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A gift is a present made voluntarily by someone to another person without compensation or expecting anything in return except to get closer to Allah SWT, which results in the transfer of ownership from the giver to the person given. Giving gifts is a natural thing in deposits in Islamic financial institutions that use the wadi>`ah yad d}ama>nah contract. Therefore, this study analyzes the giving of prizes to Simjakasya products with prizes at the beginning based on the DSN-MUI Fatwa Number 86/DSN-MUI/XII/2012 concerning Prizes in Fundraising for Islamic Financial Institutions at BMT NU Ngasem, East Java. This research is a type of field research using qualitative methods. The data sources used are ptimer data sources and secondary data sources. Methods of data collection by way of observation, interviews, and documentation. The research location is at BMT NU Ngasem, East Java. The results of this study indicate that the concept of giving gifts in Simjakasya products with early prizes at BMT NU Ngasem, East Java, there are several things that conflict with the DSN-MUI Fatwa Number 86/DSN-MUI/XII/2012 concerning Prizes in Fundraising for Islamic Financial Institutions. These things are the types of gifts that have been determined and promised beforehand, as well as the custom of BMT to use this concept in every transaction which is a form of custom.

Sharia pawning is called rahn in Islamic law where the meaning is a contract with the detention of valuables as collateral for debts carried out by sharia pawnshops. In my opinion, as a writer, this sharia gold mortgage is the best choice when there are pressing financial matters. This is what makes the author interested in the topic of sharia gold pawning to be studied more deeply. This study discusses the description of the pawnshop itself and the conditions and procedures for pawning gold in sharia at the UPS Mandailing Natal pawnshop. The method used in this study is descriptive qualitative problem approach used is direct interviews and observations. The data used is secondary data including primary, secondary and tertiary data. All data was collected through interviews with managers and service users at UPS Mandailing Natal Sharia Pegadaian as well as literature study. All data is processed by examining data and data settings and then analyzed. The procedure uses a rahn contract and an ijarah contract. Factors that make Islamic Gold Pawning a solution for the lower middle class in Mandailing Natal Regency are because there is no usury or interest and it is more cost-effective as well as collateral items are safer.

Bananas are easily damaged so their durability is very limited. By processing bananas into sangcok it is quite profitable, so that it is used as a side business by the community as an additional income. This study aims to (1) analyze the characteristics of entrepreneurs and business profiles of sangcok (2) availability of raw materials, production technology, use of inputs, costs, income, efficiency and added value of the sangcok agro-industry. The raw material for making sangcok is kepok bananas. Entrepreneurs obtain raw materials for bananas by buying them directly at the market. The results of this study are the marketing plan implemented by the sangcok business, namely in terms of products, always maintain good product quality and the materials used are also halal, the prices applied are also affordable according to what was ordered, a less strategic place does not discourage culinary lovers from continuing to buy sangcok, and promotion strategies are carried out through online and offline media, promoting more through online media, although in doing promotions, honesty is emphasized and not badmouthing other businesses. The conclusion from this study is that the marketing plan carried out in the sangcok business is in accordance with an Islamic perspective. Related marketing plans such as product, price, promotion and place are also based on the Koran, hadith and the practice of the Prophet Muhammad in conducting marketing.    

Islam Nusantara is a model of thought, understanding and practice of Islamic teachings packaged through considerations of culture or traditions that developed in the Southeast Asian region (but this study is limited to Indonesia), thus reflecting a methodological nuanced Islamic identity. When this identity was disseminated among Muslims, especially its thinkers, it was responded with controversial responses: some rejected the Islamic Nusantara identity because there was only one Islam, namely Islam taught by the Prophet. On the other hand, many Islamic thinkers who accept Islamic identity cannot be separated from that, Islam Nusantara is a part of acculturation as a carrier of Islamic teachings through the acculturation of existing cultures so that Islam Nusantara is present, none other than to broadcast the Islamic religion through peace between culture and religion.

