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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..

In the current era, land is a basic need that is extremely important and meaningful in human life, particularly as a place to live, work, farm, or conduct various economic activities. With the rapidly growing population, the demand for residential land is also increasing. The population growth that is not matched by land availability creates significant pressure in the property market, leading to the development of new housing and settlements, both in urban and suburban areas. However, due to the increasingly limited availability of habitable land, this often triggers intense competition among individuals or parties with vested interests in obtaining land rights. The desire to own land has become very strong, as nowadays, land is not only used as a residence but also as a valuable resource. This often causes land disputes where the parties involved feel disadvantaged, either due to overlapping ownership, unclear land status claims, or differences in land use allocation. Due to the increasingly complex issues, the Land Office of Kediri City provides an alternative solution for boundary dispute resolution, namely mediation. This practice is an effort to resolve land conflicts peacefully and efficiently. Land disputes are becoming more complex and prolonged, often involving the government, businesses, and local residents. Moreover, land-related issues are frequently associated with unclear administration, weak law enforcement, or differing interpretations of existing regulations. As a result, not only does it impact the individuals involved, but it can also affect social and economic stability in a region. To address these issues, a more structured and transparent approach to land distribution and management is required. The government and society must work together to ensure fair and clear land distribution and provide wise solutions to disputes based on the principles of social justice. Mediation offers a more flexible approach compared to litigation by prioritizing dialogue among disputing parties. In this context, mediation helps alleviate tensions and create mutually beneficial solutions, enabling faster and more cost-effective processes. This study analyzes the effectiveness of mediation practices in reducing the number of disputes brought to court and assesses public perceptions of this resolution method. The results show that mediation can increase the satisfaction of the parties involved and promote stability in land ownership.

The aim of this research is to see how increases in credit and investment interest rates impact economic growth in North Sumatra from 2013 to 2023. Indonesia faces the challenge of balancing economic growth, price stability and job creation as a developing country. Quantitative methods were used in this research, which used secondary data from the National Center for Statistics. This method is multiple linear regression analysis. Included in the variables studied are economic growth, investment, and credit interest rates. The research results show that credit interest rates have a positive but insignificant impact on economic growth, while investment has a negative and significant impact. According to multiple regression analysis, fluctuations in credit and investment interest rates can be responsible for 37.9% of economic growth. Additional unexamined factors influence the remaining sections. This research suggests that the government and stakeholders re-evaluate investment strategies to encourage sustainable economic growth in North Sumatra.

This study aims to analyze the influence of training and work motivation on employee turnover at the BIPTAK Training Center in Semarang City. Employee turnover is a challenge for organizations as it can affect stability and work productivity. This research employs a quantitative approach using multiple linear regression analysis to examine the relationship between the independent variables—training and work motivation—and the dependent variable—employee turnover. The findings indicate that training has a negative and significant effect on employee turnover, meaning that the better the training provided, the lower the employee turnover rate. Additionally, work motivation also has a negative and significant effect on employee turnover, suggesting that the higher the work motivation, the lower the likelihood of employees leaving the company. These findings highlight the importance of improving training programs and motivation strategies to reduce employee turnover rates within organizations.

This research aims to design and simulate a DC motor speed control system using integral state feedback (KISF) control. This control is designed to maintain DC motor speed stability with high accuracy despite disturbances or load changes. The research stages include mathematical modeling of the DC motor, PID control design, integral state feedback control design, simulation implementation and simulation results analysis. The show that althought integral state feedback control has a rise time 273.501 ms, slightly slower than PID 197.604 ms, integral state feedback compensates with higher slew rate of change 6.540 V/ms compared to PID 4.344 V/ms. Integral state feedback offers greater flexibility through pole placement values with Ackerman’s formula J3 = [-12 -100 -600], indicating that this system has good capability in responding to input changes, thus maintaining motor speed stably and efficiently. This indicates that integral state feedback control is superior in system adaptation and handling complex dynamics.

