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This study focused on assessing the conformity of sharia to kafalah contracts in Hasanah Card products. The main findings show that the implementation of kafalah contracts on Hasanah Cards still does not fully meet the required Sharia criteria. The majority of scholars are of the view that the agreement related to ujrah for kafalah services falls into the category of riba qardh, so it is forbidden. Therefore, it is important to keep the kafalah in its purity context as a form of aid and almsgiving without any element of imbalance or compensation that is not under the principles of Shariah. This research is expected to make a significant contribution to the development of Islamic financial products that are more in line with Islamic teachings. By highlighting shortcomings in the implementation of the kafalah contract in the Hasanah Card product, it is hoped that it will encourage better improvement and innovation efforts to ensure Sharia compliance in Islamic finance practices. In addition, this research is also expected to increase public awareness of the importance of applying sharia principles in every aspect of finance, to create a more transparent, fair, and under Islamic values.

Abstract. The digital era has brought significant changes across various sectors of life, including the economy. The continuously evolving digital technology presents new opportunities and challenges, particularly in the implementation of Islamic economics in Indonesia. This article aims to analyze the innovations and implementation of Islamic economics in facing the developments of the digital era. The theoretical review covers the principles of Islamic economics, technology in the digital era, and the role of digital technology in the context of Islamic economics. This research employs a literature review method to understand various innovations and implementations in Islamic economics. The study results show that Islamic fintech, blockchain, Islamic crowdfunding, and collaboration with E-Commerce marketplaces have had a positive impact by enhancing access, transparency, and efficiency in financial transactions. By leveraging technological innovations, Islamic economics can contribute to creating an inclusive and sustainable economic system, benefiting individuals and society as a whole. Keywords: Digital Era, sharia economics, Technological Innovation   Abstrak. Era digital telah membawa perubahan signifikan di berbagai sektor kehidupan, termasuk ekonomi. Teknologi digital yang terus berkembang memberikan peluang dan tantangan baru, khususnya dalam implementasi ekonomi syariah di Indonesia. Artikel ini bertujuan untuk menganalisis inovasi dan implementasi ekonomi syariah dalam menghadapi perkembangan era digital. Kajian teori mencakup prinsip-prinsip ekonomi syariah, teknologi di era digital, dan peran teknologi digital dalam konteks ekonomi syariah. Penelitian ini menggunakan metode kajian literatur untuk memahami berbagai inovasi dan implementasi dalam ekonomi syariah. Hasil studi menunjukkan bahwa fintech syariah, blockchain, crowdfunding syariah, dan kolaborasi dengan E-Commerce marketplace telah membawa dampak positif dengan meningkatkan akses, transparansi, dan efisiensi transaksi keuangan. Dengan memanfaatkan inovasi teknologi, ekonomi syariah dapat berkontribusi dalam menciptakan sistem ekonomi yang inklusif dan berkelanjutan, menguntungkan individu dan masyarakat secara keseluruhan. Kata kunci: Era Digital, Ekonomi Syariah, Inovasi Teknologi

The implementation of the rule of law and the national constitution play an important role in building strong and sustainable national resilience. This research aims to provide an in-depth understanding to the younger generation about the crucial role of the rule of law and the national constitution in building a solid state foundation. The method used was a qualitative approach and in-depth interviews with 18 student respondents to understand their views on the rule of law and the national constitution. The interview results show that the younger generation realizes the importance of knowledge about the rule of law and the national constitution in preventing corruptive behavior, fighting for justice, and protecting individual rights. The implementation of the rule of law and the national constitution is key in building strong national resilience, so a solid understanding of these legal principles is crucial for the younger generation as future leaders. With a strong legal awareness, the younger generation is expected to become agents of change that strengthen national resilience through active participation and advocacy for the principles of democracy and human rights.

The aim of this research is to determine the feasibility of the Pancasila Education teaching module, determine students' responses to the implementation of the Pancasila Education teaching module, determine students' interest in learning after implementing the Pancasila Education teaching module, and determine the development of the Pancasila Education teaching module in the material of Chapter 3 Cultural Diversity. My Indonesia Topic B Let's Preserve Indonesian Culture. This type of research is Development Research (Research and Development) using the ADDIE (Analysis, Design, Development, Implementation, and Evaluation) model. The sample in this research was 18 class V students at SD Negeri 1 Kujon. The data collection techniques used were interviews, observation, questionnaires, tests and documentation. The results of this research show that the development of the Pancasila Education teaching module can increase the learning interest of class V students at SD Negeri 1 Kujon with a percentage increase of 52%.

