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This research aims to determine the effect of rewards and job descriptions on the performance of PT employees. Sharia Pawnshop Ginte Market Branch. The population in this study was 30 employees, consisting of 20 permanent employees and 10 contract employees at PT. Sharia Pawnshop Ginte Market Branch. The sample in this study was 30 employees of PT. Sharia Pegadaian Pasar Ginte Branch uses a saturated sampling technique so that the entire population is used as a sample in this research. Data collection techniques use observation, questionnaires and literature study, data analysis techniques use multiple linear regression. The research results show that partially and simultaneously rewards and job descriptions have a significant effect on the performance of PT employees. Sharia Pawnshop Ginte Market Branch.

The purpose of this research is to find out a review of the compilation of Islamic law regarding interfaith marriages from a sharia perspective. The method used in this research is qualitative, with a comparative approach by conducting literature studies related to studies of theories relevant to the problem of interfaith marriages. In the view of Islamic law, marriage between different religions is strictly prohibited because it is contrary to the rules of Islamic law in maintaining the existence of religion. The goal of marriage is to create a sakinanh, mawaddah wa Rahmah household, but this goal is very difficult to realize if the marriage is built on the basis of different religions. Based on Marriage Law Number 1 of 1974 which is implemented in the compilation of Islamic law, it states that it does not accommodate interfaith marriages to strengthen the arguments put forward in the Koran.

The purpose of this research is to determine the description of profit sharing in sharia accounting to achieve the principles of justice. This research uses a qualitative descriptive approach with a post-positivist paradigm. The informants in this research used data collection techniques using interviews, observation and documentation. Research shows that the profits generated by companies are not just the result of the work of a group of people. However, many stakeholders are involved, including fund owners, employees and the environment. With an impartial perspective, profits can benefit all parties involved, not just a handful of executives.

The thesis with the title "The Influence of Celebrity Endorsers and Word of Mouth on the Decision to Purchase Scarlett Whitening Products among UIN Sulthan Thaha Saifuddin Jambi Students" was written by Jumianti with NIM 501190273, Sharia Economics Study Program, Sulthan Thaha Saifuddin Jambi State Islamic University 2023. This research aims to determine: (1) the influence of celebrity endorsers on purchasing decisions for Scarlett Whitening products, (2) the influence of word of mouth on purchasing decisions for Scarlett Whitening products, and (3) the influence of celebrity endorsers and word of mouth on purchasing decisions for Scarlett Whitening products.This research uses quantitative research methods by collecting data or survey methods. The sample in this research was 100 students at UIN Sulthan Thaha Saifuddin Jambi. The data collection technique uses a questionnaire whose validity and reliability have been tested. The data analysis technique used to answer the hypothesis is multiple regression. The results of this research show that: (1) Celebrity Endorser has no influence on purchasing decisions, as evidenced by the calculated t value of 0.191 with a significance value of 0.849 which is greater than 0.01. (2) word of mouth has a positive and significant effect on purchasing decisions, as evidenced by the calculated t value of 9.189 with a significance value of 0.000 which is smaller than 0.01. (3) celebrity endorsers and word of mouth simultaneously influence purchasing decisions, as evidenced by the calculated F value of 80.672 with a significance value of 0.000 which is smaller than 0.01. The adjusted R square value of 0.585 shows that the ability of the independent variable to influence the dependent variable is 58.5% and the remaining 41.5% is influenced by other variables outside this research

The marketing process in Islamic economics must be implemented correctly, and in accordance with sharia principles. In distributing products, it must be evenly distributed so that all people can enjoy the product. This research is about e-marketing analysis in increasing sales on shopping applications. The purpose of this research is to find out how marketing strategies increase sales on the Belanjo application. This type of research is descriptive qualitative with primary and secondary data types. The data collection technique in this research uses observation, interview and documentation techniques.The research results show the marketing mix strategy implemented by Belanjo to increase sales, including product availability, price, promotion and place. Supporting and inhibiting factors for the marketing mix strategy implemented by Belanjo in increasing sales, including supporting, conducting socialization and collaboration and increasing employee skills and knowledge. obstacles, low consumer buying interest and the marketing area for chips is still limited. Marketing mix strategies viewed from an Islamic Economics Perspective include: Always decorating charity with the intention of worship and sincerity. Transparency, and the goods are halal and not harmful. Carrying out honest distribution methods, not reducing size, standards, quality and scales fraudulently. Being responsible for the goods received. distributed fairly, and not doing things that are prohibited in Islam. Please help, tolerate and give alms. Never neglect worship because of distribution activities. Ikhtikar is prohibited because it will cause price increases. Seek reasonable profits. Widespread distribution of wealth. Social equality. 

