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This study aims to determine the effect of the deep learning learning approach on fourth-grade elementary school students’ understanding of IPAS concepts, particularly on the topic of pollination in perfect flowers. This research employed a quantitative approach with a quasi-experimental design using a pre-test and post-test control group design. The population consisted of all fourth-grade students of SDN 4 Muara Dua, totaling 58 students, who were divided into experimental and control classes through total sampling techniques. Data collection techniques included tests, observations, and documentation. The research instruments were tested for validity and reliability before being implemented in the study. The results revealed that the implementation of the deep learning approach had a positive effect on students’ understanding of IPAS concepts. This was indicated by the higher post-test scores achieved by students in the experimental class compared to those in the control class. In addition to improving conceptual understanding, the deep learning approach also enhanced students’ critical thinking skills, activeness, and participation during the learning process. Therefore, the deep learning learning approach can be considered an effective alternative strategy to improve elementary school students’ understanding of IPAS concepts.

Logo merupakan identitas visual yang memiliki peran penting dalam membangun citra dan meningkatkan daya saing suatu usaha, termasuk pada sektor Usaha Mikro, Kecil, dan Menengah (UMKM). Namun, masih banyak pelaku UMKM yang belum memiliki logo yang menarik dan representatif, seperti yang terjadi pada UMKM Maira Produksi di Kota Bima. Kegiatan ini bertujuan untuk meningkatkan pemahaman dan keterampilan pelaku UMKM dalam merancang logo usaha sebagai bagian dari strategi branding dan pemasaran produk. Metode pelaksanaan yang digunakan adalah pelatihan dengan pendekatan partisipatif melalui penyampaian materi dan praktik langsung pembuatan desain logo. Pelatihan dilaksanakan selama dua hari di rumah pelaku usaha. Hasil kegiatan menunjukkan bahwa peserta mampu memahami konsep dasar desain logo serta berhasil membuat logo yang sesuai dengan karakteristik produk masing-masing. Selain itu, kegiatan ini juga meningkatkan kreativitas dan inovasi pelaku usaha dalam mengembangkan identitas produk. Dengan demikian, pelatihan pembuatan logo ini memberikan kontribusi positif dalam meningkatkan kualitas branding, daya tarik produk, dan daya saing UMKM di pasar.

The development of halal tourism has encouraged sharia hotels to provide services that are not only comfortable and functional, but also consistent with Islamic values and halal assurance. This study aims to analyze the integration strategy between sharia hotels and halal restaurants in increasing guest visits and satisfaction at Mangkuto Sharia Hotel Payakumbuh. This research employed a qualitative approach with a case study design. Data were collected through in-depth interviews, observations, and documentation involving hotel management, operational employees, guests, sharia certification experts, and representatives of the local government. The data were analyzed descriptively and strengthened through strategic analysis using the Resource-Based View (RBV), Value Chain, SWOT analysis, IFAS-EFAS matrix, TOWS matrix, and Blue Ocean Strategy. The findings reveal that service integration was implemented through sharia-based operational policies, halal assurance systems in restaurant activities, and cross-departmental coordination between the front office, housekeeping, and food and beverage departments. This integration created added value in the form of physical comfort, emotional trust, and spiritual peace for guests. Internal hotel data also indicated an increase in occupancy rates from 26% in 2020 to 52% in 2024 following the implementation of the sharia concept and halal restaurant integration. Strategic analysis positioned the hotel in Quadrant I (aggressive growth strategy), supported by its halal reputation, Islamic organizational culture, guest trust, and its uniqueness as the first sharia hotel in West Sumatra certified by the National Sharia Council–Indonesian Ulema Council (DSN-MUI). The implication of this study shows that the integration of sharia hospitality can serve as a competitive product strategy rather than merely a compliance instrument, while also supporting the development of regional halal tourism.

