University of Surabaya Journal
Not a member yet
4058 research outputs found
Sort by
Potential New Fraud Model: Jockey Service in Online Lending in Indonesia
Get PDFAbstract—The shift of the global finance model from traditional banking to modern banking has led the world into accessible economics more than ever before. With the fast-paced advancement in the system, new problems emerge to challenge the world. Indonesia is one of those countries that has changed into the modern financial system, one of which is the use of financial technology. Financial technology, commonly referred to as Fintech, has created ample opportunities for individuals to exploit existing loopholes. Online lending which can be accessed easily by the people have led others to find lucrative and questionable ways to gain money. Failure to pay loans is already an alarming problem, compounding this challenge are the additional concerns posed by “Jockeys”. Jockeys that claim to be able to help debtors to free themselves from debt, typically they themselves will loan debtors the amount of money they need to pay to the online lenders with additional fees. This particular jockey has not been regulated by the government and has extreme potential of misuse in the services, for instance the breach of debtors personal data, fraud, etc. The purpose of this research paper is to analyze whether or not Joki gagal bayar pose a threat to Indonesia’s fintech market-growth. This research is a normative juridical research using statutory and conceptual approaches. The writers conclude that the existence of Joki gagal bayar is illegal and has high potential of misuse and fraud. The lack of regulation leaves room for illegal money making schemes to continue to exist in Indonesia. This urges the need of the government of Indonesia to be strict on their view of Joki gagal bayar
Keywords: online lending, default, jockey service, financial technology, regulation
Abstrak—Pergeseran model keuangan global dari perbankan tradisional ke perbankan modern telah membawa dunia ke perekonomian yang lebih mudah diakses dibandingkan sebelumnya. Dengan kemajuan pesat dalam sistem ini, permasalahan baru pun muncul untuk menantang dunia. Indonesia merupakan salah satu negara yang mengalami perubahan sistem keuangan modern, salah satunya adalah pemanfaatan teknologi keuangan. Teknologi finansial yang biasa disebut dengan Fintech telah menciptakan banyak peluang bagi individu untuk memanfaatkan celah-celah yang ada. Pinjaman online yang mudah diakses oleh masyarakat telah menyebabkan orang lain mencari cara yang menguntungkan dan meragukan untuk mendapatkan uang. Kegagalan untuk membayar pinjaman sudah menjadi masalah yang mengkhawatirkan, tantangan ini diperburuk oleh kekhawatiran tambahan yang ditimbulkan oleh “Joki”. Para joki yang mengaku bisa membantu debitur untuk terbebas dari hutang, biasanya mereka sendiri yang akan meminjamkan kepada debitur sejumlah uang yang harus mereka bayarkan kepada pihak pemberi pinjaman online dengan biaya tambahan. Joki khusus ini belum diatur oleh pemerintah dan memiliki potensi penyalahgunaan layanan yang ekstrim, misalnya pembobolan data pribadi debitur, penipuan, dll. Tujuan dari makalah penelitian ini adalah untuk menganalisis apakah Joki gagal bayar menimbulkan kerugian atau tidak. ancaman terhadap pertumbuhan pasar fintech di Indonesia. Penelitian ini merupakan penelitian yuridis normatif dengan menggunakan pendekatan perundang-undangan dan konseptual. Penulis menyimpulkan bahwa keberadaan Joki gagal bayar adalah ilegal dan mempunyai potensi penyalahgunaan dan penipuan yang tinggi. Kurangnya peraturan memberikan ruang bagi skema penghasil uang ilegal untuk terus ada di Indonesia. Hal ini mendesak perlunya pemerintah Indonesia untuk bersikap tegas terhadap pandangan mereka terhadap Joki gagal bayar.
Kata kunci: pinjaman online, gagal bayar, layanan joki, teknologi keuangan, regulas
Indirect Correlation between Hotel’s Environmental Policy and its Performance through Employee's Environmental Abilities
Get PDFPupose: This study examines the impact of employees' green abilities as a mediator on the relationship between hotel green policy and hotel green performance within a hotel group in Bali. Numerous efforts have been made to pursue business sustainability, particularly within the hospitality tourism sector.
Method: The sample of this study consists of 161 employees with supervisor status working in the operations department, selected through convenience sampling. Data analysis was conducted using path analysis with Smart PLS.
