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Abstract. This study analyzes the factors determining customers' choices regarding wadiah savings in Islamic banks. Islamic banks, as financial institutions operating based on Islamic principles, offer wadiah savings products that are free from interest, speculation, and uncertainty, making them an attractive option for individuals who wish to accumulate savings in accordance with sharia. Using qualitative methods and a literature study approach, it was found that the determinants of customers choosing wadiah savings are influenced by internal and external factors. Internal factors include personality, religiosity, knowledge, and family influence. External factors include occupation, social interaction, service quality, and other factors such as economic conditions, technology, regulation, and promotion. Understanding these factors is crucial for Islamic banks in designing effective marketing strategies. These strategies can enhance customer satisfaction, attract new customers, and strengthen the position of Islamic banks in a competitive market. Keywords: Sharia Bank, Wadiah Savings, Influence Factors, Marketing Strategy. Abstrak. Penelitian ini menganalisis faktor-faktor yang menentukan pilihan nasabah terhadap tabungan wadiah di bank syariah. Bank syariah, sebagai lembaga keuangan yang beroperasi berdasarkan prinsip-prinsip Islam, menyediakan produk tabungan wadiah yang bebas dari unsur bunga, spekulasi, dan ketidakpastian, menjadikannya pilihan menarik bagi individu yang ingin mengakumulasi tabungan sesuai dengan syariah. Dengan menggunakan metode kualitatif dan pendekatan studi literatur, ditemukan bahwa penentu nasabah dalam memilih tabungan wadiah dipengaruhi oleh faktor internal dan eksternal. Faktor internal meliputi kepribadian, religiusitas, pengetahuan, dan pengaruh keluarga. Faktor eksternal termasuk pekerjaan, interaksi sosial, kualitas pelayanan, dan faktor lainnya seperti kondisi ekonomi, teknologi, regulasi, dan promosi. Pemahaman terhadap faktor-faktor ini penting bagi bank syariah dalam merancang strategi pemasaran yang efektif. Strategi ini dapat meningkatkan kepuasan nasabah, menarik nasabah baru, dan memperkuat posisi bank syariah di pasar yang kompetitif. Kata kunci: Bank Syariah, Tabungan Wadiah, Faktor-Faktor Pengaruh, Startegi Pemasaran.

This literature review article presents an analysis of the concepts of Ariyah, Grants, Gifts, and Samsarah from a theoretical and practical perspective to understand the complexity and legal framework governing these transactions in an Islamic context. The data is analyzed in depth to identify key elements and relationships between concepts. Ariyah (borrowing) is the loan of goods without remuneration, Hibah (grant) is the voluntary gift of a living person to another, Hadiah (gift) without expectation of reward, and Samsarah (brokerage) is connecting between parties involved in a transaction (such as buyers and sellers) in which the intermediary is given a certain commission. Despite having fundamental differences in definition and application, these four concepts play an important role in society. From a theoretical perspective, each concept has a legal basis and principles governing it. In practical terms, the application of Ariyah, Grants, Gifts, and Samsarah is seen in various aspects of daily life, from trade transactions to social relations. Understanding these concepts helps individuals and organizations manage relationships and transactions more effectively according to the principles of sharia law.

Forest and land fires are natural disasters that often occur in Indonesia, especially during the dry season. These fires cause enormous environmental damage, economic losses, and social problems. In fact, large forest and land fires result in devastating smoke impacts beyond state administrative boundaries (transnational disasters).  The type of research that the author will use in this research is normative juridical. The use of this type of normative juridical research is because the object of study is related to legal principles and principles as well as theories and opinions of legal experts. It can be said that normative juridical research is literature research.  In general, forest fires that occur in Indonesia are caused by three main factors, namely fuel conditions, weather and social and cultural conditions of the community. Fuel conditions that are prone to fire hazards are their abundance on the forest floor, relatively low water content (dry), and continuous fuel availability. Climatic factors in the form of temperature, humidity, wind and rainfall also determine fire susceptibility. High temperatures due to direct sunlight cause fuel to dry out and become flammable, high humidity (in forests with dense vegetation) reduces the chance of forest fires occurring, wind also influences the fuel drying process and the speed at which fire spreads while rainfall influences the size of the fire. water contained in the fuel.

