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This study aims to analyze the impact of globalization on corporate financial risk, focusing on exchange rate risk, interest rate risk, and country risk. The research employs a quantitative method, utilizing data from the annual financial reports of multinational companies listed on stock exchanges from 2010 to 2020. Data analysis is conducted using descriptive and inferential statistical techniques, including multiple regression to evaluate the relationship between independent variables (globalization factors such as exports, imports, and foreign direct investment) and dependent variables (levels of financial risk faced by companies). The findings indicate that globalization significantly influences these three types of financial risk. Companies involved in international trade tend to face greater exchange rate fluctuations, dynamic interest rate changes, and higher country risk compared to companies operating in domestic markets. To manage these risks, companies need to develop comprehensive risk management strategies, including the use of derivative instruments, thorough political and economic risk analysis, and investment in advanced technologies. Continuous training and fostering a strong risk culture within the organization are also critical factors in effective risk management. This study provides in-depth insights into how globalization affects corporate financial risk and offers strategic recommendations to enhance financial resilience in a global context.

This research aims to provide a deeper understanding of the basic differences between bonds and sukuk, as well as the implications for Muslim investors in choosing investment instruments that comply with sharia financial principles. The money method used is descriptive-analytical with a qualitative approach to compare bonds and sukuk from a sharia financial perspective. Data was obtained through literature studies from journal literature and official documents related to these two financial instruments. The results of this research are first, although sukuk and bonds are almost similar, if examined more deeply, the two have contradictory characteristics. The main difference is in the use of sharia principles in sukuk while bonds do not. Second, conventional bonds do not require collateral assets, while sukuk must have collateral assets. Third, sukuk is not a debt and receivable instrument that charges interest (riba) like bond transactions, but just like sukuk bonds are part of an investment instrument. Fourth, in terms of offering price, maturity, bond principal at maturity, and rating between sukuk and bonds there is no difference.

The provision of public services to the community is one of the most important tasks of government. In order to fulfill the needs and interests of the community, public services are provided by the government, private parties acting on behalf of the government, or private parties directly to the community, whether financed or unfinanced. Strategic roles and functions in the field of implementing integrated licensing services in Surabaya City are carried out by the Surabaya City Investment and One-Stop Integrated Service Office (DPMPTSP). This office was formed based on Surabaya Mayor Regulation Number 084 of 2021 concerning the Position, Organizational Structure, Job Description, and Functions and Work Procedures of the Investment and One-Stop Integrated Service Office of Surabaya City. The program carried out by these students aims to increase productivity and efficiency in public services. With this, the expected results are good in terms of productivity, effectiveness and efficiency.

Investment is an activity of placing funds owned by a person in a certain period with the hope that it will generate profits or increase the value of the investment in the future. This study aims to determine the effect of four variables that are thought to encourage the intention to invest using mobile banking, namely brand trust, facilitating conditions, and behavioral intention. This research is descriptive quantitative research. The research sample was 151 students of the Faculty of Economics and Business, Yogyakarta State University using purposive random sampling method. The research instrument was tested for content validity according to experts, construct using Exploratory Factor Analysis (EFA) and reliability coefficient using Cronbach Alpha. Processing of research data using SEM PLS. The results of this study are brand trust does not significantly affect behavioral intention and use intention of mobile banking investment features. Facilitating conditions have a significant positive effect on behavioral intention and use intention of mobile banking investment features. And behavioral intention has a significant positive effect on the use intention of mobile banking investment features. The managerial implication of this research is that banking marketers with a mobile banking base should create a marketing communication strategy regarding easy access to investment features and investment literacy using mobile banking. So that customers or bank customers will have a high interest in using investment features with mobile banking. 