Sekolah Menengah Kejuruan (SMK) dituntut menghasilkan lulusan yang siap kerja dan mampu beradaptasi dengan perkembangan industri. Namun, proses pembelajaran akuntansi di beberapa SMK di Kabupaten Karawang masih didominasi metode konvensional yang berpusat pada guru dan belum sepenuhnya menerapkan pembelajaran berbasis pemecahan masalah sesuai kebutuhan dunia kerja. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk memperkuat kompetensi guru akuntansi melalui pembelajaran berbasis Design Thinking. Metode pelaksanaan menggunakan pendekatan pelatihan partisipatif yang meliputi identifikasi kebutuhan, perencanaan program, pelaksanaan pelatihan, pendampingan, dan evaluasi kegiatan. Pelatihan memperkenalkan tahapan Design Thinking yang terdiri atas empathize, define, ideate, prototype, dan test. Teknik pengumpulan data dilakukan melalui observasi, wawancara, dokumentasi, pre-test dan post-test, serta penilaian terhadap perangkat pembelajaran yang dihasilkan peserta. Hasil kegiatan menunjukkan adanya peningkatan pemahaman dan keterampilan guru dalam menerapkan pembelajaran akuntansi yang inovatif. Peserta menunjukkan peningkatan pemahaman terhadap konsep Design Thinking, kemampuan menyusun perangkat pembelajaran kontekstual, serta motivasi untuk mengembangkan pembelajaran yang berpusat pada siswa. Hasil post-test menunjukkan rata-rata pemahaman guru mencapai 75,88 dan lebih dari 80% peserta mampu menjawab dengan benar tahapan Design Thinking. Kegiatan ini menyimpulkan bahwa Design Thinking dapat menjadi pendekatan pembelajaran yang efektif untuk meningkatkan kompetensi pedagogik guru serta mendukung pengembangan pembelajaran akuntansi yang kontekstual, kolaboratif, dan sesuai dengan kebutuhan industri.

Pembelajaran di Sekolah Dasar saat ini masih didominasi metode konvensional berpusat pada guru yang kurang mengaitkan materi dengan kehidupan nyata. Kondisi ini menyebabkan rendahnya keterlibatan aktif dan kemampuan berpikir kreatif siswa sebagai kompetensi abad ke-21. Selain itu, mitra guru menghadapi kendala berupa keterbatasan pemahaman terhadap konsep Contextual Teaching and Learning (CTL), kurangnya variasi strategi, serta ketiadaan perangkat pembelajaran sistematis. Pengabdian kepada Masyarakat (PkM) ini bertujuan mensosialisasikan model CTL guna meningkatkan kemampuan berpikir kreatif siswa dan kompetensi guru dalam mengembangkan perangkat pembelajaran inovatif. Metode pelaksanaan meliputi koordinasi analisis kebutuhan, sosialisasi konsep, pendampingan penyusunan Modul Ajar, praktik simulasi kelas, serta evaluasi bersama pihak sekolah. Target luaran meliputi peningkatan pemahaman guru, tersedianya Modul Ajar berbasis CTL yang aplikatif, dan publikasi artikel ilmiah pada jurnal pengabdian masyarakat. Sosialisasi model CTL menjadi solusi strategis dalam meningkatkan kapasitas profesional guru untuk menciptakan suasana belajar yang bermakna. Implementasi CTL diharapkan mampu meningkatkan kualitas pendidikan dasar dan menstimulasi potensi berpikir kreatif siswa secara optimal guna menghadapi tantangan perkembangan zaman. Dengan demikian, kegiatan ini memberikan dampak positif signifikan bagi pengembangan kompetensi pendidik dan peserta didik di sekolah dasar mitra secara luas serta berkelanjutan melalui integrasi kolaborasi akademik yang kuat.

