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Early childhood development is something that will disrupt a child's life, which arises from a mismatch in their development. The research objective of this research is to understand the problems faced by young children, minimize the emergence and impact of these problems, and be able to provide appropriate assistance efforts. Therefore, it is important to know about early childhood development because at this time, children are in a golden age that only comes once and cannot be repeated. As educators and parents, it is mandatory to see children's growth and development from an early age, and what a loss it is for parents who don't care about their children's development. A child's problem is something that is disturbing. Language development disorders are the inability or limitations in using linguistic symbols to communicate verbally or delays in a child's ability to develop speech and language according to their age group, gender, customs and intelligence. Therefore, if speech and language disorders are not treated appropriately, there will be problems with reading ability, verbal ability, behavior, psychosocial adjustment and poor academic ability. Parents/teachers need to understand this problematic behavior because "problem children" are usually seen in the classroom and they even display problematic behavior in all interactions with their environment. Children's lives, which arise due to disharmony in their development.

The development of housing credit provided by the North Lampung Matrix Housing Developer sometimes gives rise to bad credit problems, where the realization of the credit provided does not reach the predetermined target. This can affect North Lampung Matrix Housing activities and impact developer accountability. What is the developer's responsibility for credit in accordance with Law Number 1 of 2011 concerning Housing and Settlement Areas in Matrix Housing in North Lampung? The research results show that the developer's responsibility for credit in accordance with Law Number 1 of 2011 concerning Housing and Settlement Areas at Matrix Housing in North Lampung includes the obligation to collect debtors who experience problematic credit who collaborate with the developer. North Lampung Matrix Housing Partners Bank, basically this obligation has not been specifically regulated in the banking law and still uses general rules such as the Banking Law, Civil Code and Law Number 40 of 2007 concerning Limited Liability Companies. The absence of special "lex specialis" regulations is a weakness in responsibility when bad credit occurs. All components of North Lampung Matrix Housing have juridical responsibility for all operational activities. Resolving problem loans at Matrix Housing in North Lampung can be done in two ways, namely litigation efforts through the courts and non-litigation efforts through preventive measures such as anticipating the emergence of bad credit, early warning and negotiation.

The purpose of this study was to analyze the problems of mathematics education students in real analysis courses. This research uses the Systematic Literature Review (SLR) method. The research objective of the Systematic Literature Review (SLR) method is to evaluate, review and recognize relevant research so as to be able to answer questions on the specified research. The results of the research from analyzing this that the most common problem faced is the occurrence of student misconceptions about the material, concepts in learning that are quite a lot, minimal Indonesian language sources, still less able to construct mathematical evidence and internal factors are lack of interest and motivation in learning so that it seems difficult..

Companies such as financial institutions in carrying out operational activities always want to obtain high profits such as profit engineering. Earnings engineering is one of the contemporary issues in finance, especially in Indonesia. In several reports in a large company there are 77% of senior managers involved in unethical behavior by carrying out scandals that are motivated by earnings management. This is problematic for the development of accounting, especially sharia accounting. Study aims to analyze the implementation of Islamic earnings management in Islamic accounting. In this study teh method use is the literatur review by collecting secondary data from various related journal. The results show that there are still earnings engineering practices in companies and financial institutions in Indonesia. For this reason, sharia principles really need to be emphasized in order to improve the quality of sharia accounting that is completely free from fraudulent practices. One of the appropriate efforts is to apply sharia accounting in conducting profit-sharing financing, proper and effective monitoring must be carried out with adequate supervision and reporting, so that companies such as Islamic banks or companies can avoid earning management and profit engineering. Financial institutions that apply sharia accounting principles are required to implement Islamic earnings management as a profit management practice in accordance with Islamic religious rules and ethics.

Murabaha bil wakalah financing at BMT AL-Ishlah, Jambi, experienced payment problems. The Islamic finance industry is growing rapidly, but problematic financing is a challenge. The research aims to identify the causes and strategies for solving murabahah bil wakalah financing problems. This research uses a qualitative approach, data collection is carried out by observation, interviews and documentation. Data analysis includes data reduction, data presentation, and conclusion verification. The research focuses on identifying internal and external factors that cause financing problems and exploring solutions to resolve them. The results of this research are internal factors including inaccurate credit analysis and inadequate application of the 5C principles. External factors include economic conditions, the COVID-19 pandemic, and customer behavior. Solving problems through non-litigation approaches such as friendship, financing restructuring and financial assistance. Research finds that proper handling can reduce the risk of problematic financing and support the sustainability of BMT in the Islamic finance industry.

