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Sharia Pawn (Ar-Rahn) is an agreement between a lender and a party who lends money. A lien is a right to tangible goods that is given to a debtor who wants to get ahead of the debtor, and the item is taken after the person has the money to redeem the lien. Rahn is a pawn service product based on sharia principles, where customers are only charged with administrative fees, additional mortgage and maintenance costs. The purpose of this study was to determine the evolution of income, inflation rates and gold prices in Rahn's credit distribution at PT. Pawn shops in Indonesia. The data analysis method used is descriptive analysis with a quantitative approach used as a data analysis method. The data source comes from secondary data Literature research and documentation are used as data collection techniques. The subject to be studied is PT. Pegadaiic Indonesia 2013- 2022. The results show that gold income and prices are directly proportional to rahn credit distributed to the community. Meanwhile, inflation is not directly proportional to the rahn credit distributed to the public.

   Health workers are noble jobs and professions that are at the forefront in dealing with health problems, especially in the midst of the COVID-19 pandemic crisis. Health workers have to sacrifice their lives to protect the community from the spread of the covid-19 pandemic, health workers are also worried about the covid-19 pandemic, especially many health workers who are exposed to Covid-19 and the death of health workers, especially doctors and nurses. The implementation of safety and health for health workers aims to provide protection for health workers to be healthy, safe, productive, and avoid work accidents and occupational diseases. This research is focused on positive legal policies in Indonesia that regulate legal protection for the right to work safety for health workers who deal with the COVID-19 outbreak. The legal research used is normative legal research, the results of the study show that legal protection and fulfillment of the right to work safety for health workers who deal with the covid-19 pandemic outbreak are regulated in Indonesian laws.  

This study aims to find out perspectives on the role and authority of the Financial Services Authority in bankruptcy cases at insurance companies in Indonesia. OJK is an independent body that is free from government interference in its duties, functions and authority to supervise, inspect and conduct investigations in the financial services sector so as to create a good national economy. Within the scope of supervision in the insurance sector, the Financial Services Authority has the authority relating to submitting bankruptcy declaration requests to insurance companies in order to protect the interests of insurance policy holders. Arrangements regarding the authority of the Financial Services Authority in submitting requests for bankruptcy statements against insurance companies are regulated in Law no. 21 of 2011 concerning the Financial Services Authority. The research uses a qualitative descriptive approach using secondary data obtained through library research. The role of the Financial Services Authority in the bankruptcy of an insurance company is to oversee the course of the insurance company's bankruptcy until liquidation and to ensure that the insurance company has paid all its obligations to creditors.

Agriculture plays an important role in food sustainability and security in Indonesia, including in the City of Tuban. The city has wide potential for the development of the agricultural sector, including crops, plantations, animal husbandry, forestry and fisheries. However, the limited information regarding the current situation of these sectors raises the need for in-depth analysis. This study aims to analyze the portrait of agriculture in the city of Malang with a focus on crops, plantations, animal husbandry, forestry, and fisheries. This analysis will provide insight into the current status, development potential, challenges and opportunities within these sectors. This research uses a qualitative approach by conducting field surveys, interviews with farmers, ranchers, fishermen, and other relevant stakeholders. The collected qualitative data were analyzed thematically to describe an overall picture of each agricultural sector. The results of the analysis show that the secondary crops sector has experienced positive growth, but still faces challenges in terms of access to markets and technology. Plantations have great potential in the development of superior commodities, but need to improve infrastructure and environmental sustainability. Livestock is experiencing rapid development, but faces problems in waste management and animal health. Forestry is faced with land expansion and forest restoration, while fisheries require steps to maintain the sustainability of fish resources. These findings provide important input for the local government and related stakeholders to develop a strategy for sustainable agricultural development in the City of Tuban. Efforts are needed to improve market access, strengthen infrastructure, improve waste management, improve animal health, and maintain the sustainability of fish resources. This analysis can also be the basis for further research and more effective policy planning in the agricultural sector in Tuban City.  

APBD is one of the tools to improve public services and welfare in the community according to the broad and real goals of regional autonomy. This study aims to find out whether the preparation of the APBD in Malang City is in accordance with Government Regulation Number 12 of 2019 concerning Regional Financial Management, Minister of Home Affairs Regulation Number 90 of 2019 and Malang Mayor Regulation Number 24 of 2020 concerning the 2021 Kola Malang Regional Government Work Plan. The research method used is descriptive method, each data collected is analyzed and a conclusion is drawn. The type of research used is descriptive qualitative. The research results obtained are that the process of preparing the Malang City APBD in accordance with Government Regulation Number 12 of 2019 Minister of Home Affairs Regulation Number 90 of 2019 has been carried out properly.

