This study aims to show the effect of financial literacy, education level, and income level on family financial planning in Banjar Balam village, Lirik sub-district, Indragiri Hulu regency, and Riau province. The research method was developed quantitatively. The population of this study was all heads of families in the Banjar Balam village, as many as 504 people. The sampling technique used purposive sampling in order to obtain 80 samples. Research shows that financial literacy and income level positively and significantly affect family financial planning. In contrast, the level of education does not affect family financial planning. Simultaneously financial literacy, education level, and income level significantly affect family financial planning by 34 percent. This research can be a reference for local governments in disseminating family financial planning in Indragiri Hulu regency.

In the face of industrial development in the industrial revolution era 4.0, the need for reliable preparation of Human Resources, so that no less competitive with the rapid growth of information and technology. Community service activities are carried out with themes by the latest developments in the industrial world aimed at the pre-employment community as participants to have theoretical and applicable knowledge, insights and expertise in the banking sector. The method of this activity is in the form of training with a mini bank simulation and the practice of counting money using 3 fingers. Participants are given knowledge in the world of banking and are guided to practice some basic skills that must be possessed by a banker. This activity involves academics and practitioners in the field of banking. From the results of the training provided, the achievement of the objectives of service activities can be seen from the understanding of participants in explaining some of the terms of funds, credit, other bank services and bank work systems as well as the ability of participants to simulate work at the bank. With this knowledge and expertise, it is expected to create human resources who are ready to work in banking and reduce the unemployment rate.

The increase in the average need for oil and gas for both the public and the industrial sector has forced Indonesian oil and gas companies to look for new oil reserves in the midst of declining oil and gas production from year to year. If Indonesian sub-oil and gas companies cannot survive in these conditions, they are likely to experience losses that will affect their financial position and will eventually face financial distress or be threatened with bankruptcy. The purpose of this research is to determine the prediction of bankruptcy in sub-oil and gas companies in Indonesia that are listed on the IDX. 2017 – 2020 using Altman's Z – score and Springate models. Using the purposive sampling method in sampling, 11 oil and gas mining sub-sector companies were listed on the Indonesia Stock Exchange in 2017 – 2020 from a total population of 44 companies obtained from the website www.idx.co.id as secondary data. The score of each model is calculated mathematically with the Microsoft Excel Office 2019 application, and then performs calculations to find the most accurate bankruptcy prediction model. The results show that the Altman Z-Score and Springate models in predicting bankruptcy have a low level of accuracy.