This research aims to describe the role of teachers in 21st century learning for elementary school students in the independent curriculum.  In this research, the method used is qualitative descriptive analysis with a library research approach, namely an approach that focuses on literature analysis.  Researchers collect data from various written sources such as books, journals and other references.  Based on the research results, it shows that in 21st century learning teachers have a very important and crucial role in the learning process and development of students' skills based on 4C skills (communication, critical thinking, collaboration and creativity).  It is hoped that 21st century learning for elementary school students through the independent curriculum can develop students' potential and skills to compete with developments that are increasingly developing day by day.  The implementation of the independent curriculum in elementary schools also plays a role in creating empowered students, able to adapt to current developments through a project to strengthen the profile of Pancasila students.  Therefore, it is hoped that there will be collaboration and support from parents, school principals and the government so as to produce a young generation who are intelligent, have character and are ready to face the future. Abstrak. Penelitian ini bertujuan untuk mendeskripsikan bagaimana peran guru dalam pembelajaran abad-21 pada siswa sekolah dasar di kurikulum merdeka. Dalam penelitian ini, metode yang digunakan adalah analisis deskriptif kualitatif dengan pendekatan library research, yaitu pendekatan yang berfokus pada analisis literatur. Peneliti mengumpulkan data dari berbagai sumber tertulis seperti buku, jurnal, dan referensi lainnya. Berdasarkan hasil penelitian menunjukkan bahwa dalam pembelajaran abad-21 guru memiliki peran yang sangat penting dan krusial dalam proses pembelajaran dan pengembangan keterampilan siswa berdasarkan keterampilan 4C (communication, critical thinking, collaboration, dan creativity). Pembelajaran abad-21 pada siswa sekolah dasar melalui kurikulum merdeka diharapkan dapat mengembangkan potensi dan keterampilan siswa untuk bersaing dengan perkembangan zaman yang kian hari makin berkembang. Implementasi kurikulum merdeka di sekolah dasar juga berperan untuk menciptakan siswa yang berdaya, mampu beradaptasi dengan perkembangan zaman melalui projek penguatan profil pelajar Pancasila. Oleh karena itu diharapkan adanya kolaborasi dan dukungan  dari orang tua, kepala sekolah dan pemerintah sehingga menghasilkan generasi muda yang cerdas, berkarakter, dan siap menghadapi masa depan.

Policies that are often taken by public officials sometimes give rise to major criticism committing a pattern of criminal acts of corruption. Policies that are considered can fall into the action category corruption is policies that could harm state finances. So it's a loss State finances are one of the elements of criminal acts of corruption in Article 2 paragraph (1) and Article 3 Act No. 31 Year 1999 jo Act No. 20 Year 2001 about Eradication Act Criminal Corruption. The formulation of elements that are detrimental to state finances in these two articles is at the evidentiary level still raises various obstacles because it is an unclear and unclear norm multiple interpretations. Results from study show that prove that element harm state finances in criminal acts of corruption are still understood as formal criminal acts so that the proof Enough with fulfil deed the And No need There is consequence, Good Which potential harm finance country nor loss Which Actually, perpetrator can convicted. After Court Constitution through Decision Number 25/PUU-XIV/2016 mention that the word "can" in Article 2 paragraph (1) and Article 3 is unconstitutional and is fundamentally change qualification corruption become become crime material, However in its implementation There are different views regarding law enforcement officials in proving that element This is detrimental to state finances, giving rise to legal uncertainty. In the upcoming corruption criminal law reform, the more appropriate model of proof is with use draft loss finance country in meaning  crime material. Through draft This, something deed new can seen fulfil elements follow criminal corruption with condition There must be a result of the state's loss being real and occurring (actual). lost). Proof concept loss state finances in meaning  material ensure law Which fair certainty.

This research explores the management of management information systems at Jomelo Cosmetic Shop on Bukit Kaminting Induk Street, Palangka Raya City using qualitative methods and a holistic approach. Data were collected through observation, interviews, and documentation. The study discovered that the deployment of a management information system has a significant impact on the efficacy of the organization's data source system, with 100% of respondents stating that SIM helps improve operational efficiency and decision-making. In the study, one hundred percent of respondents stated that SIM improves operational efficiency and decision-making processes, which shows how important the implementation of a management information system  is to improve the performance of enterprise data source systems. The study recommends several measures to improve the effectiveness and efficiency of  management information system, such as increasing staff training on the use of SIM (80% of respondents agreed), monitoring and evaluating SIM performance regularly (75% of respondents agreed) and optimizing the use of information technology to support SIM (65% of respondents agreed). This study also recommends several steps to improve product information for customers, such as providing more complete product information on the store website (90% of respondents agreed), utilizing social media to promote products (85% of respondents agreed), and training store staff to provide proper product information (70% of respondents agreed The findings of this study indicate that Jomelo Cosmetic Shop can improve its competitiveness and quality of service to customers by implementing best practices in information systems management. This is expected to improve operational efficiency and better delivery of product information to customers.

