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Examining how the Islamic monetary system uses money to build a stable and just economy is the aim of this study. Money is not to be hoarded or handled like a commodity, according to the Islamic monetary system, which views it as a public good and flow notion that functions as a medium of exchange and a unit of value. In Islam, money serves primarily as a medium of exchange, a standard of payment, and a gauge of value, speculation and wealth hoarding are prohibited. In contrast to traditional interest-based systems, the Islamic monetary system places a higher priority on mechanisms that allow for profit-and-loss sharing. Because hoarding money can slow down economic turnover and produce stagnation, it is forbidden in Islam. This is because money must continue to circulate in order to preserve economic viability.  QS Al-Hasyr: 7 and QS At-Taubah: 34–35, which explain hoarding of wealth and promote the use of money for the good of society, both highlight this principle of wealth sharing. Using data from pertinent literature and journals, this study employs a qualitative methodology based on literature reviews. Furthermore, This study is expected to provide the groundwork for a more effective sharia monetary policy that encourages equitable and balanced economic growth.

The branch of economics called Islamic monetary policy discusses the nature, function, and impact of monetary policy in a country. Not only the supply and demand of money, this Islamic monetary emphasizes the principles of justice and brotherhood that pursue equality and create equitable distribution of wealth and income. The purpose of this research is to see how the transmission of Islamic monetary policy on the performance of MSMEs in Serang City. To stay competitive or even win the competition, an organization can evaluate its strategy in the face of an ever-changing market. Micro, Small and Medium Enterprises (MSMEs) are very flexible and resilient to the economy, but they have several limitations such as financial capabilities and human resources. To gain a competitive advantage, MSMEs must be able to determine the right strategy. This research uses a descriptive approach by using observation techniques and interviews with MSME actors in Serang City. Based on the results of the study, it shows that the sharia monetary policy applied to the performance of MSMEs in Serang City is very helpful for business actors by providing access to safe capital, effective money management training, and information technology-based marketing training.

Indonesia, as a rule-of-law state (rechstaat), regulates the life of the nation and state based on law, as reflected in the provisions of civil law that govern relationships between individuals, including matters of inheritance. Inheritance distribution in Indonesia follows various legal systems, such as Islamic inheritance law, civil inheritance law, and customary law, each with different principles and rules. Inherited assets include a wide range of properties, such as movable and immovable assets, property rights, debts, money, businesses, and wills. In practice, the distribution of inheritance in Indonesia often involves an administrative process requiring a Certificate of Inheritance Rights (Surat Keterangan Hak Waris or SKHW) to verify who is entitled to inherit and the share each heir is entitled to receive. This study aims to educate the public, particularly customers of Bank Rakyat Indonesia, about inheritance law and the procedures involved. Additionally, the research highlights the crucial role of notaries as Land Deed Officials (Pejabat Pembuat Akta Tanah, PPAT) in the legalisation of inheritance ownership, particularly concerning the management of land certificates and other legal documents. Through community service conducted at the Bank Rakyat Indonesia (BRI) branch in Central Semarang, this study educates the public on inheritance rights and the role of notaries in ensuring the legal validity of inheritance distribution in accordance with applicable laws. Indonesia's plural inheritance law system provides flexibility in choosing the applicable legal system, whether Islamic law, civil law, or customary law. In the case of disputes, notaries play a role in resolving conflicts by creating peace agreements, cancellation deeds, or waivers of claim deeds. This study is expected to help the public better understand inheritance law and the role of notaries in ensuring that inheritance rights are distributed fairly and legally in accordance with the prevailing laws.

The advancement of payment technology has shifted the role of cash to non-cash systems. Generation Z plays a significant role in the adoption of this technology. One of the innovations introduced by Bank Indonesia is the Quick Response Code Indonesian Standard (QRIS), launched on August 17, 2019, to support digital payments through server-based e-money applications, e-wallets, or mobile banking. This study aims to analyze the factors influencing QRIS usage behavior among Generation Z based on the Unified Theory of Acceptance and Use of Technology (UTAUT). The study employs a quantitative method involving 275 respondents collected through an online questionnaire. Data are analyzed using SmartPLS. The results show that performance expectancy, facilitating conditions, and social influence have a positive influence on QRIS usage behavior. In contrast, effort expectancy does not have an influence. These findings are expected to support strategies for increasing QRIS adoption among Generation Z.

