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Monetary policy is one of the crucial instruments in regulating the economy of a country. In conventional economics, monetary policy is implemented through mechanisms such as interest rates and open market operations. However, in Sharia-compliant economies, which are based on the prohibition of riba (interest), monetary policy must be executed using instruments that adhere to Sharia principles. This study adopts a literature review methodology, thus focusing on bibliographic materials by seeking relevant literature. The theoretical data utilized in this research is obtained from library literature and analyzed based on various references in this paper. By understanding the role and consequences of monetary policy in Sharia economics, it is hoped that new insights can be provided for the development and implementation of monetary policies that align with Sharia principles.

The dynamics of contemporary development are correlated with integrated technological progress innovations in human activity, both in aspects of education, business, communication, and so on. The communication strategy is the choice of Instagram owner @Farizas_kyas as a marketing promotion for Muslim fashion products towards teenagers. Because, today's teenagers have followed trends as a reflection of modernity while remaining within the corridors of sharia principles. This research aims to examine and describe the communication strategy for promoting Muslim fashion products among teenagers by the Instagram account @Farizas_kyas. The research method uses a description method with a qualitative approach. The research subject is Farizas Kyas, while the research objects are material objects and formal objects. The data source was obtained from the Instagram account @Farizas_kyas through product posts and stories. Data collection was carried out through virtual observation, interviews and documentation. The research results confirm that the communication strategy for the Instagram account @Farizas_kyas in promoting Muslim fashion products among teenagers is done by creating attractive visual content, using hashtags, educational and informative content, live Instagram, and being consistent in posting content. By using an Instagram account, the account owner gets more benefits through the effectiveness of the product marketing strategy used.

This research focuses on the implementation of the Al Wadiah concept in the State Savings Bank (BTN) in Indonesia. The concept is based on Islamic law and deals with trust and custody. The bank has integrated Al Wadiah into its savings services and manages customer funds in accordance with Sharia regulations. This study uses secondary data to analyze the implementation. The study found that BTN offers a range of savings products that emphasize the security of deposited funds. The study also identified challenges and opportunities faced by the bank in implementing the concept. These challenges include regulatory changes, educating the public and a comprehensive understanding of Sharia principles. Despite these challenges, there are opportunities for BTN to expand its range of Sharia-based services and increase public confidence in the financial system.

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

Islamic education holds a strategic position in shaping students’ moral character and social attitudes within multicultural societies. However, Islamic educational curricula are frequently perceived as prioritizing normative-textual transmission and doctrinal compliance, leaving limited room for interfaith dialogue and the cultivation of inclusive dispositions. This study critically assesses Islamic educational curriculum orientations and examines how sharia-based moral pedagogy can foster interfaith tolerance among students. The study also responds to the limited empirical linkage between sharia moral education and measurable developments in tolerance, inclusivity, and dialogic competence in Islamic schooling contexts. Using a qualitative design with descriptive-critical analysis, the research draws on curriculum document analysis and classroom observations across several Islamic educational institutions. Data are analyzed thematically to identify how three key curricular dimensions-akhlak (ethical conduct), maqāṣid al-sharī‘ah (higher moral objectives), and Islamic civilization history-are embedded and enacted in teaching practices, as well as how these elements shape students’ attitudes toward religious difference. The results indicate that akhlak-centered learning supports empathy, mutual respect, and non-discriminatory behavior by framing morality as lived practice rather than abstract instruction. Integrating maqāṣid al-sharī‘ah strengthens students’ inclusive orientation by emphasizing public good, justice, and human dignity as guiding principles for social relations. Additionally, teaching Islamic civilization history-especially narratives of coexistence-enhances students’ awareness of interfaith engagement and positions dialogue as compatible with Islamic identity. A comparative analysis suggests that sharia-based moral pedagogy is more effective than normative-textual curricula in building tolerant and inclusive student dispositions, mainly because it enables reflective learning, contextual moral reasoning, and dialogic interaction.

This study explores the intersection of classical Islamic philosophical thought and modern environmental ethics to propose a Sharia-based eco-theology model for addressing global sustainability challenges. It investigates key Islamic environmental principles, such as khalifah (stewardship), amanah (trustworthiness), and mizan (balance), which emphasize humanity’s responsibility to protect and preserve the environment. These values, derived from Islamic teachings, offer a moral and spiritual framework for ecological stewardship, aligning closely with contemporary concerns like sustainability, biodiversity preservation, and climate change mitigation. The research integrates these Islamic principles with modern ecological ethics, including ecocentrism, deep ecology, and environmental justice, to construct a holistic eco-theological model. Through this framework, the study emphasizes the importance of balancing ecological, economic, and social factors to promote environmental justice. The findings suggest that Islamic eco-theology can play a significant role in fostering environmental responsibility within Muslim communities and beyond, contributing to global sustainability efforts. Practical applications of these principles are seen in educational initiatives, such as the incorporation of eco-theology into curricula at Islamic institutions, and in community-based environmental projects. The research also highlights the challenges and limitations of traditional interpretations of Islamic environmental ethics, suggesting the need for progressive and adaptive approaches in addressing modern environmental issues. Future research directions include exploring the integration of this eco-theology in policy-making, Islamic education, and cross-cultural applications, ensuring its relevance to diverse communities facing environmental challenges.

