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Kajian ini bertujuan untuk mengkaji sejauh mana Peraturan Perundang-undangan yang dibuat oleh pemerintah dan yang berwenang memberikan perlindungan hukum terhadap pemegang sertifikat deposito. Mengingat perkembangan saat ini mengenai banyaknya penyalahgunaan yang berdampak pada kejahatan di bidang keuangan. Ketentuan mengenai perlindungan hukum bagi pemegang sertifikat deposito sebagai surat berharga diatur dalam Peraturan Bank Indonesia, Otoritas Jasa Keuangan, Undang-Undang Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang.. Namun, belum mengatur ganti rugi apabila terjadi kerugian yang diakibatkannya tindak pidana yang dilakukan oleh pelaku kejahatan baik yang terlibat dalam kejahatan maupun penerbit mengalami kebangkrutan. Penelitian ini menggunakan metode penelitian hukum normative yang memfokuskan pada kajian mengenai sudut pandang dan/atau prespektif hukum yang menjelaskan terkait seperangkat asas hukum, norma hukum, serta peraturan-peraturan hukum baik secara formil maupun materiil. Pendekatan yang digunakan dalam penelitian yaitu pendekatan konseptual (Conseptual Approach) dimana dengan mengkaji melalui perundang-undangan  dan teori-teori. Juga sangat penting adalah adanya nilai jaminan dari sertifikat deposito dengan nilai sepuluh milyar rupiah, dimana menurut ketentuan lembaga penjamin simpanan hanya dijamin dua milyar rupiah. Sehingga hal ini perlu ditegaskan dalam peraturan pemerintah atau otoritas yang dimaksud nilai harus dijamin oleh pihak asuransi umum selain dari uang jaminan agen asuransi.

Peripheral Arterial disease is a condition in which the peripheral arteries carrying blood to the extremities of the body, such as the feet and hands, become narrowed or blocked due to the large amount of atherosclerotic plaque. The effects of this disease include pain, cramps, difficulty walking, and decreased quality of life. Peripheral artery disease also increases the risk of serious complications such as poorly healing wounds, gangrene, infection and even amputation. In addition, peripheral artery disease can be a sign of more extensive blood vessel disease, such as coronary heart disease or stroke. Therefore, early attention, appropriate treatment, and healthy lifestyle changes are very important to reduce the negative effects of peripheral arterial disease. This community service activity was carried out at the Kalam Kudus Foundation on June 9, 2023. All participants received education and physical care related to peripheral vascular disease. The results of the physical examination revealed that there were 8 (15.4%) respondents with suspected peripheral arterial disease (ABI <0.9) and 4 (7.7%) respondents with suspected vascular calcification (ABI > 1.3). Community Education and Physical Examination with Ankle-Brachial Index (ABI) is an important activity in the prevention and management of peripheral arterial disease. Through community outreach, awareness about peripheral arterial disease can be increased, early symptoms can be identified, and preventive measures can be stepped up. Meanwhile, physical examination with ABI helps detect this disease early, allows timely intervention, and reduces the risk of serious complications. Through the combination of these two approaches, we can increase public understanding, reduce the risk of developing peripheral arterial disease, and improve the quality of life of individuals affected by this disease.

This study aims to determine how much influence work motivation and job satisfaction have on the performance of PT Fasen Creative Quality employees. The research method used is a quantitative method approach with data collection techniques using non-probability sampling with a total sample of 39 employees. Data collection using a questionnaire with a Likert scale unit. Data analysis techniques include validity test, reliability test, classic assumption test, multiple linear regression test, t test, and f test. The results of this study indicate that partially work motivation has a positive effect on employee performance, job satisfaction has a positive effect on employee performance. Simultaneously, motivation and job satisfaction have a positive and significant effect on employee performance

This study aims to analyze the effect of cash turnover and inventory turnover on the level of profitability of food and beverage manufacturing companies listed on the IDX in 2019-2022. This research method uses a quantitative approach using company financial data during the specified research period. With the purposive sampling technique, the number of samples in this study was obtained as many as 31 companies. Data analysis techniques include descriptive statistical tests, classical assumption tests, multiple regression tests, hypothesis tests consisting of partial tests (t test) and simultaneous tests (F test), test the coefficient of determination. The data were processed using the SPSS version 22 program. The results showed that partially, cash turnover (CTR) had a positive and significant effect on company profitability. Then, inventory turnover (ITO) has a positive and significant effect on company profitability. Furthermore, simultaneously, both CTR and ITO have had a positive and significant effect on the profitability of food and beverage manufacturing companies listed on the IDX in 2019-2022. The practical implication of this research is that company management can use the findings of this research to optimize the management of their cash flow and inventory turnover, so as to increase the company's profitability.  