Illegal fishing still occurs in Indonesian waters, although various efforts have been made to deal with it. This illegal activity is not only a problem for Indonesia, but also a cross-country problem because the actors and activities are cross-country, and because of that, the handling of this problem must be carried out cross-country, especially through bilateral cooperation. This study aims to determine the Indonesian Government's Efforts to Handle Illegal Fishing on the Border of Indonesia and the Philippines. The lack of a defense and security system in Indonesian waters has led to the emergence of threats such as illegal exploitation and exploration of fishery products that are not reported and are not in accordance with predetermined rules carried out by foreign parties. This act of fishing activity is commonly referred to as Illegal. This research uses a descriptive-analytic research method.With data collection techniques through interviews, observation and documentation. The results of the research show that cooperation between Indonesia and the Philippines can run well if the Philippines itself is quick in responding to ideas and agreements that have been mutually agreed upon, the slow response from the Philippines itself makes the second agreement slow to process, therefore the strategy that can be carried out by Indonesia in encouraging a quick response from the Philippines itself is by discussing every collaboration that is ongoing or has expired intensively and continuously. Bilateral talks can accelerate cooperation between the two countries in a better and more advanced direction.    

The Merdeka Learning Campus Merdeka Program (MBKM which has been running at the Faculty of Language and Literature education and all faculties of education at the University of HKBP Nommensen Medan) is considered to have an impact on the quality of learning and student quality. This study analyzes the impact of MBKM on student quality from the perspective of FKIP students. Based on the results of a survey analysis of 224 respondents, FKIP students who interact directly with inbound students, found a positive impact on student quality. The biggest impact is seen in increasing diversity tolerance and accepting differences. Apart from that, FKIP Nommensen Medan students also felt an increase in their communication and collaboration skills.

In facing business competition, PT Telkom implements a strategy to be able to compete in the international market so that the company's capabilities and advantages competitive companies in the face of increasing competition in the international market effective. This study aims to determine the marketing strategy, the five forces analysis, industrial environment and SWOT analysis at PT Telkom. Besides that, identify the factors that become strengths and weaknesses as well opportunities and threats for this company. The analysis used in the research. This is a qualitative and descriptive descriptive analysis. By doing This external environmental analysis can evaluate PT Telkom's competitive strategy in achieving sustainable growth. By utilizing the porter five forces It is hoped that PT Telkom will be able to recognize its competitive position and improve competitive advantage to win the market. Keywords: Analysis, external, factors, PT Telkom.  

The company's reputation is an intangible asset that is very valuable for public companies in the midst of capital market developments. Therefore, the implementation of risk management is needed to mitigate the reputational risk that arises. This study aims to provide an overview of the analysis of reputation risk management at PT Jasa Marga (Persero) Tbk. The results of the discussion analysis can be concluded that in the period 2018 to 2020 PT Jasa Marga has experienced reputational risk and has been responsively handled by reputation risk management. The existing problems tend to be related to negative publicity and misunderstandings with the media regarding news of construction services, toll road operations, as well as the extent to which projects operate and services are successfully implemented. Mitigation efforts in risk management as a whole intersect with increasing clarification, updating information, as well as building a communication network with the media, optimizing the role of the media, and building a media partnership network. The outputs of this research are the results of the Reputation Risk Management Analysis at PT Jasa Marga and scientific articles in national journals/seminar proceedings

This research is aimed at obtaining empirical data regarding the subject teacher's perspective on the guidance and counseling teacher's professional profile in relation to the guidance of counseling ethics. The data collection was carried out by reviewing the literature using the Systematic Literature Review (SLR) through the PRISMA rules systematically. The conclusions of this study indicate that the perspective of subject teachers (subjects) regarding the profile of the counseling teacher profession from the affective and cognitive aspects has a positive response of 70%, and the conative aspect has a positive response of 66%. Judging from the BK ethical principles, the BK teacher has complied with several of them: respecting students' decisions, notifying the boundaries of the relationship between himself and students, not discriminatory, not imposing values, not divulging students' secrets, and not establishing a double relationship. However, this does not rule out the fact that there are still many guidance and counseling teachers in the field who violate the guidance and counseling code of ethics, such as not having a professional license recognized by ABKIN, not having a graduate of the Counselor Professional Education or guidance and counseling bachelor degree, and not having the insight and compatible skills in the field of guidance and counseling.

