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Karlina Dwi Febrianingsih; Aulya Nur’ain

Jurnal Kesehatan Amanah 2026 Universitas Muhammadiyah Manado

Diabetes mellitus is a chronic disease that requires long-term pharmacological therapy, increasing the risk of Drug Related Problems (DRPs). DRPs can affect the success of therapy, increase the risk of complications, and reduce the patient's quality of life. This article aims to identify the use of antidiabetic drugs, the characteristics of DRPs, and their clinical implications. The method used was a literature review of articles from 2016-2026 that are relevant to the analysis of DRPs in diabetes mellitus patients. The results of the study indicate that metformin is the most widely used antidiabetic drug, both as a single therapy and in combination. The dominant types of DRPs include drug interactions, inappropriate drug selection, inappropriate dosages, omissions from therapy, and use of drugs without indications. These DRPs can cause hypoglycemia, failure to achieve glycemic control targets, an increased risk of complications, and increased duration and cost of treatment. Based on the results of the study, it is concluded that DRPs remain a challenge in the management of diabetes mellitus therapy, requiring more optimal monitoring and an active role of pharmacists through medication review to improve the safety, effectiveness, and quality of treatment.

Nazira Yuniar Asri Yanti; Hafifah Nasution; Putri Haryani

Jurnal Pajak dan Analisis Ekonomi Syariah 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze the effectiveness, contribution, and optimization strategies of Restaurant Tax and Hotel Tax in supporting the sustainability of Local Own-Source Revenue (PAD) of Bogor City. The study employed a descriptive method with a quantitative approach supported by qualitative data. The results indicate that the effectiveness levels of Restaurant Tax and Hotel Tax in Bogor City were categorized as highly effective, with average effectiveness ratios of 107.24%, and 117.74%, respectively. However, the contribution of Restaurant Tax to Local Own-Source Revenue was only 13.55%, which falls into the less contributive category, while the contribution of Hotel Tax was 8.03%, categorized as very low contributive. Based on the SWOT analysis, the reccomended optimization strategies include expanding the tax base through taxpayer data collection and updating, optimizing digital-based payment and monitoring systems, enhancing human resource capacity, strenghening tax education and outreach programs, developing risk based supervision, and improving inter agency cooperation. The implementation of these strategies is expected to increase the revenue and contribution of Restaurant Tax and Hotel Tax in supporting the sustainability of Bogor City’s Local Own-Source Revenue.

Mariva Triwinia Djonathan

Public Service And Governance Journal 2026 Universitas 17 Agustus 1945 Semarang

Usaha Mikro, Kecil, dan Menengah (UMKM) merupakan sektor penting dalam perekonomian Kabupaten Sidoarjo dengan jumlah mencapai 171.264 unit usaha pada tahun 2023. Sebagian besar pelaku UMKM masih menghadapi kendala berupa keterbatasan akses pembiayaan formal, rendahnya literasi keuangan, serta minimnya pendampingan usaha. Pemerintah Kabupaten Sidoarjo menginisiasi Program KURDA SAYANG melalui Peraturan Bupati Nomor 8 Tahun 2025 yang dilaksanakan bersama BPR Delta Artha. Penelitian ini bertujuan mendeskripsikan dan menganalisis implementasi Program KURDA SAYANG menggunakan teori implementasi kebijakan Charles O. Jones yang meliputi aspek organisasi, interpretasi, dan aplikasi. Metode kualitatif deskriptif digunakan dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa aspek organisasi didukung struktur kelembagaan yang cukup jelas, meskipun koordinasi dan sinkronisasi data UMKM belum optimal. Dari aspek interpretasi, regulasi program berkembang dari Perbup No. 95/2020, No. 52/2023, hingga No. 8/2025, namun masih terdapat perbedaan pemahaman kriteria penerima dan sosialisasi yang belum merata. Pada aspek aplikasi, program memberikan dampak positif terhadap kapasitas usaha, perluasan pasar, dan pertumbuhan omzet UMKM, dengan kendala kredit macet, minimnya pendampingan pascapencairan, dan monitoring berbasis dampak yang belum optimal.

