Publication Search

Marketplace system is a means of meeting sellers and buyers online, in this case service providers and car renters. With this information system, renters no longer need to bother looking for the required car that matches the criteria, and service providers are also easier in marketing and expanding their marketing reach. This system was built using the RAD (Rapid Application Development) method of development which allows customers to place orders, select vehicles, eliminating complexity in the traditional process involving visits to rentals. In car rental services there are several problems that need to be resolved. First, there is no web-based information system service that makes it easy for customers to access car rental service company information. Second, conventional services are still fairly slow. Currently, reservations are made in two ways, namely coming to the place or contacting the telephone number on Whatsapp so that prospective tenants have to wait for a response from the rental provider to get information about prices and available cars. Therefore, a car rental information system is needed that specifically serves fleet rental with online booking to display transaction information in the form of car rental and return on the system dashboard to support strategic purposes. This research focuses on building a car rental information system using the PHP programming language with the CodeIgniter framework.  

The emergence of financial technology (fintech) has brought significant disruption to the conventional banking industry. Fintech offers faster, cheaper and more accessible financial services, which appeal to many customers, especially the younger generation. This study aims to analyse the impact of fintech on the future of conventional banking, with a focus on Bank Mandiri, one of the largest banks in Indonesia. The results show that fintech has a significant impact on various aspects of conventional banking, including: 1) Products and services. Fintech offers innovative and diverse financial products and services that conventional banks cannot access. 2) Distribution channels: Fintechs utilise digital technology to reach customers directly, without the need for physical branches. 3) Business model. Fintech has a more efficient and cost-effective business model compared to conventional banks. 4) Customer engagement. Fintech offers a more personalised and interactive customer experience. Bank Mandiri shows that the bank has taken various strategic steps to face competition with fintech, such as: developing digital services, collaborating with fintech startups, improving operational efficiency. Disputes between fintech consumers and fintech service providers can be resolved through: negotiation, mediation, arbitration, court and legal comparison with default. In addition, we also highlight the need for collaboration between government agencies, industry players, and the tech community to develop a comprehensive and adaptive regulatory framework.

This study aims to analyze and compare the financial performance of Islamic banks and conventional banks in Indonesia using library research methods. Data sources come from related literature such as scientific journals, articles, previous research reports, and relevant online sources. Bank financial performance is measured through several ratios including capital ratio (CAR), asset quality (NPL), liquidity (LDR), profitability (ROA and ROE), and efficiency (BOPO) which are calculated based on the bank's financial statements. The results of the analysis show that in general the financial performance of both types of banks is in a healthy condition and meets regulatory standards. However, there are differences in performance in several ratios individually. Conventional banks tend to have better performance in CAR, NPL, BOPO, and ROA ratios, indicating better capital quality, assets, operating costs, and profitability. Meanwhile, Islamic banks show better liquidity performance (LDR) and asset growth. However, the difference in performance is not yet fully statistically significant. In general, the financial performance of conventional banks is superior. However, the performance of Islamic banks also experienced an annual increase. To improve competitiveness, Islamic banks need to continue to make improvements, especially in terms of capital, cost management, credit quality, and increasing fee-based products. Both types of banks have developed and operated harmoniously without causing significant financial turmoil. The results of the study are expected to provide a stronger picture of the comparison of the financial performance of Islamic and conventional banks in Indonesia.    

As time goes by and changes in technology also change behavior in society. The impact of technology is not only positive but also negative, one of which is online gambling or slots which is currently popular in society, especially among teenagers. The aim of this PKM in the field of law is one of the KKM programs for students from group 42 of Bulakan Village, Bina Bangsa University as a form of awareness of online gambling which has a negative impact. The method for implementing PKM this time is holding a legal seminar on the dangers of online gambling specifically for teenagers as the target participants considering that there are many online gamblers among teenagers. The results of this PKM conclude that there is a negative impact on online gambling players and online gambling players can be caught in the Law on conventional gambling and the Information and Electronic Technology (ITE) Law.

The objective of the research is to find out the effectiveness of the use of Flashcards to increase the students’ vocabulary of descriptive text of the eighth grade in SMPN 5 Blitar The design of this research was a quasi-experimental research with a Nonequivalent Control Group Design. The population of this research was the students of SMPN 5 Blitar. The sampling technique in this research is simple random sampling. The sample was 30 students of Class VIII D as the experimental group who was given a new method using flashcards applicationand 25 students of Class VIII E as the control group who was taught using conventional strategies. The research instruments were pre-test and post- test which analyzed by using an independent sample t-test. Furthermore, the result showed that the mean score of the D class that used the Flashcards Application was 80,80, whereas the mean score of the E class that did not use Flashcards was 72.00. the conclusion is the Flashcards application is effective to improve the students’ vocabulary mastery of descriptive text which can be seen in the result of the independent sample t-test, the t test is 4.649 > t table 2.002, then Ha is accepted and H0 is rejected.

