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All Journal Jurnal Pembangunan Wilayah dan Kota Jurnal Penelitian Agama Jurnal KOMUNIKA Jurnal English Education: Jurnal Tadris Bahasa Inggris Justitia Al-Adzka: Jurnal Ilmiah Pendidikan Guru Madrasah Ibtidaiyah PALASTREN YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam Jurnal Dinamika Hukum JURNAL PENELITIAN KEISLAMAN MUSTEK ANIM HA JURNAL ILMU MANAJEMEN DAN BISNIS Al-Ihkam: Jurnal Hukum dan Pranata Sosial Jurnal Pengabdian Kepada Masyarakat (Indonesian Journal of Community Engagement) Jurnal IUS (Kajian Hukum dan Keadilan) Jurnal Rekayasa Mesin JITEK (Jurnal Ilmiah Teknosains) Jurnal Penelitian Pembelajaran Fisika Jurnal Ilmiah KOMPUTASI Sriwijaya Law Review IJIET (International Journal of Indonesian Education and Teaching) Sinkron : Jurnal dan Penelitian Teknik Informatika QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama Jurnal Abdimas BSI: Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah Hukum LEGALITY Indonesian Journal of Science and Mathematics Education Indonesian Journal of Islamic Educational Management Biosfer: Jurnal Pendidikan Biologi Jurnal SOLMA DUNAMIS: Jurnal Teologi dan Pendidikan Kristiani Jurnal AUDI DE LEGA LATA: Jurnal Ilmu Hukum JOURNAL OF APPLIED INFORMATICS AND COMPUTING Al-'Adl Humani (Hukum dan Masyarakat Madani) Jurnal Teknoinfo Jurnal Delima Harapan Jurnal Pendidikan Ekonomi (JURKAMI) Jurnal Ilmiah Media Sisfo International Journal of Elementary Education Evangelikal: Jurnal Teologi Injili dan Pembinaan Warga Jemaat JOURNAL OF PRIVATE AND COMMERCIAL LAW JURNAL MERCATORIA Unes Law Review Jurnal Review Pendidikan dan Pengajaran (JRPP) Pena Justisia: Media Komunikasi dan Kajian Hukum Jurnal Kridatama Sains dan Teknologi LISAN AL-HAL: Jurnal Pengembangan Pemikiran dan Kebudayaan Wayang Nusantara: Journal of Puppetry Dinasti International Journal of Management Science Journal of Innovation and Future Technology (IFTECH) JAZ: Jurnal Akuntansi Unihaz Khazanah Hukum Community Engagement and Emergence Journal (CEEJ) Proceedings of Annual Conference for Muslim Scholars Dinasti International Journal of Digital Business Management Jurnal Nasional Pengelolaan Energi MigasZoom Borneo Journal of Medical Laboratory Technology Aspirasi : Jurnal Masalah-masalah Sosial Edunesia : jurnal Ilmiah Pendidikan Jurnal Agrinika : Jurnal Agroteknologi dan Agribisnis International Journal of Social Science and Religion (IJSSR) Corruptio Electrices : Jurnal Otomasi Kelistrikan dan Energi Terbarukan AR-RIAYAH : Jurnal Pendidikan Dasar FOUNDASIA The Digest: Journal of Jurisprudence and Legisprudence IJORER : International Journal of Recent Educational Research JoMMiT : Jurnal Multi Media dan IT JHCLS Akuntansi Bisnis & Manajemen (ABM) Journal of Religious and Socio-Cultural Jurnal Penelitian Inovatif Journal Of Academia In English Educations (JADEs) Al-Idzaah : Jurnal Dakwah dan Komunikasi Borneo Journal of Biology Education (BJBE) Journal of Education Research J-Intech (Journal of Information and Technology) Gurindam: Jurnal Bahasa dan Sastra Al-Khidmah Jurnal Pengabdian Masyarakat Education and Counseling Journal IBDA': Jurnal Kajian Islam dan Budaya Volksgeist: Jurnal Ilmu Hukum dan Konstitusi Smart Society: Community Service and Empowerment Journal JURIS (Jurnal Ilmiah Syariah) ETAM: Jurnal Pengabdian kepada Masyarakat Journal of Language, Literature, and Arts (JoLLA) Legal Protection for the Partnership Agreement Parties Digital Transformation Technology (Digitech) Supremasi Hukum: Jurnal Kajian Ilmu Hukum Al-Istinbath: Jurnal Hukum Islam Jurnal Pengabdian Masyarakat Teknologi Pertanian Innovative: Journal Of Social Science Research Sewagati Jurnal Mahasiswa Entrepreneur PMSDU Journal of Sustainable Development and Regulatory Issues Education Journal: Journal Educational Research and Development Indonesian Journal of Religious Land Journal Multidisiplin Pengabdian Kepada Masyarakat (M-PKM) Jurnal Inovasi Konstruksi SASI DECODING: Jurnal Mahasiswa KPI EULOGIA: Jurnal Teologi dan Pendidikan Kristiani Journal of Law and Legal Reform As-sunniyyah Edu Geography Komuniti: Jurnal Komunikasi dan Teknologi Informasi Seminar Nasional Riset dan Teknologi (SEMNAS RISTEK) Alamtana Prosiding Pengabdian Ekonomi dan Keuangan Syariah Jurnal Pendidikan dan Kebudayaan Journal of Education Technology and Inovation Prosiding SeNTIK STI&K Multi Discere Journal Educational Researcher Journal Lex Scientia Law Review JILS (Journal of Indonesian Legal Studies) ECONOMETRICS: Journal of Sustainable Economics and Management IJIS Edu : Indonesian Journal of Integrated Science Education Harmonia: Journal of Arts Research and Education Jurnal Informatika dan Rekayasa Perangkat Lunak Jurnal Lentera ICT
HARIYANTO HARIYANTO
Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto
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The Role and Authority of the Deputy Regional Head According to Islamic Principles within the Framework of Regional Government Law Hariyanto, Hariyanto; Mukhlis, Muhammad Mutawalli; Rismana, Daud
JURIS (Jurnal Ilmiah Syariah) Vol 24, No 1 (2025)
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/juris.v24i1.12678

