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This study aims to examine the role of Islamic education in shaping the characters of students in the digital era. The study involves a literature review by exploring research findings and relevant articles, and identifying implications for the field of education. The results indicate that Islamic education plays a significant role in shaping the characters of students in the digital era. In the context of the digital era, Islamic education not only teaches religious values but also involves the learning of ethics and morality for students. This study reveals that Islamic education can teach students about moral values, develop digital ethics, and foster spiritual awareness in the use of technology. The implications of this study include curriculum development that encompasses ethical and moral aspects of technology use, teacher training in teaching digital ethics and responsible technology use, and partnerships with parents in shaping students' characters in the digital era. This research is important to be known and understood by educational institutions and teachers so they can develop effective strategies in shaping responsible, ethical, and integrity-based characters of students in this digital era. In a connected and digitalized era, it is crucial to integrate Islamic moral and ethical values into education to enable students to use technology wisely and responsibly.

The learning strategies used by moral aqidah teachers in developing character include efforts and training as well as habits. be an example for students by displaying good behavior, good speech, neat dressing, honesty, respect and firmness in all things. Moral belief teachers also play an active role in encouraging students to do good deeds. Moral aqidah teachers also provide direction, guidance and advice to students to always do good and have commendable morals. The methods used by moral aqidah teachers in developing students' character are the method of example or modeling, exemplifying, giving advice, habituation, and punishment. So in this article using qualitative descriptive research, this article will explain the learning strategies of teachers of moral beliefs in developing student character at MTsS Yati Kamang Mudik.

From the explanation and research process carried out by the researcher, it is known that the Integrated Curriculum Method for class VII students at MTs Jam'iyah Mahmudiyah Tanjung Pura is very well implemented because it is able to improve learning outcomes. students who can be seen in the implementation of the second cycle. Students' understanding of learning is better with the implementation of the Integrated Curriculum method compared to the usual or conventional learning methods that have been applied so far. It can be concluded that the Integrated Curriculum method is effective. Efforts to improve student learning outcomes in learning moral aqidah in class VII MTs Jam'iyah Mahmudiyah Tanjung Pura were successfully carried out by implementing the Integrated Curriculum method in accordance with the plans that had been made. Efforts are made to actively involve students in every learning activity and explore students' potential so that students' creativity emerges. The increase in student learning outcomes by applying the Integrated Curriculum method is known through the student activity sheets that have been created and show good improvement through the application of the Integrated Curriculum method. Increasing student creativity in learning also influences student learning outcomes which also increase. In learning, students appear more active and enthusiastic in following the lesson material provided by the teacher in the learning process in class.   

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.                                  

The focus of this research is, 1) how business management at CV Antique Production to improve consumer satisfaction in the Islamic Perspective of Islam. 2) What are the constraints on printing business management at CV Antique Production in improving consumer satisfaction in the Islamic Emergency Perspective. 3) What are the solutions of the constraints on printing business management on CV antique production in improving consumer satisfaction in the Islamic Emergency Perspective. This research uses descriptive approach with the type of qualitative research. The data source obtained is primary and secondary data. Data collection techniques with observation, interview and documentation. Data analysis techniques use data reduction, data presentation, and concludes. This research is the management of printing business done by CV. Antique Production To improve consumer satisfaction in the Islamic economic perspective is to implement management functions or management in Islam well. The management function consists of: the implementation (planning), organizing), implementation (actuating), and control (controlling). Constraint business management facing by CV. Antique Production To improve consumer satisfaction include internal constraints that is lack of employees when many demand and delay of product raw material supplies, and external constraints are of unclear consumers with product details of the product and competitor or competitors. Solutions to overcome constraints on printing business management by CV. Antique Production To improve consumer satisfaction includes the solution of internal constraints that adds employees with freelance systems, adding more than one supplyer and check periodically inventory of product raw materials while solutions for external constraints are providing conservation sessions of the booking and consuming businesses by opening product gallery and developing its employee skills.

