The purpose of this research is to explore the concept of dlaman (the responsibility) in the field of Syariah Banking. The concept refers to business investment based on the principle of   profit share. In this sense, joint venture is a running business in which the risk account will be mutually responsible. Furthermore, related to financial loss, the capital loss is not the responsibility for such a manager, this is in the case if the manager is not careless or improper on his/her duty. This research applies the library approach concerning the classical and modern books to construct the concept of dlaman in the field of syariah banking. The result of research indicates that the role of Syariah Banking is not same with the role of mudlarib (investor manager) as the case of conventional mudlarabah (mudlarabah tsunaiyyah). In the classical books, the system of conventional mudlarabah regulates simply for the concept of profit share between two people namely: investor (shohibul mal) and mudlarib. Meanwhile, in fact the syariah banking can be act as mudllarib for saving customer as well as shohibul mal for financing customer. While, the role of Syariah bank to carry out the financial saving for society can be seen as mudlarib intermediary. 

Purpose: This study aims to examine the relationship between empowerment leadership and organizational innovation. This analyzes the influence of empowerment leadership on organizational innovation, whether knowledge sharing mediates the effect of empowerment leadership on individual creativity, if individual creativity moderates the influence of empowerment leadership on organizational innovation, and how psychological empowerment mediates the effect of leadership on individual creativity.   Theoretical framework:  Empowerment leadership includes delegation of authority, participating in decision-making, informing employees about regulations, becoming a role model, showing concern, and interacting with the team members. Organizational innovation is the ability to generate and adopt new ideas or behaviors because it increases productivity and business performance.  Knowledge sharing is a mechanism that fosters individual creative thinking and increases employees' creativity. Therefore, leaders tend to promote the practice of knowledge sharing by generating useful new ideas and thoughts.   Design/methodology/approach: Respondents are lecturers at the Faculty of Economics and Business of Islamic Higher Education (IHE) in Java, Indonesia, who have been selected as participants. Data were analyzed using the PLS-SEM to test the modified results of several models.   Findings: The results showed that empowerment leadership directly affects organizational innovation, knowledge sharing mediates the influence of empowerment leadership on Individual creativity howevet, it failed to mediate the effect of empowerment leadership on organizational innovation, while psychological empowerment failed to moderate the relationship between variables.   Research, Practical & Social implications:  This study added distinctive supports to the leadership literature by identifying key leadership behaviors that foster or impair individual creativity, knowledge sharing and organizational innovation through investigating their relationships with leadership styles in the same research model.   Originality/value:  This study indicates that empowerment leadership majorly affects organizational innovation. Furthermore, knowledge sharing plays an important role by mediating between variables for the development of organizational innovation.

Cooperatives also have an active role in efforts to enhance the life of the nation and to realize a national economy based on the principles of family and economic democracy. The problem faced by cooperatives today is that cooperatives are less able to become business institutions that provide good services to all members and society in general. Limited funds and low human resources become a barrier for cooperatives to develop. Partnerships between cooperatives and other financial institutions are alternatives to improve cooperatives in developing their businesses. This study purpose on developing a cooperative economic development through a strategic partnership approach between cooperatives and other financial institutions so that cooperatives can grow, develop, and be sustainable. The method used in this research is descriptive qualitative research using in depth interview with informant. The informant is a cooperative for savings and loan managers who are willing to be interviewed in Batu City. The results showed that the cooperative strategy in building partnerships between cooperatives and other financial institutions was carried out based on the principle of mutual benefit. Cooperatives need to improve themselves so that they can meet the feasible and bankable criteria. Thus partnerships between cooperatives and other financial institutions will be established, thus cooperatives will grow and develop.

Purpose - This study aims to examines the concept and implementation strategy of murabahah financing in the development of MSMEs and customer perceptions of murabahah financing at Bank BRI Syariah Jambi Branch Office.Method - This research uses a qualitative approach with a type of case study. The research data were obtained by conducting in-depth interviews, observation and documentation. MethodMiles and Huberman were used as data analysis techniques by way of data reduction, data presentation and drawing conclusions / verification.Result - Murabahah financing at BRI Syariah Bank Jambi Branch Office using murabahah with installments (bitsaman ajil). The next concept is to combine the wakalah and murabahah contracts. The strategy chosen in an effort to increase murabahah financing is to implement two strategies simultaneously, namely the internal strategy and the external strategy. Meanwhile, the perceptions of murabahah financing customers on the development of MSMEs are generally satisfied with the systems, regulations and services provided. However, customers' understanding of the concept of Islamic banking is still minimal.Implication - Optimizing the strategy for increasing financing and disseminating the understanding of the Islamic banking concept to customers and the general public at large.Originality- This study aims to determine the perceptions of Islamic bank customers about murabahah financing in Jambi City.