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. Industri Financial Technologi (Fintech) merupakan salah satu metode layanan jasa keuangan yang mulai populer di era digital sekarang ini. Dan pembayaran digital menjadi salah satu sektor dalam industri Fintech yang paling berkembang di Indonesia. Khususnya Perbankan, Tujuan penelitian ini ialah untuk mengetahui bagaimana penerapan Fintech oleh PT Bank Rakyat Indonesia (Persero) Tbk KCP Slamet Riyadi Makassar. Jenis penelitian yang digunakan ialah penelitian kualitatif. Metode pengumpulan data menggunakan studi kepustakaan dan studi lapangan. Analisa data yang digunakan oleh penulis adalah penelitian deskriptif kualitatif. Hasil penelitian menunjukan jika Fintech adalah sebuah sebutan yang disingkat dari kata ‘financial’ dan ‘technology’ di mana artinya adalah sebuah inovasi di dalam bidang jasa keuangan. Fintech memiliki peranan yang sangat penting bagi pertumbuhan ekonomi di Indonesia, di antaranya adalah Meningkatkan inklusi keuangan nasional; Meningkatkan pemerataan tingkat kesejahteraan penduduk; Fintech dapat meminimalisir peredaran uang tunai sehingga dapat meminimalisir pula terjadinya inflasi, Pengguna layanan Fintech dapat mengetahui secara langsung data transaksinya sendiri tanpa melalui pihak ketiga; Pengguna layanan Fintech dapat memberikan saran dan kritikan secara langsung terhadap platform yang menyediakan layanan tersebut dan Layanan Fintech memberikan berbagai pilihan layanan yang memudahkan kebutuhan penggunanya   Kata kunci: penerapan, fintech, bank rakyat indonesia

The research aimed to determine the effect of price, location, and service quality on the decision of use services of PT. Pos Indonesia, Soreang. The population in this study was consumers who had used the services of PT Pos Indonesia, Soreang. The sampling collection technique used accident sampling with a total of 100 respondents. The data analysis technique used in this research is multiple linear regression. The result of multiple linear regression analysis shows that the variables of price, location and service quality simultaneously have a positive relation to consumer decision. Based on the results of the f test, it shows that the variables of price, location, and service quality simultaneously have a positive and significant impact on consumers decisions. The result of the coefficient of determination is 0.55 or 55%, meaning that independent variables such as price, location, and service quality can explain variations in consumer decisions to choose the delivery service of PT Pos Indonesia (Soreang). While the remaining 45% of other variables not examined in this study. Company management should pay attention to parking spaces and price competitiveness to increase consumer interest in using the delivery service of PT Pos Indonesia, Soreang.

Research on the Effect of Presidential Aid BLT UMKM on Productivity of Micro, Small and Medium Enterprises in Batang Regency aims to find out how UMKM working capital assistance affects the productivity of UMKM actors and to find out how the influence of this UMKM working capital assistance program has an effect on increasing the economic growth of UMKM actors in the Regency. Trunk. The research method used is quantitative, where data is obtained by distributing questionnaires to recipients of the MSME working capital Banpres while for sampling using a random sampling technique where a sample of 233 Banpres MSME recipients is obtained. Data analysis uses a regression formula. The results showed that 1) MSME working capital assistance had an effect on the productivity of MSME actors, 2) MSME working capital assistance had an effect on increasing the economic growth of MSME actors in Batang Regency

This research is conducted to find out the effect of visual merchandising, shopping lifestyle, and fashion involvement toward the impulse buying behavior to clothing store’s consumers “this is april” in Pontianak. The sampling used in this research is accidental sampling  and the tool is multiple regression analysis. The result of data analysis shows that visual merchandising, and fashion involvement significantly affect the impulse buying, while shopping lifestyle does not significantly affect the impulse buying behavior. The ability of those three variables in explaning the effect toward the impulse buying 63,3% while the remaining 36,7% is expalined by the other factors outside the research models.