This article explores the critical role of communication and collaboration technologies, especially Microsoft Lync (now known as Microsoft Teams), in the context of a constantly changing business environment.  This study aims to analyze how Microsoft Lync influences the transformation of business communication and its impact on today’s digital work environment.  The introduction of Microsoft Lync, its evolution to Microsoft Teams, and its critical role in supporting modern business communications are discussed in detail.  This study uses qualitative research methods by analyzing various sources such as scientific journals, books, and indexed trusted websites.  This approach helps in understanding the transformation of communication and collaboration with Microsoft Lync as an intermediary tool.  This article covers the benefits of Microsoft Lync, best practices for using it, and negative impacts to be aware of.  The features of Microsoft Lync, how to use them, and their key role in enhancing communication and collaboration in business environments are emphasized.  This article also provides insight into the history of Microsoft Lync’s evolution to Microsoft Teams, and the challenges that may arise in using it.  By highlighting its important role, this research conveys a better understanding of how technologies such as Microsoft Lync have changed the way communication and collaboration work in the business world.

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.

The factors that influence students' motivation to participate in extracurricular activities are the focus of this study. These factors may originate within the student (internal factors) or from without (external factors). Students' needs, hopes, and interests are all internal factors that can influence their interest in and participation in extracurricular activities. However, external factors include things like family, the natural world, and social equilibrium.This study aims to shed light on the most influential factors influencing grade eight students' decision to participate in extracurricular activities. This study combines descriptive methods with quantitative estimation. Data collection software that makes use of angkets. This study's sample population consists of the sixty-five students that participated in the pre-exam activities at Class VIII of MTsN 2 in Pasaman Barat. This study used a non-probabilistic sampling technique called "total sampling," in which the entire population was sampled because the study's population was less than 100. This study used SPSS to conduct a thorough validity test, replicability test, normality test, homogeneity test, and factor analysis on the collected data. The research results show that the factors that influence students' motivation to participate in pramuka activities at the eighth grade level at MTsN 2 Pasaman Barat are as follows: the first factor is students' expectations, with an eigen value of 4.532, or 20.601%; the second factor is students' family environments, with an eigen value of 2,453, or 11.150%; and the third factor is students' school environments, with an eigen value of 4.532. That's why hope is the most important of those other twelve factors.    

This paper discusses one of the theological streams within Islam, namely Maturidiyyah, which is divided into Maturidiyyah Samarkand and Maturidiyyah Bukhara. As a reaction to Mu'tazilah, Maturidiyyah, like Asy'ariyyah, is a sect of Ahl al-Sunnah wa al-Jama'ah. This study delineates how the theological thought of al-Maturidi emerged, the background factors, developments after the death of al-Maturidi, the Maturidiyyah thought methodology, and the portrayal of modern Maturidiyyah thought. A qualitative descriptive method is employed with a literature review approach to the Maturidiyyah theological and kalam thought. Rooted in Abu Mansur al-Maturidi, this stream uses rational and verbal evidence to counter Mu'tazilah, Jahmiyyah, and other streams. The evolution of Maturidiyyah is divided into stages of establishment, formation, organization and the foundation of beliefs, as well as expansion and dissemination. Maturidiyyah thought encompasses the obligation to know God, acknowledgment of good and evil, the wisdom and purpose of God's actions, the attributes of Allah, seeing Allah on Judgment Day, and views on major sinners. Modern Maturidiyyah thought emphasizes individual freedom in interpreting and practicing Islamic teachings, active engagement in interfaith dialogue, and maintaining a balance between reason and revelation to uphold the relevance of Islam in the modern era.

The study intends evaluate impact PT BankRakyat Indonesia (PERSERO) TBK's Bengkulu City Branch Office's QuickResponse Code Indonesian Standard (QRIS) Non-Cash PaymentSystem on financial inclusion (Y). by employing quantitative techniques. The primary data utilized this study were obtained by handing out questionnaires to Bank Rakyat Indonesia (PERSERO) Tbk clients at the Bengkulu City Branch Office. Test multiple linear regression analysis from the constant value coefficients table 36.448 it can be explained a positive correlation between Effectiveness (X1) and the coefficient, indicating Effectiveness on Financial Inclusion. The effectiveness variable is 0.811, meaning that if the other independent variables are constant, then there is an increase of 1 unit, so financial inclusion will increase by 0.811, the coefficient is positive. Test multiple linear regression analysis from the coefficients table with a constant value of 36.448, may be said that a positive coefficient indicates positive association between efficiency and financial inclusion the efficiency (X2) to financial inclusion has change value zero. The efficiency variable's value for  regression coefficient 0.542, meaning that if the other independent variables remain the same, Financial Inclusion will increase by 1 unit, so Financial Inclusion will increase. The findings of the analysis's multiple correlation coefficient test X1, X2 affect Financial Inclusion (Y) of 0.936, which means that it has a very strong correlation coefficient relationship because value is in range between 0.80-1,000.

