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All Journal Jurnal Bisnis dan Ekonomi Jurnal Manajemen Atma Jaya Jurnal Mirai Management Jurnal Ius Constituendum J-MAS (Jurnal Manajemen dan Sains) SEIKO : Journal of Management & Business YUSTISI EQIEN - JURNAL EKONOMI DAN BISNIS YUME : Journal of Management BILANCIA JURNAL USM LAW REVIEW Yustisi: Jurnal Hukum dan Hukum Islam Jurnal Manajemen Jurnal Pengabdian Multidisiplin Indonesian Management and Accounting Research Jurnal Hukum dan Sosial Politik Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora (JURRISH) Eksekusi: Jurnal Ilmu Hukum dan Administrasi Negara Jurnal Ilmiah Research Student Mandub: Jurnal Politik, Sosial, Hukum dan Humaniora Al-Zayn: Jurnal Ilmu Sosial & Hukum Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JURNAL ILMIAH PENELITIAN MAHASISWA LEX et ORDO Journal of Ekonomics, Finance, and Management Studies Bilancia : Jurnal Studi Ilmu Syariah dan Hukum Jurnal Pengabdian Hukum Indonesia
Ali Maskur
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Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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INTERGENERATIONAL INSIGHT OF FRAUD INTENTION IN DIGITAL BANKING: WHAT MAKES CUSTOMERS GO ROGUE? Ali Maskur; Santoso, Ignatius Hari
Jurnal Manajemen Vol. 22 No. 2 (2025): Jurnal Manajemen
Publisher : Fakultas Ekonomi dan Bisnis Universitas Katolik Indonesia Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25170/jm.v22i2.6735

Abstract

This study investigates the factors influencing customers' intention to commit fraud in the context of mandatory digital banking, with a focus on intergenerational differences between Generation Y and Millennials. Guided by the Fraud Triangle Theory, the research explores how perceived opportunity, financial pressure, and rationalization contribute to fraud intention. A mixed-method approach was employed, beginning with in-depth qualitative interviews followed by a quantitative survey of 100 digital banking users in Indonesia. The constructions were validated through factor analysis, and the model was tested using Partial Least Squares (PLS-SEM). The findings reveal that perceived opportunity and rationalization significantly influence fraud intention, while financial pressure does not. Furthermore, generational differences do not moderate the relationships between the predictors and fraud intention. These results highlight the importance of improving digital system integrity and addressing ethical rationalizations to prevent fraud. The study contributes to a deeper understanding of consumer-initiated financial fraud in the digital age and suggests avenues for more targeted fraud prevention strategies.
Strategies for Choosing Investments in Urban Family Financial Management towards of a sakinah family in Semarang City Ali Maskur; Khoirotin Nisa’; Munif Kolifah Sulistiyoningrum; Fajri Zulia Ramdhani; Nazar Nurdin; Najichah, Najichah
Indonesian Journal of Legal Community Engagement Vol. 8 No. 2 (2025): July-December, 2025
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jphi.v8i2.20627

Abstract

This study examines how the sakinah family criteria, which include a peaceful and prosperous family, are achieved. Specifically, it examines whether families have a strong economic foundation to meet their needs and plan. It explores the shifting thoughts, behaviors, and investment strategies of urban residents who work as factory workers, private employees, teachers, and civil servants. The research focuses on the transition from a rural lifestyle, characterized by communal patterns like patembayan (a type of community based on shared bonds), gotong royong (cooperation), and strong kinship, to an urban one that prioritizes association and individualism. The research was conducted in the Bukit Beringin Timur residential area in Semarang City. The neighborhood’s location, surrounded by new industrial areas (Candi, Wijaya Kusuma, and Bukit Semarang Baru), reinforces this trend of individualism. The researchers employed the Asset-Based Community Development (ABCD) method to help the community understand its internal conditions and the potential for change. It was discovered that the shift from seasonal and agricultural income to consistent monthly salaries has fundamentally changed the mindset and behavior of urban communities. This is also reflected in their investment habits. Previously, investments were primarily focused on physical assets, such as agricultural land, plantations, and expensive gold jewelry. Now, residents are shifting to more accessible and affordable options, such as savings accounts, deposits, and gold bars, which can be paid in instalments. These new investments are primarily aimed at preparing for old age and retirement, rather than accumulating assets to be passed down to future generations.
Judicial Application of Actus Reus and Mens Rea In Village Fund Corruption Cases Aprilia Khoirun Nisa; Ali Maskur
Jurnal Ius Constituendum Vol. 11 No. 1 (2026): FEBRUARY
Publisher : Magister Hukum Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/jic.v11i1.12996

Abstract

Reus and Mens Rea In Village Fund Corruption Cases   Aprilia Khoirun Nisa, Ali Maskur  Faculty of Sharia and Law, Walisongo State Islamic University, Semarang, Indonesia apriliakhoirunnisa22@gmail.com   Abstract   This study examines the judicial application of actus reus and mens rea in village fund corruption cases, with a specific focus on Decision Number 2/Pid.Sus-TPK/2024/PN Smg involving a village head in Blora Regency. The persistence of corruption at the village governance level highlights the need for doctrinal consistency between judicial reasoning and classical principles of criminal liability. Using a normative juridical method with statutory, case, and conceptual approaches, this research analyzes how the court established the outward unlawful conduct (actus reus) through proven abuse of authority, manipulation of village financial administration, and resulting state financial losses, as well as how it inferred the inward culpable intent (mens rea) from deliberate and systematic misuse of public funds. The findings demonstrate that the judge’s reasoning substantially aligns with Moeljatno’s theory, which emphasizes the unity between unlawful acts and moral blameworthiness as the foundation of criminal responsibility. The judgment also reflects formal compliance with Supreme Court Regulation Number 1 of 2020 on corruption sentencing guidelines, although its emphasis on nominal financial loss raises normative tension with the primacy of moral culpability in classical criminal law. The novelty of this study lies in its integrated doctrinal assessment that simultaneously evaluates actus reus, mens rea, causality, and sentencing considerations, thereby reaffirming the continued relevance of classical criminal law theory in contemporary corruption adjudication involving village funds.
Tinjauan Hukum dan HAM Terhadap Pungutan Liar Pembuatan Akta Kematian di Desa Keden Melinda; Ali Maskur
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 1 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i1.2997

