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The principle of profit sharing based on the concept of risk-sharing offers an alternative approach that is in line with sharia values, in contrast to the conventional interest system. This mechanism is implemented through instruments such as mudharabah and musharakah that support the financing of productive projects. However, its implementation faces challenges related to income fluctuations that can affect the stability of Islamic financial institutions. This research highlights the importance of innovation to increase the effectiveness of sharia monetary policy for inclusive and sustainable economic growth.

Elementary education plays a crucial role in the development of students' creativity; however, conventional teaching methods often fail to optimally engage students. This research aims to examine the implementation of the role playing method in enhancing the creative abilities of fourth-grade students at SDN 056592 Perkebunan Bekiun. The study employs a classroom action research design with a qualitative approach, conducted over two cycles. Data were collected through observations, interviews, and analysis of students' work documentation. The findings indicate that the application of the role playing method significantly improved students' creative abilities, with approximately 85% of students demonstrating increased participation and confidence in expressing their ideas. Additionally, students also showed enhanced social skills, such as collaboration and communication. These results suggest that the role playing method is effective in creating a fun and engaging learning environment and can serve as an alternative approach in elementary school education.    

As a nation with a predominantly Muslim population, Indonesia bears a profound responsibility to cultivate Islamic religious education (PAI) that transcends mere knowledge transfer and serves as a means to shape the character of the younger generation. PAI is anticipated to foster a character rooted in the noble values of Islam, as well as to internalize moral and ethical principles as guiding standards in daily life. However, religious education at the school level faces considerable challenges, as conventional teaching methods tend to result in minimal student engagement. This research aims to explore the impact of revitalizing Islamic religious education at Madrasah Tsanawiyah Baitul Arqom on the character development of students. Employing a qualitative approach, this study utilizes interviews, participatory observations, and focused group discussions to gather data. The analysis reveals that the implementation of routine activities, such as dhuha prayers, exemplary teaching by educators, and active learning methods positively contributes to the enhancement of students' discipline, sense of responsibility, and social concern. This research also uncovers a positive correlation between the quality of religious education and the character development of students, thereby underscoring the necessity for innovation within the curriculum and teaching methodologies of PAI. Recommendations are put forth for the development of educational programs that are more responsive to the demands of the times and the aspirations of the younger generation, ensuring that religious education in Indonesia can cultivate individuals who are intellectually astute and morally upright.

Classroom management is one of the important skills that a teacher must have to understand, analyze, make decisions, and take action to create a dynamic and conducive classroom atmosphere. Learning model planning is one of the indicators to support the success of a learning goal by analyzing student needs. For students, physics is a complicated lesson, often they avoid or fear this lesson. The Problem Based Learning (PBL) model is the most appropriate model to apply because this learning approach by implementing an authentic problem (real experience with what students often encounter or find in life) to students. This research is based on the literature review method by collecting data from various journals and previous scientific sources. The process in this method includes searching for literature relevant to the topic. The results show that physics learning using the PBL method shows very significant results, the PBL method students are able to understand concepts in depth compared to conventional learning or lectures.

This study examines the effectiveness of the experimental method in improving the learning outcomes and learning motivation of third-grade elementary school students in science subjects. The research employed a quasi-experimental design with a pretest-posttest control group design, involving an experimental group taught using the experimental method and a control group taught with conventional methods. Data were collected using tests, questionnaires, and observation sheets. The findings reveal that the experimental method significantly enhances both learning outcomes and motivation compared to conventional methods. Statistical analysis using t-tests showed a significant difference (p < 0.05) between the experimental and control groups in terms of posttest scores and motivation levels. The experimental method proved effective in promoting active student engagement, deeper conceptual understanding, and intrinsic motivation. This method is recommended as a strategy to improve science learning quality in elementary schools.

This study aims to examine the effectiveness of interactive learning approaches in developing explanation skills in early childhood. Explanation skills are an important aspect in children's language, cognitive, and communication development, which supports critical thinking skills and effective social relationships. Although important, these skills are still relatively low in early childhood in Indonesia, largely due to less supportive learning methods. Interactive learning approaches involving games, stories, and discussions have been identified as a solution to improve these skills. This study used a quasi-experimental design with two groups of subjects, namely the experimental group given interactive learning interventions and the control group using conventional methods. Data were analyzed using a t-test to compare the pretest and posttest results between the two groups. The results showed that the interactive learning approach significantly improved early childhood skills. This study suggests the need for ongoing training for teachers and collaboration between schools and families to support the implementation of more effective and relevant learning. These findings are expected to contribute to the development of innovative learning strategies in early childhood education.

