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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.  

This research explores the implementation of Good Corporate Governance (GCG) at Bank Muamalat KCP Stabat. The findings show that the bank has succeeded in establishing a strong corporate governance structure, with the active involvement of the supervisory board and audit committee, which reflects a commitment to transparency and accountability. Bank management is considered as a reliable agent, in accordance with the principles of Agency Theory, creating positive tendencies in policies that support the interests of shareholders. In the dimensions of Stewardship Theory, banks actively integrate the interests of customers, employees and society into their GCG policies, showing the importance of a corporate culture that supports management's stewardship role. The success of GCG implementation is realized in achieving compliance with regulations and standards, with transparent financial reports. Bank Muamalat KCP Stabat, through its GCG practices, has a positive impact on shareholders and other stakeholders.

This research discusses the concepts and theories of good corporate governance applied at PT. Indonesian Sharia Bank. This article reviews the importance of implementing the principles of good corporate governance in the sharia banking industry, with a focus on PT. Indonesian Sharia Bank. In this article, the author explains the concepts and theories of good corporate governance and their relevance to PT. Indonesian Sharia Bank. The author also discusses how PT. Bank Syariah Indonesia applies the principles of good corporate governance in its operations. This article also reviews the benefits obtained by PT. Bank Syariah Indonesia through the implementation of good corporate governance. In this research, the author used a descriptive-analytical method by collecting data through literature studies and analysis of PT's corporate governance policies and practices. Indonesian Sharia Bank. The research results show that the implementation of good corporate governance at PT. Bank Syariah Indonesia has had a positive impact on company performance and the trust of shareholders and customers. The conclusion of this article discusses the concepts and theories of good corporate governance and their application at PT. Indonesian Sharia Bank.Implementation of good corporate governance at PT. Bank Syariah Indonesia provides benefits in improving company performance and shareholder and customer trust.

Good Corporate Governance is the most well-known principle in the world for maintaining the integrity of world organizations. Almost all international locations in all countries adhere to the foundation of building responsibility and openness. Unfortunately, in its application, GCG does not explain the values ​​of stakeholders. The study aims to reconstruct GCG (OECD version) and look for a more appropriate Sharia Concept. Of course, this will provide a solution to the problem itself. After analyzing the values ​​and character of SET, we built a modern GCG positioned on Islamic concepts. These concepts are; One; deeper sympathy from stakeholders, second; principles regarding stakeholder rights: third, equality in stakeholder behavior, fourth, the principle of openness, finally, regarding corporate accountability.Weak GCG practices in Indonesia are caused by the low level of protection for investors, law enforcement, transparency and ineffective public company audit committees. This condition strongly encourages the need for effective and efficient global corporate governance. Islamic Corporate Governance The Islamic perspective lies in the Islamic Company Theory which has greater concern for wider stakeholders which include God, humans and nature. The difference in goals between conventional Corporate Governance and Sharia GCG which tends to adhere to Sharia Enterprise Theory (SET). SET equates material and spiritual values. This shows that Sharia GCG does not only achieve material benefits, but also spiritual values. SET also equates egoistic values ​​with altruistic values, which in Islamic law are realized in the form of worship.

This journal research aims to investigate the role of asset and liability management strategies' role in increasing Islamic banks' profitability. In this research, the Literature Review method was used. Where this research contains at least almost 80% of national and international articles and journals and e-books published on various platform providing articles, journals, and e-books at national and international levels that discuss asset and liability management strategies for Sharia banks. Literature Review is a national and international literature search carried out using the Google Scholar database (Knopf, 2006; Sugiyono, 2017). In the context of a changing and complex economy, a deep understanding of how Islamic banks can manage their assets and liabilities is crucial. By focusing on sharia principles, this research will identify strategies that can help sharia banks achieve optimal levels of profitability, while still complying with sharia provisions.

