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This study analyzes the mechanism of money creation in Islamic financial institutions by examining its relationship with prudential principles and financial intermediation. The research is motivated by the growth of Indonesia’s Islamic capital market, which reached a capitalization of IDR 5,060 trillion in 2025, yet conceptual challenges remain regarding money creation in line with maqashid al-shariah. The study employs a Systematic Literature Review (SLR) using the PRISMA framework, reviewing 38 relevant academic articles. Findings indicate that money creation in Islamic finance occurs only through real-asset-based activities, differing from the conventional system that relies on credit expansion and interest. Intermediation functions are carried out through partnerships emphasizing fair risk and profit sharing, while the prudential principle ensures controlled monetary expansion. The study concludes that the integration of moral and economic dimensions establishes a fair, stable, and sustainable Islamic monetary paradigm and contributes conceptually to strengthening Islamic financial policy in Indonesia.

The role of economics in human life has become increasingly significant in the modern era as it serves as a foundation for meeting daily needs and achieving collective welfare. This study aims to analyze how Islamic economic principles regulate price determination in markets and income distribution to ensure fairness and social balance. The research adopts a qualitative approach through library research by reviewing classical Islamic literature, modern economic works, and Qur’anic interpretations related to economic justice. The findings show that Islam emphasizes justice, equality, and welfare as the foundation of all economic activity. Price setting in Islam must reflect fairness, avoiding exploitation and ensuring that transactions bring mutual benefit to both sellers and buyers. Meanwhile, income distribution is directed toward social equity through the implementation of zakat, infaq, and shadaqah, which serve as instruments for wealth redistribution and poverty alleviation. The implication of this study is that the application of Islamic economic principles can provide a moral and sustainable alternative to conventional capitalist systems by promoting fairness, social responsibility, and economic stability within society.

This study is grounded in the importance of understanding the dynamics of group behavior within multicultural Islamic education institutions , where spiritual values , organizational culture , and leadership interact to create a harmonious working climate . A strong organizational culture and inclusive leadership are believed to be the foundation for fostering collaboration , fairness , and mutual respect among members . The purpose of this study is to analyze how organizational culture and inclusive leadership styles shape group behavior within socially and culturally diverse Islamic education contexts . This research employs a qualitative method with a Systematic Literature Review (SLR) approach , reviewing relevant academic literature focused on group dynamics , work culture , and Islamic values . The findings indicate that an Islamic value - based organizational culture and inclusive leadership play a significant role in strengthening social cohesion , enhancing participation , and fostering group behavior that is both collaborative and spiritually meaningful .

This think about focuses to analyze the affect of traveler attractions, Advancement, and facilities on the choice to visit the Saung Z guest interest in Karang Tanding Town, Empat Lawang Run the show. This consider is impelled by the potential of sharia tourism as an effort to make neighborhood tourism that prioritizes Islamic values. This consider livelihoods fundamental data with a quantitative approach. The people in this consider is generally 18,000 visitors per year. The reviewing of this consider was carried out by purposive testing with a include up to of 100 respondents going to the guest interest. The examination methodology utilized in this consider is authenticity testing, faithful quality, classical assumption testing, and hypothesis testing utilizing IBM SPSS 22 examination. The results of this study show that tourist attractions, promotions, and facilities have a positive and significant influence on the decision to visit. The proposals of the comes around of this consider are the noteworthiness of more fruitful constrained time strategies, most extraordinary organization of traveler attractions and making strides the quality of workplaces that back guest reassurance in the midst of their visits and to draw in guest captivated This ask approximately is expected to contribute to the advancement of the tourism fragment, especially in Empat Lawang Run the show.

