Publication Search

The purpose of this study is to determine the implementation of profit-sharing agreements among fishermen in Campurejo Village. Profit-sharing among fishermen is an agreement made by two or more parties with the shared goal of utilizing capital to generate profits. Profit-sharing has been practiced by Indonesian society for a long time, with its implementation usually carried out verbally without clear documentation. Another issue arising from profit-sharing is the limited access to capital sources for the majority of fishermen. This study uses a qualitative approach with an ethnomethodology method, and data collection techniques include documentation, interviews, and observation. Interviews were conducted with the "Juragan" fishermen and the "Belah" fishermen. The data analysis technique used in this study is data triangulation. The results of this study show that the profit-sharing practiced by the fishermen community in Campurejo Village follows the mudharabah profit-sharing model, with a profit-sharing ratio of 50% to 50% and 60% to 40%. The profit-sharing practiced by the fishermen community is in accordance with Sharia principles. The researcher recommends documenting transactions in a simple manner to strengthen cooperation with written evidence that will be useful in the future.

PT Astra International BMW Semarang is a company operating in the automotive sector with 3 supporting pillars, namely Sales, Aftersales and Spare Parts for BMW car units. The availability of spare parts is one of the determining factors for consumer satisfaction with the company because if the spare parts stock is empty it will cause consumer disappointment with the company. By using spare parts sales transaction data for the period January 2019 – June 2023, totaling 52,162, it will be utilized using data mining association techniques with the a priori algorithm and the eclat algorithm. The problem in this research is how to find out consumer purchasing patterns so that there is no shortage or empty stock of spare parts in the warehouse. This research aims to determine the association of spare parts purchasing patterns in sales transactions so that partman get recommendations in making decisions about providing priority types of spare parts. This research methodology uses CRISP-DM (Cross-Industry Standard Process for Data Mining) and is implemented with the R programming language with R studio software. In 3 trials using the Apriori algorithm and 3 trials with the Eclat algorithm, The result with the highest confidence appears in a combination of 3 itemsets with minimum support 0.01 and confidence 0.9, namely if a customer buys B11.42.8.593.186 (Set oil-filter Mx) and B83.12.5.A1A.683 (Washer Cleaner) then they will also buy Z99000000333 ( BMW Engine Oil) with confidence 1.00 or 100%. From the results of this association's analysis, it can be used as advice for the management of PT Astra International BMW Semarang in managing spare parts stock.

The expansion of the scope of People's Economic Bank (BPR)s to enter the capital market is new in Indonesia. The legal arrangements are not yet fully regulated. Several obstacles are experienced by BPRs towards the capital market. Therefore, innovations are needed that can make BPRs enter the capital market by applying some existing legal arrangements even though they are not specifically regulating BPRs. The purpose of this study is to determine the barriers and innovations in the framework of BPR towards the capital market. Normative legal method by taking a statutory and conceptual approach. There are several challenges BPR in heading to the capital market. The answer to these challenges is innovation. The existence of innovations that can be applied to BPR in order to go to the capital market can be seen from the legal arrangements that already exist in other fields but can be applied in the BPR. BPR experiences several obstacles, including (1) Changes from closed to public LLC must go through several processes before heading to the capital market, (2) Changes in share ownership that can determine company policy and (3) Capital fulfillment factors required by the capital market. The innovations made are (1) the fulfillment of corporate governance, (2) Share ownership arrangements that can still be held by families with (a) The form of holding companies and subsidiaries with certain ownership arrangements, and (b) Applying dual class shares, (3) BPRs that have not met the capital requirements can enter through the OTC market with reporting obligations in each securities transaction.

This research analyzes the factors that influence the success of e-commerce applications in increasing sales in the digital era. With the development of technology and changes in consumer behavior, e-commerce has become one of the main platforms for businesses to reach customers more widely. The main factors analyzed include user experience, transaction security, product quality, customer service, digital marketing strategy and innovation. The research results show that the combination of these factors significantly influences purchasing decisions and customer loyalty. Good user experience, guaranteed data security, and effective marketing strategies are proven to increase sales and consumer trust. This study provides important insights for business people in maximizing the potential for implementing e-commerce in the competitive digital era.

