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ABSTRAKPerilaku seseorang dalam memutuskan untuk memilih produk dalam pembiayaan multijasa di setiap lembaga keuangan pasti dipengaruhi oleh rasionalitas ekonomi yakni bagi hasil, fasilitas, pelayanan, kemudahan, kenyamanan dan keamanan transaksi. Karena sebagai indentitas dan juga sebagai langkah untuk menarik nasabah yang pada pencapaiannya yaiu kepercayaan nasabah. Rumusan masalah penelitian ini adalah (1) Apakah proses pemberian pembiayaan dapat berpengaruh terhadap kepercayaan nasabah pembiayaan multijasa pada PT. Bank Pembiayaan Rakyat Syariah Fajar Sejahtera Bali? (2) Apakah preferensi dapat berpengaruh terhadap kepercayaan nasabah pembiayaan multijasa? (3) Apakah proses pemberian pembiayaan dan preferensi dapat berpengaruhterhadap kepercayaan nasabah pembiayaan multijasa? Tujuan penelitian ini adalah untuk mengetahui (1) pengaruh proses pemberian pembiayaan terhadap kepercayaan nasabah pembiayaan multijasa (2) pengaruh preferensi terhadap kepercayaan nasabah pembiayaan multijasa (3) pengaruh proses pemberian pembiayaan dan preferensi terhadap kepercayaan nasabah pembiayaan multijasa. Metode penelitian ini adalah pendekatan kuantitatif deskriptifdengan sumber data yang digunakan berupa data primer dan sekunder. Populasi penelitian yaitu, nasabah pembiayaan multijasa PT. Bank Pembiayaan Rakyat Syariah (BPRS) Fajar Sejahtera Bali dengan teknik pengumpulan data melalui angket/kuesioner dan dokumentasi. Teknik analisis data yang digunakan adalah ujiregresi linier berganda, uji parsial, uji simultan dan uji determinan dengan menggunakan SPSS (Statistical Package For Social Seince) versi 24. Berdasarkan hasil perhitungan uji regresi linier berganda dengan persamaan Y = 5,719 + 0.134X1 + 0,634X2 + e hasil koefisien korelasi secara terpisah diperoleh X1 5C sebesar 0,134 dengan nilai signifikan 0,037 < 0,05 sedangkan variabel X2 preferensi sebesar 0,634 dengan nilai signifikan 0,000 < 0,05 dengan secara simultan 30,761 dengan signifikan 0,00 besarnya nilai koefisien determinasi tersebut menunjukan adanya pengaruh antara 5C dan preferensi terhadap kepercayaan nasabah pembiayaan multijasa di PT. Bank Pembiayaan Rakyat Syariah (BPRS) Fajar Sejahtera Bali baik secara parsial atau terpisah maupun secara simultan.   ABSTRACTA person's behavior in deciding to choose a product for multi-service financing at any financial institution is definitely influenced by economic rationality, namely profit sharing, facilities, services, convenience, convenience and security of transactions. Because as an identity and also as a step to attract customers whose achievements are customer trust. The formulation of the research problems are (1) whether the process of providing financing can affect the trust of multi-service financing customers in PT. Fajar Sejahtera Bali Sharia People's Financing Bank? (2) Can preferences affect customer trust in multi-service financing? (3) Can the process of providing financing and preferences affect customer trust in multi-service financing? The purpose of this study was to determine (1) theeffect of the process of providing financing on customer trust in multi-service financing (2) the effect of preference on customer trust in multi-service financing (3) the effect of the process of providing financing and preferences on customer trust in multi-service financing. This research method is a descriptive quantitative approach with data sources used in the form of primary and secondary data. The study population, namely, multi-service financing customers of PT. Sharia People's Financing Bank (BPRS) Fajar Sejahtera Bali with data collection techniques through questionnaires / questionnaires and documentation. The data analysis technique used is multiple linear regression test, partial test, simultaneous test and determinant test using SPSS (Statistical Package for SocialSeince) version 24. Based on the results of the calculation of multiple linear regression with the equation Y = 5.719 + 0.134X1 + 0.634X2 + e, the results of the correlation coefficient are separately obtained by X1 5C of 0.134 with a significant value of 0.037 <0.05 while the variable X2 preference is 0.634 with a significant value of 0.000 <0 , 05 with 30.761 simultaneously with a significant 0.00 of the value of the coefficient of determination shows the influence between 5C and preferences on customer trust in multi-service financing in PT. Sharia People's Financing Bank (BPRS) Fajar Sejahtera Bali either partially or separately or simultaneously.

