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Sharia cooperatives are Sharia-based economic institutions that play a strategic role in empowering the economy of the Muslim community. By adhering to principles such as the prohibition of riba (usury), gharar (uncertainty), and maysir (gambling), as well as implementing profit-sharing systems (mudharabah or musharakah), Sharia cooperatives provide a fair, transparent, and inclusive alternative to support economic activities in society. These cooperatives aim not only to achieve financial gains but also to fulfill social missions, such as poverty alleviation, equitable welfare distribution, and holistic improvement of the community’s quality of life. Various products and services offered—such as Sharia savings, halal financing, and Sharia-compliant investments—provide financial solutions that align with Islamic values and meet societal needs. Nevertheless, the implementation of Sharia cooperatives faces several challenges, including limited public understanding, competition with conventional financial institutions, and constraints in human resources and capital. Through public education, capacity building for cooperative managers, and comprehensive government policy support, Sharia cooperatives hold great potential to become a key instrument in fostering a more just, equitable, and sustainable economy. This study emphasizes the importance of integrating Sharia values into cooperative management to ensure its contribution to the sustained welfare of the community.

Akad is an essential element in Islamic economic transactions as it serves as the foundation of the agreement between the involved parties. The underlying principles of Sharia in managing contracts include justice, honesty, equality, and trust, with the aim of creating fair transactions in accordance with Islamic law. This article aims to examine the principles of Sharia in managing contracts and their implementation in various forms of Islamic economic transactions, such as Islamic banking, microfinance, and Shariah compliant capital markets. The qualitative approach is used with normative analysis of classical and contemporary Islamic literature, as well as a review of modern practices. The study's findings indicate that proper Shariah-compliant contract management not only ensures the legality of transactions but also enhances trust and blessings in economic activities. By understanding these principles, it is hoped that the community and economic players can implement contracts more wisely and responsibly.

The article discusses the role and strategies of the Central Bank and the Government in maintaining financial system stability, which is crucial for the effective functioning of market economies. A stable financial system is essential for rational decision-making regarding resource allocation and enhancing the investment climate. Historical experiences, particularly Indonesia's financial crisis in 1998 and the global financial crisis in 2008, highlight the high costs associated with financial instability and the importance of implementing both microprudential and macroprudential policies to prevent such crises. The Central Bank of Indonesia (Bank Indonesia) plays a vital role in this regard by regulating monetary policy, overseeing financial institutions, and ensuring a robust payment system. It employs various indicators to measure financial stability, including capital adequacy ratios and economic growth metrics. The article emphasizes that stability in the financial system not only fosters investor confidence but also supports efficient financial intermediation, ultimately contributing to sustainable economic growth.

This study aims to analyze the strategic role of Baitul Maal Wat Tamwil (BMT) in providing leasing based sharia financing (ijarah) and ventura capital (mudharabah and musyarakah) for Micro, Small and Medium Enterprises (MSMEs) in Indonesia. BMT functions as a microfinance institution that provides solutions to the capital challenges faced by MSMEs, including lack of access to conventional financing and low sharia financial literacy. Through the leasing scheme, BMT facilitates the rental of assets needed by MSMEs without requiring large initial capital. Meanwhile, the venture capital scheme allows BMT to share risks and profits with MSME actors, encouraging strategic collaboration. This study also discusses the challenges of implementing sharia financing by BMT, including the low public understanding of sharia products. With a descriptive literature approach, this study finds that BMT has significant potential in increasing financial inclusion and encouraging the sustainability of the sharia economy in Indonesia.

This article discusses the importance of language as a communication tool and its role in conveying information effectively. The main focus of the research is the analysis of spelling and punctuation errors in online news published by Karanganyarnews from 24 October to 15 November 2024. The research method used is descriptive qualitative, which aims to describe and analyze the language errors found. The results showed 21 errors, consisting of 15 spelling errors and 6 punctuation errors. These errors include the use of standard words, capital letters, and the use of foreign languages. These findings emphasize that correct understanding and application of language rules is very crucial to avoid misunderstandings in communication. In conclusion, errors in writing can interfere with readers’ understanding, so writers are expected to pay more attention to language rules in writing.

