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With its development, society expects needs, one of which is in the field of financial transactions, one of which is a financial process framework. Advances in information technology in the service sector have been utilized by product marketing and financial institutions, especially Bank Syariah Indonesia. With the launch of sharia banking service information technology known as BSI Mobile. The presence of BSI Mobile makes it easier for every customer to get services and products without having to go to the nearest office. And with BSI Mobile, it is hoped that Bank Syariah Indonesia can achieve customer satisfaction in using it. This research focuses on improving service quality and Mobile Banking product quality on customer satisfaction at PT. Bank Syariah Indonesia KCP Bogor Citeureup 3. The research method used is a quantitative method approach with data collection techniques using accidental sampling or non-probability using the entire population when dealing directly at the BSI Citeureup office 3. The population in question is all customers who have BSI Bank savings, totaling 50 respondents using a questionnaire on a Likert scale. In data processing for analysis using SPSS 25 software with multiple regression analysis techniques with results Y = 8.311, X1 = 0.287, for X2. And simultaneously, the two independent variables get a calculated F of 20.682. In terms of the coefficient of determination, it was found that the two independent variables had an influence of 51.8%. This research shows that there is a positive and significant partial or simultaneous influence between the service quality and product quality variables on customer satisfaction at PT. Bank Syariah Indonesia KCP Bogor Citeureup 3.    

The aim of this community service program is to provide assistance and education to the community in Kiera Hamlet, Southwest Maluku Regency regarding recording financial transactions in simple bookkeeping in accordance with applicable financial accounting standards. This program will take place on Saturday 3 to face in Kiera Hamlet, Moa Island, Southwest Maluku Regency. This activity was carried out with the presence of all Kiera hamlet staff, chair of the church congregation council. Church staff, village community and home base lecturers as well as students of the PSDKU Accounting study program, Southwest Maluku Regency. The method used in this activity is a participatory learning method. After carrying out this service, the community will gain knowledge about bookkeeping in managing finances so that the recording process can be carried out regularly.

The digital era has brought significant changes in human life, including in the economic field. The development of digital technology has influenced the way humans do business, transact and interact. The aim of this research is to determine the factors that influence economic growth in the digital era in the city of Medan in 2018-2023. The analysis techniques in this research are descriptive statistical analysis and multiple linear regression analysis. Based on the results of the discussion, it can be concluded that wholesale and retail trade, car and motorbike repairs greatly influence the movement of economic growth in Medan in the digital era, the policies implemented by the government are very important to maximize the positive impact of the digital economy on economic growth. Furthermore, the digital economy has the potential to encourage economic growth through increasing productivity, facilitating economic activities, and transforming business transactions from manual to automatic processes.  

This study explores the Islamic legal perspectives on online trading of defective goods, considering hadiths, laws, and comparisons with positive law, in the context of the increasing electronic commerce in the modern world. Findings highlight the seller's obligation to transparency and responsibility for defective goods, as well as the rights of buyers, providing a basis for practical recommendations including enhancing information transparency, forming policy based on Sharia principles, educating business operators and consumers, developing dispute resolution mechanisms in accordance with Islamic law, and implementing technology to improve transparency and compliance. Thus, it is hoped that consumer protection in the context of online trading can be enhanced in line with the moral and ethical principles of Islam, which in turn will support the sustainable development of electronic commerce

Murabaha financing is one of the Islamic financing products that is popular among MSMEs. This product is in accordance with Islamic sharia principles which prohibit usury and encourage fair buying and selling transactions. This study aims to analyze the implementation of sharia principles in murabahah financing products of Islamic banks on the financial performance of MSMEs. A literature review was conducted to understand the concepts of sharia principles, murabaha financing, and MSMEs financial performance. Data were collected from various sources, journals, including books, and other reliable sources. The study results show that the implementation of sharia principles in murabaha financing products of Islamic banks has a positive influence on the financial performance of MSMEs. This positive influence can be seen from the increase in profitability and operational efficiency of MSMEs. In addition, murabaha financing can also help MSMEs to increase access to capital and develop their business.

