This study aims to explore the linkages between Sharia Financial Institutions (SHIs) and Micro, Small and Medium Enterprises (MSMEs) in improving financial inclusion in Indonesia. Using a descriptive qualitative method based on a literature review, this study found that LKS plays a vital role in offering financing based on sharia principles that are suitable for the nature of MSMEs. In addition, LKS also provides financial training, business guidance, and management and spiritual support. The approach of digitalization, utilization of Islamic social funds, and creation of local partnerships has proven successful in reaching MSMEs that are not yet connected to formal financial institutions. However, challenges such as low understanding of Islamic finance and the limited network of LKS are still obstacles in maximizing this synergy. Therefore, cooperation between the government, LKS, and MSME players is essential to build an inclusive and sustainable Islamic economic ecosystem.Keywords:  financial inclusion, Islamic financial institutions, Islamic financing, MSMEs

This study analyzes the concept of profit margin determination in murabahah contracts from the perspective of fiqh muamalah. Murabahah, as a widely used financing instrument in Islamic financial institutions, often encounters controversy due to the practice of setting margins based on conventional interest benchmarks such as the BI Rate. This raises concerns about its compliance with sharia principles. Using a qualitative approach through literature review, the study examines classical and contemporary fiqh views, regulatory fatwas, and empirical findings on margin determination practices. The results show that while murabahah is legally valid under Islamic law, the current implementation in many institutions deviates from its original intent, particularly regarding transparency, fairness, and independence from riba-based benchmarks. The study recommends a cost-plus pricing model that incorporates real operational costs, transaction risk, and maqashid al-shari’ah considerations. It also emphasizes the need to enhance the role of Sharia Supervisory Boards and issue regulatory guidelines to ensure margin setting aligns with Islamic ethical standards. This research contributes to the discourse on aligning modern Islamic financial practices with the foundational values of justice, transparency, and public interest in Islamic economics.Keywords: fiqh muamalah, Islamic finance, margin, murabahah, sharia compliance

The implementation of Supply Chain Management (SCM) makes many businesses manage information, goods, services and money as good as possible so they can provide fast and high-quality services to customers. Therefore, this study aims to implement SCM in Kopi Bintang Salatiga SMEs to decrease production costs, increase revenue, improve operational efficiency and establish good relationships with customers. This study discusses the SCM process and the added value in Kopi Bintang Salatiga SMEs so in the future Kopi Bintang Salatiga SMEs can have good risk management and increase added value. The data was collected through literature study and interviewing the owner of Kopi Bintang Salatiga SMEs. This study found that weather, natural disasters, fires and coffee pests are the factors with the highest risk in the SCM process of Kopi Bintang Salatiga SMEs. The added value of farmers & post-harvest coffee processors of Kopi Bintang Salatiga Kopi Bintang Salatiga SMEs is already quite high at 99%, while at grade I coffee sales is 71% and grade II is 47% it appears that coffee with grade II has lower added value, so it is needing accuracy of coffee processing at farmers & post-harvest coffee processors so the grade I coffee product is increased.

The rapid growth of financial technology (fintech) has significantly supported the expansion of e-commerce. This literature review explores how fintech innovations—such as digital wallets, online payments, and digital lending—enhance transaction efficiency, increase consumer trust, and support small businesses in online markets. Findings indicate a strong synergy between fintech and e-commerce, though challenges remain in data security, regulation, and digital literacy. This study aims to provide a concise overview of fintech's role in driving digital economic growth.Keywords : fintech, e-commerce, digital payment, innovation, digital economy

This study discusses the use of the Quick Response Code Indonesian Standard (QRIS) as a cashless digital payment tool from the perspective of Islamic commercial jurisprudence (fiqh muamalah). QRIS is an electronic payment system recognized by Bank Indonesia to facilitate non-cash transactions in the country. From an Islamic legal standpoint, it is essential to analyze the validity of transactions and the underlying akad (contracts), as sharia principles require clarity (bayyinah), mutual consent (ridha), and the lack of riba (usury), gharar (uncertainty), and maisir (gambling). This research adopts a descriptive quantitative approach and literature study method to examine QRIS in the context of fiqh muamalah, particularly focusing on the validity and contracts involved in non-cash payments. The findings of this study indicate that the use of QRIS in financial transactions can be considered valid under Islamic law, provided it fulfills the essential elements and conditions of a valid contract, such as price clarity, transaction object, and mutual consent.Keywords : QRIS, Fiqh Muamalah, Non-Cash Transaction, Akad Islamic Economics

The transformation of the digital economy presents new challenges for the Islamic business law system, which is based on the principles of justice, transparency, and blessing. The dynamics of the digital economy, such as e-commerce, fintech, and blockchain, require the reconstruction of Islamic business law to remain relevant and responsive to contemporary developments. This study aims to analyze the necessity of reconstructing Islamic business law in response to the digital economy transformation, using a qualitative approach based on literature review. The findings reveal legal vacuums, a lack of specific regulations, and challenges in integrating Sharia principles into the digital ecosystem. Therefore, regulatory updates, the strengthening of Sharia economic legal literacy on social media, and innovation in digital economic fatwas are needed to build a fair, sustainable, and Sharia-compliant business ecosystem aligned with the maq??id al-shar?’ah.Keywords : digital economy, fintech Sharia, Islamic business, legal reconstruction, digital transformation.

