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The prospects of Islamic banking in Indonesia, when viewed from the real sector, are quite positive. Because, the operationalization of Islamic education does not matter! interest, and the income comes from the retum for the harvest! for projects financed or margin financing the sale and purchase of goods. In this way, it can be ascertained, that theoretically Islamic banking is very interested in encouraging the progress of the nile sector. The most important thing for Islamic banking is that no matter how advanced and developed it is, it will never leave the real sector, because it is from this sector that banking activities emerge. Unlike the conventional banking system, the monetary sector has grown far away from the real sector of Inl. This is because, with interest, money has shifted from just a medium of exchange to a commodity. 

Information technology has an important role in the continuity of business activities for MSMEs. The application of technology to build a business is called effective and efficient digital transformation for MSMEs. One form of digital transformation is in the aspect of recording transactions and finances called Point of Sale (POS). POS is an application in the form of an online cashier with integrated electronic transaction service features which is aimed at increasing the sustainable development of digital entrepreneurs or Digipreneurs through digital transaction services to analyze administrative and financial matters which can help MSMEs. This research aims to prepare for the digital transformation of MSMEs in using digital POS system applications using the I-TOE framework. This research is qualitative in nature with data collection techniques by conducting interviews with 6 MSMEs in Salatiga, Central Java. From the interview results, it can be concluded that through the I-TOE framework, it is known that the readiness for digital MSME transformation is influenced by several aspects (1) Type of business, (2) Age of the manager. (3) Human resources and (4) Environmental demands.

Criminal law is a branch of law that regulates crimes and violations and the sanctions that can be imposed on perpetrators. A good understanding of criminal law is very important for society to be able to avoid acts that violate the law and understand their rights and obligations as citizens. Criminal law is a collection of rules that determine what actions are prohibited and subject to criminal sanctions. Actions that are categorized as criminal acts can include crimes and violations.  Regarding this matter, it is deemed necessary by the Rotnama Village Government, Mdonahiera District, Southwest Maluku Regency to schedule it as a form of cooperation in implementing service to the Rotnama Village Community through socialization with the theme "Bacarita with the Rotnama Village Community" which in principle provides legal understanding and builds legal awareness to Rotnama Village community regarding various legal problems that occur and forms of resolution. The implementation of community service activities is carried out by the Lecturer Team at the request of the Head of Rotnama Village to collaborate in implementing community service activities for the Rotnama Village Community in order to provide an understanding of criminal law which is very important for every member of the community. By understanding criminal law, people can contribute to creating a safe and orderly environment and ensure that their rights are protected by law

Criminal law is a branch of law that regulates crimes and violations and the sanctions that can be imposed on perpetrators. A good understanding of criminal law is very important for society to be able to avoid acts that violate the law and understand their rights and obligations as citizens. Criminal law is a collection of rules that determine what actions are prohibited and subject to criminal sanctions. Actions that are categorized as criminal acts can include crimes and violations.  Regarding this matter, it is deemed necessary by the Rotnama Village Government, Mdonahiera District, Southwest Maluku Regency to schedule it as a form of cooperation in implementing service to the Rotnama Village Community through socialization with the theme "Bacarita with the Rotnama Village Community" which in principle provides legal understanding and builds legal awareness to Rotnama Village community regarding various legal problems that occur and forms of resolution. The implementation of community service activities is carried out by the Lecturer Team at the request of the Head of Rotnama Village to collaborate in implementing community service activities for the Rotnama Village Community in order to provide an understanding of criminal law which is very important for every member of the community. By understanding criminal law, people can contribute to creating a safe and orderly environment and ensure that their rights are protected by law

No matter where they are in the world, the government always seems to be worried about poverty. The issue of extreme poverty permeates all sectors of the economy, which is sometimes the fulcrum of the success of state governments, especially in developing countries. Knowing how changes in population and educational attainment affect poverty rates in South Aceh Regency is the driving force for this study. With poverty rate (Y) and population growth and education level (X) as independent variables in the multivariate linear regression model, this study draws its conclusions. The poverty rate in South Aceh Regency is greatly influenced by the findings of partial testing of factors related to the increase in the population. Based on the findings of the partial education level exam, the poverty rate in South Aceh Regency is affected. The findings from population and education level testing at the same time have a major impact on poverty rates.  There is a strong correlation between the rate of population growth and the level of education in South Aceh Regency and the poverty rate.

