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Islamic banks, as the name implies, are banks based on Islamic law (sharia) which do not run an interest system in their operations because this is considered a ribawi mechanism. In carrying out its operations, Islamic banks take profits by using a profit-sharing system. The operational activities of Islamic banks do not only focus on raising and channeling funds, but service quality is also an important factor in maximizing profits. The purpose of this study is to determine whether the quality of Islamic bank services has an influence on student satisfaction as Islamic bank customers. And this research consists of two variables, namely service quality and customer satisfaction. This research method uses quantitative methods with regression tests given to 40 respondents with 10 questions.    

The purpose of this research is to see how much influence the halal label has on the choice of cosmetic products (make up) among Islamic Economics students at UIN Sultan Maulana Hasanuddin Banten. This research uses quantitative methods and descriptive verification methods. This research information was collected through a survey distributed to 30 students of the Sharia Economics Study Program at UIN Sultan Maulana Hasanuddin Banten.  The data in this research were analyzed using the IBM SPSS Statistics version 25 program. According to the research results, the halal label variable has a very large and beneficial influence on the choice of cosmetics. These results are viewed from the results of hypothesis testing on the accepted variables, which show that there is a strong positive influence of the halal label variable on the assessment of cosmetic selection.

The aim of this research is to examine how the reading habits of students studying Islamic economics affect their personal growth. The task of sharia economics students is to understand economic ideas and theories that are in line with sharia law. Reading texts related to sharia economics is one approach to achieving this. Utilizing a questionnaire as a data collection tool, the research methodology is quantitative. Thirty sharia economics students were randomly selected to become the research sample. Research findings show that reading Islamic economics books regularly has a good and big impact on students' self-development in this subject. The significance value (p) of 0.000 and correlation coefficient (r) of 0.784 support this.

. Sharia banking in Indonesia is present with the principle of Islamic Shariah. Limited products and services, making sharia banking market share grow slowly. Therefore, a marketing strategy is needed that can increase market share, with a transparent strategy. The aim of this research is to find out how marketing strategies are transparent for sharia banking and what challenges sharia banks face in marketing products. Research methods use descriptive qualitative methods with a legal approach. This is done by using the Law as a basis for analyzing research topics. As a result, a transparent marketing strategy is the main strategy in marketing sharia banking products, asit is in line with the principles of Islamic shariah. Besides, the challenge faced by sharia banking is still a lack of awareness of the Islamic community in the economic sphere. One of them is an abai against the presence of conventional bank interest that is a interest.  

With its development, society expects needs, one of which is in the field of financial transactions, one of which is a financial process framework. Advances in information technology in the service sector have been utilized by product marketing and financial institutions, especially Bank Syariah Indonesia. With the launch of sharia banking service information technology known as BSI Mobile. The presence of BSI Mobile makes it easier for every customer to get services and products without having to go to the nearest office. And with BSI Mobile, it is hoped that Bank Syariah Indonesia can achieve customer satisfaction in using it. This research focuses on improving service quality and Mobile Banking product quality on customer satisfaction at PT. Bank Syariah Indonesia KCP Bogor Citeureup 3. The research method used is a quantitative method approach with data collection techniques using accidental sampling or non-probability using the entire population when dealing directly at the BSI Citeureup office 3. The population in question is all customers who have BSI Bank savings, totaling 50 respondents using a questionnaire on a Likert scale. In data processing for analysis using SPSS 25 software with multiple regression analysis techniques with results Y = 8.311, X1 = 0.287, for X2. And simultaneously, the two independent variables get a calculated F of 20.682. In terms of the coefficient of determination, it was found that the two independent variables had an influence of 51.8%. This research shows that there is a positive and significant partial or simultaneous influence between the service quality and product quality variables on customer satisfaction at PT. Bank Syariah Indonesia KCP Bogor Citeureup 3.    

Technological developments in Indonesia have experienced a significant surge in recent years.  Technological developments in Indonesia also have a positive impact on sharia banking.  As a result, sharia banking in Indonesia is not only able to compete with conventional banking, but also contributes to overall economic stability and financial inclusion, strengthening Indonesia's position as one of the global sharia financial centers.  However, even though Islamic banks are experiencing rapid development with the support of digital technology, there will certainly be developments and challenges that will be faced by Islamic banks themselves.  The development of Islamic Banking has demonstrated its relevance in the global financial discourse with an increasingly expanding role, based on the principles of ethics and financial justice.  To overcome these challenges, Islamic banks can take strategic steps.

