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Unemployment is a significant economic problem that can affect society's well-being. In an Islamic economic perspective, unemployment is viewed through the lens of social justice, equitable distribution of wealth, and other sharia principles. The causes of unemployment in an Islamic economy include unfair distribution of wealth, lack of relevant education and skills, injustice in the conventional interest-based financial system, and economic and political instability. To overcome unemployment, Islamic economics offers solutions through the effective implementation of zakat, alms and waqf, the use of profit-sharing-based financial instruments such as mudharabah and musyarakah, as well as investment in education and skills training. The government also plays an important role in creating an environment that supports job creation through fair and stable policies. Encouraging entrepreneurship through training and access to capital is also an effective strategy in reducing unemployment. This holistic approach not only aims to reduce unemployment levels, but also to create a more just and prosperous society in accordance with Islamic economic principles.    

The government's role in Islamic economics is very significant, not only in regulating public aspects in accordance with Islamic principles, but also in financial matters such as managing basic needs, creating jobs, and maintaining the stability of the value of money. Public authorities need appropriate arrangements to steer the economy in the desired direction. One of the strategies used is financial regulation, which aims to control the money supply so that economic growth is stable, the cost of living is affordable, and jobs are available. This research aims to explore how the financial approach works from an Islamic perspective in depth. In the context of Islamic economics, the task of public authorities is to ensure that Islamic principles apply in terms of free income, interest-free economy, and money management in accordance with Islamic principles. Financial regulatory instruments also go beyond the use of open markets and custody of money, including in terms of distribution of credit, proportion of advances, and benefits in accordance with Islamic rules. This journal explores the relationship between monetary policy and economic development from an Islamic perspective. The focus is on the government's role in regulating monetary policy to achieve stable and sustainable economic growth in accordance with Islamic principles. The discussion includes financial management strategies that include controlling the money supply, stability of the value of money, and development of an interest-free economy. By considering the basis of free income in Islamic economics, this journal also highlights monetary policy instruments that are in accordance with Islamic values, such as credit distribution and benefit proportions that follow Islamic rules. This research aims to provide in-depth insight into how monetary policy can be implemented effectively in the context of Islamic economics, as well as implications and suggestions for sustainable economic development from an Islamic perspective.

This research applies the Monte Carlo simulation method to predict the movement of Apple Inc.'s stock price over a long period of time. Using historical data of Apple's stock price from 12 December 1980 to 24 March 2022, this study aims to generate a probability distribution of the future stock price. The method involves several steps, including data collection, log return calculation, parameter estimation, and simulation of the stock price path through random iterations based on the log return distribution. The simulation results show that the closing price of Apple stock can be predicted by following the historical trend, although there are differences with the real data due to the stochastic nature of the Monte Carlo technique. This research also applies a variance reduction method to improve simulation efficiency. The findings provide a valuable perspective for investors and financial analysts in identifying investment risks and opportunities through an in-depth understanding of the dynamics of stock price movements using Monte Carlo simulation. Suggestions for future research include the use of VaR methods with historical variance and covariance approaches, as well as considering longer data periods and more stock indices for more comprehensive results.

This research analyzes Islamic monetary policy and state revenues in the context of economic growth, especially in Indonesia. Monetary policy is the government's effort to improve economic conditions by regulating the amount of money in circulation. In the context of an economic crisis, monetary policy becomes important to balance the real sector and overcome the problem of currency value and the role of money as a commodity that sells interest or usury. This research reveals that monetary policy has input in the form of monetary policy instruments that influence the amount of money in circulation, while the output includes price stability and economic output. Islamic monetary policy is emphasized as a policy that must be free from usury and interest, following the principle of profit sharing in money management. Apart from that, this research also reviews monetary policy during the time of Rasulullah SAW, where monetary management was based on the principle of baitul mal and the allocation of funds for the spread of Islam, education, infrastructure development and social welfare. an Islamic economic perspective, monetary policy must pay attention to economic welfare with full employment opportunities, socio-economic justice, income distribution, and stability of the value of money. This refers to the principles of maqasid sharia in creating balance and prosperity for society. Monetary policy in Indonesia, led by Bank Indonesia, uses various instruments such as reference interest rates, open market operations, provision of liquidity, regulation of storage facilities, and reserve requirements. mandatory to achieve price stability, economic growth and financial system stability. This research provides in-depth insight into the importance of Islamic monetary policy in achieving macroeconomic goals and its impact on economic growth in Indonesia.