Sharia accounting has become a substitute concept for conventional accounting. The concept of sharia accounting not only prioritizes management and capital owners, but also prioritizes other parties, such as consumers, society and even their responsibilities to God. A description of building a good business and being able to contribute by building a zakat-oriented entity. Zakat oriented makes an entity good if it can provide maximum zakat contributions, so that zakat oriented not only maximizes its profits but also how much the entity pays its zakat. But the value of the zakat must be based on the assets or wealth owned by the entity obtained in a halal manner. The purpose of this study was to determine whether the Zakat Financial Report at LAZNAS Yatim Mandiri Palembang Branch was in accordance with PSAK No. 109. This study was conducted to test the financial reports prepared by LAZNAS Yatim Mandiri Palembang in accordance with PSAK No. 109 concerning Zakat Accounting. According to the findings obtained from this study, it was concluded that Yatim Mandiri Palembang as one of the National Zakat Amil Institutions (LAZNAS) had fully implemented the use of PSAK No. 109. In presenting financial statements. Because in PSAK No. 109, zakat accounting aims to regulate the recognition, measurement, presentation and disclosure of zakat, infaq/sadaqah transactions.

Movement Indonesia's economy is supported by the micro, small, and medium enterprise sectors (SMEs). More than 97% of the national workforce is made up of SMEs, which account for about 61.07% of GDP. SMEs often face problems, such as limited market access, low capital, and low technology adoption. The use of technology in MSME marketing has a great opportunity to reach a wider market. Unfortunately, not many SMEs owners have implemented digital marketing, especially SMEs in rural areas. As in Cijati, Cimanggu, Cilacap Regency, the natural potential, processed products, and handicrafts produced by MSMEs have not been able to expand their market. produced by MSMEs have not been able to expand the market. Therefore, the socialization of utilization of digital media for the development of SMEs marketing in Cijati village was carried out to increase the understanding and ability of SMEs owners. village was conducted to increase the understanding and ability of SMEs players in the utilization of technology for digital marketing. This socialization was held on Sunday, April 9, 2023, at the Cijati, Cimanggu District, Cilacap Regency, attended by 25 SMEs owners. Participants were introduced to various digital platforms that can be used to market their products, such as social media (Facebook, Instagram, and TikTok) and e-commerce platforms (Shopee, Tokopedia, and TikTok Shop).

The phenomenon of digital transformation in MSMEs can be observed from several aspects, including: resource challenges during digital transformation because transformation, like any change, requires resources. Another phenomenon is organizational barriers: such as limited digital literacy, resistance to change, lack of skilled labor, limited capital, infrastructure, and technological barriers due to lack of knowledge. Apart from that, the lack of managerial support, a limited digital ecosystem, as well as concerns about data security and trust in technology are also obstacles. The technique for analyzing data in this research uses a literature review study. The research results show that there are multiple opportunities and attention for MSMEs, where there is a special need for MSMEs to carry out digital transformation in order to increase business competitiveness and expand market share. With digital transformation, the processes and operations of product downstreaming from producers to consumers will increase, speed of service, better trust, secure data exchange platforms, but also an opportunity for digital transformation to increase competitive advantage and expand market reach, increase operational efficiency. because it reduces time and costs for business activities, and increases market access.

Globalization has induced substantial changes across multiple facets of life in Indonesia, encompassing social, economic, and cultural dimensions. This study seeks to examine the effects of globalization on social inequality and poverty in Indonesia. The results demonstrate that globalization generates significant opportunities via access to global markets, foreign capital, and cutting-edge technologies. Nonetheless, these advantages are not uniformly allocated, leading to increasing societal inequalities. Communities possessing access to education, technology, and economic resources are more adept at leveraging globalization, but marginalized groups, such as the rural impoverished, often fall behind. Transformations in economic frameworks, urban development, and the impact of global culture intensify regional and socioeconomic disparities. While globalization can alleviate poverty via economic expansion, its advantages frequently favor particular demographics, therefore exacerbating the disparity between the affluent and the impoverished. This study underscores the significance of inclusive and equitable measures to alleviate the adverse effects of globalization. The government must improve access to education, technology, and economic opportunities for marginalized people while bolstering regional development to promote equality. Effective management of globalization can facilitate sustainable development and mitigate social inequality in Indonesia. Without sufficient action, globalization threatens to intensify inequalities and poverty within society.

Population movement or migration is a social process of the decision of each individual or group to move permanently or semi-permanently and settle in a desired area. The migration carried out certainly has various purposes, and one of the purposes of the population to migrate is to work. Bali is one of the regions in Indonesia that is in great demand and is used as a tourist destination by many people. However, its existence as a tourist destination area also makes Bali a target for migration destinations to get better jobs. The city of Denpasar as the capital of Bali Province also has a lot of potential cultural heritage destinations, in fact they are very concerned and develop cultural heritage sites in their city into a tour package, the many potentials of cultural heritage make the city of Denpasar then have a variety of jobs both in the formal and informal sectors. The objectives of this study are; 1) To analyze the influence of education level, age, working hours, income and work experience on the selection of employment sectors for immigrants from outside Bali in Denpasar City 2) To analyze the influence of education level, age, working hours, income and work experience partially on the selection of employment sectors for immigrants from outside Bali in Denpasar City and 3) To analyze the most dominant influence among education level, age, working hours, income and work experience on the selection of the employment sector of immigrants from outside Bali in the city of Denpasar. Using Binary Logistic Regression, the results of this study show that; 1) Education level, age, working hours, income, and work experience have a simultaneous effect on the selection of employment sectors for immigrants from outside Bali in Denpasar City 2) Education level and work experience partially have a positive effect on the selection of employment sectors. Meanwhile, age, income and working hours partially have a negative effect on the Selection of Job Sectors. 3) Income has the most dominant influence on the choice of job sector then followed by work experience, age, education and finally working hours.

