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The First Android Based Sharia Fintech Innovation in Indonesia to Increase Inclusive and Literate on Society’s Finance Suhartono Suhartono; Juniato Sidauruk; Octa Pratama Putra; Syamsul Bahri; Martias Martias; Aan `Rahman; Abdul Hamid; Lukman Hakim; Indria Widyastuti; Badurrachman Abdurrachman; Ninuk Riesmiyantiningtias; Rizky Amalia; Indra Chaidir
International Journal of Emerging Issues in Islamic Studies Vol. 1 No. 2 (2021): December 2021
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijeiis.v1i2.703

Abstract

Technology has become the part of today’s people life. Then, it is actually close to the application of it. Absolutely, it has example; such as the electricity for having more sophisticated in financial technology (Fin-Tech). The simplicity and speed of this technology have led people to adopt it in everyday’s life. One of the innovations in developing business and the economy, especially in the banking sector, is currently to develop Fintech (Financial Technology) which is able to facilitate all types of buying and selling transactions, investments and fundraising. Next, the purpose of this study is to explain and provide an understanding of the technical, procedures and benefits of the application, it is called Sharia FinTech. Then, it is also to contribute to the literature on the capacity of the latest technological and non-technological innovations. The research method used is descriptive research method with a qualitative approach. It is to describe and explore the phenomena in the form of engineering human innovation in the financial technology industry. It is done by taking into account the characteristics, quality, and interrelationships between activities It has several aspects; they are: conducting the observation, having an interview session, creating the documentation, and the last one is doing the Literature review. The result of this study is to increase the knowledge, skills and confidence of the community in managing personal finances to be better and to provide access to be having convenient and accountable financial services. Afterwards, this study linits on explaining and providing an understanding of the technical, procedure and benefits of Sharia Fintech for all people in need. Thence, the limitation of the research only discusses the role of Islamic Fintech in increasing the public financial inclusion and literacy. As for the the next researchers, they can be even wider by adding the collaboration of fintech and the banking world. The novelty of this research is the use of the android application as a digital platform in financial inclusion and literacy.
Decoding the 'Bad Guy': Implementing the V.O.I.C.E. Framework in Analyzing Contemporary English Song Lyrics Octa Pratama Putra; Zubairu Sani Abdulkadir; Sri Dewi Anggraini
Wanastra: Jurnal Bahasa dan Sastra Vol. 18 No. 1 (2026): March
Publisher : LPPM Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/wanastra.v18i1.12280

Abstract

The rapid evolution of contemporary popular music has transformed songs into complex multimodal texts that often pose challenges for traditional linguistic and literary analysis. This study introduces the V.O.I.C.E framework a simplified, analytical tool to decode the multi-layered meanings of Billie Eilish’s global hit, ‘Bad Guy’. Utilizing a qualitative descriptive method grounded in Multimodal Discourse Analysis (MDA), the research examines the song through five interconnected pillars: Vocal performance, production Originality, Identity construction, Cultural circulation, and Emotional resonance. The findings reveal that ‘Bad Guy’ achieves its subversive impact by deconstructing traditional pop tropes through ASMR-like whispered vocals, minimalist ‘bedroom’ production aesthetics, and the construction of an ‘anti-hero’ persona that challenges conventional gender roles. Furthermore, the study demonstrates that the V.O.I.C.E strategy effectively bridges the gap between complex semiotic theories and practical interpretation, providing a structured yet flexible roadmap for researchers and educators. Ultimately, this research highlights a shift toward ‘New Authenticity’ in English discourse, where sonic textures and digital cultural circulation are as significant as textual content in shaping contemporary identity and global resonance.
An English-Based Organizational Acronym Strategy to Enhance Meeting Management in Student Organizations: A Case Study Ali Mohammed Saleh Al-Hamzi; Nurmala Dewi; Tati Mardewi; Furi Indriyani; Octa Pratama Putra
Wanastra: Jurnal Bahasa dan Sastra Vol. 18 No. 2 (2026): September (Inpress)
Publisher : LPPM Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/wanastra.v18i2.12589

Abstract

While mnemonic devices are widely used in educational contexts for enhancing cognitive retention, their socio-cognitive utility and structural paradoxes within organizational governance remain under-researched. This study investigates how English-based acronym strategies influence meeting management and executive behaviors among student organization leaders. Grounded in a qualitative research design, this study examines the experiential accounts of eight student leaders serving on students’s affair of the university. Data collection was conducted through in-depth semi-structured interviews, which were subsequently analyzed using an iterative thematic approach combined with conceptual lenses from applied linguistics and cognitive scaffolding. The findings reveal a compelling dualistic phenomenon. On one hand, English-based acronyms (e.g., L.E.A.D.E.R.S.H.I.P., M.A.N.A.G.E.M.E.N.T., M.A.S.T.E.R.) operate as effective cognitive scaffolds and regulatory anchors that minimize the cognitive load, stabilize conversational trajectories, and arrest discursive drift during complex deliberations. On the other hand, a critical alternative interpretation uncovers a distinct structural paradox: the efficacy of these frameworks is inversely proportional to their structural density. Extensive, high-density acronyms risk inducing operational rigidity and cognitive dependency, inadvertently transforming fluid democratic dialogues into procedural checklists or sites of discursive policing. Furthermore, shorter formulas to maximize real-time agility but face the risk of superficial ritualization, where participants perform compliance linguistically while deep-seated behavioral habits remain unaltered. This study concludes that acronym-based organizational strategies exist in a permanent tension between artificial linguistic order and organic communicative spontaneity. It implies that student executives must deploy these devices as flexible conceptual anchors rather than rigid procedural mandates to safeguard institutional resilience.