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Conceptual understanding of riba and its influence in Islamic economics is an important subject in the context of Islamic finance. This research highlights the conceptual understanding of riba and its implications from the perspective of Islamic economics. Through a literature review approach, this article explores various views and arguments related to riba in Islam and Islamic economics. The analysis in this article underscores the need for a deep understanding of riba in the context of Islamic economics. Through this approach, policies can be formulated to promote principles of justice, equality, and sustainability in the Islamic financial system. Practical implications include profit-sharing systems such as mudharabah and musyarakah being used to replace riba practices, ensuring fairness and equality among parties involved in transactions. Additionally, a deeper understanding of Sharia economics and strict supervision of riba practices in the financial sector are crucial to assist individuals and institutions in managing finances in accordance with Islamic law. In conclusion, the conceptual understanding of riba and its influence from the perspective of Islamic economics is an important aspect in building a financial system that aligns with Islamic principles. By understanding the implications of riba, society can take more sustainable and equitable steps in developing Sharia-based economies.

This research aims to determine the influence of price, brand awareness and product quality on interest in buying Gambir tea (Pakpak Bharat Regency case study) either partially or simultaneously. The discussion in this research is related to marketing management. In this regard, the method used in this research is a quantitative method. The number of samples in this study was 97 people using the Chocran formula. The data collection techniques used are observation, documentation and questionnaires. The results of the partial research show that there is a negative and significant influence of price on interest in buying Gambir Tea with a calculated price t value of -8,530 > t table 1.666 with a significant value of 0.000 <0.05, so Ho1 is rejected and Ha1 is accepted. There is no influence of Brand Awareness on interest in buying Gambir Tea, with the calculated t value for the Brand Awareness variable 650 t table 1.666 with a significant value of 0.517 above 0.05, so Ho2 is accepted and Ha2 is rejected. There is a positive and significant influence of Product Quality on interest in buying Gambir Tea with a t value of 6.343 and an r table of 1.666, so Ho3 is rejected and Ha3 is accepted. So it can be concluded simultaneously that Price, Brand Awareness and Product Quality influence buying interest in Gambir Tea.

The marketing process in Islamic economics must be implemented correctly, and in accordance with sharia principles. In distributing products, it must be evenly distributed so that all people can enjoy the product. This research is about e-marketing analysis in increasing sales on shopping applications. The purpose of this research is to find out how marketing strategies increase sales on the Belanjo application. This type of research is descriptive qualitative with primary and secondary data types. The data collection technique in this research uses observation, interview and documentation techniques.The research results show the marketing mix strategy implemented by Belanjo to increase sales, including product availability, price, promotion and place. Supporting and inhibiting factors for the marketing mix strategy implemented by Belanjo in increasing sales, including supporting, conducting socialization and collaboration and increasing employee skills and knowledge. obstacles, low consumer buying interest and the marketing area for chips is still limited. Marketing mix strategies viewed from an Islamic Economics Perspective include: Always decorating charity with the intention of worship and sincerity. Transparency, and the goods are halal and not harmful. Carrying out honest distribution methods, not reducing size, standards, quality and scales fraudulently. Being responsible for the goods received. distributed fairly, and not doing things that are prohibited in Islam. Please help, tolerate and give alms. Never neglect worship because of distribution activities. Ikhtikar is prohibited because it will cause price increases. Seek reasonable profits. Widespread distribution of wealth. Social equality. 

The importance of knowledge about operational risks for umkm partners in order to be able to control or handle the risks that must be handled and be able to solve the problems being faced, so this research aims (1) to find out the identification of operational risks in the process of making Sanah shrimp crackers in West Tanjung Jabung district ( 2) to find out the operational risk analysis of the process of making Sanah shrimp crackers in West Tanjung Jabung district, (3) to find out the efforts made by umkm actors to overcome operational risks. This research uses qualitative methods in this research using data sources obtained from the owner of the Sanah shrimp cracker business and the Sanah shrimp cracker employees. The results of this research are: In identifying operational risks, there are four types of risks as follows: human resource risks include risks of events such as unsuccessful steaming, unsuccessful cutting of crackers, long frying of crackers, failed packaging and inadequate training. Technological risks include inappropriate machines and packaging equipment that does not function properly. As well as process risks, there are risks from raw materials that do not match the dosage. And external risks include risks such as unstable raw materials and uncertain weather factors. The risk analysis that occurs in Sanah shrimp crackers has a risk level of high, medium and low. As for the aspects included in the high category, there are three risks, namely inadequate training, inappropriate packaging equipment and raw materials that do not match the measurements. And there are also medium level operational risks including unsuccessful steaming, frying for too long, inappropriate machines, unstable raw materials, weather factors that result in long drying. And there are also two levels of low risk, namely cutting crackers, failed packaging. Efforts to overcome operational risks that occur in the Sanah shrimp cracker business include requiring or providing training to employees about managing shrimp crackers and employees also need to have self-awareness to be more skilled and more thorough.