Abstract Startups are designed to find the right business model to make the business survive. Startups have the possibility to succeed or fail. This is influenced by capabilities in digital transformation and business development in the technology sector. Indonesia has a low number and quality of digital talent and low entrepreneurship (3.1%). Pontianak has the least number of digital startups (0.74%). Every part in the digital ecosystem is very influential on the sustainability of digital startups. The digital ecosystem in Pontianak is the government, accelerators, universities, incubators, students/talent, communities, and digital startups. This research aims to help digital ecosystems overcome difficulties in collaborating for the development of digital startups in Pontianak. The research method is direct surveys and interviews with 6 local digital startups and startup stakeholders in Pontianak. Stakeholder analysis to determine respondents. The results of in-depth interviews were analyzed using design thinking and focus group discussion (FGD) methods. The results of the research are the main factor for overcoming difficulties in collaborative digital startup development in Pontianak: 1) digital ecosystem activation; and 2) digital-sociopreneurship development and competency improvement. The recommended startup development strategy aims to realize these two things.

The purpose of this study is to test whether Gross Domestic Product (GDP), interest rates, coupons, maturity and inflation affect the Yield To Maturity (YTM) of Government Bonds. The data used is the type of government bonds with Fixed Rate (FR) coupons denominated in Rupiah 2018 – 2022. The method used is a purposive sampling method, so that a sample of 23 FR series bonds is obtained. The type of research used is quantitative research, which is to prove the relationship between independent and dependent variables. The results of this study show that partially GDP does not have a positive effect on YTM, interest rates do not have a positive effect on YTM, coupons have a positive effect on YTM, maturity does not have a positive effect on YTM and inflation does not have a negative effect on YTM.

This paper aims to provide an explanation of the contribution of Islamic banking in the framework of national economic development, considering that the Islamic industry has developed rapidly in the last few decades. The method used is a systematic literature review (SLR) by documenting several articles that have similar research. The findings show that economic development aims to improve the welfare of its people. The success of a country's development can be seen from a high and sustainable level of economic growth. This growth can be seen through the increase in the production of industrial goods, the number of schools, the increase in infrastructure, and the increase in the service sector. Economic development will have an impact on changes in the economic structure towards a better stage, so that socio-economic aspects in society can be seen in the form of reduced poverty, unemployment, and increased people's purchasing power. Unstable economic growth has resulted in Indonesia still being in the middle income zone, therefore the participation of all elements of the government, society and the banking sector is no exception. Banking has an important role in advancing the national economy, besides functioning as a collector and distributor of public funds, banking also aims to support the implementation of national development in the framework of increasing equity and economic stability towards increasing the welfare of the community at large. Especially in the Islamic economy, Islamic banking seeks to accelerate economic growth by carrying out financial, commercial and investment activities in accordance with Islamic teachings. Islamic banks are not only banks that eliminate the interest system in their operations but also carry out social welfare oriented roles. The Islamic banking industry has a strategic role in the development of the people's economy, contributing to transforming the economy into productive, value-added and inclusive economic activities.

This study aims to conduct a literature review of the results of research on the marketing strategy of Islamic banking in Indonesia. The method used in this study is a Systematic Literature Review (SLR) with a qualitative-descriptive approach, to published journal articles from 2020-2023 obtained from the Google Scholar database on Islamic banking marketing strategies. The results of the discussion of the Systematic Literature Review show that marketing strategy has a very important role in the increasingly fierce competition in Islamic banking by implementing various strategies that can be used for the development of Islamic banking products in Indonesia.

