Publication Search

This study aims to analyze the effectiveness of the use of the Quick Response Code Indonesian Standard (QRIS) to improve the efficiency of Micro, Small and Medium Enterprises (MSMEs) transactions to make them safer and easier to access in the Sultan Ageng Tirtayasa University, Sindangsari environment. QRIS is one of the payment instruments introduced by Bank Indonesia. This study uses a qualitative method on MSMEs that actively use QRIS in the payment method available at the Sultan Ageng Tirtayasa University canteen, Sindangsari. This data was collected through observation and interviews with 7 MSME owners and 10 buyers, to find out the reasons for choosing non-cash over cash, to find out the increase in the number of transactions after using QRIS, the advantages of using QRIS and its obstacles as well as the positive and negative impacts on the effectiveness and operations of MSMEs. Thus, QRIS has proven effective as a digital payment instrument that supports the growth of MSMEs at Sultan Ageng Tirtayasa University, Sindangsari.

In ever-evolving era of e-commerce, the Cash on Delivery (COD) Check First feature implemented by Shopee provides a practical solution for consumers who want to ensure security while shopping online. This feature allows buyers to inspect the condition of the product directly before deciding to make a payment. With this feature, consumers can verify that the item received matches the description listed on the platform, thus reducing the risk of fraud or product discrepancies. The transaction security offered through this system is one of the key aspects in increasing consumer trust in e-commerce platforms. This research aims to examine how the COD Check First feature provides additional protection for consumers in e-commerce transactions, particularly concerning the potential risks of fraud or product discrepancies that are common in online trade. This feature gives buyers more control to ensure that the received goods meet their expectations and the product description. Therefore, COD Check First not only facilitates the transaction process but also strengthens consumer protection, making it a relevant mechanism to minimize buyer dissatisfaction in e-commerce, especially in Indonesia.

Financial innovation plays a crucial role in increasing people's access to economic services, especially in the ever-evolving digital era. Through various forms of innovation such as digital financial services, fintech, mobile banking, and electronic payment systems, people, including those in remote areas—have made it easier to reach banking, investment, and financing services. These innovations help overcome various conventional barriers, such as limited physical infrastructure, high transaction costs, and the unaffordability of formal financial services. In addition, the presence of financial technology also expands financial inclusion by providing products and services that are more flexible, cheap, and easily accessible through mobile devices. This not only encourages local economic growth, but also empowers micro, small, and medium enterprises (MSMEs) to develop their businesses. However, challenges remain, such as the need for financial literacy, consumer data protection, and adequate regulatory oversight. Therefore, synergy between the government, financial institutions, technology providers, and the community is important to ensure that financial innovation can be utilized optimally and sustainably in promoting inclusive economic prosperity. Financial innovation is not just a technological advancement, but a strategic solution towards economic justice.

Online lending has become an increasingly popular financial solution in Indonesia, providing easy access to funds for people who are not fully served by traditional financial institutions. Despite offering many conveniences, the rapid growth of online lending brings various risks, such as the rise of illegal online loans, high interest rates, and the potential misuse of users' personal data. This research aims to analyze consumer protection in online loan transactions, by reviewing existing regulations, such as Law No. 8/1999 on Consumer Protection, OJK Regulation No. 77/Pojk.01/2016, and the Electronic Information and Transaction Law (ITE Law). This research uses a normative legal research method with a statutory approach that prioritizes legal materials in the form of laws and regulations as the main reference. Data collection techniques are carried out through library research, analyzing relevant regulations and related literature. The results show that although these regulations already exist, the implementation of supervision and law enforcement is still weak, resulting in many violations harming consumers. Stricter supervision from OJK, strict sanctions against illegal fintech providers, and increased education to the public about their rights as consumers are needed. With more effective supervision and clearer regulations, it is hoped that the online lending industry can develop healthily and provide benefits without harming consumers.