A country relies heavily on its civic education. Education makes countries progress and develop. Technological advances can have a positive or negative impact on education. There are benefits to using technology today, such as the pandemic, because lessons are conducted online. However, the negative effect is that it makes the younger generation addicted to technology. Even the era of society 5.0 can influence children's character. By instilling Pancasila values from an early age, it is hoped that the younger generation will become more aware of the importance of Pancasila for Indonesia. This article was written to determine to what extent and how the younger generation applies the principles of Citizenship Education. Analysis uses a descriptive approach and data is collected from book and journal sources. The research results show that in the last two years, especially in the millennial generation, there has been a lack of implementation of the values of Citizenship Education as strengthening children's character.    

This research aims to implement the Class 7 teaching campus program in improving student literacy and numeracy at Bhakti Karya Simo Vocational School. The method used is a qualitative descriptive method with an interpretive paradigm because the researcher is directly involved in the interaction. Data collection techniques through observation, interviews and case studies. The objects of this research are schools, students and students' learning activities during campus teaching assignments. This research was carried out for almost four months, starting from February 26 to June 2 2024. The results of this research are that the campus teaching program carries out various work programs that can improve students' literacy and numeracy skills, such as literacy habits, library viewing, literacy corners, magazines wall, work language week, literacy and numeracy festival, numeracy snakes and ladders, numeracy crossword puzzle, mathematics quiz, technology adaptation training to natural disaster mitigation adaptation. In its implementation, there are various obstacles and challenges faced by students, but they can be resolved by finding the best solution.

This article discusses the implementation of information technology in office administration management in schools. To support the smooth running of the process Learning certainly requires supporting facilities so that all activities are neatly and efficiently organized. Information technology is here to help the school administration process become more effective and efficient. Of course, it is not only the school administration that will be helped, but communication between teachers, staff and students will improve. Information technology in office administration management also certainly helps manage finances and manage school personnel. The purpose of this article is is to review how the administration system is based information technology to streamline the performance of teaching staff and staff in schools. Method used is descriptive qualitative.

Disputes between contractor service user companies and contractor service providers as a result of the contractors who bind themselves in the cooperation agreement cannot carry out their responsibilities properly. contracting work, infrastructure maintenance that is not in accordance with standards, the use of unqualified materials, the indiscipline of contractor workers in complying with work safety and work schedules that are not on time, so that things do not happen during the cooperation contract period, standard, clear and detailed regulations are needed at the beginning of making a cooperation agreement with the contractor in setting work standards, material specifications, and deadlines for work implementation, so that contractor service providers can carry out their responsibilities professionally and on time. That way the contractor service user company is not worried when entering into a cooperation agreement with the contractor service provider. Because the main focus is standards, empirical juridical research also investigates the empirical aspects. This research is used as descriptive research to show the effect of choosing a cooperation contract model, Types and Sources of Data, research data includes research data includes initial data secondary data. Primary data is data collected directly from respondents or informants, including experts and parties who have the competence to be interviewed. In this study, several legal regulations, including government, presidential, and regional regulations, serve as the legal umbrella for cooperation agreements between companies and contractors. It turns out that the various laws still suffer from norm vagueness, norm conflicts, and norm vacuums. This results in various interpretations of practice, which in turn affects various types of regulations. One of the problems that often occurs is about who participates in the joint Contract between the company & contractor, as well as the process of resolving legal disputes. 

This research is a type of classroom action research (PTK) which uses a qualitative approach. The CTL (Contextual Teaching and Learning) approach is the approach used in this research. The research subjects were students in class VII-2 of Beringin 1 State Junior High School in the 2023/2024 academic year, consisting of 32 students, namely 13 boys and 19 girls. Data collection techniques include objective tests, observation, direct question and answer, documentation, and field notes. The instruments used include learning outcomes tests, assessment of students' attitudes and emotions, assessment of writing skills based on assignments, as well as observation sheets from the research process. The results of reflection and data analysis during cycles I and II of the learning process show that the implementation of CTL has gone well. Students are very involved in learning activities and most have completed assignments. The indicators for implementing learning using the CTL method in cycle II entered the very good category or 90.

