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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.

. As for the procedures for buying piled up land, consumers must first buy a D.O (Dilevery Order) card at the cashier according to the size of the fleet being brought (large or small) then process the payment, then the fleet enters the loading process queue, then the D.O card is given to the operator excavator for loading piled up soil into the fleet tank, after the loading process is complete the fleet leaves. After receiving payment money from consumers, the cashier records sales transactions in the sales transaction book and then re-records the administration section into the master book for reports on the production of sales results which will be given to the person in charge. As long as the sales data management system is still recorded manually by the administration into the ledger, this risks causing delays in the preparation of reports because all sales transactions have to be re-recorded. Data is lost (stolen or corrupted). When sales files and sales reports are needed for re-checking, officers will have difficulty finding files in the master book, because they have to open the pages of the main book which are quite thick. There was a problem in September 2018 where the daily sales report was damaged by rain and the cashier had to re-record all daily transactions.

Giro is a modern payment instrument that is currently very widely used in Indonesia because of the ease and security of transactions of buying and selling in a large amount of money. With the Giro masyarakar no longer worry so much money when buying and selling transactions. But because of weak laws governing the Giro, the system of banking that is not good to make Giro much abused in the world trade in Indonesia as ever used for fraud, breach of contract and even being sold paper giro already closed the account but not withdrawn by the Bank concerned, here the Bank's role is very important, but in reality only a Bank Account provider or manager of the Giro and only a block accounts Giro Giro when the Kosong.pengadilan also in deciding the case on the Giro this could happen fault and most of the cases the Giro go to the District Court of the plaintiff's money is not returned and the plaintiffs continue to experience losses. This is what makes Giro is irrelevant used as means of payment in Indonesia.

Problems related to labor or labor are problems that often occur in developing countries, one of which is Indonesia. Termination of Employment (PHK) is something that is feared by workers due to economic conditions which have an impact on companies that have to go out of business and this results in unilateral layoffs by the company. One of the implementing regulations for the Job Creation Law that has been issued is Government Regulation Number 35 of 2021 concerning Work Agreements for Specific Periods, Outsourcing, Working Time, Work Relations and Rest Periods, and Termination of Employment (PHK). Article 15 states that employers are required to provide compensation money to workers or laborers whose employment relationship is based on a Specific Time Work Agreement (PKWT). Compensation money as referred to in Article 15 paragraph (1) PP Number 35 of 2021, is given to workers/laborers who have had continuous service for at least 1 (one) month. Compensation is everything that is received by workers, both physical and non-physical. The form of compensation given can be in the form of money or goods that are given directly or indirectly. Regulations regarding compensation are regulated in Law Number 13 of 2003 concerning Manpower and Government Regulation Number 35 of 2021 concerning Work Agreements for Specific Periods, Outsourcing, Working Time and Break Time and Termination of Employment. The compensation given by Hotel X to Mrs. S is in accordance with Article 16 of Government Regulation Number 35 of 2021 concerning Work Agreements for Specific Time, Outsourcing, Working Time and Break Time and Termination of Employment. Where Mrs. S demanded compensation from Hotel X with the calculation of the remaining salary withheld due to covid reasons, overtime pay, and leave money.

This study was structured to analyze the effect of the Amount of Money in Circulation (JUB) on the profitability of Islamic banks, when viewed from the variable Return On Assets (ROA). The research method uses quantitative methods with descriptive research types. The data source of this study is secondary time series data taken from financial reports published by the Financial Services Authority. The data analysis technique uses simple linear regression analysis which has previously been carried out by classical assumption tests which include the normality test and heteroscedasticity test. The results of a simple linear regression test based on the value of the regression coefficient are negative, it means that JUB (X) has a negative effect on ROA (Y).

