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In the perspective of Islamic economics, there are only 2 functions of money, namely money as a unit of value and money as a medium of exchange. There are 4 functions of money in a conventional economic system, namely money as a unit of account, money as a unit of exchange but in a conventional economic system, money does not only function as a valid medium of exchange but also as goods that can be traded or to make a profit, money as a storage unit. value, money as the standard unit of payment in the future. This study aims to find out how the perceptions of the Bukittinggi community regarding the function of money from an Islamic economic perspective. The type of research used is descriptive qualitative research. The research informant is the Muslim community of Bukittinggi City. Data collection is done by documentation, observation and interviews. The data analysis technique used is data reduction, data presentation, and drawing conclusions. From the results of research conducted by researchers, it was found that most people's perceptions about the function of money are in line with Islamic economics, but a small number have perceptions that are not in line with Islamic economics because they think that money can be used as a tool for personal gain. This is contrary to the concept and function of money in Islam.

QRIS is a non-cash payment instrument in the form of a QR code developed by Bank Indonesia and the Indonesian Payment Association. With the existence of QRIS, Bank Indonesia hopes to facilitate public transactions and not be left behind by technology. As a Muslim community, especially in Pasar Atas, Bukittinggi, we must understand how the law uses QRIS. because everything we do must be based and not deviate from the teachings of Islam. The aim of this research is to find out how the effectiveness of using the Quick Response Code Indonesian Standard (QRIS) in buying and selling transactions at Pasar Atas Kota Bukittinggi is viewed from an Islamic economic perspective. This type of research is a qualitative descriptive method by collecting data through interviews with traders and buyers who shop at Pasar Atas Kota Bukittinggi. The results of this study indicate that QRIS users receive many benefits, such as facilitating transactions, not having difficulty finding small money, reducing the spread of counterfeit money, not reducing the value of money and there are still many benefits received by QRIS users. Therefore it can be said that QRIS is more effective.

This study uses a quantitative type approach to examine certain populations or samples. Data collection uses research instruments and data analysis is statistical in nature, with the aim of testing the hypotheses that have been set. In this study the population is tourists who have visited Lake Toba at least once. as. The samples in this study consisted of 140 samples. The results of the study show that the fairness of prices has a large influence on the trust and satisfaction of Lake Toba tourists. because at a reasonable price, visitors will feel they don't need a lot of money to visit Lake Toba. In addition, tourist facilities also have an influence on tourist satisfaction. That's because with the availability of facilities on Lake Toba, tourists will feel happy and comfortable. With the availability of facilities, tourists will feel that visiting Lake Toba will be more interesting and enjoyable. so it is concluded that the fairness of prices and tourist facilities greatly have an influence on the trust and satisfaction of Lake Toba tourists.

To maintain its status as an NGO-based social institution (non-governmental organization), quality management means that it is an important element of serving donors in general and mustahik in Empowered Village, especially as a result of which the process of collecting and disseminating synchronously using donor desires becomes effective. The management of Productive Zakat is carried out by the management and staff of the Indonesian Zakat house amil zakat institution. This research was conducted to thoroughly examine how Rumah Zakat Indonesia implements productive zakat management using the aim of improving the welfare of residents.  Management of services in terms of collection, collection of donor data, collection of mustahik data, and increasing the standard of amyl to the point of distribution of zakat money in sync with institutional events.  This study uses narrative qualitative methodology, using the author's primary research sense, meaning observation and interviews. As per the findings of the author's research,.  

Online Single Submission (OSS) is an application that functions to make business licenses or business legality online for both micro, medium and large scale businesses. As a form of empowering MSMEs in the Bareng Village, the authors carried out socialization activities regarding the importance of having a business legality or in this case a Business Identification Number (NIB) and also conducted a survey of every MSME actor in the Bareng Village. The purpose of this research is to make it easy for business owners to obtain capital assistance in the form of supporting or supporting tools, capital money, and business development funds. Apart from being used as a business identity, NIB ownership is what brings benefits to business owners. This study uses a qualitative method by surveying every MSME actor and also using a quantitative method. The results of this study explain that NIB can stimulate MSME products so that they have an identity to be recognized by the wider community so that they can prosper MSME actors.