This research aims to analyze the detection and internal control applied in the revenue accounting information system of a café business, as well as the importance of compliance auditing in maintaining the reliability and accuracy of financial data. A good accounting information system is an essential component in managing the revenue of a café business. Effective detection and internal control are highly needed to prevent and detect fraud or errors that may occur in the revenue collection process. This research utilizes a qualitative method with a case study approach on a café business. Data is collected through interviews with café management, direct observation, and analysis of documents related to the revenue accounting information system. The research findings indicate that the café business has implemented several steps of detection and internal control, including task segregation, document verification, the use of automated systems, and periodic reconciliations.

This article was created to find out how the decision to grant a Home Ownership Credit or KPR at BTN bank is. Lending has a very large risk that may be borne by the bank against the uncertainty of loan repayments from the debtor. The emergence of non-performing loans can then become a difficulty for the bank. Bank BTN plays an important role in providing mortgage loans to customers, in granting mortgage loans the bank must conduct research and proper calculations for prospective borrowers and many factors must be considered when making decisions in granting mortgages to customers, so that there are no mistakes in making decisions that are wrong. can result in losses to the bank, namely the possibility of bad credit. Seeing the frequent occurrence of bad credit risks borne by Bank BTN due to the uncertainty of debtor loan repayments, and where nonperforming loans can certainly affect the health of a bank. This study uses a qualitative method with a descriptive approach. This research study focuses on how the BTN bank, especially the KC Karawang, determines the decision to provide mortgage financing to its customers. The results of the study show that there are many series of processes until the decision to grant or the realization of the mortgage occurs. One of them is by checking BI, which is in the form of checking customer credit history, such as motorbike loans, car loans, credit on credit or paylater and others that will be seen in BI. If the BI is good and smooth, there are no arrears, then the mortgage application is accepted, but conversely, if the BI is not good, then the mortgage application will not be accepted.

The purpose of this research is to examine Mojokerto Regency's priority sector development plan. In this study, a qualitative, descriptive approach was used. Secondary data, collected by the researchers themselves from sources like websites, journals, bulletins (such as those found at the Statistics Agency), company or organizational documents, newspapers and magazines, and so on, are the basis for the analyses conducted in this study. Mojokerto Regency's agricultural industry is expanding at a quicker rate than most others right now. The tourist, agriculture, and industrial industries are the current focus of this leading sector development plan. Mojokerto Regency's rural setting, with all its potential assets like its natural resource assets, lends itself well to the growth of these two possible sectors or sub-sectors, which will ultimately boost the regional economy of Mojokerto Regency.      

This study uses a qualitative approach to examine business ethics in the practice of buying and selling wholesale batik negligee at Pasar Johar Semarang. Primary and secondary data obtained through observation, interviews, and documentation. Pasar Johar Semarang is a traditional market which is famous for its lively buying and selling activities. In the practice of buying and selling wholesale, there are patterns that are commonly found, including competition between sellers, stock management, systems for returning or exchanging goods, and special agreements between sellers and buyers. This practice reflects the application of Islamic business ethical values ​​such as fairness, social responsibility, and honesty. The results of the study show that in Pasar Johar Semarang, the principle of mutual benefit is upheld in buying and selling activities. The importance of the principles of fairness and balance in buying and selling is also recognized. Even though there are risks and abuses in the system of returns or khiyar, the practice is still in accordance with the principles of Islamic law. This study provides an in-depth understanding of the practice of buying and selling wholesale batik negligee and the influence of business ethics in transactions conducted at Pasar Johar Semarang.

Direct Cash Assistance (BLT) is a government program that aims to reduce poverty and improve people's welfare. This program provides direct financial assistance to poor families in an effort to meet their basic needs. The purpose of this study was to examine the effect of BLT on public health and social behavior. The research method used in this study is a quantitative approach using survey data from respondents who have received BLT. The data collected included information about the health conditions of the respondents before and after receiving BLT, as well as changes in their social behavior. Statistical analysis was used to identify the relationship between BLT and health and social behavior. The results of this study indicate that the provision of BLT has a significant positive effect on public health. Respondents who received BLT reported increased access to health services, including access to medicines, medical care, and immunization. In addition, there have been improvements in health behaviors, such as better diets, better personal hygiene, and higher levels of physical activity. Apart from health, BLT also had a positive impact on people's social behavior. Respondents reported increases in participation in community activities, awareness of social issues, and involvement in social activities. This shows that acceptance of BLT not only affects individual health conditions, but also strengthens social bonds and community participation.

