This research aims to describe competitive advantage which focuses on competitive strength, competitive area, and competitive results in improving the quality of Islamic education at SMAS Islam Sunan Gunung Jati Ngunut Tulungagung. This research uses a qualitative approach with a field study type. The method used in this research is descriptive with data collection techniques using in-depth interviews, observation, and documentation. The data analysis technique in this research was carried out in three stages, namely data condensation, data presentation, and verification of findings. Checking the validity of data in research uses extension and persistence of participation. The results of this research show that (1) the competitive strength of SMAS Islam Sunan Gunung Jati Ngunut Tulungagung refers to its advantages and differentiates it from competitors, thereby providing a competitive advantage in the market. (2) The competitive area includes certain market segments or the entire market targeted by educational institutions. (3) Then the competitive results are reflected in the institution's ability to attract prospective students, provide quality education, and meet the needs of students and parents effectively.

ABSTRACT, The development of Islamic financial institutions in Indonesia has experienced quite rapid development. Islamic financial institutions have many kinds, one of which is Islamic insurance. As insurance labeled sharia, it is obligatory in its operations to comply with Islamic principles and values. This research was conducted to analyze how the implementation of the tabarru contract on Islamic insurance in order to improve the economy. This research method uses a qualitative approach with the method of analysis of literature studies or library research. The data used in this research comes from books, journals, scientific papers, to legal online searches. The results of this study indicate that the implementation of the tabarru contract in Islamic financial institutions with a research focus on Islamic insurance institutions has implemented the tabarru contract in its activities. As well as having an indirect positive impact on improving the economy.

Sharia financial instruments continue to increase every year, including the Islamic capital market which has also experienced a significant increase. The Islamic capital market has one of the most important instruments, namely Islamic stocks. The capital market has been viewed by the world and has been used as an important instrument that every country must develop, it can be remembered for its important role in helping the economy. In writing this article using the library research method. By using the documentation data collection method, namely by quoting or recording directly from the website of the Financial Services Authority www.ojk.go.id and the Central Bureau of Statistics www.bps.go.id. The results of this study show that the strong and increasing role of the Islamic capital market in shaping the capitalization of the Indonesian capital market indicates that the Islamic capital market plays an important and significant role in driving the rate of economic growth in Indonesia.

There is a goal to be achieved in this research, namely to determine the effect of risk management on the financial performance of banks in Indonesia. One of the factors that influence banking financial performance is risk. There is a goal to be achieved in this study, namely to determine the effect of credit risk (NPL) and market risk (NIM) on the financial performance of banks in Indonesia. The sample used in this study is banking financial performance for 3 years which is calculated from 2016 to 2019. In this study the analytical method used is multiple linear regression analysis. The results of the study show that NPL has a negative and significant effect on banking financial performance. Meanwhile, NIM has a significant positive effect on ROA.

The Islamic capital market is an alternative source of funding as well as an investment vehicle for a company whose operational activities are based on sharia principles. In this case the Islamic capital market affects the level of economic growth of a country.  where when the level of investment is high, the country's economic growth will increase and vice versa. The purpose of this study is to determine the role of the Islamic capital market in increasing economic growth in Indonesia. This research uses the literature study method with sources from articles, books and data analysis using descriptive analysis regarding the role of the Islamic capital market in increasing economic growth in Indonesia. The results of the study show that Indonesia's economic growth is inseparable from the role of Islamic stock investment. Economic growth can be measured with the value of Gross Domestic Product (GDP). GDP  continues to increase over the past few years, as well as the sharia stock market capitalization which is quite stable. Where is the relationship between capitalization Islamic stock market with a positive Gross Domestic Product (GDP).