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The process of handling financing aims to identify strategies for addressing problematic financing in savings and loan cooperatives or BMT (Baitul Maal Wat Tamwil). The research method employed is qualitative, utilizing structured interviews, field observations, and documentation for data collection. The primary factors contributing to problematic financing in BMTs are identified as internal factors (suboptimal analysis of documents and adherence to financing standard operating procedures) and external factors (dishonesty and untrustworthiness among members, malicious intentions, procrastination by members, and unintentional factors such as relocation and natural disasters). Handling strategies involve communication via mobile phones (WhatsApp messages or calls), issuing warning letters, and executing collateral. Efforts to mitigate problematic financing include strict adherence to standard operating procedures, adequate task allocation, the application of prudence principles, and enhancement of employee skills.

Cooperatives are business entities based on family principles and aim to improve the welfare of members. Organizational and capital completeness are two important factors that determine the effectiveness of cooperatives in achieving their goals. Organizational completeness refers to the structure and governance of a good cooperative, including the existence of an optimally functioning board, supervisor, and member meeting. This research uses a qualitative method. The results of this study reveal that a complete cooperative organization is the key to success in running a cooperative system. In addition to having complete administrators, supervisors, and member meetings, cooperatives also need to have a strong institutional structure. In addition, in terms of capital, having sufficient sources of funds will enable the cooperative to develop its business, expand its range of services, and have financial resilience in the face of risks that may arise. Thus, the overall comprehensiveness of the cooperative's organization and capital will be instrumental in determining the success of the cooperative system. Both aspects support each other to create an operational environment that is stable, transparent, and able to respond to challenges and opportunities in the market.

This study aims to develop leadership attitudes and ethics as well as a sense of responsibility among responsive and competent KOPMA USD administrators. The main problem faced is the lack of understanding and application of good leadership principles among the administrators. The methods used in this study include training, workshops, and intensive mentoring. The results show a significant improvement in the understanding and application of leadership ethics and responsibility among the KOPMA USD administrators. The administrators have become more responsive and competent in carrying out their duties, which is reflected in the increased performance of the organization and the satisfaction of KOPMA USD members. This study concludes that the leadership and ethics development program is effective in improving the quality of KOPMA USD administrators.

Violations in conversation are found not only in everyday life when people interact with other people, but also, in drama and films performed by characters, in novels, interviews, debates, and other forms of social interaction performed for various reasons. This study examines the violations of Grice's Maxim in the movie Jack Reacher: Never Go Back, focusing on the characters' conversational utterances. Using observation method and note-taking technique, the descriptive qualitative method was applied, analyzing data using the Theory of Cooperative Principles and Context of Situation. The results showed twenty-nine data of conversation were violated by the characters in the movie. Maxim of Quality (51,7%), Maxim of Quantity (13,8%), Maxim of Relation (10,4%), and Maxim of Manner (24,1%).  

The purpose of the study was to analyze how the role of Civil Service Cooperatives Medan city government in improving the welfare of its members. This research is in the form of descriptive qualitative research. Researchers conducted observations, notes, and interviews during the data collection process. From the results of the study shows that the cooperative civil servants (KPN) Medan City Government has a very large role in the welfare of its members. The benefits include the provision of ease of Business Financing assistance services, educational scholarships for family members and the provision of training/workshops to improve the ability of human resources (HR). And also advised to cooperatives should cooperatives always improve and maintain the efforts that have been made in improving the welfare of members who are members and always make improvements to the efforts that the target has not been achieved. cooperatives always remain guided by the principles, foundations, principles, and goals of cooperatives in improving the welfare of cooperative members.    

The principle of cooperation is definitely needed in a conversation, because with this principle, speakers and interlocutors can communicate cooperatively. Apart from helping speakers and speech partners achieve common goals in conversation, the maxim of cooperation can also provide a framework for communication to be more efficient and effective, so that it can benefit speakers and speech partners. However, sometimes in a conversation, violations arise from the speaker or speech partner involved and result in a violation of the principle of cooperation. Violations in the principle of cooperation in a speech can cause information defects and give rise to disagreements between the speaker and the speech partner. Therefore, this research was carried out with the aim of determining and explaining the types of violations of the principle of cooperation in conversations on the content of Lost Youth: "Butchering Cheetahs So that Cheetahs Will Ride in the Afterlife". This research uses pragmatic theoretical methods as well as qualitative descriptive methodological approaches. Collection techniques. The data used is a note-taking technique, namely by watching the video again, then taking notes on conversations that contain violations of the maxim of cooperation. The results of the research show that violations of the principle of cooperation that occur in the content are dominated by violations of the maxim of quantity which is characterized by the discovery of 10 violations of data. , 4 data violations of the maxim of quality, 5 data violations of the maxim of manner, and no violations of the maxim of relevance were found.

