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Contract law serves as a fundamental pillar of the modern legal system, regulating relationships and interactions between parties involved in various economic and business transactions. A contract functions as a legal instrument that ensures certainty, fairness, and the protection of rights and obligations among the parties. This paper provides an in-depth analysis of the essential principles of contract law, such as the principles of freedom of contract, consensualism, good faith, and pacta sunt servanda, as well as their practical implementation within the Indonesian business context. Furthermore, this study discusses common challenges in the application of contract law, including unequal bargaining positions, contract breaches, and difficulties in law enforcement. The discussion also explores mechanisms for resolving contractual disputes, both through litigation and alternative dispute resolution methods such as mediation and arbitration. This research aims to provide a comprehensive understanding of how contract law functions not only as a binding legal framework but also as an instrument to promote equitable, transparent, and sustainable business relationships.

This study aims to examine various factors that influence customers' engagement in choosing the Cicil Emas product as a form of long-term investment at Bank Muamalat Purwokerto. This research is based on the increasing trend of gold investment in the community caused by the increase in gold prices and awareness of the importance of halal investment according to sharia principles. This study uses a descriptive qualitative approach with data collection techniques through interviews, observations, and documentation of Bank Muamalat Purwokerto. The results show that customer interest is influenced by several main factors, namely trust in sharia principles through the murabahah contract, a positive perception of gold as a stable investment asset, the ease of installment procedures that are flat and transparent, and the efficiency of the payment system through autodebit. In addition, social factors such as family recommendations and active promotions from the marketing department also strengthen customer interest. From the SWOT analysis, it was found that the main strength of this product lies in Bank Muamalat's reputation as a pioneering sharia bank and a stable installment system, while its main weaknesses are limited physical gold stocks and low public investment literacy. With increasing public awareness of sharia investment and the large market potential in Purwokerto, the Cicil Emas product has strong prospects for continued growth as a safe and Islamically-compliant long-term investment instrument.

Independent Community Service Program (KKN) is a form of student community service that aims to apply knowledge practically in the field. This activity was carried out by students of the University of Muhammadiyah North Sumatra with the theme "Building Student Financial Awareness Through Education and Socialization in Schools. " This program aims to improve financial understanding among students from Elementary and High Schools in Perkebunan Gunung Melayu Village, Rahuning District, Asahan Regency. The methods applied include interactive socialization, educational games, and quizzes to stimulate students' interest and understanding of the importance of saving and managing finances from an early age. The results of this activity show that students begin to recognize the basic concepts of financial management, including how to distinguish between needs and desires, the significance of saving, and the application of Islamic financial principles in daily routines. In addition, this activity also serves to increase public understanding of the importance of financial education for children. The main element that facilitates the implementation of activities is support from educational institutions, village governments, and local communities, while the main challenge faced is the lack of attention of elementary school students caused by their habits that still prefer to play. Overall, this KKN program has a positive impact on increasing students' financial awareness and has the potential to be a simple financial education model at the elementary and secondary school levels

This research examines the paradox of Christian leader integrity in facing political polarization and group identity in Toraja society. The background of the problem is a contradictive phenomenon where Christian communities strongly emphasize ethical character of leaders, yet strong group identification can blind them to ethical inconsistencies of supported leaders, especially in the dynamics of regional and presidential elections that divide churches. This research aims to analyze the paradox of Christian leader integrity, identify psychological, theological, and sociological factors causing ethical blindness, and formulate leadership principles that can maintain integrity amid political pressure. Using qualitative descriptive methods based on literature study, this research collects data from leadership theology literature, group identity psychology, and empirical studies on political practices in Toraja Christian communities. Research findings show that the integrity paradox manifests in local political dynamics where ethical standards become loose when leaders come from the same identity group. Factors causing ethical blindness include in-group bias and cognitive dissonance (psychological), sacred-secular dualism and permissive interpretation (theological), as well as clan structure and conformity pressure (sociological). The formulated leadership principles include commitment to biblical standards, theology-based political education, transformative prophetic role, accountability systems, contextual leadership, and building mature faith communities. The implication is that this research provides theoretical contributions to the development of contextual leadership theology and practical recommendations for church leaders in navigating the complexity of identity politics. Research recommendations include developing theology-based political education programs in churches, building leadership accountability systems, and further empirical research to validate the conceptual framework that has been built.

