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Because interest-bearing deposits are not allowed by Islamic Sharia rules and principles, Islamic banks generally collect deposits in the form of profit-sharing investment accounts. These accounts differ from conventional deposits not only because of the profit-sharing nature of the returns they offer but also because the relationship between the customer and the bank is not a debt contract, so these deposits are not considered 'fixed capital.' (artinya, nasabah dapat menerima hasil negatif atau kerugian). This last characteristic poses serious regulatory issues in jurisdictions where bank deposits are legally required to have a definition of 'certain capital.' In general, the presence of such 'risk-bearing instruments' in the capital structure of Islamic banks complicates the assessment of their capital adequacy. Moreover, the fact that profit-sharing investment account holders are a type of equity investor without the governance rights held by creditors or shareholders poses a significant oversight problem. This article explains these issues in more detail and proposes a solution in the form of a structural distinction between Islamic banks in the narrow sense on one side, and entities managing profit-sharing investment accounts on the other.

This study aims to determine the effect of parenting on the learning behavior of students SMPN 14 Kota Serang. This type of research is qualitative. The sample in this study were students SMPN 14 Kota Serang and their parents who raised them. The data collection method used is a questionnaire. The data analysis technique used is descriptive analysis. The results of the research data on the learning response indicators show that the respondents have a fairly good response in learning, as evidenced by a score of 270. The learning enthusiasm indicator shows that the respondents have very good learning enthusiasm, as evidenced by a score of 348. The responsible indicator shows that the respondent has a very good sense of responsibility, as evidenced by a score of 348. The technical indicator in learning shows that the respondent has excellent learning techniques, as evidenced by a score of 405. The study habit indicator shows that the respondent has a fairly good study habit, as evidenced by a score of 307. The observation and thinking indicator when studying shows that the respondent has fairly good observation and thinking when studying, as evidenced by a score of 283. On the indicator of continuous interaction of parents and children, it shows that the interaction of parents and respondents continuously is quite good, as evidenced by a score of 456. On the indicator of a series of decisions on socialization shows that respondents have a series of decisions that are quite good about socialization, as evidenced by a score of 487 The indicator of the influence of social institutions shows that the respondent has a fairly good influence of social institutions, as evidenced by a score of 283. The indicator of the influence of culture shows that the respondent has a very good cultural influence, as evidenced by a score of 376. parents have quite an effect on student learning behavior. It is proven by the responses of students SMPN 14 Kota Serang with a score of 3563.

Counseling with media can arouse and bring pregnant women into an atmosphere of joy and happiness, where there is emotional and mental involvement. The effectiveness of using counseling media is largely determined by the number of senses involved. The more senses used, the easier it is to understand the counseling message. This study aims to analyze the effect of counseling using audiovisual media on compliance with iron tablet consumption behavior in pregnant women in Bangun Rejo Village, Deli Serdang Regency, North Sumatra Province in 2024. This type of research is an intervention study using a true experimental research design. The design of this study is a pre-test and post-test with control group design. A pre-test was carried out, then an intervention was carried out on the experimental group and the control group, then a post-test was carried out on the experimental group and the control group with a time gap of two weeks. With a sample size of 32 pregnant women in the third trimester using the Wilcoxon test. The results showed an increase in compliance in the counseling group using audiovisual media was greater, namely 43.73 compared to the counseling group that did not use audiovisual media, namely 31.60. The data were then analyzed using an independent t-test with computer software and produced a p-value of 0.000 <0.05. Conclusion: Counseling using audiovisual media can increase compliance in consuming iron tablets compared to counseling alone without using media.

Football is far more than a game; it is a cultural language that brings people together across nations and generations. In Indonesia, this passion for football extends beyond domestic leagues, where local supporters also form strong communities around international clubs. One of these is the Chelsea Indonesia Supporters Club (CISC) Bekasi Region, a collective of Chelsea FC fans who not only share admiration for the team but also nurture social bonds and a sense of belonging within their community. This paper offers a conceptual exploration of how cohesiveness among members of CISC Bekasi contributes to the creation of a positive community image. Building on ideas from scholars such as Mulyana (2016), Collins and Raven (in Arifuddin, 2016), and Muniz and O’Guinn (in Ratnawati & Lestari, 2018), the discussion focuses on the role of group communication in fostering solidarity and collective identity. Within the group, communication is not limited to exchanging information but also functions as a medium for emotional support, shared values, and moral responsibility. The argument put forward is that effective communication and social cohesion can transform a fan club into a respected social group that embodies unity and positive representation. The experience of CISC Bekasi illustrates how sports enthusiasm, when supported by strong interpersonal ties, can encourage inclusive participation and strengthen the public image of football supporter communities in Indonesia.

