Maharah kalam dan maharah istima’ adalah dua dari empat keterambilan bahasa Arab yang sangat mempengaruhi dalam perkembangan berbahasa. Kedua keterampilan ini bisa dinggap berhasil jika siswa terus melakukan latihan dan praktek, tetapi dua kegiatan tersebut bisa dilakukan jika didukung dengan fasilitas lingkungan yang memadai. Karena itu, media YouTube berusaha menjawab keterbatasan lingkungan yang dialami siswa. Tujuan penelitian ini untuk mendeskripsikan pemanfaatan media YouTube untuk peningkatan maharah kalam dan maharah istima’ mahasiswa. Metode yang digunakan adalah metode penelitian kualitatif dengan pendekatan deskriptif. Penelitian ini mengungkap bahwa media YouTube pada dasarnya memberikan peningkatan terhadap maharah kalam dan maharah istima’ mahasiswa. Meskipun karena keterbatasan media tersebut, tetap memiliki catatan, di antaranya tidak semua bisa menggunakan media ini jika tidak memiliki akses internet. Serta tidak tersedianya translate otomatis. Listening and speaking skills are two of the four Arabic language skills that are highly influential in developing the language. Both of these skills can be successful if students continue to practice and practice, but these two activities can be done if supported by adequate environmental facilities. Therefore, YouTube media tries to answer the limitations of the environment experienced by students. This study aims to describe the use of YouTube media to increase students’ listening and speaking skills. The method used is the qualitative research method with a descriptive approach. This study revealed that media YouTube delivered improvements to students’ listening and speaking skills. Although due to the limitations of the media, still have a record, including not all can use this media if you do not have internet access. As well as the unavailability of automatic translation.

Islamic boarding school (pesantren) as traditional Islamic education institution is an invaluable part of the Indonesian national education system, which established by the ulama, the education system aims to teach Islamic lessons. Many classic books in this Islamic boarding are learnt through reading and studying based on amtsilati method. Therefore, this article is intended to investigate learning nahwu shorf, efforts and motivation of students in improving student learning of Nahwu Sharaf in Sunan Ampel Islamic Boarding School using the amtsilati method. In this case, qualitative research is used, the object in this study is learning Nahwu Sharaf with the Amtsilati method. The results of this study indicate that learning nahwu shorf by using the amtsilati method showed the time efficiency represents the problem in Nahwu-Sharaf learning. In terms of understanding, this method is mainly faster because the book uses the Indonesian language

Dalam lembaga keuangan perbankan syariah, pembiayaan merupakan aset yang sangat besar sehingga pembiayaan tersebut harus dijaga kualitasnya dengan mendasarkan pada prinsip kehati-hatian. Prinsip kehati-hatian adalah pedoman pengelolaan Bank yang wajib dianut guna mewujudkan perbankan yang sehat, kuat dan efisien sesuai dengan ketentuan peraturan perundang-undangan. Penerapan prinsip kehati-hatian oleh Bank syariah salah satunya diwujudkan dalam melakukan analisa pembiayaan yaitu menganalisa keyakinan atas kemauan dan kemampuan calon nasabah untuk melunasi seluruh kewajibannya pada waktunya, sebelum Bank Syariah menyalurkan dana kepada nasabah Penerima Fasilitas”. Keyakinan tersebut diperoleh dari penilaian dengan seksama terhadap watak, kemampuan, modal, agunan, dan prospek usaha dari calon nasabah penerima fasilitas (character, capacity, capital, collateral, condition). Bank syariah dalam memberikan pembiayaan berharap bahwa pembiayaan tersebut berjalan dengan lancar, nasabah mematuhi apa yang telah disepakati dalam perjanjian dan membayar lunas bilamana jatuh tempo. Akan tetapi bisa terjadi dalam jangka waktu pembiayaan timbul pembiayaan bermasalah. Upaya yang dilakukan oleh Bank Syariah untuk menangani pembiayaan bermasalah dengan melakukan penyelamatan pembiayaan bermasalah dengan upaya restrukturisasi apabila nasabah masih mempunyai itikad baik dalam arti masih mau diajak kerjasama dalam upaya penyelamatan pembiayaan bermasalah, akan tetapi jika nasabah sudah tidak beritikad baik dalam arti tidak dapat diajak kerjasama dalam upaya penyelamatan pembiayaan bermasalah maka bank syariah akan melakukan upaya penyelesaian pembiayaan bermasalah.In Islamic banking financial institutions, financing is a very big asset that the funding should be maintained based on the quality of the precautionary principle. The precautionary principle is Bank management guidelines that must be adhered to, in order to create a sound, robust and efficient in accordance with the provisions of the legislation. Application of the precautionary principle by Islamic banks one of which is manifested in the analysis is to analyze the financing of confidence in the willingness and ability of prospective clients to settle all its obligations in time, before the Islamic Bank disburses funds to customers Recipient Facility". The confidence gained from assessment against characteristic carefully, capability, capital, collateral, and business prospects of the receiving facility prospective customers (character, capacity, capital, collateral, condition). Islamic banks provide financing hope that funding is running smoothly, customers comply with what was agreed in the agreement and paid when due. But it can happen in the financing period financing problems arise. The efforts made by the Islamic Bank to deal with the problem offinancing the rescue financing problems with restructuring efforts if the customer still has a good faith within the meaning want to be invited to cooperate in the effort to rescue financing problems , but if the customer has not acted in good faith in the sense of cooperative in an effort to rescue the troubled financing Islamic bank will make the financing problems solving.