Integrated Quality Management (IQM) or Total Quality Management (TQM) has become a strategic issue in the field of education because it is directly related to improving the quality of learning, school management, and the achievement of sustainable competency standards. In the context of Islamic education and integrated schools, the implementation of IQM is not only oriented toward managerial efficiency but also toward the integration of religious values and the development of students’ character. Therefore, this literature review is essential to understand the development, trends, and challenges of IQM implementation in education. The purpose of this literature review is to examine how IQM is applied in various educational institutions and to identify its theoretical and practical contributions. The research questions proposed are: (1) How are the concepts and principles of IQM developed in education? (2) What are the main impacts and challenges of its implementation? The study employed a literature search through repositories, e-journals, and online publications using the keywords “integrated quality management,” “TQM,” and “education.” Out of 20 initial articles, only 5 met the inclusion criteria and were analyzed in depth. The analysis results revealed three main themes: strengthening the fundamental concepts of IQM, the role of key figures and TQM principles in education, and the implementation impacts on academic and non-academic quality. In conclusion, IQM has proven to be relevant as a strategy for improving educational quality, although challenges such as limited resources and internal resistance still need to be addressed. Future research should explore adaptive IQM strategies tailored to the local school context.

This study aims to analyze the implementation of mangrove rehabilitation policies after Cyclone Seroja in West Oesapa Village, Kupang City, using Merilee S. Grindle's policy implementation theory and the principles of good governance. Mangrove rehabilitation is a crucial step in the recovery of coastal ecosystems affected by disasters, but in practice it often faces various obstacles, both in terms of institutions, coordination between actors, and community participation. This study uses a descriptive qualitative approach. Data collection techniques were carried out through in-depth interviews with nine informants consisting of representatives of government agencies (DLHK, BKSDA), field supervisors, NGO administrators, RT heads, and local communities. Data analysis was carried out by referring to two main variables of Grindle's theory, namely policy content and implementation context, which were then combined with governance principles such as coordination, participation, transparency, effectiveness, and accountability. The results of the study indicate that the implementation of the mangrove rehabilitation policy in West Oesapa does not fully reflect the principles of good governance. Coordination between actors is not optimal, community participation is still passive, and post-implementation monitoring mechanisms have not been implemented. The dominance of technical implementers and minimal community involvement in planning are major obstacles to achieving program sustainability. Therefore, strengthening collaborative governance and community empowerment is needed to ensure effective and sustainable mangrove rehabilitation.

This study aims to analyze the impact of digitalization of public services on budget efficiency, governance innovation, and economic growth in Indonesia. Using qualitative methods through a literature review approach, this study explores various academic sources and policies related to the digital transformation of government. The results show that the implementation of the Electronic-Based Government System (SPBE), e-budgeting, and online public services have a positive impact on increasing transparency, accelerating service delivery, and reducing operational costs. Furthermore, digitalization has contributed to the creation of a new economic ecosystem, which in turn strengthens the principles of good governance in government. However, several obstacles remain to be overcome, such as infrastructure inequality, low digital literacy among the public, and weak regulations supporting the application of technology in public services. Therefore, the success of digitalization of public services depends heavily on the readiness of human resources, the strengthening of more inclusive policies, and synergy between government agencies so that digital transformation can be effective, sustainable, and reach all levels of society.

The study of classical Islamic texts (kitab kuning) in Islamic boarding schools (pesantren) plays a crucial role in strengthening students’ religious understanding as well as enhancing their mastery of the Arabic language. One of the foundational texts taught is Mubadi’ Fiqih, which contains basic principles of Islamic jurisprudence and serves as an introductory bridge for students to comprehend Arabic religious texts. This research aims to analyze the implementation of Mubadi’ Fiqih learning as an effort to strengthen students’ understanding of fiqh and enrich their Arabic vocabulary (mufrodat) at Ma’had Walisongo 1 Maron, Probolinggo. The study employs a qualitative approach with a case study design. Data were collected through classroom observations, in-depth interviews with the headmaster, teachers, and students, as well as documentation of the learning process. The findings reveal that the learning process applies bandongan and sorogan methods, supported by vocabulary translation exercises and contextual explanations of fiqh terminology. These strategies effectively enhance students’ comprehension of basic Islamic legal concepts while simultaneously expanding their Arabic vocabulary in religious contexts. Moreover, the teachers’ consistency in explaining Arabic sentence structures and assigning vocabulary memorization tasks significantly supports the learning outcomes. However, challenges such as students’ varying initial language proficiency and limited class time remain obstacles to achieving optimal results. Overall, the Mubadi’ Fiqih learning approach proves to be an effective integrative medium for strengthening both fiqh knowledge and Arabic linguistic competence among pesantren students.  

