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PayLater services are becoming increasingly popular among the public, offering convenience and flexibility in meeting daily needs and lifestyle demands. However, uncontrolled use has the potential to cause financial problems that significantly impact both mental and physical health. This community service activity aims to increase the understanding of community leaders regarding healthy financial management and the health risks that may arise from a PayLater-based consumer lifestyle. The outreach program was conducted by KKM students from Bina Bangsa University Group 22 in Banjar Negara Village, Ciwandan District, Cilegon City, with 30 participants consisting of local RT and RW heads. Methods used included interactive lectures, discussions, and question-and-answer sessions that encouraged active participation and contextual sharing of experiences. The results of the activity showed an increase in participants’ awareness of the importance of financial literacy as an integral part of maintaining overall quality of life. Participants recognized that financial health is closely related to mental well-being, as excessive financial pressure can trigger stress, anxiety, and even chronic illnesses. The program also emphasized practical strategies such as budgeting, distinguishing needs from wants, and limiting PayLater use to essential needs only. It is expected that RT and RW heads who have participated can act as educational agents in their communities, spreading financial literacy and awareness of health risks. In the future, similar programs need to be expanded to other community groups, supported by digital media and cross-sector collaboration to create a financially independent and physically and mentally healthy society.

This community service activity was carried out in Sladi Village with the goal of improving the digital literacy of village officials through the utilization of Artificial Intelligence (AI) plugins in Microsoft Word and Excel. The main issue faced by the village officials was their limited ability to use digital technology, which resulted in administrative tasks being carried out manually and inefficiently. Therefore, this digital literacy training aimed to enhance the skills of village officials in utilizing digital tools, especially AI, to support their administrative work. The method used in this activity was Participatory Action Research (PAR), which involved the stages of diagnosing, action planning, action taking, evaluating, and specifying learning. Evaluation of the activity was conducted using Likert scale questionnaires and open-ended questions to collect feedback from participants regarding their understanding and responses to the training provided. Data analysis was carried out using SPSS to calculate the mean, standard deviation, and qualitative findings from the open-ended questions. The evaluation results showed that the benefits of the activity (mean = 4.2) and the intention to implement AI (mean = 4.2) received the highest scores, indicating that the participants found the training highly beneficial and were motivated to apply AI in their daily tasks. On the other hand, the understanding of AI in Excel (mean = 3.7) and the assessment of the material (mean = 3.7) showed that further in-depth learning was needed to improve participants' comprehension and skills. Overall, the activity successfully improved the skills of village officials and raised collective awareness to transition towards a more efficient and adaptive digital village administration. This training is expected to positively contribute to the digital transformation in the village.

This study focuses on improving digital literacy and formal Indonesian language proficiency among the Indonesian diaspora community in Kampung Baru, Kuala Lumpur, Malaysia. The community faces challenges in adapting to digital technology and maintaining linguistic and cultural identity, which limits their socio-economic participation and engagement in community activities. The objective of this research is to develop and implement a community-based program that enhances digital skills while promoting national language usage and cultural preservation. The program employed a participatory and interactive approach, including workshops, hands-on practice, mentoring, role-play, and storytelling, targeting 30 participants comprising youth, MSME actors, teachers, village officials, and housewives. Pre-test and post-test evaluations, direct observation, and interviews were used to assess the impact of the program. The results show significant improvements in digital literacy, with participants demonstrating enhanced skills in e-mail usage, document sharing, e-wallet applications, and digital security awareness, with post-test gains ranging from 40% to 45%. Likewise, proficiency in formal Indonesian language, public speaking, and cultural knowledge increased by 25% to 28%, reflecting both technical and cultural skill development. The findings indicate that community-based, participatory learning integrated with cultural reinforcement effectively bridges the digital divide and strengthens linguistic identity among diaspora communities. The study concludes that such a hybrid model not only empowers participants in digital and linguistic capacities but also promotes cultural sustainability and social cohesion, offering a scalable and replicable framework for similar communities.