The growth of financial technology is filled by digital wallet competition in the industry, one of the most known digital payment in Indonesia is OVO. Even so, the obstacles that OVO has can make users switch to another mobile payment provider. This research aims to analyze the impact on continuance usage intention by customers’ trust, and examine factors that influence trust in terms of gender moderation, the theories developed in this study are Innovation Diffusion Theory and Trust Building Framework. The method used to process data in this study are SEM and PLS. The findings of this research state that continuance usage intention is positively influenced by trust. Trust is significantly influenced by reputation, followed by customization, security, and mobility.

This study designed a system that is able to assist companies in calculating cash receipts and disbursements. The Accounting Information System for Cash Receipts and Expenditures will be equipped with the use of user log-ins to maintain the level of data security so that not just anyone can misuse the data. The system designed will also be equipped with security of access rights and data storage systems, providing a database using the Visual Basic 6.0 programming language that holds records of cash receipts and disbursements to be a good report, summarizing the process of moving data from ledgers to becoming cash reports flow, and can document each period's report so that it can be grouped properly. The research method used is the Borg and Gall R&D research approach which consists of 10 stages, out of 10 R&D stages the author only conducts the research approach to the 6th stage alone. and monitoring cash flow very well. In addition, it can also produce reports that are precise, accurate and efficient.

financial information in schools. Payment information which is the basis for schools to determine future policies. The object of research in this thesis is the Demak Development High School which is one of the agencies engaged in the field of science and education. The research objective is to design an effective and efficient school payment administration recording information system and design a school payment administration recording information system that has a system security that can maintain the accuracy of the data. The research method used is the Borg and Gall R&D Development Research model, the Prototyping System Development Method to produce a product in the form of a Prototype with 6 stages: Research and Data Collection, Planning, Initial Product Development, Product Testing, Product Revision, Final Trial. The conclusion from the results of this study is that this system can facilitate the recording of administrative payment transactions so that there are no mistakes in recording, users can easily present payment reports more quickly so that they can minimize recording time and recording errors, and make it easier for users to print payment reports with affectic and efficient results so as to support and accelerate decision making

The purpose of this study was to investigate the effect of voluntary disclosure, value relevance, and foreign ownership on information asymmetry, the effect of voluntary disclosure, value relevance, foreign ownership, and information asymmetry on the cost of equity and the mediating role of information asymmetry to voluntary disclosure, value relevance, and foreign ownership of the cost of equity. Population used in this study is the whole manufacturing company listed on Indonesia Stock Exchange (IDX) period 2015 - 2017. Total samples are 240 companies for 3 years selected by purposive sampling method and using secondary data, i.e. annual report and financial report collected from IDX database, yahoo finance and each company’s official website. The results of this study indicate that voluntary disclosure and value relevance of financial statements can reduce information asymmetry, while foreign ownership can increase information asymmetry, but the influence of value relevance and foreign ownership is weak. The findings also indicate voluntary disclosure, value relevance, and information asymmetry can increase the cost of equity, while foreign ownership can reduce the cost of equity, but the effect of voluntary disclosure, value relevance, and foreign ownership is weak. This finding implies that companies must pay attention to the problem of information asymmetry because investor trust is important in reducing the company's cost of equity. Low information asymmetry will also increase security for investors in investing.  Keywords: voluntary disclosure, value relevance, foreign ownership, asymmetry information, and cost of equity.

