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Cooperatives play a crucial role as business entities in enhancing the people's economy in Indonesia. Rooted in the principles of kinship and mutual cooperation, cooperatives aim to improve the welfare of their members and society at large, rather than merely pursuing profit. This study employs a descriptive analysis method to examine the role of cooperatives as a pillar of the people's economy, focusing on their contributions to microeconomic empowerment, job creation, and strengthening community purchasing power. The findings indicate that cooperatives significantly contribute to local economic growth, particularly through synergy with MSMEs (Micro, Small, and Medium Enterprises), as well as by providing members with access to capital and training. However, challenges such as weak management, low financial literacy, and inadequate technological adaptation still hinder the optimization of cooperatives' roles. On the other hand, sharia cooperatives also emphasize social functions based on principles of justice and social responsibility. To enhance the contribution of cooperatives, institutional strengthening, professional management, and regulatory support from the government are required. Thus, cooperatives remain relevant as instruments for inclusive and sustainable economic development in Indonesia. 

This study aims to analyze the implementation of murabahah financing agreements and the role of internal control systems on the decision-making process for providing murabahah financing at Bank BJB Syariah KCP Lippo Cikarang. The study uses a descriptive qualitative approach with data collection techniques through observation, interviews, and documentation to relevant informants in the bank environment. The results of the study indicate that the implementation of murabahah agreements is carried out by considering sharia principles and internal bank provisions, while the internal control system plays an important role in ensuring compliance with regulations, preventing financing risks, and supporting healthy and sustainable financing decisions. These findings provide an illustration that the integration between the implementation of correct murabahah agreements and an effective internal control system can improve the quality of the financing process and reduce the risks faced by banks.

The development of the Islamic financial industry in Indonesia has shown significant growth, both in terms of institutions, products, and public participation. However, public doubts remain regarding the level of Sharia compliance of these financial products. Halal certification is a crucial instrument for ensuring that a financial product truly complies with Sharia principles. This study aims to analyze the urgency of halal certification for Islamic financial products and its implications for consumer trust from a Sharia economic law perspective. The research method used is qualitative with a normative-juridical approach through a literature review of laws and regulations, fatwas from the National Sharia Council (DSN-MUI), and previous research findings. The results indicate that halal certification for Islamic financial products plays a strategic role in increasing transparency, accountability, and public trust. However, there is regulatory overlap between Law Number 33 of 2014 concerning Halal Product Assurance and the provisions of the Financial Services Authority (OJK). Therefore, harmonization of regulations and strengthening oversight by the Sharia Supervisory Board are crucial steps in ensuring the integrity of the Islamic financial system.

The progress of digital technology provides possibilities for Micro, Small, and Medium Enterprises (MSMEs) to enhance their competitiveness and revenues, particularly in the Songkok craft industry located in Karanggeneng, Lamongan. Nevertheless, incorporating digital marketing that aligns with sharia principles presents its own set of challenges. This research seeks to identify the most effective strategy for applying sharia-compliant digital marketing to elevate the competitiveness and profits of MSMEs. The research employs a qualitative approach, using a case study methodology. Information was gathered using detailed interviews, active observation, and document analysis focused on MSMEs that have adopted sharia digital strategies. The analytical framework follows the Miles and Huberman approach, encompassing data reduction, data presentation, and conclusion formulation. Findings indicate that sharia-compliant digital marketing initiatives, such as transparent transactions, utilization of halal e-commerce platforms, and ethical communication aligned with Islamic values, play a significant role in enhancing competitiveness and revenue. Furthermore, digital technology enables MSMEs to access a broader market while preserving Islamic economic principles. Consequently, enhancing digital marketing based on sharia guidelines is a viable and sustainable approach for the growth of MSMEs. This study advises MSMEs to commence the integration of sharia digital marketing as a proactive measure for ethical and competitive business advancement.

This research aims to analyze the trade-off between unemployment and inflation, as well as government policies from an Islamic perspective. Inflation and unemployment issues remain primary challenges for governments in maintaining economic stability. Unlike conventional economic perspectives that accept the trade-off between these two variables, Islamic economics offers a more integrative and holistic approach. Using a literature review method, this study analyzes various literature related to the relationship between unemployment and inflation from both conventional and Islamic economic perspectives. Research findings reveal that in conventional economics, the Phillips Curve depicts a trade-off between unemployment and inflation in the short term, though its validity is questioned in the long term. In contrast, from an Islamic economic perspective, there is no dichotomy between reducing unemployment and controlling inflation, as both can be addressed simultaneously through a just economic system aligned with Sharia principles. Islamic economics offers solutions through strengthening the real sector, profit-sharing financial systems, and implementing zakat, infaq, and waqf instruments that can create employment without generating inflationary pressures. This research provides insights into government policies that align with Sharia values in addressing current macroeconomic challenges.