This study aims to describe the management of the Tahfidz class program in improving students’ memorization quality at MTs Sabilul Muttaqin Pungging and to identify the supporting and inhibiting factors. The research focuses on three main aspects: (1) the implementation of the Tahfidz program, (2) the improvement of students’ memorization quality, and (3) the factors influencing the program. This study employed a qualitative approach with a descriptive method. Data were collected through direct observation of the program implementation, in-depth interviews with teachers and students, and analysis of related documents. The results show that the management of the Tahfidz class program at MTs Sabilul Muttaqin Pungging follows good program management principles through planning, implementation, and evaluation stages. The program has positively impacted students’ ability and interest in memorizing the Qur’an. Students demonstrated significant improvement in memorization accuracy and fluency, with fewer errors recorded by teachers. Supporting factors include qualified human resources, a conducive peer environment, and special Tahfidz classrooms, while inhibiting factors involve limited time, variation among teachers receiving memorization submissions, and the absence of a written curriculum.

This study aims to analyze the harmony between the values of the Qur’an and the Indonesian government’s policy on the establishment of houses of worship, with reference to Tafsir Al-Azhar by Buya Hamka. The research method used is qualitative descriptive, employing a library research approach. Data were collected from Qur’anic verses discussing houses of worship and from government regulations, particularly the Joint Regulation of the Minister of Religious Affairs and the Minister of Home Affairs Nos. 9 and 8 of 2006. The findings show that, according to Hamka, houses of worship serve both spiritual and social functions as places that strengthen human relationships with God and with others. The interpretation of Q.S. Ali ‘Imran [3]:96 emphasizes the value of piety in the establishment of places of worship, while Q.S. Al-Hajj [22]:40 highlights the importance of protecting all houses of worship as symbols of interreligious tolerance. These Qur’anic values are consistent with government policies that uphold the principles of justice, tolerance, and religious harmony. Thus, there exists a harmonization between divine revelation and state regulation in maintaining social harmony and religious freedom in Indonesia.

This study focuses on evaluating the contribution of management accounting to improving efficiency within the corporate governance framework at PT Ace Hardware Indonesia Tbk. As one of the leading companies in the household goods retail sector, PT Ace Hardware is required to consistently apply the principles of good corporate governance in a sustainable, accountable, and transparent manner. Management accounting plays a vital role by providing accurate, relevant, and reliable financial and non-financial information to support managerial functions such as planning, controlling, and decision-making. Through effective cost reporting, budgeting, and performance evaluation, management accounting contributes significantly to strengthening operational efficiency and organizational competitiveness. The methodological approach adopted in this study is a literature review, involving the analysis of various academic references, corporate documents, and governance-related publications. The results show that optimal utilization of management accounting can enhance strategic decision-making, improve operational performance, and reinforce accountability and transparency within the company’s governance structure, supporting sustainable business growth.

This study focuses on examining the concept of religious pluralism as contained in Quraish Shihab's monumental work Tafsir Al-Misbah, with particular emphasis on the significance of his thinking in the contemporary Indonesian landscape. As is widely known, Indonesia is a nation with extraordinary diversity in terms of religion and culture, and it constantly faces the challenge of maintaining social cohesion amid the potential for friction between religious communities. Tafsir Al-Misbah presents a perspective that promotes inclusiveness towards religious pluralism, based on the fundamental universal principles contained in the Qur'an, such as justice, empathy, and respect for diversity. This study implements a qualitative methodology through content analysis techniques on relevant arguments in Tafsir Al-Misbah, particularly those related to interfaith interaction. The results of this study show that: First, Quraish Shihab emphasises the importance of understanding pluralism as sunnatullah (God's decree) and the basis for creating a mutually respectful society. Second, Quraish Shihab's contextual interpretation refers to Indonesia's experience as a multireligious nation.

