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Information technology has an important role in the continuity of business activities for MSMEs. The application of technology to build a business is called effective and efficient digital transformation for MSMEs. One form of digital transformation is in the aspect of recording transactions and finances called Point of Sale (POS). POS is an application in the form of an online cashier with integrated electronic transaction service features which is aimed at increasing the sustainable development of digital entrepreneurs or Digipreneurs through digital transaction services to analyze administrative and financial matters which can help MSMEs. This research aims to prepare for the digital transformation of MSMEs in using digital POS system applications using the I-TOE framework. This research is qualitative in nature with data collection techniques by conducting interviews with 6 MSMEs in Salatiga, Central Java. From the interview results, it can be concluded that through the I-TOE framework, it is known that the readiness for digital MSME transformation is influenced by several aspects (1) Type of business, (2) Age of the manager. (3) Human resources and (4) Environmental demands.

Continuous improvements in infrastructure, security measures, and user education can help address these weaknesses and improve the overall effectiveness of QRIS as a digital payment solution. Some of the roles of using QRIS in the millennial generation are convenience. QRIS makes it easy for millennials to make digital payments without the need to carry cash or credit/debit cards. They can simply use their mobile phones to scan the QR code and complete the payment transaction. QRIS transactions are processed in real-time, meaning payments can be completed almost instantly. Many digital payment platforms that support QRIS offer promotions and discounts to users who make payments using their platform. This is especially attractive to millennials who are always looking for ways to save money.

This study analyzes e-commerce platform preferences for digital marketing strategies among Generation Z students at the Institut Teknologi dan Bisnis Semarang using the Simple Additive Weighting (SAW) method. By evaluating four platforms (Tokopedia, Lazada, Shopee, TikTok) based on ease of use (25%), user experience (25%), promotions (15%), transaction security (15%), and product completeness (15%), the results show that Shopee leads (0.9333) with the best interface and features. TikTok (0.9080) excels in promotions but lacks security, Tokopedia (0.8820) remains consistent, while Lazada (0.8084) needs UX improvements. The implications suggest that platforms should optimize mobile interfaces, collaborate with influencers, and enhance visual search features to meet Gen Z’s demand for interactive experiences and economic value..

The spread of hoaxes through voice manipulation technology, such as voice changers, has become a significant issue in Indonesia in recent years. This technology allows perpetrators to manipulate someone's voice, which is then used to spread false information that can damage an individual's reputation, influence public opinion, and create social unrest. This study aims to analyze the legal aspects related to the misuse of voice changers in the spread of hoaxes, identify the challenges faced in law enforcement, and provide policy recommendations to improve legal protection for hoax victims. The methodology used in this research is normative legal research, with a normative approach focusing on the analysis of the Electronic Information and Transactions Law (UU ITE) and the Personal Data Protection Law (UU PDP), as well as other relevant regulations. The results show that although Indonesia has a sufficient legal framework to address hoax cases involving voice changers, law enforcement still faces challenges in terms of identifying perpetrators, proving voice manipulation, and the lack of more specific regulations. Additionally, victims have the right to legal protection, including compensation and clarification of false information. This study recommends enhancing the capacity of law enforcement, strengthening regulations, and improving digital literacy among the public to address the challenges posed by this technology.

The spread of hoaxes through voice manipulation technology, such as voice changers, has become a significant issue in Indonesia in recent years. This technology allows perpetrators to manipulate someone's voice, which is then used to spread false information that can damage an individual's reputation, influence public opinion, and create social unrest. This study aims to analyze the legal aspects related to the misuse of voice changers in the spread of hoaxes, identify the challenges faced in law enforcement, and provide policy recommendations to improve legal protection for hoax victims. The methodology used in this research is normative legal research, with a normative approach focusing on the analysis of the Electronic Information and Transactions Law (UU ITE) and the Personal Data Protection Law (UU PDP), as well as other relevant regulations. The results show that although Indonesia has a sufficient legal framework to address hoax cases involving voice changers, law enforcement still faces challenges in terms of identifying perpetrators, proving voice manipulation, and the lack of more specific regulations. Additionally, victims have the right to legal protection, including compensation and clarification of false information. This study recommends enhancing the capacity of law enforcement, strengthening regulations, and improving digital literacy among the public to address the challenges posed by this technology.

