Abstract:Artificial Intelligence has become a transformative technology in the field of financial technology, leveraging advanced algorithms and machine learning to identify risks and make informed decisions. However, its widespread…
ead adoption presents new challenges related to ethical use, data privacy, security concerns, potential bias, and discrimination. This study aims to explore the benefits of AI-based risk management in Fintech while highlighting associated challenges and providing recommendations. This research utilises the systematic review methodology to analyse existing literature and identify important patterns, gaps, and areas for further investigation. The study utilised data gathered from the Scopus database to obtain credible scholarly materials. Research data was collected from a variety of countries including the United States, China, European nations, and other Asian countries in order to develop a comprehensive understanding of AI-based risk management on a global scale. The findings highlight the crucial role of ethical considerations in implementing AI-based risk management systems to ensure fairness, transparency, and accountability. Moreover, the fintech industry needs to establish strong data protection measures and address issues related to bias and discrimination in order to instil trust and uphold public confidence in AI-based risk management. Future research should emphasise assessing the effectiveness of different algorithms and approaches while also examining potential regulatory frameworks and legal implications associated with AI-based risk management strategies.
Abstract:The contribution of MSMEs to the Indonesian economy is large, but this sector still has obstacles in obtaining capital. Therefore, referring to Indonesian Capital Market regulations, the government, through the OJK (Financial…
ncial Services Authority), issued Regulation Number 37/POJK.04/2018 concerning Crowdfunding Services through information technology-based share offerings (Equity Crowdfunding). LandX is an organizer registered with ALUDI which already has OJK permission. The average level of funds collected by LandX for each project is up to 4 billion. The population in this study is 88,572 investors who have registered with LandX as of December 2022. The sample was taken using purposive sampling. The conclusion of this research is that Brand trust has a significant effect on investors' investment interest, Brand value co-creation engagement attitude has no significant effect on investors' interest in investing in LandX through e-WOM, Brand value co-creation engagement behavior has a significant effect on investors' investment interest in LandX through e-WOM, Perceived ease of use has a significant effect on investors' interest in investing in LandX through e-WOM and E-WOM has a significant effect on investors' interest in investing in LandX
Abstract:The purpose of this study is to investigate how the public-private partnership model based on the construction-operation-transfer model in the case of infrastructure development in Makassar City is utilized in the construction…
uction of the Makassar City Toll Road. After satisfying the requirements set in each case, a public-private partnership contract is concluded. The construction of toll roads is basically done by the government, the Ministry of Public Affairs and a corporate body (in this case PT Bosova Margautama Nusantara) using a build-operate-transfer model (generally a model involving two parties). is constructed by public service users, governments, and service providers are involved in building and operating the infrastructure. After granting the right of use for 35 years as the organizer, it will be handed over to the government after the concession period.
Abstract:As it expands, modern retailing must always be able to adapt to the lifestyle trends in society and understand the aspects that influence consumers' shopping behavior by implementing a unique store concept. Shopping has…
become a habit for some people, including women, who are becoming more numerous and financially empowered. This research was conducted to test and analyze the effect of shopping lifestyle and in-store displays on impulse buying among female consumers who use and buy branded fashion products at the UNIQLO store in Makassar City. The research sample consisted of 100 respondents using a non-probability sampling technique with a purposive method. The data collection method used was a questionnaire with a Likert scale. The data analysis method used was multiple linear regression analysis, which was processed using SPSS version 25. The results showed that shopping lifestyle had a significant effect on impulse buying and in-store displays had a significant effect on impulse buying.
Abstract:This study aims to determine the effect of lifestyle and self-concept on consumptive behavior in students of the Faculty of Economics, Makassar State University. The population in this study were 2757 students of the Faculty…
ulty of Economics, Makassar State University and a sample of 96 students was drawn. This study uses a type of quantitative research with a regression approach. Data collection techniques were carried out by observation, interviews, documentation and distributing questionnaires (questionnaires). The analysis technique used is multiple linear regression. The results showed that partially, the lifestyle variable (X1) had a positive effect on consumptive behavior (Y) with a value of T count (5.732) > T table (1.985) and the self-concept variable (X2) had a positive effect on consumptive behavior (Y) with a value of T count (3.085) > T table (1.985), while simultaneously the lifestyle variable (X1) and self-concept (X2) had a positive effect on consumptive behavior (Y) with a value of F count (51.087) > F table (3.10).