The main problem in this research is what factors influence customer decisions in choosing BRI Bank Britama Savings Products in Fatukoa Village. The aim of this research is to see and explain what influences the decisions of Fatukoa Village customers in saving with Britama Savings Products. This type of research uses descriptive qualitative research. The data sources in this research are primary data and secondary data. Where data collection uses interview, observation, and documentation techniques. determining informants using Purposive Sampling, totaling 6 people. The time and place of the research was carried out in the 2023-2024 academic year, on a number of customers who live in Fatukoa Village, Kupang City. The results of this research explain that the factors that influence customers' decisions in choosing Britama Bank BRI savings products are influenced by cultural factors because cultural influences play a key role in customer decisions. The socialization process from the experience of being a customer for eight years, the use of banking products since the beginning of college, and the management of business transactions are the main factors in choosing Britama Savings. Social Factors due to the existence of reference groups, both from friends and family, have a big impact. Suggestions from friends about the benefits of interest rates and easy access to BRI Bank's online services, as well as recommendations from wives who are BRI Bank customers, are taken into consideration in the decision to save on Britama Products. Personal Factors due to Age, life cycle stage, work and economic environment are factors personal influences on product choices. The decision to save in BRI Bank Britama Products is based on long-term goals, investment, financial discipline, and economic considerations as well as income that can be invested, and Psychological Factors because the motivation for opening a Britama Savings account is related to biogenic and psychogenic needs, such as increasing pension funds, long-term investment, increasing financial discipline, and building savings habits. Trust and positive attitudes towards Britama products, supported by the reputation and security of BRI Bank, also play a key role in decision making. Apart from that, information from reference groups, socialization experiences, economic considerations, and trust in banking institutions are key factors that shape customer decision behavior.

This research is motivated by the fact that Income and Knowledge are among the factors influencing Investment Interest, yet most traders have a relatively stable income from their trading businesses. The objective of this research is to determine and analyze the simultaneous and partial influence of income and knowledge on investment interest in the sharia capital market among wholesale traders in the Aur Market blocks A, B, and C in the city of Bukittinggi. This study is a field research using a descriptive quantitative method. The population in this study consists of 868 traders, and a sample of 90 traders is drawn to serve as respondents using a sampling method. The selection of traders is done randomly in the wholesale area of Aur Market blocks A, B, and C. Based on the data processing and analysis conducted, the result of the simple linear regression equation Y = 11,750 + 0.026 X1 + 0.449 X2 is obtained. It can be stated that Income (X1) has a positive but not significant influence, while Knowledge (X2) has a positive and significant influence on investment interest (Y) among wholesale traders in Aur Market blocks A, B, and C in the city of Bukittinggi. The result of the income value  0,202 <   , meaning  is accepted and is rejected, the knowledge value  5,241 > , meaning  is rejected and  is accepted. Simultaneously, the result of the income and knowledge  15,885 > , meaning  is rejected and is accepted. The coefficient of determination ( ) result is 0.267 or 26.7%, which means that 26.7% of the investment interest is influenced by income and knowledge, while the remaining 73.3% is influenced by other variables not examined in this study. The theoretical independent variables are lifestyle, personality, and promotion.

The capital market is an important part of representing the country's economic conditions. In the capital market there are several instruments that are traded, one of which is mutual funds. Mutual funds are quite an attractive option for the community, but there are cases of default that make mutual fund investors suffer losses. This research uses a normative juridical approach method, namely library legal research conducted by examining library materials or secondary data as a basis for research by conducting a search for laws and literature related to the problems studied. Legal protection can be done by using preventive and repressive legal protection in mutual fund investment cases as a form of protection to investors from the government. The losses suffered by investors due to the default of PT TDPM to MMI, indicate that TDPM has a responsibility that can be in the form of paying all obligations and compensation and accepting all sanctions that can be in the form of administrative, civil, to criminal. Preventive legal protection can be seen in the existence of laws and regulations such as the Capital Market Law, P2SK Law, POJK 48/2015, POJK 31/2015, and others. Repressive legal protection is in the form of enforcement of sanctions from administrative even to bankruptcy. Responsibility must be carried out by TDPM, namely paying obligations along with interest according to the debt restructuring agreement until the imposition of sanctions. And it is necessary to see the form of MMI's responsibility as the Investment Manager in this case.