The economy of a country can be seen from its internal conditions such as the real sector, namely production, consumption and investment. Then the monetary sector, such as inflation, the money supply and the balance of the exchange rate. In addition, the condition of the Indonesian economy can also be seen from external conditions which are reflected in the development of the balance of payments which illustrates the condition of the Indonesian economy in the real and monetary sectors. The balance of payments also measures the ability of the economy to support international transactions, especially transactions related to debt obligations and export-import transactions, and informs the government about the state of the economy, especially in this regard. On the results of economic relations with other countries. Thus, the balance of payments can assist in decision-making in the currency sector. Indonesia's balance of payments often fluctuates from time to time. A current account deficit does not result in a balance of payments deficit because the financial account increases capital and compensates for the current account deficit.

Regional finance is a right and obligation. Rights are regional rights to seek regional revenue sources in the form of collecting regional taxes, regional levies or other sources of revenue in accordance with applicable laws and regulations. Meanwhile, the obligation is the obligation of the region to issue money in order to carry out all regional government affairs. In its implementation, the financial management carried out by each region is accountable to the Supreme Audit Board (BPK). Regions that are categorized as good in financial management will receive an award in the form of an unqualified opinion (WTP). The Principle of Accountability in realizing WTP-based management can be interpreted as an effort to be accountable by creating oversight through the distribution of power in various government institutions so as to reduce the accumulation of power while creating conditions of mutual supervision.

The existence of organizations such as Islamic financial institutions that help improve the welfare of society according to their function, namely saving money and providing loan assistance for business capital and comsumtions. There are various types of LKM, one of which is cooperatives. This study aims to determine the..influence of social factors and./personal factors on people’s decisions to use the services of KSU Surya Muhammadiyah, either partially or simultaneously. This Study used a quantitative method using 50 samples taken by purposive sampling method from the KSU Surya Muhammadiyah customer population. Data collection technique were interviews, observation, questionnaires, and documentations. Then, the questionnaires were tested with validity and reliability tests to ensure the accuracy of the questionnaires. Furthermore, classical asumption tests and hypothesis tests were carried out including multiple,,linearregression tests, the coefficient of determination (R2), t-tes, .and F-test. The results of this study are as.follows: (1) social factors have effect on people’s decitions to use services of KSU Surya Muhammadiyah, with a t .count of 2,254 while .t table of 2,012 or t count < t table..and a significance level of 0,026 > 0,05. (2) personal factors influence people’s decitions to use the services of KSU Surya Muhammadiyah, with a t count of 3,093 while t table is 2,012 or tcount > t table and asignificance level of 0,003 < 0,05. (3) social and personal factors simultaneously influence the community’s decition to use the services of KSU Surya Muhammadiyah. Where the sigvalue is 0,000 < 0,005 and F count is 79,385 > F table 3,20. It can be concluded fromthe test results, namely: (1) H1 is accepted,,and H0 is rejected, (2) H2 is a accepted and H0 isrejected, (3) H3 is accepted and H0 is rejected. If the number of customers decreases, it is necessary topay attention tothese factors anything that can influence customer interest in choosing at KSU Surya Muhammadiyah Pematang Kolim Village

There are still many FEBI students UIN STS Jambi who do not understand Financial Literacy, so they often allocate their money for things that are not needed. Lifestyle patterns lead to consumptive behavior. Self-control is still relatively low so it is easy to be influenced to buy something that is not needed. Research objectives determine the effect of financial literacy, lifestyle and self-control on consumptive behavior in Islam. This research used quantitative research. Quantitative research method is a method based on philosophy that is used to research certain populations and samples, data collection uses research instruments, analysis is quantitative or statistical, with the aim of testing the hypotheses that have been set. Lifestyle influences consumptive behavior. But financial literacy and self-control have no effect on consumptive behavior, which means that even without financial literacy and self-control, students still behave consumptively. but simultaneously Financial Literacy, Lifestyle and Self-Control affect Consumptive Behavior. FEBI students UIN STS JAMBI are expected to improve their financial literacy, lifestyle and self-control so they can avoid consumptive behavior. Future researchers are expected to be able to use other variables besides Financial Literacy, Lifestyle and Self-Control to show other things that also influence the level of Consumptive Behavior.

