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This study aims to examine the development of Ijarah products as an alternative financing in Islamic Financial Institutions (LKS) in Indonesia, with a focus on its implementation in meeting customer financing needs. Ijarah, as a lease agreement in the Islamic financial system, offers financing solutions that are in accordance with sharia principles and has great potential in the Indonesian Islamic financial industry. This study uses a qualitative method with a case study approach, analyzing primary and secondary data from several LKS that have implemented Ijarah products. The research findings show that Ijarah products have advantages in providing financing flexibility, especially in fixed asset sectors such as property and vehicles. However, challenges faced in developing this product include a lack of customer understanding and regulatory complexity. The implications of this study indicate that strengthening socialization and increasing the operational capacity of LKS in offering Ijarah products is very important to increase the competitiveness and inclusion of Islamic finance in Indonesia.

The importance of knowledge related to Islamic finance and management related to Islamic finance, so that people are not trapped in debt, such as online loans, want financial institutions that provide loans with very large interest to the community. The purpose of this community service is to provide knowledge on the importance of sharia financial literacy and sharia financial management procedures. The method of implementing this community service uses the method; FDG: Lectures, Practices and Participant Assistance. The implementation of this community service was on December 16, 2023, at one of the meeting places in Sasa village, independent PKM activities were held in the afternoon at 13.00 Wit until completion. Participants who attended this PKM activity were 25 people consisting of mothers in Sasa village.

Knowledge of finance, understanding of religiosity and security are three aspects that can influence a person's decision to make savings. By understanding these three aspects, it is hoped that the millennial generation will become a generation of quality for the progress of the nation and state. This research is a descriptivequantitative research using primary data. The sample used in this study was 95 millennial generation respondents. Data were obtained by distributing questionnaires both in person and online to respondents who met the qualifications as millennials or those born in 1990 to 2000. The data that was obtained was then processed with statistical software tools, namely SPSS version 26. The results in this study based on the regression test are: first, partially, the financial literacy variable has no influence on saving decisions. Second, partially, religiosity does not have a significant influence on the decision to save in Islamic banks. Third, partially, security has a significant influence on the decision to save in Islamic banks. And fourth, simultaneously, financial literacy, religiosity and security variables significantly influence the decision to save in Islamic banks.

The growth of Islamic banks in terms of distribution of funds nationally is quite large. The large amount of funds that have been successfully distributed will ultimately improve human welfare. This is because one of the objectives of operating banking using sharia principles is to improve the level of community welfare. The problem in this research is how development impacts indigenous communities and how sharia finance impacts communities. using the literature study method to analyze how development impacts indigenous communities and how sharia finance impacts communities prepares local communities to increase their ability to participate in regional development and sharia finance. Through the literature method.

The purpose of this thesis is to manage Islamic finance MSMEs at Muaro Jambi Temple, to find out the obstacles in managing MSME sharia finance at Muaro Jambi Temple and to find out the efforts of MSMEs in financial management at Muaro Jambi Temple. This thesis uses a qualitative approach with data collection methods through observation, interviews, and documentation. Based on the research conducted, the following results and conclusions are obtained: MSME Islamic Financial Management in Muaro Jambi Temple is carried out by trying only to take what is lawful and good, lawful way of acquisition: through trade that applies voluntarily and willingly, lawful method of acquisition: act fairly and avoid doubts and lawful. How to use: Help each other and avoid excessive risks. Obstacles in MSME Islamic Financial Management at Muaro Jambi Temple include personal needs and business turnover that are not separated and limited knowledge. Efforts in MSME Islamic Financial Management at Muaro Jambi Temple include the use of the budget in the needs that will be carried out so that the business being run can benefit, recording is done to anticipate losses occurring or expenditures occurring, so that income will also be clearer when recording, reporting is done made not just written numbers but have information. Exercising control by fully implementing control over the financial management of its business.