This study aims to analyze in depth the concept of employment agreements according to Islamic law and how these principles can be harmonized with the provisions of employment agreements in the Indonesian Manpower Law. This study aims to explore the basic values in Islamic law, such as justice, mutual consent, and prohibition of exploitation, which are the ethical basis for employment relations between employers and workers. On the other hand, this study also examines the provisions of positive law in force in Indonesia, especially after the enactment of the Job Creation Law, to see the extent to which these regulations reflect the principles of justice and protection of workers. In Islamic law, an employment agreement is viewed as an ijarah contract that has elements of agreement, willingness of both parties, and justice in the implementation of rights and obligations. Meanwhile, in Indonesian positive law, an employment agreement is the basis for employment relations between workers and employers which are regulated in writing or verbally with certain provisions. This study uses a library research method with a qualitative normative approach. The results of the study show that basically the principles of employment agreements in Islamic law do not conflict with the Manpower Law, and can even complement each other in terms of justice, protection of workers' rights, and voluntary agreements. Harmonization can be done through adjustments to sharia principles in the implementation of employment contracts and the need to strengthen moral and ethical aspects in employment relationships.

This research analyzes the role of Islamic business ethics in investment decisions in Islamic financial institutions. The background is the rapid growth of the Islamic economy, so that Islamic values such as the prohibition of riba/gharar/maisir, fairness, and transparency become important as a foundation for fair and sustainable investmentsfile. The objective is to explore how sharia principles influence the selection process and investment decisions. The method used is a comprehensive literature study, with literature analysis from books, journals, and academic publications related to Islamic economics. The main findings show that Islamic financial institutions incorporate Islamic ethical values into their investment practices: Islamic banks exercise supervision by the Sharia Supervisory Board and specific codes of conduct; Islamic mutual funds and capital markets apply screening through the Sharia Securities List and DSN-MUI fatwas; Islamic fintech refers to DSN fatwas and emphasizes transparency of fees as well as fairness of return distribution. In conclusion, the integration of Islamic ethical values in the investment process helps build a sustainable and fair Islamic investment system, by emphasizing honesty, fairness and social responsibility in every investment decision.

This research examines the governance of the National Amil Zakat Agency of Barito Kuala Regency as an effort to optimize transparent, professional, and sharia-compliant zakat management. Although South Kalimantan has the highest zakat potential in Kalimantan Island, its zakat realization is still far from the target, reflecting the challenges of public trust and the effectiveness of the institution's governance. This study aims to evaluate the governance of Barito Kuala National Amil Zakat Agency using three main indicators: Zakat Core Principles Index, Sharia Compliance Index of Zakat Management Organization, and Financial Ratio Analysis. Using a qualitative-descriptive approach, data was collected through observation and internal document analysis. The result shows that the implementation of Zakat Core Principle scores 0.44 (good enough category), while sharia compliance scores 0.72 (good category), and financial ratio shows high efficiency and effectiveness in collecting and distributing zakat. Important findings reveal that the suboptimal documentation of Operational Procedur Standard, absence of internal audit, and high operational burden become obstacles to ideal governance. Although the management of zakat in Barito Kuala National Amil Zakat Agency has been running according to regulations and sharia principles, improvement of institutional structure, documentation, efficiency of human resources, and transparency of financial statements are needed. This research provides a practical contribution as an internal evaluation of the institution and a scientific contribution in the development of accountable and sustainable zakat management in Indonesia.

Good corporate governance, or GCG, is essential to achieve the primary goal of all financial institutions, including Islamic banks, which is to improve financial performance. How the financial performance of banks is affected when Good Corporate Governance (GCG) is implemented in Islam is the main concern of this study. Islamic banks must balance adherence to moral standards with financial efficiency to uphold Shariah principles in practice. Therefore, it is imperative to understand the extent to which GCG involvement can significantly enhance the financial success of Islamic banks. This study uses quantitative methodology that includes multiple regression analysis and descriptive techniques. Secondary data can be found in the annual reports of Islamic banks for a certain period of time registered with the Financial Services Authority (OJK). Several GCG indicators have been analyzed, including the sharia supervisory board, audit committee, board of commissioners structure, and information transparency. When evaluating financial performance measures, Return on Equity (ROE) and Return on Assets (ROA) ratios are used. An investigation is conducted to confirm the causal relationship between these parameters.

