Islamic financial management is a crucial element in sustaining the growth of the Islamic banking industry in Indonesia. This study aims to analyze how Islamic financial management practices are carried out in national banking by referring to the regulations set by OJK, Bank Indonesia, and DSN-MUI. Using a qualitative-descriptive approach, this study examines policy documents, regulatory frameworks, and operational practices of Islamic financial institutions. The results of the study show that the implementation of Islamic financial management has adopted Islamic principles through the structure of fund raising, financing distribution, and risk and compliance governance. However, implementation in the field still faces various obstacles, both from the internal side such as limited human resources and gaps in understanding of regulations, as well as from the external side in the form of accelerated digitalization, weak coordination between authorities, and legal uncertainty. This research emphasizes the need to strengthen the capacity of industry players, adaptive regulatory updates, and institutional synergy so that the Islamic financial system can grow sustainably and in line with sharia principles.

The study investigates the influencing mechanisms behind Shaoxing High School parents' purchase intentions regarding online courses for their children's education. It identifies three primary factors: convenience, social influence, and performance expectations. Convenience pertains to the ease of access, flexibility, and user-friendliness of online platforms, significantly enhancing parents' willingness to enroll their children. Social influence highlights the impact of recommendations from peers and community members, reinforcing parents' confidence in their choices. Performance expectations focus on parents' beliefs about the educational outcomes of online courses, emphasizing the importance of perceived effectiveness and quality of instruction. These factors reveal a comprehensive framework that educational providers can leverage to tailor their offerings, thereby improving enrollment rates and student success in online learning environments. The findings underscore providers' need to address these key dimensions to enhance parental engagement and satisfaction in selecting educational programs based on the sample population of 380 high school parents.

Effective laboratory management is an important element in order to improve the quality of learning, especially in physics. This research is motivated by the need for a structured laboratory management system to ensure efficiency, safety, and sustainability of practicum activities. The purpose of this study was to examine the implementation of laboratory management at various levels of education as a real step in an effort to improve the quality of physics learning. The method used is descriptive qualitative, with data collection through literature study. The results showed that the implementation of laboratory management which includes aspects of planning, organizing, implementing, and evaluating has improved the quality of physics learning itself. Apart from the various supporting and inhibiting factors in it.

Technological developments and changes in the global world are driving rapid transformation in various aspects.The education system needs to undergo fundamental changes to prepare the next generation to face the challenges and opportunities of the 21st century. A new curriculum needs to be designed to teach students the essential skills of this century, such as critical thinking, creativity, collaboration, and understanding digital literacy. The conventional curriculum model that focuses on mastering factual knowledge and basic skills is no longer sufficient.In order to change education, all aspects of the education ecosystem must be evaluated comprehensively, including the government, educational institutions, teachers, parents, and society as a whole. The curriculum must be updated to support project-based learning methods, cross-disciplinary research, and an emphasis on developing 21st century skills. In addition, the way of teaching must shift from a teacher-dominated approach to a student-focused approach, with the help of digital technology.

Advances in artificial intelligence (AI) technology have brought about significant transformations in various sectors of life, including in the realm of education. In this context, the supervision of Islamic education as a mechanism for fostering and improving the quality of learning based on Islamic values, faces the demand to adapt to the development of technology. This article aims to explore the opportunities and challenges of Islamic education supervision in the AI era. On the one hand, AI offers various opportunities, such as optimizing learning monitoring, analyzing teacher performance data in real-time, and developing more personalized and adaptive learning models. But on the other hand, challenges also arise, including the potential reduction of spiritual values in the digitalization process, the gap in access to technology, and the need to improve digital literacy for Islamic educators and education supervisors. With a qualitative analysis approach and literature review, this article concludes that the integration of AI in Islamic education supervision must remain based on ethical principles and Islamic values, in order to be able to create a supervision system that is not only technologically efficient, but also spiritually and morally meaningful.

