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The development of information technology that is currently developing serves to facilitate, accelerate, benefit and provide other alternatives for people who have businesses and have a big influence in the future. One of the things that is very influential is the sale of MSMEs. MSMEs are productive businesses owned by individuals or business entities that have met the criteria as micro businesses that have an important role in the economy because they provide employment, encourage local economic growth, and create innovation. MSMEs still face challenges such as limited access to financing, digital readiness, and marketing access that hinder the development of MSMEs. Therefore, it is necessary to take action to predict MSME sales in Binjai City using the backpropagation method so that later it can create new innovations and encourage community economic growth. Based on the process carried out using the backpropagation method, it can be seen that the value obtained has reached more than the predetermined target with a target value (t) of 0.26, learningrate 0.2, maximum epoch 10000 target error 0.01.

This study aims to understand how the KUR financing mechanism using murabahah contracts is implemented by Bank Syariah Indonesia and its role in the development of micro enterprises. The research approach used is qualitative with a descriptive method. Research data was collected through in-depth interviews, direct observation, and documentation. The results of the study show that the murabahah contract is effectively applied in KUR financing at Bank Syariah Indonesia KCP Mojokerto Mojosari. This agreement allows banks to buy goods needed by customers and then sell them to customers with an agreed profit margin. The implementation of this murabahah contract provides an alternative financing that is in accordance with sharia principles, thus attracting the interest of micro entrepreneurs who want to avoid usury. In addition, this financing mechanism has also been proven to help increase production capacity and the economic welfare of micro business owners. This study found that the implementation of KUR financing through murabahah contracts at Bank Syariah Indonesia KCP Mojokerto Mojosari contributed significantly to the development of micro businesses. Micro-entrepreneurs who obtain this financing can expand their business, improve product quality, and expand the market. Thus, this financing not only helps in the provision of working capital but also encourages local economic growth.    

Increasing the performance of small businesses can be done by using several elements such as coaching and supervision. Mudharabah financing is very suitable for micro businesses. Therefore, mudharabah financing is expected to play a role in developing micro business performance. This article was written based on a literature review of previous literature and research in the field of sharia financing to develop a model. There are several factors that support the success of mudharabah financing at BMT in developing micro business performance.

This study aims to determine the effect of fiscal decentralization financing sources on poverty levels. This study covers areas in Jambi Province using secondary time series data for the period 2007-2016. This study uses Multiple Regression Analysis. Fiscal decentralization financing sources of local revenue and balancing funds do not have a significant positive effect on poverty levels in Jambi Province, while other legitimate incomes have a positive and significant effect in Jambi Province from 2007-2016. The effect of fiscal decentralization financing sources (PAD, DP, PL) on poverty levels in Jambi Province is 80.2%, while the remaining 19.8% is influenced by other factors not included in this study. And there is a strong relationship between fiscal decentralization and poverty levels of 89.6%.

The research aimed to Emphasise the significance of the statement of cash flows developed by the International Accounting Standards Committee (IASC) and the International Accounting Standards Board (IASB) and Understand the concept of documented accounting information and Highlighting financial fraud and how to minimize it. The research problem was as follows from the fact that the financial statements, which do not contain the basic characteristics of accounting information, including reliability, will reduce the degree of reliance on them, which affects those lists prepared by financial institutions (banks) operating in Iraq that not taking into account the preparation of the cash flow statement will inevitably reduce the reliability of accounting information, resulting in misleading accounting outputs that will be a door to financial fraud in its various forms. Hence, the main research problem is the following question: Does enhancing the reliability of accounting information according to the preparation of the cash flow statement reduce financial fraud? The research reached many conclusions, the most important of which are International accounting standards can be said to be a written statement issued by an authorized body aimed at unifying and coordinating accounting treatments and policies to reach unified results for a set of financial transactions for ease of comparisons and understanding by the relevant parties. The statement of cash flows works to provide historical changes in financial institutions and others through and for a specific period of time and these flows are either operational, investment or financing for their various activities. The research reached many recommendations, the most important of which are: Emphasis on the different economic units to prepare a statement of cash flows because of the information it provides on historical changes in the different economic units and their quality, whether operational, investment or financing.