Unemployment is a significant economic problem that can affect society's well-being. In an Islamic economic perspective, unemployment is viewed through the lens of social justice, equitable distribution of wealth, and other sharia principles. The causes of unemployment in an Islamic economy include unfair distribution of wealth, lack of relevant education and skills, injustice in the conventional interest-based financial system, and economic and political instability. To overcome unemployment, Islamic economics offers solutions through the effective implementation of zakat, alms and waqf, the use of profit-sharing-based financial instruments such as mudharabah and musyarakah, as well as investment in education and skills training. The government also plays an important role in creating an environment that supports job creation through fair and stable policies. Encouraging entrepreneurship through training and access to capital is also an effective strategy in reducing unemployment. This holistic approach not only aims to reduce unemployment levels, but also to create a more just and prosperous society in accordance with Islamic economic principles.    

The aim of this research is to find out how criminal law regulates and recognizes the spread of hoaxes in the context of election campaigns and to find out how prevention efforts and legal education can be improved to reduce the spread of hoaxes during election campaigns. In this research, the researcher used a normative research method, namely a research method that aims to analyze, interpret and evaluate applicable law or legal principles by referring to theory, doctrine, statutory regulations, court decisions and other legal sources. Social media is the easiest place to share and get various information about the latest things that are currently being discussed and paid attention to by the public. However, as explained previously, not everyone can use social media well and wisely. This can be seen from the rise of hoax news spread on various social media platforms, be it Facebook, Instagram, WhatsApp, Twitter and so on.  

In the digital era, communication ethics has become increasingly crucial because the rapid development of information and communication technology has changed the way people interact and share information. Digital ethics involves the principles and norms that govern user behavior in creating, disseminating, and consuming content responsibly. Ethics and morals are related to each other. Morals are attitudes or actions while ethics are the values ​​contained therein. So, ethics is a rule of human behavior or habits that emphasizes what is good and what is bad. This research aims to find out how important communication ethics is in the digital era. The research method used is a literature study by collecting various journals and articles related to ethics and communication in the digital era. The results of this research reveal that ethics is very important in this digital era.

Leadership of Joshua in the Bible, highlighting his role, method, results of discussion, and relevance in modern context. Joshua was chosen by God as the successor of Moses, leading the Israelites towards the land of Canaan with courage, steadfastness, and obedience to God's commands. The research method employed was a qualitative approach using literature review, exploring the leadership values of Joshua in the context of the Bible. Joshua's selection by God, preparation and strategies in conquering the Promised Land, and his obedience to God's commands were discussed. There are leadership principles embodied by Joshua, such as firmness, courage, good character, innovation, steadfastness, and moral principles, which are relevant for modern leaders in creating stable and innovative environments. These principles encourage integrity, courage, and the ability to overcome challenges with appropriate solutions, while maintaining focus on the main goals and building strong relationships with the team.

Learning materials are not merely tools, but rather as the main source that provides important substance for learning. This concept is enriched by the view that learning materials are not only physical materials, but also something that carries meaningful messages to achieve teaching goals. Learning material on prayer jurisprudence, it can be seen that there is a gap in the approach which is still focused on declarative and procedural aspects. These materials do not yet reflect comprehensive Islamic education that can penetrate the emotional and spiritual dimensions. Therefore, there is a need to develop more meaningful prayer fiqh material by combining emotional and spiritual values ​​as additional material to support the goals of Islamic education that are in accordance with the principles of Islamic education. religious principles and Education laws. The emotional and spiritual intelligence material is prepared first according to the content of prayer jurisprudence. Ari Ginanjar's ESQ concept can be used as the main reference for this preparation. The results of the preparation are combined with existing prayer jurisprudence material. The results of this combination are then said to be the development of teaching materials, for example; The material on prayer intentions is given additional material on spiritual emotional intelligence which explains that intention contains the meaning that "Integrity is sincerity, honesty and commitment that grows from the impulse of one's conscience, not influenced by other factors". After the development of the teaching materials was ready, inquiry, contextual and expository learning strategies were chosen as relatively easier strategies in interpreting prayer fikh material based on the development of emotional and spiritual intelligence material.

