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In Indonesia, there are 3,107 illegal fintech companies. The author focuses on illegal collection actions related to online loans from illegal fintech as stated in Decision Number 438/Pid.Sus/2020/PN.Jkt.Utara. When collecting an online loan from the victim, the defendant used harsh words towards the...

Corruption is an extraordinary crime which refers to rotten, dishonest acts related to finance. Despite relentless eradication of corruption undertaken, corrupt networks have always been developing various modes to be exempted from allegations of corruption. It is performed by blocking or hindering the...

Modern media continues to grow and have an impact on global changes in industrial, cultural, social, religious paradigms and the lives of people. New communication trends such as social media have implications for the disruption of the alienation of the functional role of religion which will most likely...

This study discusses learning Arabic language proficiency at Madrasah Ibtidaiyah as a category of non-speakers and beginner level, namely the integration of istima (listening), kalam (reading), qiraah (speaking), and kitabah (writing) skills. As for learning Arabic, it cannot be equated with learning...

This paper explores the concept of student resilience and how it can be promoted in schools. Resilience is defined as the ability of students to recover and persist in academic engagement and achievement after experiencing negative events. The understanding of resilience has shifted over time, moving...

With the rapid development and spread of digital technology, the market environment is becoming increasingly digital. Enterprises need to use new technologies to adapt and seize market opportunities, improve efficiency and competitiveness to maintain their market position. So how enterprises can carry...

Recent work introduced the concept of NRGcoin [1] - a decentralized digital currency for renewable energy, based on Blockchain technology. In this abstract we summarize the con-cept and outline how this currency benefits each stakeholder in the smart grid and the renewable energy economy as a whole....

The paper introduce in teaching of the course of computer network, in aspects of network construction, network agreement, as well as all service acts, how to utilize the sniffers’ scratch IP pack process, through their analysis, to understand every internet protocol construction. The aim of the treatments...

MOOC is changing the traditional education. This paper conducted the questionnaire research about what Chinese college students think and how they participate in online distance learning. The data from the questionnaire figures out how MOOC will influence Chinese University students' learning behaviors....

To improve cultivation quality of applied talents, further studied the existing problems in teaching mode of programming language, and proposed new reform solutions based on "practice and innovation". It firstly elaborated how to construct the curriculum system of programming. Take subject competition...

In the process of searching the education equality of new citizen' children, education fair on starting point is mainly to solve the "to study ", which result from the management and control in macroscopic aspect of national policy, to realize the right of equality and unity of children in the urban...

Customer Relationship Management (CRM) refers to the way to understand and influence customer behavior through continuous communication, in order to win new customers, consolidate existing customers and increase customer profit contribution. The CRM range is wide and deep, overall planning of information...

With the development of computer and network communication technology, the Internet also increasingly be used in various fields of society widely, especially the business of marketing activities. The Internet age is not only to bring huge business opportunities, but also give new challenges to traditional...

It is imperative to transform local colleges and universities into universities of applied sciences. How to handle following relationships of different universities is vital to the scientific and effective transformation, including major orientation and feature development, teaching mode and practical...

Workflow techniques may be broadly used in business processing and scientific computing and thus focused research interest over the last decade. The performance of workflow applications mainly depend upon task scheduling strategies in workflow engine. In this paper, a novel active workflow instance memory...

In a world where big data is everywhere, no one has big data relative to the economic cycle. Data volume needs to be thought of along two dimensions. (1) How many accounts / transactions / data fields do we have? (2) How much time history do we have? Few, if any, big data sets include history covering...

Writing skill is an important part in communication. Good writing allows us to communicate or deliver our messages to audiences clearly. But, most people think that writing is difficult. They don’t understand how to compile ideas and elaborate them. It also happened among junior high school students....

Currently, the government has vigorously promoted the precise poverty alleviation. Considered to be a basic work for precision poverty alleviation, the Inclusive Finance can effectively promoted precision poverty alleviation. Increasing financial supply in poverty-stricken areas through the development...

In the age of globalisation, the world is drawing closer together and English as the world language to connect the people of this world to be understand each other, is became the most important tool for communication. For a better understanding of cultural diversity and global interrelation in ways of...

The retirement fund is currently a necessity for people in Indonesia, but public participation in that funds is still low. Based on research conducted by HSBC that 1 of 3 Indonesians are not ready to face the retirement age. This is due to the lack of preparation of some people in preparing for old age,...

This paper is to study how to construct a realization mechanism for European banks to help them take social responsibilities. For this purpose, this paper uses textual analysis method to study the literature for banks and CSR in Europe and then summarize the functions of banks in European economics and...

Based on Julia Kristeva’s theory of intertextuality, by adopting Norman Fairclough’s classification of intertextuality, this document explains and demonstrates how to translate commercial advertisement texts(CAT). After a comprehensive analysis, this study puts forward three main leading principles for...

The concept of tourism village has been enforced by the provincial government in Bali. The main purpose is that tourism can be enjoyed by the community not only by a few tourism actors. This study attempts to; (1) know the potential and priorities of superior potentials that can be developed; (2) find...

The character problems in the next generation has become one of the central problems of almost all countries in the world on the last three decades. The intensity of global currents without value filters and norms is a major contributing factor to the collapse of the nation's morale. Therefore, the strengthening...

Co-creation during the innovation process has become an evolving research field which has seen a great deal of attention from both academics and practitioner. Although innovation literature is rife with the suggestions to leveraging social network to collaborate with consumers in new product development,...

