Abstract:The rules in the consumer protection law No. 8 of 1999 in buying and selling transactions regarding buying and selling law analyze how consumer protection rules and economic law, especially sharia-based concepts, apply to…
o Indonesian sharia banks. The type of research is qualitative with a normative juridical and empirical juridical research approach, collecting data, rules/regulations, and in reality, in practice in the field where the research was carried out, namely at Indonesian sharia banks, with data collection techniques used namely library research and interview. The research results show that Indonesian sharia banks are one of the sales places for buying gold, where customers can carry out gold buying and selling transactions anywhere and anytime from mobile banking. Furthermore, consumers/customers who feel disadvantaged by Indonesian sharia banks can report to the partyCivil Servant Investigator (PPNS) ITE Directorate of Information Security, and the form of supervision by CoFTRA, namely preventive supervision then repressive supervision. The implementation of consumer protection at Indonesian sharia banks focuses on 2 things, including returning the product (return) and returning the funds (refund). Implementation of consumer protection for Indonesian sharia banks in accordance with the UUPK, where the bank has given its rights to its consumers in accordance with the provisions contained in the UUPK. Meanwhile, its application in the view/perspective of Sharia Economic Law is appropriate from the point of view of consumer rights in Islamic rules, Indonesian sharia banks provide khiyar rights (cancel/continue the sale and purchase agreement) if there is an error/mistake by the bank. The resolution if there is a dispute chosen by the Indonesian sharia bank is through peace and resolving it internally, this is in accordance with the concepts of Islamic buying and selling.
Abstract:Resolving civil disputes through mediation and community conciliation is an effective approach to reduce the burden on the judiciary and strengthen relationships between individuals. This article discusses strategies for…
education, training and access to local dispute resolution centers in strengthening the community's role in resolving civil disputes. Education and training will give communities a better understanding of the mediation and conciliation process, while easy access to local dispute resolution centers will make it easier for communities to get help and support in resolving their disputes. Thus, this article discusses the efforts that need to be made to increase the role of society in resolving civil disputes, as well as the benefits that can be obtained from this strategy in strengthening social harmony and justice.
Abstract:This research is to determine the effectiveness of the scholarship program for North Morowali Regency students. This analysis uses qualitative research with a descriptive approach. The informants for this research were the…
he Head of the Department and Secretary of the Regional Education and Culture Service of North Morowali Regency, as well as three students who received regional scholarships. Information collection uses information techniques, interviews and documentation. In this research, data analysis uses the data condensation framework, data presentation, and drawing conclusions by Miles and Huberman. Meanwhile, the effectiveness indicators used in this research are Program Success, Target Success, Program Satisfaction, and Input and Output Levels. The conclusion of this research is that of the four indicators, target success has not gone well. The aspect of access to information by students is limited. Meanwhile, the other three indicators based on research have been running effectively.
Abstract:This study aims to analyze the factors that affect Return on Assets in 5 conventional commercial banks in 2015-2022. The research method used is panel data with Microsoft Excel and E-Views 10 as analysis tools. Factors that…
hat affect Return on Assets in this study include economic factors, environmental factors, and internal bank factors. Economic factors consist of BI Rate and Inflation. Environmental factors are Green Banking which is proxied with the Green Banking Disclosure Index and internal bank factors, namely BOPO. The results of the test found that the variables Inflation, Green Banking proxied Green Banking Disclosure Index, and BOPO have a significant negative effect on Return on Assets, while the BI Rate has a significant positive effect on Return On Assets in 5 conventional commercial banks.
Abstract:This study aims to analyze the influence of domestic good news variables, domestic bad news, foreign good news, and foreign bad news on the rupiah exchange rate. The analysis used was using the Ordinary Least Squares method.…
hod. This study added the use of lag elements and also added autoregressiveness. In the overall sample period, partial domestic bad news, foreign bad news, and changes in exchange rates had a significant positive effect on changes in the rupiah exchange rate. Meanwhile, domestic good news and foreign good news do not have a significant negative effect on changes in the rupiah exchange rate. In the period before Covid-19, partial domestic bad news and changes in the exchange rate had a significant positive effect on changes in the rupiah exchange rate. Meanwhile, bad news abroad does not have a significant positive effect on changes in the rupiah exchange rate. Domestic good news and foreign good news do not have a significant negative effect on changes in the rupiah exchange rate. In the period during Covid-19, partial domestic bad news, foreign bad news, and changes in exchange rates had a significant positive impact on changes in the rupiah exchange rate. Meanwhile, domestic good news and foreign good news do not have a significant negative effect on changes in the rupiah exchange rate. Taken together, independent variables have a significant effect on changes in the rupiah exchange rate throughout the observation period.