This research aims to evaluate risk management in financing through the Sharia Fintech Peer To Peer Lending (P2P) platform. P2P lending is an innovation in the financial sector that allows borrowers and fund providers to interact directly via digital platforms. In the context of sharia finance, the risk management aspect is crucial to ensure compliance with sharia principles. This research uses qualitative and quantitative analysis methods to identify and evaluate various aspects of risk management related to financing through sharia P2P lending. Risk factors such as credit risk, liquidity risk, operational risk and sharia risk will be evaluated to provide a thorough understanding of the effectiveness of risk management in this context.

Sharia economics is an economic system based on the principles of Islamic law or sharia. These sharia principles cover many aspects such as peace, contentment and satisfaction with Islamic teachings. In the context of sharia economics, buying and selling transactions must be in accordance with Islamic principles and involve moral and ethical aspects. The aim of this research is to find out how important it is and how much people understand Islamic economics. It is equally known that many people have opinions or think that Islamic economics is wrong, and has many principles, etc. This research used a qualitative descriptive method, and data collection was carried out by direct observation and interviews with several sellers there. So the results of this research are that around 90% of sellers in the Rawamangun area use sharia economics in buying and selling transactions, on average they use sharia economic principles from the first time they trade, because according to them by using sharia economic principles, transactions buying and selling becomes fairer and better.

Based on the results of this research, it is revealed that 1) According to the Islamic economics perspective, increasing sales at Miki Jaya grocery stalls is a strategy of product, price, place/distribution and promotion or 4P. The strategy used is in accordance with the provisions of Islamic sharia because it imitates the nature of marketing carried out by the Prophet Muhammad SAW. 2) The marketing strategy for increasing sales according to an Islamic economics perspective is using the 4Ps (product), price, place, promotion. 3) Analysis of marketing strategies for increasing sales at Miki Jaya grocery stalls Hutarimbaru Village, Barumun District, according to an Islamic economic perspective, is in accordance with the analysis carried out by researchers that the marketing strategy used by the Miki Jaya grocery store using a marketing mix strategy or 4P (product, price, place, and promotion) is in accordance with the Islamic economic perspective which uses the principles honesty, transparency in doing business so that it becomes a marketing difference between Miki Jaya grocery stalls and other stalls.

The high demand for new houses combined with the large number of marriages has led to an increase in demand for livable houses. The role of BTN as a housing credit (KPR) provider entrusted by the state takes an important role as the main capital in Indonesia. BTNS SETIA BUDI is one of the BTN banks located in the city of Medan, it contains sharia principles, providing the best service to attract mortgage loan customers using sharia principles. Therefore, BTNS Setia Budi must improve its marketing strategy as an important capital to support mortgage financing. The author took the title of this research to determine the effectiveness of BTNS's marketing strategy using SOAR analysis with a qualitative method taking sources of information from existing journals and direct interviews with BTNS Setia Budi staff.      

The development of Islamic economics with the application of sharia principles in economic activities is starting to be practiced in the field of sharia finance. This started with the establishment of sharia banking, then followed by the emergence of the sharia capital market as an investment tool to attract profits and seek capital. The Jakarta Islamic Index (JII) as the antithesis of the conventional capital market has challenges when carrying out investments using sharia principles, this is because securities in the form of shares are greatly influenced by macroeconomic aspects such as interest rates. So sharia share prices are very sensitive to the dynamics of interest rates. This research seeks to see the extent of the influence of interest rates on sharia sham prices at JII. The method used is VECM analysis to see long-term effects. The results of this research found that the interest rate variable did not significantly influence sharia stock prices in the long term, however the results of the VECM analysis found that there was a negative relationship, meaning that there was still an influence, although not significant. So sharia share prices can still be affected by changes in conventional interest rates.