This research aims to analyze the differences and similarities between basic industrial strategy and orientation strategy in the context of business development. A basic industrial strategy covers the general approaches used by companies to operate in a particular industry, including competitive analysis, supply chain, and risk management. On the other hand, onboarding strategy focuses on adjusting and adapting business strategies to changes in the external environment, such as technology, regulations and consumer preferences. Through literature studies and case analysis, this research finds that the integration of these two strategies can provide significant competitive advantages for companies. The success of implementing a basic industrial strategy is greatly influenced by the company's ability to adapt its orientation strategy according to market dynamics and the business environment. This research concludes that a deep understanding of these two types of strategies and their appropriate implementation can help companies improve their business performance and sustainability.  

This research aims to: 1) Understand the concept of implementing Istighosah SMK Takhassus Al Qur'an Wonosobo in instilling religious values ​​in its students; 2) knowing the implementation of Istighosah in instilling religious values ​​in students at Takhasus Al Qur'an Vocational School, Wonosobo; 3) To find out the supporting and inhibiting factors. This research uses qualitative field methods to examine complex and dynamic problems. This method was chosen so that data obtained from sources through direct interviews could be filtered more naturally and produce scientific answers. The results of this research show that Takhasus Al-Qur'an Vocational School applies the concept of Istighosah as an effort to instill religious values ​​and religious character in students. This program requires all students to take part in Istighosah activities which are held every day before learning begins. Takhasus Al-Qur'an Vocational School holds Istighosah as a means to foster spiritual awareness and instill religious values ​​in its students. Through this program, it is hoped that students will be able to integrate these values ​​in their daily lives. In instilling religious values ​​through istighosah activities, there are supporting and inhibiting factors for the implementation of Istighosah in instilling students' religious values. The successful implementation of Istighosah to instill religious values ​​in students is supported by good cooperation between teachers, adequate facilities and infrastructure, as well as a supportive environment so that the cultivation of religious characters can continue to be integrated into students' daily lives. There are several obstacles that hinder the effective implementation of Istighosah to instill religious values ​​in Takhasus Al-Qur'an Vocational School students, including students' limited understanding of Istighosah, lack of self-control, and lack of habit in carrying out Istighosah prayers.    

There are several problems that arise in the process of community service, especially related to a lack of knowledge about business fields and effective marketing strategies. Knowledge about innovation and sales knowledge are the basic foundations for carrying out entrepreneurial activities, if not carried out well entrepreneurial activities will not be as expected. In this service, the implementing team provides education regarding entrepreneurial activities. The method used is participatory in activities such as group discussions, interviews, consultations and determining action decisions. The implementation of this activity involves the participation of several communities in the Batu Aji, Batam region. The implementation of this activity includes several stages, which are planning, implementation of activities and evaluation. In community service activities, this training has had a positive impact on the people, where many people try to run businesses from home using the available resources around them. In addition, the application of social networks in marketing activities becomes even more effective in creating sustainable revenue sources and expanding markets.

The Merdeka Curriculum is designed with several basic principles as its foundation, such as learning that is simpler and deeper, more independent, and more relevant and interactive. It is hoped that these principles can make the teaching and learning process more effective and interesting for students. However, in its application, there are several factors that can influence the study of the Independent Curriculum. These factors include challenges in implementation, changes needed in the current education system, and how to accelerate the development and development of this curriculum. Therefore, it is important to examine the principles and factors that influence the Independent Curriculum. It is hoped that this study will provide a better understanding of how these principles and factors influence the implementation of the Independent Curriculum, as well as what challenges may be faced in its implementation.    

