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 Triartha Cipta Mandiri is a company that operates as a housing developer. PT. Triartha Cipta Mandiri (which is shortened to PT. TCM) moves side by side with PT. Rico Cipta Mandiri is located at Ruko Tangerang City Business Park, D/8, Jl. Raya Jendral Sudirman, Banten. Director of PT. Triartha Cipta Mandiri is Mr. Hamsir Siregar, S.H., M.H. PT. Triartha Cipta Mandiri has been established for 10 years with a Deed of Company Establishment from the Tangerang Regency Notary, Mr. Deni Nugraha, S.E., S.H., M.Kn. dated 25-09-2013 and has received approval from the Minister of Law and Human Rights of the Republic of Indonesia, as stated in his Decree dated 27-09-2013 Number: AHU-50281.AH.01.01 TAHUN 2013. So far, PT. Triartha Cipta Mandiri is expanding its wings in the field of selling subsidized houses. The name of the housing developed by PT. Triartha Cipta Mandiri is Granada Rajeg City which is located in Rajeg District, Tangerang Regency, Banten. Houses that sells by PT. Triartha Cipta Mandiri is a subsidized house by the government with a price of Rp. 168,000,000,- and the houses’ building area of ​​30 M2 and a land area of ​​60 M2. Inside the house there are 2 bedrooms and 1 bathroom. Houses marketing is carried out by deploying several marketing agents. Other than that, to carry out sales and purchases that have been agreed with consumers, PT. Triartha Cipta Mandiri entered into a credit agreement at Bank BTN Syariah. During 2023, house sales have reached 74 houses.

This study aims to describe and analyze the financial performance of PT Bukit Asam Tbk Indonesia, which is reviewed using the analysis of liquidity, solvency, and profitability ratios. The analysis method used is the descriptive analysis method. The data used in this study is secondary data derived from the main website of PT Bukit Asam Tbk and focuses on the financial statements for the period 2018–2022. The results of the research analysis show that the company performance of PT Bukit Asam Tbk Indonesia in terms of liquidity, solvency, and profitability ratios is in the "very good" category by industry standards. However, there are only two aspects of measurement in the "less good" category of PT Bukit Asam Tbk Indonesia's financial performance in several years, namely in terms of debt-to-assets ratio and net profit margin. It can be seen that this company can increase the value of assets and capital to pay corporate debt and guarantee creditor interest payment.

Micro businesses are businesses that are in great demand among the Indonesian people. Apart from requiring relatively small capital, micro businesses are also one of the businesses that were able to survive in the face of the 1998 monetary crisis. This research aims to see the effect of working hours and labor which are moderated by the People's Business Credit (KUR). ) dtowards Micro Business income. This research uses a quantitative and associative research approach by collecting primary data using questionnaires from people who have micro businesses in Moyo village, Moyo Hilir sub-district, Sumbawa regency. The data analysis method used is the Moderated Regression Analysis (MRA) data analysis method. The results of the research show that working hours and labor and labor influence the income of Micro Businesses in Moyo village by 52% before the People's Business Credit (KUR) moderation. 80%. So that People's Business Credit Strengthens the Influence on Micro Business Income. Then the results of this research also show that working hours have a positive effect on micro business income and labor has a positive effect on micro business income in Moyo Village, Moyo Hilir District, Sumbawa Regency.

The authority of the notary in carrying out the duties as well as the office of a notary. In article 1, paragraph (1) of Act No. 30 of 2004 on the Office of Notaries, notaries are public officials authorized to make authentic acts and other authorities as referred to in this Act. One of the notary's powers is to make authentic acts. The acts made by the notary, for example, the appointment of a limited company (PT), changes and public records of shareholders, founding of foundations, establishment of materials of other enterprises, authority to sell, lease agreement, sale agreements, declaration of inheritance rights, wills, establishing of CV including its modifications, recognition of debt, credit agreements and granting of liability, cooperation agreements, employment contracts, all forms of agreements not excluded to other officials, therefore the act relating to the agreement of absolute cooperation is authority by the Notary to make such an authentic act. This is what can be investigated about the notary's authority in authentication. This research uses the method of normative legal research, normative law research is an approach that is applied to discussing research issues through the statue approach, the analytical and conceptual approach and the comparative approach. (Comparative Approach). From the results of the research can be drawn the conclusion that a particular act is judged as a criminal act based on the result of a normative consideration of several judges decisions.

