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This article discusses backbiting in the perspective of hadith. Every human being is required to always do good, be kind, not to hurt people, or to gossip about others. But in reality backbiting seems to have become commonplace in today's society and can cause tension in a society, namely dialogue about other people or negative stories about someone and in religious (Islamic) language it is called backbiting. This study aims to discuss backbiting according to the hadith perspective. This study uses a qualitative approach by applying the thematic method. The formal object of this research is the definition and prohibition of backbiting which are formulated based on hadith themes. The material object of this research is the case. The prohibition of backbiting in the hadith above aims to maintain harmony in social life. The results of this study indicate that hadith themes can be formulated within the theoretical framework of curiosity from a hadith perspective. The discussion of this study explains that curiosity is relevant to aspects of positive mental health and one's well-being which includes digging for information, exploration, asking anyone who can fulfill one's curiosity about something he feels he needs.

The industry in Indonesia has experienced significant development both online and offline, including the fashion industry, which has also undergone rapid growth. This development inevitably alters consumer behavior toward products in the market. One consumer behavior that requires attention is impulse buying, which refers to unplanned purchases. Impulse buying occurs due to emotional factors, which are also influenced by the store atmosphere, prompting spontaneous purchases. This study aims to examine and analyze the role of positive emotion in mediating the relationship between store atmosphere and impulse buying. The research was conducted among customers of the Uniqlo store at Bali Galeria Mall, with a sample size of 160 respondents selected through purposive sampling. Data collection was carried out using questionnaires. The analytical techniques employed include the Classical Assumption Test, Path Analysis, Sobel Test, and Variance Accounted For (VAF) Test. The analysis results indicate that: Store atmosphere has a positive and significant effect on impulse buying, Store atmosphere has a positive and significant effect on positive emotion, Positive emotion has a positive and significant effect on impulse buying, Positive emotion mediates the effect of store atmosphere on impulse buying. The theoretical implications of this study support previous research findings from the perspective of Consumer Behavior Theory. The practical implications provide guidelines for managers and staff at the Uniqlo store at Bali Galeria Mall to enhance customer impulse buying by leveraging store atmosphere and positive emotion.

This research examines the consumptive style of Gen Z through TikTok Shop in purchasing fashion products, especially clothes. The background of the research focuses on the dominance of social media that influences the consumption patterns of the younger generation. The research uses a phenomenological approach to understand students' experiences in shopping at TikTok Shop. Data collection techniques include observation and in-depth interviews. The results show that TikTok Shop utilizes personalization algorithms, creative video content, and massive promotions to attract the attention of Gen Z. Purchasing decisions are often influenced by trends, influencer recommendations, and discounts that create a FOMO (Fear of Missing Out) effect. While offering convenience and an interactive shopping experience, this impulsive consumption pattern poses the risk of product quality disappointment and unplanned spending. The implications of this research highlight the need for consumer education to raise awareness about wise shopping. In addition, industry players are expected to design ethical and sustainable marketing strategies to support more rational consumption behavior. 

Consumptive behavior is the activity of spending one's finances based on desires without thinking about needs and not accompanied by logical decision making. Consumptive behavior is commonplace among students and staff at a university, they always follow current trends and make purchases because of attractive promotions. The aim of this research is to find out the influence of the use of online shops, digital promotions, lifestyle and self-control on the consumer behavior of the FEBI UIN Jambi Academic Community. This research was carried out using a quantitative descriptive approach and carried out direct observations in the field, as well as using the SPSS 29 tool. The results of this research were that there was no significant influence on the variables of online shop use and self-control on consumer behavior because the results obtained were 0.340 > 0.05 and 0.728 > 0.05, but in the digital promotion and lifestyle variables there is a significant influence on consumer behavior because the results obtained are 0.001 > 0.05. And a simultaneous influence was found between the variables of online shop use, digital promotions, lifestyle and self-control on consumer behavior. And there is a joint influence of the variables of online shop use, digital promotions, lifestyle and self-control on consumer behavior. And the influence of variables X1 (Use of Online Shop), X2 (digital promotion), X3 (lifestyle) and This  

