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The adoption of Business intelligence (BI) has become increasingly prominent among organizations for attracting customers and gaining a competitive edge. This becomes even more important for small and medium enterprises (SMEs) which face immense pressure to retain existing customers and attract more customers for survival. This study presents a systematic literature review of studies investigating the impact of BI on customer relations with exclusive focus on Indonesia, which has a growing number of SMEs (also called ‘UMKMs’). By examining 15 papers published between 2013 to 2024, the findings of the study highlight that BI contributes to building better connections with customers and making them feel more engaged and satisfied. This study provides valuable insights for SMEs in Indonesia to adopt BI to attract more customers. The findings of the study also lay the foundation for future research, especially those wanting to perform an empirical investigation. [ABSTRACT FROM AUTHOR]

This paper aims to determine the legal position of laws that use the omnibus method in the system of laws and regulations in Indonesia. The focus of the research focused on the legal position of laws using the omnibus method in terms of the provisions of Article 97A of the Law on the Establishment of Laws and Regulations. Using the normative juridical method through literature study, this paper concludes that with the characteristics of laws that use the omnibus method based on the regulations in Article 97A of the Law on the Establishment of Laws and Regulations, these provisions result in inconsistencies in norms with the provisions of the hierarchy of laws and regulations regulated by Article 7 paragraph (1) and paragraph (2), provision number 223 Annex II Law on the Establishment of Laws and Regulations, as well as deviating the principle of legal preverence, namely the principle of lex posterior derogate legi priori. The vagueness and inconsistency in the formulation of Article 97A norms results in legal uncertainty, thus contradicting the guarantee of legal certainty as mandated by Article 28D paragraph (1) of the NRI Constitution of 1945. [ABSTRACT FROM AUTHOR]

Tidal energy is considered as one of the most promising forms of renewable energy generation due to its environmental friendliness and predictability. The goal of this work is to conduct a thorough literature review on various approaches for optimizing tidal energy output in Indonesia. Tidal current research published between 2014 and 2022 were chosen for further investigation based on literature criteria. The selected primary papers revealed that contemporary tidal energy research focuses on four subjects and trends: resources, numerical modeling, geographic information systems (GIS), and experimental studies. The findings of this study also indicate methodologies that are commonly mentioned and so important in the field of tidal current energy. [ABSTRACT FROM AUTHOR]

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This paper discusses Indonesia's space / aerospace industry program as the nation's future Soft Power. The term 'soft power', coined by Joseph S. Nye of Harvard University in the United States, is the ability of a country to influence another country not through coercive means but through attractiveness or reputation. This research uses a literature research approach, which is a method by collecting data by understanding and studying theories from various literature related to research There are four stages of literature study in research. Space, or simply space, is the expanse that exists beyond the Earth and between celestial bodies. Space isn't completely empty it's a hard vacuum containing low particle densities, especially hydrogen and helium plasma, as well as electromagnetic radiation, magnetic fields, neutrinos, dust, and cosmic rays. Recent developments show that in the future, not only professional astronauts can go into space but also all citizens of the world can afford to pay. [ABSTRACT FROM AUTHOR]

Supreme Audit Institutions (SAI) are crucial for promoting accountability and transparency, especially in countries such as Indonesia, where corruption and government fraud are widespread. These institutions help the public monitor the government and ensure that public funds are used effectively and efficiently. Achieving good governance requires close collaboration between people and SAI. This study aims to emphasizes the importance of people's participation in Indonesia SAI (Badan Pemeriksa Keuangan/BPK) to identify public issues for auditing purposes. Every year, the BPK conducts over 500 audits, including financial, performance, and auditing with special purposes. BPK produces over 9,000 findings that the government needs to follow. This paper highlights the success stories of participation audits in the Philippines and South Korea, and how Indonesian SAI can learn from both. By working together with the public, audit reports can benefit stakeholders and contribute to better governance. The study employs qualitative approach that facilitates the examination of real-life examples and case studies, such as the experiences of the Commission on Audit (COA) in the Philippines and the Board of Audit and Inspection (BAI) in South Korea. The results demonstrate community participation in the audit process can lead to more beneficial reports for stakeholders and contribute to improved governance. Thus, close collaboration between the public and BPK is essential to ensure the effective and efficient use of public funds, as well as to strengthen government accountability and transparency. Therefore, community participation in BPK audits is key to achieving good governance and ensuring responsible use of public funds. [ABSTRACT FROM AUTHOR]

