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Islamic banking financing has become a crucial component of Indonesia's financial sector, providing a Sharia-compliant alternative to conventional financing. Despite its rapid growth, assessing the feasibility of Islamic banking financing remains a major challenge, particularly in terms of risk management, financial sustainability, and regulatory compliance. Previous studies have assessed financing feasibility using various methods, including the 5C approach (Character, Capacity, Capital, Collateral, and Conditions). However, research in this area remains fragmented, with a lack of systematic analysis of key trends, methodologies, and influencing factors. This study uses a Systematic Literature Review (SLR) to synthesize and analyze existing research on the feasibility of Islamic banking financing in Indonesia. The review covers studies published between 2020 and 2022, focusing on research distribution, analytical techniques, and key determinants affecting financing feasibility. The findings reveal that most studies emphasize credit risk assessment, financial literacy, and regulatory frameworks, but lack a unified approach to measuring feasibility. Furthermore, this study highlights gaps in the application of digital technologies, such as big data and machine learning, that can be used to strengthen the financing eligibility assessment system. The application of these technologies not only improves the accuracy of risk predictions but also enables Islamic banking institutions to reach more customers, particularly MSMEs and the informal sector, which have historically been underserved. The results of this study provide valuable insights for Islamic financial institutions, regulators, and researchers, highlighting the need for integrated risk assessment models, a better regulatory framework, and enhanced financial literacy initiatives to strengthen Islamic banking financing in Indonesia. This research contributes to the development of a more structured and comprehensive framework for evaluating financing eligibility, ensuring sustainable growth and financial inclusion in the Islamic banking sector.

The global clean water crisis is exacerbated by significant losses in water distribution networks (WDNs), resulting in inefficient use of both water and energy resources. Traditional methods of leak detection and pressure management often fail to address these inefficiencies, leading to substantial water wastage and high operational costs. This research aims to design a sustainable, smart water distribution system using advanced technologies such as Machine Learning (ML) for leak detection and automated pressure control. The system employs real-time monitoring through IoT sensors, which continuously gather data on water pressure, flow rates, and other critical parameters. This data is analyzed using various ML algorithms, including supervised and unsupervised learning models, to detect anomalies indicative of leaks. Additionally, the system integrates automated pressure control mechanisms that dynamically adjust pressure to prevent over-pressurization, reducing both water loss and energy consumption. By combining leak detection and pressure control, the proposed system offers a more efficient, sustainable solution to water resource management compared to traditional methods. The expected outcomes include a significant reduction in water loss, enhanced energy efficiency, and improved water service quality. However, the implementation of such a system in rural or small-town infrastructure faces challenges, including sensor maintenance, algorithm reliability, and regulatory issues. A cost-benefit analysis suggests that while the initial investment in smart technologies may be high, the long-term savings in water and energy costs outweigh these costs. This study underscores the potential of ML-based systems in enhancing water conservation, operational efficiency, and sustainability in water management.

The purpose of writing this service article is to provide assistance to students in reading iqro and al-qur'an in order to improve the quality of reading in accordance with the rules of tajweed science. MI Darul Ulum Kota Palangka Raya has its own challenges, namely that there are still many students who are not fluent in reading iqro and al-qur'an so they need intense teaching. Assistance in reading iqro and al-qur'an with tajweed to improve the quality of students' reading with the Asset Based Community Development (ABCD) method is a suitable solution in order to develop the assets that each student already has. This service aims to explore the effectiveness of such assistance in the context of improving the quality of students' reading in reading Iqro' and Al-Qur'an. The ABCD method is used as a framework, where this approach emphasizes the use of local potential and existing resources in the community to overcome problems. The assistance was carried out by involving one of the teachers and also several students who were not fluent in reciting the Quran to support the assistance activities of reading Iqro' and Al-Qur'an with tajweed. The results of the service showed that the assistance of reading Iqro and Al-Qur'an with tajweed was able to improve the quality of MI Darul Ulum Palangka Raya students. The existence of this service program helps teachers to be more intense in teaching students to read Iqro' and the Qur'an, and makes students more eager to continue learning regularly every day to develop the quality of their reading in reading Iqro' and also the Qur'an. With the ABCD method, Iqro' and Al-Qur'an reading assistance has opened opportunities for teachers and students in improving the quality of religious learning, as well as empowering local communities in facing educational challenges.

