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The use of non-cash payments is increasingly becoming a trend among Indonesians, both in urban and rural areas. Non-cash payment instruments are considered more effective in supporting transaction activities and contribute significantly as the main driver of national economic growth. The state, as the organizer of public welfare, is obliged to carry out various activities to achieve the welfare of the people, as mandated in the Preamble of the 1945 Constitution of the Republic of Indonesia. In the beginning, money as a medium of exchange was in concrete form such as coins and banknotes. However, rapid technological developments encourage the birth of innovation in payment systems through electronic methods, to support the optimization of the use of non-cash payment instruments (less cash), so that a society with digital-based financial transactions is formed (less cash society). This research uses a normative juridical approach, relying on secondary data obtained from primary legal materials, secondary legal materials, and tertiary legal materials. The main focus of this research is to analyze the influence of the National Non-Cash Movement (GNNT) on social changes in the economic field. Based on the provisions of Article 1 point 3 of Bank Indonesia Regulation Number 16/8/PBI/2014 concerning Amendments to Bank Indonesia Regulation Number 11/12/PBI/2009 concerning Electronic Money, it is stated that electronic money is a payment instrument that fulfills a number of certain elements related to its use.

This study aims to examine the practice of money politics that occurred in the 2024 Legislative Election in Alor Regency and its impact on the quality of democracy in the region. Money politics is a highly relevant issue because it has the potential to undermine the basic principles of democracy, reduce electoral integrity, and create inequities in political representation. This practice generally involves giving money or goods to voters with the aim of influencing their political choices, which of course reduces the quality of public political participation. A qualitative approach was used in this study, with data collection techniques including in-depth interviews with various parties involved in the election process, direct field observations, and a review of documents relevant to the elections in Alor Regency. This technique allows for more in-depth data collection and provides a better understanding of how money politics occurs at the local level. The results show that the practice of money politics still frequently occurs in the lead-up to election day, both in the form of giving cash and goods to voters. This phenomenon indicates a decline in the quality of public political participation, where political choices are more influenced by material rewards than by considering the competence of legislative candidates. This indicates a disorientation in the democratic process, where voters focus more on immediate gains than on the capacity and integrity of candidates. The impact of this money politics practice is significant for local democracy. The decline in public trust in the political process exacerbates the dependency between voters and political elites, which in turn leads to inequality in political access and representation. Therefore, this study recommends strengthening political education for the public and stricter law enforcement against perpetrators of money politics to improve the quality of democracy in Alor Regency.

Informed consent is a fundamental legal document in medical practice, ensuring that patients provide informed approval before undergoing medical procedures. The completeness of this document is crucial for legal compliance and patient safety, as incomplete or improperly filled out consent forms can lead to legal disputes and compromise patient well-being. This study aims to evaluate the completeness of informed consent forms for general surgery patients, employing the 5M method (Man, Money, Method, Material, and Machine) to identify the factors contributing to form deficiencies. A quantitative descriptive approach was employed, with a sample of 265 forms selected using Slovin’s formula from a total of 711 forms collected between June and August 2023 at a hospital in Indonesia. The findings indicate that incomplete forms are primarily caused by human factors, such as a lack of medical personnel’s understanding of the informed consent process, procedural issues, including unclear standard operating procedures, and system limitations, such as partial integration of electronic medical records. The analysis of these factors reveals the significant impact of human error and procedural gaps on the completeness of informed consent documentation. To enhance the quality of documentation and ensure better compliance with medical regulations, this study recommends a series of improvements, including medical staff training, revision of standard operating procedures, and optimization of electronic medical record systems. Implementing these improvements is expected to strengthen compliance with medical regulations, enhance the documentation process, and contribute to better patient safety and legal protections in the healthcare setting.