Democracy as the basis of state life allows recognition that, at the last level, the people regulate the main issues that concern their lives, including evaluation of state policies because they determine their lives. ) to the Constitutional Court regarding Law Number 7 of 2017 concerning General Elections regarding an open proportional system. The purpose of this study is to examine the closed proportional system discourse which is suitable to be reapplied in the 2024 General Election from a democratic perspective. The research methodology used is a normative juridical approach. Implications A closed or open proportional system cannot be said to be ideal for several reasons, namely, (1) In an open proportional system many candidates engage in money politics by secretly distributing money to the public. However, in a closed system, one cannot guarantee that this practice will be prevented and gain internal support within one's party. (2) Very suitable, each party can provide the best candidate in accordance with the development and progress of community needs. However, it is possible for the party to create other objectives for its own interests. (3) The principle of open proportionality, anyone who has fame and popularity but without proper background can easily be elected to a seat in parliament.

Whereas the legal regulation governing the Criminal Sanctions for Money Laundering of Narcotics Crimes is Article 2 of Law Number 8 of 2010 Concerning the Prevention and Eradication of Money Laundering Crimes paragraph (1) point 3 concerning Narcotics. The implementation of the implementation of the Criminal Sanctions for Money Laundering from Narcotics Crime is still overlapping and separate or simultaneous. This occurs both at the placement stage, the distribution stage, and the collection stage, so that handling becomes increasingly difficult and requires systematic and continuous capacity building. Factors constraining Criminal Sanctions for Money Laundering from Narcotics Crime are the Globalization Factor, the Rapid Technological Advancement Factor, the Very Strict Bank Confidential Provisions Factor of the Country Concerned. Therefore, stricter legal arrangements are needed in enforcing criminal sanctions for money laundering of the proceeds of narcotics crimes and should pay more attention to the principles of simple, fast and low-cost criminal procedural law so that the next stage of the judicial process can be carried out immediately.  

Financing is an important component in providing education. Education costs are the amount of money generated and spent on various educational equipment which includes teacher salaries, facilities and infrastructure, administrative activities, education management activities, procurement of tools and textbooks, extracurricular activities and so on. This study aims to determine the effectiveness of utilizing financing sources in Ta'miriyah High School Surabaya. This study used a descriptive qualitative approach. Data collection techniques are carried out by interviews and observations. Financing is the most crucial thing that must be faced by education providers. In order for educational goals to be achieved, the management of education funds must be carried out properly and appropriately. This research was held at Ta'miriyah High School Surabaya, because researchers wanted to know the sources of education financing in private schools and their utilization. The results showed that the utilization of funding sources for Ta'miriyah High School Surabaya, both from School Operational Assistance funds, Operational Support Costs for Education Implementation, and Education Development Contribution funds were quite effective both in terms of personnel and non-personnel

Gambling games are a crime regulated in article 303 bis of the Criminal Code. Gambling games are often used as a livelihood. Gamblers often make this a livelihood because the lures that are given from gambling games look profitable with only a little money. But this is of course just a ruse so that someone is interested in participating in gambling. Article 303 bis of the Criminal Code has regulated the crime of gambling as a means of livelihood. The Pasuruan City Police Resort is trying to enforce the law on gambling crimes that occurred in Pasuruan City. Along with the development of the era, there are more and more types of gambling crimes. Judging from its history, criminal acts of gambling will always exist and some of the people playing gambling is a customary habit that does not need to be eliminated or even reported to the Police. This of course makes the role of the Police indispensable in informing the public that this gambling game is a crime that needs to be enforced.