Islamic boarding school education plays a strategic role in producing a generation that excels not only in religious matters but also in economic independence through entrepreneurship. In the modern era, the creativity of students is an important indicator of the success of Islamic boarding school education because it can provide provisions in facing global challenges. Creativity is influenced by various factors, including entrepreneurship programs developed within the Islamic boarding school environment and the internalization of Islamic educational values ​​that shape innovative and ethical mindsets. Darul Hikmah Islamic Boarding School in Bangkalan is one institution that integrates these two aspects into its educational system. This study aims to: (1) evaluate the influence of entrepreneurship programs on students' creativity; (2) examine the influence of Islamic educational values ​​on creativity; and (3) assess the simultaneous influence of both on students' creativity. The study used a quantitative approach with an ex post facto design. A sample of 59 female students was selected using simple random sampling from a population of 590 students. Data were collected through questionnaires and documentation, then analyzed using simple and multiple linear regression tests with the help of SPSS. The results of the study showed that: (1) the entrepreneurship program had a significant effect on the creativity of students with a t value of 6.220 (p < 0.05); (2) Islamic educational values ​​also had a significant effect on creativity with a t value of 3.393 (p < 0.05); and (3) simultaneously, the entrepreneurship program and Islamic educational values ​​had a significant effect on the creativity of students with a F value of 26.117 (p < 0.05). The conclusion of this study is that the creativity of students can be increased through a balanced combination of entrepreneurship learning and internalization of Islamic educational values.

This article is entitled Analysis of the Implementation of Customer Relationship Management in Increasing Customer Loyalty at the LKMS-A Gapoktan Panampuang Prima Cooperative. Matters relating to behavior towards customers, how to serve customers, and all matters relating to customer behavior are part of Customer Relationship Management. In this study, the research used is field research which is descriptive qualitative in nature by collecting data through observation, interviews and documentation. Qualitative research is carried out to build knowledge through understanding and discovery. The results of this research, the implementation of Customer Relationship Management at LKMS-A Gapoktan Panampuang Prima is CRM designed to utilize information technology by developing a continuous relationship with customers by maximizing four dimensions, namely planning, People, Process. , Technology. Which can be seen in the LKMS-A Gapoktan Panampuang Prima which has maximized these four dimensions. Meanwhile, the obstacle faced by the LKMS-A cooperative is the difficulty in increasing the number of customers due to the large number of competing institutions nearby. However, these obstacles can be overcome by improving service quality, increasing trust, increasing satisfaction, and building a better company image.    

This study evaluates the educational assistance program carried out by KKN Post 50 students from UIN Walisongo Semarang in Wungurejo Village, Kendal, with the aim of improving the quality of education and children's learning motivation. This program includes various activities such as KKN Teaching, Scholar Village, and KKN Edu-Competition, which adopts the Participatory Learning and Action (PLA) method to encourage active interaction between students and the community. Despite the challenges of equal distribution of participants, activities such as calligraphy and smart learning succeeded in attracting the interest of children, who felt that it was helpful in understanding the subject matter and was more motivated to learn. Positive responses from parents and teachers show that the presence of KKN students contributes to overcoming the shortage of educators and increasing children's enthusiasm for learning. The results of the evaluation show that this activity is effective and has a positive impact, and it is hoped that it can continue to be developed to improve the quality of education in the village.