the study aims to analyze the imposition of a criminal verdict in the case of murder that occurred in case No. 117/PID.B / 2022 / PN GTO at the Gorontalo City District Court, as well as factors that influence the judge in deciding the murder case. The research method used is normative legal research with the approach of legislation and the approach of existing cases, which are then analyzed in a descriptive qualitative. The results showed that the analysis of the verdict on the murder case No. 117/Pid.B / 2022 / PN GTO at the Gorontalo City District Court, it can be concluded that the decision is the result of a criminal justice process based on the results of the examination and the facts of the trial as well as the cooperative attitude of the perpetrator. The factors that influence the decision, among others, are the evidence presented in the trial, witness testimony, Judge's consideration, and applicable legal provisions. The judge in his decision did not consider the elements of the indictment charged by the public prosecutor, namely Article 340 of the criminal code, but instead decided the case using Article 338 of the Criminal Code which, according to researchers, does not reflect the principle of legal certainty and Justice.

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.

Cooperatives are one of the vessels used by a large part of society in the development of economic activity. In addition to economic activity, the foundations and principles in cooperatives are a reflection for Indonesians in the family system. The purpose of this study to determine whether such a cooperative can be said to participate in building the community economy in Tanjung Balai City should be studied and observed in more depth. As for this type of research, it is a descriptive qualitative research. This means that the researcher tries to provide a view and an overview while the researcher will directly plunge into the public through the process of field observation, in-depth interview (in-depth interview) as well as face-to-face and discussion. The data collection technique in this study uses observation, interview, and documentation techniques with researchers as key instruments that are always directly involved in all research processes.  

Conclusions from initial observations, it appears that foster children show a number of personality traits that are not in line with the expected cooperative attitude and religious values. From the perspective of religious values and mutual cooperation, this research aims to explain character education initiatives as well as supporting and inhibiting factors. In the research design, qualitative descriptive methods will be used. Data collection methods include observation, interviews, and documentation. Displaying data and making conclusions from data analysis through reduction. Based on the research results, the task of the Aishiya Putri Orphanage is to teach religious principles, character education, and cooperative behavior to its foster children through the use of policies, procedures, guidelines, and punishments that can help foster cooperative behavior and religious character. The analysis and conclusions of this research center on the contribution made by cooperative orphanages to the development of the younger generation as a whole by offering character education as well as faith-based correctional and rehabilitation services. However, both motivational and disincentive elements have an impact on character education initiatives.

The function of this study is to determine the concept of sustainable development and its principles.To develop a development plan based on the concept of sustainable development, it is necessary to understand what elements are needed as well as what factors and tools are needed to develop sustainably. The pillars of sustainable development are economic sustainable, socially sustainable and environmentally sustainable, all of which must develop in a balanced manner; otherwise development will be trapped in conventional development models that emphasize economic growth alone and leave social and environmental development behind. In addition, for the success of sustainable development, the need for social capital that is able to maintain good cooperative relations between various government agencies both vertically and horizontally, as well as synergy between the government, private sector and the community with a multi-party approach from the three groups. in the preparation of environmentally sound development plans and policies

This research examines the regulation of remuneration for Foundation executives in Indonesia, focusing on legal aspects and its implementation. As Foundations evolve to support social, religious, and humanitarian objectives, cases of misappropriation of Foundation funds have emerged, highlighting the need for tighter oversight. Through a normative juridical approach and descriptive analysis, this study details the issues surrounding remuneration regulations, emphasizes instances of financial misconduct, and discusses the importance of establishing an external supervisory body or regulatory changes. The implementation of Good Corporate Governance and Good Cooperative Governance principles within the Foundation context is also explored. This research responds to the need for integrity, transparency, and accountability in Foundation management to achieve the humanitarian goals they undertake. The conclusion underscores the necessity for further action, including the establishment of an external supervisory body or regulatory strengthening.

This community service was carried out to increase Islamic cooperative literacy for teachers of SD IT Al Manar Takengon with a service learning approach. The community service team in this activity consisted of two lecturers and five students of IAIN Takengon's Sharia Banking Study Programme. Activities were carried out in September 2023 at SD IT Al-Manar Takengon. The training was carried out by providing material exposure to Islamic cooperatives' principles, operational mechanisms, and procedures for establishing Islamic cooperatives. The movement continued with role-playing learning to increase teachers' understanding of Islamic cooperatives. The activity results showed an increase in teacher literacy about Islamic cooperatives, which inspired the teachers to establish Islamic cooperatives at SD IT Al-Manar Takengon.

