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Digital currencies can now be utilized by people in various countries, including Indonesia. The Commodity Futures Trading Supervisory Agency (Bappebti) noted that as of November 2023, the number of registered crypto asset customers reached 18.25 million. Every month it has a growth of 437.9 thousand customers calculated since February 2021. The problem in the study, how is the use of crypto assets in Indonesia for investment and transaction purposes in Indonesia.The purpose of the study, to analyze the use of crypto assets in Indonesia for investment and transaction purposes in Indonesia.  This research is normative juridical, legal material collection techniques using library research. Data analysis technique, by collecting data, analyzing data, followed by drawing conclusions. Every transaction uses a currency benchmark. The definition of currency is money issued by the Unitary State of the Republic of Indonesia, hereinafter referred to as Rupiah. It is money that is a legal tender. Article 2 of Bappebti Regulation No.5 of 2019 concerning Technical Provisions for the Implementation of the Crypto Asset Physical Market on futures exchanges, crypto asset trading must be based on legal certainty. Conclusion, that crypto assets in Indonesia can be used as a means of investment for the community. with provisions in accordance with the Minister of Trade Regulation Number 99 of 2018. Buying and selling crypto can only be done on the futures exchange.

Blockchain, originally developed as the technology behind cryptocurrencies such as Bitcoin, has gained attention for its potential to revolutionize cybersecurity. It offers a promising solution to the vulnerabilities of centralized systems by decentralizing data storage and implementing advanced encryption techniques. Blockchain technology and cryptocurrencies have presented significant challenges in the realm of cyber law to regulate them in the future, varying blockchain and crypto regulatory approaches in various countries, including regulations on crypto exchanges, ICOs, and compliance with anti- money laundering ( AML) regulations. and getting to know customers (KYC). explores the issue of data protection in blockchain transactions and i ts implications for cyber law, as well as the legality and enforcement of smart contracts. the impact of cryptocurrency use on cyber law, including challenges in tax compliance, law enforcement, and consumer protection. In the midst of various complexities regarding the direction of regulation of blockchain technology and cryptocurrencies in cyber law. with blockchain technology and cryptocurrencies and prepare views to face future challenges.

Financial management is a field of management related to planning, examining, controlling, managing and storing activities carried out by individuals, organizations or companies. The importance of understanding financial management strategies well is not only for workers who already have income, but also for students who will one day enter the workforce and will have their own income. Community service activities with the theme "Financial Management Strategies for Students" carried out at SMK Bina Patriot located in Bekasi were carried out through a seminar method by presenting speakers from lecturers and students. This activity was attended by class XII participants as many as 45 participants. With this seminar, it is hoped that students can understand the importance of planning, managing, and investing their money wisely so as to avoid financial problems in the future. Based on the results of a survey conducted as feedback on this activity, it can be seen that 64.3% of participants stated that this seminar was very useful

Online loans are financial assistance from financial institutions that is done online, which is one proof of the advancement of financial technology (fintech). Online lending or peer to peer lending as a form of financial technology (fintech) is a technological advancement that offers loans with easier and more flexible terms and conditions. The theory used in this research is the theory of legal legality. The theory of legal legality is very relevant to the research made here, because there needs to be legal legality of peer to peer lending in online loans in conventional law considering that the payment system in this illegal online lending and borrowing service has troubled many people, such as intimidative billing, dissemination of personal data, fraud, and sexual harassment through electronic media. The research method used is qualitative descriptive research. The data collection technique or instrument used is library research by studying various books as literature, official documents, laws and regulations, results of previous research, and other literature sources related to the problems studied. The legality of fintech peer to peer lending online loans in the aspect of conventional law is found in the Financial Services Authority Regulation Number 77/POJK.01/2016 concerning Information Technology-Based Money Lending and Borrowing Services, Law Number: 8 of 1999 concerning Protection of Consumer Protection and Law Number: 11 of 2008 concerning Information and Electronic Transactions and other applicable regulations.

