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A good human being always uses the time given to him by the creator to be used to create useful works. One of the acts that is useless and has been in the habit in the past until now is gambling. Legal issues of this normative legal research: How does gambling crime occur in society? What is meant by the phrase gambling content as referred to in Law Number 11 of 2008 concerning Information and Electronic Transactions? Gambling crimes in society are a complex and growing problem. The crime of gambling is regulated in Articles 303 and 303 bis of the Criminal Code, which states that gambling is any game that contains elements of betting in the hope of getting a profit based on luck or skill. Gambling encompasses a wide range of forms, from traditional games such as cockfighting and lotteries to online gambling. This activity not only involves people from the lower layers, but also reaches the middle and upper classes. Article 27 paragraph (2) of Law No. 11 of 2008 Electronic Information and Transactions The phrase gambling content includes the following elements: 1. Intentional, An act is carried out with the intention to distribute or transmit gambling content. 2. Without Rights, the Perpetrator does not have permission or the right to perform such acts. 3. Gambling Content, Content distributed or transmitted contains elements of gambling, either directly or indirectly.

The rapid development of information technology has provided great opportunities for the service sector to improve efficiency and convenience, including in vehicle washing services. This research aims to develop a web-based system using the Laravel framework, which is designed to simplify the online ordering process and overcome queuing problems. The system features user authentication, location-based booking, payment gateway integration for real-time transactions, and an interactive dashboard for service providers. The case study was conducted at Carenmore, a vehicle wash service in Krian. The implementation results show that the system is able to reduce customer waiting time, provide a better user experience, and improve service efficiency. Further development is recommended to add a variety of features, improve interface design, and increase the system's ability to handle larger user loads.

An information system is used to manage and present data so that it benefits an organization. Effective financial management is crucial for government agencies, including the Medan City Transportation Department, to ensure transparency and accuracy in financial records. However, the manual method still used has weaknesses, such as recording errors and reporting delays. Therefore, this study aims to design and develop a web-based financial information system to address these issues.The system features transaction recording, financial reporting, real-time data processing, and more efficient budget management. This study uses the waterfall software development approach, which includes analysis, design, implementation, testing, and maintenance. The results show that this system can improve work efficiency, reduce errors in financial management, and support data-driven decision-making.  

Blockchain as a techonological tool that will change the way transactions in business and asset-based management are based. Simply put, blockchain is described as a series of records containing data managed by a group of computers in which there is no single entity, basically a blockchain like a digital ledger that can be accessed by anyone. The purpose of this study is to find out how the transformation of the development of accounting recording systems using blockchain technology is based on the results of analysis from literature studies. Literature study is a method of collecting data from various reference books and research results that have been referenced with the aim of obtaining a foundation for the problem being researched. The result of this research is how to transform traditional accounting into internet-based accounting using blockchain. This research provides implications regarding the application of blockchain to real-tine accounting reporting.

The development of digital technology based on Artificial Intelligence (AI) has had a significant impact on society, including the emergence of new crimes such as deepfake pornography. Deepfake pornography is a form of AI misuse that creates fake pornographic content by manipulating a person's face into a video or image without consent. This phenomenon raises complex legal issues within the Indonesian criminal law system. This study aims to examine how Indonesian criminal law regulates AI deviations in the form of deepfake pornography and to assess the effectiveness of these regulations in providing legal protection. This research uses a normative approach with qualitative analysis methods and the theory of legal effectiveness as the analytical tool. The research findings indicate that AI deviations in the form of deepfake pornography are not specifically regulated in Indonesia's positive criminal law. The applicable regulations are still general in nature, scattered across several laws such as the Electronic Information and Transactions Law (ITE Law), Personal Data Protection Law, Pornography Law, Sexual Violence Criminal Act Law, Copyright Law, and the Criminal Code (KUHP), which do not comprehensively address the technological aspects and psychosocial impacts of this crime. Based on Soerjono Soekanto's theory of legal effectiveness, the existing regulations are not yet effective, as seen from the legal substance, law enforcement, legal facilities and infrastructure, community factors, and legal culture. Therefore, a responsive legal reform is needed to keep pace with digital technological developments, along with strengthening the capacity of law enforcement institutions.

The application of fiqh in daily life is an important aspect of practicing Islamic teachings in a practical way. Fiqh, as a branch of Islamic knowledge that governs various aspects of life, not only covers ritual worship such as prayer and fasting but also includes muamalah (social transactions), food, clothing, and social ethics. This paper aims to examine how fiqh is applied in various daily life situations of Muslims, as well as the challenges and opportunities that arise in the process. Using a qualitative approach through literature review and interviews with fiqh practitioners, the study finds that despite variations in the application of fiqh due to differences in madhhab (schools of thought) and interpretations, most Muslims strive to implement fiqh teachings in a manner suited to the changing times and practical needs. The study also identifies that cultural factors, education, and access to information influence the understanding and implementation of fiqh in daily life. In conclusion, the application of fiqh in daily life is not only a religious obligation but also a moral and social guideline that can create harmony within society.   

