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This paper aims to provide an explanation of the contribution of Islamic banking in the framework of national economic development, considering that the Islamic industry has developed rapidly in the last few decades. The method used is a systematic literature review (SLR) by documenting several articles that have similar research. The findings show that economic development aims to improve the welfare of its people. The success of a country's development can be seen from a high and sustainable level of economic growth. This growth can be seen through the increase in the production of industrial goods, the number of schools, the increase in infrastructure, and the increase in the service sector. Economic development will have an impact on changes in the economic structure towards a better stage, so that socio-economic aspects in society can be seen in the form of reduced poverty, unemployment, and increased people's purchasing power. Unstable economic growth has resulted in Indonesia still being in the middle income zone, therefore the participation of all elements of the government, society and the banking sector is no exception. Banking has an important role in advancing the national economy, besides functioning as a collector and distributor of public funds, banking also aims to support the implementation of national development in the framework of increasing equity and economic stability towards increasing the welfare of the community at large. Especially in the Islamic economy, Islamic banking seeks to accelerate economic growth by carrying out financial, commercial and investment activities in accordance with Islamic teachings. Islamic banks are not only banks that eliminate the interest system in their operations but also carry out social welfare oriented roles. The Islamic banking industry has a strategic role in the development of the people's economy, contributing to transforming the economy into productive, value-added and inclusive economic activities.

One tactic to achieve the goals this country seeks is economic growth. Economic development performance is measured based on a number of factors, including population growth, per capita income, unemployment, poverty level and balance of payments. However, in reality, this progress has not provided the best results because the community is still not the main beneficiary. Ultimately, all parties must rethink appropriate development plans to implement in our country considering the increasing rates of unemployment and poverty that are currently occurring. so that neglected communities no longer exist. Experts in the fields of economics, society and politics are starting to study how to achieve effective development without being plagued by unemployment and poverty. The interesting aspect of these studies actually comes from Muslim economists and thinkers. They present new options along with the development of new theories about Islamic economics. Adherents of sharia economics which are based on Islamic sharia principles are expected to behave professionally and demonstrate neatness, honesty, orderliness and regularity in their processes. This article aims to investigate how an Islamic economic perspective on development can address the problems of poverty, unemployment and equality, starting with the arguments given above.    

This journal discusses efforts to increase knowledge about the importance of halal certification as a strategy to increase the competitiveness of Micro, Small, and Medium Enterprises (MSMEs) in Banjarnegara Regency. Halal certification is a key factor in expanding market access and increasing consumer confidence. The aim of this research is to increase the understanding of the MSME group in Banjarnegara Regency regarding the basic concept of halal certification, its significance in the context of business competitiveness, and its positive impact on local economic growth. The method of increasing knowledge involves outreach activities and workshops directly to MSME groups. The results are expected to have a positive impact on increasing awareness and implementation of halal certification among MSMEs, which in turn will contribute to increasing competitiveness and economic growth in Banjarnegara Regency.

Regional growth centers assume the ability to integrate as many development interests as possible among those with an interest in development. Thus, regional growth centers also mean qualitative development and/or growth. Theoretically and empirically, inclusive economic growth is closely related to regional development. The existence of sub-regions in Aceh needs special attention, in order to develop the concept of regions as centers of development. During the New Order era, the concept of regional development was apparently renewed.

The Maritime Highway Policy, as an effort by the Indonesian government to strengthen maritime connectivity and support economic growth, has become the main focus during the second term of President Joko Widodo's leadership. This research evaluates the concept, implementation and impact of this policy in the development of the maritime sector and national economy. The research results show that the Maritime Highway Policy has succeeded in increasing connectivity between regions, leveling economic growth, increasing investment, and supporting the revitalization of the maritime sector. With these efforts, Indonesia is further strengthening its image as a strong and competitive maritime country. This research provides insight into the important role of the Maritime Highway Policy in developing Indonesia's maritime economy and connectivity, supporting sustainable development, and reducing economic disparities between regions.    

Indonesia's 2020-2024 National Medium Term Development Plan (RPJMN) aims to create a prosperous, just and sustainable Indonesia with a middle to upper income level (middle-income country). In this document there are seven development agendas. The Ministry of Environment and Forestry (KLHK) is directly involved in at least four agendas, namely: Strengthening economic resilience for quality and equitable growth; Regional development to reduce inequality and ensure equal distribution of welfare; Improving the quality and competitiveness of human resources; and Environmental development and increasing resilience to unexpected natural disasters and climate change.

