Musyarakah mutanaqishah is musyarakah or syirkah ownership the assets (goods) or capital of one of the parties (shariq) are reduced due to gradual purchase by other parties. As well as a musyarakah agreement mutanaqishah is a combined contract between a musyarakah contract and a contract ijarah. Sharia syndicated financing is financing provided by two/more Islamic banks or financial institutions, with the same terms and conditions, using the same documents and administered by one bank. Regarding information on syndicated financing using a musyarakah agreement Mutanaqishah is still not widely known by the wider community until now This. So this research will focus on discussing contracts musyarakah mutanaqisah used in syndicated financing. Because This contract is a contract that needs to be socialized and more publicized the banking sector, because its existence is not widely known by the public common among other contracts which are also used for syndicated financing in sharia banking in Indonesia, after previously using contracts murabahah and ijarah mun tahiya bit tamlik.

The service's goal is to promote public understanding of domestic violence prevention and build awareness among the inhabitants of Mojorejo Village. Counseling activities in the community are motivated by phenomena that occur in the community. The problem of domestic violence itself is actually a problem that often occurs in married life, but some people do not consider what they experience as an act that is wrong in the eyes of the law. Therefore, the community needs to be given an understanding of domestic violence, so that if it occurs or experiences domestic violence, the victim can take legal steps. The method used is a participatory method which is expected to play an active role in legal counseling activities in the form of; Lecture on the Socialization of Law Number 23 of 2004 concerning Domestic Violence; Legal counseling regarding the material of Law Number 23 of 2004 concerning Domestic Violence;  Question and answer session about domestic violence through mediation.

One of the local wisdom in Manggarai that relates to agreement or engagement is the ijon system. Basically, the ijon system is asystem of agreement or trade ia an item that arises in the community that is not clear about the goods or thre results that will be obtained. The method that is appropriate or has relationship with the material that we will discuss, namely the descriptive research method. Descriptive research method is research that aims to describe something is acertain area and at a certain time. Usually in this reseach the research already gets or already has a picture in the form of initial data about the problem to be studied. Buying and selling coffee with a bond system is not made in writing but is only confirmed by the buyer’s deposit receipt. In the practice of the coffee bond system in Colol village, two parties are involved, namely: 1. Coffee Farmers 2. Ijon Buyers/Middlemen to solve any problems related to the bond system in their Village, can use several alternatives and step taken by Colol villagers if a problem occur, namely: 1. Done in a family way 2. Done at the village office 3. Done in court.
 

AbstrakKegiatan pengabdian kepada masyarakat ini merupakan pemberian pelatihan tentang cara pengelolaan keuangan secara digital, dan diharapkan pelaku UMKM dapat melaksanakan dalam aktivitas jual beli sehari-hari. Sehingga pelaku UMKM dapat meningkatkan daya saing dan produktivitas. Hasil Pelatihan dengan melakukan kegiatan yang telah direncanakan dengan pemaparan materi dan praktik langsung terkait dengan pengelolaan keuangan secara digital. Kegiatan pengabdian kepada masyarakat yang dilakukan memperoleh hasil antara lain: meningkatnya pengetahuan, pemahaman, keterampilan pelaku UMKM dalam pengelolaan keuangan secara digital.Kata Kunci: literasi, digital, keuanganAbstractThis community service activity provides training on how to manage finances digitally, and it is hoped that SME’s actors can carry out daily buying and selling activities. It is hoped that SME’s actors can increase their competitiveness and productivity. The training is by carrying out planned activities through the presentation of material and direct practice related to digital financial management. The results of community service activities carried out including: increased knowledge, understanding and skills of SME’s actors in digital financial management.Keyword: literacy, digital finance, SMEs

AbstrakKegiatan pengabdian kepada masyarakat ini merupakan pemberian pelatihan tentang cara pengelolaan keuangan secara digital, dan diharapkan pelaku UMKM dapat melaksanakan dalam aktivitas jual beli sehari-hari. Sehingga pelaku UMKM dapat meningkatkan daya saing dan produktivitas. Hasil Pelatihan dengan melakukan kegiatan yang telah direncanakan dengan pemaparan materi dan praktik langsung terkait dengan pengelolaan keuangan secara digital. Kegiatan pengabdian kepada masyarakat yang dilakukan memperoleh hasil antara lain: meningkatnya pengetahuan, pemahaman, keterampilan pelaku UMKM dalam pengelolaan keuangan secara digital.Kata Kunci: literasi, digital, keuanganAbstractThis community service activity provides training on how to manage finances digitally, and it is hoped that SME’s actors can carry out daily buying and selling activities. It is hoped that SME’s actors can increase their competitiveness and productivity. The training is by carrying out planned activities through the presentation of material and direct practice related to digital financial management. The results of community service activities carried out including: increased knowledge, understanding and skills of SME’s actors in digital financial management.Keyword: literacy, digital finance, SMEs