Fashion design as a creative and intellectual expression requires appropriate legal protection to encourage innovation and protect the rights of creators. This article discusses the important role of law in protecting fashion design from an intellectual protection perspective. This approach involves an analysis of the role of intellectual property rights, especially copyright and industrial design, in providing adequate protection for works of art in the world of fashion. Copyright provides automatic protection for original works, including fashion designs. However, copyright restrictions result in limited protection, which is why it is important to understand how industrial designs can provide broader protection. Through industrial design registration, creators can secure exclusive rights to their fashion designs, preventing unauthorized duplication. This legal protection also helps create a fair business environment and fuels the growth of the fashion industry. By recognizing the economic and creative value of fashion design, the law plays a role in encouraging investment and innovation in the sector. Therefore, a deep understanding of the role of law in the intellectual protection of fashion design is crucial for interested industry players, creators and users.

This research aims to determine the influence of Investment Knowledge and Financial Literacy on Investment Interest in the Capital Market with the Development of Digital Technology as a Moderating Variable. The population of this study is students of the Faculty of Economics and Business, Universitas Putra Indonesia "YPTK" Padang. The sampling technique used is Simple Random Sampling with a sample of 100 students. Data collection techniques used a questionnaire and analyzed the data using Multiple Regression Analysis through the SPSS 25 application program. The results of the study indicate that Investment Knowledge and Financial Literacy have a significant effect on Investment Interest in the Capital Market with the Development of Digital Technology moderating the relationship between Investment Knowledge, Financial Literacy, and Investment Interest in the Capital Market. The Contribution of Investment Knowledge and Financial Literacy is 52.8%, and the Contribution of Investment Knowledge, Financial Literacy, and Development of Digital Technology is 54.3%.

Sumi Lala.202010325238. Portofolio Construction On The Indonesia Stock Exchange (BEI) Using The Markowitz method (Empirical Study Of Kompas 100 period December 2014 – September 2023). Investment development is currently very rapid. Ownership of 2 or more items can called a portofolio.Investments will experience increases and decreases in the portofolio. This research aims to understand the level of  return of portofolios formed through Markowitz and also a comparison between portfolios returm with market capitalization and weighting. The shares in the portfolio are shares listed on the Kompas 100 Index. This research uses end of month data for the period December 2014 to September 2023.The results of this research found that 61 shares included in the portolio did not have a negative weight.the next result of this research is that the market rate of return portolio (IHSG) Significantly influences the rate of return of the portfolio that has been formed based on market capitalization significantly 1% Other macro variables US Dollar exchange rate.Interest rates and oil prices do not significantly affect the rate of return portfolios formed based on Market Capitalization.

The development of Islamic economics with the application of sharia principles in economic activities is starting to be practiced in the field of sharia finance. This started with the establishment of sharia banking, then followed by the emergence of the sharia capital market as an investment tool to attract profits and seek capital. The Jakarta Islamic Index (JII) as the antithesis of the conventional capital market has challenges when carrying out investments using sharia principles, this is because securities in the form of shares are greatly influenced by macroeconomic aspects such as interest rates. So sharia share prices are very sensitive to the dynamics of interest rates. This research seeks to see the extent of the influence of interest rates on sharia sham prices at JII. The method used is VECM analysis to see long-term effects. The results of this research found that the interest rate variable did not significantly influence sharia stock prices in the long term, however the results of the VECM analysis found that there was a negative relationship, meaning that there was still an influence, although not significant. So sharia share prices can still be affected by changes in conventional interest rates.

