This study aims to know the effect of CAR and FDR variables on Murabahah financing partially and simultaneously, besides, this study also examined the influence of NPF variables in moderating the relationship between independent variables and Murabahah financing. This research is a quantitative study with a sample of 11 (eleven) Syariah Commercial Banks registered with the Otoritas Jaa Keuangan in 2015-2019 that meet the researchers' criteria. The data used in this study is secondary data in the form of financial statements obtained from the website of each bank that is a sample of research. The results showed that CAR had no effect and significant on Murabahah financing, FDR had no effect and significant on Murabahah financing, and also simultaneously CAR and FDR did not affect muarabah financing. On the other side, the NPF as moderating variable show that a map to the CAR on Murabahah financing,  the NPF moderating the FDR on Murabahah financing, and also the NPF moderating the influence of CAR and FDR on Murabahah financing simultaneously.

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STEM approach in learning is applicable in the 21st century in which it promotes 4C skills: communication, collaboration, creativity, and critical thinking. The implementation of STEM increases the productivity of the learning process in responding to the challenges of the industrial revolution 4.0. Because it is relatively new in Indonesia, the application of the STEM approach in learning has certain difficulties for teachers. This study aims to determine the difficulties faced by Indonesian mathematics and science teachers in implementing STEM in recent five years. Based on seven main articles compared in this study, the difficulties faced by teachers in implementing STEM or STEAM are varied depending on its main focus (mathematics or science). The most common obstacle faced by mathematics teachers are finding real-life contexts of abstract topic in mathematics. While, the main difficulty experienced by science teachers are insufficient comprehension toward STEM and the limitation of time. Moreover, both mathematics and science teachers shared common difficulties as follows: low understanding about STEM, the lack of facilities and limited time provided in learning schedule. Therefore, to overcome teachers’ difficulties mentioned before, several solutions are offered depends on the needs such as increasing teachers’ comprehension toward STEM, completing school facilities and adjusting curriculum targets under the implementation of STEM.

This research was conducted to determine the effect of Operating Costs on Operating Income (BOPO), Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) on profitability as measured by Return On Assets (ROA) as research variables. The sample in this study is the quarterly financial statements of Bukopin Syariah for the period 2013-2020. The sample method used was purposive sampling method in order to obtain 32 samples. The method used in this study uses a descriptive method with a quantitative approach. The results of this study state that partially the variable Operating Costs to Operating Income (BOPO) has a significant negative effect on the profitability of Bukopin Syariah, the variables of Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) partially have no significant effect on the profitability of Bukopin Syariah. Simultaneously, the variables of Operational Cost to Operating Income (BOPO), Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR) have a significant effect on the profitability of Bukopin Syariah

The financing income at Bank Syariah Mandiri is increasing every year and the higher the interest of the customers to carry out mudharabah financing and musyarakah financing at Bank Syariah Mandiri which will certainly make a big contribution to the bank's income. The author wants to know more about the effect of mudharabah financing and musyarakah financing on the net profit of an independent Islamic bank. The method used is a quantitative approach, using Bank Syariah Mandiri monthly financial report data for the 2017-2019 period and the number of financial reports of 36 months. The technique for selecting samples uses saturated sampling where all populations are sampled. The analysis technique uses multiple regression analysis using the SPSS 21 application.The results obtained from this study simultaneously are that there is an influence between mudharabah financing, musyarakah financing on the net profit of independent Islamic banks and partially mudharabah financing has a negative effect of 0.248 and is significant on bank net income. Syariah Mandiri and Musyarakah financing have a positive and significant effect on the net profit of Mandiri Islamic Banks.