Purpose: This study analyzes the impact of macroeconomic factors such as exchange rates, global oil prices, and inflation on Hajj pilgrimage costs. Methodology: This is a qualitative study. Time-series data from 1980 to 2022 were used in this study. The data were analyzed using the VECM method. Results: The results show that, in the long run, exchange rates, crude oil prices, and inflation have a significant impact on the cost of Hajj. Limitations: Difficulty in obtaining annual data. This is a common limitation of research that relies on secondary data sources. Annual data may not be readily available or may be difficult to access. Contribution: One of the main contributions of this study is that it identifies factors that can affect the long-term cost of the Hajj pilgrimage. This information can be used by stakeholders to maintain the stability of the Hajj pilgrimage costs by considering these factors.

Purpose: The aim of this research is to determine whether Third Party Funds (TPF) influence Murabahah Financing, Non-Performing Financing (NPF) influences Murabahah Financing, Financing to Deposit Ratio (FDR) influences Murabahah financing, and Third Party Funds (TPF), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR) influence Murabahah financing at BPRS in Indonesia for the 2023 period. Research methodology: This type of research is quantitative and uses associative analysis. The data used is Secondary data were obtained from the financial statements of the Sharia People's Financing Bank (BPRS) and the annual financial ratio from the Financial Services Authority (OJK) website. The sampling technique used purposive sampling by determining the criteria so that 145 BPRS were obtained as samples. Data analysis techniques consisted of descriptive statistics, analysis requirements tests (Normality Test and Linearity Test), Classical Assumption Test (Multicollinearity Test, Heteroscedasticity Test, Autocorrelation Test), Multiple Linear Regression, T Test, F Test, and Correlation Coefficient and Determination Test. Statistical analysis was performed using SPSS 25. Results: Based on the research results, it can be concluded (1) Partially. TPF has a positive and significant effect on murabahah financing in the BPRS Indonesia for the period 2023. (2) Partially, NPF has a negative and significant effect on murabahah in the Indonesian BPRS in 2023. (3) Partial FDR has a positive and significant effect on murabahah in the Indonesian BPRS for the period 2023. (4) TPF, NPF, and FDR have a significant influence on murabahah financing in BPRS Indonesia for the 2023 period. Limitations: The limitation of this study is that there are many factors that affect Murabahah financing, but the researcher only takes three factors: Third Party Funds (TPF), Non-Performing Financing (NPF), and Financing To Deposit Ratio (FDR). No independent variables or moderation effects were included. Contribution: This research is useful for Islamic People's Financing Banks (BPRS), which aim to analyze customer eligibility, avoid congestion, and reduce financing risks. Thus, in the future, the BPRS can maximize other financing products.

Purpose: Students must have a good understanding of finance, especially when facing the challenges of financial management in today's era. The purpose of this study was to determine how proficient Sharia Business Management (MBS) students at STAI Al-Kifayah Riau are with basic financial concepts, attitudes, and behaviors related to finance. Methodology: This study was conducted using a quantitative approach through a survey. The stratified random sampling method consisted of 85 MBS students who were randomly selected. Data were collected through a financial literacy questionnaire distributed online via Google Form. Results: The results of the analysis showed that MBS students at STAI Al-Kifayah Riau had high financial literacy in basic financial concepts and products, with 17% in the high category, 28% in the medium category, and 55% in the low category. Financial attitudes, with 21% in the high category, 34% in the medium category, and 45% in the low category, and financial behavior, with 20% in the high category, 31% in the medium category, and 49% in the low category. Limitation: If the sample is only taken from one institution (STAI Al-Kifayah Riau), the results may not be generalizable to students in other institutions or different areas. Contribution: The results show that the majority of MBS students of STAI Al-Kifayah Riau do not understand financial concepts, attitudes, and behaviors. This suggests that education should be conducted to improve students' financial knowledge, especially by offering courses or training that focus more on financial management.