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The purpose of this study is to know and analyze the influence of intellectual capital and musyarakh financing on the financial performance of Sharia Commercial Banks for the 2017-2022 period. This research is a quantitative research that uses secondary data. The population in this study amounted to 13 Sharia Commercial Banks. Samples are selected using the Purposive Sampling method. In this study produced a sample of 48 observational data (8 BUS in 6 years). The results showed that Intellectual Capital partially affected the financial performance of Sharia Commercial Banks for the 2017-2022 period. Meanwhile, Musyarakah Financing does not significantly affect the financial performance of Sharia Commercial Banks for the 2017-2022 period.

This researcher aims to explain the management of BUMDES in Rantau Badak Village, West Tanjung Jabung Regency and the management of BUMDES from an Islamic economic perspective. This researcher uses a qualitative method, data collection techniques are obtained from observation, interviews and documentation related to this research. In this study, the researcher conducted interviews with the village head, the head of BUMDES and one of the people in Rantau Badak Village. Based on the results of the research that has been conducted by the researcher, it can be concluded that the types of businesses studied are two types of businesses, namely drinking water depots and tent rentals. Both types of businesses are managed by BUMDES Rantau Badak Village. In the management of BUMDES, it has been able to improve the community's economy, for example by opening up employment opportunities, training community skills and expertise, but the error lies in the lack of public awareness because they do not utilize the facilities available at BUMDES. Then the management of BUMDES from an Islamic economic perspective in Rantau Badak Village has moved towards sharia, namely in the tent rental business and drinking water depot business because it is ta'awun which means helping each other and which is not sharia, namely in Brilink because it contains usury, and BUMDES has moved towards sharia

This thesis aims to: (1) To determine the marketing strategy of the tofu production business in increasing sales results according to an Islamic economic perspective at the Pinta Tofu Factory in Neighborhood VII, Sibuhuan Market, Barumun District. (2) To find out the advantages and disadvantages of marketing strategies used by Pinta Tofu Factory in Neighborhood VII, Sibuhuan Market, Barumun District.  This research is a type of field research (field research), where this research uses qualitative research methods. The subjects in this study were the owners and employees of the Pinta tofu factory. Data collection techniques in this study were through observation, interviews and documentation. Data analysis techniques used in this research are data reduction, data presentation and conclusion drawing. The results showed that: (1) The marketing strategy applied by Pinta Tofu Factory is a market segmentation strategy, market positioning, differentiation and targeting. Then in the application of market segmentation, it suggests three segments such as psychographic segmentation, geographic segmentation and demographic segmentation. This is done so that it has a good impact on the business run by Mrs. Uba Roisa Lubis. (2) The advantages of choosing a location that makes the selling power of the Pinta Tofu Factory, having a strategic production site and directly marketing the products owned directly to traditional markets are also an attraction because it is easier for people to buy the products offered. While the shortcomings of the Pinta Tofu Factory are in capital problems in developing the business, the scarcity of production raw materials, namely soy beans, is also an obstacle in meeting public demand and the many competitors that appear in the target market by offering the same product.

This journal discusses the influence of the inflation rate on Gross Domestic Product (GDP) based on an Islamic Economics perspective. So it can be understood that the size of the inflation rate in a country will greatly influence the level of GDP. Where inflation has a simultaneous influence on GDP, and inflation has a partial negative impact on GDP. The writing of this journal uses a deductive qualitative approach (from general to specific), examining relevant general phenomena, then producing specific studies and conclusions on matters that are the object of research, using a normative juridical approach with literature study. A country's economic growth can be represented through an increase in the country's GDP, apart from income factors in terms of consumption, investment, government spending and net exports. GDP is greatly influenced by the inflation factor. Inflation in the view of Islamic economists is an economic indication that occurs at a macro level in almost every country related to the decline in the exchange rate of money for goods and services, whether it occurs naturally (natural inflation) or is caused by human error (Human Error Inflation). Inflation does not only occur naturally, it can be caused by the pull of Aggregate demand (Aggregate demand) or due to a decrease in Aggregate supply (Aggregate Supply), but also occurs due to human error in regulating state administration and law enforcement, giving rise to a country's economic interconnectedness. Maintaining the stability of a country's economy by controlling the rate of inflation is something very basic, where inflation significantly affects Gross Domestic Product. GDP is an important indicator of economic growth in measuring economic activity, especially the volume of production in a country in one year.