This study aims to determine the influence of financial perspective, customer perspective, internal business process perspective, and growth and learning perspective on the performance of PT. Bank Negara Indonesia Syariah Branch Makassar. This research method is quantitative and qualitative. Population in the study were employees and customers of PT.BNI Syariah Makassar Branch. Data collection techniques using questionnaires. Data collected and processed using SPSS. Based on the results obtained financial perspective variables (X1) amounted to 2.241 with R persial 0.030, (X2) amounted to 3.879 with r persial 0.000 , Internal business (X3) amounted to 2.391 with r persial 0.021 with GIS 0.05, growth and learning (X4) amounted to -2.412 with r persial 0.020.

This research aims to explore the phenomenon of hedonism among recipients of the Kartu Indonesia Pintar Kuliah (KIPK) scholarship from a new socio-economic perspective. Using a qualitative approach with in-depth interview methods, this study was conducted at Universitas Negeri Jakarta in May 2024. A total of 8 students, both KIPK recipients and non-recipients, were purposively selected as informants. Data collection techniques were carried out through face-to-face interviews or communication media using structured interview guidelines. The data obtained were then thematically analyzed to identify patterns, differences, and key factors influencing the hedonism phenomenon among KIPK recipients. The research results reveal that social pressure, campus environment, social media, ineffective financial management, and lack of financial education are the main driving factors of consumptive behavior among KIPK scholarship recipients. The findings also identify negative impacts such as misuse of funds, social jealousy, and misalignment in the implementation of the scholarship program. This research provides important insights to enhance the effectiveness of financial aid programs through a more holistic and sustainable approach.  

This research aims to provide a deeper understanding of the basic differences between bonds and sukuk, as well as the implications for Muslim investors in choosing investment instruments that comply with sharia financial principles. The money method used is descriptive-analytical with a qualitative approach to compare bonds and sukuk from a sharia financial perspective. Data was obtained through literature studies from journal literature and official documents related to these two financial instruments. The results of this research are first, although sukuk and bonds are almost similar, if examined more deeply, the two have contradictory characteristics. The main difference is in the use of sharia principles in sukuk while bonds do not. Second, conventional bonds do not require collateral assets, while sukuk must have collateral assets. Third, sukuk is not a debt and receivable instrument that charges interest (riba) like bond transactions, but just like sukuk bonds are part of an investment instrument. Fourth, in terms of offering price, maturity, bond principal at maturity, and rating between sukuk and bonds there is no difference.

The objective of this study is to assess the performance of the DANA application as an electronic wallet and analyse the effect of managing the application's securities on user decision-making when using the application in the setting of the digital economy based on the sovereignty of the Unitary State of the Republic of Indonesia (NKRI). The study method employed was a qualitative literature review. The data was acquired by consulting relevant scholarly publications on Google Scholar to thoroughly comprehend the advancement of knowledge about the subject matter and identify areas of research that require further exploration. The hypothesis analysis revealed a significant correlation between the advantages of the digital economy, the growth of the digital economy, and the factors affecting the utilisation of E-Wallets or Dana apps within the Homeland. The development of the digital economy enhanced a nation's ability to withstand challenges by promoting economic sovereignty, cybersecurity and inclusive economic growth. Various factors, including data security and the rise of the digital economy, affected the utilisation of Dana applications. In addition, these factors affected the execution of national values. Utilising the Dana application as a digital wallet strengthened the nation's economic sovereignty and enhanced well-being and financial inclusivity across all segments of Indonesian society. Hence, comprehending the security management of the application and users' perspective regarding it is crucial in affecting users' trust and their decision to embrace the Dana application as their preferred E-Wallet for supporting the NKRI sovereignty-based digital economy.