Education in early childhood is the main foundation in individual development, especially in forming personality, social skills and cognitive abilities. One important aspect in early childhood education is the introduction of language, especially English which acts as a global lingua franca. This research analyses the effectiveness of the bilingual program in improving the English language skills of KG 1 students at Kiddos Preschool Gianyar. Bilingual programs are introduced through various methods such as educational games, songs, stories and murals that support language development in a natural and fun way. The research results show that this program has a positive impact on the development of students' vocabulary, comprehension and speaking skills. Factors such as interactive teaching methods, teacher and parent support, and the availability of adequate learning resources are the keys to the success of this program. Suggestions are given to increase the effectiveness of the program through innovative learning methods and continuous training for teachers, as well as strengthening collaboration with parents.

Noise in educational environments can affect the effectiveness of teaching and learning processes. This study aims to analyze the impact of traffic noise on teaching and learning activities in Building V of Semarang University, located along the Soekarno-Hatta arterial road. The research method uses a qualitative descriptive approach by measuring noise levels using a Sound Level Meter on six floors of the building. Measurements were taken during active lecture hours with time intervals of 3 x 30 minutes. The results showed that noise levels on floors 1 to 3 were above the educational environment quality standard of 55 dB according to KepMenLH No. 48 of 1996. Meanwhile, on the 6th floor, the noise level averaged around 55 dB. Excessive noise makes it difficult for students to hear lecturers' explanations, reduces their ability to capture information, and decreases learning material retention. To address these issues, sound insulation installation, spatial planning improvements by designing room layouts farther from noise sources, vegetation planting, and lecture rescheduling to avoid peak traffic times are necessary.

This study aims to analyze the implementation of the management of educational facilities and infrastructure and its contribution to increasing the effectiveness of learning at SMPI Darul Ulum Sangatta Utara. The research background is based on the importance of the role of facilities and infrastructure in supporting an optimal, effective, and meaningful learning process. This study uses a qualitative approach with a descriptive method, where data is obtained through observation, interviews, and documentation of school principals, teachers, and education staff. Data analysis is carried out through the stages of data reduction, data presentation, and drawing conclusions. The results of the study show that the management of facilities and infrastructure at SMPI Darul Ulum Sangatta Utara has been carried out through five main stages, namely planning, procurement, utilization, maintenance, and evaluation. The implementation of this management is quite effective because it actively and continuously involves all school residents, especially in routine maintenance activities and the use of learning facilities. The existence of adequate facilities such as classrooms, laboratories, and information technology devices has been proven to increase student learning motivation and encourage the creation of a conducive learning atmosphere. However, some obstacles are still found, such as budget limitations and the need to update props that are no longer suitable for use. The implications of this study emphasize the importance of strategic planning and continuous evaluation in the management of facilities and infrastructure in order to continue to support the improvement of learning effectiveness, especially in the pesantren-based school environment.  

This study aims to analyze the influence of product image and ethnocentrism factors on knowledge about Uis Karo, a traditional cloth typical of the Karo people, among students of Medan Area University. Product image refers to students' perceptions of the quality, beauty, and relevance of Uis Karo as part of local culture, while ethnocentrism refers to the tendency to prioritize and value local products over foreign products. The research method uses a quantitative approach with data collection through questionnaires distributed to 98 students. The results of the analysis show that product image has a significant influence on students' knowledge of Uis Karo, where positive perceptions of the quality and aesthetics of Uis Karo increase students' interest in learning about this cultural product. In addition, ethnocentrism factors have also been shown to have a significant influence; students with high levels of ethnocentrism tend to be more interested and have better knowledge about Uis Karo. These findings imply the importance of promotional strategies that strengthen the image of Uis Karo products and strengthen ethnocentrism attitudes to increase understanding and pride in local culture among the younger generation.

The process of learning Islamic Religious Education in SLB N Banjarnegara is an educational interaction between students and the school environment. In this case, schools are given the freedom to choose the most effective learning strategies, methods and techniques according to the characteristics of the subjects, characteristics of students, characteristics of teachers, and resources available at the school. With this freedom, researchers are interested in conducting further research related to the implementation of Islamic Religious Education learning for students in SLBN Banjarnegara. This study aims to describe the implementation of Islamic Religious Education learning for students in SLBN Banjarnegara. This type of research is field research (Field Research) with a qualitative descriptive approach with data collection techniques through observation, interviews, and documentation. While the data analysis method uses Data Reduction, Data Presentation, and Conclusion Drawing. Based on the results of the research conducted by the author on the implementation of Islamic Religious Education learning for students with special needs in SLB N Banjarnegara. There are three results from this study, including (1) The concept of Islamic Religious Education learning for students with special needs (2) implementing the application of Islamic Religious Education learning with various strategies (3) Constraints and supporters of the Islamic Religious Education learning process for students with special needs. For the implementation process, the teacher delivers material that is adjusted to the abilities of the students. Meanwhile, the methods used by the teacher are lecture methods, questions and answers, and practice. In addition, it is supported by using media so that students are interested and focused on following the learning. In addition, the teacher also does not give many assignments or questions but rather does more repetition. Meanwhile, the evaluation carried out on mentally retarded children is adjusted to the abilities of the students themselves. The evaluation tools used by the teacher do not specifically have documents.  

