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Herman Sjahruddin; Irfai Sohilauw; A. Sulfati; Muh.Umar Data; Siti Mispa +3 more

Jurnal Pengabdian Sosial dan Kemanusiaan 2026 Lembaga Pengembangan Kinerja Dosen

Malino City in Gowa Regency plays a crucial ecological role as a water catchment area, yet it currently faces the threat of land degradation due to land-use conversion and erosion in hilly areas. This community service activity aims to implement soil conservation while enhancing the economic potential of local residents through the planting of productive fruit tree seedlings. The methods employed include educational socialization, training on planting techniques for sloped land, and the distribution of superior fruit tree seedlings (avocado, durian, and orange). The results indicate an increase in community understanding regarding the importance of permanent vegetation in maintaining soil stability. A total of [Mention number] tree seedlings were planted with the active participation of local farmer groups. In conclusion, the integration of ecological and economic aspects through productive trees creates a sustainable conservation system by providing direct financial benefits to the community, thereby increasing their motivation to preserve the environment in the Malino region.

Westerini Lusdani; Winta Panimba; Rati Pundissing; Dwibin Kannapadang; Agustinus Mantong

Ekspresi : Publikasi Kegiatan Pengabdian Indonesia 2026 Asosiasi Seni Desain dan Komunikasi Visual Indonesia

This Community Service Program (PkM) aims to strengthen the role of adolescent parents through education on parenting during puberty and family financial literacy in Lembang Tondon Langi’, Tondon District, North Toraja Regency. Through two training sessions led by Ibu Rio Rita Pakan and Ibu Westerini, the program focused on enhancing the knowledge and skills of parents in addressing the challenges of parenting adolescent children and managing household finances. The first session, which addressed parenting during puberty, provided parents with insights into the characteristics of adolescent development and effective communication strategies. The second session, which focused on family financial management, offered practical skills in budgeting, debt management, and saving for the future. The results of the program showed that parents in Lembang Tondon Langi’ felt more prepared and confident in applying a more open and adaptive approach to parenting, as well as becoming more prudent in managing household finances. The enhancement of skills in both areas is expected to create more harmonious families and greater financial stability. The sustainability of the program is recommended through the formation of ongoing discussion groups and the active involvement of community leaders. This program has contributed positively to family welfare and the empowerment of parents in rural areas

Deasy Widyastomo; Yosef Lefaan; Irlon Irlon

Software Engineering in Computing Systems 2026 Asosiasi Pengelola Jurnal Informatika dan Komputer Indonesia

This study investigates the adoption of adaptive DevOps practices in embedded systems used in safety-critical industrial applications. Traditional DevOps models, which are primarily designed for cloud-based systems, face significant challenges when applied to embedded platforms due to hardware constraints, real-time performance requirements, and stringent safety standards. The research focuses on developing a tailored DevOps framework that integrates continuous integration/continuous delivery (CI or CD) pipelines, automation, real-time monitoring, and safety assurance processes to enhance system reliability, performance, and compliance with regulatory standards. The study uses a case study methodology, involving embedded system teams across multiple industrial sectors, to assess the impact of these adapted DevOps practices on system stability and operational efficiency. Key findings show that the adoption of adaptive DevOps practices led to significant improvements in system reliability, performance, and deployment stability. Continuous feedback mechanisms allowed for early issue detection and faster resolution, leading to enhanced system uptime and responsiveness. Additionally, the integration of safety assurance into the DevOps pipeline ensured that safety-critical systems complied with required safety integrity levels and certification standards. The study further explores the integration of DevOps with embedded safety-critical systems, highlighting the benefits of cross-domain collaboration, enhanced communication, and the ability to address the unique challenges of these platforms. The research also underscores the limitations of conventional DevOps models in embedded systems and presents practical implications for the wider adoption of DevOps in safety-critical industrial applications. Future research is recommended to refine DevOps frameworks for embedded systems, integrating emerging technologies like the Industrial Internet of Things (IIoT) and Digital Twins to further optimize performance, security, and predictive maintenance.