This report is titled "Development of an Application System to Improve the Efficiency of Food Distribution in Nutritious Healthy Community Groups." This research aims to design and implement a technology-based application system that manages the food distribution process for healthy and nutritious community groups, especially for the elderly. The Healthy and Nutritious Community Group is an organization that is committed to providing and distributing nutritious food to the community. One of the main challenges faced by this organization is the lack of efficiency in the distribution process which is still carried out conventionally. This conventional practice often leads to delays in delivery as well as inaccuracies in the distribution of groceries. Data was collected through direct observation and in-depth interviews with the organization's managers as well as the couriers involved in the distribution process.

The use of digital learning media in Social Studies subjects in elementary schools has become an important innovation in improving the quality of learning. Digital media not only enriches the learning experience, but also contributes to improving students' literacy, which includes the ability to seek, analyze and utilize information critically. However, the implementation of these media faces various challenges, such as infrastructure limitations, lack of teacher skills, content compatibility with the curriculum, and digital security issues. This research discusses digital learning media development strategies that include collaboration between educators and technology developers, intensive training for teachers, provision of adequate infrastructure, and content design tailored to the characteristics of elementary school students. Visual-based and interactive digital media is considered effective to improve students' understanding of social studies materials that are often abstract. In addition, the integration of digital learning with conventional methods provides a balanced and contextualized learning experience. By addressing the existing challenges, digital learning media can be an effective tool to strengthen students' literacy and equip them with 21st century skills. This research is expected to contribute to the development of innovative learning practices that are relevant to students' needs in the digital era. 

Reported of lost and found items at Unkartur was still done conventionally. Campus residents usually reported to security regarding the loss they experienced. However, the process of reporting and searching for lost items required a lot of time, energy, and money. Therefore, this study aimed to design a system for reporting lost and found items, especially in the Unkartur campus environment. The methods used in this study were Unified Modeling Language (UML) and Entity Relationship Diagram (ERD). This system was useful in managing lost and found item data to be more structured and efficient. The results of the design of this Lost & Found system could be a solution in the process of searching for lost items and returning found items in the Unkartur campus environment.

Because interest-bearing deposits are not allowed by Islamic Sharia rules and principles, Islamic banks generally collect deposits in the form of profit-sharing investment accounts. These accounts differ from conventional deposits not only because of the profit-sharing nature of the returns they offer but also because the relationship between the customer and the bank is not a debt contract, so these deposits are not considered 'fixed capital.' (artinya, nasabah dapat menerima hasil negatif atau kerugian). This last characteristic poses serious regulatory issues in jurisdictions where bank deposits are legally required to have a definition of 'certain capital.' In general, the presence of such 'risk-bearing instruments' in the capital structure of Islamic banks complicates the assessment of their capital adequacy. Moreover, the fact that profit-sharing investment account holders are a type of equity investor without the governance rights held by creditors or shareholders poses a significant oversight problem. This article explains these issues in more detail and proposes a solution in the form of a structural distinction between Islamic banks in the narrow sense on one side, and entities managing profit-sharing investment accounts on the other.

The financial technology (fintech) industry in Indonesia has grown rapidly in recent years, having a significant impact on financial inclusion in the country. Fintech provides easier and faster access to financial services, especially for segments of society previously marginalized by the traditional banking system. Fintech services such as digital payments, online loans, and technology-based investments have expanded financial reach to communities in remote areas, MSMEs, and individuals with limited access to conventional banking services. However, with the rapid growth of fintech, challenges arise related to regulation and consumer protection. Inadequate regulation can lead to security risks, legal uncertainty, and potential abuse in digital financial services. Therefore, the Indonesian government has implemented various policies to regulate and supervise the fintech industry, such as the establishment of the Financial Services Authority (OJK) and Bank Indonesia (BI) as the main supervisors. This study aims to analyze the impact of fintech developments on financial inclusion in Indonesia and evaluate the effectiveness of existing regulations in protecting consumers and encouraging the growth of the fintech sector. The results of this research show that although fintech has the potential to significantly increase financial inclusion, more comprehensive regulations and strict law enforcement are needed to ensure that the benefits of fintech can be felt evenly and safely by all levels of society.