The low interest in reading of students in elementary school is a serious problem that has a direct impact on the quality of learning, especially in Indonesian subjects. This article aims to identify and analyze various factors that affect student’s low interest in reading through a literature review approach. The results of the analysis showed that these factors included limited literacy facilities, lack of active role of teachers and parental support, negative influence of digital technology, less attractive teaching methods, and low motivation and reading habits of students. The impact of low interest in reading includes difficulty understanding reading, weak vocabulary mastery, and low learning achievement. This article also reviews various strategies that teachers can do to increase student’s reading interest, such as reading habits, the use of storytelling methods, reading corners, the use of technology, as well as thematic approaches and creative literacy programs. Cooperation between schools, families, and communities is needed to create a literacy ecosystem that supports the growth of reading interest from an early age.
 
 

Latar Belakang: Hipertensi merupakan masalah kesehatan global dengan prevalensi tinggi dan menjadi faktor risiko utama penyakit kardiovaskular. Kondisi ini sering tanpa gejala (silent killer) sehingga memerlukan pendekatan keperawatan komunitas melalui intervensi berfokus pada masyarakat untuk pengendalian yang efektif. Tujuan: Kegiatan ini bertujuan untuk memberikan gambaran implementasi keperawatan komunitas melalui edukasi kesehatan, senam hipertensi, dan pemberian jus tomat dalam pengendalian tekanan darah penderita hipertensi. Metode: Penelitian quasi experimental dengan rancangan one group pre-test post-test design yang diikuti 20 penderita hipertensi sesuai kriteria inklusi. Intervensi dilakukan 3 kali pertemuan (45 menit) meliputi edukasi kesehatan, senam hipertensi, dan pemberian jus tomat. Data dikumpulkan melalui pre-test dan post-test menggunakan kuesioner pengetahuan dan pengukuran tekanan darah, dianalisis secara deskriptif. Hasil: Setelah dilakukan implementasi edukasi kesehatan, senam hipertensi, dan pemberian jus tomat menunjukkan peningkatan pengetahuan dari 10% menjadi 95% berkategori baik serta penurunan tekanan darah sistolik sebesar 20 mmHg dan diastolik sebesar 13 mmHg. Kesimpulan: Pelaksanaan edukasi kesehatan, senam hipertensi, dan pemberian jus tomat terbukti efektif menurunkan tekanan darah pada penderita hipertensi dan dapat diterapkan sebagai program kesehatan masyarakat.

This study aims to review the literature on the effects of using ChatGPT on postgraduate students' competencies. The method applied in this study is a literature review of 420 journals from 500 journals. References were obtained from the Emerald Journal, Elsevier and Google Scholar by utilizing the Publish or Perish application. Data processing uses the VOSviewer application. With this literature review, it was found that.In the network visualization data, it was found that the widest link in the largest Red cluster was GPT, Chat GPT, Ability, Artificial Intelligent, Student, Chat, Higher education which was related to Postgraduate-student. In the overlay visualization based on the year, it was found that the projection of the year of collection at the time of the study. It can be seen from the darkest keywords, namely ability, student, skill, which have a longer research projection. Meanwhile, the research projections included in the latest research are with the keywords conversation, generative ai, education, and research. The results of Density Visualization show that the keywords ChatGPT, Ability, Higher Education, and Skill are included in the most frequently conducted research results. Meanwhile, the keywords generative AI, research, challenge, opportunity, conversation, artificial intelligent are included in the least conducted research. This shows that there is a significant relationship between the keywords mentioned.The recommendations given include strengthening the policies implemented in each university in each country for the use of AI as a medium for information and data processing. In addition, training on plagiarism in the preparation of various research journals and final assignments for postgraduate students needs to be intensified. The results of this study are expected to provide insight and breadth to related agencies that these opportunities can be further developed in Indonesia.
 

Usia pra sekolah merupakan masa kritis bagi perkembangan anak dimana pada masa ini anak mampu menerima informasi dan menyerap ilmu pengetahuan dari berbagai media salah satunya melalui teknologi gadget Banyak manfaat positif yang diperoleh dari penggunaan gadget,namun penggunaan gadget secara continue akan berdampak buruk bagi pola perilaku anak dalam keseharian anak.Pengasuhan yang tepat dari orangtua sangatlah penting diberikan kepada anak,karena anak masih terlalu muda dan belum memiliki pengalaman untuk membimbing perkembangannya sendiri kearah kematangan. Untuk mengetahui hubungan tingkat pengetahuan pola asuh orang tua dengan ketergantungan penggunaan gadget pada anak usia prasekolah di TK Taman Buah 1&2 Kabupaten Tangerang Metode Penelitian deskriptif korelasional dengan metode pendekatan cross sectional yang menggunakan data primer (kuesioner) Populasi yang diterapkan pada penelitian ini yaitu orang tua yang mempunyai anak usia prasekolah di TK Taman Buah 1& 2 Kabupaten Tangerang dengan sampel sebanyak 82 responden yang diambil dengan teknik total sampling  data diperoleh dengan cara membagikan  kuesioner yang telah valid dan reliabel analisa data secara univariat dan bivariate menggunakan uji chi-square. Hasil dari 82 anak prasekolah sebagian besar mengalami ketergantungan gadget sebanyak responden 51 ( 62,2% ) Terdapat hubungan antara  pola asuh dengan ketergantungan penggunaan gadget pada anak usia prasekolah.