This article raises the academic issue of the low contribution of education quality to economic development in several developing countries, including Indonesia. This problem arises due to limited investment in developing quality human resources. Education plays a strategic role in shaping the intellectual capacity, skills, and productivity of the workforce, which are the foundation of sustainable economic growth. The purpose of this study is to analyze the urgency of education in supporting economic development through the perspective of Human Capital Theory, which emphasizes the importance of investing in people as a primary development asset. This study uses a desk study method by reviewing various academic literature, previous research results, and reports from international institutions regarding the relationship between education and economic growth. The results show that education plays a crucial role in driving economic and social development through the development of competent human resources. Based on human capital theory, investment in education can improve individual capabilities and societal welfare. Developed countries such as Finland, Japan, and Singapore have successfully demonstrated that large budget allocations to the education sector can sustainably increase economic productivity. However, developing countries and Muslim countries still face obstacles such as unequal access, limited facilities, and low teaching quality. Meanwhile, education in Muslim countries needs to be strengthened through curriculum reform and improved teaching quality to produce a skilled and globally competitive generation.

Relational bullying is a form of bullying that often occurs in the school environment and has a significant impact on the psychological and academic aspects of students. This research aims to analyze the influence of relational bullying on students’ interest in learning at various levels of education. The research method used is literature review by reviewing 11 relevant national journals indexed by Google Scoler, DOAJ and Sinta, which were published between 2018 and 2024. The results of the study show that relational bullying generally appears in the form of exclusion, spreading gossip, manipulation of social relationships, indirect mockery, and seniority behavior. The impacts caused include a decrease in academic confidence, increased anxiety and depression, loss of study concentration, and low student motivation and participation in class. This condition implies a decrease in learning achievement and student involvement in school activities. Based on the findings, it is concluded that relational bullying has a significant negative effect on students’ interest in learning. Therefore, prevention efforts are needed through the establishment of a positive school climate, strengthening the value of empathy, and the provision of sustainable counseling services to create a safe learning environment and support the development of students.

The franchise business model has experienced rapid growth in Indonesia, particularly in the food, beverage, and modern retail sectors, such as Indomaret. The franchise system provides efficient business expansion opportunities for franchisors and franchisees to participate in businesses that already have established operational standards and market reputations. However, behind this development, significant legal challenges have emerged, particularly related to the unequal position between franchisors and franchisees in franchise agreements. This study aims to analyze the forms of legal protection for franchisees by reviewing the principles of fairness, balance, and legal certainty in the implementation of franchise contracts. The approach used is a normative juridical method with a case study of the Indomaret franchise partnership, which is examined through an analysis of related laws and regulations, such as Government Regulation Number 42 of 2007 concerning Franchising and Regulation of the Minister of Trade Number 71 of 2019. The results of the study indicate that there is still asymmetry of power in contract drafting, weak legal literacy of franchisees, and a lack of government oversight of agreement implementation. Therefore, regulatory reform and strengthening of oversight mechanisms are needed to ensure that franchise relationships operate fairly, transparently, and sustainably

Science learning in elementary schools plays a vital role in fostering scientific thinking, curiosity, and critical thinking skills from an early age. However, classroom practices are still dominated by conventional methods that make students passive and less motivated, which affects their understanding of abstract concepts such as the states of matter and their changes. This study aims to describe the effectiveness of using Canva as an interactive learning medium to enhance the motivation and learning outcomes of fourth-grade elementary school students on the topic of states of matter and their changes. The research employs a qualitative descriptive method through literature review and theoretical experimentation. The study involved reviewing various scientific sources and conducting a simulated Canva-based learning activity that visualized changes in the states of matter through images, animations, and simple classroom experiments. The findings reveal that using Canva encourages active student participation, clarifies abstract science concepts, and creates an engaging learning experience. Canva has proven to be an effective and innovative medium that supports the principles of the Merdeka Curriculum, emphasizing creativity, collaboration, and independent learning.

Tele-Herbal Medicine is a technology-driven service designed to deliver herbal medicine consultations and therapies through wellness clinics, aiming to improve access to personalized and affordable care. This study systematically assesses its effectiveness, implementation, and challenges as part of integrated health services by reviewing relevant literature published in the past five years. Findings indicate that Tele-Herbal Medicine significantly enhances patient access, offering tailored and cost-efficient herbal treatments. Despite these promising outcomes, implementation faces key obstacles, including inadequate regulatory frameworks, the absence of standardized herbal product validation procedures, and concerns over patient data security. These limitations underscore the urgent need for comprehensive policies, quality assurance mechanisms, and strict data protection protocols, consistent with broader telemedicine guidelines. By addressing these issues, Tele-Herbal Medicine can evolve into a reliable and sustainable model, enabling wellness clinics to expand services without compromising safety or quality. Ultimately, its success depends on clear legal support, standardized validation systems, and robust monitoring tools to ensure effectiveness, safety, and full integration into the healthcare ecosystem, thus positioning it as an innovative solution that bridges traditional herbal practices with modern digital health services.