The quality of student learning is not yet optimal, this is in accordance with empirical data that the decline in achievements achieved by students in the academic and non-academic fields and the lack of professional teaching graduates means that planning management for developing teacher pedagogical competence is needed. The research was conducted using a descriptive analysis method with a qualitative design. The data analysis technique used is an interactive analysis technique, through data reduction, data presentation, drawing conclusions, and triangulation. The results of the research inform that (1) Planning for the development of pedagogical competence at SDN 2 Cieurih, SDN 3 Cieurih and SDN 1 Jalatrang was made based on the results of identifying needs and vision, mission and goals that had been determined, in its implementation the planning for developing teacher pedagogical competence was carried out in the form of meetings Work. (2) Implementation of pedagogical competency development at SDN 2 Cieurih, SDN 3 Cieurih and SDN 1 Jalatrang by participating in teaching, learning and administrative meetings, scientific forum programs held by local agencies in the form of education and training, making lesson plans, KKG, seminars or workshops . (3) evaluation Planning for the development of pedagogical competence focuses more on evaluating teacher performance through supervision activities with classroom action assessments. Apart from that, the principal also holds monthly work evaluations, one of which discusses the activities that have been carried out by teachers after participating in scientific forum activities outside the school. The monthly meeting is a control over the implementation of activities that will be carried out as well as an evaluation of activities that have been carried out previously. (4) Follow-up to the development of teacher pedagogical competence is to give awards to teachers who have met standards, provide coaching by holding meetings between school principals and teachers through face-to-face meetings and implementing the MGMP (Subject Teachers' Conference) program. ) (5) Supporting factors, namely teaching staff with a bachelor's degree, available funds, and complete infrastructure. Meanwhile, the inhibiting factor is that a handful of teachers who are approaching retirement have difficulty or are less interested in activities to develop the competence of teaching staff, in addition to having problems with timing at the same time as teaching schedules.

The agricultural sector is an important pillar of Indonesia's development, contributing to employment, food security, and economic growth. However, the sector's potential has not been fully utilized, with low agricultural productivity being a major problem. Factors such as the low interest of the younger generation to become farmers, lack of quality education, and limited agricultural technology are the main causes. Generation Z, with its proficiency in technology, has great potential to overcome these challenges through the implementation of precision farming, a model that uses modern technology to improve farming efficiency and yield. While the government has made various efforts, collaboration between the government and various parties, including Gen Z, is needed. Precision agriculture, which involves the use of technologies such as GPS and GIS, can increase productivity with real-time monitoring and more targeted input use. The implementation of precision agriculture also faces challenges, such as limited technological infrastructure and a lack of interest in agriculture among the younger generation. With an integrative approach, adequate education, and technological support, precision farming can be a solution to increase agricultural productivity in Indonesia, while attracting the younger generation to engage in the sector.

The Merdeka Curriculum is here as a breath of fresh air in the world of Indonesian education, bringing a spirit of independence for teachers and students to learn and teach with creativity. One of the important instruments in realizing the vision of Independent Learning is the Learning Implementation Plan (RPP) which has undergone a significant transformation compared to the 2013 Curriculum RPP (K13). The Independent Curriculum RPP is made more concise and focuses on essential points, so that it is easy for teachers to understand and use. Learning objectives are formulated clearly, measurably and oriented towards Learning Achievements (CP), ensuring learning is centered on the outcomes to be achieved. Teachers are encouraged to understand students’ learning profiles, including their interests, talents, learning styles and learning needs. This allows learning to be designed in a personalized and meaningful way for each individual.

Teachers must be able to synchronize their behavior according to what they teach, meaning what the teacher says is in accordance with actions that can be seen from their daily behavior. The role of the teacher really determines the implementation of a good learning process in school. Where religious character is one of the character values ​​that is developed in school. However, there needs to be an in-depth study of what causes them to still have this non-religious attitude or is it outside of the religious attitude that has been instilled in them. The problem of this research is how effective the teacher's personality competence is in forming the religious character of the students of the Nurulhuda Islamic Boarding School, Pakandangan, Sumenep, and what can support and hinder the implementation of teacher personality competence in forming the religious character of the students of the Nurulhuda Islamic Boarding School, Pakandangan, Sumenep, the 2022-2022 school year. 2023. The approach used in this research is a qualitative approach with descriptive research type. There are three components to the data collection technique, namely observation, interviews and documentation. In this research, researchers used single case data analysis techniques (single case design) with the data analysis model introduced by Miles and Hiberman, namely the data analysis process was carried out simultaneously with data collection through several stages starting from the data collection process, presentation and verification or drawing conclusions . The research conclusion is that the effectiveness of teacher personality competence in forming the religious character of students at the Nurulhuda Islamic Boarding School in Pakandangan Sumenep for the 2022-2023 academic year is the involvement of teachers as motivators, mentors, educators, inspirers, evaluators and supervisors. Apart from that, the effectiveness of the teacher's personality competence is a role model for students, providing motivation and advice to students if they commit a violation and there is always time for students even outside class hours. Where these forms are gentle, disciplined, responsible and fair. Supporting factors for implementing teacher personality competence in forming the religious character of students at the Nurulhuda Pakandangan Islamic Boarding School, Sumenep for the 2022-2023 academic year are control and supervision as well as instructions from the boarding school leadership and cooperation and mutual assistance between teaching staff. Meanwhile, the inhibiting factors are inadequate infrastructure, insufficient financing, inadequate family support and supervision when students are at home.