Ikawati Ikawati

Bhinneka: Jurnal Bintang Pendidikan dan Bahasa 2026 Universitas Palan

The role of guidance and counseling teachers in student career planning in vocational schools is still weak. The purpose of the study was to analyze the implementation of the BK service program in career planning for vocational school students. The study used a qualitative descriptive method. The study was conducted at SMK Muhammadiyah Paguyangan with research subjects being BK teachers, vice principals for curriculum, and vocational school students. Data collection through observation, interviews, and document studies. Data validation applied triangulation of sources and methods. Data analysis used the Atlas ti.8 application. Research stages; determining topics, compiling interview guidelines, selecting data collection methods, collecting data, analyzing data, and drawing conclusions. Research results; (1) the role of BK teachers in identifying students' potential, interests, talents, providing guidance in choosing education or careers, as motivators, facilitators, mediators, directors, program managers, and informants, (2) BK teacher strategies in student career planning; providing basic services to recognize self-potential, motivating, encouraging the use of technology, and digital platforms, and (3) implementation of BK programs through an integrated process, including; program planning, resource provision, implementation of evaluation services, feedback, and continuous improvement. Program innovation and monitoring are integral parts to maintain the relevance and effectiveness of BK services. The success of BK program implementation depends on the quality of coordination and commitment of all parties in developing the program.

Prasetyo, Joko

Sinov : Media Informasi Penelitian Kabupaten Semarang 2026 Badan Perencanaan Pembangunan, Riset dan Inovasi Daerah Kabupaten Semarang

Semarang Regency is experiencing dynamic urban development as an impact of regional economic growth and its position in the Kedungsepur metropolitan agglomeration. This spatial dynamic requires continuous monitoring to understand its growth patterns. This study aims to analyze the morphology of urban development in Semarang Regency by utilizing Nighttime Light (NTL) remote sensing data from the VIIRS sensor for two periods: 2014 and 2024. The clockboard zones method was applied to analyze spatial patterns of light intensity distribution, identifying multi-centric development tendencies and urban sprawl phenomena with a total light intensity increase 86,13%. The results indicate that urban development in Semarang Regency does not converge toward a single center but is distributed along transportation corridors and secondary activity nodes, particularly in Ring 2 and Ring 3 zones. These findings offer strategic insights for spatial planning, regional development policy, and infrastructure provision.

Santi Wilda, Marchadha; Parulian, Firman Emmanuel Declarantius

Sinov : Media Informasi Penelitian Kabupaten Semarang 2026 Badan Perencanaan Pembangunan, Riset dan Inovasi Daerah Kabupaten Semarang

Lake Rawa Pening is one of Indonesia’s priority lakes facing serious ecological pressure due to the rapid proliferation of water hyacinth. This study aims to classify and map the distribution of water hyacinth in Rawa Pening Lake during the 2021–2025 period and to analyze the seasonal distribution patterns of water hyacinth. Sentinel-2 imagery processed on the Google Earth Engine platform was classified using the Random Forest algorithm combined with hybrid sampling and spectral indices (NDVI, NDWI, MNDWI, and SRI). Classification accuracy assessment showed high performance with an Overall Accuracy of 97.45% and a Kappa coefficient of 0.949. The results indicate significant spatial-temporal fluctuations, with the highest coverage recorded in March–April 2021 (855.75 ha) and the lowest in May–June 2022 (108.44 ha). Seasonal-Trend Decomposition using Loess (STL) revealed consistent seasonal patterns, with peak expansion occurring during the rainy season, particularly in January–February. Although initial implementation of lake management policies reduced coverage, subsequent increases suggest that control measures remain insufficiently sustainable. This study demonstrates the effectiveness of cloud-based satellite monitoring for evaluating lake management policies and supporting evidence-based environmental management strategies.