This research is entitled "Syair Ghayati Karya Karya Ibrahim Tuqan (Study of 'Arudh Science)" which aims to analyze the ghayati poetry by the Palestinian poet Ibrahim Tuqan using the science of 'arudh. The main focus of this research is to identify the patterns or bahr syi'riyyah used in the poetry and examine the various changes that appear in it. This research uses a qualitative descriptive method because the object of study is a literary text that is analyzed in depth, then the results are presented in the form of a narrative description. The data sources for this research were obtained through literature studies by reviewing books, journals, and other relevant documents. Based on the results of the analysis, Ibrahim Tuqan's ghayati poetry uses the raml majzu' pattern as the basic structure of the poetry. In addition, changes were also found in the form of zihaf khabn and zihaf 'illah which occurred in several parts of the verse, although there was no 'illah found in the entire poetry. Thus, this research shows how the application of the science of 'arudh can reveal the beauty and dynamics in classical Arabic literary works.

This research is entitled "Syair Ghayati Karya Karya Ibrahim Tuqan (Study of 'Arudh Science)" which aims to analyze the ghayati poetry by the Palestinian poet Ibrahim Tuqan using the science of 'arudh. The main focus of this research is to identify the patterns or bahr syi'riyyah used in the poetry and examine the various changes that appear in it. This research uses a qualitative descriptive method because the object of study is a literary text that is analyzed in depth, then the results are presented in the form of a narrative description. The data sources for this research were obtained through literature studies by reviewing books, journals, and other relevant documents. Based on the results of the analysis, Ibrahim Tuqan's ghayati poetry uses the raml majzu' pattern as the basic structure of the poetry. In addition, changes were also found in the form of zihaf khabn and zihaf 'illah which occurred in several parts of the verse, although there was no 'illah found in the entire poetry. Thus, this research shows how the application of the science of 'arudh can reveal the beauty and dynamics in classical Arabic literary works.

This study aims to examine the role of implementing Environmental, Social, and Governance (ESG) principles in supporting the transition toward a green economy in Indonesia from the perspective of Islamic banking. The research employs a qualitative approach using a library research method, reviewing academic literature published between 2020 and 2025. Data were analyzed through thematic content analysis to identify the alignment between ESG dimensions and maqashid shariah, as well as the challenges and opportunities of ESG implementation within Islamic banking institutions. The findings reveal that ESG application in Islamic banking remains partial, with greater emphasis on the environmental dimension through instruments such as green sukuk and green financing. The social and governance aspects have not yet been fully integrated into sustainability strategies. Nevertheless, integrating ESG with maqashid shariah strengthens the role of Islamic banks as agents of change in sustainable development. The study highlights the importance of establishing specific regulations, transparent reporting systems, and sharia-compliant green financial innovations to enhance the contribution of Islamic banking to Indonesia’s green economy.