Abstract:Emas merupakan salah satu jenis komoditi yang paling banyak diminati untuk tujuan investasi, karena dipandang sebagai instrumen yang lebih aman dibandingkan saham serta memiliki nilai jual yang selalu bergerak mengikuti…
kondisi pasar. PT Victoeria Vici, sebagai pelaku usaha perhiasan emas custom, menghadapi kendala dalam menentukan estimasi harga jual kepada pelanggan, sebab proses pengerjaan pesanan custom membutuhkan waktu hingga 14 hari, sementara harga emas bergerak fluktuatif dan tidak terstruktur setiap harinya sehingga estimasi harga menjadi tidak akurat dan tidak efektif. Berdasarkan permasalahan tersebut, penelitian ini menerapkan konsep Data Mining dengan algoritma Trend Moment untuk mengestimasi harga emas pada rentang waktu tertentu. Data yang digunakan merupakan data historis harga emas per gram pada PT Victoeria Vici periode Agustus–Oktober 2021 sebanyak 92 data. Tahapan penelitian meliputi pengumpulan data, penentuan variabel X dan Y, eliminasi untuk memperoleh nilai konstanta a dan slope b, serta penerapan persamaan Y = a + bX untuk memperoleh nilai estimasi. Hasil perhitungan menunjukkan nilai a = 720.871,725 dan b = 3,108 sehingga model estimasi mampu menghasilkan proyeksi harga emas yang mendekati pola data historis. Model ini kemudian diimplementasikan ke dalam aplikasi berbasis desktop menggunakan Microsoft Visual Basic 2010 dan basis data Microsoft Access, dilengkapi Crystal Report untuk pencetakan laporan hasil estimasi. Hasil penelitian menunjukkan bahwa algoritma Trend Moment dapat membantu PT Victoeria Vici dalam memperoleh estimasi harga emas secara lebih cepat, konsisten, dan terdokumentasi.
Gold is one of the most sought-after commodities for investment purposes, as it is regarded as a safer instrument compared to stocks and has a selling value that constantly fluctuates with market conditions. PT Victoeria Vici, a custom gold jewelry business, faces difficulty in determining the estimated selling price offered to customers because the production process for custom orders takes up to 14 days, while gold prices move in an unstructured and fluctuating manner every day, making manual price estimation inaccurate and ineffective. Based on this problem, this study applies the concept of Data Mining using the Trend Moment algorithm to estimate gold prices over a certain period of time. The data used is historical daily gold price data per gram from PT Victoeria Vici for the period of August–October 2021, consisting of 92 records. The research stages include data collection, determination of the X and Y variables, elimination to obtain the constant value a and the slope b, and the application of the equation Y = a + bX to obtain the estimated value. The calculation results show a value of a = 720,871.725 and b = 3.108, so that the estimation model is able to produce gold price projections that closely follow the pattern of historical data. This model was then implemented into a desktop-based application using Microsoft Visual Basic 2010 and a Microsoft Access database, equipped with Crystal Report for printing estimation result reports. The results show that the Trend Moment algorithm can help PT Victoeria Vici obtain gold price estimations more quickly, consistently, and in a well-documented manner.
Abstract:This study aims to determine the effect of using Google Earth media through the Contextual Teaching and Learning (CTL) model on the learning outcomes of social studies on natural phenomena material for fifth-grade students…
ts of SDN Telang 2 in the 2026/2027 academic year. The study used a quantitative approach with the Pre-Experimental Design method and One Group Pretest-Posttest Design. The research subjects were 17 students. Data collection techniques were carried out through tests, observations, and documentation. The research instrument was a multiple-choice test given before and after treatment. Data were analyzed using descriptive statistics and paired sample t-test. The results showed that the average pretest score of 68.82 increased to 79.41 in the posttest, with an increase of 10.59 points. The results of the paired sample t-test showed a significance value (2-tailed) of 0.000 <0.05, so H₀ was rejected and H₁ was accepted. These findings indicate that the use of Google Earth media through the CTL model has a significant effect on the learning outcomes of social studies on natural phenomena material. The integration of Google Earth and CTL provides a more contextual, interactive, and meaningful learning experience, helping students understand the concept of natural features more concretely. Therefore, Google Earth, through the CTL model, can be used as an alternative media and effective learning model to improve social studies learning outcomes in elementary schools.
Penelitian ini bertujuan untuk mengetahui pengaruh penggunaan media Google Earth melalui model Contextual Teaching and Learning (CTL) terhadap hasil belajar IPS materi kenampakan alam pada siswa kelas V SDN Telang 2 Tahun Pelajaran 2026/2027. Penelitian menggunakan pendekatan kuantitatif dengan metode Pre-Experimental Design dan desain One Group Pretest-Posttest Design. Subjek penelitian berjumlah 17 siswa. Teknik pengumpulan data dilakukan melalui tes, observasi, dan dokumentasi. Instrumen penelitian berupa tes pilihan ganda yang diberikan sebelum dan sesudah perlakuan. Data dianalisis menggunakan statistik deskriptif dan uji paired sample t-test. Hasil penelitian menunjukkan bahwa nilai rata-rata pretest sebesar 68,82 meningkat menjadi 79,41 pada posttest, dengan peningkatan sebesar 10,59 poin. Hasil uji paired sample t-test menunjukkan nilai signifikansi (2-tailed) sebesar 0,000 < 0,05, sehingga H₀ ditolak dan H₁ diterima. Temuan ini menunjukkan bahwa penggunaan media Google Earth melalui model CTL berpengaruh signifikan terhadap hasil belajar IPS materi kenampakan alam. Integrasi Google Earth dan CTL mampu memberikan pengalaman belajar yang lebih kontekstual, interaktif, dan bermakna sehingga membantu siswa memahami konsep kenampakan alam secara lebih konkret. Oleh karena itu, Google Earth melalui model CTL dapat dijadikan alternatif media dan model pembelajaran yang efektif untuk meningkatkan hasil belajar IPS di sekolah dasar.