Muzaqi, Achmad Fatich; Aang Alim Murtopo; Zaenul Arif

JURNAL PENELITIAN TEKNOLOGI INFORMASI DAN SAINS (JPTIS) 2026 Institut Teknologi dan Bisnis (ITB) Semarang

Asset inventory management is vital for enhancing the operational efficiency of an organization. At the Communication and Informatics Office of Tegal Regency, the process for managing asset inventory is still performed manually, leading to various issues including challenges in asset documentation, data retrieval, management of borrowing, reporting damage, and overseeing the condition of assets. This research intends to create a web-based asset inventory management solution that leverages Quick Response (QR) Code technology to boost the effectiveness, efficiency, and precision of inventory management. The methodology employed for the system's development was Agile Development, which includes stages such as planning, analyzing requirements, designing the system, developing, testing, and conducting iterative evaluations. Data gathering was conducted through observation, interviews, and reviewing existing literature. The completed system offers several key features, such as inventory management, the ability to generate and scan QR Codes, processes for borrowing and returning assets, damage reporting, a monitoring dashboard, and management of user access based on roles.  The findings reveal that the implemented system enhances asset identification through QR Codes, delivers real-time inventory data, and enables more efficient monitoring of assets. According to Black Box Testing results, all functionalities of the system performed in alignment with the identified functional requirements. Consequently, the web-based asset inventory management system utilizing QR Code technology can act as a useful solution to enhance the asset inventory management quality at the Communication and Informatics Office of Tegal Regency.

Farchatul Hudayah; Slamet Wiyono; Zaenul Arif

JURNAL PENELITIAN TEKNOLOGI INFORMASI DAN SAINS (JPTIS) 2026 Institut Teknologi dan Bisnis (ITB) Semarang

Advancements in information technology encourage MSMEs to utilize information systems to enhance the effectiveness of their business management. Es Teh Arjuna, an MSME in Tegal City, faces challenges in monitoring partner sales and managing revenue because transactions are recorded manually using disparate methods; this results in slow data recapitulation, a risk of recording errors, and difficulty for the business owner in quickly accessing sales information. This study aims to analyze requirements, design, develop, and test a web-based information system for partner sales and revenue that provides information in  real-time. The Waterfall model was used for system development, while data collection involved observation, interviews, and a literature review. The system was developed using PHP and MySQL and tested via Black Box Testing. The results demonstrate that the system successfully integrates sales data from all outlets into a centralized database, streamlining the management of products, outlets, employees, cashiers, and sales transactions, as well as facilitating the generation of revenue reports for specific periods. Furthermore, the system enables the business owner to monitor sales performance more quickly, accurately, and systematically, thereby supporting decision-making and improving the operational efficiency of Es Teh Arjuna.

Siti Muntari; Febriansyah, Febriansyah

JURNAL ILMIAH KOMPUTER GRAFIS 2026 UNIVERSITAS STEKOM

Early Marriage in Pagar Alam City is currently still quite high, the Pagar Alam Religious Court only relies on a recap of the number of cases per year to draw conclusions about the early marriage data. This method has limitations in classifying early marriage factors, so the Religious Court has difficulty in monitoring and controlling the occurrence of Early Marriage in Pagar Alam City. The purpose of this research thesis is to produce a classification system for Early Marriage factors using the K-Nearest Neighbor Algorithm to find out what factors influence the occurrence of Early Marriage, the method used in this study is the Cross Industry Standard Process for Data Mining (CRISP-DM) which has 6 stages, namely: Business Understanding, Data Understanding, Data Preparation, Modeling, Evaluation, and Deployment. The testing stage in this study uses Confusion Matrix and BlackBox Testing. The final results of this study indicate that the system can classify Early Marriage factors. The classification model built achieved an Accuracy of 94.12% and a Precise value of 85.71% and a Recall value of 100.00%, while testing using Black Box testing in the form of alpha obtained a feasibility value of 83.2%, so this system is very suitable for use.  