In the daily use of technology, humans cannot be separated from the internet as a need to exchange information. People at this time spend more time in front of computer screens, laptops, even smartphones to find out information, send data to some of their friends. One of the information that is often sought or sent is a file. Apart from that, image files are files that are much searched for and sent, and many also contain important information in them. Image file security is of course very important so that unauthorized parties do not hack or manipulate information from the image. There is a way to secure information so that it does not leak to unauthorized parties, namely by using cryptography and steganography. By combining these two methods, you can maintain the confidentiality and security of a file, especially image files. In this study the algorithm and method used is the AES cryptographic algorithm (Advanced Encryption Standard) 256 and the LSB (Least Significant Bit) steganography method. Data integrity needs to be tested to ensure that the encryption and decryption processes are running properly. Data integrity testing uses the SHA-1 method. Likewise, the image quality after insertion will experience a decrease in quality. To evaluate this, it is necessary to test using the PSNR method. From the results of data integrity testing by comparing the hash value of the decrypted image file with the original image file, there is no difference. So this shows that the encryption and decryption process was successful. While in testing using the PSNR method, the average PSNR value is 44.14086 dB and with an average error value of 2.830403 dB, which means there is a small decrease in quality. From the implementation and testing results, it can be concluded that the AES 256 cryptographic algorithm and the steganography method LSB can be implemented in maintaining the confidentiality and security of secret messages.    

Medical aesthetic tourismberkembang pesat beberapa tahun terakhir. Kajian terhadap perlindungan hukumnya perlu diperdalam agar tren ini dapat memberikan rasa aman bagi pelakunya. Tujuan artikel ini untuk mengkaji dan menganalisis Perlindungan Hukum medical aesthetic tourism. Jenis penelitian ini termasuk penelitian doktrinal yang mengacu pada sumber data primer, sekunder dan tersier, dengan teknis analisis data interaktif. Hasil kajian menunjukkan perlindungan hukum medical aesthetic tourism terkait pada standarisasi pelayanan medik, standar keamanan produk, asuransi, litigasi risiko medik selama tindakan dan perawatan.  Perlindungan hukum ini dikaji dengan perspektif Pancasila dan Undang-Undang Dasar Negara Republik Indonesia Tahun 1945, serta hukum internasional yang terkait.Ulasan literatur naratif ini berfokus pada masalah perlindungan hukum wisatawan yang mendapatkan perawatan medical aesthetic tourism di luar negeriKata Kunci : Perlindungan Hukum, Medical Aesthetic, TourismABSTRACTMedical Aesthetic Tourism shows significant growth in recent years. A study on its law protection should be conducted more in-depth to enable this trend to give the feeling of secure to its actors. This article aimed to study and to analyze Law Protection of Medical Aesthetic Tourism. This study was a doctrinal research referring to primary, secondary and tertiary data sources, with interactive technique of analyzing data.  The result showed the Law Protection of Medical Aesthetic Tourism related to medical service standardization, product security standard, insurance, medical risk litigation during action and treatment. This law protection is studied from the perspective of Pancasila and Republic of Indonesia’s 1945 Constitution, and related international law. This narrative literature review focused on the problem of law protection for the tourists getting Medical Aesthetic Tourism treatment abroad.

Security aspects is needed in various fields of life today. Safety is becoming a concern for everyone. One of the important concerns is the security of the room. The indoor security system uses Raspberry Pi and RFID based Firebase Cloud Messaging and Motion Detection Camera, is a room security system that includes expensive equipment, so this device is designed for protection or robbery and also provides assistance in advance. . The security system in this room consists of several parts, namely Raspberry Pi as a brain system, selenoid door lock as an electric lock on the door, RFID system and CCTV camera as a detector of the amount of human movement, PIR sensor as a detector of human temperature, alarm as an indicator of intruders which transfers rooms, and database applications as user storage databases for security recorders  

Comput At this time in Buaran Subdistrict, Pekalongan District, there are many obstacles, one of which is the recording of cash receipts and disbursements which are very piling up because moreover in the implementation, it is still for manual recording, one of which is by means of counting, still using handwriting. Cash book, if you want to print financial statements and still use a lot of Microsoft Excel as data storage and printing a report, it takes too long for information system data to be a lot of completion data is not timely and makes it less efficient. With this information system, it is expected that all recording processes will be easier by using the Base Accrual Method, reports can also be printed accurately dated or per period. This information system is also more secure because it is equipped with a security system where not everyone can access it, and only people who have a login can access the data. The system built will later contribute to the District faster in work.