Abstract

The position of the deputy regional head in Indonesia's regional government system is often unclear, particularly within constitutional and legal context. This ambiguity leads to inefficiencies and conflicts in governance. This study seeks to examine the role of the deputy regional head from the perspective of fiqh siyasah, addressing the legal uncertainties and suggesting ways to enhance their authority. Utilizing a normative juridical approach, this research draws on secondary data from legal documents, academic articles, and other pertinent sources. Data were gathered through a structured literature review, and qualitative analysis was conducted using juridical methods to create a descriptive narrative. The findings indicate that the authority of the deputy regional head is frequently overshadowed by the regional head, relegating their role to mostly ceremonial or minor administrative tasks. This disparity contradicts Islamic governance principles, which prioritize justice, consultation, and accountability. This study contributes to the field by proposing a Principle-Based Authorization Model aimed at redefining the deputy’s authority in a way that aligns with both Islamic values and contemporary governance requirements. This model is recommended as a foundation for legal and policy reforms to promote more effective and cohesive regional governance.
Metode Pengajaran Sejarah dan Tahapan Implementasinya dalam Perspektif Kisah Ashhabu Al-Kahfi Robati, Kisti; Hariyanto, Hariyanto
Journal of Education Research Vol. 6 No. 1 (2025)
Publisher : Perkumpulan Pengelola Jurnal PAUD Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37985/jer.v6i1.2325