This study aims to analyze the amount in circulation and interest rates on inflation in Indonesia. Based on the source, the type of data in this study is secondary data, because the data collected is data in the form of numbers or numbers. The data used is quantitative data from January 2016 to December 2021 with this research conducted in Indonesia. This research is a qualitative descriptive study with a literature method through literature studies supported by secondary data obtained from Bank Indonesia and the Indonesian Central Bureau of Statistics. The results of this study explain that the money supply and interest rates affect the high and low inflation that occurs in Indonesia.

The research aims to find out the history of development and monetary policy of the Central Bank of Indonesia in financial stability. This type of research is descriptive qualitative research with a literature study research method through literature study. The results of this study explain that the Central Bank is an institution that has an important role in the economy of a nation, especially in the fields of monetary, finance and banking. The purpose of the central bank as stated in the Indonesian Law No. 23 Year 1999 Chapter 3 Article 7 is to achieve and maintain rupiah stability. Another role of Bank Indonesia is in terms of channeling money, especially currency or paper and metal where Bank Indonesia has the sole right to distribute currency. Bank Indonesia has three pillars which are its three areas of duties: setting and implementing monetary policy, regulating and maintaining a smooth payment system, and regulating and supervising banking in Indonesia.

Credit in Article 11 of Law Number 10 of 1998 refers to the provision of money or the equivalent thereof in the form of a bill, based on the agreement and mutual understanding between the two parties, namely the Debtor and the Creditor, with the obligation for the Debtor to repay the debt and interest obligations that have been determined. Before credit is granted to the debtor, the creditor will conduct a field survey regarding the debtor's financial activities until all conditions are deemed fulfilled, in order to avoid default issues in the credit agreement between the two parties. There are many ways to resolve default cases, and in BPR Surasari Hutama, resolving default issues in Credit Agreement No. B.28613/2019 that occurred in March 2019 with the guarantee of ownership documents of a 2005 Hyundai Excel motor vehicle was done by providing a multipurpose credit loan of Rp 15,000,000. It can be said that the loan became delinquent because the debtor did not have good intentions to repay the debt, resulting in an outstanding balance of Rp 9,800,000, and fled with the object provided as collateral. This study aims to understand the resolution of default in Multipurpose Credit with Motor Vehicle Ownership Documents as collateral and to determine that the creditor does not immediately execute the object but rather issues verbal or written reminders, such as Collection Letters or Warning Letters, in accordance with Bank Indonesia Circular Letter No. 26/4/BPPP dated May 29, 1993, and adheres to OJK regulations and Bank Indonesia Regulation No. 7/2/PBI/2005 dated January 20, 2005 regarding Restructurable Banking Credit.

Referring to the modern lifestyle, to carry out a wedding, there are many needs that must be prepared, so it takes a lot of time and costs quite a lot. Many vendors provide party needs, but do not provide all needs in one area. So that the bride and groom need more time, energy and money to go to different places to meet all the needs of the party, the interior design of this Wedding House adopts a concept with the title "Personal White". This concept is based on the western cultural wedding concept which predominantly uses shades of white, where white symbolizes the purity of marriage. The character that appears in the interior design of this wedding house is elegant, graceful, clean, orderly and simple. With a combination of American style and character that emerges from each retail area, visitors can feel a different impression from other existing wedding services. This wedding house design includes retail areas such as consultation area, photography area, lighting area, bridal, salon, and accessories area.

