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

Digital transformation in the Islamic banking sector requires innovation that is responsive to user needs. The BYOND by BSI application is a form of digital transformation by Bank Syariah Indonesia in response to these dynamics. This study aims to examine customer acceptance and satisfaction with the use of the BYOND application based on five recent national studies. The research findings indicate that factors such as perceived usefulness, ease of use, trust, and Islamic banking features play a significant role in driving customer usage and loyalty. Challenges include low digital literacy and concerns about security. With a sustainable approach to feature development and digital education, BYOND has great potential to strengthen the digital Islamic banking ecosystem in Indonesia.

This research aims to examine the application of business ethics in Islam, particularly moral principles in muamalah transactions, as well as the challenges faced in its implementation in the modern era. Using a descriptive qualitative approach based on a literature study, this research highlights key values such as honesty, openness, trustworthiness and responsibility as the foundation of Islamic business ethics. The case study of Toko Roti Gembul in Pontianak shows how these principles can be applied in the business world. The results also reveal various challenges, such as a lack of understanding of sharia concepts, weak supervision, and not optimal integration of Islamic values in business strategies. Al-Ghazali's thoughts on positive motivation and business as fardhu kifayah also strengthen the urgency of ethics in building a fair and sustainable economic system. This research is expected to be an academic and practical contribution in encouraging the application of Islamic values in modern business activities.Keywords: Islamic business ethics, morals, muamalah, transactions, sharia principles.

This study examines the integration of Islamic values in the development of science and technology in the Society 5.0 era through a qualitative literature study. The research analyzes three main aspects: (1) the concept of tadabbur alam (contemplation of nature) in the Qur'an as an epistemological foundation, (2) critique of secular science from a tawhidic paradigm perspective, and (3) implementation models in Islamic higher education. Findings reveal that the Qur'an provides a comprehensive epistemological framework connecting empirical observation, rational reasoning, and spiritual internalization. Case studies at UIN Bandung and UIN Surabaya demonstrate successful curriculum integration models such as "Revelation Guides Science" and "Integrated Twin Towers." The study concludes that Islamic epistemology offers solutions to contemporary challenges including ecological crises, technological ethics, and meaning crises in modern science. Strategic recommendations are proposed for policy makers, Islamic universities, and technology developers to operationalize this integration. Keywords : Islamic epistemology, Ccience integration, Society 5.0, Tadabbur alam, Tawhidic paradigm

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.

Briquettes are a type of alternative energy whose raw material source Plastic waste is an environmental problem faced by the people of Indonesia and the world. On the other hand, the production of waste generated in various institutions and sectors in Indonesia continues to increase every year, including the industrial sector whose production process is large-scale. Its use as a basic material for packaging bottles reaches 30% of world use. PET is also used as a synthetic fiber or polyester which accounts for 60% of world use. Study the author will do that is to make a tubing made from PET plastic waste that can be used as raw material for tubing. Using temperature variations (190?, 200?, 210?), then 9 samples from each variation will be micro-photographed the effect of temperature on tubing results and tested for maximum tensile. After that, calculations are carried out to obtain the maximum tensile stress and strain values. Then the average maximum load value that can be received by PET tubing is highest at 190ºC temperature tubing has the ability to withstand tensile strength better than all temperature variations so that the average value is 35.94 N/mm2 and 200ºC is able to withstand 35.49 N/mm2 and 210ºC with 18.30 N/mm2. It can be interpreted that the higher the temperature, the effect on holding the tensile strength of the PET tubing and making the plastic structure change so that 210oC is close to the recycling value, while for temperatures below it is still non-recycled.

Micro, Small, and Medium Enterprises (MSMEs) are an important part of the Indonesian economy, but many MSMEs still have difficulty using technology and transforming into sharia-based businesses. This study aims to analyze how technological innovation, especially e-commerce, can help MSMEs adapt to sharia business principles. Using a qualitative approach and literature study, this study examines the literature on sharia e-commerce, digital innovation, and the development of MSMEs in the digital era. The results show that e-commerce has great potential to expand the market, increase efficiency, and support sharia transactions such as interest-free financing. In addition, cooperation between digital platforms and sharia financial institutions can strengthen the halal economy. However, challenges such as low digital literacy, lack of infrastructure, and competition from large companies still exist. Therefore, it is important for all parties to cooperate to encourage the digitalization of MSMEs in an inclusive manner and in accordance with Islamic values. Keywords : MSMEs, e-commerce, technology innovation, sharia business, digital transformation.

This research examines the use of sharia contracts in Indonesian Islamic banking practices, focusing on the legal, financial, and religious facets of Islamic law. The primary goal is to examine the use of several Islamic contracts in actual financial transactions, including mudharabah, musyarakah, murabahah, ijarah, qardhul hasan, wakalah, kafalah, salam, and istisna, as well as how the hadith validates their validity. This study employed a normative legal method and a literature survey to qualitatively analyze both classical and modern sources, including national regulatory systems. The findings demonstrate that while the use of Islamic contracts improves equity, openness, and risk sharing, practical compliance, legal harmonization, and public literacy issues make implementation difficult. Strengthening regulatory congruence, boosting stakeholder education, and bolstering the sharia supervisory system are among the recommendations made to guarantee the integrity of Islamic banking operations. In line with Islamic principles, this study advances our knowledge of Islamic contracts as a crucial tool for creating a just and long-lasting financial system. Keywords : Islamic banking, Islamic contract, jurisprudence, sharia compliance, transaction

The swift advancement of digital technology has introduced financial innovations like Buy Now, Pay Later (BNPL). This payment method has become particularly popular among Generation Z, largely due to its promise of convenience and flexibility in online shopping.However, the widespread adoption of BNPL raises major concerns, especially regarding its implications for Generation Z's consumer behavior when viewed from an Islamic economic perspective. These concerns include impulse buying, the risk of excessive and unproductive debt accumulation, and potential conflicts with core Islamic principles such as the avoidance of waste and the prohibition of riba (interest). To mitigate these issues, it's crucial to improve financial literacy among Generation Z. We also need to ensure more transparency from BNPL providers, implement stricter regulations, and encourage responsible money management in line with Islamic principles.Keywords: Buy Now Pay Later, Generation Z, Islamic Economy