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The automotive industry requires fast and accurate sales services, particularly in vehicle credit simulation processes. At Mazda dealerships, credit simulations are still commonly conducted using conventional tools such as printed installment tables or static PDF documents, which often cause delays and calculation errors. This study aims to design and develop a mobile-based vehicle credit simulation application using the Human-Centered Design (HCD) approach and the Flutter framework. The HCD method was implemented through the inspiration, ideation, and implementation stages to ensure that the application meets the real needs of Mazda sales representatives. The application supports flexible credit calculations based on vehicle on-the-road price, down payment, loan tenor, interest rate, and insurance schemes, including All Risk and combination insurance. Usability testing results show that the proposed application significantly improves calculation speed, accuracy, and overall user experience compared to conventional methods. Therefore, the application effectively supports sales performance, minimizes human error, and enhances professionalism in automotive sales services.

Cases of non-performance of contract. on the part of the aggrieved party bring the case to the criminal realm. The charge reported is the fraud article, even though the criminal offense has not been fulfilled. So that it has the potential to cause wrong criminalization, the main problem is the inaccurate use of the fraud article against defaults which are basically civil. The research method uses normative juridical with decision analysis and criminal and civil law studies related to non-performance of contract. and fraud. The results show that non-performance of contract. can only turn into a criminal offense of fraud if there are elements of intent, bad faith, use of deception, or falsification of agreements with the intention of benefiting oneself against the law. Therefore, law enforcement officials should be careful in distinguishing non-performance of contract. and fraud cases to avoid abuse of the law that harms the parties concerned. The hopes and solutions proposed are proportional law enforcement by paying attention to the element of malicious intent in determining criminal offenses, as well as legal education to the public so that they understand the difference between the civil and criminal domains in contractual disputes.

This study aims to analyze the implementation of the murabahah contract in the Home Ownership Credit (KPR) financing product at Bank Syariah Indonesia (BSI) Cimahi Branch Office. This study uses a descriptive qualitative method with data collection through interviews, observation, and documentation. The results show that the KPR financing mechanism at BSI Cimahi Branch Office has been running in accordance with sharia principles established by the National Sharia Council (DSN-MUI). The process starts from customer application, wakalah contract, to the implementation of the murabahah contract with the principle of transparency of the principal price and profit margin agreed in advance and fixed throughout the financing tenor. The implementation of this system provides payment certainty for customers and protects against the risk of interest rate fluctuations. In terms of performance, Murabahah KPR financing at BSI Cimahi Branch Office has contributed significantly to the financing portfolio with a low level of Non-Performing Financing (NPF) and positive growth every year. However, challenges still exist in the amount of the down payment and the attachment of a fixed margin that can be a burden for customers with limited financial capabilities. Overall, the murabahah contract has proven to be an effective, transparent, and sharia-compliant instrument in supporting home ownership for the Muslim community in Indonesia.

Consumer dispute resolution in Indonesia is an increasingly relevant issue, considering the high dynamics of transactions that occur in the goods and services sector, including in the property sector. Consumers, as the weaker party in business transactions, often face problems related to the quality of goods/services received, delays, unilateral cancellations, or even failure in property development. Therefore, resolving consumer disputes is very important and requires adequate legal protection. This type of research is normative juridical research. Normative research is literature research by examining theoretical approaches and concepts that examine consumer disputes. Normative juridical research is legal research that places law as a building system of norms. Problems arise when consumers in good faith have paid all Down Payment obligations, but the business actor actually takes a unilateral decision to cancel the apartment construction project. Consumers who have invested funds amounting to IDR 307,530,900 are trying to get a refund, but the business actor does not show responsiveness and good faith in the refund process. This situation finally forced consumers to take legal action by filing a lawsuit with BPSK Medan City on December 5 2022. This case is a clear example of the application of consumer protection and the importance of BPSK as an alternative for resolving disputes outside of court. This decision also reflects the principles of justice and legal certainty in consumer disputes, where agreed consumers can obtain their rights through an arbitration mechanism.