Sharia insurance as a financial institution is required to prepare financial reports in accordance with PSAK 108. The use of accounting by a company is very important in the current situation, especially sharia insurance which seeks to increase client trust. However, rapid expansion without other supporting factors, including employees who are experts in sharia, has resulted in a lack of sharia-related knowledge among customers. This research uses the literature study method to conduct qualitative descriptive research. The aim is to better understand how Indonesian sharia insurance implements a sharia accounting system to ensure sharia insurance business activities comply with sharia principles and fulfill the public's desire for compliant financial solutions. The findings show that the implementation of this sharia accounting system ensures that sharia insurance business activities comply with sharia principles and fulfill the public's desire for financially sound financial solutions

This article discusses the principle of justice in teaching and learning interactions (study of Qur'an Surah Al-Maidah Verse 8) and aims to find out the principle of justice in learning interactions according to Al-Qur'an Surah Al-Maidah verse 8 and the relevance of justice in teaching and learning interactions according to Al-Qur'an Surah Al-Maidah verse 8. Data is taken from books or scientific works related to the problems to be discussed in the form of tafsir, the Qur'an, education and justice. Tafsir tahlili is used to interpret the verses of the Qur'an by describing all aspects contained in the verses being interpreted and explaining the meanings included in it according to the expertise and tendency of the mufassir who interpreted the verses. Surah Al-Maidah verse 8 explains about a fair attitude in an effort to uphold the truth because of Allah SWT. In the educational process, educators have a very important role to provide teaching and learning to students. Learners deserve a proper education. Education that does not look at the social level that students have. As a mandate holder, educators are very responsible for educating their students fairly and thoroughly and educating as well as possible and paying attention to humanism values. Because later in time will be held accountable for his work.

Technological advancements have significantly contributed to the robotics industry, yet mobility remains a challenge that can be addressed with mobile robots. In education, it is crucial to understand the basic principles of robotics and the use of related software and hardware. This research focuses on using a 4WD mobile robot as a learning tool. This robot offers flexibility and is easily controlled via a smartphone with built-in sensors. A smartphone application was developed using App Inventor, an open-source web-based development platform. The HC-05 Bluetooth module was used to connect the smartphone application with the 4WD robot. The goal of this research is to design innovative learning media to aid in understanding the concepts and control of the 4WD robot, as well as to increase students' interest and motivation in learning robotic systems. The results of the research demonstrated success in creating a 4WD robot prototype controllable via an Android smartphone. The distance between the Arduino and smartphone did not significantly affect the robot's movement, although communication was disrupted if the distance exceeded 10 meters. Directional control was achieved through the rotation of the right and left wheels, and sufficient power supply was needed to drive all wheels. Programming with C/C++ and Bluetooth communication functioned as planned. This innovative learning media is expected to help students understand and operate the 4WD mobile robot more effectively

The role of morality in public policy and law enforcement, especially in relation to human trafficking, is increasingly important in the digital era. This article discusses the complexity of these challenges and strategies to prevent human trafficking and protect personal data in Indonesia. A holistic approach is needed, with law enforcement paying attention to the dimensions of morality, integrity and moral courage in policy formulation. In a digital era filled with technological changes, public policy must be able to adapt to these developments while still maintaining strong moral principles. This requires a high level of integrity from policymakers and law enforcers to not only comply with technical rules, but also ensure that their actions are driven by the desire to create a fair and safe environment for all individuals. Recommended strategies include increasing border patrols to prevent the entry of illegal immigrants, cross-border cooperation to cut off human trafficking routes, strengthening regulations related to personal data protection, and increasing public awareness about data privacy. It is hoped that cooperation between the government, institutions and society can overcome this challenge to safeguard human rights and national security