This study aims to determine the effect of Workload, Work Communication, Work Environment, on Employee Morale in the Cold Storage Industry in Juwana City. This study used a nonprobability sampling research method with a purposive sampling method. The population used in this study were all employees working in the Cold Storage Industry in Juwana City and the sample used was 110 employees. This study uses a nonprobability sampling research method with a purposive sampling method (saturated sampling). Data analysis in this study used the technique of Multiple Linear Regression Analysis with the statistical package for the social sciences (SPSS) program. The results of the analysis and discussion show that the variables Workload, Work Communication, Work Environment, have a direct effect on Employee Morale. The Variable of Work Communication partially has no positive and significant effect on Employee Morale. Variables Workload, Work Communication, work environment simultaneously have a positive and significant effect on Employee Morale in the Cold Storage Industry in Juwana City.

The quality of hospital services will affect patient satisfaction and also their loyalty in using these facilities and the rapid development of health services currently requires hospital managers to run their business well. in the hospital. This study uses the method of literature review (literature review) with search engines used in literature searches including Google Scholar and Research gate with the keywords Service Quality Improvement, Lean Six Sigma, Hospitals. The resulting articles were selected based on publications published between 2018 and 2023. The results showed that the application of lean six sigma in hospitals in improving the quality of their services can be carried out through the DMAIC (Define, Measure, Analyze, Improve, Control) approach. The conclusions of this study indicate that the application of lean six sigma can reduce difficulties, increase speed, and separate activities that have added value or value added from activities that have no added value or non-value added in hospitals, such as improving service quality by setting priorities by according to the highest gap required by the patient.

The purpose of this study was to determine the effect of the variable Quality of Service which consists of Reliability (X1), Responsiveness (X2), Assurance (X3), Empathy (X4), Physical Evidence (X5) to influence simultaneously or partially on Consumer Satisfaction at J&T Express Drop Point Modang Tanah Grogot. The hypothesis in this study is that it is suspected that the service quality variables consisting of Reliability (X1), Responsiveness (X2), Assurance (X3), Empathy (X4), Physical Evidence (X5) have an effect on Consumer satisfaction (Y) at J&T Express Drop Point Modang Tanah Grogot. The results of the validity test of 26 questions, all have a value of rcount>rtable, which means that all questions are declared valid. Based on the results of the reliability test, the value of Cronbach's Alpha was obtained > 0.80 (0.949 > 0.80). So all questions are declared reliable. Based on the results of the analysis of the regression equation, Y = 33.126 + 0.239(X1) + 0.128(X2) + 0.185(X3) + 0.166(X4) + 0.207(X5) The correlation coefficient (R) is 0.899, which means that the correlation is very strong between service quality consisting of Reliability (X1), Responsiveness (X2), Assurance (X3), Empathy (X4), Physical Evidence (X5) with Consumer satisfaction (Y). While the value of the Coefficient of Determination (Adjusted R2) is 0.798, which means service quality (X) can explain consumer satisfaction (Y) at the J&T Express Drop Point Modang Tanah Grogot of 79.8% while the rest is explained by other factors not examined at (100 – 79 .8) % = 20.2%. The results of the simultaneous F test show that the quality of service influences simultaneously (together) on consumer satisfaction with Fcount > Ftable or states that Fcount is 79.174 > Ftable is 2.31 and the significance is 0.000 <0.05 so Ho is rejected and Ha is accepted. Partially the reliability variable (x1) has a partial effect on customer satisfaction (Y) with a count of 2.900 > ttable 1.98552, Responsiveness (X2) has no partial effect on customer satisfaction (Y) with tcount 1.617 < ttable 1.98552, warranty variable ( X3) has a partial effect on consumer satisfaction (Y) with tcount 2.202 > ttable 1.98552, Empathy (X4) has no partial effect on consumer satisfaction (Y) with tcount 1.904 < ttable 1.98552, ) physical evidence variable (x5) has a partial effect on consumer satisfaction (Y) with a calculation of 3.845 > ttable of 1.98552. So from these results it is known that the dominant variable is physical evidence (X5) because it has the largest tcount value of 3.845, then Ho is accepted and Ha is rejected.  

