Abstract:This study aims to identify and analyze college students' preferences for Islamic financial products, explore the influence of these preferences on loyalty formation, and develop a conceptual model of Islamic financial consumer…
onsumer loyalty. The research method used was qualitative with a phenomenological approach. Data were collected through semi-structured interviews with 17 college students who had knowledge or experience related to Islamic financial products. Data analysis was performed using NVivo software. The results showed that college students' preferences were influenced by religiosity, financial institution reputation, trust, digital service innovation, and financial education. These factors contribute to the formation of consumer loyalty. Based on these findings, this study developed a consumer loyalty model that encompasses three main dimensions: spiritual attachment, digital engagement, and community-based advocacy. This model integrates consumer loyalty theory and Value-Belief-Norm (VBN) theory to explain the relationship between religious values, digital behavior, and loyalty to Islamic financial products. The implications of this research lie in its contribution to broadening the theoretical understanding of consumer loyalty in the Islamic financial sector and providing strategic direction for financial institutions in strengthening long-term relationships with young customers.
Abstract:The legal position between the debtor and the debtor in the bond agreement, where the borrower has the right to return proof of ownership of the collateral after the loan payment, while the borrower has the right to a higher…
gher bond amount, and the billing period in accordance with the guarantor who is entitled to payment plus principal (interest) with the borrower's monthly installments including compensation in the event of late payment. Settlement of disputes related to credit agreements, where the person concerned can arbitrate the agreement in question. Legal observations made by the judge in the decision of Case No. 70 / Pdt.G / 2020 / PN.Mdn, where the judge is of the opinion that the plaintiff has won legally there is no action taken by the Defendant on behalf of Mas Arif Fauzan and verstek. The issuance of this decision is binding on both parties because it has permanent legal force ( incracht ) and has become a new law for the parties. The judge made the decision based on previous legal opinions and the judge's belief that presenting a legitimate and persuasive action is a breach of contract.
Abstract:The legal position between the debtor and the debtor in the bond agreement, where the borrower has the right to return proof of ownership of the collateral after the loan payment, while the borrower has the right to a higher…
gher bond amount, and the billing period in accordance with the guarantor who is entitled to payment plus principal (interest) with the borrower's monthly installments including compensation in the event of late payment. Settlement of disputes related to credit agreements, where the person concerned can arbitrate the agreement in question. Legal observations made by the judge in the decision of Case No. 70 / Pdt.G / 2020 / PN.Mdn, where the judge is of the opinion that the plaintiff has won legally there is no action taken by the Defendant on behalf of Mas Arif Fauzan and verstek. The issuance of this decision is binding on both parties because it has permanent legal force ( incracht ) and has become a new law for the parties. The judge made the decision based on previous legal opinions and the judge's belief that presenting a legitimate and persuasive action is a breach of contract
Abstract:In discourse, speech is not only considered as a linguistic phenomenon but also as a means to maintain or change power relations in society. One of the clearest examples of the use of speech in discourse to change social…
change occurred in The Black Civil Rights Movement from 1955 to 1968 in the United States. Based on the interest in studying Malcolm X's speech further, the thesis writer decided to analyze Malcolm X's speech at the Oxford Union Debate using Fairclough's Critical Discourse Analysis framework with a qualitative method that will focus on linguistic issues as part of social and humanitarian issues. The results of this study showed deconstruction result of Malcolm X's speech text by analyzing various linguistic features from the dimensions of text practice (including positive and negative lexical items, key terms of ideology and belief, modality, and rhetorical devices), discursive practice (including intertextuality and shared knowledge), and sociocultural (including formality and personal pronouns), then continued with a discussion of the relationship between discourse, power, and ideology and the role of Malcolm X's speech in the historical context at that time. It can be concluded that Malcolm X's speech highlights his advocacy for revolutionary justice and self-defense for oppressed black people. He also challenged the power structures of his time, opposing segregation and exposing the hypocrisy of the American and Western governments with white supremacy and colonialism behind the mask of democracy.