Mortgage rights are one of the most common legal forms of collateral used in financing transactions in Indonesia. Parate execution is one of the important innovations in the mortgage rights system. This mechanism allows creditors to sell collateral objects directly without going through court proceedings. This research aims to analyze the legal regulations regarding the execution parate for collateral rights objects in positive law in Indonesia, the effectiveness of the implementation of the execution parate for collateral rights objects in legal practice in Indonesia. The research method uses normative research methods and secondary data. The legal arrangements for execution parate in positive law in Indonesia have been well designed to meet practical needs in debt settlement. The execution parate is one of the important mechanisms in the guarantee legal system in Indonesia, especially in the context of mortgage rights.  However, its implementation still faces challenges, especially in terms of protecting debtor rights and potential abuse by creditors.

PSAP or Government Accounting Standard Statement, which is the standard used in government accounting processes. This standard regulates the procedure of recording, reporting and disclosure of the financial transactions of the notice whether it has been in accordance with the applicable accounting principles. The Inid Research aims to find out whether the agricultural and food security services of the city implement fixed asset assessment in accordance with the statements of government accounting standards (PSAP NO. 07). Fearing Highlights, assessments, measurements and disclosure of fixed assets on the financial report (balance). The research method used is descriptive, i.e. how an asset is recognized, assessed, measured and disclosed in the financial report (balance). And From the results of the study, it shows that assessment, Measurement, Confessor, and Disclosure of fixed assets such as land, building, Computer and Other Fixed Assets That Have been As per Researched by the Standing Statement of Accountant Sign 07. This research is expected to increase the transparency and accountability of public financial resources.

Human Trafficking is a crime in the form of human transaction. In Indonesia order to ensnare perpetrators of human trafficking, we use Law Number 21 of 2007 concerning the Eradication of Criminal Acts of Human Trafficking. The purpose of this study is to determine and analyze the factors that cause human trafficking, the consequences of human trafficking crimes and how to overcome human trafficking crimes in the perspective of criminology, the negative impacts of human trafficking on the social environment. This study uses a normative legal research method, the data used is primary data. The analysis technique used is a qualitative approach. The results of this study are that human trafficking crimes seen from a criminological perspective can be associated with many things, including lack of awareness of poverty, low education, the desire to get rich quick, cultural factors, law enforcement. Human trafficking prevention can be classified into two types. Preventive prevention efforts are all efforts to reduce the space for movement and opportunities for crimes to be committed, and repressive prevention efforts are actions taken by law enforcement officers after a crime or criminal act has occurred. In eradicating and reducing trafficking, cross- country cooperation is also needed.

E-commerce has become one of the significant innovations in the world of trade, offering various benefits for consumers and businesses, especially Micro, Small and Medium Enterprises (MSMEs). This research aims to explore the benefits and limitations of e-commerce for both parties. For consumers, e-commerce provides the flexibility to shop 24 hours a day without location restrictions, reduces the need for travel, and provides quick access to product information. Consumers can also enjoy a wider selection of products, competitive prices, and services such as virtual auctions and fast delivery. These advantages open up opportunities for consumers from various economic circles to obtain the desired products more easily.  On the other hand, entrepreneurs, especially MSMEs, benefit from operational cost efficiencies, the ability to reach global markets, and the potential for specialized business success. However, there are some limitations, such as lack of security, risk of fraud, and imperfections in the visualization of products offered online. Entrepreneurs also face challenges in managing websites, intense price competition, and legal uncertainty regarding online transactions. Nevertheless, the use of e-commerce continues to grow, supported by the increasing number of internet users and technological advances. The results of this study show that although e-commerce has constraints, the advantages it offers, in terms of efficiency, market reach, and ease of access, far outweigh its limitations. Therefore, optimal utilization of e-commerce can drive economic growth, improve the competitiveness of MSMEs, and expand consumer access to products and services in the digital era.  

This community service program aims to empower Micro, Small, and Medium Enterprises (MSMEs) through business development based on the sharia economy. MSMEs have a strategic role in the economy, but still face various challenges, especially in the application of sharia economic principles that can increase competitiveness and the desire to do business. This program is designed to improve Islamic financial literacy, introduce business contracts in accordance with sharia, and provide halal digital marketing training. The method of implementing the activity includes a participatory approach with various stages, ranging from problem identification, training, mentoring, to success evaluation. The target of the program is MSME actors in certain regions who have great potential to adopt the concept of sharia economics in their businesses. The results of this activity showed an increase in participants' understanding of the concept of sharia economics, followed by changes in business practices that are more in line with Islamic principles. Some participants began to implement sharia contracts in their transactions, access sharia financing, and take advantage of halal branding-based digital marketing. This program also found several obstacles, such as low initial understanding of the sharia economy, limited access to Islamic financial institutions, and resistance to changes in the business system. However, through intensive strategy education and support from various parties, most of these challenges can be overcome. The conclusion of this activity is that business development based on the sharia economy can be a solution for MSMEs in increasing their competitiveness in the wider market. The next program recommendations include strengthening digital-based education, increasing access to sharia capital, and establishing a sharia-based MSME community as a forum for collaboration and sustainable business development.