Lahagu, Nicolas; Lahagu, Nicolas Elsada; Simbolon, Leni Kartika; Lotar Mateus Sinaga

JURNAL ILMIAH KOMPUTER GRAFIS 2026 UNIVERSITAS STEKOM

Manual server administration introduces operational inefficiencies and elevated risks of human error. This study evaluated the effectiveness of server administration automation utilizing Shell scripting and Cron Job scheduling within a virtualized Linux Debian 12 environment. An experimental method compared manual execution against automated procesases based on execution duration, resource consumption, and error reduction. The findings indicated that the automated system executed backup routines within 0.043 seconds, demonstrating a 95.16% time efficiency increase compared to the manual baseline of 0.89 seconds. Automated monitoring maintained a stable resource allocation, utilizing 275 megabytes of memory and low central processing unit usage between 0.0% and 1.3%. Furthermore, automation reduced operational failures to 0%. In conclusion, this integration significantly optimizes server reliability.

Zakia Ulrahmah; Hafni Zahara; Martina Martina

Jurnal Kesehatan Amanah 2026 Universitas Muhammadiyah Manado

Acute Respiratory Infection (ARI) remains a major public health problem in Indonesia. Based on the 2025 National Health Reporting System survey, ARI ranked first among diseases with the highest number of cases, reaching more than 14.5 million cases. This study aimed to determine and analyze the relationship between environmental sanitation and nutritional status with the incidence of ARI among children under five following flood disasters in the working area of Panteraja Community Health Center, Pidie Jaya Regency. The study employed a quantitative method with an analytical observational design using a case-control approach. The dependent variable was the incidence of ARI among under-five children, while the independent variables were environmental sanitation and nutritional status. The sample consisted of 122 children under five, including 61 children with ARI and 61 children without ARI. The results of the chi-square test showed a significant relationship between environmental sanitation and ARI incidence (p = 0.000; OR = 0.042; 95% CI = 0.014–0.133), as well as between nutritional status and ARI incidence (p = 0.000; OR = 0.011; 95% CI = 0.001–0.083). These findings indicate that poor environmental sanitation and inadequate nutritional status contribute to the occurrence of ARI among children under five after flooding. Therefore, promotive and preventive efforts, along with regular monitoring of children's nutritional status, are essential to reduce the risk of ARI.

Rafael Ardian Fahrezi; Iman Saufik Suasana; Danang Danang

JURNAL PENELITIAN TEKNOLOGI INFORMASI DAN SAINS (JPTIS) 2026 Institut Teknologi dan Bisnis (ITB) Semarang

The emergence of Internet of Things (IoT) technology has opened up considerable possibilities for automation systems aimed at enhancing energy efficiency in both home and office settings. This study focuses on the creation and deployment of an IoT-driven Smart Home system utilizing ESP32 for the automatic and manual supervision and regulation of electrical appliances within the Employee Dormitory of the Institute for Lecturer Performance Development (LPKD). The established system employs a Passive Infrared (PIR) sensor for detecting human presence and a Light Dependent Resistor (LDR) sensor to assess the intensity of light in the room. The data from these sensors is analyzed by the ESP32 microcontroller, which controls lights and fans automatically through relay modules based on the surrounding conditions. Furthermore, the system is linked to the Blynk application and the Telegram Bot API to enable remote operation and immediate notifications. The methodological approach taken in this research is Research and Development (R&D) employing a prototyping method. The assessment outcomes show that the system functions reliably, with success rates for sensor detection and appliance management exceeding 95%. The introduction of this system aims to boost electrical energy efficiency, improve user experience, and facilitate the adoption of IoT-centered smart facility management within the LPKD framework.

