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Penelitian ini menjelaskan perbedaan pemahaman tentang utang dari sudut pandang ekonomi Islam dan ekonomi konvensional, serta tantangan yang dihadapi dalam penerapannya di masyarakat dan institusi keuangan. Dalam ekonomi konvensional, utang dianggap sebagai perjanjian keuangan yang melibatkan bunga, digunakan untuk memenuhi kebutuhan konsumsi dan investasi. Sementara, dalam ekonomi Islam, utang dipahami sebagai alat sosial yang berlandaskan nilai kemanusiaan, solidaritas, dan larangan riba, sehingga perjanjian utang harus bebas dari bunga serta ketidakadilan. Penelitian ini menggunakan metode deskriptif kualitatif dengan pendekatan kajian literatur untuk meninjau konsep, prinsip, serta berbagai hambatan yang dijumpai dalam penerapan kedua sistem. Pengumpulan data dilakukan melalui analisis dokumen dari buku, jurnal, dan penelitian terdahulu, yang kemudian dianalisis dengan menggunakan pendekatan analisis konten. Tujuan penelitian adalah untuk memahami secara mendalam konsep utang menurut perspektif Islam dan konvensional, mengidentifikasi tantangan dalam pengelolaan utang di kedua sistem ekonomi, dan menyajikan perbandingan aspek moral, akad, risiko, serta tujuan penggunaan utang. Hasil penelitian menunjukkan bahwa dalam ekonomi Islam, utang menekankan pada prinsip keadilan dan etika syariah yang melarang riba, berfokus pada kerja sama, serta mengutamakan perjanjian yang jelas dan tertulis dengan disertai saksi. Sementara itu, utang dalam ekonomi konvensional lebih mengedepankan aspek keuntungan dengan penggunaan bunga sebagai sumber utama profit. Dalam praktiknya, manajemen utang syariah menghadapi tantangan seperti rendahnya pemahaman masyarakat tentang keuangan syariah, terbatasnya akses ke instrumen syariah, dan kurangnya regulasi yang tegas. Di lain pihak, pengelolaan utang konvensional berhadapan dengan risiko suku bunga, ketidakstabilan fiskal, serta masalah transparansi dan akuntabilitas. Penelitian ini memberikan sumbangan akademis untuk pengembangan sistem keuangan yang lebih adil dan berkelanjutan di masa mendatang.

ABSTRAK Penelitian ini memiliki tujuan untuk (1) Mengembangkan bahan ajar Pendidikan Pancasila terintegrasi media pembelajaran komik studi pada fase F di SMA Batik 2 Surakarta; (2) Menguji kelayakan produk bahan ajar Pendidikan Pancasila terintegrasi media pembelajaran komik studi pada fase F di SMA Batik 2 Surakarta. Metode yang digunakan adalah metode penelitian RnD (Research and Development) dengan pendekatan model Sukmadinata melalui tiga tahapan, yaitu studi pendahuluan, Pengembangan produk, dan pengujian produk. Pengumpulan data dilakukan melalui observasi, wawancara, angket, tes, dan studi dokumen. Uji validitas data kualitatif dengan triangulasi sumber dan metode, sedangkan data kuantitatif menggunakan uji validasi para ahli yaitu validator ahli materi, dan validator ahli media. Teknik analisis data meliputi analisis kualitatif dari hasil pengumpulan data dan analisis data kuantitatif dari uji N-Gain. Hasil penelitian Pengembangan ini yaitu (1) Pengembangan bahan ajar Pendidikan Pancasila terintegrasi media pembelajaran komik Dilakukan dengan tiga tahap yaitu studi pendahuluan untuk mengethaui bahan ajar yang digunakan, kemudian tahap pengembangan produk dimulai dengan Menyusun modul, Menyusun instrument, mengembangkan produk, dan dilakukan validasi kepada validator ahli, tahap terakhir pengujian produk dilakukan di kelas XI di SMA Batik 2 Surakarta; (2) Produk Pengembangan diuji validasi oleh para ahli dengan hasil validator materi sebesar 87% (Sangat layak), dan validator ahli media sebesar 98,33% (Sangat layak). Dari hasil validator materi maupun validator media dapat disimpulkan sangat layak sebagai bahan pembelajaran di dalam kelas. Setelah produk dinyatakan valid, kemudian dilakukan uji coba terbatas dan uji lapangan. Dari hasil uji N-Gain di kelas XI.1 didapatkan nilai sebesar 0,58 yang termasuk kategori efektif tingkat sedang. Kemudian di kelas XI.2 didapatkan nilai sebesar 0,63 yang termasuk kategori efektif tingkat sedang. Dari hasil Uji N-Gain uji lapangan maka dapat disimpulkan bahwa penggunaan bahan ajar Pendidikan Pancasila terintegrasi media pembelajaran komik masuk dalam kategori efektif sedang. Kata kunci: Bahan ajar, Pendidikan Pancasila, Media pembelajaran, Komik