This research examines the implementation of musyarakah contracts in the Islamic banking system in Indonesia. The main focus of the study is to analyze the implementation mechanisms, challenges faced, and development strategies of musyarakah contracts. Using a qualitative approach with a descriptive-analytical method, this research combines primary data from in-depth interviews with Islamic banking practitioners and secondary data from literature studies. The results show that although musyarakah contracts have great potential in realizing economic justice, their implementation still faces several obstacles, including operational complexity, risk management, and limited public understanding. This study finds that most musyarakah practices are in compliance with sharia principles, but still require improvements in aspects of risk sharing and loss management. The proposed development strategies include enhancing education, strengthening regulations, product innovation, and technology utilization. In conclusion, optimizing musyarakah contracts requires collaborative efforts from various stakeholders to overcome challenges and harness its potential in promoting fair partnership-based economic growth.

The purpose of this research is to evaIuate PT. Pabrik Kertas Tjiwi Kimia Tbk's financial performance from 2021 to 2023 utilizing the Iiquidity, soIvency, and profitabiIity ratios. The study's methodology is quantitative descriptive and makes use of descriptive statistics for data analysis. This study's quantitative approach combined with documentation methodologies collects data from PT. Pabrik Kertas Tjiwi Kimia Tbk's yearly financial reports. The annual financial report for the years 2021–2023 is the financial report that was utilized. According to the study's findings, the company's financial performance, as determined by calculating the Iiquidity ratio (current ratio and quick ratio), indicates that it is less liquid and hence less excellent, as seen by its inability to pay off its short-term loans. The firm is deemed to be in excellent financial standing based on the analysis of its solvency ratios, which incIude the debt to equity and debt to asset ratios. Additionally, the company's financing is entirely derived from debt. The profitabiIity ratios, which incIude net profit margin, return on equity, and return on assets, indicate that the firm is not making the most profit possible.

This research is motivated by an interesting phenomenon in the field where it is difficult for Sharia Banks to maintain customer loyalty because many customers switch to other banks due to the public's lack of knowledge of Sharia Banking. This research aims to find out the strategies or methods used by Bank Syariah Indonesia KCP Bukitinggi Sudirman in maintaining consumer loyalty so that consumers do not move to other banks which has an impact on decreasing financing achievements and collections can decrease, so an analysis of the strategies implemented by Bank Syariah KCP is needed. Bukitinggi Sudirman using SWOT analysis, namely strengths, weaknesses, opportunities and threats. This research is descriptive qualitative in nature and data collection methods are interviews, observation and documentation. Meanwhile, the technical data analysis used by researchers is SWOT analysis, IFE Matrix analysis, EFE Matrix, SWOT Matrix and Score Weight Table analysis. From the results of the research carried out, the strategy that can be implemented in maintaining consumer loyalty at BSI KCP Bukitinggi Sudirman is by using the SO strategy, namely offering a competitive ratio or profit sharing value based on special banking regulations for sharia banks and the strength of the LPS (deposit insurance agency), improving quality. services, socializing bank products (financing) so that they are more easily understood and accepted by the public.

This study analyzes the impact of Corporate Social Responsibility (CSR) initiatives by PT Bank Rakyat Indonesia (Persero) on the development of Micro, Small and Medium Enterprises (MSMEs) in Indonesia by 2024. Using a qualitative research approach with in-depth interviews and direct participatory observation of MSME stakeholders who benefit from BRI's CSR programs, the study reveals significant positive results. CSR interventions not only enhance the capacity and competitiveness of MSMEs but also improve their access to financing. Furthermore, the research highlights the broader social and environmental impacts of BRI's CSR, confirming its role in encouraging sustainable business practices among MSMEs. The research findings show strong synergies between BRI's CSR efforts and local government support, which enhances the program's effectiveness and reach across different regions of Indonesia. This research underscores the critical role of CSR in driving inclusive economic development and sustainable growth in Indonesia, advocating for continued support and refinement of CSR strategies as a key driver of economic empowerment and environmental stewardship.