This study aims to determine whether there is empirical evidence of stock split events in accordance with trading range theory or not. The empirical study was conducted on 28 samples of spliting firm and 86 samples of non spliting firm in Indonesia Stock Exchange from 2017 to 2019. The sampling technique used is random sampling. The method used is independent t test and paired samples t test. The result of this research show there is trading range on market stock price in year 2017, 2018, and 2019; and also shown by trading volume stock.

Penggunaan tenaga kerja yang efektif dan terarah merupakan kunci dari motivasi kerja karyawan sehingga dibutuhkan suatu kebijakan perusahaan untuk penggerak karyawan agar mau bekerja lebih produktif sesuai dengan rencana yang telah ditetapkan. Para karyawan mengharapkan bahwa hasil kerja akan berhubungan positif dengan tunjangan yang diberikan oleh perusahaan. Tujuan dari penelitian di PT. Dexa Konstruksindo Persada. Dalam melaksanakan penelitian ini, teknik pengumpulan data dilakukan dengan cara wawancara, observasi, dan kuesioner, analisis dokumen dan kajian pustaka, serta pengumpulan data yang diambil dari buku-buku. Populasi pada penelitian ini adalah sebagian karyawan PT. Dexa Konstruksindo Persada sebanyak 58 orang. Responden yang dijadikan sampel dalam penelitian ini adalah 30 orang. Model analisis data yang digunakan untuk menjawab hipotesis adalah analisis linier berganda.Dari hasil penelitian dikemukakan bahwa hasil uji F atau secara simultan menunjukkan bahwa terdapat pengaruh yang signifikan antara pelatihan dan tunjangan terhadap motivasi kerja karyawan PT. Dexa Konstruksindo Persada. Hasil uji t atau secara parsial menunjukkan bahwa pelatihan berpengaruh Persada parsial terhadap motivasi kerja karyawan PT. Dexa Konstruksindo Persada dan tunjangan berpengaruh secara parsial terhadap motivasi kerja karyawan PT. Dexa Konstruksindo Persada. Hasil uji koefisien determinasi menunjukkan bahwa besarnya pengaruh tunjangan dan pelatihan terhadap motivasi kerja adalah sebesar 0,381 atau 38,1% sedangkan sisanya sebesar 61,9% dipengaruhi oleh faktor-faktor lain di luar penelitian ini seperti : keselamatan kerja, komunikasi, pengembangan karir, kepuasan kerja, dan lain sebagainya.

Peneliti menilai bahwa penurunan prestasi kerja karyawan dapat disebabkan kurangnya kerjasama antar tim dan setiap individu cenderung menjatuhkan. Hal ini mungkin dapat disebabkan oleh penempatan kerja yang dilakukan oleh perusahaan saat ini yang tidak tepat dikarenakan perusahaan menerima orang-orang yang tidak berpengalaman untuk mengisi beberapa posisi. Akibatnya karyawan lama sering mengeluh karena karyawan baru tersebut sering bertanya kepada mereka. Dan juga pada hal kinerja, pimpinan sering memberikan instruksi yang tidak jelas serta penilaian kinerja yang tidak sesuai harapan karyawan. Penelitian ini dilaksanakan di PT Harini Mandiri Medan dengan jumlah sampel sebanyak 42 orang. Teknik sampling yang digunakan adalah sampel jenuh dan teknik pengumpulan data menggunakan wawancara, studi dokumentasi, dan hasil kuesioner yang telah dibagikan. Sedangkan untuk analisis data, peneliti menggunakan analisis regresi linear berganda. Kesimpulan dari penelitian ini bahwa penempatan kerja dan kinerja tidak berpengaruh terhadap prestasi kerja karyawan PT Harini Mandiri Medan. Secara parsial penempatan kerja tidak berpengaruh terhadap prestasi kerja PT Harini Mandiri Medan. Secara parsial kinerja tidak berpengaruh terhadap prestasi kerja PT Harini Mandiri Medan.