The lack of interest of students in Fiqh learning is caused by the use of monotonous methods and media, which has an impact on the low activity of learning. To overcome this, interesting and interactive technology-based media innovations are needed. This research aims to develop a Quizlet-based learning media on the material of the Sacred Tools for class VII MTs Integrated Berkah Palangkan Raya to improve student learning activities. The research method uses the Researchand Development (R&D) approach with the ADDIE development model which includes the Analyze, Design, Develop, Implement, and Evaluate stages. The subjects of the study were 36 students of grade VII A. Data were obtained through observation and questionnaire of student responses to the use of Quizlet media. The results showed that learning using Quizlet obtained an average percentage of 89% in the "very feasible" category. This proves that Quizlet media is influential in increasing students' activeness and involvement during the Fiqh learning process. It can be concluded that the use of Quizlet-based learning media is effective in creating a more interesting, interactive, and encouraging active participation of students. This research is useful for the development of digital learning media innovations in Islamic education and provides new alternatives for teachers in optimizing the teaching and learning process.  

The rapid advancement of digital technology has transformed the learning patterns of Generation Z, who tend to be visual, quick in accessing information, and highly engaged with interactive media. These characteristics pose challenges for history learning, which is often perceived as monotonous and focused on memorization. This study aims to examine the needs, urgency, and strategies for developing history teaching materials that are relevant and effective for Generation Z in the digital era. Using a descriptive qualitative approach through library research, the findings indicate that effective history materials should integrate digital media, apply active learning models, and connect historical content with students’ real-life experiences. Teachers play a key role as innovators by utilizing digital storytelling, virtual tours, gallery walks, and gamification. Integrating local history and national values is also essential to strengthen students’ national identity. This study emphasizes that developing digital history teaching materials is not merely about adopting technology but about creating meaningful, reflective, and generation-appropriate learning experiences.

The Islamic Literacy Program to Foster Religious Character in Early Childhood is a community service initiative aimed at instilling Islamic values through engaging and meaningful literacy activities. The program was conducted for two weeks in Timbang Langkat Village, Binjai Timur District, involving early childhood learners, PAUD teachers, and parents. This study employed a Participatory Action Research (PAR) approach consisting of planning, action, observation, and reflection stages. Data were collected through observation, interviews, and documentation, then analyzed descriptively using the Miles and Huberman interactive model. The findings showed a 31% average increase in children’s religious character aspects, including faith, discipline, honesty, responsibility, and social attitude. Furthermore, teacher and parent involvement played a crucial role in strengthening the internalization of religious values through enjoyable literacy activities such as storytelling of prophets, writing Arabic letters, and Islamic role-playing. The implications indicate that Islamic literacy effectively fosters religious character development in early childhood in a contextual and sustainable manner and can serve as a model for other PAUD institutions in developing Islamic character education programs.