This study aims to describe the implementation of the Quranic recitation habit before teaching and learning activities and the role of students in supporting Quranic learning activities during the internship. Quranic recitation habit is one of the school's flagship programs, aiming to instill a love of the Quran, develop religious character, and establish a Quranic learning environment for students from an early age. This study used a descriptive method with a qualitative approach. Data collection techniques were conducted through observation, interviews, and documentation during the internship. Observations were made through direct observation of Quranic recitation, memorization, muraja'ah (recitation), and moral development activities for students before the teaching and learning activities began. The results showed that the Quranic recitation habit before teaching and learning activities had a positive impact on students, including improving discipline, calmness in learning, and fostering a love of the Quran. Furthermore, student involvement in the internship contributed to supporting the Quranic learning process through memorization assistance, tahsin guidance, and moral development. Internships also provide students with practical experience in developing their academic, professional, and spiritual competencies as future educators. Thus, cultivating the habit of reciting the Quran before teaching and learning activities can be an effective means of developing a Quranic generation with noble morals and Islamic character.

The internship activities of students from the Qur’anic Studies and Tafsir Department at Universitas Islam Negeri Sumatera Utara represent a form of community service aimed at providing tangible contributions in accordance with their field of expertise. Although the students do not come from an education major, the interns at SMP Muhammadiyah 05 Medan actively participated in the religious guidance of students. The guidance activities included mentoring in Qur’an learning, Islamic Religious Education (PAI), and tahfidz (Qur’an memorization), as well as training in practical acts of worship such as the procedures for ghusl janabah (ritual purification after major impurity) and the funeral prayer (salat al-janazah). In addition, the interns also organized various Islamic competitions, including short surah recitation contests, Islamic quiz competitions, and the call to prayer (adhan) competition. This study employed a descriptive method with a qualitative approach, where data were obtained through observation, documentation, and direct participation during the internship activities. The results indicate that religious guidance through practical worship training and Islamic competitions can enhance students’ understanding, skills, and enthusiasm in practicing Islamic teachings. Therefore, the student internship program provides a positive contribution in strengthening religious values and the religious character of students at SMP Muhammadiyah 05 Medan.

The application of the philosophy of progressive education within the Merdeka Curriculum aims to create a more student-centered education system that encourages active and contextual learning. Progressivism emphasizes the importance of hands-on experiences and the development of critical thinking skills through real projects and discussions. In the context of the Merdeka Curriculum, this approach allows students to explore their interests and talents more independently, with teachers acting as facilitators guiding the learning process. Through project-based learning, collaboration, and authentic assessment, the Merdeka Curriculum provides students with the opportunity to explore their interests and talents. This research identifies various strategies that educators can adopt to integrate the principles of progressivism, such as using active learning methods and allowing freedom in choosing learning materials. The implementation of the progressive philosophy presents several challenges, including teachers' readiness to adopt new roles, the need to adjust the curriculum to local contexts, and the availability of adequate resources. However, this application also offers significant opportunities to enhance the quality of education by producing graduates who are more adaptive, creative, and capable of solving complex problems. This study highlights how the application of progressive philosophy in the Merdeka Curriculum can increase student motivation, develop 21st-century skills, and prepare them for future challenges. Therefore, it is essential to continuously evaluate and develop this approach to align with the evolving times and national educational needs.

This study aims to analyze the implementation of the demonstration teaching method in improving the learning outcomes of Islamic Religious Education (IRE) for eighth-grade students at SMP Budi Utomo, Srono. The demonstration teaching method was chosen because it provides students with direct experience, allowing them to understand the material more clearly and practically. This research employs a qualitative approach with a case study design. Data were collected through observations, interviews, and documentation, and were then analyzed by systematically describing the findings based on facts and phenomena observed in the field. The results of the study show that the implementation of the demonstration teaching method was carried out through three main stages: planning, implementation, and evaluation. During the planning stage, the teacher prepares relevant materials and teaching aids for the topic being taught. The implementation stage involves using visual media and teaching aids to clarify the explanation of the material, while engaging students in the demonstration activities directly. In the evaluation stage, the teacher provides feedback to assess the students' understanding of the material taught. The application of the demonstration method has a positive impact on the students' learning outcomes. The study shows that students experienced an increase in their understanding of IRE material, greater enthusiasm for learning, and improved responsiveness to issues in their surrounding environment. Additionally, group learning activities during the teaching process strengthened communication skills among students. Therefore, this method proves to be effective in enhancing the quality of classroom learning.