This research examines the concept of money from an Islamic economic perspective which is fundamentally different from conventional economic views. In Islam, money is not a commodity that can be traded for profit. Money is a medium of exchange that must be used to support real economic activities and contribute to social welfare. The basic principles of Islamic economics, such as the prohibition of usury, gharar, and maysir strictly regulate the use of money so that it cannot be used for speculative activities that have the potential to be detrimental. This research aims to analyze the role of money in Islamic economics, explore its application in the Islamic financial system, and assess its impact on wealth distribution and economic stability. The research results show that the concept of money in Islam emphasizes justice, ethics and balance in the economy, and can provide a more sustainable alternative compared to conventional financial systems which often pursue maximum profits without paying attention to social impacts. This research concludes that the application of money principles in Islamic economics can support the creation of a fairer and more inclusive financial system and contribute to the overall economic welfare of the people.

This article analyzes the role of Islamic banks in supporting monetary policy in Indonesia and its impact on national economic stability. Using library research methods, this research examines relevant literature regarding the development of the sharia banking sector and sharia-based monetary instruments. The research results show that Islamic banks make a significant contribution to stabilizing inflation, increasing financial access, and managing liquidity through instruments such as the Bank Indonesia Sharia Certificate (SBIS) and the sharia interbank money market. In addition, Islamic banks play a role in providing financing for micro, small and medium enterprises (MSMEs), which is important for inclusive economic growth. Nevertheless, challenges such as low sharia financial literacy and limited policy instruments need to be overcome to maximize the contribution of sharia banks to monetary policy. This research is expected to provide in-depth insight into the potential and challenges faced by Islamic banks in supporting the stability of the Indonesian economy.

Election or General Election is a facility of freedom or right owned by the people to elect members of the House of Representatives, DPRD, DPD, President and Vice President which is carried out directly, publicly, freely, secretly, honestly and fairly or commonly abbreviated as LUBER JURDIL based on Pancasila of the Constitution of the Republic of Indonesia in 1945. There are various ways to win the hearts of the public in the implementation of elections, including through democratic strategies such as using the vision, mission, program and work of the candidate pair to the community.  There are also other ways that are often done, even as if it is mandatory to be able to win elections, then for most voters it becomes a common and inevitable thing, namely money politics. The practice of using money in politics in Indonesia is not a new money. The reason is that from the reform period, the practice of money politics was rampant. Many candidate pairs use money as a way to bring victory in elections. This research is an empirical research supported by a qualitative descriptive approach that uses primary data and secondary data collected using interview and observation methods and data is processed using data examination methods (editing), data marking (coding), data validation, and data vertification and analyzed using judicial analysis techniques. The results of this study show that (1) The management of village funds by the Oelnaineno village government in meeting the community's needs for clean water has been carried out in accordance with procedures and gradually, this is marked by the creation of mini reservoirs and reservoirs in each hamlet. (2) Factors that affect the Oelnaineno village government in allocating village funds to fulfill the rights of the Oelnaineno village community to clean water, namely legal factors, law enforcement factors, facilities or facilities factors and community factors that are less active in taking part in helping the village government.

This study aims to determine the effect of fintech, the amount of money in circulation, interest rates and economic growth on the analysis of digital economic trends on monetary policy in Indonesia. There are four variables in this study, namely fintech, the amount of money in circulation, interest rates and economic growth. The analysis method used is Vector Autoregression with the Impluse Response Function test or abbreviated as IRF and the Forecast Error Variance Decomposition test commonly abbreviated as FEVD, stationarity test, cointegration test, lag structure stability test and optimal lag length test. There is a contribution from each variable to the variable itself and other variables, according to the results of the Vector Autoregression study with a lag basis of 2. In addition, the results of the Vector Autoregression analysis show that the past variable (t-1) contributes to the current variable both to the variable itself and to other variables. The results of the analysis show that there is a reciprocal relationship between the variables. By using response function analysis, we can see if there is a response from other variables to changes in one variable in the short, medium, or long term. In addition, we know that the stability of all variables is formed in the short, medium, and long term. According to the Variance Decomposition Analysis, factors such as Fintech and Money Supply contribute the most to the variable itself. However, other variables that have the greatest influence on the variable itself and are supported by other variables in the short, medium, and long term are economic growth and interest rates are most influenced by Fintech.