The background to this thesis is that apart from Muslim customers, there are also non-Muslim customers who are gold pawning customers at the Pekanbaru branch of Bank Syariah Mandiri. The aim of this research is to find out the motives of non-Muslim communities for using gold pawning financing services at Bank Syariah Indonesia Jambi Branch Office and to find out how Islamic economics views the motives of non-Muslim communities for using gold pawning financing services at Bank Syariah Indonesia Jambi Branch Offices. The population in this study was 4 non-Muslim customers who used the gold pawn financing services of Bank Syariah Indonesia, Jambi City Branch. This research is field research or what is known as field research. The location of this research is Bank Syariah Indonesia, Jambi City. The sample in this research was all non-Muslim customers, namely 4 people who used gold pawning financing services at Bank Syariah Indonesia, Jambi City. After the author conducted research, it can be concluded that the motive for non-Muslim people to become gold pawning customers at Bank Syariah Indonesia Jambi City Branch is because non-Muslim customers need capital, such as to sell in markets. Some of the motives used by non-Muslim customers are personal motives, cultural motives, religious motives, stimuli, Islamic economic views on the motives of non-Muslim communities for using gold pawn financing services at the Pekanbaru branch of Bank Syariah Mandiri in accordance with the rules of Allah SWT, leading to the achievement of goodness, prosperity, helping humans to achieve success.

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

Monetary policy in Islamic economics is an important aspect in maintaining economic stability and promoting the welfare of the people. In the Islamic economic paradigm, monetary policy aims to create a balance between sustainable economic growth and fair distribution of wealth. Principles such as fairness, sustainability and fairness are the basis for formulating monetary policy. First, monetary policy must ensure that the creation of new money is carried out responsibly, avoiding inflation that is detrimental to society. In addition, the Islamic monetary system encourages the use of financial instruments based on sharia principles, such as mudharabah and musyarakah, which encourage healthy economic participation. Second, monetary policy must pay attention to aspects of wealth redistribution to reduce economic inequality. This can be achieved through collecting zakat, infaq and sadaqah as well as channeling funds to sectors in need, such as education, health and poverty alleviation. By implementing monetary policy in accordance with Islamic economic principles, it is hoped that an economy that is inclusive, sustainable and fair can be realized for all members of society.

The main problem in this thesis is that in the last few months JNT Express Palembang branch has often experienced a decline in sales and also complaints from customers about the many problems that occur in the service felt by consumers such as problems with late delivery of goods, shipments that cannot be tracked, damage to goods to loss of delivery packages. These complaints were obtained from the Internet Media. The purpose of this discussion is to find out the Implementation of Risk Management in the Delivery of Goods at JNT Express Palembang Branch Services and Islamic Economic Review on Risk Management in the Delivery of JNT Express Palembang Branch Services. This research is a field research. By using qualitative methods. This research uses informants consisting of 6 people, namely 1 Leader, 1 Admin, 1 Courier and 3 JNT Palembang Branch Consumers. This research was conducted at JNT Ekpress, Jl. Sultan M. Mansyur, Bukit Lama, Kec. Ilir Barat I. Palembang City. While the data collection method in this study is in the form of observation, interviews, documentation. Based on the results of the study. Risks in shipping JNT goods are Social, Physical, Customer and Competition factors. The obstacles are delays, wrong addresses, damage and loss of goods. To prevent or minimize the occurrence of risks, JNT issues Standard Delivery Terms (SSP). Review of Islamic Economics on Risk Management in the Delivery of Goods Services JNT Express Palembang Branch is not contrary to Islam.

This research examines the contribution of Islamic economics to economic development through instruments such as Baitul Mal Wattamwil (BMT), sukuk, sharia banks and waqf banks. The method used is a literature study with secondary data analyzed using content analysis. The research results show that Islamic economics makes an important contribution to economic development in Indonesia. BMT increases employment opportunities and reduces poverty, sukuk plays a role in state financing and infrastructure, sharia banks contribute to financing the real sector and social services, while waqf banks empower the community's economy. Islamic economics is an alternative economic development that pays attention to moral and social aspects, not just growth.

In classical discourse, Islamic governments that have appeared on the stage of history have exemplified the forms of state income and expenditure. This article describes a comparison of fiscal policy, namely in the income and expenditure of the state treasury according to Islamic and conventional government systems and their implementation which has similarities with fiscal policy in Indonesia. The study method used is literature study, the data obtained is compiled, analyzed and concluded to draw conclusions. The results of the study show that fiscal policy has been implemented since the time of the Prophet Muhammad with the emergence of policy instruments that are in accordance with Islamic principles. As for the fiscal policy that has been exemplified in Islamic government, it has been able to be reformulated in accordance with the legal order and culture of the Indonesian people. It's just that the implementation mechanism is different from what has been implemented by Islamic governments, however, the principles and objectives have much in common. As for the fiscal policies of the State of Indonesia which are considered to be adapted from the Islamic government system, namely kharaj with PBB, 'usyr such as customs with PPn and jizyah such as visas with PPh.

