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Indonesia is a country with a vast diversity of cultures, religions, and ethnicities, which makes it one of the most pluralistic societies in the world. Multicultural education is present as a strategic approach to instill the values of tolerance, inclusion, and social harmony in the midst of this diversity. This article explores the nature of multicultural education in Indonesia from the perspective of Islamic education, which emphasizes respect for differences as part of the sunnatullah. Through literature research methods, this article discusses the concept, implementation, and challenges of multicultural education in the national education system. The results of the study show that multicultural education can be implemented through the development of diversity-based curriculum, teacher training to manage multicultural classrooms, and the creation of an inclusive educational environment. The Islamic perspective provides a strong philosophical and normative foundation to support multicultural education, such as the teachings of the Qur'an and Hadith that emphasize the importance of tolerance and intercultural dialogue. However, the implementation of multicultural education faces challenges, including cultural resistance from exclusivity groups and limited resources in schools, especially in remote areas. This article recommends strengthening the socialization of multicultural values, developing contextual teaching materials, increasing teacher training, and allocating adequate resources as solutions to overcome these challenges. By integrating Islamic values in multicultural education, Indonesia can build a generation that is tolerant, inclusive, and able to maintain social harmony in the midst of diversity. This article contributes to enriching the discourse of multicultural education and offers practical solutions for its implementation.

Islamic finance is a financial system based on sharia principles, such as the prohibition of usury, gharar, and maysir, which emphasizes justice, financial inclusion, and sustainability. This study aims to analyze the role of Islamic finance in the revitalization of developing countries' economies, focusing on instruments such as sukuk, zakat, waqf, and microfinance. Through the literature study method, this study shows that Islamic finance is able to support infrastructure development, community empowerment, and reduction of social inequality. This study analyzes the role of Islamic finance in the revitalization of developing countries' economies through instruments such as sukuk, zakat, waqf, and microfinance. The results of the study show that Islamic finance is effective in supporting infrastructure development, community empowerment, and reduction of social inequality in countries such as Indonesia, Malaysia, and Pakistan. However, its implementation still faces challenges, such as low Islamic financial literacy and limited regulations. The conclusion of the study confirms that Islamic finance has the potential to drive inclusive and sustainable economic growth if supported by increased literacy, regulatory harmonization, and expanded access to Islamic financial products.

Through literature studies and case analysis, this research in-depth examines the sharia fintech business model based on zakat and waqf. This research identifies potential, challenges, and provides policy recommendations to support the growth of this business model. The research results show that this business model has great potential in increasing financial inclusion and expanding the reach of beneficiaries. This research aims to examine how sharia fintech can contribute to improving social welfare through more effective management of zakat and waqf

Financial literacy is an individual's ability to understand, analyze, and use financial information to make effective decisions. In the context of Islamic finance in Indonesia, low financial literacy is a major challenge in increasing financial inclusion. Islamic mutual funds, as one of the sharia-based investment instruments, offer an opportunity to bridge the gap between financial literacy and inclusion. Islamic mutual funds have the advantages of transparent sharia principles, wider accessibility, and diversified risks. This study aims to explore the role of Islamic mutual funds in increasing public financial literacy while encouraging Islamic financial inclusion. The methodology used includes secondary data analysis, surveys, and interviews with stakeholders, such as financial industry players, regulators, and the community. The results of the study show that education about Islamic mutual funds can consistently increase public understanding of Islamic financial products. In addition, Islamic mutual funds also have the potential to expand public access to Islamic financial services, especially among the younger generation and underserved groups. Integration of financial literacy programs based on sharia mutual funds with the support of regulations and digital technology can be a strategic step to strengthen the sharia financial ecosystem in Indonesia, thereby supporting more inclusive and sustainable financial inclusion.

PT. XYZ is an international company operating in the energy sector, especially oil and gas, with a focus on fabrication and construction activities for large-scale projects. One of the main production processes that is very influential is welding. To ensure welding quality, PT. XYZ uses the Non-Destructive Testing – Ultrasonic Testing (NDT-UT) method. However, during the inspection process, problems are often found in the form of rejects due to defects that do not meet welding quality standards. Some types of defects detected include LOF (Lack of Fusion), LOP (Lack of Penetration), and ESI (Excessive Spatter Inclusion). This research aims to determine the percentage of the most dominant welding defects, identify factors that cause defects, and provide recommendations for improvements to improve welding quality. The method used is Statistical Quality Control (SQC) with the help of tools such as check sheets, histograms, Pareto diagrams, scatter diagrams, control charts and fishbone diagrams. Based on the data collected, a LOF defect of 5,434 mm was found, an ESI defect of 1,990 mm, and an LOP defect of 1,030 mm. SQC analysis shows that the dominant defect is LOF with a percentage of 64%. The main causal factors come from methods, humans, machines and materials. Therefore, companies need to make improvements and developments to reduce product defects so that they can improve welding quality.