The purpose of this article is to examine the criminal hoax law in Indonesia and the gaps in the state’s efforts to combat criminal hoaxes. Hoax news refers and points to a situation that is currently being discussed, the more people are triggered, the more aggressively the news is spread. In order to overcome the problem of cybercrime that is growing rapidly in Indonesia, the government made a legislation that specifically regulates cyberlaw which is realized in Law Number 11 of 2008 concerning Electronic Information and Transactions Law. “Law No. 11 of 2008”  is one of the efforts to overcome cybercrime juridically and emperically, even though “ Law No. 11 of 2008” does not only discuss the issue of obscene or pornographic sites, buat also regulates the rules of electronic transactions which are the legal umbrella in cyberlaw rules in Indonesia. The conclusion of this research is thatm normatively, hoaxes are different from criticism and the restrictions on hoaxes in the Criminal Code and ITE Law are explicit. Since criticism is an important component of democratic life, ending democracy also means ending the practice of criticsm. The political aspects that control the structure of the Indonesian state make it difficult for the law to operate in an orderly fashion, which presents challenges for law enforcement agencies trying to combat the crime of hoaxes.

One factor to consider in efforts to enforce illicit online gambling laws is preventing the flow of money from online gambling. In the midst of the use of technology in banking transactions and online gambling, it is important to pay attention PPATK Policy in Terminating Money Laundering Transactions in Online Gamblingand the need for preventive efforts with the rise of online gambling itself makes It is necessary to do research related to the Authority of the Financial Services Authority in Blocking the Results of Online Gambling Transactions. This research aims to inform and understand PPATK's policy for stopping suspicious money laundering transactions in online gambling. The type of research used in this legal research is normative legal research. The approach method used in this research is the statutory approach method. The research results are that PPATK's policy in stopping suspicious money laundering transactions in online gambling is to stop transactions because there are indications of online gambling activity, coordinating with the police to accelerate online gambling activities, and PPATK is tasked with collecting and processing suspicious information related to money laundering in online gambling.    

The Bill on the Limitation of Cartal Money Transactions (RUU PTUK) is a regulation regarding the limitation of cartal money transactions to 100 million rupiah in a day either in one transaction or several times, more than that must use digital money. The purpose of this bill is to reduce circulation and emphasize counterfeit money and reduce corruption activities. This paper aims to identify the problems and impacts of the passage of the PTUK Bill on corruption and money politics in Indonesia. The PTUK Bill in its application requires public participation to support the PTUK Bill, besides that the public needs to understand the consequences of money politics on the sustainability of government.

Earning management is a practice used by management to change and control earnings, including actions such as adjustments in order to achieve the results desired by management. Earnings management occurs when managers analyze financia staements and make adjustments in recording transactions in the financial statements to mislead stakeholders about the company’s financial performance or influence contractual outcomes that refer to the numbers listed in the financial statements. This action is often carried out by company managers with the intention of manipulating the information contained in the financial statements, so tha stakeholders get a false understanding of the company’s condition or performance. Earning management is divided into two types, namely Accrual Earning Management and Real Earning Management.    

This study investigates the perception of the public's perception of cashless transactions, the implementation of the Quick Response Code Indonesian Standard (QRIS) by Bank Indonesia, and the impact of QRIS on the volume of cashless transactions as well as the challenges and opportunities for its development. volume of non-cash transactions as well as challenges and opportunities for its development. Methods qualitative method with a literature research approach was used. Data and information were collected from various reliable sources, such as scientific journals, books, and relevant articles. The results show that the implementation of QRIS has increased the adoption of cashless transactions, especially in 2022. This helps MSMEs as it speeds up their operations and expands their customer base. their customer base. However, infrastructure issues, uneven digital literacy, and security threats such as uneven digital literacy, and security threats such as fake QR code scams are the challenges faced. More efforts are needed to improve digital literacy literacy and developing adequate technological infrastructure to ensure the benefits of the benefits of QRIS can be enjoyed by all levels of society.  