Aeni Latifah; Neng Lailatul Faaizah; Syifa Aqmaliyah

Jurnal Riset Rumpun Ilmu Pendidikan 2026 Lembaga Pengembangan Kinerja Dosen

Honesty (ṣidq) is a fundamental moral value in Islam that serves as the foundation for personal integrity and social ethics. In the current era of globalization and growing materialistic culture, this value faces serious challenges as societal orientation shifts from moral virtue to economic achievement and social image. This study employs a narrative review method, analyzing recent literature on moral education, Islamic ethics, and contemporary social dynamics. The findings reveal that honesty functions not only as a personal virtue but also as a social force that strengthens public trust and national stability. However, the global wave of materialism has weakened the internalization of ṣidq, especially among younger generations. Restoring honesty as the moral identity of the nation requires synergy among character-based education, spiritual reinforcement, and public policies that promote transparency and integrity. The recontextualization of honesty through Islamic spiritual principles and Rokeach’s value theory offers a path toward moral recovery for Indonesian society amid the global challenges of the 21st century.

Muhammad Agus Septiawan; Fiky Anggara; Zidan Alvie Nugroho; Zaldy Irhas Addiyat

Modem : Jurnal Informatika dan Sains Teknologi 2026 Asosiasi Profesi Telekomunikasi Dan Informatika Indonesia

Video steganography faces fundamental challenges in balancing embedding capacity, imperceptibility, and robustness, where conventional Least Significant Bit (LSB) methods often produce visual artifacts such as flickering. To address this, this research proposes an advanced method named Adaptive Multi-layer LSB, which dynamically adjusts the number of embedded bits in each pixel based on a multi-factor analysis of the video's spatial and temporal characteristics. This adaptation mechanism is evaluated through three primary criteria: brightness level, local texture complexity, and inter-frame motion stability. Quantitative evaluation using Peak Signal-to-Noise Ratio (PSNR), Structural Similarity Index (SSIM), and Frame Difference Stability Index (FDSI) metrics demonstrates that the proposed method achieves high visual quality, with an average PSNR of 42.15 dB and SSIM of 0.985. These results significantly outperform the non-adaptive approach, which only recorded a PSNR of 38.5 dB. More importantly, the FDSI value of this method (1.25) is much lower compared to the non-adaptive approach (3.40), demonstrating its superiority in maintaining temporal stability. Thus, this approach provides a significant contribution to enhancing security and quality in video steganography practices. Abstract: Video steganography faces fundamental challenges in balancing embedding capacity, imperceptibility, and robustness, where conventional Least Significant Bit (LSB) methods often produce visual artifacts such as flickering. To address this, this research proposes an advanced method named Adaptive Multi-layer LSB, which dynamically adjusts the number of embedded bits in each pixel based on a multi-factor analysis of the video's spatial and temporal characteristics. This adaptation mechanism is evaluated through three primary criteria: brightness level, local texture complexity, and inter-frame motion stability. Quantitative evaluation using Peak Signal-to-Noise Ratio (PSNR), Structural Similarity Index (SSIM), and Frame Difference Stability Index (FDSI) metrics demonstrates that the proposed method achieves high visual quality, with an average PSNR of 42.15 dB and SSIM of 0.985. These results significantly outperform the non-adaptive approach, which only recorded a PSNR of 38.5 dB. More importantly, the FDSI value of this method (1.25) is much lower compared to the non-adaptive approach (3.40), demonstrating its superiority in maintaining temporal stability. Thus, this approach provides a significant contribution to enhancing security and quality in video steganography practices.

Eva Fatonah; Muhammad Alif

Akhlak : Jurnal Pendidikan Agama Islam dan Filsafat 2026 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

This research is motivated by attention to the phenomenon of verbal violence which is increasingly common and often occurs without realizing it or is not guaranteed now. The emergence of verbal violence is very detrimental, both from the virtual world or social media and the real world by intimidating people by using harsh words. This research aims to analyze and identify Abuse Verbal Actions from a Hadith Perspective. Making fun of, criticizing, or ridiculing, giving bad titles, looking for other people's faults, and backbiting each other are abusive verbal behaviors, these actions have serious impacts such as disrupting self-confidence, mental disorders,increasing the risk of suicide, creating hostility and revenge, stress, eating and living disorders, and emotional instability. Hence, it is crucial for us to be mindful of our words, express love, and consistenly engage in constructive actions, both in the digital realm and the physical world. This imvolcus practicing prayer, cultivating patience, appreciating prayer, cultivating patience, appreaciating the diversity in human character, and maintaining a constant awareness of Allah SAW. This research uses library research with a qualitative descriptive approach so that conclusions can be drawn more comprehensively and integratively.

