Analisis Wacana BV1460 Religious Education Economic Empowerment Education Gadai Ice Breaker Talking Implementation learning Islamic Economic Islamic bank KPR murabahah Ketika Mas Gagah Pergi LB2361 Curriculum LC251 Moral education. Character building Local Culture Majlis Talim Muslim Community PAI PAI Lecturer Palang Pintu Pengembangan Model Pembelajaran Perspective Pesan Akhlak Religiosity Religious education Syari'ah ekopesantren environment gadai syariah hilah indikator hilah parameter hilah