Article 33 (3) of the 1945 Constitution of the Republic of Indonesia, is clear that the welfare of the people must be prioritized, however, the problem of mineral and coal mining, at the conceptual level, has not shown an impact on the welfare of the Indonesian people; The author appreciates this change in law. Currently, corruption related to mining has emerged again, namely a loss of IDR 271 trillion, which according to Bambang Hero S. is still an environmental loss or a loss to the country's economy. When compared to BLBI of 138 trillion and Asabri of around 22 trillion, this means that the trading system of tin as one of the mining commodities is the biggest corruption, which was unexpected by the public, but suddenly emerged after the election. Departing from the 1945 Constitution which uses the principle of managing oil and gas resources for the benefit of society and the state. So the problem formulation is how problematic occurs in changes to the regulations of Law no. 4 of 2009 until now it has become Law no. 3 of 2020. At the norm level, changes to the law have accommodated the principles of sustainability and legal certainty, even though implementing regulations do not yet exist. Returning to legal problems in Indonesia, problems often arise in the application of the law, not at the normative level.

The clinical supervision process in Islamic educational institutions in Indonesia faces a number of problems that need attention. This article investigates the challenges in implementing clinical supervision at the Islamic educational level, including limited resources, understanding the concept of supervision, and the integration of Islamic values ​​in supervision practice. Through a qualitative analysis approach, this article also explores potential solutions to increase the effectiveness of clinical supervision in the context of Islamic educational institutions, with the aim of enriching student learning experiences and strengthening the integrity of Islamic values ​​in clinical education.

Mudharabah financing is used by MSME customers and non-MSME customers in Sharia banking practices because there is minimal risk for both the Sharia bank and the customer. However, the PPKM pandemic is sweeping the world so many people are affected, one of which is MSME customers, which has an impact on the performance and ability to pay MSME customers' obligations to banks. The aim of the research is to analyze the implementation of financing restructuring during the PPKM period and to analyze the supporting and inhibiting factors in implementing financing restructuring during the PPKM period at Bank Syariah Indonesia KC Gatot Subroto, Jambi City. Restructuring has been implemented since the inception of Bank Syariah Indonesia (BSI). The supporting factors in the implementation of restructuring at Bank Syariah Indonesia (BSI) are internal factors originating from the bank and external factors originating from the customer, while inhibiting factors in its implementation are the lack of openness or dishonesty of customers towards the bank when asked for information, lack of communication when want to be asked for information or lack of transparency, and lack of personnel or staff who understand well the implementation of restructuring. Bank Syariah Indonesia (BSI) is expected to be more careful and more selective in analyzing the provision of financing so that it will minimize the occurrence of problematic financing in the future and the analysis that must be carried out by Bank Syariah Indonesia (BSI) in carrying out restructuring is expected to be guided by the bank's regulations and rules. established sharia rules.

In Indonesia, the main focus of current education reform efforts is the Merdeka Curriculum. Mathematics is one of the subjects that has undergone many changes, especially at the elementary school (SD) level. This study investigates the impact and challenges that arise when implementing Merdeka Curriculum in mathematics learning at the primary level. The purpose of this study is to provide insights and details regarding the challenges associated with learning mathematics. This research uses a qualitative descriptive methodology that combines two methods to explore information at SDN 012 Babakan Ciparay, Bandung City, which leads to the implementation of the Merdeka Curriculum. The research results obtained in this study found that there were difficulties in implementing the Merdeka Curriculum in students as well as teaching staff, especially in the application of mathematics learning. However, this does not significantly affect the effectiveness of learning and the interest of students and teaching staff.

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

The Department of Population and Civil Registration is an agency engaged in the field of public services. Nowadays, many people are aware of the importance of civil registration of Indonesian citizens. Currently there are still many people who feel dissatisfied with the performance provided by employees to the community. This is due to problematic employee performance, such as employee attitudes that are less than friendly, employee performance that does not satisfy the public, and employees not completing their work on time. The aim of this research at the Tangerang City Population and Registration Service is to determine and analyze the performance of employees at the Tangerang City Population and Civil Registration Service. The method used in this research is a descriptive method with a qualitative approach. The results of this study indicate that the performance of employees at the Department of Population and Civil Registration is not optimal. In terms of quality indicators, employee performance still needs to be improved due to the mismatch between job placement and their abilities and skills. On the quantity of work indicator, it can be said that it is quite good because the work plan every year can be carried out properly. In terms of punctuality indicators, it still cannot be said to be optimal, because there are still employees being late in coming to work and employees not being on time in completing work. On the effectiveness indicator, it is quite good, because the facilities and systems in the office are adequate. The independence indicator is quite good, because there has been progress in the employee's initiative in carrying out their duties. In terms of work commitment indicators, the research results show that the responsibilities of employees are good, but there is still a lack of employee discipline when coming to work.    