Sharia financial institutions continue to develop along with increasing public demand for services that comply with sharia principles. Among the various products offered, the Wakalah and Rahn contracts are two important instruments in providing diverse and flexible services. The Wakalah contract, which is a form of representation in transactions, allows customers to appoint a financial institution as a representative in managing their financial affairs. Meanwhile, the Rahn contract, or sharia pawn, allows customers to obtain financing by handing over goods as collateral. This research aims to explore the implementation and benefits of service products in sharia financial institutions that use Wakalah and Rahn contracts. The method used is literature study and case analysis of several sharia financial institutions in Indonesia. The research results show that the use of Wakalah and Rahn contracts not only increases flexibility and security for customers, but also supports the growth and stability of Islamic financial institutions. In addition, products based on these two contracts have been proven to be able to meet the diverse financial needs of society, while maintaining compliance with sharia principles. Thus, the integration of Wakalah and Rahn contracts in service products at sharia financial institutions is an effective strategy in supporting financial inclusion and sustainable economic development.

This research examines the concept of money from an Islamic economic perspective which is fundamentally different from conventional economic views. In Islam, money is not a commodity that can be traded for profit. Money is a medium of exchange that must be used to support real economic activities and contribute to social welfare. The basic principles of Islamic economics, such as the prohibition of usury, gharar, and maysir strictly regulate the use of money so that it cannot be used for speculative activities that have the potential to be detrimental. This research aims to analyze the role of money in Islamic economics, explore its application in the Islamic financial system, and assess its impact on wealth distribution and economic stability. The research results show that the concept of money in Islam emphasizes justice, ethics and balance in the economy, and can provide a more sustainable alternative compared to conventional financial systems which often pursue maximum profits without paying attention to social impacts. This research concludes that the application of money principles in Islamic economics can support the creation of a fairer and more inclusive financial system and contribute to the overall economic welfare of the people.

Effective selection methods are key to ensuring that the selected candidates not only meet the required qualifications, but also fit the company culture and values. Through the use of various tools and techniques such as interviews, aptitude tests, and psychological assessments,companies can improve the quality of employees they recruit. The research results show that systematic and rigorous selection methods contribute to improving employee performance, reducing turnover rates, and increasing team stability. In addition, ongoing evaluation of the selection process is also important to ensure its relevance and effectiveness. Thus, investing in appropriate selection methods will produce high-quality employees who can contribute positively to organizational goals. This research provides recommendations for companies to adopt a combination of various selection methods and carry out regular evaluations to improve recruitment results.

This study examines the dynamics of monetary policy and economic diplomacy in maintaining the stability of the Rupiah exchange rate in the context of Indonesia’s international financial market. Indonesia’s economic stability is closely tied to the Rupiah’s value, which is influenced by both domestic economic policies and external global factors. The study analyzes the effectiveness of various monetary policy instruments used by Bank Indonesia, such as the benchmark interest rate, foreign exchange market interventions, open market operations, and minimum reserve requirements. Furthermore, it explores the role of economic diplomacy, including bilateral swap agreements and international cooperation, in enhancing Indonesia's foreign exchange reserves and stabilizing the Rupiah. Despite these efforts, external challenges such as global economic uncertainty, commodity price volatility, and geopolitical tensions continue to pose risks to exchange rate stability. The study concludes with strategic recommendations for strengthening monetary policy, including diversification of foreign exchange revenue, enhancing domestic financial markets, and fostering synergy between fiscal and monetary policies.

Sukuk as an Islamic financial instrument plays a strategic role in supporting monetary stability in Indonesia. This study explores the relationship between sukuk and monetary policy variables, such as inflation, exchange rate, and economic growth. Sukuk has proven to be a stable instrument that supports sustainable development by mitigating external debt risks. Through the analysis of the monetary policy transmission mechanism, this study identifies the role of sukuk in asset price and exchange rate channels. The results show that sukuk has a positive impact on monetary stability and long-term economic growth.