The main problem in this research is to examine the issue of the concept of Law Number 11 of 2020 concerning Job Creation Using a Beneficial Approach, regarding the view of Islamic Law regarding Law No. 11 of 2020 concerning Job Creation, benefits of Law no. 11 of 2020 concerning Job Creation for workers and the existence of Law no. 11 of 2020 concerning Job Creation from a Sharia Economic Law perspective. The type of research used in this research is library research. The data sources used are primary data and secondary data. The results of this research are that the review of Islamic law in Law no. 11 of 2020 concerning Job Creation is a form of preserving the soul (hifzh al-nafs) in the principles of maqashid sharia as a means of maintaining their economic rights to survive. As for the benefits of Law no. 11 of 2020 concerning Job Creation that can be felt at this time, namely: creating jobs, encouraging investment, an easier and faster licensing system, and simplified investment requirements. The value of Sharia Economic Law is viewed from Law no. 11 of 2020 concerning Job Creation, providing sharia economic growth, especially in the sharia financial industry in Indonesia such as Sharia Banks, Non-Bank Sharia Financial Industry, Sharia Cooperatives and Sharia Capital Markets, in the future there will be great opportunities in running their business.

In communication, people should be cooperative to avoid misunderstanding. Meanwhile, from the non-cooperation of Grice's theory of cooperative principle. Violating maxim means the speaker does not observe the maxim not in purpose. The flouting maxim implies that the speaker does not observe the maxim purposefully. This research analyzes the non-cooperative principle used by Podcast Dedy Corbuzier Scene Widi Viera-Cinta Laura. The researcher chooses this podcast because it can involves a conversation between a host and a guest star that discuss about a certain topic, the speaker might break the maxim of cooperative principle in delivering the message and providing information to the listener. This research was conducted by using descriptive qualitative. The present study aims 1) To find out flouting and violation maxim are used in Dedy Corbuzier’s YouTube Channel, and 2) To describe the reason why flouted and violation maxims occur in Podcast Dedy Corbuzier scene Widi Viera – Cinta Laura. The results that the researcher found are that out of 36 data, 14 were flouting a maxims, 22 were violation a maxims. From the result above, violation maxim was the most similar. Violating maxim means the speaker does not observe the maxim not in purpose , maxim quantity that cause speakers not to give enough information to a listener. Whereas in Flouting maxim happened because the speakers failed to obey maxim on purpose. Based on the data of flouting maxim of realtion most dominantly used that causes speakers want to change the topic and reveal the hidden meaning behind the utterances.    

Financial institutions have played a very large role in the development and growth of modern industrial society. BMT is included in the Sharia Financial Institutions which are operated on the principle of profit sharing, trying to grow and develop micro, small and medium enterprises, in order to raise the level and dignity and defend the interests of the poor. The aim of this research is to determine the role of BMT in empowering micro businesses and the potential of businesses financed at Baitul mal wa tamwil (BMT) to develop economic activities so that they provide positive, prosperous and of course more independent results. This research is qualitative research with a descriptive research type, and the research data is taken from first-hand data, namely customer perceptions and second-hand statements that can be trusted. Data collection techniques include interviews, observations and information from books, articles, journals and theses. Research findings show that BMT plays an important role in empowering micro businesses by providing financing in accordance with sharia and cooperative work operational agreements. That way, MSMEs will become more advanced and able to absorb workers, which of course will help a lot in economic development and alleviating poverty due to reduced employment opportunities.

In the economic field, cooperatives are a form of cooperation in the economic sector. People believe in this collaboration because their lives share some of the same needs. One of the Islamic Boarding School Owned Enterprises (BUMP) at the Izzatuna Putra Palembang Islamic Boarding School is a pesantren cooperative that works to support the economy and improve the economy. This study aims to: (1) Describe the extent to which Islamic boarding school cooperatives have contributed to the economic expansion of Islamic boarding schools., (2) What is the role of cooperatives in improving the economy of the Islamic boarding school Izzatuna Putra Palembang in the study of Islamic economics. This is a type of field research using primary and secondary data sources. The data obtained will be presented with narrative text. This study uses qualitative data analysis methods/techniques using inductive thinking methods. The results of this study indicate that: (1) The role of cooperatives in improving the Islamic boarding school's economy is marked by the development of cooperatives that run a trading business every day where a portion of the profits will be deposited to the Islamic boarding school, both material and non-material, and the Islamic boarding school cooperative is also very helpful. in increasing the income of members of the cooperative and the Islamic boarding school community. (2) Then the role of the Izzatuna Putra Palembang Islamic Boarding School Cooperative in improving the economy of the Izzatuna Putra Palembang Islamic Boarding School in an Islamic perspective is carried out in several ways, namely: sharia economic values ​​in helping the community's economy, and avoiding incompatibility of sharia economic principles.