This study examines the implementation of a hybrid learning model to enhance sharia marketing skills through social media and mobile applications among creative economy actors. By combining online and face-to-face learning, the model aims to provide flexibility and a comprehensive learning experience aligned with sharia principles such as honesty and business ethics. This literature review analyzes supporting factors, challenges, and the effectiveness of hybrid learning in the context of sharia-based digital marketing. Findings indicate that hybrid learning significantly improves digital competencies and sharia marketing skills, provided there is adequate technological infrastructure, adaptive curriculum, and sufficient mentoring. Social media and mobile applications are proven effective tools for market expansion, yet challenges in technology access and digital literacy must be addressed to fully optimize digital marketing potential in accordance with Islamic values. The study offers strategic recommendations for developing relevant and practical sharia marketing training in the digital era.

This study aims to analyze the effectiveness of murabahah financing distribution on net profit growth at Bank BJB Syariah Lippo Cikarang Branch Office (KCP). The method used in this study is a descriptive qualitative method with a case study approach. Data were obtained through in-depth interviews with internal bank parties, direct observation, and documentation of financial reports and murabahah financing data from previous years. The results of the study indicate that murabahah financing distribution at Bank BJB Syariah KCP Lippo Cikarang has a significant contribution to increasing net profit, especially because of the characteristics of murabahah which provides a fixed profit margin for the bank. However, financing effectiveness is also influenced by external factors such as macroeconomic conditions, people's purchasing power, and the bank's ability to analyze financing risks. Overall, the strategy of murabahah financing distribution that is right on target and good risk management has been proven to be able to increase bank profitability. This study is expected to be a reference for management in improving the quality of financing distribution and financial management based on sharia principles.

This study aims to examine the legal foundation and operational principles of Islamic banking in Indonesia. The background of this research stems from the necessity of a comprehensive understanding of the legitimacy and Sharia-based principles that underpin banking activities within the Islamic financial system. This research uses a literature review method by analyzing legal documents such as Law Number 21 of 2008 and fatwas issued by the National Sharia Council of MUI, along with other academic references. The findings indicate that Islamic banking in Indonesia is built upon a strong legal framework and clear Sharia principles, such as the prohibition of usury (riba), justice, and transparency. However, there are still challenges in the practical implementation of these principles, particularly in terms of public understanding and consistent interpretation. This research is expected to serve as an initial reference for strengthening legal literacy and Sharia principles in banking, and to support the development of a more inclusive Islamic financial system.

This study analyzes the comparison of peer-to-peer (P2P) lending contract law in the perspective of positive law and Islamic law. Major problems in the industry include the risk of default, contract defects, and a lack of transparency. The research method used is literature research. The results show that positive laws provide a framework for consumer protection, but are often inadequate in protecting vulnerable parties. On the other hand, Islamic law emphasizes justice and the prohibition of usury, although the practice in the field is not yet fully appropriate. The study recommends collaboration between regulators and service providers to create a fair and law-abiding system. This is expected to contribute to the development of P2P lending policies and practices that are more sustainable and in accordance with sharia principles.

Zakat is one of the pillars of Islam that must be carried out by Muslims who have met certain requirements. Zakat management is very important so that its distribution is right on target and can realize social justice. In the authentic hadith narrated by Imam Bukhari and Muslim, zakat is managed by amil who is responsible for distributing it to eight groups of recipients. In Indonesia, zakat management is also regulated in Law No. 23 of 2011. Articles 1, 2, and 5 of the law explain the definition of zakat, management principles, and authorized institutions. This article examines the conformity between the principles of zakat management in the hadith and the law, and how the two can support each other for effective zakat management in accordance with sharia.

This study examines the relationship between the hadith of H.R. Tirmidzi No. 1232 concerning the prohibition of selling goods that are not yet owned with Article 4 Paragraph (1) of Law No. 21/2008 concerning the intermediary function of Islamic banking in Indonesia. With a descriptive-analytical approach with a juridical-normative method, this study reveals significant gaps in the implementation of regulations. While the hadith provides theological guidelines that require actual ownership before the contract, the fragmented regulatory framework results in inconsistent interpretations by the Sharia Supervisory Board in various institutions. Analysis of SINTA indexed journals shows that many Islamic banking products still contain elements of gharar (uncertainty), especially in murabahah contracts with installment payments. This study identifies three main issues: the limited explicit regulation in the DSN-MUI fatwa regarding hybrid contracts, structural challenges in Indonesia's decentralized regulatory approach compared to Malaysia's centralized model, and the gap between theoretical discourse and practical implementation. To strengthen the synergy between religious principles and regulatory mandates, this study recommends harmonization of the regulatory framework, implementation of intensive training for supervisory boards on the contextual background of related hadiths, and development of integrated compliance audits to assess product consistency with hadith guidance and legal requirements.    

