The aim of this research is to find out how the sharia capital market affects the sharia economy. This research was conducted through a qualitative literature study, where the author collected data from various journal articles, books and other sources. The results of this research found that Islamic capital markets promote Islamic economics by incorporating ethical ideals into economic operations, resulting in a more inclusive and stable ecosystem. Profit and loss sharing used in several sharia capital market instruments including mudharabah and musyarakah encourages better risk management.

Sharia-based monetary policy instruments, such as the Bank Indonesia Sharia Certificate (SBIS) and the Sharia Interbank Money Market (PUAS), contribute significantly to liquidity stability and expand access to sharia banking services. Even though the sharia banking sector continues to grow, the market share of the national banking industry is still relatively small due to low financial literacy, limited infrastructure and global economic challenges. This research highlights the importance of strengthening sharia financial literacy, developing digital infrastructure, as well as collaboration between the government, private sector and Bank Indonesia to overcome these obstacles. Strategic recommendations are provided to increase sharia-based financial inclusion which is expected to become a model for countries where the majority of the population is Muslim.

This study aims to analyze children's religious and moral values during activities involving watching Islamic animated films at TK Al-Huda Kindergarten, South City District, Gorontalo City. The research employed a qualitative method. The subjects of this study were five educators and students, while the object focused on observing how children's religious and moral values were reflected during the activity. Data collection techniques included observation, interviews, and documentation.The results of the study indicated that the inculcation of religious and moral values in children through the activity of watching Islamic animated films at Al-Huda Kindergarten had been implemented effectively. This was evident in children's improved understanding of religious and moral concepts, such as in the religious aspect, where children became accustomed to greeting and responding to greetings, praying before and after activities, practicing prayer every Friday, and memorizing short surahs. Additionally, behaviors such as honesty, social care, responsibility, mutual assistance, and other positive attitudes also developed well.

Children who do not want to go to school and cannot complete their schooling and cannot finish their schooling or in other words do not get a diploma. There are various reasons why children can drop out of school, such as lack of attention from parents, economic problems, low interest in going to school, helping parents at work, being involved in juvenile delinquency cases, low intelligence levels, socialization and also the school zoning system. The purpose of the observation is to obtain information from the consequences of the child leaving school and to help the child to accept himself that he is a child who dropped out of school, so as not to be inferior and lose hope and convince the client (counselee) that the counselee can return to school and achieve his goals. This observation uses a qualitative method, in this case collecting data about events or phenomena that occur, and using a client-focused approach (psychotherapy that focuses on the client to solve his own problems), the counselor's presence is to listen empathetically and be fully present, and a rational-emotive behavioral therapy approach (an approach that aims to help someone overcome emotional disturbances and think rationally). From the results of the study, pastoral counseling assistance with a client-centered approach and rational emotive behavior therapy can help people who drop out of school not lose confidence, if they see their peers going to school, can open up, be more diligent in worship and more eager to prepare themselves to return to school.

This type of research is qualitative research and aims to provide an understanding of salvation in John 3:16 and God's promise of salvation to every believer. Salvation comes from the Greek word 'sozo' which means to save, liberate, preserve, preserve and heal. When related to humans, salvation is healing from death or maintaining life. Where the first humans created by God were Adam and Eve in a holy state without sin. Humans were created by God to be given the freedom to choose what is good and what is bad. But humans choose the wrong path so that humans' relationship with God is severed and spiritually they experience death. For this reason, salvation is needed by humans who have experienced spiritual death. And salvation is received by everyone because of grace and it is God's action to make humans receive eternal life again. This research also examines the eternal nature of salvation for believers, as well as how God's promise of salvation brings hope and certainty to His people. In conclusion, John 3:16 offers a view of salvation as God's eternal gift, given to every believer in Jesus Christ and is the basis for Christian faith in God's redemptive love.

