E-Journal UMSIDA (Universitas Muhammadiyah Sidoarjo)
Not a member yet
1909 research outputs found
Sort by
Comparative Study of Digital Banking Services: User Experience Analysis of BYOND by BSI and BALE by BTN Applications in the Era of Digital Banking Transformation
No full textGeneral Background: The rapid expansion of digital banking in Indonesia has driven banks to develop super apps that integrate financial and lifestyle services. Specific Background: BYOND by BSI and BALE by BTN represent two major innovations reflecting distinct strategic orientations—sharia-based digital integration and lifestyle-oriented financial ecosystems. Knowledge Gap: Despite their rapid adoption, limited comparative studies analyze how these apps differ in user experience, feature effectiveness, and progress toward becoming full super apps. Aims: This study aims to compare BYOND and BALE in terms of service features, security, transactional ease, user satisfaction, and super-app readiness. Results: Findings indicate that BYOND excels in sharia-integrated services and transactional completeness, while BALE performs strongly in mortgage-related features and financial lifestyle support. Both applications are perceived as secure, though concerns over potential data leakage remain. Novelty: This study provides one of the first qualitative comparative analyses of Indonesia’s emerging banking super apps using user-experience-driven evidence. Implications: The results suggest that BYOND is closer to achieving super-app maturity, whereas BALE holds significant potential through ecosystem expansion, offering strategic insights for digital banking development in Indonesia.
Highlights:
BYOND by BSI excels in integrating financial features and sharia services that are close to the super app concept.
BALE by BTN is strong in housing finance and personal financial management services, especially those related to mortgages.
Both applications are considered quite secure and facilitate digital transactions, but there are still concerns about data leaks and cyber attacks.
Keywords: BYOND by BSI, BALE by BTN, Digital Banking, Super App, Customer Satisfaction, Islamic Bankin
Status of Property Assets in Marriages Without a Prenuptial Agreement from the Perspective of the Civil Code and the Marriage Law: A Review of Supreme Court Decision No. 2981 K/Pdt/2024
No full textGeneral background: The regulation of property assets in Indonesian marriage law operates within a dual framework involving the Civil Code and the Marriage Law, each establishing different principles on ownership and control. Specific background: These differences create practical ambiguity in marriages concluded without a prenuptial agreement, particularly when determining the status of separate and marital property upon dissolution. Knowledge gap: Despite substantial jurisprudence, limited scholarly analysis examines how both legal regimes interact in real disputes, especially in cases where property acquired before marriage becomes contested inheritance. Aims: This study analyzes the status and distribution of property assets in marriages without a prenuptial agreement by comparing the Civil Code and the Marriage Law, using Supreme Court Decision No. 2981 K/Pdt/2024 as a case reference. Results: The findings show that during marriage, property classification follows the Marriage Law, but upon dissolution—especially by death—the distribution of assets reverts to the parties’ respective legal system, resulting in the Civil Code governing inheritance for those subject to civil law. Novelty: This research clarifies the normative intersection between marital property and inheritance law in the absence of prenuptial agreements. Implications: The study highlights the need for harmonization between the Marriage Law and the Civil Code to ensure legal certainty and prevent interpretive inconsistencies in future marital property disputes.
Highlights:
Clarifies differences between the Marriage Law and the Civil Code in regulating property without a prenuptial agreement.
Highlights how dissolution of marriage shifts asset distribution to the parties’ applicable legal system.
Emphasizes the need for harmonization to prevent inconsistent judicial interpretations.