In today's world of retail and technology, competition is fiercely competitive. With the development of retail businesses increasing in number and mushrooming in a region, consumer needs are increasing, and retail business players are competing to develop their businesses by utilizing existing technology. Daily sales transaction data continues to increase, causing a lot of storage. Toko Ira has more than 228 sales transaction data records from 2023 to 2024 that have not been used. Data requires a lot of storage space. Additionally, the data has not been used in an effective way. Based on this problem, this research aims to use data mining to classify sales transaction data to determine which items are selling best. This research is a case study with a qualitative approach. This research was conducted with the Naive Bayes method and Rapidminer was used. The results of the sales transaction data classification research are the division of products into best-selling and non-selling categories. The results of this research show that the K-Nearest Neighbors (KNN) algorithm with a 50:50 data division is more effective in predicting and classifying sales of best-selling and non-selling products in IRA stores. The results show that the Naive Bayes algorithm has an accuracy of 89.91%, while the K-Nearest Neighbors (KNN) algorithm has an accuracy of 60.09%.

This final report aims to design a website-based electronic archiving system using PHP and MyAdmin. The data collection method used by the author in this research is the field research method through interviews, observation, library research, and descriptive qualitative data analysis techniques using the waterfall method, namely the Development Life Cycle (SDLC) system, which is used to develop information systems in the website creation process. This method uses a systematic and gradual approach. This electronic filing system can help companies overcome various obstacles when recording and rediscovering documents. Automating processes in the system in systematic recording and storage can save time and help provide information quickly so that the administrative process is smooth. Reduces the use of paper (less paper) because documents are stored in digital format, so documents will not pile up and can reduce the use of archive storage space. In electronic archiving, there is no longer a need to manually record the agenda for incoming and outgoing letters, because when recording transactions, incoming or outgoing letters will be automatically recorded on the agenda for incoming or outgoing letters. For the system to continue running optimally, it is recommended that companies carry out employee training, routine system maintenance, continuous development, implementation of information security policies, and regular system performance monitoring.  Implementing these recommendations is expected to increase operational efficiency and accessibility of company information

This study aims to examine the consumer behavior of teenagers in pagerbarang village in using ShopeePay and analyze it from the perspective of Islamic consumption ethics. Data were collected through in-depth interviews with twenty teenagers selected using the snowball sampling technique. The results indicate that consumer behavior is influenced by discounts, promotions, transaction convenience, and social pressure. Teenagers tend to make impulsive purchases driven by emotional needs and low financial literacy. From the perspective of Islamic consumption ethics, such behavior contradicts the principles of moderation (qanâ’ah) and prohibition of extravagance (israf). Teenagers often overlook these values due to social and technological influences that facilitate easy transactions. Therefore, increasing awareness of financial literacy and religious values is crucial to fostering more prudent consumer behavior.

In the modern era, financial services have increasingly integrated with technological advancements, one example being donation-based crowdfunding that operates through online financial platforms. Kitabisa.com is an online platform that facilitates donation transactions between campaigners and donors but does not assume responsibility for the actions or information provided by campaigners, donors, or other users. This creates significant potential for disputes among these parties. This study examines two key issues related to the standard contracts used in donation-based crowdfunding: the unilateral dispute resolution provisions created by the platform and the effectiveness of resolving disputes through alternative dispute resolution (ADR). Using a case study approach focused on Kitabisa.com's standard contracts, the research employs descriptive-qualitative analysis of collected data and literature. The findings reveal that while some contracts include ADR clauses, others do not, and the effectiveness of ADR in resolving disputes is limited, with few cases being publicly reported.

This research aims to analyze the influence of the application of information technology on increasing the efficiency of business processes in the banking sector. In an increasingly competitive and dynamic business environment, operational efficiency is one of the keys to success for banks. The application of information technology through various digital systems, such as Internet Banking, Mobile Banking, and cloud computing-based platforms, has been proven to speed up transactions and reduce operational costs. Apart from that, automating business processes through ERP and CRM also increases accuracy and makes data-based decision making easier. However, the implementation of this technology faces challenges, such as limited technical skills and organizational cultural resistance. However, proper use of IT can increase productivity, customer satisfaction and strengthen the bank's competitive position. This research provides insight into the importance of IT investment in supporting digital transformation and operational efficiency in the banking sector.