The artisanal shipping industry in Indonesia, particularly in Batam and Tanjungpinang, has experienced significant stagnation and decline due to the aging fleet and fleet extinction. The background of this study is based on the importance of the artisanal shipping industry in supporting the local and national maritime economy, as well as the major challenges facing the sector in maintaining efficient and sustainable operations. The purpose of this research is to analyze the juridical factors that cause the non-development of the people's shipping industry in the area, as well as identify legal measures that can support the development of this industry.  The research method applied combines normative and empirical approaches through case studies in Batam and Tanjungpinang. Data was collected through in-depth interviews with boat owners, fishermen, government officials, and maritime law experts, as well as analysis of relevant documents. The research integrates John Austin's positive law theory, Lawrence M. Friedman's legal system theory, and systems theory to analyze interactions within the maritime legal system. The results show that burdensome regulations, lack of access to financing, declining competitiveness, as well as environmental impacts and socio-economic factors are the main causes of the underdevelopment of the community shipping industry. Strict regulations and high operational costs make it difficult for small boat owners to comply with regulations, while limited access to financing hinders fleet rejuvenation and upgrades. An aging and inefficient fleet lowers the industry's competitiveness, and environmental pollution from old vessels worsens operating conditions. Suggestions include revising regulations to simplify and reduce administrative burdens, providing accessible financing and subsidy schemes, improving port infrastructure, and training and certification programs for ship owners and crew. In addition, international cooperation is also needed to adopt technology and best practices in the shipping industry. The implementation of these recommendations is expected to support the development of the small-scale shipping industry in Batam and Tanjungpinang, improve competitiveness, and make a greater contribution to Indonesia's maritime economy.    

This study aims to analyze the significant influence of compensation, work environment, and workload on the job satisfaction of employees at the Sharia Savings and Loan Cooperative and Financing BMT Muamalat Jumapolo. This research uses quantitative data, with primary data sources. The population in this study consists of 97 employees of the Sharia Savings and Loan Cooperative and Financing BMT Muamalat Jumapolo. The sampling technique used is a census technique, so the entire population is used as the sample. The data analysis techniques used in this study are descriptive analysis, multiple linear regression analysis, t-test, F-test, and coefficient of determination (R2).The results of this study indicate that compensation (X1) does not have a significant influence on the job satisfaction of KSPPS BMT Muamalat Jumapolo employees. The work environment (X2) does not have a significant influence on the job satisfaction of KSPPS BMT Muamalat Jumapolo employees. Workload (X3) has a significant influence on the job satisfaction of KSPPS BMT Muamalat Jumapolo employees. The F-test results show a significant value of 0.000, meaning the model is appropriate for predicting the influence of compensation, work environment, and workload on job satisfaction. The R2 test results indicate that 37.1% of the variation in job satisfaction is explained by these variables, while the remaining 62,9% is explained by other variables outside the model, such as leadership style, work stress, organizational culture, and work discipline.

This study aims to determine the influence of the Influence of Money Supply, Inflation and Rupiah Exchange Rate on Murabahah Financing Margin in Indonesia Sharia Banks throughout Indonesia from 2013-2022. The type of research conducted is quantitative research. The method used in this study used the analysis of the Vector Auto Regression model of the VECM model and a data tool processed using Eviews 10. The data used is secondary data taken through the official website of the Central Statistics Agency (BPS) for a period of 10 (ten) years from 2013-2022. Based on the results of the study, it is known that the results of the Vector Error Correction Model (VECM) test of this study show that only the variables of the Money Supply and the Rupiah Exchange Rate have a positive and significant impact, while the influence of the Inflation variable on Murabahah Financing Margin (Case Study of Bank Syariah Indonesia in 2013-2022) in the short term has a positive and insignificant impact. The Effect of Money Supply and Inflation on Murabahah Financing Margin has a positive and significant impact, while the influence of the Rupiah Exchange Rate variable on Murabahah Financing Margin in the long term has a negative and insignificant impact. 

Based on the existence of a sharia pawnshop product called ARRUM BPKB which is specifically intended for UMKM (Usaha Mikro, Kecil dan menengah/Micro, Small and Medium Enterprises) who need additional capital. However, in the pawning process, the customer must pay the maintenance fee for the pawned goods or what is called mu'nah. Because of this additional cost in the process of maintaining the pawn item, there is an opinion that says that the additional maintenance costs contain riba. Therefore, the aims of this study is  to find out how the determination of mu'nah (maintenance costs for pawn items) and the suitability of the determination of mu'nah based on Fiqh Muamalat. This research is Qualitative research with the type of case study. In this research, the analysis of various factors related to this problem was carried out. This research used an approach through observation to Pegadaian Syariah Kramat Raya, Central Jakarta. The primary sources in this study is the data collected by researchers from Sharia pawnshops, such as documents and interviews, while secondary sources in this study is relevant literature. The results of this study indicate, 1) the determination of mu'nah on ARRUM BPKB products in sharia pawnshops is by considering the risk amount of the guarantee itself. 2) Mu'nah determination on BPKB ARRUM products for UMKMs in Sharia Pawnshops is in accordance with Fikih Muamalah and Fatwa Number 92 / DSN-MUI / IV / 2014 regarding accompanied financing (Rahn Al-Tamwil Al-Mautsuq bi Al-Rahn) that mentions mu ' nah (maintenance or guarding services) for marhun, the amount of which must be determined at the time of the contract as referred to as ujrah in the  ijârah contract.