This study aims to describe how the application of Talking Chips learning model to improve motivation and learning outcomes of basic culinary art students of SMK Negeri 8 Medan. This research type is Research development. It consists of four stages, namely the stage of planning, development, implementation...

Lecturer usually uses media in order to help students’ understanding about organic chemistry. In this research, the aim is to find out the ability and perception of students in learning by using media in the form of online and offline. The offline media we used was namely Spartan Student V6, and ChemAxon...

Most of the manufacturing industries produce similar components where the designer has to model similar products again and again which is not only time consuming but also introduces operator fatigue and reduction in the productivity of the designer. Different activities of the CAD division can be automated...

Idad and jihad are some of basic concepts that radical Islamic groups and terrorists including in Indonesia use to express their strategies in dealing with perceived threat toward outgroups. This study aims to examine how those concepts become basic arguments in doing military training and act of terror...

Marine and fisheries sectors are the important sector in Aceh Province where most of Acehnese depended on this sector for their livelihood. As the result, the existing big potential market on this sector need to be studied in order to know how the market being organize, especially fish that landed in...

From January to February in 2020, the outbreak of the new coronavirus shut down the sales offices of real estate enterprises, and brought the sales performance of real estate enterprises to a low ebb. Typical data such as development investment, new housing construction area, sales situation and funds...

Self-concept is a way of how we perceive ourselves in terms of physical or individual’s characteristics regarding the strengths and the weaknesses. Self-concept needs to be measured by an instrument that needs to be identified the reliability to measure the college student’s self-concept. Engineering...

As the city of dodol, Garut is also famous for its most excellent barbers. A lot of barbers in Indonesia originate from this city, precisely from a village called Kampung Parung, Banyuresmi Subdistrict. After finishing high schools, most teenagers from the village go to big cities to start barbershop...

The number of health institutions causes them to improve the quality of services provided, so that, the satisfaction of the patient is high and the loyalty of the patient is increased. One of the health institutions in the campus is the Medical Center ITS. Medical Center ITS is a health institution intended...

COVID-19 Epidemic broke out in 2020. Online teaching was adopted by teachers. Due to the change of teaching mode, the teaching design should be changed accordingly. Online teaching during the epidemic was a kind of distance teaching which used more teaching methods and platforms than MOOC and SPOC. Three...

The performance of multinational organizations is based on their strategic objectives. Global dynamics and trends prompt companies to develop effective expansion approaches to other countries. The achievement of these strategies is evaluated by several aspects, including the financial indicators. Currently,...

The article addresses the issue of the quality education provided by the teaching staff members at higher education institutions (HEIs) in Ukraine during the COVID 19 lockdown. It is a comparative study based on the survey conducted by the State Service for the Quality of Education in Ukraine that explained...

The aim of this paper is to study the formation of delta standing wave for a scalar conservation law with a linear flux function involving discontinuous coefficients. In order to deal with it, we approximate the discontinuous coefficients by piecewise affine ones and then apply the method of characteristics...

In the new era, the dreams and beliefs of college students are related to the future of the country and the destiny of the nation, which also concern the future direction of socialist China. How to educate and guide young college students to establish and persist correct and sublime thoughts and beliefs...

Coastal communities are among the most vulnerable to environmental hazards caused by climate change, resource exploitation, and declining ecological resilience. Strengthening disaster mitigation education at an early age is therefore crucial for building long-term community preparedness and sustainability....

The digital transformation in Indonesia has led to the rapid development of online transportation services, significantly affecting how people interact with transportation systems in urban environments. This study aimed to analyze the influence of price, ease of use, service quality, and brand image...

With the continuous advancement of artificial intelligence technology, its application in the field of legal education is becoming increasingly widespread, bringing innovation to traditional education models and teaching methods. Starting from the current status of legal education and a basic overview...

A happiness index is a metric that aims to measure the overall well-being and happiness of individuals within a population. The aim of this study is to explore how farmers’ happiness index and quality of life can be influence by farmers’ education background and flock size. The sample consisted of 100...

As an essential place for teaching practice and scientific research in universities, how to reasonably allocate the resources of laboratories is a problem that every university needs to consider. The characteristic of modular teaching that emphasizes the combination of theory and practice has improved...

This study addresses how environmental concerns affect the willingness of customers to pay more for green products. A quantitative approach with a survey was used to gather the data. This study results show that only loyal customers with environmental concerns have the willingness to pay more for green...

The European Commission’s GreenComp (2022) document highlights the urgent need for educational frameworks that integrate cross-curricular sustainability competencies across all disciplines. Through a critical analysis of two European policy documents guiding educational practice in the field of sustainability,...

The banking industry is essential to the economic growth of a nation. When evaluating a company's performance, the stock price is a crucial metric that investors must take into account before making an investment. The rise in share prices, which is subject to several influences, reflects the increase...

This study aims to determine how the National Board for Disaster Management and the National Search and Rescue Agency handle natural disasters during the COVID-19 pandemic through social media Twitter. This study uses NVIVO 12 plus for analyzing data using chart, cluster, and word frequency analysis....

The most critical ethical and social challenges to solve during the 21st century arise from misinformation that spreads through digital media. The development of artificial intelligence (AI) technologies brings new methods for identifying and preventing misinformation while transforming content creation,...

We revisit an integrable (indeed, superintegrable and solvable) many-body model itroduced almost two decades ago by Gibbons and Hermsen and by Wojciechowski, and we modify it so that its generic solutions are all isochronous (namely, completely periodic with fixed period). We then show how this model...