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In today’s modern era, humans have a life with endless activities and technological developments that is currently maturing in indonesia is financial Technology. Financial Technology (fintech) is the latest innovation in the financial service system which is touched by modern technology, to make it easier for people to make payments, investments, borrow money, transfer money and so on. The problem formulation for this (1) do usability factors influence students’interest in using sharia fintech (2) can trust factors influence students’interest using sharia fintech (3) can risk factors influence students’interest using sharia fintech. The aim of this reseacrh is to look at the backround of the problem is to find out the factors that influence interest using sharia fintech at UIN STS Jambi. Based on the result of previous research, the following conclusions can be conveyed in this research (1) The result of the research show that partially the perception of usefulness is not influence in mintst using financial technology with a significance value of 0.103. (2) The research results show that partially trust has no effect on interest in using Financial technology with significance value of 0.060/ (3) The research results show that partially risk has an effect on interest in using financial Technology with a significance value of 0.000   (4) base on the test results, it is known that the value reaches 116.391, while the significance value is 0.000. this shows that perceived usefulness of trust and risk influence interest in using Financial Technology

The aim of this research is to find out the public's perception of night market activities and the impact they have on road access in Bukit Pariaman Village, Tenggarong Seberang District, Kutai Kartanegara Regency.The type of data analysis carried out was using a qualitative descriptive analysis method. This research was carried out through interviews, field observations and document analysis. The research results show that the night market in Bukit Pariaman Village, which has been operating since 1995 and is held every Wednesday night, is an important economic and social center. However, limited parking space causes traffic jams that disrupt community activities. Inadequate infrastructure has also disrupted sales activities and reduced income since the Covid-19 pandemic. Parking money is channeled to the village treasury, but there has been no concrete solution from the market management and village government. This creates a feeling of discomfort felt by the community. Therefore, better management is needed, including providing parking lots, improving infrastructure and fair regulations. The community hopes that the village government will immediately provide a solution to reduce congestion and increase comfort. The research results recommend providing adequate parking, infrastructure improvements, more effective traffic management, transparency in financial management, and collaboration with the community to improve night market management in Bukit Pariaman Village.    

Increasingly advanced technology currently encourages people to make transactions using electronic money (e-money). Currently, more and more Indonesia people are using electronic money, this can be seen from the volume of electronic money transactions which is increasing from year to year. People prefer to make transactions using electronic money because it is easier to transact with traders. This research aims to analyse the variables of interest rates, inflation, money supply, e-money and electronic money transactions in Indonesia. The type of research is quantitative analysis using secondary data from 2011 to 2021 with quarterly annual data take from Bank Indonesia (BI), World Bank and BPS (Central Statistics Agency). The analysis method used is VAR (Vector Autoregressive) and refined with Forecast Error Variance Decomposition (FEVD) analysis. The results of the VAR analysis show that there is a contribution to the variable itself and other variable. From the estimation results, it turns out that there is a reciprocal relationship between one variable and another variable, or in other words, all variable, namely the variable Inflation, JUB, E-Money, Interest Rate and Elecronic Money Transaction contribute to each other. The results of the FEVD analysis show that not all variables contribute to the variable itself.

With the existence of sharia banking , banks carry out business in a way that complies with Sharia, known as Sharia principles. It consists of exchanging money in accordance with sharia principles while managing risk ( mudharabah ), managing money ( murabahah ), fairness or abundance ( ijarah ), or lending money from one bank to another ( ijarah wa iqtina ) and so on. In its development, institutions outside the banking structure, such as insurance, also participated. Insurance is a non-bank financial institution that operates in the economy outside the banking sector. It is tasked with supporting economic activities by providing investment and financing access services. The unique thing about sharia insurance is that it carries out procedures for all its activities with principles that are in line with sharia, so in all these cases it is also very important to see, measure, control and monitor risks that arise from operational activities. Therefore, the authors' skepticism regarding their hypothesis is whether or not there is an influence of sharia principles on risk management in sharia insurance. This research uses quantitative methods with descriptive statistical analysis . The impact of applying Islamic principles to risk management in the sharia insurance sector is that the application of Islamic principles to risk management in the insurance sector is very beneficial. However, there are parts that need to be limited and clarified as to what kind of disaster we can help with, of course this requires company regulations and customer agreements to be in good and correct accordance.

