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Climate change represents one of the most critical challenges of the 21st century, demanding immediate and coordinated global action. While various mitigation policies have been developed, including cap-and-trade schemes and carbon taxes, they often fail to fully address ethical concerns, such as equity, justice, and responsibility. This study explores the potential role of Islamic economic principles in strengthening climate change mitigation policies. Islamic economics, grounded in values like justice (Adl), stewardship (Khilafah), and communal responsibility, offers a moral framework that can enhance global efforts to combat climate change. Through a policy review and comparative analysis, the study examines the alignment of Islamic economic values with existing secular climate policies, highlighting their ability to address social and environmental injustices that often arise from traditional approaches. Additionally, the study discusses the practical applications of Islamic finance instruments such as Green Sukuk, Zakat, and Waqf, demonstrating their potential to fund sustainable projects. The integration of these Islamic values into international climate frameworks is shown to offer ethical and inclusive solutions, promoting a more just distribution of the burdens and benefits of climate action. This paper concludes by recommending that Sharia-based frameworks be incorporated into global climate policies and highlights the importance of future research in understanding the role of religious ethics in climate change mitigation.

Environmental education is important to preserve, one of which is through the Adiwiyata program. The reality in the field is that implementing the Adiwiyata program is not easy, strategies are needed to preserve and overcome existing problems. This research aims to describe the strategy for implementing the Adiwiyata program, and the efforts made by schools to preserve the environment. The method used is descriptive qualitative.  The data collection techniques used were interviews, observation, documentation, and literature study. The results of this research are that to implement the Adiwiyata program some steps are continuously being taken (1) creating environmentally friendly policies, (2) environmentally based curriculum, integrated through subjects and extra-school, (3) participatory based environmental activities, carried out through familiarization and creation School Policy Letter, and (4) management of environmentally friendly supporting facilities. Students' environmentally caring character can be formed through habits. Efforts made to preserve the environment include making habits, utilizing plastic waste, and making picket schedules for caring for plants. In essence, environmental education is an important milestone in forming a character who cares about the environment. Therefore, this research has an important role as a reference in developing environmentally caring character in students.  

This research explores the integration of Islamic values into sustainable entrepreneurship, focusing on Muslim entrepreneurs who incorporate green innovation practices in their businesses. Despite growing awareness of sustainability, many Muslim entrepreneurs face challenges in aligning Islamic ethical principles with modern green business practices. This study aims to identify key Islamic values that guide sustainable entrepreneurship and analyze how faith-based motivations foster a culture of eco-conscious innovation. A qualitative descriptive research design, using a phenomenological approach, was employed to explore the experiences of Muslim entrepreneurs in environmentally sustainable sectors, including organic farming, renewable energy, and eco-friendly product manufacturing. Data was collected through semi-structured interviews, and thematic analysis was used to identify patterns of Islamic ethical influence on decision-making and innovation practices. The study found that Islamic entrepreneurship is rooted in values such as justice, stewardship, and social responsibility, which guide environmentally responsible innovation. These values encourage long-term sustainability, with a focus on community welfare and ecological preservation. The study also identified that Muslim entrepreneurs face barriers such as limited access to Sharia-compliant financing and financial literacy. The conclusions suggest promoting Sharia-based sustainable business frameworks, developing Islamic green financing instruments, and incorporating environmental education within Islamic entrepreneurship programs to foster more eco-conscious innovations. These findings offer valuable insights for policymakers, financial institutions, and entrepreneurs looking to integrate Islamic principles with sustainable development.

This study explores the effect of Islamic microfinance on empowering rural communities through environmentally sustainable business practices. Rural areas often face significant financial exclusion, with limited access to ethical financial services, particularly for eco-friendly enterprises. Islamic microfinance, grounded in Sharia principles such as risk-sharing, ethical investment, and the prohibition of interest (riba), offers an alternative financing model that can potentially foster both economic and environmental sustainability. The objective of this research is to analyze the impact of Islamic microfinance on rural communities, focusing on income growth, the adoption of environmentally sustainable business practices, and social empowerment. Using a mixed-methods approach, the study combines field surveys and interviews with beneficiaries of Islamic microfinance institutions (IMFIs) in rural areas. Data collection tools included questionnaires, focus group discussions, and institutional reports. Key findings reveal that participants in Islamic microfinance programs experienced significant income growth, an increase in environmentally friendly entrepreneurship (e.g., organic farming and recycling businesses), and enhanced community participation and self-reliance. The discussion highlights how Sharia principles encourage ethical investment and sustainable practices, contributing to a triple-bottom-line impact—economic, social, and environmental. However, challenges such as limited awareness, lack of green finance literacy, and regulatory constraints were identified. A comparison between Islamic and conventional microfinance outcomes showed that Islamic microfinance offers a distinct advantage by integrating moral, social, and ecological responsibilities. The study concludes that Islamic microfinance can serve as a transformative tool for rural development, offering solutions to both economic and environmental challenges. The research underscores the need for supportive policy frameworks and further investigation into the long-term impacts of green Islamic finance.