This abstract discusses the importance of preventing corruption through effective implementation of the law, especially in relation to stakeholders. Corruption is a serious threat to public trust and the stability of government and private institutions. Strict and fair application of the law is very necessary to create a transparent and accountable environment. By implementing clear rules and heavy sanctions, acts of corruption can be minimized. Active participation of stakeholders, including government, civil society and the private sector, is also very necessary in monitoring and supporting efforts to prevent corruption. This will create good governance and strengthen public trust in institutions.

This paper discusses the principle of bank secrecy as an important instrument in legal protection for customers, as well as its relevance in maintaining public trust in the banking sector in Indonesia. Based on the legal framework stipulated in Law Number 10 of 1998 concerning Banking and Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (PPSK), this study highlights the obligation of banks to protect customer data, including exceptional situations regulated by law. Normative legal research is used to analyze legal principles, laws and regulations, and related literature. The principle of bank secrecy is considered a pillar of customer trust and the main capital in the financial ecosystem. However, challenges arise when this principle conflicts with the interests of law enforcement, such as criminal investigations. The regulations strengthened by the PPSK Law provide a foundation for customer data protection while also regulating administrative and criminal sanctions for violations. On the other hand, the application of this principle also contributes to financial stability by increasing literacy and compliance with regulations. This paper recommends harmonization between the protection of customer privacy rights and the effectiveness of law enforcement to maintain the sustainability of trust in the banking sector.

This study aims to analyze the marketing system of live pigs at Gokat Market, which is one of the centers of pig trade in Indonesia. This analysis includes marketing channels, factors that influence prices, and the relationship between demand and supply of live pigs. The method used in this study is descriptive with a qualitative approach, involving interviews with farmers, traders, and other related parties at Gokat Market. The results of the study indicate that marketing of live pigs involves several channels, ranging from small farmers, collectors, to large traders who sell to end consumers or slaughterhouses. The price of pigs is influenced by the quality of livestock, market demand, and economic conditions, as well as fluctuations in the price of animal feed. The demand for pork is highly dependent on seasonal factors and celebrations, while supply is influenced by the number of farmers and the health conditions of livestock. Regulations also affect market stability and livestock prices. This study concludes that marketing of live pigs at Gokat Market has complex dynamics, where various external and internal factors affect the smooth distribution and selling price of live pigs. Cooperation is needed between farmers, traders, and the government to create a more efficient and sustainable marketing system.    

Interpersonal communication plays a crucial role in building trust, collective identity, and a positive organizational culture. In organizations, trust serves as the primary foundation for creating a productive work environment, while collective identity and organizational culture shape internal direction and stability. This study aims to analyze the role of interpersonal communication in supporting these three elements. The research adopts a literature review method by examining various sources, including books, scholarly journals, and other relevant documents. The findings reveal that open, transparent, and effective interpersonal communication strengthens mutual trust, facilitates the formation of collective identity through social interactions, and fosters a harmonious organizational culture. Furthermore, interpersonal communication proves to be key in resolving conflicts constructively. This study highlights the importance of effective communication strategies to enhance interpersonal relationships within organizations and achieve shared goals.  

This study aims to examine economic growth during the Abbasid Caliphate and to identify Islamic economic principles that can be adapted to a modern context. Through this study, it is hoped that a more inclusive and equitable economic model can be found. This research employs a literature review method, gathering data from various sources, including historical texts, scientific articles, and economic reports. This approach enables the researchers to comprehensively explore the economic dynamics of the Abbasid era.The study reveals that during the Abbasid period, economic growth was achieved through innovative policies, such as infrastructure development and transparent financial management via the Baitul Mal. The trade sector expanded rapidly with Baghdad as a global trade hub, while fair taxation policies and support for knowledge advancement further strengthened economic stability. The application of Islamic principles, such as social justice and wealth distribution, played a crucial role in creating an inclusive and sustainable economy.