Stelio Ramadhano; T. Hilman Al Fariz

Deposisi: Jurnal Publikasi Ilmu Hukum 2026 International Forum of Researchers and Lecturers

The rapid expansion of digital technology has intensified the circulation of pornographic content, making it increasingly accessible across various online platforms and posing significant risks to social, psychological, and moral stability. This study aims to examine the underlying factors contributing to the spread of pornographic content, its impact on individuals and society, and the urgency of strengthening regulatory and preventive measures. Using a qualitative approach supported by interviews and questionnaires distributed to university students in Jatinangor and Bandung, the research explores public perceptions, access patterns, and social responses regarding pornography in digital spaces. The findings reveal that most respondents consider pornography dissemination a deviant behavior, with economic motives and revenge-driven actions emerging as predominant driving factors. The study also shows that existing legal regulations are perceived as insufficient in mitigating the rapid growth of pornographic content online. These results highlight the importance of enhancing digital literacy, strengthening law enforcement, and promoting moral education to reduce the risks associated with pornography exposure. The study contributes to a deeper criminological understanding of deviant behavior in digital environments and underscores the need for collaborative societal efforts to address this phenomenon.

Ahmad Affan; Fahmi Hidayat; Gilang Ramadhan

Merkurius : Jurnal Riset Sistem Informasi dan Teknik Informatika 2026 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Information security incidents within government institutions have become a critical issue due to their potential impact on public trust and socio-economic stability. This study examines the social and economic impacts of information security incidents at the General Election Commission (KPU) of Jambi Province. The research aims to identify the types of security incidents that occurred, analyze their social and economic consequences, and evaluate mitigation efforts implemented by the institution. This study employs a qualitative case study approach, using data collection techniques including document analysis, media reports, and interviews with relevant stakeholders. The findings indicate that information security incidents significantly affect public trust in electoral institutions, increase public anxiety regarding personal data protection, and generate additional economic costs related to system recovery, security enhancement, and administrative delays. Furthermore, the incidents also indirectly affect voter participation and institutional reputation. The study highlights the importance of strengthening information security governance, improving human resource awareness, and implementing comprehensive risk management strategies. The results of this research are expected to contribute to the development of more resilient information security policies in public sector institutions, particularly in electoral management bodies.

Desi Karlina; Reflis Reflis; Rina Hikmawati; Tri Arrizki; Rama Fajarwanto

Jurnal Publikasi Ekonomi dan Akuntansi 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The price of horticultural commodities such as potatoes is highly vulnerable to market fluctuations influenced by factors such as harvest season, distribution, and consumer demand. This study aims to analyze the trend and fluctuation of potato prices in Muara Enim Regency over the past five years, from 2019 to 2023. A descriptive quantitative approach was employed, utilizing secondary data consisting of monthly potato prices in Indonesian rupiah per 100 kilograms. The data were analyzed using average annual prices and the coefficient of variation (CV) to measure the price stability each year. The results indicate significant changes in potato prices across the years. The highest average price occurred in 2021, reaching Rp 879,167 per 100 kg, while the lowest was recorded in 2019 at Rp 760,417. The CV analysis revealed that 2023 was the most volatile year with a CV of 14.75%, indicating a high level of market instability. In contrast, 2022 had the lowest CV at 3.00%, indicating relatively stable prices throughout the year