Abstract:This study aims to analyse the effect of economic growth, interest rates, remittances, and green investment on Foreign Direct Investment in Indonesia. This study uses time series data during the first quarter of 2013 to…
the fourth quarter of 2021 in Indonesia. The dependent variable used is Foreign Direct Investment and the independent variables include economic growth, interest rates, remittances, and green investment. The analytical tool used is multiple linear regression with the Error Correction Model (ECM) method. The results showed that economic growth in the short term and long term has a significant positive effect on foreign direct investment in Indonesia. Interest rates in the short term have a significant negative effect on foreign direct investment in Indonesia, while in the long term have no effect on foreign direct investment in Indonesia. Remittances in the short and long term have no effect on foreign direct investment in Indonesia. Green investment in the short term has no effect on foreign direct investment in Indonesia, while in the long term it has a significant negative effect on foreign direct investment in Indonesia.
Abstract:This research examines the influence of the variables green banking (Green banking Index), Capital adequacy (CAR), Non-performing loans (NPL), Bank Efficiency (BOPO), Liquidity level (LDR) on the profitability of Member…
Banks of the Indonesian Sustainable Finance Initiative. This research uses a purposive sampling technique, 8 companies were sampled in the research as Member Banks of the Indonesian Sustainable Finance Initiative, namely: Bank Mandiri, Bank Rakyat Indonesia, Bank Negara Indonesia, Bank Central Asia, Maybank, Bank CIMB Niaga, Bank OCBC NISP and West Java Bank. This research examines economic data based on panel data, based on the calculation results it is found that banking ratios in the form of capital adequacy (CAR) and liquidity level (LDR) partially have a positive and significant effect in increasing Bank Profitability (ROA) of Members of the Indonesian Sustainable Bank Initiative, while the ratio Non-performing loans (NPL), Bank Efficiency (BOPO) and the Green Banking variable (Green Banking Index) have a negative and significant effect on (ROA) Members of the Indonesian Sustainable Bank Initiative.
Abstract:The limitations of cerebral palsy sufferers mean that the child cannot fulfill his own needs and must get help from other people. Meanwhile, parents have high hopes for their children's independence. The research was conducted…
ducted to find out and get a specific, detailed and clear picture of how mothers' parenting patterns shape the independence of children with cerebral palsy? Qualitative research using qualitative methods, as well as using source trangulation techniques. that each subject is able to act as the five roles, however, among the five parenting styles, there are parenting patterns that are the most dominant and those that are not dominant for each subject.
Abstract:The research carried out aims to determine efficient planning in terms of production area at the CV furniture company. Victo in Bandar Lampung. The approach used in this research involves quantitative descriptive analysis,…
s, with forecasting techniques using the Linear Trend method and Break Event Point analysis for data accuracy. The information obtained in this study comes from primary and secondary sources. Primary sources include direct interviews with company managers, while secondary sources are collected from company history. This data collection method includes interviews, direct observation, and review of related documents. The results of the research show that the production area for the coming year will be 533 units of cupboard products in 2023, 566 cupboard product units in 2024 and 600 cupboard product units in 2025, so that the CV. Victo furniture company in 2023-2025 will experience an increase of 6% of production area every year due to increasing trend demand. It is recommended that companies design their production area planning by applying the Linear Trend forecasting method and carrying out Break Event Point analysis to optimize their production processes and this research is expected to provide information for consideration for the company's progress. By knowing the correct production area planning calculations, it is hoped that the company's efficiency will increase so that it can reduce excessive production amounts and obtain even greater sales profits because needs have been well estimated.
Abstract:This study explores the impact of Effectiveness, Additional Employee Income (TPP), and Work Motivation on the performance of State Civil Apparatus (ASN) at the Medan City Health Service, with Discipline as a moderating variable.…
ariable. The quantitative method was employed with a population of 190 ASN employees, and a sample of 127 ASN. Data analysis was conducted using Structural Equation Modeling (SEM) with Smart Partial Least Squares (PLS) technique. The research findings indicate a positive and significant influence of Effectiveness, TPP, Work Motivation, and Work Discipline on the performance of ASN in the Medan City Health Service. Additionally, there is a positive and significant impact of Effectiveness, TPP, and Work Motivation on the performance of ASN moderated by Work Discipline. The conclusion drawn from this research is that Work Discipline has the most significant influence on the performance of ASN, while TPP has the least impact. Recommendations involve enhancing focus on developing Work Discipline to significantly improve employee performance. Despite TPP having the smallest impact, strategic considerations are still necessary in incentive management to maintain employee motivation.