Da'wah in its implementation encounters obstacles and da'wah problems. This research is motivated by the problematic da'wah faced by the salafi congregation in Tanjung Pauh, Pangkalan Koto Baru Subdistrict on the implementation of da'wah which is not going well. Backgrounded by the state and background of human resources both in terms of education and cultural background. There are still many people who have not fully implemented Islamic law and there are still many people who commit actions that deviate from Islamic teachings such as gambling, drinking alcohol, many people who have not and or neglect prayer, lack of social boundaries between young men and women, still lack of parents who teach their children about Islamic values in everyday life. The type of research used is field research with a descriptive qualitative approach. The data collection used is observation, interview, and documentation. The results of the research are the problematic da'wah of the salafi congregation in Tanjung Pauh, Pangkalan Koto Baru District, Limapuluh Kota Regency, which consists of the problematic maddah (da'wah material), namely from da'wah material that is less adapted to the background of the community. Second: problematic thariqah (method of da'wah), namely in terms of the method of da'wah al-mujadalah al-ahsan.

Opening an online account is a banking service provided by the bank to make it easier for customers who want to open an account at a bank. However, in operation, there are also those who experience problems opening online accounts. The purpose of this research is to determine the decision-making process of Bank Syariah Indonesia KCP Simpang Limun in resolving the opening of online accounts for problematic customers. The matters described include the factors causing online account openings, the bank's decision-making mechanism in resolving problematic online account openings. This research uses qualitative methods while the data collection methods used are interviews, observation and documentation. The results of this research indicate that to overcome problems in opening online accounts for customers of Bank Syariah Indonesia KCP Simpang Limun by authorizing the customer's account through the bank supervisor. Before opening an online account, customers should pay attention to the condition, both of the smartphone used and the data that will be used registered.

In the era of technology 4.0, Indonesia is pursuing progress through the adoption of smart contracts on the blockchain. The government responded to this by establishing technology regulations to address emerging challenges. Legal principles demonstrate their adaptability in the digital era by utilizing information technology to build a modern legal and administrative framework, in line with the vision of industrial development 4.0. This normative juridical legal research evaluates the application of legal norms in a concrete context, using statutory and conceptual approaches. Data collection was carried out through literature study using primary, secondary and tertiary legal materials. Data analysis uses qualitative descriptive methods. Smart contracts are increasingly widely used, especially in electronic transactions such as stock trading, crypto and hotel reservations. As a form of electronic agreement, smart contracts facilitate the automation of contract processes. However, its use must comply with the law and technology neutral principles in the ITE Law. Even though it is automatic, this technology is recognized as an Electronic Agent in accordance with Article 1 Number 8 of the ITE Law. The validity of these automated contracts is only questioned if it is proven that the automated system is problematic. Smart contracts in Indonesia are recognized in the context of contract law based on freedom of contract and the legal basis of the Civil Code. This recognition occurs because the Civil Code is open and complementary. However, the use of smart contracts must comply with statutory regulations, principles of decency and public order. Regulations governing smart contracts include the ITE Law, PP PTSE, and PP PMSE. These three regulations stipulate the procedures for using electronic contracts, providing a clear legal basis for the implementation of smart contracts.

The researcher is interested and aims to investigate and analyze the mechanism for handling problematic financing implemented by Bank Sumut Syariah, especially at KCP Kota Baru Marelan. This research adopts a type of field research with a focus on phenomena or symptoms that occur in the field related to problematic financing in Sharia Home Ownership Credit (KPR) products provided by PT. Bank Sumut Syariah, especially at the Sub-Branch Office (KCP) Kota Baru Marelan. The results of this research are based on observation and scientific logical analysis of data collected from the field. Based on in-depth discussions, Bank Sumut Syariah, especially at KCP Kota Baru Marelan, has implemented a mechanism for handling problematic financing by paying attention to sharia principles. This process involves proactive communication, involvement of sharia experts, and customer openness. Customers, as represented by Mrs. Nilam Kurnia, gave positive testimony regarding the bank's approach in handling problematic financing.

Learning is the activity of educators and students in transferring knowledge and absorbing knowledge, and learning has the ultimate goal, namely that teachers hope that students will gain useful knowledge in the classroom and have good character after receiving a series of lessons. Learning still focuses on increasing students' understanding gained from the presentation of the material and the teacher's explanations. However, it turns out that learning still cannot be avoided from problems, especially in the field of foreign languages, both experienced by teachers and students. Therefore, researchers focus on discussing problems in learning Arabic. Researchers took the location and samples from Madrasah Ibtidaiyah (MI) Negeri 1 Medan. This research was conducted using qualitative methods by conducting field observations. The researcher's aim is to get points that are problematic in learning Arabic in MI so that they can be used as a reference for educators or prospective educators in finding solutions in the future. The problems that exist in this school are that it is difficult for students to control their emotions considering that they are still children, then when teaching educators only use one method, namely the lecture method, the language they have mastered is minimal, the facilities and media for teaching are lacking. adequate, and the use of Arabic is only applied in class.