Merdeka Belajar as one of the new policies in the education system in Indonesia needs to be critically and deeply analyzed from various aspects, one of which is analyzed from the perspective of philosophy. There are various philosophical schools used in the world of education, one of which is the philosophical school of progressivism. The purpose of writing this article is to look at the independent program of learning an independent campus from the lens of the philosophy of progersiveism. This paper is a literature study conducted by looking at various existing libraries. The independent learning program of an independent campus turned out to be very much in line with the spirit of the flow of progressivism. [ABSTRACT FROM AUTHOR]

In this era, the way people do business has switched to digital marketing. Accordingly, the purpose of this research is to find out the right digital marketing processes to improve business performance, with a focus on foods and beverages MSMEs in Semarang, Indonesia, motivated by the growth of digital marketing implemented by business owners. This research paper is based on a qualitative approach with a descriptive research method and used literature review, interviews, and observation to collect the data. This research examines the digital marketing processes of foods and beverages MSMEs in Semarang, which has rarely been focused on, and reveals that MSMEs that carried out more complete digital marketing processes have the potential to improve business performance. [ABSTRACT FROM AUTHOR]

Discussing the theme of the historical construction of the Qur'an (târîkh Al-Qur'ân) is both interesting and challenging. It is interesting because this discussion will guide a reviewer on a series of scattered information related to the history of the Qur'an. Based on this research which focuses on the views and thoughts of a figure, this research follows library research. The mechanism of this research is based on data based on literature sources, both in the form of books, scientific papers, journals, and electronic libraries connected to the object of study that the author is discussing. The research method is qualitative, namely a research procedure that produces descriptive data in the form of written or spoken words of people and observable behavior. By relying on this research, the author hopes to describe research data objectively and reveal research results critically. [ABSTRACT FROM AUTHOR]

The House of Representatives (DPR) as a policy-making institution contained in the form of laws and is a strategic institution that regulates the entire life of the Indonesian people. However, if studied in fiqh siyasah, the concept of caliph (leader) is allowed to serve as long as possible if he can carry out the mandate as stipulated in Islam. In article 39 paragraphs (1) and (2) of Law number 6 of 2014 concerning the term of office of village heads. That the position of village head which was originally 6 years 3 periods was changed to 9 years 2 periods. This raises problems related to the limitation of the power of public office and the occurrence of KKN (corruption, collusion, and nepotism) during the tenure of the village head. This research uses Normative Law research or legal research that views humuk as a norm system building. The method carried out by the author is in the form of collecting sentences both scientific papers, notebooks, approaches to laws and regulations, relevant journals. The results of this study are to avoid conflicts between communities in the election of elected and unelected village heads and to focus on the kineja of village development. Because the regeneration or transition of the term of office of the village head in the community is needed in the context of organizing ideas and ideas about village development. [ABSTRACT FROM AUTHOR]

This paper is to investigate the changes in the dividend tax rate effect on the stock price of the companies listed on the Indonesia Stock Exchange (IDX) and to demonstrate the existence of abnormal returns by examining stock trading situations before and after the ex-dividend date. Standard event study methodology, using the market model, is employed to determine the abnormal returns surrounding the ex-dividend date. The findings are useful to researchers, practitioners, and investors interested in companies listed on the Indonesian stock market for their proper strategic decision-making. In particular, the results can be used to encourage transparency and good governance practices in the Indonesian stock market. This study is the first to use dividend tax rate data after the Introduction of the Omnibus Law on Job Creation and the Law on Harmonization of Tax Regulations. By using the event study method, the study reveals that there is no significant difference in abnormal returns before and following the ex-dividend date, both preceding and after the reduction in the new tax rate. Thus, the dividend tax rate reduction does not affect the market reaction in the event window. [ABSTRACT FROM AUTHOR]

