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The purpose of this research is to examine Jean Baudrillard's views on simulacra and hyperreality in light of the idea of effective village governance. Primary data for this study came from interviews and observations of informants. This study employed a qualitative methodology. Data reduction, data presentation, and data gathering processes make up the study. Findings suggest that Good Village Governance might push people and communities into a hyperrealistic condition where the line between reality and perception blurs. Additionally, this arrangement makes information more susceptible to manipulation, which is something that village authorities, who are responsible for overseeing the money, should be cognizant of. It is imperative that village officials, in this age of inevitable modernity and globalization, fortify the components of professional ethics, moral culture, and spirituality in order to produce officials who are not only competent but also able to serve as positive examples to the rest of society.

According to current trends, there is a need for Islamic banks both in quantity and quality. Customers will think about and choose Islamic banks more often as quality improves. The quality of Islamic banks can be improved by looking at their performance and sustainability capabilities which are influenced by the quality of funding or investment. This sharia bank, which was founded by considering these two types of financing, uses sharia banking as its financing fund distribution product. These banks finance transactions with the aim of making money. based on the results of collaborative projects implemented based on musyarakah agreements and profit sharing principles. Musyarakah financing is a collaborative effort between capital owners to run a particular business in accordance with sharia principles, with both parties participating in the success of the business. parties according to predetermined ratios, and losses are allocated according to capital advice. In the financial industry, bank performance is one of the main indicators of health. One method for evaluating bank operations is to use metrics to measure profitability, which is usually called ROA or profit assets. ROA is a capability metric; a business makes money by using all its resources and skills. A bank will make more money and have a better asset utilization position if its return on assets (ROA) is higher. In other words, ROA can show how effectively managers allocate resources to generate profits.

These financial problems are the inability of students to manage their own personal money (monthly money from parents), lack of financial planning habits, lack of financial control by parents. So this journal was made to find out whether there is an influence of financial education in social (family) organization on the personal financial management of undergraduate students at the Faculty of Economics and Business, Makassar State University. This type of research is causal associative research, or a causal relationship with a quantitative approach. This can be seen from the probability (sig.) = 0.009 ttable = 2.676 > 1.998 and from the probability (sig.) = 0.000 ttable (4.158 > 1.998). So that it is known that the influence of family finances and financial literacy together has a positive and significant effect on personal financial management and also the influence of family finances has a positive and significant effect on the personal financial management of S1 students of Management, Department of Economics, Makassar State University.

The Sumba Christian Church (GKS) Jemaat Makamenggit, located in East Sumba Regency, has a substantial number of congregants, including 425 members at the central Makamenggit church. Financial management activities, such as revenue from Children's Offerings (PA), Diakonia, and building funds, are still carried using notebooks and calculators. This method is not only time-consuming and also prone to recording errors and reduces transparency in financial reporting. This poses challenges in meeting regulatory requirements and maintaining the trust of the congregation and related stakeholders. In the current digital era, transparency and accuracy in financial reporting are essential needs. To address this challenge, a web-based information system which aims to speed up the process of calculating incoming and outgoing money and financial reporting. With this new system, the recording process, which typically takes 1-2 days, can be simplified to just 10-15 minutes. The use of a web-based system also provides real-time access to financial data for various stakeholders, such as church administrators, congregation councils, and supervisory bodies, regardless of geographical constraints. The proposed system will enable the church treasurer to manage church finances more efficiently, reduce reporting time, and meet applicable regulatory demands.In an effort to speed up the financial calculation process at GKS Makamenggit, this financial information system was developed using the waterfall method. It is hoped that the results of this research will help financial treasurers to manage incoming and outgoing finances and with this system, financial reporting will be more transparent and efficient.