The high purchasing power of society and within lengthy periods will cause the state falls into inflation. Inflation has its influence on domestic savings. Hence, the government tries to limit the amount of money which circulates and reduces inflation risk by offering higher interest rates for the people who deposit their money in national banks. The socialization program of early saving is carried out with the purpose of creating national program in creating a generation who isable to manage their finances well. Other than that, the program hopefully has the ability to leverage the interest in saving for children. The children may develop the habit into an insurance for their later life, and autonomously learn to save and to be responsible in managing the money,hence the goals of the program.Teaching the children to save early may also develop positive personality; to save means teaching the children how to be patient, and saving is useful for future savings.

This study aims to determine the criminal law policy in the return of state financial losses in the form of replacement payments by corruption convicts and to determine the efforts made by police investigators in overcoming obstacles to the return of state financial losses in the form of replacement payments by corruption convicts. The method used in this study is a qualitative method, with a normative legal approach as the main approach and empirical legal as a supporting approach. The data sources in this study were obtained from secondary data as the main data and primary data as supporting data. Furthermore, the data were then processed using qualitative methods. The results of the study obtained information that the criminal payment of replacement money has been regulated in Law No. 31 of 1999 concerning the Eradication of Corruption as amended by Law No. 20 of 2001. The amount of replacement money payment is the same as the assets obtained from the crime of corruption. If the replacement money is not paid, the convict is sentenced to imprisonment for a period not exceeding the maximum threat of the principal sentence. Therefore, the return of state financial losses cannot be optimal. The amount of compensation for state financial losses needs to be increased, by confiscating and seizing the perpetrator's assets/wealth. The Asset Confiscation Law needs to be formed as a legal basis for confiscating assets from corruption.

This research aims to analyze the effectiveness of the mixed economic model in controlling financial system stability in 7 emerging market countries. Where the monetary policy variables are the money supply and interest rates. Then the microprudential variables are Return On Equity and Return On Assets, the macroprudential variables are Capital Adequacy Ratio and Non Performing Loans. The financial system stability variables are the inflation level and exchange rate. The data analysis model in this research is the Simultaneous model. This research uses secondary data or time series, namely from 2019 to 2023. This analysis is significant for controlling the financial system by ensuring the data meets normality assumptions through the Jarque-Bera test, which allows for more precise financial planning and risk management decisions. The absence of autocorrelation effects, as proven in the residual test, also strengthens the reliability of the model in understanding market trends. The Two-Stage Least Squares method in simultaneous regression analysis provides in-depth insight into the relationship between economic variables such as the inflation rate and the exchange rate, supporting effective economic policy making. Understanding the elasticity of key variables to the inflation rate and exchange rate is also important for optimizing risk control strategies and financial resource allocation.

In a competitive business environment, understanding customer behaviour and improving retention strategies are critical to a company's success. Many companies struggle to identify valuable customers, understand their needs, and develop effective marketing strategies. One method that has proven effective is Recency, Frequency, and Monetary (RFM) analysis, which measures customer value based on three dimensions: when the customer last made a purchase, how often they transact, and how much money they spend. This research focuses on applying the RFM method with Python for customer segmentation in a retail company. By analysing customer transaction data, this research shows how RFM analysis can provide deep insights into customer behaviour and assist in the development of more targeted marketing strategies. The ultimate goal is to improve customer retention and maximise the return on investment (ROI) of marketing activities. This research offers practical solutions to common challenges in customer relationship management and contributes to the development of more efficient data-driven marketing methods.