Sulistya Ningsih; Tarmizi Silalahi; Ananda Wahid Siregar; Reni Ria Armayani Hsb

Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to analyze the role and effectiveness of Islamic monetary policy in Indonesia in facing digital transformation, particularly through the instruments of Sertifikat Bank Indonesia Syariah (SBIS) and Sukuk Bank Indonesia (SukBI). The digital transformation of the national financial system demands an adaptive monetary policy that remains grounded in the principles of maqashid shariah. In the context of Islamic economics, monetary policy not only functions to regulate the money supply and maintain price stability but also ensures the realization of justice and economic welfare. This research employs a descriptive qualitative approach, using literature-based data collection from official publications of Bank Indonesia, the Financial Services Authority (OJK), and relevant academic references on Islamic monetary policy. The analysis adopts an inductive approach by examining the roles of SBIS and Sukuk BI in supporting the stability of the Islamic financial system and their alignment with maqashid shariah values such as al-‘adl (justice), al-wudhuh (transparency), and ar-rawaj (circulation of wealth). The findings indicate that digitalization has positively impacted the efficiency and transparency of Islamic monetary instruments, where SBIS plays a role in regulating the liquidity of Islamic banks in a non-usurious manner, while Sukuk BI serves as an essential instrument in maintaining national economic stability. Nevertheless, challenges remain, including the limited digital infrastructure for Islamic finance and the need to strengthen regulations to ensure that digital monetary systems remain consistent with sharia principles.

Tesa Br Simbolon; Nadia Mayluna; Asy Syifa Aisyah Huril Ain Wibowo; Mohamad Narandika; Septi Yulia Ratih +4 more

Jurnal Publikasi Ekonomi dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The rapid advancement of information technology has encouraged business actors to adopt digital transformation; this situation is also experienced by Pabrik Tahu Macanan, a small scale tofu factory in Magelang that still relies on manual systems in operation. This  study aims to analyze the implementation of management information systems in supporting digital transformation and risk management at Pabrik Tahu Macanan; a descriptive qualitative approach was applied, using interviews, observations, and documentation as date collection methods. The findings reveal that digital information systems have the potential to improve efficiency, recording accuracy, and internal control; however, their implementation remains limited due to human resource constraints and low adaptability to new technologies. The research also found that simple risk management practices such as regular machine maintenance and manual bookkeeping remain effective in maintaining business stability. The implication of this study indicates that a gradual implementation of digital based information systems, supported by training and supervision, can serve as a strategic step to enhance competitiveness, operational efficiency, and sustainability for traditional SMEs like Pabrik Tahu Macanan.

Ronni Haga; Sunaryo Neneng

Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study analyzes the economic phenomenon known as the "Purbaya Effect" in the Indonesian capital market during the second half of 2025. This phenomenon is characterized by a significant surge in the Jakarta Composite Index (IHSG), which broke the All-Time High (ATH) record 21 times within four months following the appointment of Purbaya Yudhi Sadewa as Minister of Finance. Using a mixed-methods approach combining quantitative market data analysis and qualitative policy review, this research finds that the "Purbaya Effect" is driven by aggressive liquidity injection policies (Rp 200 trillion), institutional trust built during his tenure at LPS, and strong narrative economics. However, this study also identifies significant risks related to exchange rate volatility and potential economic overheating. The findings suggest that while the "Purbaya Effect" successfully restored short-term investor confidence, long-term sustainability depends on the balance between growth acceleration and macroeconomic stability.

Rio Ferdika; Tamaulina Br. Sembiring; Tubagus Aditya Wardhana; Davina Sarah Azzevi

Parlementer : Jurnal Studi Hukum dan Administrasi Publik 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Criminal offenses of theft are one of the most frequent forms of crime in society and have wide-ranging impacts, not only on the individual victim but also on legal order and social stability. This study aims to analyze the impact of theft offenses on legal order and social life, while also examining the role of criminal law in addressing such crimes. The research method used is qualitative with a descriptive approach through literature study, observation, and interviews with law enforcement officers and the public. The results of the study show that the prevalence of theft offenses can decrease public safety, weaken public trust in law enforcement agencies, and disturb social order and harmony. Furthermore, theft also leads to a decline in legal compliance and an increase in the potential for vigilante justice. Therefore, consistent, effective, and just law enforcement is required, along with increasing public legal awareness as efforts to maintain legal order and create a safe and orderly social life.