This study aims to find about: (1) fintech service in the mobile banking-based non-cash payment system (Muamalat-DIN) at Bank Muamalat KCP Lamongan: (2) implementation of fintech in the mobile banking-based non-cash payment system (Muamalat-DIN) at Bank Muamalat KCP Lamongan. This study uses a descriptive qualitative research method. The results of this study are: (1) fintech services in the non-cash payment system in Muamalat-DIN are transfers, QRIS, credit top-ups, internet credit top-ups, electronic money top-ups, google play voucher codes, spotify premium, postpaid credit payments, PLN electricity, Telkom, cable TV, PDAM, IPB campus education payments, airplane tickets, ZISWAF, family takaful, BPJS employment, BPJS health, SAMSAT/SIGNAL, BPJPH, virtual accounts, multi payments, and hijrah pensions (DPLK); (2) the implementation of fintech at Bank Muamalat varies, there are Muamalat-DIN, phone banking, internet banking, MADINA, online share-e debit, and ATMs. The most popular Fintech at Bank Muamalat KCP Lamongan is Muamalat-DIN. In Muamalat-DIN, customers of Bank Muamalat KCP Lamongan often use services in the form of transfer, QRIS, credit top-ups and internet credit top-ups, electronic money top-ups, payment services such as PLN electricity, Telkom, PDAM, ZISWAF, BPJS for employment, BPJS for health, virtual accounts, and hijrah pension (DPLK). This fintech implementation has benefits for banks and customers, the benefit for Bank Muamalat KCP Lamongan is that it will have a wider reach, operational and marketing costs are more economical. And the benefits felt by customers are that transactions are easier, faster, accessible 24 hours because access is via a smartphone, and customers don't need to carry a lot of cash everywhere.

Financial institutions appear in the economy when money has become a medium of exchange for buying and selling. Initially, this institution only served as a connecting vessel for buying and selling transactions. Then came the usury system. This study aims to determine whether the influence of student knowledge about usury can affect the intention to save in conventional banks at the State Islamic University of North Sumatra. The researcher uses a qualitative method with a descriptive approach in which the researcher uses field research by interviewing 10 informants, namely students at the State Islamic University of North Sumatra who have savings at conventional bank ATMs and Islamic banks. Because what we know is that students, especially UINSU students, must have learned about usury. However, in reality in the field, almost all student respondents definitely use conventional banks, which means they are indifferent to the law of usury. Therefore, the researchers concluded that students only need to learn more about usury and apply it to everyday life.   Keywords: Financial institutions appear in the economy when money has become a medium of exchange for buying and selling. Initially, this institution only served as a connecting vessel for buying and selling transactions. Then came the usury system. This study aims to determine whether the influence of student knowledge about usury can affect the intention to save in conventional banks at the State Islamic University of North Sumatra. The researcher uses a qualitative method with a descriptive approach in which the researcher uses field research by interviewing 10 informants, namely students at the State Islamic University of North Sumatra who have savings at conventional bank ATMs and Islamic banks. Because what we know is that students, especially UINSU students, must have learned about usury. However, in reality in the field, almost all student respondents definitely use conventional banks, which means they are indifferent to the law of usury. Therefore, the researchers concluded that students only need to learn more about usury and apply it to everyday life.    