The application of main and additional criminal witnesses in the PTPK Law has become firm with the existence of legal norms for the return of state financial losses that do not eliminate the criminalization of the perpetrators of criminal acts but only factors that alleviate punishment. This is important so that there is no disparity in punishment. And likewise punish paying restitution if the act is committed jointly, so that a sense of justice occurs,The research method used is normative juridical. Which type of data used is primair legal material obtained from all publications on law, literature that is not an official document. Publications about the law include, among others, the internet, textbooks, law journals, articles, comments, court regulations and other sources; The types of criminal sanctions in the PTPK Law, namely in the form of principal punishment and additional punishment in the form of restitution, are closely related. Aspects of the amount of state financial losses, aspects of the perpetrator's guilt, aspects of the benefits obtained by the perpetrator, the impact caused by the perpetrator and the return of losses made by the perpetrator. Such is the case in imposing additional punishment in the form of paying restitution. In the PTPK Law, the amount of restitution is interpreted as “not merely assessing state financial losses, but assessing how much money is actually received by the perpetrator”, so that the imposition of restitution is in accordance with objective and proportional principles. Likewise, the imposition of restitution in the case of corruption crimes committed jointly and tried simultaneously, the additional restitution cannot be imposed jointly.

Quantitative methods were used in this study to determine how lifestyle impacts personal financial management. Lifestyle includes the decisions a person makes about how they live their daily lives, especially about how they spend their time and money. The process of effectively managing a person or family's income, expenses, and assets to achieve short-term and long-term financial goals is known as personal financial management. Planning, budgeting, investing, investing, and debt management are all part of this. This questionnaire was circulated and completed by 66 people. Validity, reliability, and classical assumption tests have been used to collect data. Simple linear regression analysis was also used in this research methodology. The results of this study show that lifestyle has a positive impact on personal financial management.

Based on the provisions in Law no. 7 of 1992 in conjunction with Law no. 10 of 1998 concerning Banking, commercial banks provide services such as transferring money according to the type of bank category. Along with the rapid development of technology and science in the era of globalization, the banking sector is also required to adapt to improve services to customers. Fintech, or financial technology, is designed to make financial services easier for people. However, potential threats remain and require preventive measures. This article reviews in depth legal protection for customers in digital financial transactions. This research uses a normative legal method with a literature study approach as a way of collecting data. The results of the descriptive analysis show regulations related to legal protection for customers in digital financial transactions with platforms such as DANA, as well as the role of LPS in maintaining the security of customer funds.

Payment system developments brought about by technological advancements to date have resulted in a variety of cashless transactions, including card-based and application-based (server) electronic money. Bank Indonesia launched QRIS (Quick Response Code Indonesian Standard), an application-based non-cash payment system that addresses community demands. Finding out how perceived ease of use and security affect QRIS usage decisions in the Lampung Province Community is the goal of this study. This study is quantitative and employs a survey approach, distributing a questionnaire to 140 Lampung Province residents who have used QRIS to make payments. The study's findings suggest that decisions about usage are significantly influenced by perceivedease of use and security in transactions.

This research explores the use of the Paylatter system (instalmental payments) from a hadith perspective in an effort to understand its relevance to Islamic religious principles. The Paylatter system is a payment method that allows buyers to pay for goods or services in several installments, which is developing rapidly in the modern era. The aim of this research is to find out explanations of the hadiths that explain the paylatter system and to find out how to thematically understand the hadiths that explain the paylatter system. The research method used in this study is literature study, which involves searching, analyzing and synthesizing scientific literature relevant to the topic. The results of this research reveal various views from scholars and researchers in existing literature. This study discusses various arguments that have emerged in the literature about whether the use of paylatter systems is in accordance with the principles of hadith and Islamic ethics. From the research results, it is known that there are elements of benefit in the form of processes and procedures that are fast and more useful, have varying time periods, and also have various attractive promotions. As for the detrimental elements, there are additional fees and interest, causing users to feel addicted and losing money, and can tarnish credit reputation and tarnish BI checking. The paylatter system uses a qardh contract which is permitted in Islam if it meets the pillars and conditions. Some scholars allow paylatter as long as there are no additional late fees, others prohibit it because there are many disadvantages.