In this modern era, people have various activities and to fulfill these activities, people need transportation as a supporting tool/assistant tool in carrying out their activities. Therefore, transportation service entrepreneurs are competing to attract the interest of their consumers by improving services, ease of ordering, fleet comfort, punctuality and so on. In Indonesia, there are many types of transportation that also function as public transportation, namely transporting people/goods and collecting agreed fees. The general public is currently familiar with two types of transportation, namely application-based online transportation and conventional transportation. Where application-based online transportation is the transfer of goods and people from place of origin to destination. The current flow of technological developments is something that must be understood and whether we like it or not, we must keep up with the flow of technological developments, so that the emergence of application-based online transportation is a transportation service that takes advantage of technological developments. Conventional transportation is passenger transportation carried out on a rental basis. Conventional transportation, for example, includes buses, public transportation, taxis, pedicabs and motorbike taxis. In line with current developments, the existence of conventional transportation is gradually being replaced by the choice of more sophisticated modes of transportation with the use of technological advances such as the emergence of application-based online transportation. Apart from being time efficient, online transportation itself can also be used at an affordable cost. However, this is different with conventional types of transportation, not all of which can be reached easily, sometimes you have to wait for a long time to be able to access or use these transportation services. Using Comparative Analysis The use of Comparative Analysis aims to compare the differences in services between two types of online and conventional transportation modes based on the type of transportation mode and the services provided by service providers to users such as the Academic Community located on the Cenderawasih University campus environment. By using Descriptive Statistical Analysis the data that has been collected can be analyzed by calculating the average perception of user respondents regarding service quality preferences for two types of online and conventional transportation modes from the Academic Community in the Cenderawasih University Campus environment.

Based on the observation, a problem was found regarding the lack of interest in learning Christian Religious Education and Character Education in class V of SD Negeri 174552 Tambunan. This is due to the difficulty of students in understanding the learning material. This study aims to determine the effectiveness of learning using visual media compared to learning using conventional media. The type of experimental research used is Quasi Experiment. Class V-A is the experimental class and class V-B is the control class. The dependent variable in this study is the interest in learning Christian Religious Education and Character Education and the independent variable is visual media. The data collection technique used a questionnaire. The results of the study used data from the initial test scores (Pretest) and the final test (Posttest). The results of the study showed that the use of visual media in the experimental class was more effective than the use of conventional learning media in the control class. The results of the t-test in the experimental class showed tcount (7.74) > ttable (2.01) H0 was rejected. The results of the t-test in the control class showed tcount (0.52) < ttable (2.01) H0 was accepted. Then N-Gain obtained the average N-Gain in the experimental class 0.37, in the control class the average N-Gain 0.03. The results of the N-Gain t-test of the experimental and control classes showed t count (10.29) > t table (2.01) H0 was rejected. The conclusion of this study is that learning using visual media is more effective than learning using conventional media.    

Background: The emergence of Islamic banks will definitely increase competition in the banking market. Many factors influence banking growth in Indonesia. The current condition has two main threats that must be considered because they can show the weakness of global banking: the weakening of the commercial property market and the connection of banks with non-bank financial institutions. Method: This study uses descriptive statistics, normality test, and independent sample T test. Results: Conventional and sharia banks do not have significant differences in financial performance, according to the Return On Assets (ROA), Capital Adequacy Ratio (CAR) indicators. On the other hand, the Return On Equity (ROE), Loan to Deposit Ratio (LDR), and Operating Costs Operating Income (BOPO) indicators show that there is no significant difference in financial performance between conventional and sharia banks. Conclusion: Islamic banks show better performance than conventional banks in terms of Return On Assets (ROA), Capital Adequacy Ratio (CAR) and BOPO. These ratio values ​​have higher values. However, conventional banks show better performance in Return On Equity (ROE) and Loan to deposit ratio (LDR) with better average ROE and LDR values.