Result: The results reveal a significant direct effect of the Hotel Green Policy on Hotel Green Performance and a significant indirect effect through the mediator of employee's green abilities. Therefore, this study concludes that employees' green abilities mediate the significant indirect relationship between Hotel Green Policy and Hotel Green Performance
LEGAL REVIEW OF MEDICAL EMERGENCY THAT HAPPENED AFTER A FAILED ABORTION ATTEMPT
Get PDFAborsi adalah penyebab tertinggi kelima angka kematian ibu. Aborsi dibenarkan atau legal disebut abortus provokatus medisinalis dan yang kriminal atau ilegal disebut abortus provokatus kriminalis. Hukum Indonesia melarang melakukan aborsi kecuali indikasi kegawatdaruratan medis dan akibat pemerkosaan. Tujuan penelitian, mengetahui akibat hukum seseorang yang gagal melakukan aborsi dan perlindungan hukum dokter yang merawatnya. Jenis penelitian, menggunakan yuridis normatif dengan pendekatan konseptual dan perundangan. Para pelaku dan mereka yang membantu aborsi yang menyebabkan kedaruratan medis terancam dengan KUHP Pasal 53. Mereka tidak dapat dihukum jika sesuai dengan standar profesional dan prosedur operasi standar. Kesimpulan dan sarannya ialah dokter tidak dapat dihukum sebagai pelaku kejahatan atau sebagai pembantu untuk kejahatan aborsi jika dapat dibuktikan bahwa aborsi dilakukan dalam kondisi darurat untuk menyelamatkan ibu atau janin dan mencegah kecacatan. Pemerintah perlu membuat undang-undang yang mengatur siapa yang akan melakukan aborsi yang aman, kualitatif dan bertanggung jawab
Pengaruh akuntabilitas pengelolaan dan optimalisasi penggunaan dana desa terhadap pengembangan badan usaha milik gampong (BUMG)
Get PDFVillage funds are essential for development; therefore, it is crucial to look into their management and use. This study aims to examine the impact of accountability in managing village funds and optimizing the use of village funds on the growth of village-owned enterprises (a case study in Padang Rubek Village, Kuala Pesisir District, Nagan Raya District). Methods for collecting data include conducting surveys and obtaining as many as 25 respondents. Using a questionnaire, survey data were collected, processed, and analyzed using multiple linear regression tests. The Pearson Correlation Validity Test and the Cronbach Alpha Reliability Test are used to assess the quality of the data for this study. Applying multiple linear regression to data. The findings of this study indicate that the accountability of village fund management has a positive and significant impact on the development of gampong-owned businesses. Moreover, optimizing the use of village funds has a substantial positive impact on the growth of gampong businesses. This result suggests that village-owned enterprises can develop further if village funds are managed appropriately
“Guyub” as a Mediator Between Facilitative Leadership and Global Mindset: A Study of Indonesian State-Owned Enterprises (SOEs): [“Guyub” Sebagai Mediator Hubungan Antara Kepemimpinan Fasilitatif dan Kesiapan Global: Studi Badan Usaha Milik Negara (BUMN) Indonesia]
Get PDFIndonesian State-Owned Enterprises (SOEs) have strategic positions in a number of economic sectors, making it pioneers of Indonesian global excellence. Along with the visions it holds, the leaders of Indonesian State-Owned Enterprises (SOEs) must be reliable in business management, always respecting local Indonesian sensibilities. Within the framework of providing an empirical basis in leadership development, this study was aimed at exploring the relationship of facilitative leadership with global mindset, through Indonesian standard culture mediator, in the form of “guyub”. The correlational study, utilizing quantitative analysis, was conducted with 202 employees of two Indonesian State-Owned Enterprises (SOEs). The mediational analysis by Baron and Kenny (1986), with the testing of the scales of influence using Sobel test, showed that facilitative leadership significantly supported global mindset through “guyub”, although the mediating effect was only partial. The implications of the results of this study, for State-Owned Enterprises (SOEs), was the need for the acceleration of the provision of intellectual capital (IC) to achieve optimal ability in managing the global uniformity of businesses, markets, and cultures. Two other forms of capital, i.e., social capital (SC) and psychological capital (PC), as the results of domestic multiculturalism, need to be transformed into global uniformity, by the development of intercultural sensitivity as an active component.