It is hoped that the results of this research can be used as input and consideration for companies in making decisions and establishing policies to overcome problems related to the level of Non-Performing Loans of banks, especially Rural Banks. The population of this research are customers who use credit services who have experienced problems, especially in the non-performing loan category. The research uses quantitative research methods with analysis using the SPSS application and using multiple regression analysis techniques. In this research, the results can prove that the results of Non-Performing Loans will influence the increase in income. The results of the t-test analysis = 3.578 means that the hypothesis can be accepted, because the t-test > tcount. namely 3.578 > 3.078, meaning there is a correlation between the Non-Performing Loan variable and an increase in company income.   Keywords: non-performing loans, increasing income, banking

Fraud detection is used in various industries, including banking institutes, finance, insurance, government agencies, etc. Recent increases in the number of fraud attempts make fraud detection crucial for safeguarding financial information that is confidential or personal. Many types of fraud problems exist, including card-not-present fraud, fake Marchant, counterfeit checks, stolen credit cards, and others. An ensemble feature selection technique based on Recursive feature elimination (RFE), Information gain (IG), and Chi-Squared (X2) in concurrence with the Random Forest algorithm, was proposed to give research findings and results on fraud detection and prevention. The objective was to choose the essential features for training the model. The Receiver Operating Characteristic (ROC) Score, Accuracy, F1 Score, and Precision are used to evaluate the model's performance. The findings show that the model can differentiate between fraudulent transactions and those that are not, with an ROC Score of 95.83% and an Accuracy of 99.6%. The F1 Score of 99.6%% and precision of 100% further sustain the model's ability to detect fraudulent transactions with the least false positives correctly. The ensemble feature selection technique reduced training time and did not compromise the model's performance, making it a valuable tool for businesses in preventing fraudulent transactions.

The purpose of this study is to find out how the responsibility of a Debt Collector who is confiscating a bad credit vehicle is due to default from the debtor. The Debt Collector who carries out his duties cannot just arbitrarily withdraw the existing vehicle because it must comply with the applicable laws and regulations. Both creditors and debtors have fair legal protection. The debtor who makes a credit must also have the competence so that the credit is paid smoothly. If an act of default occurs, it can be prosecuted through civil law or if there is embezzlement of the motor vehicle used by the debtor, it can be prosecuted through criminal means. This article uses a normative research method whose approach is based on an approach to the legislation in force in Indonesia. Where in this normative research provides a view of how the Debt Collector should work according to the current law. Between the creditor and the debtor, there must be synchronization in carrying out their obligations so that there are no problems that lead to the withdrawal of the vehicle being used by the debtor. The fiduciary law that becomes the guarantor must be better understood by debtors who will make vehicle loans to better avoid the occurrence of the default act itself. Looking at the existing conditions, it is possible that many people who enter into credit agreements do not understand the importance of a law or law that applies in Indonesia. It is possible that if many people understand the law, the Leasing party no longer needs to use the services of a Debt Collector.

The purpose of writing this article is to determine the application of the nearest neighbor classification algorithm in diabetes detection. This nearest neighbor classification algorithm is a classification method often used to classify objects based on available data. This method works by searching for the closest objects in the dataset and classifying the new objects based on the closest object category. The application of the KNN algorithm can be carried out in various fields, such as analyzing the feasibility of credit granting, classifying online news materials or diagnosing diabetes. In this article, the researcher uses a literature review research method assisted by a descriptive analysis approach, to analyze the data and by describing the data that has been previously collected where the author describes data that has been obtained from various literary sources such as journals, data and others. The data obtained will be analyzed and interpreted in accordance with the objective of this research, which is to determine the application of nearest neighbor classification to detect diabetes.

The main consider youth improvement is parental inclusion. Proper nurturing is nurturing that includes guardians in fostering the kid's personality. The justification behind this Provincial Government is to extend the data of guardians in teaching kids by grasping the kid's personality first. Prior to deciding a nurturing style, guardians should initially perceive their kid's personality to accomplish amicable and adjusted nurturing. Kids' advancement is incredibly affected by guardians' nurturing styles. The procedure for completing this activity is a fascinating examination utilizing talk and Q & A methods. The method for completing local area administration comprises of three phases, specifically readiness, execution and evaluation. The subjects of this help were the gatekeepers and occupants of Bandar Magodang City, Bintang Bayu Area who were held tight August 19 2023 of every one of the inhabitants' homes. After the coaching exercise, the guardians comprehend that it is vital to figure out the youngster's credits first, so later the guardians can understand what sort of care can be utilized thinking about that care affects the kid's turn of events.