???? ????? ????? ?? ??? ??? ?? ???? ???????. ??? ????? ?? ??????? ??????? ?? ???? ???????. ?????? ????? ????? ??? ?????: ????? ?????? ?????? ???????.  ?????? ????? ??????? ???? ??? ?? ??? ??????? ????? ??? ??? ????. ????? ??????? ?? ??? ??????? ?? ??????? ???????? ?????????. ???? ????? ?? ??? ????? ?? ?????? ?????? ??????? ???????? ?? ??? ??????? ???? ??????? ???????? ( Library Research )  ???? ????? ????? ?? ???????? ?? ??????? ??????? ?????????? ?????? ????? ???? ???? ?? ?????? ????? ???????. ????? ????? ?? ????? ??????? ?????? ??????? ??? ??????? ?? ????? ????? ??????? ?????? ??????? ?? ??????? ???????? ???????? ??? ?????? ?? ????? ?? ????? ??????? ????????? ?????? ???? ????? ????? ???????? ?????? ??????? ??????? ?? ???? ????? ????? ???????? ????? ???????? ?? ????? ????? ???????? ???? ?????????? ???????? ????????? ?? ??????? ?????? ???????. Abstract This research is about the acquisition of Arabic as a second language of high school students at Darul Ulum Islamic Boarding School Jombang East Java. The type of research in this research is the Qualitative Research, because the result obtained is in the form of description data in the form of a word, phrase, sentence, etc. Qualitative research is a research method that does not need to design research hypotheses, nor do researchers use numbers in interpretation to produce. The results of this research are: Factors that support their success in the Arabic language acquisition is divided into two: internal factors and external factors. Internal factors are factors related to mental and psychiatric students at Darul Ulum Islamic Boarding School Jombang. While external factors relating to full support from madrasah leaders and teachers with the formation of the Language Club (LC), implementation of language programs), the diversity of methods in teaching Arabic, organizing activities and programs in language.

أهداف هذا البحث لإنتاج الوسيلة التعليمية بنظام الإنجليزية بدون صعوبة باستخدام تطبيق أندرويد لترقية مهارة الكلام فى اللغة العربية، ولمعرفة تصحيح المنتج و لمعرفة نموذح التعلم المناسب لتطبيق المنتج. ويستخدم هذا البحث بنموذج التطوير من ديك وكاري. المنتج المطور هو تطبيق أندرويد يسمى بــــ"سهلة"، فيه ثلاثة موضوعات وهي: الأسرة، و التعارف، و بيتي. و لكل موضوع أربعة مكونات على الأقل، منها النص و الفىديو و القصة القصيرة والمفردات. نتيجة تصحيح المنتج  تدل على أن النتيجة من خبير المادة هي 80.5% فى فئة جيدة و النتيجة من خبير الوسيلة هي 86.1% فى فئة جيدة أيضا، و النتيجة من الاختبار الميداني من المعلم هي 85% و من الطلاب 83.3% فى فئة جيدة أيضا. أما نموذج التعلم المناسب لتطبيق المنتج المطور هو التعلم بأسلوب المستقل.