Sharia shares are a form of ordinary shares which have special characteristics in the form of strict control regarding the halal scope of business activities. One of the shares listed on the stock exchange belongs to BRI Syariah. Bri Syariah is a sharia bank that has sharia shares. BRI Syariah with the ticker BRIS conducted an initial share offering. Currently, many people are interested in BRIS shares. The increase in BRIS shares is due to the increasing number of people showing interest in sharia finance. Sharia capital markets are capital market activities that do not conflict with sharia principles in the capital market. The explanation of the phenomena stated above provides a gap that requires urgent further research related to the law of buying and selling BRIS shares in the sharia share community from the perspective of Islamic and positive law. This research is normative juridical research that is qualitative in nature. Normative juridical research is a process for determining legal rules, legal principles and legal doctrines. In this research, the approach used is a statutory approach and an analytical approach. From the results of the author's research, it was found that the process of buying and selling BRIS shares from an Islamic legal perspective must avoid several aspects, namely Bai' al-Hamisy and Bai' al-Maksyuf. The practice of buying and selling BRIS shares in the Sharia Shares Community begins with a contract process that is adapted to DSN-MUI No.80 of 2011 and the process of buying and selling BRIS shares from a positive legal perspective has been carried out safely and in accordance with Financial Services Authority (OJK) regulations. buying and selling BRIS shares is permitted based on the perspective of Islamic law. The perspective of Islamic law regulates that buying and selling must avoid several aspects, namely Bai' al-Hamisy and Bai' al-Maksyuf. The practice of buying and selling BRIS shares in the Sharia Shares Community begins with a contract process adapted to DSN-MUI No.8 of 2011, namely mudharabah, ijarah, musyarakah and syirkah contracts.                                  

This research aims to analyze the factors that influence customers' decisions in choosing Hasanah Card as the credit card of choice. Credit cards, as an important financial instrument, increasingly dominate consumer choices in managing their finances. In this context, Hasanah Card stands out as an attractive option in the credit card market, especially in the sharia-based financial environment. This research uses an analytical approach to identify the main factors that shape customer preferences for the Hasanah Card. These factors involve aspects such as sharia compliance, benefits and incentives, comfort of use, and brand image. Through surveys and data analysis, this research aims to provide in-depth insight into what factors most influence customers' decisions in choosing a Hasanah Card credit card. The results of this research are expected to provide an important contribution to the understanding of the Islamic banking industry, especially in the context of credit cards. In addition, these findings are expected to provide guidance for financial service providers to improve the quality of their products, accommodate customer needs, and strengthen Hasanah Card's position in an increasingly competitive market.

Community Service is one of the implementations of the Tri Dharma of Higher Education, aiming to apply students’ academic knowledge directly within society. This activity was carried out by fifth-semester students of the Islamic Banking Study Program through the organization of the Festival Ramadhan Ceria at SDN 1505 Pasir Julu. The program aimed to instill Islamic values, enhance basic understanding of Islamic finance, and foster religious and social character among elementary school students during the month of Ramadan. The implementation method employed an educational and participatory approach through various activities, including Islamic competitions, educational games, simple counseling on saving based on Islamic principles, and socio-religious activities. The results of the program indicated increased enthusiasm and active participation among students, improved understanding of Ramadan values, and early awareness of Islamic financial concepts. In addition to benefiting the students, this community service activity also served as a practical learning experience for university students in developing soft skills, leadership, teamwork, and social awareness. Therefore, the Festival Ramadhan Ceria proved to be an effective medium for strengthening the relationship between higher education institutions and the community, while also contributing positively to the character development of elementary school students.

In this research the author tries to highlight the factors that influence the thinking model of the Islamic education system. For the author, the central issues are management, finance, quality and education. Apart from that, in this research the author used qualitative research methods. These approaches are described in more detail and classified according to research conditions. Apart from that, the author also uses library research methods. The results of this research show that: Educational financial management influences the quality of general education. The results of this research show that fund management is a process of optimizing existing funding sources, allocating existing funds and allocating them in the form of facilities and infrastructure to support the learning process in order to create a learning process that is much more effective, efficient and better. To achieve quality learning, education costs must be managed optimally and optimally. Therefore, educational financial management steps must be considered and made a top priority.

The research delves into the historical background of Islam in Thailand, shedding light on the cultural and economic interactions between the Muslim minority and the broader Thai society. Special attention is given to the emergence and development of Islamic financial institutions within this context, investigating their growth, challenges, and contributions to the overall financial sector. Methodologically, a combination of qualitative and quantitative approaches is employed to gather data on the financial habits of the Thai Muslim population and the performance of Islamic financial institutions. Interviews, surveys, and financial data analysis are utilized to gain insights into the preferences, challenges, and opportunities faced by both the Muslim community and Islamic financial institutions. The findings of this study contribute to the understanding of how Islamic finance is adapted and practiced in a non-Muslim majority country. It also explores the potential impact of Islamic financial institutions on economic development and financial inclusion for the Thai Muslim population. The research not only adds to the academic discourse on Islamic finance but also provides practical insights for policymakers and financial institutions looking to enhance financial services for diverse communities within a pluralistic society.