In general, many people choose to save and borrow money from financial institutions other than sharia banks, such as conventional banks and general cooperatives. In fact, conventional banks are known to adhere to an interest system which according to scholars is prohibited because interest is considered usury. Factors that can influence interest in saving at Islamic banks are knowledge, promotions and location. A person's knowledge about Islamic banks will influence customer interest, each bank tries to promote all the products and services it has, and the location of Islamic banks has easy assets. The aim of this research is to determine the influence of knowledge, promotion and location on the interest of the people of Pandan Jaya subdistrict, Tanjung Jabung Timur district to save in sharia banks. The type of research used in this research is quantitative descriptive research. The sample was selected using Accidental Sampling and the Slovin formula to obtain 98 respondents. The data analysis used is Multiple Linear Regression Analysis. The results of the research concluded that partially the variables knowledge, promotion and location had an influence on interest in saving at Sharia Banks in Pandan Jaya Village, East Tanjung Jabung Regency. Simultaneously, the variables of knowledge, promotion and location influence interest in saving at Sharia Banks in Pandan Jaya Village, East Tanjung Jabung Regency. Based on the coefficient of determination, it indicates that knowledge, promotion and location can influence interest in saving at Sharia Banks by 77.4%. It is hoped that people, especially Muslims, can save in sharia banks considering that sharia banks have used sharia principles in accordance with Islamic recommendations, sharia banks can increase people's interest in saving using Sharia Bank services by considering research variables, namely increasing knowledge, promotion and location, and further research can add other variables which are also thought to influence interest in saving at Sharia Banks.

The implementation of the Murabahah agreement at Bank Syariah Indonesia (BSI) KCP Medan Sukaramai is the focus of this research. The aim of the research is to analyze the process of implementing the Murabahah contract, identify the obstacles faced, and initiate efforts to overcome these obstacles. The research method used is a qualitative descriptive method with data collection techniques through in-depth interviews. Respondents consisted of bank managers, bank employees and customers involved in transactions using Murabahah contracts. Data analysis was carried out taking into account relevant sharia principles. The research results show that the implementation of the Murabahah contract at BSI KCP Medan Sukaramai has been carried out carefully and structured in accordance with sharia principles. However, the obstacles faced include a lack of customer understanding of sharia principles as well as differences in understanding between customers and bank officers. Efforts made by banks to overcome these obstacles include increasing education for customers and regular training for bank officers. This research contributes to the understanding of Murabahah contract practices in the sharia banking sector, as well as offering recommendations for banks to increase the effectiveness and efficiency of implementing Murabahah contracts. In addition, it is hoped that this research can provide customers with a better understanding of sharia principles in financial transactions.

One  of  the   fundamental  analysis  that  usually  used  by  investors  and security analize to value the stock price is by price earning ratio(PER) approach. This research have as a purpose to examine influence factors DPR, DER, NPM, Firm Size, CR to PER. This study aims to examine the factors Dividend Payout Ratio (DPR), Debt to Equity Ratio (DER), Net Profit Margin (NPM), Firm Size, and Current Ratio (CR) of Price Earning Ratio (PER) on Manufacture companies listed in Indonesia Stock Exchange for 2010 - 2012. This  study  used  the  entire  population  of Manufacture  companies  listed  in Indonesia Stock Exchange (BEI) in 2010 until 2012, a total of 396 companies. The samples  using  48  companies  on  manufacturing  companies sector. Type of data is secondary data from each manufacturing companies listed on the Indonesia  Stock  Exchange  for three  years  in 2010, 2011, 2012.  The samples are taken by purposive sampling. Data analysis use multiple regression analysis, method  which  initial  by classical  test  for  normality,  multicollinearity test, heteroskedastisitas test and autocorrelation test. Hypothesis test is using the F tes, t test, and koefisien determinasi R2. In  the  classical  assumption  test  results  showed  that  there  were  no  deviations classical assumption, this shows that the available data has been qualified to use multiple linier  regression  model.  From  this  reseach  the  following  conclusion  :  the  DPR variable is positif and not effect on PER, variabel DER has negative and not effect on PER, NPM variable has negative and not effect on PER, Size  variable  has positive  and effect  on  PER,  and CR variable  has positif and  not effect on  PER.  Regression  equation  obtained  is PER =-4.196+0.074 DPR-0.596 DER-0.166 NPM + 0.961 Firm Size+0.245 CR. Coefficient  of determination  (adjusted  R2)  is 10 %  which  means 10 %  of  PER  is influenced  by  the independent  variables,  whereas  the  remaining  balance  of  90%  is  explained  by  other variable not prensented in the study.