In today’s digital era, the internet and social media have become an essential part of teenagers’ daily lives. Almost every day, they communicate, search for information, and share stories through various digital platforms. However, many are still unaware of how important it is to protect personal data and understand ethics when using social media. This lack of awareness often leads to problems, ranging from account misuse, the spread of hoaxes, to cases of online bullying that can harm many people.To address this issue, a training program was specifically designed for junior high school students to equip them with safe and responsible digital skills. The training not only provided theoretical explanations but also included real case simulations and hands-on practice so students could easily understand and apply the lessons. The materials covered simple ways to protect accounts, recognize signs of hoax news, and build healthy and positive interactions in the digital space.The results of the training showed that students became more aware of the importance of protecting privacy, more cautious before sharing information, and more respectful of ethics in every digital interaction. With a fun and practical approach, this program has proven effective in improving students’ digital literacy and fostering wise attitudes in using social media. In the future, such training is expected to be continuously implemented in schools as an effort to build a safer, healthier, and more cultured digital ecosystem

The process of managing, creating, or organizing something in the best way to achieve the best or ideal results is called optimization. Optimization aims to maximize or minimize certain values ​​to produce effective, successful results consistent with desired goals. You can communicate and interact with people you've never met in person using social media sites like Facebook. Online friendships can even be formed. Social media platforms like Facebook. Social media should be used with caution because almost everyone uses it. Facebook can be used for entertainment, education, promotion, and information sharing, all of which can be beneficial if done correctly. Everyone who uses Facebook should be aware of communication ethics, maintain their privacy, and refrain from sharing offensive content to maintain the security and usability of the platform. The implementation involves socialization methods and question-and-answer sessions with mothers at a social gathering. April 15, 2025. This activity took place at a resident's home. In addition to providing optimization training, the activity also aimed to improve communication between the village head and residents through the active involvement of participants. The goal was also to create a positive discussion atmosphere to improve community well-being and foster a stronger sense of togetherness and trust for future village growth. This will allow for identification of existing communication barriers and collaborative work to find solutions.

This study aims to analyze the main challenges in managing Community-Based Tourism (CBT) and develop a sustainable management model for Cemagi Tourism Village, Badung, Bali. This study uses a qualitative approach by combining primary and secondary data. Primary data were obtained through field observations, in-depth interviews, and Focus Group Discussions (FGDs), while secondary data were obtained from literature studies and related documents. The analysis was conducted using the SWOT method and qualitative descriptive methods to describe the actual conditions and opportunities for tourism village development. The results show that tourism village management still faces several challenges, particularly in the aspects of promotion and preservation. Collaboration with various stakeholders is necessary, particularly in utilizing social media as an effective promotional tool. In addition, the preservation of local nature and culture is key to sustainable tourism. The proposed management model places the village government and traditional villages as mentors, Village-Owned Enterprises (BUMDes) and Tourism Awareness Groups (Pokdarwis) as managers, and the community as active actors in every stage of development. The model refers to the POAC (Planning, Organizing, Actuating, Controlling) management theory, taking into account three aspects of sustainability. First, the economic aspect, through increasing village income, creating jobs, and equitable profit sharing through the Village-Owned Enterprise (BUMDes). Second, the socio-cultural aspect, realized through preserving cultural heritage, improving the quality of human resources through tourism training, and strengthening the role of traditional arts. Third, the environmental aspect, with a focus on preserving subak (village-owned enterprises) and green spaces, managing waste using the 3Rs (reduce, reuse, recycle), and nature conservation. Thus, sustainable tourism management requires strong collaboration, cultural preservation, and environmental awareness to ensure long-term benefits for local communities.  

This qualitative research investigates the critical factors inhibiting ship arrival efficiency and their impact on shipping agency performance at PT. Berkah Tata Baruna Banten Branch. Through comprehensive interviews with maritime professionals, port operators, and agency management, the study examines three primary variables: pilot tugboat services, cargo loading-unloading productivity, and document processing efficiency. Utilizing thematic analysis and narrative synthesis, findings reveal significant operational integration challenges that directly affect agency performance metrics. The research demonstrates that synchronized maritime service delivery substantially influences stakeholder satisfaction and business sustainability. Results indicate that technological integration barriers, communication gaps, and human resource development needs constitute primary obstacles to optimal port performance. Beyond identifying constraints, the study highlights how fragmented coordination between service providers creates inefficiencies that extend vessel turnaround times and increase operational costs. Respondents emphasized that transparent communication channels, standardized documentation procedures, and adequate training programs are essential to building resilient port systems. Moreover, the research shows that investment in digital platforms for real-time data sharing could accelerate clearance processes, while workforce development initiatives would ensure higher service reliability. The study contributes theoretically by developing frameworks of integrated maritime service performance and practically by offering policy-oriented recommendations to strengthen agency competitiveness. Overall, the findings provide valuable insights for stakeholders seeking to enhance Indonesia’s maritime logistics capacity, aligning operational improvements with the nation’s broader economic and global shipping ambitions.

