Abstract:This study seeks to explore the relationship between the understanding of fintech usage, behavioral intention, financial literacy, customer satisfaction, and brand image within the framework of the Bibit investment application.…
cation. As consumer awareness of digital financial services continues to increase, companies are adopting strategies to strengthen user engagement and foster trust. The research highlights the critical role of financial literacy and customer satisfaction in cultivating stronger relationships between users and fintech platforms. The findings indicate that enhancing financial literacy and providing intuitive, user-friendly experiences not only elevate customer satisfaction but also encourage greater user loyalty. In light of the rising demand for informed decision-making and trust in digital financial services, fintech platforms that align with consumer expectations regarding education and service quality are better positioned to build long-term, meaningful relationships with users, thereby promoting sustained engagement and brand loyalty. Furthermore, the paper addresses the potential directions for future research focused on enhancing customer engagement with fintech platforms, particularly in the context of a highly competitive and awareness-driven market.
Abstract:This study aims to determine the process and results of the application of flashcard media in improving mastery of mufrodat (Arabic vocabulary). This type of research is Classroom Action Research (PTK). The subject of the…
e research was the seventh grade students of SMP Pesantren Putri Yatama Mandiri Gowa with a total of 28 people. Data collection techniques used in the study were test sheets and observation sheets. This research was conducted in 2 cycles and each cycle consisted of 2 meetings. The results of this study indicate that the average score obtained by students has increased. In cycle I, the average value was 69% and the average value in cycle II was 91%. The average score obtained by students in learning mufrodat by using flashcards media increased by 22% from the value of cycle I to the value of cycle II.
Abstract:This study examines the effectiveness of the mind mapping method in improving student memory in Islamic Religious Education (PAI) subjects. Conventional learning methods are often less effective in stimulating students'…
memory because they only activate the left brain. Mind mapping, as a visual and holistic approach, is believed to overcome this limitation by involving the right brain in information processing. The results showed a significant improvement in students' memory and understanding of PAI materials after the implementation of the mind mapping method. Mind mapping's ability to systematically connect ideas and build comprehensive understanding contributed to the improvement in memory. This method proved to be flexible and effective for various PAI materials, including fiqh, SKI, akidahakhlak, and Al-Qur'an Hadith. This study recommends the use of mind mapping as an innovative learning strategy to improve the quality of PAI learning and student learning outcomes
Abstract:This research aims to develop an interactive learning media based on the Canva Magic application to improve the short story writing skills of grade IX students of SMP Negeri 2 Barombong. The media development process follows…
ollows the 4D (Define, Design, Develop, Disseminate) model, starting with an analysis of the needs of students and teachers that shows students' tendency towards visual and interactive learning media. This media is designed to present short story writing material in an interesting and easy-to-understand way. The research methods used in this study are research and development or Research and Development (R&D) with descriptive quantitative analysis methods, data collection techniques include media validation questionnaires, practical observations, and short story writing skills tests before (pretest) and after the use of media (posttest). This media prototype is designed with excellent features such as storyline templates, character illustrations, and interactive and visual step-by-step guides. The results of expert validation show a very high level of validity in the material and media aspects. The practicality test showed that the score increased from 0.73 (practical) to 0.97 (very practical). The results of the effectiveness test showed a significant increase in the short story writing skill score, with an average pretest score of 65 and the posttest increased to 90-98. So, it can be concluded that Canva Magic learning media with the AI-based Magic Write feature is effective and practical to improve short story writing skills in a creative, systematic, and meaningful way for students.
Abstract:Beneficial Owner or beneficial owner in Presidential Decree Number 13 of 2018, explained as holder power and authority the highest one has control full towards the Corporation as a GMS. Based on his rights as regulated…
� in Presidential Decree Number 13 of 2018 , Beneficial Owners have equal standing with Major Shareholders who have shares , rights sound and get profit more of the 25% where has exceeding the ownership limit share holder share main namely at least 20% in the company . Corporations are often used as tool somebody For avoid not quite enough answer disclosure origin treasure riches as well as use assets . Misuse ownership benefit can harm holder share minorities , employees , creditors , and lead to crime businesses that are detrimental to the country, such as act criminal corruption , crime criminal money laundering , crime criminal funding terrorism , and others . The role of notaries in recognize Owner Sorry in Corporations , have obligation For to apply principle recognize Owner Benefits done through identification , verification and monitoring towards the Corporation as user service as regulated in Presidential Decree Number 13 of 2018 and Perkumham Number 15 of 2019. However , in reality matter the Not yet can implemented in a way maximum because of its complexity structure ownership in a Corporation and No existence clarity position about Beneficial Owner or beneficial owner in UUPT, apart from That Still many Corporations as user services that are still Not yet cooperative in give information related The Beneficial Owner is the real . Vacancy law related position Beneficial Owner or beneficial owner in a Corporation because Still Not yet there is arrangement legislation that regulates in a way clear and specific .