Learning is the core of the educational process. In it there is interaction between various components, namely teachers, students and learning materials or learning resources. The interaction between these three main components involves facilities and infrastructure such as methods, media and the arrangement of the learning environment so as to create a learning process that allows the planned goals to be achieved. This research aims to determine the planning and implementation of Islamic Religious Education learning at Elementary School 1 Padang Panjang Barat. This type of research is qualitative research. With a descriptive qualitative method using data collection methods in the form of observation, interviews and documentation. Next, to test the validity of the data, researchers used triangulation techniques. Then, to analyze the data, researchers divided it into four components, including: data collection, data reduction, data presentation, and conclusions. The results of the research show that Islamic Religious Education Learning at Elementary School 1 Padang Panjang Before carrying out Islamic religious education learning, the teacher or educator begins by creating teaching modules and lesson boundaries. There are three learning activities carried out, namely: the teacher saying hello and prayer, student attendance and conveying the learning objectives for the preliminary activities, the teacher's core activity begins by explaining Islamic Religious Education material, and the final/closing activity begins with the students together making conclusions and the teacher giving questions and answers to the students one by one individually. random as material for evaluation and assessment of the learning of the meeting and ended with a joint prayer.  

Abstract. Implementation of management for Hajj pilgrimage registration at the Bukittinggi Ministry of Religion Office. The Hajj pilgrimage is a religious obligation for Muslims who meet the requirements. The Bukittinggi Ministry of Religion Office is responsible for providing the best service in organizing the Hajj. The main problem is a lack of understanding in the process of registration, payment and cancellation of the Hajj. The administrative process includes registration, payment and cancellation. Planning is carried out for services, guidance before, during and after the Hajj. The organization at the Bukittinggi Ministry of Religion Office has a clear structure for managing the registration process. Mobilization and supervision are also implemented to ensure effectiveness and efficiency in achieving goals. This research aims to determine the Management Implementation of Hajj Registration at the Bukittinggi Ministry of Religion Office. In this research the author used qualitative-descriptive research. The author uses data collection methods through observation, interviews, documentation. Based on the research results, it can be concluded that it shows that management implementation has resulted in significant improvements in the Hajj registration process, such as increasing efficiency, data accuracy and service to pilgrims. Findings also identify factors that support successful implementation, such as effective communication and strong managerial support, as well as challenges faced, such as limited resources and regulatory changes. In conclusion, the implementation of management in Hajj registration at the Bukittinggi Ministry of Religion Office has brought significant improvements and made a positive contribution to the efficiency and quality of services.

Abstract. Analysis of financial reports in banking aims to evaluate current and past financial positions. One of the analyses of financial reports at banks is profitability ratio analysis, and the aim of this research is to investigate the calculation, development, and analysis of profitability at PT. Bank Maybank Tbk during the 2019–2023 period. The research method used is a descriptive method with a quantitative approach. Data collection techniques involve field studies and literature studies. The data obtained is then analyzed by calculating the development of profitability.The research results show that PT. Bank Maybank Tbk has an average ROA value of 1.3% (>1.2%), an ROE value of 5.88% (between 5% and 12%), and  NIM value of 4.32% (>2%), so it can be said that PT. Bank Maybank Tbk is in good condition, which means PT. Bank Maybank Tbk can generate profits by utilizing its own capital efficiently.   Keywords: profitability ratio analysis, Bank Maybank   Abstrak. Analisis laporan keuangan pada perbankan bertujuan untuk mengevaluasi posisi keuangan pada saat ini dan masa lalu. Salah satu analisis laporan keuangan pada bank adalah analisis rasio rentabilitas yang dan tujuan dari penelitian ini adalah untuk menyelidiki perhitungan, perkembangan, dan analisis Rentabilitas pada PT. Bank Maybank Tbk selama periode 2019-2023. Metode penelitian yang digunakan adalah metode deskriptif dengan pendekatan kuantitatif. Teknik pengumpulan data melibatkan studi lapangan dan studi kepustakaan. Data yang diperoleh kemudian dianalisis dengan menghitung perkembangan Rentabilitas. Hasil penelitian menunjukkan PT. Bank Maybank Tbk memiliki nilai rata rata ROA sebesar 1,3% (>1,2%), nilai ROE 5,88% (diantara 5% - 12%), nilai NIM 4,32% (>2%) maka dapat dikatakan keuangan PT. Bank Maybank Tbk dalam keadaan baik, yang berarti PT. Bank Maybank Tbk dapat menghasilkan keuntungan dengan memanfaatkan modal sendiri secara efisien.   Kata Kunci : Analisis rasio rentabilitas, Bank Maybank