This study aims to determine the position of the object of the fiduciary guarantee transferred by the debtor based on the agreement with PT. Pegadaian and to determine the efforts to settle the credit transferred by the debtor. This research was conducted at PT. Pegadaian Pasar Butung Makassar and used the Normative-Empirical research type method. The approach is carried out with literature in reality based on interviews and documentation. The results of the study indicate that to determine the legal position of the object of the fiduciary guarantee transferred by the debtor, registration is required. PT. Pegadaian does not register a fiduciary guarantee in its entirety with consideration of costs, so that the legal position of the object of the fiduciary guarantee has a legal weakness in the sense of lack of legal certainty for creditors, because the debtor has violated the provisions of Article 23 paragraph (2). In addition, to settle loans with fiduciary guarantees whose objects are transferred by the debtor, PT. Pegadaian takes a negotiation method with the debtor and the third party who receives the transfer of the object of the fiduciary guarantee, namely by replacing the object of the collateral transferred to the third party with the object belonging to the debtor whose value is equivalent to the object of the guarantee that has been transferred, because PT. Pegadaian has material rights over the object of collateral.

settlement of bad debts made by debtors, is a violation of the program credit distribution program against sulut-go bank which has generated a lot of speculation about the rules of civil law. The problem is the enforcement of the law against the debtor allegedly with the issue of the article on the crime of corruption article 2 paragraph 1. The purpose of this research is to find out thoroughly about the enforcement of bad credit in the review of civil law. bad credit in the review of civil law and judge's decision, the problem of bad credit, and default. and default. Bank Sulut-Go which is in limboto branch against debtors who have bad credit.  and discussion of the research that there is an imprudence that is done by the bank regarding the credit process by pledging something that does not belong to the debtor, but is processed.belonging to the debtor, but processed. Furthermore, that this contract occurs contract with a repayment duration that is not yet due but has already entered the court. The conclusion drawn by the researcher is that when a case that still has a contract it includes default and is a problem of bonding between people because it arises due to the cideranya promise, whose resolution path must be the civil realm. Default in bad credit can be recognized when there is an error, negligence, and willfulness.

This research aims to determine the legal protection for creditors if the fiduciary guarantee deed is not registered by a notary, and the legal implications if the fiduciary guarantee is not registered by a notary. The method used in this research uses the Juridical Sociology method.The results of the research show that a fiduciary agreement which makes the object of collateral (in the form of objects) in a subsidiary agreement (acessoir) of the main agreement has weak legal protection for creditors if the agreement is not registered by a Notary through the Fiduciary Guarantee Institute, as stipulated in the Law Number 42 of 1999 concerning Fiduciary Guarantees. The legal implications for creditors' rights because they do not comply with the principle of publicity as per the applicable consensus, in this case is Law Number 42 of 1999 concerning Fiduciary Guarantees which regulates Preferential Rights and Executorial Rights.For the implementation of financing by making objects into objects, an agreement process should be carried out in accordance with the Fiduciary Guarantee consensus by referring to Law Number 42 of 1999, by fulfilling the principle of publicity as the main legal principle in material guarantee law.

The increasing public interest in using the paylater feature on the Shopee application is still increasing and quite a few people do not understand their rights and obligations in using this feature. In order to provide certainty and protection for users and business actors, regulations are needed for paylater service providers. This research was created to analyze the form of agreement that arises in the implementation of sales and purchases using the Shopee Paylater feature, including the legal relationship between the parties to the transaction. The panel research method used is normative juridical which examines only library data or secondary data, which includes primary, secondary and tertiary legal materials. According to existing research results, the agreements that occur in Shopee Paylater transactions with users based on the analysis of Article 1313 of the Civil Code do not conflict and this agreement is valid as explained in Article 1320 of the Civil Code. This agreement can occur in transactions which are standard agreements, namely agreements where the existing terms and conditions have been regulated unilaterally by the agreement provider. The standard agreement contained in the agreement in this paylater feature is regulated in Article 1319 of the Civil Code. The legal relationship between the parties concerned is PT. Commerce Finance as a creditor with Shopee Paylater consumers as a debtor based on a loan agreement as stated in Article 1754 of the Civil Code. The legal relationship that exists between PT. Commerce Finance with PT. LDN which is the giver of power of attorney and recipient of power of attorney. This of course makes PT. LDN has the right to distribute funds to the relevant Shopee Paylater users.