The concept of accrual accounting is a basis commonly applied in financial institutions in Indonesia. However, Islamic banks have a different perspective on implementing the accrual accounting concept. This research aims to analyze the application of accounting recording methods with the concept of accrual accounting in sharia banking. The research method is descriptive qualitative research with data collection techniques in the form of library research. The findings show that the implementation of the accrual accounting concept in sharia banking cannot be fully implemented because there are elements that conflict with sharia principles. These elements are uncertainty and gharar, as well as the high potential for institutions to fall into earnings management practices. This makes sharia banking apply a limited accrual method and adapt it to sharia principles. In calculating profit sharing, Islamic banking does not apply accrual accounting because it requires real cash inflows and receipts. Islamic financial institutions can use accrual accounting for financial reports which aims to increase transparency and accountability before stakeholders.

This research is intended to: (1) find out how the review of the imposition of criminal sanctions for abuse of authority by village officials is based on the Gorontalo District Court Decision Number 1/Pid.Sus TPK/2020/PN Gto, and (2) find out what factors influence the imposition of crimes on Gorontalo District Court Decision Number 1/Pid.Sus-TPK/2020/PN Gto. This research uses a type of normative legal research that uses legal norms, including statutory regulations, doctrine, and judge's decisions as a foundation for providing arguments. The approach models used are the statutory approach, case approach and conceptual approach. The research results show: first decision no. 1/Pid.Sus TPK/2020/PN Gto, is not completely correct because prison sentences tend to be low and do not comply with legal principles and harm the sense of justice in society. Apart from that, the implications of the judge's decision in decision no. 1/Pid.Sus TPK/2020/PN Gto, if examined from the perspective of the principles of justice, expediency and legal certainty, these principles have not been fully implemented because it can be seen from the low number of judges' sentences against defendants. Second, the factors influencing the imposition of criminal sanctions in case no. 1/Pid.Sus TPK/2020/PN Gto, it was the absence of aggravating reasons applied by the panel of judges, and the public's perception or opinion of the defendant not being considered, which resulted in the sanction imposed being only 3 (three) years in prison.

This study aims to analyse the economic behaviour in online shopping of generation Z Islam in Mamuju District from the perspective of Islamic consumption behaviour. The research method used is qualitative with a phenomenological approach. Data was collected through interviews with generation Z Muslim informants from five groups/communities in Mamuju Sub-district to explore their experiences in online shopping in e-commerce and how it is analysed from an Islamic perspective. The results showed that based on an Islamic perspective, the informants' consumption behaviour can be explained as follows: 1) They choose products based on cleanliness, quality, and authenticity. 2) Informants buy goods based on rating, price, description, user reviews, and bestseller status so that online transactions become transparent and honest. 3) Informants shop simply, according to their needs and financial capabilities, and shop 2-3 times per month on average. 4) Informants do not buy goods that are prohibited in Islam and help the economy. 5) They avoid impulsiveness by putting items in the basket first before buying, and the majority use the pay-on-site (COD) and ShopeePay methods to comply with religious rules. The conclusion of this study is that the majority of informants behave in accordance with consumption ethics in Islam, although there are a small number who are not yet in accordance due to the influence of changing times and lack of self-control in making economic decisions.