Exchange rate stability is an important indicator in maintaining the balance of a country's economy, especially in facing global market dynamics. This research aims to analyze the effectiveness of sharia monetary policy instruments in maintaining exchange rate stability, with a focus on the principles of justice, transparency and stability which are the basis of the Islamic economic system. Instruments such as sukuk, mudarabah contracts, and ijarah are analyzed from theoretical and empirical perspectives to measure their impact on exchange rate fluctuations. This study uses a qualitative approach with analysis of secondary data obtained from various economic reports, scientific journals and related statistical data. The research results show that sharia monetary policy has significant potential in mitigating exchange rate volatility through stable liquidity management and a system free from speculation. Consistent implementation of sharia principles can also increase market confidence in the domestic currency. Furthermore, this research finds that integration between sharia monetary policy and conventional approaches can create synergy in maintaining exchange rate stability. This collaboration allows the monetary authority to be more flexible in responding to global economic challenges without abandoning sharia principles. Apart from that, educating market players regarding the benefits of sharia monetary policy is considered important to expand the adoption of this instrument. This study concludes that the successful implementation of sharia monetary policy is highly dependent on the commitment of the government and regulators in providing a conducive ecosystem, including financial infrastructure, strengthening regulations, and integrated policy support. This research provides theoretical and practical contributions in the development of sharia-based monetary policy in countries with dual economic systems.

This article analyzes the role of Islamic banks in supporting monetary policy in Indonesia and its impact on national economic stability. Using library research methods, this research examines relevant literature regarding the development of the sharia banking sector and sharia-based monetary instruments. The research results show that Islamic banks make a significant contribution to stabilizing inflation, increasing financial access, and managing liquidity through instruments such as the Bank Indonesia Sharia Certificate (SBIS) and the sharia interbank money market. In addition, Islamic banks play a role in providing financing for micro, small and medium enterprises (MSMEs), which is important for inclusive economic growth. Nevertheless, challenges such as low sharia financial literacy and limited policy instruments need to be overcome to maximize the contribution of sharia banks to monetary policy. This research is expected to provide in-depth insight into the potential and challenges faced by Islamic banks in supporting the stability of the Indonesian economy.

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

This study aims to determine the effect of fintech, the amount of money in circulation, interest rates and economic growth on the analysis of digital economic trends on monetary policy in Indonesia. There are four variables in this study, namely fintech, the amount of money in circulation, interest rates and economic growth. The analysis method used is Vector Autoregression with the Impluse Response Function test or abbreviated as IRF and the Forecast Error Variance Decomposition test commonly abbreviated as FEVD, stationarity test, cointegration test, lag structure stability test and optimal lag length test. There is a contribution from each variable to the variable itself and other variables, according to the results of the Vector Autoregression study with a lag basis of 2. In addition, the results of the Vector Autoregression analysis show that the past variable (t-1) contributes to the current variable both to the variable itself and to other variables. The results of the analysis show that there is a reciprocal relationship between the variables. By using response function analysis, we can see if there is a response from other variables to changes in one variable in the short, medium, or long term. In addition, we know that the stability of all variables is formed in the short, medium, and long term. According to the Variance Decomposition Analysis, factors such as Fintech and Money Supply contribute the most to the variable itself. However, other variables that have the greatest influence on the variable itself and are supported by other variables in the short, medium, and long term are economic growth and interest rates are most influenced by Fintech.

The maritime conflict between Indonesia and China in the South China Sea arises from overlapping claims, particularly concerning Indonesia’s Exclusive Economic Zone (EEZ) near the Natuna Islands. China’s assertion of sovereignty through its Nine-Dash Line, which Indonesia does not recognize under the 1982 United Nations Convention on the Law of the Sea (UNCLOS), has fueled tensions. These have been exacerbated by aggressive actions, including Chinese vessels' incursions and illegal fishing within Indonesia’s EEZ. Despite these conflicts, both nations emphasize maritime cooperation to enhance bilateral ties.This study examines the dynamics of Indonesia-China maritime cooperation and conflicts in the South China Sea and their implications for regional stability. Employing a literature-based methodology, it investigates challenges and potential resolutions, including diplomacy and third-party mediation through bodies like the International Court of Justice. The findings highlight that resolving disputes effectively requires a legal framework and multilateral collaboration through ASEAN. The study concludes with recommendations for bolstering diplomatic engagement and sustainably managing maritime resources to ensure stability across the Indo-Pacific region.