This study explores the dynamics of multiculturalism in Singkawang, the most tolerant city in Indonesia. It surprises every scholar studying conflicts as the city can adequately manage conflicts. It was evidenced by the cessation of the deadly conflict, the Sambas 1999 in the city, and by the establishment of ethnocultural groups inherited since the Dutch colonialism that generated pseudo-multiculturalism, in which all ethnic and religious communities have been tolerant but exclusive and fragile to conflict. Fortunately, as the champ of economic but socio-political competition, the Chinese have an ancestral tradition of sharing their wealth considerably. This is with no regard to either the profane or sacred places or their Muslim counterparts' social or ritual activities. Supposedly, instead of refusing "infidelity" contributions, local ulama appreciate and, in return, struggle to promote the substitution of pejorative calls of Chinese with Tionghoa. In conclusion, theoretically, economic welfare is the mayonnaise poured over Singkawang's "Salad Bowls," maintaining its conducive but pseudo-multiculturalism.

The quality of service provided depends on the ability of service providers to meetcustomers’ expectations. This study aims to determine the impact of Islamic servicequality and floating market methods on the competitiveness of Islamic banks. Thisstudy used quantitative methods with non-probability sampling techniques, usingpurposive sampling techniques. The study population was BTN Syariah customers.The data acquisition was made by spreading questionnaires to customers. Informationgleaned from specific considerations tailored to the research’s purpose or problemand data analysed by multiple linear regression techniques. The results showed thatIslamic service quality affects the competitiveness of Islamic banks, and marketingmethods based on the floating market affect the competitiveness. The study improvedBTN Syariah Indonesia’s competitiveness in Islamic service quality and marketingmethods based on the floating market. This research helps banks recognise the pointsand strategies for strengthening Islamic banks’ competitiveness and generatingpositive experiences to gain customer loyalty with the proper approach, namelyIslamic service quality and marketing strategies with floating market methods.

The study aims to determine the influence of the quality of e-wallet transaction services simultaneously on the lifestyle of Solo Raya millennial students and determine the most dominant variables affecting the lifestyle of Solo Raya millennial students. A quantitative approach was used in this study. The study population consisted of millennial students in Solo Raya. The research sampling method was purposive and used predetermined criteria. Data collection techniques included documentation, literature review, and questionnaires. Data analysis using multiple regression techniques. The result of the study is that the quality of e-wallet transaction services simultaneously significantly affects the lifestyle of millennial students in Solo Raya. The most dominant variable affecting the lifestyle of the Solo Raya millennial students was reliability.

Investment is something that must be done by someone to plan future needs. As a financial regulator in a family, investment is essential for housewives. Investments can be made in various instruments, one of which is by saving gold in Sharia Pawnshop. Gold savings at Sharia Pawnshop is a gold balance deposit service that can make it easier for people to invest in gold by saving money. Therefore, this study aims to determine the effect of attitudes, subjective norms, and behavioural control on their Interest in saving gold in Sharia Pawnshop. The methodology used in this research is quantitative with a purposive sampling technique. This study's primary data was obtained directly through the Sharia Pawnshop Unit Ngabean housewife customer. The data analysis technique used multiple linear regression. The data collection technique used a questionnaire distributed to 96 housewife customers in the Sharia Pawnshop Unit. The results showed that people's attitudes and behaviour control variables significantly affected the Interest in saving gold in Sharia pawnshops, while the subjective norm variable did not affect saving gold.

This study empirically aims to analyse the strengthening of corporate identity and governance performance on the sustainability of Islamic banking in Indonesia, the influence of corporate identity performance on Islamic banking governance in Indonesia, and the influence of the performance of corporate identity and governance on the sustainability of Islamic banking in Indonesia.Types of quantitative research with an ex-post facto research design.The research population of all Islamic banks in Indonesia included BMI, BSI, BMSI, and BSMI samples.The data were analysed using simple additive weighting techniques by modelling using PLS-SEM.The study's conclusions show that strengthening corporate identity performance and governance toward the sustainability of Islamic banking in Indonesia is carried out through regulations, policies, and Sharia compliance. Corporate identity performance positively and significantly affects Islamic banking governance in Indonesia. A company's management has no effect on the sustainability of Islamic banking in Indonesia. Islamic banks in Indonesia need to re-reflect on neglected social activities because they prioritise commercial activities too much, thus ignoring social activities, which are also at the core of bank activities as intermediary institutions and financial services.