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The implementation of the Murabahah agreement at Bank Syariah Indonesia (BSI) KCP Medan Sukaramai is the focus of this research. The aim of the research is to analyze the process of implementing the Murabahah contract, identify the obstacles faced, and initiate efforts to overcome these obstacles. The research method used is a qualitative descriptive method with data collection techniques through in-depth interviews. Respondents consisted of bank managers, bank employees and customers involved in transactions using Murabahah contracts. Data analysis was carried out taking into account relevant sharia principles. The research results show that the implementation of the Murabahah contract at BSI KCP Medan Sukaramai has been carried out carefully and structured in accordance with sharia principles. However, the obstacles faced include a lack of customer understanding of sharia principles as well as differences in understanding between customers and bank officers. Efforts made by banks to overcome these obstacles include increasing education for customers and regular training for bank officers. This research contributes to the understanding of Murabahah contract practices in the sharia banking sector, as well as offering recommendations for banks to increase the effectiveness and efficiency of implementing Murabahah contracts. In addition, it is hoped that this research can provide customers with a better understanding of sharia principles in financial transactions.

In general, many people choose to save and borrow money from financial institutions other than sharia banks, such as conventional banks and general cooperatives. In fact, conventional banks are known to adhere to an interest system which according to scholars is prohibited because interest is considered usury. Factors that can influence interest in saving at Islamic banks are knowledge, promotions and location. A person's knowledge about Islamic banks will influence customer interest, each bank tries to promote all the products and services it has, and the location of Islamic banks has easy assets. The aim of this research is to determine the influence of knowledge, promotion and location on the interest of the people of Pandan Jaya subdistrict, Tanjung Jabung Timur district to save in sharia banks. The type of research used in this research is quantitative descriptive research. The sample was selected using Accidental Sampling and the Slovin formula to obtain 98 respondents. The data analysis used is Multiple Linear Regression Analysis. The results of the research concluded that partially the variables knowledge, promotion and location had an influence on interest in saving at Sharia Banks in Pandan Jaya Village, East Tanjung Jabung Regency. Simultaneously, the variables of knowledge, promotion and location influence interest in saving at Sharia Banks in Pandan Jaya Village, East Tanjung Jabung Regency. Based on the coefficient of determination, it indicates that knowledge, promotion and location can influence interest in saving at Sharia Banks by 77.4%. It is hoped that people, especially Muslims, can save in sharia banks considering that sharia banks have used sharia principles in accordance with Islamic recommendations, sharia banks can increase people's interest in saving using Sharia Bank services by considering research variables, namely increasing knowledge, promotion and location, and further research can add other variables which are also thought to influence interest in saving at Sharia Banks.

This research was motivated by several cases resulting from the actions of naughty debtors which caused significant losses for Indonesia. There is a legal vacuum in Law Number 10 of 1998 concerning Banking, making it difficult for law enforcers to determine criminal acts committed by naughty debtors. The problem formulation taken is how banking law in Indonesia is in the perspective of legal objective theory, and what is the juridical review of bad debtors in the banking law. This research uses a normative legal research approach with a theory and legal principles approach. Several things need to be reviewed due to the impact caused by Law Number 10 of 1998 concerning Banking, namely that there is an article that can only ensnare bank employees if there is some form of criminal liability. Apart from that, there is no clause that regulates criminal sanctions for bank employees who collude with debtors. Bank Indonesia can impose administrative sanctions, but this authority is not regulated expressly and unequivocally in the Banking Law. So that Bank Indonesia has the potential to abuse its authority in determining actions.    

This research aims to assess financial performance in managing the 2023 APBDes in Anakalang Village, Katikutana District, Central Sumba Regency. This type of research uses a qualitative approach method, while the data sources used in this research are primary data and secondary data. Primary data was obtained through interviews with several village officials, namely the village head, village secretary, village treasurer and community leaders from the Anakalang tribe. Meanwhile, secondary data was obtained from Village Government data and documents and documentation carried out by researchers at the research location. The data collection technique used in this research is by conducting direct interviews with informants. The informants in this research consisted of the Village Head, Village Secretary, Village Treasurer and Community Figures in Anakalang Village. The results of this research show that financial performance in the management of the APBDes in Anakalang Village is based on the principles of accountability and transparency. Even though it is not in accordance with applicable policies by adjusting the situation or conditions of applicable legislation.

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.