Efforts to Increase Child Entrepreneurship in PAUD/TK institutions. Everyone needs to have an entrepreneurial spirit, including children at an early age. Entrepreneurship education is not just about educating prospective entrepreneurs or teaching children how to make money from an early age, but also about growing and developing the character that already exists in children. The purpose of this study was to: find out whether there are changes in children's habits and attitudes after doing fun activities in farming and increasing entrepreneurial spirit from an early age. This research uses the Systematic Literature Review (SLR) method by collecting and analyzing journals related to the word key. Based on the literature study conducted, it was found that the importance of planting and increasing understanding of the concept of entrepreneurship from an early age starting from early childhood education, this implementation needs examples in the form of activities carried out by playing to provide a good understanding of students. Another problem, students are less motivated to look for reference materials related to the material provided. Based on the analysis of learning tools, the entrepreneurship material being taught is still not sustainable so that the expected competencies are not clear. In addition, learning activities are still centered on the teacher. The results of the analysis of reference books to see the contents of the material, especially the main economic activity material. Instilling an entrepreneurial spirit from an early age makes children have a strong business spirit, sense of responsibility and independence. Efforts to Increase Child Entrepreneurship in PAUD/TK institutions. Everyone needs to have an entrepreneurial spirit, including children at an early age. Entrepreneurship education is not just about educating prospective entrepreneurs or teaching children how to make money from an early age, but also about growing and developing the character that already exists in children. The purpose of this study was to: find out whether there are changes in children's habits and attitudes after doing fun activities in farming and increasing entrepreneurial spirit from an early age. This research uses the Systematic Literature Review (SLR) method by collecting and analyzing journals related to the word key. Based on the literature study conducted, it was found that the importance of planting and increasing understanding of the concept of entrepreneurship from an early age starting from early childhood education, this implementation needs examples in the form of activities carried out by playing to provide a good understanding of students. Another problem, students are less motivated to look for reference materials related to the material provided. Based on the analysis of learning tools, the entrepreneurship material being taught is still not sustainable so that the expected competencies are not clear. In addition, learning activities are still centered on the teacher. The results of the analysis of reference books to see the contents of the material, especially the main economic activity material. Instilling an entrepreneurial spirit from an early age makes children have a strong business spirit, sense of responsibility and independence.

There is no denying that it is one measure of the Christian's relationship with God. Personal finances, especially in terms of giving and keeping a tithe tax offering. Tithing is an important issue in Christian finance. Some believe that this is a tax to God for a happy life. Despite life's difficulties. Some people do not pay tithing. unmanageable income. In fact, there are things that we cannot give. Because he enjoys spending too much money on his life. Also, some Christians tithe eagerly, but for no apparent reason. Because that's what the church and family taught me since I was little.

Humans are basically spiritual beings. Because, a person can mentally react to something. Humans have always tried to relate to the divine. So the relationship with the god is in the form of worship. The concept of worship in both the Old and New Testaments is the same concept. The Hebrew word for century and the Greek for the beginning of latreia denote the occupation of slaves. And to perform "worship". Before Allah, then His servants must bow down in fear of adoration full of awe, awe and respect. This is the concept behind one's operation in every sacrificial activity in every ministry. Likewise with the implementation of public worship believing in the Lord Jesus. Human sacrifices given as thanksgiving offerings to God are part of worship. No after service offers. This is because the offer is not simply a symbol of giving with what one has, whether in money, or in kind, or in some other way. But the best thing about an offer is that to whom the offer is made the Lord Jesus must be based on faith or the right foundation of a gift from someone else or for some other purpose. Almost all forms of worship are carried out by Sunday schools for children, youth, youth, mothers, fathers, parents, Sunday services and other services bringing offerings of thanks for being part of the service. But the gift must be well understood and taken seriously.

