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Intellectual Property Rights (IPR) have the potential to be recognized as an object of Rahn Tasjily collateral because they meet the criteria of property that can be transferred in accordance with the principles of muamalah in Islamic banking. However, its implementation faces legal challenges, particularly related to the dualism between the provisions of Fiduciary Guarantee (UUJF), which contains potential riba and gharar, and the DSN-MUI Fatwa No. 68/2008, which rejects such non-Sharia elements. This study aims to analyze the position of IPR as marhun according to the principles of muamalah and to identify substantial barriers in its application in Islamic Financial Institutions (LKS), particularly in the aspects of valuation and execution. The method used is normative law with an approach to regulations and concepts, analyzed descriptively and qualitatively using secondary data. The study concludes that the conflict between UUJF and Rahn Tasjily, the high risk of gharar in valuation, and the delays in execution due to the Constitutional Court's decision, highlight the urgent need for OJK and DSN-MUI to issue technical regulations to harmonize and mitigate risks in accordance with Sharia principles.

This study aims to examine the role of Sharia Financial Institutions (SFIs) in strengthening sharia financial literacy as a preventive measure against illegal online lending practices in Indonesia. The study uses a descriptive qualitative method through literature review and normative legal analysis of fintech regulations (POJK 77/2016, PBI 19/12/PBI/2017, PDP Law 27/2022, and DSN-MUI Fatwa 117/2018) as well as various studies related to Islamic financial literacy, the role of LKS, and the phenomenon of illegal online lending. The results of the analysis show that Islamic financial literacy still lags behind conventional financial literacy, while the educational and social roles of LKS have not been fully utilized. On the other hand, the legal framework for fintech is adequate, but weak in terms of implementation and public literacy. This study recommends strengthening LKS literacy strategies based on community and digital platforms and developing Islamic microfinance as a safer alternative to illegal online loans.

The growth of the elderly population reaching 12% requires efforts that not only focus on weaknesses, but also the potential of the elderly. This study aims to describe the potential and strengths of the elderly, analyze the role of LKS LU Payung Besurek in implementing the Strengths Perspective and the Asset-Based Community Development (ABCD) model in assisting the elderly. The research approach uses descriptive qualitative, six people consisting of; the head of the institution, social workers, and four assisted elderly determined by purposive sampling technique. Data collection uses interviews, observation, and documentation. Data analysis uses the Miles and Huberman model, namely, the results of the study show that the assisted elderly LKS LU have physical, economic, social, spiritual, and psychological potential. The elderly are still able to work simply, are active in religious, social, economic activities and have good life motivation.The institution plays a role through spiritual, social, health, and economic development, including skills training. The Strengths Perspective approach is seen in efforts to explore and strengthen the potential of the elderly, while the application of the ABCD model is reflected in five principles: community leadership, social relationships, asset utilization, place-based, and inclusion without discrimination. This study concludes that the eld erly can remain independent, productive, and empowered if they receive support from institutions, families, and the social environment.

This study aims to assess the impact of using Talking Stick game as a learning media on students' learning outcomes and scientific communication skills in science lessons. This study was conducted using the Systematic Literature Review (SLR) method, by analyzing various relevant previous studies from elementary to secondary education levels. The research findings indicate that the Talking Stick learning technique can significantly improve student learning outcomes. This model has also been proven effective in improving science communication skills, conceptual understanding, active participation, and students' courage to express opinions during the learning process. The Talking Stick method emphasizes collaboration and involvement between students in a fun and interesting atmosphere. The use of various supporting media, such as question cards, posters, audio visuals, and student worksheets (LKS), increases the effectiveness of this method. The use of alternating sticks in question and answer sessions encourages students to be more confident and actively involved in the learning process. This also provides benefits for the development of students' critical thinking skills and emotional skills, which are very much in line with the needs of learning in the 21st century. The findings of this Talking Stick model research are recommended as an innovative strategy in science learning. Teachers are advised to combine it with interesting learning media to make the learning process more meaningful and enjoyable. tested the effectiveness of this method in various educational conditions. Furthermore, consistent application of the Talking Stick method can create an inclusive learning environment that is responsive to individual student needs. In the context of science learning, which often demands understanding of abstract concepts and problem-solving, this method can bridge the gap between theory and practice through active and reflective interaction.

This study aims to conduct a critical study of the teaching materials for Islamic Religious Education and Character Building (PABP), specifically on the material "Avoiding Backbiting and Carrying Out Tabayun" used in class VII of SMPIT Takhassus Al-Qur'an Ashabiq. The focus of the study in this study covers several important aspects, namely learning objectives, the material delivered, the learning methods and models applied, evaluation of learning outcomes, and sources and references for teaching materials used by teachers and students. The approach used in this study is descriptive qualitative with data collection techniques through document studies of teaching materials, observations of the learning process in the classroom, interviews with teachers and students, and data validation is carried out through expert audits to ensure the accuracy of the findings. The results show that the teaching materials used have referred to the principles of the Independent Curriculum and the Pancasila Student Profile, which emphasize the development of character and student competencies as a whole. However, several significant weaknesses were found, especially in terms of integration between learning objectives with learning activities and evaluations carried out. Learning materials are structured in a normative and idealistic manner, but they do not adequately accommodate students' real-life contexts, particularly in facing the challenges of today's digital era, which significantly impact how they understand and internalize religious values. Learning evaluation is still dominated by cognitive measures such as written tests and conceptual understanding, while the attitudinal and skill dimensions, which are crucial for character education, have not been optimally measured. Furthermore, the learning resources used are quite limited, relying solely on textbooks and student worksheets (LKS), without any support from contemporary literature or digital media that could enrich the learning process and make it more engaging and relevant to today's students.