Creativity is the ability to generate new and innovative ideas that are valuable and useful in a particular context. In higher education, creativity is very important because it encourages students to think critically, solve problems effectively, and innovate in their fields of study. This study aims to test the effectiveness of using e-modules based on metacreative strategies in improving students' creativity in the Makeup and Beauty Research course at Padang State University. This type of research uses a quantitative approach with a quasi-experimental method and a pretest-posttest control group design. The population of this study was students of the Makeup and Beauty study program class of 2021 with a sample size of 53 people. Data analysis techniques in this research consist of descriptive statistics, creativity assessment scale, n-gain score test, prerequisite analysis test, and hypothesis testing (Independent sample t-test). The results showed that there was a significant increase in the level of student creativity in the experimental group and the control group. The average pretest score in the control group was 56.72 and the posttest was 64.07 with an N-gain of 0.17 (low category). Meanwhile, the experimental group had an average pretest score of 60.00 and a posttest of 78.77 with an N-gain of 0.46 (moderate category). The results of the hypothesis test using the independent sample t-test showed a sig.(2-tailed) value of 0.000 <0.05, so there was a significant difference between the experimental group using e-modules based on meta-creative strategies and the control group using conventional learning methods. This shows that the use of e-modules based on meta-creative strategies is effective in improving student creativity.

This study aims to prove the influence of the application of snowball throwing on the learning outcomes of dance-cultural arts, namely by analyzing the influence of differences in higher learning outcomes after a learning treatment using the snowball throwing method in learning cultural-dance arts in class XI, MIPA-2 SMA Negeri 1 Rabatan, Tanah Datar Regency. This research uses quantitative type with quasi-experimental method. The population is all students of class XI of SMAN 1 Rambatan totaling 183, with a study sample drawn in a simple cluster on 32 students of class XI-MIPA-2 (being an experimental class) and 32 students of class XI-MIPA-4 (being a control class). Data collection techniques with tests and observations. The data analysis technique uses the analysis of the difference in class mean in the final test-test results at the end of learning. . Hypothesis testing was performed with a T-test using the SPSS version 16 program, to test differences in the mean significance of the final test results in the experimental class and control class. The test results proved that the calculated t value at a score of 7.625 proved to be greater than the table t at a score of 1.69552. So statistically the value of t counts > t of the table. The results of this test also proved significant because t count > t this table was accepted at a critical value in the T-table at df= 31 and a confidence level of 95%, or at an alpha level of 0.05. The conclusion of the results of this study is that there is a significant difference in dance knowledge learning outcomes between the use of the snowball throwing method and conventional discussion methods in dance learning in class XI.MIPA SMA Negeri 1 Rambatan, Tanah Datar Regency.'. This means that H1 is accepted and H0 is rejected.    

Electronic credit facilities represent a significant banking innovation, employing technology in a manner that diverges from the established procedures associated with conventional credit. A credit deed that is not in accordance with the formal legal requirements is nevertheless considered to have legal force if the signature is recognized by the relevant parties. This thesis addresses the legal force and position of underhand credit agreements in commercial banks, as well as their suitability with the legal requirements of agreements according to the Civil Code and ITE Law, particularly in instances where the debtor subsequently rejects the signature. This thesis employs normative legal research methods to procure secondary data pertinent to the subject matter. The secondary data comprises primary, secondary, and tertiary legal materials, which are then subjected to qualitative analysis. The research demonstrates that the legal certainty of electronic credit agreements in commercial banks is regulated by the Civil Code Law Number 19 of 2016 on Electronic Information and Transactions, Government Regulation Number 71 of 2019 on the Implementation of Electronic Systems and Transactions, and OJK Regulation Number 38/POJK.03/2016 on the Application of Risk Management in the Use of Information Technology by Commercial Banks. In the event of a dispute over the rejection of an electronic signature in an agreement, the matter may be resolved through litigation after all other avenues of non-litigation have been exhausted. In electronic credit agreements, electronic signatures are recognized as valid evidence, thereby affording legal protection to creditors.

In the current era of globalization, business development is occurring rapidly. The growth of various businesses is happening everywhere. The number of hotels currently available is increasing, both conventional and sharia, which is causing market competition to become increasingly fierce. Every consumer has a wide choice of products or services that they want to choose according to their individual wishes. Facilities and services are one of the factors that influence the quality of consideration of consumers or visitors in choosing hotel and lodging services. The aim of the research is to find out how the principles of Islamic Business Ethics are applied at Sharia Hotels in Jambi City, especially at OYO 2899 Ardilia Syariah Airport, Jambi City. The method used in this research is a data analysis method which refers to data collection techniques by means of observation, interviews and documentation. The research results show that facilities and services influence the application of Islamic business ethics principles in each Sharia Hotel.  