Microenterprises are crucial to the economic landscape, especially in developing countries, as they contribute significantly to GDP and employment. However, these businesses often face challenges in adopting sustainable practices due to financial constraints, limited resources, and market access issues. This research evaluates the impact of energy efficiency on the profitability of Sharia-compliant microenterprises applying green business principles. By integrating energy-saving measures, such as energy-efficient technologies and optimized consumption, microenterprises can reduce operational costs and improve profitability. Sharia-compliant businesses, which adhere to ethical and sustainable practices, tend to be more open to implementing such green practices. The findings show that energy-efficient microenterprises outperform conventional ones in profitability, as energy-saving leads to lower costs and enhanced competitiveness. The study also highlights the importance of green finance in supporting these enterprises by overcoming financial barriers, allowing them to adopt energy-efficient technologies. Despite the clear benefits, challenges such as high initial investment costs and limited access to efficient technologies remain. Policy intervention, including financial incentives and education, is necessary to address these barriers and enable microenterprises to fully capitalize on energy efficiency. In conclusion, energy efficiency is not only a key driver of profitability for Sharia-compliant microenterprises but also a strategy for long-term sustainability and competitiveness.

A study of business validity can help to understand the legal and regulatory structures that govern the operation of a sharia business, while sharia economic law can provide valuable perspectives on the principles and rules that govern business operations. Understanding the relationship between these two fields can help identify potential challenges and opportunities for sharia, as well as help to identify best practices and case studies that can help Sharia overcome challenges and take advantage of opportunities. This type of research is a descriptive qualitative approach by applying library research methods (library research). The results of the research are used as a determining factor in choosing or rejecting an idea or proposal for a project or undertaking being planned. Meanwhile, Shariah economic law refers to an economic legal system based on Islamic principles and values. In the study of business viability, there are several evaluation factors that need to be considered, such as legality, marketing, and financial aspects. In the context of Shariah economic law, there are several principles that include the Foundations of Mu'awanah, Musyarakah, Manfaah, Antarodhin, Adamul Gharar, Musawah, Ash Shiddiq, Ownership, Governance, and Bir wa Taqwa.

This study examines the application of sharia economic principles in the photocopying and office stationery (ATK) business in the pesantren environment, focusing on business performance that is not only financially profitable but also has a positive impact on society and the environment. Using a qualitative approach, this study analyzes current business practices as well as strategies that can be applied to integrate sharia values, such as the prohibition of riba, gharar, and maysir. The findings of the study show that the application of sharia economics can improve business performance through capacity building, cooperation with Islamic financial institutions, and technology adoption.

This study explores the impact of religious values on Muslim consumers' behavior toward green financing and eco-friendly products within the framework of Islamic economics. The research utilized a quantitative approach with a descriptive survey method, surveying 250 Muslim consumers from urban areas in Indonesia. A structured questionnaire with a five-point Likert scale was employed to measure religiosity and eco-friendly purchasing behavior. The multiple regression analysis showed that religiosity significantly influences green purchasing behavior, with higher religiosity scores correlating with greater engagement in environmentally conscious purchasing decisions. Additionally, the t-test and ANOVA revealed significant differences between Sharia-compliant and non-Sharia-compliant groups, with the Sharia-compliant group exhibiting stronger eco-friendly purchasing behavior. These findings suggest that Islamic principles related to environmental stewardship, such as Khalifa (guardianship of the earth) and Israf (avoiding wastefulness), play a significant role in shaping consumer attitudes toward sustainability. The study concludes that religious values are a crucial determinant of green purchasing behavior and that incorporating these values into sustainability initiatives can effectively promote eco-friendly behavior, especially in communities where religion plays a central role. Policymakers and educators can leverage religious frameworks to foster sustainability and encourage more responsible consumer behavior in Muslim-majority communities.

There are many small-scale people who want to have a business to make a living but are still hampered by capital, so they have to look for more loans to build a business that can become a foundation for the continuity of life in the future. With this, the government is now establishing various institutions that are able to increase the income of people who need capital as business capital, one of these institutions is PT. Madani Mekar Syariah National Capital. So the aim of the author's research is to find out how the practice of distributing business capital funds at PT. Madani Mekar Syariah National Capital in Betung District, Banyuasin Regency and also wants to know how sharia economic law applies to combining murabahah and wakalah contracts in one transaction which is applied to PT. Madani Mekar Syariah National Capital in Betung District, Banyuasin Regency. This research uses qualitative methods with respondents, namely branch heads and Account Office members as well as customers. Regarding informants, namely customers who are Muslim, new customers, and have businesses. The results of this research show the flow of fund distribution practices at PT. Mekar Syariah Madani National Capital in Betung District, Banyuasin Regency includes the stage of determining customers according to the criteria set by PNM Mekar Syariah, the second stage is Financing Training, the third stage is signing the agreement and disbursing funds, and the fourth stage is carrying out weekly installments. If we look at sharia economic law regarding the combination of murabahah and wakalah contracts, this is permissible and does not conflict with sharia principles because the murabahah and wakalah financing contracts are carried out at separate times.