Guarantee fiduciary guarantees play an important role in economic financing in Indonesia. However, implementation of fiduciary guarantee execution often leads to legal conflicts, especially the abuse of executorial power by creditors. Court Decision Constitutional Court Decision Number 18/PUU-XVII/2019 changes the execution mechanism to better protect the rights of debtors and emphasize the principle of justice. protect the rights of debtors and emphasize the principle of justice. This raises the need to reformulate Perkap No. 8/2011 to be relevant to the changes.changes. Research This research uses a normative method that analyzes the relevant laws and regulations related laws and regulations, the principles of justice, and their compatibility with social dynamics. The focus is to review the relevance and weaknesses of Perkap No. 8/2011 after the Constitutional Court Decision. The Constitutional Court's ruling limits unilateral execution and requires an acknowledgment of default or a court decision before execution. default or court decision before execution is carried out. This increases the protection of debtors' rights, but also adds procedural burdens for creditors. for creditors. The reformulation of Perkap No. 8/2011 is necessary to ensure that execution is more fair and lawful. The reformulation should include mechanisms that prioritize legality, protection of debtor rights, and oversight of abuse. monitoring against abuse. Synergy between the court, the police, and related parties need to be strengthened to create a balanced and transparent legal ecosystem and transparent.

Plans are a vital component in a government to achieve directed and sustainable development. This research aims to identify the importance of plans in managing resources, setting priorities, and creating transparency and accountability in government. The method used in this research is qualitative analysis based on literature reviews and case studies related to plan implementation in various governments, both national and local. The focus of this research includes the role of plans in resource efficiency, risk mitigation, and coordination between institutions. The research results show that governments that have thorough planning are better able to optimize the use of budget, labor and time compared to governments without clear plans. In addition, a good plan helps the government anticipate potential risks and challenges, as well as provide strategic solutions to face them. In terms of transparency, planning documents enable the public to monitor government performance, increase public trust, and support public participation in the development process. This research also found that plans that are inclusive and involve various stakeholders are able to create stronger synergy between institutions and maintain program sustainability even if there is a change in leadership. In conclusion, plans in government are not only a tool to direct development, but also an important instrument to ensure stability, effectiveness and efficiency. With a structured plan, the government can achieve development goals optimally and have a significant impact on community welfare. This research recommends strengthening planning capacity at all levels of government to improve the quality of governance and public services.

Academic workload is a responsibility in education that must be completed by individuals, while social support is assistance that helps fulfill emotional, physical, and social needs. Academic burnout is the physical, emotional, and mental exhaustion caused by excessive academic pressure over a prolonged period. This study aims to identify the influence of academic workload and social support on burnout among Office Administration Education students at the State University of Jakarta. The analysis results show that academic workload has a significant influence on burnout (coefficient 0.653), while social support is not significant (value 0.125). An R-Square of 83.3% indicates that both variables explain 83.3% of burnout variations, with the remaining influenced by other factors such as economic conditions and intrinsic motivation.

Fintech or financial technology is an alternative path in the financial sector based on information technology. Fintech as an innovation from electronic financing institutions provides many benefits, but on the other hand there are also weaknesses that are still a problem in society, namely data leakage in the fintech system which is implemented electronically. One of the companies that experienced a data leak is PT Fintech Cermati. In Indonesian regulations, preventive and repressive efforts against data leaks have been regulated in OJK Regulation (POJK) Number 77 of 2016 concerning Information Technology-Based Money Lending Services and Law No. 27 of 2022 concerning Personal Data Protection which regulates the Company's obligations in maintaining the confidentiality of its consumer data. This study aims to determine the extent of compliance and responsibility of PT Fintech Cermati for the protection of its consumers' personal data. The research method used in this study is descriptive analytical, namely against data that has been collected as completely as possible through secondary data from relevant literature sources to be discussed and explained systematically with primary data in the form of literature studies with an analytical concept approach method. The results of this study indicate that the company's obligation to comply with the provisions of Article 16 of the PDP Law in conjunction with Article 26 and Article 28 of POJK 77/2016 concerning maintaining the confidentiality of personal and company data can be held accountable in civil and criminal matters.

Assistance with digital financial reports using the Jaraya application for culinary MSMEs aims to increase the understanding and skills of MSME players in managing financial reports in a more efficient and structured way. Culinary MSMEs often face challenges in accurate and transparent financial records, which can affect their business decisions and business growth. In this program, the Jaraya application is introduced as a practical solution to simplify the process of recording transactions and creating digital financial reports. Assistance is provided through direct training, application usage simulations, and discussions to overcome problems faced by business actors. The results of this assistance show an increase in MSME players' understanding of the importance of organized financial reports and their ability to use the Jaraya application to monitor cash flow, manage profit and loss, and make better business decisions. This program is expected to have a positive impact on more efficient financial management and support the growth of culinary MSMEs in the future.