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Based on the results of the study, the transaction mode is the most often used mode in the act of circulating and counterfeiting money and economic factors are the main factors for a person to commit the crime of counterfeiting money, as well as efforts made by the police in preventing and exposing the crime of counterfeiting. The transaction mode is the mode most often used by rupiah counterfeiters because this mode is easy to circulate counterfeit money. Economic factors are the most important factor for perpetrators to commit the crime of counterfeiting rupiah. Because the economy is squeezed, someone commits a crime to meet their economic needs. The efforts made by the Gorontalo City Police to prevent the occurrence of rupiah counterfeiting crimes are pursued with three efforts, namely preventive efforts, premative efforts, and repressive efforts. The crime of counterfeiting rupiah is a criminal act in which it contains a system of untruthfulness or falsehood of something (object) that appears from the outside as if it is true, when in fact it is contrary to the real thing that is called the crime of counterfeiting, including currency counterfeiting. The legal basis of money and currency is Law Number. 7 of 2011 concerning Currency, which was promulgated in the Statute Book of the Republic of Indonesia Year 2011 Number. 64 and Supplement to the Statute Book of the Republic of Indonesia No. 5223 This research was conducted to find out the factors and modes of the perpetrators of a criminal act of counterfeiting money in Gorontalo City and to find out the efforts made by the relevant legal parties in an effort to prevent the occurrence of the crime of counterfeiting rupiah money in Gorontalo City.

This study aims to analyze the effect of money supply (JUB), e-money transactions, and the BI 7-Day Reserve Repo Rate on the inflation rate in Indonesia in the period 2012 to 2021. The background of this research is based on the increasing use of non-cash transactions and the dynamics of monetary policy in maintaining price stability. The method used in this study is the Vector Error Correction Model (VECM) to measure the short-term and long-term relationship between variables. The analysis shows that JUB and e-money have a positive influence on inflation in the long run, while BI 7-Day Rate has a negative and significant effect on inflation. Simultaneously, the three variables show a significant relationship with inflation, indicating the importance of controlling monetary instruments in maintaining price stability in Indonesia. This study contributes to the understanding of the role of payment system innovation and interest rates in controlling national inflation.

This study is based on politeness in language in  Deddy Corbuzier's podcast with Rafael Smash entitled "Rafael Seblak, Don't Have Money Anymore to Live in Jakarta, But God Doesn't Sleep". The purpose of this study was to find out the use of touch maxim adherence in  Deddy Corbuzier's podcast. The research method used is the Literature study method, the source of data in this study, namely  the Deddy Corbuzier podcast video. Data collection techniques by means of reading techniques and note techniques. Based on the results of the discussion, it was found that there was the use of the maxim of politeness in language in  Deddy Corbuzier's podcast there were the maxim of politeness of wisdom, maxim of praise/appreciation, maxim of humility, and maxim of agreement.    

Understanding the Indonesian language plays a crucial role in the tourism sector, especially in tour and travel. Indonesian not only serves as a communication tool but also as a means to convey information, promote culture, and build good relationships between tourism industry players and tourists. Effective communication using Indonesian allows for clear and accurate information delivery about tourist destinations, history, and local culture. This contributes to increased tourist satisfaction, as they gain a more informative and satisfying experience. Additionally, Indonesian helps promote local culture by explaining the meaning behind traditions and customs to tourists, thus enhancing their appreciation of Indonesia's cultural richness. The proper use of Indonesian in tour and travel services also has a positive impact on the local economy by attracting more tourists and increasing revenue from the tourism sector. Satisfied tourists tend to spend more time and money, which contributes to regional economic growth. Indonesian also plays an important role in building good relationships between tourists and local communities, creating a more authentic and meaningful experience for tourists.    

Investing in the Shariah capital market is not only a potential business choice but also an embodiment of the recommended practice of muamalah in Islam, where wealth is used productively to bring benefits to oneself and others. This study found that financial literacy has a significant influence on students' investment interest, with a significance value of 0.000. Financial literacy plays a crucial role in shaping wise financial behavior, where a deeper understanding of finance and investment can help individuals manage their finances better. Additionally, Shariah investment gallery activities also have a significant influence on students' investment interest, with a significance value of 0.012. These activities provide students with a deeper understanding of the mechanisms and principles of the Shariah capital market, thereby increasing their interest in investing. Managing pocket money is also a significant factor in determining students' investment interest, with a significance value of 0.003. Wise management of pocket money allows some students to use part of those funds for investment, subsequently increasing their interest in the Shariah capital market. Simultaneously, the research results show that financial literacy, Shariah investment gallery activities, and pocket money management have a significant influence on students' investment interest, with a significance value for the F-test of 0.000.    