Abstract

Sejarah harus menjadi solusi bagi masyarakat, dengan menjadikannya sebagai bahan pelajaran yang berhubungan nyata dengan kehidupan, sehingga sejarah itu hidup di masyarakat dalam bentuk nilai-nilai penting yang dapat diamalkan, oleh karena itu sejarah harus benar dari segi bahan ajar dan juga metode pengajarannya yang sesuai dengan konsep Islam, penelitian ini bertujuan untuk mendapatkan metode pengajaran sejarah dan tahapan implementasinya perspektif sejarah Ashhabu al-Kahfi, metode yang digunakan adalah metode kualitatif studi pustaka dengan mengkaji litelatur tafsir dan sumber lainnya yang mendukung, penelitian ini menyatakan bahwa dalam pengajaran sejarah dibutuhkan tiga tahapan, yaitu: pendahuluan, pengajaran dan penutupan, dalam pendahuluan disebutkan realita sejarah yang terjadi disertai pandangan yang benar tentang realita tersebut, dalam pengajaran sejarah diperlukan pemilihan sejarah yang sesuai dengan realita tersebut, selanjutnya sejarah disampaikan secara umum terlebih dahulu, kemudian secara terperinci, dengan menjadikan materi kognitif sejarah sebagai perantara untuk mencapai tujuan afektif dan psikomotorik, pengajaran ini menggunaka kata ganti yang bervariasi dengan mengikut sertakan pendidik dan peserta didik secara aktif di dalamnya, disela pengajaran tersebut, pengajar menekankan beberapa makna penting sejarah kepada peserta didik dan pendidik juga menyebutkan beberapa isu sejarah yang beredar beserta pandangan yang benar, dalam penutupan pelajaran sejarah disampaikan hal-hal inti dalam sejarah tersebut yang dapat diamalkan dalam kehidupan sehari-hari, yang berkaitan erat dengan realita yang telah disebutkan dalam pendahuluan  dan pembelajaran sejarah tersebut.
Learning seawater macroinvertebrates on Bama Beach, Indonesia, using the RCCDE model on students' cognitive abilities and collaboration skills Hikamah, Siti Roudlotul; Hariyadi, Slamet; Hariyanto, Hariyanto; Sudiarti, Diah; Muslim, Imam Bukhori
Biosfer: Jurnal Pendidikan Biologi Vol. 18 No. 1 (2025): Biosfer: Jurnal Pendidikan Biologi
Publisher : Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/biosferjpb.49942

Abstract

Abstract, this research aims to reveal students' cognitive abilities and collaboration skills by studying marine macroinvertebrates at Bama Beach, Baluran National Park, using the RCCDE learning model. The type of research is quasi-experimental, one group design. The independent variable of this research is the RCCDE learning model, and the dependent variables are cognitive ability and collaboration skills. Cognitive ability is measured with a test after the learning activities, using 25 multiple-choice questions, each scoring 4 points for a correct answer and 0 points for an incorrect answer. Collaboration skills are measured using observation, employing an observation sheet adapted from Greenstein, 2012. The data from this research were analyzed using MANOVA with the help of SPSS v25. The results of the simultaneous influence analysis between the RCCDE model on cognitive abilities and collaborative skills obtained a significance value of 0.000 (>0.05), which means there is a simultaneous influence between the RCCDE model on cognitive abilities and collaborative skills. The results of the partial influence analysis between the RCCDE model on cognitive abilities and collaborative skills obtained a significance value of 0.000 (>0.05). Thus, there is a simultaneous influence between the RCCDE model on cognitive abilities and collaborative skills and a partial influence between the RCCDE model on cognitive abilities. There is a partial influence between the RCCDE model on collaborative skills. This research informs that there is a significant influence on the learning of marine macroinvertebrates at Bama Beach, Indonesia, using the RCCDE model on students' cognitive abilities and collaboration skills.
ANALISIS MACHINE LEARNING UNTUK PREDIKSI PENYAKIT PARU-PARU MENGGUNAKAN RANDOM FOREST Christian, Ade; Hariyanto, Hariyanto; Yani, Ahmad; Sumanto, Sumanto
Journal of Innovation And Future Technology (IFTECH) Vol. 7 No. 1 (2025): Vol 7 No 1 (Februari 2025): Journal of Innovation and Future Technology (IFTECH
Publisher : LPPM Unbaja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47080/iftech.v7i1.3906

