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This study aims to analyze the impact of sharia principles implementation and product innovation on the financial performance of Islamic banks in Indonesia. Using a quantitative approach through regression analysis, the study reveals that consistent adherence to sharia principles and relevant product innovation significantly affect financial performance. Partial tests show that sharia principles significantly influence customer trust and satisfaction, while product innovation contributes to enhancing competitiveness in the digital era. Simultaneously, these two variables strongly impact financial performance, with the regression model explaining 74% of the variance in financial performance. This study highlights the importance of synergy between sharia principles and product innovation in supporting the sustainability of the Islamic banking industry in Indonesia.

Personal development in the context of modern life requires emotional intelligence (EQ) and spiritual intelligence (SQ) to face increasingly complex challenges. This research aims to explore the future principles oriented towards EQ and SQ and identify the role of both in improving the quality of life of individuals. The research uses a qualitative method with a descriptive approach, collecting data through in-depth interviews with individuals who are known to have high levels of EQ and SQ. The results of the study show that individuals with balanced EQ and SQ have high self-awareness, are able to build meaningful social relationships, and have a vision of life oriented towards spiritual values. The implications of this study suggest that the integration of EQ and SQ can help individuals face change more resiliently, make informed decisions, and achieve more holistic well-being. Findings.

The digital era brings fundamental transformation to the world of work, requiring a critical review through the perspective of the Church's social teachings, particularly the Rerum Novarum Encyclical. This research aims to analyze the challenges and opportunities of the labor world amid the digital revolution using the ethical framework of this historic document. The study employs a descriptive quantitative approach. The analytical methods include literature review, interpretation of secondary data on digital transformation, and comparative evaluation between the principles of Rerum Novarum and contemporary employment conditions. The article reveals that digital transformation is not just about technological advancement, but also about ensuring human welfare. The ethical approach inherited from Rerum Novarum can serve as a guide in designing inclusive and just employment policies. To face the digital era, a comprehensive strategy is needed that integrates technological innovation with worker rights protection. Digital literacy, equitable technology access, and social protection policies become key elements in achieving a dignified transformation.

The development of the times influences the education system, including the curriculum, which serves as the foundation for achieving educational goals. This article discusses the importance of the curriculum in enhancing the quality of education, particularly in Islamic Education (PAI), as well as how the curriculum is designed to address societal challenges and student needs. This research employs a qualitative approach and descriptive methods to gather information related to curriculum development, which consists of planning, implementation, and evaluation. The curriculum is dynamic and contextual, emphasizing the involvement of relevant parties in adjustments according to social and cultural conditions. The article also explains the design of educational programs, which includes objectives, content, learning experiences, and evaluation, as well as the principles that must be adhered to in curriculum design. Thus, the role of teachers as educators and implementers of the curriculum significantly impacts the quality of learning, making the collaboration between education policy and field practice a key factor in achieving educational success.

Giving thanks in success is a natural and important part of a believer's life, especially when life is filled with abundance. However, the ability to remain grateful in the midst of failures and difficulties is a challenge in itself that tests the firmness of faith. In his letter to the Philippians, the Apostle Paul provides an example and an important message on how to remain grateful to God, even when he himself faced prison and suffering. This paper aims to explore the deep meaning of thanksgiving based on Philippians and how it can be applied in the daily lives of believers. Using a descriptive approach and relying on the Bible as the main source, this study reveals that Paul taught four main dimensions of thanksgiving: thanksgiving in suffering, thanksgiving in service, thanksgiving for Christ, and thanksgiving for God's blessings. True thanksgiving comes from a deep relationship with God, which enables one to remain steadfast in the midst of life's challenges. These principles become relevant to help believers live life with a grateful heart, both in easy and difficult circumstances, and find true peace in their faith journey.

Inflation is a significant economic challenge in Indonesia, affecting price stability and people's purchasing power. In a sharia economic perspective, inflation is not only seen as an economic phenomenon, but also involves moral and social aspects. This article discusses the role of sharia monetary instruments in controlling inflation in Indonesia, highlighting the principles of fairness and transparency. Instruments such as Bank Indonesia Sharia Certificates (SBIS), Bank Indonesia Sharia Savings Facilities (FASBIS), and Sharia Open Market Operations (OPT) have been implemented to regulate the amount of money in circulation and maintain economic stability. Although their contribution to controlling inflation is still limited, the potential of sharia instruments can be strengthened through increasing market understanding, education and collaboration between the government, Bank Indonesia and sharia financial institutions. With more optimal implementation, sharia monetary instruments can create a stable, fair and sustainable economic system for the Indonesian people.