The working capital of construction work contractors is very influential in expediting the implementation of construction work and being able to meet work time scheduling targets. To gain profits, contractors must be able to manage existing resources. This research aims to determine working capital needs, profits and effectiveness. This type of research uses descriptive qualitative. Research data sources were obtained from secondary data and primary data. Data collection was obtained from library observations, interviews, observations and document studies. The data analysis used is based on the MC (Montly Certificate), Termin (Termyn Payment) and Final (Turnkey Payment) payment systems with several policy options, namely Source of contractor capital, Down payment, and Bank loan. The results of the analysis obtained are, Working capital requirements based on MC with Contractor Capital Resources IDR 3,000,000,000 and profit IDR 2,245,689,086, Down Payment IDR 2,963,637,000 and profit IDR 2,245,689,086, Bank Loan IDR 5,400,000,000 and profit IDR 2,072,889,086. Working capital requirements based on Terms with Contractor Capital Source IDR 3,000,000,000 and profit IDR 2,245,689,086, Down Payment IDR 2,963,637,000 and profit IDR 2,245,689,086, Bank Loan IDR 2,800,000,000 and profit IDR 2,156,089,086 .  Working capital requirements based on End with Contractor Capital Source IDR 3,000,000,000 + Loan IDR 3,600,000,000 and profit IDR 2,130,489,086, Bank Loan IDR 6,550,000,000 and profit IDR 2,036,089,086.  The highest percentage of capital effectiveness and profits is the Termin payment system with the bank loan option, 77%.

The practice of buying and selling rice using the "tebasan" system occurs in Bedoro Village, Sambungmacan District, Sragen Regency. In this practice, farmers conduct transactions with buyers when the rice plants have turned yellow but are not yet ready for harvest, with a down payment as a sign of commitment. The buyer then waits until the rice is ready for harvest to proceed with harvesting and completing the payment. This study aims to review the practice of buying and selling rice using the tebasan system in Bedoro Village from the perspective of Sharia Economic Law. This research uses field research methods with a descriptive approach. Data were collected through interviews, documentation, and observation. The results indicate that the transaction of buying and selling rice using the tebasan system in Bedoro Village is valid according to Sharia Economic Law. This is because the transaction meets the pillars and conditions of sale and purchase, including the presence of two contracting parties, the goods being traded, and the agreement (ijab qabul), while avoiding elements that could invalidate the transaction such as gharar, riba, dual-purpose transactions, and the utilization and maintenance of land by the buyer.

The development process in Indonesia is currently divided into various sectors, including the economic sector, education and infrastructure. The massive infrastructure development carried out by the Government is carried out in order to support the improvement of public services. Policies related to infrastructure development are currently also simplified, so that more small and large businesses can participate in infrastructure tenders. One of these policies is the Down Payment Guarantee Policy. Down Payment Guarantee is a guarantee provided by an insurance company that guarantees that the company is able to carry out a project and can return the down payment according to the agreed rules. In its implementation, it turns out that the Down Payment Guarantee can experience disputes and lead to claims for Default. This study will analyze court decisions in cases of Default claims in Down Payment Guarantee cases. The approach used in this study is normative juridical law.

One company that solves financial problems is a motorbike credit company that can help people who are constrained by costs but want to own a motorbike to make their lives easier. One of the motorbike leasing companies that provides a motorbike credit system. One of the products is the Honda ADV 160 ABS which provides various down payment offers with time periods. In this research, the data used is quantitative data in the form of secondary data obtained from motorbike credit brochures on one of the motorbike rentals in the city of Binjai which were registered in October 2023. This research will analyze and compare the results between the total credit interest that matches the flat interest, annuity interest and effective interest which provide slightly lighter installment or credit installment payments. Based on the results obtained from both samples, the lowest total interest is the effective interest.

Polibatam press bergerak dalam bidang usaha penerbitan buku ajar dan modul praktikum yang merupakan hasil karya dari civitas akademik Politeknik Negeri Batam. Sejak berdirinya Polibatam Press belum memiliki prosedur yang baku mengenai penerbitan buku ajar dan modul praktikum. Pembahasan mengenai prosedur ini untuk mengetahui bagaimana proses implementasi penerbitan buku ajar dan modul praktikum di Polibatam Press. Metode yang digunakan berupa analisis diskriptif, penulis mengumpulkan data yang diperoleh dari perusahaan berupa dokumen dan keterangan yang diberikan perusahaan mengenai prosedur penerbitan buku ajar dan modul praktikum, selanjutnya penulis akan menguraikan secara rinci proses penerbitan buku ajar dan modul praktikum. Hasil analisis menyimpulkan bahwa prosedur penerbitan buku ajar dan modul praktikum di Polibatam Press terdiri dari kegiatan yaitu sales order dari penulis, administrasi (Down Payment/DP), penyerahan naskah, design sampul atau re-layout, proofreading penulis, proses revisi setelah proofreading dari penulis (bila ada yg di revisi), proses proofreading akhir penulis (apabila sudah bebas koreksi, lanjut ke-), pengajuan ISBN, pendaftaran Perpusnas RI, proses cetak dummy buku dan proses cetak massal, serta penyelesaian administrasi.