Badan Usaha Milik Negara (BUMN) memiliki posisi strategis di sejumlah sektor ekonomi yang menjadikannya sebagai pelopor keunggulan global Indonesia. Sejalan dengan visi yang dimiliki, pemimpin Badan Usaha Milik Negara (BUMN) harus handal dalam mengelola bisnis, dengan tetap menjunjung kearifan lokal Indonesia. Dalam rangka menyediakan dasar empiris dalam pengembangan kepemimpinan, studi ini bertujuan untuk mengeksplorasi hubungan kepemimpinan fasilitatif, dengan kesiapan global melalui mediator budaya standar Indonesia berupa “guyub”. Studi korelasional dengan analisis kuantitatif dilaksanakan pada 202 karyawan dua Badan Usaha Milik Negara (BUMN) di Indonesia. Analisis mediasi Baron dan Kenny (1986) dengan pengujian besaran pengaruh melalui uji Sobel menunjukkan kepemimpinan fasilitatif signifikan mendorong kesiapan global melalui mediator guyub, namun efek mediasinya bersifat parsial. Implikasi hasil studi ini bagi Badan Usaha Milik Negara (BUMN) adalah perlunya mengakselerasi intellectual capital (IC) agar kemampuan dalam mengelola keberagaman bisnis, pasar, dan budaya secara global menjadi optimal. Dua kapita lainnya, social capital (SC) dan psychological capital (PC), sebagai hasil dari multikulturalisme domestik, perlu ditransformasi menjadi keberagaman global, dengan mengembangkan sensitivitas antar budaya sebagai komponen aktif
[RETRACTED] Profil Faktor Risiko Dan Sosiodemografis Kanker Serviks: Sebuah Kajian Sistematis
Get PDFAbstract—Cervical cancer is caused by HPV infection type 16 and 18. The risk factors and sociodemographic of HPV transmission is age, parity, number of sexual partners, oral contraceptives, sexual intercourse at young age and education level. The aims is to describe and analyze risk factors and sociodemographic of cervical cancer. This research is a systematic review. There are nine studies that included. The results are the mean age around 31.5-42.8 years old, the number of sexual partners between 0 - ≥ 2, with or without of oral contraceptives, have sexual intercourse at 16-24 years old, have children with 0-8 number of parity, and have an education level between lower - higher education level. This profile of risk factors and sociodemographic can be different between each country depends on culture, government systems and economic status from each country. The conclusion is women aged ≥ 30 years old (mean age around 31,5-42,8 years old) who used or doesn’t used oral contraceptive and have sexual intercourse at young age around 16-20 years old with the number of sexual partner is ≥ 1, also have high number of parity or have ≥ 2 kids and have low education level.
Keywords: cervical cancer, sociodemographic, risk factors
Abstrak—Kanker serviks disebabkan oleh infeksi dari HPV tipe 16 dan tipe 18. Faktor risiko dan sosiodemografis penularan infeksi HPV adalah usia, paritas, jumlah pasangan seksual, penggunaan kontrasepsi oral, melakukan hubungan seksual pada usia muda dan pendidikan. Tujuan penelitian ini adalah untuk menguraikan dan menganalisis faktor risiko dan sosiodemografis kanker serviks. Penelitian ini merupakan sebuah kajian sistematis. Terdapat sembilan literatur yang dikaji. Hasil penelitian adalah rata-rata usia adalah 31,5-42,8 tahun, jumlah pasangan seksual bervariasi antara 0 - ≥ 2 pasang, menggunakan atau tanpa kontrasepsi oral, melakukan hubungan seksual pada usia muda yaitu kisaran 16-24 tahun, memiliki anak dengan jumlah yang bervariasi yaitu antara 0-8 anak, dan memiliki jenjang pendidikan antara pendidikan rendah-pendidikan tinggi. Profil faktor risiko dan sosiodemografis ini dapat berbeda antar tiap negara karena dipengaruhi oleh budaya, sistem pemerintahan dan status ekonomi dari setiap negara. Dengan demikian dapat disimpulkan bahwa profil faktor risiko dan sosiodemografis kanker serviks adalah wanita berusia ≥ 30 tahun (rata-rata usia 31,5-42,8 tahun) yang menggunakan atau tanpa menggunakan kontrasepsi oral dan pernah melakukan hubungan seksual di usia sekitar 16-20 tahun dengan jumlah pasangan seksual yaitu ≥ 1, serta memiliki anak dengan jumlah yang banyak atau ≥ 2 dan tingkat pendidikan rendah.
Kata Kunci: kanker serviks, sosiodemografis, faktor risik
Integrating Diffusion Perspective of Total Quality Management Improvement in SMEs Indonesia Sector: a Bibliometric Analysis
Get PDFPupose: Constructing big potential of development by boosting up the SMEs. The SMEs seems neglected by its history as the main focus remained on public sectory. The SMEs particularuy in large scale manufacturing units beyond the government, bank, and liberalization. As the SMEs sector periodly withdraw their development because of lack skill and function. In this research, SMEs sector an object using the improvement of Entreprenurship skill by Human Capital and Social Resources, and Enterpreneurship Education.