The Ministry of Religion of the Republic of Indonesia assesses that there are still many Islamic boarding schools that have not yet been established, so they need to strive for their independence. For this reason, the Ministry of Religion has launched the “Pesantren Independence Road Map” (2021). This study examines the independence of Islamic boarding schools based on kopontren at the Sidogiri Islamic Boarding School (PPS). The aim is to prove the independence of PPS. The research method used is qualitative research which analyzes data in the form of statements and documentation. From the research conducted, it was found evidence that PPS is an independent Islamic boarding school both in terms of institutional, management, curriculum, manpower and funding aspects. This independence is achieved through the implementation of management principles such as planning, organizing, acting and controlling in managing the pesantren. In addition, the study also found that there are seven characteristics of PPS independence, namely having a business charity that is able to finance the financial needs of the pesantren, being able to manage its finances from the time the students register to completing their studies at the pesantren, being able to meet the basic needs of the students, being able to manage and determine the educational curriculum for the students. santri independently, not asking for help from other parties or the government to build pesantren. In addition, it has educational institutions, da'wah, social, economic and alumni networks that support the independence of pesantren.

Learning strategies can be interpreted as an outline of a course or general patterns of activities carried out by an educator and students in the embodiment of teaching and learning activities to achieve the goals outlined. There are several problems found by researchers in research locations, especially in the learning process of Akidah Akhlak at MTsS Miftahul Huda Silikuan Hulu Village, Ukui District, namely, students are not able to directly absorb the material presented by the teacher, lack of enthusiasm of students in class when learning Akidah Akhlak which causes some students to not care about the material presented by the teacher, and the teacher's lack of understanding of the application of learning strategies which can be seen from the learning process the teacher only uses monotonous learning strategies so that it does not increase the learning enthusiasm of students in the classroom. This research includes qualitative research, the data collected is in the form of words and pictures, in this case it is explaining how teachers use learning strategies. Researchers collected data through interviews, documentation, and field notes. Data were analyzed in three stages, namely data reduction, data presentation, and data verification. Techniques for guaranteeing the validity of the data are source triangulation, technical triangulation, and time triangulation. Based on the results of the research that the researchers conducted, it can be concluded that: (1) The strategies used by the aqidah moral teachers in class VIII semester 2 of MTsS Miftahul Huda Siliuan Hulu Village, Ukui District, namely problem-based strategies, discovery learning strategies, and cooperative learning strategies (2) Steps -Steps for implementing learning strategies in the subject of Aqidah Akhlak a. Opening learning activities, b. Explain the competence to be achieved, c. Educators help students define organizing tasks. d. Educators and students arrange tasks together. e. Students collect information according to the problem being discussed. f. Educators supervise the course of learning activities g. The teacher gives an explanation of the material. (3) Obstacles faced in implementing the implementation of the learning strategy of aqidah morals at MTsS Miftahul Huda Silikuan Hulu Village, namely the lack of teacher preparation in implementing learning, for the learning process to be carried out suddenly.

The purpose of this study is to examine specifically related to the governance and accountability of cooperatives that have been carried out in Indonesia. This study used a qualitative design, with a population of 125 journals and through purposive sampling, a sample of 35 journals was obtained. The results of the journal review can be concluded: (1). The trend of research on governance and accountability of cooperatives in Indonesia is mostly done with a qualitative design, obtained the concept: to improve governance can be done through socialization and training on SPI to managers; comply with ethical principles and rules; the accountability aspect must be audited by KAP; the role of government; principles of transparency, accountability, responsibility, independence and fairness. Measurement of the dimensions of democracy, the quality of human resources, transparency, accountability, responsibility, independence and fairness. Good financial planning, transparency and accountability in financial management, increasing management commitment, knowledge, understanding of the duties and authorities of management regarding business risks and communication. Factors of members, administrators and supervisors as well as honesty and understanding; Sharia good corporate governance requires supervision from the Supervisory Board. Understanding of the important role of cooperatives for improving the community's economy, consistency in preparing financial reports. (2). Based on the quantitative design, it is concluded: cooperative governance and accountability have a positive and significant effect and accountability as a mediating variable on cooperative performance, there is no difference between financial accountability performance before and during the pandemic, cooperative reform has a positive and significant effect on cooperative governance and cooperative governance has no effect on the effectiveness of lending.