Islamic insurance (takaful) is a financial instrument that functions not only as risk protection but also as an investment tool based on sharia principles. So far, the most commonly applied tijarah contracts in Islamic insurance are limited to wakalah bil ujrah and mudharabah. In fact, the development of modern society’s needs requires the diversification of contracts so that the offered products become more varied and competitive. This study aims to analyze the potential optimization of other tijarah contracts, such as musyarakah, murabahah, ijarah, and istishna’, in the development of Islamic insurance products. The research method used is library research with a descriptive qualitative approach, which involves reviewing literature, journals, DSN-MUI fatwas, and related regulations. The findings indicate that the application of other tijarah contracts has the potential to enrich Islamic insurance product variations, enhance transparency in fund management, and strengthen the competitiveness of Islamic insurance compared to conventional insurance. Furthermore, the diversification of contracts can provide solutions to the limited and monotonous business models of Islamic insurance. However, several challenges arise, including the absence of specific regulations governing these contracts, limited public understanding, and technical complexities in implementation. This study recommends the active role of regulators, especially DSN-MUI and OJK, in formulating clearer regulations and encouraging Islamic insurance companies to innovate by applying diverse sharia-based contracts. Thus, the optimization of other tijarah contracts will not only strengthen the existence of Islamic insurance in Indonesia but also fulfill society’s demand for financial products that are halal, innovative, and competitive.

Indonesia is a democratic country. Democracy provides freedom of space to express opinions, suggestions, and criticisms regarding the state. This study examines the neutrality of Apartur Sipil Negara (ASN) as a pillar of public ethics in the era of Indonesian democracy using the perspective of Good Governance theory. According to the World Bank (1992), good governance has four main principles, namely accountability, transparency, rule of law, and participation. However, democracy in Indonesia still faces various challenges that require serious attention. Political education, monitoring of democratic violations, and strengthening democratic institutions must be priorities to ensure democracy can run well. This study uses a literature study method by reviewing academic literature, regulations, and previous research. The results of the study indicate that the neutrality of ASN is the foundation of public administration ethics and an integral part of good governance. However, its implementation faces challenges in the form of patrimonial culture, political intervention, weak supervision, and inconsistent sanctions. Strengthening regulations, internalization of public ethics, and political commitment are needed to ensure the neutrality of ASN is truly maintained as the ideal of Weberian bureaucracy. Violations of the neutrality of Aparatur Sipil Negara (ASN) in Indonesia remain a serious and recurring problem, especially in the lead-up to electoral political momentum. KASN data from 2020–2024 shows that the number of cases of violations of ASN neutrality tends to increase in election years, illustrating the weak internalization and implementation of Good Governance principles according to the World Bank (1992). Regarding accountability, many ASN are still involved in practical political activities that prevent them from being neutral. Transparency, oversight, and enforcement of sanctions are still not optimal because information on violations is not fully disclosed. Regarding the rule of law, handling of ASN violations is still weak, resulting in a lack of deterrent effect. Regarding participation, the public is affected by ASN partisanship, which has the potential to create political pressure that ultimately undermines the quality of democratic freedom.

Effective communication is a key element in modern public administration, as it serves not only as a means of conveying information but also as a strategic instrument for strengthening inter-agency coordination, increasing public participation, and building public trust in the government. This study uses a qualitative approach with a literature review method, reviewing scientific journals, academic books, and official policy documents to analyze the role of communication in the bureaucracy, identify barriers that hinder its effectiveness, and propose relevant strengthening strategies in the digital era. The results of the study indicate that clear, consistent, and open communication acts as a catalyst in every stage of public policy from formulation, implementation, to evaluation, while simultaneously increasing the government's legitimacy in the eyes of the public. However, several obstacles remain, including the hierarchical organizational structure of the bureaucracy, a closed communication culture, limited communication competency among civil servants, and political intervention that often distorts policy messages. Furthermore, the development of digital technology provides significant opportunities through e-government, social media, and public service applications to expand the reach of communication, but at the same time presents challenges in the form of low digital literacy among civil servants and the public and the risk of spreading false information. To address these issues, recommended communication strengthening strategies include increasing the capacity of civil servants through communication skills training, developing information technology-based communication systems, establishing a more open and participatory organizational culture, and actively involving the public in every stage of public policy. Thus, this study confirms that effective communication is the main foundation of bureaucratic reform, because without inclusive, adaptive, and technology-based communication, public administration will not be able to meet the increasingly dynamic, complex, and critical demands of the public on the quality of government services.

