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Pegadaian Syariah plays an important role in strengthening the people's economy through the provision of financial services in accordance with Sharia principles. This study aims to analyze the pricing and distribution strategies of Pegadaian Syariah products and their impact on the economic growth of the community. The research method uses a qualitative approach based on literature studies and secondary data analysis. The results of the study show that Pegadaian's Sharia pricing strategy pays attention to the principles of justice and affordability, while product distribution is carried out through service digitalization, expansion of branch office networks, and strategic partnerships. The use of these two strategies has proven effective in increasing the accessibility of Pegadaian Syariah services, accelerating financial inclusion, and encouraging the growth and empowerment of micro, small, and medium economies based on Sharia.  

Zakat is one of the pillars of Islam that must be carried out by Muslims who have met certain requirements. Zakat management is very important so that its distribution is right on target and can realize social justice. In the authentic hadith narrated by Imam Bukhari and Muslim, zakat is managed by amil who is responsible for distributing it to eight groups of recipients. In Indonesia, zakat management is also regulated in Law No. 23 of 2011. Articles 1, 2, and 5 of the law explain the definition of zakat, management principles, and authorized institutions. This article examines the conformity between the principles of zakat management in the hadith and the law, and how the two can support each other for effective zakat management in accordance with sharia.

This research aims to analyze the management of Islamic educational institutions from the perspective of educational management. Using the literature study method, this research examines various literatures related to strategic planning, organization, Islamic leadership, human resource management, and the implementation of holistic and integrated learning. The research results indicate that the management of Islamic educational institutions requires an integration between modern managerial principles and noble Islamic values, to create institutions that excel not only in academic aspects but also in character and moral development of students. Furthermore, the principles of accountability and transparency in supervision and evaluation are key factors in ensuring the sustainability and success of Islamic educational institutions. This research contributes to understanding the managerial concepts based on Islamic values in managing quality Islamic educational institutions.    

Competition within Indonesia's banking landscape, specifically at BSI KCP Purwokerto Karangkobar, necessitates flexible strategies to stay relevant. This research assesses how the utilization of SERVO (Strategy, Environment, Resources, Value, Organization) analysis impacts the performance of the firm. Employing qualitative descriptive techniques, information was gathered through comprehensive interviews, observations, and document reviews. Results reveal that strategies focusing on digital advancement, community engagement, and operational effectiveness are vital components. Cooperation among departments, particularly between gold services and microfinance, fosters social bonds and enhances transparency. The teller and security teams uphold service excellence through the consistent application of Standard Operating Procedures. The SERVO framework has shown to be effective in merging digital advancements with sharia principles within company operations, which enhances customer satisfaction and boosts competitiveness. Proactive modifications in response to evolving customer demands are essential for enhancing institutional effectiveness.

This study aims to analyze the competitive advantage strategy of Islamic Banks using the Porter's Five Forces approach, which is used to understand the competitive position of Islamic Banks in facing the dynamics of the financial industry that continues to grow. This study includes qualitative research methods with the approach of Field research and Library research, which are supported by interviews or observations as the main data collection techniques. The results of the study indicate that the Threat of New Entrants BSI Karang Kobar is aware of the threat of new entrants and faces internal challenges, especially in the marketing aspect which is still low. Customer strength is shown through the influence of satisfaction with products and employee behavior on loyalty, especially on flagship products such as KPR, gold installments, and micro financing. Supplier strength shows that there is a great opportunity for suppliers to establish partnerships with Islamic financial institutions. The threat of substitute products has not been found directly, but digital transformation to the Byond By BSI platform is a concern. In industrial competition, BSI Karang Kobar admits that it still faces challenges, such as limited economies of scale compared to conventional banks. Thus, the application of sharia principles in the formulation of business strategies allows Islamic banks to build customer loyalty and create sustainable competitive advantages. Porter's Five Forces approach has proven to be relevant and effective in helping Islamic banks formulate adaptive and valuable strategies in facing competition in the modern financial industry.

This study aims to analyze the legal protection of customers within the Islamic banking system in Indonesia, both normatively and practically. In Islamic economic principles, customer protection is not merely a legal obligation, but a moral and religious responsibility rooted in the values of maqāṣid al-sharī‘ah, particularly in ensuring justice (al-‘adl), trust (tsiqah), and protection of wealth (ḥifẓ al-māl). This research applies a qualitative-descriptive approach through literature review and normative juridical analysis of statutory regulations, DSN-MUI fatwas, and relevant Islamic legal doctrines. The findings indicate that although legal frameworks such as Law No. 21 of 2008, DSN-MUI fatwas, and OJK regulations offer a substantial basis for customer protection, implementation faces several challenges. These include information asymmetry between banks and customers, low Islamic financial literacy, insufficient monitoring of standard contracts, and limited access to Sharia-based dispute resolution mechanisms. Therefore, the study recommends reformulating contract structures, strengthening the role of the Sharia Supervisory Board (DPS), and enhancing public education regarding their rights as Islamic banking customers. Legal protection must be both formally legal and ethically grounded in Islamic justice.