Sexual crimes against minors are increasingly prevalent and are even at an alarming stage, so that the Government deems it necessary to take a stand. This type of research is field research. Field research research. namely a research that is carried out systematically by raising existing data in the field. Methods of data collection by way of observation, interviews and documentation. The data obtained is then processed by reducing data, presenting data, and making conclusions. The results of the study show that chemical castration is a form of criminal punishment. This punishment is appropriate because Islamic law recognizes tadzir punishment. Current criminal law policies in efforts to protect children related to sexual crimes are contained in Law Number 17 of 2016 concerning ratification of Regulation in lieu of Law Number 1 of 2016 concerning the second amendment to Law Number 35 of 2014 concerning the first amendment to Law Number 23 of 2002 concerning Child Protection. Sexual crimes against children that occurred in North Binjai District, Binjai City are a form of crime that violates positive law. In the perspective of the Muslim community in North Binjai District, Binjai City stated that they agree to the application of chemical castration sanctions for perpetrators of sexual crimes against children.

The Islamic Investment Gallery is a means of introducing Islamic Capital Market Investment to the world of academia and as a place to study investment and make investment transactions in the Islamic capital market. One of the causes of failure in investing is a lack of understanding in investing. Apart from knowledge, another factor in increasing interest in investing is technological advances as a medium in its activities. Therefore, this study aims to analyze the effect of knowledge on interest in investing in the Islamic capital market with technological advances as a mediating variable. This research is a quantitative research. Using the path analysis method in SPSS V.20. The results of this study indicate that knowledge has a direct effect on interest in investing in the Islamic capital market, knowledge influences technological progress as a mediating variable in interest in investing in the Islamic capital market, technological advances influences interest in investing in the Islamic capital market and knowledge influences interest in investing in Islamic capital markets. Through technological advances.

Islam the religion that was revealed brought messages of peace, humanity which was summed up in the term "Rahmatan Lil' Alamiin".  Indeed, every Muslim is able to crystallize the teachings of Islam as a manipulated soul in a peaceful and harmonious manner. Muslims who manipulate Islam as Rahmatan Lil 'Alamin in daily behavior are also able to dismiss the assumption that Islam is synonymous with violence, radicalism and terrorism. The truth is indisputable because wherever there is violence, terrorism, radicalism symbolized by bomb explosions, it can be ascertained that the perpetrators use Islamic shimbols such as wearing Muslim clothes or Muslim women. This is contrary to the goal of sending Islam to the earth. Islam strongly condemns this form of violence for whatever reason. The core teachings of Islam are developed with peace, harmony, tolerance and obligatory to maintain the five elements (1) Safeguarding Religion, (2) Safeguarding Intellect, (3) Safeguarding the Soul, (4) Guarding Offspring and (5) Safeguarding Property. These five foundations do not apply only to internal Muslims but also to people of different beliefs (between religious ummah). The attitude of a Muslim in the reflection of his daily life must develop a life of tolerance, mutual respect and respect. This study aims to provide answers as well as explore the causes of a small part of the behavior of Muslims who hack the path of violence, inhumane and intolerant.

In the perspective of Islamic economics, there are only 2 functions of money, namely money as a unit of value and money as a medium of exchange. There are 4 functions of money in a conventional economic system, namely money as a unit of account, money as a unit of exchange but in a conventional economic system, money does not only function as a valid medium of exchange but also as goods that can be traded or to make a profit, money as a storage unit. value, money as the standard unit of payment in the future. This study aims to find out how the perceptions of the Bukittinggi community regarding the function of money from an Islamic economic perspective. The type of research used is descriptive qualitative research. The research informant is the Muslim community of Bukittinggi City. Data collection is done by documentation, observation and interviews. The data analysis technique used is data reduction, data presentation, and drawing conclusions. From the results of research conducted by researchers, it was found that most people's perceptions about the function of money are in line with Islamic economics, but a small number have perceptions that are not in line with Islamic economics because they think that money can be used as a tool for personal gain. This is contrary to the concept and function of money in Islam.