Nining Frianti; Ahmad Noor; Rahma Anggraini

Jurnal Kesehatan Amanah 2026 Universitas Muhammadiyah Manado

Partographs are an important instrument in labor monitoring that functions to detect complications early, monitor labor progress, and support appropriate clinical decision-making. However, incomplete filling of partographs is still a problem in various health service facilities and has the potential to affect the quality of midwifery services. This study aims to find out the completeness of filling in the partograph in childbirth monitoring at the Wajo Health Center UPTD Baubau City. This study uses a quantitative method with a descriptive design. The research population is all partograph documents for the period November 2025 to March 2026 as many as 40 documents. The sampling technique used total sampling and obtained 32 documents that met the research criteria. Data were collected using an observation checklist sheet and analyzed univariately through frequency and percentage distributions. The results showed that as many as 28 documents (87.5%) had not been fully filled out and only 4 documents (12.5%) had been filled in completely. The components with the highest level of completeness were uterine contractions (100%), drugs and fluids (96.9%), and labor progress (93.8%). Meanwhile, the components of maternal information (12.5%) and maternal condition (31.3%) had the lowest level of completeness. Most of the filling of partographs at the Wajo Health Center UPTD still does not meet the completeness standards. It is necessary to strengthen supervision, training, and periodic monitoring to improve the quality of childbirth documentation and support the safety of mothers and babies

Ainurrahman, Mochammad Firza; Ainurrahman, Mochammad Firza; Sutaji, Deni; Bhakti, Henny Dwi

JURNAL ILMIAH KOMPUTER GRAFIS 2026 UNIVERSITAS STEKOM

This study proposes a computer vision-based system for automatically verifying the use of Personal Protective Equipment (PPE) in industrial environments. The system integrates the YOLOv8 object detection model, OpenCV for image processing, and a State Machine mechanism to manage the verification workflow. The verification process begins with employee identification through ID card scanning, followed by real-time detection of the head, safety helmet, and face mask using a camera, before generating a final PASS or FAIL decision. System evaluation was conducted using 250 testing scenarios to assess both model and system performance. The results show that the YOLOv8 model achieved an mAP@50 of 93.9%, while the overall verification system obtained 98.4% accuracy, 98.4% precision, 100% recall, and a 99.2% F1-score. The implementation of the State Machine contributed to a more stable and consistent verification process by ensuring that each inspection stage was executed in the correct sequence. These findings demonstrate that the proposed system can effectively support automated PPE compliance monitoring and has the potential to enhance occupational safety management in industrial workplaces. 

Qutlubey Seyyeroh; Zahrotul Maulidia; Maghfirah Maghfirah; Renafilatus Sakinah; Ahmad Budi Susetyo

Jurnal Pajak dan Analisis Ekonomi Syariah 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Financial technology growth via digital wallets in Indonesia offers transaction convenience but challenges Sharia compliance. The main issues involve managing floating funds and cashback rewards, which risk exposure to riba. This study aims to examine and compare riba risk mitigation strategies in both areas. Employing normative legal research with qualitative, comparative, and conceptual approaches, it utilizes library research from DSN-MUI Fatwas, the Qur’an, Hadith, and fiqh muamalah literature. The findings reveal that floating fund riba risks can be minimized by depositing assets in Islamic financial institutions using wadiah or mudharabah contracts to avoid riba nasi’ah. Meanwhile, cashback riba risks are prevented by shifting the contract from qard to ju’alah or hibah mu’allaq, treating incentives as transaction rewards rather than loan benefits. Comparative analysis shows floating fund mitigation is structural, while cashback is reconstructive. Both work effectively under Sharia Supervisory Board monitoring. In conclusion, compliance requires practical execution via appropriate contracts, transparent supervision, and public education. Therefore, contract standardization by DSN-MUI and OJK, alongside enhanced Islamic financial literacy, is necessary.