Pancasila is the nation's founders' legacy of greatness or history. The values of Pancasila will progressively erode if the legacy is not handed on to the next generation. As a result, Pancasila education is critical for the community's future, particularly for the younger members. This study aims to determine how Pancasila courses have affected the millennial generation, and how Pancasila might be implemented in daily life and national and state affairs for younger generations. This scientific work was written using a method known as a literature review. According to the findings of the research, globalization is gradually eroding the impact of scientific and technological development, Pancasila, which has an adverse effect on the millennial generation. It is anticipated that many young Indonesians would begin to forget their country's identity in this new industrial period 4.0, when all young people or millennials are obliged to compete to generate new breakthroughs and creative works. [ABSTRACT FROM AUTHOR]

Criminal practices in the capital market are commonly known by the terminology insider trading, a long-standing crime that is not well-known to the public. Insider trading constitutes a legal violation as well as an ethical breach that can pose serious risks to market integrity and harm investors who do not have specific information access. This journal will explore the legal protection and enforcement framework that explains the Indonesian legal framework governing transactions in the capital market in an effort to protect the public from insider trading. Legal protection includes the enforcement of provisions found in laws, regulations, and supervisory mechanisms applied by financial authorities, which is essential to create a fair and efficient market. Therefore, understanding the effectiveness of existing laws and enforcement of rules is crucial to protecting the public from insider trading crimes. This journal is expected to provide knowledge to enhance and develop legal science, particularly related to the analysis of insider trading law enforcement in the capital market in Indonesia. This journal is hoped to provide input and recommendations for authorities and stakeholders involved in providing legal protection to the public for the enforcement of laws in accordance with the provisions of the Indonesian Capital Market Law. [ABSTRACT FROM AUTHOR]

This research was written with the aim to determine the effect of intangible assets on financial performance, financial policies, and firm value with assets size and leverage as control variables for LQ 45 companies in the period of 2018-2022. This type of research is a causal study that is based on cause and effect. The type of data used in this research is quantitative data in the form of intangible assets, assets size, leverage, financial performance, financial policies, and firm value. The data source for this research is the financial statements of companies listed on the Indonesia Stock Exchange (IDX) from 2018 to 2022, for a period of 5 years. The population in this research is LQ 45 companies listed on the IDX. The sample in this research is 18 companies multiplied. The sampling technique used in this study is non-probability sampling. The results of this research show that intangible assets have a positive effect on financial performance, financial policies, and firm value. [ABSTRACT FROM AUTHOR]

The linear system known as "Take-Make-Waste'' has positioned fashion and textile industry as the second largest waste contributor in the world after the oil and gas industry. Consequently, the disruptions we currently face have led us to the global textile waste crisis era, including Indonesia. On the other side, Ellen MacArthur Foundation observes an increase in market and business opportunities within the slow/circular fashion industry. This research aims to explore the business strategies of the Indonesian fashion brand, SMM, which has been committed to implementing responsible fashion practices since 2014 and actively addressing environmental impacts. Through value hill analysis as the research framework to identify current circular activities, gaps, and challenges faced by SMM, the analysis focuses on three stages: uphill, tophill, and downhill. This qualitative research employs semi-structured interview techniques, primary and secondary data observation to comprehensively understand the adopted circular business model. The research findings indicate that SMM utilizes Circular Supply Models as its primary business model, Resource & Recovery Models as an effort towards using 100% new materials, and Product Life Extension Models as a form of loyalty to its customers. These circular business model strategies have helped SMM reduce carbon emissions by nearly 20% of the total emitted. This indicates that SMM is a manufacturer promoting responsible consumption and production. [ABSTRACT FROM AUTHOR]