Abstract

Lung diseases, including COPD, lung cancer, and asthma, are serious global health issues, causing over seven million deaths annually. Advanced technologies, such as deep learning and the Random Forest algorithm, have been effectively utilized to detect and classify lung diseases from imaging data with high accuracy. This study aims to demonstrate the effectiveness of Random Forest in predicting lung diseases. The dataset used consists of 30,000 records with 11 attributes, collected from Kaggle and processed using Orange software version 3.36.2. The implementation of the Random Forest algorithm was conducted with 10 decision trees and six attributes considered at each split. The model was tested using Cross Validation with 10 folds. The testing results showed an AUC value of 0.993, indicating a very high level of accuracy. A confusion matrix was used to measure the model's performance through various metrics, including accuracy, precision, recall, F1-score, and AUC. This model achieved high accuracy, with ROC AUC values of 0.453 for predicting the presence of lung disease and 0.547 for predicting its absence. These results confirm that the Random Forest algorithm is an effective predictive tool for identifying lung diseases. This study makes a significant contribution to the development of more accurate and efficient diagnostic techniques, assisting medical professionals in identifying lung diseases in patients. With a deeper understanding of how this algorithm operates in the healthcare domain, it is expected to significantly enhance the quality of patient diagnosis and care.
TBLA Mastery of Mathematical Concepts through TPS (Think Pair Share) Learning Model Aided by Conversion Tool Games Hariyanto, Hariyanto; Utaminingsih, Sri; Santoso, Santoso
International Journal of Elementary Education Vol 4 No 3 (2020): August
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijee.v4i3.28516

Abstract

The level of understanding of mathematical concepts is still low due to the lack of application of learning models and media that can improve students' mastery of concepts. The purpose of this study was to reveal the construction pattern of mastery of mathematical concepts through the TPS learning model assisted by conversion tool games using Transcript Based Learning Analysis (TBLA). This study involved 28 students of grade 5. In this study, it was divided into 2 cycles, namely cycle 1 focused on the unit length conversion material while the cycle concentrated on the material addition and subtraction of length unit conversion. Activities in each cycle will be recorded via video or audio, then the recording will be used as a transcript of the learning dialogue then analyzed with the type of communication reson. In addition to transcript analysis in the last activity students are given a written exam through LKS (Student Work Sheet). This study obtained the results that in the first cycle the class average value reached 75.36, the second cycle the average value reached 78.93, and the graduation percentage value reached 82%. So it can be concluded that this research is related to the mastery of the concept of addition and reduction in the conversion of units of length which is successful
Regional Autonomy System: Delegation of Authority and Power of Regional Government in Indonesia in the Study of Fiqh Siyasah Mukhlis, Muhammad Mutawalli; Maskun, Maskun; Tajuddin, Muhammad Saleh; Aslan, Jamal; Hariyanto, Hariyanto; Samosir, Hotlan
AL-ISTINBATH : Jurnal Hukum Islam Vol 9 No 2 (2024)
Publisher : Institut Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jhi.v9i2.9709

Abstract

This research aims to find out the implementation of regional autonomy in Indonesia in general and also to find out about Fiqh Siyasah's view on the implementation of regional autonomy in Indonesia. A qualitative approach was used in conducting this research and data was obtained through relevant literature studies. The result, Islam provides space for ijtihad in the area of ​​siyasah or state politics provided that it is done to achieve the goals of benefit and justice as well as the welfare of the general public. One of the things related to the siyasah area is related to the implementation of regional autonomy in Indonesia. Basically, the provision of regional autonomy in Indonesia is a space to provide opportunities for each region in this country to explore and develop the potential of each region in order to provide prosperity for regional communities. The conclusion, this article highlights the importance of local government autonomy within a federal structure to encourage grassroots democracy and self-governance. Islamic law does not have specific rules regarding regional autonomy, and this concept emerged during the reform era to promote justice and prosperity. However, Islam still acknowledges the concept of baldatun thayyibatun, which is based on the Qur'an and the Sunnah of the Prophet.
PERAN DISIPLIN KERJA PENDIDIKAN DAN KOMITMEN TERHADAP KINERJA PERANGKAT DESA DENGAN KEPUASAN KERJA SEBAGAI VARIABEL INTERVENNING (Studi Kasus di Desa Laprak, Desa Sumbersuko, Desa Pandak dan Desa Klampokan Kecamatan Klabang Kabupaten Bondowoso) Hariyanto, Hariyanto; Sari, Lita Permata; Fandiyanto, Randika
Jurnal Mahasiswa Entrepreneurship (JME) Vol 4 No 2 (2025): FEBRUARI 2025
Publisher : Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/jme.v4i2.6266