Various studies indicate that mathematics learning in schools is still dominated by teacher-centered methods that emphasize abstract concepts, resulting in limited connection to real-life contexts and low student engagement. Therefore, innovative learning approaches are needed to bridge mathematical concepts with real-world experiences while encouraging active student participation. This community service activity aims to enhance students’ conceptual understanding and creativity through the use of innovative mathematics teaching aids within a participatory approach. The method employed is descriptive-implementative, consisting of needs analysis, training implementation, and evaluation stages. Data were collected through concept understanding tests, mathematical creativity tests, observations, and interviews, and were analyzed using both quantitative and qualitative approaches. The results show an improvement in students’ conceptual understanding as well as the development of mathematical creativity, indicated by increased fluency, flexibility, and originality in problem-solving. In addition, students’ active participation in the learning process significantly improved. The use of teaching aids proved effective in creating more meaningful learning experiences through direct interaction with mathematical concepts. In conclusion, the use of mathematics teaching aids in participatory-based learning is effective in improving the quality of learning, particularly in terms of students’ conceptual understanding and creativity.

Penelitian ini bertujuan untuk mengkaji strategi pembelajaran Pendidikan Agama Kristen dalam menerjemahkan konsep-konsep teologis yang abstrak agar sesuai dengan perkembangan kognitif peserta didik usia sekolah dasar. Latar belakang penelitian ini berangkat dari pentingnya penanaman iman sejak dini dalam keluarga sebagai ecclesia domestica, yang kemudian dilanjutkan secara sistematis dalam pendidikan formal. Namun, pada jenjang sekolah dasar, pembelajaran Pendidikan Agama Kristen menghadapi tantangan karena materi teologis yang bersifat abstrak tidak selalu selaras dengan kemampuan berpikir anak. Berdasarkan teori perkembangan kognitif Jean Piaget, anak usia 7–12 tahun berada pada tahap operasional konkret, sehingga membutuhkan pendekatan pembelajaran yang kontekstual dan berbasis pengalaman nyata. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan hermeneutika-pedagogis untuk menganalisis strategi pengajaran Yesus dalam Injil Markus 4:1–33. Hasil penelitian menunjukkan bahwa Yesus menerapkan strategi pembelajaran yang efektif melalui pengelolaan ruang belajar (spasial), penggunaan perumpamaan sebagai media naratif, serta pendekatan dialogis-partisipatif. Strategi ini memungkinkan terjadinya jembatan antara konsep abstrak Kerajaan Allah dengan realitas konkret kehidupan pendengar. Dengan demikian, integrasi antara pemahaman teks Alkitab dan pendekatan pedagogis yang sesuai dengan perkembangan kognitif menjadi kunci dalam pembelajaran Pendidikan Agama Kristen yang efektif. Penelitian ini menegaskan bahwa guru Pendidikan Agama Kristen perlu mengembangkan strategi kreatif dan kontekstual agar nilai-nilai iman tidak hanya dipahami secara kognitif, tetapi juga dihayati dan diimplementasikan dalam kehidupan sehari-hari peserta didik.

This study aims to analyze fifth-grade students’ understanding of the water cycle concept at SD Muhammadiyah Sidayu using animated video assistance, as well as to describe supporting and inhibiting factors, identify obstacles faced by teachers and students, explain teachers’ efforts, and examine students’ responses in science learning. The research used a descriptive qualitative method with 23 fifth-grade students as participants. Data were collected through tests, questionnaires, interviews, and observations, and analyzed using data reduction, data presentation, and conclusion drawing. Data validity was ensured through triangulation of technique, source, and time. The results indicate that students’ understanding of the water cycle concept is categorized as moderate, with an average score of 69.43. Students are able to explain the definition and stages of the water cycle through images, classify events based on similarities in processes, and distinguish between evaporation and condensation. However, they still face difficulties in explaining the relationships between processes and in providing real-life examples related to the water cycle. Supporting factors include students’ interest and learning motivation, while inhibiting factors involve differences in comprehension abilities and students’ health conditions. Teachers face obstacles such as limited audio-visual facilities, shared LCD usage, and challenges in selecting appropriate animated videos. To overcome these issues, teachers use simple explanations, emphasize key points, replay videos, provide individual guidance, and assign diagram-based projects. Students’ responses are very positive, as animated videos increase their interest, attention, motivation, and conceptual understanding.