The current era of globalization has many impacts on Indonesian society, including the impact of online gambling addiction. In recent years, gambling over the Internet, or commonly called online gambling, has been increasing. According to Kata data, of the total 2.8 million people involved in online gambling or slots in Indonesia, as many as 2.2 million of them are university students. These people participate in virtual gambling activities through online platforms such as websites and applications connected to the internet. The entire transaction process from depositing to withdrawing gambling winnings is carried out online in an online connected system. The purpose of this study is to analyze the factors that make current students interested in online gambling (scatter). This study uses quantitative research methods with a focus on results. The research data was collected through questionnaires distributed to several respondents who are students. The results showed that the impact of online gambling on students is to cause feelings of laziness and reduce academic performance. On average, students spend up to one hour playing Scatter. Financial difficulties (pocket money) are also a factor that affects students playing scatter (online gambling).

The existence of markets plays a very important role in the economy, both at the local and national levels. Markets are not only places where sellers and buyers meet to carry out transactions, but are also centers of economic activity that influence various aspects of people's lives. Through markets, various goods and services can be bought and sold, thereby meeting people's needs and improving their quality of life. Markets also play a crucial role in determining the prices of goods and services through supply and demand mechanisms. Prices formed in the market reflect the balance between the quantity of goods available and the quantity of goods needed by consumers. This process ensures that resources are allocated efficiently and that the goods most needed by society are available at reasonable prices. It is hoped that the establishment of a Regional Public Company (Perumda) will encourage improvements in the economic sector through various strategic methods and have a broad impact. Perumda can act as a driving force for the local economy by creating new jobs, increasing regional income, and expanding the local economic base. With the operation of Perumda, various economic sectors such as trade, industry and services can develop more rapidly.

Legal metrology has the role of providing assurance of the correctness of measurement results and legal certainty in the process of trade transactions that use Measuring, Measuring, Weighing, and Equipment (UTTP) tools for determining quantities as a basis for determining the price of goods and services.  The implementation of legal metrology activities to ensure the correctness of measurement results is regulated in Law Number 2 of 1981 concerning Legal Metrology which aims to protect the public interest / consumers through guaranteeing the correctness of measurement results as well as order and legal certainty in the use of units of measure, unit standards, measurement methods and measuring, measuring, weighing and weighing equipment. Therefore, a study was conducted entitled Risk Analysis of OHS Hazards in the Facilitation of Tera / Retest Work and Repair of Mechanical Non-Automatic Scales (TBOM) Using the JSA and HIRARC Methods with a case study of the Tera Tera Retest Facilitation work at BSML Regional IV. Testing is done manually using scales up to 150 kg to ensure the correctness of the measurements. With the high risk experienced in testing and repair, risk mitigation is carried out with the HIRARC method with the results of 3 Medium Risk (medium risk) down to none, as well as 5 Low Risk (light risk) to 11 Very Low Risk to 11 risks from the initial 6 risks in the Tera Tera Re-facilitation of the Tera Session in the Market.

Abstract. During the pandemic, there were many people who suffered big losses and had an impact on the economy, so this caused people who experienced a downturn in the economy to be particularly encouraged to apply for loans via the internet. Especially online loan transactions are very supportive because they are very easy to reach. So, people don't need to leave the house to carry out this transaction. The research being carried out has the aim of discussing the rise of online loans during the pandemic and a review of sharia economic law on online loans during the pandemic and an evaluation of sharia economic law on online lending practices is the main focus of this research. The method used is descriptive qualitative, with a literary nature because it analyzes and discusses to conclude the legal status regarding online loans. Keywords: Online Loans, Islamic Economic Law, Pandemic Abstrak. Selama pandemi, masyarakat banyak sekali orang-orang yang merugi besar dan berpengaruh dalam perekonomian, sehingga pada hal ini menyebabkan masyarakat yang mengalami penurunan dalam perekonomian terdorong terutama untuk mengajukan pinjaman melalui internet. Terutama transaksi pinjaman online ini sangat mendukung karena sangat mudah dijangkau. Jadi, masyarakat tidak perlu meninggalkan rumah untuk melakukan transaksi ini. Pada penelitian yang sedang dilakukan ini memiliki tujuan yang dapat membahas tentang marakya pinjaman online selama pandemi dan tinjauan hukum ekonomi syariah pada pinjaman daring selama pandemi dan evaluasi hukum ekonomi syariah terhadap praktik pinjaman daring ini adalah fokus utama penelitian ini. Metode yang digunakan adalah deskriptif kualitatif, dengan sifatnya yang bersifat kepustakaan karena menganalisis dan mendiskusikan untuk menyimpulkan status hukum mengenai pinjaman daring. Kata kunci: Pinjaman Daring, Hukum Ekonomi Syariah, situasi pandemi

