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Sharia financial institutions continue to develop along with increasing public demand for services that comply with sharia principles. Among the various products offered, the Wakalah and Rahn contracts are two important instruments in providing diverse and flexible services. The Wakalah contract, which is a form of representation in transactions, allows customers to appoint a financial institution as a representative in managing their financial affairs. Meanwhile, the Rahn contract, or sharia pawn, allows customers to obtain financing by handing over goods as collateral. This research aims to explore the implementation and benefits of service products in sharia financial institutions that use Wakalah and Rahn contracts. The method used is literature study and case analysis of several sharia financial institutions in Indonesia. The research results show that the use of Wakalah and Rahn contracts not only increases flexibility and security for customers, but also supports the growth and stability of Islamic financial institutions. In addition, products based on these two contracts have been proven to be able to meet the diverse financial needs of society, while maintaining compliance with sharia principles. Thus, the integration of Wakalah and Rahn contracts in service products at sharia financial institutions is an effective strategy in supporting financial inclusion and sustainable economic development.

Fractions and decimals are basic mathematical concepts that have an important role in various aspects of daily life. This article discusses how fractions and decimals are used in daily activities such as measuring, calculating, and carrying out financial transactions. For example, in cooking, fractions are used to measure food ingredients, while decimals often appear in weight and length measurements. In economic transactions, decimals are key in rounding numbers and calculating prices. This article also explains the importance of understanding conversions between fractions and decimals to make decision making easier, both in personal and professional contexts. By providing applicable examples, it is hoped that this discussion can increase appreciation of the role of fractions and decimals in real life and encourage deeper mastery of these concepts.

This study aims to analyze the influence of marketing strategies and customer trust on purchasing decisions in Shopee-based online shops among students of the Faculty of Islamic Economics and Business, UIN Raden Intan Lampung. The research employs a qualitative method with a literature study approach, collecting data from various relevant literatures, journals, and documents. The findings reveal that effective marketing strategies, such as discount promotions, loyalty programs, and influencer engagement, significantly affect purchasing decisions. Moreover, customer trust, which is built on transaction security, product quality, and customer reviews, plays a crucial role in enhancing purchasing decisions. The study concludes that the collaboration between innovative marketing strategies and customer trust is essential for creating an optimal online shopping experience.

Hawalah is a debt transfer method that originates from Islamic traditions and is increasingly relevant in the modern business context, especially in international transactions. The background of this research focuses on the importance of understanding and executing effective hawalah to overcome the challenges faced by business actors, such as multiplying exchange rates and payment risks. The aim of this research is to explore the implementation of hawalah in business and identify the factors that influence its effectiveness. The research method used is a qualitative approach, with data collection through in-depth interviews with business people and document analysis from related literature. The research results show that a deep understanding of the hawalah mechanism is very necessary, and information technology support has been proven to increase transaction efficiency and transparency. However, challenges related to data security and the lack of clear regulations are still obstacles. The discussion underscored the importance of education, collaboration with trusted financial institutions, and building trust between the parties involved in the transaction. Overall, hawalah has great potential to support economic growth, especially for small and medium businesses, with the right strategy and in-depth understanding. It is hoped that this research can contribute to the development of knowledge and business practices in the field of sharia economics.

This study aims to develop an automated pipeline for data cleaning using Pandas and Scikit-learn. The data cleaning process is often performed manually, requiring a long time and prone to errors. This study uses a quantitative experimental method with a dataset of 100,000 rows of e-commerce transaction data. The results show that the automated pipeline reduces missing values by 95.7% and outliers by 91.7%, and accelerates processing time by 35% compared to manual methods. The distribution of data after cleaning becomes more stable, allowing for more accurate analysis. This study contributes to the development of a more efficient and accurate automated data cleaning approach.Keywords: Systematic Literature Review, Artificial Intelligence and Marketing Strategy.

Buying and selling is an essential economic activity in everyday life, especially in the context of Muslim societies that uphold sharia principles. This research aims to explore the rights and obligations of sellers and buyers in Islam, as well as the challenges faced in modern buying and selling practices, especially in the digital era. The method used in this research is a qualitative approach using literature study techniques and interviews with business people. The research results show that understanding of rights and obligations varies, with many sellers and buyers realizing the importance of transparency and honesty in transactions. However, the main challenge arises from online transactions, where uncertainty regarding product authenticity can reduce consumer confidence. Most consumers do not fully understand their rights, so further education is needed to increase awareness of transaction ethics. This research also found that the integration of technology, such as review systems and electronic contracts, can help strengthen trust in transactions. Overall, this research emphasizes the importance of collaboration between sharia principles, regulations and technology to create a buying and selling environment that is fair, sustainable and full of blessings.