This article discusses the importance of developing a Christian Religious Education (PAK) model based on Christian theology and implemented through the active role of the church in carrying out the Great Commission. True Christian education does not only convey doctrinal information, but also forms the character, spirituality, and calling of the people based on the word of God. The church is positioned as a learning community and the main implementer of the contextual, transformative, and biblical theology-rooted faith education process. Through a qualitative-descriptive approach and literature study, this paper emphasizes that theological foundations, such as God as the source of education, the Bible as the basis of teaching, Christ as the focus, and the church as the implementer, are inseparable elements of PAK. Christian Religious Education based on theology provides clear direction in designing content, methods, and learning objectives that are in line with God's will. Thus, this education model is expected to be able to answer the challenges of the times, strengthen the faith of the congregation, and produce strong and relevant followers of Christ in society.  

Active learning strategies are considered one of the most effective approaches in creating meaningful, participatory learning processes that enhance students’ intrinsic motivation. In the context of Fiqh learning, the implementation of active learning strategies plays a crucial role because Fiqh not only requires cognitive understanding but also involves strengthening attitudes and internalizing religious values. Traditional teacher-centered learning methods often lead to passive participation, boredom, and a lack of motivation among students. Therefore, the use of active learning strategies—such as group discussions, simulations, problem-solving activities, and experiential learning—can encourage students to participate more actively, think critically, and develop a stronger motivation to achieve better learning outcomes.This study aims to describe how active learning strategies can improve students’ motivation in Fiqh subjects. The analysis shows that engaging students directly in learning activities increases their attention, interest, and sense of responsibility in understanding the material. Additionally, two-way interactions between teachers and students create a more dynamic and enjoyable learning atmosphere. Thus, active learning strategies serve as a relevant and effective approach to enhancing learning motivation and improving the overall quality of Fiqh education.

The teaching of the Qur’an in formal educational institutions has increasingly developed through various innovative programs, one of which is the Tahfidz Camp program. This program is designed to provide a more intensive learning experience in memorizing the Qur’an for students. This study aims to analyze the role of the Tahfidz Camp program in fostering Qur’anic memorization among elementary school students at SD Muhammadiyah Medan 08. This research uses a qualitative approach with a descriptive method. Data were collected through observation, interviews, and documentation during the internship activities. The results indicate that the Tahfidz Camp program significantly contributes to improving students’ memorization of the Qur’an, both in terms of the quantity of memorization and the quality of recitation. In addition, the program enhances students’ motivation to learn, discipline, and religious character formation. A supportive learning environment and intensive learning methods are key factors in the success of this program. Therefore, Tahfidz Camp can serve as an effective strategy in fostering Qur’anic memorization at the elementary school level.

Energy efficiency has become a critical focus in manufacturing plants due to rising operational costs and increasing environmental concerns. The growing importance of energy management is driven by the need to reduce energy consumption, lower emissions, and enhance overall operational efficiency. Traditional maintenance practices, such as reactive and preventive maintenance, often lead to unnecessary downtime, high repair costs, and inefficient energy usage. In contrast, predictive maintenance (PdM), supported by Internet of Things (IoT)-enabled sensor networks, offers a proactive approach to minimizing energy waste by predicting equipment failures before they occur. This study develops a predictive maintenance framework using IoT-based sensor networks to optimize energy usage and reduce energy losses in manufacturing plants. The research begins with an overview of IoT sensor network architectures and their applications in industrial automation, including sensors such as temperature, vibration, and pressure sensors. It explores predictive analytics techniques, such as machine learning and artificial intelligence, used for failure prediction, which are key to enhancing energy efficiency. The study emphasizes how predictive maintenance contributes to industrial sustainability by reducing carbon footprints and optimizing energy consumption. The research methodology involves the installation of IoT sensors in critical machinery, real-time data analysis using machine learning algorithms for failure prediction, and energy consumption measurement before and after implementing IoT-based interventions. The results show significant improvements in energy consumption efficiency and operational productivity. Predictive maintenance led to reduced unplanned downtime, increased equipment reliability, and a more sustainable manufacturing process. However, challenges such as sensor integration, initial setup costs, and data security concerns were identified. The study concludes with recommendations for integrating IoT-based predictive maintenance systems into manufacturing plants to further optimize energy usage and promote sustainability.