Digital technology has significantly shifted communication patterns among the residents of RT 02 RW 08 Bangetayu, transitioning from traditional face-to-face interactions to digital spaces, particularly through Facebook groups. This study employs a qualitative method, utilizing observation, in-depth interviews with nine informants, and digital content analysis to explore this transformation. The findings show that, while direct communication still exists, digital interactions have become dominant due to their speed, expressive freedom, and coordination efficiency. This shift is largely driven by increased accessibility to digital platforms, the rise of digital culture, and the comfort of communicating without facing traditional social barriers. Residents are more inclined to engage online as it provides a sense of convenience and a platform for sharing opinions freely. However, the study also highlights a paradox where online participation has surged, while face-to-face conversations have declined, leading to challenges in maintaining social cohesion within the community. The study suggests that while digital communication offers many advantages, it is essential to find a balance between online and offline interactions to preserve the strong community ties that are fostered through personal, direct engagement. The implications of this research call for efforts to promote a hybrid communication model that integrates both digital and face-to-face interactions for the benefit of community building and social harmony

This research investigates the integration of renewable energy systems within coastal conservation areas through public-private partnership (PPP) frameworks to achieve dual objectives of environmental sustainability and economic development. The study addresses the critical challenge of balancing energy infrastructure development with ecological preservation in sensitive coastal ecosystems, where biodiversity and community livelihoods are often at risk due to increasing industrial and urban pressures. A mixed-methods approach is employed, combining case study analysis, stakeholder interviews, and economic modeling, to generate a comprehensive perspective on the opportunities and constraints of renewable energy deployment in these regions. Case studies highlight successful international practices of PPPs that have facilitated renewable energy projects while safeguarding marine and coastal ecosystems. Stakeholder interviews with government agencies, local communities, and private sector representatives reveal the importance of transparent governance, shared responsibility, and inclusive participation in ensuring long-term project sustainability. Economic modeling further demonstrates that well-structured PPP models can reduce implementation costs by 30–40% while adhering to biodiversity conservation standards and regulatory frameworks. Findings underscore that renewable energy projects, when embedded within collaborative governance structures, not only contribute to reducing carbon emissions but also create employment opportunities, stimulate local economies, and enhance community resilience. This study contributes to the sustainable development literature by providing an actionable framework for integrating renewable energy infrastructure in environmentally sensitive areas through PPPs. The proposed framework emphasizes adaptive policy design, capacity building, and equitable benefit-sharing, offering practical insights for policymakers, practitioners, and researchers seeking to reconcile energy needs with ecological protection in coastal regions.

This study aims to determine the forms of interaction, participation, and motivation of Indonesian NCTzens in the boycott campaign of pro-Israel products through the @nctzenhumanity account on social media X. This study uses Henry Jenkins' theory of participatory culture and the concept of digital activism as the basis of analysis. The data for this study were obtained through semi-structured interviews with informants directly involved in the campaign, observations of campaign content, and digital documentation from the @nctzenhumanity account and related articles. Data validation techniques were carried out by triangulating sources to ensure the accuracy and consistency of the information obtained. The results showed that NCTzen interactions in the boycott campaign occurred through various activities, such as discussions, providing positive affirmations, and exchanging information that formed a virtual community. Their participation included digital actions such as retweets, raising hashtags, content creation, and sharing information that raised awareness about the boycott issue. In addition, real support was also given in the form of donations and boycotts of products originating from pro-Israel companies. Motivation for participation was driven by educational, moral, spiritual, emotional values, and fandom solidarity towards humanitarian issues. This campaign reflects the practice of participatory culture in fandom digital activism, where fandom transforms into an active social actor in the struggle for humanitarian issues through digital media.

The rapid advancement of digital collaboration platforms has reshaped the way organizations manage communication, motivation, and performance. Microsoft Teams, as one of the most widely adopted tools, provides integrated features for real-time messaging, virtual meetings, and document sharing that enable employees to collaborate more effectively. This study aims to explore the impact of Microsoft Teams on communication, motivation, and employee performance at the Pratama Tax Service Office (KPP) in Langsa. A quantitative research design was applied using a survey method, with data collected through pretest and posttest questionnaires. The study involved a total population of 89 employees, of which 81 valid responses were analyzed. Data processing was carried out with SPSS version 25 to compare employee conditions before and after the use of Microsoft Teams. The findings reveal that the adoption of Microsoft Teams contributes to more effective communication, enhances employee motivation by simplifying coordination and task management, and improves overall performance. These results highlight the potential of digital collaboration platforms to strengthen organizational effectiveness, particularly in government institutions that require efficiency, transparency, and adaptability in their operations. The study further implies that maximizing the use of digital platforms can support long-term organizational goals in the context of ongoing digital transformation.