Muamalah in Islam deals with financial issues with the principles of justice, efficiency, transparency, anti-riba, anti-gharar (uncertainty) and social responsibility. This study was conducted with the aim of examining the principles of muamalah from an Islamic economic perspective and how these principles can be applied to the modern economy. The introduction of this study highlights the importance of Muamalah maintaining ethics and morals in economic transactions, especially in the face of increasingly complex global economic developments that are often not based on justice. This study uses qualitative methods and a descriptive-analytical approach. Primary data were obtained through interviews with Islamic economic experts and Islamic banking practitioners, and secondary data were obtained from related literature such as books, journals, and Islamic economic articles. Thematic analysis was conducted to identify the application of muamalah principles in various economic sectors. The results of the study indicate that the principles of muamalah have been widely used in Islamic banking, Islamic investment and Islamic e-commerce with a focus on justice, efficiency and transparency. However, there are challenges in implementing these principles, especially related to the prohibition of gharar and riba in the speculative global financial system. This study concludes that the principle of muamalah can be the foundation for a better and more sustainable economic system, if supported by proper education and regulation.  

This article discusses alternative Islamic finance as a solution without usury in the contemporary era. The background to this research focuses on the negative impact of usury practices in the conventional financial system and increasing public awareness of the importance of ethical transactions. The aim of this research is to analyze the influence of sharia financial products on people's financial welfare and to evaluate the level of understanding and adoption of sharia financial products in society. This research uses quantitative methods with descriptive and inferential statistical approaches, which include surveys of various community groups who use sharia financial products. The research results show that Islamic financial products such as murabahah, musyarakah, and mudarabah not only encourage more ethical investments, but also increase local economic growth and support sustainable development. However, the main challenge faced is the public's low understanding of sharia principles, which hinders optimizing the potential of this sector. Financial technology (fintech) and collaboration between sharia financial institutions and the government are identified as important factors in expanding access and increasing financial inclusion. In conclusion, despite challenges such as a lack of understanding and the need for better regulation, Islamic finance has great potential to become a key pillar in a fairer and more sustainable global financial system. This research provides recommendations that more efforts should be made to improve education, transparency and collaboration to strengthen the Islamic finance sector in the future.

The use of technology in economic transactions is increasing, one of which is the digital payment system known as the Quick Response Code Indonesian Standard (QRIS). MSME players are not affected by the development of the QRIS digital payment system. However, currently not all MSMEs, especially micro businesses, have knowledge about this. Considering this phenomenon, this service activity was carried out with the aim of providing knowledge about the benefits and working procedures of QRIS in encouraging the efficiency of payment transactions. One of the micro businesses in Ambon city that has not yet used QRIS is Es Kelapa NTB. This business has quite a lot of loyal consumers but has not utilized QRIS technology, which causes a lack of knowledge about QRIS. The method of this activity begins with target identification, socialization about QRIS and monitoring and evaluation. Activities were carried out smoothly, every question about QRIS was answered in detail so as to provide knowledge and understanding of the digital payment system. It is hoped that this activity can make business actors have confidence in the security and convenience that can be provided by the QRIS digital payment system.

