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.

A study on the challenges of pension fund literacy and inclusion in Indonesia concluded that the average level of pension fund literacy in the period 2013 - 2025 only reached 18.08%, while the average level of inclusion in that period only reached 4.23%. The level of pension fund literacy and inclusion in Indonesia is low. In SNLIK 2025, the pension fund literacy rate was 27.79%, while the pension fund inclusion rate was 5.37%. Compared to the 2022 pension literacy rate of 30.46% and the 2022 inclusion rate of 5.40%, this means that pension literacy and inclusion rates are declining. It can be said that out of 10 Indonesians, only 2.7 people “understand” pension funds and only 0.5 (half) people “have” pension funds. This means that for every 10 Indonesians, less than 1 person has a pension fund. Low pension literacy and inclusion has a direct impact in the form of 1) an older generation at risk of poverty or financial dependence on children/family, 2) a continuing sandwich generation cycle, 3) stagnant growth of the pension fund industry, 4) low public trust, and 5) the emergence of public skepticism towards pension funds in the future.

Tenure conflicts in forest areas are long-standing structural issues in various regions of Indonesia, including Popayato Sub-district in Gorontalo Province. These conflicts arise from overlapping land claims between local communities, companies, and the state, directly affecting the socio-economic and ecological conditions of surrounding populations. This study aims to analyze the social and environmental impacts of tenure conflicts in Popayato's forest areas and assess the roles of stakeholders in seeking sustainable solutions. A qualitative case study approach was applied through in-depth interviews, field observations, and thematic analysis. Findings reveal that communities face restricted access to productive land and forest resources, disrupting livelihoods and local cultural sustainability. Ecologically, tenure disputes have triggered illegal land clearing and significant forest degradation. Local governments have made mediation efforts, yet face challenges in coordination and policy inconsistency. Civil society organizations play a crucial role in advocating community rights through participatory mapping and the promotion of legal recognition via social forestry schemes. This study recommends resolving tenure conflicts through collaborative approaches that uphold principles of social and ecological justice, including strengthening local institutions, participatory boundary mapping, and developing inclusive conservation-based business models. In doing so, sustainable forest management can be achieved by recognizing local rights and enhancing community participation in decision-making processes.

Remote islands in Indonesia face significant challenges in achieving sustainable electricity supply. This study analyzes the technical and economic feasibility of implementing a hybrid Solar Power Plant (PLTS) and Wind Power Plant (PLTB) system on Dudepo Island, North Gorontalo Regency. With an average solar radiation of 5.2 kWh/m²/day and wind speed of 4.8 m/s, the hybrid system is designed to supply approximately 97% of local electricity demand with an efficiency of 85%. Simulations using HOMER Pro reveal an optimal configuration of 100 kW PLTS, 60 kW PLTB, and 300 kWh battery storage. Economic analysis indicates a Levelized Cost of Energy (LCOE) of IDR 1,450/kWh, more affordable than conventional diesel generators, with an eight-year payback period. The system’s implementation has enhanced community well-being by providing stable electricity access for education, healthcare, and economic activities. Moreover, it contributes to carbon emission reduction by up to 120 tons of CO? annually. Technical challenges and local human resource capacity necessitate sustainable management strategies, including technician training and IoT-based monitoring systems. This study offers recommendations for sustainable renewable energy development on remote islands as a model for environmentally friendly energy transitions.

The buffer zone of BJ. Habibie Grand Forest Park (Tahura) in Bihe Village, Asparaga District, plays a strategic role in balancing environmental conservation and community agricultural activities. However, the widespread practice of monoculture corn farming and land clearing through burning threatens ecosystem sustainability and accelerates environmental degradation. This study aims to analyze farmers’ perceptions of buffer zone management and to identify the challenges and potential for transitioning to sustainable agricultural systems. A descriptive qualitative and quantitative approach was used through field observations, in-depth interviews, questionnaires, and document analysis. The findings indicate that most farmers possess basic awareness of the importance of conservation areas, but there are notable knowledge gaps regarding regulations and environmentally friendly practices. Although some farmers acknowledge the negative impacts of land burning and monoculture, economic limitations, inherited customs, and lack of technological support remain significant obstacles. Nevertheless, respondents expressed a high willingness to change their farming practices if provided with training and incentives. This study recommends a participatory strategy involving government bodies, conservation institutions, and academics to build farmers’ capacity and promote the adoption of sustainable agricultural technologies. A collaborative approach that considers the socio-economic realities of local communities is essential to ensure the long-term sustainability of the BJ. Habibie buffer zone without compromising farmers’ welfare.