Abstract:The Covid-19 epidemic have a significant risk to the public's health. The Covid-19 infection spreads swiftly and affects people of all ages. The implementation of health guidelines among students and how students feel they…
ey can complete the Covid-19 procedure cannot be separated. The goals of this study is to ascertain how students view Covid-19 prevention from the viewpoint of the Health Belief Model. This research used a descriptive survey with a sample size of 170 respondents and the sampling method is purposive sampling. Descriptive analysis of the components of HBM perceived severity category is quite good (90.0%), perceived barriers is a quite good category (68.2%), perceived benefits is found to be in a quite good category (77.6%), health motivation is in quite a good category (81.2%) and it can be seen that the perception of vulnerability (55.9%) and perception of cues to act (56.5%) was quite good. Positive perceptions include student perceptions of the Health Belief Model's effectiveness in preventing COVID-19, which are rated as being quite good. Therefore, it is envisaged that linked parties would be able to enhance health promotion initiatives for the Covid-19 prevention procedure, both directly and through media like posters put up around campuses
Abstract:Indonesia is one of the countries affected by the COVID-19 pandemic. The elderly are the group most at risk for morbidity and mortality due to COVID-19. West Aceh Regency is one of the areas with confirmed cases of COVID-19.…
-19. This study aims to analyze the behavior of preventing COVID-19 in the elderly group. This type of research is descriptive analytic, with a quantitative approach. The sampling technique used was total sampling. Data collection techniques using a questionnaire instrument. Data analysis in this study used three analyzes, namely univariate, bivariate, and multivariate. The results showed that 69.8% of the elderly with less Perceived Susceptibility but had good COVID-19 prevention. 64.7% of the elderly with good Perceived Severity but have less prevention. 63.6% of respondents have good Perceived Benefits as well as COVID-19 prevention. 69.1% of respondents have less Perceived Barriers but have good COVID-19 prevention and 69.1% have good Cues to action plus good COVID-19 Prevention. The most dominant factors that can be used in COVID-19 prevention are Perceived Severity with an OR value of 2.77 and Perceived Barriers with an OR value of 2.76. The Health Belief Model has a relationship and can cause behavioral changes in preventing the potential for COVID-19 in the elderly.
Abstract:This study aims to find out why women are the dominant victims of domestic violence. This research uses a descriptive qualitative method, with a literature study. The result of this study is that the relationship between…
men and women is still unequal, which still considers men to be more than women in all respects so that the wife/woman is only in charge of household matters. The wife's economic dependence on her husband is also one of the triggers for the violence. So that the husband commits violence with the intention that the wife no longer refuses the husband's will, as well as to show masculinity. This oppression is also caused by a subordinate view that is supported by socio-political dynamics rooted in a hierarchical, submissive level and legitimizes violence as a control mechanism. The conclusion of this study is that domestic violence is part of gender-based violence because violence was born as a result of an imbalance in the pattern of power relations between men and women which was then justified by both state law and religious beliefs as a result of interpretation gender-biased religious texts. Building a pattern of relations that is egalitarian and fair and away from the practice of violence in the context of family life is part of both humanitarian and religious duties.
Abstract:This study aims to determine the perceptions and reasons or factors underlying community preferences in choosing fracture treatment in Laucimba Village, Kabanjahe District. The study was conducted in Laucimba Village using…
ng a qualitative descriptive method, with data collection techniques including observation, in-depth interviews, and documentation. The results of the study indicate that traditional medicine has a more dominant positive perception compared to modern medicine, traditional medicine is considered more affordable in terms of cost, comfort, and a relatively faster healing process. Meanwhile, modern medicine is perceived as a more certain and safe treatment because it is supported by medical examinations and professional health workers, but some people consider this treatment expensive and high risk because it requires surgery. Community preferences are generally influenced by factors such as cost, distance and accessibility, personal experience, and the influence of family and social environment. Community decision-making in choosing fracture treatment is a rational action that is adjusted to conditions, needs, and beliefs
Abstract:Bell's palsy, adanya gangguan pada saraf wajah yang bertanggung jawab untuk mengatur ekspresi dan indra peraba pada kulit wajah manusia, mengakibatkan kelumpuhan atau kelemahan sementara pada salah satu bagian otot wajah,…
, yang merupakan gejala klinis mononeuropati (gangguan hanya satu saraf). Kondisi ini mengubah satu sisi wajah, membuatnya tampak melorot (asimetris), namun tidak berpengaruh pada seberapa baik otak atau bagian tubuh lainnya bekerja. Dalam mendiagnosa penyakit ini,biasa pasien berkonsultasi dahulu ke dokter umum, namun jika penyakit yang diderita berat maka dokter umum akan merujuk ke dokter spesialis saraf. Namun demikian,ada beberapa masalah yang dihadapi oleh pasien bell’s palsy yaitu tidak semua orang bisa datang berkonsultasi langsung dengan dokter spesialis saraf dengan alasan faktor ketidaktahuan pendaftaran sebagai pasien baru, mahalnya biaya konsultasi,dan lama menunggu antrian. Dapat ditarik kesimpulan bahwa sistem kecerdasan buatan diperlukan untuk memfasilitasi pengambilan keputusan yang lebih sederhana dan lebih konsisten. Metode Dempster Shafer akan digunakan oleh sistem pakar untuk mengelola data dan gejala penyakit pasien. Metode Dempster Shafer adalah perhitungan matematika untuk mencari bukti berdasarkan tingkat kepercayaan (belief) dan ketidakpercayaan (plausibility) untuk digunakan dalam menyatukan informasi dan menghitung probabilitas (peluang) suatu peristiwa. Metode Dempster Shafer diuji, dan dibuat diagnosis bell's palsy dengan nilai densitas 80%. Oleh karena itu, pasien dengan bell's palsy dapat didiagnosis dengan metode ini.