The strengthening of the digital ecosystem has changed the way people make purchasing decisions. This study aims to analyze consumer purchasing decisions in live shopping on the TikTok platform for fashion products. The study was conducted using a descriptive qualitative approach. The research data was sourced from digital searches and observations. The results of the study indicate that consumer purchasing decisions in live shopping on TikTok are influenced by several key factors, namely seller credibility, promotional systems, interactivity, transaction ease, and social influence. These factors interact with one another and shape a satisfying shopping experience for consumers, thereby encouraging them to make purchases. By understanding these factors, businesses can design more effective marketing strategies to maximize sales through the TikTok platform.

This research aims to identify the impact of service quality and promotion on customer satisfaction at Alfamart in Semarang Regency. The research entity group includes residents in the West Ungaran area of Semarang Regency. The participant selection method uses a non-probability approach, specifically a directed selective method. Participants include West Ungaran residents who have passed the age threshold of 17 years and have previously conducted transactions at Alfamart in Semarang Regency. The information collection mechanism is carried out through the distribution of survey instruments using a multi-level assessment scale. Data is processed through multiple regression testing. The investigative findings reveal that service quality exerts a significant influence on customer satisfaction, based on statistical test results demonstrating the significance value of service quality at 0.000, which falls below 0.05 (0.000 < 0.05), with a test statistic of 5.727 surpassing the critical threshold of 1.986 (5.727 > 1.986). Promotional efforts similarly contribute meaningfully to customer satisfaction, reflected through testing that generated a significance value of 0.002 beneath the 0.05 threshold (0.002 < 0.05) and a test statistic of 3.211 exceeding the critical limit of 1.986 (3.211 > 1.986). Subsequently, customer satisfaction is simultaneously influenced by service quality and promotional strategies, evident from the analysis with a significance value of 0.000 < 0.05 in the simultaneous test and a statistic of 153.608 transcending the critical value of 3.09 in Semarang Regency at Alfamart.

This study aims to fine out how Islamic Business Ethics is applied to buying and selling transaction in Prumdam market, Bengkulu City. The purpose of this study is to explore the understanding and application of Islamic Business Ethics among traders in Traditional markets. The main issue raised was the lack of understanding of traders regarding the principles of Islamic Business Ethics and the challenges they face. The study used a qualitative method with a descriptive approach, involving structured interviews with traders who had at least five years of experience in the Prumdam Morning Market. The results of the study show that some of the traders have understood the importance of honesty and Amanah in transactions, however there are some traders who are not effective in communicating the quality of the goods they sell, which reflects the lack of awareness of Islamic Business Ethics principles. Therefore, there is a need for better education and socialization to traders about Ethical values ​​which are the foundation in doing business.

This study aims to analyze the role of the Quick Response Code Indonesian Standard (QRIS) as a key driver in the development of Financial Technology (Fintech) that contributes to increasing financial inclusion in Indonesia. Using qualitative methods through a descriptive approach, this study focuses on exploring and understanding phenomena related to QRIS implementation and its impact on the national digital financial ecosystem. Research data was obtained through literature studies from various relevant primary and secondary sources, thus providing a strong theoretical and practical foundation. The results show that QRIS functions as a link between cross-platform digital payment ecosystems, enabling interconnection between service providers, and facilitating non-cash transaction processes in a faster, safer, and more efficient manner. Furthermore, QRIS not only supports the development of financial technology in urban areas but also expands the reach of digital financial services to remote areas that were previously difficult to access by conventional banking services. Thus, QRIS plays a significant role in encouraging public participation in the formal financial system and helping achieve the national financial inclusion targets set by the government. This study concludes that QRIS is a strategic instrument in strengthening the foundation of Indonesia's digital economic transformation. Increasing financial inclusion not only impacts equitable access to financial services but also contributes to more inclusive and sustainable economic growth. These findings illustrate that QRIS is a technological policy innovation with strategic value, not only as a transaction tool but also as a driving force for digital financial integration in the era of national economic transformation. QRIS is a strategic tool in realizing national financial inclusion targets and supporting the vision of transformation towards Indonesia's digital economy.

