Abstract:Abstract The motivation of this research is related to the use of QRIS in micro, small, and medium-sized enterprises (UMKM) in Semarang District. QRIS is a digital payment tool introduced by Bank Indonesia in 2019. The Government's…
Government's initiative in launching QRIS is to make it easier for people who prefer digital payments, especially young people in Indonesia. The use of QRIS itself is increasing every year. The Governor of Bank Indonesia stated that more than 90% of UMKMs in Indonesia have used QRIS. The benefits of using QRIS for UMKM are faster payment processes, no need to prepare for money returns, increased sales turnover, easier settlement process, and financial discipline. The model used in this study is the Technology Accepted Model (TAM). TAM is a method to measure individual reception to the use of information technology systems. This research uses a quantitative descriptive approach. Micro, small, and medium-sized enterprises (UMKM) are used as populations in this study. In the sample selection, the researchers conducted the dissemination of the questionnaire with two events, namely online and offline. The samples obtained after the implementation of disseminated questionnaires and according to the conditions of the research sample are as many as 210 UMKM. Further, SmartPLS version 4 software is used for data processing. The findings from this study are that product knowledge variables significantly affect the use of QRIS. Perceived usefulness variables have also been found to influence the use. The same thing was also found in the perceived ease of use variable. Other findings that are backward related to the perception of risk variables. On this variable, it has been found that there is a negative influence against the use, so, it can be concluded that UMKM in Semarang district is still afraid related to financial risk as a result of the QRIS use.
Abstract:Islamic economics has different principles from conventional economics, including in terms of sales contracts. In Islamic economics, there are several types of sales contracts used, such as bai' al-salam (future sales) and…
nd bai’ al-salam(manufacturing sales). Trust sales contracts are also important in ensuring transparency of the price of the goods or services sold. The research method uses descriptive qualitative in describing and explaining specifically with literature studies in data collection. The purpose of this research is to find out specifically about the types and qualifications of sharia sales that do not contain gharar and usury. In Islamic economics, payments in sales contracts can be deferred or paid in installments without involving interest or riba. This allows the buyer to pay according to an agreed schedule. Sales contracts in the Islamic economy differ from interest-bearing loan contracts, where there is an exchange of goods or services at a predetermined price. Islamic banks use sales contracts as a legitimate alternative to interest-bearing loan contracts, allowing them to provide financing that is fair and compliant with sharia principles. In the Islamic economy, there are also contracts for the sale of future commodities (salam), the sale of manufacturing (istisna'), and currency exchange (sarf). Islamic banks have an important role to play in facilitating these sales contracts, as intermediaries who ensure the contracts adhere to Shariah principles and meet applicable legal requirements. With a good understanding of the different types of these sales contracts, economic actors can choose the ones that suit their needs while complying with sharia principles.
Abstract:Abstract:CV. Laut Abadi Steel is a company engaged in the sale of building materials. The main goal is to improve the quality of service to customers in terms of buying and selling services. CV. Laut Abadi Steel has not…
yet used information technology so there are several problems with the transaction system because it is still done manually. Therefore, an Android-based mobile system is needed that is integrated into a restfull web service in order to increase efficiency in serving customers. Customers will find it easier to get information about the products offered, place orders, and arrange transactions online without having to visit a store. It can also speed up the transaction process and reduce communication errors between customers and stores. The use of restful web services in mobile applications also allows integration with other systems, such as payment systems that can improve customer experience. Thus, the results of testing the designed application work according to the system design mechanism at the beginning. This application can handle well the process of displaying building product information, managing payments, and printing sales reports and invoices.