In an era that is increasingly controlled by technology and information, it requires people to always know when sharing information. The mass media is one of the most important means of information in human life. The mass media currently playing a role in presenting information to the wider community is television. TvOne Medan Bureau is one of the TV One bureaus in North Sumatra. Precisely in the city of Medan. Through daily observations, TV One focuses on wrapping its various programs in the form of news. The research method used is qualitative research using a descriptive approach so that it emphasizes more on the understanding aspect of a problem. The descriptive approach focuses on the actual problem as it was at the time the research took place. In the pre-production stage, there are several stages, namely field data research, camera, lighting and audio. The production stage of the process of sending signals to various locations simultaneously. This process can be via satellite, radio, television and SNG cars. Lastly, post-production, at this stage the editing process will begin after everything is okay, it will be broadcast every Friday at 10.00 am.

In the current era of globalization, the progress of technology and information development occurs very quickly. Developments in the transportation sector have experienced significant changes with the presence of online transportation services in the form of an application. Online transportation service applications are very easy to use which has an impact on other transportation services. Therefore, the purpose of this discussion is carried out in order to find out how business competition lies therein, including between online transportation service business actors and ordinary (conventional) transportation businesses. Some online transportation service providers in Indonesia include Uber, Grab, Go-jek, In-driver, and others. The services provided by online transportation services are not only in the form of transportation services, but offer food delivery services, online shopping services, and services to deliver packages. Business competition between online transportation services and (conventional) transportation services causes unfair business competition. In this research, the author uses a qualitative research type because the author discusses the business competition between the two by conducting an analysis. The research approach used by the author in this journal is to use a statutory approach.

The adjustment of new students is an individual process in carrying out the process of adjusting to the new activities and environment that they will occupy. In qualitative research, the aim is to explain and analyze the adjustment of new students to activities at the Al Husna Jember Student Islamic Boarding School. Researchers use the phenomenological approach method. Researchers used data collection techniques in the form of observation, documentation, and interview methods. The first result of the research is that there are two forms of adjustment of new students to activities at the Al Husna Student Islamic Boarding School, namely a good form of adjustment marked by obeying all the rules and carrying out obligations as students and the last form of adjustment is a wrong adjustment marked by the large number of new students who breaking the rules. The second is the process of adjusting the new students to activities at the Al Husna Jember Student Islamic Boarding School, there are two, namely the adjustment process that begins with a conflict caused by the compulsion of new students to enter the boarding school because their parents told them to. And what follows is an adjustment process without being based on conflict experienced by new students who have had the desire to enter and study religion at Islamic boarding schools from the start.

Research on the analysis of "Values ​​and Functions of Tradision Manten Mubeng Gapura at mosque Wali At-Taqwa Loram Kulon Kudus" was conducted in Loram Kulon Village, Jati District, Kudus Regency, Central Java. This study uses a qualitative descrptif approach. Data collection techniques through literature, observation, interviews, recording, writing and taking pictures. The results of this study obtained the values ​​and functions of the manten mubeng gapura padureksan tradition, the values ​​associated with this tradition are religious values ​​and cultural values ​​while its function is as a medium of da'wah and to introduce if a Muslim must have a sense of responsibility and not leave obligations.

This study aims to determine the role of the school principal in creating discipline in the school environment at SMP Negeri 24 Palembang and to find out the supporting and inhibiting factors for the role of the principal in creating discipline in the school environment at SMP Negeri 24 Palembang. In this study, researchers used a type of qualitative research using a qualitative descriptive approach. Research data. Data collection techniques used are observation, interviews and documentation. While the techniques used in data analysis are data reduction, data presentation, data verification and drawing conclusions. Test the validity of this research data using data source triangulation and technique triangulation. The results of this study indicate that the role of the principal in creating discipline in the school environment at SMP Negeri 24 Palembang is going quite well. The results of the researchers looked at the role of the principal in creating discipline in the school environment at SMP Negeri 24 Palembang, showing indicators of the role of the principal, namely instilling, habituating, supervising, reward and punishment, guidance and motivation. The supporting factors are good inter-team cooperation and a disciplined environment. The inhibiting factor is the lack of awareness about the importance of discipline.

This research is entitled "Inculcation of Character Education in PAI Learning in SMP N 12 Palembang". This study aims to determine the inculcation of character education in PAI learning in schools and the supporting factors and inhibiting factors in inculcating character education in PAI learning in schools. The type of research used in this research is qualitative research. Data collected through observation, interviews, and documentation. This type of research approach is descriptive qualitative. The techniques used in data analysis are data reduction, data presentation and drawing conclusions. Test the validity of this research data using method triangulation and source trianulation. In this study it was found that pie learning at this school was carried out face-to-face where previously it was done online. So that the findings in this study are PAI teachers find that students' technological abilities are getting better. But sometimes in the learning process sometimes become lazy and not disciplined with time. So that in PAI learning at school, PAI teachers instill four positive values ​​in learning that will have an impact on student character. The four values ​​are honesty, discipline, hard work and wisdom.