This research examines conflict management strategies in the adaptation process of new students at the Ra'iyatul Husnan Bondowoso Islamic Boarding School. As traditional Islamic educational institutions, Islamic boarding schools often face various adaptation challenges experienced by new students, such as homesickness, conflicts between individuals, pressure from busy routines, and unpleasant treatment from senior students. Using a qualitative descriptive approach, this research identified various obstacles to adaptation, including loss of items and difficulty adapting, as well as resolution strategies which included introduction to the Islamic boarding school environment, mentoring programs, and providing motivation. Research findings show that positive interactions between students and the humanist approach of Islamic boarding school administrators play an important role in helping new students adapt and minimize conflict, both internal and between individuals.

Masita Wahyuni Asih 2024, The Effect of Non Performing Loan (NPL), Return on Asset (ROA), and Capital Adequacy Ratio (CAR) on Price to book value (PBV) at BUMN Banks listed on the Indonesia Stock Exchange for the 2018-2023 Period. Makassar STIM-LPI Management Science Study Program (supervised by Fausiah, S.E., M.Si. and Andi Herman Tellu, S.E., M.M.). The purpose of this study was to determine the effect of Non Performing Loan (NPL), Return on Asset (ROA), and Capital Adequacy Ratio (CAR) on Price to Book Value (PBV) at BUMN banks listed on the Indonesia Stock Exchange both partially and simultaneously. Price to Book Value (PBV) is the dependent variable (Y), and three independent variables (X) are used, namely Non Performing Loan (NPL), Return on Asset (ROA), and Capital Adequacy Ratio (CAR). Saturated sampling was used to obtain secondary data from a population of 4 banking companies listed on the Indonesia Stock Exchange. Descriptive statistics and classical assumptions, such as multicollinearity assumption and heteroscedasticity assumption, have been tested in relation to the research findings. The data analysis approach uses panel data regression, hypothesis testing, and the Fixed Effect Model (FEM) test. The partially tested study results show that while non-performing loans (NPLs) do not affect price to book value (PBV) significantly, there are return on assets (ROA) and capital adequacy ratio (CAR) that do. The findings of this study also simultaneously show that PBV is significantly affected by NPL, ROA, and CAR.

The purpose of this study is to determine the application of Entrepreneurial marketing in Gombengsari POKDARWIS MSMEs using a qualitative approach through in-depth interview methods at the manager of the Gombengsari POKDARWIS MSMEs. Researchers want to obtain an overview related to the application of the concept of Entrepreneurial marketing in ensuring business continuity in the tourism sector, especially wellbeing tourism as one of the leading tours in the Gombengsari Banyuwangi area. The concept of Entrepreneurial marketing as a strategy that combines skills and understanding of entrepreneurship and marketing as a whole related to creative and unplanned marketing activities in an increasingly competitive and unstable business environment so that it is expected that Entrepreneurial marketing will be one of the main factors in maintaining and developing strategies for business continuity in the tourism sector which is very vulnerable to changes both social and economic and political. Based on interviews and findings at POKDARWIS Gombengsari MSMEs, the application of entrepreneurial marketing really helps these MSMEs to survive and bounce back after experiencing a decline and even a vacuum during the pandemic by combining creativity and understanding of consumers who have visited, a new program is created that is more attractive to tourists who have never previously offered the new program. Keyword : Entrepreneurial marketing, business sustainability, wellbeing tourism

The purpose of this study is to evaluate and study how Non-Performing Loan (NPL), Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Operating Costs to Operating Income (BOPO) affect credit distribution. Quantitative research uses secondary data from the financial statements of banking service companies listed on the Indonesia Stock Exchange in 2018–2022. A sample of 235 companies was collected through a purposive sampling method. Data was processed using the SPSS application. Multiple linear regression analysis was used to conduct this analysis. The results of the study showed that the Non-Performing Loan (NPL) Third Party Funds (TPF) variable with credit distribution did not have a significant positive impact. The Capital Adequacy Ratio (CAR) and Operating Costs to Operating Income (BOPO) variables had a significant negative impact on credit distribution, while the Loan To Deposit Ratio (LDR) variable had a significant positive impact.