The money supply can affect other economic variables, such as output and prices, create stability in the economy and help achieve the ultimate goal of monetary policy, namely the stability of inflation and exchange rates.  The level of the exchange rate by the monetary authority must be kept stable because an unstable exchange rate, especially one that experiences a sharp depreciation, can have financial crisis implications. This research approach was associative/quantitative research. The data used in this study are secondary data taken and processed from Bank Indonesia (BI) and the Central Statistics Agency (CSA) from 2013-2023 (11 years). Based on the results of regression analysis shows that the variable money supply, exchange rates, and interest rates simultaneously affect the inflation variable. Based on the results of regression analysis shows that the variable money supply has a positive and significant effect on inflation. Based on the results of regression analysis, the exchange rate variable has a negative and significant effect on inflation. Based on the regression analysis, the interest rate variable has no statistical effect on inflation.

The aim of this research is to determine the role of financial literacy in improving the economic well-being of individuals and the community as a whole, with a specific emphasis on the residents of Jambur Padang Matinggi. The ability to understand and use various financial skills, such as budgeting, investing, and personal financial management, is referred to as financial literacy. This study emphasizes the relationship between better economic stability and higher financial literacy among community members. According to information gathered through surveys and interviews, individuals with greater financial knowledge are more capable of making sound financial decisions, which in turn leads to increased savings and investments in local businesses. Furthermore, the results indicate that financial literacy programs can have a significant impact on overall community growth by encouraging saving habits and borrowing money wisely. The study underscores the importance of integrating financial literacy programs into community development strategies, especially in rural areas where financial education resources are limited. Therefore, enhancing financial knowledge emerges as a crucial component in improving the prosperity of both individuals and communities.

This research aimed to improve students’ activities and learning outcomes of Mathematics in solving problems related to money on chapter whole numbers up to 100.000 by using project-based learning integrated with social emotional learning (SEL) for students at class 5 in SDN Pilangrejo 02. This research used classroom action research which carried out in 2 cycles. Each cycle was carried out in 4 stages, includes planning, action, observation, and reflection. This research used observation, tests and documentation as the instruments. The data analysis used qualitative and quantitative descriptive analysis. The result of this study showed the percentage of students’ activity in cycle I reached 58.84% and increased 87.23% in cycle II. The percentage of learning outcomes in pre-test (pre-cycle) reached 27.28% with average score of 60, it increased 72.23% with average score of 80 in post-test (cycle I), and increased to 90% with average score of 93 in post-test (cycle II). So, it concluded that the implementation of Project Based Learning integrated with Social Emotional Learning (SEL) can improve the students’ activities and learning outcomes of mathematics subjects at class 5 in SDN Pilangrejo 02.

This article discusses the principles of democracy in the 1945 Constitution of Indonesia as the foundation of the country's governance system. Democracy, emphasizing popular sovereignty, freedom, equality, and public participation, is enshrined in various articles of the Constitution, such as Article 1(2), Article 22E, and Article 28. This article analyzes how these principles are implemented in practice through mechanisms such as elections, public participation, and freedom of expression. However, the implementation of democracy in Indonesia faces various challenges, including money politics, identity politicization, social inequality, and weak law enforcement. Using a descriptive-analytical approach to secondary data, the article finds that while democracy has a solid constitutional foundation, these challenges hinder its quality. The article recommends regulatory strengthening, enhanced political education, and eradication of corruption practices to support a more inclusive and representative democracy.