This study examines the multifaceted impact of financial inclusion on industrial societies, focusing on its role in economic growth, social equity, digital transformation, and industrial development. Using a mixed-method approach combining systematic literature review and case studies from five industrial countries (Germany, South Korea, the United States, China, and Brazil), we analyze the mechanisms through which financial inclusion influences societal outcomes. Our findings reveal that financial inclusion significantly contributes to economic growth, with a 10% increase in inclusion indicators associated with a 0.2-0.7% rise in GDP growth rates. Moreover, we identify synergistic effects between financial inclusion and digital transformation, notably in mobile banking adoption. The study also highlights persistent challenges, including urban-rural divides and gender disparities in financial access. Cross-cutting themes emerge, emphasizing the importance of integrated policy approaches, regulatory innovation, and public-private partnerships in advancing financial inclusion. These insights offer valuable guidance for policymakers and financial institutions in designing effective strategies to leverage financial inclusion for sustainable and equitable economic development in industrial contexts.

The aim of this research is to analyze the efficiency of raw material inventory control and the application of the Material Requirement Planning method to control soybean raw material inventory at Mr Heri's Tofu Factory. The type of data used is qualitative data and quantitative data. Data sources in research use secondary data and primary data. Data collection methods used were interviews, observation and documentation. The data analysis technique used is to streamline raw material costs using the Material Requirement Planning (MRP) technique. The research results show that the raw material inventory costs according to company policy of IDR 1,553,712 are not efficient, because the total raw material inventory costs are greater than the LFL method of IDR 240,000, EOQ of IDR 297,914 and POQ of IDR 240,000. Based on this, hypothesis 1 which states that "It is suspected that the raw material control system for Mr Heri's Tofu Factory is not efficient", has been proven to be true. Hypothesis 2 which states that "It is suspected that the application of the Material Requirement Planning method can streamline the costs of controlling raw material inventory at Mr Heri's Tofu Factory", has been proven to be true.

This paper discusses the Analysis of MSME Strategy in the Development of Creative Economy in the Small Dodol Industry in Muara Tapus Village, Sungai Aur District. The purpose of this study is to analyze what strategies have been implemented by MSMEs based on the creative economy in the small dodol industry in Muara Tapus Village, Sungai Aur District and to provide alternative strategies that are in accordance with the current position and condition of the business. This type of research uses qualitative research with a descriptive approach. The data source used is the primary data source, namely data from informants. The data collection techniques used are observation, interviews and documentation in the small dodol industry in Muara Tapus Village, Sungai Aur District. The subjects in this study were small dodol industry business actors in Muara Tapus Village, Sungai Aur District. Based on the results of the study, it shows that there are several obstacles or constraints on the development of MSMEs, namely minimal capital, human resources, low management. And the strategic factors that influence the development of MSMEs are capital, marketing, operations, human resources and aspects of government policy.

This study explores human complexity and its impact on macroeconomic development. The main focus is on the buyer's mental variables, such as financial assumptions and courage, and how these elements influence business utilization and behavior. Information from measured studies and investigations shows that positive monetary assumptions will often strengthen financial movements, while vulnerabilities or negative assumptions can hinder monetary developments. The proposed strategy suggestions include clear correspondence to rebuild public confidence and appropriate monetary enhancement arrangements. By understanding these elements, this exploration provides further insight into the collaboration between shopper brain science and macroeconomics, which is important for planning compelling strategic systems in the face of advanced economies.    

Early marriage is a phenomenon that is rampant in society, especially teenagers. Tradition and gender inequality are the main factors of early marriage. Significant impacts are experienced by adolescents due to early marriage. This study aims to describe the impact of early marriage on adolescents caused by traditional factors and gender gaps. The research method used is literature study analysis and documentation study by observing documentary videos. Coding and tabulation processes were carried out to test the validity and reliability of the data. The results showed that early marriage in adolescents is influenced by tradition and the gender gap. This suggests factors such as family pressure, local traditions, and lack of opportunities in education may reinforce the practice of early marriage. Emile Durkheim's structural functional theory analysis also highlights how early marriage functions in maintaining social stability, but also emphasizes the need to reduce the negative impact on gender inequality. Concrete measures such as sexual education, women's empowerment, and policy changes are needed to address the problem of early marriage in adolescents.