Abstract

The aim of this research is to analyze the influence of variablesThe Role of Educational Work Discipline and Commitment to the Performance of Village Officials with Job Satisfaction as an Intervening Variable (Case Study in Leprak Village, Sumbersuko Village, Pandak Village, and Klampokan Village, Klabang District, Bondowoso Regency). By using the Partial Least Square (PLS) Structural equation model. Results of direct influence hypothesis testing using the Smart PLS 3.0 application. Work discipline has a significant positive effect on job satisfaction Education has a significant positive effect on job satisfaction, Commitment has a significant positive effect on job satisfaction, Work discipline has a significant positive effect on performance, Education positive but not significant effect on Performance, Commitment has a significant positive effect on Performance, Job satisfaction has a positive but not significant effect on Performance, Work discipline has a positive but not significant effect on Performance through Job Satisfaction, Education has a positive but not significant effect on Performance through Job Satisfaction, and Commitment has a positive but not significant effect on Performance through Job Satisfaction.
Peningkatan Pengetahuan Mitigasi Bencana Tanah Longsor Berbantu Media Video Melalui Pembelajaran Geografi di SMA Afkar, Afkar Jihad Al-afghani; Juhadi, Juhadi; Setyowati, Dewi Liesnoor; Hariyanto, Hariyanto
Journal of Edugeography Vol. 12 No. 3 (2024): VOL 12 NO 3 (2024)
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/qhq5fa56

Abstract

Penelitian ini bertujuan untuk meningkatkan pengetahuan tentang mitigasi bencana tanah longsor pada siswa SMA menggunakan media video pembelajaran, serta menganalisis efektivitas penggunaan media video pembelajaran terhadap pembelajaran geografi di SMA. Penelitian ini menggunakan pendekatan penelitian Pre–Eksperimental dengan desain penelitian adalah one group pretest-posttest design. Populasi dalam penelitian ini adalah seluruh kelas XI IPS SMAI Al-Azhar 14 Semarang. Penentuan sampel menggunakan teknik total sampling. Teknik pengumpulan data yang digunakan meliputi angket, observasi, tes, dan dokumentasi. Hasil penelitian menunjukkan bahwa 1) Perancangan media video pembelajaran dengan dua tahapan yaitu tahap pengembangan desain prototipe serta pengumpulan alat & bahan, dan tahap pembuatan media. 2) Keterlaksanaan pembelajaran mitigasi tanah longsor menggunakan media video memperoleh skor 84,62% termasuk kriteria baik. 3) Keberterimaan media menurut ahli materi memperoleh nilai 80%. Sementara penilaian menurut ahli media dan praktisi memperoleh masing-masing nilai sebesar 87% dan 88% yang dimaknai media sangat layak dengan beberapa komentar tambahan. 4) Efektivitas media video pada indikator evaluasi pembelajaran memperoleh nilai N-gain sebesar 0,56 yang dimaknai efektivitas media cukup baik dan pada indikator respon siswa memperoleh nilai sebesar 85% yang dimaknai media video sangat baik dalam menjelaskan konsep bencana tanah longsor bagi siswa SMA.
Pengaruh Model Kooperatif Tipe Kancing Gemerincing (Jingle Button) terhadap Keterampilan Berbicara dan Hasil Belajar Kimia Siswa SMA Romundza, Febbry; Hariyanto, Hariyanto; Sanova, Aulia
Multi Discere Journal Vol. 3 No. 1 (2024): May
Publisher : LITPAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/mj.v3i1.2234