Earthquakes are one of the most common and potentially devastating natural disasters, especially in countries located along fault lines. Indonesia, which is located on the Pacific Ring of Fire, often experiences earthquakes. Simulations can improve children's disaster preparedness, provide self-confidence, and foster a sense of responsibility. Community service activities were carried out at MTsN Sumba Timur on September 7, 2024 starting at 08.00 -10.00 WITA. The name of the community empowerment program is Earthquake Disaster Preparedness Education and Simulation for MTsN Sumba Timur Students as a form of community service in the East Sumba NTT region, by providing education and understanding of the dangers of earthquakes and how to prevent accidents due to earthquakes, as well as providing simulations to maximize participants' knowledge. The first stage is a pre-test on disaster mitigation. This aims to determine students' initial understanding of earthquake disaster mitigation. There are eight Guttman scale questions containing "yes" and "no" answer choices with one correct answer. Next is the presentation of material on earthquake disaster mitigation supported by the use of power points and animated videos. The material provided is in the form of a disaster preparedness plan that includes an introduction to the types of earthquakes, the impact of earthquakes, what happens when an earthquake occurs, and the stages of efforts to increase preparedness before an earthquake occurs, when an earthquake occurs. and after an earthquake occurs. Community service activities through Earthquake Disaster Preparedness Education and Simulation for MTsN Sumba Timur Students were carried out well and effectively. The suggestions that can be conveyed are 1. Activities like this should be carried out periodically in different locations but are prone to disasters so that Disaster Preparedness efforts can be felt by the community fairly and evenly. 2. Partnerships with other sciences and sectors so that Disaster Preparedness efforts can be evenly distributed in all aspects of community life towards optimal public health.

Rotating Task Program to Replace Memorization Nadzam Stickers to Instill Responsibility Values ​​in Students of At-Taroqqi Karongan Sampang Islamic Boarding School is an effort to shape the character of students through responsibility for memorization of nadzam in the Islamic boarding school. In implementing this activity, students are given the task of rotating to replace memorization nadzam stickers every week which is a symbol of strengthening memorization and discipline. This program aims to instill the values ​​of responsibility, discipline, and cooperation between students, while improving the quality of memorization of nadzam as part of religious education at At-Taroqqi Islamic Boarding School. This activity is expected to have a positive impact on the development of students' character, strengthen their attachment to the values ​​of the Islamic boarding school, and increase their success in memorizing and studying nadzam. The implementation of this program involves supervision from the Islamic boarding school supervisor and active participation from students in every process. Through this program, it is expected that students can develop maturity, a sense of responsibility, and a disciplined attitude that will be useful for their lives in the future.

This study investigates the effectiveness of the Jigsaw cooperative learning model in enhancing fourth-grade students’ understanding of Asmaul Husna in elementary schools. The research employed a pre-test and post-test design, involving an experimental class that applied the Jigsaw method and a control class that used conventional teaching. Data were collected through written tests designed for elementary-level comprehension and observation sheets to record students’ learning activities. The results indicate that the Jigsaw model fosters greater student engagement, encourages collaboration, and facilitates a clearer understanding of the material, as students actively participate in sharing knowledge with peers. In addition, the method nurtures a sense of individual responsibility and improves communication skills among students. The teacher’s role as facilitator proved essential in guiding group interactions and ensuring that learning objectives were met effectively. These findings suggest that the Jigsaw model can serve as an effective alternative strategy for teaching Islamic Religious Education in elementary schools, particularly on topics such as Asmaul Husna that require not only cognitive understanding but also moral application in daily life.