The Free Nutritious Meal Program (MBG) is a national initiative to strengthen human resource quality, yet its success depends on schools’ capacity to plan, manage, and sustain implementation. This community engagement program aims to build the institutional capacity of SMP Negeri 7 Jember in planning and executing MBG, enhancing nutrition literacy among teachers, students, and parents, and fostering a sustainable collaboration model with relevant stakeholders. Using a Participatory Rural Appraisal (PRA) approach with a Plan–Act–Observe–Reflect cycle, the activities included baseline mapping of nutrition management, development of an action plan, training and mentoring for MBG SOP formulation, implementation of healthy eating practices, and reflective sessions for sustainability planning. The program resulted in improved managerial capacity, as evidenced by the development and initial application of MBG SOPs, stronger internal coordination, and increased nutrition knowledge, based on pre- and post–training scores. Parental involvement strengthened alignment between school and home practices, supporting the emergence of a healthy nutrition culture.

Penelitian ini bertujuan untuk mengetahui dan mendeskripsikan penerapan evaluasi pembelajaran terhadap peserta didik di Lembaga Pendidikan MA Miftahul Qulub Polagan Pamekasan. Pendekatan yang digunakan dalam penelitian ini adalah kualitatif deskriptif, dengan teknik pengumpulan data melalui observasi langsung di lapangan dan wawancara langsung dengan informan kunci, termasuk kepala sekolah, guru mata pelajaran, dan wali kelas. Observasi dilakukan untuk melihat secara faktual proses evaluasi hasil pembelajaran secara sistematis untuk mengukur pencapaian tujuan pendidikan yang telah ditetapkan. Sedangkan wawancara diarahkan untuk menggali persepsi, pengalaman, serta tantangan yang dihadapi oleh para pelaku pendidik terkait pelaksanaan evaluasi. Hasil penelitian menunjukkan bahwa penerapan evaluasi pembelajaran di MA Miftahul Qulub Polagan Pamekasan telah dilaksanakan melalui berbagai instrumen dan teknik evaluasi seperti penilaian tugas dan pencapaian yang disesuaikan dengan karakteristik peserta didik serta tujuan pembelajaran. Meskipun demikian, masih terdapat tantangan dalam konsistensi pemberian umpan balik dan pemanfaatan hasil evaluasi untuk perbaikan pembelajaran. Penelitian ini diharapkan dapat memberikan kontribusi bagi pengembangan strategi evaluasi pembelajaran yang lebih efektif dan responsif terhadap kebutuhan peserta didik.

Penelitian ini menganalisis peran motivasi spiritual dalam meningkatkan ketahanan belajar siswa muslim di SD IT Ar Risalah Miri dengan menggunakan pendekatan kualitatif studi kasus. Data dikumpulkan melalui wawancara mendalam, observasi partisipatif, dan analisis dokumen terhadap siswa kelas IV-VI, guru, dan manajemen sekolah. Temuan penelitian mengungkapkan bahwa motivasi spiritual berkontribusi fundamental terhadap pembentukan resiliensi akademik melalui empat dimensi utama: kesadaran menuntut ilmu sebagai ibadah, penerapan nilai kesabaran dalam menghadapi kesulitan pembelajaran, manifestasi ketekunan dalam konsistensi belajar, dan sikap tawakal yang mengurangi kecemasan akademik. Program pembiasaan keagamaan yang sistematis meliputi shalat dhuha berjamaah, tadarus Al-Qur'an, hafalan berjenjang, dan mentoring spiritual personal terbukti efektif menginternalisasi nilai-nilai spiritual dalam perilaku belajar siswa. Hasil penelitian menunjukkan bahwa integrasi dimensi spiritual tidak hanya meningkatkan motivasi intrinsik tetapi juga membangun fondasi psikologis untuk menghadapi tekanan akademik. Penelitian ini memberikan kontribusi teoretis terhadap pengembangan model pendidikan Islam terpadu holistik dan implikasi praktis bagi stakeholder pendidikan dalam merancang kebijakan berbasis spiritual untuk penguatan resiliensi akademik siswa muslim tingkat sekolah dasar.