The implementation of the Murabahah agreement at Bank Syariah Indonesia (BSI) KCP Medan Sukaramai is the focus of this research. The aim of the research is to analyze the process of implementing the Murabahah contract, identify the obstacles faced, and initiate efforts to overcome these obstacles. The research method used is a qualitative descriptive method with data collection techniques through in-depth interviews. Respondents consisted of bank managers, bank employees and customers involved in transactions using Murabahah contracts. Data analysis was carried out taking into account relevant sharia principles. The research results show that the implementation of the Murabahah contract at BSI KCP Medan Sukaramai has been carried out carefully and structured in accordance with sharia principles. However, the obstacles faced include a lack of customer understanding of sharia principles as well as differences in understanding between customers and bank officers. Efforts made by banks to overcome these obstacles include increasing education for customers and regular training for bank officers. This research contributes to the understanding of Murabahah contract practices in the sharia banking sector, as well as offering recommendations for banks to increase the effectiveness and efficiency of implementing Murabahah contracts. In addition, it is hoped that this research can provide customers with a better understanding of sharia principles in financial transactions.

In general, many people choose to save and borrow money from financial institutions other than sharia banks, such as conventional banks and general cooperatives. In fact, conventional banks are known to adhere to an interest system which according to scholars is prohibited because interest is considered usury. Factors that can influence interest in saving at Islamic banks are knowledge, promotions and location. A person's knowledge about Islamic banks will influence customer interest, each bank tries to promote all the products and services it has, and the location of Islamic banks has easy assets. The aim of this research is to determine the influence of knowledge, promotion and location on the interest of the people of Pandan Jaya subdistrict, Tanjung Jabung Timur district to save in sharia banks. The type of research used in this research is quantitative descriptive research. The sample was selected using Accidental Sampling and the Slovin formula to obtain 98 respondents. The data analysis used is Multiple Linear Regression Analysis. The results of the research concluded that partially the variables knowledge, promotion and location had an influence on interest in saving at Sharia Banks in Pandan Jaya Village, East Tanjung Jabung Regency. Simultaneously, the variables of knowledge, promotion and location influence interest in saving at Sharia Banks in Pandan Jaya Village, East Tanjung Jabung Regency. Based on the coefficient of determination, it indicates that knowledge, promotion and location can influence interest in saving at Sharia Banks by 77.4%. It is hoped that people, especially Muslims, can save in sharia banks considering that sharia banks have used sharia principles in accordance with Islamic recommendations, sharia banks can increase people's interest in saving using Sharia Bank services by considering research variables, namely increasing knowledge, promotion and location, and further research can add other variables which are also thought to influence interest in saving at Sharia Banks.

This research is entitled “Effectiveness of Subsidized Sharia Mortgage Financing for Low- Income Communities at BTN Syariah Langsa City. This study uses a qualitative descriptive method, with the formulation of the problem, 1) How is the implementation of Islamic mortgage financing for low-income customers at Bank BTN Langsa City?, 2) How is the effectiveness of Islamic mortgage financing for low-income people at Bank BTN Langsa City?, from the results of the research of the bank and the dispatcher have followed the regulations from the government from the housing mortgage program, but with regulations from the government, the depeloper is an obstacle they cannot freely choose customers, with regulations made by the government even though people who are gardeners are farmers and fishermen even though they are able to take mortgage housing, there are also people who feel helped by the KPR program from thegovernment.

Bank Wakaf Mikro (BWM) Sumber Barokah Denanyar Jombang is one of ten Islamic MFIs in the early stages of the 'Community Empowerment through the Establishment of Islamic MFIs around Pesantren‛ Program facilitated by the Financial Services Authority (OJK) and the Small Business Incubation Center (Pinbuk) by providing loan funds for more productive community business groups. The purpose of this assistance is to provide guidance and direction on the knowledge and implementation of the efforts to be made by the Denanyar Jombang Sharia Micro Waqf Bank in minimizing the risk of capital loans given to MSMEs as business capital. There are three (3) stages in this assistance: Preparation, Implementation and evaluation. The results of the assistance show: (1) An increase in efforts to minimize the risk of capital loans, (2) A decrease in the number of defaults on the risk of returning loan capital (3) An increase in family values and religiosity for customers who make loans.