Abstract:Integrasi sains dan Islam merupakan upaya menyatukan pengetahuan empiris dengan nilai-nilai wahyu dalam suatu kerangka keilmuan yang holistik dan tidak terfragmentasi. Penelitian ini bertujuan untuk menjelaskan konsep dasar…
sar integrasi, istilah-istilah semakna, serta urgensi penerapannya dalam konteks keilmuan dan pendidikan Islam modern. Secara teoretis, integrasi dipahami sebagai proses penyelarasan dan perpaduan antara disiplin ilmu agar tercipta hubungan yang koheren dan saling melengkapi. Dalam perspektif Islam, integrasi menegaskan kembali prinsip unity of knowledge yang memandang bahwa seluruh ilmu berasal dari satu sumber kebenaran, yaitu Allah SWT. Pembahasan ini juga menyoroti urgensi integrasi dalam mengatasi dikotomi ilmu yang memisahkan antara sains dan agama, sekaligus menegaskan pentingnya nilai-nilai Islam sebagai pedoman etis dalam perkembangan ilmu pengetahuan. Hasil kajian menunjukkan bahwa integrasi sains dan Islam berperan penting dalam membangun paradigma pendidikan yang holistik, mendorong perkembangan sains yang beretika, serta memberikan arah spiritual dan moral bagi inovasi ilmiah. Dengan demikian, integrasi sains dan Islam tidak hanya memiliki landasan filosofis yang kuat, tetapi juga relevan dalam menjawab tantangan peradaban modern dan mewujudkan ilmu pengetahuan yang bermanfaat serta berorientasi pada kemaslahatan umat manusia.
Abstract:The Bunda Menyapa Campaign is a community service initiative designed to initiate institutional advocacy for early childhood education through the involvement of Bunda PAUD at the village and sub-district levels. This activity…
tivity was conducted in the form of a public discussion involving the Bunda Menyapa PKM project team, Bunda PAUD Desa Kedungbanteng Kecamatan Kedungbanteng, Banyumas District, and college students from the Early Childhood Education Teacher Education Study Program of Universitas Muhammadiyah Purwokerto. The students participated as the proposing group of the campaign idea and as the writers of the Bunda Menyapa campaign song. The activity aimed to formulate the initial embryo of the Bunda Menyapa Campaign as an institutional advocacy model to be proposed to Bunda PAUD Kabupaten Banyumas. The method consisted of participatory public discussion, campaign concept presentation, stakeholder dialogue, theme-song discussion, and initial review of a policy brief proposal. The result of the activity was the formation of an early campaign concept that integrates symbolic leadership, community communication, institutional advocacy, and policy recommendation. The discussion also opened an opportunity for the policy brief proposal to be developed into a practical advocacy document for strengthening PAUD governance in Banyumas District.
Abstract:Social and digital transformations have impacted early childhood parenting patterns, necessitating the strengthening of the family's role as the foundation for Islamic-based character education. This community service activity…
tivity aims to improve literacy and practice of Islamic parenting through the Quranic Parent School program at the Merpati Early Childhood Education Post in Kutawaluya District. The program is designed to build synergy between schools and families in supporting the social-emotional and spiritual development of early childhood. The method used is a community-based participatory approach with stages of needs identification, joint action planning, parenting class implementation, and periodic reflection and evaluation. Activities are implemented through workshops, reflective discussions, simulations of Islamic parenting practices, and the establishment of a parent forum as a forum for program sustainability. The results of the activity indicate an increase in parents' understanding of the concepts of fitrah (natural nature) and adab (good manners), changes in communication patterns to be more empathetic, and consistent habits of worship and restrictions on gadgets at home. Further impacts are seen in increased discipline and emotional regulation of children at school and the formation of a Quranic family learning community. The implications of this activity confirm that strengthening Islamic parenting through the Quranic Parent School model is effective in encouraging family-based social transformation and has the potential to be replicated in other PIAUD institutions with similar characteristics.