This article discusses the development of an e-commerce website for a batik store as an effort to digitize marketing and improve operational efficiency. The study focuses on system development strategies, integration of essential features such as product catalogs, shopping carts, digital payment methods, and their impact on customer accessibility. A descriptive qualitative approach was used, employing observation, interviews with the store owner, and a literature review related to e-commerce and digital marketing for MSMEs. The analysis results show that the implementation of a web-based digital platform can expand market reach, enhance customer convenience in shopping, and support more organized and structured transaction recording. The website development was carried out using the Waterfall method to ensure a step-by-step and structured process. These findings indicate that digital transformation through an e-commerce website is a strategic solution for batik MSMEs in facing modern market challenges.

This study aims to analyze the development of Human Resources (HR) and employee performance in improving skills, abilities and behavior so as to improve their performance in carrying out the operations of the Village-Owned Enterprise (BUMDes) of Jatirejo Lendah Kulon Progo Village. The method in this study is a qualitative descriptive method. The data collection techniques used in this study are observation, interviews and documentation. The sample in this study amounted to 7 respondents. While the analysis technique uses a deductive method that analyzes general data to draw specific conclusions. The results of the study indicate that human resource development in improving the performance of BUMDes employees is very important in an organization, Human resources in an organization must have training, knowledge, skills and motivation. Human resource development through education, there are still employees with Junior High School (SMP) education, training has been carried out with Kulon Progo district and D.I. Yogyakarta provincial level, but not all employees participate regularly skills, in general employees have good work skills, although not optimal. Based on the analysis of human resource development to improve employee knowledge, skills and motivation so that they can carry out their duties and responsibilities well.  

Early childhood education is an important foundation in character building, because the golden age is a period when physical, cognitive, and socio-emotional development occurs very rapidly, requiring planned and continuous stimulation. One effort that can be made is through the implementation of G7KAIH activities, which is a program of seven positive habits designed to instill the values of independence, discipline, cooperation, cleanliness, and responsibility from an early age. This study aims to describe the implementation of G7KAIH as a strategy for character development in early childhood at Sartika Kindergarten. The method used is descriptive qualitative with data collection techniques in the form of semi-structured interviews with teachers directly involved in the program implementation. The results show that G7KAIH has been integrated into daily routines, although it is still in its early stages and does not yet have standard operating procedures. The children's responses varied; some were enthusiastic, but others still needed guidance due to differences in their social-emotional development. The obstacles that arose were related to the children's understanding and the limitations of the implementation guidelines, but these could be overcome through motivation and a variety of activities. Overall, G7KAIH made a positive contribution, especially to the children's independence and discipline.

This study aims to analyze the forms of collaboration between teachers and parents in following up on the results of observational assessments of early childhood self-regulation development. The study employs a qualitative approach with a case study design in a non-formal early childhood education (PAUD) setting. Data were collected through observation, interviews, and analysis of assessment documents. The findings indicate that observational assessment serves as an initial foundation for identifying children’s abilities to manage emotions and behavior. The assessment results are then followed up through collaborative practices in the form of regular communication, exchange of information regarding children’s development, and agreements on guidance strategies between teachers and parents. The role of parents is evident in the consistent implementation of guidance strategies at home, aligned with the stimulation provided by teachers at school. This alignment of roles has been shown to strengthen children’s self-regulation development, particularly in impulse control, behavioral regulation, and the ability to follow rules. The study emphasizes that structured and continuous teacher–parent collaboration is a key factor in the effectiveness of follow-up actions based on observational assessment results in supporting early childhood social-emotional development.

This study aims to analyze business development strategies through a SWOT analysis approach for Patricia Aksesoris, focusing on understanding the internal and external conditions that influence business development. The analysis results show that Patricia Aksesoris has strengths in good product quality and a variety of attractive designs. However, this business also faces weaknesses, such as limitations in promotion and capital that can limit expansion. Opportunities that can be exploited include the growing trend in accessories and the great potential for marketing through digital platforms. On the other hand, the main threats faced are intense price competition and rapid changes in consumer tastes. Based on these findings, the recommended strategies to increase business competitiveness are strengthening marketing through social media, improving customer relationships, and improving operational management to achieve greater efficiency. With these strategies, Patricia Aksesoris can strengthen its position in the market and achieve sustainable growth.