As one of Indonesia's cultural heritage recognized by UNESCO, the Kawung motif holds a wealth of deep aesthetic, philosophical, and symbolic values. Studies on the geometric forms and patterns in the Kawung motif not only offer a better understanding of cultural heritage, but also open up opportunities to explore the relationship between art, mathematics, and philosophy. This research aims to explore the geometric forms and patterns in the Kawung motif in depth, by integrating perspectives from art, mathematics, and philosophy. By analyzing the geometric structure and mathematical principles underlying this motif, as well as relating them to the symbolic and philosophical meanings contained within, it is expected to gain a more holistic understanding of Indonesia's cultural heritage and the intellectual wealth it possesses.

Education is the main foundation in forming the character and intelligence of the nation's next generation. In Indonesia, Pancasila education has a very important role in directing students' moral and ethical development from an early age. Therefore, this research was conducted to analyze effective Pancasila education learning strategies for grade 1 SD/MI. This research is qualitative research that uses the literature review method with Google School as a database. Based on the literature review that has been carried out, it can be concluded that creative learning methods, such as stories, games and art activities, are very effective in increasing grade 1 SD/MI students' understanding of the values ​​of Pancasila. These methods not only make the learning process more interesting and enjoyable, but also help students internalize the values ​​taught, develop critical thinking and problem solving skills, and form character in accordance with the principles of Pancasila. The successful implementation of creative learning methods is very dependent on the role of the teacher, family support and the school environment. Therefore, joint efforts are needed from various parties to overcome challenges and maximize the potential for creative learning in Pancasila Education.

The Constitutional Court (MK) of the Republic of Indonesia plays a vital role in upholding the principles of the rule of law and the protection of human rights (HAM). MK operates through the judicial review mechanism to ensure that laws in force do not contradict the 1945 Constitution. Additionally, MK oversees the legislative process, ensuring transparency and public participation. In human rights protection, MK cancels provisions of laws that violate fundamental rights, with significant decisions related to freedom of expression, freedom of religion, and children's rights. MK also protects economic, social, and cultural rights, ensuring equal access for all citizens. Despite facing challenges such as political pressure and legal complexity, MK maintains its integrity through transparency and accountability. Overall, MK ensures that Indonesia remains a democratic and just state governed by the rule of law.

Corruption is often carried out by individuals who hold power, so that the characteristics of corruption crimes are always related to abuse of authority in the context of organized crime. This article aims to analyze the role of State Administrative Law in handling corruption in the public sector. Using the literature study method, this article collects data from various sources such as books, news and journal articles. The discussion includes the importance of administrative law in limiting and controlling excessive power possessed by state officials, as well as the role of bureaucracy in preventing corruption. In addition, this article outlines the types of legal accountability that apply to government officials involved in corruption, as well as the importance of internal and external monitoring in reducing acts of corruption. The principles of good governance and the need to reform the government system were also raised as important steps in eradicating corruption.