The increase in motorized vehicles in urban areas is followed by an increase in cases of motorcycle theft due to the lack of public awareness about the motorcycle security system. The intensity of motorcycle theft with its disclosure is still far in comparison. Crime will also increase, such as cases of theft of motor vehicles, especially motorbikes. Cases of motorcycle theft still often occur, this happens because there is still a lack of security systems contained in motorized vehicles that only use ignition. the existence of an alternative safety system is needed because the average key of a conventional motorcycle is easily penetrated by thieves. A double motorcycle safety device (Doble Smart Lock) composed of an RFID and Personal Identification Number (PIN) and an ATMega microcontroller. This system serves to provide two-stage security. The first stage is a microcontroller in the form of a PIN and the second stage is an RFID system. If the first stage breaks then it will enter the second stage, namely the RFID system The results in the form of a main tool for motorcycle management consists of: Power supply, RFID Card, RFID Reader, Personal Identification Number (PIN), IC / Microcontroller ATMega and already running. The system testing process shows the number 3 in the expert validation test and the number 3 in the expert validation trial. Based on the above calculation, it can be concluded that the validation results from the expert show that the value of 3 is between 2 - 3, which is classified in the valid category. The system process shows the number 3 in the expert validation and the number 2.9 in the validation trial of the user. Based on the above calculation, it can be concluded that the validation results from the user point to a value of 2.9 between 2 - 3 which is classified in the valid category.

The purpose of this research is to implement the internet of things (IoT) system into a food court place to reduce its service time and cost. The IoT will handle the security and the payment of this self-service food court. Thus, there will be no need for waiter and cashier employees. We created a mobile and server side application and also a food container boxes equipped with the IoT devices to handle this food court service operations. Each food container has a quick response (QR) code for its identification. These food containers only can be opened by smartphone through the food court app by scanning the container’s QR code, while the IoT system will get the user identification and measure how many foods that the buyer took. Then, the payment will be handled back through the mobile application.

Modern society is the result of joint relations between men and women. Nowadays, women’s subordination obstacle to women ‘s development and advancement. Women’s subordination as a kind of patriarchy system also deeper poverty. No progres of society without women activities. Empowering of women become a way to increase human security. The purpose is how to empower village women of Brujul, sub-district Jaten, Karanganyar regency. Increasing empowerment of village women is very important. It can develop and progress society in that village. There are three indicators of women empowerment: security, decision making and mobility. Method of this community service is meeting and discussion with the women of Brujul village. The result of this discussion that security of the women from Brujul still influenced by patriarchy system and lower education. Furthermore, the older married women had less power to increase their security. The younger married women with higher education have more power in decision making process of houshold and health. Higher education background can influence of women mobility. The women mobility also dependent upon how their family view women’s right. The result of this community service show that increasing knowledge about human right, human security and empowerment is very important for the women of Brujul village.Key words: women, empowerment, human security