This research attempted to analyze the impact of financial and economic shocks in a number of developing countries that are similar in terms of the size of the economy and the diversity of its economic structure, as well as the similarity in the quality of the exchange systems used to demonstrate the extent of the monetary authorities’ ability to target inflation in light of the occurrence of shocks of various types and forms during the research period, in addition to This is an indication of the extent of the diversity of the economy and its connection to those shocks, as the oil sector constitutes a large portion of the gross domestic product of the countries of the research sample, with this being lower for the Emirati economy, and this matter made the Iraqi economy to be more affected by the economic crises and shocks that occurred during the period of the study compared to other economies. Saudi Arabia and the Emirates, where the Saudi economy comes in second place in terms of being affected by these shocks, followed by the Emirati economy, which had the least impact. The research variables (inflation, public revenues, and gross domestic product) were also closely linked to the occurrence of both positive and negative financial and economic shocks. When countries face a positive economic shock, the economic situation in the sample countries improves, and the research variables tend to increase, and vice versa when those countries face a shock. Negative, taking into account the varying rates of impact and response, especially with the UAE economy.

Stunting in Batu Belanak Village has been widespread since 2023. There are three villages in Suak Midai District, these three villages are Batu Belanak Village which holds the highest ranking for stunting problems. Batu Belanak village has 7 stunted children, 4 people in Gunung Jambat village and 6 people in Air Kumpai village. Therefore, there needs to be a responsible role for the village government in this matter. The aim of this research is to find out how the Village Government handles stunting in Batu Belanak Village. This research uses a qualitative approach method. Data collection techniques include observation, interviews and documentation. This research uses according to Ryas Rasyid which consists of the Government's Role as Regulator, the Government's Role as Dynamisator, and the Government's Role as Facilitator. The results of the findings are that the role of the village government in handling stunting is carried out by the village government is quite good, both from the role of the Government as a Regulator, the Village directs it to socialize with the community so that it becomes better. The government has added a program for stunted children in the form of vitamins. The role of the Government as a village government dynamist provides good new innovations. Findings for the role of the dynamist include the community not being timely when there is socialization. The government's role as a facilitator is quite good and appropriate in handling stunting in Batu Belanak village.

The phenomenon of poverty often occurs in every country, especially in developing countries. The level of poverty in a country depends on two main factors, namely the average level of national income and the width of the income distribution gap. Poverty cannot only be measured through income national per capita because per capita income calculates the average income of people in a country. The high level of per capita national income in a country, if the distribution of income is unequal then the level of poverty in that country cannot be avoided, and vice versa, no matter how equal the distribution of income in a country is, if the average level of national income is low, then poverty will also become more widespread. This research aims to determine the effect of minimum wages, farmer exchange rates, and inflation in the primary sector, secondary sector and tertiary sector on poverty on the island of Java. This research uses quantitative research methods using secondary data sourced from the Central Statistics Agency (BPS), using panel data analysis techniques.  In this research, it was found that economic factors such as the Provincial Minimum Wage (UMP), Farmer Exchange Rate (NTP), and the inflation rate had a significant influence on the poverty level on the island of Java in the 2017-2022 period.

Children are the future generation of the nation that must be protected, especially when dealing with the law. The difficult navigation route passed by children who are suspects of criminal acts has depicted sadness in children that can disturb the child's mental state, in order to avoid this possibility, another method has emerged in child criminal acts, namely restorative justice (diversion) which is in accordance with the principle of ultimum remedy in criminal law. This study aims to understand the concept of implementing restorative justice which is associated with the principle of ultimum remedy, where this study works using qualitative methods and is sorted in descriptive, so that concrete solutions can be found regarding the matter being studied. The results of this study found a match between the concept of restorative justice and the principle in criminal law, namely ultimum remedy where criminal witnesses are the last step in handling child criminal acts. However, in its application, several obstacles were found, one of which was due to the different meanings of justice between the parties.    