The agricultural sector plays a crucial role in the Indonesian economy, contributing significantly to Gross Domestic Product (GDP), employment, and national food security. Conventional financing is often poorly suited to the unique characteristics of the agricultural sector, prompting the exploration of more adaptive alternatives. Islamic banking, with its principles of fairness and risk-sharing, offers innovative financing solutions. One such contract with significant potential but underutilized is the Salam contract, a purchase-and-sell contract where payment is made upfront and goods are delivered at a later date. This study aims to analyze the characteristics of the Salam contract in depth, identify challenges and opportunities in its implementation in the Islamic agricultural sector, and formulate strategies for optimizing its application. Using a qualitative descriptive research method based on literature review and comparative analysis, this article finds that the Salam contract offers an effective financing solution for farmers' working capital needs, price risk mitigation for farmers, and supply security for buyers. Key challenges include the risk of crop failure, quality risk, moral hazard risk, and limited supporting infrastructure and market understanding. Optimizing the Salam contract can be achieved through the development of innovative contract models, strengthening risk management through takaful instrumentation, utilizing digital technology, improving Islamic financial literacy, and collaboration between stakeholders. The implications of this research are expected to provide practical guidance for Islamic financial institutions, farmers, and policymakers to create a more inclusive and sustainable Islamic agricultural financing ecosystem. With the right approach, the Salam contract has the potential to become a key instrument in Islamic agricultural financing. Its widespread implementation can drive the transformation of the agricultural sector toward a more productive and equitable direction. Sustainable efforts are needed to ensure its effective implementation in the field.

This research is a Classroom Action Research (CAR) conducted in two cycles. The subjects were 24 students of class XII TM 2 of the Mechanical Engineering Expertise Program at Semen Padang Vocational School in the odd semester of the 2025/2026 academic year. Data collection was carried out through learning activity observation sheets, practical assessment sheets, and multiple-choice tests to measure students' cognitive learning outcomes. The implementation of Creative Products and Entrepreneurship learning at Semen Padang Vocational School was previously teacher-centered. Students tended to be passive listeners during the learning process, which led to low participation, minimal interaction, and a lack of understanding of the material. As a result, most students were unable to achieve the Minimum Completion Standards (SKM). Based on this, the Jigsaw Cooperative learning model is considered suitable for application in Creative Products and Entrepreneurship learning, because it is able to create a student-centered learning atmosphere and encourage active involvement and cooperation between students. The results of the study prove that the application of the Jigsaw Cooperative learning model is effective in improving student learning outcomes. This is based on the average student learning outcomes in cycle 1 of 75.2, where 17 students were declared complete. In cycle II, the average student learning outcomes were 85.2 with 21 students declared complete. The significant improvement in cycle II indicates that the Jigsaw Cooperative Learning model is not only effective in improving cognitive learning outcomes but also able to improve the quality of interactions between students in the learning process. Students become more active in discussions, disseminating information, and are responsible for understanding the material they are learning and sharing with their groups.

The development of digital technology has brought significant changes in the patterns of social interaction in society. Social media, especially TikTok, now functions not only as a means of entertainment but also as an effective medium for disseminating social, cultural, and humanitarian values. One interesting phenomenon in this context is the emergence of altruistic content, namely messages that represent caring, kindness, and selfless assistance. Content with altruistic nuances has its own appeal because it can create emotional closeness with the audience and has the potential to be used by business actors as a communication strategy to build a positive brand image. This study aims to identify and describe the forms of altruistic messages displayed in the TikTok account @mr.kingthread owned by Batik Benang Raja. The study used a descriptive qualitative approach with a content analysis method based on the altruism theory of Eisenberg and Mussen, as well as the six stages of content analysis according to Klaus Krippendorff. Data were collected from 24 videos uploaded between January 1–31, 2025, through observation and documentation techniques. Then, they were analyzed and categorized into six indicators of altruism: sharing, cooperation, helping, donating, honesty, and generosity. The results of the study show that @mr.kingthread's content consistently displays altruism through sincere, emotional, and easily accepted actions by the audience. The aspect of donating emerged as the most dominant element, followed by aspects of cooperation, helping, and sharing. The natural, authentic, and uncontrived message delivery strengthens emotional closeness with the audience and increases public trust in Batik Benang Raja's image as a brand that cares about humanitarian values. In conclusion, the altruism-based communication strategy through TikTok has proven effective in spreading humanitarian values, strengthening the company's positive image, and fostering a spirit of sharing among the audience.  