The lack of regulation regarding the position of a memorandum of understanding often causes disputes between the parties who make it. The position of the memorandum of understanding is very important because it affects the legal consequences. The position can be studied through several aspects, namely based on classical and contemporary contract law theories, the Civil Code, civil law and common law legal systems, and UNIDROIT arrangements. The result of this research is that Indonesia tends to adhere to classical contract law theory by adhering to Article 1320 of the Civil Code. Furthermore, as a civil state (not fully), Indonesia regulates good faith in the nomenclature of legislation, namely Article 1338 (3) and 1965, but has not specifically regulated the good faith of the memorandum of understanding. Indonesia has also ratified UNIDROIT, so that the memorandum of understanding needs to be adjusted to the principles of good faith and fair dealing contained in Article 1.7 of UNIDROIT.    

Christian Religious Education Teachers Play a Vital Role in Building Moral and Spiritual Values of Students. This study reveals the importance of Christian Religious Education (CRE) teachers in instilling moral and spiritual values ​​in students at school. Using a qualitative approach, this research highlights how the teaching of religious principles by CRE teachers directly contributes to the formation of students' character. Beginning with the importance of character education in Indonesian education, especially through Christian Religious Education, the study continues by outlining interactive, contextual teaching strategies, and the role of teachers as positive examples. The research findings emphasize the effectiveness of these methods in instilling strong moral and spiritual values ​​in students, which are crucial for their character formation. This study highlights the significance of CRE teachers in character education and recommends further research to support effective teaching methods in Christian Religious Education within the school environment

The increasingly rapid development of technology makes it easier for humans to receive information and to carry out various jobs just by using sophisticated technology. The impact of these developments also affects the legal field. Indonesia has also begun to upgrade its judicial system through PERMA Number 7 of 2022 which regulates the Electronic Administration of Cases and Trials in Courts issued by the Supreme Court so that every Court begins to use an electronic court justice system with the aim of the supreme court's mandate to ensure that the principles of trials are simple, fast , and low cost can be achieved. Therefore, this writing was carried out by the author to find out about the implementation of e-court in realizing the principles of simple, fast and low-cost justice in trials at the District Court, and the author also observed the use of e-court which was also accessed by advocates in the author's place when participating in field work practices. This writing uses normative empirical research methods to determine the differences between Das Sollen and Das Sein and to compare the e-court system to the principles of civil justice in the form of simple, fast and low cost principles

The background of this thesis is based on the role of pretrial which functions as a social control mechanism, its implementation in Indonesia still often experiences violations. Therefore, it is necessary to carry out an in-depth analysis to identify the causes of these violations and find solutions to increase the effectiveness of pre-trials in protecting the rights of individuals who are disadvantaged in the application of criminal law in Indonesia. The problem formulation for this thesis is How pre-trial arrangements are made in positive law in Indonesia ? and What is the function and role of pretrial in criminal law enforcement in Indonesia? The research method for this thesis is Normative Juridical where the author examines phenomena related to Pre-Trial from the aspects of Legislation and Legal Principles. The results of this thesis research are that pretrial arrangements in the criminal justice system in Indonesia are regulated in Law No. 8 of 1981 concerning the Criminal Procedure Code. Pretrial, in accordance with Article 1 point (10) in conjunction with Article 77 of the Criminal Procedure Code, is the authority of the district court to examine and decide on several matters, including whether or not an arrest and detention is legal, the termination of an investigation or prosecution, as well as requests for compensation or rehabilitation. Pretrial has an important role in maintaining the balance of law enforcement powers and individual rights in enforcing criminal law. Its main function is to control law enforcement actions and procedures, ensuring justice and compliance with applicable laws. Pretrial is also closely related to the principle of Habeas Corpus which guarantees that a person must not be detained without a valid reason and must be immediately brought to justice. Through pretrial proceedings, individuals can protect themselves from arbitrary actions by law enforcement and seek redress if their rights are violated. Pretrial and the principle of Habeas Corpus together form an important part of the criminal law system in Indonesia which focuses on justice and the protection of human rights.    