The research focuses on identifying sell signals and buy signals in stock buying and selling transactions using technical analysis used by investors to achieve optimal profits. This study compares the influence of MACD and RSI indicators on sell signals and buy signals before and after using Islamic banking stocks listed on IDX. Next, to find out which indicator is more effective in identifying sell and buy signals. The research method used is quantitative with a descriptive research design . The data analyzed is secondary data obtained from data samples from PT. Bank Syariah Indonesia Tbk, PT. Bank BTPN Syariah Tbk, PT. Bank Panin Dubay Syariah Tbk, PT. Bank Aladin Syariah Tbk for the period 2018-2022. The result of the study is that there is no significant difference between sell signals and buy signals before and after the use of the Moving Avergence Convergence Divergence indicator and the Relative Strength Index indicator. Based on the t-test, each indicator states that using the RSI indicator has a positive value.

Assistance with digital financial reports using the Jaraya application for culinary MSMEs aims to increase the understanding and skills of MSME players in managing financial reports in a more efficient and structured way. Culinary MSMEs often face challenges in accurate and transparent financial records, which can affect their business decisions and business growth. In this program, the Jaraya application is introduced as a practical solution to simplify the process of recording transactions and creating digital financial reports. Assistance is provided through direct training, application usage simulations, and discussions to overcome problems faced by business actors. The results of this assistance show an increase in MSME players' understanding of the importance of organized financial reports and their ability to use the Jaraya application to monitor cash flow, manage profit and loss, and make better business decisions. This program is expected to have a positive impact on more efficient financial management and support the growth of culinary MSMEs in the future.

Warung Awi is a micro, small, and medium enterprise (MSME) that has been operating since 2009 and has become one of the leading culinary destinations in Batam City. However, the business has encountered various challenges, particularly in managing raw material inventory. Therefore, it is crucial for Warung Awi to adopt a more effective and efficient inventory management system. One approach to address this issue is by implementing the Economic Order Quantity (EOQ) and Reorder Point (ROP) methods. Data collection was conducted using both primary and secondary methods, including transaction records and interviews with the business owner. The results of this study produced a web-based system that assists the owner in managing inventory. The implementation of this system received positive feedback from the owner, as it significantly improved efficiency in inventory recording and management.

Warung Awi is a micro, small, and medium enterprise (MSME) that has been operating since 2009 and has become one of the leading culinary destinations in Batam City. However, the business has encountered various challenges, particularly in managing raw material inventory. Therefore, it is crucial for Warung Awi to adopt a more effective and efficient inventory management system. One approach to address this issue is by implementing the Economic Order Quantity (EOQ) and Reorder Point (ROP) methods. Data collection was conducted using both primary and secondary methods, including transaction records and interviews with the business owner. The results of this study produced a web-based system that assists the owner in managing inventory. The implementation of this system received positive feedback from the owner, as it significantly improved efficiency in inventory recording and management.

This research aims to examine the impact of QRIS (Quick Response Code Indonesian Standard) on students' shopping habits in the digital era, focusing on students at STIA Lancang Kuning Dumai. This study uses a qualitative approach with in-depth interviews and focus group discussions (FGD) to explore students' experiences and perceptions regarding QRIS use in their shopping activities. The findings indicate that QRIS has provided students with convenience, efficiency, and security in digital transactions, although some students face barriers related to technological literacy and network issues. QRIS has influenced shopping habits by encouraging more online shopping. These findings contribute to understanding the role of digital payment systems in changing students’ consumption behavior.

Cakwe Cigombong, a micro business located on Jalan Cibogo, Kelapa Dua District, Tangerang Regency, Banten, faces challenges in improving its branding to attract a wider consumer base. An effective branding strategy is very important to support the growth and competitiveness of these MSMEs. This community service activity aims to design and implement branding improvements that are tailored to business needs and conditions. The interventions carried out include the creation and installation of promotional banners, the development of more attractive menu designs, and the integration of the QRIS digital payment system to facilitate transactions. The results show that these efforts increase the attractiveness of the product among consumers. By adopting this branding strategy, Cakwe Cigombong is in a better position to compete and grow in the local market.