The purpose of writing This For understand the review of Islamic law regarding the practice of buying and selling breast milk (ASI) in Ujung Pandang District, Makassar City. The theoretical benefit of this research is that it is hoped that this research can provide a useful contribution to the development of knowledge regarding the buying and selling of breast milk in society and the attitude of the government and religious figures towards the practice of buying and selling breast milk (ASI) in handling it and practically, it is hoped that this research can help provide ideas for the community and readers regarding the buying and selling of breast milk from the perspective of Islamic law. The research method is empirical juridical research. The results of this research show (1) An overview of Islamic law regarding the practice of buying and selling breast milk (ASI) in Makassar City, especially in Ujung Pandang District, namely that it should not allow buying and selling breast milk (ASI), because there are many disadvantages (damage/danger). Because the buying and selling of breast milk (ASI) which is carried out through the Indonesian Association of Breastfeeding Mothers (AIMI) does not have recorded data so the source of breast milk (ASI) is not clear between the sellers and buyers of breast milk (ASI). (2) Factors that influence the practice of buying and selling breast milk are as follows: 1. Economic factors, where the perpetrators of buying and selling breast milk (ASI) are breastfeeding mothers who are still young and some of them are not able to produce breast milk. (ASI) is good, where the perpetrators of buying and selling breast milk (ASI), especially respondents who sell breast milk (ASI), experience financial shortages, so they choose to sell breast milk (ASI) through the Indonesian Breastfeeding Mothers Association (AIMI). 2 the religious factor, which is due to a lack of education and support from the family so that many perpetrators of buying and selling breast milk (ASI) do not really understand the importance of religious knowledge in carrying out the practice of buying and selling breast milk (ASI). Conclusions of Writer are: (1) Overview Islamic law regarding practice sell buy breast milk (ASI) in Makassar City, especially in Ujung Pandang District , namely should No allow exists sell buy breast milk (ASI), because Lots harm ( damage / danger ). Suggestions from Writer are: (1) It is better not to breastfeed (ASI). bought and sold in a way illegal nor free. (2) Necessary exists supervision morestrict from institution government nor non- governmental institutions local about practice sell buy breast milk (ASI) so you don't happen.

From an Islamic perspective, the number of online transactions that fall under the heading of fiqh muamalah niaga or buying and selling is rapidly increasing. Islam has laws that apply to both buyers and sellers in buying and selling transactions. The purpose of this study is to examine the basic elements and requirements for implementing a greeting contract in online buying and selling transactions that comply with the Statement of Islamic Financial Accounting Standards PSAK Syariah 103. The research was conducted using qualitative methods and case study methods were conducted in the Online Store. The informants of this research are traders and consumers. The results showed that sellers generally know the pillars and conditions of buying and selling online in an Islamic perspective. Akad Salam has been carried out by business people with the term pre-order, business people do not know and apply PSAK Syariah 103. Research results can be useful for entrepreneurs, academics as well as government agencies and the community.    

Employee productivity is one of the determining factors for the company's success in achieving its goals. Proper leadership implementation can increase employee productivity, especially in the banking sector. A leader in the banking sector must be able to unite perceptions (perspectives) in every element of the company, both employees and leaders of institutions in an effort to achieve the goals of financial institutions. This can be seen from the leadership style applied to one of the banking institutions in Indonesia, namely PT. State Savings Bank Jombang Sharia Sub-Branch Office. This research was conducted with the aim of knowing how to implement the leadership model at PT. BANK BTN KCP Syariah Jombang in relation to increasing employee productivity. This study uses the literature review method. Based on the results of literature studies, it can be seen that the leadership model at PT. BANK BTN KCP Syariah Jombang implemented is a democratic, charismatic, and transformational leadership model. Leadership plays an important role in employee productivity. This is because the application of a good leadership model will affect the morale, loyalty, work ethic, and company culture. If employees have a high.

Conceptual understanding of riba and its influence in Islamic economics is an important subject in the context of Islamic finance. This research highlights the conceptual understanding of riba and its implications from the perspective of Islamic economics. Through a literature review approach, this article explores various views and arguments related to riba in Islam and Islamic economics. The analysis in this article underscores the need for a deep understanding of riba in the context of Islamic economics. Through this approach, policies can be formulated to promote principles of justice, equality, and sustainability in the Islamic financial system. Practical implications include profit-sharing systems such as mudharabah and musyarakah being used to replace riba practices, ensuring fairness and equality among parties involved in transactions. Additionally, a deeper understanding of Sharia economics and strict supervision of riba practices in the financial sector are crucial to assist individuals and institutions in managing finances in accordance with Islamic law. In conclusion, the conceptual understanding of riba and its influence from the perspective of Islamic economics is an important aspect in building a financial system that aligns with Islamic principles. By understanding the implications of riba, society can take more sustainable and equitable steps in developing Sharia-based economies.