Maritime safety is a critical aspect of military ship operations, where mastery of Ship Salvage Equipment (PEK) becomes a fundamental competency for cadets of the Indonesian Naval Academy (AAL). This research aims to identify and analyze the benefits of knowledge of Ship Salvage Equipment (PEK) for AAL cadets in the context of professional competence development, operational readiness, and leadership character formation. Using a mixed methods approach with a sequential explanatory design, this study involved 312 AAL cadet respondents from three batches (2022-2024) selected through stratified random sampling. Data were collected through structured questionnaires, in-depth interviews, participant observations, and focus group discussions. Data analysis used descriptive and inferential statistics for quantitative data, as well as thematic analysis for qualitative data. The research results show that AAL cadets have a good level of PEK knowledge (score 78.6/100), high self-efficacy (3.68/5), and good operational readiness (3.72/5). As many as 85.6% of cadets acknowledge the very high benefits of PEK learning. The five main themes of benefits identified include: the development of operational technical competencies (37.2%), the enhancement of leadership abilities in critical situations (24.8%), the formation of mental resilience (18.9%), the development of quick decision-making skills (11.4%), and the improvement of a sense of responsibility for safety (7.7%). Cadets with good PEK knowledge demonstrate superior performance with a response speed 32 seconds faster, an error rate 23.4% lower, and an emergency communication score 18.2% higher. Factors influencing the effectiveness of PEK learning include the quality of instructors and teaching methods (β = 0.34), the frequency and variety of emergency simulations (β = 0.28), which together can explain 74.8% of the variance in learning effectiveness. This study provides recommendations for intensifying practical training, improving instructor quality, standardizing the curriculum to integrate technical and leadership aspects, and conducting continuous evaluations of the PEK learning program.

The role of the mosque as a space for contemplation amidst the busy urban life. Mosques do not only serve as places of ritual worship, but also as spaces for spiritual reflection that help Muslims find inner peace. The simple and calming architecture and layout of the mosque provide a spiritual atmosphere that supports contemplation and mental tranquility. The purpose of this research is to explain the role of the mosque as a place of contemplation for individuals seeking peace amidst the activities and pressures of daily life. This research uses a literature review method with a tahlili interpretation approach to analyze relevant sources from the past 8 years. The research results prove that the main factors helping individuals achieve inner peace are practices such as dhikr, congregational prayers, and a solemn atmosphere during prayers. Spiritual activities in the mosque provide an opportunity for congregants to momentarily detach from worldly pressures and focus on their relationship with Allah, which significantly enhances their sense of peace and tranquility.

Catholicism plays an important role in shaping children's faith character, which aims to regulate children's identity and morals in accordance with Christian teachings. This research takes the example of daily prayer practices at the St. Mikhael Ohoilim Station, where the researcher directly saw the lack of teaching and training in daily prayers at the station and its influence on the formation of children's faith character. The research method used is qualitative where data is collected through observation. This research was carried out while carrying out an internship or KKN for approximately six months starting from January to June at the Station in accordance with the rules made by a particular institution or campus. The research results show that daily prayers not only function as a means of communication with God, but also as an effective educational tool in forming religious values, discipline and a sense of responsibility in children.

The Indonesian nation is a nation which is often called a multicultural nation, in which there are various religions, ethnicities, races, even languages ​​and cultural customs. This research was conducted so that readers realize that living amidst a diverse society is not easy, so it is necessary to have a sense of love and tolerance within oneself to produce harmony. This is in line with the basic Christian faith in love and harmony. Then what is the role of Christian Religious Education in maintaining tolerance in diverse communities, for example, from religion, ethnicity, culture and so on.

This study aims to describe the Development of Civic Skills Through the Pancasila Student Profile Strengthening Project (P5) Based on Banten Batik Local Wisdom for Students at SMPN 1 Serang City. This study uses a quantitative approach and a descriptive approach. Practical activities carried out, such as batik making and exhibitions, provide direct experience that improves students' communication, cooperation, and leadership skills. This study found that the integration of local wisdom in learning can develop students' civic skills, build a sense of social responsibility, and increase awareness of the importance of active participation in society. The results of this study describe that in the implementation of the Pancasila Student Profile Strengthening Project (P5) Based on Banten Batik Local Wisdom consisting of three stages, namely planning, implementation, and evaluation, SMPN 1 Serang City has implemented Civic Skills.

Modern life balance is an increasingly complex challenge in the era of globalization and digitalization. Amidst the pressures of work, social life, and spiritual needs, the concept of angels in religious traditions offers a unique perspective for understanding the harmony of life. This research aims to explore the symbolic and spiritual role of angels in supporting the concept of balance in modern life, both personally and socially. The approach used in this research is a qualitative method with literature analysis and in-depth interviews with individuals from various religious and cultural backgrounds.but also as a symbol of moral and spiritual inspiration that is relevant to the challenges of modern life. Respondents revealed that belief in angels provides a sense of peace, motivation to act better, and awareness of social responsibility. In a modern context, angels are considered a reminder of the importance of harmony between the material and spiritual dimensions of life.This research concludes that the concept of angels can be a relevant approach in supporting the balance of modern life, both as an inspiration for spiritual values ​​and as a symbol of moral motivation in facing the dynamics of contemporary life. These findings contribute to the study of modern spirituality and open opportunities for further discussion about how religious elements can contribute to human well-being in the modern.