ABSTRACT The purpose of this research is to: (1) reveal whether it is true that money politics has occurred in the election of members of the Surakarta city legislature, especially in the Mojosongo Village area, Jebres, Surakarta in 2019; (2) Knowing the forms of money politics practices that occurred in the election of members of the Surakarta City legislature, especially in the Mojosongo Village area, Jebres, Surakarta in 2019; (3) Knowing the effect of the practice of money politics in the election of members of the Surakarta City legislature, especially in the Mojosongo Village area, Jebres, Surakarta in 2019 on the level of voter participation. This research was carried out in the Mojosongo Village Area, Jebres District, Surakarta City. The subjects of this study included the voting community, the chairperson or member of the winning team for legislative member candidates, and village officials in the Mojosongo Village area, Jebres, Surakarta. Sources of data using primary data sources and secondary data sources. Data collection in this study was carried out through interviews, documentation, and observation. Test the validity of the data using source triangulation and technique triangulation. The data in this study were analyzed using interactive model descriptive analysis techniques. The results of the study can be concluded that: (1) The election for legislative members in 2019, especially in the Mojosongo sub-district area, Jebres sub-district, Surakarta city, justifies the practice of money politics, which was carried out by prospective members of the Surakarta city legislature through their winning team; (2) The form of money politics given in the 2019 election for legislative members in the city of Surakarta, especially in the Mojosongo sub-district area, includes giving cash to the community, repairing existing infrastructure in the village, and providing facilities and infrastructure in the village for the benefit of the community. There is; (3) The practice of money politics in the election for members of the Surakarta City legislature in 2019, especially in the Mojosongo sub-district area, had an influence on the turnout rate of voters who were present at the polling stations, because based on the results of interviews it was found that the number of voters in the Mojosongo Sub-district area had increased.   Keywords: Legislative Members, Voter Participation, Money Politics.

Financial intelligence is an individual's ability to understand, manage, and optimize the management of personal finances. Financial mathematics is becoming an important tool in developing financial intelligence. In this research using literature study method this method involves the search and collection of information from related literature sources. Through financial mathematics, one can calculate the future value of an investment, estimate the return on an investment, calculate annuity payments, understand the concept of time value of money, and analyze investment risk. The application of financial mathematics in financial intelligence provides an advantage in taking better financial decisions and managing finances effectively. By utilizing financial mathematics, one can improve their understanding of Finance, make effective financial planning, and take better financial decisions.

This study explores the funding issue of PT. N usa BPR Cianjur in anticipation of a financial disaster. This study adopts a descriptive qualitative research style and relies on interviews and other primary and secondary data sources. The results of the analysis show that problematic financing at PT. N usa BPR Cianjur includes incorrect or money-shortening financing. Every financial organisation that offers funding aspires to keep problems at bay, but they frequently arise. In order to avoid losses when dealing with problematic financing, a financing settlement strategy must be established. Financing issues can be resolved by rearranging, rescheduling, and upgrading.

The high number of homeless people in the city of Padang is caused by economic and cultural factors in the community. The most important thing that must be considered by social services is the guidance of the homeless. Because at certain times the homeless population increases, such as on holidays, religious holidays, or in recreation centers. However, if due to the family's unfavorable economic conditions, it becomes a factor for children to go to the streets to work to help their parents. Homeless people are a city community, their presence is closely related to the environmental conditions of the children's community. Homeless people who have been netted cannot be sure that they will not take to the streets again. This is due to various reasons, such as economic needs that are still not fulfilled and there are no other activities that can generate money, forcing the child to take to the streets again. One of the programs for dealing with homeless people at the Social Service is working with Satpol PP to screen homeless people. So the guidance for families that must be carried out by social services is by empowering the family economy which creates independence, so that finally with the various coaching programs provided, both to the child and to his family it is hoped that they will not return to the streets again. The purpose of this study was to find out how the role of the Padang City Social Service in dealing with existing homeless people. Implementation of this research using descriptive qualitative method. The results of this study found how the role of the Padang City Social Service in dealing with the existing Homeless, as well as how the efforts were made and the inhibiting factors in handling the Homeless.