This article discusses the pivotal role of Good Corporate Governance (GCG) Sharia in governing the Islamic banking sector, emphasizing ethical principles and Sharia values. The research employs a comprehensive evaluation using secondary data collection methods, specifically library research and internet searches. Data were extracted from journals and articles focusing on GCG. The assessment reveals that Islamic banks have generally implemented GCG principles such as accountability, transparency, fairness, and compliance with Sharia law effectively. However, the study identifies areas for improvement, particularly in comprehensive application of Sharia principles and more effective risk management. Instances of personal involvement within Islamic banking institutions underscore the need for enhanced adherence to these principles to uphold ethics and sustainability. Therefore, this article underscores the significance of a profound understanding and effective implementation of GCG Sharia principles within the operational framework of Islamic banking in Indonesia.

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

This research aims to investigate the relationship between savings and investment theory in the concept of economic growth. Savings and investment theory are two main elements in macroeconomi analysis that play an important role in determining the level of economic growth of a country. This research explores the impact of the interaction between savings and investment levels on economie growth. In both conventional and Islamic economic contexts, savings and investments are importan inancial instruments in managing personal finances, supporting economic growth, and achieving the inancial goals of individuals and society as a whole. However, in Islamic economics, both must comply with Sharia principles to create economic justice and religious obedience. reserves of funds that can be used for future consumption or investment. Meanwhile, in Islamic economics, sharia-based savings must comply with sharia principles which prohibit usury and transactions involving haram elements. The goals of savings in Islam include sharia compliance, financial security, and distribution of wealth to the needy.

Indonesia has a significant problem of economic inequality between regions. This can give rise to inequality and social injustice. The government, in its efforts to achieve economic equality between regions in its national development strategy, has provided several policies, however, it also needs a national development strategy with an Islamic perspective to perfect these policies. This study employed a qualitative approach as its research methodology, specifically focusing on library research. A qualitative approach allows researchers to understand complex and multidimensional phenomena. In facing the challenges, challenges and failures in the national development strategy in Indonesia in the last 10 years, Islamic Economics can provide alternative solutions that can strengthen the parts that according to Islamic Economics must also be considered in order to strengthen the National Development strategy that can minimize and neutralize, one of which is by paying attention to Sharia Economic Principles in terms of development such as justice, balance and poverty. Therefore, the national development strategy implemented must pay attention to these principles. From the standpoint of Islamic economic development, Indonesia's development focus for the past ten years has been irrelevant. This is a result of the Indonesian government continuing to focused on infrastructure development and is not fully in accordance with sharia principles, and is lacking in improving the aspect of human resources.

This study aims to examine the development of Ijarah products as an alternative financing in Islamic Financial Institutions (LKS) in Indonesia, with a focus on its implementation in meeting customer financing needs. Ijarah, as a lease agreement in the Islamic financial system, offers financing solutions that are in accordance with sharia principles and has great potential in the Indonesian Islamic financial industry. This study uses a qualitative method with a case study approach, analyzing primary and secondary data from several LKS that have implemented Ijarah products. The research findings show that Ijarah products have advantages in providing financing flexibility, especially in fixed asset sectors such as property and vehicles. However, challenges faced in developing this product include a lack of customer understanding and regulatory complexity. The implications of this study indicate that strengthening socialization and increasing the operational capacity of LKS in offering Ijarah products is very important to increase the competitiveness and inclusion of Islamic finance in Indonesia.

For the first time in Indonesia, banking regulations have begun to be systematically regulated in Law no. 14 of 1967 which discusses the principles of banking is used as a guideline for the regulation of banking in Indonesia. In 1992, the establishment of Bank Muamalat Indonesia was the beginning of the recognition of sharia banking in Indonesia. Then with the enactment of Law no. 7 of 1992 concerning banking, as amended by Law no. 10 of 1998 explicitly discusses that in Indonesia there are two banking systems, namely conventional banking and sharia banking. The regulations regarding sharia banking in this law are considered not yet specific, therefore it is necessary to specifically establish sharia banking itself in a law, with the establishment of Law no. 21 of 2008 concerning sharia banking. For a long time, banking in Indonesia has made law no. 14 of 1967 concerning the basic principles of banking as guidelines for every bank in Indonesia. In 1992, the establishment of Bank Muamalat Indonesia was the beginning of the recognition of sharia banking in Indonesia. Then with the enactment of Law no. 7 of 1992 concerning banking, as amended by Law no. 10 of 1998 explicitly discusses that in Indonesia there are two banking systems, namely conventional banking and sharia banking. The regulations regarding sharia banking in this law are considered not yet specific, so a law that is clearer and complements the shortcomings of the previous law is needed. Therefore, Law no. 21 of 2008 concerning sharia banking. The final conclusion in this research is that the public recognizes and prefers sharia banking as regulated in Law No. 21 of 2008 because this law can explain and answer specifically the problems that exist in society regarding banking in Indonesia and with the birth of law no. 21 of 2008 is expected to provide justice and togetherness to all Indonesian people based on sharia principles which refer to Islamic law in order to achieve equal distribution of social welfare.