Karlin Karlin; Amanda Pasca Rini; Andik Matulessy

Journal of Health Sciences, Public Health and Pharmacy 2025 International Forum of Researchers and Lecturers

Significant changes occurring today are characterized by technological disruption, demographic shifts, globalization, and economic instability. The combination of these factors creates complex challenges for human resources (HR) in adapting and enhancing their capabilities. The purpose of this study was to examine the relationship between organizational commitment and perceptions of transformational leadership style with Organizational Citizenship Behavior of teachers in Surabaya. The research subjects were 397 teachers in Surabaya, East Java. The sampling technique used was purposive sampling. Data was collected through scale filling using Google Forms. The measurement instruments in this study were the Organizational Citizenship Behavior Scale, the Organizational Commitment Scale, and the Transformational Leadership Style Perception Scale. The data analysis used multiple linear regression analysis. The results showed that there was a significant positive relationship between organizational commitment and perceptions of transformational leadership style with Organizational Citizenship Behavior. The higher the organizational commitment and perceptions of transformational leadership style, the higher the Organizational Citizenship Behavior among teachers. There was a significant relationship between organizational commitment and Organizational Citizenship Behavior, and there was also a significant positive relationship between perceptions of transformational leadership style and Organizational Citizenship Behavior. The higher the perceptions of transformational leadership style, the higher the Organizational Citizenship Behavior among teachers.

Asy’arie, Bima Fandi; Ardiansyah, Ahmad; Susanti, Septiani Selly; Fatimah, Siti; Permatasari, Ermanita

Hikmah : Jurnal Studi Pendidikan Agama Islam 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

This study aims to determine the role of Islamic scholars in developing Islamic education, then analyze the contribution of the Islamic organization Nahdlatul Ulama (NU). This research method is a library study (library research) with historical documents (historical document research) with a qualitative approach. Data obtained from two search sources, “Google Scholar” and “ScienceDirect.” The discussion in this article identifies, first, the role of Islamic scholars in developing Islamic education, namely: managing Islamic boarding schools as centers of Islamic education; maintaining Islamic identity and nationalism; establishing and managing madrasas; teaching Islam informally; and helping maintain social stability. Second, the contribution of the Islamic organization Nahdlatul Ulama (NU) includes maintaining Islamic boarding schools as centers of Islamic education, developing a curriculum based on Islamic tradition, instilling a spirit of nationalism through education, establishing madrasas and non-formal educational institutions, and maintaining traditional Islamic educational networks. In addition to preserving religious heritage, these ulama and the NU organization taught the next generation about knowledge and a sense of nationalism, strengthening the foundation of Indonesian society during the colonial period.

Ali Mahfud; Diana Puspitasari

Proceeding of the International Conference on Management, Entrepreneurship, and Business 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The COVID-19 pandemic has increased public interest in investing, especially in the banking sector, which is known for its stability. However, many investors still lack an understanding of fundamental analysis. This study aims to examine the effect of Return on Asset (ROA), Return on Equity (ROE), and Net Profit Margin (NPM) on stock prices of banking companies listed on the Indonesia Stock Exchange during the 2011–2023 period. The research used a quantitative approach with purposive sampling and multiple linear regression analysis using SPSS. The results show that ROA has no significant effect on stock prices. In contrast, ROE has a significant negative effect, while NPM has a significant positive effect on stock prices. These findings indicate that investors tend to consider net profit margins more than asset efficiency, and that high ROE may be perceived as a signal of high leverage risk. This research is expected to provide insights for investors in assessing banking performance before making investment decisions.

Kamelia Indah Sari; Fredericho Mego Sundoro

Proceeding of the International Conference on Management, Entrepreneurship, and Business 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Economic forecasting is becoming increasingly important year after year, especially during crises such as the pandemic of COVID-19 and the Russia-Ukraine war. Its development can be seen from the use of basic statistical models to the increasingly widespread use of machine learning technology. Economic forecasting plays an important role in helping to formulate policies and is also a reliable tool for researchers in dealing with uncertainty. Global crises, such as inflationary pressures due to the pandemic and supply chain disruptions from the Russia-Ukraine conflict, have prompted increased research in this field in an effort to anticipate economic shocks and emphasize the urgency of forecasting to prepare strategies for dealing with future uncertainty. This literature review uses the Scopus database with 2561 publications from 2020 to 2025, analyzed using R Studio with a bibliometrix approach (specifically biblioshiny) and VOSviewer to map relevant thematic connections. This analysis shows that economic forecasting is greatly influenced by market uncertainty and geopolitical factors, and at the same time influences public policy formulation and financial stability. Research contributions from Indonesia are still limited, with only 40 documents, thus emphasizing the need to strengthen economic forecasting studies in Indonesia to support monetary policy and national financial stability.

