<p><em>The purpose of this research is to find out about the transaction system in digital wallets (e-wallets) associated with the wadiah yad dhomanah contract in the study of muamalah fiqh. Whether the transaction is in accordance with the principles of Islamic finance so that it creates peace for Muslims in using the application.</em></p><p><em>Digital payments are currently a public need along with the development of information technology in particular. This is evidenced by the non-cash payment innovation. This innovation in Indonesia was formally carried out by Bank Indonesia through the National Non-Cash Movement (GNNT) in 2014. This movement aims to increase public awareness of the use of non-cash instruments so that a community that uses cashless instruments is gradually formed (cashless). society).</em></p><p><em>The technology cashless society clearly plays an important role in encouraging the consumption of Indonesia's middle class to be more consumptive. The presence of electronic money is one way to encourage people to become consumptive. The touch of technology in consumption through electronic money has provided a new color in interpreting consumption. Consumption does not only use its utility function to spend but also an identity function that needs to be fulfilled. Non-cash payment innovation in Indonesia continues to grow, along with the rise of financial technology (fintech) products in the form of digital wallets (e-wallets) such as Go-Pay, OVO, Dana, LinkAja, Paytren, and so on.</em></p>
This research is concerned with STEM activity making water purifier filter. The experiment class applies project-based learning, while the traditional class is taught using conventional teacher talk or explanation. This research used triangulation methods. The quantitative methods were applied to analyze student achievement tests according to creative thinking skills in making water filtration design. The qualitative method was applied using observation of student activity, presentations, and interviews for selected students. The student achievement test was analyzed and coupled with pretest and post-test quasi-experimental research. The collected data were analyzed using inferential statistics in the form of an independent sample t-test to express creative thinking skills. The result of the pre-test indicated the sig (2-tailed) of 0.965, with a significant value of 5% (p>0.05). This result indicated two classes were homogenous. The data analysis of the post-test indicated value of sig (2-tailed) 0.00 where p≤0.05, which implied the student achievement test on creative thinking skills criteria in the experimental class was better than that in the control class.
<p><em>This study aims to find out the supervision carried out by the Sharia Supervisory Board, and try to analyze the role and function of the Sharia Supervisory Board in supervising shari'ah financial institutions, especially for ASKOWANU Jepara. This research is descriptive qualitative research, where data collection is carried out from various sources in the form of books, magazines, newspapers and documents related to the supervision of sharia financial institutions.</em><em></em></p><em>The results of this study illustrate that basically the supervision of sharia financial institutions has two systems, namely supervision of aspects: (i) financial conditions, compliance with the provisions of financial institutions in general and prudential principles, and (ii) compliance with sharia principles in the operational activities of institutions Islamic finance. In this regard, the structure of supervision of sharia financial institutions is more multilayer in nature, which would ideally consist of a system of internal supervision carried out by Sharia Supervisory Board, which is more in-depth and carried out so that there are mechanisms and control systems for the interests of management and external supervision systems. by DSN which basically to meet the interests of customers and public interests in general.</em>
ASEAN Economic Community (AEC) with characteristics of the economy and labour liberalization can be a blessing for Indonesian people when they are ready to deal with it, but it can also be disastrous if they do not prepare it. This requires the synergy of government and all elements of Indonesian society in facing the ASEAN Economic Community (AEC). Boarding school in the context of history has become an institution that is highly effective not only in the printing community deeply in the science of religion, but also in terms of the economy certainly cannot remain silent in facing the ASEAN Economic Community (AEC).
This study aims to determine the effect of applying a guided inquiry model using a virtual laboratory on the scientific argumentation skills of class IX students at SMP Negeri 11 Jember. This research is a type of quasi-experimental research with a quantitative approach. The population in this study were all class IX students of SMP Negeri 11 Jember, using 2 class samples, namely class IX F as the experimental class and IX E as the control class, with each class consisting of 32 students. The data collection technique used is test and non-test; the test consists of the posttest, and the non-test consists of observation, interviews, and documentation. The data analysis test used was the normality test and the independent sample t-test. The normality test results show that the data group was normally distributed. The independent sample t-test shows that the average scientific argumentation ability of the control class and the experimental class have significant differences.
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