  This research is motivated by the increasing population in Indonesia which will further increase the need for housing in the future. This study aims to analyze the influence of marketing mix on customer decisions to choose BSI Griya at BSI KCP Natar bank. The method used is a quantitative method. Using primary and secondary data. The population of this study were BSI KCP Natar Bank customers who took BSI Griya financing products as many as 86 respondents with calculations using the slovin formula. The data collected were analyzed using multiple linear regression methods assisted by SPSS 25 software. The results showed that all Marketing mix variables (Product, price, location, promotion, employees, physical evidence, and process) had a positive and significant effect with a significance value <0.05. Product has a significance value of 0.00 <0.05, Price significance value of 0.00 <0.05, Location significance value of 0.00 <0.05, Promotion significance value of 0.001 <0.05, Employees significance value of 0.00 <0.05, Physical evidence significance value of 0.00 <0.05, Process significance value of 0.00 <0.05. and the calculated F value of 1034.606> 2.129 with a significance of 0.00 so that the Marketing mix (Product, price, place, promotion, people, physical evidence, and process) simultaneously has a significant positive effect.

This research aims to: (1) determine the effect of qardhul hasan financing on the economic growth of the people of Padang Garugur Jae village, Aek Nabara Barumun District, Padang Lawas Regency. (2) find out whether there is a significant influence between qardhul hasan financing on the economic growth of the people of Padang Garugur Jae village, Aek Nabara Barumun District, Padang Lawas Regency.  Based on the research results, it can be concluded that: 1) The influence of qardhul hasan financing on empowering the economic growth of the Padang Garugur Jae village community, Aek Nabara Barumun District, Padang Lawas Regency can be seen from the results of the t-test on the qardhul hasan financing variable, tcount<ttable or 1.047<2.007 which shows Ho is rejected and Ha is accepted. The decision to reject Ho means that there is a significant positive relationship or influence between qardhul hasan financing and the economic growth of the Padang Garugur Jae village community. 2) The significant influence of qardhul hasan financing on the economic growth of the people of Padang Garugur Jae village, Aek Nabara Barumun District, Padang Lawas Regency can be seen from the results of the influence percentage of 82.7%. This shows that this financing has contributed greatly to the economic growth of the Padang Garugur Jae village community, especially small and medium businesses.

Tanjung Harapan Village has various potential natural and human resources that can be optimized to increase PAD. However, Tanjung Harapan Village faces various challenges in optimizing the potential of natural and human resources in the village. The problems faced include limited resources, low capacity of village officials. Therefore, this research aims to analyze the strategies implemented by the Tanjung Harapan Village government in an effort to increase PADes. This research aims to analyze the strategies implemented by the Tanjung Harapan Village government, Singkep District, Lingga Regency, in  an effort  to increase  Village  Original Income (PADes).  Highlighting  the importance of PADes as a source of financing for village development and improving community welfare. This research uses a descriptive method with a qualitative approach.  Data collection was carried out through in-depth interview techniques with village officials and community leaders, participatory observation of village resource management activities, as well as documentation studies related to village financial policies and reports. The data obtained was analyzed using qualitative analysis techniques which included data reduction, data presentation, as well as drawing conclusions and verification to ensure the validity of the findings. The results reveal that the Tanjung Harapan Village government has implemented several main strategies to improve PADes, namely optimizing natural resources through more effective management, increasing the capacity and competency of village officials through training and continuous education.

Credit risk is a risk that occurs due to the failure of customers or other parties to fulfill their obligations to the bank. Credit risk is the risk of possible losses as a result of non-repayment of credit provided by the bank to debtors (Natasia 2014). The higher the credit risk of a bank, the greater the number of problem loans. Credit risk can be measured by the Non Performing Financing (NPF) ratio. Nugraha 2018) Non Performing Financing or commonly abbreviated as NPF is the ratio between problematic financing and total financing disbursed by sharia banks. Nuha (2016) Non Performing Financing (NPF) is a comparison of problematic credit/financing with the total credit/financing provided. The higher the NPF ratio indicates a bank's inability to manage its problematic credit/financing, this will reduce the level of confidence of a bank in carrying out business activities. Problematic financing consists of substandard, doubtful and non-performing financing.