Study This study about policy Islamic monetary , which includes base theoretical , implementation in various countries, as well its impact and effectiveness . Policy Islamic monetary , which is based on principles sharia like prohibition usury , emphasis on sectors real , and principle for result , aim For create stability economy and justice socio-economic . The implementation varies in different countries, with some countries implement it system Islamic finance​ full and others using a hybrid model. Research methods used​ is review literature , which involves collection , analysis , and synthesis various source secondary like books , articles journals , and reports relevant research .​ Research result show that policy effective Islamic monetary in control inflation , pushing growth sustainable economy , and improve stability finance . However , challenges still There is in matter standardization practice between countries and integration with system global finance . This study emphasize importance innovation instrument finance sharia and improvement Work The same international For increase effectiveness policy Islamic monetary future .  

Financial recognition is the basis that encourages companies to report losses early and delay revenue recognition. Conservatism affects the quality of the main indicators reflected in financial reporting. The method used in this research is Structured Literature Review (SLR), where the data sources are obtained from Semantic School, Sinta Journal, and Google School for the publication years 2018 to 2024. Next, filtering is carried out to match the subject matter, resulting in 50 journals that will be analyzed systematically. So the results of the research state that a level of debt has a good influence on financial recognition, even though the level of financial difficulty has a positive but negative effect on accounting conservatism. So it indicates that a manager who has a high level of debt leads to more conservatism in their financial reporting to meet the interests of creditors, while companies experiencing difficulties tend to be less conservative.

Tax is an important source of income for the state because it plays a major role in the development of the country. However, taxes that must be paid through tax evasion violations must still be reduced. Indonesians are very social, so that increasing tax evasion is considered normal, especially for matters relating to personal taxes. This study investigates how religiosity, love of money, and fairness of the tax system impact tax evasion. This study uses a Structural Literature Review (SLR) to systematically analyze a number of articles published from 2018 to 2024. The literature is categorized based on relevant concepts and then grouped as incongruent themes to discuss additional issues about the influence of religiosity, love of money, and fairness of the tax system on tax evasion. The results and discussion show that Religiosity, Love of Money, and Fairness of the Tax System have a significant effect on tax evasion.

One of the most important management tools is resources. All levels of management should realize the importance of human resources. No matter how sophisticated technology is today, the human factor still plays an important role in the success of an organization. It can even be said that management is essentially human resource management. Human resources are employees, employees, workers or people who work. This research uses a qualitative descriptive approach associated with a literature review study. Qualitative research methods are methods or research to investigate and understand a key indicator. The data collected in this study were analyzed using research articles published in reputable national and international journals, books, magazines, and conferences. For the initial preparation of this article, a research method was selected that serves as a starting point for researchers interested in the topic. The results of this study The importance of human resource planning is measured by the department's operations which cannot be separated from the need to obtain quality human resources so that with better and more precise human resource planning, the right people can be appointed to the right positions and more easily identified. The combination of human resource planning and strategic planning is one of the innovations that many business people and industry experts are doing to improve the quality of human resources.

Crime cases are a common problem for many countries around the world. It doesn't matter whether the country is a developed country, a developing country or a poor country. In Indonesia itself, there are still many cases of crime, many of which are caused by economic problems such as income inequality, poverty, high levels of unemployment, and low levels of education which can influence crime itself. By knowing whether these economic problem variables influence crime or not, the crime problem in Indonesia can be addressed better. This type of research is included in quantitative research. In this research, we will examine economic inequality, poverty levels, education levels and unemployment rates on crime in Indonesia in 2013-2023. The data used in this research is secondary data, namely data obtained from a second source during the period 2013 to 2023. The type of data used in this research is time series data. The data in this research were obtained from publications from the Indonesian Central Statistics Agency. The data collection method uses the documentation method, namely the method of collecting data on economic inequality, poverty levels, education levels, unemployment and crime rates which is carried out by taking data from various documentation or publications from the Central Statistics Agency (BPS). The research results obtained were that economic inequality had an insignificant positive effect on the crime rate, while the level of education, poverty level and open unemployment rate had an insignificant negative effect on the crime rate.