Keywords: Marital Property, Separate Property, Civil Code, Marriage Law, Inheritanc
Legal Review of Land Acquisition from Indigenous Peoples in the Nusantara Capital City (IKN) Project: Tinjauan Hukum Terhadap Pengadaan Tanah Masyarakat Adat Dalam Proyek Ibu Kota Nusantara (IKN)
No full textGeneral Background: The development of the new capital city, Ibu Kota Nusantara (IKN), as a National Strategic Project requires large-scale land acquisition, including areas traditionally occupied by Indigenous communities. Specific Background: Although legal frameworks such as the Basic Agrarian Law, the IKN Law, and Presidential Regulation No. 65/2022 formally acknowledge Indigenous land rights, their implementation remains inconsistent. Knowledge Gap: There is still no clear mechanism for verifying customary (ulayat) rights, determining culturally appropriate compensation, or ensuring meaningful participation of Indigenous communities in land acquisition processes. Aims: This study aims to examine the effectiveness of the existing legal framework governing land acquisition for IKN and assess the extent of protection afforded to Indigenous peoples. Results: The findings show that despite normative recognition of Indigenous rights, practical implementation faces barriers, including unclear procedures, limited community involvement, and compensation that fails to reflect the social, cultural, and spiritual value of customary land. Novelty: This research highlights the urgent need for specific legal instruments regulating the recognition and protection of ulayat rights within national strategic projects—an aspect largely absent in current regulations. Implications: Strengthening regulations, establishing holistic compensation standards, and ensuring inclusive participation and dispute-resolution mechanisms are essential to achieving a fair and sustainable land acquisition process for Indigenous communities affected by the IKN project.
Highlights:
The legal framework recognizes Indigenous land rights, but implementation remains inconsistent.
Customary land holds cultural and spiritual value that is not reflected in current compensation models.
Strengthened regulations and inclusive participation are essential for fair land acquisition in IKN.
Keywords: Land Acquisition, Indigenous Peoples, Customary Rights, Ibu Kota Nusantara, Legal Protectio
The Role of Strategic Patience in Enhancing Marketing Excellence Through the Marketing Lens
No full textGeneral Background This study addresses the growing need for organisations to adopt long-term strategic approaches capable of sustaining competitiveness in dynamic markets, where marketing excellence increasingly depends on deliberate decision-making and adaptive learning. Specific Background Within the retail apparel sector in Ziona Mall and Al-Harithiya, the concept of strategic patience has been recognised but insufficiently examined in relation to marketing excellence and the mediating role of the marketing lens. Knowledge Gap Despite its theoretical prominence, empirical evidence on how strategic patience is channelled through marketing perspectives to enhance marketing excellence remains limited. Aims This research investigates the direct effects of strategic patience on the marketing lens and marketing excellence, and evaluates the marketing lens as a mediating mechanism. Results Using data from 189 employees and structural equation modelling, the study reveals strong and significant effects of strategic patience on the marketing lens, a weaker yet significant direct effect on marketing excellence, and a robust indirect effect indicating partial mediation. Novelty The study demonstrates that strategic patience contributes to marketing excellence primarily through the marketing lens rather than through direct influence alone. Implications These findings highlight the need for apparel retailers to strengthen culture management, knowledge development, and stakeholder engagement so that strategic patience can translate into sustainable marketing performance.Highlight :
The study underscores the strong link between strategic patience and the marketing lens, which serves as the primary mechanism for elevating marketing excellence.
Findings show that stakeholder engagement remains the weakest dimension, indicating the need for more consistent external collaboration.
Customer value emerges as the lowest-performing aspect, signalling that stores must clarify and strengthen the value delivered to customers
Keywords : Strategic Patience, Marketing Excellence, Marketing Lens, Ziona Mall, Al-Harithiya 
Component Tolerance and Performance of 2-Way Passive Crossovers: Toleransi Komponen dan Kinerja Penyeberang Pasif Dua Arah
No full textGeneral Background: Passive 2-way crossover filters play a crucial role in dividing audio signals between woofer and tweeter channels, where their performance is highly dependent on the precision of passive components. Specific Background: Variations in capacitor and inductor values, along with their tolerances, can significantly alter crossover frequency, phase characteristics, and harmonic distortion, yet these effects are not fully quantified in practical implementations. Knowledge Gap: Limited studies provide an integrated empirical–analytical assessment of how component deviations influence frequency response, THD, and impedance stability in real passive 2-way filters. Aims: This study evaluates the influence of component tolerances on crossover frequency accuracy, filter slope behavior, phase stability, and distortion performance. Results: Experimental findings show that ±10–15% component deviations shift crossover frequency by 7.1–8.5%, reduce filter slope by 2.1–3.2 dB/octave, increase THD from 0.8% to 3.2% at 10W, and induce impedance fluctuations that shift the crossover point by an additional 3.2%. Inductors exhibit higher sensitivity (0.72–0.78) than capacitors (0.45–0.52). Novelty: This study provides a combined simulation–measurement analysis linking component tolerance to measurable acoustic deviations. Implications: The results highlight the need for ≤5% tolerance components and pre-assembly verification to ensure stable crossover performance.