Family well-being is very important for the lives of individuals and communities. A happy and The problem with learning German grammar at the A2 level is that many students still struggle to understand sentence structure, especially when using the perfect tense, subordinate clauses with "weil," and the genitive case. Students often find it challenging to remember grammar rules and how to apply them in sentences. The aim of this study is to develop interactive learning media in the form of Kodular-based applications to address these issues and support learning German grammar at the A2 level. The app is designed with relevant grammar materials and uses the 4D model development method (Define, Design, Develop, Disseminate), which reaches only the development stage without dissemination. The app was created on the visual platform Kodular, which enables users to develop Android apps without programming knowledge. The results show that the app is an effective learning medium, with a validation score of 90 (excellent) for the material content and 92.5 (excellent) for the media aspects. With a file size of 5.08 MB, this application enables users to learn German grammar independently anytime and anywhere.

Artificial Intelligence (AI) has increasingly become an integral component of modern education, offering significant opportunities to improve accessibility, efficiency, and personalized learning. This study explores students’ perceptions of AI in educational contexts, focusing not only on its practical benefits but also on ethical concerns, particularly regarding data privacy and social responsibility. Adopting a mixed-method design, the research collected data through surveys and classroom observations. The survey responses were analyzed using descriptive statistics to identify trends in perceptions, while observation notes were thematically coded to capture students’ real interactions with AI applications. The findings reveal that students generally exhibit a positive attitude toward AI, recognizing its potential to enhance learning experiences by making education more accessible and efficient. However, the study also highlights that concerns over data privacy and the potential misuse of information remain central issues. Moreover, a notable gap exists between students’ appreciation of the practical benefits of AI and their awareness of ethical dimensions such as algorithmic bias and digital responsibility. This imbalance suggests that while students are ready to embrace AI as a tool, they may not yet be adequately prepared to address the broader ethical implications of its use. The discussion situates these findings within the framework of digital ethics, emphasizing the need for education systems to integrate ethical literacy alongside technological skills. By doing so, schools and universities can ensure that students are both technologically competent and socially responsible. The study concludes that although AI is welcomed in educational settings, greater emphasis on digital ethics education is essential to maximize its benefits and minimize potential risks. This research provides a basis for future studies on policy development and ethical practices for AI in the classroom.

At SMP Negeri 2 Gucialit, teachers have difficulty designing and implementing learning models that can develop students to have skills in critical thinking and problem solving, creative thinking skills, communication skills, and collaboration skills. The aim of this community service is to expand understanding of concepts and improve the skills of Junior High School teachers in designing project-based learning through lesson study. The method used in community service consists of three stages, namely preparation, implementation and evaluation. In the preparation stage, field survey activities and coordination with service partners were carried out. At the implementation stage, material is provided, practice is carried out in developing project-based learning teaching modules through lesson study and discussion. At the evaluation stage, an assessment of the results of the activities was carried out using a questionnaire distributed to participants by the community service team. Based on the results of the questionnaire, it shows that the percentage of answers achieved was 59.3% strongly agree with the benefits of this activity, 37% agree, 3.7% neutral, and there were no answers strongly disagree or disagree. This shows that this service activity increases the understanding of the concepts and skills of Junior High School teachers in designing project-based learning through lesson study. Apart from that, this community service activity produces project-based learning teaching module products and aquascape learning media.

This research is motivated by the low pragmatic competence of Madrasah Ibtidaiyah (MI) students, which is shown by the high rate of pragmatic failure (65%) and learning participation (40%), as well as the lack of contextual teaching materials. The purpose of the research is to identify learning barriers, then design, and test the initial impact of pragmatic teaching material innovation based on local wisdom through language play methods. With the Design-Based Research (DBR) approach involving teachers and students of MI in Central Java, data was collected through interviews, observations, and document studies, and then analyzed thematically. The results of the study revealed three main obstacles: (1) non-contextual teaching materials, (2) limited methodological skills of teachers, and (3) low student motivation. As a solution, "PRAGAMALOKA" teaching materials were developed that transform the values of local wisdom (tepo seliro, gotong royong) and traditional games (dakon) into the core of pragmatic learning scenarios. The limited trial showed a significant increase in student engagement and positive response. This study concludes that substantive integration between local content, pragmatic goals, and play methods is the key to creating authentic and meaningful learning. Implicitly, this development model can be adopted to design other contextual teaching materials, with recommendations for further experimental tests to measure their comparative effectiveness.