This study employs a qualitative method with a literature review approach to examine how the optimization of marketing skills contributes to enhancing customer loyalty in Islamic banking. Based on a review of various national journals and theoretical references, it was found that personal selling skills, interpersonal communication, understanding of sharia-compliant products, and the ability to build long-term relationships with customers play a significant role in maintaining loyalty. Amidst the competition between digital and conventional banking, Islamic banks are required to prioritize service values aligned with sharia principles and optimize human resource capabilities in delivering educational, solution-oriented, and consistent approaches. Effective marketing skills not only create a positive customer experience but also enhance trust in Islamic financial institutions.

This study examines the development of Christological understanding in various cultural, historical and social contexts. Christology, as the study of the person and work of Jesus Christ, is central to the Christian faith and influences mission and religious practice. This study analyzes the basic understanding of Christology, its relationship to mission, its role in cultural contexts, and its development from the first Christian generation to contemporary life. Christological challenges identified include the tension between Jesus' humanity and divinity, and the contextualization of Christ's teachings in a pluralistic society. The findings show that a comprehensive christological understanding can bridge cultural differences and enrich interfaith dialog. The study also underscores the importance of applying Christological principles in daily life to create positive social impact and strengthen mission commitments.

In order to meet the difficulties of digital transformation and contemporary market dynamics, organizational innovation is essential.  The main concerns of organizational innovation are discussed in this article, along with obstacles such a lack of digital skills, high implementation costs, change aversion, and inflexible company culture.  A literature review using a qualitative methodology is the research strategy employed to examine sources pertaining to innovation, drivers, and inhibitors.  The findings demonstrate that technological integration, flexible leadership, a positive company culture, and efficient human resource management (HRM) procedures are all necessary for innovation to succeed.  Islamic principles like accountability (amanah), consistency (istiqamah), and honesty (shiddiq) also support the innovation culture. According to the article's conclusion, responsive HRM, adaptive culture, and controlled innovation can all help organizations become more resilient and competitive in the digital age.    

This study aims to examine the implementation of management psychology in effective school management, highlighting the importance of psychological approaches in supporting teacher performance, educational staff welfare, and student engagement. Using a literature study method, data were collected from various academic sources in the last five years and analyzed descriptively-qualitatively to identify concepts, strategies, and the impact of management psychology in educational environments. The results of the study indicate that the application of management psychology principles such as democratic leadership, empathetic communication, and motivational reinforcement can create a conducive work climate, improve teacher performance, and support the effectiveness of overall school management. By understanding the psychological dynamics of individuals in schools, educational institutions can be more adaptive in facing challenges and creating a productive and holistic learning environment.

This study examines the relationship between the hadith of H.R. Tirmidzi No. 1232 concerning the prohibition of selling goods that are not yet owned with Article 4 Paragraph (1) of Law No. 21/2008 concerning the intermediary function of Islamic banking in Indonesia. With a descriptive-analytical approach with a juridical-normative method, this study reveals significant gaps in the implementation of regulations. While the hadith provides theological guidelines that require actual ownership before the contract, the fragmented regulatory framework results in inconsistent interpretations by the Sharia Supervisory Board in various institutions. Analysis of SINTA indexed journals shows that many Islamic banking products still contain elements of gharar (uncertainty), especially in murabahah contracts with installment payments. This study identifies three main issues: the limited explicit regulation in the DSN-MUI fatwa regarding hybrid contracts, structural challenges in Indonesia's decentralized regulatory approach compared to Malaysia's centralized model, and the gap between theoretical discourse and practical implementation. To strengthen the synergy between religious principles and regulatory mandates, this study recommends harmonization of the regulatory framework, implementation of intensive training for supervisory boards on the contextual background of related hadiths, and development of integrated compliance audits to assess product consistency with hadith guidance and legal requirements.    

Shodaqoh in the perspective of Islamic law is a noble act that contains social and spiritual values. In this study, shodaqoh is understood as a gift made sincerely to help others, either in the form of wealth, energy, or attention and without any reward. In the review of Islamic law, shodaqoh is classified into four categories, namely obligatory, sunnah, makruh, and haram. Obligatory shodaqoh applies under certain conditions, such as the obligation to pay zakat or provide assistance to those in dire need. Meanwhile, sunnah shodaqoh is recommended as a form of voluntary kindness, and makruh and haram shodaqoh are related to certain circumstances, such as bad intentions or non-halal sources of wealth. This research uses a normative method with a literature approach, which aims to examine the arguments from the Qur'an and Hadith as well as the views of scholars regarding the principles of shodaqoh management in accordance with Islamic law.

This study analyzes the comparison of peer-to-peer (P2P) lending contract law in the perspective of positive law and Islamic law. Major problems in the industry include the risk of default, contract defects, and a lack of transparency. The research method used is literature research. The results show that positive laws provide a framework for consumer protection, but are often inadequate in protecting vulnerable parties. On the other hand, Islamic law emphasizes justice and the prohibition of usury, although the practice in the field is not yet fully appropriate. The study recommends collaboration between regulators and service providers to create a fair and law-abiding system. This is expected to contribute to the development of P2P lending policies and practices that are more sustainable and in accordance with sharia principles.