In the modern era marked by technological advances, the use of smartphones has become an important part of everyday life. This technological advancement encourages people to continue to update the way they carry out their daily activities. Smartphones make various activities easier, including long-distance communication which now feels closer thanks to sophisticated technology. This sophistication is enjoyed by various groups regardless of age or profession. The digital payment system has experienced rapid development, providing significant convenience for its users. This technology plays a strategic role in encouraging the revitalization of MSMEs by offering fast, safe, and efficient transaction solutions. In the context of developing MSME digitalization, the digital payment system not only makes it easier for business actors to manage transactions but also increases consumer convenience in shopping. With proper implementation, digital payments support the operational efficiency of MSMEs, expand market access, and accelerate the adoption of the digital ecosystem. Based on research results, the use of digital payment systems has been proven to contribute positively to the transformation of MSMEs, helping them become more competitive and able to adapt amidst changes in the increasingly digital economic landscape. This emphasizes the importance of adopting digital payment technology as an integral part of the MSME revitalization strategy. This study aims to analyze the positive impact of the use of technology, especially in online marketing, digital payment systems on the revitalization of MSMEs.

This study aims to explore the ethical dimensions of halal supply chain management through the utilization of artificial intelligence (AI). In the context of globalization and the rising demand for halal products, understanding how technology can support not only operational efficiency but also adherence to Islamic principles and ethics is crucial. The research examines the integration of AI technology in each phase of the halal supply chain, from the procurement of raw materials to the distribution of final products. Through literature analysis and case studies, the research identifies the ethical challenges faced at each stage, including transparency, accountability, and fairness in transactions. Furthermore, the study offers recommendations for developing ethical guidelines that can guide effective and responsible halal supply chain management practices. Findings suggest that with the appropriate application of AI, companies can enhance consumer integrity and trust while strengthening their position in the rapidly growing halal market. This research contributes to the existing literature on halal supply chain management and emphasizes the importance of incorporating ethical considerations in the digital era.

The cross – border fintech payment industry faces many cybersecurity issues, including the possibility of data theft, fraud and low efficiency due to reliance on conventional intermediaries. Based on decentralized and cryptgrahpic system, blockchain technology can improve the security and efficiency of cross – border payments. The purpose of this study is to see how the implementation of blockchain affects the transparency, speed and cost of transactions. Using literature studies and case analysis, it was found that blockhain technology can reduce the risk of fraud by making institutions transparent and immutable. In addition, it allows for automated payments through smart contracats, scalability, regulation and technology adoption are some of the challenges that still hinder its implementation. The results of the study show that blockchain is an innovation strategy that has the potential to transform payments across the fintech sector, but it requires synergy between technology, policy and industry players for optimal implementation.  

Community service activities aim to increase understanding and knowledge about digital or non-cash payment systems. This service was carried out at the MSMEs of the "Bu Yani" Grocery Store located in Karanglo, Argomulyo, Sedayu District, Bantul Regency and the MSMEs of the "Bu Ratmi" Grocery Store located in Balong, Kaligintung, Temon District, Kulon Progo Regency. The stages used in service activities are 1. Observation, 2. Presentation, 3. Training and Mentoring, 4. Evaluation. The result of this service activity is that MSME actors already understand QRIS and its benefits as an effective means of payment transactions, and the two grocery store MSMEs already have a new payment instrument with non-cash payments.

Shariah-compliant investments follow Islamic principles, such as the prohibition of riba, gharar, and maysir, which emphasize fairness and transparency. In the digital era, apps like Ajaib utilize technology to improve efficiency and ensure sharia compliance. This research analyzes the efficiency and sharia compliance of the Ajaib app using a literature study, as well as secondary data from journals, sharia regulations, and official Ajaib documents. The analysis was conducted using a content analysis approach to evaluate the suitability of application features with sharia principles. The results showed that Ajaib has excellent features, such as education, magic bag, stop loss, take profit, and advance charting, which support efficient investment. The stock screener and speed order book features assist users in making quick decisions, while DSN-MUI-certified Islamic mutual funds ensure halal investments. The fast and transparent transaction process makes Ajaib easy to use and compliant with sharia principles. However, the analysis also found some shortcomings, such as a limited selection of Islamic mutual funds, less varied payment methods, and the absence of personalized consultation services. Compared to other apps, Ajaib needs to improve these shortcomings to be more competitive. This study concludes that operational efficiency and sharia compliance are critical to the sustainability of sharia investment in Indonesia. Further research is recommended to examine the user experience directly and compare Ajaib's performance with other platforms.