The purpose of this research is to explore the principles of Islamic economics in adapting to the rapid developments in science, technology, and arts (STEM). Islamic economics focuses on several aspects, including material, spiritual, and moral dimensions. This illustrates that the principles of Islamic economics should be applied to a broader environment, including developments in science, technology, and arts (STEM). Islamic economics is a system that adheres to the principles of Islamic law (Sharia). The concept of Islamic economics includes: Balance, Justice, and Safety, which serve as the foundation for resource management. There are many opportunities within Islamic economics to establish a new financial system, such as reporting and recording based on Sharia and utilizing more optimal technology. The application of this new Sharia financial system plays an important role in strengthening the principles of Islamic economics, including the prohibition of usury (riba), uncertainty (gharar), unjust distribution of wealth, and investments that harm the community. Investment in Islamic economics is a means of placing funds with the aim of generating profit, while adhering to the principles of Islamic economics, making it a permissible activity that avoids elements of usury, gambling (maysir), and uncertainty (gharar). The implementation of these principles of Islamic economics will ultimately benefit the community and prevent any harm. People must pay more attention to the legal foundations set by Sharia, which provides clear guidelines for a prosperous and balanced life, covering both social and economic aspects as well as the environment.

This research examines epistemology as a foundation in Islamic economics through the Ihtisaan, Maslahah, Murlahah, and Al-Urf approaches. Epistemology in Islamic economics does not only focus on technical aspects, but also explores the philosophical foundations underlying this system. With this approach, this research seeks to answer the challenges of implementing sharia principles in a modern economic system without ignoring basic Islamic values. The method used is qualitative with a literature study approach, which includes analysis of verses from the Koran, Hadith and the views of ulama. The research results show that these four values ​​complement each other, creating harmony between the normative principles of sharia and practical reality. This concept allows Islamic economics to remain relevant in facing global challenges, providing fair and sustainable solutions. It is hoped that this research can strengthen the position of Islamic economics as a system that is adaptive, inclusive, and remains rooted in the noble values ​​of sharia.

Islamic finance is a financial system based on sharia principles, such as the prohibition of usury, gharar, and maysir, which emphasizes justice, financial inclusion, and sustainability. This study aims to analyze the role of Islamic finance in the revitalization of developing countries' economies, focusing on instruments such as sukuk, zakat, waqf, and microfinance. Through the literature study method, this study shows that Islamic finance is able to support infrastructure development, community empowerment, and reduction of social inequality. This study analyzes the role of Islamic finance in the revitalization of developing countries' economies through instruments such as sukuk, zakat, waqf, and microfinance. The results of the study show that Islamic finance is effective in supporting infrastructure development, community empowerment, and reduction of social inequality in countries such as Indonesia, Malaysia, and Pakistan. However, its implementation still faces challenges, such as low Islamic financial literacy and limited regulations. The conclusion of the study confirms that Islamic finance has the potential to drive inclusive and sustainable economic growth if supported by increased literacy, regulatory harmonization, and expanded access to Islamic financial products.

This article discusses the importance of ethics, morals and morals in the context of sharia banking in Indonesia. With increasing public awareness of sharia values, sharia banking strives to provide financial services that meet the principles of justice, transparency and social responsibility. Sharia-based business ethics not only require bankers to behave honestly, but also understand the moral norms that govern social and business interactions. Morality rooted in religious and cultural values ​​is a guideline in maintaining the integrity of financial institutions. Meanwhile, morals reflect individual character which is formed through education and experience, which is very important in maintaining the public's reputation and trust in financial institutions. This article also identifies the challenges of implementing ethics and morals in sharia banking, and provides suggestions for increasing the understanding and application of these values ​​among banking professionals. By understanding ethics, morals and manners, it is hoped that more ethical and sustainable business practices can be created so that they can make a positive contribution to society.

