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The Islamic insurance industry in Indonesia, including in the city of Medan, continues to face various challenges, one of which is the low level of public participation in using Islamic insurance products. Public decisions to choose Islamic insurance are influenced not only by economic factors but also by non-economic factors, such as the level of religiosity, Islamic financial literacy, and trust in insurance service providers. This study aims to examine in depth the role of religiosity, financial literacy, and trust in influencing public decisions regarding the use of Islamic insurance in Medan City. This research employs a qualitative approach by utilizing secondary data obtained from reports of the Financial Services Authority (OJK), the Central Statistics Agency (BPS), fatwas issued by the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), as well as relevant national and international scholarly articles. Data analysis was conducted using content analysis techniques to obtain a comprehensive understanding of public behavior, perceptions, and preferences. The findings indicate that religiosity plays a role in increasing awareness of the importance of financial products that comply with sharia principles, financial literacy strengthens public understanding of the benefits and mechanisms of Islamic insurance, while trust emerges as the key factor most decisively influencing decision-making. These findings are expected to serve as a reference for formulating strategies to enhance public literacy and trust in Islamic insurance in Medan City.

This study was motivated by the low level of internalisation of religious values in Islamic Religious Education, especially at the madrasah level, where the process of instilling valuesoften stops at the cognitive level. This study aims todescribe the process of internalising religious values through the film Laut Tengahand assess its effectiveness in improving students' understanding andappreciation of religious values at MTs Manbail Futuh 2 Bancar. The approach used was qualitative with a case study design, because the phenomenon under reviewwas contextual and required in-depth understanding. Datawere collected through direct observation during learning, interviews with teachers andstudents, as well as documentation of learning tools and film clips. Data analysiswas carried out through data condensation, data presentation, and drawingconclusions using the Miles, Huberman, and Saldaña model. The results showedthat the film Laut Tengahwas effective in facilitating the internalisation of religious values through the visual,emotional, and cognitive engagement of students. Students were able to identify values such ashonesty, patience, discipline, gratitude, and social awareness, anddemonstrated appreciation reflected in their self-reflections. With teacher guidance, films became a medium capable of connecting values with the real experiences ofstudents.

Education plays a crucial role in shaping the personality, morals, and spiritual values of students. In the Islamic perspective, education is not solely focused on the mastery of knowledge but also includes the cultivation of noble character, the strengthening of faith, and the enhancement of religiosity as a form of devotion to Allah Swt. Islamic boarding schools (pondok pesantren), as traditional Islamic educational institutions, have a strategic role in instilling these values through religious activities, the teaching of classical Islamic texts (kitab kuning), and the habituation of virtuous behavior. Pesantren serve not only as centers of learning but also as institutions for character formation and spiritual development. However, the forces of globalization and modernization bring new challenges in the form of cultural, technological, and informational influences that often conflict with Islamic values. Therefore, pesantren are required to develop adaptive, innovative, and relevant educational strategies that align with contemporary needs without losing their Islamic identity. One effective approach is the implementation of Islamic counseling, a process of psychological and spiritual guidance grounded in the Qur’an and Sunnah. Through this counseling, students are expected to strengthen their faith, enhance their religiosity, and develop moral resilience in facing the dynamics of modern life based on strong Islamic values.

This study was conducted to explore in depth how ethical pressure, ethical orientation, and religiosity influence earnings management practices, while also examining whether religiosity plays a role as a moderating variable in this relationship. Using a quantitative, survey-based approach, this study involved 109 respondents with professional backgrounds and experience in accounting and finance, thus deemed relevant in understanding the phenomenon of earnings management from a practitioner's perspective. The data analysis technique used was Partial Least Square Structural Equation Modeling (PLS-SEM), which is considered appropriate for examining relationships between latent variables with high complexity. The results show that ethical pressure has a positive and significant influence on earnings management practices, meaning that the greater the ethical pressure a person feels, the higher the tendency to engage in such practices. Conversely, ethical orientation shows a negative and significant influence, so that individuals with a strong ethical orientation tend to reject this manipulative practice. Religiosity is also shown to have a significant negative influence, so that the higher a person's level of religiosity, the lower their tendency to engage in earnings management. Furthermore, moderation analysis found that religiosity strengthens the influence of ethical orientation in suppressing earnings management practices, meaning that individuals who are both religious and have a high ethical orientation are more consistent in maintaining their integrity. However, the role of religiosity was not proven to be significant in moderating the relationship between ethical pressure and earnings management practices, indicating that although religiosity can shape ethical attitudes, it is not sufficient to mitigate the impact of strong external pressures. These findings imply the importance of strengthening ethical values ​​and religiosity in accounting education and practice to prevent opportunistic behavior that is detrimental to related parties.