This research aims to see how far the adoption of digital payment systems and electronic financial transactions in Indonesia is based on the factors used in the theory acceptance model (TAM) method, such as perceived usefulness and perceived ease of use. Several factors, such as social influences, financial literacy, security and privacy, and government support, are added to the effects of the intention to adopt digital payments, especially after the COVID-19 pandemic. Data processes with SmartPLS 3 and uses SEM-PLS method to see that all the factors are supported to adopt digital payment systems in Indonesia. Results show that perceived usefulness and ease of use are the factors that drive the intention to adopt digital payment systems. Besides that, government support drives the intention to adopt digital payment systems by regulations to develop digital payment ecosystems. Others such as social influences, financial literacy, and security-privacy aren't influenced on intention to adopt digital payment systems in Indonesia. [ABSTRACT FROM AUTHOR]

The aim of this research is to obtain empirical evidence regarding the influence of management ownership, institutional ownership, independent ownership boards, audit committees on profitability (Return On Equity) in companies listed on the Indonesia Stock Exchange. The sampling technique used purposive sampling, the research samples obtained were 15 companies for the 2019-2022 period so there were 60 analysis units. The research design is quantitative descriptive. The analysis technique in this research uses the panel data regression method. The research results show that management ownership, independent board ownership, and audit committee have no effect on profitability. Meanwhile, institutional ownership has a significant negative effect on profitability. The implication of this research is that companies must pay attention to institutional ownership shares, because they can have a negative impact on the company's profitability. [ABSTRACT FROM AUTHOR]

The purpose of this study is to obtain empirical evidence of the, Managerial's Ownership, Institutional Ownership, independent board of commissioners, board of directors, and audit committee on the Banking Company firm's performance listed on the Indonesia Stock Exchange. The sampling technique used purposive sampling, the research samples obtained totaled 6 companies with a research period from 2018-2022 so that there were 30 units of analysis. The research design was quantitative descriptive. The analysis technique in this research is multiple regression analysis method. The results showed that Managerial's Ownership and Audit Committee has a significant positive effect, Institutional Ownership, independent board of commissioners, board of directors has no effect on firm's perfromance. The implication of this research is that companies must pay attention to that Managerial's Ownership and Audit Committee and those that can affect profitabilty so that company performance can increase. [ABSTRACT FROM AUTHOR]

This research is used to determine the presence or absence of a physical work environment, work discipline and financial compensation for the performance of employees of the National Archives of the Republic of Indonesia. By taking into account the level of control of human resources (HR), an agency is expected and makes a major contribution in improving employee performance. This view also uses primary data. The data collection technique used was to use questionnaires received by distributing questionnaires through google form to 104 employees of the National Archives. The information analysis approach used in this review is multiple linear regression evaluation, which is operated through the SPSS 23 application. Based on the results of this study shows that the variables of physical work environment, work discipline and financial compensation have a significant effect on employee's performance. That's it partially physical work environment variables have a significant effect on employee performance. That the variable of work discipline has a dominant effect on employee performance. And the variable of financial compensation has a significant positive effect on the performance of employees of the National Archives of the Republic of Indonesia. [ABSTRACT FROM AUTHOR]

This research was conducted with the aim of determining the effect of training and work motivation on employee performance at the Bank Indonesia Representative Office, South Sumatra Province. The population and sample in this research are 50 Non-Officer Employees and Assistant Directors of the Bank Indonesia Representative Office for South Sumatra Province in 2023. The results of multiple linear regression analysis show that training and work motivation have a positive and significant effect on employee performance. Training, it is hoped that it is necessary to select the type of training given to employees according to the employee's needs. Choosing a training provider is also important, where the chosen organizer must also be suitable and knowledgeable in this field and have experience and a good image. Work motivation, the role of superiors which is very necessary in looking at relationships between fellow employees. Where if within a division there are colleagues who do not have a harmonious relationship, then the role of superiors is to create a more neutral and professional atmosphere in carrying out work. [ABSTRACT FROM AUTHOR]