The development of digital technology has changed the way Islamic Religious Education (IRE) is taught, encouraging the use of digital media as a means to improve interaction, motivation, and understanding among students. This study aims to examine the methodology for developing digital-based IRE learning media, identify the supporting and inhibiting factors for its implementation, and formulate a systematic and contextual methodological framework. The study uses a descriptive qualitative approach through document analysis and systematic literature review of scientific articles, research reports, and methodology books published between 2019 and 2025. The analysis was conducted through reduction, grouping, interpretation, and content analysis to map development models, validation techniques, pedagogical principles, and the suitability of media to student characteristics. The results show that the most commonly used development models include ADDIE, Borg & Gall, 4-D, and iterative approaches such as SAM. The successful implementation of digital media is greatly influenced by teacher readiness, student digital literacy, content suitability with the curriculum, and institutional infrastructure and policy support. These findings emphasize the importance of content validation by experts, the integration of religious moderation values, and continuous training for teachers so that media can be used effectively, relevantly, and ethically. This study is expected to be a reference for PAI developers and educators in creating  

This study formulates a design concept for the Beach Tourism Resort Area in Botubarani Village by applying tropical architecture that responds to coastal climatic conditions while enhancing the quality of visitor experiences. The research integrates principles of thermal comfort, environmental sustainability, and the ecological potential of coastal environments as the basis for creating climate-adaptive and environmentally responsive tourism areas. The methodology includes site analysis, field observation, climatological assessment, and a literature review related to tropical architecture and coastal tourism design. The collected data were used to determine building orientation, mass layout patterns, visitor capacity, materials, vegetation, and utility systems appropriate for humid tropical climates. The findings show that the site’s position between the sea and the mountains, combined with full-day sun exposure, requires design strategies that maximize cross-ventilation, utilize sloped roofs, provide natural shading, and apply local materials such as wood, bamboo, and red brick. The large spatial needs based on visitor capacity projections are accommodated through a flexible cluster layout that supports visual and functional connectivity between buildings while incorporating green open spaces to enhance microclimate comfort. The utility system is designed using sustainability principles through greywater–blackwater separation, infiltration wells, and recycling-based waste management. This study confirms that the application of tropical architecture in coastal tourism areas can improve thermal comfort, energy efficiency, and environmental sustainability. These findings guide developing tropical tourism area designs that are more adaptive to climate change and more responsive to visitor needs.

Political communication is a process of conveying political messages involving political actors, government, power, and various activities within the political system. As a branch of communication science, political communication focuses on how political messages are constructed, delivered, received, and interpreted by the public, as well as how these processes influence public opinion and political decision-making. In the context of this study, the optimization of the village head’s political communication in developing th Village-Owned Enterprise (BUMDes) can be seen through the policy directions undertaken, such as providing training for livestock farmers particularly goat farming and managing village deliberation meetings (musdes) that support the sustainability of BUMDes programs. This research employs a descriptive qualitative method conducted in Laweyan Village, Sumberasih Subdistrict, Probolinggo Regency, with data collected through observation, interviews, and documentation. Dan Nimmo’s political communication theory serves as the analytical framework. The findings indicate that the Laweyan Village Government consistently strives to improve the community’s economy through the development of BUMDes, particularly in the agricultural and livestock sectors. Innovations carried out by the village government and BUMDes management, especially within the goat farming unit, have significantly contributed to the progress and sustainability of the enterprise.