Sales of goods and services are significantly impacted by fluctuations in the level of people's income. The community’s financial stability is crucial for the continuity of economic operations according to sharia principles in Islamic microeconomics. Islamic microeconomics does not only seek profit, but additionally aims to enhance the welfare of the people in a fair and sustainable manner. Because justice, brotherhood, and cooperation are elements that can offer options for fluctuations in human income. The object of this research is BTC Watampone. This study’s objective is to examine how changes in income impact the level of sales from an Islamic economic point of view. This study employs a literature review-based quantitative method, which relies on various library sources to gather the required information. The study’s findings indicate of this study show that the elasticity of sales volume in 2015 was Ep = 0.723, which indicates that Ep < 1 and sales volume is classified as inelastic. While the elasticity of sales volume in 2016 is Ep = 17.2, which indicates that Ep > 1 and sales volume is classified as elastic.

Sharia accounting faces significant challenges in the era of globalization, including integration with international standards, technological adaptation, and emphasis on sustainability and responsible finance. However, Islamic accounting also offers the opportunity to become an ethical and sustainable financial model, with principles such as the prohibition of investments that are environmentally or socially damaging. To develop these financial practices, inter-institutional collaboration, increasing sharia financial literacy, and developing better standards are needed. Thus, sharia accounting can strengthen its position in the global economy and help build a more just and sustainable society.

This research aims to find out the mechanism for implementing Islamic business ethics among traders in the Gus Dur Tomb religious tourism area, Jombang. This research uses a qualitative descriptive approach with direct observation and in-depth interviews. Data was collected through observation, interviews with traders, and literature study. The research results show that many traders in the region do not fully understand and apply the principles of Islamic business ethics in their trading activities. Unhealthy trading practices that are not in accordance with sharia are still found, even in religious tourism areas. This research suggests the need for education and outreach regarding Islamic business ethics to traders to create a market environment that is fairer and in accordance with Islamic principles.

This article investigates the principles and practices of Akad Ijarah and its application in Islamic banking. Using a literature review method, this article explores the fundamental concept of Akad Ijarah and analyzes its implementation in the context of Islamic banking. The research aims to provide a deep understanding of the structure, mechanisms, and benefits of Akad Ijarah for Islamic financial institutions. The analysis results present a comprehensive overview of how Akad Ijarah is implemented in the practices of Islamic banking, as well as the challenges and opportunities it faces. These findings have significant implications for the development of Islamic banking products and services that adhere to Shariah principles. In conclusion, this research highlights the importance of a solid understanding of Akad Ijarah in ensuring the compliance of Islamic banking with Shariah principles.  

The role transformation of the National Sharia Board Dewan Syariah Nasional (DSN); one of the organizational structures in Indonesian Ulama Council Majelis Ulama Indonesia (MUI) in the dynamics of fatwa determination in the modern era is an important topic to be studied in the context of rapid social, economic, and technological change. This article aims to analyze how DSN-MUI adapts to the challenges of modern times and develops a methodology for setting fatwas that is relevant and responsive to the needs of contemporary society. Through a comprehensive literature review, this article highlights the evolution of the DSN's function from the establishment of conventional fatwas towards a more dynamic and inclusive approach, including in the field of sharia finance, halal products, and other social problems. This transformation reflects DSN-MUI's efforts to remain relevant and provide accurate and applicable guidance for Muslims in Indonesia in facing modern issues.