Method: This research adopts qualitative research method with Bibliometric Analysis. Bibliometric analysis defines the quality of systematic literature with periodical time and quality evidence in empirical studies.
Result: Adopting the Systematic Literature and Bibliometric analysis entrepreneurship could responsibility of reality in better recognize and understand the potentional of implementation process. With an evidences by integrating diffusion perspective between Total Quality Management in Indonesia SMEs sector
Pengembangan Digital Game sebagai Sarana Pembelajaran Matematika untuk Difabel
No full textAbstract—People with disabilities are highly capable human resources as long as proper education are given to them. However, number of researches for disabled people’s education is far behind those for regular people. This presents a great hurdle for educators. To combat this, an unorthodox way with a digital educational game is presented. Said game helps students with disabilities concentrate better than conventional study methods. A survey for the facilities’ educators shows that they agreed that the students are more enthusiastic than usual. Another survey for the students themselves resulted in a overwhelmingly positive welcome, saying it’s more fun than regular classes. This shows that the digital educational game MathBharataV3 shows clear and positive results as a mathematics learning aid for disabled students.
Keywords: game-based learning, disabled students, educational game
Abstrak—Sumber daya manusia dengan difabilitas adalah sumber daya manusia yang memiliki potensi tinggi selama difasilitasi dengan metode pembelajaran yang tepat. Namun, jumlah penelitian bagi metode pembelajaran siswa difabel jauh lebih sedikit daripada penelitian untuk siswa reguler. Tantangan besar untuk pendidik pada bidang ini dapat diselesaikan dengan sebuah metode yang tidak lazim digunakan, yaitu dengan menggunakan game pembelajaran digital. Game tersebut membantu siswa difabel lebih berkonsentrasi dibandingkan dengan metode pembelajaran konvensional. Sebuah survei untuk pendidik fasilitas difabel tersebut menunjukkan para pendidik setuju bahwa siswa difabel menjadi lebih tertarik daripada biasanya. Sebuah survei lain pada siswa difabel menunjukkan hasil yang sangat positif, dengan sangat banyak respon yang mengatakan bahwa game tersebut lebih menarik dari kelas biasanya. Seluruh hasil survei ini menunjukkan bahwa game pembelajaran berbasis digital tersebut memberikan hasil yang jelas dan positif sebagai media pembantu pembelajaran matematika pada siswa difabel.
Kata kunci: pembelajaran berbasis game, siswa difabel, game pembelajara
Optimizing Customer Segments of SMEs by Transforming Business Model Canvas
No full textThis research examines the business model canvas in developing customer segments through e-commerce channels for Small and Medium Enterprises (SMEs). SMEs are expected to be sustained by reviewing their business model canvas (BMC) and finding the most potential block of BMC to be developed so that the SMEs could keep contributing to the growth of the Gross Domestic Product. However, not all SMEs have qualified managerial and technical skills to determine their potential. The BMC analysis helps SMEs to unlock their potential value.
This study uses a qualitative approach by assisting one of the SMEs from Jakarta, Indonesia. The tools used to analyze are; Business Model Canvas, Porter's Five Forces, VRIO analysis, and SWOT analysis
The results of the new mapping of the business model canvas by updating certain parts of the business model canvas impact increasing market access for SMEs. They can open a new paradigm for increasing SME market access, which can be done by changing one of the components of the business model canvas
The Effect of Online Customer Reviews on Purchase Intention With Customer Trust as A Variable in Purchase Decision on Sociolla Consumers
Get PDFPurpose: This study aims to analyze the effect of Online Customer Reviews on purchase intention with customer trust as a purchasing decision variable for Sociolla consumers.
Method: This research is using the Non Probability Sampling method with Purposive Sampling. The sample used in this study was 250 respondents with characteristics; Men and women aged 17 years and over, know and have an account on the Sociolla website, and have also shopped at Sociolla in the last 3 months. Data was collected by distributing questionnaires and using the SEM-PLS Software 4.0 analysis technique for analysis.
Results: The results of this study indicate that Online Customer Reviews has a positive influence on customer trust on the Sociolla website, customer trust has a positive influence on consumer buying interest to shop online, and Online Customer Reviews has a positive influence on consumer buying interest through customer trust to shop on line