Banking companies may be faced with adjustment costs (cost of capital adjustment) to obtain optimal capital ratios. These costs arise when banks increase or obtain new external capital so that capital adjustments can lead to excess or shortage of capital which can have a negative impact and cause banks to be reluctant to react quickly when capital shocks occur. This research explores the most significant factors that influence bank capital policy choices in Indonesia. This study examines the financing choices of 8 banks for the 2013-2022 period using panel data regression analysis techniques with STATA.17. The results of the Random Effect Model Estimation research where bank companies in Indonesia have high leverage support the fact that the nature of bank business is different from non-banking companies. The significant negative relationship of the capital buffer is in line with the too big fail theory, packing order theory and agency theory, as well as the Retrun On Equity and Capital Adequancy Ratio variables which have a significant positive relationship at an accuracy level of 85.01%, so in other words banking companies can use debt to finance the company on the basis of agency or managerial policies and strategies, thereby proposing pecking order theory with the assumption that there is information asymmetry and agency costs that are relevant both in the long term. [ABSTRACT FROM AUTHOR]

Technology has developed rapidly and affected every community's life. This condition was also supported by the occurrence of a pandemic in early 2020 which resulted in restrictions on mobility between individuals and other humans to reduce the spread of the virus which resulted in a crisis. One of the technological developments in the financial sector is loan products through the Peer to Peer platform. Namely transactions that use an online platform that functions as an intermediary that connects borrowers and lenders to carry out lending and borrowing transactions without meeting physically. P2P transaction mechanisms that are carried out directly between borrowers and investors provide risk directly to investors for the success of their funding through the P2P platform. Therefore, in conducting a direct analysis of the loans to be financed, investors must have adequate information so that they can make the best analysis for the financing they are doing. This mechanism allows for information asymmetry on the part of borrowers and investors. The level of trust from lenders is an important factor that will influence their decision as investors to provide funds to borrowers. This confidence can be obtained, among other things, by studying the various available information. In addition, there is the phenomenon of an increase in borrowers and lenders in P2P transactions in Indonesia. It is necessary to pay attention to whether this decision affects interest rates for lending through P2P platforms. [ABSTRACT FROM AUTHOR]

Islam is actually a religion that provides security, comfort, tranquility and tranquility for all its creatures. There is nothing in Islam that teaches its people to hate and harm others. Islam as a perfect religion, namely a religion that brings mercy to the universe (rahmatan lil alamin) always prioritizes the mission of peace, tolerance, moderation and nonviolence. This adaptive and accommodating characteristic of Islam is what the Prophet Muhammad (PBUH) championed. A religion that is easily accepted because its teachings are humane and universal. Historically, the entry of Islam in Indonesia was very peaceful and tolerant, as taught by the saints through local culture and could coexist with other religions at that time. But at this time violence or extreme attitudes are a phenomenon that we often hear and see, both in the mass media and the reality that surrounds our environment and society. The phenomenon of Islamic religious discourse in post-reform Indonesia is suspected to have experienced a lot of radicalism and even extremism. The explosion of terrorism in the name of Islam that occurred after the reform until now has made the face of Indonesian Islam in the spotlight in the world. In fact, Islam in Indonesia is Islam that prioritizes moderate principles (al-washathiyyah) in preaching, this characteristic of accommodating Islam is the bulwark of preventing radical religious understanding. Therefore, this study examines more focus and detail about how the concept of Al-Wasatiyyah in Islam according to Yusuf Al-Qaradawi and its implications for Indonesian society. [ABSTRACT FROM AUTHOR]

The national goal of the Indonesian nation as stated in the Preamble to the 1945 Constitution is to protect the entire Indonesian nation and all Indonesian bloodshed, promote general welfare, educate the nation's life, and participate in implementing world order based on independence, lasting peace, and social justice. In this study, qualitative Descriptive Analysis Methodology is used, which has natural characteristics (natural setting) as a source of direct, descriptive data, process is more important than results, analysis in qualitative research tends to be carried out by inductive analysis and meaning is essential. The office da'wah model involving mental coaching and structured character, DKM activities, capacity building, coaching mentoring counseling, and habituation of behavior in accordance with integrity, contributes positively to building the integrity of civil servants in the Ministry of Finance of the Republic of Indonesia. The office da'wah model has an important role in building the integrity of civil servants in the Ministry of Finance of the Republic of Indonesia. In this study, a high level of approval of activities and components related to office da'wah and building the integrity of civil servants. [ABSTRACT FROM AUTHOR]