Fractions and decimals are basic mathematical concepts that have an important role in various aspects of daily life. This article discusses how fractions and decimals are used in daily activities such as measuring, calculating, and carrying out financial transactions. For example, in cooking, fractions are used to measure food ingredients, while decimals often appear in weight and length measurements. In economic transactions, decimals are key in rounding numbers and calculating prices. This article also explains the importance of understanding conversions between fractions and decimals to make decision making easier, both in personal and professional contexts. By providing applicable examples, it is hoped that this discussion can increase appreciation of the role of fractions and decimals in real life and encourage deeper mastery of these concepts.

The use of artificial intelligence (AI) in banking has grown rapidly in recent years, providing opportunities and challenges in dealing with it. AI in the banking world is expected to facilitate use, strengthen customer data security, and optimize risk management. This article aims to analyze the level of customer user experience towards banking services by utilizing artificial intelligence (AI). The analysis technique used in this study is descriptive with a quantitative approach, involving 100 respondents of various ages, various jobs and various educational backgrounds. The main requirement for respondents is that they are customers of various conventional banks in Ponorogo Regency who have used artificial intelligence (AI)-based banking services. Data were collected through questionnaires supplemented with secondary data in the form of documents related to the implementation of artificial intelligence in the banking service system. The application of AI in the banking sector is the detection and prevention of fraudulent transactions in real time, identity verification through biometrics, identity verification through biometrics, chatbots and virtual assistants for customer service, detecting suspicious activity, and the use of smart wallets. The findings in this study explain that artificial intelligence (AI) is able to increase the efficiency of services to customers, provide a better experience, and improve the quality of banking services. Customers are greatly helped by the use of artificial intelligence (AI)

Nowadays, the development of transactions in fi nacial institution very rapidly, both in the new contracts, development of contracts that already exist, or a combination of the two contracts that have been established. This is a response of fi nancial institutions to the need of modern society, as well as an effort to give alternative business transactions to its customers. Derivatifs transactions is hybrid investment, grafts from the original, or new transactions arising as a form of deviation or development or specifi city of the transactions that have been established. These transactions usually have patterns similiar to original transactions, but there are different things that are infl uenced by certain considerations such as tradition, mashlahah, etc. As for the models of derivatif transactions in islamic fi nancial institution are : the merging model (include : mudarabah mushtarakah, bai’ ‘inah, bai’ tawarruq, bai’ wafa and beli gadai emas), improvement ( include : mudarabah and musharakah with jaminan, mudarabah and musharakah parrarel, and rahn tasjily), and qiyas model (include : paroan, pro telon, pro papat, etc). Ulama have argued that derivatif transactions based on the principle “al-ashlu fi al-mu’amalah al-ibahah, hatta yadullu al-dalil ‘ala tahrimihi. Departing from this principle, then the Ulama allow, ikhtilaf, and forbid the derivatif transaction.

This study aims to determine whether transaction ease and integrated services influence the decision to use the GoPay e-wallet. The independent variables in this research are transaction ease (X1) and integrated services (X2), while the dependent variable is the decision to use GoPay (Y). The population of this study consists of undergraduate and diploma students (S1 and D4) from the Faculty of Economics at Universitas Negeri Jakarta. The sampling technique employed was random sampling, with primary data collected through a Likert-scale questionnaire. The data obtained were analyzed using Stata 13 software through classical assumption tests and multiple linear regression analysis. The results indicate that, partially, transaction ease and integrated services do not significantly influence the decision to use GoPay. However, simultaneously, these variables collectively affect the decision to use GoPay.

In general, products that are bought and sold in the capital market are company ownership rights and company debt statements. Buyers in the capital market can be individuals, institutions or organizations who are willing to set aside funds to invest in the capital market. In securities trading transactions in the capital market, there are two forms of legal protection, namely, preventive legal protection and repressive legal protection through Law Number 8 of 1995 concerning Capital Markets and the connection with the existence of BAPEPDAM (Capital Market Supervisory Agency) which has changed its name to Authority. Financial Services (OJK). However, in practice there are still crimes involved, one of which is cornering the market The cause of cornering the market in the capital market begins with widening stock spreads and increasing share price volatility. However, the Capital Market Law still has weaknesses in terms of handling practices in the form of cornering the market, so it is still considered inadequate. And can optimize the imposition of prison sentences on perpetrators of cornering the market in the capital market as has been implemented by the United States.