Corruption is one of the major problems that hinder development and prosperity in Indonesia. In Batam City, the handling of corruption crimes is often not optimal, especially in the aspect of recovering illegally obtained assets. The Non-Conviction Based Asset Forfeiture (NCBAF) mechanism is one of the instruments that is expected to accelerate the process of recovering state losses without having to wait for criminal punishment. This research aims to assist in the regulation of NCBAF laws and standards in resolving corruption crimes in Batam City, as well as identify the obstacles faced and efforts that can be made to optimize their implementation. The research methods used are normative juridical and empirical juridical. The normative juridical approach is carried out by reviewing relevant regulations, including Law Number 8 of 2010 concerning the Prevention and Eradication of Money Laundering Crimes, as well as related literature. The empirical juridical approach is carried out through case studies and interviews with law enforcement officials in Batam City. The results of the study show that although the NCBAF has been regulated in the regulations, its implementation in Batam City still faces various obstacles, such as lack of coordination between law enforcement agencies, high standards of proof, unclear legal procedures, and limited resources and technical capacity of the apparatus. Examples of corruption in infrastructure assistance, embezzlement of social funds, and corruption in the procurement of goods and services show that assets suspected of originating from criminal acts often cannot be immediately confiscated and utilized by the state. To overcome these obstacles, this study suggests increased coordination between law enforcement agencies through the formation of special teams, the preparation of clear standard operating procedures (SOPs), intensification of training for law enforcement officials, increased international cooperation, and community campaigns to increase public awareness and support. With these steps, the NCBAF is expected to become a more effective instrument in eradicating corruption and recovering state losses in Batam City.

The purpose of this community service is to improve the understanding of financial management literacy to teenagers in Kelambir Lima Kebun Village, Hamparan Perak District. The specific target in this community service is that the teenagers of Kelambir Lima Kebun Village know how to manage finances. The materials presented in this community service are: what is financial management literacy and how to implement it. The material presented in this community service is: what is financial management literacy and how to implement it, which will affect the financial condition of the teenagers of Kelambir Lima Kebun Village so that the teenagers get solutions in financial management. From this community service, the results show that the teenagers of Kelambir Lima Kebun Village have known and understood the importance of understanding financial management so that they will be able to manage the flow of money in and out and then know its use.

According to Mulyani (2018) breast self-examination (BSE) is a breast examination to find abnormal lumps. This examination can be done yourself without having to go to the health center and without having to pay any money. Based on data from the World Health Organization (WHO), the total number of cancer cases in Indonesia in 2020 reached 396,914 cases and the total deaths were 234,511 cases. Cancer prevalence in Indonesia in 2020 was dominated by breast cancer, with 65,858 cancer sufferers (16.6%). The research design used is an analytical type of research to determine the causal relationship between two variables.  with a cross sectional approach where data collection for independent variables and dependent variables is carried out at one time only. The population of this study is all teenagers in the Rohana am.keb midwife clinic area. a total of 35 teenagers. The entire research population was used as a sample, data obtained from primary data was analyzed using the chisquare test. Based on the statistical test table, it can be seen that from the chi square test, Knowledge (P=value=0.007) is smaller than sig α (0.05). It is hoped that health workers will pay more attention to young women about the dangers of breast cancer.

According to Mulyani (2018) breast self-examination (BSE) is a breast examination to find abnormal lumps. This examination can be done yourself without having to go to the health center and without having to pay any money. Based on data from the World Health Organization (WHO), the total number of cancer cases in Indonesia in 2020 reached 396,914 cases and the total deaths were 234,511 cases. Cancer prevalence in Indonesia in 2020 was dominated by breast cancer, with 65,858 cancer sufferers (16.6%). The research design used is an analytical type of research to determine the causal relationship between two variables.  with a cross sectional approach where data collection for independent variables and dependent variables is carried out at one time only. The population of this study is all teenagers in the Rohana am.keb midwife clinic area. as many as 35 teenagers. The entire research population was used as a sample, data obtained from primary data was analyzed using the chisquare test. Based on the statistical test table, it can be seen that from the chi square test, Knowledge (P=value=0.007) is smaller than sig α (0.05). It is hoped that health workers will pay more attention to young women about the dangers of breast cancer.    