Keyword: mobile; transaction; restfull web service; android
Abstrak: CV. Laut Abadi Steel merupakan perusahaan yang bergerak di bidang penjualan material bangunan. Tujuan utamanya adalah meningkatkan kualitas pelayanan kepada pelanggan dalam hal jasa jual beli. CV. Laut Abadi Steel belum menggunakan teknologi informasi sehingga terdapat beberapa kendala pada sistem transaksinya karena masih dilakukan secara manual. Oleh karena itu dibutuhkan sistem mobile berbasis android yang terintegrasi pada restfull web service agar dapat meningkatkan efisiensi dalam pelayanan kepada pelanggan. Pelanggan akan lebih mudah mendapatkan informasi tentang produk yang ditawarkan, melakukan pemesanan, dan mengatur transaksi secara online tanpa harus mengunjungi toko. Hal ini juga dapat mempercepat proses transaksi dan mengurangi kesalahan komunikasi antara pelanggan dan toko. Penggunaan restful web service dalam aplikasi mobile juga memungkinkan integrasi dengan sistem lain, seperti sistem pembayaran yang dapat meningkatkan pengalaman pelanggan. Dengan demikian, hasil pengujian aplikasi yang dirancang bekerja dengan sesuai mekanisme perancangan sistem di awal. Aplikasi ini dapat menangani dengan baik proses menampilkan informasi produk bangunan, pengelolaan pembayaran, dan cetak laporan penjualan serta invoice.
Kata Kunci : mobile; transaksi; restfull web service; android
Abstract:In today's digital era, information technology has influenced various aspects of life, including financial transaction methods. Digital payments are one practical solution to simplify transactions and reduce the use of cash.…
ash. One of the increasingly popular digital payment methods in Indonesia is QRIS (Quick Response Code Indonesian Standard). QRIS is a QR code standard for digital payments that makes it easier for consumers and business actors to make transactions. However, there are still many Al Ma'shum High School teachers who do not fully understand and utilize this technology. Therefore, counseling is needed to improve the knowledge and skills of Al Ma'shum High School Teachers in using QRIS. The methods used in this activity are socialization, education and Q&A. Counseling on digital payment methods using QRIS is expected to increase the understanding and adoption of this technology for Al Ma'shum High School teachers. With this activity, it is hoped that Al Ma'shum High School teachers who have businesses can utilize QRIS optimally, so that financial transactions become more efficient and secure. Support from various parties is highly expected for the success of this activity.
Keywords: teachers; digital payments; QRIS
Abstrak: Dalam era digital saat ini, teknologi informasi telah mempengaruhi berbagai aspek kehidupan, termasuk metode transaksi keuangan. Pembayaran digital menjadi salah satu solusi praktis untuk mempermudah transaksi dan mengurangi penggunaan uang tunai. Salah satu metode pembayaran digital yang semakin populer di Indonesia adalah QRIS (Quick Response Code Indonesian Standard). QRIS merupakan standar QR code untuk pembayaran digital yang memudahkan konsumen dan pelaku usaha dalam melakukan transaksi. Namun, masih banyak guru-guru SMA Al Ma’shum yang belum sepenuhnya memahami dan memanfaatkan teknologi ini. Oleh karena itu, diperlukan penyuluhan untuk meningkatkan pengetahuan dan keterampilan Guru-Guru SMA Al Ma’shum dalam menggunakan QRIS. Metode yang digunakan dalam kegiatan ini yaitu sosialisasi, edukasi dan tanya jawab. Penyuluhan tentang metode pembayaran digital menggunakan QRIS diharapkan dapat meningkatkan pemahaman dan adopsi teknologi ini bagi guru-guru SMA Al Ma’shum. Dengan adanya kegiatan ini, diharapkan guru-guru SMA Al Ma’shum yang memiliki usaha dapat memanfaatkan QRIS secara maksimal, sehingga transaksi keuangan menjadi lebih efisien dan aman. Dukungan dari berbagai pihak sangat diharapkan untuk kesuksesan kegiatan ini.