Bank Negara Indonesia (BNI) is one of the largest banks in Indonesia, which if you look at it has experienced significant development, especially in terms of assets and income, which are benchmarks for its financial performance. Financial ratio analysis, especially liquidity ratios, is an important part of measuring a bank's ability to pay short-term obligations. Liquidity ratios, such as Current Ratio, Cash Ratio, Loan to Deposit Ratio, and Loan to Asset Ratio, provide an overview of the bank's financial health. Through quantitative methods and research literature, we want to know how much Bank Negara Indonesia's liquidity ratio has developed from 2019 to 2023. From the analysis of this ratio, it can be concluded that Bank Negara Indonesia has quite good liquidity during the 2019 to 2013 period, which directly means that Bank Negara Indonesia has a good ability to pay its short-term obligations.

The Islamic Financial Sector (IFS) is a rapidly growing sector in the Islamic economy. IFS operates on Islamic law, so it must always adhere to Islam. IFS plays a crucial role in implementing Islamic principles aimed at helping society achieve prosperity, honesty, and fairness through a profit-sharing system. One of the key players in the Islamic financial sector is Islamic banking, which has a low credit risk, resulting in a sufficient margin for MSMEs. MSMEs, also known as Usaha Mikro Kecil dan Menengah (UMKM), are a type of productive business owned by individuals or corporations and regulated by Law No. 28 of 2008. UMKM has a significant role in Indonesia's economy. This potential is what motivates Islamic banks to facilitate the provision of loans to MSMEs. As time passes, Islamic banks have become capable of supporting MSMEs, which in turn attract MSMEs to conduct transactions at Islamic banks.

Financing can be interpreted as funding provided by one party to another party. Its function is to support investments that will or have been planned by the institution. Financing can also be interpreted as trust or trust. It means that the financing institution as sahib al-mal puts trust in someone to carry out the mandate given. All such costs must be used properly, fairly, and must be accompanied by clear terms and are responsible for all parties. Every Islamic financial institution has a philosophy of seeking the pleasure of Allah SWT. to acquire the virtues of the world and the hereafter. Therefore, any activities of financial institutions that are considered deviant from religious demands should be avoided. In the implementation of financing, Islamic banks must meet two most important aspects. First, the Shar'i aspect where in every realization of financing to customers must remain guided by Islamic Shari'a. Second, the economic aspect which still considers the profit generation for Islamic banks and for customers.

This research examines the employees of UKM Batik Lasem Sekar Mulyo, Rembang. This research aims to determine the influence of the role of core self-evaluation and empowering leadership on employee creativity through knowledge sharing. The research method in this research is a quantitative research method. The population in this study were all employees with a total of 95 employees who worked at UKM Batik Lasem Sekar Mulyo, Rembang, while the sample in this study was 95 respondents. Determining the sample size used a non-probability sampling technique because the population was relatively small, so the technique taken was saturated sampling (census). Data analysis in this research used the SmartPLS version 3 program. The data analysis technique used was the Structural Equation Modeling (SEM) equation model. The results of the analysis and discussion show that the quality perception variable influences Core Self-Evaluation and influences Employee Creativity, Empowering Leadership influences Employee Creativity, Core Self-Evaluation influences Knowledge Sharing, Empowering Leadership influences Knowledge Sharing, Knowledge sharing influences Employee Creativity, Core Self-Evaluation has an effect on Employee Creativity, partially mediated by Knowledge sharing, and Empowering Leadership has an effect on Employee Creativity in Employees of UKM Batik Lasem Sekar Mulyo, Rembang, which is partially mediated by Knowledge sharing.

The aim of this research is to analyze the influence of extrinsic motivation and intrinsic motivation on employee work performance: gender as a control variable. This research uses a quantitative method using a questionnaire with a sample size of 58 respondents or employees. The research results show that Extrinsic Motivation has a positive and significant influence on Intrinsic Motivation, Intrinsic Motivation has an influence on Job Performance, and Extrinsic Motivation has no influence on job performance. Keywords: Extrinsic Motivation, Intrinsic Motivation, Job Performance, Gender

Monetary policy is one of the crucial instruments in regulating the economy of a country. In conventional economics, monetary policy is implemented through mechanisms such as interest rates and open market operations. However, in Sharia-compliant economies, which are based on the prohibition of riba (interest), monetary policy must be executed using instruments that adhere to Sharia principles. This study adopts a literature review methodology, thus focusing on bibliographic materials by seeking relevant literature. The theoretical data utilized in this research is obtained from library literature and analyzed based on various references in this paper. By understanding the role and consequences of monetary policy in Sharia economics, it is hoped that new insights can be provided for the development and implementation of monetary policies that align with Sharia principles.