This thesis aims to: 1) To understand how the role of madrasah diniyah in supporting the tahfidz program at PPTQ Baitul 'Abidin Darussalam Wonosobo. 2) To find out how the tahfidz program at PPTQ Baitul 'Abidin Darussalam Wonosobo. 3) To find out the supporting and inhibiting factors of madrasah diniyah in supporting the tahfidz program at PPTQ Baitul 'Abidin Darussalam Wonosobo.This thesis uses a descriptive qualitative approach where the type of research is field research. Data collection techniques using observation, interview and documentation methods. The analysis technique used is data reduction, data presentation and conclusion drawing.The results showed that: 1) The tahfidz program at PPTQ Baitul 'Abidin Darussalam is reciting with 3x deposits for muroja’ah and 1x for ziyadah. In addition, there are also up and down juz and ngglondong programs that aim to strengthen memorization. PPTQ Baitul 'Abidin Darussalam Kalibeber Wonosobo also has a vision in the tahfidz program, namely to form a generation of huffadz who have Qur'anic souls and are proficient in general science (shari'at), so that in memorizing students it is recommended to be able to understand and practice the contents of the Al-Qur’an. 2) Equipping students with religious sciences (shari'at) that are salafiyah, where sciences like this are not taught in formal educational institutions. After being able to learn the sciences of sharia, students will understand better and find it easier to practice in everyday life. So that it can realize a Qur'an memorizer who can practice what is memorized so that it is more useful. 3) The supporting factors for the role of madrasah diniyah in supporting the tahfidz program at PPTQ Baitul 'Abidin Darussalam Kalibeber Wonosobo are curriculum management and a systematic teaching and learning process. While the obstacle is that some students are still boarding for the first time, making students less interested in learning and having difficulty understanding the lessons, of course it takes a long time to be able to adjust to the environment, besides that the infrastructure is still inadequate.

development of sharia economics in Indonesia, sharia financial institutions, especially Baitul Maal Wat Tamwil, have the main goal of being able to help and alleviate problems, especially the problem of limited capital based on Sharia principles. Because many entrepreneurs have limited business capital. Therefore, with this research, entrepreneurs who need it will have information about the financing mechanism with a Mudharabah agreement, for those who have limited business capital. BMT UGT Nusantara has several financing products, one of which is the mudharabah contract. Mudharabah financing is an agreement where the shohibul maal provides funds to the mudharib with the profits divided according to the profit sharing and nibah agreed at the beginning of the contract. The mudharabah financing mechanism at BMT UGT Nusantara Kepanjen requires members to fulfill the requirements, then the BMT will carry out analysis and observations to ensure the eligibility of the recipient of the financing, if it has been approved they will inform you of the disbursement of funds and carry out an agreement. When the contract is executed, BMT and the customer enter into an agreement on the division of the ratio and margin. This research uses qualitative methods, with field research and interviews with BMT staff as a means of obtaining information

This research aims to analyze the implementation of the Maqasid Shariah approach in fiscal policies to achieve social welfare and green economic development, focusing on the case study of PT. Bank Syariah Indonesia Tbk for the period 2021-2023. The research method employed is descriptive analytics with a qualitative approach. Data were obtained through documentation/library studies. Data analysis was conducted using Content Analysis techniques. The results of the study indicate that PT. Bank Syariah Indonesia Tbk has implemented the Maqasid Shariah approach in designing fiscal policies by considering aspects of social welfare and green economic development. The fiscal policies implemented have had a positive impact on societal welfare and have contributed to sustainable and environmentally friendly economic development. This research is expected to contribute to the understanding of the implementation of Maqasid Shariah in the context of Islamic finance and economics and serve as a reference for Shariah financial institutions in formulating fiscal policies oriented towards social welfare and green economic development. .  

There was a spin off policy initially envisaged in Act No. 12 of 2008, but by mid-2023, the OJK subsequently issued POJK No.12 of 2023. The study aims to analyze the development of Sharia banking in Indonesia by implementing a spin-off on the Sharia Business Unit owned by a conventional general bank. This type of research is qualitative research, with the type of analysis used namely analysis of skunder data presented descriptively. This research is carried out by means of a library study or literature review which is taken from various available sources such as data or documents published by the Bank of Indonesia, journals, books, articles, as well as other reading findings related to the research topic. The results of this study show that the development of Sharia banking in Indonesia by implementing a spin-off on the Sharia Business Unit owned by the Conventional General Bank has grown significantly, it is proven with several banks that have joined BUS, recorded in the performance report of the OJK that 14 banks have become Sharia General Bank using different schemes in the process.