This community service program is carried out in the Ngunut area, Tulungagung Regency, with activity partner ONC. The problems faced include economic growth and technological developments emphasizing the need for ONC to remain competitive and sustainable. Tight competition in the local market, the need for updated technological knowledge, and business sustainability challenges are the main focus. Solutions carried out through the latest training provide a solid foundation for their self-development. Strategic collaboration with activity partners and analysis of new business opportunities are the foundation for developing business models that are not only innovative but also sustainable. Technology enablement and implementation of digital marketing strategies were key steps in improving ONC's operational efficiency and increasing their visibility in the tight local market. outreach on business sustainability provides better understanding for ONC members, helping them reduce environmental impacts and increase resource efficiency. As an integral part of this program, monitoring and evaluation are carried out strictly to measure the impact of each step taken. Thus, the community service program not only provides an immediate solution to the challenges ONC faces, but also forms the basis for long-term investment, supporting the growth and sustainability of their business in the future.

The huge availability of cassava raw materials can be utilized as a substitute or substitute for wheat, so breakthrough technology is needed to be able to modify cassava by increasing its usability so that it is suitable as a substitute for wheat flour in the processing of food products, such as cookies, bread, and noodles (Zulaidah, 2011). Another effort that can be made is to develop cassava flour derivative products, namely mocaf flour (Modified Cassava Fluor). Since many housewives produce cakes in Kebontemu village, the village is known as "Kampung Kue" (Kebontemu, 2023). However, very few people know about mocaf flour. Whereas mocaf is an alternative to wheat flour which is cheaper but has a higher nutritional value and is healthier. it is hoped that this training can be an important milestone in encouraging economic growth, especially the Kebon Temu Village Community, Peterongan Jombang. the participants of this training were attended by 20 mothers who often make processed wet cake snacks made from wheat flour. the following (1) continue training in making various cakes made from local cassava on a regular basis, (2) update information about business phenomena, especially in the digital era while still paying attention to aspects of improving communication skills:Training as a local cassava-based cake maker can help participants improve their communication skills. This includes the ability to package messages in a way that is engaging, compelling and relevant for their target audience. Strong communication skills are essential in today's business world, where digital Mocaf Flour-based Assorted Wet Cookies are becoming increasingly dominant.

Terate village, which is located near the PTPN XII Kotta Blater plantation company, is facing serious problems related to poor internet networks and electricity supplies. The aim of this research is to study the dynamics of conflict, how retarded access impacts people's lives. The analysis is based on Ralf Dahrendorf's conflict theory to understand inequality of access. This study will look at what caused conflict during the construction of internet and electricity network infrastructure in Terate Village, with special emphasis on the role of the economic power of PTPN XII Kotta Blater in causing conflict. In addition, we will investigate how limited access affects education, economic growth and social life in Terate Village. This research will use approaches such as interviews and surveys with the community to gain a better understanding of the dynamics of conflict in Terate Village. In addition, this research is expected to provide insight into the complexity of conflict and also provide recommendations with the aim of improving equality of access and quality of life.

Islamic financial institutions use an accounting system that is different from conventional accounting. The basis of sharia banking accounting follows the principles of Islamic economics which include the prohibition of interest or what is often called usury (including other usurious practices), then the prohibition of investment in businesses that are considered haram, as well as encouraging fair wealth and economic growth.

The main problem in this research is to examine the issue of the concept of Law Number 11 of 2020 concerning Job Creation Using a Beneficial Approach, regarding the view of Islamic Law regarding Law No. 11 of 2020 concerning Job Creation, benefits of Law no. 11 of 2020 concerning Job Creation for workers and the existence of Law no. 11 of 2020 concerning Job Creation from a Sharia Economic Law perspective. The type of research used in this research is library research. The data sources used are primary data and secondary data. The results of this research are that the review of Islamic law in Law no. 11 of 2020 concerning Job Creation is a form of preserving the soul (hifzh al-nafs) in the principles of maqashid sharia as a means of maintaining their economic rights to survive. As for the benefits of Law no. 11 of 2020 concerning Job Creation that can be felt at this time, namely: creating jobs, encouraging investment, an easier and faster licensing system, and simplified investment requirements. The value of Sharia Economic Law is viewed from Law no. 11 of 2020 concerning Job Creation, providing sharia economic growth, especially in the sharia financial industry in Indonesia such as Sharia Banks, Non-Bank Sharia Financial Industry, Sharia Cooperatives and Sharia Capital Markets, in the future there will be great opportunities in running their business.