This research was conducted at PT Fajar Indah Anindya Medan. The level of work discipline that can be seen from the delay and absence of employees. Job promotion systems that are still based on seniority are not based on work performance and employee discipline. Punishment that has not been resolute to employees. The population and sample in this study were 42 employees. The sampling technique used is saturated samples Data collection techniques are pembainigain kueisoner, interviews and documentation studies. Data analysis uses validity and reliability test, classic assumption test, multiple linear regression analysis, determinant coefficient and hypothesis testing.Conclusions in the study that simultaneous job promotion and punishment affect the work discipline of employees of PT Fajar Indah Anindya Medan. Partially, job promotion influences the work discipline of PT Fajar Indah Anindya Medan employees. Partially punishment affects the work discipline of PT Fajar Indah Anindya Medan employees. The magnitude of the determination coefficient that the adjusted R Square value is 0.502 means that promotion and punishment can explain employee discipline at 50.2% and the remaining 49.8% (100-50.2) influenced by other variables outside of this study such as: compensation, leadership and supervision of work and so on

Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh EVA dan MVA terhadap harga saham. Penelitian menggunakan kuantitatif dengan menggunakan data sekunder berupa laporan keuangan. populasi yang digunakan adalah perusahaan sektor keuangan yang masuk dalam indeks LQ45 tahun 2018 sampai dengan 2020 dengan sampel perusahaan yang masuk dalam LQ45 adalah 5 perusahaan. Pengelolaan data menggunakan SPSS versi 22.0. Hasil penelitian menunjukkan EVA dan MVA berpengaruh positif terhadap harga saham.  

PT.Senteral Inti Gas is a company engaged in the field of gas distributors. Problem that occur in the company is: a decrease in employee work performance which is characterized by frequent errors in work, employee attendance rates began to decline and the emergence of procrastination work. The population in this study were all employees in the company of 67 people. The sample is taken by a saturated sampling technique in which all members of the population are used as samples. Thus the sample in this study amounted to 67 people. The simultaneous hypothesis test results show that reward and punishment have an influence on the work performance of employees of PT.Senteral Inti Gas Medan. The results of the partial hypothesis test show that the reward variable has a more dominant influence on the work performance of PT .enteral Inti Gas Medan employees compared to the punishment variable.

The biggest source of state income from taxes. Indonesian government keep continuously increase the national income through taxes. The research examines how profitability, leverage, independent commissioners and the influence of institusional ownership. The sample used is manufacturing companies listed on the Indonesia Stock Exchange for the period 2017-2020. The sampling method uses purposive sampling in order to obtain 58 manufacturing companie. This study uses panel data regression analysis techniques with the help of the Eviews 10. This study shows that the independent variabel profitability has a significant positive effect on tax avoidance. While leverage, independent commissioners, and the influence of institusional ownership has no effect on tax avoidance,

Penelitian ini dilatar belakangi mengenai pengelolaan sarana dan prasarana pembelajaran di SDN 002 Sungai Pinang. Penelitian ini bertujuan untuk menganalisis pengelolaan sarana dan prasarana pembelajaran di SDN 002 Sungai Pinang. Sarana dan prasarana pembelajaran merupakan salah satu sumber daya pembelajaran yang sangat penting dikelola dengan baik, maka dari itu diperlukan pengelolaan sarana dan prasarana untuk mempertahankan sarana dan prasarana pembelajaran agar tetap dalam kondisi yang baik dan siap guna. Batasan penelitian dalam penelitian ini adalah “ pengelolaan sarana dan prasarana pembelajaran di SDN 002 Sungai Pinang”. Jenis penelitian yang digunakan ini adalah penelitian kualitatif. Subjek penelitian ini yaitu Kepala Sekolah, Wakil Kepala Sekolah, Guru Kelas IB (guru senior/lama), dan Guru Kelas IIA (guru junior/lama). Teknik pengumpulan data dilakukan dengan cara wawancara dan dokumentasi. Teknik analisis data dalam penelitian ini menggunakan reduksi data, penyajian data, dan penarikan kesimpulan. Dalam menguji keabsahan data digunakan triangulasi sumber. Hasil penelitian menunjukkan bahwa pengelolaan sarana dan prasarana pembelajaran di SDN 002 Sungai Pinang sudah berjalan dengan baik namun pelaksanaannya belum optimal. Ruang lingkup pengelolaan sarana dan prasarana pembelajaran di SDN 002 Sungai Pinang yaitu perencanaan dilaksanakan untuk mengatahui sarana dan prasarana yang dibutuhkan siswa, guru dan sekolah sehingga kegiatan pembelajaran bisa terlaksana dengan efektif dan efesien. Pengadaan dilakukan untuk mengadakan sarana dan prasarana yang sudah dirancang sebelumnya dan dilaksanakan dengan berbagai cara. Pemeliharaan sarana dan prasarana pembelajaran dilakukan dengan dua bentuk pemeliharaan yaitu pemeliharaan setiap hari dan berkala. Inventarisasi dilakukan oleh guru kelas masing-masing dan bendarara barang dengan mencatat barang milik sekolah ke dalam daftar barang inventaris selanjutnya diberikan kepada Tata Usaha (TU) untuk direkapitulasi. Penghapusan dilaksanakan untuk mengeluarkan sarana dan prasarana yang tidak dapat difungsikan atau dipergunakan sebagaimana mestinya.    