Understanding mathematical concepts is a fundamental ability that elementary school students must possess, particularly in multiplication, which serves as a foundation for learning more advanced mathematical topics. Based on the conditions observed in the fourth-grade class at UPT SDN 185 Gresik, there are still students who do not fully understand the concept of multiplication, as the learning process tends to emphasize memorization rather than conceptual understanding. In addition, differences in learning styles and gender are suspected to influence students’ conceptual understanding abilities. Therefore, this study aims to describe the conceptual understanding of fourth-grade students in multiplication, viewed from their learning styles and gender.This study employs a descriptive qualitative research method, with six fourth-grade students of UPT SDN 185 Gresik as the research subjects. Data were collected through learning style questionnaires, concept understanding tests and questionnaires, and interviews. Data analysis was conducted through the stages of data reduction, data presentation, and conclusion drawing, based on indicators of conceptual understanding. Data validity was ensured using triangulation of techniques, sources, and time. The results of the study indicate that auditory learners tend to have better conceptual understanding compared to visual and kinesthetic learners, and female students outperform male students. Based on these findings, teachers need to implement differentiated instruction tailored to students’ learning styles: using diagrams, images, and colored multiplication tables for visual learners; applying discussions, question-and-answer sessions, and repeated verbal explanations for auditory learners; and utilizing concrete teaching aids along with hands-on activities for kinesthetic learners to optimize conceptual understanding.

This study examines teachers’ understanding of the basic concept of school community relations from an outcome prespective in elementary schools. The relationship between schools and the community plays an important role in supporting the effectiveness of educational programs and improving the quality of learning outcomes. Theacers act as key actors who connect schools with parents and the surronding community. Therefore, understanding the concept of school and community relations is essential to build effective communication and collaboration. The researgh used a qualitative approach with a literature study method. Data were collected from relevant academic sources such as journal articels, book, and previous reaseacrh related to school and community relations and educcational management. He collected data were analyzed using descriptive qualitative analysis through data reduction, data presentation, and conclusion drawing. The results of the study indicate the techers’ understanding of the concept of school and community relations countributes significantly to strengthening cooperation between schools and the community. Effective collaboration can increase community partisipation, support school programs, and create positive educational outcomes for students and institutions. Thus, strengthening teachers’ understanding of school and community relations is important to improve the quality and effectiveness of education in elementary schools.

This study aims to determine the abillity of students’ conceptual understanding of mixed fractions after the application of the PhET Colorado application in class VII of Muhammadiyah Pagar Alam Middle School in the 2025/2026 Academic Year. The subjects in this study were class VII.2 with 30 students with an average of 77. This study uses a pre-ekperimental design method one group pretest-posttest. Data collection techniques used in this study include tests and documentation data analysis techniques are stages carried out after all research data is collected. Through the PhET Colorado application, the percentage per indicator was obtained, the indicator restating the concept with an achievement of 63,50%, the indicator mathematical representation with an achievement of 74,78%, the indicator problem solving with an achievement of 95,00%, therefore the average reached 77,78%. So it can be in mixed fractions material on the ability of students’ conceptual understanding in class VII of Muhammadiyah Pagar Alam Middle School in the 2025/2026 Academic Year.

This study aims to determine the ability of students' conceptual understanding after the application of the Project Based Learning (PjBL) model on pyramid material in class VII of Muhammadiyah Pagar Alam Middle School in the 2025/2026 Academic Year. The subjects in this study were 30 students using the pre-experimental design method of one group posttest only type. Data collection techniques used in this study include tests and documentation. The data analysis technique is a quantitative descriptive analysis of all collected research data. Starting the stages carried out after learning using the Project Based Learning (PjBL) model, the percentage per indicator of students' conceptual understanding was obtained with the achievement of: indicators restating the concept of 59.12% indicators providing examples and non-examples of 78.33, and problem solving indicators of 83.06%. So it can be concluded that the use of the Project Based Learning (PjBL) model is effective on the conceptual understanding ability of class VII students of Muhammadiyah Pagar Alam Middle School in the 2025/2026 Academic Year with an average percentage reaching 75.91 which is in the good category.