Land acquisition is an activity to provide land by providing adequate and fair compensation to the entitled party, either in the form of money, replacement land, resettlement, share ownership, or other forms agreed by both parties. The issue of compensation is one of the disputes that must be resolved in court and takes quite a long time. This study aims to determine how the judge's considerations are in decision Number 46 / Pdt.G / 2021 / Pn Rno and to find out the legal consequences for both parties in decision Number 46 / Pdt.G / 2021 / Pn Rno. This research is a normative legal research. Normative legal research, or legal research, is generally based on document studies by relying on legal sources such as laws and regulations, court decisions, legal theories, and expert opinions. The object of research in this writing focuses on a case study of a court decision with case number 46 / Pdt.G / 2021 / Pn Rno. The results of the study indicate that the unlawful act case filed at the Rote Ndao District Court has been implemented. The case has been decided fairly by the judge without harming either party/ so that the defendant, as the losing party, is obliged to pay compensation to the plaintiff and in return the plaintiff surrenders his land to be used as a regional government asset in the context of public services for the Rote Ndao community. Based on this, both parties should coordinate and involve related parties to find a bright spot. The government is also expected to be able to socialize the compensation case to the community. This is useful to prevent legal problems from arising in the future.

The basic principle of knowing the customer is an important aspect in an insurance company. Insurance companies are required to have guidelines for the principle of knowing the customer in order to analyse prospective customers and monitor transactions made by customers. In the decision study that the author made as the object of research, the result is that the application of the customer principle has not been able to overcome the crime of money laundering. So the importance of internal supervision of the insurance company to more firmly apply the principle of knowing the customer so that then the crime of money laundering can be overcome. Money laundering is an act of disguising illegal actions and then turning them into assets that seem legal. There are many types of initial actions to commit money laundering offences. In this research are: 1) Can the application of the principle of knowing the customer overcome the crime of money laundering in Decision Number 538/Pid.Sus/2023/Pn.Jkt.Sel? (2) What are the obstacles faced in the application of the principle of knowing the customer in Decision Number 538/Pid.Sus/2023/Pn.Jkt.Sel? This research uses normative juridical research. The research approach used is the statutory approach method.

TikTok Shop is a social e-commerce feature that allows users and creators to promote and sell products while shopping. By selling through TikTok Shop, users and creators can earn money from the platform, especially with the growing number of TikTok users. The presence of the shopping feature on this app makes TikTok increasingly popular because, in addition to entertainment, users do not need to switch to other shopping apps to make transactions. This study aims to examine and analyze the influence of content marketing and brand image mediated by electronic word of mouth (eWOM) on product purchase interest in TikTok Shop. This research uses an associative method with a quantitative approach. The population in this study consists of TikTok Shop consumers in the Dumai area, with an unknown number, categorized as an infinite population. The Lemeshow formula was used for sampling, resulting in 97 respondents. Data analysis was performed using WarpPLS version 8.0 software. Based on the test results, it can be concluded that content marketing has a positive and significant effect on product purchase interest, as well as a positive effect on eWOM. Furthermore, eWOM was found to mediate the effect of content marketing on product purchase interest. Brand image also has a positive and significant effect on product purchase interest and eWOM, and eWOM can mediate the effect of brand image on product purchase interest.

Admission services in the emergency department (IGD) are an important part of hospital operations that require effective management to support health services. Optimal medical record management requires human resource planning according to actual workload. This research was conducted to analyze the need for admission registration at the Duren Sawit Regional Special Hospital (RSKD) with a quantitative approach using descriptive methods. The research results show that RSKD Duren Sawit has Standard Operational Procedures (SPO) which refer to Minister of Health Regulation No. 33 of 2015 in planning health human resource needs (HRK). Health workload analysis indicates that the ideal requirement is seven admissions officers, while currently only five officers are available, so there is a shortage of two officers. Factors that influence the workload of admission registration include: Man, namely the limited number of officers in the medical records unit, Machine, namely the BPJS server down and power outages, Material, namely the mixed admissions work room with the cashier so the medical record files are still in one room, Method, namely the HR application process at RSKD Duren Sawit found no obstacles, Money, namely there is no budget planning for additional officers in the medical records unit.

Product Quality is the result of a product that has been made with human labor so that it becomes a product that can be traded among consumers. Price is an amount of money that will be exchanged for an item needed by consumers, thus making many consumers to make purchasing decisions on products. The purpose of the marketing department is to promote goods with the beauty of the product and make consumers interested so that they make the decision to buy the item. The purpose of this study was to determine and analyze whether product quality and price affect purchasing decisions at the hana fashion shop in West Jakarta. This type of research is using a quantitative approach in a measurable way. The population in this study were all consumers who bought hana fashion store products. The sampling technique in this study used purposive sampling, namely by determining the sample based on the objectives and considerations of the researcher and consumers who buy hana fashion products. The information collection strategy used by researchers is based on a questionnaire that has been distributed to 80 people. The results of this statement indicate that product quality has a significant influence on purchasing decisions. Price has a significant influence on purchasing decisions.

