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Knowledge of usury and religiosity is one of the influencing factors in making the decision to save at a sharia bank. There are still many students who already know about usury but still use conventional banks instead of using Sharia. This is the background to the research entitled knowledge of riba nasiah and religiosity on students' interest in saving in sharia banks. This research aims to determine the partial and simultaneous influence of knowledge of riba nasiah and religiosity on students' interest in saving in sharia banks. In this study, a descriptive quantitative method was used with 172 respondents with the technique used in sampling was Stratified Random Sampling, which is a sampling technique according to the population size in each strata, where in this study it was divided into 4 strata, namely sharia banking students, FEBI UIN Sutha Jambi semesters V, VII, IX, and XI. The data analysis techniques used in this research are data quality testing, classical assumption testing, hypothesis testing, multiple linear regression analysis, coefficient of determination and effective contribution testing. The results of the research show that: (1) It was found that partially and simultaneously there was a significant influence of the variables knowledge of riba nasiah and religiosity on students' interest in saving in sharia banks. (2) the variables of knowledge of riba nasiah and religiosity have a positive effect (move in the same direction) on students' interest in saving in sharia banks (3) the result of the Adjust R2 coefficient value is 0.492. This illustrates that the contribution of the variables of knowledge of riba nasiah and religiosity is 49.2% and the remaining 50.8% is influenced by other variables outside this research. And in terms of effective contribution, it shows that the variable knowledge of riba nasiah and religiosity contributed 49.7%. The variable with the most influence in this research is the variable knowledge of riba nasiah, which is 25.1%. From the results of this research, researchers see and realize that there are still many sharia banking study program students who use conventional banks. In fact, there are still those who don't understand about usury and religiosity even though they have studied this during lectures. Students' ignorance about usury and religiosity could be one of the factors that influence them in choosing which bank to use for savings or transactions.

This research aims to examine and analyze the legal protection given to investors in buying and selling shares in the capital market from an Islamic perspective. The research methodology used is descriptive analysis, which involves comprehensive data collection regarding the characteristics of a particular situation or symptom that contributes to strengthening the theory of Islamic capital markets. In this case, the author uses a document or literature study as a legal material collection technique, by reviewing the literature related to the research topic. This approach aims to obtain secondary data from sources such as the Quran, hadith, MUI fatwa, and relevant laws and regulations, especially Law No. 8 of 1995 concerning Capital Markets. The findings of this study reveal that the legal protection of investors in buying and selling activities in the capital market in an Islamic perspective is based on the principles of transparency and openness, the existence of a Sharia Supervisory Board (DPS), sharia audits, dispute resolution mechanisms, and the prohibition of ribawi practices or usury-based transactions.

This study aims to determine whether the financial performance of the government of Ribang Village, Koting District, is economical, efficient and effective based on the concept of value for money. This study used a quantitative approach originating from the office of Ribang Village, Koting District. Analyzed using Microsoft Excel and value for money formula. The results of the research conducted concluded that the financial performance of Ribang Village, Koting District, from an economic perspective, in 2018 was quite economical and in 2019-2021 it was economical. efficiency category, (2) whereas in 2020 the index was not efficient, (3) the financial performance of Ribang Village, Koting District in terms of effectiveness in 2018-2021 was quite effective.

Financial institutions appear in the economy when money has become a medium of exchange for buying and selling. Initially, this institution only served as a connecting vessel for buying and selling transactions. Then came the usury system. This study aims to determine whether the influence of student knowledge about usury can affect the intention to save in conventional banks at the State Islamic University of North Sumatra. The researcher uses a qualitative method with a descriptive approach in which the researcher uses field research by interviewing 10 informants, namely students at the State Islamic University of North Sumatra who have savings at conventional bank ATMs and Islamic banks. Because what we know is that students, especially UINSU students, must have learned about usury. However, in reality in the field, almost all student respondents definitely use conventional banks, which means they are indifferent to the law of usury. Therefore, the researchers concluded that students only need to learn more about usury and apply it to everyday life.   Keywords: Financial institutions appear in the economy when money has become a medium of exchange for buying and selling. Initially, this institution only served as a connecting vessel for buying and selling transactions. Then came the usury system. This study aims to determine whether the influence of student knowledge about usury can affect the intention to save in conventional banks at the State Islamic University of North Sumatra. The researcher uses a qualitative method with a descriptive approach in which the researcher uses field research by interviewing 10 informants, namely students at the State Islamic University of North Sumatra who have savings at conventional bank ATMs and Islamic banks. Because what we know is that students, especially UINSU students, must have learned about usury. However, in reality in the field, almost all student respondents definitely use conventional banks, which means they are indifferent to the law of usury. Therefore, the researchers concluded that students only need to learn more about usury and apply it to everyday life.    

Adapun tujuan dari penelitian ini untuk melihat sistem operasional pembiyaan ijarah multijasa di KSSU Harum Dhaha Kediri ditinjau dari DSN-MUI. Penelitian ini berbasis penelitian kualitatif dengan jenis penelitian studi kasus. Metode perolehan data tipe interview open-ended yang terfokus. Sementara analisis data: reduksi data, display data, dan konklusi data. Hasil penelitian menunjukkan system operasional Pembiyaan Ijarah Multijasa yang dijalankan beberapa sudah memenuhi ketentuan syari’ah: ta’awun (tolong menolong), menghindari iktinaz (penimbunan uang) dan pembayaran ZIS. Namun prinsip tijaroh (bisnis) dan pelarangan riba dirasa belum sesuai dengan ketentuan syariah. KSSU Harum Dhaha Kediri meringkas mekanisme yang telah ditetapkan DSN-MUI karena faktor keterbatasan SDM, efisiensi waktu, urgensi anggota, dan memudahkan transaksi anggota. Akhirnya menjadi indikasi praktik yang dilakukan belum sesuai dengan ditinjau dari DSN-MUI. Seharusnya yang diterapkan adalah menggunakan akad ijarah bil wakalah. Jika akad wakalah diterapkan maka anggota sesudah membayarkan biaya pendidikan atau biaya lain. Anggota harus memberikan bukti pembayaran biaya pendidikan ke KSSU Harum Dhaha Kediri.