The several approaches used in Indonesia to determine the start of the Islamic month are not the only factor; Ulil Amri, the person in charge, is also an aspect to consider. The study of this is necessary since Ulil Amri is typically thought of as the head of state or the administration. Ulil Amri's commands are deemed to have been disintegrated when something differs from a result of the government's judgment. This article attempts to examine the history of the notion of Ulil Amri as it emerged from various Muslim groups and organizations in Indonesia. Literature reviews were used to gather data about the concept of Ulil Amri as it was perceived by classical academics as well as as it was understood by various Muslim groups and organizations in Indonesia. This study demonstrates that the idea of Ulil Amri, which Muslims in Indonesia claim as their own, originates from ancient fiqh literature that makes reference to the ulama and the government (hukkam). These two ideas are also discussed in relation to the type of Ulil Amri that Muslims in Indonesia own. Other versions, such as Murshid Tariqah (Sufi Master) and the Jamaat chief, are the outgrowth of both thoughts, nevertheless. The social, religious, and political contexts of Indonesia contributed to the development of the Ulil Amri type variety. In addition, the similarity of the methods and criteria used by the Muslim community, with those used by the government, also influenced the difference in the concept of Ulil Amri. [ABSTRACT FROM AUTHOR]

In recent years, there has been a shift in giving dowries from dowries in the form of money, gold and other goods whose physical form is shifted to digital dowries such as cryptocurrency dowries, a digital currency using blockchain technology. The research focus and objectives of this research are to find out 1) What is the phenomenon of using cryptocurrency as a wedding dowry in Indonesian society. This type of research is normative legal research. The approach in this research uses the Statute Approach and the Case Approach and the Statute Approach. The technique for collecting legal materials is carried out using documentation methods. The results of this research show that the phenomenon of using cryptocurrency as a dowry among Indonesian people, especially Indonesian Muslims, has varied views and not a single perspective. [ABSTRACT FROM AUTHOR]

This study was conducted to get some insights into what factors influence individual behavior to use telemedicine applications post-COVID-19 pandemic in Indonesia. Some studies were done previously during the COsVID-19 pandemic era; however, as we moved to the new era post covid-19 pandemic, it would be interesting to find the answers. The research method was the quantitative approach. Survey to total 746 respondents spread throughout Indonesia were conducted, but 620 valid responses were collected to analyse user behavior towards the of telemedicine applications. Findings – The findings indicated that intention to use telemedicine application post COVID-19 pandemic in Indonesia was jointly predicted and explained 64.8% by performance expectancy, effort expectancy, social influence, facilitating condition, hedonic motivation, price values, habit, perceived security and reliability. The result also revealed that three variables which are performance expectancy, habit, perceived security and reliability have strong positive correlations and significant influence on individual behavior towards the use of telemedicine. Respondents were collected randomly from some areas, meanwhile Indonesia is a large country, consists of more than 10,000 islands. The result may be applicable only in some places. Based on the findings, it is important for healthcare professionals or those who have interest in the telemedicine industry to carefully look at three key factors related to improve performance expectancy, build users habit, and ensuring security and reliability in order to drive individuals' behavior to use telemedicine application in Indonesia. This study is using modified UTAUT2 model to assess individual behavior towards use of telemedicine application post covid-19 pandemic in Indonesia. [ABSTRACT FROM AUTHOR]