Indonesia, an archipelago located in Southeast Asia, has long been known as a country with tremendous maritime potential. With more than 17,000 islands stretching along the equator, Indonesia occupies a unique position as the largest archipelago in the world. Papua, as one of the provinces in Indonesia, has enormous maritime potential that offers a variety of deep and broad development opportunities. Located at the eastern tip of Indonesia, Papua has a long and diverse coastline that runs along its territory. The maritime potential in Papua includes abundant fishery resources, rich marine ecosystems, and the potential for a promising tourism sector. The research method used in this study is qualitative research. data collection method used in this study is the method of literature study. Data analysis techniques used in this study is content analysis or content analysis in which researchers use materials or literature in the form of books and journals related to the research topic. Papua has the potential to be a pioneer in sustainable economic development through the maritime sector. With prudent policies, strong collaboration, and attention to sustainability principles, Papua can harness its rich marine and mineral resources to achieve sustainable economic growth, environmental conservation, and the well-being of local communities. It is important to remember that the future of Papua lies in their own hands, with the full support of the government, private sector, and local communities, Papua can serve as an example for other regions in harnessing their maritime potential to achieve these same goals.

Along with the current developments, electricity has become a basic need that must be required. With population growth, economic development, and an increase in various activities and the use of facilities that require electricity, the use of electrical energy will continue to increase even in the use of lights as lighting in offices. The expected purpose of this study is to examine the efficiency of energy use as office lighting for one of the fertilizer industries before and after using LED lights, as well as analyze the costs incurred and the economic value obtained from the use of LED lamps. In this study, several data are needed, such as building plan data, inventory of the types of lamps used, electrical energy consumption, and the price of electricity consumption per kWh through the calculation method. The difference in costs incurred for the use of non-LED lamps into LED lamps is IDR 580,931.14 in the 1st-floor office building in one of the fertilizer industries and IDR 319,747.56 in the 2nd-floor office building in one of the fertilizer industries. Based on this, the difference in costs incurred is very large, so the use of LED lamps is the main alternative in saving energy and costs. Therefore, it is important to conduct studies and research on the impact that can be caused by the use of LED lights on energy consumption and electricity cost efficiency in the company.    

Small and Medium Enterprises (SMEs) play a crucial role in a country's economic growth. Therefore, lending to SMEs is an important element in supporting this sector. This study aims to evaluate bank performance in lending to SMEs, with a focus on efficiency, security and economic impact. This research methodology involves analyzing historical data from a number of banks that are active in supporting SMEs. Data includes the volume of credit disbursed, the interest rate applied, the credit approval process, and the non-performing loan ratio. Apart from that, the economic impact of credit provided to SMEs is also evaluated through business growth, job creation, and contribution to local GDP. The research results show variations in bank performance in lending to SMEs. Certain banks achieve high levels of efficiency in the credit approval and monitoring process, while others may face challenges in managing credit risk. The economic impact of credit to SMEs is positive, with significant business growth and job creation having a positive impact on the local economy.  

The involvement of accounting and management lecturers in the training and business support of micro, small, and medium enterprises (UMKM) and Kripik Tempe Rohani plays a crucial role in the advancement of UMKM and the local economy. This scholarly article explores the significance of initiatives aimed at enhancing financial literacy. The lecturer specialising in accounting and management delivers comprehensive training sessions on financial management, taxation, and accounting practices to micro, small, and medium enterprises (UMKM). Additionally, the lecturer offers valuable advice on the practical implementation of these principles within the context of everyday business operations. Furthermore, the instructor has the capability to acquaint UMKM (micro, small, and medium enterprises) with accounting software and provide guidance on comprehending tax responsibilities. The positive effects encompass enhanced economic well-being of micro, small, and medium enterprises (UMKMs), less business risk, adherence to tax responsibilities, sustained growth, heightened competitiveness, and facilitation of local economic progress. The provision of training and support services additionally enhances individuals' financial literacy, thereby playing a significant part in the overall improvement of society's economy.

The purpose of this study is to look at export and import activities in supporting economic stability before and during the pandemic. The method used is VAR and Difference Test. The results of the VAR research show that Export and Import activities contribute to each other and are optimal in supporting economic stability in Indonesia, both in the short, medium and long term. The results of the FEVD show that the policies used in Export activities are in the short term carried out by Exports themselves, then in the medium and long term the policies used in maintaining Export activities are Exports themselves and are influenced by Imports. Then the results of the FEVD show that the policy in maintaining imports in the short, medium and long term is with imports itself and followed by exports. Then the results of the Difference Test show that there are no significant differences in inflation and exchange rates before and during the Covid-19 pandemic. If there is an error in taking action on Exports and Imports, it can make the economy unstable. Thus, in sustaining economic stability in Indonesia, the Government must monitor and take the right policies, both by reducing and increasing exports and imports. Where if you take the wrong action, it will have a huge impact on the Indonesian economy. Then for the future the Central Bank to maintain stable inflation and exchange rates, so that the economy is maintained.