Financial inclusion is an important pillar in equitable economic development, especially in Indonesia with a majority Muslim population. However, the contribution of Islamic financial institutions (LKS) to national financial inclusion is still low due to limited innovation, access, and public literacy about Islamic finance. This study aims to analyze the role of LKS innovation in accelerating financial inclusion in Indonesia. The research method uses a descriptive qualitative approach with literature studies and secondary data analysis from various related reports and publications. The results show that service digitalization, product diversification, and strengthening the halal ecosystem are the main strategies of LKS innovation. Digital innovations such as sharia mobile banking, fintech, as well as microfinance services and the halal sector have proven effective in expanding access to Islamic finance, especially for MSMEs and communities in remote areas. Synergy between the government, regulators, and industry players is needed to create an inclusive and sustainable Islamic financial ecosystem. The implications of this study emphasize the importance of continuous innovation and Islamic financial literacy education to increase the role of LKS in supporting national economic growth based on Islamic values.

This research aims to develop online mathematics learning tools based on the local wisdom of Papua in the form of Lesson Plan and E-Worksheet products that are oriented to students' critical thinking skills and mathematical problem-solving in materials of polyhedra which (1) validity aspects, (2) practicality aspects, (3) effectiveness aspects. The cultures used in this research are the kariwari traditional house and the kaki seribu traditional house as illustrations to explain the concept of polyhedra. The research method is research and development (R&D) using the ADDIE (Analysis, Design, Development, Implementation, and Evaluation) development design model. The subjects in this study are 8 students who are in grade VIII at Golden Gate Junior High School, Sorong City. The instruments used in this study are validation sheets, learning implementation observation sheets, teacher response questionnaires, student response questionnaires, and tests. The learning tool is valid if the results of the experts' assessment are at least in the "good" category. Learning tools are said to be practical if the results of teacher’s responses, student responses, and observations of learning implementation are at least in the "good" category. The learning tool is effective if the percentage of students who complete the critical thinking skills test and the math problem-solving ability test is at least 60%. This research produced online learning tools in Lesson Plan and E-Worksheet mathematics form based on local Papuan wisdom oriented to critical thinking skills and problem-solving skills of grade VIII junior high school students on flat-side space building materials. The validation results show that the product developed meets the valid criteria with a good category. The results of the test show that the product developed meets the practicality and effectiveness criteria. Practicality achieved the category “very good” based on teacher assessment, student responses, and the observation of learning implementation. Effectiveness achieves the effective category based on the test of critical thinking skills and mathematical problem-solving. The percentage of students who completed the critical-thinking skills test reached 87.50%, and the mathematical problem-solving ability test reached 75.00%.

This study examines the strategic role of Sharia Financial Institutions (LKS) in supporting economic growth and community empowerment in Medan City. Using a qualitative approach, this study highlights the contribution of LKS in empowering micro, small, and medium enterprises (MSMEs), increasing Islamic financial literacy, and financial inclusion. Results show that LKS have an important role in strengthening the community's economy despite facing challenges such as lack of literacy, limited digital services, and minimal government support. Development strategies include improving accessibility, socialization, product innovation, and government policy support. The findings confirm the importance of strengthening the role of LKS to encourage sustainable sharia-based economic growth in Medan City.

The birth of various Islamic financial institutions (LKS) shows that Islamic teachings cover the economic scope, including cooperatives in the form of Islamic finance These Islamic teachings must absolutely be obeyed and guided by all Muslims in making daily life activities, including in transaction and investment activities, Mashlahah refers to all forms of benefits or goodness that can bring prosperity to individuals and society in general.  without ignoring sharia values. For manufacturers of mashlahah formulations, it is an important challenge in carrying out production activities that not only pursue material profits, but also contribute to economic sustainability, social justice, and environmental preservation Qualitative descriptive research is aimed at describing and describing existing phenomena, both natural and man-made, that pay more attention to the characteristics, quality, and linkages between activities. In addition, descriptive research does not provide treatment, manipulation or alteration to the variables studied, but rather describes a condition as it is. The only treatment given is the research itself, which is carried out through observation, interviews from competent sources in their fields The imbalance between profits and benefits is one of the fundamental issues in the formulation of mashlahah for producers who are faced with pressure to maximize profits in a short time, which sometimes has the potential to sacrifice the principles of benefits caused by several factors, such as adopting strategies that are oriented towards short-term profits to meet financial targets or pressure from shareholders. As a result, the benefits are often overlooked. The imbalance between profits and benefits is an important problem for sharia-based cooperatives that lack understanding of the principles of mashlahah in Islamic business, such as avoiding riba and using a clear profit-sharing system on every transaction

The ever-increasing use of plastic bags has caused serious problems for the environment. Plastic waste is a material that is difficult to recycle and evaporate so that it can damage the environment. To overcome these issues, this community service activity conducts painting training on tote bags media as an alternative to reduce the use of plastic bags when shopping. This training aims to educate participants about the negative impact of plastic bags and provide skills and train creativity in creating bags that can be used repeatedly. This community service activity involved children from the LKS-A program at the Yayasan Sejubah Insan mulia. In this session, participants learned the techniques of painting and designing tote bags, so they not only gained knowledge, but also practical experience. The results of the training showed that participants became more aware of the importance of reducing the use of plastic and preferring tote bags as a replacement.