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This research was conducted to determine the effect of mudharabah and musharakah financing on net profit of Islamic commercial banks in Indonesia. This study uses the annual financial statements of Islamic commercial banks obtained from the Financial Services Authority and annual reports on the website of Islamic commercial banks for the period 2010-2019. The test results found that mudharabah financing had a significant effect on the net profit of Islamic banks, this also strengthened Islamic social responsibility of Islamic commercial banks. But unlike mudharabah financing, musharakah financing actually has a negative effect on the net profit of Islamic commercial banks, which means that the higher the Islamic bank distributes musharakah financing, the rate of profit will decrease which results in the weakening of Islamic social responsibility disclosure. It is recommended that Islamic banks exercise greater caution when selecting consumers for mudharabah financing, as this type of financing carries a higher risk but also a higher profit share if the financing is successful. This research has a limitation in that it focuses exclusively on Islamic commercial banks in Indonesia, although additional research might be conducted by sampling Sharia Business Unit and Sharia Rural Bank.

This study aims to identify, rationalize and resolve the issue of labor competitiveness as human capital in organizations/companies from the perspective of human capital management in Indonesia. This study uses qualitative methods, observation or document study to collect data and analyze the data descriptively which is used to examine the condition of the object under study. The secondary data used in this study is aimed at supporting the primary information that has been obtained. The results of the study indicate that the competitiveness of the workforce as human capital is a workforce that has the ability to work, work skills and employability to develop a more effective and efficient work system in order to increase work productivity. This can be built and created through quality education and skills training programs based on information and communication technology (ICT) by encouraging vocational education and training, apprenticeships, and competency certification for students in the field of national education.