The government's role in Islamic economics is very significant, not only in regulating public aspects in accordance with Islamic principles, but also in financial matters such as managing basic needs, creating jobs, and maintaining the stability of the value of money. Public authorities need appropriate arrangements to steer the economy in the desired direction. One of the strategies used is financial regulation, which aims to control the money supply so that economic growth is stable, the cost of living is affordable, and jobs are available. This research aims to explore how the financial approach works from an Islamic perspective in depth. In the context of Islamic economics, the task of public authorities is to ensure that Islamic principles apply in terms of free income, interest-free economy, and money management in accordance with Islamic principles. Financial regulatory instruments also go beyond the use of open markets and custody of money, including in terms of distribution of credit, proportion of advances, and benefits in accordance with Islamic rules. This journal explores the relationship between monetary policy and economic development from an Islamic perspective. The focus is on the government's role in regulating monetary policy to achieve stable and sustainable economic growth in accordance with Islamic principles. The discussion includes financial management strategies that include controlling the money supply, stability of the value of money, and development of an interest-free economy. By considering the basis of free income in Islamic economics, this journal also highlights monetary policy instruments that are in accordance with Islamic values, such as credit distribution and benefit proportions that follow Islamic rules. This research aims to provide in-depth insight into how monetary policy can be implemented effectively in the context of Islamic economics, as well as implications and suggestions for sustainable economic development from an Islamic perspective.

International trade is something that often occurs in customs areas. Customs areas often witness international trade. Law on 17 of 2006 and Law on Excise No 11 of 1995 stipulate regulations regarding customs. However, in the case of exports and imports, it is difficult to differentiate between customs violations and customs crimes. The Customs and Excise Agency, an institution under the Ministry of Finance, is needed to handle customs cases. Based on the questions we discussed, the role and efforts of the DJBC in minimizing the increasing number of customs crimes must be discussed. The increase in customs crimes and obstacles. In their efforts to reduce the increase in customs crime, Customs and Excise is facing challenges. It is important to note that the national principles that drive the duties and efforts of the DJBC to reduce the increasing level of customs crimes can be linked to the principles and principles reflected the 1945 Constitution. Attributes of the Unitary State of the Republic of Indonesia (NKRI) including nationalism and patriotism, sovereignty and territorial integrity, law and order, shared prosperity, and security.

This article discusses how to uphold human rights values ​​in Indonesian society based on Pancasila. The Pancasila ideology is seen as the basis of the Indonesian state because it contains several principles, such as the principles of divinity, humanity, nationality, sovereignty and social justice. Pancasila values ​​must be implemented in upholding human rights in society, taking into account the principles that have been previously established. Human rights in Indonesia are regulated by Pancasila and the 1945 Constitution. Implementation of human rights requires efforts from the government, non-governmental organizations and society to create an environment that supports respect for human dignity. Handling issues related to human rights and Pancasila values ​​is required with an inclusive approach and constructive dialogue. This article aims to discuss how human rights values ​​can be implemented in Indonesian society based on Pancasila. Apart from that, the article also aims to highlight the importance of implementing the noble values ​​of Pancasila in upholding human rights in Indonesia. The research method used in this article is text analysis and interpretation of human rights values, Pancasila ideology, the Basic Laws of the Republic of Indonesia, and implementation of noble values ​​of Casila in upholding human rights in Indonesia. The importance of implementing the noble values ​​of Pancasila in upholding human rights in Indonesia is also emphasized, by involving the government, non-governmental organizations and society in creating an environment that supports respect for human dignity. An inclusive approach and constructive dialogue are also considered important in dealing with issues related to human rights and Pancasila values.

Monetary policy in Islamic economics is an important aspect in maintaining economic stability and promoting the welfare of the people. In the Islamic economic paradigm, monetary policy aims to create a balance between sustainable economic growth and fair distribution of wealth. Principles such as fairness, sustainability and fairness are the basis for formulating monetary policy. First, monetary policy must ensure that the creation of new money is carried out responsibly, avoiding inflation that is detrimental to society. In addition, the Islamic monetary system encourages the use of financial instruments based on sharia principles, such as mudharabah and musyarakah, which encourage healthy economic participation. Second, monetary policy must pay attention to aspects of wealth redistribution to reduce economic inequality. This can be achieved through collecting zakat, infaq and sadaqah as well as channeling funds to sectors in need, such as education, health and poverty alleviation. By implementing monetary policy in accordance with Islamic economic principles, it is hoped that an economy that is inclusive, sustainable and fair can be realized for all members of society.