This scientific paper examines various types of contracts and products in Islamic banking based on the principles of Islamic law. Islamic banks have a mission not only as financial intermediary institutions, but also as drivers of the values ​​of social justice, transparency, and blessings. This study aims to examine the implementation of Islamic contracts such as mudharabah, musyarakah, murabahah, ijarah, wakalah, and product development based on the principles of tabarru' and tijarah. The methods used are literature studies and descriptive analysis of DSN-MUI fatwas, OJK regulations, and empirical practices of Islamic banking in Indonesia. The results of the study indicate that although the implementation of contracts has referred to Islamic principles, there are still legal challenges, such as dualism of the legal system, disharmony of fatwas, and limited human resources. Therefore, synchronization of regulations and strengthening of Islamic literacy are needed to ensure sustainable Islamic compliance.

The abstract of this journal explains that Islamic banks operate based on Islamic sharia principles that do not recognize the interest system (riba), and instead prioritize the principles of justice, partnership, and profit sharing. Islamic banks were established as an alternative for people who want a financial system that is in accordance with sharia. In this system, financial transactions must be free from elements of usury, gharar (uncertainty), and maisir (gambling), and prioritize honesty and transparency.

Human Resource Management involves the study of overseeing the interactions and responsiibilities of employees to ensure effectiveness and efficiency in reaching the organization’s objectives or vision. In the concept of sharia, Human Resource Management uses Islamic principles, namely the principle of trust, the principle of syirkah, the principle of cooperation in goodness, the principle of social responsibility, the principle of joint ownership, the principle of economic distribution, and the principle of justice. The creation of fair Sharia Human Resource Management in the work environment, it is necessary to pay attention to employee performance, work environment, organizational culture, and organizational justice. The author in this study aims to analyze the role of sharia human resource management in creating an equitable work environment. The method used by the author is literature review by involving 29  data sources that are in accordance with the research topic. The results of this study indicate that sharia principles in economic activities, especially in Human Resource Management can create justice in the work environment. Employees as Human Resources are a central and important sector because they will support the achievement of the company's vision, so employee performance, work environment, organizational culture, and fairness to employees must be considered and become a priority for the company. The conclusion of this research is that Sharia Human Resources with principles that prioritize truthfulness, trustworthiness, and so on can support the occurrence of a fair work environment.

Using an integrated approach to education, social studies learning is essential to producing a generation with character. This method not only aims to acquire academic knowledge, but also to instil character principles that are important in everyday life. Students gain an understanding of principles such as justice and democracy through social studies learning, which are highly relevant in the context of social society. Character education and social context are linked to improve students' critical thinking skills. One of the goals of the social studies curriculum transformation is for students to internalise the principles taught into their daily lives. Social studies learning can be useful for building strong character for the younger generation to face future challenges.

The abstract in this document emphasizes that good corporate governance (GCG) is very important in managing Islamic banking to be in line with Islamic principles. This article discusses the implementation of GCG in the context of Indonesian Islamic banking, especially in maintaining a balance between stakeholder interests and Islamic obligations. Emphasis is given to the role of the Sharia Supervisory Board (SSB), the importance of transparency, accountability, and a risk management system that is in accordance with Islamic principles.

With increasing global competition and rapid technological advancements, sharia businesses face the challenge of achieving sustainability while maintaining a competitive advantage in accordance with Islamic principles. This study aims to examine how the application of strategic management in sharia businesses can support sustainability and market differentiation based on ethical values. The research method used in this study is a literature review, analyzing various academic sources related to business strategy, sustainability, and Islamic economic principles. The findings indicate that effective strategic management, when properly implemented through the processes of formulation, execution, and evaluation, can help business practitioners adapt to changes in both the internal and external environments. In sharia businesses, strategies should be rooted in values such as honesty, trustworthiness, and social responsibility. These values not only serve as moral guidelines but can also enhance customer loyalty and provide a competitive edge. Furthermore, the adoption of digital technology and promotional strategies aligned with Islamic values has been shown to broaden market reach and improve operational efficiency. SWOT analysis is also employed as a tool to inform relevant and strategic decision-making. Therefore, the application of strategic management in accordance with Islamic values can effectively create businesses that are not only competitive but also sustainable and beneficial to society.

This study aims to examine the contribution of Islamic education management in enhancing organizational effectiveness through the application of sharia-based values. Using a qualitative approach and content analysis method, this research explores the benefits, challenges, and implementation strategies of Islamic educational management through a systematic literature review. The findings indicate that Islamic education management plays a key role in efficiently managing educational resources, grounded in the Qur’an, the Sunnah, and national regulations. Core principles such as efficiency, ethics, and da'wah mission are essential in its practice. Furthermore, this management contributes to strengthening the social and spiritual capital of educational institutions. These results are expected to provide both theoretical and practical contributions to the development of Islamic education institutions that are relevant and adaptable to current dynamics.