Teknologi digital menolong warga dalam berhubungan serta bertransaksi dengan aplikasi yang bisa didapat dari smartphone. Dengan adanya fenomena ini, memacu pada aplikasi yang bisa menghimpun dana ZISWAF melalui layanan yang disediakan. Aplikasi yang sekarang ini viral karena permulaan mengadakan fitur berbagi hal yang bermanfaat ialah LinkAja Syariah. Aplikasi ini mengadakan layanan untuk pengguna yang ingin memberikan zakat, infaq, sedekah atau wakaf maka memberikan kemudahan bagi penggunanya untuk berpartisipasi memberikan sebagian hartanya melalui smartphone. Penelitian ini menggunakan pendekatan kualitatif deskriptif dimana hubungan dengan penelitian ini ialah menjelaskan penggunaan aplikasi LinkAja Syariah dalam pembayaran digital. Hasil penelitian ini ialah penggunan digitalisasi dalam penghimpun dana ZISWAF melalui Layanan Syariah LinkAja, menjadikan kegiatan pembayaran dana ZISWAF bersama muzakki dengan mudah dan efesien yang bisa dilakukan kapan dan dimana saja. Sesudah mempraktikkan penyaluran secara digital dengan aplikasi Layanan Syariah LinkAja, hingga sekarang ini penyaluran dana zakat, infaq ataupun sedekah melaju naik, serta tidak ada indikator riba, gharar, maysir, judi dalam pelaksanaannya. Jika ada muzakki yang menyalurkan dana ZISWAF bisa cukup dengan scan QRIS.  

Penelitian ini bertujuan untuk mengetahui penerapan nilai-nilai etika bisnis Islam pada perusahaan properti syariah dan kendala yang dialami perusahaan dalam menerapkan etika bisnis Islam. Penelitian ini dilakukan dengan menggunakan metode pendekatan deskriptif dengan analisis data kualitatif. Lokasi penelitian di PT. Noor Eeman Nusantara yang berlokasi di JL. STM. No. 10 Medan Johor, Medan, Sumatera Utara. Sumber data merupakan data primer dan data sekunder dengan teknik pengumpulan data berupa observasi, wawancara, kuesioner/angket, dan dokumentasi. Hasil dari penelitian ini adalah telah sesuai dan telah menerapkan nilai-nilai etika bisnis Islam diantaranya perusahaan PT. Noor Eeman Nusantara sudah menjalankan prinsip Tauhid, Keseimbangan, Kehendak Bebas, Pertanggungjawaban, dan Hikmah. Kendala yang dialami dalam menerapkan etika bisnis Islam adalah kurangnya pemahaman masyarakat akan bahaya riba, sering terjadinya penipuan properti syariah, dan pandemi Covid-19 yang masih terus berlanjut menyebabkan banyak masyarakat yang kehilangan pekerjaan. Kesimpulan penelitian ini adalah pertama, penerapan nilai-nilai etika bisnis Islam pada PT. Noor Eeman Nusantara telah diterapkan dengan baik, karena perusahaan ini berpedoman kepada Al-qur’an dan Hadis. Kedua, Kendala penerapan etika bisnis yang dialami oleh PT. Noor Eeman Nusantara masih dapat diatasi dengan mencari solusi di setiap permasalahan yang terjadi.  

Fintech syariah mulai tumbuh dan berkembang di Indonesia. Perkembangan yang cukup dratis dikalangan umat islam menaruh kepercayaan besar berinvestasi syariah ditambah dukungan generasi milenia dan generasi Z yang lebih berminat atas sistem yang serba cepat dan sistematis ditengah industri pendanaan resakdana dinilai semakin tertekan. Awal mula berdirinya fintech syariah merupakan respon dari berkembangnya perusahaan fintech konvensional yang mengenakan bunga ditiap operasi kegiatannya. Fintech syariah yang tidak mengandung unsur: Riba (Bunga), Gharar (Ketidakjelasan), Maysir (Judi), Tadlis (Penipuan), Dharar (Bahaya), Zulm (Ketidakadilan), dan Haram serta sistem akad syariah terkait hukum kontrak online dimana memberlakukan asas-asas hukum kontrak syariah berdasarkan hukum islam menjadi fenomena baru di tengah perkembangan bisnis keuangan syariah. Tujuan penelitian yaitu memberikan gambaran literasi tentang pemahaman fintech syariah terkait teori, dasar hukum fintech syariah, manfaat, resiko, sistem akad fintech syariah dan perkembangan fintech syariah yang sedang berkembang di Indonesia. Pengunaan metode kualitatif deskriptif berupa pengamatan perilaku dengan studi literatur dari buku teks, artikel media massa dan literatur online dipakai sebagai teknik pengumpulan data. Hasil penelitian ini adalah semua transaksi fintech syariah memegang teguh prinsip syariah, dimana sistem akad dianggap sah apabila sejalan dengan hukum syariah ditengah perkembangan fintech syariah yang mulai diminati semua kalangan pembisnis syariah.