This study aims to develop flakes made from brown rice and cavendish bananas as instant drink fillings, with the aim of finding out: 1) the results of sensory tests of brown rice flakes and cavendish bananas as instant drink fillings which include color, shape, aroma, taste, texture, and preference level; 2) the nutritional content of brown rice flakes and cavendish bananas which include carbohydrates,  fiber, vitamin B6, and proximate test include water and ash; and 3) the selling price of brown rice flakes and cavendish bananas as an instant drink filling of 25 grams/package. The research method used was experimental, with sensory quality assessment by 5 trained and 25 semi-trained panelists. Data analysis uses Anava Tunggal (one way anava). Nutritional content tests in the form of carbohydrates, fiber, vitamin B6 and proximate tests including water and ash were carried out by laboratory tests. Calculation of the selling price of 25 grams/package using conventional methods. The results of the study show that: 1) the criteria for the best product flakes formula with a ratio of 100:60 produced a reddish-brown color, neat round shape, typical banana aroma, sweet taste, crispy texture and liked by the panelists; 2) the nutritional content per 100 grams of brown rice flakes and cavendish bananas has a total carbohydrate content of 71.06%, fiber 3.11, vitamin B6 2.66, moisture content 0.12% and ash content 0.11%; and 3) the selling price of flakes is known to be Rp.  7,290 per package weighing 25 grams.

One of the most important things in the teaching and learning process is learning that is creative and fun because it can help students to succeed in learning. For a teacher, mastery and knowledge in utilizing technology is a competency that must be mastered in order to support the improvement of the learning process and the delivery of material to students. Facts on the ground show that Indonesian language teachers still use conventional learning method as well as the use of technology which is limited to using LCD media and laptops to convey material and give assignments. In addition, smartphones have not been used optimally as learning media. The purpose of this study was to determine students' perceptions of the use of Kahoot-based interactive learning media on learning outcomes. This research was total sampling basis are all number of the population are used as samples.  The samples of this research involves 30 people. Data collection used in this research is questionnaire. This study used a quantitative approach and data were analyzed using an independent sample t-test to determine the level of Kahoot application as an interactive learning media for Indonesian subjects in descriptive text material. The results showed that students tended to have very good perceptions of 46.67% regarding the use of Kahoot media in learning Indonesian. The benefit of this research is to provide additional knowledge and information to teachers, especially Indonesian language educators, in the use of Kahoot-based interactive learning media.

This study explores the impact of complementary herbal therapy education on improving the quality of life in the elderly. As aging populations face increasing health challenges, there is a growing interest in alternative approaches that can enhance well-being. Herbal therapy, a practice rooted in traditional medicine, offers potential benefits for managing chronic conditions and promoting overall health in older adults. The research involved educating elderly participants about the use of specific herbal remedies tailored to common geriatric issues, such as arthritis, digestive problems, and sleep disturbances. Pre- and post-intervention assessments were conducted to measure changes in physical health, emotional well-being, and daily functioning. The results revealed significant improvements in the participants' quality of life, with notable reductions in symptoms, enhanced vitality, and increased satisfaction with their health management. The study concludes that educating the elderly about safe and effective use of herbal therapy can serve as a valuable complement to conventional treatments, leading to better health outcomes and improved quality of life. Further research is recommended to refine educational strategies and explore the long-term benefits of herbal therapy in the elderly population.  

. Legal Protection for the Implementation of Execution of Dependent Rights in Conventional Banks, which includes Research Objectives. For legal protection of the mechanism for the execution of the right of dependency in the return of debtors to the convention bank. Analyze the settlement of cases against bad debtors' assets to traditional banks and the execution of dependant rights in the process of loan repayment. How far studies on dependent rights execution in traditional banks have gone in terms of legal protections. Procedures for Conducting Studies The studies utilized are of a legal normative type. The study's findings Law 49/Prp of 1960, pertaining to the State Receivables Affairs Committee (PUPN Law), protects the right of dependents to the return of debts owed by government commercial banks. It is the responsibility of the State Receivables Affairs Committee ("PUPN"), established by law, to oversee the administration of all State Receivables. The execution of dependent rights in the return of debtors' assets to traditional banks and the settlement of bad credit cases were both inefficient and unsuccessful because, in reality, they could not recover the debts owed by the debtors. In summary Compared to the value of new bad credit cases submitted by traditional banks, the realization of receipts from the process of executing the right of dependency every year is significantly lower. As a result, the State Receivables and Auction Service Office (henceforth KP2LN) takes over the handling of receivables from traditional banks.