Sharia-based monetary policy instruments, such as the Bank Indonesia Sharia Certificate (SBIS) and the Sharia Interbank Money Market (PUAS), contribute significantly to liquidity stability and expand access to sharia banking services. Even though the sharia banking sector continues to grow, the market share of the national banking industry is still relatively small due to low financial literacy, limited infrastructure and global economic challenges. This research highlights the importance of strengthening sharia financial literacy, developing digital infrastructure, as well as collaboration between the government, private sector and Bank Indonesia to overcome these obstacles. Strategic recommendations are provided to increase sharia-based financial inclusion which is expected to become a model for countries where the majority of the population is Muslim.

Objective: This scoping literature review is intended to identify factors that influence Psychological well-being and see the gap synthesis of previous studies. Introduction: Students as the next generation of the nation often face various challenges, both in academic, social, and personal fields. These challenges can affect their psychological well-being, which is an important aspect in supporting the success of studies and life as a whole. Methods and analysis: This study uses 5 main stages, namely the stage of identifying questions, identifying relevant studies, selecting study results, data extraction, data synthesis. Specifically using the PCC framework and paying attention to inclusion and exclusion criteria so that the final results are obtained. Results: The results found from the data selection found a total of 8,401 articles from 1 database and duplication was done twice (in the first check using Rayyan.ai the second work during data selection with Rayyan.ai n = 807 After duplication of data selection based on inclusion exclusion criteria, 63 relevant articles were found. After manual re-detection, the final results were 13 articles that were most relevant to the research topic.    

Education is an important foundation for individual and societal development. Education systems in various countries have unique characteristics that reflect their values, history and socio-economic needs. In a global context, the education systems in the United States and Germany are examples of two very different but equally influential approaches in shaping the future of their young generation. Education in the United States is known for its diverse and flexible system. The country has adopted a decentralized model, in which educational responsibility rests largely with states and school districts. Curriculum often varies from region to region, giving freedom to adapt course material to local needs. This system also prioritizes the principle of inclusion, with various programs that support diversity and access to education for all students, including those with special needs. High schools offer a variety of educational pathways, including academic, vocational, and arts pathways, giving students the freedom to choose according to their interests and talents. Education in Germany is famous for its structured system and focus on early specialization. After completing basic education, students in Germany follow different educational paths according to their abilities and interests, through a system known as, Realschule or Gymnasium. Vocational education is also receiving great attention in Germany, with many students following a dual system that combines practical training in the workplace with theoretical education at school. This system aims to ensure that students gain skills relevant to the needs of the job market and facilitate a smooth transition from education to the world of work. With these differences in approach, each country offers valuable insight into how education can be organized to meet social and economic goals. Comparative analysis between these two systems can provide insight into the strengths and challenges of each model, as well as the potential for implementing best practices in a global educational context.

Islamic finance is a financial system based on sharia principles, such as the prohibition of usury, gharar, and maysir, which emphasizes justice, financial inclusion, and sustainability. This study aims to analyze the role of Islamic finance in the revitalization of developing countries' economies, focusing on instruments such as sukuk, zakat, waqf, and microfinance. Through the literature study method, this study shows that Islamic finance is able to support infrastructure development, community empowerment, and reduction of social inequality. This study analyzes the role of Islamic finance in the revitalization of developing countries' economies through instruments such as sukuk, zakat, waqf, and microfinance. The results of the study show that Islamic finance is effective in supporting infrastructure development, community empowerment, and reduction of social inequality in countries such as Indonesia, Malaysia, and Pakistan. However, its implementation still faces challenges, such as low Islamic financial literacy and limited regulations. The conclusion of the study confirms that Islamic finance has the potential to drive inclusive and sustainable economic growth if supported by increased literacy, regulatory harmonization, and expanded access to Islamic financial products.

The rapid development of technology has significantly influenced various economic sectors, including finance. Digitalization has introduced opportunities to create more efficient, transparent, and inclusive financial services. Within Islamic finance, technological advancements address challenges such as limited access to Sharia-compliant financial services and complexities in applying Sharia principles practically. One notable innovation is Sharia-based financial technology (fintech), which combines Islamic values with modern technology to provide accessible, ethical, and sustainable financial solutions. This study explores the potential and challenges of Sharia fintech in Indonesia, a country with the largest Muslim population globally. Sharia fintech, including crowdfunding, peer-to-peer lending, and halal digital payment platforms, promotes financial inclusion while adhering to Islamic principles. However, its growth faces regulatory hurdles, consumer protection issues, and a lack of public literacy about Sharia-compliant financial products. The research highlights the role of the government and regulatory bodies such as the Financial Services Authority (OJK) in providing a supportive framework, including legal certainty, technological infrastructure, and public education initiatives. The findings emphasize that effective regulations and strategic government support are critical to fostering Sharia fintech as a pillar of the Islamic economy. With strengthened collaboration between stakeholders, Sharia fintech can contribute significantly to financial inclusion and sustainable economic development in Indonesia.