Etos kerja dan kewirausahaan ialah aspek penting dalam membangun kesejahteraan individu dan masyarakat, namun dalam praktiknya belum sepenuhnya berlandaskan nilai-nilai keislaman. Oleh karena itu, diperlukan pemahaman yang lebih mendalam mengenai konsep kerja dan kewirausahaan yang bersumber dari ajaran Islam. Artikel ini bertujuan untuk mengkaji konsep etos kerja dan kewirausahaan berdasarkan tafsir al-Qur’an dan hadits Nabi sebagai landasan moral dan spiritual dalam aktivitas ekonomi. Studi ini memakai metode kualitatif dengan pendekatan studi kepustakaan melalui penelaahan berbagai literatur berupa buku tafsir, kitab hadits, serta artikel jurnal ilmiah yang relevan dengan tema penelitian. Data yang diperoleh kemudian dianalisis secara deskriptif dan tematik untuk menemukan nilai-nilai utama yang terkandung dalam ajaran Islam terkait aktivitas kerja dan usaha. Hasil kajian memperlihatkan bahwa Islam menekankan nilai kerja keras, kejujuran, tanggung jawab, kemandirian, disiplin, serta orientasi keberkahan sebagai prinsip utama dalam bekerja dan berwirausaha. Kesimpulannya, etos kerja dan kewirausahaan dalam perspektif Islam tidak hanya berorientasi pada pencapaian materi, melainkan juga pada pembentukan akhlak mulia sekaligus kepatuhan kepada Allah sebagai tujuan utama kehidupan.

Pemanfaatan lahan kosong di wilayah perdesaan sering kali belum optimal akibat rendahnya pemahaman masyarakat terhadap fungsi ruang terbuka hijau dan konsep desain lanskap. Desa Suka Makmur, Kabupaten Pohuwato, merupakan salah satu wilayah yang memiliki lahan terbuka cukup luas namun berada dalam kondisi gersang dan belum tertata. Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan pemahaman masyarakat mengenai pemanfaatan lahan kosong melalui sosialisasi dan edukasi desain lanskap ruang terbuka hijau sebagai upaya awal pembangunan lingkungan yang berkelanjutan. Metode yang digunakan adalah KKN-PAR (Participatory Action Research) dengan tahapan identifikasi awal, sosialisasi dan edukasi, serta evaluasi perubahan pemahaman masyarakat. Evaluasi dilakukan menggunakan kuesioner pre-test dan post-test terhadap 24 responden. Hasil pengabdian menunjukkan adanya peningkatan pemahaman masyarakat pada seluruh indikator yang diukur, meliputi fungsi ruang terbuka hijau, manfaat ekologis dan sosial, serta konsep dasar desain lanskap. Peningkatan pemahaman ini mengindikasikan terjadinya perubahan perilaku awal masyarakat pada aspek kognitif. Hasil pengabdian ini menegaskan bahwa pendekatan edukatif berbasis partisipasi masyarakat efektif dalam membangun kesadaran lingkungan dan dapat menjadi landasan bagi pengelolaan ruang terbuka hijau yang berkelanjutan di wilayah perdesaan.