Amrina Savira; Trisninawati Trisninawati; Andrian Noviardy; Mukran Roni; Heriyanto Heriyanto

JURNAL MANAJEMEN DAN BISNIS EKONOMI 2026 Institut Teknologi dan Bisnis (ITB) Semarang

Internship programs represent one of the implementations of the Kampus Berdampak policy aimed at enhancing students’ competencies, work experience, and readiness to enter the professional workforce. The success of such programs is highly dependent on effective governance through the application of the management functions of Planning, Organizing, Actuating, and Controlling (POAC). This study aims to analyze the implementation of POAC functions in the governance of student internship programs conducted outside Universitas Bina Darma. The research was carried out at the Kampus Berdampak Service Center of Universitas Bina Darma using a quantitative descriptive approach. Data were collected through questionnaires, observations, and documentation involving 23 students participating in off-campus internship programs. Data analysis was conducted using descriptive statistics based on the mean scores of each research indicator. The findings indicate that the implementation of POAC management functions in internship governance was categorized as very good, with an overall mean score of 4.29. The planning variable achieved the highest mean score (4.39), followed by organizing (4.30), actuating (4.27), and controlling (4.21). These results demonstrate that the internship program has been managed systematically and effectively. Nevertheless, monitoring and follow-up mechanisms require further improvement to support a more optimal and sustainable implementation of the program.

Annisa Dwi Sandy; Febby Maharani; Sarah Adelia Hasibuan; Abdurrozzaq Hasibuan

VitaMedica : Jurnal Rumpun Kesehatan Umum 2026 STIKES Columbia Asia Medan

Industrial hygiene is a branch of public health research that aims to prevent illness and promote Industrial hygiene is an aspect of public health that prioritizes health protection measures for workers through the identification, evaluation, and control of various elements of the work environment that can cause health problems. The goal of implementing industrial hygiene is to prevent work-related illnesses and create a safe, healthy work environment that supports workers’ well-being. Industrial Safety and Health (IS&H) encompasses these various components, including risk identification, risk assessment, risk mitigation, and worker health monitoring, waste management, and emergency response planning. Workplace risks can include physical, chemical, biological, psychological, and ergonomic hazards. Hazard analysis is a crucial step in industrial hygiene as it helps identify and document potential health risks in the workplace. The hazard analysis process includes hazard identification, risk assessment, hazard prioritization, and risk control. The implementation of Occupational Safety and Health aims to ensure the protection of employees’ safety and health from potential hazards arising from work, while ensuring a safe and sustainable work environment. The implementation of OSH and environmental health also provides broad strategic benefits such as worker protection, cost efficiency, increased productivity, regulatory compliance, and enhanced corporate reputation.  

Qadri, Muhammad Saleh; Yasin, as; Wati, Risnah; Milida, Rizkia; Nur Ainun, Rizkita

Journal of Administrative and Sosial Science (JASS) 2026 Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

The implementation of healthy and safe school standards is a strategic effort to create a learning environment that supports the health and safety of elementary school students. This study aims to evaluate the implementation of healthy and safe school standards at SDN 6 Kendari, which is characterized by its proximity to a market and a main road. The study employed a qualitative approach using a case study design, involving field observations, the completion of a healthy and safe school indicator questionnaire, and interviews with educators. The results indicate that SDN 6 Kendari has met most of the healthy school indicators, evidenced by well-maintained buildings, adequate ventilation and lighting, proper sanitation and waste management, and students’ consistent practice of clean and healthy living behaviors. Regarding the safe school aspect, the school’s social environment is relatively conducive and free from risky behaviors, supported by the availability of a monitoring system and collaboration with relevant parties. However, several areas still require improvement, such as the equitable distribution of handwashing facilities, more strategic placement of portable fire extinguishers, and strengthening traffic risk mitigation measures due to the school’s location. Overall, the implementation of healthy and safe school standards at SDN 6 Kendari has been proceeding well, but requires continuous improvement to achieve optimal compliance with the standards.