Abstract. Online shopping is a new technique in the world of trade in the lives of people in the modern era. Online shopping is also considered practical because online marketing utilizes the internet as a potential source of information to facilitate the life system. With global technological advancements of transactions that continues to develop, many opportunities for convenience are open for people in shopping activities. One of them is through online buying and selling known as e-commerce. This phenomenon shows that e-commerce platforms such as Tiktok, Shopee, Tokopedia, Lazada, Blibli, and Bukalapak have become the main choice for people in making shopping transactions today. This reflects the widespread adoption of the concept of online shopping as a practical and efficient alternative to meet consumer needs. This development also marks the transformation of the traditional way of shopping towards a more modern model that is integrated with technology. In carrying out this transaction, various types of contracts are used, such as the istishna contract. This istishna contract can be used for online purchases and sales can be established in a more structured manner and in accordance with sharia principles. Through this contract, buyers and sellers can carry out transactions clearly and fairly, and ensure that the goods or services ordered are suitable with the requirements and anticipations of the buyer. This research makes use of a descriptive qualitative approach involving reading theory, which includes methods of collecting and analyzing data from a variaty of sources including books, scientific notebooks, references, & additional literature partinent to the study topic. The purpose of this study is to determine the use of the isttishna contract for online purchases and sales made under the cash on delivery (COD) method with the hope of producing a through comprehension of the idea of the isttishna contract in Islamic economics and the ways in which these ideas might be used in cash on delivery (COD) transactions. Keywords: Contract istishna, cash on delivery (COD), buy and sell online   Abstrak. Penjualan online  adalah  pola perdagangan  yang telah merevolusi cara hidup masyarakat umum pada zaman sekarang. Penjualan online menjadi lebih umum karena penjualan ini menggunakan internet untuk menyediakan  pengetahuan yang  berpotensi  berguna  untuk memperlancar pola hidup. Dengan kemajuan teknologi dalam dunia transaksi yang terus berkembang, terbuka banyak peluang kemudahan bagi masyarakat dalam kegiatan berbelanja. Salah satunya adalah melalui jual beli online yang dikenal sebagai e-commerce. Fenomena ini menunjukkan bahwa platform penjulaan online contohnya Tiktok, Shopee, Tokopedia, Lazada, Blibli, serta Bukalapak telah menjadi pilihan utama masyarakat dalam melakukan transaksi belanja saat ini. Hal ini mencerminkan adopsi yang luas terhadap konsep belanja online sebagai alternatif yang praktis dan efisien dalam memenuhi kebutuhan konsumen. Perkembangan ini juga menandai transformasi cara tradisional berbelanja menuju model yang lebih modern dan terintegrasi dengan teknologi. Dalam pelaksanaan transaksi ini, digunakan berbagai jenis akad seperti akad istishna. Dengan menggunakan akad istishna, transaksi jual beli online dapat terjalin dengan lebih terstruktur dan sesuai dengan prinsip syariah. Melalui akad ini, pembeli dan penjual dapat menjalankan transaksi dengan jelas dan adil, juga memverifikasi bagian atau item tersebut yang dikirim sebanding dengan keperluan dan harapan pembeli. Penelitian ini meggunakan metode kualitatif deskriptif dimana melibatkan teori kepustakaan, yang mencakup metode pengumpulan dan analisis data melalui beragam referensi misalnya buku, jurnal akademik, referensi, serta rujukan lain yang berhubungan terkait pokok penelitian. Penelitian  ini  bertujuan agar mengetahui penerapan akad isttishna dalam sistem cash on delivery (COD) pada transaksi jual beli online dengan harapan menghasilkan pemahaman mendalam tentang konsep akad istishna dalam ekonomi syariah serta bagaimana prinsip-prinsip ini dapat diterapkan dalam transaksi cash on delivery (COD). Kata Kunci: Akad istishna, bayar ditempat, jual beli online