This research aims to determine the application of Planning, Organizing, Actuating, and Controlling (POAC) in Islamic Business Management. This research uses a qualitative research method with a Systematic Literature Review (SLR) approach. The existing data sources come from indexed journal literature that has an ISSN (International Standard Serial Number) electronically which has been published via the internet with the code E-ISSN. Data collection was carried out via internet surfing from Google Scholar. The research data population is journals and books that focus on POAC (Planning, Organizing, Actuating, and Controlling). The results of this research state that the implementation of planning in Islamic business management must be in line with sharia values, ensuring that business objectives not only benefit the company, but also create social and economic benefits for society as a whole. The application of organizing in Islamic business management involves the creation of a fair and sustainable organizational structure. The separation of duties and responsibilities must reflect fairness, and strategic decisions must take into account their impact on society. Synergy between business interests and general welfare is the main key in the organizing process. The application of actuating in Islamic business management is the implementation of Islamic values in every company action such as work ethics, transparency and honesty and creating fair economic opportunities. The application of controlling in Islamic business management includes continuous monitoring of compliance with sharia principles. This includes ongoing evaluation of business sustainability and fair distribution of profits. Controls also ensure that the business operates in accordance with Islamic objectives and does not involve practices that are inconsistent with sharia law.

Waqf is one of the Islamic social instruments that has a dual role, namely as a religious institution and as an economic instrument. Waqf can improve the welfare of the ummah, support government spending, and absorb labor. The author applies a descriptive qualitative approach using the literature study research method. This method involves collecting data from various literatures, especially articles from scientific journals relevant to the research topic. Halal tourism is a travel concept that fulfills the principles of Islamic sharia in every aspect. The purpose of halal tourism is to provide a vacation experience that complies with religious principles for Muslim tourists, which includes spiritual, cultural, and also their practical needs while traveling. From the research conducted, it appears that the optimization of waqf assets has great potential in creating significant employment opportunities and can reduce the unemployment rate.

Torture is an act of physical injury but not to the point of loss of life or death. Persecution is divided into intentional or planned abuse and unintentional. The focus of this research is on intentional or planned abuse. This social phenomenon regarding premeditated abuse is an act that violates Islamic law. Therefore, cases of planned abuse must be followed up immediately and become an urgency in this research. The aim of this research is to analyze the sanctions received by perpetrators of planned abuse from the perspective of Islamic Criminal Law. The research method used in this research is the library research method with a normative juridical research approach and qualitative data analysis. The results of this research show that (1) If the abuse occurs intentionally or premeditated, in accordance with sharia law, the punishment is Qishas on the basis of Surah Al-Maidah verse 45 that Qishas is a balanced and appropriate penalty imposed on the perpetrator of the crime of intentional or premeditated abuse as The main punishment and if the victim's family forgives, then the punishment is changed to Diat which can then be replaced again with the Ta'zir punishment. (2) The provision of sanctions for planned persecution in Islamic criminal law upholds the principles of justice and the usefulness of sanctions. By imposing appropriate and fair punishments, and ensuring that these sanctions are beneficial to society, Islamic criminal law is able to create a safe and just environment.

This study aims to analyze the role of Islamic microfinance institutions in developing micro and small businesses in Indonesia through the distribution of funds based on sharia principles. The method used is a literature review to identify how Islamic financing schemes, such as mudharabah and musyarakah, contribute to increasing access to capital for small business actors. The results of the study show that Islamic microfinance institutions provide more inclusive and fair financing and business assistance and management of social funds such as zakat, infaq, and sedekah. This supports the growth of micro and small businesses and improves the community's economic welfare. However, several challenges remain, such as low Islamic financial literacy and limited capital. Therefore, this study recommends the need for innovation in Islamic financial technology and increased public education to expand the reach and effectiveness of Islamic financial services for micro and small businesses.

