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 research delves into the significance of Islamic business ethics in cultivating consumer trust within the contemporary business landscape. Emphasizing principles like honesty, justice, trustworthiness, and transparency rooted in sharia law, Islamic business ethics aims to foster a just and sustainable economic framework. Through a descriptive qualitative analysis drawing on a literature review, the study highlights how adhering to Islamic values such as tawhid, knowledge, justice, responsibility, freedom, benevolence, and the distinction between halal and haram can curb fraudulent behaviors and enhance consumer loyalty. Findings demonstrate that companies embracing Islamic business ethics not only steer clear of legal infractions and reputational harm but also bolster consumer relationships based on trust and continued satisfaction. Thus, integrating Islamic business ethics serves as a cornerstone for ethical, competitive, and divinely favored business operations.Keywords : Islamic bussines ethics, consumer trust, sharia principles, ethical bussines

Human resource development and management activities are very important as an effort to produce employees who are agile and competent in carrying out their job duties. This is the task of the Managerial Competency Development Division at the Central Kalimantan Human Resources Development Agency (BPSDM). This research aims to find out how the Provincial Apparatus Training Activities are implemented at BPSDM Central Kalimantan by the Managerial Competency Development Sector. The method used in this research is a qualitative method with descriptive research type through observation, interviews and documentation. The results of this research are that BPSDM Central Kalimantan Province in the Managerial field offers several training courses such as PKN II, PKA, PKP, LATSAR and DPRD Member Orientation which are designed in a structured and well-organized manner to ensure that participants acquire the relevant knowledge, skills and attitudes needed to carry out their duties. effectively and efficiently. This is interpreted from the existence of a clear curriculum, varied learning methods, competent teachers, objective evaluation and certification for training participants who have completed the learning.

Indonesia adalah bangsa majemuk yang terdiri dari berbagai suku, ras, bahasa, adat istiadat, agama, dan budaya. Masyarakat Indonesia juga dikenal sebagai masyarakat multikultural dengan latar belakang budaya dan agama yang beragam. Secara konseptual, multikulturalisme mengacu pada profil negara sebagai bangsa yang majemuk dan masyarakat yang multikultural. Warga negara akan menghargai pluralitas dan multikulturalisme berdasarkan prinsip pemerataan. Multikulturalisme sebagai konsep keragaman dan pemerataan harus diakomodasi dalam sistem pendidikan nasional. Itu harus tercermin dalam kurikulum.