  Abstract. The research investigates the principles and ethical codes in business, highlighting their critical role in today's competitive environment. As businesses face increasing pressure to balance financial success with ethical conduct, the study aims to define these concepts, explore their scope, and identify key ethical principles while examining their implementation in Islamic banking. Employing a qualitative methodology, the research analyzes literature and case studies to understand the frameworks guiding ethical business practices. Findings reveal that principles such as honesty, social responsibility, and fairness are essential for fostering trust among stakeholders and enhancing corporate reputation. The implications stress the necessity for businesses to integrate these ethical codes into their operations actively, as doing so not only builds a positive public image but also contributes to long-term sustainability. Furthermore, the study identifies challenges in applying these standards, emphasizing that overcoming such obstacles is vital for creating a fair business ecosystem that benefits all parties involved.

Modern globalization has had a significant impact on interactions between countries, economies and cultures, but it has also created new challenges such as social injustice, intercultural conflicts and environmental crises. The encyclical “Pacem in terris” issued by Pope John XXIII in 1963 offers an excellent outlook to help address the complex challenges of modern globalization. This article aims to analyze the relevance of Pacem in Terris to address the problems of today's world and identify how the principles it promotes can be integrated into a complex global constellation. The method used in this research is qualitative analysis with literature review. The principles of “Pacem in Terris” such as respect for human rights, social responsibility and intercultural dialogue are essential to deal with today's world problems such as helping to overcome economic disparities, encouraging international cooperation, and strengthening collective consciousness to create peace.Modern Globalization, Paccem in teriis, Relevance

This study explores the legal implications of regulations issued by the Indonesian Waqf Board (BWI) regarding the necessity of obtaining approval from the heirs of the waqif (donor) for changes in nazhir (waqf administrators) or waqf purposes when the waqif has passed away. It examines the alignment of these regulations with both positive law and Islamic law principles, highlighting potential challenges and contradictions. The study emphasizes the significance of ensuring effective waqf management while maintaining compliance with Islamic law's foundational principles, which assert that waqf assets are separated from personal ownership and cannot be sold, rented, or inherited. However, current BWI regulations require heirs' involvement, raising questions about their potential impact on the flexibility and independence of waqf governance. The research concludes that while involving heirs aims to safeguard waqf assets, it may also introduce unnecessary complexities, potentially hindering the optimal use of waqf resources for public benefit.

This research aims to explore the meaning of work in the context of the Church's social teachings, with a focus on the perspective of the encyclical Laborem Exercens.The background to this research is rooted in the importance of understanding work as an integral part of human life and Church teachings. The method used is qualitative analysis of the encyclical, which includes text study and interpretation of meaning. The findings show that work is seen as a deep calling, where each individual contributes to the creation and well-being of society. In addition, this encyclical emphasizes the values ​​of justice, solidarity and human dignity in the world of work. The implication of this research is the need to reaffirm the importance of work ethics based on Church teachings, as well as encouragement to create a more just and humane work environment. It is hoped that the results of this research can become a reference for stakeholders in formulating policies that support the principles of the Church's social teachings in daily work practices.

This study explores the evolution of Islamic economic thought from its classical roots to contemporary interpretations, highlighting significant paradigm shifts and the contributions of influential figures throughout its history. During the classical era, Islamic economic thought drew heavily from the teachings of the Qur'an and Hadith, as interpreted by scholars such as Abu Yusuf, al-Ghazali, and Ibn Khaldun. At the heart of this thinking are the principles of social justice, the prohibition of usury, and the need for a fair distribution of wealth. Recently, there have been important updates in Islamic economic thought, shaped by the global socio-economic context and the imperative to address modern economic problems. Key figures such as Muhammad Baqir al-Sadr and Umar Chapra have played an important role in developing a more relevant Islamic economic theory, combining concepts such as Islamic banking, macroeconomics, and entrepreneurship based on Islamic ethics.

This study aims to analyze the concept of riba in Islamic economic thought and its implications for financial stability in the contemporary era. The research employs a qualitative descriptive method by reviewing primary sources, including the Quran, Hadith, and scholars' fatwas, as well as secondary sources such as academic literature and previous research on riba and Islamic finance. The findings reveal that riba has a significant impact on economic instability and social inequality. Meanwhile, profit-sharing systems and other Islamic financial instruments offer sustainable solutions for maintaining financial stability. This research contributes to the understanding of Islamic economic principles and their practical application in addressing modern financial challenges.

