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The purpose of this study is to find out how the synergy between post-merger employees at the BSI Denpasar Branch Office. The research methodology used is qualitative research using triangulation in testing credibility as checking data from various sources in various ways and at various times. The informants in this study were employees of the Denpasar Branch of Bank Syariah Indonesia using a purposive technique. As well as data collection in the form of: Interviews and Documentation. This study describes the results under which the synergy between employees who previously came from BNI Syariah, Mandiri Syariah and BRI Syariah was well established.

The purpose of this study is to examine specifically related to the governance and accountability of cooperatives that have been carried out in Indonesia. This study used a qualitative design, with a population of 125 journals and through purposive sampling, a sample of 35 journals was obtained. The results of the journal review can be concluded: (1). The trend of research on governance and accountability of cooperatives in Indonesia is mostly done with a qualitative design, obtained the concept: to improve governance can be done through socialization and training on SPI to managers; comply with ethical principles and rules; the accountability aspect must be audited by KAP; the role of government; principles of transparency, accountability, responsibility, independence and fairness. Measurement of the dimensions of democracy, the quality of human resources, transparency, accountability, responsibility, independence and fairness. Good financial planning, transparency and accountability in financial management, increasing management commitment, knowledge, understanding of the duties and authorities of management regarding business risks and communication. Factors of members, administrators and supervisors as well as honesty and understanding; Sharia good corporate governance requires supervision from the Supervisory Board. Understanding of the important role of cooperatives for improving the community's economy, consistency in preparing financial reports. (2). Based on the quantitative design, it is concluded: cooperative governance and accountability have a positive and significant effect and accountability as a mediating variable on cooperative performance, there is no difference between financial accountability performance before and during the pandemic, cooperative reform has a positive and significant effect on cooperative governance and cooperative governance has no effect on the effectiveness of lending.  

The platforms are usually owned by individuals, in the village of Pangkalan Dewa, West Kotawaringin Regency, there are 5 palm oil platforms, one of which is the CV Ibrahim Putra platform. Many farmers sell their oil palm harvests to the CV Ibrahim Putra platform, this can be seen from the farmer data in 2021 that there are 200-250 permanent farmers who sell their oil palm harvests to the CV Ibrahim Putra platform. on the other platforms there are less than 100 farmers. This type of research is field research. Subjects consist of employees and farmers who sell their crops to the CV Ibrahim Putra platform. The technique of determining the subject is purposive sampling. The data analysis is data collection, data reduction, data presentation, and conclusion drawing and verification. The buying and selling system of the CV Ibrahim Putra platform is to pick up the fruit to the farmer's land or the farmer delivers it directly to the CV Ibrahim Putra platform, then the fruit is weighed using a ram scale, the fruit that has been weighed will be paid by the platform in cash with a receipt of the sale. The buying and selling system of the CV Ibrahim Putra platform in terms of transactions and pricing is legal according to Islam because there are no violations of Islamic sharia provisions. The presence of the CV Ibrahim Putra platform has a positive value for farmers and can improve the economic welfare of oil palm farmers.

The Cooperative, Micro, Small and Medium Enterprises Sector (CMSME) is             a business sector that has proven to play an important role in overcoming the consequences and effects of teh economic crisis. The objective of this study was to determine the effects if cooperative programs, human resource capabilities and member participation on the success of Sharia savings and loan cooperatives BMT Usaha Gabungan Terpadu Sidogiri Pasuruan. The study conducted on cooperative members who minimum has been a member for 2 years.

The purpose of this research is to find out how product diversification is carried out by Bank Syariah Indonesia after the merger to attract customers. The research methodology used is descriptive qualitative research. The informants in this study were employees of the Denpasar Branch of Bank Syariah Indonesia using a purposive technique. As well as data collection in the form of interviews and documentation. This study describes the results of product diversification carried out by Bank Syariah Indonesia after the merger to attract customers, namely by launching BSI products that were launched which did not exist in previous banks, namely Imas and BSI smart agents. Verification conducted by Indonesian Islamic banks is more effective in increasing customer interest which is increasing every month and is also suitable for expanding market share.

This study aims to analyze the challenges faced by the Sofyan-Jakarta hotel. First, the challenge of human resources, second, the challenge of literacy related to sharia hotels. The research method used is a qualitative method with a descriptive approach. The sources used are primary and secondary data sources. The primary data source was obtained from Mr. Riyanto Sofyan as the Owner of the Sofyan-Jakarta Hotel, and Dr. KH. Surahman Hidayat, MA as the Sharia Supervisory Board of the Sofyan Jakarta hotel. Secondary data sources were obtained from the literature. The data collection method used by the researcher was the interview, observation, and documentation methods. Based on the results of this study, first, the human resource challenges faced by the Sofyan hotel are; the lack of employees who have the ability to manage hotel operations on the one hand as well as mastery of sharia knowledge on the other hand and do not have work motivation as employees on the one hand and as preachers on the other. Then the second challenge is the lack of literacy related to sharia hotels so that the public is not yet able to recognize and distinguish between sharia and conventional hotels. Therefore, researchers recommend that routine weekly, monthly and quarterly training should be conducted for all employees. In addition, there must be cooperation with academics from various universities and Islamic mass organizations such as NU, Muhammadiyah, Persis, etc. in order to increase literacy related to sharia hotels.

Habituation in education is very much needed because psychologically, students model more behavior or figures they idolize, including their teachers. Habituation is also no less important in learning activities. This is because any knowledge or behavior gained by habituation will be very difficult to change or eliminate it so that this method is very useful in educating children. Moral development activities for students are carried out at Dharma Wanita Sumberrejo Kindergarten through the habituation method of learning Islamic Religious Education (PAI). The research method used is a service method that describes the phenomenon that occurs as it is, data sources are obtained through school leaders, teachers and parents of children. The analysis is carried out with reference to the stages of tabulation, coding and giving meaning to the data. The results of the service show that the implementation of child moral development through the habituation method already contains the main teachings of Islam, namely Akidah (faith), Sharia (Islamic) and Akhlak (Ihsan). The method of habituation given by means of getting used to the behavior or moral attitude of the child repeatedly and continuously. In addition to the habituation carried out by teachers in schools, the role of parents is actually important for children's habituation in practicing Islamic teachings that have been taught through habituation in schools, but this role will not be maximized when parental involvement is not full on the development of children's behavior and morals.