QRIS is a non-cash payment instrument in the form of a QR code developed by Bank Indonesia and the Indonesian Payment Association. With the existence of QRIS, Bank Indonesia hopes to facilitate public transactions and not be left behind by technology. As a Muslim community, especially in Pasar Atas, Bukittinggi, we must understand how the law uses QRIS. because everything we do must be based and not deviate from the teachings of Islam. The aim of this research is to find out how the effectiveness of using the Quick Response Code Indonesian Standard (QRIS) in buying and selling transactions at Pasar Atas Kota Bukittinggi is viewed from an Islamic economic perspective. This type of research is a qualitative descriptive method by collecting data through interviews with traders and buyers who shop at Pasar Atas Kota Bukittinggi. The results of this study indicate that QRIS users receive many benefits, such as facilitating transactions, not having difficulty finding small money, reducing the spread of counterfeit money, not reducing the value of money and there are still many benefits received by QRIS users. Therefore it can be said that QRIS is more effective.

Abstract The poem "Sergius Mencari Bacchus" by Norman Erikson Pasaribu which is the object of this research aims to describe things related to (1) the physical and mental structure of the poem "Sergius Mencari Bacchus", (2) aspects of Christian religiosity in the poem "Sergius Mencari Bacchus”. The data collection technique was based on the form of a part of one of the poems in the poetry anthology book "Sergius Mencari Bacchus". The analysis technique used is in the form of analysis and interpretation of the data which is the subject of the study, as well as the emphasis on analyzing the religious values ​​contained therein. The results of the study describe that there are six physical structures and four mental structures that are builders in the poem "Sergius Mencari Bacchus". There is also an explanation regarding each stanza in the poem "Sergius Mencari Bacchus" in relation to the value of Christian religiosity. With the research that has been done, new meanings and understandings have been found regarding the values ​​of Christian religiosity which are very strong in the poem. How can Indonesian society, which is predominantly Muslim, be unable to interpret the poem "Sergius Mencari Bacchus" and its relation to the history that happened to the two figures who are the object of the poem. Apart from being related to religious values, there are also historical values ​​that lie behind the story of the two figures.   Keywords: christianity, poetry, religiosity, inner structure, physical structure     Abstrak Puisi “Sergius Mencari Bacchus” karya Norman Erikson Pasaribu yang menjadi objek penelitian tersebut bertujuan untuk mendeskripsikan hal-hal terkait (1) struktur fisik dan batin puisi “Sergius Mencari Bacchus”, (2) aspek-aspek religiusitas Kristen dalam puisi “Sergius Mencari Bacchus”. Teknik pengumpulan data berdasar pada wujud bagian salah satu puisi dalam buku antologi puisi “Sergius Mencari Bacchus”. Teknik analisa yang digunakan berupa analisa dan juga pemaknaan terhadap data yang menjadi subjek kajiannya, serta penekanannya pada analisa nilai religiusitas yang terkandung didalamnya. Hasil penelitian menjabarkan adanya enam struktur fisik serta empat struktur batin pembangun dalam puisi “Sergius Mencari Bacchus”. Terdapat juga penjabaran terkait tiap bait dalam puisi “Sergius Mencari Bacchus” dalam kaitannya dengan nilai religiusitas Kristen. Dengan adanya penelitian yang telah dilakukan ditemukan pemaknaan dan pemahaman baru terkait nilai religiusitas Kristen yang sangat kental dalam puisi tersebut. Bagaimana dalam masyarakat Indonesia yang mayoritas beragama Islam kurang dapat memaknai puisi “Sergius Mencari Bacchus” serta kaitannya dengan sejarah yang terjadi pada dua tokoh yang menjadi objek dari puisi tersebut. Selain terkait dengan nilai religiusitas terdapat juga nilai sejarah yang melatar belakangi penceritaan dua tokoh tersebut.   Kata kunci: kristen, puisi, religiusitas, struktur batin, struktur fisik

PT Bank Syariah Indonesia has become one of the banking companies which currently has problems that have reduced public distrust. Therefore, this study will look for the influence of customer relationships and reference groups on customer loyalty and customer satisfaction as intervening variables at PT Bank Syariah. Collecting data in this study using quantitative methods. The results of the research show that Customer Relationship has a very large influence on Customer Loyalty. Likewise, Reference Groups also have a very significant influence on Customer Loyalty. So it can be said that Customer Relationship and Reference Groups are very important to be maintained by Pt. Islamic Bank.  