The presence of the E Court system in online trials creates legal loopholes regarding violations of the defendant's rights in trials regarding Due Process Law. The court cannot ignore this fact. Therefore, it is necessary to carry out an in-depth study and analysis to ensure that the implementation of electronic trials does not violate important principles needed to maintain justice and the human rights of defendants during the trial process. Formulation of the Problem of this Thesis How to regulate the defendant's consent in the implementation of electronic criminal trials in Indonesia? and What is the electronic criminal trial mechanism that guarantees due process? The research method used by the author is Normative Juridical to study E-Court from the perspective of applicable laws and regulations and legal principles. The results of the research are that the regulation of the defendant's consent in carrying out criminal justice electronically in Indonesia based on Perma 4 of 2020 is an effort to protect the defendant's rights in the criminal justice process. The defendant's consent is necessary to ensure that the defendant understands his or her rights and is not forced to participate in the trial electronically. Perma Number 4 of 2020 regulates several ways to carry out electronic trials, such as defendants attending the trial from the place of detention with or without being accompanied by a Legal Advisor, or defendants who are not detained can attend the trial in the Court's court room or at the Prosecutor's office accompanied or without being accompanied by an Advisor. Law. This defendant consent mechanism must also pay attention to complete and timely notification to the defendant, the defendant's access to necessary technology, the defendant's right to be represented by a lawyer, preservation of trial recordings, and special consideration of personal rights and data security.    

The pastor is a leader for the congregation who thinks about the spirituality of the congregation and also the physical needs of the congregation he serves. Therefore, the pastor's service to the congregation is a holistic service. If the congregation served by a pastor has problems in terms of spirituality or life needs, the pastor must be willing to carry out visits and counseling. Considering that the responsibility of pastoral care is quite large, being a pastor must be a calling in life. However, it is very ironic that there are still pastors today who do not serve the congregation totally. This article is a qualitative method by examining God's servants or Shepherds as leaders. The principles of shepherding are based on 1 Peter 5:1-4, namely serving without seeking one's own interests, serving voluntarily, serving with enthusiasm and providing an example to the sheep or congregation.

It is very important to instill state defense awareness to all citizens, especially the millennial generation as they are the successors and inheritors of the continuity of the life of the nation and state. This will help defend the country from internal and external threats, both military and non-military. Education is crucial in state defense as it helps the younger generation understand the history, principles and commitment to protect the country's sovereignty. Through education, students can understand the importance of maintaining national unity and integrity and become development actors that benefit the community and the country. The research that will be used in this paper is normative research with a perspective approach through ideology, laws, and phenomena. The purpose of this paper is to determine the extent to which formal education in Indonesia contributes to shaping state defense awareness among the younger generation, investigate the factors that influence understanding and awareness of state defense, analyze the implementation of the national education curriculum, provide recommendations for improving the education system. The benefit of this paper is to provide in-depth insight into the role of education in shaping a strong understanding of the concept of state defense among the younger generation.

This article aims to explore the urgency of applying the principle of proportionality in online loan agreements. The research results are expected to be utilized by all parties involved, especially prospective recipients of online loans, in crafting a standardized online loan agreement. The research methodology employs normative legal research, utilizing both primary and secondary legal materials through a literature review data collection technique. The approaches used in this research are the legislative approach (statute approach) and the conceptual approach. The data analysis technique employed is deductive analysis using the syllogism method. The application of the proportionality principle is examined through a guiding theory to identify the proportionality principles in contracts, including the principles of equality of rights, freedom, proportional distribution, and an elegant resolution with a win-win solution. Applying the proportionality principle in online loan electronic contracts is expected to minimize the risk of disputes during the execution of online loan agreements.

Sharia people's credit bank (BPRS) is an institution that carries out business activities based on sharia principles and in its activities does not provide services in payment traffic. The level of interest in PT. Many BPRS Al Washliyah choose murabahah financing. This high level of murabahah financing activity can cause high risks faced by the entity providing the financing. Risk management is an effort that must be made to minimize the possibility of loss risks that may occur as a result of problematic murabahah financing transactions. The conclusion from these results is that murabahah financing risk management faced by PT. BPRS AL-Washliyah Medan, namely by persuasive means, if this method cannot be a solution to the existing problems, then PT. BPRS Al-Washliyah Medan resolved this by means of collateral, namely the confiscation/sale of collateral

This research aims to conduct a comparative study of the concept of servant leadership put forward by Stephen R. Covey and its application to the Sister Head of Sang Timur Catholic Kindergarten in Malang City. Servant leadership is a leadership approach that emphasizes service to others as the main foundation of leadership. Stephen R. Covey explains this concept through his famous books, especially those related to the principles of effective and ethical leadership. This research uses a qualitative method with a case study approach. Data was obtained through in-depth interviews, observations, and analysis of articles related to the leadership activities of the Head Sister of the Sang Timur Catholic Kindergarten. Data analysis was carried out using a comparative study of Stephen R. Covey's servant leadership with the Head Sister's leadership style. The research results show that the Head Sister of Sang Timur Catholic Kindergarten consistently applies the concept of servant leadership. They highlight aspects of service, characteristics, potential development, and attention to the needs of team members as the main foundations of their leadership. Even though there may be contextual differences in its application, the concept of servant leadership remains the basis for Head Sisters in carrying out leadership responsibilities in the educational environment. This research provides further understanding regarding the application of servant leadership in the context of non-profit organizations, especially in early childhood education. This research can form the basis of practical implications for the development of more effective leadership models in educational institutions and similar organizations.