Bullying behavior in the school environment is a serious challenge that affects students' welfare and creates a learning environment that is not conducive. This research aims to investigate the dynamics of bullying behavior, focusing on identifying the perpetrator, protecting the victim's right to life, and implementing just, civilized humanity in the educational context. Qualitative research methods were used, by exploring data from document studies, including school policies, bullying incident reports, and student behavior records. The research results show the complexity of the factors driving bullying behavior, involving social inequality, family problems, and a lack of awareness of the consequences of actions. Protection of victims' rights to life is proven to need improvement through evaluating school policies and implementing effective reporting procedures. The implementation of just, civilized human values ??shows positive steps, however, challenges arise in monitoring and evaluating these programs. The conclusions of this research underscore the urgency of involving teachers, school staff and the entire educational community in efforts to prevent and deal with bullying. With a deep understanding of this problem, it is hoped that a safer, more inclusive and humane school environment can be created

The purpose of this study was to find out how the STAD learning model influences the ability to write readings in 20 grade IV students at SDN 13 Betung, Banyuasin Regency. Through extensive data collection, this qualitative research strategy aims to provide a comprehensive explanation of a phenomenon. The significance of phenomena and the importance of observing them is the main focus of qualitative research methods. In this paragraph, the students' goals for improving their learning of Indonesian are: 1) students can express considerations, presumptions, conjectures, and feelings stored in printed copies in a straightforward manner;(2) Students are able to write about the situation and context in their writing; 3) Students like to write; 4) Students can use linguistic elements in writing literary works. Writing can also be understood as expressing one's feelings, thoughts and intentions to others. Writing is a way to generate ideas and emotions through writing.

Worry is a person's feeling or mental condition that arises as a result of fear or anxiety about a certain thing or situation. The challenges of human life in the contemporary context, such as worries about financial pressure, work that never comes and so on, will have a negative impact on their body, spirit and soul. However, Jesus was present and gave teachings and advice on how to overcome anxiety. This is a teaching that really helps the lives of believers in today's contemporary context. The Gospel of Matthew 6:34 provides essential insight and understanding of how God loves His people. The method used is a qualitative method which aims to answer human concerns. The results of the study show that what believers need to do in the contemporary context in overcoming worry is to realize that worry is not useful. Jesus wants His people to prioritize Him in all things so that Jesus, who is full of love, will love His people by providing for all the needs of His people and humans too. You are required to be able to make peace with the situation by thinking positively by making the situation comfortable for yourself.

Abstract. This study aims to explore the collegial collective relationship between BPK members and follow up on the results of the examination. The approach used is the descriptive qualitative research method. Data were collected through interviews with 8 auditors from the DIY Representative BPK. The interview was conducted to explore the perception of the BPK auditors regarding the collegial collective relationship between members and the follow-up to the results of the examination. The results of this study indicate that there is a collegial collective relationship between BPK members. Since the existence of a collegial collective relationship between BPK members, there is no longer domination of the BPK chairman in deciding a policy. Policies that are strategic and have a national impact will be decided jointly by all members of the BPK (team 9 or agency members). If consensus is not reached, a vote is held to seek the most votes. Regarding the follow-up examination, when the auditor and the review team find any deviations, the follow-up is carried out by giving a kind of management letter to the auditee. BPK's findings must be followed up by returning the amount of money found. If the finding exceeds Rp10,000,000 must be reported in the LHP.
 
 

Home is an important place for most people, where they need to keep it safe and comfortable from outside interference. Therefore, there is a need for a security system that is able to protect against these disturbances. In this study, fingerprints were used to secure the door of the house, where in the process only the registered fingerprint was allowed to open the door. In table 1 it turns out that wet, wrinkled and peeling fingerprints can still be used and read by the sensor so that concerns that fingerprints cannot be used are refuted. In table 1 it is also proven that the process of opening the door can be done with an Arduino and a fingerprint sensor