The purpose of this research is to design a basic food sales information system at Misman Store to assist the performance of Store employees in processing data and selling basic necessities which still use a manual recording system in managing stocks and transactions in the store, which causes inefficiencies in monitoring inventory of goods. Research using qualitative methods with data collection techniques through observation, interviews, and literature studies. The results of the study, among others, make it easier for employees at misman shops to complete the main tasks of selling goods such as data management to be easier, more efficient, and effective with this system. sales and sales transaction reports. The designed web-based information system has several main features such as system login, dashboard, item category management, inventory management, and transaction recording and reporting. This system is designed to improve the efficiency of store operations and facilitate the management of goods data and sales transactions.

The rapid development of financial technology (fintech), particularly digital wallet applications like OVO, has significantly transformed transaction patterns in society. However, issues such as server instability and unsatisfactory user experiences frequently emerge on social media platforms. This study aims to analyze user sentiments toward OVO on platform X (formerly Twitter) by comparing the performance of two machine learning algorithms: Naïve Bayes and Support Vector Machine (SVM). Data were collected through web scraping from 1,000 Indonesian-language tweets containing the keyword "OVO." The research methodology included text preprocessing (data cleaning, tokenization, stopword removal), feature extraction using TF-IDF, and sentiment classification (positive, negative, neutral). Evaluation results demonstrated that SVM achieved the highest accuracy of 85.2%, while Naïve Bayes reached 78.5%. SVM also outperformed in precision (87%) and recall (83%) due to its ability to handle non-linear data. These findings provide actionable recommendations for OVO developers to enhance server stability and features based on user feedback. Additionally, this study serves as a reference for future sentiment analysis research employing algorithmic comparisons.

The progress of digital technology provides possibilities for Micro, Small, and Medium Enterprises (MSMEs) to enhance their competitiveness and revenues, particularly in the Songkok craft industry located in Karanggeneng, Lamongan. Nevertheless, incorporating digital marketing that aligns with sharia principles presents its own set of challenges. This research seeks to identify the most effective strategy for applying sharia-compliant digital marketing to elevate the competitiveness and profits of MSMEs. The research employs a qualitative approach, using a case study methodology. Information was gathered using detailed interviews, active observation, and document analysis focused on MSMEs that have adopted sharia digital strategies. The analytical framework follows the Miles and Huberman approach, encompassing data reduction, data presentation, and conclusion formulation. Findings indicate that sharia-compliant digital marketing initiatives, such as transparent transactions, utilization of halal e-commerce platforms, and ethical communication aligned with Islamic values, play a significant role in enhancing competitiveness and revenue. Furthermore, digital technology enables MSMEs to access a broader market while preserving Islamic economic principles. Consequently, enhancing digital marketing based on sharia guidelines is a viable and sustainable approach for the growth of MSMEs. This study advises MSMEs to commence the integration of sharia digital marketing as a proactive measure for ethical and competitive business advancement.

This research was conducted with the aim of describing the behavior and outlining the strategies implemented by Pertamini retail gasoline traders in maintaining their businesses after the establishment of a gas station in Umbulan Village. The use of methods in this research is descriptive qualitative research with data collection techniques through observation, in-depth interviews, and documentation. In this study, it was found that the behavior of Pertamini retail gasoline traders after the establishment of a gas station in Umbulan Village is more dominantly influenced by external factors from the surrounding environment or market conditions such as the gas station's operating hours, the shift of customers to the gas station, and the proximity to the gas station in Umbulan Village. Thus, the Pertamini retail gasoline traders demonstrate resilience by adapting to market changes and remaining focused on their main objectives, as reflected in their commitment to keep their business open every day despite having few customers. Traders also build close relationships with local customers and suppliers, which are not only based on economic transactions but also on social relations. Although there are disputes between the retail gasoline traders and the Umbulan Village gas station, the traders strive to maintain good relationships. Then, the traders maintain their relationship patterns through good communication and close social interactions, which highlight the importance of social norms in maintaining harmonious relationships. By implementing adaptation strategies, achieving goals, integration, and maintaining good relationship patterns, they strive to survive in the increasingly fierce competition.