According to Mulyani (2018) breast self-examination (BSE) is a breast examination to find abnormal lumps. This examination can be done yourself without having to go to the health center and without having to pay any money. Based on data from the World Health Organization (WHO), the total number of cancer cases in Indonesia in 2020 reached 396,914 cases and the total deaths were 234,511 cases. Cancer prevalence in Indonesia in 2020 was dominated by breast cancer, with 65,858 cancer sufferers (16.6%). The research design used is an analytical type of research to determine the causal relationship between two variables.  with a cross sectional approach where data collection for independent variables and dependent variables is carried out at one time only. The population of this study is all teenagers in the Rohana am.keb midwife clinic area. as many as 35 teenagers. The entire research population was used as a sample, data obtained from primary data was analyzed using the chisquare test. Based on the statistical test table, it can be seen that from the chi square test, Knowledge (P=value=0.007) is smaller than sig α (0.05). It is hoped that health workers will pay more attention to young women about the dangers of breast cancer.

According to Articles 33 & 34 of the 1945 Constitution Law of the Republic of Indonesia, the state is tasked with protecting the entire Indonesia nation and promoting general welfare in realizing social justice for all Indonesia people. One of the government's strategies in realizing social welfare is to distribute social assistance (Law Number 11 of 2009). Based on the Regulation of the Minister of Finance (PMK) number 181 of 2012, social assistance (bansos) is assistance in the form of transfer of money, goods, or services by the central/regional government to the community to protect the community from the possibility of social losses, increase economic capabilities, and improve social welfare. This type of research is descriptive qualitative research. This research is to identify and analyze Public Service Development Strategies in Increasing Transparency of Aid Distribution in Wajo Regency. This study uses qualitative research methods in the research design. The results of interviews with Social Service employees and the community show that the public service development strategy in Wajo Regency focuses on the use of information technology, effective socialization, and an empathetic approach. Overall, the efforts made by the Social Service have brought positive changes in the distribution of social assistance in Wajo Regency, with an increase in public trust and satisfaction with the services provided.

Gambling is not only prohibited by Islamic law but gambling is also prohibited by law. Online gambling in Indonesia has a widespread, deep and pervasive impact, like an octopus. The dangers of gambling grip various aspects of individual and societal life, creating complex and layered problems. From financial and mental health losses to family breakdown and increased crime.Online gambling is the act of gambling carried out online via a website or application that provides gambling content. Please note that online gambling is an act that is prohibited based on the provisions in Article 27 paragraph (2) of the ITE Law, namely that every person intentionally and without right distributes and/or transmits and/or makes accessible electronic information and/or electronic documents containing content. Gambling.The largest online gambling market in the world with gross online gambling revenue globally is estimated to reach US$102 billion or the equivalent of IDR 1,563.35 trillion in 2021 (exchange rate IDR 15,327/US$).The UK is recorded as the largest online gambling market in the world with revenues of US$12.48 billion, the United States (US) with revenues of US$10.96 billion, and Australia US$6.55 billion. Meanwhile, the largest online gambling players in Indonesia are in the West Java region, estimated at 535,644 people, with transactions of IDR 3.8 trillion, DKI Jakarta, with 238,568 players with transactions of IDR 2.3 trillion, Central Java has 201,963 players with transactions of IDR 1.3 trillion. Trillion, Banten 150,302 players with transactions of IDR 1.02 trillion, and East Java 135,227 players with transactions of IDR 1.05 trillion.The dangers of Gambling in terms of increased crime, many individuals are trapped in huge debts due to gambling which triggers and spurs them to turn to criminal acts such as theft, fraud, and even violence to earn money, creating an unsafe social environment.

Socialization is a means of the learning and teaching process. The purpose of socialization and counselling is to provide individuals and community groups with an understanding of something. Saving is essential in terms of financial management. Saving is setting aside money for a certain period that can be used. Knowledge about finances is not only intended for adults or parents, but young children need to be given understanding and good habits that can be useful in later life. The targets for this activity are the children of the Al Hayat Orphanage in the Milangasri District, Panekan District. Magetan. The number of participants was 28 people, consisting grade elementary school to high school. This activity benefits children at the Al-Hayat Magetan Orphanage to be more creative in processing used goods into valuable products even though they are not of high value. Apart from that, this activity is hoped to inspire others to see creative potential in things that are usually considered waste or rubbish.