This study aims to determine how satisfied people are in using the Action Link application which is a mobile banking owned by Bank Aceh Syariah. The growth of technology that continues to increase from year to year so that this can have an impact on society. Technology has developed rapidly and is increasingly modern, many companies are developing performance in the information sector so that people are adopted in using online services via smartphones such as the Action service (Aceh Online Transaction) at Bank Aceh Syariah. This study uses descriptive analysis as a research approach that uses qualitative research. The technique used in this study is to conduct interviews with customers and distribute questionnaires to users of the Action application. The results of the study show that M-Banking Action makes it very easy for customers to make transactions, but there are some shortcomings in the application because there are no complete features. The quality of service also certainly has an impact on customer perceptions in using the application so that customers are still less confident in using Action if the service provided is bad and there are still those who feel less safe in using it.

Default, or breach of contract, is a common problem in business transactions and can have significant impacts, both financially and non-financially. This article analyzes the various forms of default, such as failure to fulfill obligations, delays, or non-performance in accordance with the agreement. The impact of default is not only directly related to financial losses—for example through fines or damages—but can also damage business relationships and the company's reputation. Therefore, good contract design is very important in reducing this risk. Effective contract design should include clear clauses regarding obligations, deadlines, and sanctions that apply in the event of a breach. Penalty clauses are often used to provide incentives for the parties involved to fulfill their obligations. Furthermore, in the context of globalization and international transactions, it is important for contracts to include clear dispute resolution mechanisms, such as mediation or arbitration, to avoid escalation of problems. This article aims to provide practical guidance for companies in designing contracts that not only reduce the risk of default, but also ensure the sustainability of mutually beneficial business relationships. With a thorough understanding of legal risks and the implementation of appropriate mitigation measures, companies can maintain smooth operations and prevent major losses due to default.   Keywords : Default, Breach Of Contract, Contract Drafting, ,, , Mediation, Arbitration, Corporate Reputation, Risk Management.

This study examines the investment preferences of Generation Z, specifically their inclination toward gold investment. The research is based on secondary data obtained through literature studies focusing on Gen Z's investment behavior. The findings indicate that Gen Z tends to favor gold as an investment option due to several compelling reasons. One of the main motivations is the potential for profit, as gold is considered not only a stable asset but also one that offers promising long-term returns. In addition, gold is perceived as a safe investment amid economic uncertainty. Other influencing factors include: (1) security and stability, (2) ease of access and purchase through digital platforms, (3) long-term investment potential, (4) diversification of investment portfolios, (5) historical value and its role as a symbol of security, (6) easy and flexible transactions, and (7) protection against inflation. These factors highlight the strategic thinking of Gen Z investors who seek both financial security and growth through alternative investment instruments such as gold.

This study aims to address the challenges and propose solutions for the Optimization of Blockchain-Based Cybersecurity Systems to Enhance Resilience Against Ransomware Attacks using a Systematic Literature Review (SLR) approach. Blockchain is increasingly recognized as a transformative technology in cybersecurity due to its decentralized structure, transparency, and robustness in securing data. Despite these advantages, its widespread adoption is hindered by several challenges, including scalability, interoperability, high energy consumption, and limited access to representative ransomware datasets. This research highlights that integrating blockchain with advanced technologies such as data analytics, machine learning, and Explainable AI (XAI) can significantly enhance its effectiveness in combating ransomware.The findings reveal that Graph Convolutional Neural Networks (GCN) enable real-time detection of ransomware patterns in network traffic with an accuracy of up to 95%. Furthermore, Layer-2 solutions like the Lightning Network and sharding effectively alleviate the load on main blockchains, thereby increasing transaction throughput. Efficient consensus mechanisms, including Proof of Stake (PoS) and Delegated Proof of Stake (DPoS), address energy consumption issues, making blockchain more adaptable to IoT and resource-constrained environments. These approaches have proven successful in enabling early detection, mitigation, and prevention of ransomware in IoT systems, cloud infrastructures, and smart grid networks. The implications of this study underscore the potential of blockchain as a critical component of proactive and adaptive cybersecurity systems. However, overcoming existing challenges requires further development of hybrid frameworks that integrate blockchain with data analytics and machine learning technologies. In addition, efforts should focus on standardizing global security protocols to enhance interoperability and creating robust, diverse ransomware datasets to support more accurate detection systems. Future research should also explore methods to minimize latency and improve blockchain efficiency in real-time cybersecurity applications.