Highlights:
Component tolerances significantly shift crossover frequency and reduce filter accuracy.
Inductors have a stronger impact on system performance than capacitors.
Using ≤5% tolerance components improves stability, distortion, and overall audio quality.
Keywords: Passive Crossover Filter, Component Tolerance, Crossover Frequency Shift, Total Harmonic Distortion, Impedance Stabilit
Enhancing Managerial Competencies of Civil Servants in Uzbekistan: An Organizational-Economic Approach in the Context of Digital Transformation: Meningkatkan Kompetensi Manajerial Pegawai Negeri Sipil di Uzbekistan: Pendekatan Ekonomi-Organisasional dalam Konteks Transformasi Digital
No full textThe article deals with the development of managerial competencies among civil servants in Uzbekistan in the context of virtual transformation. The primary goal of the study is to design and test an organizational-economic mechanism aimed at streamlining the professional training of civil servants. The research uses a comprehensive method that includes analysis of regulatory frameworks, sociological surveys, competency diagnostics and evaluation of high-quality practices worldwide. The proposed mechanism, which includes virtual learning structures, tailored professional development pathways and modern assessment techniques, has proven to be effective in promoting professional coaching of civil servants. The reasonable significance of the study lies in the applicability of the proposed approach to improve first-class public administration in Uzbekistan and in various countries undergoing modernization.
Highlights:
Focus: Development of managerial competencies in civil servants amid virtual transformation.
Method: Regulatory analysis, surveys, competency diagnostics, and best practice evaluations.
Impact: Enhances public administration through virtual learning and professional coaching.
Keywords: managerial talents, public service, virtual transformation, professional development, organizational-monetary mechanism, development of useful human resources, virtual academic structures, global entertainmen
Shadow Economy in Uzbekistan: National Trends and International Perspectives: Ekonomi Bayangan di Uzbekistan: Tren Nasional dan Perspektif Internasional
No full textThere has been a persistent shadow economy in the development of Uzbekistan, existing from an economic transition context along with tax evasion, informal employment, and illicit activities. However, government reforms have not reduced the size of informal sector which stands at about 27.2% of GDP, with the maximum being 52%. Addressing a knowledge gap, this study uses a mixed methods approach of statistical analysis and policy evaluation to analyse the drivers and the implications of the shadow economy. They found that high tax burdens, regulatory barriers, and attitudes among the general public concerning governance promoting informal practices. The results indicate that while recent efforts at curbing corruption and making the economy more open, are assisting in 'shedding' the shadow economy, there are still important yet residual obstacles in formalizing the labor market and achieving equitable economic development. Through these insights it is clear that legislative reforms, digitalization, and international coopeartion is needed to ensure that targeting, long term strategies are used to promote transparency and sustainable growth in Uzbekistan.
Highlights:
Uzbekistan's shadow economy persists due to high taxes, regulation, and informal practices.
Recent reforms aid transparency, but obstacles remain in labor market formalization.
Legislative reforms, digitalization, and international cooperation needed for sustainable growth.
Key words: shadow economy, Uzbekistan, informal employment, tax evasion, economic reforms, governance, anti-corruption, economic development, regulatory barriers, digitalization
Investigation of Antioxidants and Some Biochemical Parameters in Sheep and Cattle Infected With Toxoplasmosis: Investigasi Antioksidan dan Beberapa Parameter Biokimia pada Domba dan Sapi yang Terinfeksi Toksoplasmosis
No full textThe current study aimed to evaluate the effect of infection with Toxoplasmosis gondii in the serum and milk of sheep and cows on some enzymes and biochemical parameters. 200 samples from sheep and 125 samples from cows that suffered from miscarriages at different stages of pregnancy and were suspected of being infected with toxoplasmosis were collected from different areas of Salah Governorate. Using the latex agglutination test, it was found that the percentage of infection with toxoplasmosis in sheep is 47.5% and 33.6% in cows. According to the statistical results of biochemical tests, sheep and cows exposed to Toxoplasma showed an increase in glutathione peroxidase levels (GSH-PX) in their serums, whereas infection did not significantly affect the activity of creatine phosphokinase in sheep or cows, as did creatine phosphokinase. As a result of this infection, zinc levels in sheep and cows' serum were significantly decreased, which resulted in a significant increase in copper and phosphorus levels. Toxoplasma infection resulted in a decrease in milk parameters including protein and fat, as well as lactose in cow's milk, while it did not significantly change in sheep's milk compared to the control group.