This study examines the impact of the Central Bank of Nigeria's monetary policies on the Nigerian economy, specifically how these policies can be applied to foster economic growth. The research employs multiple regression models as the primary statistical method to analyze the relationship between key variables: money supply, average price levels, interest rates, labor force, and their effects on the Gross Domestic Product (GDP). Using data from 1981 to 2008, the study applies the Ordinary Least Squares (OLS) method to assess these effects comprehensively. The findings indicate that monetary policy, as reflected by money supply, positively influences GDP growth and improves the balance of payments, while also having a negative impact on inflation rates. The study suggests that the Nigerian money market should introduce a broader range of financial instruments to cater to the growing economy’s needs. Additionally, the recommendations emphasize the importance of designing monetary policies that create a favorable investment climate by adjusting interest rates, currency rates, and liquidity management mechanisms. By fostering a well-regulated and flexible monetary system, the Central Bank can further enhance the economic stability and growth of Nigeria, supporting sustainable development in the long term.

This study set out to investigate the connection between Nigerian deposit money banks' financial success and their dividend policies. This is accomplished by reviewing existing theoretical and empirical the signaling hypothesis served as the foundation for the study and the creation of literature. The Financial Statements and Annual Reports of 18 (18) Deposit Money Banks in Nigeria for the years 2015–2019 provided the data for this study, which used a longitudinal survey research approach. The arithmetic mean, standard deviation, minimum and maximum values, and the Auto-Regressive Distributed Lag (ARDL) regression technique were used to analyze the data produced for this study using both descriptive and inferential statistics. E-Views version 10 was used to calculate these. The study's conclusions showed that dividend policies had a mixed impact on the financial performance of Nigerian deposit money institutions. However, the dividend pay-out ratio significantly and negatively correlates with financial performance (return on equity), dividend yield has no discernible impact on the financial performance (ROE) of Nigerian deposit money institutions. The greatest African economy is that of Nigeria, which was rated as Determining the percentage of dividend payments that would improve financial performance in terms of return on equity requires management of deposit money banks to have a strong and sound dividend policy in place. They should also put in more effort to raise dividend yield and improve its influence on the financial performance (return on equity) of deposit money banks in Nigeria.

This research focuses on exchange rate fluctuations in Indonesia during the period of 2005 to 2023, influenced by various economic factors, primarily monetary policy and international trade dynamics. Exchange rate instability is a major concern because it can impact the national economy, including export competitiveness and macroeconomic stability. Consequently, the purpose of this research is to dissect the relationship between interest rates, export values, and wide money as it pertains to currency swings.  This study takes a quantitative approach by analyzing the relationship between the dependent and independent variables via multiple linear regression.  World Bank, International Monetary Fund, and Statistics Indonesia yearly time series data from 2005 to 2023 is used.  The findings show that broad money, interest rates, and export values significantly impact the swings in the Indonesian currency.  According to the findings of the multiple linear regression analysis, Interest rates and broad money have a positive and statistically significant effect on changes in exchange rates, but export values have a negative and statistically significant effect. The implications of this research emphasize the importance of appropriate interest rate policies and balanced broad money management to maintain exchange rate stability. Future researchers are advised to include global variables and more complex analysis methods.

This study examines the impact of political and public official corruption on Nigerian democracy and government legitimacy between 1999 and 2023. The research uses a qualitative descriptive approach, supported by documentary analysis, with the elite theory framework as the basis for gathering and evaluating relevant data. The study argues that the pervasive corruption within Nigeria’s democratic system is largely driven by the ruling elites, who control both political power and wealth. The elites are able to appropriate state powers and utilize them to amass resources and build networks of patronage, which are crucial for maintaining their dominance and subjugating the un-elite majority. Through the lens of power relations, the study highlights how these corrupt practices have led to the entrenchment of the elites’ control over political and economic systems. The study concludes that political corruption has significantly undermined the government's ability to provide essential public goods and services, which has, in turn, contributed to a decline in public trust in Nigeria's political institutions and democratic processes during this period. As the political landscape has become increasingly dominated by corruption, citizens have grown disillusioned with the system. The study recommends that Nigeria's political leadership reassess its current, money-driven and self-serving political approach, and adopt a more service-oriented model. Strengthening the rule of law, promoting public involvement in governance, and ensuring governmental accountability and legitimacy could help prevent Nigeria's slide toward political authoritarianism and reverse the democratic decline.

