This research is to know: (a) how the image of PT. AR Tour & Travel by service users, (b) how the efforts of PT. AR Tour & Travel in build the image as a form of differentiation marketing, (c) marketing advantages by use dimension of image done by PT. AR Tour & Travel. This research uses descriptive qualitative research method. Data source used is primary data and secondary data. Technique of collecting data with observation, interview, and documentation. Test of data validity use triangulation. The results are: First, some images that apply to the PT. AR Tour & Travel by service users, (a) PT. AR Tour & Travel has an expensive package price, (b) PT. AR Tour & Travel provides the best facilities, (c) PT. AR Tour & Travel is able to provide a manasik that is easily understood and followed by the pilgrims, (d) PT. AR Tour & Travel has a variety of packages that can be adapted to the needs of pilgrims, (e) The employees of PT. AR Tour & Travel has a friendly attitude in service. Second, the efforts made by PT. AR tours & Travel in image building are, (a) utilizing the charismatic image of the leader of the AR Foundation, (b) varying product packages, (c) applying work traditions and culture, (d) maintaining good communication with service users. Third, the advantages of marketing differentiation using image dimension is quite effective, the indication can be seen from the data of the number of service users who always show well.

In recent years, many top universities from non-English countries have been implemented English Medium Instruction (EMI) in teaching and learning processes because it provides beneficial impacts for institutions, lecturers, and students. However, some other countries do not support EMI implementation because it has several drawbacks that are ineffective for educational systems. This conceptual review article aims to promote the benefits of EMI implementation and suggest the better application of EMI in Indonesian higher education. The research methodology used in this investigation is a critical literature review. The concept used in this paper is to critically explore the potential implementation of EMI in Indonesian higher education, which aims to teach specific content subjects through English as a medium of instruction. This implementation promotes students’ bi-literacy and bilingual skills and their learning motivations to be highly capable of competing in the globalization era. As a result, the implementation of EMI expands three benefits that can be attained by the students and lecturers; EMI enhances academic competence, improves English proficiency level, increases motivation in the learning process. This critical paper proves that EMI implementation will significantly benefit Indonesian institutions, especially their students and lecturers.

The purpose of this research is to (1) know of products of Islamic insurance at AJB Bumiputera 1912 Syariah Cabang Kudus; (2) know how procedure and mechanism of application of akad tabarru’ in Islamic insurance at AJBBumiputera 1912 Syariah Cabang Kudus; (3) analyse the application of akadtabarru’ in Islamic insurance at AJB Bumiputera 1912 Syariah CabangKudus.This research including field research with qualitative approach. Dataanalysis using descriptive analysis.Result of this research indicate that (1)products at AJB Bumiputera 1912 Syariah Cabang Kudus are products withsaving system; individual insurance (Mitra Sakinah, Mitra Mabrur and MitraIqra’) and group insurance; (2) in executing daily activity of AJB Bumiputera1912 Syariah Cabang Kudus, premium which step into the company groupedto become the Tabarru’ (benefaction fund), Premium of Saving and Premiumof Cost; (3) application of Akad tabarru’ at AJB Bumiputera 1912 SyariahCabang Kudus as according to religious advices of Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) No. 21/DSN-MUI/X/2001 about common guidance of islamic insurance expressed that akad tabarru’ is all form akad done with benefaction purpose and help mutually, not for the commercial purpose

Religious harmony for a plurality country, multi-religion is the main element in creating brotherhood and national brotherhood. This study aims to explore information and data on harmony and social behavior of residents or communities living in the housing complex of PT Djarum Singocandi Kudus which is very varied in terms of education level, socioeconomic , occupation, and embraced religion. The technique of collecting data uses observation, interviews and documentation. Based on the results of the research conducted, it was shown that the residents of PT Djarum Singocandi Kudus housing had lived in harmony and were full of brotherhood. There are several factors that cause the intertwining of harmony, including: interest factors and religious factors. They both came as nomads who had the awareness to live in harmony, and the religion they embraced contained teachings to live in harmony and peace.

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