This study aims to analyze the competitive advantage strategy of Islamic Banks using the Porter's Five Forces approach, which is used to understand the competitive position of Islamic Banks in facing the dynamics of the financial industry that continues to grow. This study includes qualitative research methods with the approach of Field research and Library research, which are supported by interviews or observations as the main data collection techniques. The results of the study indicate that the Threat of New Entrants BSI Karang Kobar is aware of the threat of new entrants and faces internal challenges, especially in the marketing aspect which is still low. Customer strength is shown through the influence of satisfaction with products and employee behavior on loyalty, especially on flagship products such as KPR, gold installments, and micro financing. Supplier strength shows that there is a great opportunity for suppliers to establish partnerships with Islamic financial institutions. The threat of substitute products has not been found directly, but digital transformation to the Byond By BSI platform is a concern. In industrial competition, BSI Karang Kobar admits that it still faces challenges, such as limited economies of scale compared to conventional banks. Thus, the application of sharia principles in the formulation of business strategies allows Islamic banks to build customer loyalty and create sustainable competitive advantages. Porter's Five Forces approach has proven to be relevant and effective in helping Islamic banks formulate adaptive and valuable strategies in facing competition in the modern financial industry.

Pegadaian Syariah plays an important role in strengthening the people's economy through the provision of financial services in accordance with Sharia principles. This study aims to analyze the pricing and distribution strategies of Pegadaian Syariah products and their impact on the economic growth of the community. The research method uses a qualitative approach based on literature studies and secondary data analysis. The results of the study show that Pegadaian's Sharia pricing strategy pays attention to the principles of justice and affordability, while product distribution is carried out through service digitalization, expansion of branch office networks, and strategic partnerships. The use of these two strategies has proven effective in increasing the accessibility of Pegadaian Syariah services, accelerating financial inclusion, and encouraging the growth and empowerment of micro, small, and medium economies based on Sharia.  

This study employs a qualitative method with a literature review approach to examine how the optimization of marketing skills contributes to enhancing customer loyalty in Islamic banking. Based on a review of various national journals and theoretical references, it was found that personal selling skills, interpersonal communication, understanding of sharia-compliant products, and the ability to build long-term relationships with customers play a significant role in maintaining loyalty. Amidst the competition between digital and conventional banking, Islamic banks are required to prioritize service values aligned with sharia principles and optimize human resource capabilities in delivering educational, solution-oriented, and consistent approaches. Effective marketing skills not only create a positive customer experience but also enhance trust in Islamic financial institutions.

This study aims to analyze the legal protection of customers within the Islamic banking system in Indonesia, both normatively and practically. In Islamic economic principles, customer protection is not merely a legal obligation, but a moral and religious responsibility rooted in the values of maqāṣid al-sharī‘ah, particularly in ensuring justice (al-‘adl), trust (tsiqah), and protection of wealth (ḥifẓ al-māl). This research applies a qualitative-descriptive approach through literature review and normative juridical analysis of statutory regulations, DSN-MUI fatwas, and relevant Islamic legal doctrines. The findings indicate that although legal frameworks such as Law No. 21 of 2008, DSN-MUI fatwas, and OJK regulations offer a substantial basis for customer protection, implementation faces several challenges. These include information asymmetry between banks and customers, low Islamic financial literacy, insufficient monitoring of standard contracts, and limited access to Sharia-based dispute resolution mechanisms. Therefore, the study recommends reformulating contract structures, strengthening the role of the Sharia Supervisory Board (DPS), and enhancing public education regarding their rights as Islamic banking customers. Legal protection must be both formally legal and ethically grounded in Islamic justice.

Competition within Indonesia's banking landscape, specifically at BSI KCP Purwokerto Karangkobar, necessitates flexible strategies to stay relevant. This research assesses how the utilization of SERVO (Strategy, Environment, Resources, Value, Organization) analysis impacts the performance of the firm. Employing qualitative descriptive techniques, information was gathered through comprehensive interviews, observations, and document reviews. Results reveal that strategies focusing on digital advancement, community engagement, and operational effectiveness are vital components. Cooperation among departments, particularly between gold services and microfinance, fosters social bonds and enhances transparency. The teller and security teams uphold service excellence through the consistent application of Standard Operating Procedures. The SERVO framework has shown to be effective in merging digital advancements with sharia principles within company operations, which enhances customer satisfaction and boosts competitiveness. Proactive modifications in response to evolving customer demands are essential for enhancing institutional effectiveness.