Chronic energy shortage in pregnant women can have a number of consequences significant negative impacts on the health and development of the mother and the fetus. The study aims to analyze the impact of chronic energy deficiency on pregnant women based on an overview of the existing literature. The study involved analysis and synthesis of a variety of reliable sources that included scientific research and related health reports. Results of literature reviews suggest that chronic energy deficiency in pregnant women can lead to a variety of health problems. Pregnant women who experience chronic energy shortages have a higher risk of experiencing persistent fatigue, unwanted weight loss, and a decrease in physical strength. In addition, chronic energy shortages can also cause problems on the mother’s immune system, increase the risk of infection, and affect the body’s ability to recover after childbirth. To raise awareness about the dangers of chronic energy shortages on pregnant women, further research is needed to understand the underlying mechanisms and the effectiveness of appropriate interventions. Thus, this information can be used to improve prenatal care and provide the necessary support for pregnant women to ensure optimal health and development for the mother and fetus.

Problems of learning often happen, especially when implementing it in class. The problem in spesific is lack of learning time for practical material in arts and culture-based subjects. This makes the skills that students have cannot be identified and perceived well by the teachers. Students are required to be able to understand theoretical material and practice their abilities as psychomotor values ​​within 3 hours of lessons. The amount of time was too short to sharpen their skills. So video media-based group vocals are a solution that is able to overcome obstacles that occur in the learning process during the co-19 pandemic. This research was conducted using the experimental method type One – Shoot Case Study) in class IX SMP, the test results were analyzed by the t-test and the percentage illustrated in the form of a pie chart. The process of compiling these learning media is able to help students understand the material provided, re-study the material while at home, and sharpen their skills with their colleagues. The material was prepared by involving the local cultures of Aceh for students of Javanese, Batak and Chinese ethnicity via online, it proves that students are more creative and innovative, not only able to sing in a vocal group but also dance and performing theater talents in one group task as well, so that the covid-19 pandemic 19 does not hinder students’ learning process.

The rapid development of the Haji and Umrah Travel Bureau industry at this time requires that a Haji and Umrah travel agency company must have the ability to compete. To address this, every Haji and Umrah travel agency company is required to improve its strategy in marketing its products. Because the implementation of an effective marketing strategy is one of the ways in which companies can distribute Haji/Umroh package products that suit the needs and demands of pilgrims. The purpose of this research is to analyze the marketing strategy for Haji and Umrah package products at Rizkia Tour & Travel Bukittinggi Branch. This study uses qualitative methods and belongs to field research with semi-structured interviews and documentation as data collection techniques. The findings from this study are that prospective pilgrims and Umrah pilgrims make choices about Umrah and Haji packages with considerations such as the type of Haji/Umrah packages, affordable Umrah and Haji package prices, comfort while traveling Umrah/Haji and so on.    

Sharia financial instruments continue to increase every year, including the Islamic capital market which has also experienced a significant increase. The Islamic capital market has one of the most important instruments, namely Islamic stocks. The capital market has been viewed by the world and has been used as an important instrument that every country must develop, it can be remembered for its important role in helping the economy. In writing this article using the library research method. By using the documentation data collection method, namely by quoting or recording directly from the website of the Financial Services Authority www.ojk.go.id and the Central Bureau of Statistics www.bps.go.id. The results of this study show that the strong and increasing role of the Islamic capital market in shaping the capitalization of the Indonesian capital market indicates that the Islamic capital market plays an important and significant role in driving the rate of economic growth in Indonesia.

Sexual harassment, which jeopardizes human rights and poses a threat to individual’s well-being within society, is a type of violence. The increasing prevalence of sexual harassment cases has become a crucial societal concern, as it can transpire indiscriminately. This study intends to elucidate how Pancasila is implemented to address sexual harassment in the community. Pancasila, as the fundamental principles of the Indonesian state, encompasses pertinent values such as justice, unity, equality, and humanity, which serve as a foundation for combating sexual harassment. The research methodology employed entails a literature review incorporating library studies.

Dividend distribution by companies listed on the Indonesia Stock Exchange is a consideration of investors in making investments. Dividend policy considers how much dividends will be paid, the frequency of dividend payments, and the method of dividend payments, both in cash and in the form of stock dividends. The decisions of these investors affect the price of shares on the stock exchange. The market price of a company's shares formed between buyers and sellers during a transaction is called the company's market value, because the price on the stock exchange is considered a reflection of the real value of the company's assets. The stock price in the market shows the performance of the company. This study shows the relationship between dividend policy and PBV which reflects company performance. By using quantitative research methods. It can be concluded that dividend policy affects PBV..    

The development of information technology supported by the rapid use of the Internet has created a number of fintechs that will make it easier for people to access financial services digitally. The aim of this research is to know the role of fintech against financial inclusion in UMKM in Banyumas. This research uses the method of literature study, by exploring and examining the results of previous research findings. The results of this research explain that financial technology can have a positive impact in increasing inclusive finance on UMKM in Banyumas.