To find out the influence of the principal's leadership, work motivation, and other factors, research has been conducted. In this study analyzed various factors that affect teacher performance MTs Al Marwah Pameungpek Bandung. Researcher explored the influence of the principal's leadership on teacher performance motivation at the Mts Al Marwah School. The sample size consisted of 38 teachers as teaching staff, during the research month of May - June 2023. Our research approach is descriptive qualitative. Our data analysis yielded some interesting results with a fairly good contribution, found a significant and affirmative correlation between the principal's leadership on teacher performance motivation. In addition, this study reports a significant and optimistic correlation between principal leadership and teacher performance motivation. In addition, there is a noteworthy and beneficial relationship between work motivation and teacher performance motivation and effective contribution. This research concludes that the effect of teaching and learning processes on achieving the school's vision through the Principal's Leadership on Teacher Performance Motivation at the Mts Al Marwah School

The study serves three purposes. First, it explains the strategy and the impact the education organization has on the quality of the study at SMAN 103 Jakarta. Second, explain the comparative learning pattern before and when the pandemic. Third, explaining the direction of progress in SMAN 103 Jakarta. Generally, each institution of education has an organization that functions as a service management to the community, especially learners. In the improvement of the learning at sman 103 Djakarta, all teachers, leaders and school committees are united to promote learning that pursues excellence but prioritizes character and morality and that seeks high grades but puts honesty first. The study employs a qualitative approach with case study methods, the research data obtained using interviews, observation and documentation. Next, the data analysis technique used in the study is the presentation of data and the deduction deduction. The data that is presented is the result of direct observation of the school where the writer intended. Therefore, it is clear that there is an improvement in the learning at SMAN 103 Jakarta, which will then serve as a benchmark for all parties to play a role in the education organization to improve the quality of learning.

Education in the 21st century shows how the changes that occur in the education system have become digital. It also shows how the presence of globalization has a major influence on education. In this case, leadership is needed in educational organizations that are able to keep up with the times so that they can meet the needs of education in the 21st century. One of them can use sociological leadership as a reference in shaping good leadership characteristics to lead educational organizations in the 21st century. Therefore, the preparation of this journal aims to examine the characteristics of a sociological leader in building education in the 21st century. In this study we used a qualitative approach with the documentation method, namely collecting secondary data obtained from books, articles and journals. The results showed the characteristics of a sociology-minded leader in educational organizations with the characteristics of his social abilities. Helping in building 21st century education through its role shown by paying attention to social welfare, developing skills and integrating technology in learning. The form of implementation can be seen in the leadership of the principal at SMPN 1 Purwakarta, West Java.

Christian religious education has become an integral part of the education system in many countries around the world. However, with the development of digital technology, new challenges arise in providing relevant and effective Christian religious education to the digital generation. This study aims to investigate the contribution of Christian religious education in facing the digital era. This study uses a qualitative approach with in-depth interviews with Christian religious educators and analysis of related documents. The results of the study show that Christian religious education can make a significant contribution in the digital era by utilizing technology as a learning and communication tool. Christian religious education approaches that are centered on Christian beliefs, values, and teachings remain relevant in the digital era. Technology can be used to access a wider range of Christian religious texts and materials, connect students to the Christian community virtually, and provide platforms for more interactive discussion and reflection. However, this study also identified several challenges in implementing Christian religious education in the digital era, such as the risk of misuse of technology, the tendency to use it passively, and the difficulty in integrating the spiritual dimension in a virtual environment. In order to optimize the contribution of Christian religious education in the digital era, this research recommends adequate training for Christian religious educators in the use of technology, developing relevant and meaningful digital content, and careful monitoring of the use of technology in Christian religious education.

The Ministry of Education and Culture in 2022 presents challenges in the education sector. The problem was solved by the government by making the Freedom to Learn Program policy. The purpose of this study: to analyze the time allocation and the theme of the choice of implementation of the P5 independent curriculum and to analyze the principles, benefits, design implementation and management strategy of the P5 independent curriculum at SD Marsudirini Gedangan, Semarang. The method is qualitative with a case study approach, research data uses primary data, data collection techniques by observation, observation, recording observations, and structured interviews, data validity techniques by triangulation of data sources. The findings are that the independent learning curriculum is quite fun and does not make it difficult for teachers and students at SD Marsudirini Gedangan. Uncertainty was felt when the teachers did not know the process for implementing the main harvest in December 2022 and there was no BOS allocation fund to support project implementation. The implication of this research is to provide an overview of the implementation of a fun independent learning curriculum, so that in the 2023/2024 academic year schools are increasingly ready to implement the full learning independent curriculum