Abstract

Penelitian ini bertujuan untuk menguji efektivitas model kooperatif tipe kancing gemerincing (jingle button) dalam meningkatkan keterampilan berbicara dan hasil belajar kimia siswa. Penelitian ini menggunakan desain quasi-experimental dengan dua kelompok, yaitu kelompok eksperimen yang diajar menggunakan model kooperatif kancing gemerincing dan kelompok kontrol dengan metode ekspositori. Analisis data dilakukan dengan uji-t dan analisis deskriptif untuk menguji perbedaan antara kelompok eksperimen dan kontrol. Hasil penelitian menunjukkan bahwa siswa di kelas eksperimen mengalami peningkatan signifikan dalam keterampilan berbicara, dengan rata-rata nilai mencapai 66,3%, dibandingkan dengan kelas kontrol yang hanya 59,4%. Nilai posttest hasil belajar kognitif di kelas eksperimen juga lebih tinggi (85,29) dibandingkan dengan kelas kontrol (72,93), dan ketuntasan belajar klasikal di kelas eksperimen mencapai 96,7% dibandingkan dengan 48,5% di kelas kontrol. Temuan ini mengindikasikan bahwa model kooperatif kancing gemerincing efektif dalam meningkatkan keterampilan berbicara siswa dan pemahaman konsep kimia yang abstrak, sehingga model ini dapat menjadi strategi pembelajaran yang berguna untuk meningkatkan partisipasi aktif siswa dan kualitas pemahaman mereka dalam materi kimia. The Effect of the Cooperative Learning Model Jingle Button on High School Students' Speaking Skills and Chemistry Learning Outcomes  Abstract This study aimed to evaluate the effectiveness of the Jingle Button cooperative learning model in enhancing students' speaking skills and chemistry learning outcomes. This research employed a quasi-experimental design with two groups: an experimental group taught using the Jingle Button model and a control group taught using the expository method. Data analysis was conducted using t-tests and descriptive analysis to assess differences between the experimental and control groups. The findings show that students in the experimental group experienced a significant increase in speaking skills, with an average score of 66.3%, compared to 59.4% in the control group. The post-test cognitive learning outcomes in the experimental group were also higher (85.29) than in the control group (72.93), with the experimental group achieving a class-wide learning mastery of 96.7% compared to 48.5% in the control group. These findings indicate that the Jingle Button cooperative model is effective in enhancing students’ speaking skills and understanding of abstract chemistry concepts, making this model a useful teaching strategy for improving active participation and the quality of students’ understanding in chemistry.
The Influence of Fintech on the National Security System: Law, Economic Potential and Digital Defense Strategy Djoyonegoro, Ngasiman; Harisudin, Muhammad Noor; Hariyanto, Hariyanto
SASI Volume 31 Issue 2, June 2025
Publisher : Faculty of Law, Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47268/sasi.v31i2.2244