This research aims to determine whether the implementation of restorative justice is effective in resolving cases of criminal acts of abuse in the North Gorontalo Resort Police and to find out what obstacle factors cause the implementation of restorative justice in the North Gorontalo Resort Police to be ineffective. The type of research used is legal research. empirical. The research results show that (1) the ineffectiveness of the implementation of restorative justice in resolving cases of criminal abuse at the North Gorontalo Police Department. (2) The limited number of investigators has an impact on performance in implementing restorative justice, apart from that, remote location is also an inhibiting factor because it takes time and money.

This study aims to The purpose of this study is to understand and describe locutionary, illocutionary, and perlocutionary speech acts in the Mappettuada tradition of the Bugis-Makassar ethnic group. The data in the study are in the form of linguistic units consisting of words, phrases, clauses, sentences of speech in the Bugis tribe's mappettuada tradition in online media (youtube). The results of the study revealed that the communication pattern of the Bugis tribe's mappettuada tradition is formed by the communication structure in a speech event between the speaker and the speech partner. The data in this study amounted to 29 data which were classified based on pragmatic theory, namely locutionary, illocutionary and perlocutionary speech acts. Locutionary speech acts were found in three forms of speech acts in the form of 2 declarative data, 2 interrogative data, and 2 imperative data. This proves that locutionary speech acts greatly influence the conversation process in the form of negotiations in determining the amount of money in the mappettu event. Illocutionary speech acts consist of 5 types, namely assertive speech acts with 4 data, directive 8 data, expressive 4 data, commissive 1 data, declarative 4 data. The assertive speech acts found consist of four forms of speech, namely mentioning, showing, informing and stating. The directive speech acts found consist of five forms of speech, namely inviting, requesting, charging, suggesting, and challenging. The expressive speech acts consist of three forms of speech, namely saying thank you, blaming and flattering. The commissive speech acts found consist of two forms of speech, namely swearing and promising. The declarative speech acts consist of four forms of speech, namely deciding, canceling, prohibiting, and granting. The most dominant speech act found in the interaction of the mappettu event is the directive speech act. In the perlocutionary speech act, data was found on two types of perlocutionary speech acts found, namely invitation speech acts and orders. In addition, there are also reactions or responses from the interlocutor when hearing the speech. The responses or reactions that arise include happiness, being more motivated, the effect of accepting the invitation, being more enthusiastic, immediately carrying out orders and so on.

The money supply can affect other economic variables, such as output and prices, create stability in the economy and help achieve the ultimate goal of monetary policy, namely the stability of inflation and exchange rates.  The level of the exchange rate by the monetary authority must be kept stable because an unstable exchange rate, especially one that experiences a sharp depreciation, can have financial crisis implications. This research approach was associative/quantitative research. The data used in this study are secondary data taken and processed from Bank Indonesia (BI) and the Central Statistics Agency (CSA) from 2013-2023 (11 years). Based on the results of regression analysis shows that the variable money supply, exchange rates, and interest rates simultaneously affect the inflation variable. Based on the results of regression analysis shows that the variable money supply has a positive and significant effect on inflation. Based on the results of regression analysis, the exchange rate variable has a negative and significant effect on inflation. Based on the regression analysis, the interest rate variable has no statistical effect on inflation.

Investment is a type of economic activity. Behind all wealth there is zakat. If wealth is not used in a useful way, it can be taken away by zakat over time. One of the good things about zakat is that it encourages all Muslims to use their money in ways that are productive. Only the profits from investments are subject to zakat, not the assets themselves. Everyone should know about the ethics of investing to make sure they don’t invest in things that are not allowed in Islam. Not knowing about Islamic investment can lead people to make bad decisions and act in ways that go against Islamic law. The desire for big profits is one reason people might make wrong choices. Investment is a kind of business, and it has risks because it involves uncertain things, which can lead to uncertain or unstable results. Islam encourages people to take action and be prepared through investing. Putting money in an Islamic bank is also considered an investment because the outcome is not certain.