This study aims to examine the effect of money ethics, taxation system, and tax justice on tax evasion with religiosity as a moderating variable. This type of research is quantitative research using primary data obtained from questionnaires distributed to individual taxpayers registered at KPP Pratama Semarang Candisari. Sampling using the slovin formula with a total sample of 125 people. The method of data analysis technique used is multiple linear regression analysis using the SPSS program. The results of this study indicate that money ethics and tax justice have a negative and significant effect on tax evasion, while the tax system has no effect on tax evasion. Religiosity cannot moderate the effect of money ethics and tax justice on tax evasion, while religiosity can moderate the effect of the tax system on tax evasion.

This research aims to analyze the implementation of Know Your Customer (KYC) through Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) in the efforts to prevent and combat money laundering and terrorism within the financial services user base. In this study, the research method employed is literature review. The findings of this research can be utilized to support the development of policies and strategies for the prevention and eradication of money laundering and terrorism within the financial services user community. The application of KYC through CDD and EDD is crucial in reducing malicious risks, preventing theft of funds, and maintaining integrity and transparency in financial transactions. Therefore, it is essential for financial institutions and stakeholders to continuously develop and manage the KYC processes effectively and sustainably. 

This research work investigates cost implication of change in Naira notes on Household and money market operators in Taraba State. The study adopted a survey research design to obtain data about practices, situations, and views through questionnaires. The number of respondents for Households and Money Market Operators is 394 and 338 respectively. The study used a simple multistage and cluster sampling method to select the sample respondents. The study employed a descriptive statistic method; simple percentages and the Chi-square (x2) statistic were used for the computation and analysis of the data collected. The study found a significant increase in general costs of household and money market operators in Taraba State between 2022 and 2023. This policy significantly affected households and money market operators in Taraba State by increasing their general costs. The study recommends that a reasonable timeline be given to the implementation period with strict monitoring and control of commercial banks to erode favoritism and corruption in the process of policy implementation. There should be stability in the maximum cash withdrawal policy from all means: Point of sale (POS), automated teller machines (ATM) over the bank counter, etc., and adequate provisions for electronic banking for rural and urban centers should be made by financial sector administrators. The government should promote ceaseless cash traceability and accountability to keep the new notes as close to the banking system as possible.

The purpose of this study is to examine how lifestyle choices and pocket money affect the purchasing habits of Muhammadiyah University of Makassar students enrolled in the Faculty of Economics and Business. Using SPSS software version 26, multiple linear regression is the data analysis technique employed. The research data was obtained through primary data collection using proportional random sampling techniques. According to the study's findings, 1) pocket money significantly affects students' purchasing decisions, with a probability value of 0.000 (less than 0.05) for the pocket money variable. 2) Additionally, lifestyle has a considerable impact on consumer behavior, as seen by its 0.000 probability value (less than 0.05).

The research entitled 'Evaluation of the Accounting System for Cash Income and Expenditures for MSMEs in Sedayu District" was carried out on 2 MSMEs, namely Angkringan Pusat and Warung Kang Bawor. With the aim of carrying out an in-depth analysis of the cash management system, especially in recording financial reports. The research results show that the largest cash expenditure comes from purchasing goods to carry out stock, while the main income comes from product sales. Apart from that, weaknesses were also found in recording financial reports, namely the combination of personal money and business money that occurred in the 2 MSMEs. This is caused by managers' lack of knowledge regarding a good financial recording system, so this is a major obstacle, so in this research it is recommended to increase education and training for managers of the Angkringan Center and Warung Kang Bawor MSME businesses. With the hope of producing financial report records that comply with standards.

The development process in Indonesia is currently divided into various sectors, including the economic sector, education and infrastructure. The massive infrastructure development carried out by the Government is carried out in order to support the improvement of public services. Policies related to infrastructure development are currently also simplified, so that more small and large businesses can participate in infrastructure tenders. One of these policies is the Down Payment Guarantee Policy. Down Payment Guarantee is a guarantee provided by an insurance company that guarantees that the company is able to carry out a project and can return the down payment according to the agreed rules. In its implementation, it turns out that the Down Payment Guarantee can experience disputes and lead to claims for Default. This study will analyze court decisions in cases of Default claims in Down Payment Guarantee cases. The approach used in this study is normative juridical law.