This research aims to analyze management policies and management performance on green accounting with green economy and corporate social responsibility disclosure as intervening variables. The research method uses a descriptive quantitative research design. The research data utilizes financial reports of pharmaceutical sub-sector companies listed on the Indonesia Stock Exchange for the period 2018 to 2022. The population used in this study is pharmaceutical companies listed on the Indonesia Stock Exchange for the period 2018 to 2022. Sample selection is done using purposive sampling method, resulting in a sample of 9 pharmaceutical sub-sector companies out of a total population of 11. The statistical data processing tool in this study uses SmartPLS software with outer model analysis consisting of convergent validity, construct reliability and validity, and discriminant validity. The inner model analysis in this study is used to test the hypotheses that have been made. The results obtained in this study indicate that the hypothesis testing directly shows only the green economy significantly influences CSRD, while management policies do not have a direct effect on green accounting, green economy, CSRD, or management performance. Additionally, management performance does not affect the green economy, green accounting, or CSRD, and the green economy does not affect green accounting or CSRD. Indirect hypothesis testing results show that the green economy cannot intervene in management policies or management performance on green accounting, and CSRD cannot intervene in management policies or management performance on green accounting.

This study provides a comprehensive comparative analysis of financial literacy among Millennials and Generation Z across various global contexts, drawing on recent data from major international surveys. The research examines key indicators of financial knowledge, behaviors, and attitudes, revealing a complex landscape characterized by both promising developments and significant challenges. While both generations demonstrate increased engagement with digital financial services, there often remains a gap between their technological savviness and comprehensive financial understanding. The analysis highlights significant regional disparities in financial literacy, influenced by factors such as digital technology prevalence, education systems, economic environments, and cultural attitudes. The study underscores the profound impact of technology on financial literacy and emphasizes the need for tailored financial education incorporating digital literacy and critical thinking skills. Policy implications include developing comprehensive national strategies for financial literacy and fostering international cooperation. This research contributes valuable insights for educators, policymakers, and financial institutions to enhance financial capability among young adults globally in an increasingly complex financial landscape.

This study examines the influence of monetary policy, particularly interest rates, on economic stability in the TIMI countries (Thailand, India, Malaysia, and Indonesia). It underscores the vital role of interest rates in controlling inflation and stimulating economic growth. Utilizing a Vector Autoregression (VAR) model, the research analyzes the reciprocal relationships between crucial economic indicators such as GDP, CPI, exchange rates, consumption, interest rates, and trade balances from 2008 to 2022. For instance, adjustments in interest rates can influence investment levels, consumption patterns, and inflation rates, thereby affecting overall economic activity. The Granger causality tests indicate that short-term relationships between these variables are insignificant, but long-term interactions are evident. This supports the Johansen cointegration results, which confirm two cointegrated equations at the 5% significance level. The study emphasizes maintaining interest rate stability for sustainable economic growth and price stability. It highlights that fluctuations in interest rates, influenced by global economic conditions and domestic economic policies, play a crucial role in the economic performance of TIMI countries. Recommendations for central banCM include implementing responsive and adaptive interest rate policies to manage inflation, foster economic growth, and maintain exchange rate stability. This approach is essential for addressing disparities in income, education, healthcare, and technology access, which are critical for equitable economic development. In conclusion, this research underscores the importance of a nuanced understanding of monetary policy's impact on economic stability and the need for coordinated efforts between fiscal and monetary authorities to achieve long-term

This research aims to analyze the role of human resource competencies, entrepreneurial characteristics, innovation, and government policies in improving business performance in MSMEs, especially in the culinary sector of the city of Semarang. This research is a type of quantitative research method using data collection techniques in the form of questionnaires. The population in this study was 3,291 MSMEs. In determining the sample using the purposive sampling method. Of the total 3,291 MSMEs, only 110 Culinary MSMEs were used as respondents in this research.  The data collection technique is carried out by distributing questionnaires whose validity and reliability have been tested. The questionnaires are distributed online via google form. The data analysis method used consists of descriptive analysis, outer model evaluation, and inner model evaluation. The data analysis tool in this research uses smartpls 3.0 software. The results of this research show that innovation has a positive effect on business performance. Government policies have a positive effect on business performance. Human resource competency has a negative effect on business performance. Entrepreneurial characteristics have a negative effect on business performance  

Study This study about policy Islamic monetary , which includes base theoretical , implementation in various countries, as well its impact and effectiveness . Policy Islamic monetary , which is based on principles sharia like prohibition usury , emphasis on sectors real , and principle for result , aim For create stability economy and justice socio-economic . The implementation varies in different countries, with some countries implement it system Islamic finance​ full and others using a hybrid model. Research methods used​ is review literature , which involves collection , analysis , and synthesis various source secondary like books , articles journals , and reports relevant research .​ Research result show that policy effective Islamic monetary in control inflation , pushing growth sustainable economy , and improve stability finance . However , challenges still There is in matter standardization practice between countries and integration with system global finance . This study emphasize importance innovation instrument finance sharia and improvement Work The same international For increase effectiveness policy Islamic monetary future .  

