Purpose: This paper aims to analyze the role of Islamic banking in improving the agricultural sector as well as providing alternative solutions such as financing scheme for agricultural financing. Methodology: The research method is qualitative. A review of the extant literature was carried out for collecting primary and secondary data. In-depth interviews with key informants such the farmer and Islamic bank financing manager were also conducted. Data analysis was performed by adopting data reduction, data display with SWOT matrix, verification, and conclusion. Main findings: This paper finds that Islamic banking allocates financing for agricultural sector which is less than 10 percent of total financing. The finding is in line with the problem faced by the farmer. Based on the interview, it is known that the main problem of agriculture industry is limited access to the source of capital. The second finding pertains to the lack of Islamic banking’s role in agricultural financing caused by high risk perception and minimum competence of human resources to maintain the agricultural financing. Applications: This paper suggests the implementation of Ba'I As Salam scheme as an alternative for agricultural financing. Salam Financing Scheme is more suitable for agricultural financing than the murabaha financing that are commonly used today. Because the salam financing scheme intends to finance the sale and purchase of new commodities that are to be processed or produced and the delivery of their goods in the future, as well as allow for irregular payment schemes made in the harvest. Some of these advantages can be agricultural financing solution that is more in line with the characteristics of agricultural sector cash flow. Novelty/Originality of this study: Previous Studies related to the agricultural sector only deals with the impact of agricultural finance without offering low cost financing models as the solution to the main problem in the agricultural sector. This study provides solutions to these problems.

This research aims to identify potential new customers Syariah banking regarding factors that cause the customer has customer switching intention. The research methodology used is a naturalistic approach to qualitative research. Researchers using primary data sources with the techniques of data collection via an in-depth interview. The subjects of this study are the conventional banking that has customer switching intention to Islamic banks. The method of the validity used is the using the extension of observation, whereas his credibility using triangular theory. The dwarf in the taking of the sample used was snowball sampling. Researchers using the method of analysis of Milles and Huberman, namely the reduction of data, data display, conclusion. Results found in this study is the potential of the new Islamic bank clients can be identified through the factors that cause the customer switching behavior intention is extrinsic factors include; sales promotion and brand quality and intrinsic factors include: variety seeking, consumer loyalty, the perception of consumers, consumer preferences, attitudes, knowledge of consumers, quality of service and religiosity.Keywords: Customer switching intention, Variety Seeking ,Consumer perception, Consumer knowledge , Religiousity

Partners in this service are t-shirt craftsmen in Mejing Wetan Village, Gamping District, Sleman Regency, D.I Yogyakarta. Partners contribute to providing explanations related to conditions and problems faced by Partners, which then the Service Team will provide the right solution. The problem that was found by Partners was that the packaging of the t-shirts was still simple and less attractive. The second problem, innovation in t-shirt design is still lacking and has not included local cultural wisdom and religious elements. The solution offered to Partners is training and assistance in t-shirt product packaging. The second solution is training and developing t-shirt designs based on local cultural wisdom and adding religious elements. Based on the results of the deliberations, the Partners contribute to providing space and time during the mentoring, training, and business monitoring activities. This PKM program provides several real contributions and can be felt by Partners, namely: increasing the quality and innovation of products (t-shirts) in order to have a higher selling power and increase Partner income. The end result of this PKM activity resulted in product innovation in the form of t-shirts with local cultural wisdom designs by incorporating religious elements and packaging innovations made of cardboard in the form of blocks with contemporary designs.

This study aims to analyze the Risk Management of the distribution of productive zakat funds in the MISYKAT program at DPU DT Yogyakarta Branch. This research is a descriptive qualitative research. This study uses data collection techniques with triangulation techniques namely observation, interviews and documentation. Interviews were conducted with staff/employees at DPU DT Yogyakarta Branch, Mustahiq MISYKAT Program and who experts and concentrate on zakat. The informant selection technique is by establishing several criteria and data validity techniques by triangulating the source. The results of this study indicate that DPU DT in carrying out the MISYKAT program uses risk management that is fully guided by the book "Operational Strategy Guide for MISYKAT Empowerment Program DPU Daarut Tauhiid". The book was issued by the DPU DT central. Based on the results of the study it can be concluded that DPU DT implements risk management of productive zakat distribution in the MISYKAT program as well as operational procedures and guidelines issued by the DPU DT central even though it has not been fully implemented.

Panjangrejo is one of the Tourism Villages located in the east of Bantul Regency. Geographically, the location of this Tourism Village is very strategic because this Pottery Tourism Village is on one of the Parangtritis beach tourist routes, which is very crowded by tourists. Due to a lack of attention and support from the village government, the pottery craft of the Panjamgrejo tourism village is not as popular as the Kasongan village. The main problems faced by craftsmen include the stiff competition between pottery artisans, the lack of demand from outside the region due to limitations in marketing digital products (digital marketing), and the fulfillment of safe and attractive packaging. The method used in this service is the method of training and substitution of science and technology. The solution of product packaging that is still simple is overcome by procuring durable and attractive packaging boxes to increase product sales power and minimize product breakage. Also, the promotion of products that have not been run optimally is overcome by digital marketing training both through social media Instagram to Facebook ads with better internet signal support due to the availability of modems to facilitate online product marketing.