This article is a literature review that discusses challenges and opportunities in the development of Sharia banking in the digital era. With the rapid development of technology, the Sharia banking industry is faced with various changes that affect operational methods, services, and interactions with customers. This study explores the various challenges faced by Sharia banking in the digital era, such as data security, technology integration, and regulatory adaptation. In addition, this article also discusses the opportunities that open up for the development of Sharia banking in the digital era, including the potential to increase financial access for the community, the development of innovative products and services, as well as the strengthening of relationships with customers through digital platforms. By understanding these challenges and opportunities, the Sharia banking industry can formulate the right strategy to take advantage of the potential of digitization in expanding coverage and improving sustainability.

The development of information technology, especially through gadgets, has changed the business landscape significantly, even among students. This study aims to investigate the role of gadgets in increasing the business effectiveness of students majoring in Sharia Economics at STAIN Bengkalis. Qualitative research methods were used to gain a deeper understanding of how gadgets influence student business practices. The research results show that gadgets make a major contribution to increasing student business effectiveness. By using gadgets, students can access real-time market information, facilitate communication with clients and business partners, and optimize time management and productivity. Apart from that, gadgets are also an important tool in developing business networks and promoting products or services. These findings highlight the importance of integrating technology in Sharia Economics education to prepare students to face business challenges and opportunities in the digital era.

The aim of carrying out this research is to find out the implementation of the Sharia productive financing program in increasing income at PT Pemodalan Nasional Madani Syariah Pujon. The type of research used in this research is field research (Field Research). This research approach is descriptive analysis. This research aims to determine the impact of the Sharia productive financing program on increasing the income of women's MSMEs in Pujon. In preparing this research, the author clarified the data sources into 2 types, namely: 1) Primary data; 2) Secondary Data. Data collection techniques in this research were obtained through the following methods and stages: 1) interviews; 2) Observation and 3) documentation. The results of this research are the productive financing application mechanism at PT Permodalan Nasional Madani, namely that prospective customers submit applications by bringing initial documents and filling in the financing application form. Customers who take out or carry out productive financing with PT Permodalan Nasional Madani as a business need, the micro-business runs by the customer experiences an increase in income. So that with this financing, the business run by the customer can develop and increase the customer's income. By increasing the stock of goods or equipment in the business run by the customer, the business also experiences progress in terms of income, production and performance

Bank Syariah Indonesia has been providing Islamic financial products and services, including murabahah agreement, in order to cater to the growing demand for Sharia-compliant financing options. One of the key areas where murabahah agreement is applied is in the financing for purchasing homes, known as Griya Purchase Financing. Griya purchase Financing is one of the financing companies owned by BSI KCP Gatsu Denpasar. However, this financing often encounters problems in the purchase process. The aims of this study are: to find out the factors that lead to a murabahah contract in the financing of a purchase griya at BSI KCP Gatsu Denpasar and to find out the process of financing the griya purchase at BSI KCP Gatsu Denpasar. The research method used is a descriptive qualitative method with data collection techniques through observation, interviews, and documentation. The data analysis technique used is the Miles and Huberman model, which includes data collection, data reduction, data presentation, and data verification. data validity technique with the triangulation technique. The results of the study found: 1) There are factors that cause a murabaha contract to occur, namely the presence of the object of the contract; 2) The murabaha contract process by submitting asset documents to the consumer as a sign of consent qabul with the consumer. And financing for purchase houses that are free from usury in accordance with the Fatwa of the National Sharia Council, MUI No.04/DSN-MUI/IV/2000, dated April 1, 2000, conceming murabahha.; 3) The process of financing purchase housing includes BSI having the terms and benefits of financing purchase housing. To attract consumer, as well as with light installments, one of the benefits of purchase financing at BSI is that consumers still feel able to meet other needs.

This article discusses one of the employment problems in Indonesia, namely unemployment. This relates to employment management, including conventional and sharia (Islamic) components. The economic and social aspects of people's lives are greatly influenced by where they work. In a sharia (Islamic) perspective, employment and unemployment are aspects of employment issues with certain ethical and moral guidelines. This article discusses and investigates conventional and sharia perspectives on the problem of unemployment, including its definition, causes, solutions and implications for the Indonesian labor market. Researchers used qualitative techniques and library research data to write this article.