This community service activity aims to improve the soft skills capacity of the Ibu-Ibu Mekar community in Semarang City to face the demands of the Society 5.0 era. The program was implemented through four stages: needs assessment, participatory planning, training, and mentoring. The methods used included interactive lectures, group discussions, role-play, and contextual practice. The results of the activity showed significant improvements in participants' communication, creativity, collaboration, and problem-solving skills. In addition, several participants began to demonstrate informal leadership roles and greater involvement in community activities. These findings indicate that the experience-based participatory mentoring approach is effective in strengthening women's empowerment and preparing communities for socio-technological change. The program also helped participants develop adaptability to change, increased self-confidence, and facilitated the formation of broader social networks in their communities. Empowering women through soft skills development is expected to create a more resilient community in facing the challenges posed by digital transformation in the Society 5.0 era. This program emphasizes the importance of sustainable soft skills development as a foundation for community resilience in the Society 5.0 era.

This study aims to conduct a comparative analysis of curriculum development and teaching methods in Islamic education in Indonesia and Egypt. Both countries have a long tradition in the development of Islamic sciences, but they demonstrate different approaches in accordance with their respective social, cultural, and educational policy contexts. This study uses a literature review method with a descriptive qualitative approach through a review of journals, books, and Islamic education policy documents. The results of the analysis show that the Islamic education system in Indonesia emphasizes the integration of religious and general knowledge in its curriculum, in line with the spirit of religious moderation and the demands of modern society. Meanwhile, Islamic education in Egypt, especially through Al-Azhar University, emphasizes a traditional approach based on tafaqquh fi al-din with a focus on mastery of classical Islamic sciences. In terms of teaching methods, Indonesia is more adaptive to active and technology-based learning models, while Egypt maintains the talaqqi and memorization methods, but has begun to adopt modern pedagogical innovations. Overall, both education systems have their own strengths; Indonesia excels in contextualizing the curriculum, while Egypt sets an example in maintaining the authority and continuity of Islamic scholarship. These findings are expected to contribute to the development of a balanced Islamic education that integrates values and modernity.

Digitalization has become a key factor driving global economic transformation, including the development of the Islamic economy in Indonesia. The purpose of this study is to evaluate the opportunities, challenges, and strategies for advancing the Islamic economy in the digital era through a literature-based research method. Information was gathered by reviewing documents, articles, and relevant literature related to the digitalization of the Islamic economy, including analyses of Sharia-compliant fintech, halal e-commerce, and digital Islamic banking.The findings indicate that digitalization offers numerous opportunities to enhance service efficiency, expand access to Islamic financial services, strengthen the capacity of MSMEs, and accelerate the growth of the halal industry. However, the digital transformation process also presents several challenges, such as low levels of digital and Islamic financial literacy, potential data breaches, the spread of misinformation, regulatory inefficiencies, and legal uncertainties associated with emerging technologies such as Sharia-compliant blockchain. In addition, digital inequality and ethical issues must be addressed to ensure alignment with the principles of maqāṣid al-sharī‘ah.This study highlights the importance of implementing a comprehensive Sharia-based development strategy through regulatory strengthening, education on digital ethics, enhanced supervisory functions, and collaboration between the government, academia, industry players, and society. With the right approach, digitalization can become a significant tool in building an Islamic economic ecosystem that is just, inclusive, and sustainable.

This research aims to evaluate the implementation of guidance and counseling (BK) at SMPIT Widya Duta, an integrated Islamic school in Bekasi City. The method used in this research is qualitative research. The data collection techniques were gathered through direct observation, semi-structured interviews with BK teachers and students, and documentation. The results show that BK services are structured based on the Service Implementation Plan (RPL) with a focus on four areas: personal, social, learning, and career, as well as individual counseling as the most preferred service. The results also indicate that the BK teacher's approach includes initial observation, peer strategies for introverted students, and enforcement of confidentiality, with stakeholder collaboration as a supporting factor. Recommendations that can be given to improve the effectiveness of BK services include collaborative interdisciplinary training, continuous evaluation, and technology integration to strengthen synergy between PAI teachers, BK, and parents to address operational challenges and optimize student learning comfort and character development.