The law’s rules that set about the employment in Indonesia run into many problems which have an impact to the imbalance investment in Indonesia. To increase the investment, the DPR formed Law No. 11 of 2020 that concerning job creation which simplifies and give the rules details that related with the employment by using the omnibus law technique. Throw back to the year before, the laws that contains about the employment has been created through Law No. 13 of 2013 that has been simplified from six ordinances and nine related laws. But in the implementation, Law No. 13 of 2013 has been acommodated many interests and spent a lot of time and money. Comparing with the Law No. 11 of 2020 about the job creation, discussion regarding the laws did not spend a lot of time because it already planned by several part which is when the laws has been released raises a lot of judicial riview.    

The research results show that investment knowledge (X1) has a significant positive effect on investment interest (Y). This is proven by carrying out statistical tests which produce a significant value of Tcount 5.782 > Ttable 1.662 and a sig value of 0.000 < 0.05, which means that H0 is rejected and Ha is accepted. Technological progress (X2) shows that there is a significant positive influence on investment interest (Y). This is proven by the value of tcount > ttable of 7.988 > 1.662 with a significant value of 0.000 < 0.05. So it can be concluded that H0 is rejected and Ha is accepted. Investment knowledge and technological advances together have a significant influence on investment interest. This is known by the significant value for (X1) and (X2) simultaneously having an effect on (Y) of 0.000 < 0.05 and the value of fcount > ftable (99.240 > 3.100). The coefficient of determination shows that the influence of the independent variables (X1) and (X2) on (Y) has an influence of 68.3% and the remaining 31.7% is influenced by other variables outside that were not examined in this research. So it can be concluded that Ha is accepted and H0 is rejected. This means that the higher the investment knowledge and technological advances, the higher the student's interest in investing

The background to this research is that the author wants to know whether people have an interest in investing or not, especially in the Ajaib application. Apart from that, it aims to determine the influence of brand ambassador, brand awareness and brand image on people's interest in investing in Ajaib. The research method used is quantitative, with probability sampling as data collection. The number of respondents was 100 and data analysis used SPSS software. With the research results, brand ambassadors have no influence on investment interest, brand awareness has no influence on investment interest, and brand image has an influence on investment interest.

The growth of the capital market in Indonesia is currently of great interest to the public. Being an investor in the capital market provides benefits, but each investment instrument certainly has its own risks. This research aims to provide information to potential investors at PT Harum Energy (HRUM) using fundamental analysis and technical analysis with data obtained through online websites that provide information regarding company financial reports and candle chart patterns or price history of a company. Provide views to determine which issuer to choose. Fundamental analysis by looking at the value of Earning per Share (EPS), Price Earning Ration (PER), Debt Equity Ration (DER). Then technical analysis using the theory of Patern Chart Patterns, golden crosses, Relative Strength Index (RSI). The results of this research provide results that can later be considered when choosing PT Harum Energy shares as an investment option.

Economic growth is one of the benchmarks for the success of development or increasing welfare in the government of a region in the economic sector as measured by the Gross Regional Domestic Product (GRDP). It has time series data that often fluctuates so that the appropriate method is nonparametric regression. This study also aims to determine the most influential factors for economic growth in North Sumatra in 2019-2021 using the MARS model, using secondary data published by BPS for 2019-2021. The MARS model is obtained by obtaining a combination of BF, MI, and MO values that have a minimum Generalized Cross Validation (GCV) value. The results of this study indicate that the best MARS model is a combination of BF=28, MI=1, and MO=1 with a GCV value of 8.42E+06. Therefore there are five of the seven variables that have a significant effect on economic growth in North Sumatra, namely population (X_7 ) with an interest rate of 100%, domestic investment (X_5) of 76.86%, local revenue (X_1) of 31.14%, allocated funds special (X_3) of 28.89%, general allocation funds (X_2) of 23.14%.