Abstract

Introduction: Fintech has emerged as a transformative force in the financial sector, bringing significant changes encompassing economic potential and challenges to national security strategies.Purposes of the Research: This research wants to explore the efforts that have been made by countries in dealing with the impact of Fintech on security.Methods of the Research: This research uses a qualitative method with a descriptive analysis approach. This research focuses on qualitative methods and is researched to see the extent of the challenges posed by fintech to the country's resilience systemResults of the Research: The increasing adoption of Fintech also presents challenges to national security digital defense strategies. Threats to data security, cyberattacks, and misuse of financial technology can jeopardize national financial infrastructure, threaten the stability of the financial system, and pose risks to national security. Thus, concerted efforts from governments, financial institutions, and Fintech companies are required to enhance digital defense. Governments need to implement stringent regulations to safeguard Fintech user data and privacy and closely supervise Fintech operations to mitigate the risks of financial technology misuse. Collaboration between governments, financial institutions, and Fintech companies in sharing security intelligence is essential to tackle increasingly complex and organized threats. Additionally, investing in advanced security technology, raising user awareness about security, and strengthening oversight of critical infrastructure are crucial steps in digital defense strategies. Fintech has exerted significant influence on national security, offering vast economic potential while presenting intricate challenges to digital defense strategies. Acknowledging both the potential and challenges, governments and stakeholders must collaborate to create a secure, reliable, and sustainable Fintech ecosystem that fosters economic progress and bolsters overall national security.
Co-Authors Abdul Aziz Abdul Aziz Nasihuddin Abdul Rokhim Abdul Wahid Abung, Miranda Ade Christian, Ade ADELIA Adi Supriyatna Adiastuti, Siti Adjat Sudradjat Adnan, Andi Astinah Afkar, Afkar Jihad Al-afghani Agus Bahtiyar, Muhammad Rifal Agus Rahayu Ahmad Jurnaidi Wahidin ahmad yani Ahmad Zamzuri Ahmad Zayyadi, Ahmad Ahmat Saiful Akhmal, Akhwanul Al Farisi, Al Farisi Ali Maskur Alif Luthvi Azizah Amanati, Dwi Wahyu Aminuyati Amita Sri Devi, Amita Sri Ananto Aji, Ananto Andayani, Lies Andriyono Andriyono, Andriyono Andronias Siregar Andyanita Hanif Hermawati Anggiyanti, Ismi Maulina Annas Firman Ansharullah Ansharullah Ansori, Mohammad Apriliyani, Resti Ardiana Hanatan Arief Wibowo Arief, Mohammad Yahya Arifin, Fakhrur Rozi Aris Wahyu Kuncoro Arrazi, Muhammad Farisian Aslan, Jamal Astiti, Niken Yuni Atmaja, I Wayan Wesa Aulia Sanova Aulia, Risma Nurul Azizah, Mabarroh Azizah, Nur Dita Azzahidah, Mutammimatul 'Abidah Azzahro, Fathimah Bibit Sudarsono Cahyariza, Nosa Ika Candra Agus Wahyudhi Daniel Parenden, Daniel Darma, Widia Daud Rismana Dessy Wahyuni Destini, Frida Dewanto Sukistono Dewi Liesnoor Setyowati Dharma, Anggi Surya Diah Sudiarti Dian Permata Sari Djoyonegoro, Ngasiman Djunu, Sri Suryaningsih Donda, Donda Donny Oktavian Syah Dudiarti, Diah Dwi Budi Santoso Dwi Kristanto Dwi Kurniawan, Muchlas Adi Dwiono, Rija Dyan Yuliana Edy Kustiani Ema Mar’ati Sholecha Emyus, A.Zaky Endra Priawasana Eppang, Paulus Erni Erni Fadillah, Nor Fadlan Sejati, Herlambang Fadzil, Rozlinda Mohamed Fahris, Syaiful Fahrudin Hanafi, Fahrudin Fahrul Ilham Faisal Husni, Akhmad Faizin, Ali Nur Fandiyanto, Randika Ferdian Eka Ramadhan, Muhammad Firatama, Aditya Dandy Firayanti, Yuni Firdausi , M.Imam Firdausi, M.Imam Fitriyah Fitriyah Ginting, Manan Gunarhadi Gunarhadi, Gunarhadi Hadi Hadi Hadi Senen, Samsul Hakimi, Abdul Rahim Halil, Mohamad Handini , Witri Hanif Fudin Harisudin, Muhammad Noor Hariyanto, Arif Hariz, Hajar Salamah Salsabila Herayati, Herayati Hikamah, Siti Roudlotul Hikmawan, Oksya Hotlan Samosir Hutajulu, Poltak