Snepac Shipping Batam is a shipping company engaged in the field of agency services. In the sense of a representative of (Shipping agency) for the management of ship documents and the management of ship needs at the destination port. In compiling this paper the author uses several methodologies during the land practice, namely the field method (field research) and the library method (library research). To find out and get closer to how the shipping company PT. Snepac Shipping Batam carries out ship service activities according to ship needs at the port. This paper aims to find out the implementation of the host to host system for port service payments at the BP Batam office. BP Batam is the Batam Sea Management Agency where BP Laut Batam is an agency that plays an important role in handling ships entering the Batam port area which provides a port as a place for ships to carry out activities both in the loading and unloading process or ship guidance and towing activities. Under the supervision of BP Laut Batam, this agency has an important role in regulating everything related to the port, starting from regulating port costs which include mooring, guiding and towing costs needed by the ship.

Social attitudes are activities in relationships with other people, whether with peers, teachers, parents, or siblings. In relationships with other people, very meaningful events occur in his life that shape his personality, which helps him develop into the human being he is. As an educator, cultivating social attitudes in students is very important so that students have the attitude to build relationships with other people in everyday life. Based on this phenomenon, the researcher took research at MTs Negeri 6 Blitar as the object of research with the aim of finding out how social studies teachers' strategies are in cultivating social attitudes in students. The formulation of the problem in this research is: (1) What is the social studies teacher's strategy in determining changes in student behavior and personality at MTs Negeri 6 Blitar? (2) What is the social studies teacher's strategy in cultivating students' social attitudes at MTs Negeri 6 Blitar? (3) What are the results of the social studies teacher's strategy in fostering students' social attitudes at MTs Negeri 6 Blitar? This research uses a descriptive-qualitative approach. The research location is at MTs Negeri 6 Blitar. The data sources in this research use primary and secondary data. Data collection techniques in this research used three techniques, namely, in-depth interviews, observation, and documentation. The data that has been collected is then analyzed through data collection, data reduction, data presentation, and drawing conclusions. The results of the research show that: (1) Implementing behavioral changes at MTs Negeri 6 Blitar starts from class VII students by getting used to: first making a greeting picket schedule after coming to school in the morning, holding the habit of doing dhuha prayers in congregation for all students and teachers, carrying out community service to clean the environment every Friday in mutual cooperation, familiarizing students with literacy, carrying out homeroom clinics to minimize mistakes made by students so that they can be minimized by each homeroom teacher, and teaching students good manners to respect parents, teachers, friends, and other people. Another thing is to get used to reading the Asmaul Husna before starting learning. (2) Developing students' social attitudes at MTs Negeri 6 Blitar by holding a program: they must collect social funds every Friday as sincerely as possible to help less fortunate friends. If they have damaged shoes, they can't afford them; the school buys the shoes using these social funds; treats friends. who are sick while at school; visits friends who are sick; works together to clean the classroom once a week so that students have the social spirit to care about dirty classrooms; picking up rubbish on the floor before starting learning can foster social attitudes by having a sense of caring about the surrounding environment. (3) The results of the teacher's strategy in cultivating students' social attitudes at MTs Negeri 6 Blitar make students more able to appreciate and respect other people, make students have a religious spirit by getting used to praying dhuha in congregation every morning and reading Asmaul Husna before starting social studies learning, make students more caring with the cleanliness of the surrounding environment because of cleaning activities on Fridays, make students love reading by holding literacy, make students more organized and minimize mistakes with the homeroom clinic, and foster a high social spirit with the existence of social funds every Friday and distributing These funds are properly used to buy necessities for underprivileged students, treat friends who are sick while at school, and visit friends who are sick.