Yangko cake is a semi-wet food made from glutinous rice flour with the addition of a sugar solution. In order to improve the characteristics of the yangko cake, an ingredient is added, namely kidney bean flour and cinnamon extract. Kidney beans are one type of legume that has a high protein source so it can add nutritional value to food products. Kidney bean has an unpleasant taste, therefore it needs to be balanced with the addition of cinnamon extract, which is expected to reduce the unpleasant flavor of the yangko cake which consumers preferred. The experimental design used is a CRD, with the first factor being the ratio of glutinous rice flour and kidney bean flour with a ratio of 90:10, 80:20, and 70:30. The addition of cinnamon extract in various amounts (2 ml, 4 ml, and 6 ml) was the second element. The inclusion of substitute glutinous rice flour and kidney bean flour, coupled with the variation of cinnamon extract produced yangko cake with 3,80% fiber content and 5,76% protein content.  Chemically, physically and organoleptically, the best product from several formulations of the yangko cake was with 70:30 of glutinous rice flour to kidney bean flour and 6 ml of cinnamon extract, with 47.98% water content, 0.66% as content, 31,36% total sugar content and with a hardness of 28.82 N, a gumminess of 4.92 N, a chewiness of 2.28 N then a cohesiveness of 0.64 Ns.  The organoleptic characteristic of the yangko cake was the most preferred by the panelists, with a value of 3,76 (preferred). The yangko cake substitusion of glutinous rice flour and kidney beans with the addition of cinnamon extract is a food ingredient  that has quite high protein and fiber.

The modern Arab nation, usually referred to as a global society, is certainly different from the Arab nation during the time of the Prophet Muhammad. The difference lies in following the geo-culture that it experiences to continue its existence in the arena of international competition. Modern Arabs have been compressed in ethnolinguistics that are far from being generally Muslim so that the facts that occur are still common among those who are not Muslims. In their religious understanding, the Modern Arab nation seems monolithic and is not dominated by certain doctrines to develop its teachings. So, it is commonplace to find among them various variants, both cultural, political and governmental, to strengthen their existence.

Energy efficiency has become a critical focus in manufacturing plants due to rising operational costs and increasing environmental concerns. The growing importance of energy management is driven by the need to reduce energy consumption, lower emissions, and enhance overall operational efficiency. Traditional maintenance practices, such as reactive and preventive maintenance, often lead to unnecessary downtime, high repair costs, and inefficient energy usage. In contrast, predictive maintenance (PdM), supported by Internet of Things (IoT)-enabled sensor networks, offers a proactive approach to minimizing energy waste by predicting equipment failures before they occur. This study develops a predictive maintenance framework using IoT-based sensor networks to optimize energy usage and reduce energy losses in manufacturing plants. The research begins with an overview of IoT sensor network architectures and their applications in industrial automation, including sensors such as temperature, vibration, and pressure sensors. It explores predictive analytics techniques, such as machine learning and artificial intelligence, used for failure prediction, which are key to enhancing energy efficiency. The study emphasizes how predictive maintenance contributes to industrial sustainability by reducing carbon footprints and optimizing energy consumption. The research methodology involves the installation of IoT sensors in critical machinery, real-time data analysis using machine learning algorithms for failure prediction, and energy consumption measurement before and after implementing IoT-based interventions. The results show significant improvements in energy consumption efficiency and operational productivity. Predictive maintenance led to reduced unplanned downtime, increased equipment reliability, and a more sustainable manufacturing process. However, challenges such as sensor integration, initial setup costs, and data security concerns were identified. The study concludes with recommendations for integrating IoT-based predictive maintenance systems into manufacturing plants to further optimize energy usage and promote sustainability.

Currently, e-commerce is increasingly in demand by various business groups, both large and small scale. This is due to the ease of promotion through online media or digital marketing, which makes it easier for business people to reach consumers to introduce or sell their products. This research aims to understand the impact of using e-commerce for MSME business actors. Data was collected through semi-structured interviews with MSME players who have used e-commerce to market their products. Data from these interviews were analyzed using the *thematic analysis* method which aims to identify patterns and find themes based on the data collected (Braun and Clarke, 2006). The research results show several categories related to the use of e-commerce by MSMEs, including individual abilities, reasons for not switching to other e-commerce platforms, as well as obstacles experienced such as infrastructure, technology, promotions, and unpleasant experiences faced by MSMEs when using e-commerce. commerce.  