This study aims to describe and analyze: The Contribution of Migrant Workers in Increasing Money Remittances and Achieving the SDGs.  The research is a qualitative descriptive analysis. The data analysis technique uses the technique developed by McNabb (2002), namely Grouping the data according to key constructs, Identifying bases for interpretation, Developing generalizations from the data, Testing Alternative interpretations and Forming and/or refining generalizable theory from case study. The results of the study show that migrant workers play an important role in the world economy, especially in developed countries as migration destination countries and contribute to the growth of the economy in their home countries, one of which is through remittances sent to their home countries. Indonesia is one of the countries that still sends migrant workers, where remittances from migrant workers are seen as one of the main sources of foreign exchange after petroleum. Migrant workers contribute to reducing the unemployment rate in Indonesia by: Increasing household income. Helping families left behind not work for a while. Increase family access to capital and credit for entrepreneurship. Encouraging a decrease in child employment rates Helping economic development in the region of origin. Encourage political and social change.  The use of remittances for productive activities is expected to increase investment in recipient countries. Remittances encourage improvements made by households in daily consumption, expenditure on education, health, and other expenses, so that it will affect economic growth. Remittances increase household incomes and are therefore a strong anti-poverty force in developing countries.  Not only that, migrant workers who return to their home countries (return migrants) also contribute to the economic and social conditions of their home countries. Remittances can contribute directly and indirectly to several SDGs. Remittances' contribution to the SDGs: SDG 1: Reduce poverty, SDG 8: Decent work and economic growth SDG 10.c: Reduce the cost of migrant remittance transactions.

Online rotating savings groups (arisan) are a form of activity involving numerous members with the purpose of periodic fund collection. In practice, these activities often give rise to various legal issues, one of which is the breach of obligations (wanprestasi) by members in fulfilling their payment commitments. Such breaches result in legal consequences that not only harm the involved parties but also have the potential to erode public trust in online rotating savings activities. One case that serves as the focus of this research is Decision Number 41/Pdt.G/2021/PN Pwd, which addresses the issue of breach of obligations within the E-Master online rotating savings group. This study aims to analyze the legal consequences arising from breaches of obligations by members in the payment of arisan contributions under civil law. Employing a normative juridical approach and case study method, this research underscores the importance of legal certainty in resolving disputes related to online rotating savings. Furthermore, it highlights the need for more specific legal regulations governing online rotating savings activities to safeguard the rights of all involved parties.

This paper explains the comparison of manual port service system to the Online Harbor Master system. The method used in this study is field research. The author conducted direct observations and interviews with the company and library research where the author obtained material or paper materials from books in the library or other reading sources related to the topic taken. The Online Harbor Master System is an open and neutral electronic portal to facilitate the exchange of data and information on port services quickly, safely, neutrally and easily which combines with related government agencies, port business entities and logistics industry players to improve better port competitiveness globally. The purpose of this study is to determine the comparison of manual port service to the Online Harbor Master System. The comparison between the manual system and the Online Harbor Master System is that manual work takes a lot of time and money. All activities must be done directly or face to face to the Harbor Master. Factors that influence are the amount of time and costs incurred, for example, applications are still manual, the queue for applications still comes to the Harbor Master or face to face, still uses a lot of paper, and all applications are not in one system. In the service process using the Online Harbor Master System, the effect felt is more efficient and makes it easier for agents to enter data on ships that want to enter the port.