The purpose of this literature review is to examine the factors that influence dividend policy. This study reviews existing literature on dividend policy and identifies several factors that affect a company's decision to pay dividends. These factors include profitability, liquidity, free cash flow, firm size, leverage, company life cycle, and asset turnover. This study finds that these factors interact with each other and affect a company's ability to pay dividends. The findings of this study provide insights for companies to develop effective dividend policies that balance investor interests and financial performance. This study also highlights the limitations of existing research and suggests avenues for future research.

The insurance business within an insurance company offers insurance products owned by the insurance company. In every insurance product there is a premium payment and the premium is the income of an insurance company at the rate of the amount insured. The problem that PT BNI Life Insurance has is that there are many stops in premium payments such as policy redemptions due to errors in the benefits received or incorrect selection of the insurance product, this can reduce the achievement of targets for an insurance company. The aim of this research is to find out the best classification algorithm compared between K-Nearest Neighbor and Naive Bayes to predict the type of insurance product that customers will choose. In this research, data mining methods are applied to compare two different methods, namely the K-Nearest Neighbor method and the Naïve Bayes method. The level of accuracy results for the K-Nearest Neighbor method is 80% and the Naïve Bayes method is 70.53%, which means that the K-Nearest Neighbor method is the best method to apply to an insurance product classification system based on the demographics of prospective customers.

Entrepreneurship is strongly being touted as the way out of underdevelopment in low income countries. Joblessness, poverty and social instability are some of the main issues that have haunted least developed countries since the end of colonialism, however, political independence without economic freedom is not freedom at all. There are fears that nations may fail due to underdevelopment and high levels of unemployment. Studies have been conducted elsewhere and in Malawi too about how the SMEs sector has been performing over the years and results show that the performance has not been encouraging at all. Nevertheless, the search still is on regarding how best developing countries in general and Malawi in particular can utilise the models such entrepreneurial ecosystems that are working well in developed economies to try to change the local fortunes. The findings of the studies done locally compared to those done in developed economies have shown that Malawi is not doing well at all more especially policy wise. The Government is supporting MSMEs wholesale without properly scrutinizing the business that are high growth oriented because it lacks such a policy. The study based on literature review hence recommends appropriate steps that can address the lack of positive dividends from the funds that are being invested in these underachieving MSMEs.

This study aims to investigate the impact of institutional ownership on company financial performance through qualitative research methods with a literature study approach. Institutional ownership, which involves entities such as investment companies, pension funds, and insurance funds owning shares in the company, is considered a crucial mechanism in corporate governance. Through a comprehensive review of various sources such as journals, books, and research reports, this study conducts a qualitative analysis to explore the complex relationship between institutional ownership and corporate financial performance. Findings from the literature highlight that this relationship is influenced by a variety of factors, including firm characteristics, other ownership structures, macroeconomic conditions, and management strategies. This research not only provides in-depth insights into the implications of institutional ownership for corporate governance, but also provides practical recommendations for companies, investors, and policymakers.

The principal's policy in improving administrative services aims to create an efficient and effective school environment. The principal's policy in improving administrative services is a systematic effort to improve and increase the efficiency and effectiveness of administrative services in the school environment. This involves developing procedures, empowering staff, investing in technology, and implementing good management principles. This research uses a qualitative descriptive approach, collecting data through observation, interviews and documentation. The collected data was analyzed through a process of data reduction, presentation and drawing conclusions. The research findings show that the principal's policy in improving services is to carry out open communication both formally and informally. And another thing that supports improving administrative services is good human resources. The first obstacle is limited education funds, namely that it is difficult to provide facilities in the administration department, such as broken computers at school, and the second obstacle is poor discipline of teachers and staff, which is the cause of services at SMA Negeri 4 Merangin decreasing or not being good. And the solution to overcoming obstacles is maximizing funds, namely the principal makes a report first to the department or center, if there is not yet a principal, calls a meeting between the deputy and the treasurer to discuss together, and the second solution regarding discipline is that the principal tries to be an example or role model. first of all towards teachers, staff and students at the school, apart from that the principal will be strict with school members who violate it by calling them immediately to the office and asking for information after which they will be given sanctions.

This research aims to describe the process of receiving and recording cash sales at PT. Arjuna Utama Chemistry. With the Independent Learning Campus (MBKM) policy from the Ministry of Education and Culture, Trunojoyo Madura University is holding an industrial internship program that provides students with direct experience in the world of work. This report provides an overview of the stages of cash receipt and recording, as well as the importance of the reconciliation and reporting process in maintaining the accuracy and transparency of the company's finances.