Online gambling is a type of gambling that is carried out via the internet using electronic devices such as computers, laptops, tablets or cellphones. Included in these activities is betting money on various games or sporting events, both virtual and real. There are many impacts, one of which is addiction. Therefore, social support from friends and relatives is really needed by victims of online gambling addiction.  This research uses a quantitative approach, the method used in this research is quasi-experimental, with a non-equivalent control group design. Determining subjects used purposive sampling technique. The subjects of this research were 12 teenagers from Pasarbatang village who were divided into six teenagers in the experimental group and six teenagers in the control group. The data collection technique used is the online gambling addiction behavior scale. Validity test and reliability test using SPSS 23.0 Windows version.

Batik is a work of art that has unique cultural values. The existence of batik can be found at any time in all corners of the city of Pekalongan. Meanwhile, batik production and trading activities are active throughout the day, even late at night. The pulse of people's lives, which is never separated from batik, has given Pekalongan the image of a "batik city". This is quite relevant considering that the people of Pekalongan city cannot be separated from batik, batik has become the economic lifeblood of the people of Pekalongan. Pekalongan batik production is not only sold in the local market but has reached and penetrated the international market. As competition in the international batik industry has arrived, it is fitting for Pekalongan batik to receive legal protection. The legal protection in question is about intellectual property rights, one of which is related to the use of trademark rights. There are two problems in this research, namely how to obtain legal protection for brand rights, logos, batik motifs and models in Pekalongan and how to report criminal acts of misuse or counterfeiting batik logos/brands that have been registered with Intellectual Property Rights. This research was conducted using a normative juridical research model or a normative legal research method. The normative juridical research method is a library-based legal research method. In this research, research will be carried out by analyzing the problems being discussed relating to the regulations on Intellectual Property Rights, specifically Brand Rights. Then the author connects it with legal protection of brand rights for the Batik industry in Pekalongan. Research results Legal protection for copyright of batik motifs generally exists in the 2002 UUHC, as regulated in Article 12 letter i. Based on developments in the 1987 UUHC and 1997 UUHC, batik art that receives copyright protection is non-traditional batik art with the consideration that traditional batik art has become common property (public domain). In the 2002 Copyright Law, both traditional and contemporary batik receive protection. Legal protection for batik motif copyright is obtained automatically without registration. Copyright registration for Pekalongan batik motifs is still rarely done. UUHC 2002 basically protects the artistic work of batik craftsmen without having to register. This creates several problems, namely, new motifs created by batik craftsmen in Pekalongan are marketed, and within three months the printed batik will come out. Regarding this problem, the Pekalongan City and Regency Department of Industry and Trade has not yet taken action because basically most batik motifs in Pekalongan have not been copyrighted. If people want to protest and demand it, it will also cost a lot of money, even though most craftsmen in Pekalongan have little capital. The level of awareness and understanding of the public, especially small and medium industrial entrepreneurs, regarding copyright is still low, so this condition becomes even worse due to the lack of ability to access information, as well as understanding of relevant agency officials regarding the importance of copyright. Keywords: Brand Rights, Legal Protection, Pekalongan Batik

The process of holding elections must implement the principles of the election itself, namely: Honest, Fair, Direct, Public, Free, Secret, and Transparent. However, the implementation of general elections in Indonesia is inseparable from all forms of election violations and election disputes. One of the institutions responsible for supervising general elections in Indonesia is the General Election Supervisory Agency (BAWASLU). This type of research is empirical juridical legal research using the type of legal sociology study (Socio-legal research) which emphasizes the importance of interview steps and literature studies and qualitative descriptive analysis, namely by explaining, elucidating, and describing problems and close solutions. The results of this study show that: (1) The main functions of Bawaslu include monitoring, studying, and supervising the election process and preventing election violations. Therefore, monitoring, studying, preventing and supervising every stage of the general election in Kupang City properly and the implementation of Bawaslu's functions involves monitoring, investigating, and enforcing rules during the election process. (2) Efforts made by Bawaslu include maintaining the integrity of the election by ensuring that all processes run according to the rules, preventing and handling violations such as money politics and black campaigns. The efforts made by the Kupang City Bawaslu in overcoming Election Violations in Kupang City can be considered successful.