The research aims to demonstrate the extent to which international accounting standards can be applied in the public sector. IPSAS And its impact on the quality of financial reporting in Iraq and providing a theoretical framework on the concept of international accounting standards in the public sector IPSAS The quality of financial reporting in Iraq and identifying the economic and social benefits of implementing it IPSAS In Iraqi government institutions and evaluating the positive impact of the application IPSAS on the local economy and society and studying the most important challenges that may hinder the implementation IPSAS and to provide recommendations to overcome them, the deductive approach was relied upon in building the proposed framework for the research by moving from the general to the specific and relying on the inductive approach by moving from the specific to the general by generalizing the conclusions and recommendations to the research community. The research community is represented by all government departments and institutions in Iraq. As for the research sample, the Financial Supervision Bureau was chosen because of the effective role of this body in imposing accounting and control systems on government departments and institutions, preserving public money, supporting public accountability and strengthening the economy. The most significant of the researcher's findings, however, was that the Iraqi Accounting Standards Board had failed to implement international accounting standards. the public sector and issue local standards that are consistent and compatible with the above standards to bridge the large gap between international and Iraqi standards because the current local rules are insufficient to address accounting practices.

Pawn is one of the property rights obtained by a person who receives the goods—who provides credit—on a movable and tangible item that is handed over to him by a person who is in debt or by another person on his behalf. Pawning is a common phenomenon in many countries, especially in Indonesia. The regulations related to pawn are determined in the Civil Code, especially in Article 1150 of the Civil Code, and are further regulated in various additional articles in the Civil Code. Pawn requires the existence of two or more parties who are related to each other and agree to make a binding agreement with a certain period of time to receive and provide guarantees to an entity in return for a certain amount of money or other goods, which must then be returned in accordance with the agreement that has been made along with the surplus value that may arise as a result of added value or interest. This is an obligation that must be fulfilled by the party who owes, but the party who provides the credit also has a handful of obligations that must be fulfilled as a form of accountability for the pawned goods that are received and maintained for a certain period of time, for example, maintaining the pawned goods from potential damage or carrying out maintenance so that the pawned goods function properly. However, the party who provides the credit has the right to receive compensation or a refund of the maintenance costs incurred to maintain the pawned goods; this is regulated in Article 1157, Paragraph 2, of the Civil Code, which is a guarantee for every entity that provides credit to obtain its rights or compensation from efforts to "rescue" the pawned goods.

This training aims to serve the community to provide an understanding to grocery store entrepreneurs about the importance of recording or bookkeeping of their activities and business progress, and to introduce the BukuWarung application to grocery store entrepreneurs in Marga Bakti Village. The problem found was their lack of knowledge and understanding of accounting, especially recording and bookkeeping to the preparation of financial reports. Their previous understanding that recording and bookkeeping were difficult, troublesome, and time-consuming became an obstacle to learning accounting. In the era of IT-based technology and the Internet of Things (IoT), the use of BukuWarung-based technology that can be accessed anywhere has become a basic human need. The BukuWarung-based bookkeeping application can be used as a tool for recording the flow of money in and out that can be used easily and applicatively for business actors, both small and medium.

This study aims to analyze the influence of e-money usage and financial literacy on the consumption behavior of accounting students in Batam City. E-money as a digital payment method has become increasingly popular among the younger generation, while financial literacy plays an important role in effective personal financial management. The study uses primary data collected from questionnaires distributed to 97 accounting students in several universities in Batam, as well as secondary data from interviews with 10 accounting students regarding e-money and financial literacy. The results show a positive correlation between high financial literacy and wise financial management, which in turn influences students' consumption behavior. Additionally, the use of e-money plays a significant role in facilitating transactions and changing consumption patterns. Simultaneously, all three variables have a significant impact with a coefficient of determination (R²) of 38.5%. The findings are expected to provide insights for relevant stakeholders in designing more effective financial education programs and promoting the use of e-money among students.

This study aims to analyze the influence of e-money usage and financial literacy on the consumption behavior of accounting students in Batam City. E-money as a digital payment method has become increasingly popular among the younger generation, while financial literacy plays an important role in effective personal financial management. The study uses primary data collected from questionnaires distributed to 97 accounting students in several universities in Batam, as well as secondary data from interviews with 10 accounting students regarding e-money and financial literacy. The results show a positive correlation between high financial literacy and wise financial management, which in turn influences students' consumption behavior. Additionally, the use of e-money plays a significant role in facilitating transactions and changing consumption patterns. Simultaneously, all three variables have a significant impact with a coefficient of determination (R²) of 38.5%. The findings are expected to provide insights for relevant stakeholders in designing more effective financial education programs and promoting the use of e-money among students.