This article discusses alternative Islamic finance as a solution without usury in the contemporary era. The background to this research focuses on the negative impact of usury practices in the conventional financial system and increasing public awareness of the importance of ethical transactions. The aim of this research is to analyze the influence of sharia financial products on people's financial welfare and to evaluate the level of understanding and adoption of sharia financial products in society. This research uses quantitative methods with descriptive and inferential statistical approaches, which include surveys of various community groups who use sharia financial products. The research results show that Islamic financial products such as murabahah, musyarakah, and mudarabah not only encourage more ethical investments, but also increase local economic growth and support sustainable development. However, the main challenge faced is the public's low understanding of sharia principles, which hinders optimizing the potential of this sector. Financial technology (fintech) and collaboration between sharia financial institutions and the government are identified as important factors in expanding access and increasing financial inclusion. In conclusion, despite challenges such as a lack of understanding and the need for better regulation, Islamic finance has great potential to become a key pillar in a fairer and more sustainable global financial system. This research provides recommendations that more efforts should be made to improve education, transparency and collaboration to strengthen the Islamic finance sector in the future.

Childbirth is a natural way that every mother must go through where the results of conception in the form of a baby and placenta are released from the uterus. Normal labor is characterized by uterine contractions that cause thinning, dilation of the cervix and push the fetus out through the birth canal, causing a sensation of pain felt by the mother. The purpose of this study was to determine whether there is an Effect of Murrotal Al-Qur'an Therapy on Reducing the Intensity of Labor Pain in the First Active Phase at the Juliana Dalimunthe Clinic. The research method used was Pre-Experiment One Group Pre and Posttest Design. Samples were taken by Accidental Sampling from mothers in the first active phase of labor who met the inclusion criteria totaling 30 people. Data collection was carried out using a face pain rating scale questionnaire. Data analysis with the Shapiro Wilk test and tested with the Wilcoxon Signed Ranks test statistical test. The results of the study conducted from May to July, found the average pain scale before therapy was 6.83 and the average after therapy was 6.17, the decrease in pain scale from before to after Murottal therapy was 0.66. From the statistical test, the P value = 0.001 was obtained, indicating that there was an effect of Murottal Al-Qur'an therapy on reducing the intensity of labor pain. The conclusion of this study is that the provision of Murottal Al-Qur'an therapy has been proven to be able to reduce labor pain in the first active phase. It is hoped that the provision of Murottal Al-Qur'an therapy will be an alternative intervention in reducing labor pain in the first active phase.

Interpretation of the Qur'an is an effort to understand Allah's verses through various methods, including tafsir bil-ma'tsur, tafsir bil-ra'yi, and tafsir Isyari. Tafsir bil-ma'tsur relies on the Qur'an, hadith, and the understanding of the companions and the tabi'in, carrying strong authority but not without critique regarding the authenticity of its chains of narration and the potential inclusion of Israiliyat. Tafsir bil-ra'yi employs reason and logic, divided into commendable interpretations that adhere to the principles of Quranic exegesis and blameworthy interpretations that often deviate from Islamic law. Meanwhile, tafsir Isyari offers a symbolic and esoteric approach, requiring strict conditions to ensure relevance and alignment with the apparent meaning of the verses. Although scholars have differing opinions regarding the validity of these interpretative methods, they collectively reflect the intellectual richness of Islam in interpreting the Qur'an to meet the spiritual and intellectual needs of the community across different contexts and eras.

This study aims to analyze the effectiveness of digital financial management training for Micro, Small, and Medium Enterprises (MSMEs) in Cibatu Village, South Cikarang. In the digital era, the ability to manage finances effectively is key for MSMEs to increase competitiveness in the global market. The method we used in this research is a quantitative approach with an experimental design, where participants were divided into a training group and a control group The results of the study showed a significant increase in digital financial management knowledge and skills after the training. In addition, participants also reported increased confidence in using technology for their business. The findings suggest that this training can be an effective strategy to empower MSMEs, encourage them to adapt to market changes, and expand their business reach at the global level. Recommendations for future research extend to the development of a more comprehensive training program as well as a long-term assessment of the impact of this training on MSME growth

Background: This study highlights the importance of knowledge and information access regarding reproductive health in adolescents, as adolescence is a transitional period susceptible to significant physical, emotional, and social changes. Survey data indicate that the level of reproductive health knowledge among Indonesian adolescents remains low, and access to information is very limited, especially from educational institutions. Objective: The objective of this study is to analyze the relationship between adolescent knowledge levels and access to reproductive health information at SMA Negeri Colomadu. Methods: This study utilizes a quantitative design with a cross-sectional approach. The sample consists of 72 respondents who meet the inclusion criteria with urposive sampling. The research instrument was a questionnaire measuring demographic characteristics, knowledge levels, and access to reproductive health information. A pre-post test data collection technique was applied to assess changes in knowledge following a health information intervention. Results: Bivariate analysis results showed a moderate positive correlation between access to information and reproductive health knowledge, with a Pearson coefficient of 0.550 (p < 0.01). Conclusion: This study demonstrates a significant relationship between information access and reproductive health knowledge among adolescents, where better information access supports improved understanding of reproductive health.