Small pelagic fisheries play an important role in food security, coastal livelihoods, and local fishery economies in Indonesia. Sardinella fimbriata is one of the economically important small pelagic fish species widely utilized in coastal communities. However, increasing fishing pressure may alter population size structure and reduce reproductive sustainability. This study aimed to analyze the size structure, gonad maturity stage, and exploitation status of Sardinella fimbriata in Kwandang Waters, Tomini Bay, Indonesia. The research was conducted from August to November 2025 using a descriptive quantitative approach. A total of 1,560 fish samples collected from commercial landings were measured for total length and examined macroscopically for gonad maturity. Data were analyzed using length-frequency distribution, maturity proportion, and logistic regression to estimate length at first maturity (L₅₀). The results showed that fish length ranged from 8.0 to 19.9 cm and was dominated by the 12.0–15.9 cm size group, accounting for 75.45% of total samples. Immature gonads dominated the catch, representing 91.35% of individuals, while mature fish accounted for only 8.65%. Logistic regression estimated L₅₀ at 16.72 cm, whereas the average catch length was 13.56 cm with an Lc/L₅₀ ratio of 0.81. These findings indicate that most fish were captured before reaching reproductive maturity, suggesting growth overfishing conditions. The study highlights the importance of minimum catch size regulation, selective fishing gear, and routine biological monitoring to support sustainable management of small pelagic fisheries in Tomini Bay.

Abstract: The phenomenon in empirical domain of saving and credit cooperation is believed to have destroyed the ideal concept of cooperation. However, the norms can not protect the concept. Saving and credits are often used by the managerial, mostly businessmen to offer saving and draw credits from the society. The unbalance of of the contributed capital and the authority of drawing credit risks in the security of the creditors. The lack of the rules in cooperation Rules about if unmet of formal requirements causes the managerial to take the responsibility personally gives a lot of advantages to the managerial. It is because the managerial conduct cooperation as a firm with a very limited responsibility. Keywords: cooperation, changes of cooperation rules

Abstracts : Outsourcing is a transfer or certain job from a company to a third party on  which held by purpose to divide the risk and lessen the company's burden. Such job transfer is held on the base of operational cooperative agreement between the outsourcing principal and the outsource executive companies. In the practice, the principal company determine the job qualification and condition, and on such base, the outsourcing company recruit prospective employees. In the Acts No. 13 Year of 2003, the regulation on outsourcing is explicitly mentioned that the served sectors are not related with the core bisnis such security guards, cleaning service and so on. Keywords : Outsourcing system, Contract Employee Rights Protection

Saat ini piranti lunak semakin luas dan besar lingkupnya, sehingga tidak bisa lagi dibuat asal-asalan. Piranti lunak saat ini seharusnya dirancang dengan memperhatikan hal-hal seperti scalability,security, dan eksekusi yang robust walaupun dalam kondisi yang sulit. Selain itu arsitekturnya harusdidefinisikan dengan jelas, agar bug mudah ditemukan dan diperbaiki, bahkan oleh orang lain selainprogrammer aslinya. Keuntungan lain dari perencanaan arsitektur yang matang adalah dimungkinkannyapenggunaan kembali modul atau komponen untuk aplikasi piranti lunak lain membutuhkan fungsionalitasyang sama.Dengan menggunakan model diharapkan pengembangan piranti lunak dapat memenuhi semua kebutuhanpengguna dengan lengkap dan tepat, termasuk faktor-faktor seperti scalability, robustnees, security, dansebagainya. Untuk melakukan pemodelan sistem / perangkat lunak secara visual digunakan UML (UnifiedModelling Language) yang digambarkan secara elektronik lewat sarana perangkat lunak Rational Rose.

Pemakaian jaringan komputer untuk operasional perusahaan sudah merupakan suatu kehutuhun, sama seperti penggunaan ATM pada pelayanan perbankan untuk para pelanggannya. Akan tetapi biasanya jaringan yang dikembangkan oleh perusahaan tidak didukung dengan fasilitas keamanan yong memadai, seperti yang telah disurvey oleh Ernest dan Young tentang keamanan informasi, bahwa 66'% responden mengatakan security dan privacy merupakan penghambat besar penggunaan electronic commerce. Analisis Forensik Komputer merupakan usaha untuk mendapatkan bukti-bukti legal terhadap terjadinya suatu insiden, agar bukti-bukti tersebut dapat dijadikan pendukung untuk tindakan laniut terhadap tindak kejahatan komputer.