Funds are one of the important issues for every company in meeting their needs. To meet the need for these funds, each company will involve banks in financing. In this case, Islamic banks are very good at providing financing to customers, both mudharabah and musyarakah financing. The purpose of the study was to determine the net profit of Islamic Bank Indonesia based on the principles of mudharabah and musyarakah financing. The research method used is multiple regression, a qualitative research approach, the results of the study show that mudharabah financing positive and significant effect on revenue sharing, the effect of musharaka financing on revenue sharing which shows that musharaka financing has a positive and significant effect on revenue sharing, mudharabah financing has a positive and significant effect on net income, musharaka financing has a positive and significant effect on net income, revenue sharing does not have a positive and significant effect on net income  Keywords : Mudharabah, musyarakah, net profit, revenue sharing

    This study aims to examine how the strategies used by BMT in empowering and improving the economy of mosque-based congregations. Mosques are not only used for worship activities but can also empower the congregation's economy. A mosque with all the potential that exists can establish Baitul Maal wal Tamwil for its independence. This study uses selected literature. The research method used is a literature study by collecting articles related to the research theme downloaded from Google Scholar for publication in the last 5 years. Then a content analysis was carried out in accordance with the Researcher's Discussion Topic, namely the BMT Strategy in Empowering a Mosque-Based Economy so that 41 articles were obtained. The main finding of this research from a literature review shows that the establishment of a mosque-based BMT can significantly improve the economy of the congregation. The BMT strategies used are: ZISWAF for Economic Empowerment, Human Resources, Transparency and Accountability, Finance Inclusion, Marketing Management, Implementation of Sharia Economic Contracts, BMT Performance, Establishment of BMT, Integration of ZISWAF with BMT, and Role Models.  Keywords: BMT, Empowerment, Mosque.

The literature study of this article aims to analyze the challenges that must be considered by financial regulators, especially for Islamic financial institutions (Islamic banking). Literature study through content analysis by discussing the book Intermediate Islamic Finance by Nabil Maghrebi, Abbas Mirakhor, and Zamir Iqbal Wiley publisher in 2016 and 30 articles from emerald and direct science publisher which is the world's best journal publisher with a scopus index. The results of the content search found seven challenges in financial regulation, namely the calculation of profit and loss sharing (PLS) still referring to the interest system, the practice of implementing contracts overshadowed by conventional contracts, capital and minimum liquidity regulations still referring to general regulations, regulatory indicators in assessing efficiency still referring to in the general (conventional) model, weakness of regulations requiring Islamic financial institutions in and supervision, weakness of regulatory control in implementing good corporate governance, weaknes of sharia law courts dealing with violations of sharia law. Financial regulations have not fully sided with Islamic banking (sharia). Financial regulations must continue to be adjusted and rearranged so that Islamic banking can develop and develop in a healthy manner with conventional banking and be resilient in the face of crises.  Key words : challenges, finance regulation, islamic banking

Premi in a definition can be interpreted as a fee to be paid by the customer, which is a combination of the overall cost of insurance benefits that used, and sometimes also include the amount of money invested by customers. The output of the data mining is a customers is accepted according to the prudential value of the estimated premi be gained from the number of customer revenue.Final project is, created a program of web-based application system to estimate the premi to make it easier for admin (prudential employee)  to determine the amount of premi to be paid by the customer. In this program, admin (prudential employee) just need to know the amount of customer’s income that the program will then process the results of the estimated premi.The test results is concluded that the program estimates the premi can be used easily by the admin (prudential employee) and simplify admin decisions premi estimate to the customer.