Kata Kunci : guru- guru; pembayaran digital; QRIS
Abstract:Good financial management has a very important role in the long-term success of a company. However, currently, there are still many companies that experience problems in terms of managing their company's finances, one of…
which is PT. Anak Rantau Riau. This company is a service and goods company engaged in sports, namely fitness and workout sports. PT. Anak Rantau Riau experienced problems in the form of differences between the money received in the company account and the revenue recorded in the point on-sales system and several times made payments twice for the same invoice. Seeing this, of course, there needs to be steps to follow up so that nothing like that happens in the future. To follow up on this, discussions with company employees were held to determine what platforms and techniques were suitable and easy to implement to overcome the company's problems. Then, followed by providing direction to employees regarding the utilization of Microsoft Excel and spreadsheets as well as knowledge about the importance of even the smallest difference in money in finance. Finally, there will be an assessment of the results of the training. The result of the follow-up is that the problem of discrepancies between the money in the account and the revenue recorded in the point on-sales system can be minimized and there is no need to pay invoices twice for one invoice.
Keywords: Internal Financial Management, Debt Management, Point on Sales System
Abstract:Abstract: All fields of work have utilized information technology because data processing is fast and produces good results as expected. Utilization of Information Systems as a form of transparency of the Al-Ikhlas mosque…
e in improving the quality of BKM performance by utilizing the website as a medium of information is a form of concern and a form of good performance so that later the Kisaran Naga village community can access the latest information. In addition, BKM Al-Ikhlas annually receives zakat as one of the routine activities that really requires the latest and greatest data, so that there are no accurate errors in delivering zakat to the mustahaq. However, because there is no system that can accommodate this data, it becomes a problem every year. So we need an application that can provide solutions to existing problems. This application is made using the PHP programming language which produces applications that can be accessed from anywhere and anytime, making it easier for users. The E-Masjid application is also an application that can manage mosque cash information, and zakat payments that make it easier for the community of the Kisaran Naga village and BKM Al-Ikhlas to handle good zakat transactions.
Keywords: application; e-masjid; zakat
Abstrak: Seluruh bidang pekerjaan sudah memanfaatkan teknologi informasi dikarenakan pengolahan data yang cepat dan baik menghasilkan hasil yang baik juga sesuai dengan yang diharapkan. Pemanfaatan Sistem Informasi sebagai bentuk transparansi kegiatan masjid Al-Ikhlas dalam peningkatan kualitas kinerja BKM dengan memanfaatkan website sebagai media informasi merupakan bentuk kepedulian dan bentuk kinerja yang baik yang nantinya pihak masyarakat kelurahan Kisaran Naga dapat mengakses informasi yang up to date. Selain itu BKM Al-Ikhlas setiap tahunnya melakukan penerimaan zakat sebagai salah satu kegiatan rutin yang sangat membutuhkan data yang akurat dan mutakhir, sehingga tidak ada kesalahan dalam penyaluran zakat kepada yang mustahaq. Namun dikarenakan tidak adanya sistem yang dapat menampung data tersebut menjadi masalah setiap tahunnya. Sehingga dibutuhkan sebuah aplikasi yang dapat memberikan solusi terhadap permasalahan yang ada. Aplikasi ini dibuat menggunakan bahasa pemrograman PHP yang menghasilkan aplikasi yang dapat diakses dari manapun dan kapanpun sehingga memudahkan pengguna. Aplikasi E-Masjid juga merupakan aplikasi yang dapat mengelola informasi kas masjid, dan pembayaran zakat yang memudahkan masyarakat lingkungan kelurahan Kisaran Naga dan BKM Al-Ikhlas dalam mengelola transaksi zakat yang baik.
