This research discusses the application of musyarakah contracts as a sharia financing solution for Micro, Small and Medium Enterprises (MSMEs) in the midst of digital economic development. MSMEs have a crucial role in sustaining the Indonesian economy, but still experience difficulties in accessing fair and sustainable financing. The musyarakah agreement, with its partnership and profit-sharing principles, is considered to be in line with the character of MSMEs that prioritize cooperation and justice. Through a qualitative approach based on a literature study, this research explores the potential, regulatory challenges, and strategies to strengthen the implementation of digital musyarakah. The results of the analysis show that digitalization offers great opportunities in promoting Islamic financial inclusion, but is still constrained by low digital literacy, limited infrastructure, and weak supervision of sharia principles. Therefore, a strategy is needed that includes improving education, developing Islamic financial technology, and collaboration between regulators, financial service providers, and MSME players. This study concludes that the successful implementation of digital musyarakah requires an integrated approach so that MSMEs are able to access Islamic financing independently, fairly and sustainably.

Based on the Qur'an and Hadith, this study investigates how Islamic teachings prohibit usury. Usury is an economic practice that damages the financial system. This study aims to provide an explanation of the meaning, legal status, and interpretation of the verses of the Qur'an and Hadith related to usury. This study analyzes the concept of usury and its types in contemporary financial transactions using a qualitative descriptive approach and literature study. The results of the study indicate that many communities, including Islamic communities, still do not understand the meaning of usury and its effects. Consequently, comprehensive education is essential to eliminate usury and support the development of a just and sustainable Islamic economic system.

The purposes of this research were to find out studens’ grammatical errors on writing descriptive text and the possible causes of their grammatical errors. This research used descriptive qualitative method with the 20 participants of IPA MA NW Perian as the sample. Observation, interview, and questionare were used as the research instruments. The result showed that the students produce 44,87 % errors in using verb, 23,07 % errors in using noun, 16,66 % errors in using pronoun, 8,97 % errors in using preposition, and 6,41 % errors in use of adjective. The students produced 44,87 % errors from 78 of total number of errors in writing descriptive text. Based on the result interview and questionnaire the researcher found that most students knew descriptive text definition but frequently found it difficult to write descriptive text since they were still confused in grammar, vocabularies arrangement, and word orders. It was concluded that the possible causes of errors are grammatical, words selection, and word orders.