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This study aims to analyze the influence of secondary reserves, which consist of placements in other banks, securities owned, and acceptance bills, on wadiah deposits at PT Bank Syariah Indonesia Tbk. using a quantitative approach with secondary data from the bank's monthly financial statements for the period 2022-2024. Researchers select relevant research subjects to obtain significant findings. The data were processed using descriptive statistical analysis and multiple linear regression with the help of the SPSS program to test the hypothesis. The results show that there is a significant influence of independent variables on dependent variables, which illustrates the importance of asset quality and fund management in increasing customer trust and, ultimately, the growth of deposits.

Because interest-bearing deposits are not allowed by Islamic Sharia rules and principles, Islamic banks generally collect deposits in the form of profit-sharing investment accounts. These accounts differ from conventional deposits not only because of the profit-sharing nature of the returns they offer but also because the relationship between the customer and the bank is not a debt contract, so these deposits are not considered 'fixed capital.' (artinya, nasabah dapat menerima hasil negatif atau kerugian). This last characteristic poses serious regulatory issues in jurisdictions where bank deposits are legally required to have a definition of 'certain capital.' In general, the presence of such 'risk-bearing instruments' in the capital structure of Islamic banks complicates the assessment of their capital adequacy. Moreover, the fact that profit-sharing investment account holders are a type of equity investor without the governance rights held by creditors or shareholders poses a significant oversight problem. This article explains these issues in more detail and proposes a solution in the form of a structural distinction between Islamic banks in the narrow sense on one side, and entities managing profit-sharing investment accounts on the other.

Time management is planning, organizing and monitoring time productivity. Time is a performance resource that must be managed effectively and efficiently. In the world of education, time is likened to a sword that must be mastered, as well as in the field of tahfidz al-Qur'an, one of which is implemented in Dayah in Aceh, management is really needed to achieve the memorization target. Regarding this, standard data has not been found regarding time management at Dayah, therefore this research seeks to answer the concept of time management, its application, settings and implications for student memorization. This research is a field study using a qualitative approach, carried out at Islamic boarding schools in Aceh. Data analysis techniques are carried out through data reduction, data presentation and data verification. The research results show that the time management concept for tahfidz is prepared/scheduled after evening and evening prayers and memorized deposits after dawn prayers. This time is short, if you look at Dayah's priority which is devoted to memorization. The application of time management is not optimal, students often procrastinate memorizing, they do not recognize the activities (memorization) and the application of time is still not clear. Apart from that, students are less focused on results, and their responses or attitudes are less firm at times. The implications of time management for memorizing the Al-Qur'an in Dayah, in general, can be seen from the increase and changes in students memorizing the Al-Qur'an.

Tourism deposits have great potential in prospering the surrounding community and improving the economy. The ability and awareness of the community in managing the tourism potential that exists around is certainly very petrified for the economic life of local residents. The purpose of this research is to find out how Human Resources affect business sustainability. This study uses a quantitative approach with the population of this study is all Batik Micro, Small and Medium Enterprises (MSMEs) in the Krebet Tourism Village Area, Bantul Regency. Simplified sampling techniques. This technique is carried out by selecting samples freely according to the ease and access to data. The results of the study showed that the increase in knowledge did not have a significant effect on the business sustainability variable. Meanwhile, other variables such as HR Skills and Abilities have a significant impact on the business sustainability variable. the Adjusted R Square value is 0.764 or 76.4%. This shows that the improvement of knowledge, skills and abilities of human resources towards business sustainability is 76.4% while the remaining 23.6% is explained by other variables outside the model.

This study focuses on the effectiveness of supervision and regulation conducted by Bank Indonesia (BI), the Financial Services Authority (OJK), and the Deposit Insurance Corporation (LPS) in maintaining financial system stability in Indonesia. (LPS) in maintaining financial system stability in Indonesia. Through a qualitative qualitative approach with a literature review method, this research explores the role of each institution and identifies potential overlaps in each institution and identifies potential overlapping regulations that could affect national financial stability. can affect national financial stability. The results show that BI, through consolidated supervision and macroprudential policies, plays a significant role in maintaining monetary and financial stability. OJK, with its overarching mandate over the financial services sector, has implemented various regulations to ensure the integrity and stability of the financial system. to ensure the integrity and stability of the financial system. LPS contributes by guaranteeing customer deposits and handling failed banks, as well as coordinating with BI and OJK to maintain banking stability. with BI and OJK to maintain banking stability. To improve effectiveness, it is recommended to strengthen inter-agency coordination, regulatory harmonization, supervisory capacity, macroprudential policy, education and transparency, and international collaboration to maintain financial system stability, support sustainable economic growth, and improve public welfare.

This research aims to determine the influence of performance expectancy, effort expectancy, social influence, facilitating conditions on the use of Bank BSI KCP Kampung Tax Labuhan Batu Utara customers in using digital banking services. (BSI mobile deposits). This type of research is quantitative. The data used in this research is primary data obtained through questionnaires with variable instruments using a Likert scale which were distributed to respondents totaling approximately 100 people. The data analysis technique used is a data analysis test consisting of validity test, reliability test, classical assumption test consisting of normality test, multicollinearity test and heteroscedasticity test, and also using multiple linear analysis, which consists of F test, T test, and test the coefficient of determination (R²) using the SPSS version 22 data processing application. The results of this study show that performance expectancy has no effect, effort expectancy has a significant positive effect, social influence has a significant positive effect, and condition Facilitating conditions do not have a positive effect on Bank BSI KCP Kampung Tax Labuhan Batu Utara customers in using digital banking services (BSI Mobile Deposits).