The aims of this study were 1) to determine the human resource management compensation system in education at MTs Nurul Huda Kempas Jaya Village, 2) to determine the inhibiting and supporting factors for the human resource management compensation system in education at MTs Nurul Huda Kempas Jaya Village, 3) to determine the implementation of the human resource management compensation system in improving teacher performance at MTs Nurul Huda Kempas Jaya Village. This type of research is field research, namely research conducted directly with the object of research and data collection is carried out in the field. Researchers are trying to uncover Public Relations Strategies in Increasing New Students at Madrasah Tsanawiyah Nurul Huda Kempas Jaya Village for the 2020/2021 Academic Year. The results of this study are (1) the human resource management compensation system in education at MTs Nurul Huda Kempas Jaya Village is all income in the form of money, direct and indirect goods received by teachers as compensation for services provided to MTs Nurul Huda Kempas Jaya Village . This compensation takes the form of salary, benefits, incentives, and benefits. (2) Inhibiting factors: delays in giving salaries because many SPP payments are in arrears and there are bailouts, there is often overtime work outside working hours so that more funds are needed for payment, employees are often absent without prior coordination so working hours are not filled by officers this results in reduced compensation. Supporting factors: not a large number of educational and educational staff so it is easier to coordinate internally. (3) Implementation of a human resource management compensation system in improving teacher performance, namely at MTs Nurul Huda Kempas Jaya Village, the provision of compensation can be said to be effective in increasing the performance of teachers and employees. Teachers feel more responsible for carrying out their duties and performance appraisals that can improve employment status can have an impact on the welfare obtained and continue to motivate teachers in carrying out their duties. The better the performance appraisal of a teacher, the increase in status and compensation received can be considered.

The binding of the parties to the construction service business is contained in the construction work contract. The construction work contract contains an agreement between the employer and the executor, which generally discusses rights and obligations. The purpose of this study is to find out how the form and content of the cooperation agreement between CV. X and PT. Cipta Wisesa Bersama, as well as find out the efforts to resolve defaults that occurred between CV. X and PT. Cipta Wisesa Bersama. The results of this study can be concluded that the cause of default is CV. X did not pay the money for the completion of the work to PT. Cipta Wisesa Bersama.    

Financial management is an administrative activity related to budget planning, storing, using, recording and monitoring the entry and exit of money or organizational funds. Inventory analysis is an activity to examine an asset issue that includes goods. Turn over inventory is the ratio between the total cost of goods sold and the average value of inventory owned by the company. in the process of managing finances and inventories, it is still carried out using a recording system in a ledger, so it is less effective. Therefore the author will develop a form of information system by selecting CV. Arris AC as research object. Based on the problems that occur in CV. Arris AC, the authors provide a solution that can overcome weaknesses by creating an Accounting Information System for Financial Management and Inventory Analysis using the inventory turnover ratio method which can be accessed via the web. In other words, this ratio describes how fast inventory rotates. web is an application that contains multimedia documents (text, images, sound, animation, video) in it that uses the HTTP protocol with database support for MySQL, Xampp and Adobe Dreamweaver CS6..   Keywords:Accounting, Financial Management, Inventory Analysis, Ratio, Web

This research uses qualitative methods with descriptive analysis techniques using library research or library research. The purpose of this study is to find out, examine and reveal problems regarding the conversion of beggars into a profession. Poverty in Indonesia has increased significantly which has been exacerbated by the COVID-19 pandemic. This has an impact on reducing or terminating human resource jobs and making them unemployed. Limited skills and less than optimal business makes their economy weaken and they finally try other ways to make ends meet by begging. The feeling of being happy to get money without working hard gives rise to new habits and makes them feel at home to continue it even to the point of cheating. People's awareness and trust has decreased, creating doubts about whether or not to help beggars. In Islam itself, begging is the wrong way to meet the demands of life. Islam teaches to always try hard and the need for an attitude of mutual help both in actions or actions to reduce the existence of beggars.

The development of the era of economic and financial digitalization is developing so rapidly, that the purpose of this writing is to find out how the relationship between the time value of the rupiah influences over time. In addition, of course, the development of the era of economic and financial digitalization has had an impact on Indonesia's progress. Often companies have confusion in investing in securities, in this article the author wants to further discuss the role of the money supply and the time value of money in investing in securities. Of course, in making an investment decision, a company must carry out financial analysis related to stocks, bonds and capital markets. The method used is qualitative by collecting, analyzing and processing data from accurate and reliable sources such as books, journals and government websites. The results of this study indicate that by analyzing the money supply and the time value of money, it will influence companies in making investment decisions on securities using fundamental analysis.