Highlights:
Effect of Toxoplasma gondii on serum and milk biochemical parameters in livestock.
Infection impact: Increased GSH-PX, decreased zinc, increased copper and phosphorus levels.
Milk quality decline: Reduced protein, fat, and lactose in cows; minimal change in sheep.
Keywords: toxoplasmosis, toxoplasmosis in sheep,Oxidation enzymes
Molecular Study and Detection of The Causative Bacteria of Urinary Tract Infection of Transfusion Dependent Thalassemia Patients Who Are Being Treated with Iron Chelators: Studi Molekuler dan Deteksi Bakteri Penyebab Infeksi Saluran Kemih pada Pasien Thalassemia yang Bergantung pada Transfusi yang Diobati dengan Chelator Besi
No full textThis study was conducted for the purpose of detecting some virulence factor genes of the bacterial species isolated from the urine transfusion dependent beta Thalassemia TDT with UTI, 173 urine samples were collected from both study group TDT patient with UTI and control group, Results showed that sample (n=38, 21.96%) of the total samples studied gave positive bacterial growth, while (n=135, 79.03%) gives negatives growth on media cultivation in control samples. In patient with beta Thalassemia have shown positive growth of 38 samples (21.96%) and samples (135) (79.03%) were not give any growth. the purpose of study is to detecting some virulence factors for gram negative studied isolates, DNA was extracted for all isolates. (n=17) gram negative isolates were taken, represented by (n=9, 23.7%) isolates of E. coli and (n=3, 7.9%) isolates of E. cloacae, (n=5, 13.2%) of K. pneumonia their isolated from transfusion dependent thalassemia with UTI with use of universal primers for each bacterium and partial 16s rRNA sequence for diagnosis of this isolated bacteria.
Highlights:
Detecting virulence factor genes in bacteria from transfusion-dependent beta thalassemia UTI patients.
173 urine samples, 38 (21.96%) showed positive bacterial growth, 135 negative.
DNA extraction, 17 gram-negative isolates identified: E. coli, E. cloacae, K. pneumoniae.
Keywords: universal primers, Thalassemia, Urinary tract infection, Virulence Factors
Comparative Analysis of Investment Efficiency Factors in Regional Industrial Development: Analisis Perbandingan Faktor Efisiensi Investasi dalam Pengembangan Industri Daerah
No full textThe research focuses on evaluating investment performance within Surkhandarya's regional industry sector along with its factors which promote industrial enterprise development and sustainability. The study establishes an essential position for investment efforts because they drive economic stability alongside employment growth and technological development. Research shows a considerable lack of information about how efficient investments impact enterprise numbers in regional economic settings. The research implements correlation and regression analysis through econometric modeling with statistical data spanning from 2010 until 2023. The research shows clear positive relations between investment amounts and the growth of industrial enterprises because every 1% investment growth results in 0.63% industrial enterprise expansion. A 1% increase in the labor force leads to additional 0.42% participation in the workforce according to study findings. The research findings demonstrate how investments focused on underdeveloped areas especially agriculture sector development projects lead to improved regional economic diversification. The research demonstrates that investment optimization through strategic distribution improves industrial development and requires data-based decision-making. Data-driven policy-making together with improved infrastructure and innovation-based funding and balanced sectoral funding must be used to enhance regional development and economic policies and investment management. The field requires more research into specific industrial investment effects together with improved econometrics to better capture external economic influences for complete understanding about regional industrial development investments.
Highlights:
Investment drives economic stability, employment, and industrial growth.
Econometric analysis shows positive investment impact on enterprise expansion.
Strategic, data-driven policies enhance regional industrial development.
Key words: Regional industrial sector, GRP, investment efficiency, comparative models, investment factor