The branch of economics called Islamic monetary policy discusses the nature, function, and impact of monetary policy in a country. Not only the supply and demand of money, this Islamic monetary emphasizes the principles of justice and brotherhood that pursue equality and create equitable distribution of wealth and income. The purpose of this research is to see how the transmission of Islamic monetary policy on the performance of MSMEs in Serang City. To stay competitive or even win the competition, an organization can evaluate its strategy in the face of an ever-changing market. Micro, Small and Medium Enterprises (MSMEs) are very flexible and resilient to the economy, but they have several limitations such as financial capabilities and human resources. To gain a competitive advantage, MSMEs must be able to determine the right strategy. This research uses a descriptive approach by using observation techniques and interviews with MSME actors in Serang City. Based on the results of the study, it shows that the sharia monetary policy applied to the performance of MSMEs in Serang City is very helpful for business actors by providing access to safe capital, effective money management training, and information technology-based marketing training.

This study aims to analyze the implementation of credit risk management in Islamic banking, which is a crucial aspect in maintaining business stability and sustainability. The research focuses on identifying credit risk control strategies, such as supervisory oversight by the board of commissioners, risk management policies, and internal control systems. The research method used is a literature review, examining various sources, including journals, books, and official documents. The article shows that credit risks in Islamic banking arise from customers' failure to meet payment obligations and involve concentration and counterparty risks. Islamic banks apply several strategies to address non-performing loans, such as rescheduling, restructuring, reconditioning, and, when necessary, collateral seizure. The implementation of credit risk management helps banks reduce potential losses and improve operational efficiency. Effective credit risk management enables Islamic banks to mitigate losses and maintain customer trust while adhering to Sharia principles and OJK regulations. With the right strategies, Islamic banks can ensure financial stability and sustain long-term growth..

The purpose of writing this thesis is to find out about the Judge's considerations in issuing a Niet Ontvankelijk Verklaard (NO) verdict on domestic violence cases in military courts and to find out how the verdict should be issued on domestic violence cases in military courts. The type of research used is normative legal research because in this study the author focuses on the inconsistency between the expected conditions that have been regulated in the law and the reality that actually occurs, where this study uses a legislative approach, a case approach, and a conceptual approach. The conclusion of this study is that the Judge's consideration in issuing a Niet Ontvankelijk Verklaard (NO) verdict on domestic violence cases in military courts is because the victim has withdrawn her complaint before the main case examination, even though the withdrawal of the complaint violates Article 75 of the Criminal Code, the Judge still grants the request because the Judge uses the Supreme Court Decision Number 2238 K / Pid.Sus / 2013 dated March 5, 2014 and the Supreme Court Decision Number 1600-K / Pid / 2009 and the Judge prioritizes the value of justice in resolving the case and uses the principles of fast, simple, and low-cost justice. Because the Niet Ontvankelijk Verklaard (NO) verdict is not known in criminal cases, in the author's opinion, ideally the Judge should issue a suspended sentence because the type of suspended sentence is also a type of punishment and is not at all an acquittal or deletion, while the existence of a probationary period that has been determined by the Judge aims to educate the perpetrator to be more careful and able to improve themselves

Student character development is one of the main goals of education, especially in madrasas based on Islamic teachings. However, there are still many students who have difficulty internalizing Islamic values in their daily lives. This is influenced by a lack of spiritual understanding, weak self-control, and less than optimal guidance methods. Islamic counseling, which is based on the principles of the Qur'an and Hadith, is a relevant holistic approach to strengthen students' Islamic character through the cultivation of spiritual, intellectual, and social values. This study aims to analyze the effect of Islamic counseling on students' character building in madrasah, identify the most affected character aspects, and provide recommendations for integrating Islamic counseling services into the Guidance and Counseling program. Using a qualitative approach with a case study method, the research involved in-depth interviews, participatory observation, and document analysis. Data were collected from students, guidance teachers, and homeroom teachers to explore the experience and impact of Islamic counseling on students' characters, such as honesty, responsibility, discipline, and empathy. The results showed that Islamic counseling is effective in improving student character, especially in terms of self-control and social interaction. The findings support the importance of integrating Islamic counseling services as part of the educational program in madrasah to achieve more optimal character building. This research is expected to contribute to the development of a structured and effective Islamic counseling program.