This study discusses the qardh contract from a classical perspective and discusses the transformation of the practice of Sharia digital lending that is developing in the fintech era. Qardh is one type of approach to pious to Allah and is a type of mu'amalah that is characterized by assistance (ta'awun) to another party to meet their needs. In classical fiqh, Qardh is a loan contract with the condition that the borrowed and repaid are exactly the same and are returned at a time mutually agreed upon at the time of the contract without any excess when returning it. However, the development of financial technology has presented a capital for digital lending services in accordance with the concept of Sharia. This study aims to analyze the differences between the qardh contract in classical and contemporary fiqh, including its implementation in a contract in accordance with Sharia principles. The results of the study indicate that Sharia digital lending can use the qardh contract as a legal basis, but must still implement it with the principle of qardh hasan, namely avoiding elements of usury and gharar, and adapting to modern regulations. The form of the qardh contract in digital sharia lending products illustrates contemporary fiqh efforts in responding to the lives of modern society.

Human Rights (HAM) are fundamental rights that must be protected by both the state and society. In Islam, human rights are divine in nature, emphasizing justice and equality. Ma’had Al-Zaytun plays a vital role in instilling these values through an educational system aligned with Law No. 39 of 1999 on Human Rights. This study is important to explore the synergy between religion and law in fulfilling human rights. The purpose of this research is to identify the role of Ma’had Al-Zaytun in promoting human rights based on Law No. 39 of 1999 and the principles of Maqasid Shariah. The study uses a descriptive approach with a literature study method. Primary data are obtained from Law No. 39 of 1999 and Jasser Auda’s book Maqasid al-Shariah as Philosophy of Islamic Law: A Systems Approach, while secondary data are collected from journals, theses, dissertations, documents, regulations, and previous research related to the topic. The findings show that Ma’had Al-Zaytun plays a significant role in fulfilling human rights from both the perspective of Law No. 39 of 1999 and Maqasid Shariah. According to the law, Ma’had Al-Zaytun integrates Islamic values and human rights principles into its educational system and daily activities. The rights to life, welfare, religious freedom, education, and respect for others are implemented in daily practice. Meanwhile, from the perspective of Maqasid Shariah, Ma’had Al-Zaytun successfully harmonizes Islamic objectives with human rights principles by ensuring religious freedom, protecting human dignity, and encouraging freedom of thought.

This community service activity was carried out by lecturers of the College of Administrative Sciences (STIA) Satya Negara Palembang as part of fulfilling the obligations of the Tridarma of Higher Education, specifically in the aspect of community service. This program aims to increase citizen participation in public service evaluation by implementing a web-based digital suggestion box system at the Palembang City Tourism Office. This activity is motivated by the low effectiveness of conventional suggestion boxes, which are often less transparent, difficult to access, and slow to implement. Through a participatory approach and the use of digital technology, this system is designed to enable people to convey their aspirations, criticisms, and suggestions online with guaranteed identity confidentiality. The results of the implementation showed a significant increase in the number of suggestions, a reduction in response time from seven to two working days, and a community satisfaction rate of 92.74%. The implementation of this system also forms a more open and participatory pattern of public communication between the community and local governments. This activity has practical, academic, and policy implications as a model for implementing digital participatory governance that supports the principles of good governance and digital transformation of public services.

This community service activity was carried out by lecturers of the College of Administrative Sciences (STIA) Satya Negara Palembang as part of fulfilling the obligations of the Tridarma of Higher Education, specifically in the aspect of community service. This program aims to increase citizen participation in public service evaluation by implementing a web-based digital suggestion box system at the Palembang City Tourism Office. This activity is motivated by the low effectiveness of conventional suggestion boxes, which are often less transparent, difficult to access, and slow to implement. Through a participatory approach and the use of digital technology, this system is designed to enable people to convey their aspirations, criticisms, and suggestions online with guaranteed identity confidentiality. The results of the implementation showed a significant increase in the number of suggestions, a reduction in response time from seven to two working days, and a community satisfaction rate of 92.74%. The implementation of this system also forms a more open and participatory pattern of public communication between the community and local governments. This activity has practical, academic, and policy implications as a model for implementing digital participatory governance that supports the principles of good governance and digital transformation of public services.