The existence of the Council's Honorary Court as a supporting tool is contained in Article 119 of Law Number 17 of 2014 concerning MD3 in conjunction with Law Number 2 of 2018 concerning MD3 in conjunction with Law Number. 13 of 2019 concerning MD3. That the Council's Honorary Court was established by the DPR with the aim of maintaining and upholding the honor and dignity of the DPR as a representative institution of the people. That the implementation of the Election which is carried out directly is a manifestation of the implementation of democracy which is a manifestation of the sovereignty of the people. In the election, violations of the law were found as regulated in Law Number 7 of 2017 concerning Elections. That election crimes are a form of violation of the law related to acts of falsification of documents, money politics and there is also intimidation of voters and others. That these actions are alleged violations of election crimes because they are contrary to laws and regulations. That to ensure the existence of an election crime, it must go through a court process with a judge's decision, which must first be processed by the Gakkumdu Center, which is an element of Bawaslu, the National Police, and the Attorney General's Office of the Republic of Indonesia. That if proven to have committed an election crime as stated in the district court decision, the legislative candidate has committed an ethical violation, although this must be processed legally in accordance with the mechanism regulated in the DPR Council's Ethics Court, namely referring to the MD3 Law, Regulation of the People's Representative Council Number. 1 of 2015 concerning the Code of Ethics of the People's Representative Council of the Republic of Indonesia and Regulation of the People's Representative Council Number. 2 of 2014 concerning the Procedures of the Council's Ethics Court.    

Corruption originates from the Latin word corruptio, which was used by Aristotle in his book degeneratio et corruptione It means change or deterioration and has no connection to power or money . Corruption offenses fall under the category of special criminal acts, thus requiring specific measures to eradicate them Indonesian positive law regulates the eradication of corruption offenses in Law Number 31 of 1999 as amended by Law Number 20 of 2001 concerning the Eradication of Corruption Offenses. Corruption is an extraordinary crime; its impact can harm democratic values, morality, national finances, and violate social and economic rights of the community It also poses a threat to the aspirations towards a better society. The factors that cause corruption are as follows: (1) Individual behavior, (2) Political factors, (3) Economic factors, (4) Legal factors, (5) Social factors This study aims to understand and provide information about corruption, types of corruption, and the factors that cause corruption in general.

Guardianship is the authority in the maintenance and supervision of minors, who are not under the authority of their parents and the management of the objects or assets of the child that have been regulated by law. In the implementation of child guardianship there are procedures that regulate it, but in reality the Eugene Schmitz Orphanage implements the rules in its own way. The formulation of the problem: (1) What are the procedures for child guardianship at the Eugene Schmitz Orphanage in Lewoleba Timur Village based on civil law? (2) What are the rights and obligations of the parties in the implementation of child guardianship at the Eugene Schmitz Orphanage in Lewoleba Timur Village based on civil law? (3) What are the inhibiting factors in the implementation of child guardianship at the Eugene Schmitz Orphanage, Lewoleba Timur Village?. The objectives of this research are: (1) To Know the Procedure of Child Guardianship at the Eugene Schmitz Orphanage in Lewoleba Timur Village Based on Civil Law. (2) To Know the Rights and Obligations of the Parties in the Implementation of Child Guardianship at the Eugene Schmitz Orphanage in Lewoleba Timur Village Based on Civil Law. (3) To find out the inhibiting factors in the implementation of child guardianship at the Eugene Schmitz Orphanage in Lewoleba Timur Village. The benefit of this research is to add information for the government to better supervise guardianship procedures and add information to the public to find out the child guardianship procedure. The method used in this research is empirical juridical legal method. The results showed that: (1) The procedure for implementing child guardianship at the Eugene Schmitz Orphanage applies its own rules which are simple, straightforward, do not require a lot of money and do not require a long time so that both the orphanage management, caregivers and children who enter know about the procedure and help parents in the administrative process. (2) The rights and obligations of the parties to the Orphanage arise as a result of the responsibility for their respective roles, although it has been well implemented, in fact there are problems that arise resulting in unbalanced rights and obligations. (3) The inhibiting factors experienced in the implementation of guardianship are ignorance of guardianship procedures, lack of entry requirements and children who enter without biological parents. The conclusions in this study are (1) The child guardianship procedure at the Eugene Schmitz Orphanage does not apply the rules in accordance with the Provisions of the Law. (2) The rights and obligations of the parties are balanced as a result of responsibility for their respective roles. (3) The inhibiting factors in the implementation of guardianship are ignorance of procedures, lack of files/documents and unclear identity of the child. The author's suggestion is the need for socialization from the government to orphanage administrators and the community regarding child guardianship procedures in accordance with the provisions of the Law.