This research elucidates the impact of globalization on the content and subjects of the Madrasah Ibtidaiyah curriculum, focusing on the challenges and opportunities it presents. The study utilizes a combination of literature review and thematic analysis to explore the influence of globalization on the curriculum and the strategies employed by Madrasah Ibtidaiyah to strike a balance between traditional Islamic teachings and global knowledge and skills. The findings reveal that globalization has influenced the content and subjects taught in the Madrasah Ibtidaiyah curriculum by necessitating the incorporation of global perspectives, emphasizing universal values, and contextualizing global knowledge within an Islamic framework. However, Madrasah Ibtidaiyah faces challenges in adapting its curriculum, including the need to ensure the preservation of Islamic teachings, address cultural sensitivities, and navigate societal expectations. Despite challenges, globalization offers opportunities for Madrasah Ibtidaiyah to enhance its curriculum and prepare students for a globalized world. This includes fostering intercultural communication, promoting global citizenship, encouraging critical thinking, nurturing tolerance and inclusion, and developing cultural sensitivity. The incorporation of global perspectives significantly impacts students' understanding of diversity and multiculturalism by exposing them to different cultures, challenging stereotypes, promoting intercultural communication, and fostering a sense of global citizenship.

This research explores the utilization of virtual reality (VR) in educational settings and examines current trends, future directions, benefits, and challenges associated with its implementation. The purpose of this library research is to provide an overview of the existing literature on VR and educational research, highlighting the potential of VR technology to enhance traditional teaching methods and improve student engagement, motivation, and learning outcomes. The method used for this research is a comprehensive review and analysis of relevant scholarly articles, books, and reports from academic databases and libraries. The results indicate that VR has been utilized in educational research to create immersive and interactive learning experiences, personalize instruction, bridge the gap between abstract concepts and concrete understanding, and foster critical thinking and problem-solving skills. VR also presents challenges such as cost, accessibility, curriculum integration, teacher training, technical limitations, health and safety concerns, privacy, and ethics. However, the research concludes that with careful planning, adequate resources, and proper support, VR has the potential to revolutionize education and prepare students for a technologically advanced future. Further research and innovation in areas such as immersion, AI integration, collaboration, assessment, accessibility, and ethics are recommended to fully leverage the benefits of VR in educational settings.

The purpose of this research is to test and prove the factors that influence the timeliness of the company's financial reporting. The variables used in this study are profitability, leverage, and liquidity as independent variables, while the timeliness of the presentation of financial statements as the dependent variable. The population in this case research is a retail trade sub-sector company registered in Indonesia Stock Exchange 2015-2019. This study uses secondary data obtained from www.idx.co.id and related company websites. The data taken is company data for the 2015-2019 period with using purposive sampling, so that the total sample obtained is 7 companies. The analysis technique in this research is multiple linear regression analysis using SPSS 25 software. The results showed that profitability and leverage did not affect the timeliness of the presentation of financial statements, while liquidity affects the timeliness of financial statement presentation.