The practice of vote-buying and money politics in elections is a common issue found in the democratic process, which contradicts the principles of Islamic law. Offering money or basic necessities to the public with the intention of influencing votes is considered bribery. Transactions between legislative candidates and voters in exchange for certain rewards raise serious ethical and legal concerns from an Islamic perspective. In Islamic law, transactions that involve uncertainty (gharar), manipulation, and dishonesty are not permissible because they go against the principles of justice, transparency, and integrity outlined in Sharia. Vote-buying is regarded as an act that corrupts trust (amanah), as candidates involved fail to fulfill the rights and trust granted by the voters. This practice also creates social injustice, as it can unfairly affect election results and harm the interests of the broader society. Therefore, from the perspective of Islamic law, vote-buying is not only considered haram but also violates the fundamental principles of muamalah, which demand fairness and honesty in every transaction.

This study aims to analyze the marketing strategy of PT Bank Perkreditan Rakyat (BPR) Swadaya Anak Nagari in attracting people's interest in saving money in Bandarejo Hamlet 1, West Pasaman Regency. A qualitative approach was used through field method with interviews, observation, and documentation. Research results showed that PT BPR Swadaya Anak Nagari implements four main marketing strategies: product strategy, price, and documentation. four main marketing strategies: product, price, promotion, and location strategies. Featured products such as KMB Savings (Kacio Mingguan Bajapuik) offers a savings collection service from the customer's home, making it easier for customers to save. service from the customer's home, providing convenience for people who find it difficult to reach bank locations. reach the bank's location. Direct promotion strategy through personal communication is the main key to success, building a close relationship between customers and the bank. bank. The strategic location of the bank office also contributes to the ease of access services. However, interest in saving, especially among teenagers and young adults, still low due to limited facilities such as ATM cards and mobile banking services. banking services. This finding highlights the need for the development of digital innovations to increase product appeal and expand market share. Research concluded that promotional strategies dominate in increasing the number of customers, while adapting to technology needs is a challenge to encourage wider to encourage wider interest in saving. This research provides important insights important insights for the management of marketing strategies in the local banking sector.

The Non-Cash Food Assistance Program (BPNT) is assistance provided by the government to Beneficiary Families (KPM) in the form of non-cash every month. Initially, the Non-Cash Food Assistance (BPNT) program was a replacement program for the Prosperous Rice Program (Rastra) which had several problems. Presidential Regulation of the Republic of Indonesia Number 63 of 2017. This BPNT uses an electronic account mechanism, so it can only be used to buy food from traders or e-warongs that have collaborated with Himbara banks, but now BPNT assistance has changed to being in the form of money that is withdrawn at Bank link. This study aims to identify and analyze the obstacles faced in the implementation of the Non-Cash Food Assistance Program (BPNT) in Barengkok Village, Leuwiliang District, Bogor Regency. This study uses a qualitative approach with in-depth interview and observation methods. Data were collected from various sources, including beneficiaries, program implementers, and other related parties. The analysis was carried out to identify and group the main obstacles that affect the implementation of BPNT. The study identified several major obstacles in the implementation of BPNT, which were grouped into three categories: (1) Technical obstacles, including problems with infrastructure such as internet networks and EDC machines; (2) Administrative obstacles, including inaccuracies in data verification and lack of socialization about BPNT mechanisms; and (3) Socio-Economic obstacles, such as difficult access to e-warongs and low financial literacy among beneficiaries. These obstacles indicate that the implementation of BPNT in Barengkok Village faces various challenges that affect the effectiveness of the program. To improve the results and impact of BPNT, improvements need to be made in technical, administrative, and socio-economic aspects. Recommendations include improving infrastructure, improving administrative coordination, and improving education for the community.

Reported of lost and found items at Unkartur was still done conventionally. Campus residents usually reported to security regarding the loss they experienced. However, the process of reporting and searching for lost items required a lot of time, energy, and money. Therefore, this study aimed to design a system for reporting lost and found items, especially in the Unkartur campus environment. The methods used in this study were Unified Modeling Language (UML) and Entity Relationship Diagram (ERD). This system was useful in managing lost and found item data to be more structured and efficient. The results of the design of this Lost & Found system could be a solution in the process of searching for lost items and returning found items in the Unkartur campus environment.