Sharia people's credit bank (BPRS) is an institution that carries out business activities based on sharia principles and in its activities does not provide services in payment traffic. The level of interest in PT. Many BPRS Al Washliyah choose murabahah financing. This high level of murabahah financing activity can cause high risks faced by the entity providing the financing. Risk management is an effort that must be made to minimize the possibility of loss risks that may occur as a result of problematic murabahah financing transactions. The conclusion from these results is that murabahah financing risk management faced by PT. BPRS AL-Washliyah Medan, namely by persuasive means, if this method cannot be a solution to the existing problems, then PT. BPRS Al-Washliyah Medan resolved this by means of collateral, namely the confiscation/sale of collateral

This research aims to determine the influence of independence, environment, creativity and education on students' motivation to become sharia entrepreneurs. Study students at the Faculty of Economics and Islamic Business, Sultan Thaha Saifuddin State Islamic University, Jambi, the subjects of this research are students at the Faculty of Economics and Islamic Business, Sultan Thaha State Islamic University. Saifudin Jambi. Data collection techniques use observation, questionnaires and documentation where the research method used is a quantitative research method that uses primary data and secondary data with a multiple linear regression model. The results of partial testing (t test) of the independence variable and environmental variables do not have a significant effect on students' motivation to become sharia entrepreneurs. while the creativity variable and the education variable have a significant effect on students' motivation to become sharia entrepreneurs. Based on the results of the F test (simultaneous test) it can be concluded that independence, environment, creativity and education simultaneously have a significant effect on students' motivation to become sharia entrepreneurs.

A house is a basic human need, many people are rarely able to save in cash due to rising house prices. By providing pawn products (Home Ownership Credit), the Bank acts as a mediator between the interests of home buyers and sellers in this situation. However, Muslims are not allowed to use the usury transaction interest system used by mainstream banks. For Muslims who want interest-free financial services, the rise of Islamic banking is a good thing. However, the fact that sharia banking has not been able to match conventional banks in Indonesia is proof that the majority of Muslim communities there do not have full confidence in using sharia banks. Based on this, the author looks at and discusses how murabahah contracts are used in sharia finance at the Bank Sumut Syariah Lubuk Pakam Branch Office. The aim of this qualitative descriptive research which combines case study theory is to describe the implementation of the murabahah contract and determine its impact on sharia financing at Bank Sumut Syariah Lubuk Pakam Branch Office. To gather information regarding the use of murabahah contracts in Islam, the data collection approach uses interview procedures, namely questions and answers to officers, employees and authorized parties (in authority), as well as documentation. Descriptive techniques are used in data analysis procedures. The research findings, the application of the DSN-MUI fatwa regarding murabahah, turns out that the DSN-MUINo.04/DSNMUI/IV/2000 fatwa was followed in the case of murabahah financing for subsidized housing mortgage financing carried out by the North Sumatra Syariah Bank, Lubuk Pakam Branch Office.

The rapid expansion of digital platforms has transformed the issuance of fatwa in Southeast Asia, enabling Islamic legal opinions to be accessed widely and quickly. This shift challenges traditional patterns of religious authority, which were previously centered around formal institutions and face-to-face scholarly deliberation. While digital fatwa mechanisms enhance accessibility and responsiveness, they also raise concerns about legitimacy, legal accuracy, and public trust. This study examines the effectiveness of digital fatwa issuance mechanisms in Malaysia, Indonesia, and Brunei Darussalam, using a qualitative comparative research approach. Data were collected through content analysis of official digital fatwa portals, focusing on accessibility, authority, validation, and legal consistency. The findings reveal that digital platforms increase access speed and broaden public reach, enabling religious institutions to address emerging legal issues more effectively. However, variations in verification procedures and legitimacy frameworks across countries reflect differences in governance and state involvement. Key challenges include the authentication of mufti authority, standardization of ijtihad methodologies, and consistency in legal substance. Digital fatwa contribute to improving Islamic legal literacy but risk authority fragmentation due to the proliferation of digital sources. The study concludes that integrating the efficiency of digital platforms with the authoritative safeguards of traditional institutions is crucial for developing an accountable model of digital fatwa governance.

The relationship between traditional Islamic jurisprudence (fiqh) and modern international human rights norms has long been characterized by debate and tension. Islamic law is commonly perceived as divinely grounded and normatively authoritative, whereas human rights frameworks are often viewed as secular, universal, and rooted in modern legal philosophy. This perceived dichotomy has contributed to the widespread assumption that Sharī‘a and human rights are inherently incompatible, particularly in sensitive areas such as gender equality, freedom of religion, and minority rights. Reassessing this tension is especially important for Muslim-majority societies that must reconcile religious legitimacy with global human rights obligations. This study explores the potential for harmonizing classical Islamic jurisprudence with contemporary human rights norms by identifying shared values, points of divergence, and feasible pathways for integration. Using a qualitative normative legal approach, the research employs doctrinal analysis of primary Islamic legal sources alongside international human rights instruments, supported by comparative analysis of key rights, including the protection of life, religious freedom, and gender equality. Interpretative analysis is applied to examine how classical and contemporary Islamic scholars conceptualize human rights within the Sharī‘a framework. The findings reveal substantial convergence between Islamic law and human rights norms, particularly in their shared emphasis on human dignity, justice, equality, and social welfare. While interpretative tensions persist, they are largely shaped by contextual and institutional factors rather than by the core ethical objectives of Islamic law. Integrative approaches grounded in ijtihad, maṣlaḥa, and maqāṣid al-sharī‘a offer constructive pathways for harmonization.