This study aims to analyze the monetary indicator variables on the stability of goods and services prices before and during the Covid-19 pandemic. The data used are secondary data obtained from the publications of the Central Bureau of Statistics (BPS) and Bank Indonesia (BI). The analytical method employed is the Error Correction Model (ECM) to examine the short-term and long-term relationships between monetary variables (money supply, interest rate, exchange rate, and inflation) and price stability. The results indicate that before the Covid-19 pandemic, the variables of money supply and exchange rate had a significant effect on price stability, while the interest rate had no significant effect. Meanwhile, during the Covid-19 pandemic, the interest rate and inflation significantly affected price stability, whereas the money supply and exchange rate were not significant. These findings suggest that monetary dynamics before and during the Covid-19 pandemic differed in their influence on the stability of goods and services prices.

This study aims to find the highest value of criteria, sub-criteria and alternatives in prioritizing K3 strategies at PLN NP UP Muara Tawar to ensure and protect the workforce. Using the 5M approach (Money, Man, Machine, Methods and Milieu), 21 sub-criteria and 5 alternatives in order to prevent, overcome and minimize the occurrence of work accidents and their impacts by identifying, analyzing and controlling appropriately to improve K3 in the workplace. The Simple Additive Weighting (SAW) mixed method is used to calculate criteria and sub-criteria and Technique for Order of Preference by Similarity to Ideal Solution (TOPSIS) calculates alternatives. The results of the analysis show that the highest criterion is man (M) with a score of 0.2113 and the highest sub-criteria are K3 Infrastructure Investment (MO1) and Fire Protection System Infrastructure Investment (MO2) with a score of 0.29577. The highest alternative is with a score of 0.7900 on maintenance of equipment and facilities (A2).    

This study aims to 1) find out students motivation for playing online gambling; 2) find out the influence of economic factors that students have when playing online gambling; 3) find out students' understanding of the risks of playing online gambling.This research uses qualitative methods, where researchers collect data through interviews and observations. The subjects of this research are students who are 21-23 years old, domiciled in the Special Region of Yogyakarta and play online gambling, totaling 3 people. The data analysis technique used in this research is to transcribe interviews, observations, data reduction, data presentation, then draw a conclusions.The results showed that in 1)playing online gambling there are several similarities, one of which is the motivation in playing online gambling which wants instant money. Another similarity lies in the interest in playing online gambling, where students rely on the surrounding environment such as campus friends, in obtaining link sites or other information related to online gambling.2) An unstable economy, as well as higher self-needs make students play online gambling. In the game, 3)students understand the risks in playing online gambling, such as undergoing punishment, having their data hacked by unknown people, and taking up a lot of time.

This study aims to find out the causes of wildlife trade, the factors that drive the continued of illegal trade and the consequences which is studied in the perspective of Georg Simmel's philosophy of money theory. The method used is descriptive qualitative derived from the analysis of one of the videos in the watchdoc youtube channel and literature review from several sources of national and international articles. The results showed that the existence of wildlife trade in animal markets is a form of weak law enforcement and the lack of prosperity of Indonesian which also affects on other living creatures. The main factor behind the wildlife trade is economic. Economic difficulties force some people to do various ways to survive, one of which is by buying and selling wildlife that is considered to be quite profitable. However, the impact of this wildlife trade is also a concern because it can lead to zoonosis that threatens human health. This illegal trade is a manifestation of Georg Simmel's theory that money moves in the social, money adjusts itself in social relations, and how money affects social phenomena that happens in society. The effort that can be made to decrease the rampant wildlife trade is by consciously enforcing the applicable regulations together.