Digital transformation in educational services is an important need to improve efficiency and user satisfaction, especially in Islamic boarding schools. One of these innovations is the SISANTRI application used at the Darussalam Blokagung Islamic Boarding School, Banyuwangi, to facilitate the management of information and transactions for guardians of students. However, the effectiveness of this application still faces challenges, such as stagnation in feature development and negative reviews from users.This study aims to analyze the influence of E-Servqual, E-WOM, and E-Trust on E-Customer Satisfaction. Then, analyze the influence of E-Servqual, E-WOM, E-Trust, and E-Customer Satisfaction on customer loyalty. And analyze the role of E-Customer Satisfaction as a mediator of the influence of E-Servqual, E-WOM, and E-Trust on customer loyalty.The research method used is exploratory research and a quantitative approach with data collected through questionnaires distributed to 364 guardians of students selected using the Proportional Stratified Random Sampling technique. The research instrument uses a Likert scale to measure research variables. Then, the collected data is analyzed through several stages, namely determining the value of the variables, testing the research instrument (validity and reliability tests), path analysis using the Partial Least Square (PLS) method, hypothesis testing, and path calculations.The results of the study showed that E-Servqual, E-WOM, and E-Trust significantly influenced E-Customer Satisfaction. In addition, E-Servqual, E-WOM, E-Trust, and E-Customer Satisfaction significantly influenced customer loyalty. Then, customer satisfaction was not able to be a mediating variable between E-Servqual, E-WOM, E-Trust, and customer loyalty, but still contributed to loyalty directly.It can be concluded that improving E-Servqual, E-WOM, and E-Trust is very important to strengthen E-Customer Satisfaction and Customer Loyalty, although E-Customer Satisfaction does not mediate the relationship. Further development should be focused on improving these three main factors that affect customer loyalty.

The current digitalization era makes people adapt to technological developments, including in terms of payment transactions. Quick Response Code Indonesian Standard (QRIS) has emerged as a practical and simple digital payment solution, but for MSMEs, especially the elderly (4060 years) or the general public, there are still many challenges. This service aims to evaluate the effectiveness of training and community service in increasing the use and understanding of QRIS among elderly MSMEs and the general public in Sukadami Village, South Cikarang District. Through participatory training methods and quantitative approaches, this study measures the impact of the service program on digital literacy and the level of QRIS adoption.

With increasingly sophisticated technological developments, all sales and purchase transactions can be carried out online through various platforms including websites, social media, e-commerce and other platforms. However, online transactions can cause legal problems. One of the legal problems that often involves the sale and purchase agreement between the seller and the buyer is a breach of contract. Court Decision Number 629/Pdt.G/2020/PN Jkt.Sel is one of the cases of online sale and purchase breach involving Celvin as the buyer as the Plaintiff with Satrya as the owner of the brand "Namastudios" as the Defendant. This article raises the formulation of the problem regarding the legal remedies available to the injured party in the case of an obligation in the decision Number 629/Pdt.G/2020/PN Jkt.Sel involving default in online buying and selling transactions and the implications of the decision Number 629/Pdt.G/2020/PN Jkt.Sel on consumer protection in online buying and selling transactions in Indonesia.  

The rapid development of financial technology (fintech) provides innovative solutions to improve efficiency and accessibility in the Islamic finance sector. Islamic finance, based on Islamic principles, faces challenges in financial inclusion, high operational costs, and limited access to financial institutions. This study aims to explore the application of fintech as a solution to these issues. The research method used is literature review and qualitative analysis of various fintech models based on sharia principles, such as peer-to-peer lending, crowdfunding, and digital payments. The results indicate that fintech has significant potential in enhancing operational efficiency and expanding accessibility to sharia-compliant financial services. By utilizing technologies such as mobile applications and blockchain, fintech can reduce transaction costs and offer solutions for underserved communities. However, challenges related to sharia compliance and clear regulations need to be addressed to ensure the successful implementation of fintech in this sector.

Lubuk Karet Village has great potential in rubber production. However, the rubber sales process is often faced with various obstacles, such as difficulty in determining the right price and lack of transparency in transactions. This study is an analytical study using a qualitative approach. The aim is to analyze and design a prototype of a rubber sales application. This study uses questionnaires and interviews as the main data to answer research questions. The output of this study is the identification of problems and concerns of farmers related to how to calculate market prices, difficulties in recording transaction history, and minimal transparency of information regarding selling prices in the wider market. Then the second finding is regarding the prototype design of a prospective rubber sales application which will later be further developed by researchers. From the results of the analysis in this study, it is hoped that there will be further development of the application with farmer data entry features, rubber price calculations, and transaction tracking. It is hoped that this application can provide convenience for farmers in selling their crops, increase farmers' income, and provide transparent information regarding market prices. In addition, this application can also be a promotional media for local rubber products.