This research is about the analysis of ethical consumption of food and drinks (Study of students from the Islamic Economics and Business Faculty, Sharia Economics Study Program, UIN Sulthan Thaha Saifuddin Jambi). This research aims to find out more about the ethical patterns of student food and drink consumption and Islamic economic views regarding student food and drink consumption. The method used by researchers is a qualitative method. The object of this research is students majoring in sharia economics, FEBI Class of 2019-2020. The data sources used are primary and secondary data using data collection techniques in the form of observation, interviews and documentation. The results of this research show that students' consumption ethics in fulfilling food or primary blindness (dhuriyat) are seen from the type of food they consume, the way they consume it and the quantity of food they consume is not fully in accordance with consumption ethics. In terms of ethics, most students do not pay attention to ethics and manners in consuming and from the five principles of Islamic consumption there is a gap between theory and practice. Based on the principle of simplicity, students consume excessively which can lead to wastage and waste. Meanwhile, students' moral principles do not follow the rules of etiquette and ethics set out by the Prophet Muhammad SAW. Most students do not apply this principle. Judging from the way they eat, they don't pay attention to consumption ethics based on what the prophet taught, and their habit of often throwing away rice and then leaving the environment dirty because they don't clean the place immediately after they consume food.

There are 514 urban areas in the archipelagic nation of Indonesia (Ministry of Home Affairs, 2016). There are many cities in Indonesia that are able to provide a sense of comfort and security for their residents, this of course has an impact on population growth. However, the amount of waste that can be generated and stored is limited by the carrying capacity of the urban environment. Using the idea of ​​a "green city" which consists of nine elements of road infrastructure, traffic, green open space, clean water, noise, energy, housing, clean air and buildings is one way to overcome the above problems. All these qualities need to be utilized immediately with a comprehensive systems approach and in accordance with economic, social and environmental principles in sustainable development. Blue economy approaches can be used to eliminate waste. The “blue economy” is a term that is becoming increasingly popular in today's seas and oceans. The aim of this concept is to combine sea base development opportunities with environmental management and protection. Four conceptual interpretations of the blue economy were determined through research into the dominant discourse in international economic policy documents. How the blue economy works is also examined through an “in practice” analysis of the blue economy and related actors. Next, the scope and focus of the blue economy is explored specifically on the maritime industry, which is included or excluded in various conceptualizations. This analysis reveals areas of agreement and conflict. The consensus range reflects the growing trend towards the commercialization and valuation of nature, delineating and defining maritime boundaries and enhancing the security of the world's oceans. There are several areas of conflict, particularly disputes over the legitimacy of individuals as part of the “blue economy”, highly carbon-intensive industries such as oil and gas and the growing deep sea mining industry. Oceans are becoming increasingly important in terms of potential international trade opportunities through intermediaries and buyers. the behavior of the model supporting such a relationship in the ocean is acceptable from a regular and economic point of view. The relationship between land and sea is increasing in the role and importance of the "blue economy" as the term emerges in the background. . A literature review was conducted to analyze the correct definition of the blue economy. This definition is analyzed based on the minimum requirements that are important for the blue economy. This article also tries to compile various types of activities related to marine services. This is done to determine what can be considered priority areas for blue economic growth. The blue economy concept is based on national economic development. This is comprehensively useful for achieving overall national development. Environmental accounting is stated as a process of reducing negative values ​​and creating positive values ​​in environmental accountability.

The development of the Islamic banking sector in Indonesia reflects a response to the public's need for a banking system that not only provides sound financial services, but also adheres to sharia principles. PT Bank Syariah Indonesia as a major player in this sector has to face the changes that occur due to high competition in an effort to win customer trust and support. Currently, customer behaviour in the Indonesian banking industry is very diverse. Low administrative costs are also an important consideration for customers. The importance of these factors in customer decision-making has been recognised by modern banks, which now realise that customers do not only consider interest rates or financial benefits, but also want the sophistication and full features of banking products. Technological advancement, especially in mobile banking, has become a significant trend, not only in developed countries but also in developing countries such as Indonesia. Mobile banking, as one of the service products offered by PT Bank Syariah Indonesia, is an important factor in students' decision to open an account online. The existence of good virtual services from Bank Syariah Indonesia, especially through the mobile banking platform, is a major attraction for students, given their dependence on technology and the need for convenience in transactions.

Dispute resolution in sharia banking involves various methods, such as mediation, arbitration and court. Mediation is a voluntary process that allows the parties involved to reach an agreement with the help of a mediator. Arbitration is a method that results in a binding decision by a neutral arbitrator. Trial is a formal method that requires a longer process and higher costs, but produces binding decisions. Each method has advantages and disadvantages, and the choice of method must consider the characteristics of the dispute, the preferences of the parties involved, and compliance with sharia principles in Islamic banking. In conclusion, it is important to choose the dispute resolution method that best suits the Islamic banking context and the desired resolution objectives.