This research aims to analyze in depth the level of understanding among Islamic Religious Education (PAI) students at the Islamic Institute of Nahdlatul Ulama (IAINU) Tuban regarding the concept of Ihsan and its implementation in community life. The urgency of this study is based on the strategic role of PAI students as future educators who are required to integrate spiritual dimensions and social ethics into their personalities. This research employs a quantitative approach with a descriptive survey method. Data were collected through a Likert scale questionnaire instrument that had been tested for validity and reliability, distributed to a sample of students selected through proportional random sampling. Data analysis was carried out systematically using descriptive statistics to calculate the mean value and categorization percentage across cognitive, affective, and applicative dimensions. The results indicated that the overall level of understanding of Ihsan among PAI students at IAINU Tuban falls into the low category, with a total mean score of 1.909. In detail, the affective dimension recorded the lowest score, indicating a weakness in the internalisation of spiritual consciousness, while the applicative dimension showed a slightly higher score but remained within the low category. It is concluded that there is a significant gap between the idealism of the Ihsan concept and the actual understanding of students in the field. These findings provide important implications for the need to reconstruct character-building strategies and the PAI curriculum, emphasizing the aspect of inner spiritual internalisation over mere formalistic cognitive knowledge transfer to produce graduates with authentic social piety.

Fenomena meningkatnya penggunaan layanan pinjaman online di kalangan mahasiswa menimbulkan kekhawatiran terhadap potensi risiko finansial yang dapat mengganggu kesejahteraan dan performa akademik mereka. Penelitian ini bertujuan untuk mengeksplorasi dan menganalisis perilaku manajemen risiko mahasiswa STIEPARI Semarang dalam penggunaan layanan pinjaman online, mengidentifikasi faktor-faktor yang memengaruhi pembentukan perilaku tersebut, serta memahami implikasinya terhadap kesejahteraan finansial mahasiswa. Penelitian menggunakan pendekatan kualitatif deskriptif dengan desain fenomenologi, melibatkan 14 mahasiswa sebagai informan utama. Temuan menunjukkan adanya kesenjangan substansial antara pemahaman konseptual mahasiswa tentang risiko dengan praktik aktual dalam pengambilan keputusan finansial, di mana mahasiswa dengan latar belakang pendidikan ekonomi tidak selalu menunjukkan perilaku manajemen risiko yang lebih baik. Rekomendasi penelitian mencakup pengembangan program edukasi berbasis experiential learning, implementasi sistem mentoring oleh mahasiswa senior, dan pembentukan early warning system untuk mendeteksi mahasiswa berisiko mengalami masalah kredit.

Penelitian ini membahas pentingnya pembelajaran mengenai perang proxy (proxy war) bagi taruna Korps Marinir di Akademi Angkatan Laut sebagai bekal dalam menghadapi ancaman pertahanan negara di masa depan. Perubahan makna istilah “perang” yang kini lebih sering dipahami sebagai sifat daripada sekadar tindakan, menunjukkan urgensi pemahaman baru di kalangan militer. Proxy war merupakan konfrontasi tidak langsung antara dua kekuatan melalui perantara untuk menghindari konflik langsung yang dapat menyebabkan kerusakan fatal. Saat ini, Taruna Korps Marinir belum memperoleh pembelajaran khusus mengenai proxy war, sehingga materi ini sangat dibutuhkan untuk meningkatkan pengetahuan dan kesiapan mereka. Tujuan penelitian ini adalah mengembangkan konsep pembelajaran proxy war yang dapat diterapkan dalam kurikulum pendidikan taruna Korps Marinir, agar mereka memiliki bekal yang memadai untuk menjadi perwira TNI-AL yang mampu menghadapi berbagai ancaman pertahanan di masa depan. Penelitian menggunakan metode penelitian dan pengembangan, meliputi pengumpulan data melalui kuesioner, wawancara, serta uji coba konsep pembelajaran yang dikembangkan. Hasil penelitian menunjukkan bahwa integrasi materi proxy war secara signifikan meningkatkan pemahaman dan kesiapan taruna dalam menghadapi skenario perang tidak langsung.