This study discusses the role of enabling setting in increasing the empowerment of beneficiary communities in Tamansari Tourism Village, Banyuwangi Regency. Enabling setting is understood as a supportive environment that includes inclusive policies, access to resources, community participation, and cultural and environmental preservation. The research was conducted with a qualitative approach through case studies, using in-depth interview techniques, participatory observation, and document studies. The results show that the empowerment of communities depends not only on increased economic income, but also on their ability to be actively involved in tourism management, safeguard local cultural values, and gain equitable access to training and information. Government support, partnerships with the private sector, and local initiatives are important factors in creating empowerment. However, challenges such as inequality of participation, limited digital access, and potential conflicts between community groups were also found. This study concludes that sustainable development of tourism villages must prioritize multi-stakeholder collaboration and strengthen local capacity equally. These findings make a practical contribution to the formulation of more inclusive policies and serve as a reference for the sustainable development of community-based tourism villages in Indonesia. Furthermore, the study highlights the critical role of continuous capacity building and knowledge sharing among community members to ensure long-term sustainability. By fostering an environment where local residents are equipped with the necessary skills and information, the community can better adapt to changing tourism trends and external pressures. Additionally, the integration of digital tools and platforms is recommended to bridge the information gap and enhance marketing efforts, thus expanding the reach of the tourism village. These strategies collectively support a more resilient and self-reliant community, capable of maintaining both economic growth and cultural integrity in the face of development challenges.

This study aims to analyze the influence of the Problem Based Learning (PBL) model in science education on students’ environmental literacy and science communication skills at SMK Negeri 3 Pekanbaru, focusing on the topic of disaster mitigation. The research employed a causal comparative approach with a post-test only design, comparing two student groups: an experimental class using the PBL model and a control class using conventional teaching. The results revealed a significant difference in environmental literacy, with the experimental class achieving a higher average score (81.86) compared to the control class (62.05). This indicates that the PBL model is effective in enhancing students' understanding, awareness, and environmentally responsible behavior. The PBL approach encourages active student engagement and the application of knowledge to real-world scenarios, which is particularly beneficial in the context of environmental issues and disaster mitigation. By working through problems related to environmental challenges, students are likely to gain a deeper understanding of the topic, which fosters a sense of responsibility towards environmental sustainability. In terms of science communication, although the experimental class showed a higher average score (75.78) than the control class (72.92), the difference was not statistically significant. This may be due to a lack of intensive training in scientific discussions and presentations. While PBL encourages collaborative problem-solving and idea-sharing, students may still require more structured practice in presenting and communicating their findings clearly and persuasively. The integration of more structured activities focusing on science communication skills could further enhance the effectiveness of the PBL model. Overall, the PBL model demonstrates positive potential in improving both environmental literacy and science communication. However, to achieve its full impact, its implementation must be consistent, with a focus on providing students with additional opportunities to develop their communication skills.

The Atur Dahar tradition is a ceremony to feed supernatural beings by leaving food overnight in a room, some are also drowned in the river. This tradition has become a hereditary custom by their ancestors. The existing actions are considered tabzir/wasteful and shirk. This study uses a normative empirical research type, the focus of this research is the views of religious leaders on the Atur Dahar tradition in Pait Village, Long Ikis District. The data analysis technique is carried out using a qualitative descriptive method, namely describing, explaining, and analyzing the results of the study by reviewing the study of 'urf. The procession of the Atur Dahar tradition in the celebration of the Banjar community in Pait village is divided into two implementations, namely dishes provided for ancestors, some are left overnight in the corner of the house and some are drowned in the river, but now the Atur Dahar tradition has been changed from food to which prayers are read and some have not changed, namely in the procession such as leftover food that becomes waste, and food that is less suitable or dirty is given to the community. Ten religious leaders agreed on the existence of the Atur Dahar tradition in celebrations if it complies with Islamic law. The Atur Dahar tradition is part of 'Urf Amali' because it is an act carried out by the community, especially the Banjar tribe in Pait village. This tradition is included in 'Urf Khash' because it is a custom of the Banjar tribe in Pait village. In terms of law, it is included in 'Urf Sahih', because some of the procession is in accordance with Islamic law, such as praying to Allah SWT and sharing food as alms with others. This tradition can also be included in 'Urf Fasid' because it is wasteful.

