<p style="text-align: justify;">This research aims to analyze the effects of intelligence quotient, emotional quotient, spiritual quotient, and adversity quotient on the graduates quality of vocational higher education. Data were collected from 217 cadets at Surabaya Shipping Polytechnic who already took an internship as respondents using stratified cluster random technique. This is a correlational and quantitative study using a questionnaire developed from several existing scales and analyzed using Structural Equation Models (SEM) to determine the path of effects and to create the best structural model of intelligence-based graduates quality (IESA-Q). The results indicate that there are direct and indirect effects of intelligence quotient, emotional quotient, spiritual quotient, and adversity quotient on graduates quality, meaning that each quotient has a positive effect on graduate’s quality. The process to create the professional and ethical quality of Surabaya Shipping Polytechnic graduate is dominated by Emotional Quotient (25,2%) and Spiritual Quotient (21,4%), while Intelligence Quotient (IQ) becomes the support as it effects the development process of all quotients, Emotional Quotient (EQ), Spiritual Quotient (SQ), and also Adversity Quotient (AQ). Therefore, based on the findings of this study, the student acceptance requirements are emphasized on IQ and EQ as a basis to develop other quotients in order to generate graduates with good quality. Learning is designed on IQ, EQ, SQ, AQ to control and to evaluate process and product outcomes.</p>

Financial behavior is a means by which a person treats, manages, and uses available financial resources. This research aims to determine the effect of financial literacy and the use of financial technology on financial satisfaction through financial behavior as an intervening factor. Data were collected from 112 economics teachers using purposive proportional random sampling technique. Structural Equation Modeling (SEM) with AMOS 26 software was used to analyze the data. The results of this research indicate that financial literacy has no effect on financial behavior, but the use of financial technology has an effect on financial behavior, financial literacy and the use of financial technology has an effect on satisfaction finance. It was also found that financial literacy and the use of financial technology were mediated by financial behavior. Finally, use of financial technology had no effect on financial satisfaction through financial behavior as an intervening variable. These results have useful practical and theoretical implications.

Penelitian ini bertujuan untuk menganalisis pengaruh pengetahuan tentang bank syariah dan literasi keuangan terhadap minat menabung siswa pada bank syariah di kelas XI IPS MAN 2 Kota Malang.Pendekatan yang digunakan dalam penelitian ini adalah penelitian kuantitatif.Teknik pengambilan sampel yang digunakan adalah teknik sampling jenuh, dimana seluruh populasi digunakan sebagai sampel, yaitu sebanyak 62 orang siswa.Dalam penelitian ini analisis yang digunakan untuk mengetahui pengaruh pengetahuan tentang bank syariah dan literasi keuangan terhadap minat menabung di bank syariah dengan menggunakan regresi linier berganda.Berdasarkan hasil analisis data, dapat disimpulkan bahwa pengetahuan tentang bank syariah berpengaruh terhadap minat menabung siswa pada bank syariah di kelas XI IPS MAN 2 Kota Malang.

The study aims to 1.) analyzing the Influence of the Income Level to Consumption Level In Post Graduate Students Universitas Negeri Surabaya, 2.) analyzing the Influence of the Economics Knowledge to Consumption Level In Post Graduate Students Universitas Negeri Surabaya, 3.) analyzing the Influence of the Income Level and the Economics Knowledge of Consumption Level In Post Graduate Students Universitas Negeri Surabaya. The population in this study were Post Graduate Students Universitas Negeri Surabaya, using proportional random sampling technique sampling. Methods of analysis using multiple regression analysis. The results showed that the level of income has partially significant effect on the level of student consumption Post Graduate Students Universitas Negeri Surabaya. Economics Knowledge negatively affect consumption levels Post Graduate Students Universitas Negeri Surabaya. Income levels and economic knowledge simultaneously have a significant effect on the level of student consumption Post Graduate Students Universitas Negeri Surabaya

Writing Training of Class Action Research Proposal (TOD/PTK) was held for the MGMP teachers in Sidoarjo Regency which is located at SMANOR Sidoarjo. The Community Service Activities aims to (1) provide information to the trainees about the basic concept of classrooms action research, the essence of class action research (2) to assign the arranging proposal to all participants; (3) giving guidance to all participants about the review of Class Action Research (PTK). This community service activities research using communicative or speech method at the time of giving materials to the participants, discussion and frequently asked questions and the practice of directly compiling a class action research proposal (PTK) and done by the guidance from PKM team. The results obtained community service activities on the classroom action research proposal writing training give benefit to the MGMP economics teacher at Sidoarno Regency. It is because of all participants now are able to arrange their own proposal of class action research, and it is also procide benefits for teachers to continue on making class action research that can be useful for a teacher's promotion