This study aims to analyze the effectiveness of monetary policy in controlling inflation in Indonesia. It uses variables such as inflation, money supply, economic growth, interest rates, exchange rates, and the consumer price index. The data analysis model in this study uses Vector Autoregression (VAR), as seen from the Impulse Response Function (IRF) and Forecast Error Variance Decomposition (FEVD) analyses. This study uses secondary data from 2000 to 2023. The VAR results show that in the short, medium, and long term, inflation has a significant effect on the consumer price index in the short, medium, and long term. The money supply in the short term is influenced by the consumer price index, while in the medium and long term, the money supply is influenced by inflation.

White-collar crime has developed to a transnational level that no longer recognises the territorial boundaries of the state. The form of crime is also increasingly sophisticated and neatly organised, making it difficult to detect. Criminals always try to save money from their crimes through various means, one of which ismoney laundering. In this way, they try to launder illegally obtained money into a form that looks legal. With this laundering, criminals can hide the true origin of the funds or money from the crimes they commit. This research is focused on library studies or document studies, because this research is mostly carried out on secondary data, and Primary Data as a complement, the data to be obtained in this study are collected by means of: Library research The library material referred to consists of primary legal materials, namely laws and regulations related to the title of this research and the Criminal Code. Similarly, secondary legal materials are studied in the form of scientific works of experts including research results (including theses and dissertations) related to the title of the researcher and using Qualitative Data.

Al-Amien Prenduan Islamic boarding school issued a new breakthrough in an effort to prevent corruption and theft. Everything that is done by the Al-Amien Prenduan Islamic boarding school aims to instill the value of Islamic education to female students. Since 2019, TMI has required all its students to use digital money in buying and selling transactions. Where parents send money not in the form of cash but through (virtual accounts) so that students use fingerprints in buying and selling transactions.In this study, researchers used a descriptive qualitative approach. To find out about the implementation of non-cash transactions in order to increase the internalization of Islamic educational values at the TMI Putri Al-Amien Prenduan Islamic boarding school. Data collection techniques include observation, interviews and documentation.The results of this study are honest attitude, patient attitude, not wasteful, thrifty and mandate is a form of instillation of Islamic educational values in non-cash transactions.as for internal and external support is a supporting factor while the lack of knowledge of student guardians related to the fingerprint system makes student guardians do not limit remittances every month.

The aim of the research is to evaluate the effect of using non-cash payment instruments on the demand for currency in Indonesia. Time series data is used in the time period 2009 to 2023 with monthly observations. The analysis approach uses the Error Correction Model (ECM) to assess the correlation between variables in the short and long term. The estimation results confirm that the use of ATM/debit cards has a positive and significant impact on the need for currency, both in the short and long term. In contrast, credit card use shows a negative and significant impact on the need for currency in both time periods. Meanwhile, the use of e-money does not have an impact in the short term, but has a positive impact in the long term on the need for paper money in Indonesia. Therefore, this research suggests that Bank Indonesia should encourage more use of electronic payment tools to encourage people to reduce the use of currency, and promote the concept of a society that uses less cash (less cash society).