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

This research aims to determine the regulations related to the implementation of digital gold investment in Indonesia and to determine the form of legal protection that BAPPEBTI can provide through statutory regulations for digital gold customers. This research is normative legal research that is descriptive in nature. The research approach used is a statutory and conceptual approach. The types and sources of legal materials used consist of primary legal materials and secondary legal materials. The legal material collection technique used is literature study a. The legal material analysis technique used is deductive using the syllogism method. Based on the research results, it was found that the implementation of digital gold investment trading in Indonesia is generally regulated in the Commodity Futures Trading Law, explained in more detail in Minister of Trade Regulation No. 119 of 2018, and the technical provisions are regulated in BAPPEBTI Regulations. The legal protection that BAPPEBTI can provide to digital gold customers includes carrying out supervision and even inspection of companies carrying out digital gold trading activities, then if violations are found by the company concerned, BAPPEBTI can impose administrative or criminal sanctions. However, there is a contradiction in Article 6 letters e and f in the Commodity Futures Trading Law, in letter e it is stated that BAPPEBTI has the authority to carry out inspections of parties who have business permits, individual permits, approvals or registration certificates. However, in letter f it is stated that BAPPEBTI appoints another party to carry out certain inspections in the context of implementing BAPPEBTI's authority as referred to in letter e. This shows that BAPPEBTI as a special institution for futures trading cannot be directly involved in enforcing the futures trading system, which means that BAPPEBTI's role in providing legal protection for digital gold customers is not optimal.    

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

The term affiliate activity refers to actions taken by two parties to establish a partnership and build a mutually beneficial relationship. Marketing tactics used by business people include Influencers who function as target audiences and segments that are targeted for product promotion and branding. The aim of this research is to understand how Influencer Tasya Farasya and the Shopee Affiliate Program work and explore the legal aspects of sharia business related to collaboration between Influencers and the Shopee Affiliate Program. Researchers use descriptive qualitative methods using internet searching research, namely the process of searching for data via internet media to obtain information based on references, journals, articles. In this research, it was concluded that if an Influencer promotes a product, the Influencer will direct potential buyers to the affiliate's URL address. When the affiliate URL is opened, potential buyers will be directed to the seller's product sales website. This affiliate cooperation practice uses a samsarah contract because it is a form of intermediary between the seller and the buyer. In view of Sharia Economic Law, the practice of collaboration between Influencers and the Shopee affiliate program is permitted because it meets the requirements and is in line with the Samsarah agreement.  

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

Fraud is related to fraudulent actions that are carried out intentionally and result in another party suffering losses. The main issue raised in this research is related to the large number of fraud cases that occur in Sharia Commercial Banks. The underlying reason for researching this issue is because, the majority of Sharia Commercial Banks have formed independent audit committees, held audit committee meetings, and given audit committee terms of service by referring to POJK N0.55/POJK.04/2015 concerning the Formation and Implementation Guidelines for Committee Work. Auditing. The formulation of the problem is whether the number of audit committees, audit committee meetings and the number of audit committees that occurs in banking, can it influence internal fraud that occurs in banking. With the aim of having audit committee meetings and the number of audit committees, it can minimize the risk of fraud in banking.This research is quantitative research, namely research based on the philosophy of positivism, used to research certain populations and samples, data collection using research instruments, data analysis is quantitative or statistical. Data analysis uses statistics by presenting data using tables. Because the data obtained in this research is in the form of financial report figures. The figures obtained will be analyzed further in data analysis, the data management process uses eviews 10.From the research results, it can be concluded that the variable number of audit committees has a significant effect on internal fraud in Islamic commercial banks in Indonesia for the 2018-2021 period. The Audit Committee Meeting variable has an insignificant negative effect on Internal Fraud in Sharia Commercial Banks in Indonesia for the 2018-2021 period. And the variables Number of Audit Committees and Audit Committee Meetings have a significant effecton Internal Fraud in Sharia Commercial Banks in Indonesia for the 2018-2021 period.