Abstract:To determine the rightful heirs must be determined in court voluntarily as regulated in Article 49 Letter b of Law Number 3 of 2006 concerning the Authority of Religious Courts. However, in reality there are heirs who are…
e unwilling to submit an application for the determination of heirs, resulting in the obstruction of the rights of other heirs. The purpose of writing this thesis is to explain the procedures and special requirements in submitting a contentious determination of heirs, to explain the evidence of the applicants against the heirs, and to explain the efforts made to overcome obstacles in determining heirs contentiously. This research is an empirical legal research, data is obtained directly through interviews and literature reviews. Data is collected and then analyzed qualitatively. The results of this study indicate that there are still many heirs who submit the determination of heirs voluntarily with a lack of parties and result in their decisions being declared unacceptable, but in terms of contention there are still many heirs, judges and lawyers who do not know that there are provisions in the Circular of the Supreme Court (SEMA) Number 5 of 2021- Formulation of the Law of the Religious Chamber-2.b there are special procedures and requirements and proof in the submission as well as obstacles and efforts that must be made in the application for determination of heirs contentiously which is different from voluntary. It is recommended that the Sharia Court provide information regarding the new provisions in submitting applications to both lawyers and interested parties in order to obtain legal certainty because many parties do not yet know these provisions.
Abstract:Article 6 of Law No. 4 of 1996 gives creditors the right to execute parate against the object of the mortgage. However, in decision No. 0112/Pdt.G/2017/MS-BNA, the Sharia Court annulled the deed of gift. This study aims…
to analyze the judge's considerations, the legal force of certificates and deeds in bank mortgages, and legal protection for mortgage holders. This study is a normative legal study. Data were collected and then analyzed qualitatively. The results of the study indicate that the judge annulled the gift because it did not meet the legal requirements according to Islamic law and the Compilation of Islamic Law. The decision has implications for the cancellation of all related documents, including the certificate of ownership, the deed of granting mortgage rights, and the credit agreement, so that they no longer have legal force as debt collateral. Legal protection of creditors due to cancellation of grants according to Article 11131 of the Civil Code, even though the collateral guarantee is cancelled, the creditor still has legal protection through general guarantees, namely that all of the debtor's assets can be used as objects of debt fulfillment and the creditor can request seizure of collateral and the application of the principle of good faith of the bank that has acted according to the procedure for granting credit. It is expected that judges will prioritize the principles of justice, proportionality, the principle of good faith, and substantive justice in banking and financing practices in Indonesia.
Abstract:The science of Jarh wa Ta’dil is one of the main branches in the study of Hadith Science which plays a role in assessing the moral credibility and intellectual abilities of the narrators. In classical times, this science…
ce became an important foundation in ensuring the validity of the sanad of hadith. However, amidst the rapid development of technology and the rapid flow of religious information through digital media, serious challenges have emerged in the process of verifying hadith, especially on platforms with minimal scientific studies. This study aims to examine the sustainability and application of the principles of Jarh wa Ta’dil in responding to the rampant disinformation of hadith in the digital era. Using a descriptive qualitative approach and literature study, this article concludes that the critical principles in the Science of Jarh wa Ta’dil remain relevant and can be developed to support digital religious literacy. One solution is through a digitalization system of hadith based on sanad and the authority of the narrators. The synergy between the heritage of classical science and advances in information technology is an important step in maintaining the authenticity of Islamic teachings from deviant narratives.
Abstract:The type of research used is class action research. Data collection techniques used are observation, documentation, tests. Data analysis techniques used are data collection, data reduction, data presentation, and conclusion.…
ion. It can be concluded that the application of murottal method in RA Perwinda 4 Madining, Soppeng, proved effective in improving the ability to read and memorize the Qur'an children through an interactive and fun approach. The use of murottal audio from famous reciters/qariahs helps the child hear and imitate the correct recitation as per Tajweed, while the combination with creative methods like hand gestures and hijaiyah card games keeps their engagement. The study showed a significant increase in the ability to memorize short Surahs, from an average of 21.9% in the pre-cycle to 85.9% in the second cycle. This approach also supports the natural formation of Islamic character, making the murottal method an effective and innovative strategy in learning the Qur'an at an early age.
Abstract:Post-mining land generally exhibits low nutrient levels, requiring soil enhancement via the use of chemical or organic amendments. The application of fertilizers and lime markedly affects soil conditions and can improve…
soil fertility. Soil fertility is essential as a substrate for plant growth to support reforestation or reclamation initiatives. After the planting medium is properly prepared, it can be inhabited with plant species appropriate for the site's conditions. This study's methodology involves assessing land conditions through the analysis of soil characteristics and the measurement of soil pH in the designated area. The study's results indicated that the soil texture in the research region is classified as sandy loam and loamy sand, with an average pH of 4.5. To enhance soil conditions, 100 grams of lime is necessary for each planting hole, totaling 625 trees. Therefore, 62.5 kg of dolomite lime per hectare is required for soil rehabilitation in the post-mining region.