The banking industry has a very important role in a country's economy. One of the things related to the banking sector is operational activities towards the environment. The increasing environmental damage that occurs is a form of human indiscipline in managing natural resources. Therefore, efforts that banks can make to implement environmentally friendly practices in their operational activities are green banking by considering the 5P aspects, namely People, Planet, Partnership, Peace and Prosperity. Even though banks do not contribute directly to environmental pollution, sectors that carry out business activities cannot possibly operate if they do not have capital to finance their operations and one of the financial institutions that provides capital in the form of financing is banks. So, indirectly banks play an important role in environmental sustainability. This research aims to investigate the impact of green banking on financial inclusion and the growth of Islamic banking in Indonesia. The data analysis method employed is the Seemingly Unrelated Regression (SUR) method. The research approach is associative/quantitative, utilizing secondary data obtained and processed from annual reports and sustainability reports available on the official websites of the respective companies. Additionally, references from scientific journals and previous studies on selected Islamic banks are used. The sample includes PT. Bank Central Asia Sharia Tbk, PT. Bank KB Bukopin Syariah Tbk, PT. Bank Mega Syariah Tbk, PT. Bank Muamalat Indonesia Tbk, PT. Bank Panin Dubai Syariah Tbk, and PT. Bank National Retirement Savings Account Sharia Tbk, covering the period from 2019 to 2023.

The purpose of this study is to analyze the effectiveness of green financing in sustainable financing for home industry players in Pematang Serai Village. Green financing is a financing scheme or lending to business actors that is environmentally friendly. Based on Government regulations to be able to receive financing with a green financing scheme. To achieve industrial, social and economic advantages to reduce the threat of global warming and prevent other environmental and social problems, the goal is to shift the goal to a competitive low-carbon economy, so that it can strategically promote environmental investment in various areas of business/economy. The research data is sourced from the results of interviews with industrial homes in Pematang Serai Village, Tanjung Pura District, Langkat Regency, North Sumatra Province. as borrowers/customers of the Green Financing Program with the help of questionnaires so that the questions in the interview are more systematic. Sampling was carried out using proportionate random sampling technique. The data analysis used was: Descriptive Statistical Analysis and Binary Logistic Regression Analysis. The results of the study explained that green credit and green technology partially did not have a significant effect on green finance in Pematang Serai Village, Tanjung Pura District, Langkat Regency, while green product innovation partially had a significant effect on green finance in Pematang Serai Village, Pematang Serai Village, Tanjung Pura District, Langkat Regency.

PT Mitra Gadai Kepri is one of the Private Pawnshops in Batam City which is licensed by OJK to provide financing products. However, the business of financing activities carried out often occurs Default, especially with Fiduciary Guarantees. Based on the description in this thesis, the problems to be studied are: 1)How is the Legal Arrangement Related to the Settlement of Default Debtors with Fiduciary Guarantees at PT Mitra Gadai Kepri in Batam City. 2)How is the Implementation Related to the Settlement of Debtor Default with Fiduciary Guarantee at PT Mitra Gadai Kepri Partner in Batam City. 3)What Factors are the Obstacles / Constraints and Solutions Related to the Settlement of Default Debtors with Fiduciary Guarantees at PT Mitra Gadai Kepri in Batam City. The method in this research is Normative Legal research supported by empirical research. Therefore, the Legislation and Conceptual approach will be carried out. Used in data collection in this research with Interviews and Literature Studie. The results of the study concluded that consumers who default with fiduciary guarantees due to low understanding of financial literacy. As well as not knowing the existence of regulations governing the protection of consumers and the public in the Financial Services Sector in resolving defaults with fiduciary guarantees. Suggestions in this study are that the OJK and Financial Services Business Actors must increase Financial Literacy and Inclusion in the wider community and include the government in eradicating illegal financial services. Financial Services Business Actors must analyze the ability to pay prospective customers in order to minimize defaults, especially with fiduciary guarantees and must resolve defaults in accordance with applicable regulations. And an appeal to the public to be wiser and more selective in choosing financial service products and institutions that provide these services.