As time goes by, economic activity in Indonesia certainly experiences development, as does the development of increasingly modern technology. This development also spread to Islamic banking. The beginning of the development of the Islamic finance industry was initiated by the inspiration of the Indonesian people, who are predominantly Muslim. The purpose of this study is to analyze how the perception of the Kajen community is related to sharia-based savings services in the Pekalongan Regency area. The method used in this study uses a qualitative approach with research subjects from the Kajen community based on a representative principle. Source of data in this study using primary data by using interviews with informants. The results of this study are that people already understand the existence of sharia savings services. Sharia savings institutions in the community include BSI, Bank Muamalat, BTM, BMT, BTN. According to public perception, sharia savings services have attractive performance and friendly service. However, there are several obstacles in terms of opening sharia savings, namely the many requirements that must be met.      

This research aims to analyze the influence of consumerist lifestyle, financial education, and financial management motivation on financial management behavior among accounting students at Majapahit Islamic University. Financial issues are a common problem faced by every individual, and this study examines whether the observed problems are influenced by the variables under investigation. The population of this study consists of accounting students from the 2019, 2020, 2021, and 2022 cohorts at Majapahit Islamic University, totaling 80 respondents. The research employs a quantitative approach using primary data collected through questionnaires distributed to the respondents. The data analysis technique used in this study is multiple linear regression.The results of this study indicate that consumerist lifestyle, financial education, and financial management motivation have a positive influence on the financial management behavior of students at Majapahit Islamic University. This suggests that higher consumerist lifestyle, better financial education received, and stronger motivation to manage finances result in better financial management behavior among the university students.  

The Ministry of Religion of the Republic of Indonesia assesses that there are still many Islamic boarding schools that have not yet been established, so they need to strive for their independence. For this reason, the Ministry of Religion has launched the “Pesantren Independence Road Map” (2021). This study examines the independence of Islamic boarding schools based on kopontren at the Sidogiri Islamic Boarding School (PPS). The aim is to prove the independence of PPS. The research method used is qualitative research which analyzes data in the form of statements and documentation. From the research conducted, it was found evidence that PPS is an independent Islamic boarding school both in terms of institutional, management, curriculum, manpower and funding aspects. This independence is achieved through the implementation of management principles such as planning, organizing, acting and controlling in managing the pesantren. In addition, the study also found that there are seven characteristics of PPS independence, namely having a business charity that is able to finance the financial needs of the pesantren, being able to manage its finances from the time the students register to completing their studies at the pesantren, being able to meet the basic needs of the students, being able to manage and determine the educational curriculum for the students. santri independently, not asking for help from other parties or the government to build pesantren. In addition, it has educational institutions, da'wah, social, economic and alumni networks that support the independence of pesantren.

The low understanding of knowledge about Islamic banking and financial literacy, the lack of socialization carried out by Islamic banks on Islamic economic principles and systems can affect the interest in saving for Islamic banking students at UIN Syahada Padangsidimpuan Islamic banking. The discussion in this study relates to Islamic banks, knowledge of Islamic banks, financial literacy and student interest in saving. The type of research used is quantitative research, while the information needed by researchers is obtained directly from the object of research by distributing questionnaires to respondents. The data collection technique used by the researcher is the method of questionnaire (questionnaire), documentation, and interviews. The analysis technique used is the validity and reliability test of the instrument then the data analysis used is the basic assumption test, classical assumption test and hypothesis testing using SPSS 22 computer program data processing. The results of the study simultaneously and partially state that there is an influence between the knowledge and literacy variables. finance on interest in saving Islamic banking students at UIN Syahada Padangsidimpuan by 24.1% and the remaining 75.9% is influenced by other variables.

This journal examines the application of Islamic business ethics in selling crispy bread with the aim of analyzing the concept and its implementation. This research involves a case study on the business of selling sharia-based crispy bread. The results of the study show that the application of the principles of Islamic business ethics, such as honesty, integrity, and a balance between material and spiritual aspects, has a positive impact on the operations and finances of the business. Discussion of the research findings includes evaluating the successful implementation of Islamic business ethics, the challenges faced, and the long-term benefits of this implementation. This research contributes to Muslim entrepreneurs by providing an in-depth understanding of the importance of applying Islamic business ethics in selling crispy bread, as well as practical recommendations for achieving sustainable business success in the context of sharia.    