The application of sharia accounting in business is becoming increasingly relevant along with the growth of the global sharia economy. Sharia accounting, which is based on the principles of fairness, transparency and fair sharing of risks, offers a unique approach to financial management. This research uses a qualitative method based on literature review to explore the challenges, prospects and solutions for implementing sharia accounting in modern business. The research results show that the main challenges include limited competent human resources, sharia accounting standards that are not yet uniform, digitalization which requires technological adaptation, and a lack of social and cultural acceptance. On the other hand, the prospect of sharia accounting has great potential in increasing stakeholder trust, expanding access to sharia markets, and strengthening the company's ethical image. To overcome these challenges, solutions are needed such as the development of comprehensive sharia accounting standards, increasing human resource competence, investment in supporting technology, transformation of conventional paradigms, and multilateral cooperation between government, academics and the business sector. This research provides strategic insight into how sharia accounting can be applied effectively to support ethical and sustainable business growth.

Islamic banking in Indonesia has experienced significant growth alongside increasing public interest in financial products that comply with Islamic principles. However, in practice, there are still challenges that prevent Islamic banking products and services from fully meeting Sharia standards. Some of the issues include the use of wadiah contracts in current accounts, which deviate from their original concept of safekeeping; the application of murabahah contracts for financing consumptive goods, which contradicts their intended purpose; the frequent misuse of ijarah muntahia bit tamlik (IMBT) contracts for speculative purposes; and mudharabah contracts with unfair profit-sharing ratios. Additionally, factors such as a lack of understanding of Islamic finance, competitive pressure from conventional banks, inadequate supervision, and differing interpretations of Sharia law further hinder the implementation of fully Sharia-compliant products and services. To resolve these challenges, various efforts are needed, including enhancing the quality of human resources through education and training, implementing stricter supervision by relevant authorities, developing clearer and more comprehensive operational standards, and fostering closer collaboration with Islamic scholars for accurate legal guidance. These steps are expected to help Islamic banking fully adhere to Sharia principles, increase public trust, and support the growth of the Islamic finance industry.

This article discusses the importance of building students' interest in learning Islamic Cultural History (SKI), which is often considered less interesting due to monotonous conventional methods. The research aims to explore creative and innovative learning strategies that can increase students' interest in SKI. Using qualitative descriptive methods and literature studies, researchers analyzed the relevance of learning interests and the development of interesting teaching modules. The findings show that teaching modules that integrate visual media and interactive technology can increase the attractiveness of learning, creating active and relevant learning experiences for students. Apart from that, the teacher's role is very crucial in using a variety of methods and providing constructive feedback. The implications of this research emphasize the need for a more creative approach in education to not only convey historical knowledge, but also shape students' character and identity. In this way, it is hoped that SKI learning will be more meaningful and help students understand cultural heritage in the context of modern life.

Learning Islamic Cultural History (SKI) at Madrasah Aliyah presents unique challenges, particularly in increasing students' interest and learning outcomes. Conventional methods such as lectures and memorization often result in low student engagement, leading to suboptimal understanding and poor learning outcomes. To address this issue, this study implements project-based learning (PjBL) as an alternative approach to enhance student learning outcomes. This study examines the effectiveness of project-based learning in improving student achievement in SKI subjects at Madrasah Aliyah 1 Kampar, specifically in class XI Science. Using the Kemmis and McTaggart classroom action research (CAR) model, the research was conducted in two cycles, involving planning, implementation, observation, and reflection stages. Data were collected through learning outcome tests, observation sheets, interviews, and student and teacher questionnaires. Both quantitative and qualitative analyses were performed to comprehensively assess the effectiveness of this method. The findings indicate that implementing project-based learning positively impacts student learning outcomes. The average student score increased significantly from the first to the second cycle. Moreover, student engagement in learning activities improved, as seen in their active participation in discussions, material exploration, and teamwork on assigned projects. Additionally, this method helped students develop critical thinking, problem-solving, and collaboration skills essential in modern education. The study confirms that project-based learning is an effective strategy for enhancing SKI education in Madrasah Aliyah. These findings suggest that educators should adopt more innovative and interactive teaching methods to foster student engagement and deeper understanding in learning.