Latar belakang: E-commerce telah berkembang pesat beberapa tahun terakhir ini, karena menawarkan berbagai kemudahan serta produk yang menarik perhatian konsumen untuk berbelanja secara online dalam memenuhi kebutuhannya, perkembangan ini juga di ikuti dengan metode pembayaran digital yang sangat bervariasi, salah satunya metode pembayaran yang saat ini popular dan di minati oleh berbagai kalangan masyarakat adalah shoppe paylater. Tujuan: untuk menganalisis penggunaan shoppe paylater pada karyawan PT.Shoetown Kasokandel dalam pandangan ekonomi islam. Metode: penelitian ini dilakukan secara kualititatif dengan wawancara secara intensif dan observasi di lokasi PT.Shoetown Kasokandel, beberapa karyawan diwawancarai dengan kriteria telah menggunakan shoppe paylater tiga tahun terakhir di e-commerce shoppe. Temuan: hasil penelitian menunjukan bahwa shoppe paylater digunakan karyawan untuk : (1) membeli barang yang di ingikan / atau menarik perhatian, (2) memanfaatkan atau tergiur promo dan diskon yang ditawarkan karena lingkungan atau iklan, (3) membeli barang secara kredit hanya untuk meningkatkan gaya hidup, karena batas pinjaman yang diberikan sangat besar bagi karyawan, (4) ketentuan persyaratan pinjaman shoppe paylater sangat mudah tanpa melihat kondisi keuangan. Kesimpulan: penggunaan shoppe paylater terjadi peningkatan konsumsi yang dilakukan karyawan sehingga meningkatkan prilaku konsumtif dikarenakan Shoppe paylater menggunakan sistem beli sekarang bayar nanti.

This study explores the development of Islamic economic thought during the Umayyad Dynasty (661-750 CE). Using descriptive and literature review methods, this research highlights the integration of Islamic principles into economic policies and practices during this era. Key findings indicate that the Umayyad rulers implemented zakat, kharaj, and jizyah systems to ensure wealth redistribution and welfare. Infrastructure development and monetization through dinar and dirham currencies also contributed to economic stability while adhering to Islamic ethical values. Despite challenges such as social inequality and administrative inefficiencies, the Umayyad Dynasty laid a foundation for future Islamic economic systems that prioritize justice and prosperity.

Leasing is one of the muamalah practices carried out by humans in everyday life. In Islam itself, it is highly recommended for humans to help each other, cooperate, because in reality humans cannot live well without the help of other humans. Rentals are also carried out by the people of Kuala Keritang village to fulfill their living needs. This type of research is a research method using qualitative research which is based on the research process by producing descriptive data in the form of writing and expressions obtained directly in the field. Data collection techniques use observation, interviews and documentation methods. To obtain valid data, researchers used primary data sources and secondary data. The results of this research are that the god-rental agreement in Kuala Keritang Village was carried out verbally, there was no written or other evidence that it was made directly between the rice field owner and the rice field tenant. The rental agreement is carried out when the rice field owner and tenant know each other and there are still family ties. Leasing is done because the tenants do not have land to manage and the rice field owners are no longer able to work on their own fields.

PTPN IV Medan Company is a company operating in the plantation sector in Medan, Indonesia. As a company operating in the business sector, PTPN IV Medan also has a retail business division which is an important part of its operational activities. This research is the result of qualitative research by raising the problem of how to apply Islamic economic principles in the PTPN IV Medan company. This type of research method is qualitative research using a descriptive approach and library research. As for the data sources in this research, the primary data is interviews with related parties, namely employees who work at the PTPN IV Medan company, while the secondary data is data obtained through reports regarding the PTPN IV Medan Company. In this context, it is important to evaluate the extent to which this company applies Islamic economic principles in its retail business. This analysis can also provide insight into the effectiveness and success of implementing Islamic economic principles in the company's retail business.

This research aims to analyze the development of marketing digitalization for Bana Chip Lumer culinary SMEs from an Islamic economic perspective. The research was conducted by conducting interviews with the business owner, Andriani Safira, to gain insight into the use of social media and online ordering platforms in marketing Bana Chip Lumer products. The research results show that digitalization of marketing has had a positive impact on these SMEs, such as increasing product visibility, increasing sales, and expanding geographic reach. Apart from that, digital marketing also supports Islamic economic principles, such as justice, transparency and sustainability. This research provides a deeper understanding of the importance of digital marketing for culinary SMEs in achieving success and running a business in accordance with Islamic economic principles.