Cooperation between economic actors such as financial institutions is an embodiment of the concept of the rule of law in economic development. Financial institutions such as banks provide credit to the public but there are also credit risks. So Bank Indonesia issued Guidelines for Preparing Credit Policies (PPKPB) for Commercial Banks, on March 31 1995, through Bank Indonesia Directors' Decree No.27/162/KEP/DIR which contains credit agreements in standard form. The existence of standard clauses in bank credit agreements containing the debtor's obligations, which aim to protect the creditor's interests, is unfair to the debtor. For this reason, it is necessary to study the weaknesses in the regulation of default on agreements with guarantees of mortgage rights. This research is based on John Rawls's Theory of Justice and Lawrence M. Friedman's Legal System Theory. The research specifications are analytical descriptive, with a sociological juridical research type. Regulations on default on agreements with guaranteed mortgage rights have weaknesses in the legal structure aspect, namely the lack of synergy between law enforcement officials. Apart from that, there are weaknesses in the legal substance aspect, namely related to the provisions contained in Article 15 UUHT, as well as weaknesses in the legal culture aspect which can be seen from the public's lack of knowledge about credit agreements and the lack of socialization regarding legal regulations related to the basic principles of agreement law.

In debt and credit problems, bankruptcy is often the last solution to resolve the problem. State-Owned Enterprises or SOEs are also not immune from debt and credit problems that lead to bankruptcy. The regulation regarding the bankruptcy of SOEs itself is regulated in Article 2 Paragraph (5) of the Bankruptcy Law and its explanation. However, problems then arise when the subsidiaries of SOEs become bankruptcy respondents. There is no legislation that specifically regulates the bankruptcy of SOEs Subsidiaries, so this has led to confusion and debate in the community regarding the status of SOEs Subsidiaries in terms of bankruptcy. The ambiguity and debate can be seen in the implications of the bankruptcy petition case filed by the Kinarya Liman Margaseta Consortium against PT Indonesia Power, which is a Subsidiary of SOEs, namely PT PLN. This research aims to find out how the position of a SOEs Subsidiary in terms of bankruptcy is reviewed from the Bankruptcy Law and SOEs Law. The type of research used in this research is normative legal research. The research specifications used in this research are descriptive analysis. The approach used in this research is a statutory approach and case approach. Based on the results of this case study, it can be seen that when viewed from the Bankruptcy Law and the SOEs Law, basically the subsidiaries of SOEs and SOEs cannot be equated in status and position. This is supported by several theories and strengthened by the Constitutional Court Decision and the Supreme Court Decision. Thus, PT Indonesia Power's bankruptcy petition should be filed by its creditors in addition to the Minister of Finance.

Field Work Practice is a mandatory assignment for undergraduate students in Informatics Engineering at the Muhammadiyah University of East Kalimantan, Samarinda, with a weight of 2 credits. The focus of this PKL is IT Requisition (ITR), a form for requests for IT equipment outside the specified list of assets and services. Analysis of ITR and BMC data at PT. BUMA Site LATI concludes that monitoring IT service desk data shows several important points, especially regarding ITR. The results of this analysis are the basis for concluding the efficiency and effectiveness of IT services, with potential recommendations for improvement. This conclusion provides a better view of understanding and improving IT service desk services at PT. BUMA Site LATI.