The crime of corruption is one part of a special crime in addition to having certain specifications that are different from general crimes. White Collar Crime is a term applied to people who wear ties who have high intelligence and commit criminal acts of corruption. As we all know, corruption is an extraordinary crime. Not only because it costs the state money, but it has an impact on all development programs, the low quality and quality of education, the low quality of facilities, equipment and infrastructure, as well as the problem of poverty that has not been addressed. Corruptors have taken away people's rights, human rights, and are against humanity. The principles of democracy which uphold transparency, accountability and integrity, as well as the security and stability of the Indonesian nation are threatened due to corruption crimes. Many corruptors who have been found guilty by the court and undergoing training in correctional institutions can quickly return to society because they have obtained their rights as correctional inmates, one of which is obtaining the conditional release program. The role of the Medan Class I Correctional Center is needed to realize the effectiveness of mentoring clients for criminal acts of corruption who are undergoing conditional release so that they can be accepted in society. Guidance provided to clients who have committed criminal acts of corruption must be carried out under supervision to determine the effectiveness of each guidance program provided until the guidance is finally terminated.

Digital transformation in the public transportation sector is part of the national development priority agenda aimed at improving service quality and operational efficiency. This study aims to analyze the implementation of cashless payment-based digital transformation in public transportation policy on the Suroboyo Bus in Surabaya, analyze service quality based on SERVQUAL dimensions, identify supporting and inhibiting factors for implementation, and evaluate the success and shortcomings of the policy. This research uses a qualitative approach with a descriptive research type. The results show that the implementation of cashless payment on the Suroboyo Bus has been running well since 2018, with four main payment methods: QRIS, e-money cards, plastic waste contributions, and the Child Identity Card (KIA). QRIS has become the dominant payment method with a 48% share in 2025. Service quality based on SERVQUAL dimensions shows good results in the aspects of tangibles, reliability, and responsiveness, but still requires improvement in the dimensions of assurance and empathy. Supporting factors for implementation include government commitment, the availability of regulations (Perwali No. 22 of 2023)., adequate infrastructure, and support from digital payment service providers. Inhibiting factors include limited digital literacy, internet network disruptions, limited economic access, and lack of socialization. The success of the policy is reflected in increased operational efficiency, financial transparency, and a rise in the number of users from 1.2 million (2019). to 3.5 million (2025). Shortcomings of the policy include the digital gap for vulnerable groups, dependence on internet networks, and a decrease in participation in the plastic waste payment program from 25% (2023). to 12% (2025).

LPD is an institution in the financial services sector whose main activity is accepting deposits/savings and also deposits from the traditional village krame itself. In its management, LPD also functions as a place to borrow money or credit with conditions that are much lighter than other banking institutions but are intended for only specific to their own traditional village manners.  In cases of criminal acts of corruption that have occurred so far, not only are they detrimental to state finances, but are also violations of the social and economic rights of society at large, so that criminal acts of corruption need to be classified as crimes whose eradication must be carried out in an extraordinary manner. Law enforcement agencies, such as the Corruption Eradication Committee, the police and the prosecutor's office, must always be alert in the process of investigating and handling corruption cases which are very widespread in Indonesia. Apart from that, to further guarantee legal certainty, avoid variations in legal interpretation and provide protection for the social and economic rights of the community, as well as fair treatment for members of criminal acts of corruption, it is necessary to make changes to Law Number 31 of 1999 concerning the Eradication of Criminal Acts. Corruption.

The bank is an official state institution in the financial sector that has the task of withdrawing and disbursing public money. Banks are one type of trusted institution among the surrounding community. Banks that have a non-trivial task make the bank also registered in the law for its security. There are many banks in Indonesia, one of which is BSI. BSI is the only bank that applies sharia principles based on the Koran and hadith. The existence of these principles makes Islamic banks not carelessly choose transactions or cooperation with other parties or customers. Uniquely, Islamic banks also use a profit sharing system as their ratio. Whereas conventional banks use the deposit interest system as their ratio. That is why researchers are interested in conducting research on the difference between the principles of Islamic banks and conventional banks in fundraising products (funding). There are three types of fundraising products in both Islamic and conventional banks, namely checking accounts, savings accounts and time deposit accounts. The difference is that Islamic banks use wadi'ah contracts and mudharabah contracts. This study aims to introduce to all people that Islamic banks have their own uniqueness and characteristics. Therefore, it is necessary to explain the contracts involved in Islamic banking. In this study, researchers used qualitative techniques. There are two data sources: Primary and secondary data sources. The researchers conducted direct interviews with informants based on primary data.