The purpose of this study was to evaluate the application of the Deep Learning approach in teaching mathematics in the first grade of addition and subtraction of numbers 1 to 20 in a story problem through the concrete media Si PONPEL and the educational game Quizizz Paper Mode. This technology-based learning is intended to make learning more interactive and enjoyable, but does not require personal digital devices. Qualitative and quantitative data were collected through a mixed-method research design to measure student understanding the result show that the Si PONPEL and Quizizz Paper Mode methods successfully improved students’ understanding of basic mathematical concepts, with an average increase in student scores of 38.33%. In addition, findings from interviews conducted with teachers and students showed that the Si PONPEL concrete media and this technology made students more engaged and motivated to learn. It is hoped that this research will make a significant contribution to creating more inclusive and interactive mathematics kearning in elementary schools.

Advances in digital technology provide numerous opportunities to improve the quality of education, particularly in Social Studies (IPS) learning at the elementary school level. One important innovation is the use of digital interactive map media that enables students to learn geography in a visual, engaging, and relevant way. However, in practice, IPS learning in elementary schools is still dominated by conventional methods that rely on static printed maps, resulting in low student motivation and suboptimal understanding of geographic concepts, particularly those related to the ASEAN region. This study aims to evaluate the impact of using digital interactive map media on learning motivation and understanding of ASEAN geographic concepts among elementary school students. This study uses a Systematic Literature Review (SLR) approach following the PRISMA 2020 procedure. The research findings indicate that consistent use of digital interactive map media can improve students' motivation in learning and their understanding of geographic concepts. Interactive visualizations encourage active engagement and enthusiasm, and help students better understand spatial concepts. Therefore, digital interactive maps can be an innovative and effective social studies learning option that aligns with the principles of the Independent Curriculum and the Pancasila Student Profile.

Penelitian ini menjelaskan perbedaan pemahaman tentang utang dari sudut pandang ekonomi Islam dan ekonomi konvensional, serta tantangan yang dihadapi dalam penerapannya di masyarakat dan institusi keuangan. Dalam ekonomi konvensional, utang dianggap sebagai perjanjian keuangan yang melibatkan bunga, digunakan untuk memenuhi kebutuhan konsumsi dan investasi. Sementara, dalam ekonomi Islam, utang dipahami sebagai alat sosial yang berlandaskan nilai kemanusiaan, solidaritas, dan larangan riba, sehingga perjanjian utang harus bebas dari bunga serta ketidakadilan. Penelitian ini menggunakan metode deskriptif kualitatif dengan pendekatan kajian literatur untuk meninjau konsep, prinsip, serta berbagai hambatan yang dijumpai dalam penerapan kedua sistem. Pengumpulan data dilakukan melalui analisis dokumen dari buku, jurnal, dan penelitian terdahulu, yang kemudian dianalisis dengan menggunakan pendekatan analisis konten. Tujuan penelitian adalah untuk memahami secara mendalam konsep utang menurut perspektif Islam dan konvensional, mengidentifikasi tantangan dalam pengelolaan utang di kedua sistem ekonomi, dan menyajikan perbandingan aspek moral, akad, risiko, serta tujuan penggunaan utang. Hasil penelitian menunjukkan bahwa dalam ekonomi Islam, utang menekankan pada prinsip keadilan dan etika syariah yang melarang riba, berfokus pada kerja sama, serta mengutamakan perjanjian yang jelas dan tertulis dengan disertai saksi. Sementara itu, utang dalam ekonomi konvensional lebih mengedepankan aspek keuntungan dengan penggunaan bunga sebagai sumber utama profit. Dalam praktiknya, manajemen utang syariah menghadapi tantangan seperti rendahnya pemahaman masyarakat tentang keuangan syariah, terbatasnya akses ke instrumen syariah, dan kurangnya regulasi yang tegas. Di lain pihak, pengelolaan utang konvensional berhadapan dengan risiko suku bunga, ketidakstabilan fiskal, serta masalah transparansi dan akuntabilitas. Penelitian ini memberikan sumbangan akademis untuk pengembangan sistem keuangan yang lebih adil dan berkelanjutan di masa mendatang.