This study aims to determine the SWOT analysis in increasing competitiveness at PT. Matahari Department Store Kediri. The problem in this study is "does SWOT Analysis play a role in increasing competitiveness at PT. Matahari Department Store Kediri. The research method used is the descriptive analysis research method, SWOT Matrix, External Factor Evaluation Matrix (EFE Matrix), Internal Factor Evaluation Matrix (IFE Matrix). The results of the study indicate that when PT. Matahari Department Store Kediri The competitive strategy implemented by PT. Matahari Department Store Kediri only provides quality products at affordable prices but also considers maximum product sales through social media, and maintains the company's image in the eyes of consumers so as to increase customer loyalty and the weighted value of the Internal Factor Evaluation Matrix (IFE Matrix) is 2.85 which indicates that the position of PT. Matahari Department Store Kediri has a very strong internal position. While the weighted value of the External Factor Evaluation Matrix (EFE Matrix) is 3.02 which indicates that PT. Matahari Departement Store Kediri in facing the dynamics of the external environment the company's position is relatively strong.

Character development is a crucial element in the educational landscape, particularly in elementary schools where a child's personality starts to take shape. An effective approach to cultivating students' character is through Islamic Religious Education (PAI). This research seeks to evaluate how significantly Islamic Religious Education impacts the character development of elementary school students. A qualitative method is employed for this investigation, utilizing observation methods, interviews, and documentation concerning PAI teachers and students from various elementary schools. The findings from the research show that Islamic Religious Education plays a crucial role in promoting character traits like integrity, self-control, accountability, and acceptance. Effective learning, teacher role models, and religious activities in schools are supporting factors for the success of character education. On the other hand, limited lesson time and lack of parental involvement are challenges in its implementation. In conclusion, Islamic Religious Education has an important role in forming the character of students holistically from an early age.
 
 

The purpose of this study is to examine the influence of teachers' pedagogical competence on elementary school students' reading and writing skills through a literature review method. The review was conducted on five scientific articles published in the last five years (2020-2024) and discussed the relationship between pedagogical competence and students' literacy skills. The results suggest that teachers with high pedagogical competence, which consists of teachers' understanding of students' characteristics, lesson planning and implementation, and evaluation, are able to improve students' literacy skills more effectively. The application of varied, contextual and student-centered learning strategies contributed to improving students' reading and writing skills. Although external factors such as the family environment are also influential, the role of the teacher remains the main factor in the literacy learning process at the primary level. The findings confirm the importance of developing teachers' pedagogical competencies through continuous training in order to improve the quality of literacy education in primary schools.

Multiplication is a basic skill in mathematics that plays a vital role as a basis for understanding more complex concepts. However, many elementary school students still find it difficult to understand this concept because the learning approach is less varied and tends to be abstract. This study aims to review the effectiveness of the Realistic Mathematics Education (RME) approach in helping elementary school students understand the concept of multiplication better. The method used is a literature study by reviewing various previous studies on the application of RME in multiplication learning. The results of the study show that the application of RME with the help of concrete media such as number bags, puzzles, elimination boards, math boards, and magic boards is consistently able to improve students' understanding of concepts. In addition, this approach also encourages active participation, increases learning motivation, and develops students' analytical skills. The RME approach has been shown to be more capable of providing a more interesting and meaningful learning experience when compared to conventional learning methods. The implications of this study indicate that the RME approach can be a recommended method in elementary school mathematics learning to build a strong foundation in understanding mathematical concepts.

The study aimed to design a training program using the Fartlek training method to develop speed and strength endurance among preparatory school students, as well as to investigate the impact of Fartlek training on improving the technical performance of court defense skills in volleyball. The researcher adopted the experimental method with pre- and post-test measurements. The sample was selected purposively and consisted of volleyball players, specifically 18 second-year students. Six students were excluded for participating in the pilot experiment, leaving 12 students as the final research sample. The Statistical Package for the Social Sciences (SPSS)? was used to analyze the results. The findings revealed statistically significant differences between the pre- and post-tests in favor of the post-test. The progressive application of exercises positively contributed to the development of both physical and skill-related variables. The researcher recommended emphasizing physical and skill-related variables due to their importance in enhancing player performance. Additionally, the study advocated for implementing the training program—with its physical and skill-focused exercises—in regular training sessions, given its effectiveness in improving all tested parameters. The use of the Fartlek training method in training units was also encouraged, as it proved impactful in developing the physical capacities of the sample.