A serious problem faced by the Indonesian people is the orientation of the current education system which focuses too much on developing the left brain (cognitive) and pays too little attention to developing the right brain (affective, empathy and feeling). The learning process is passive and rigid, which makes it unpleasant for children. Subjects related to character education (such as character and religion) emphasize the left brain aspect (memorization, or just knowledge) in practice. This can damage children's character and hinder their creativity. In fact, character formation must be carried out systematically and continuously involving aspects of knowledge, feeling, loving and acting. Character formation can be likened to the formation of a person into a body builder (bodybuilder) who requires continuous moral muscle training to become sturdy and strong. Apart from that, the success of character education must also be supported by a good and enjoyable educational environment for children. Character education is needed not only at school, but also at home and in social environments.

The purpose of this study was to examine the factors that influence the lack of Integrity of Elder Service in GKPPD Buluh Tellang. This study uses a descriptive qualitative approach method by conducting interviews with elders in GKPPD Buluh Tellang. The results of the study showed that there were two factors influencing elders, namely internal factors and external factors in carrying out service duties in the church, they must have the intention and courage to serve or carry out God's calling so that through the courage of the elders in GKPPD Buluh Tellang they do not forget the eldership received through external factors. pastoral care is very important in increasing the activeness of the elders in carrying out service, so that through interviews that have been conducted by the author that the elders already have an understanding of their goals as elders and with encouragement from external factors the elders carry out their duties and obligations as good servants and are increasing. The conclusion is that it shows that some elders lack confidence in carrying out their duties and responsibilities as servants because there are several things, namely the lack of confidence of the elders in leading worship (not PD), low human resources of the elders, lack of encouragement or motivation and support from the family and the most unpleasant is the political factor.

The increase in population has an impact on increasing waste, including cooking oil waste known as used cooking oil. This used cooking oil is not always thrown away, but can also be reused. However, improper disposal of waste cooking oil can cause environmental problems. Used cooking oil is a type of waste that can pollute the environment by increasing COD (Chemical Oxygen Demand) and BOD (Biological Oxygen Demand) levels in the water. Apart from that, this oil can also cause an unpleasant odor due to the biological degradation process. Currently, used cooking oil is often thrown directly into the drain. This research was conducted in Wonorejo Village, Surabaya, with data collection methods in the form of questionnaires, field observations and interviews as primary data, as well as a general description of the area and related literature as secondary data. The results of the analysis show that there are variations in views and practices in managing used cooking oil among respondents. The level of public awareness about the importance of managing used cooking oil to support the zero waste concept varies. The majority of respondents (64%) stated that the main responsibility for managing used cooking oil lies with the users themselves.

The people of Pecekelan Village, Sepuran District, Wonosobo Regency, Central Java, face a unique challenge in the form of an unpleasant odor from cattle pens adjacent to settlements, reflecting a strong agrarian life but interfering with daily comfort. In response to this situation, the Community Service Lecture (KPM) team from the University of Al-Quran Science developed an innovation in making aromatherapy candles made from used cooking oil as a natural solution to eliminate the smell of cages. This initiative not only aims to overcome the odor problem, but also to utilize household waste into useful products, create economical and environmentally friendly solutions, and improve the quality of life of village communities. This program is carried out through a series of activities including socialization, aromatherapy candle making training, product trials, and basic entrepreneurship training. Early results show effectiveness in reducing cage odors, improving home comfort, and creating a healthier environment. Furthermore, this program increases public awareness about waste management, encourages active participation in maintaining environmental cleanliness, and opens up new economic opportunities. This simple but impactful innovation has the potential to be applied in other areas with similar problems, promoting a sustainable approach in addressing environmental challenges at the household level while empowering local communities.

