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In this millennial era, it is very easy to get an unsecured money loan, one of which is by using a Shopee Paylater electronic money loan. However, in its use it often also causes losses because the interest on the loan is so large that it makes it difficult for users of electronic money loans to pay and pay off their debts. Therefore, this study aims to explore how legal protection is for users of electronic money loans, especially the Shopee Paylater application which is a polemic among the Indonesian people. The method used in this research is a normative legal research method with a conceptual approach and an approach to legislation. The conceptual approach is carried out by analyzing the concept of consumer protection and the agreed agreement to be able to digest the legal relationship between parties in the Shopee application with the Shopee Paylater feature. The results showed that there was a cooperative relationship between Shopee and PT Lentera Dana Nusantara as the lender.

        Munculnya berbagai layanan e-money membuat masyarakat mempertimbangkan berbagai hal dalam memilih suatu layanan. Tujuan penelitian ini adalah untuk menganalisis pengaruh persepsi manfaat, persepsi kemudahan, persepsi kredibilitas dan persepsi resiko terhadap minat penggunaan e-money syariah di kalangan mahasiswa di Solo. Obyek dalam penelitian ini adalah mahasiswa di Solo dengan sampel sebanyak 100 responden. Teknik analisis data meliputi pengujian instrumen penelitian, uji asumsi klasik, analisis regresi linier berganda,  koefisien determinasi dan uji t sebagai uji hipotesis. Hasil analisis menunjukkan bahwa persepsi manfaat dan persepsi kredibilitas berpengaruh signifikan terhadap minat penggunaan e-money di kalangan mahasiswa. Sebaliknya persepsi kemudahan dan persepsi resiko tidak berpengaruh signifikan terhadap minat penggunaan e-money di kalangan mahasiswa.

Bank BJB Syariah Karawang provides Loans and KPR. Loans and mortgages are Bank products in which the Bank provides a sum of money to lend to customers, with interest giving, but only a small proportion of them know the interest calculations or called Sharia-Buying when taking credit, whether it is a home loan or vehicle. The methodologi that the authors use in the writing of this thesis include the method of identification and system design. System identification includes organization identification, system running, and problem identification. While the design of the system includes design input output, DFD, ERD, data dictionary and database. Implementation activities in this company has been running well and also has been using computer-based systems, but the technology used is still a technology of the past. In doing the calculation of home loans based on sharia has also been using a computer system. As the authors observe, there are still problems that occur such as recording the margin calculation of each customer that takes a long time, so that will result in errors in the calculation of bank margin that has been established Based on the above matters, the authors argue that to overcome these problems, it is necessary to design and implement an integrated system among related functions in a system using Microsoft Visual Studio 2008 and its database Microsoft SQL Server 2005. With the implementation of the system it is expected that the input process and calculation of margin bank syaiah needed for the future can run smoothly and on time.

PKM is one part of the learning process that is applied directly in the community. Which focuses on "Agricultural/Fisheries Technology Management" (Manufacture of Liquid Organic Fertilizer (POC)). Lembang Mappa' is one of Lembang whose economy lies in the agricultural and plantation sectors. Almost all residents in Lembang Mappa' work as farmers. There is one problem that has not been resolved, namely how to make organic fertilizer whose ingredients are easily available in Lembang Mappa'. The activity of socializing and making liquid organic fertilizer from gamal leaves, rice washing water, brown sugar or granulated sugar, EM4 was carried out three times with socialization to the public about how to make liquid organic fertilizer and its application to plants. After this activity, it is hoped that farmers will be able to make their own liquid organic fertilizer at home, so they can save money on purchasing fertilizer.

The provision of credit / loans by credit-giving institutions, both banks and other financial institutions, is intended as an effort to make a profit, so the lending institution views credit / loans as a reliable source of income or profit. In connection with the issue of credit / loan provision, credit institutions such as PT. BPR Arto Moro Semarang as the party that lends money (creditors) needs to get a guarantee as a condition for the loan that the debtor will receive on condition that he gives interest when repaying the loan. In practice, the obstacles that PT. BPR Arto Moro Semarang, especially for debtors with guarantees by using the Deed of Providing Mortgage Rights (APHT) which is registered with the National Land Agency (BPN), if the credit is jammed and failed to promise, the bank will take the final step in accordance with applicable law, namely implementing execution of mortgage rights through the Office of State Wealth and Auction Services (KPKNL) or through the District Court (PN). The type of research used in this research is normative juridical. Juridical research, is used, among other things, to analyze various legal theories and laws and regulations related to the juridical review of the accounts payable agreement as a principal agreement with guarantees of insurance rights at PT. BPR Arto Moro Semarang. Juridical means that this research emphasizes the science of law. Meanwhile, normative is this research that examines the rules that apply in society. Thus normative juridical is an approach to the study of legal problems from the aspect of applicable legal regulations. The results of this study are: the settlement of bad credit tied to mortgage rights at PT. BPR Arto Moro Semarang after performing credit rescue through 3R (rechedulling, restructuring and reconditioning). Before the execution of mortgage rights is carried out, non-litigation measures by way of selling collateral based on mutual agreement based on paragraph (2) article 20 of the Mortgage Rights Law. During 2018 to 2020 Mortgage Execution can contribute to the settlement of non-performing loans as much as 45% or Rp. 15,731,212,000, - from an amount of Rp. 34,964,970,686, -. Meanwhile, the occurrence of bad credit is due to internal factors: a. Loans not fully channeled for business, b. Business management skills are still lacking, c. Very tight business competition. External factors are due to unstable economic conditions, which consequently have an impact on the ability of customers to pay off their debts.   Keywords : Bad credit, collateral, execution, and mortgage.

This article discusses the importance of saving for basic students in Sawu Hamlet, Sumberjo, Lamongan, as a proactive step in building financial literacy from an early age. The main focus is to provide an in-depth understanding of the concepts of saving, money management and financial planning through an educational approach that is packaged creatively, interestingly and can be applied in everyday life. The results of this study provide insight into the effectiveness of this program in forming wise saving habits from an early age

The transaction of buying and selling currencies is made in the form of transactions whose legal status in the view of Islamic teachings differs from one form to another. Buying and selling foreign currency in Islam the name is Al Sharf which is a sale of currency, where money is used as the object of exchange. Based on the above background, it can be formulated into several problem formulations (1) how the practice of money changer in PT. Hamdalah Kab. Jember? (2) how the review of sharia economic law against the practice of money changer in PT. Hamdalah Kab. Jember. The method used in this research is a qualitative study that uses descriptive analysis. The type of data used in this study is qualitative data. Data collection techniques used are through interviews and literature study. Based on the results of the research concluded that the practice of buying and selling money changer transactions in PT. Hamdalah Kab. Jember that uses the system of giving advances there is a mismatch. This is not in accordance with the provisions of the existing theory that in the sale and purchase of money changer does not need any down payment, but even if the practice in the field contrary to the theory does not necessarily punished harom, but this contract can be directed to the sale and purchase of salam contract. While giving a period of time in money changer transactions may be done if it becomes an unavoidable need (lil hajah) urfnya about 2-7 days.   Keywords: Sharia Economic Law, Money Changer, Al Sharf and Foreign Currency Sale and Purchase.