This study analyzes the impact of the merger between three state-owned Islamic banks that formed Bank Syariah Indonesia (BSI) in 2021 on growth and innovation. This merger aimed to create an entity that is stronger and more competitive globally. Using quantitative analysis of BSI’s financial reports before and after the merger along with qualitative insights through interviews with management, this research found significant increases in sales revenue and customer base, from 14 million pre-merger to 19 million post-merger. Although investment income fluctuated, overall financial performance improved. This study highlights the significance of financial report analysis in evaluating merger success and its effects on product and service innovations. With government support and substantial market potential, BSI is expected to contribute significantly to Indonesian Sharia economic development.

Indonesia is expected to enter the Demographic Bonus era, a condition where the population of productive age is greater than that of non-productive age. This dominant generation of productive age can also be called the Millennial Generation. According to data held by BPS regarding the increase in Indonesia's population in 2015, the percentage of the working age population was around 70%. The Demographic Bonus has the potential to spur Indonesia's economic growth. However, this condition has requirements, namely the need to provide housing facilities that can accommodate the percentage of the working age population in the range of 70%. The Demographic Bonus has the potential to spur Indonesia's economic growth so that it is hoped that it can improve the welfare of the Indonesian people. However, this condition has requirements, namely the need to provide housing facilities that can accommodate these millennials. Moreover, the current urbanization trend is encouraging the millennial generation to work in big cities in Indonesia. Providing housing facilities in areas supported by adequate transportation facilities or transit/TOD-based housing development can increase the work productivity of millennials. However, the challenges faced in housing services in TOD areas are land issues and ownership status owned by private parties because strategic locations have higher value from an economic perspective. If this happens, then residences in TOD areas will become typical residences intended for people with high incomes. On the other hand, not all millennials are high-income people. In terms of age, most millennials are still in the middle and lower category because they are still at the stage of starting their careers, so providing housing facilities for millennials does not only pay attention to location, but also to economic aspects. In this article, we discuss affordable housing in TOD areas as fulfilling housing needs for millennials along with concepts from an architectural perspective that have been implemented in Indonesia and in several countries in the world as a comparison so that they can be input for special development of affordable housing in TOD areas for millennials in Indonesia.

The Islamic Digital Economy (IDE) has emerged as a transformative force, unlocking new opportunities for sustainable development within the global Muslim community (Ummah). This paper explores the multifaceted dimensions of IDE and its potential impact on Ummah sustainability. The IDE encompasses a wide array of digital technologies, including but not limited to fintech, e-commerce, blockchain, and artificial intelligence, all aligned with Islamic principles. By leveraging these technologies, the Ummah can foster economic growth, financial inclusion, and social development while adhering to ethical and Sharia-compliant practices. This paper delves into the key components of IDE, examining its role in promoting entrepreneurship, enhancing financial literacy, and fostering innovation within the Ummah. Moreover, it explores the potential of IDE to address societal challenges such as poverty, unemployment, and income inequality through inclusive and sustainable economic models. In addition, the paper highlights the importance of regulatory frameworks that support the growth of IDE, ensuring that it aligns with Islamic values and principles. It also underscores the need for educational initiatives to enhance digital literacy within the Ummah, empowering individuals to fully participate in the digital economy. Through a comprehensive analysis of the opportunities and challenges associated with IDE, this paper aims to provide insights for policymakers, businesses, and communities seeking to harness the full potential of the Islamic Digital Economy for the sustainable development of the Ummah. By embracing IDE, the Ummah can not only navigate the digital age successfully but also contribute to a more inclusive, ethical, and sustainable global economic landscape.

Nowadays, food and beverage products are widely circulated in society. In the era of globalization of society, the traffic of goods including food/drinks across countries is not guaranteed to be halal. Even though religious obligations command us to consume halal food/drinks. With the existence of Law no. 33 of 2014 concerning Halal Product Guarantees and Government Regulation no. 39 of 2021 shows that there is legal certainty in the implementation of Halal Product guarantees. The problem is how to theoretically and empirically study the implementation of halal product guarantees from an Indonesian legal perspective. The research methods are normative juridical and sociological. The research results show that theoretically, the implementation of halal product guarantees is based on Law no. 33 of 2014 concerning Halal Product Guarantees reflects legal norms originating from God's Law (God Order), namely from the Al-Qur'an and Hadith, and has long been practiced in people's lives as a reflection of a person's or society's religious awareness. The process shows a circle of interaction that ends with the Halal Product Guarantee Law. Empirical studies explain that the implementation of halal product guarantees has been going on in people's lives for a long time so that it functions to create legal certainty, comfort and justice for the user community as well as realizing beneficial values for economic growth and community welfare. The existence of statutory regulations, legal institutions and public awareness of halal product guarantees are elements of a legal system. Empirical studies explain that the economic subsystem played by business actors has great energy to adapt quickly and utilize legal regulations and community culture to expand and develop their business. Keywords: Halal, Products, Law and Society