Rachmatika, Rinna; Desyani, Teti; Khoirudin

Journal of Information Technology and Computer Science 2025 International Forum of Researchers and Lecturers

Diseases in primary health services exhibit complex spatial-temporal dynamics due to urbanization and population mobility. Conventional surveillance approaches are difficult to capture these patterns adaptively. Machine learning (ML) based on spatio-temporal modeling offers a solution with the ability to detect disease clusters automatically and with high precision. Research Objectives: This research aims to develop a machine learning model to detect disease hotspots from primary service data in Indonesia, with a focus on improving prediction accuracy, interpretability, and relevance of health policies. Methodology: The primary service dataset for 2024 (5,343 entries) was analyzed using three ML models Gradient Boosting Machine (GBM), Temporal Random Forest (TRF), and Multi-EigenSpot with spatial (village) and temporal (week, month) features. Performance evaluation includes predictive (AUC, F1-score) and spatial (Moran's I, Spatio-Temporal Correlation Index) metrics. Results: The results showed that Multi-EigenSpot achieved the best performance (AUC=0.91; F1=0.86), with the detection of dominant hotspots in Sungai Asam and Beringin Villages. Moran's I value of 0.63 indicates a strong spatial autocorrelation, while STCI=0.57 indicates moderate temporal stability. Conclusions: ML-based spatio-temporal models are effective in identifying hidden disease patterns and have the potential to be integrated into national digital surveillance systems. This approach supports precision public health by providing a scientific basis for real-time location- and time-based intervention policies.

Ivana Dea Amelia; Syamsul Hidayat

Jurnal Bisnis Kreatif dan Inovatif 2025 Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia

This study aims to analyze and understand the development of the financial sector in Indonesia through a literature review covering four main aspects: banking, financial digitalization, fiscal reforms, and financial literacy, as well as their impact on economic growth and public welfare. This literature review summarizes various findings and theories regarding the dynamics of the financial sector in efforts to maintain economic stability in Indonesia. The research findings indicate that the development of the banking sector plays a significant role in driving economic growth, particularly in expanding access to financing and improving the ease of fund distribution. In addition, digitalization strengthens the growth of financial technology by expanding access to financial services. Ongoing development of technology policies aims to address challenges in financial digitalization to make it more effective and secure. Furthermore, well-targeted fiscal reforms aim to improve productivity and economic stability. Meanwhile, the public also needs to cultivate wiser financial behavior to maximize the utilization of financial services as part of enhancing financial literacy. In conclusion, the positive impact of the advancement of the financial sector benefits economic growth and public welfare in Indonesia. This study emphasizes the importance of fostering collaboration between government policies, digital innovation, strengthening financial institutions, and helping the public enhance their capabilities to create a more inclusive and sustainable financial ecosystem.

Bunga Agustina; Muhammad Aditya Sundawa; Al Fatih Faiz Fahlevi; Reni Ria Armayani

Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The concept of money in Islamic economics is grounded in the understanding that money is not merely a medium of exchange but a trust that must be managed according to the principles of justice, benefit, and ethical conduct. In this perspective, money cannot be treated as a commodity traded solely for profit without supporting real economic activities, making practices such as usury (riba), excessive uncertainty (gharar), and hoarding incompatible with Islamic values due to their potential to create inequality and economic instability. Islamic economics emphasizes that the circulation of money must be connected to the real sector to generate added value and support sustainable economic growth. Furthermore, the management of money aims to promote fairness and social balance through mechanisms such as zakat, infaq, and charity. Thus, the Islamic view of money provides an ethical foundation and practical framework for developing a financial system that is stable, inclusive, and oriented toward societal well-being.