Transformational leadership is an approach that emphasizes inspiration, empowerment, and individual development in order to achieve organizational goals holistically. This study aims to examine the concept of transformational leadership theoretically, while reviewing its application in the context of general organizations and churches, and its relevance according to the biblical perspective. Using the literature study method, this study collected data from various scientific literature and theological sources to build a solid conceptual framework. The results of the study indicate that transformational leadership has significant benefits, such as increasing employee engagement, innovation, and performance. On the other hand, this approach also has limitations, especially in the context of organizations that are bureaucratic or still in the early stages of formation. From a biblical perspective, transformational leadership is in line with the examples of Deborah and Jesus Christ, who led through service, example, and personal transformation. Thus, transformational leadership is not only relevant to the development of modern organizations, but also has a strong spiritual basis in Christian teachings.

This study aims to analyze the forms of conflicts that arise within the educational environment and their implications for educational management. The research employs a quantitative approach based on library research by reviewing relevant journal articles published between 2020 and 2025 that address value conflicts, educational policies, and inter-stakeholder interests. The results indicate that value conflicts are often influenced by cultural differences, parenting styles, technological developments, and friction between traditional and modern values in schools. Policy conflicts emerge when national policies are not aligned with the readiness of facilities, teachers’ competencies, and school contexts. Meanwhile, conflicts of interest occur due to differing priorities among teachers, school principals, parents, and the government. These findings emphasize the importance of implementing adaptive and collaborative management strategies. This article provides an overview of an ideal educational management model to address conflicts and identify opportunities for improvement in the future.  

Learning Islamic Religious Education (PAI) requires a systematic and adaptive approach to address the challenges of student development in the modern era. The ADDIE model, which encompasses needs analysis and continuous evaluation, is considered effective in developing PAI learning. This study aims to examine the application of ADDIE-based PAI learning design in enhancing learning independence. The method used is library research by reviewing journals, books, and scientific documents related to the ADDIE model, PAI learning, and learning independence. Data were analyzed using a content analysis approach to identify patterns and relevance between variables. The results show that each stage of the ADDIE model plays a crucial role in strengthening student learning independence, through the design of structured learning activities, interactive media, and evaluations that encourage self-reflection. The implications of this study emphasize the need for consistent application of the ADDIE model by PAI teachers to improve the quality of learning and the formation of independent character. Schools also need to support resources and training for optimal implementation of the ADDIE model.

This study aims to analyze the application of deep learning in the transformation of religious moderation education in the digital era and its implications for the development of modern Islamic education. The research employs a qualitative descriptive approach using library research, reviewing literature on Islamic education, religious moderation, and artificial intelligence in learning contexts. Data were collected from academic books, scientific journals, articles, and other credible sources, then analyzed using content analysis to identify patterns, concepts, and relationships between technology and the strengthening of moderation values. The results indicate that the implementation of deep learning can transform Islamic education from a traditional rote-based model to a reflective, contextual, and interactive learning process. This technology enables the analysis of students’ thinking patterns and behaviors, the reinforcement of moderation values, character formation, and the development of moderate digital literacy in a personalized and adaptive manner. The integration of technology and spirituality in digital Islamic education creates transformative learning experiences that strengthen empathy, ethical awareness, and students’ reflective capacities. The study implies the importance of developing curricula, learning strategies, and teacher competencies based on artificial intelligence to produce a generation of students who are moderate, tolerant, and competent in facing the challenges of the digital era.

This article discusses the importance of implementing Higher Order Thinking Skills (HOTS)-based learning evaluation in Islamic Religious Education (PAI) subjects. This topic is very crucial considering that PAI in the modern era is not sufficiently delivered through conventional methods such as memorization and lectures, but must encourage students to think critically, creatively, and reflectively towards religious teachings. The method used in this writing is a library research with a qualitative descriptive approach, reviewing relevant literature related to HOTS and its implementation in PAI learning evaluation. The results of the study indicate that HOTS-based evaluation is able to develop students' abilities in analyzing, evaluating, and creating solutions to contextual problems, thus supporting the formation of adaptive and highly reasoned religious characters. The implication is that the application of HOTS-based evaluation in PAI learning contributes significantly to students' cognitive development and is very relevant in the study of developmental psychology, especially in forming balanced intellectual and emotional intelligence.