Nugroho, Santoso Tri; Winarsih, Hesti; Kurniasari, Putri; Nikmah, Nurul; Rizki, Nayla Kharismatul +4 more

Jurnal Pengabdian kepada Masyarakat Wahana Usada (WUJ) 2026 Sekolah Tinggi Ilmu Kesehatan KESDAM IX/Udayana

Background:Tuberculosis remains a serious public health challenge in Indonesia, including in Pekalongan City, which sees an annual increase in cases. The still high number of TB cases and deaths each year indicates that the program being implemented is not yet fully effective, therefore requiring active community involvement, increased capacity of health workers, and closer cross-sector integration. Aims: This activity aims to provide comprehensive community nursing care through a promotive and preventive approach, with an emphasis on identifying risky behaviors, knowledge deficits, and non-adherence to TB treatment. Method: The methods used included community assessment, establishing a community nursing diagnosis, planning education-based interventions, implementing outreach and simulation activities, and evaluating outcomes. Results: The results of the activity indicated that most people have limited knowledge about TB prevention, and that risky behaviors and non-adherence to therapy persist. Interventions, including group outreach, interactive discussions, and education on the importance of medication adherence, demonstrated increased knowledge and healthier behavior changes. Conclution: The conclusion of this activity emphasized the importance of the active role of community nurses in reducing TB transmission rates through educational approaches, active surveillance, and cross-sector collaboration. Recommendations focused on strengthening ongoing education and the involvement of families and community health workers in early detection and monitoring of TB patient therapy.

Meisya Hidayatika; Wirmie Eka Putra

Journal of Management and Social Sciences 2026 CV. Aksara Global Akademia

Pembiayaan Pra Pensiun Berkah merupakan salah satu produk pembiayaan syariah yang ditujukan bagi pegawai aktif yang akan memasuki masa pensiun untuk memenuhi berbagai kebutuhan konsumtif maupun produktif. Dalam pelaksanaannya, pembiayaan tersebut harus dilakukan sesuai dengan prinsip syariah dan ketentuan Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) agar terhindar dari unsur riba, gharar, dan maisir. Penelitian ini bertujuan untuk mengetahui prosedur akad Pembiayaan Pra Pensiun Berkah serta menganalisis kesesuaiannya dengan Fatwa DSN-MUI pada PT Bank Syariah Indonesia Tbk KC Jambi Pattimura. Penelitian ini menggunakan metode deskriptif kualitatif dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Data yang diperoleh dianalisis secara deskriptif untuk memberikan gambaran mengenai pelaksanaan pembiayaan di lapangan. Hasil penelitian menunjukkan bahwa prosedur Pembiayaan Pra Pensiun Berkah meliputi tahap pengajuan pembiayaan, pemeriksaan dokumen, pengecekan Sistem Layanan Informasi Keuangan (SLIK), analisis kelayakan, persetujuan pembiayaan, pelaksanaan akad, pencairan dana, hingga monitoring pembayaran angsuran. Akad yang digunakan dalam pembiayaan ini umumnya adalah akad murabahah dan musyarakah mutanaqisah (MMQ) yang disesuaikan dengan tujuan pembiayaan nasabah. Hasil penelitian juga menunjukkan bahwa pelaksanaan Pembiayaan Pra Pensiun Berkah telah memenuhi prinsip transparansi, keadilan, dan kehati-hatian serta sesuai dengan rukun, syarat, dan ketentuan yang diatur dalam Fatwa DSN-MUI. Dengan demikian, dapat disimpulkan bahwa prosedur Pembiayaan Pra Pensiun Berkah pada PT Bank Syariah Indonesia Tbk KC Jambi Pattimura telah berjalan sesuai dengan prinsip syariah dan ketentuan Fatwa DSN-MUI. Penelitian ini diharapkan dapat menjadi referensi bagi pengembangan kajian perbankan syariah dan bahan evaluasi bagi lembaga keuangan syariah dalam meningkatkan kualitas layanan serta kepatuhan terhadap prinsip syariah.