The purpose of this study is to determine the application of company resource management and supply chain management at the Grand Pet Shop. In conducting an analysis of business partners, researchers used qualitative methods in the form of direct interview techniques with the owner of the Grand Pet Shop. The results found through analysis, Grand Pet Shop has implemented a supply chain process including planning, processing, storage, shipping and returns of goods then partners have also involved 4 functional areas, namely marketing and sales, supply chain management (SCM), accounting and finance, and human resources in running their business as well as analyzing the use of Enterprise Resource Planning (ERP) is still not recommended at this time because there has not been found a suitability for Grand Pet Shop use due to the high cost and the Enterprise Resource Planning system is too complicated for Grand Pet Shops which are still SMEs, but do not rule out the possibility in the future.

This study aims to conduct a literature review of the results of research on the Implementation of Mudharabah Agreements in the Economy in Indonesia. This study uses a Systematic Literature Review (SLR) with a qualitative approach. The results of this study indicate that based on the results of the Systematic Literature Review, it shows that the mudharabah contract is one of the pillars of the sharia economy that represents Islamic principles to realize social justice through a profit-sharing system. As well as the implementation of the mudharabah contract in the Indonesian economy is in accordance with maqasyid sharia which is able to encourage the welfare of the people. This research method uses the Systematic Literature Review (SLR) method using a qualitative descriptive approach.

The purpose of this study was to determine the effect of locus of control and perceptions of organizational support on employee performance with employee engagement and proactive work behavior as intervention variables in DP3AP2KB Central Java Province. This study uses a quantitative descriptive which describes the condition of the facts with the data collected from a questionnaire based on direct observation of the Central Java Province DP3AP2KB. The population in the study included all DP3AP2KB Central Java Province workers, totaling 101 workers and the analysis technique used was multiple linear regression analysis, using SPSS Version 24, and it was found that locus of control had the strongest influence on improving employee performance. Perceived organizational support will also improve employee performance through proactive behavior of employees, because perceived organizational support is found to be unable to directly influence employee performance.

This research was conducted to determine the influence of Teacher Competency (X1), Learning Facilities (X2) on the Influence of Learning Achievement (Y). This research used quantitative methods with a sample of 100 respondents. The data analysis technique uses SmartPLS (Partial Least Square) software version 4.0.9.2. The results of this research show that: 1) Teacher competency has a positive and significant effect on learning achievement. 2) Learning facilities have a positive and significant effect on learning achievement. 3) Teacher competency and learning facilities have a positive and significant effect on learning achievement.

A shift in the role of living by the head of the family or a husband is replaced by a wife who works as a Women's Working Power (TKW) abroad. It's already happening because of the demands of the family economy. That decision affects the relationship and distance communication of the couple. Although the progress of communication technology is so rapid as the media is the point of the problem is to manage communication and relationships to stay harmonious. The research study was conducted out at the Bulugunung village, district of Plaosan, Magetan. The research methodology used is field research applying qualitative research methods. Qualitative methods produce descriptive data with data collection techniques such as observations and interviews. The results that follow are the study’s conclusion. (1) The condition of couples with long-distance marriages in communicating, (2) the way the couples take advantage of the supporting and hindering factors of distance communication, and (3) the distance interpersonal communication patterns between spouses inining distance marital relationships. Collaboration and mutual trust are the key to the harmony of relationships and communication of distant married couples.

Scholarships are a form of assistance in the form of educational expenses provided by the government or foundations to students or students who are categorized as from underprivileged families. However, in datermining scholarship recipients, there are still many scholarship recipients who come from wealthy families, while those from less fortunate families do not receive this assistance. This may be due to calculations and data processing that still use manual methods, causing scholarship recipients to not be on target. The purpose of this research is to simplify and minimize calculation errors in determining scholarship recipients for the Smart Indonesia Program (PIP) at SMK Karya Medika. Therefore, for calculating and processing PIP scholarship recipients data, data mining techniques can use the calssification method using the K-NN algprithm. K-Nearest Neighbor is a data classification method that will be used for data objects based on learning data that is closer to the object. In this study using the Confusion Matrix test so as to obtain an accuracy value of 80.00%.