This article discusses the efforts of the Indonesian Financial Audit Agency (BPK) in preventing and eradicating corruption, reviewing the BPK's main role in auditing state financial management to achieve transparency, accountability and integrity in the use of public budgets. The BPK is also involved in eradicating corruption by conducting investigative audits of suspected corruption cases and revealing facts related to the perpetrators, modus operandi and state losses. In carrying out its duties, the BPK must pay attention to the Human Rights (HAM) perspective to ensure that its efforts do not violate individual rights guaranteed by the constitution and statutory regulations. This article explores how the BPK maintains its independence to carry out objective audits and provide recommendations based on valid data. With a deeper understanding of the role of the BPK, it is hoped that this article will increase appreciation of the importance of cooperation between the BPK, government and society in overcoming corruption which undermines development and human rights principles.

Discounts and promotions are the main motivation, while most feel that the financial risks outweigh the benefits. This research aims to highlight aspects of financial risk associated with adolescent consumption choices in the e-commerce era so that this study contains an analysis of the impact of using the "PayLater" option on Shopee on adolescent consumption behavior, focusing on financial implications and usury perspectives. The method used in this study was qualitative and literature with research subjects of adolescents aged 17-21 years. The results of this study show that the use of the "PayLater" option on Shopee affects teenagers' consumption behavior in a complex way. The majority of teenagers have a neutral point of view influenced by friends and Shopee promotions.

The purpose of this writing is to discuss the application of the Balanced Scorecard (BSC) in companies to improve financial performance. The focus is on the concept and use of BSC as a strategic management tool without emphasis on specific research. The implementation of BSC is described as a holistic approach that allows companies to measure and manage their performance through four main perspectives: financial, customer, internal processes, and learning and growth. In discussing the application of the BSC, this paper highlights how this framework helps companies to reconcile strategic objectives with operational actions. An in-depth understanding of each BSC perspective is provided, with a particular focus on how non-financial aspects can support improved long-term financial performance. Cases of BSC use in companies as illustrative case studies are also included to provide a practical overview. The results show that the implementation of BSC can guide companies in achieving strategic balance, enabling management to make more informed and comprehensive decisions. The practical and strategic implications of implementing BSC without specific research are outlined as a potential guide for companies seeking to improve their financial performance through a balanced and integrated approach.

This study aims to analyze performance in the East Jakarta Religious Court using this research method in the Balanced Score Card is a descriptive research that aims to clearly describe the analysis of employee performance through the analysis of growth and learning perspectives, customer perspective analysis, financial perspective analysis and internal business perspective analysis. The results of the research on the performance of employees of the East Jakarta Religious Court with the Balanced Score Card are quite good from the analysis of the internal business perspective of 9.09%, the analysis of the growth and development perspective of work discipline over the past 3 months by 20.5%, then in employees who are given training has increased over the past 3 years by 35.27% and employees who have left have decreased in the last 3 years by 10.82%, then the analysis of the financial perspective for the last 3 months by 0.804. In this study draws the conclusion that there is a significant influence between employee performance and the application of the Balanced Score Card. Because the East Jakarta Religious Court is still experiencing a decrease in outgoing employees because these 4 perspectives are considered not optimal

This research aims to determine the performance of government procurement of goods and services using the Balanced Scorecard approach. By using the literature or literature study method, a technique for collecting data is by conducting a review study of books, literature, notes and reports that are related to this problem. Based on the research results, it shows that in general, the procurement performance can be considered quite good. Several aspects have been assessed positively. Financial performance shows a high level of budget realization and efficient use of resources. From a customer perspective, the level of customer satisfaction is also quite good, reaching 85%. Meanwhile, from an internal business process perspective, the efficiency of procurement of goods and services reached 95%. From a growth and learning perspective, efforts to improve performance have produced positive results.