The background of this research is that the attitude assessment used is only one method, namely by asking students whether they perform the morning prayer. Other methods provided, such as previous exposures, have not had the opportunity to apply them. Then there are difficulties encountered when applying authentic assessments in this aspect of attitude. Based on this, this study aims to look at the implementation that is currently underway at SMP Negeri 6 Payakumbuh, especially the affective aspects and the obstacles faced by teachers when implementing this authentic assessment. The type of research used in this research is descriptive qualitative which is located at SMP Negeri 6 Payakumbuh. Data collection techniques used are interviews, observation and documentation. Data analysis was carried out by means of data reduction, data analysis, and drawing conclusions. The results of the study show that Islamic Religious Education Teachers have implemented authentic assessment. Especially the affective aspects of Islamic Religious Education teachers apply two ways, namely journal assessment and student observation. Basically, in order to be able to assess the perfect authentic assessment of Islamic Religious Education teachers, it is hindered by several factors. The main factor is the limited time to implement it and the large number of students in one class coupled with the creation of a detailed rubric.

The Sharia Investment Gallery is a place for students to learn about investing in the Islamic capital market. There are several programs carried out by the Sharia Investment Gallery, namely educating and motivating students by holding activities such as studies on the Islamic capital market, Islamic capital market schools (SPMS) and also socializing the existence of a minimum capital of IDR 100,000 in opening an account on the market. Islamic capital in order to attract students to invest in the Islamic capital market. Therefore this research is to find out whether Minimum Capital affects students' interest in investing in the Islamic capital market with education as a moderating variable. This research is a quantitative study, the variables used are minimum capital (X), Education (Z), and Student interest in investing (Y). This study tested the MRA interaction. By distributing 131 questionnaires to GIS investors at the Islamic Faculty of Trunjoyo Madura University. The results of this study indicate that the results of the T test on the minimum capital variable affect students' interest in investing in the Islamic capital market. Furthermore, in the interaction test, the education variable has a significant effect in moderating the relationship between minimum capital and interest in investing, and it can be said that the moderating variable (education) strengthens the relationship between minimum capital and investment interest. And included in the pseudo moderation variable (Quasi Moderation.

Bank financial institutions in Indonesia can generally be divided into Islamic banks and conventional banks. Basically, both Islamic banks and conventional banks carry out activities to collect and distribute funds to the public, but all forms of activities carried out by Islamic banks must be in accordance with sharia principles. Competition between Conventional Banks and Islamic Banks in Indonesia is one of the things that has become the focus of attention of banking managers, especially with regard to customers, moreover, Indonesian Islamic Banks are still relatively new as a result of the unification of several Islamic Banks. This study aims to see how much influence product knowledge, promotions and word of mouth have on people's understanding of choosing Islamic banks. This research is a research with a quantitative approach and uses primary data. The population in this study is the people of Jambi City, especially those who adhere to Islam. The population in this study is the people who adhere to Islam in the city of Jambi, which is 612,162 people. The sampling technique used is probability sampling so that the number of samples used is 100 respondents. The results of the study show that together the variables of product knowledge, promotion and word of mouth influence people's understanding of choosing Islamic banks. Likewise with the individual, the results of the study show that the variables of product knowledge, promotion and word of mouth have an effect on people's understanding of choosing an Islamic bank with the significance level of each variable being the same, namely equal to 0.000 and the tcount value of each variable is 3.809 for X1, 3,617 for X2 and 5,823 for X3.