This study aims to find out and analyze law enforcement against money politics crimes by legislative candidates in the 2024 general election in East Nusa Tenggara Province. This research is a normative judicial legal research sourced from primary legal materials and secondary legal materials with  a case approach and a legislative approach. Data collection in this study uses interviews and documentation Furthermore, the legal materials that have been collected are described in a qualitative descriptive manner in order to obtain a picture that can be understood clearly and directed to answer the problem. The results of the study show that (1) Money politics actors have not been fully held criminally accountable for what they have done. Law enforcers must provide criminal penalties to perpetrators who have fulfilled the elements of criminal responsibility fairly so that they can have a deterrent effect so that it is hoped that in the future money politics cases will be minimized. (2)  The role of the Integrated Law Enforcement Center (Gakkumdu) in handling cases of violations of the 2024 simultaneous elections in East Nusa Tenggara Province is to resolve violations of election crimes.

The need for such a large amount of money causes some people to try to get as much money as possible even using illegal means. Such illegal acts can be crimes against the currency itself, such as counterfeiting money which is included in illegal practices that violate the law. One of the modes used is by buying and selling using counterfeit money. This study is an empirical legal research with primary legal data sources collected through interviews with respondents at the Kelapa Lima Police Station as well as secondary legal data sources collected through literature studies or document studies. The results of the study found that: (1) efforts to overcome the crime of counterfeiting and circulation of counterfeit money in Kupang City, namely penal efforts and non-penal efforts carried out by the Kelapa Lima Police. (2) There are several obstacles faced in efforts to deal with the crime of counterfeiting and circulation of counterfeit money in Kupang City, including: the reluctance of the community to report the discovery of counterfeit money, the difficulty of collecting counterfeit money, the difficulty of arresting the perpetrators.

This journal discusses the judge's considerations in the case of circulating counterfeit money at the Limboto District Court. By using normative research methods and statutory approaches and case approaches. Counterfeiting currency is considered a violation that can harm the interests of society. The case being studied is the decision of the Limboto District Court Number 119/Pid.B/2022/PN Lbo, where two defendants with the initials DT and CAL were found not guilty of the crime of forgery and circulation of counterfeit money. Even though the public prosecutor had presented evidence and witnesses, the judge acquitted the defendant because there was a discrepancy between the evidence presented and the counterfeit money distributed by the defendant.

The Community Service Program (KKN) is a form of community service carried out by students as part of the Tri Dharma of Higher Education. The KKN activity carried out in Telaga Jernih Village, Langkat Regency, aims to improve financial literacy among early childhood. This program focuses on introducing basic economic concepts and money management through interactive activities involving children and the local community. One of the main activities in this program is making piggy banks from recycled materials, which not only aims to instill the habit of saving, but also increase environmental awareness. The method used in this activity is a qualitative approach with direct observation, interviews, and documentation. The results of this activity show a significant increase in children's understanding of the importance of saving and managing money wisely. Children who were previously not used to saving, began to show changes in behavior by setting aside their pocket money regularly. In addition, this program also has a positive impact on parents and the local community, who are beginning to realize the importance of financial education from an early age. However, the challenges faced in implementing this program are limited time and resources, which can affect the sustainability of saving habits among children after the program ends. Therefore, support from schools and parents is needed to ensure that the savings habits that have been taught can continue to develop. Overall, this program has made a significant contribution in forming awareness of the importance of financial literacy and money management among early childhood and the Telaga Jernih Village community.