The purpose of this study was to determine the social structure in the lives of Coastal Fishermen in Pantai Cermin District, Serdang Bedagai Village. This type of research is Qualitative research. Data collection techniques are observation, interviews, to collect the data needed are primary and secondary data. The number of informants in this study was 10 people who were determined directly. The data that has been collected was analyzed descriptively qualitatively. From the results of the data analysis, conclusions were then drawn. The conclusion in this study is the social structure of the Coastal Fishermen Community in Pantai Cermin District, Serdang Bedagai Regency, namely divided into 3 layers, namely: Toke (boss), Tekong, and fishermen, workers or members This stratification of the fishing community is formed on the basis of ownership or control of capital and means of production. The social structure in the fishing community in Pantai Cermin District is open both vertically and horizontally. The working relationship in fishing activities in Pantai Cermin District is a mutually beneficial cooperative relationship. 

This study examines the influence of financial structure on enterprise value in consumer-focused firms registered on the Indonesia Stock Exchange. Financial structure, characterized as the proportion of borrowing and equity, plays a significant role in financial management, shaping both business performance and market perception. Utilizing a qualitative method through a literature review, this research gathers and analyzes various sources to evaluate the connection between financial structure and enterprise value. The findings indicate that financial structure can have both positive and negative impacts on enterprise value. Integrating borrowing into the financial structure offers benefits such as tax advantages, enhanced profitability, and a favorable signal to investors. However, excessive reliance on borrowing can result in increased financial burdens, such as higher interest expenses, which may lower enterprise value. These results underscore the importance of maintaining an appropriate debt-to-equity ratio to improve or sustain enterprise value.

Bankruptcy is a state in which a company is unable to fulfil its financial obligations or a situation where the corporation initially functions but thereafter fails in business management. Bankruptcy is a state in which a firm lacks the money to operate its operation. The objective of the research is to identify the variables contributing to bankruptcy in PT. Garuda Indonesia. This research employs the Altman Z-score methodology using a bankruptcy calculation. This analysis indicates that the firm is at risk of bankruptcy, since its present assets from 2016 to 2019 are insufficient to meet its financial obligations. Companies must use deliberate, clear, and suitable measures to enhance operational cost efficiency. An inadequate business plan and human resources without a clear vision and goal for the organisation contribute to losses. This research seeks to evaluate the financial performance of PT Garuda Indonesia (Persero) Tbk from 2016 to 2019 using the Altman Z-Score model. The population and sample in this research consist of the complete financial statements of PT Garuda Indonesia (Persero) Tbk for the years 2016 to 2019. The findings of this research indicate that from 2016 to 2019, the bankruptcy rate at PT Garuda Indonesia (Persero) Tbk was unfavourable, as shown by a Z-Score below 1.10, signifying a state of bankruptcy. The most pronounced decrease was seen in the Working Capital to Total Asset ratio, particularly in 2019. This results from the annual growth in current obligations.

This study analyzes Indonesian language errors that are common among the younger generation, focusing on the influence of social media as one of the main causes. Data was collected from conversations on the WhatsApp platform and analyzed using a qualitative descriptive method. The results show that language errors that are often found include the use of non-standard abbreviations, spelling errors, punctuation, and capital letters. The main factors causing these errors are the habit of informal communication on social media and the lack of effective Indonesian language education. This research recommends updating Indonesian language learning methods that are relevant to the digital era as well as awareness campaigns for good language use through social media.

Empowering poor families is an important effort to improve the economic welfare of underprivileged communities. In this context, assistance to set up a snack shop for Mrs. Kamilia aims to provide concrete support for her family's economy. Through the Participatory Action Research (PAR) method, this program involves steps such as identifying poor families, raising funds, and handing over the business capital needed to set up a stall. This program not only provides financial assistance, but also equips Mrs. Kamilia with the necessary skills to run a business. With the existence of a snack stall, it is hoped that Mrs. Kamilia can increase family income, meet daily needs, and provide a better education for her children. The results of this program show the potential for success in overcoming poverty and increasing the economic independence of poor families, so that it can become a model of sustainable empowerment in society.