This study aims to determine the Impact of Divorce on Family Economic Welfare During the Covid 19 Pandemic In Tegal City. The sampling technique used was convenience or random sampling, namely by looking at respondents who were willing to be interviewed depending entirely on the convenience of the researcher (Sekaran, 2011). Data collection techniques using observation, interviews, and literature study. The method of data analysis was qualitative using descriptive analysis used to describe how the work profile of the widow, the number of widows' debts, the level of education of the children, and the widow's efforts to maintain her economy for the needs of the family's life by going through the stages of data collection, data reduction, data presentation, draw conclusions and verify. The impact of divorce on the family economy is very much felt especially during the COVID-19 pandemic, where they have to be responsible to their families to replace the husband's role as the head of the household, do the work a man does, not only work to earn a living but they have to educate and care for them. his children. The steps they take to meet the needs of their family after a divorce, there are many ways they do, for example, side work or any work to make money to meet their needs.

Online gambling requires risking money and valuables for an uncertain return.Currently, online gambling is increasingly favored by everyone, from the elderly to the youth, because online gambling can be easily accessed by anyone anytime and anywhere. Online gambling also has a negative impact on the lives of adolescents, including decreased academic achievement, emotional instability, poor relationships with others, and gambling disorders.The purpose of this study is to identify factors that influence online gambling behavior among young people. Based on the results of the quantitative study, five main categories were identified: factors originating from the individual, family, social environment, socioeconomic factors, and Internet characteristics. This quantitative research is expected to provide readers with comprehensive information about the factors that encourage adolescents to engage in and maintain online gambling, as well as help address the situation to prevent the negative impact of online gambling and this can be the basis for developing interventions to raise awareness. Young people, especially those who intend not to gamble anymore and choose to participate in activities that are beneficial to their future opportunities, should be aware of the importance of online gambling.

The development of financial technology, especially with the introduction of the digital rupiah, presents new challenges in the supervision and prevention of money laundering (TPPU) in Indonesia. Although existing regulations are sufficient to regulate conventional transactions, these regulations are not fully prepared to anticipate potential money laundering risks related to digital transactions. This study identifies shortcomings in existing TPPU policies, including limited supervisory infrastructure, lack of regulations for cross-border transactions, and challenges in verifying identity in digital transactions. More adaptive policy reforms and comprehensive regulatory updates are needed to address these challenges. Applying advanced technology, strengthening coordination between related institutions, and public education is key to creating a safe and trusted financial ecosystem in dealing with financial technology-based transactions, including Rupiah Digital.  

This research departs from the phenomenon of the mushrooming of coffee shops in Makassar, which significantly affects the pattern of activities and social interactions of urban communities. Coffee shops are now an inseparable part of urban life, creating new spaces that are full of symbolic meaning. This research aims to reveal how the transformation of urban people's lifestyles occurs through the existence of coffee shops as public spaces. The approach used in this study is a qualitative method with a descriptive type, which aims to provide an in-depth picture of this phenomenon through case studies on several coffee shops that represent these characteristics. The results of the study show that coffee shops not only function as a place to enjoy drinks, but also as a public space that reflects the social and cultural identity of the community. The existence of coffee shops creates a symbol of prestige for its visitors, which indirectly makes hanging out in coffee shops an indicator of certain social status. This is closely related to the hedonistic lifestyle, where individuals are willing to spend time and money just to hang out in order to strengthen their self-image in front of the public. In addition, this study also found that coffee shops have become an arena for lifestyle expression influenced by advertisements and trends, where visitors feel the need to adjust their appearance, including wearing clothes that are popular in the latest fashion trends, in order to maintain the existence and social credibility in their environment. Thus, coffee shops in Makassar are not only a place of recreation, but also a social phenomenon that reflects changes in the lifestyle of urban people, which are influenced by aspects of prestige, consumerism, and popular culture dynamics. This research contributes to understanding the role of public spaces such as coffee shops in shaping the lifestyle of modern urban communities.