Abstract

Penelitian pada artikel ini bertujuan untuk memaparkan analisis praktik pungutan liar di Desa Keden dalam persepektif hukum dan hak asasi manusia (HAM). Penelitian ini berfokus pada dua pokok permasalahan, yaitu: bagaimana bentuk dan faktor yang menyebabkan terjadinya pungutan liar, dan bagaimana dampak yang terjadi terhadap masyarakat dalam mendapatkan perlindungan. Pada penelitian ini menggunakan penelitian yuridis normatif, dengan sumber perundang-undangan dan konseptual, dilengkapi dengan data wawancara serta studi kepustakaan. Hasil dari penelitian yang dilakukan menunjukkan bahwa praktik pungutan liar yang terjadi di Desa Keden bertentangan dengan prinsip negara hukum. terkhusus pada asas kepastian hukum serta perlindungan hak warga negara. Pungutan liar bukan hanya sekedar merugikan ekonomi masyarakat, akan tetapi juga menyebabkan rasa ketidakadilan serta pelanggaran atas hak aman dan keadilan sosial. Kesimpulan dari penelitian ini untuk meyakinkan perlu adanya pengawasan yang lebih ketat oleh pemerintah daerah serta aparat penegak hukum, dan pendampingan masyarakat supaya berani menolak serta malaporkan kasus praktek pungutan liar.
Kritik, Kebebasan Berpendapat, dan Batas Hukum Ujaran Kebencian: (Studi Kasus Sengketa Verbal terhadap Shin Tae-yong) Danang Kusuma Wardana; Ali Maskur
Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora Vol. 5 No. 2 (2026): JURRISH: Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrish.v5i2.7550

Abstract

This study examines the dynamics of public criticism of Shin Tae-yong's dismissal by PSSI as a phenomenon of digital communication that shows the tension between freedom of expression and the legal limits of hate speech. The background of this research stems from the intensity of netizens' reactions, which developed into collective moral pressure and had the potential to enter the realm of insults and hostility, as reflected in various comments, news reports, and verbal disputes involving public figures. This study aims to analyze how criticism, media framing, and netizen responses interact with the regulations of the ITE Law, particularly Article 28 paragraph (2), which is often used in reporting hate speech. The methods used are a normative juridical approach and case studies with document analysis, news reports, and academic literature techniques to identify patterns of digital expression and their legal relevance. The results of the study show that public criticism of Shin Tae-yong not only reflects performance evaluation, but also contains emotional, social identity, and moral dimensions that are reinforced by media framing and digital culture. The discussion confirms that the shift from criticism to hate speech occurs when public expression is not managed ethically, while law enforcement on hate speech articles still faces interpretation problems. In conclusion, this verbal dispute reflects the complexity of Indonesia's digital democracy and the urgency of legal reform
Pengaruh Perceived Price, Digital Marketing, dan Positive Word of Mouth Terhadap Keputusan Pembelian Produk Herborist di Stuffbyms Kota Semarang Saccidananda Octyangelin Santosa; Ali Maskur
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 5 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i5.7202

Abstract

The purpose of this study is to analyze how consumer behavior at the Stuffbyms skincare store in Semarang City is influenced by Perceived Price, Digital Marketing, and Positive Word of Mouth. The sample in this study were social media followers of Herborist at Stuffbyms skincare shop in Semarang City using purposive sampling technique and distributing questionnaires via social media. Some tests were carried out using spss version 26. This matter is included in the validity, reliability, F test, coefficient of determination (R2), and t test for data analysis. The results of the study according to statistics show that Perceived Price has a significance level of 0.003, Digital Marketing has a significance level of 0.001, and Positive Word of Mouth has a significance level of 0.005. All of these factors as a whole have a positive and significant effect on purchasing decisions for Herborist products.
Co-Authors Ahmad Imam Nurhidayat Aisyah Salsabila Alya Nabila Adistia Alya Nur Fitriana Anisatuzzuhriya, Yunita Aprilia Khoirun Nisa Aquinia, Ajeng Arina Hukmu Adila Asrul Pratama Bangkit Kartika Siwi Danang Kusuma Wardana Daud Rismana Elinda Novita Dewi Euis Soliha Fajri Zulia Ramdhani Fariza Shegi Pratama Fitri, Rifi Maria Laila Ilyas Gunantha Indra Purwanto Irwanto Irwanto Jihan Usamah Bin Abbas Khoirotin Nisa’ Leonardo Karel Hurulean Maulida Ayu Ardiyana Melinda Muhammad Alvian Yudistira Chandra Chaerudin Mulyo Budi Setiawan Munif Kolifah Sulistiyoningrum Najichah, Najichah Nazar Nurdin Niels Sohilat Saccidananda Octyangelin Santosa Santoso, Ignatius Hari Sinta Rosita Sari Sinta Yuliana Syamsiar, Syamsiar Ulfi Setiyani Via Yunita Widya Mayang Yuninda