This research examines the role of Indonesian Notary Position Regulations (UUJN) in enhancing integrity and professionalism within the notarial profession in Indonesia. The study adopts a normative legal research methodology, integrating both statutory and conceptual approaches to evaluate the effectiveness of existing regulatory frameworks governing notarial practice. Primary objectives include analyzing the impact of current regulations on notarial standards, identifying implementation challenges, and developing recommendations for regulatory enhancement. The research findings demonstrate that while the UUJN serves as a crucial foundation for professional notarial practice, several significant challenges persist in its implementation. These challenges encompass technological adaptation requirements, increasing transaction complexity, and the need for stronger oversight mechanisms. Analysis reveals opportunities for regulatory refinement to address emerging professional demands while maintaining high standards of integrity. This study contributes to the existing body of knowledge by providing comprehensive insights into the relationship between regulatory frameworks and professional excellence in notarial practice. The findings lead to specific recommendations for regulatory enhancement, including strengthening supervisory mechanisms, developing continuous professional development programs, and harmonizing standards with international best practices. These recommendations aim to foster a more robust and adaptable notarial profession in Indonesia while maintaining its fundamental role in ensuring legal certainty and protection for society.

The execution of a loan agreement is a form of binding engagement between the lender and the borrower. This agreement must fulfill the validity requirements as stipulated in Article 1320 of the Indonesian Civil Code. In practice, there are still cooperatives that operate without legal entity status but continue to provide lending services, such as Pringkop Cooperative in Nobo Village, Ile Boleng District, East Flores Regency. This study aims to examine the implementation of loan agreements facilitated by Pringkop Cooperative, which operates without legal entity status, as well as the factors influencing the community's decision to engage in such agreements. This research employs empirical approach, utilizing primary and secondary legal materials. The analysis method applied is qualitative descriptive analysis. The findings of this study indicate that: (1) The execution of loan agreements in Pringkop Cooperative is conducted in a simple manner, without notarized deeds or legally valid written agreements, posing risks to both parties in terms of dispute resolution. Nevertheless, the cooperative continues to operate based on a trust system and an orally agreed-upon repayment mechanism. (2) The factors influencing the community to engage in loan agreements with Pringkop Cooperative include ease of access, trust in the cooperative, and the economic conditions of the community, which require quick loans without complex procedures. Additionally, social and cultural factors contribute to the sustainability of this practice, as family relationships and local customs play a significant role in loan transactions.

This article discusses the transformation of international payments that continues to develop along with technological advances and increasing needs for efficiency, speed, and security in conducting cross-border transactions. This development is marked by the innovation of international payments with the existence of CBDC (Central Bank Digital Currency) and its integration with fintech, as a digital currency issued by the Central Bank. In this study, the research method used is a qualitative descriptive method. Where data can be obtained through informal group discussions, literature studies, and from various sources of information related to the transformation of international payments, CBDC, and the fintech ecosystem. The results of the study show that there has been a transformation of international payments that started from manual or cash transactions, until now it can carry out digital payment transactions using CBDC payment innovations. However, there are challenges or risks in using CBDC, namely related to data security and privacy, new financial technology regulations, changes in consumer behavior, and financial stability risks. This article is expected to provide insight for industry players to be able to utilize the potential of CBDC and fintech in building a more modern and sustainable international financial system.

Bankruptcy is one of the main threats to business sustainability, especially for micro, small, and medium enterprises (MSMEs). This article explores the importance of financial planning, accurate record-keeping, and cash flow management strategies to mitigate bankruptcy risks, focusing on a case study of Rumah Makan Fajar Jeumpa. The findings reveal that irregular transaction recording, ineffective cash flow management, and the absence of structured financial strategies are key factors contributing to financial vulnerability. By implementing simple financial record-keeping systems, creating budget projections, and diversifying income sources, MSMEs can enhance operational stability and reduce financial risks. These findings emphasize that comprehensive financial planning, supported by adequate financial literacy, is crucial in ensuring business sustainability and fostering MSME growth.

This study aims to examine the application of Islamic economic philosophy values in economic decision-making in Indonesia. Islamic economic philosophy, based on the teachings of the Qur’an and Hadith, emphasizes principles of justice, balance, and public welfare. Using a qualitative approach, this research gathers data through in-depth interviews with practitioners, entrepreneurs, and academics involved in Islamic economics. The findings reveal that values such as justice in wealth distribution, prohibition of usury (riba), and the importance of meeting societal needs serve as key guidelines in economic decision-making. Moreover, the application of concepts like zakat, charity (sedekah), and transparent transactions are also essential factors in ensuring a fair and sustainable economic system. The study also identifies challenges in implementing these values, such as low public awareness and lack of adequate supporting infrastructure. However, there is significant potential to integrate these Islamic economic values into modern economic practices to create a more humane and just economic system. Therefore, strengthening education and understanding of Islamic economics is crucial to support better economic decision-making.