Berkembangnya usaha Kerupuk Barokah tersebut menjadikan informasi menjadi hal yang sangat penting peranannya dalam menunjang jalannya pemasaran kerupuk ini karena sebagian besar pemasarannya dilakukan dari mulut ke mulut. Melihat potensi yang dimiliki, maka pabrik kerupuk Barokah ini perlu penanganan yang tepat agar kedepannya dapat lebih berkembang dan mampu bersaing dengan usaha sejenis. Tujuan penelitian ini adalah untuk menganalisis kelayakan usaha pada Pabrik Kerupuk Barokah. Jenis penelitian ini menggunakan metode deskriptif kualitatif. Legalitas usaha ini masih belum lengkap, tetapi hal ini umum untuk usaha kecil. Aspek keuangan melibatkan biaya produksi, omset harus lebih tinggi dari biaya produksi agar mendapat keuntungan. Usaha ini memanfaatkan alat produksi, dan usaha ini dikelola oleh Bapak Sutrisno dan dibantu 5 karyawan. Adanya penelitian ini diharapkan dapat menyadarkan pemilik akan pentingnya legalitas hukum.

The cost of funds ratio is a matrix used to carry out analysis in financial reports to evaluate banking financial performance by connecting various factors that influence the cost of funds ratio. Financial ratio analysis is part of business analysis that assesses a company's prospects and risks. Cost of funds ratio analysis describes the relationship between the amount of money and the company's burden in managing these finances to increase profitability. Cost of funds ratio analysis method. Research was conducted to identify information related to cost of funds ratio analysis in banking. The research results show the significant impact of financial ratio analysis on the financial performance of banking companies in Indonesia. Suggestions include increasing LDR, reducing NPL, controlling operational costs, and improving customer service. It is also recommended that the banking industry be able to reduce the cost of funds ratio regularly to improve its financial performance.

Mengamati kehidupan manusia, khususnya kehidupan suku anak dalam dari lahir hingga terlibat dalam kehidupan, sangat menarik karena suku anak dalam hidup di lingkungan alam mereka. Kondisi ini sangat berbeda dengan yang ada, apalagi di kota. Studi ini melihat latar belakang suku anak, jenis aktivitas motorik, dan faktor pendukung dan penghambat. Penelitian dilaksanakan di pemukiman suku anak dalam, tepatnya di Desa Bukit Suban, Kecamatan Air Hitam, Kabupaten Sarolangun Jambi. Untuk mengumpulkan data, observasi, wawancara, dan dokumentasi digunakan. Model Spradley digunakan untuk menganalisis data kualitatif. Prilaku dan aktivitas gerak suku anak dalam untuk memenuhi kebutuhan hidupnya sangat berbeda dengan masyarakat umum. Orang tua atau kelompok mengajari motorik atau gerak bawaan mereka lebih banyak daripada yang mereka lakukan sendiri. Ini karena kebutuhan hidup dan kelangsungan hidup kelompok dipengaruhi. Hasil penelitian ditemukan bahwa: (1) Suku anak dalam yang ada di Desa Bukit Suban, Kecamatan Air Hitam merupakan keturunan dari tiga daerah yaitu Kerajaan  Pagaruyung (Minang Kabau); (2) Aktivitas motorik suku anak dalam meliputi bermain, berjalan, berlari, melompat, memanah, menembak dan memanjat untuk memenuhi kebutuhan hidupnya; (3) Hal-hal yang mengganggu perkembangan motoriknya, seperti pembukaan lahan yang tidak bertanggung jawab, komunikasi sosial yang tidak efektif dan kurangnya perhatian pemerintah (4) Suku anak dalam terus memegang adat istiadat dan kepercayaan mereka.

Muhammadiyah Vocational High School (SMK) 3 Pekanbaru city is an educational institution under the Muhammadiyah Business Charity (AUM) which equips its students with vocational training and Al-Islam Kemuhammadiyahan values. The problems faced are 1) Services to students are not yet supported by adequate facilities 2) Schools have limited internet access for students. Of the several problems that exist at the school, service is prioritized on the problem of limited computer facilities. The solution offered to schools to overcome some of these problems is to use the WPS office application as a learning alternative. This shows that WPS Office is effectively used as alternative learning for students at SMK Muhammadiyah 3 Pekanbaru