The aim of this research is to find out how the basic price of furniture production is determined and constrained by Islamic economics in Taman Rajo District. 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, while for data analysis the researcher uses domain, textonomic and componential analysis. The results of the research explain that determining the basic price of furniture production according to Islamic economics in Taman Rajo District is carried out using several methods, including furniture business actors in Taman Rajo District determining or calculating the cost of raw materials used to produce furniture products. Business actors calculate labor costs which are calculated based on the results of the products produced and business actors calculate overhead costs which are costs incurred apart from raw material costs and labor costs in the production process. Obstacles in determining the basic price of furniture production according to Islamic Economics in Taman Rajo District include limited business capital which has an impact on determining production prices because the supply of raw materials is less affordable due to limited business capital for furniture business owners. Apart from that, the obstacle in determining the cost of production is that the strategic market target has not been achieved because the marketing strategy implemented by the business owner has not been maximized so that determining the cost of production is still based on the number of customers who order furniture products.

Based on the results of research conducted that: (1) The concept in Islamic economics is something promised and paid by tenants as compensation or payment for the benefits they enjoy. In principle, anything that can be used as a medium of exchange in buying and selling may be used for payment in wages. In addition, wages must be something of value and permitted by syara' and the amount must be known. The amount of the prescribed wages is known by both parties, both in terms of rent and wages. An appropriate reward according to syara' is something of value and there is pleasure between the two parties. (2) The concept of Islamic economics regarding the payment system for rice field plowing services in Aek Bonban Village, Aek Nabara Barumun District, is in accordance with Islamic economic theory. The land owner gives the plowman's wages at the promised time. For every job of plowing a field, the owner of the field immediately gives his wages. There is a small portion that pays wages later or even after the harvest, but there is no intention to delay or prolong the payment of wages. Even so, this can be understood by both parties, because financially the owner of the rice field must be able to pay wages, and usually. this has been agreed before. because it has fulfilled the pillars and conditions of wages. where in the agreement made between the owner of the rice field and the rice farmer contains the amount of wages and the time of payment of the wages. So that there is no element of fraud in it that can harm either party.

The practice of Ba'i Al Wafa' in an Islamic Economic Perspective is an agreement that occurs between two parties, namely the seller (the owner of the rice field) and the buyer, whereby the rice field can return to the seller (the owner of the rice field) if the rice field can be redeemed by the seller (the owner of the rice field). If the field has not been redeemed, the field will remain in the possession of the buyer. (2) Analysis of the Practice of Ba'i Al Wafa' Sawah in Parannapa Jae Village, Barumun Barat District, Padang Lawas Regency according to an Islamic economic perspective, namely buying and selling that takes place on condition that the goods being sold can be repurchased by the seller when the agreed grace period has arrived. Based on an explanation of the practice and theory of bai' al wafa', it can be said that the practice of buying and selling that took place in the village of Parannapa Jae, Barumun Barat District, Padang Lawas Regency, in practice was in accordance with an Islamic economic perspective.

This research aims to explore how people in the Islamic economy feel about the Shopee app's PayLater feature. And to get a breakdown of how Shopee PayLater is being utilised. The methodology of this study is qualitative. This research uses observation, interviews, and documentation to gather information. While data visualisation and reduction are used for analysis. According to the findings of this research, Shopee users can benefit from the convenience of Shopee PayLater's on-time payment options by taking advantage of the company's bailout funds. Shopee PayLater continues to impose unnecessary costs on its customers by charging interest on past due balances and other fees with every purchase. The Qardh and Prohibition of Transactions in the Islamic economy state that Shopee PayLater is not permitted because it contains elements that are detrimental to the user, so the app's use is prohibited if it is banned in the Islamic economy.

The purpose of this study is to explore the opinions of classical and contemporary scholars about Makassid Sharia theory and to demonstrate the implementation in Islamic economics and Islamic psychology. Data sources for this study are books on Makassid's Sharia theory, Islamic economics and Islamic psychology written by classical and contemporary scholars. Data collection was conducted by careful reference surveys related to Makassid's Sharia theory and its practice in Islamic economics and Islamic psychology. The data analysis techniques used are descriptive and qualitative. The impact of this research makes the control of the Islamic economic system better. In this study, the application of Makassid Sharia in Islamic economics is found next in its five main purposes. Another purpose of this study is to determine the planning, organizing, implementing, and controlling community empowerment programs in Indonesia. Thus, the result to be achieved is to obtain a complete picture and explanation of how the governance of collecting and utilizing alms properly for the development of productive businesses.   Keywords: : Implementation, Economy, Growth, People