The development of information technology and digitalization has transformed almost all aspects of human life, including the world of education. The era of the Industrial Revolution 4.0 to Society 5.0 has given rise to new demands on the education system, including in the field of Islamic Religious Education (PAI). In PAI learning can no longer be maintained with a traditional approach that only focuses on lectures and memorization. Along with technological developments and changing demands of the times, especially the era of Society 5.0, PAI learning faces new challenges that require innovation and adaptation in learning approaches. Within this framework, the deep learning approach or in-depth learning is one strategy that can improve the quality of learning (Suwandi et al., 2024) including in the field of Islamic Religious Education (PAI). This study aims to describe the basic concepts and principles of deep learning in PAI learning, describe the transformation of PAI learning based on deep learning, describe the benefits, opportunities, and challenges faced in implementing deep learning in PAI learning and describe a PAI learning model based on deep learning that can improve students' 21st-century competencies without eliminating Islamic spiritual values. This study employed a library research method to analyze and understand the transformation of deep learning-based Islamic education in the digital era, based on relevant literature sources. The study results indicate that the Deep Learning Approach to Islamic Religious Education (PAI) offers significant potential as a learning innovation relevant to the digital age. With a model that incorporates mindful, meaningful, and joyful learning, Islamic Religious Education (PAI) can be a lesson that is not boring but transformative, developing students' intellectual and spiritual well-being. Successful implementation depends heavily on teacher preparedness, a flexible and relevant curriculum, technological support, and a school culture that encourages active participation and reflection.

Learning design in Islamic religious education plays a crucial role, as it focuses not only on mastering knowledge but also on the development of students' morals and spirituality. This study attempts to explain how Islamic values ​​can be integrated into the learning design process through a thematic study of verses from the Qur'an. This study employed a library research method with a thematic approach, examining verses from the Qur'an related to education and learning themes. The study found that verses such as QS Al-Baqarah: 31, QS An-Nahl: 125, and QS Ali-Imran: 159 contain educational principles relevant to learning design, including careful planning, wisdom in delivery, and compassion in educating. These values ​​align with the principles of modern, learner-oriented learning design. Therefore, the integration of Qur'anic values ​​into Islamic religious learning design serves as an important foundation for creating a holistic and Islamic learning process

The proliferation of Online Gambling (Judol) and Illegal Online Loans (Pinjol) poses a serious threat to the financial stability and morality of society, particularly among the youth. The high number of detected illegal entities necessitates fundamental educational intervention. The objective of this community service project is to equip students with an in-depth understanding of the dangers posed by these two illegal practices and to enhance their Sharia Financial Literacy as an ethical defense mechanism based on Islamic law. The methodology employed was an interactive and educational training session held at SMP Syubbanul Wathon Tegalrejo on November 15, 2024. The service material included a description of Judol and Pinjol, an analysis of addiction factors, and solutions guided by Sharia principles. The results demonstrate that understanding Sharia principles effectively provides an ethical framework for financial decision-making. Participants were equipped with practical skills to verify the legality of online loans with the Financial Services Authority (OJK), manage financial stress, and shift negative behavior towards positive activities.

The proliferation of Online Gambling (Judol) and Illegal Online Loans (Pinjol) poses a serious threat to the financial stability and morality of society, particularly among the youth. The high number of detected illegal entities necessitates fundamental educational intervention. The objective of this community service project is to equip students with an in-depth understanding of the dangers posed by these two illegal practices and to enhance their Sharia Financial Literacy as an ethical defense mechanism based on Islamic law. The methodology employed was an interactive and educational training session held at SMP Syubbanul Wathon Tegalrejo on November 15, 2024. The service material included a description of Judol and Pinjol, an analysis of addiction factors, and solutions guided by Sharia principles. The results demonstrate that understanding Sharia principles effectively provides an ethical framework for financial decision-making. Participants were equipped with practical skills to verify the legality of online loans with the Financial Services Authority (OJK), manage financial stress, and shift negative behavior towards positive activities.