Stocks and the Indonesian capital market coexisted in Indonesia in 1912, when the Indonesian capital market was first established. An Islamic regulation master named Abdurrahman Isa contends that stock trading exchanges are permitted in religion, including shares gave by banking organizations, where a portion of the exercises are revenue based credit. This is based on the circumstances of Muslims, who, in his opinion, are in a dhorurat state. This study made use of literature research, which uses information from books and other sources to investigate the method for putting into practice investment in sharia stocks as a tool for economic improvement. The English word investment, which means to plant, was adopted from the British language. According to the Dictionary of Capital Market and Financial Terms, "investment" refers to putting money or capital into a business with the intention of earning a profit. The Capital Market Law regulates the sharia capital market, which is a capital market that does not violate sharia law. In this instance, the Capital Market and Financial Institutions Supervisory Agency (Bapepam-LK) continues to oversee the sharia capital market. The fundamental difference between the sharia capital market and the conventional capital market is that the sharia capital market must adhere to sharia law in all transaction mechanisms and issuers traded in it. In other words, there is no significant difference between the two markets.

The purpose of this study was to determine the effectiveness of financial technology on the income level of Micro, Small, and Medium Enterprises (MSMEs) in Tulungagung. This research was conducted as a case study of Dinova Store, an accessories shop. Data was collected through documentation. Data analysis employed the nonparametric Mann-Whitney U test. Based on the research results, the Asymp. Sig. (2-tailed) value of 0.004 is less than 0.05, indicating a significant difference in sales levels between using fintech and conventional methods. Therefore, further investigation into the difference in sales levels can be conducted by focusing on the mean posttest values. The results show that sales using fintech are higher compared to using cash or conventional systems.

This study aims to find out about the procedure for measuring the isolation resistance of the main equipment of the 150 kV conventional substation (AIS) as many as 5 bays at the Panakkukang Substation through the measurement of the insulation resistance value in accordance with the predetermined standards. The method used in this study is quantitative descriptive. The subject of the study to be studied is a comparison of isolation resistance values in pre- and post-treatment. This was done to find out if there was a change in the insulation resistance value of the main equipment of the Substation. The main equipment studied is LA, PMT, CT, VT, and Transformer. Measurements were taken with a Megger measuring instrument, with a voltage injection of 5kV. For 5kV voltage injection, the maximum value of the test device is >1000 GΩ. The standard used is IEEE 43-2000, which is > 1 MΩ / 1 kV. Based on the results of research that has been carried out on each main equipment of the substation at GI Panakkukang. It can be concluded that the isolation resistance value in each main equipment of the substation at GI Panakkukang is above the minimum value (> MΩ/1 KV) in accordance with the IEEE Std 62: 1995 standard, VDE Catalogue 228/4, and the standard used by PLN in the "Power System Maintenance Guidebook" in 2014 the isolation resistance value at each main substation at GI Panakkukang has increased after being maintained. Maintenance can be carried out by cleaning the equipment body and foreign materials, and measuring the insulation resistance periodically.

The incidence of fever following DPT (Difteri Pertusis Tetanus) immunisation is relatively high, often necessitating treatment with fever-reducing drugs, which may have adverse effects on infants. Therefore, non-pharmacological methods that are effective, safe, economical, and practical are essential. This research aims to investigate the effectiveness of an onion compress combined with virgin coconut oil (VCO) in reducing body temperature in infants following DPT immunization. The study employed a quasi-experimental method with a one-group pre-test and post-test design. The study population consisted of infants who received DPT immunization in the midwife's independent practice (PMB) working area at the Pudak Payung Health Centre, Semarang, with a total sample size of 48 infants selected via purposive sampling. Data were collected through observation, analysed using descriptive statistics, and the Wilcoxon signed-rank test. Prior to the intervention, 47 infants (45.92%) exhibited fever, and 1 infant (2.08%) had a high fever post-immunisation. Following the application of the shallot compress with VCO, all infants (100%) showed a reduction in body temperature, with none experiencing fever thereafter. The analysis indicated a significant effect of the onion compress combined with VCO on reducing body temperature (Z = -6.042, p < 0.01). The average body temperature of infants post-DPT immunisation decreased from a mean of 38.5°C before the intervention to 37°C afterwards. In conclusion, the use of an onion compress with VCO effectively reduces body temperature in infants following DPT immunization. This non-pharmacological approach presents a promising alternative to conventional fever management strategies.