Stocks are one of the most popular investment instruments due to their high profit potential. However, in the Islamic view, stock investment requires special consideration to ensure its compliance with sharia principles. This study aims to explain the concept of stocks in the Islamic perspective, the criteria for halal stocks, and the ethical principles that must be applied in investment activities. In Islam, stocks are considered halal if the company that manages its business does not conflict with sharia, such as avoiding usury, gambling, and businesses that contain haram elements. In addition, the stock transaction mechanism must be free from excessive speculation (gharar) and market manipulation. By understanding these principles, Muslim investors can invest responsibly in accordance with Islamic values. This study is expected to provide practical guidance for the public in managing sharia-based investment portfolios.

The implementation of the Zoho Books application at PT. Damai Indopertama Sukses aims to improve the efficiency and accuracy of the company's financial records, which were previously managed manually using Microsoft Excel. The application deployment method includes interviews, observations, and documentation to understand the company's needs. The implementation results indicate that Zoho Books simplifies financial transaction recording, generates automated financial reports, and provides real-time access to financial data. This reduces the risk of manual errors and accelerates the financial reporting process. Additionally, the automation features in Zoho Books enable the company to better monitor cash flow and financial performance, supporting accurate data-driven decision-making. This implementation offers a significant solution to the challenges of manual financial management and establishes a foundation for the company's operational sustainability.

The practice of vote-buying and money politics in elections is a common issue found in the democratic process, which contradicts the principles of Islamic law. Offering money or basic necessities to the public with the intention of influencing votes is considered bribery. Transactions between legislative candidates and voters in exchange for certain rewards raise serious ethical and legal concerns from an Islamic perspective. In Islamic law, transactions that involve uncertainty (gharar), manipulation, and dishonesty are not permissible because they go against the principles of justice, transparency, and integrity outlined in Sharia. Vote-buying is regarded as an act that corrupts trust (amanah), as candidates involved fail to fulfill the rights and trust granted by the voters. This practice also creates social injustice, as it can unfairly affect election results and harm the interests of the broader society. Therefore, from the perspective of Islamic law, vote-buying is not only considered haram but also violates the fundamental principles of muamalah, which demand fairness and honesty in every transaction.

Training activities for recording simple digital-based financial reports through the TokoKu application were carried out with the participant Mrs. Ngadiyah, owner of Warung Snacks and Sembako Hidayah. This training aims to help MSMEs overcome the problems of disorganized manual recording, minimal understanding of financial reports, and limited use of technology. This activity is carried out in three stages: preparation, implementation, and mentoring. The results of the training showed an increase in participants' ability to record transactions, prepare simple financial reports, and manage inventory more efficiently. The TokoKu application also helps reduce recording errors and makes business decision making easier. Even though there are obstacles related to technology adaptation and poor internet access, this training succeeded in proving that digitalization can increase the sustainability and competitiveness of MSMEs in the digital era.

This study aims to examine the factors affecting the use behavior of the Flip.id application using the UTAUT2 framework. The results indicate that performance expectancy, effort expectancy, and social influence positively affect behavioral intention. Meanwhile, facilitating conditions and behavioral intention positively influence use behavior. The study found that facilitating conditions and performance expectancy are the strongest antecedents in this research. The findings also reveal a negative effect of hedonic motivation on behavioral intention, while price value does not influence behavioral intention to use the Flip.id application. The moderation testing of experience on facilitating conditions and hedonic motivation shows a positive relationship. However, perceived credibility does not moderate the relationship between behavioral intention and use behavior. Based on the findings, it is evident that the ease of application use, adequate facilities, usefulness, and recommendations play crucial roles in increasing behavioral intention. Conversely, emotional and financial aspects do not demonstrate significant importance for users. This study provides implications for Flip application developers to enhance functional features, user education, and other facilities that support transaction processes within the application.

The UMKM digitalization is carried out by utilizing digital technology to expand the marketing of UMKM products through digital marketing. The method used is the observation method by going directly to the UMKM location. The selected UMKMs in this service are UMKM Dua Putra and UMKM Tempe and Soy Milk. After conducting a survey and finding the problems faced by these UMKMs, this service carried out the development of UMKMs by making UMKM product brands and logos, making Google Maps, and making QRIS. The results and benefits obtained from this activity are first, branding UMKM products by giving the name “Tempe Ndeso” and making a logo so that it can increase consumer attractiveness and increase sales. Second, location placement on Google Maps for UMKMs so as to facilitate buyer access and increase visibility. Third, the implementation of the QRIS payment system at the Dua Putra UMKMs for an integrated digital payment system to facilitate transactions and increase payment efficiency.