Maintenance is an activity to prevent damage from an early age that will occur by periodically inspecting equipment using sensors and sophisticated tools. Docking is a process of moving ships from seawater to docking with the help of docking facilities. A shipyard is a place that will later be used to carry out the process of building ships/repairing and maintaining ships. The implementation of ship maintenance on dock requires planned maintenance management by the owner of the ship. In terms of the implementation of maintenance work comes into two: planned and unplanned. An overview of the implementation of docking that occurred on MT ships. NGAGEL SO. As a result, the ship ran aground and ignored the recommended maintenance. The importance of care management carried out must be in accordance with the guidebook. There is support from ship owners to support the maintenance system on the ship. Implement a care management system that complies with maintenance rules. Treatment that is done in accordance with regulations, can help increase the life of the equipment to be used and reduce repair costs and time efficiency.  

The development of increasingly advanced technology has a major influence on the world of the communications industry and has led to competition between smartphone manufacturers. They compete to produce advantages in products that will be marketed. The number of iPhone users among students has become commonplace, when they buy a product, of course, they do not only see the advantages offered, but they also see the brand they will buy and country of origin, perceived quality and brand image are factors that cannot be underestimated in influencing purchase decisions through customer trust. This research uses quantitative methods with a sample size of 100 respondents. Data sources are primary data and secondary data, primary data obtained from the distribution of questionnaires. This study uses probability sampling with random sampling technique. For the data analysis process using the Smart-PLS version 4.1.0.3 processing tool. Based on the results of research on direct effects, it shows that perceived quality and brand image do not have a significant effect on purchase decisions, while country of origin has a significant effect. The indirect effect shows that customer trust does not mediate the relationship from the influence of country of origin and brand image on purchase decisions, but customer trust is able to mediate the relationship from the influence of perceived quality on purchase decisions.    

This study provides a comparative analysis of the regulatory frameworks governing Buy Now Pay Later (BNPL) services across ten ASEAN countries: Indonesia, Malaysia, Singapore, Thailand, the Philippines, Laos, Brunei Darussalam, Vietnam, Myanmar, and Cambodia. As BNPL services rapidly expand throughout the region, understanding the diverse regulatory landscapes and their implications becomes increasingly critical for fostering financial stability, consumer protection, and innovation in the digital financial ecosystem.  Utilizing a literature review methodology, the research examines existing regulations, legal frameworks, and market trends, assessing their impact on financial stability, consumer protection, and fintech innovation.  Singapore is identified as the leader in regulatory practices, effectively balancing fintech innovation with stringent consumer protection. Indonesia and Malaysia emphasize financial inclusion and systemic risk management, with Indonesia's framework focusing on transparency and financial literacy. Thailand and the Philippines are refining their frameworks, while Myanmar, Laos, Brunei, Vietnam and Cambodia are still developing their regulatory approaches. BNPL services, driven by growing e-commerce and fintech ecosystems, offer significant opportunities for financial inclusion but also pose challenges related to over-indebtedness, credit risk, and data protection. The analysis emphasizes that while BNPL presents significant opportunities for financial inclusion and fintech innovation, effective regulation is critical to ensuring sustainable growth and protecting consumers from debt traps and financial instability.

The development of the banking industry in Indonesia is highly regarded, making the presence of banking institutions essential. It is known that the banking industry plays a strategic role in supporting the implementation of national development to enhance equitable development. To become a sufficiently good bank, measuring performance as an indicator of success is an absolute requirement. This research aims to determine whether the Risk Based Bank Rating approach can measure Financial Performance and the Risk Based Bank Rating moderated by Capital Structure can measure Financial Performance. Case study of state-owned banks listed on the Indonesia Stock Exchange in 2019-2022. This research uses secondary data and research methods used is quantitative. The results show that Non-Performing Loans have a negative impact on financial performance, the Loan to Deposit Ratio (LDR) has a significant impact on Return On Assets (ROA), the Net Interest Margin (NIM) has a positive and significant impact on financial performance measured by Return On Assets (ROA). Operating Expenses to Operating Income (BOPO) has a negative and significant impact on financial performance measured by Return On Assets (ROA). The Capital Adequacy Ratio (CAR) has a significant impact on financial performance. Capital Structure has a significant impact on Non-Performing Loans (NPL) compared to financial performance. Capital Structure significantly affects the Net Interest Margin (NIM) concerning financial performance. The capital structure between operating expenses and operating income can influence a company's performance.