The rapid development of financial technology (fintech) provides innovative solutions to improve efficiency and accessibility in the Islamic finance sector. Islamic finance, based on Islamic principles, faces challenges in financial inclusion, high operational costs, and limited access to financial institutions. This study aims to explore the application of fintech as a solution to these issues. The research method used is literature review and qualitative analysis of various fintech models based on sharia principles, such as peer-to-peer lending, crowdfunding, and digital payments. The results indicate that fintech has significant potential in enhancing operational efficiency and expanding accessibility to sharia-compliant financial services. By utilizing technologies such as mobile applications and blockchain, fintech can reduce transaction costs and offer solutions for underserved communities. However, challenges related to sharia compliance and clear regulations need to be addressed to ensure the successful implementation of fintech in this sector.

This study examines the phenomenon of Central Bank Digital Currency (CBDC) as a technological innovation that changes the landscape of the global monetary system. In the midst of the rapid development of digital technology and cryptocurrencies, central banks in various countries are starting to consider and develop their own digital currencies. This study aims to comprehensively analyze the aspects of CBDC implementation, including its potential benefits, challenges, and impact on financial system stability and monetary policy. Through a descriptive qualitative approach with a literature study method, this study explores various dimensions of CBDC, including technological architecture, implementation models, and its socio-economic implications. The results of the study show that CBDCs have significant potential in improving the efficiency of the payment system, encouraging financial inclusion, and strengthening the transmission of monetary policy. However, its implementation also presents serious challenges related to data privacy, cybersecurity, and the stability of the banking system. This study makes an important contribution to a comprehensive understanding of CBDCs and their implications for the future of the global financial system.

Personal financial management in the digital era is a crucial aspect affecting the economic well-being of individuals and families. Amidst global economic dynamics, financial technology development, and increasing daily needs, the ability to manage finances effectively has become increasingly essential. This research explores strategies and implementations for optimizing personal financial management in the digital era, focusing on financial literacy, financial technology use, and healthy financial habits. The research results indicate that financial literacy in Indonesia is still low, with a score of 57 below the global average (60), and the national financial literacy rate only reached 49.68% in 2022. On the other hand, financial inclusion has reached 85.10%, highlighting a gap between access to and understanding of financial matters. Financial technology (fintech) offers easy access but also increases the risk of debt without mature planning. A holistic approach to financial management includes financial literacy, forming healthy financial habits, and using technology to support financial management. This webinar aims to educate and promote implementing adaptive, responsive, and effective personal financial management in facing modern financial challenges.

Islamic accounting is an accounting system rooted in Islamic principles, such as fairness, transparency, and social responsibility. This system aims to support ethical economic practices that align with Islamic values, including the prohibition of usury, gharar (uncertainty), and activities that conflict with sharia. This article examines the benefits of Islamic accounting in fostering the growth of the Islamic economy. First, Islamic accounting helps build trust among business stakeholders and the wider community by providing accurate and transparent financial information in line with sharia principles. Second, it promotes more responsible financial management, thereby reducing financial risks that do not comply with sharia. Third, Islamic accounting plays a role in developing Islamic financial instruments, such as sukuk, zakat, and waqf, which serve as sources of productive financing for the Islamic economic sector. Therefore, the effective application of Islamic accounting can stimulate sustainable growth in the Islamic economy, promote financial inclusion, and enhance global economic stability.

Baitul Maal Wat Tamwil (BMT), as an Islamic microfinance institution, plays a crucial role in enhancing financial inclusion and empowering the economy of communities in Indonesia. By combining the functions of Baitul Maal for managing social funds and Baitul Tamwil for productive financing, BMT supports the growth of small and medium-sized enterprises and reinforces the principles of Islamic finance. This study examines the development of BMT in Indonesia during the period from 2014 to 2019 through a descriptive qualitative approach and literature review. The results indicate that the number of BMTs increased from around 4,000 units in 2014 to 4,500 units in 2018, with a significant contribution to promoting financial inclusion, especially for the lower-middle-income population. However, BMT faces challenges related to complex regulations, unintegrated data collection, and the need for enhanced transparency and accountability in its operations. This study aims to provide insights for better policy development to support the role of BMT.