukkan bahwa (1) Strategi pengembangan BMT melalui peningkatan kualitas sumber daya manusia yang dimiliki BMT, (2) Strategi pengembangan melalui peningkatan kualitas manajemen organisasi, (3) Strategi pengembangan melalui penyediaan infrastruktur dan teknologi yang dibutuhkan dalam pelayanan. Penelitian ini juga mengungkapkan bahwa dalam strategi peningkatan kualitas manajemen organisasi terdapat strategi lain yang cukup penting untuk pengembangan BMT ke depan.

Berangkat dari teori Engel dan beberapa penelitian lainnya bahwa konsumsi non pangan naik jika terjadi tingkat kesejahteraan. Data Kabupaten Kerinci menunjukkan rendahnya konsumsi pangan sedangkan angka kesejahteraan tinggi. Hal ini perlu dilakukan lebih lanjut tentang bagaimana Perilaku Konsumsi Rumah Tangga Muslim Sejahtera di Desa Koto Iman Kec. Danau Kerinci dalam teori al-Qaradhawi. Tujuan penelitian untuk melihat realisasi konsumsi Rumah Tangga Muslim Sejahtera di Desa Koto iman Kec. Danau kerinci dan melihat perilaku konsumsi keluarga muslim sejahtera ditinjua dari teori Yusuf al-Qaradhawi. Penelitian ini merupakan penelitian lapangan ( field research .) ) dengan metode penelitian kuantitatif.Hasil penelitian menunjukkan perilaku konsumsi pada keluarga muslim sejahtera desa Koto Iman kabupaten kerinci dengan kategori sangat baik dan memiliki pengaruh signifikan terhadap perilaku konsumsi sederhana.