Customers who enter into insurance agreements online receive legal protection based on Law no. 40 of 2014, Consumer Protection Law, Civil Code, KUHD, and Law no. 11 of 2008 concerning Information and Electronic Transactions. Thus, an online insurance policy is recognized as a legally valid electronic document, both in digital and printed form. OJK is responsible for insurance supervision, both online and offline, with a focus on aspects of governance, business ethics and financial health. This supervision includes analysis of reports, examinations and investigations, which are part of the OJK's duties in regulating and supervising the financial services sector in Indonesia.  

This literature review article presents an analysis of the concepts of Ariyah, Grants, Gifts, and Samsarah from a theoretical and practical perspective to understand the complexity and legal framework governing these transactions in an Islamic context. The data is analyzed in depth to identify key elements and relationships between concepts. Ariyah (borrowing) is the loan of goods without remuneration, Hibah (grant) is the voluntary gift of a living person to another, Hadiah (gift) without expectation of reward, and Samsarah (brokerage) is connecting between parties involved in a transaction (such as buyers and sellers) in which the intermediary is given a certain commission. Despite having fundamental differences in definition and application, these four concepts play an important role in society. From a theoretical perspective, each concept has a legal basis and principles governing it. In practical terms, the application of Ariyah, Grants, Gifts, and Samsarah is seen in various aspects of daily life, from trade transactions to social relations. Understanding these concepts helps individuals and organizations manage relationships and transactions more effectively according to the principles of sharia law.

One of the benefits of using a farmer card is to access subsidized fertilizers. Farmer cards are those programmed by the government and can function to ease all farmers' affairs in making loans, transactions, savings and regarding the acquisition of subsidized fertilizers. This research was motivated by problems in the farmer card program which according to the community was less useful for them, especially in terms of accessing fertilizer. The farmer card is expected to be able to overcome the problem of fertilizer distribution that is not on target and is expected to be able to provide welfare for every farmer owned by farmers with the fertilizer obtained, so that the farm that is run produces satisfactory production for the farmers themselves. The results showed that, on average, the number of farmers who did not understand the farmer card was 60%, while those who understood the farmer card were 37%. This is due to the lack of socialization from related agencies, causing a lack of understanding of farmers towards the farmer card program, especially given the fact there are some farmers who have not studied at all. This farmer card has also not been benefited by farmers, so farmers have difficulty getting subsidized fertilizer and have to spend expensive costs to obtain fertilizer.

This research aims to analyze in more depth the perceptions and motivation of UIN KH students. Abdurrahman Wahid Pekalongan on Using QRIS as a Digital Payment Tool. This research uses a qualitative approach by conducting interviews with several informants. The location of the research was at UIN K.H. Abdurrahman Wahid. The data used in this research is primary data. This research uses a purposive sampling technique. The research results show that the use of QRIS by UIN KH students. Abdurrahman Wahid is very effective and efficient in carrying out transactions. QRIS enables faster and easier non-cash transactions, and provides greater security and convenience. Based on the results of interviews, students felt helped by QRIS because it was more practical in making purchases or transactions without cash.

Money changers are also increasingly developing not only in banks as official exchange places. On the eve of the holidays, some traders sell money on the side of the road. There is a phenomenon where money becomes something that is traded in the form of money exchange that often occurs before the holidays. This research uses a qualitative method. By using a qualitative approach, researchers can focus on attention and also natural events that occur. This research examines how the concept of central bank concept analysis in the issuance of new money to prevent counterfeiting of money on roadside money exchange services during the holidays. The conclusion is that transactions that always occur before the holidays with money exchange are considered violating the law because they do not comply with the standards of exchange transactions, which should always have goods traded rather than money.