The focus of this research is on the significance of prudent financial management in the context of Islamic consumption. Young families face complex financial challenges, and understanding the principles of Islam in financial management can provide a solid foundation for both financial and spiritual well-being. The objective of the study is to identify the impact of financial management on young families within the framework of Islamic consumption. The problem formulation involves a general overview of the financial challenges faced by young families and the importance of implementing Islamic principles. The research aims to analyze financial challenges, explore Islamic principles, and develop effective strategies in the financial management of young families. This article is a literature review utilizing qualitative methods. Document data is collected from relevant journals and books and analyzed using content analysis methods. The research findings indicate that financial management within the framework of Islamic consumption has a positive impact. Young families actively applying Islamic principles experience improved financial well-being, spiritual balance, and a positive contribution to society through business practices and investments aligned with Sharia principles

The growth of Islamic banks in terms of distribution of funds nationally is quite large. The large amount of funds that have been successfully distributed will ultimately improve human welfare. This is because one of the objectives of operating banking using sharia principles is to improve the level of community welfare. The problem in this research is how development impacts indigenous communities and how sharia finance impacts communities. using the literature study method to analyze how development impacts indigenous communities and how sharia finance impacts communities prepares local communities to increase their ability to participate in regional development and sharia finance. Through the literature method.

Sharia tourism policy is a government effort to develop the tourism sector by prioritizing sharia principles in all aspects. These measures include services that value Islamic teachings, such as sharia-based places to stay, restaurants that serve halal food, and entertainment programs that adhere to Islamic ethics. The aim of this policy is to increase the attractiveness of tourism among Muslim tourists and at the same time create a tourist environment that is in accordance with Islamic teachings. Thus, the sharia tourism policy is expected to contribute positively to economic growth and fulfillment of the spiritual needs of the local community. sharia tourism is the implementation of sharia principles into a form of travel activities of sharia tourist destinations. The development of Islamic tourism is currently growing rapidly because it is very much in demand by Muslim tourists who are looking for alternative travel in accordance with the principles of Islamic sharia, this research reaches the implementation of the concept of Islamic tourism in tourist destinations that are very popular and in great demand in areas with a majority Muslim population. This research uses a qualitative approach that analyzes accommodation, culinary, and tourist activities that integrate Islamic values, the results of this study show that Islamic tourism policies have a significant impact on the economic development of the region, this research discusses the Islamic tourism system and its policies where these two things have a significant impact on local economic development, through a case study approach and economic data analysis, this research identifies the effect of regional tourism policies on regional economic development.

This research aims to investigate the influence of liquidity risk on the profitability of Sharia Banks. Liquidity risk is an important factor that can influence a bank's financial performance, especially in the context of Sharia banks that operate specific sharia principles. The research method used is a quantitative approach using financial data from registered Sharia banks. The data collected covers the last five year period. The research variables studied are liquidity risk and bank profitability. The research results show that high liquidity risk can have a negative impact on profitability which can disrupt bank operations and reduce income. Effective liquidity risk management is key to minimizing this negative impact. Sharia banks need to adopt appropriate strategies and policies to manage liquidity risk well, including careful supervision of cash flows, diversification of funding sources, and development of investment instruments that comply with sharia principles. By managing liquidity risk well, banks can minimize its negative impact on profitability.

This research was carried out at PT. BPRS Washliyah Medan. The aim of this research is to understand the murabahah financing system and process implemented by PT. BPRS Al-Washliyah Medan. Murabahah financing is a sale and purchase agreement for goods stating the acquisition price and profit agreed upon by the seller whose role in this case is the Bank and the buyer whose role is the customer/prospective customer for the customer's needs, with the flavone given Rp. 25,000,000 to Rp. 250,000,000. The principles of Murabahah financing are based on Islamic sharia and established legal provisions. Murabahah financing has apparently received a lot of responses from the public and business entities, but not many people and business entities understand the procedures for obtaining murabahah financing, even though marketing has been carried out by PT. SRB Washliya.