The existence of financial literacy helps individuals make smarter purchases, for example by thinking about the needs that need to be met, the price of products, services and services provided. Good financial literacy facilitates thinking in making decisions, especially in the financial sector. Because in this case they are considered capable of reading or assessing and considering the current financial situation. Financial literacy is needed not only in personal life, but also in work, especially those that are closely related to financial activities. In the family itself, good financial literacy usually has to be carried out by the head of the family or other family members such as the mother. If the family lacks people who have good financial literacy, then the family's spending or consumption may not be commensurate with the income earned in the family, so it can be said that there is a lack of money to meet the family's living needs. This can also happen in social life. It could also be said that if we have good financial literacy, we cannot manage our expenses well.                                                     

This study is entitled Study Analisys of the Urgency and Implementation of the Law Number 8 of 2010 on Prevention and Punishment of Money Laundering. The development of the financial sector in Indonesia continues to progress, but the legal process has not followed the guidelines set by the Indonesian Financial Law and Regulations on Unlawful Money Transfer. Indonesia has enacted several laws to address this problem, including Financial and Material Law Number 8 of 2010, which aims to maintain economic stability and the integrity of the financial system, promote social harmony, economic growth, and government reform. The Indonesian government has implemented various measures to eradicate money laundering, including bilateral and multilateral forums, the concept of double crime, and the implementation of the "KYC" principle. The government also imposes fines on those who break the law, such as fines, jails, and non-bank fines. In the end, money laundering in Indonesia can be effectively managed through legal action and international cooperation. This research uses normative research methods, using non-fiction data sources, electronic journals, legislative regulations, and other relevant library sources to conduct research. The purpose of this research is to find out the urgency of Law Number 8 of 2010 on the Prevention and Eradication of TPPU and what efforts are being made to prevent and eradicate TPPU.

This research discusses the legal and economic aspects related to Sales and Purchase Agreements in the context of debt settlement. The main focus is the legal analysis of Sales and Purchase Agreements which is based on Debt-Receivable or Money Lending and Borrowing Agreements, as well as its impact on legal certainty and protection for the parties involved. This research also investigates the provisions of Articles 1457 and 1458 of the Civil Code regarding the validity of sale and purchase transactions, as well as the process of transferring land rights through a Deed of Sale and Purchase carried out by the Land Deed Official. The study results show that PPJB is often used as debt collateral, although this practice is not legally valid because Sales and Purchase Agreements and Debt-Receivable Agreements have different concepts and principles. The use of Sales and Purchase Agreements as debt collateral is considered problematic because it violates Article 1320 of the Civil Code which regulates the conditions for the validity of an agreement. This research emphasizes the importance of understanding the differences between sales and purchase agreements and accounts payable to ensure legal clarity and adequate protection for all parties involved in the agreement.    

One way to restore the lost state corruption is to impose additional punishment in the form of restitution payments. This effort provides results in the form of income to the state treasury from the payment of restitution. Of the several convicts who have been deposited the amount of restitution payments. Restitution as an additional punishment in corruption cases must be understood as part of the efforts to punish those who violate the law that is violated is a further act of corruption. Corruption has resulted in poverty so that the perpetrators of corruption must be sentenced to payment of restitution due to corruption that has occurred so far, in addition to harming state finances and the state economy, it also hampers the continuity of national development.The type of research conducted in the preparation of this research is normative juridical, which is viewed from the object of research is positive law that examines the rules of law governing criminal acts of corruption in an effort to prevent the prevention of criminal acts of corruption. The data obtained in this research will be analysed qualitatively in accordance with the specification of the nature of the research to examine between theory and practice in the form of criminal acts of corruption in an effort to prevent the prevention of criminal acts of corruption. Qualitative data analysis is to explore social facts not only on the surface but also to explore what actually happens behind the real events. Corruption that results in state financial losses in the concept of eradicating corruption is all expenditures or uses that are a burden on state finances where the expenditure or use of state money is based on unlawful acts, including reduced income or income to state finances based on unlawful acts, unlawful acts that result in state financial losses must be caused by acts that contain the nature of criminal law (wederrechtelijk). The imposition of restitution payments in the eradication of corruption as stipulated in Article 18 of the Law on the Eradication of Corruption is a means that can be applied to realise recovery efforts or recovery of state finances caused by corruption, restitution payments are imposed on the perpetrators of corruption in the amount of property obtained from corruption and the amount of property that has been transferred by the perpetrator to other parties where the other party is not prosecuted and does not commit acts against criminal law (wederrechtelijk).