This article discusses the importance of ethics, morals and morals in the context of sharia banking in Indonesia. With increasing public awareness of sharia values, sharia banking strives to provide financial services that meet the principles of justice, transparency and social responsibility. Sharia-based business ethics not only require bankers to behave honestly, but also understand the moral norms that govern social and business interactions. Morality rooted in religious and cultural values ??is a guideline in maintaining the integrity of financial institutions. Meanwhile, morals reflect individual character which is formed through education and experience, which is very important in maintaining the public's reputation and trust in financial institutions. This article also identifies the challenges of implementing ethics and morals in sharia banking, and provides suggestions for increasing the understanding and application of these values ??among banking professionals. By understanding ethics, morals and manners, it is hoped that more ethical and sustainable business practices can be created so that they can make a positive contribution to society.

 
Abstract. The research investigates the principles and ethical codes in business, highlighting their critical role in today's competitive environment. As businesses face increasing pressure to balance financial success with ethical conduct, the study aims to define these concepts, explore their scope, and identify key ethical principles while examining their implementation in Islamic banking. Employing a qualitative methodology, the research analyzes literature and case studies to understand the frameworks guiding ethical business practices. Findings reveal that principles such as honesty, social responsibility, and fairness are essential for fostering trust among stakeholders and enhancing corporate reputation. The implications stress the necessity for businesses to integrate these ethical codes into their operations actively, as doing so not only builds a positive public image but also contributes to long-term sustainability. Furthermore, the study identifies challenges in applying these standards, emphasizing that overcoming such obstacles is vital for creating a fair business ecosystem that benefits all parties involved.

This research aims to analyze the role of economics and business in the context of sustainable development using a stakeholder approach. In facing complex global economic challenges, collaboration between various stakeholders—including government, the private sector, and society—has become critical to creating solutions that are effective and responsive to society's needs. The research method applied is descriptive qualitative, with data collection through in-depth interviews and participant observation in locations with significant economic activity. The research results show that synergy between stakeholders has a big influence on local economic development. This research identifies key factors such as effective communication and trust as important elements in collaboration. It is hoped that these findings will provide insight for policy makers and business people in formulating more inclusive and sustainable development strategies.

Companies face new challenges in maintaining compliance with business ethics in the digital era which is characterized by technological advancements and globalization. It is essential to implement business laws to ensure that the company's practices not only comply with applicable regulations but also follow high moral standards. The study looks at how business law can help with ethical compliance in the digital environment, including data protection, transparency, and social responsibility. Using case studies from various industries, this study shows that consistent application of business laws and ongoing ethical counseling can create a strong culture of compliance. As a result, the company can not only reduce legal risks but also build a good reputation in the eyes of the public and consumers.

The application of business ethics in the sharia banking industry plays an important role in differentiating sharia banks from conventional banks, with a focus on the values of justice, honesty and transparency. This article analyzes the challenges and opportunities for implementing business ethics in the context of Islamic banking. Some of the main challenges include a lack of understanding of sharia principles, conflicts between profitability and ethical values, as well as regulatory obstacles and competition with conventional banking. However, big opportunities also arise through increasing public trust in sharia financial services, using technology to increase transparency and efficiency, and supporting pro-sharia government regulations. By overcoming these challenges and exploiting existing opportunities, Islamic banking can strengthen its position as a more ethical and sustainable alternative in the global financial industry

Trade liberalization has become an integral part of economic globalization, providing both opportunities and challenges for the Micro, Small, and Medium Enterprises (MSMEs) sector in Indonesia. This study aims to analyze the impact of trade liberalization on MSMEs, including the opportunities it creates, the challenges faced, and the adaptive strategies that can be implemented. Using a qualitative approach based on literature reviews, this study explores various references related to the socio-economic impacts and policy implications for the MSME sector. The findings indicate that although trade liberalization opens broader market access and enhances innovation potential, MSMEs face significant challenges such as global competition, limited capital, and compliance with international quality standards. Therefore, inclusive policies and empowerment programs are essential to ensure MSMEs’ sustainability and equitable benefits from trade liberalization.