The aim of this thesis is to determine the influence of service quality on customer satisfaction with People's Business Credit (KUR) financing at Bank Syariah Indonesia Sub-Branch Office (KCP) Paser Tanah Grogot. Based on the Validity Test which contains 26 statement items, it is declared valid, because rcount > rtable, with an rtable value of 0.3120. The results of the Reliability Test which contains 26 statement items are declared reliable, because the Cronbach alpha value is greater than 0.6 then the Multiple Linear Regression Equation which contains the value of each variable is Y = 1.488 - 0.001X1 + 0.313X2 - 0.035X3 - 0.216X4 + 0.560X5. Based on the Correlation Coefficient Test (R), it shows a value of 0.760 and is in the Coefficient interval 0.60 – 0.799, which means there is a strong influence between Direct Evidence (X1), Reliability (X2), Responsiveness (X3), Assurance (X4) and Empathy (X5) on KUR Financing Customer Satisfaction (Y). The results of the Adjusted R Square Determination Coefficient (R2a) show a value of 0.515 or 51.5%, which means that Direct Evidence (X1), Reliability (X2), Responsiveness (X3), Assurance (X4) and Empathy (X5) provide a percentage contribution or the contribution that influences the KUR Financing Customer Satisfaction variable (Y) at Bank Syariah Indonesia KCP Paser Tanah Grogot is 51.5% while the remaining 48.5% is contributed by other variables not included in this research. The results of the F test calculation analysis (simultaneous) obtained an Fcount value of 9.295 and Ftable using a significance level of 0.000 while the Ftable value was 2.49. So Fcount is 9.295 > Ftable value is 2.49 and the hypothesis test is accepted because there is a significant influence on KUR Financing Customer Satisfaction. The results of the t test calculation analysis show that the t value of the Reliability variable (X2) is 3.341 with a significant level of 0.002, Empathy (X5) is 4.017 with a significant level of 0.000 which has an influence on KUR Financing Customer Satisfaction (Y). Meanwhile, the t-calculated value of Direct Evidence (X1) is -0.007 with a significant level of 0.995, Responsiveness (X3) is -0.187 with a significant level of 0.853, and Guarantee (X4) is -1.819 with a significant level of 0.078 and has no effect on KUR Financing Customer Satisfaction (Y). Based on the calculations above, the Empathy variable (X5) has a dominant influence on KUR Financing Customer Satisfaction (Y) with a t value of 4.017 with a significance level of 0.000. Thus, the second hypothesis in Chapter II which states that the Guarantee variable (X4) has a dominant influence on KUR Financing Customer Satisfaction (Y) is not proven correct (H0 is accepted Ha is rejected).

This research aimed to analyze the effect of perceived usefulness, perceived ease of use, perceived trust, and perceived risk on the use of mobile payments by Telkom University students. The use of mobile payments is a method that can be used as an alternative to cash, checks, credit cards, and debit cards and can create new opportunities for payment methods. The population in this study was all Telkom University students. The sampling technique used is the probability sampling technique. The sample used was 282 respondents. Data was obtained through the distribution of questionnaires through Google Forms. The analytical method uses multiple linear regression analysis using SPSS version 26 software. The results show that perceived usefulness, perceived ease of use, perceived trust, and perceived risk have a positive effect on the use of mobile payments. The results of this study are expected to provide an overview for digital payment service providers to improve service quality in using mobile payments so that they can maintain user consistency, increase security so the user trust does not decrease, and pay attention to risks that may occurarticle.

The problem is that people with disabilities are always considered not to be independent and are often seen as lacking performance in companies. This greatly influences employees with disabilities in adapting to the work environment. Apart from that, the problem raised is the quality of performance of employees who are considered to have committed fraud. The aim of this research is to look at the quality of performance of accountants with disabilities found in literary works. The research method used is the hermeneutical method. The method used is to understand the text and the problem to be able to understand and know the strengths and weaknesses of the text. This research uses data from the literary work used entitled Love Risk Management by Helen Tanuwan. Theories in research are incongruent. The results of this research show that the main character has hearing problems but there are conditions imposed by his former boss so that the main character must be responsible for the bad credit of one of his customers.    

This research aims to analyze the factors that influence customers' decisions in choosing Hasanah Card as the credit card of choice. Credit cards, as an important financial instrument, increasingly dominate consumer choices in managing their finances. In this context, Hasanah Card stands out as an attractive option in the credit card market, especially in the sharia-based financial environment. This research uses an analytical approach to identify the main factors that shape customer preferences for the Hasanah Card. These factors involve aspects such as sharia compliance, benefits and incentives, comfort of use, and brand image. Through surveys and data analysis, this research aims to provide in-depth insight into what factors most influence customers' decisions in choosing a Hasanah Card credit card. The results of this research are expected to provide an important contribution to the understanding of the Islamic banking industry, especially in the context of credit cards. In addition, these findings are expected to provide guidance for financial service providers to improve the quality of their products, accommodate customer needs, and strengthen Hasanah Card's position in an increasingly competitive market.