Purpose – This article aims to develop an integrative framework for utilizing hybrid bio-ceramic composites as high-temperature protective materials in aerospace and defense systems. The focus is on enhancing the extreme heat resistance of bio-ceramics through hybridization with metals or polymers to create durable materials capable of withstanding hypersonic conditions and extreme aerothermal environments. Design/Methodology/Approach – This study uses the Systematic Literature Review (SLR) method, analyzing scientific publications indexed by Scopus, Web of Science, and SINTA from 2015 to 2025. The review explores the development of bio-ceramic composite research, hybridization strategies with polymers and lightweight metals, and manufacturing innovations that enhance material performance in thermal protection systems for aerospace applications. Findings – The literature review shows that hybrid bio-ceramic composites outperform conventional materials. These composites can endure temperatures up to 1800 °C, possess high resistance to oxidation, ablation, and thermal shock, and are lightweight for aeronautical use. Biomimetic designs inspired by mollusk shells and bones improve fracture toughness and mechanical performance. Hybridization with polymers and lightweight metals expands the potential applications in hypersonic aircraft and modern defense systems. Practical Implications – The findings are crucial for developing jet engine shields, hypersonic missiles, and space re-entry capsules. For Indonesia, this research offers opportunities to reduce reliance on imported high-temperature materials and enhance national defense industry independence. Originality/Value – The article contributes a new perspective by highlighting bio-ceramic hybrids as strategic materials capable of withstanding extreme temperatures, integrating biomimetic principles and composite technology for modern defense systems.

This community service activity was carried out among the members of the Sakinah Tailors' social gathering in the Kampung Bali sub-district of Sungai Serut, Bengkulu City. The members of the Sakinah Tailors' social gathering have the potential to grow because the members or partners already have sewing skills or their own sewing businesses. This is a supporting factor in developing a cooperative. However, they are constrained by limited knowledge about the procedures for forming a cooperative, capital, and how to prepare cooperative financial reports. So far, the members of the Penjahit Sakinah sewing circle have been carrying out savings and loan activities, but the administrators still carry out savings and loan activities in a conventional manner, so they want to form a sharia savings and loan cooperative. Therefore, the Community Service Team from the Faculty of Economics and Business wants to conduct socialization and assistance activities for the formation of a sharia-based savings and loan cooperative. The method used is through direct socialization and assistance activities using the Excel application, followed by posting, adjusting journals, and reporting activities.

This study aims to analyze strategies for product innovation in Islamic finance to enhance financial inclusion, a significant challenge in countries with large Muslim populations such as Indonesia. The research employs a qualitative approach, utilizing data from various literature sources, including academic journal articles, reports from Islamic financial institutions, and government regulations. The findings reveal that Islamic financial product innovation can be categorized into new product development, digital technology adoption, improvement of Islamic financial literacy, and cross-sectoral collaboration. Products such as microfinance based on Sharia contracts, digital waqf savings, and technology-driven Takaful insurance exemplify innovations aligned with modern societal needs. Additionally, Islamic fintech platforms have expanded financial access for remote communities, despite challenges such as low digital literacy and limited infrastructure. Islamic financial literacy emerges as a crucial element influencing public trust and participation in formal financial systems. In practice, cross-sector collaboration among Islamic financial institutions, governments, and the technology sector serves as a strategic approach to address regulatory barriers, competition with conventional sectors, and inconsistent global standards. This study recommends strengthening regulations, enhancing financial literacy, developing inclusive digital technologies, and fostering international cooperation to support the sustainable growth of the Islamic finance sector. With integrated strategies, Islamic finance holds significant potential not only to improve financial inclusion but also to create a fairer, more inclusive financial system that aligns with Islamic values in the modern era.

This research focuses on improving the learning outcomes of class VII students in Islamic Religious Education (PAI) subjects, especially in prayer and dhikr material, which often experience obstacles due to ineffective conventional teaching methods. To overcome this problem, research was carried out using the Classroom Action Research (PTK) method involving 30 students, carried out in two cycles with planning, implementation, observation and reflection stages. The use of AI-based learning media Gamma: Presentations and Slide Decks is expected to increase student involvement and make understanding the material easier. The research results showed that in cycle I, 76.6% of students achieved the minimum completeness criteria (KKM), and this figure increased significantly to 93.33% in cycle II. These findings indicate that the implementation of Gamma is not only effective in improving student learning outcomes, but also creates a more interactive and interesting learning experience, thereby making a positive contribution to the quality of religious education at the junior high school level.

The development of financial technology, especially with the introduction of the digital rupiah, presents new challenges in the supervision and prevention of money laundering (TPPU) in Indonesia. Although existing regulations are sufficient to regulate conventional transactions, these regulations are not fully prepared to anticipate potential money laundering risks related to digital transactions. This study identifies shortcomings in existing TPPU policies, including limited supervisory infrastructure, lack of regulations for cross-border transactions, and challenges in verifying identity in digital transactions. More adaptive policy reforms and comprehensive regulatory updates are needed to address these challenges. Applying advanced technology, strengthening coordination between related institutions, and public education is key to creating a safe and trusted financial ecosystem in dealing with financial technology-based transactions, including Rupiah Digital.