This study aims to determine and analyze the influence of Islamic stock understanding and financial behavior on the intention to purchase Islamic stocks at PT FAC Sekuritas. The method used in this study is a quantitative method, and the data analysis method used is the coefficient of determination test. The sample in this study was 94 samples of FEBI students at UIN STS Jambi class of 2019-2021, by distributing Likert scale questionnaires. The results of the study show that understanding of Islamic stocks (X1) has a significant positive effect on the intention to purchase Islamic stocks (Y). This is evidenced by the value of Tcount 4.379 > Ttable 1.661 and a Sig value of 0.001 <0.05, which means that Ho is rejected and Ha is accepted. Financial Behavior (X2) shows that there is a significant positive influence on the intention to purchase Islamic stocks (Y). This is evidenced by the tcount value of the minimum capital variable of 3.480 > 1.661 with a significance value of 0.001 <0.05, so it can be concluded that Ha is accepted and Ho is rejected. Understanding of sharia stocks and financial behavior together have a significant effect on the intention to buy sharia stocks. It is known that the significance values ​​for (X1) and (X2) simultaneously affect (Y) of 0.000 <0.005 and the value of Fcount > Ftable (34.631 > 3.10). So it can be concluded that Ha is accepted and H0 is rejected. This means that the higher the level of understanding of Islamic stocks and the better financial behavior, the higher the interest of students in purchasing Islamic stocks at PT FAC Sekuritas.

Human resource management (HRM) is an important component in any organization or business. The effectiveness of HR management will have an impact on  the company's performance and output. In an Islamic perspective, effective HR management should be built on ideas that uphold Islamic ideals. Allah Almighty has given responsibility to man to manage human resources as effectively as possible. This is related to the idea of trust, which states that everyone is responsible for the property that Allah Almighty has entrusted to him. Man is assigned to use human resources as efficiently as possible by Allah SWT. This relates to the concept of amanah, which states that each individual is responsible for the material possessions that Allah Almighty has given them. Therefore, it is very important to apply justice and kindness in managing human resources. The list of books and articles in this review does not provide a comprehensive picture. Although these restrictions are sufficiently mitigated by the selection of different authors and publications, the results may be improved by a more thorough study. In many types of conflict, including war, religion has been shown to be a motivating factor in demonstrating human commitment and devotion. Knowing how religion functions in business can help develop the potential of HRM. A brief review of Islam's place in business, particularly in HRM, has the potential to have a significant impact.  

Ibn Khaldun's thoughts on the philosophy of Islamic education reflect his valuable contribution in understanding the role of education in the formation and advancement of civilization. In his famous work, "Muqaddimah," Ibn Khaldun expresses a rich and relevant view of education in the Islamic context. Ibn Khaldun considers education as an important element in the formation of individual character and civilization. For him, Islamic education must include moral, ethical, and spiritual dimensions. Ibnu Khaldun argues that early education has a central role in forming the foundation of social life, and emphasizes the importance of providing good education to children from an early age. Apart from early education, Ibn Khaldun also recognized the importance of formal education in forming educated individuals. He recognized the value of knowledge and expertise in community development, and suggested that educational institutions such as madrasas and universities should provide knowledge that is scientific and skill-based. However, Ibn Khaldun also stressed the importance of experiential education in Islamic thought and understanding. He emphasizes that direct experience in social and political interactions brings a deeper understanding of the dynamics of society. According to him, this experience enables individuals to gain wisdom and contextual understanding which is crucial in understanding and applying Islamic teachings in everyday life. In his thoughts, Ibn Khaldun made education a means to achieve social justice and progress of civilization. He recognized the importance of acquiring knowledge and skills, but also emphasized the need for solid moral and spiritual education. For him, Islamic education must combine religious teachings with scientific understanding and practical experience to create individuals who are committed to the good and benefit of humanity.    