This study examines the strategic role of Koperasi Desa Merah Putih (Red and White Village Cooperative) in accelerating the achievement of the Sustainable Development Goals (SDGs) in Indonesia, using qualitative document analysis as the primary method. Key institutional documents—namely the Articles of Association/Bylaws (AD/ART) and the Village Medium-Term Development Plan (RPJMDes)—were analyzed to identify cooperative values, integration into local development planning, and contributions to specific SDG indicators. Findings reveal that the cooperative’s core principles—voluntary membership, inclusivity, democratic governance, and equitable profit sharing—align strongly with SDG 1 (No Poverty), SDG 5 (Gender Equality), and SDG 8 (Decent Work and Economic Growth). The RPJMDes analysis indicates formal recognition of the cooperative as a driver of economic empowerment, gender equity, and sustainable community development, with potential scalability to other villages and rural areas in Indonesia. Further analysis demonstrates how the cooperative actively promotes women’s participation in leadership roles, supports income-generating activities for marginalized groups, and encourages the localization of economic value chains. These practices foster not only economic inclusion but also enhance community resilience and social cohesion. However, several challenges were identified. These include inconsistent documentation quality, lack of standardized performance metrics, and limited results-based evaluation frameworks that hinder a thorough impact assessment. Additionally, there remains a gap in digitalization, which affects data transparency and accessibility. The study’s novelty lies in its document-based approach, offering a replicable model for assessing SDG readiness in similar rural institutions. Unlike interview-based studies, this method reduces subjective bias and highlights the importance of formal governance structures.

This study aims to describe the application of the Jigsaw Learning method in Islamic Religious Education (PAI) learning at SMP 3 Sendana and to identify the advantages and obstacles encountered during the learning process. The research method used is descriptive qualitative, with data collection techniques through observation, interviews, and documentation. The results of the study indicate that the application of the Jigsaw Learning method can increase student activeness, strengthen group cooperation, and help understand the material more deeply and comprehensively. In this activity, students not only act as recipients of information from the teacher, but also as conveyors of material to their group mates. The process of sharing information between members encourages students to be more active in seeking out, understanding, and explaining the concepts being studied. In addition, this method also creates a collaborative and enjoyable learning atmosphere, due to the positive social interactions between students. This can increase a sense of responsibility and concern for the success of the group. However, in its implementation, several obstacles were found that require attention. Some of these include limited study time within the available lesson hours, inequality in contributions between group members which sometimes results in an uneven workload, and a lack of student readiness to understand the material independently before the group discussion process takes place. Despite the challenges, these obstacles can be minimized through effective classroom management, such as balanced group division, motivation, and intensive teacher support throughout the learning process. With the right strategy, Jigsaw Learning remains an effective and relevant method for Islamic Religious Education (PAI) learning, as it encourages the achievement of learning objectives in a participatory, active, and enjoyable manner. Therefore, this method is a worthy alternative to cooperative learning that can improve the quality of religious education at the junior high school level.

Sharia financing is a key instrument that Islamic banks must promote in channeling third-party funds. This aligns with the basic principles of Islamic banking, which emphasize fairness, partnership, and business sustainability. Therefore, it is crucial to examine how various Islamic financing schemes impact Islamic bank profitability. This study focuses on Bank Mega Syariah, using secondary data sourced from quarterly financial reports for the period 2017 to 2024. The financing variables analyzed include musyarakah, mudharabah, murabahah, and ijarah, while profitability is measured using relevant financial performance indicators. The analysis method used is a quantitative approach using regression techniques to examine the effect of each type of financing on bank profitability. The results show that musyarakah, mudharabah, and murabahah-based financing have a positive and significant impact on profitability, meaning that the higher the distribution of these three types of financing, the greater their contribution to increasing bank profits. These findings indicate that the business partnership model, profit-sharing system, and profit margin stipulated in the murabahah contract significantly contribute to maintaining profit growth. Conversely, ijarah financing did not significantly impact profitability. This may be due to the characteristics of ijarah, which tends to be oriented towards fixed assets or leases, resulting in a relatively limited contribution to increasing short-term profits. Overall, this study provides important implications for Islamic bank management to further optimize the proportion of musyarakah, mudharabah, and murabahah financing as a strategy to boost financial performance and maintain business continuity amidst the competitive Islamic banking industry.