Money is essential in modern life and is needed by everyone to fulfill their needs and desires. There are differences in money management so some people can use it well, and others need to. With proper financial management, individuals can make optimal use of their money. The Silvanoor store in Palangkaraya has good profit potential, but its financial management is still simple, so it is necessary to provide financial management assistance for shop owners and employees. The purpose of this is to improve the financial management capabilities of the Silvanoor plastic shop

The background of this thesis is that it starts from the rapid growth of information technology-based lending service providers, apparently not balanced with adequate education to the public, causing various effects / risks that arise from the many kinds of online loans and there are still many unregistered or illegal organizing companies found as well as the potential for leaking user personal data that can be misused by the organizing company or another party One of the platforms is the Smart Credit App.   The problems that the author raises in this study are How to Arrange Online Loans on the Smart Credit Application, How are the Losses arising from online borrowing of the Smart Credit Application and How is the Responsibility of the Smart Credit Application for Losses from Customers. The research method used by the author in answering problems is Normative Juridical Research where the author tries to examine problems with existing legal rules and uses the literature study method in collecting existing legal materials. The conclusion of this thesis research is that Online Loans through the Smart “Credit Application in the people of Semarang City are regulated in Article 1320 of the Civil Code which in essence stipulates thatagreements made online must still meet the legal requirements of an agreement. The implementation is regulated in POJK regulation 77/2016 concerning Technology-based Loan Services. Customer protection in online loan agreements can be found in the Consumer Protection Law in article 7 which regulates the Obligations of Business Actors, then Article 8 which regulates things that are prohibited from being done by Business Actors, and Article 18 which regulates the provisions of matters related to the Standard Clause. ITE Law, where in Article 11 and Article 17 of the ITE Law regulates matters related to the validity of electronic agreements, OJK Regulation Number 77 / POJK / 2016 concerning Services of a Loan in the form of Money Based on Information Technology which is regulated through article 18 concerning the Form and Structure of online loan agreements. The disadvantage that often arises from the Smart Credit Application is the dissemination of personal data carried out by the Smart Credit Application because the Debtor does not make payments on time, so the debt Collector uses techniques to use the dissemination of personal data to pressure the Debtor to immediately make payments, Juridical Responsibility The Kredit Pintar application for actions committed for defamation can be held civil liability through a Tort Lawsuit as stipulated in article” 1365 of the Civil Code filed by Customers who feel aggrieved because their identity is used in the misuse of personal data.   Keywords : Online Loans, Smart Credit Applications.

Family financial planning and management counseling activities for housewives were carried out in Kaliburu Village, Sindue Tombusabora District, Donggala Regency, Central Sulawesi. Housewives play an important role as regulators of family finances. The background to the implementation of this activity is that there are still many people who spend money beyond what is needed and beyond their own income, so that they are trapped in debt and unable to pay bills on the grounds that they are running out of funds. This counseling activity was carried out with the aim of providing an understanding of housewives in Kaliburu Village so that they know the importance of planning and how to carry out good family financial management. This activity was attended by 10 participants on Thursday, December 22, 2022. The methods used were counseling, discussion, and question and answer. This activity was carried out well, it can be seen from the results after counseling 100% of participants understood the importance of family planning, before counseling only 30% of participants. Participants who knew how to plan and manage family finances reached 80% from only 20% previously. Participants who had carried out family financial planning well reached 50%, previously only 10%.    

This paper explains the Deviations of Ma'had Al-Zaytun's Teachings Against Islamic Law, where the activity is in a ma'had or pondok in Indramayu, Central Java. During the leadership of Prof. Dr. KH. Abdusallam Rasyidi Panji Gumilang has recently reaped a lot of controversy because the teachings applied at the education center are contrary to Islamic religious laws or teachings, such as the prayer rows that are spaced apart and the mixing of male and female rows, Hajj can be carried out in Indramayu, adheres to Bung Karno's and Ma'had's understandings also say that sins can be redeemed with money. It also describes rebuttals regarding teachings in Al-Zaytun which are considered deviant and far from Islamic values ​​and law. to discuss related to deviant teachings in ma'had Al-Zaytun that are contrary to Islamic religious law, and the author will also look for what are the factors that underlie the ma'had carrying out teachings that are not in accordance with religious law or Islamic Shari'a which should.