This study aims to analyze the efficiency of sharia operations in the hotel industry by using sharia operational management approach in the check-in and check-out process. Operational efficiency is a key factor in the success of a hospitality business, and with the Islamic operational management approach, aspects of sharia are also integrated into operational processes.The research method used in this study is descriptive analysis by collecting data from various sources, including literature studies, field observations, and interviews with hotel managers who apply Islamic operational principles. The collected data was analyzed using a qualitative approach to gain deep insight into the operational efficiency of Sharia. The results of the analysis show that the application of sharia operational management in the check-in and check-out process can improve operational efficiency in the hotel industry. Some of the measures taken include the use of technology to speed up the check-in process, staff training in terms of friendly and efficient service in accordance with sharia principles, and the implementation of policies that promote integrity and transparency.In conclusion, the Islamic operational management approach can provide great benefits for the hotel industry in achieving operational efficiency. By paying attention to sharia aspects in the check-in and check-out process, the hotel can meet the needs of guests who want services that are in accordance with sharia values. In addition, the use of technology and proper staff training also play an important role in improving overall operational efficiency.

Knowledge is something that is very urgent in human life, in human life everyone needs knowledge. Islam is a perfect religion based on Quran and hadith. Islam places great emphasis on the obligation to seek knowledge, even the first verse that comes out is a verse about education. Because of the urgency of knowledge for humans, knowledgeable people are distinguished from people who are not knowledgeable. Knowledge is the key to happiness in this world and in the hereafter, if humans want to please Allah, humans must worship, carry out His commands and stay away from His prohibitions, must also use knowledge. Islam orders people to seek knowledge not only at school, but Islam teaches lifelong learning. The purpose of this writing is to discuss studying knowledge to achieve noble dignity. This research method uses a qualitative type through literature study and content analysis. The results and discussion of this study include an explanation of studying in Qs. Abasa (80):1-10 and Qs. Al-Mujadilah (58): 11 and the concept of knowledge in Islam. This study concludes that seeking knowledge is one of the most important parts of human life, without knowledge humans cannot develop. The search for knowledge is also considered as the starting point in attitude awareness. Seeking knowledge is obligatory for every Muslim man and woman. When Allah has sent down a mandatory order for something, then we must obey it.

Al-Quran is the word of Allah SWT in the form of miracles revealed by Him to humans. Through Gabriel with the intermediary of the last Messenger, Muhammad has the main function as a guide for humans as psychophysical beings who are worth worship. Among the features of the Al-Quran is that it is a book that is explained and easy to memorize. The Al-Quran is the main source in Islam and is a life guide for every Muslim, the Al-Quran does not only contain instructions about the relationship between humans and Allah, but also humans and humans. Like miserly, the Koran presents about miserly, miserly should not exist, because it damages human relations. This study aims to find the meaning of miserliness, by avoiding it in order to reach Allah's blessing. In the Indonesian dictionary, the word bakhil is miserly, lokek, and stingy. One of the liver disease is miserly. Miserliness ( miserly ) is a disease of the heart and a despicable mental attitude . Stingy is also stingy in using his wealth, even stinginess can be towards himself, especially towards other people. This miserly disease often afflicts people who strive in the way of Allah and is the cause of the suffering of Muslims today and this trait is a disease that must be cured. It is one of the bad and reprehensible qualities in all religious views. Miserliness and greed accompanied by a tendency to hoard as much wealth as possible can violate the values ​​of community life, cultured human life. In the Al-Quran there are messages and suggestions to pay attention to one another and be concerned for others, especially for those who are less fortunate. Stinginess and reluctance to share with others, especially those in need have a negative impact. Neither to oneself nor to others, so that there are many verses in the Koran that instruct sharing and charity, as well as the prohibition of being stingy. These various realities show that miser or miserly is an interesting issue to discuss because, firstly, its existence is quite complex and difficult to overcome. Second, there is a paradox, where on the one hand the social escalation of regiusitas is increasing, but on the other hand miser is still attached.