This study aims to enhance digital security literacy among Dompet Digital users. With the growing adoption of Dompet Digitals offering transactional convenience, digital security risks have also risen, especially among users with limited data protection awareness. The educational program focuses on introducing digital security risks, such as phishing, malware, and social engineering, along with providing protective strategies like two-factor authentication (2FA) and avoiding unsecured public Wi-Fi networks. The methods employed include socialization sessions, seminars, and workshops designed to build Dompet Digital users’ awareness in safeguarding their accounts. The program results indicate a significant increase in users' awareness and practical skills in identifying risks and implementing security measures. Additionally, users are expected to act as change agents, spreading this knowledge within their communities. Regular educational initiatives and collaboration with Dompet Digital providers are also recommended as ongoing steps to maintain digital security.

The purpose of this activity is to find out how much knowledge the local community in Patimban Village has regarding the internet to avoid fraud on online shopping sites or E-commerce. This Community Service Activity uses a field observation method (direct observation) by visiting people's homes through the distribution of information paper. The results of the activity concluded: first, online fraud is in principle the same as conventional fraud through the use of electronic systems (computers, internet, telecommunications devices) as a criminal act of fraud based on Law Number 11 of 2008 concerning Information and Electronic Transactions. Law enforcement officers often experience difficulties and obstacles in ensnaring perpetrators of fraud; and second, this criminal act of fraud can be charged with Article 378 of the Criminal Code as a criminal act of fraud or Article 28 paragraph (1) of the ITE Law concerning the regulation of the spread of false and misleading news that is detrimental to consumers. Or it can be charged based on both articles at once, namely, 378 of the Criminal Code in conjunction with Article 28 paragraph (1) in conjunction with Article 45 paragraph (1) of Law No. 11 of 2008 concerning fraud and/or ITE crimes.

The growth of the digital marketplace presents both opportunities and challenges for MSMEs (Micro, Small, and Medium Enterprises) in protecting their trademarks. This study aims to analyze the legal protections against trademark infringement of local products in the digital marketplace, identify the challenges faced by MSMEs, and formulate effective preventive and repressive strategies. The research employs a normative-empirical approach, analyzing Law No. 20 of 2016 on Trademarks, the Electronic Information and Transactions Law (ITE Law), and a case study of the MSME MoriGe. The findings reveal that while Indonesia's legal framework for trademark protection is adequate, its implementation faces obstacles such as low awareness among MSMEs regarding trademark registration, slow law enforcement, and the complexity of infringements in the digital space. This study recommends proactive trademark registration, enhanced collaboration with digital platforms, and widespread legal outreach to MSMEs. The research findings are expected to contribute to strengthening legal protections for local product trademarks in the digital era.

This study aims to explore the role and impact of the development of digital payment systems, particularly the Quick Response Code Indonesian Standard (QRIS), on the financial management practices of out-of-town students in the 2024 cohort. Using a descriptive qualitative approach and data collected through open-ended questionnaires distributed to 50 students of the Accounting Study Program at UPI, the research examines sources and management of monthly funds, the influence of QRIS on consumptive behavior, the role of QRIS in daily transactions, the handling of unexpected expenses, and students' financial awareness. The results indicate that QRIS is widely used for daily spending transactions, especially for purchasing food and beverages, due to its practicality and convenience. However, the findings also suggest a tendency for increased consumptive behavior among students who use QRIS. Nonetheless, a small portion of students reported that QRIS facilitates easier control over spending through visibility of balances and transaction histories. This study highlights the importance of financial literacy alongside the adoption of digital payment technologies to optimize students' financial management.