Tax aggressiveness is the actions taken by the company to reduce its tax obligations. A company is said to carry out tax aggressiveness if the company tries to reduce the tax burden aggressively, either using legal methods, namely tax avoidance or illegal methods such as tax evasion. Although not all tax planning actions are carried out illegally, the more loopholes a company uses to avoid taxes, the more aggressive the company is considered. And this study aims to examine the relationship between the dependent variable and the independent variable of this study. The independent variables are liquidity, ROA, leverage and firm size and the dependent variable is tax aggressiveness. And for the analytical method used is regression analysis, and descriptive analysis. Descriptive statistics are used to describe or describe the variables in the study. Descriptive statistics used are measures of tax aggressiveness of all sample companies. The description of the variables can be seen from the mean and standard deviation. The descriptive statistical test was carried out with the SPSS program. The results of the study found that liquidity has no effect on tax aggressiveness, then Renturn on Assets (ROA) affects tax aggressiveness, then leverage affects tax aggressiveness and company size affects tax aggressiveness.   Keywords: Liquidity, ROA, Leverage, Company Size, Tax Aggressiveness

This study examines the effect of managerial ownership, institutional ownership, independent commissioners, audit committees and profitability, on the timeliness of financial reporting in manufacturing companies listed on the Indonesia Stock Exchange for the 2016-2019 period. The population in this study were all companies listed on the Indonesia Stock Exchange from 2016 to 2019. The sample selection used the purposive sampling method and 299 samples were obtained. The analysis used is logistic regression analysis. The results showed that profitability had a significant positive effect on the timeliness of financial reporting. Meanwhile, managerial ownership, institutional ownership, independent commissioners, and audit committees have no effect on the timeliness of financial reporting

Leadership style is one of the factors of employee performance so that a good leadership style will be able to direct and give instructions to the work faced by employees. A good leadership style will also lead to job satisfaction for them, so they will work with feelings of pleasure and joy. Simultaneously, the Transformational Leadership Variable has a significant effect on Employee Performance with a value of Fcount > from Ftable. The result of the Coefficient of Determination (Adjusted R Square) is 0.165, meaning that the Employee Performance variable can be explained by the Transformational Leadership variable and the Meaning in Work variable by 16.5% while the remaining 83.5% is influenced by other variables.

This research was conducted to see whether there was an abnormal return before and after the Jakarta PSBB announcement. The sample was selected using a purposive sampling technique from 30 stocks that are members of the Jakarta Islamic Index (JII) in the 2020 period. The data in this study used secondary data, opening, and closing prices, and Composite Stock Price Index (IHSG). This research is an event study using an event study with an observation period of eight days, four days before the announcement and after the day after the announcement of the Jakarta PSBB. Hypothesis testing uses the Wilcoxon signed ranking test. Based on the research results, there was no change in abnormal return before and after the announcement of the Jakarta PSBB announcement

Social media is a new phenomenon that has changed the way the business environment operates. Through social media, businesses gain access to resources that are otherwise unavailable to the business owner. This research is a causality research, which aims to analyze the causal relationship and influence of two or more phenomena, through hypothesis testing. The population and sample in this study are SMEs who open e-commerce businesses on social media. The number of samples used in this study amounted to 154 respondents. Based on the analysis and discussion, it is concluded that the Marketing operation advantages variable has no significant effect on Marketing Performance, the Cost-effectiveness variable has a significant effect on Marketing Performance, the Customer Communication Channel variable has a significant effect on Cost-effectiveness, the Customer Communication Channel variable has a significant effect on Increased customer satisfaction, Customer The Communication Channel has a significant effect on Marketing operation advantages, the Customer relationship performance variable has a significant effect on Marketing Performance, the Increased customer satisfaction variable has a significant effect on Marketing Performance and the Social media marketing implementation capabilities variable has a significant effect on Customer relationship performance.