ork ethic is one of the most important and influential components of enterprise or business. Competiton in the business currently very rapidtherefore businesses are required to improve the quality of human resources effectively and effeciently. According to Islam, work ethic is a Muslim’s belief that work is a form of worship that obtains the approval of Allah SWT. This research aims to describe the analysis of the Islamic work ethic in the Olis Production House MSMEs in Jambi City. The data collection technique in the research used the interview method from 9 respondents, consisting  of the owner and all employees at the Olis Production House MSMe Jambi City.Data collection techniques use qualitative methods for primary and secondary data. The results of this research can be concluded that the Islamic work ethic at the Olis Production House MSME employees has implemented several work ethics in accordance with Islamic principles, namely by adopting an attitude of responsibility,working sincerely honestly, and having pure morals. However, there is also one Islamic work ethic that has been implemented by employees at the Olis Production House MSME, namely discipline and don’t value time.

Legal protection and human rights for workers are basic rights guaranteed by the constitution. The impact of the development of information technology through online buying and selling has created new jobs such as expedited couriers. However, the lack of protection, especially regarding Occupational Safety and Health (OHS), creates inequality of rights for expedition courier workers. This research aims to explore the legal protection arrangements, especially in the aspect of OHS, for expedition courier workers, with reference to the principles of Pancasila justice. The research method uses a statutory and conceptual approach, with the collection of legal materials through literature studies with legal material analysis techniques used in this legal research is deduction reasoning. The principles of Pancasila justice require regulation in accordance with the values of Pancasila. The lack of regulations covering OHS for couriers results in inequality of rights and frequent work accidents. Therefore, revision of the Occupational Safety regulation needs to be carried out by prioritizing the values of Pancasila justice to ensure the safety of workers, including expedition couriers. The government needs to review the Occupational Safety Law to cover new types of work, such as gojek and expedition services, in accordance with the justice values of Pancasila as the Ideology of the Indonesian nation

This research examines the effectiveness of regional formation based on Law Number 8 of 2023 in order to support regional autonomy in Indonesia. The phenomenon of large-scale regional formation is quite worrying considering that many proposals are colored by the self-interest of the local elites who support them. Regional formation has only become a commodity of "political business" by local elites. "Hijacking" or manipulation of the formation of this area ultimately gave rise to many conflicts and problems at the local level, both in the expansion area itself and in its parent area. The method used in this study is a library research method or approach. The results and discussion of the research are in accordance with the mandate of the 1945 Constitution, that Regional Governments have the authority to regulate and manage government affairs themselves according to the principles of autonomy and assistance duties. The granting of broad autonomy to regions is aimed at accelerating the realization of community welfare through improving services, empowerment and community participation.

This research is about the implementation of P5 (Strengthening the Profile of Pancasila Student Project) at MI Ikhlasiyah Palembang. This study is a field research with a qualitative descriptive approach. Data collection methods include interviews, observations, and documentation. Data analysis techniques involve data collection, data presentation, verification, and conclusion drawing. Based on the results and discussions, the implementation of P5 at MI Ikhlasiyah Palembang has been carried out well through various learning activities with the aim of strengthening the Pancasila student profile and increasing knowledge and application of Pancasila ideals for students. In its implementation, students will participate in social activities related to the Pancasila ideals and receive comprehensive understanding of the Pancasila principles. This implementation can also improve the attitudes and behaviors of children.

This One way for a company to survive in the midst of increasingly fierce competition is to provide satisfactory service to consumers. Consumers who feel their needs are being met will not move to another place. Therefore, the company must have employees who are ready to provide excellent service or what is commonly referred to as excellent service to consumers. In providing excellent service as an effort to achieve customer satisfaction and loyalty, the company that provides services can be guided by the service excellence variables, namely: Ability, Attitude, Appearance, Attention. ), Action (Action), Responsibility (Accounttability). The application of the principles of excellent service aims to improve service to customers or consumers so that they are more optimal and able to achieve company goals.