This study employs a qualitative approach with a case study design to gain an in-depth understanding of the implementation of the “Habit for Me” religious habituation program in shaping the religious character of first-grade elementary school students. The case study method was chosen to holistically and contextually describe the phenomenon within the specific school environment. Primary data were collected through participatory observation of students, in-depth interviews with teachers and the principal, and documentation of students' religious activities. Secondary data included lesson plans, religious activity schedules, and school archives to complement the primary data. The diverse data collection techniques aimed to produce credible data. Data analysis was conducted using the Miles and Huberman interactive model, which involves data reduction, data display, and conclusion drawing to derive meaning from complex information. Data validity was ensured through triangulation of techniques and sources, enhancing the trustworthiness of the findings. This methodology enabled a detailed depiction of the processes and impacts of the Habit for Me program in the context of religious character education for elementary students.

The transition to college life often requires students to face various challenges and significant changes in their lives. Individuals who have a high level of subjective well-being tend to have the ability to assess life events in a more positive way. This study aims to analyze the relationship between religiosity and grit with subjective well-being in Psychology students at Universitas Islam 45 Bekasi. This study used a quantitative method involving 134 respondents who were determined using a non-probability sampling technique with a consecutive sampling method. Data collection was carried out using three psychological scales, namely the religiosity scale, the grit scale, and the subjective well-being scale, and the data analysis techniques applied included assumption tests using normality and linearity tests, as well as hypothesis tests using correlation tests and multiple linear regression analysis. The results showed that there was a significant positive relationship between religiosity and subjective well-being (r = 0.546, p <0.005), as well as between grit and subjective well-being (r = 0.738, p <0.005). Multiple linear regression analysis revealed that religiosity and grit together could predict 57.6% of the variance in subjective well-being (R2 = 0.576), (F(2,121) = 89.037), (p < 0.001), while the remaining 42.4% was influenced by other factors.

The transition to college life often requires students to face various challenges and significant changes in their lives. Individuals who have a high level of subjective well-being tend to have the ability to assess life events in a more positive way. This study aims to analyze the relationship between religiosity and grit with subjective well-being in Psychology students at Universitas Islam 45 Bekasi. This study used a quantitative method involving 134 respondents who were determined using a non-probability sampling technique with a consecutive sampling method. Data collection was carried out using three psychological scales, namely the religiosity scale, the grit scale, and the subjective well-being scale, and the data analysis techniques applied included assumption tests using normality and linearity tests, as well as hypothesis tests using correlation tests and multiple linear regression analysis. The results showed that there was a significant positive relationship between religiosity and subjective well-being (r = 0.546, p <0.005), as well as between grit and subjective well-being (r = 0.738, p <0.005). Multiple linear regression analysis revealed that religiosity and grit together could predict 57.6% of the variance in subjective well-being (R2 = 0.576), (F(2,121) = 89.037), (p < 0.001), while the remaining 42.4% was influenced by other factors.

This research uses descriptive qualitative methods. The data sources in this research are homeroom teachers and students at Ad-Dzikir Elementary School, Pragaan Village. Data collection uses interviews, observation and documentation. The data analysis technique uses Miles and Huberman's theory which includes data reduction, data presentation, and drawing conclusions or verification. Then, check the validity of the data using source triangulation by comparing the results of interviews from several informants.The results of this research are that at Ad-Dzikir elementary school, implementing (1) the application of religiosity values ​​through the midday prayer program in congregation can build discipline and responsibility; (2) The application of religiosity values ​​through memorizing juz 'Amma and surah munjiyat can shape students' affective aspects in the realm of characteristics; (3) Applying religious values ​​through instilling good behavior can shape students' affective aspects in the realm of acceptance. Meanwhile, supporting and inhibiting factors in the application of religiosity values ​​in shaping students' affective aspects, of the supporting factors there are teacher factors and parent factors. The inhibiting factors consist of the environment, family, and factors within the child.  

Islamic Religious Education is the most important component in life, acting as a foundation for thinking, acting, and behaving, both in the family and community environment. This study aims to analyze the role of teachers in improving student religiosity at SD Integral Hidayatullah Probolinggo, with a focus on the approach to religious education, the application of religious values ​​in daily activities, and positive habits. As a school that implements the full-day school concept. This study uses a qualitative descriptive approach method with triangulation techniques, namely participatory observation of the school environment studied, in-depth interviews, and documentation of the research background, then analyzed using the Miles and Huberman theory, namely: data reduction, data display, and conclusion drawing/verification. This study found that teachers have a central role in instilling religious values ​​through exemplary methods, interactive discussions, and routine activities, such as joint prayer and congregational prayer. In addition, this success is supported by adequate school facilities and an integrative curriculum that supports the teaching of religious values. However, the study also identified several obstacles, including the lack of support from students' families in continuing religious habits at home and the density of the academic curriculum. This shows the importance of synergy between schools, teachers, and families to create an environment that supports the continuous improvement of student religiosity. Thus, through increased collaboration between related parties, schools can be more optimal in achieving their goals of producing a generation with noble morals, faith, and strong character.