The government's role in Islamic economics is very significant, not only in regulating public aspects in accordance with Islamic principles, but also in financial matters such as managing basic needs, creating jobs, and maintaining the stability of the value of money. Public authorities need appropriate arrangements to steer the economy in the desired direction. One of the strategies used is financial regulation, which aims to control the money supply so that economic growth is stable, the cost of living is affordable, and jobs are available. This research aims to explore how the financial approach works from an Islamic perspective in depth. In the context of Islamic economics, the task of public authorities is to ensure that Islamic principles apply in terms of free income, interest-free economy, and money management in accordance with Islamic principles. Financial regulatory instruments also go beyond the use of open markets and custody of money, including in terms of distribution of credit, proportion of advances, and benefits in accordance with Islamic rules. This journal explores the relationship between monetary policy and economic development from an Islamic perspective. The focus is on the government's role in regulating monetary policy to achieve stable and sustainable economic growth in accordance with Islamic principles. The discussion includes financial management strategies that include controlling the money supply, stability of the value of money, and development of an interest-free economy. By considering the basis of free income in Islamic economics, this journal also highlights monetary policy instruments that are in accordance with Islamic values, such as credit distribution and benefit proportions that follow Islamic rules. This research aims to provide in-depth insight into how monetary policy can be implemented effectively in the context of Islamic economics, as well as implications and suggestions for sustainable economic development from an Islamic perspective.

Rapid technological advances are affecting various fields, one of which is education. Education cannot be separated from the progress that occurs. As an innovator, teaching in schools should be carried out by following all existing changes. In fact, students' digital literacy abilities are known to be in the low category so that each individual's learning needs are not achieved optimally. The aim of this research is to analyze how utilizing rapidly developing information and communication technology can help students meet their learning needs. Digital literacy is a form of ability to obtain, understand and use information originating from various sources in digital form. Literacy itself in the educational context plays a role in developing a person's knowledge of certain subject matter as well as encouraging curiosity and developing their creativity. This is what requires students to have literacy or the ability to process and understand good information to study and understand. With the rapid development of technology, it allows students to access information more easily. Digital literacy is also very necessary to overcome the problem of the ever-increasing explosion of information in digital sources. Society is now faced with very rapid technological developments. People are also required to sort and select information that is appropriate to the actual situation. Exposure to various kinds of information from the media makes most people doubt whether information is true or not. So with this phenomenon, media literacy knowledge is really needed as the ability to process information. This research method uses interviews with PPKn teachers in the city of Medan. The interview was conducted to see the extent of efforts made by PPKn teachers in increasing students' digital literacy. The result is that good digital literacy skills can enrich oneself with knowledge by actualizing oneself in these technological advances. The role of teachers in this case certainly cannot be replaced, but teachers can guide the extent to which students can utilize technology on the positive side and the extent to which they can minimize the possibility of deviating from the use of this technology.

The objective of this study is to assess the performance of the DANA application as an electronic wallet and analyse the effect of managing the application's securities on user decision-making when using the application in the setting of the digital economy based on the sovereignty of the Unitary State of the Republic of Indonesia (NKRI). The study method employed was a qualitative literature review. The data was acquired by consulting relevant scholarly publications on Google Scholar to thoroughly comprehend the advancement of knowledge about the subject matter and identify areas of research that require further exploration. The hypothesis analysis revealed a significant correlation between the advantages of the digital economy, the growth of the digital economy, and the factors affecting the utilisation of E-Wallets or Dana apps within the Homeland. The development of the digital economy enhanced a nation's ability to withstand challenges by promoting economic sovereignty, cybersecurity and inclusive economic growth. Various factors, including data security and the rise of the digital economy, affected the utilisation of Dana applications. In addition, these factors affected the execution of national values. Utilising the Dana application as a digital wallet strengthened the nation's economic sovereignty and enhanced well-being and financial inclusivity across all segments of Indonesian society. Hence, comprehending the security management of the application and users' perspective regarding it is crucial in affecting users' trust and their decision to embrace the Dana application as their preferred E-Wallet for supporting the NKRI sovereignty-based digital economy.