This study discusses criminal liability for perpetrators of online gambling crimes based on Law Number 19 of 2016 concerning Electronic Information and Transactions (ITE Law) from the perspective of Indonesian criminal law. The research employs a normative juridical approach with a case study method on Decision Number 628/PID.B/2023/PN Sleman. The defendant was proven to have knowingly distributed and disseminated links to online gambling sites via social media, as well as obtained financial gain from these activities. Based on the judge’s decision, the defendant was sentenced to 1 year and 8 months in prison and fined IDR 250,000,000. The results indicate that the application of Article 27 paragraph (2) in conjunction with Article 45 paragraph (2) of the ITE Law is in accordance with the principles of criminal liability, including the elements of fault (mens rea) and unlawful acts (actus reus). Nevertheless, challenges remain in law enforcement against online gambling, particularly regarding sites operating abroad and the low level of public legal awareness. The recommendations provided include a more comprehensive legal approach to enhance the effectiveness of combating online gambling in Indonesia.

Facebook is a social activity platform that can be done in cyberspace (unreal), allowing for reciprocal interaction between users, one of which is conducting online buying and selling transactions. Privacy violations on social media can occur in various forms such as the spread of personal information without permission, identity theft, online fraud and many more. These cases not only harm individuals but can also have an impact on the reputation and public trust in social media platforms. This study is an empirical legal research study with a qualitative approach. Data collection techniques were obtained from interviews and documentary studies. The research analysis used descriptive qualitative analysis. The results of the study showed that repressive efforts are law enforcement efforts carried out by the NTT Regional Police in dealing with cases of consumer privacy violations carried out by fake accounts on Facebook social media. The obstacles experienced by the NTT Regional Police in dealing with cases of consumer privacy violations carried out by fake accounts on Facebook social media include: Legal aspects, Law enforcement aspects, Facilities and Facilities aspects, Community aspects, and Cultural aspects.

The digital era has brought significant transformation in the financial sector, including the money market and capital market in Indonesia. Innovation in financial technology (fintech), digitalization of services, and increasing volume of online transactions require adaptive and responsive supervision from the authority institution. This study aims to analyze the role of the Financial Services Authority (OJK) in regulating, supervising, and developing the money market and capital market amidst the development of digital technology. The research method used is qualitative with a descriptive-analytical approach through literature studies and secondary data from official OJK reports and related regulations. The results of the study show that OJK plays a central role in maintaining the stability and integrity of the financial market through strengthening digital regulations, technology-based supervision (suptech), and investor protection. In addition, OJK also encourages digital financial inclusion and literacy to create a healthy and sustainable market ecosystem. These findings emphasize the importance of policy adaptation and strengthening OJK's institutional capacity in facing challenges and opportunities in the digital era.

The problem of election violations in the form of money politics continues to be a challenge in the democratization process in Indonesia, including in Gorontalo Regency. Although regulations have been strictly regulated in Law Number 7 Year 2017, the implementation of law enforcement against money politics still faces various obstacles. This study aims to analyze the obstacles faced by law enforcement officials, especially the Election Supervisory Agency (Bawaslu), in taking action against money politics violations during the implementation of the General Election in Gorontalo Regency. This type of research is empirical juridical research, with a qualitative approach and using interview techniques with Bawaslu commissioners as the main data source. The main findings show that the main obstacles come from weak evidentiary instruments, a deeply rooted transactional political culture in the community, and Bawaslu's limited authority in the law enforcement process. In addition, the lack of public participation in reporting violations is a factor that contributes to weakening the effectiveness of law enforcement. The conclusion of this study confirms that the success of law enforcement against money politics is largely determined by the synergy between strong regulations, independent and professional supervisory institutions, and public political awareness. Therefore, it is recommended that strengthening the institutional capacity of Bawaslu, reformulating regulations regarding the proof of money politics violations, and increasing public political education be prioritized in the electoral reform agenda in the regions.