The rapid development of information technology and telecommunications has driven companies and MSMEs to adopt desktop, mobile, and web-based applications to enhance operational performance. PT HPS Painan Padang, previously relying on manual ticket bookings, faced challenges in efficiency and susceptibility to brokering practices. To address this, a web-based travel ticket booking application was developed, enabling customers to book tickets online more practically, quickly, and conveniently, anytime and anywhere. The integration of Natural Language Processing (NLP) technology in the form of a chatbot further enhances service efficiency and responsiveness. This feature provides real-time information on departure schedules, seat selection, and payment transactions while also supporting sentiment analysis and swift responses to customer feedback, ultimately improving service quality. The application, built using PHP, MySQL, and CodeIgniter with a Prototype development approach, adapts to changing market demands. Testing via GTmetrix on the https://desistravel.xyz/backend page demonstrated excellent performance with an 88% Performance score, 95% Structure score, and optimal Web Vitals metrics, indicating a fast, responsive, and stable platform. The final product is a user-friendly web-based ticket booking application supported by an intelligent chatbot, offering a seamless user experience, enhancing customer satisfaction, and streamlining the travel booking process efficiently.

This community service activity aims to improve the financial management ability of Micro, Small, and Medium Enterprises (MSMEs) chips in Tunggulsari Village, Brangsong District, Kendal, Central Java. Given the limited access to technology, the mentoring approach is carried out flexibly, combining manual and digital methods. Training focuses on using notebooks, simple tables, and calculators. For MSMEs that have access to smartphones, training is given on using simple financial recording applications. The activity results showed a significant improvement in the ability of MSMEs to record transactions and understand simple financial statements. Despite the obstacles to access to technology, this activity has succeeded in increasing financial capacity with an adaptive approach. Thus, it is hoped that MSMEs in Tunggulsari Village can make better business decisions and improve the competitiveness of MSME chips.

This article examines various aspects related to khamar, including its linguistic meaning, definitions, impacts, and the Islamic legal perspective on it. In Arabic, khamar means something that conceals or covers, referring to intoxicating beverages that impair rational thinking. Scholars provide various definitions of khamar, encompassing intoxicants derived from fermented grapes and other substances. From an Islamic perspective, khamar is considered to have more harmful effects than benefits, affecting social, economic, and health aspects. Although the trade of khamar may provide worldly profits, it is deemed contrary to Islamic teachings due to its potential to promote immorality and corrupt morals. The impact of khamar consumption on minors is particularly damaging, affecting their physical and mental health as well as causing broader social repercussions. Islamic legal sanctions against the consumption of khamar emphasize strict prohibition to prevent its use, although specific worldly punishments are not elaborated upon. This study highlights that despite the financial advantages it might offer, the negative consequences of khamar far outweigh its benefits and should therefore be avoided for the well-being of society.    

Akad is an essential element in Islamic economic transactions as it serves as the foundation of the agreement between the involved parties. The underlying principles of Sharia in managing contracts include justice, honesty, equality, and trust, with the aim of creating fair transactions in accordance with Islamic law. This article aims to examine the principles of Sharia in managing contracts and their implementation in various forms of Islamic economic transactions, such as Islamic banking, microfinance, and Shariah compliant capital markets. The qualitative approach is used with normative analysis of classical and contemporary Islamic literature, as well as a review of modern practices. The study's findings indicate that proper Shariah-compliant contract management not only ensures the legality of transactions but also enhances trust and blessings in economic activities. By understanding these principles, it is hoped that the community and economic players can implement contracts more wisely and responsibly.

This study aims to analyze the effect of financial literacy and risk perception on impulsive consumptive behavior on students of the Faculty of Economics, Sheikh Abdul Halim Institute impulsive consumptive behavior in students of the Faculty of Economics, Sheikh Abdul Halim Hasan Institute Binjai. Using a quantitative approach with an explanatory survey method, this study involved 56 respondents selected using accidental sampling technique. The regression analysis results show that financial literacy has a significant positive effect on consumptive behavior (B = 1.157; sig. = 0.000), while risk perception has a significant negative effect (B = -0.555; sig. = 0.017). Simultaneously, these two variables contribute significantly to consumptive behavior with a coefficient of determination (R²) of 61.4%. The results of this study reveal that high financial literacy can increase the tendency of consumptive behavior due to increased confidence in financial management, while high risk perception can suppress consumptive behavior through awareness of potential losses. This study emphasizes the importance of a holistic approach in the formation of healthy financial behavior, involving the improvement of financial literacy as well as education related to risk perception. The findings are expected to contribute to the development of more effective financial education strategies for economics students.