Evencus Ibnudin Ibnudin, Ibnudin Ichwanul Muslim Karo Karo Ida Lestari Idamatussilmi, Idamatussilmi Imam Asmarudin Intan Safitri, Intan Isnaeni, Diyan Isnania Isnania Iyer, Puneet Izzatika, Amrina Jahra, Pati Matu Joko Nurkamto Joko Suryono Juhadi Juhadi kadar pamuji Karo karo, Justaman Arifin Kartika, Monika Umi Kasmawati, Yuni Khadri, Moh. Kholiq, Achmad Khomaeni Hayatullah, Imam Koen Hendrawan Kumalasari, Dwi Kurnia R, Rina Kusumastuti, Sri Lestari Kuswandi Kuswandi Laili, Intan Ayu Nur Latif, Adam Lesmana, Sata Lili Adi Wibowo Lita Permata Sari Loliyana Loliyana Lukman Hanafi M. Fajar Nurwildani Mabarroh Azizah Maimunah, Maimunah Malik A, M. Abdul Mar'an, Desy Awal Marbun, New Vita Mey Dessty Mardani Mardani Marhamah Marhamah Marini . Marlin, Resty Haffy Maskun Masta'in, Masta'in Maulidna, Maulidna Meidina, Ahmad Rezy Meinarti, Seli Miftahul Falah mirajhusnita, Isradias Mirnandaulia, Meutia Mochamad Nandi Susila Moh. Ramin Mourtadhoi, Abdallah Muh. Rusdi Muhamad Rusdi Muhammad Bahrul Ulum Muhammad fauzan Muhammad Fauzan Muhammad Hamdan Muhammad Saleh Tajuddin Muhammad Zubair Mukhlis, Muhammad Mutawalli Muslim, Imam Bukhori Mussammil, Mussammil Mustaghfir, Adil Mustofa Mustofa Muzakki, Rizdam Firly Nasril, Nasril Nasruliyah Hikmatul , Maghfiroh Naval Ballesteros, Richard Nelly Astuti Nelza, Novia Nizlel Huda Norhaiden Unsil Nugraheni Hadiyanti Nunna, Bhanu Prakash Nur Putri Hidayah Nuralam Nuralam Syamsuddin Nurcahyo, Agung Wilis Nurhayati, M Sinta Nurhidayatuloh Nurhidayatuloh, Nurhidayatuloh Nuri, Siti Anisa Nuriyah , Nuriyah Nuriyah, Nuriyah Nurwahidin, Muhammad Nurweni Saptawuryandari Oksep Adhayanto Pakpahan, Maruji Pardede, Erwin Pascalian Hadi Pradana Perdana, Dayu Rika Permonoputri, Rifi Maria Laila Fitri Prasetyo, Abdul Rahman Prastama, Hizkia Yustin Pratama, Dinar Rezky Pujiastuti, Lise Putra, Agung Dian Putri, Ayu Qinaroh Khoridatun Nafisah Putri, Nurdini Estika Rachmasari, Danvie Rachmiadji, Irwan Raden Mohamad Herdian Bhakti Rahma Hayati Ratna Dewi, Adik Agus Sri Rere, L.M.Rasdi Rini, Denik Ristya Riris Ardhanariswari Rispawati, Rispawati Robati, Kisti Rohmad, Arif Nur Rohman, Abdu Rohman, Mohammad Alfan Abdul Rokhayati, Erna Romundza, Febbry Roviqoh, Vella Ruhul Amin, Ruhul Rusdi Toyyib, Nurullah Sabdo, Sabdo Sadjidon Sadjidon Safarina, Sena Safira, Safira Said Said, Said Saim, Saim SANTOSO SANTOSO Santoso, Fatih Rizqi Saptono Putro Saputro, Mihardo Sariman, Farid Satito, Aryo Sejati, Herlambang Fadlan Sentot Kusairi Setiabudi, Arifin Setiadi, Arif Setiawan, Agung Hadi Setiawan, Sinta Ayu Seventeen, Winny Lian Shalihah, Fihtriatus Sheilla Yunika Sholeh , Muh Simanjuntak, Andreas Rumata Simanjuntak, Fernandes Ariadi Simanungkalit, Penni A Siregar, Emil Salim Parhimpunan Siregar, Sahat Siska Mega Diana Siswantari Pratiwi Sitepu, Evi Christiani Siti Kunarti Siti Nurjanah Slamet Hariyadi Soetarno Joyoatmojo, Soetarno Songidan, Junaidi Sri Utaminingsih Sri Yenny Pateda Subagiyo Subagiyo Sudirman Sudirman Sugianto Sugianto Sugiharto, Nur Aziz Sugihyono, Sugihyono Sugiono, Mohammad Cipto Suhandayati, Elviana Suharto Suharto Suhud Wahyudi Sukarti Sukarti Sumanto, Sumanto Sun'an, Siti Habiballah Sunny Arief Sudiro Suparmoko, Yuphi Handoko Suparyadi, Zakharia Suprap, Suprap Supriyadi Supriyadi Supyanto, Supyanto Susilo Swastika Dhesti Anggriani Syabuddin Gade Syaefulloh Syahruddin Syahruddin Syaichon, Rizqi Azam Syaputra, Abe Wisnu Syaugy, Muhammad Tahir, Muhlis Tantra, Manggala Wiriya Tarigan, Enda Rasilta Br. TB, Andi Tedi Sudrajat Tengku Rachmi Hidayani, Tengku Rachmi Tiofani, Stacy Tirto Suwondo TISNAWATI M.Kep Tri Kuat, Tri Tumbelaka-Wieland, Josephine Mariana Ummu Radiyah, Ummu Utami, Camelia Vanessa Gaffar Veithzal Rivai Zainal Ventianus Sarwoyo Wachju Subchan Wahid Akhsin Budi Nur Sidiq, Wahid Akhsin Budi Nur Wahidah, Bella Zulfia Aisyatul Wahyu Tri Astuti, Johan Walyono, Walyono Wijaya, Satria Aji Winanto, Oey Natanael Yoga Fernando Rizqi Yohanes Adhi Satiyoko Yudha Praja, Yudha Yunianto Yunianto Yusman, Nurjannah Yuspik, Yuspik Yusra Jamali Zakiyah, Ninik Zebua, Yaterorogo Zulfan, M. Dwi