The application of main and additional criminal witnesses in the PTPK Law has become firm with the existence of legal norms for the return of state financial losses that do not eliminate the criminalization of the perpetrators of criminal acts but only factors that alleviate punishment. This is important so that there is no disparity in punishment. And likewise punish paying restitution if the act is committed jointly, so that a sense of justice occurs,The research method used is normative juridical. Which type of data used is primair legal material obtained from all publications on law, literature that is not an official document. Publications about the law include, among others, the internet, textbooks, law journals, articles, comments, court regulations and other sources; The types of criminal sanctions in the PTPK Law, namely in the form of principal punishment and additional punishment in the form of restitution, are closely related. Aspects of the amount of state financial losses, aspects of the perpetrator's guilt, aspects of the benefits obtained by the perpetrator, the impact caused by the perpetrator and the return of losses made by the perpetrator. Such is the case in imposing additional punishment in the form of paying restitution. In the PTPK Law, the amount of restitution is interpreted as “not merely assessing state financial losses, but assessing how much money is actually received by the perpetrator”, so that the imposition of restitution is in accordance with objective and proportional principles. Likewise, the imposition of restitution in the case of corruption crimes committed jointly and tried simultaneously, the additional restitution cannot be imposed jointly.

Along with the times and advances in technology, entrepreneurship has become an important pillar in economic growth. Entrepreneurship not only creates jobs, but also utilizes existing natural resources effectively. However, many people fail in starting a business because of the wrong mindset, a sense of personal limitations, and an inability to adapt to changing times. This article discusses the importance of having the right mindset, or mindset, in running a business. A growth mindset, which describes the belief that intelligence and skills can develop through effort and experience, is considered essential for entrepreneurial success. Meanwhile, a fixed mindset that views ability as something that is fixed can hinder progress. A positive and optimistic mindset is a key factor in facing entrepreneurial challenges. Entrepreneurs who think positively tend to see difficulties as opportunities to learn and grow, while those who are optimistic have higher motivation and are more resistant to pressure. Apart from that, creativity and innovation are aspects that are no less important, because entrepreneurs must be able to create products or services that can meet market needs and adapt to changes. Entrepreneurship also requires mental perseverance to face failure and unexpected challenges. A successful entrepreneur must have a tenacious, creative, hardworking attitude and dare to take risks. With a combination of these traits, entrepreneurs can achieve long-term success in their businesses. This article emphasizes that the right mindset, coupled with an innovative attitude and perseverance, greatly influences the journey and success of an entrepreneur.  

This study investigates the impact of globalization on the citizenship curriculum in Indonesian schools. As globalization integrates and connects diverse cultures, it has significantly influenced educational systems, including how citizenship is taught. This research examines changes in the citizenship curriculum through document analysis and educator interviews, assessing how these changes affect students' understanding of national identity. The findings reveal that while globalization provides opportunities to broaden students' global perspectives, it also poses challenges in balancing global values with the preservation of national identity. The study recommends incorporating global elements into the curriculum while maintaining a strong emphasis on local context to develop well-rounded citizens with a robust sense of national identity.   Keywords:, ,, 

Mosques have a very important role in the lives of Muslims, not only as places of worship, but also as a source of spiritual security. As centers of religious activity, mosques provide a conducive environment for the development of faith and piety. In this context, the mosque functions as a protector from negative influences that can disrupt the spiritual stability of individuals and communities. This research aims to examine the function of mosques as places of spiritual security. In the midst of the onslaught of information and moral challenges facing modern society, mosques are the first fortress that protects people from destructive influences. In it, pilgrims can find calm and peace, as well as strengthen social ties between community members. Worship activities, recitations and religious discussions in mosques contribute to deepening spiritual and moral understanding. Through a qualitative approach using heritage study methods, this research explores the role of mosques as places of spiritual refuge which is also reflected in the practice of congregational prayer. This activity not only strengthens a sense of togetherness, but also builds discipline in worship. This discipline is important for forming an individual's character of obedience and integrity, making him more resistant to worldly temptations. The research results show that the mosque functions as a place of education and dissemination of Islamic values. Through educational and da'wah programs, mosques can create awareness of the importance of morality and ethics in everyday life. This functions as a shield against deviant behavior that can threaten societal harmony.

Probative value refers to the extent to which the evidence provided is able to prove the facts being disputed. Evidence may be relevant in the sense that it relates to the case at hand, but relevance alone does not guarantee that the evidence will be well received or considered to have a significant influence. This study uses a qualitative research method with a conceptual approach. The data collection method was collected using library research, then analyzed using qualitative methods and presented descriptively. The results of the study show that the process of proof in criminal law plays a central role in upholding substantive justice. Evidence not only functions as a mechanism to test the truth of claims or accusations brought in court, but also as a tool to protect the human rights of the accused by ensuring that everyone is considered innocent until proven otherwise. Failure to assess probative value can lead to serious injustice in the form of wrongful conviction or wrongful acquittal. To address this problem, it is necessary to increase technical literacy among legal practitioners, as well as the application of more careful procedures in testing the validity and reliability of evidence.