This study examines the effect of foreign insurance affiliation, market share, own retention ratio, claims ratio and expense ratio on the performance of general insurance companies in Indonesia. The performance of insurance companies in this study uses a measure of return on equity (ROE). The research population is all general insurance companies in Indonesia operating in 2018-2021. The research sample is 177 insurance companies in that period. Data collection uses financial reports submitted by insurance companies to the Financial Services Authority. Furthermore, to perform data analysis, multiple linear regression through the use of SPSS software as a tool is used in this study. The results show that foreign affiliation and own retention ratio have a positive impact on insurance company ROE. Meanwhile, market share, claims ratio, and expense ratio have a negative effect on ROE. Taken together, foreign affiliate, market share, own retention ratio, claims ratio and expense ratio affect ROE. The results of this study can provide an overview to regulators in regulating foreign ownership in the insurance industry in Indonesia as well as regulations regarding self-retention. For shareholders and management of insurance companies, this research can provide an overview of foreign cooperation policies and reinsurance policies associated with the risk profile of insurance business lines in Indonesia, fee policies, underwriting and claim handling. [ABSTRACT FROM AUTHOR]

This study aims to identify the effect of internal performance and macroeconomic conditions on the credit risk of Regional Development Banks in Indonesia in the 2017-2021 period. This research is a quantitative research using statistical data. The population used in this research is Regional Development Banks in Indonesia from 2017 to 2021. The sample used in this research is from 24 Regional Development Banks in Indonesia that have been registered with the Financial Services Authority (OJK). The data for this research were obtained from library sources available at the Financial Services Authority, the Central Bureau of Statistics and Bank Indonesia. The research data was processed using the Error Correction Model (ERM) with Microsoft Excel and Eviews 10 software. The results of this study indicate that the Credit Growth Ratio has a positive effect on NPLs both in the long term and in the short term. CKPN receipts have a positive effect on NPL both in the long term and in the short term, BOPO has a negative effect on NPL both in the long term and in the short term, inflation has a positive effect on NPL both in the long term and in the short term, GRDP has a negative effect on NPL both in the long term and short term. [ABSTRACT FROM AUTHOR]

This study aims to analyze the process of developing the pesantren yellow book curriculum in improving the quality of education at Al-Ittihad Poncol Islamic Boarding School, Al-Huda Islamic Boarding School Petak Semarang Regency. To analyze the implications of developing the yellow book curriculum in improving the quality of education in the Al-Ittihad Poncol Islamic Boarding School in Semarang Regency and Al-Huda Islamic Boarding School in Semarang Regency, to analyze the reasons why the yellow book curriculum needs to be applied in the pesantren environment in Indonesia. This research uses a qualitative approach with natural characteristics (Natural Setting) as a direct and descriptive data source, the process is more important than the results. Primary data of caregivers, leaders of Islamic boarding schools, heads and representatives of the curriculum, ustadz, and Santri sons / daughters of Al-Ittihad Poncol Islamic boarding school and Al-Huda Petak Islamic boarding school. Data collection techniques with in-depth interviews, observation, and documentation. Data analysis uses methods of descriptive analysis, content analysis, and critical analysis. The Discussion Method uses the inductive method, the deductive method, and the comparative method. The result of this research is the History of al-Ittihad Islamic Boarding School and al-Huda Islamic Boarding School developed from Sufism boarding schools, studying the Qur'an and studying the yellow book using the classical system. [ABSTRACT FROM AUTHOR]

Technology has developed rapidly and affected every community's life. This condition was also supported by the occurrence of a pandemic in early 2020 which resulted in restrictions on mobility between individuals and other humans to reduce the spread of the virus which resulted in a crisis. One of the technological developments in the financial sector is loan products through the Peer to Peer platform. Namely transactions that use an online platform that functions as an intermediary that connects borrowers and lenders to carry out lending and borrowing transactions without meeting physically. P2P transaction mechanisms that are carried out directly between borrowers and investors provide risk directly to investors for the success of their funding through the P2P platform. Therefore, in conducting a direct analysis of the loans to be financed, investors must have adequate information so that they can make the best analysis for the financing they are doing. This mechanism allows for information asymmetry on the part of borrowers and investors. The level of trust from lenders is an important factor that will influence their decision as investors to provide funds to borrowers. This confidence can be obtained, among other things, by studying the various available information. In addition, there is the phenomenon of an increase in borrowers and lenders in P2P transactions in Indonesia. It is necessary to pay attention to whether this decision affects interest rates for lending through P2P platforms. [ABSTRACT FROM AUTHOR]