The practice of “All You Can Eat” (AYCE) is a food serving model where customers pay one fixed price to enjoy various types of all-you-can-eat dishes within a certain time limit. This concept has become a global trend and is widely implemented in Indonesia, especially in Japanese and Korean themed restaurants. As a modern form of muamalah, AYCE raises questions in the perspective of Islamic law because it involves aspects of economic transactions that must fulfill the pillars and conditions of buying and selling according to Islam. This study examines the mechanism of AYCE, starting from the payment system, time policy, and additional rules such as fines for uneaten food. In addition, it discusses the application of the pillars and conditions of buying and selling in Islam, which include clarity of goods, valid contracts, and voluntary consent of the parties involved. The main focus is on the potential element of uncertainty (gharar) in AYCE practices, especially regarding the different portions of food consumed by customers, which forms the basis of the Islamic legal analysis of this concept. This research aims to provide a comprehensive view of the relationship between the AYCE concept in the light of Islamic law.

This study explores the implementation of the Midtrans payment gateway system on the Bloxstore.id website using the Prototyping method. The main objective is to enhance the website's payment transaction process by integrating an efficient and secure payment gateway. The Prototyping method was chosen for its iterative approach, which allows for continuous feedback and system refinement. This research demonstrates how the integration of Midtrans improves the user experience by streamlining the payment process and offering various payment options. The results indicate significant improvements in transaction speed, security, and user satisfaction. This study’s findings are valuable for e-commerce platforms looking to optimize their payment systems and build customer trust through secure and efficient transaction methods.

Technological advancements have had a significant impact on facilitating financial transactions, one of which is through the use of digital payment systems. ShopeePay, as one of the e-wallets that has rapidly grown in Indonesia, offers convenience in making cashless transactions. Although ShopeePay is becoming increasingly popular, several factors still influence the behavior of its use, particularly among Generation Z. This study aims to analyze the factors that affect ShopeePay usage behavior among Generation Z students at the Universitas Muhammadiyah Surakarta using the UTAUT model. The sampling method used is convenience sampling. This quantitative research uses primary data collected through an online questionnaire via a Google Form link. A total of 275 respondents are involved in the study. Data analysis is conducted using the Smart PLS application. The results of the study indicate that performance expectancy, social influence, and facilitating conditions have affect use behavior, while effort expectancy does not have use behavior. This study emphasizes the importance of performance, social, and infrastructure support aspects in enhancing the acceptance of ShopeePay as a digital payment technology.

This study aims to analyze the influence of financial literacy, digital payment, and interest in using e-commerce on the income of MSMEs in the trade sector in Surakarta City. Financial literacy reflects the ability of business owners to manage finances effectively, while digital payment and e-commerce play a crucial role in supporting transactions and digital marketing. Data were collected through questionnaires distributed to 115 respondents selected using purposive sampling. The results of multiple linear regression analysis indicate that financial literacy, digital payment, and interest in using e-commerce have a significant positive effect on MSME income. These findings highlight the importance of improving financial literacy and adopting digital technology as strategies to enhance MSME performance and income. 

The use of the internet is not only limited to utilizing information that can be accessed via social media, but can also be used as a means to carry out trade transactions that have been introduced in Indonesia, namely e-commerce. In e-commerce transactions in cyberspace, it is possible for disputes to occur, just like disputes that occur in a conventional legal relationship. The more numerous and extensive trading activities and e-commerce transactions, the higher the frequency of disputes and this means that there will be many disputes that must be resolved. One of the payments in e-commerce is COD (Cash On Delivery) which is made on the spot after the order from the courier is received by the buyer. In fact, there have been several cases that have resulted in losses felt by the seller in a buying and selling transaction via e-commerce. How to alternatively resolve consumer disputes through an out-of-court settlement process, and how to provide legal protection for consumers and business actors.