The purpose of this research is to measure the financial performance of Surakarta City Local Government using the value for money approach. A qualitative descriptive approach was used in this research. Postpositivist research utilizes natural conditions, with the researcher as the main instrument. Based on the data, the financial performance of the Surakarta City Government was evaluated using economic ratios in 2020-2021, and with an overall average of 85.28%, it fell into the economic category. In terms of efficiency, it is measured by the efficient ratio from 2020-2022 with an overall average of 96.24% but in 2020-2021 which is included in the efficient category and in 2020 it is not included in the efficient category. From the effective side, it is measured by the effective ratio from 2020-2022 with an overall average of 98.74% but only in 2020 which is not included in the effective category and the following year 2021-2022 is included in the effective category.

Cats are one of the beloved animals that require care and development. As beloved animals, cats have their own charm thanks to their different body shapes, eyes and fur colors. Cats whose pedigrees are officially registered as purebred cats. Cats, in Latin Felis silvestris catus, are a type of carnivore. The word cat usually means a domesticated cat but can also refer to large cats such as lions, tigers and leopards. Cats have been mixed with human life for at least 6000 years BC, since cat skeletons were discovered on the island of Cyprus (Arquitectura et al., 2015).  One of the diseases that often appears in cats is feline lower urinary tract disease (FLUTD), also known as feline urological syndrome (FUS), which is a health problem that often occurs in cats, especially male cats. This health problem attacks the cat's bladder and urethra. Urethral disorders are caused by the structure of the male cat's urethra, which is tube-shaped and has a narrow section, which often causes obstruction of urine from the bladder (VU) to the outside of the body. FLUTD includes several diseases that occur in the cat's urinary tract (Indonesia, 2022).  Knowledge about diseases in cats is one of the problems. Many owners do not realize that their cats are suffering from diseases that can cause death. The cause of the cat's death occurred due to the keeper's lack of knowledge regarding the disease and symptoms the cat was experiencing. Apart from that, the problem is that there are so few doctors available that they are difficult to find, and the information obtained is only in accordance with the condition of the cat when it goes to the vet. If you see other symptoms, like it or not, you have to consult the veterinarian again and it will take additional time and money. This problem can be solved with an expert system that can diagnose the disease suffered by the cat based on the selected symptoms.

Before the development of science and technology, the payment system in Indonesia was only done using cash. Money is used to make daily human payments as a medium of exchange. Cash payment instruments are regulated in Law Number 7 of 2011 concerning Currency. But along with the development of science and technology, payment instruments have been more widely used. This progress comes in the form of digital payment instruments. QRIS is one of the digital payments available today. QRIS stands for Indonesian Quick Response Code Standard launched by Bank Indonesia. When making payments through QRIS as a means of payment, you can use one e-wallet to pay merchants, such as Link Aja, Gopay, OVO, DANA, Shopeepay, and others. This research was conducted to compare payment systems (cash and QRIS payments) made by Banten students in making transactions. This research was conducted using quantitative methodology. The distribution data was collected through the distribution of questionnaires.

Currency classification is one of the challenges in the field of digital image processing and computer vision which can be applied in various applications, such as ATM machines, automatic money exchange machines, and mobile banking applications. This research aims to develop a classification model that is able to differentiate between 5000 thousand rupiah and 2000 thousand rupiah currency using the Convolutional Neural Network (CNN) algorithm. CNN was chosen because of its ability to recognize complex visual patterns and specific features from images. The dataset used in this research consists of 10 currency images of 5000 thousand rupiah and 10 images of 2000 thousand rupiah taken in lighting conditions and viewing angles vary and are classified into 2 classes. The data is then processed and normalized to increase model accuracy. The proposed CNN model, namely the Squential Model, consists of several convolution layers, pooling layers, and fully connected layers which are optimized to detect visual differences between the two types of currency.  

Early savings socialization for students of SDN 56 Perumnas Poka is an effort to teach students about the importance of early savings. This socialization program is useful to provide students with an understanding of how to set aside money, manage money, and introduce the concept of saving. In this program, students are taught about the importance of saving through activities. They are given an understanding of the purpose of saving, such as to prepare for the future or for emergency needs. This socialization activity is carried out using a method in implementing this socialization activity by providing and educating students about the importance of saving and also giving lessons on the benefits of saving since childhood, and practice making piggy banks from used materials. With this socialization program, it is hoped that elementary school students at SDN 56 Perumnas Poka can understand the importance of managing money well and must have the habit of saving from an early age. This will help them increase their awareness of saving money from an early age to build their future.