Kata kunci: aplikasi; e-masjid; zakat
Abstract:Abstract: Mosques are places of jamaah and centers of social and economic activity for Muslims. Still, in the process of managing their activities, DKM administrators often face challenges related to efficiency, integration,…
ion, and transparency of information. This research aims to develop a web-based Mosque Management Information System (SIMMAS) that integrates the management of ZISWAF (zakat, infaq, sadaqah, waqf), qurban, inventory, activity information, and digital payments via QRIS. Using the Rapid Application Development (RAD) method, the system was designed to be developed quickly and in alignment with user needs. The evaluation was conducted using the Customer Satisfaction Index (CSI) approach, involving 60 respondents comprising mosque administrators and congregants. The results show that all SIMMAS services received CSI scores above 85%, indicating a high level of user satisfaction, particularly with the religious lecture scheduling feature. Nevertheless, there remains room for improvement, especially in the responsiveness and empathy aspects of financial and inventory services. This research is expected to serve as a foundation for the continued development of SIMMAS to become more effective, efficient, and digitally integrated in mosque management.
Keywords: user satisfaction; mosque information system; CSI; SIMMAS; ZISWAF
Abstrak: Masjid merupakan tempat ibadah, pusat aktivitas sosial dan ekonomi umat Islam, namun dalam proses pengelolaan kegiatannya, pengurus dkm kerap menghadapi tantangan terkait efisiensi, integrasi, dan transparansi informasi Penelitian ini bertujuan untuk mengembangkan Sistem Informasi Manajemen Masjid (SIMMAS) berbasis web yang mengintegrasikan pengelolaan ZISWAF, qurban, inventaris barang, informasi kegiatan, serta pembayaran digital melalui QRIS. Dengan menerapkan metode Rapid Application Development (RAD), sistem ini dirancang agar dapat dikembangkan secara cepat dan sesuai dengan kebutuhan pengguna. Evaluasi dilakukan menggunakan pendekatan Customer Satisfaction Index (CSI), yang melibatkan 60 responden dari kalangan pengurus dan jamaah masjid. Hasil evaluasi menunjukkan bahwa seluruh layanan SIMMAS memperoleh nilai CSI di atas 85%, mencerminkan tingkat kepuasan yang tinggi, khususnya pada fitur jadwal kajian. Meski demikian, masih terdapat ruang untuk perbaikan, terutama pada aspek responsivitas dan empati dalam layanan keuangan dan pengelolaan inventaris. Penelitian ini diharapkan dapat menjadi dasar pengembangan berkelanjutan SIMMAS dalam mendukung tata kelola masjid yang lebih efektif, efisien, dan berbasis digital.
Kata Kunci: kepuasan pengguna; sistem informasi masjid; CSI; SIMMAS; ZISWAF
Abstract:Abstract: The vehicle washing application using mobile is an application that aims to help users make it easier for users to order vehicle washing services online. This app was designed to make it easy for users to use and…
nd to allow them to send vehicle wash notifications whenever and wherever they want using a mobile device. Ordering Features: This application has several main features, namely Ordering Features: Users can order vehicle washing services easily through this application. They only need to choose the type of car they want, the services they want, and the time and place where they want to work. Integration Payment: This application is equipped with an online payment system, which allows easy and secure payments through the application. Feature Order Tracking: Users can monitor the status of their orders through the application, namely when the order will be picked up, the vehicle washing process, and when the order will be completed and will be completed. This application is equipped with a good and secure data management system, so that user data and orders can be accessed easily and protected from unwanted actions. Vehicle washing using mobile applications can provide many benefits for users, such as user convenience and satisfaction, time and cost efficiency, and ease of finding information. Because of this, app development must begin with a focus on the most important features that users require and end with a positive user experience.
Keywords: application; android; m-wash; mobile; vehiclewash.