This study aims to determine the effect of the number of MSME units and the labor force on economic growth (GRDP) in Gorontalo City. The study method used is quantitative, with data analysis techniques employing classical assumption test and hypothesis testing, and analyzing the data using multiple linear regression analysis with the assistance of IBM SPSS 21 software. The data used in this study include secondary data obtained from the Statistics of Gorontalo City and the Department of Manpower, Cooperatives, and MSMEs of Gorontalo City. This study consists of a dependent variable, which is the economic growth (GRDP) of Gorontalo City, and independent variables, which are the number of MSME units and the labor force during the period of 2020-2024. The results indicate that simultaneously, the variables of the number of MSME units and the labor force affect economic growth (GRDP) in Gorontalo City significantly. The variable of the number of MSME units, when considered individually, has a positive and significant effect onn economic growth (GRDP) in Gorontalo City. Meanwhile, the labor force variable has a positive and significant effect economic growth (GRDP) in Gorontalo City.

This study aims to evaluate the impact of zakat on improving people's welfare in Indonesia. Zakat, as one of the financial instruments in Islam, plays an important role in reducing poverty and improving social welfare through equitable distribution of wealth. The findings of the study indicate that the distribution of zakat has a significant impact on improving the quality of life of beneficiaries, especially in terms of fulfilling basic needs such as education, health, and economic stability. In addition, zakat has also been proven to reduce poverty rates and reduce income disparities in society. The success of zakat is greatly influenced by professionalism in its management, accuracy in distributing to those in need, and transparency of zakat management institutions. These results emphasize the importance of strengthening the zakat management system and cooperation between institutions so that zakat can function optimally as a tool for economic empowerment and equalizing welfare in Indonesia.

Education plays an important role in improving the quality of human resources, where teachers serve as the key to the success of the teaching and learning process. Prospective teachers need to possess adequate knowledge and skills to carry out teaching responsibilities effectively. The Teaching Practice Program (PLK) - Teaching Assistance is a course designed to help students of the education program at Universitas Negeri Padang develop teaching skills before entering the professional education field. However, based on preliminary observations at SMK Negeri 5 Padang, it was found that PLK-Teaching Assistance students still lacked certain teaching skills, such as mastery of subject matter, use of media and teaching methods, and classroom management. This study aims to determine students' perceptions of the teaching skills of PLK-Teaching Assistance students at SMK Negeri 5 Padang. The results are intended as feedback and improvement to enhance the teaching skills of these students. The research used a quantitative approach. The population consisted of Grade X and XI students of the Mechanical Engineering program, with a total sample of 126 students. The results showed that students' perception of the teaching skills of PLK-Teaching Assistance students in the Mechanical Engineering Education program at SMK Negeri 5 Padang was categorized as good, with a percentage of 67%. This included: 1) questioning skills (56%), 2) reinforcement skills (56%), 3) explanation skills (56%), 4) teaching variation skills (51%), 5) opening and closing learning skills (55%), 6) small group and individual teaching skills (56%)—all categorized as good; and 7) classroom management skills (41%), and 8) small group discussion guidance skills (42%)—both categorized as less satisfactory. Therefore, overall, students' perception of the teaching skills of Universitas Negeri Padang's PLK-Teaching Assistance students in the Mechanical Engineering Education program at SMK Negeri 5 Padang was considered good.

This research seeks to analyze the impact of audit committee features on the financial performance of healthcare entities listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023.  The analyzed parameters include audit committee size, independence of the audit committee, skill of the audit committee, and frequency of audit committee meetings.  Return on Assets (ROA) serves as a critical performance metric, with business size and the COVID-19 criteria accounted for.  This study utilizes a quantitative approach using panel data regression analysis on a sample chosen by purposive sampling methods.  This research is driven by notable variations in Return on Assets (ROA) throughout the healthcare industry and a financial reporting controversy concerning PT Indofarma Tbk.  The findings indicate a substantial and noteworthy impact of audit committee size and independence on financial performance.  In contrast, the experience of the audit committee and the frequency of meetings have no substantial influence.  These results highlight the need of harmonizing structural characteristics and efficient supervision within the audit committee for good corporate governance.  The research provides actionable insights for regulators and corporate management in enhancing the functions of audit committees.

This study investigates the impact of product quality, price, and brand image on the purchasing decisions of Wardah facial moisturizer among female students at the Faculty of Economics and Business, University of Lampung. Wardah was selected due to its popularity among young consumers and its reputation as a halal-certified brand offering affordable, high-quality products. Using a quantitative survey method, data were collected from 115 respondents who had purchased the product at least three times. The analysis, conducted through multiple linear regression, reveals that product quality, price, and brand image significantly influence purchase decisions both individually and simultaneously. These results highlight the importance of these factors in consumer decision-making and offer practical insights for cosmetic companies, especially Wardah, in crafting marketing strategies tailored to the preferences of young consumers. Additionally, the findings contribute to the growing body of marketing literature on cosmetic products in the Indonesian context.