The Islamic financial economy is progressing in both developing and developed countries. The financial industry and other forms of Islamic economic institutions are growing, ranging from the Middle East, Asian region, to Western countries such as the UK. Unfortunately, the development of Islamic economics at the practical level has not been matched by the development of Islamic economics on the theory side. Whereas as a science, Islamic economics also not only needs to be transformed into a practical-implementative level, but must also be accompanied by developments on the academic-theoretical side. The gap between the availability of limited resources and unlimited human needs is an important issue that must be addressed by the concept of Islamic-based economics, where the goal of the Islamic economic system is the benefit of each individual. The research method used in this research is the library research method. By reviewing previous journals that are relevant to studies related to economics and Islamic finance. The results of this study indicate that Islamic finance is a manifestation of economic behavior based on Islamic teachings which includes how to view economic problems, analyze, and propose alternative solutions to various economic problems. The emphasis of Islamic economics is on how Islam provides views and solutions to various economic problems faced by humanity in general.

In order to increase public interest in using products from Islamic banking, Islamic financial institutions are obliged to increase the variety and quality of services and the variety of products offered. Involving students is one approach to growing the market share of the Islamic finance sector in Indonesia. so that it can learn which qualities Islamic financial institutions want to take into account. The problem in this study is whether product knowledge has an impact on consumer intentions to use Islamic banks. In this study, Islamic banking study program students in Banten used quantitative descriptive data from primary and secondary data sources collected by sending questionnaires to 33 respondents and using regression analysis techniques. specifically for students enrolled in the Islamic Banking Study Program, University of Sultan Maulana Hasanuddin Batch 2020–2023. The findings of this study indicate that product knowledge (P) influences the intention to use Islamic banks as customers (M).

This article discusses the important role of Islamic economics in halal financial management and its impact on the modern business world. Through a qualitative approach, this study explores how the application of Islamic principles not only improves the welfare of the people but also creates an ethical and sustainable business environment. It is found that Islamic financial institutions play a central role in providing products and services that are in accordance with Islamic values, although challenges in terms of reputation and public trust remain obstacles. This study also highlights the importance of supportive promotion and effective education to improve public understanding of Islamic finance. With the increasing awareness and demand for halal financial products, this article shows the great potential of Islamic economics in contributing to global economic growth. The conclusion of this study emphasizes the need for collaboration between business actors, financial institutions, and the government to create a conducive ecosystem for economic development.

This research suggests a connection between sharia banking and sharia governance, particularly in Indonesia. The qualitative data for the study were gathered using the library approach. In this study, secondary data from books and articles on the subject that were gathered from reputable research publications were utilised. The necessity for sharia banking services as well as the expanding diversity of products are what are driving the growth of the sharia banking business. The findings of the literature research indicate that it is crucial for the Islamic banking sector to understand how popular it is becoming. All organisations under oppression need Islamic governance because it promotes and upholds Islamic banking and finance. The findings of this study suggest that Bank Indonesia laws control the application of Islamic sharia in Indonesia. Indonesian sharia banking must comply to sharia principles and is governed by a number of laws and regulations pertaining to the conduct of transactions. However, Indonesian Islamic banks have not yet been able to incorporate Islamic governance into their day-to-day activities.

Indonesia has enormous potential in developing Islamic finance because Indonesia has the largest number of Muslims in the world and high economic growth. The issuance of State Sharia Securities (sukuk) has become the main financing instrument. The presence of sukuk further strengthens the government's ability to finance the budget deficit. The government has many choices in determining the combination of its financing instruments. The government can keep debt costs to a minimum. This study aims to determine 1) the development of sukuk in Indonesia and 2) the role of sukuk in Indonesia's economic growth. This research uses qualitative methods and library research approach. Researchers use secondary data, namely data sourced from existing literature or references. The results of this study are 1) The Indonesian government has issued Retail Sukuk (SR), namely SR 001 - SR 013. The issuance of State Sukuk from year to year continues to increase, in accordance with developments and strategies applied in the APBN. 2) The role of State Sukuk has a very positive impact, such as financing project development, encouraging development of the Islamic financial market, creating branch marks in the Islamic financial market, developing alternative investment instruments, and utilizing public funds.