Abstrak: Aplikasi cuci kendaraan menggunakan mobile merupakan aplikasi yang bertujuan untuk membantu pengguna dalam mempermudah pengguna dalam memesan jasa cuci kendaraan secara online. Aplikasi ini dirancang untuk memudahkan pengguna dalam menggunakan dan memungkinkan mereka mengirim notifikasi cuci kendaraan kapan pun dan di mana pun mereka mau menggunakan perangkat seluler. Fitur Pemesanan : Aplikasi ini memiliki beberapa fitur utama yaitu Fitur Pemesanan : Pengguna dapat memesan jasa cuci kendaraan dengan mudah melalui aplikasi ini. Mereka hanya perlu memilih jenis mobil yang diinginkan, layanan yang diinginkan, serta waktu dan tempat di mana mereka ingin bekerja. Pembayaran Integrasi: Aplikasi ini dilengkapi dengan sistem pembayaran online, yang memungkinkan pembayaran mudah dan aman melalui aplikasi. Fitur Order Tracking: Pengguna dapat memantau status pesanannya melalui aplikasi, yaitu kapan pesanan diambil, proses pencucian kendaraan, dan kapan pesanan selesai dan akan diselesaikan. Aplikasi ini dilengkapi dengan sistem pengelolaan data yang baik dan aman, sehingga data dan pesanan pengguna dapat diakses dengan mudah dan terlindungi dari tindakan yang tidak diinginkan. Pencucian kendaraan menggunakan aplikasi mobile dapat memberikan banyak manfaat bagi pengguna, seperti kenyamanan dan kepuasan pengguna, efisiensi waktu dan biaya, serta kemudahan dalam mencari informasi. Oleh karena itu, pengembangan aplikasi harus dimulai dengan fokus pada fitur paling penting yang dibutuhkan pengguna dan diakhiri dengan pengalaman pengguna yang positif.
Kata kunci: aplikasi; android; m-wash; mobile; cuci kendaraan.
Abstract:This research aims to explore the role of the Deposit Insurance Corporation (LPS) in protecting customers when banks fail. The research methods used include policy analysis, case studies of failed banks, and reviews of related…
elated laws. It is hoped that the research results will provide a deeper understanding of the effectiveness of the legal protection provided by LPS to customers in the context of bank failures and the related compensation claims process. The Deposit Insurance Corporation (LPS) has a crucial role in protecting customer deposits when banks experience liquidation. In this context, LPS functions as a legal protection strategy for customer deposits held in banks. This action is important to maintain public confidence in banking amidst economic uncertainty. In response to the 1998 monetary crisis, the Indonesian government issued a policy of guaranteeing bank payments, including public deposits, through LPS. The importance of LPS is revealed when banks experience failures that have the potential to threaten the security of customer funds. In this situation, LPS guarantees the customer's refund up to a certain limit, providing the necessary financial protection. This creates a sense of security for customers and promotes banking system stability. With LPS, customers can be assured that their funds are safe even if unexpected events occur in the banking world. The role of LPS as a deposit insurance institution is inherent in the government's efforts to regulate and supervise the financial sector. LPS plays a role as the front guard in protecting customer interests, maintaining financial system stability, and preventing potential losses that could arise due to the possibility of bank failure.
Abstract:This study investigates the dynamic marketing and communication strategies used by PT. Gojek Indonesia to strengthen its consumer base. As one of Southeast Asia's leading technology-based platforms, Gojek has rapidly expanded…
anded its services beyond ride-hailing to include food delivery, digital payments, and more. This research uses a qualitative approach, combining interviews, case studies, and industry analysis to dissect the multifaceted strategy implemented by Gojek. This study explores Gojek's proficient use of digital channels and social media to drive consumer engagement. By analyzing consumer behavior and preferences, the study explains how Gojek tailors its marketing messages to resonate with diverse target audiences. In addition, this study examines the role of strategic partnerships and collaborations in strengthening Gojek's market presence and attracting new consumers. Furthermore, the study explores the impact of innovative features and services introduced by Gojek, such as loyalty programs and seamless user interfaces, on customer acquisition and retention. The study identifies the critical role of data analytics in shaping personalized marketing campaigns that appeal to specific consumer segments. The findings from this study contribute to a broader understanding of effective marketing and communication strategies in technology-based service industries. The insights derived from Gojek's approach provide valuable lessons for businesses looking to navigate a competitive market and expand their consumer base through strategic marketing initiatives.