Economic literacy is an individual's ability to understand, analyse and use economic information in everyday life. And the price of goods is the amount of money that must be paid by consumers to obtain a good or service. The purpose of this service activity is to educate the concept of economic literacy and the price of goods in the Sampe Cita village household business group. The method of implementation is through lectures, questions and answers, problem discussions, which then evaluate the productivity of the household business group in question. What is a follow-up in this service activity, in addition to evaluating the productivity of the Sampe Cita village household business group, there will be a next stage of educational activities on different concepts as a provision of understanding if it is still a problem in order to increase the productivity of the business group. Thank you to the Village Head and Village Officials who have supported the implementation of this service activity and it is hoped that they will always support the service activities in the next stage.

Money politics is a gift or promise to bribe someone so that the person does not exercise their rights in a certain way during the general election. The purchase can be in the form of goods or money, as found by researchers regarding the phenomenon of money politics which is still widespread in three regions, namely , Kijang Bintan, Kawal Bintan, and Lingga, people who are still relatively ignorant and have economic constraints are one of the factors in society being entangled in giving and receiving political money. Apart from damaging democracy due to forms of fraud, this problem has a negative impact on the givers and recipients who have clearly violated the provisions of the election law and violated criminal provisions. However, this problem is still difficult to resolve due to the lack of supervision and firm action. This research uses empirical legal research. This research is a legal research method that uses empirical facts taken from people's behavior, both verbally obtained from interviews and behavior carried out through direct observation. The theory used in this research is not to use critical legal theory, in order to find the problems that occur, as well as reveal how much the public understands money politics. So from these problems it can be drawn with the title Review of Community Understanding of Money Politics

Road maintenance or upkeep is not an easy problem to do because it requires quite a large amount of money. This is what causes the government to appear slow in repairing road damage so that the damaged roads become worse and wider. In reality, so far the government has carried out road maintenance and repairs when the road was in a condition that was in serious disrepair, so it is certain that the costs required will be very large and it can also be ascertained that the losses suffered by road users while the road is damaged, are also very large. big or even worthless. However, in implementing the preservation program, proper management is required so that the preservation program can be carried out effectively and efficiently. The aim of this research is to determine the type of damage found on concrete roads in Maluku Village, Kec. Maritengngae District. Sidrap along 2 km and technical study of concrete road maintenance program in Maluku Village, District. Maritengngae District. Sidrap along 2 km. The results of the research show that the damage on the concrete road in Maluku Village, Kec. Maritengngae District. Sidrap has patch damage, edge damage, cracks, transverse cracks, longitudinal cracks and holes. The most dominant damage is damage to holes and damage to roads on the concrete road in Maluku Village, Kec. Maritengngae District. Sidrap has 2 types of treatment, including Periodic Maintenance and Routine Maintenance Program. And handling the most dominant type of damage from STA 0+000 to 2+000 is a routine maintenance program of 100%.

Joint assets are property acquired by a married couple, husband and wife can act on their joint assets with the consent of both parties. Marital Property Law has an important position in family life even when the marriage is still ongoing. In an activity regarding money loans at a bank, there is usually a handover of debt guarantees provided by the debtor to the creditor. In this case the debtors use joint assets as collateral for their credit agreement. The purpose of writing this thesis is to determine the legitimacy of using joint assets as collateral and the status of these joint assets by analyzing various sources of applicable law in Indonesia. In this analysis, it was found that joint assets used as collateral for credit cannot be processed in terms of assets back and forth until the obligation debt of debtors is completed.

This paper discusses the relationship of electronic money transactions on Internet users in Indonesia, main of the indications of fintech utilization. This study analyzes the trends of development of the volume and value of electronic money transactions as well as the increase of internet users in Indonesia. Data were collected from 2008 to 2020. The analysis is carried out using an polinomial trend analysis. Correlation test was also conducted on the electronic money transactions and data of Internet users and its growth rate. The analysis showed that electronic money transactions and internet users growing polinomially. The strong correlation was found between internet users and GDP and also electronic money transactions. It was also found that the growth of internet users affects the growth of the value of e-money transactions, while the growth of GDP affects the growth of the volume of e-money transactions. These findings signifies the growing enthusiasm for embracing fintech in Indonesia.