In the early days, before the creation of money, economic activities or business transactions were carried out through barter or commonly called barter trade. In the exchange process, goods and services were exchanged directly with other goods and services that were mutually needed by the parties involved. At the macro level itself, the parties involved in the production of goods and services can easily and smoothly exchange goods and services by using money as an intermediary. Meanwhile, the domestic sector that receives income in the form of money uses the money to buy goods and services produced by the commercial and manufacturing sectors. It is the changes in these cash flows that cause changes in prices and/or production quantities, for example. It also affects saving behavior, investment and the business cycle. The method in this study is to use a type of qualitative descriptive research. The purpose of this study is to understand and explore the concept of money in Islamic macroeconomics that does not contradict Islamic law.

This study aims to determine the effect of independent variables (Foreign Exchange Reserves, Foreign Direct Investment, Inflation Rate, and Interest Rate) on the dependent variable (Import Value) in Indonesia for the last five years. This study uses quantitative analysis with descriptive methods used to obtain empirical evidence of the effect of Foreign Exchange Reserves (X1), Foreign Direct Investment (X2), Inflation Rate (X3), Interest Rate (X4), and Import Value (Y). Panel data regression analysis was used with a significance level of 5%. The results showed that the variables of Foreign Exchange Reserves, Foreign Direct Investment, Inflation Rate, and Interest Rate had no significant effect on Import Value in Indonesia. Foreign Exchange Reserves, Foreign Direct Investment, Inflation Rate, and Interest Rate simultaneously have a significant effect on Import Value in Indonesia.

The rapid development of science and technology has led to the emergence of various crimes that violate the law by utilizing technology, for example the Doni Salmanan binary option fraud case, which uses the quotex and flexing platforms on social media to influence the public so that they are interested in trading. This relates to forensic linguistics which analyzes the relationship between language and the field of law. This study aims to 1) understand the utterances used by Doni Salmanan to influence someone from a pragmatic perspective of speech acts, 2) understand the meaning of the language used by Doni Salmanan from a semantic perspective, 3) examine how the relationship between the language used by Doni Salmanan and violations in the world of law . The method used in this study is a qualitative method, data collection techniques in the form of documentary studies, and using a forensic linguistic approach from the pragmatic and semantic perspectives of speech acts. The results of this study concluded that Doni deliberately spread hoax news, flexing and charity with the aim of convincing and motivating members that his current wealth is the result of trading. From a pragmatic point of view, the speech delivered by Doni Salmanan contains illocutionary and perlocutionary meanings. Meanwhile, from a semantic point of view, it can be concluded that binary options trading does not have a definite profit and the teaching method may not be profitable because the activity is chancy. So that Doni violated Article 45A paragraph (1) in conjunction with Article 28 paragraph (1) RI Law number 11 of 2008 concerning ITE as amended and added to RI Law number 19 of 2016 concerning ITE. Then article Article 378 of the Criminal Code concerning Fraud and Article 3 of the Republic of Indonesia Law number 8 of 2010 concerning the Crime of Money Laundering (TPPU)

The investment trend has been so advanced in recent years that most people are interested in becoming investors. One of the things taught is the importance of investing and becoming an investor. However, it is very unfortunate that this rapid trend has not escaped crime in the form of fraud and misuse of investment vehicles. It is very important to empower the public to avoid fraud. One way is through Influencer Persuasive Communication. The purpose of this study was to find out how public empowerment through Influencer Persuasive Communication avoids investment fraud. The research method used is qualitative through interviews with 3 informants whose results were Coding and data triangulation in the analysis. The results of the study show that Influencers have the unique ability to influence public views and behavior in terms of investment through their emotional appeal, social image and narratives they create. This influence, if not properly understood, can make society more vulnerable to disastrous investment scams. Public empowerment is very important to protect against investment scams. Strong financial literacy, understanding of the psychodynamics of persuasive communication, criticality of Influencer messages, and independent research are keys to enabling people to make wiser investment decisions. In addition, awareness of the sociocultural dimension and the construction of meaning in Influencer communication can help the public to recognize potential conflicts of interest or biases that can influence these messages. Thus, this study emphasizes the importance of a balanced approach between inspiration provided by Influencers and a deep understanding of the investment world to empower the public to avoid investment fraud and protect their finances.