The purpose of this study was to determine the internal and external factors of sago agro-industry development and to identify the strategy for developing sago agro-industry in Asaki Village, Lambuya District, Konawe Regency. The determination of the location of this study was carried out purposively, which is a method of determining the research area intentionally. The population in this study were all farmers who were in the sago agro-industry in Asaki Village, Lambuya District, Konawe Regency, where the number was 36 people. The sample determination was carried out by census, namely by taking all populations as research samples. The analysis used the SWOT formula. The results of the study Internal factors are strength factors consisting of seven, namely: quality products at affordable prices, strategic production locations, experience in business, having their own sago plantation land, products without preservatives and bleach, accepting orders in advance. Weakness factors consist of five, namely: small production results, no regular consumers, production is carried out with traditional equipment, lack of supporting facilities, only relying on the capital of the business owner. External factors are opportunity factors consisting of six opportunity factors, namely: high consumer purchasing power, high demand for sago products, it is a staple food for the community, raw materials are easy to obtain, the availability of raw materials is guaranteed, more modern production machines have been created. Threat factors consist of five factors, namely: many competitors, no government assistance, increasing fuel prices, unstable raw material prices, changes in weather or climate and sago agroindustry is on the medium line or Hold and maintain strategy, which means that the processing business is maintained, maintained and improved where the Hold and maintain strategy is a profitable situation that has opportunities and strengths, so that it can take advantage of existing opportunities.

Concrete is an important aspect of building construction, one of which is road construction. Concrete is used for road construction because it has the advantages of high compressive strength, easy maintenance, ease of formation, and easy to obtain components. Road construction using concrete is applied to the reconstruction of the Kebumen South Ring Road, where the Kebumen South Ring Road is a 9.07 km long national road. National roads are arterial and collector roads in the primary road network system that connect provincial capitals, national strategic roads, and toll roads. Therefore, construction on national roads requires strong and good materials on the Kebumen South Ring Road to optimize road use. In this study, the concrete is composed of Bima cement as Portland cement, coarse aggregate from Kebumen, fine aggregate from the Progo River, and water from drilled wells. The admixture was obtained from a Conmix HK 2. Subsequently, all ingredients were mixed using a mixer truck. The concrete mixture was molded into cylinders and blocks. In this study, the average results of the 5-day concrete compressive strength test were obtainedwhich is 373.42 kg/cm2 and 28-day-old concrete is 442.32 kg/cm2. The average result of the 5-day concrete flexural test is50.65 kg/cm2 and that of 28-day-old concrete was 60.73 kg/cm2. The results are in accordance with the general specifications of the Bina Marga, namely, 45 kg.

The role of the principal is very significant in efforts to improve the quality of the institution he leads. In order to achieve this goal, the principal must carry out the role and function appropriately according to the needs. As a leader, the principal needs to understand what role needs to be carried out, be it as an educator, manager, administrator, supervisor, leader, innovator, or motivator. This study aims to identify the contribution of the principal in improving the quality of Islamic education. The method used is library research, which focuses on collecting, analyzing, and compiling information from various literature sources in order to gain an in-depth understanding of the topic being studied. The principal must have a high fighting spirit as an agent of change in an effort to improve the quality of education managed, the principal strives to achieve the predetermined quality standards. This effort can be realized through various strategic steps, such as making the right decisions, SWOT analysis, compiling quality improvement programs, implementing transparency, involving school residents and the community, effective budget management, and transformation towards a quality-conscious culture. Education itself is a process that aims to optimally develop all the abilities possessed by each student so that they can be used as capital to face various lives in the future.

The original aim of this research was to find out and identify language errors in advertising content on general media, especially Tiktok. Tik Tok public media is a popular platform for marketing products, including beauty products.  The research results show that THE ORIGINOTE uses various language strategies to attract consumer attention and interest, such as the use of positive and emotional terms, slang and humor.  THE ORIGINOTE also creates a brand image of a product that is natural, safe and effective.  The author uses a qualitative research approach.  The data used in this research are posts containing product advertisements that have language errors in the caption.  The data source in this research is posts from the official account @theoriginote.  The data collection technique used is observation and documentation in the form of screen captures, while the analysis technique is qualitative narrative.  What will happen in this research are several language errors, among which the most frequently found are the use of foreign languages ​​(slang) together with Indonesian, punctuation errors, inappropriate use of capital letters, and the use of non-standard terms.

Education and health are two main pillars in human development that are closely related. Both contribute greatly to economic growth, improving the quality of life, labor productivity, and encouraging innovation. This study uses a qualitative method with literature studies from journals, books, and other references related to human capital, education, and economic growth. Education is seen as an essential social service, while health includes physical, mental, and social well-being. Human capital is a crucial component in supporting organizational success and economic development.