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The Impact of Augmented Reality on Consumer Engagement and Brand Loyalty Tunnufus, Zakiyya; Arifian, Dini; Furniawan, Furniawan; Suharna, Dede; Pardosi, Pardomuan
Journal Markcount Finance Vol. 2 No. 2 (2024)
Publisher : Yayasan Pendidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jmf.v2i2.1287

In today's digital era, Augmented Reality (AR) technology is increasingly gaining attention as an innovative tool in marketing and consumer experience. AR offers interactive experiences that combine virtual elements with the real world, giving consumers new ways to interact with goods and brands. This study aims to determine how the use of augmented reality (AR) technology impacts consumer engagement and brand loyalty. Specifically, this research wants to know how interactive experiences with AR affect consumers' level of engagement with a brand and how much that engagement contributes to the formation of brand loyalty. This research was conducted using a quantitative approach and was designed as a survey. AR apps from various brands deploy questionnaires to collect data. The goal of this questionnaire is to measure consumer engagement, user experience with AR, and brand loyalty. Studies show that the use of augmented reality (AR) significantly increases consumer engagement with brands. Consumers say that interactive and immersive AR experiences make them more interested in the goods and brands. The study found that augmented reality (AR) technology increases consumer engagement and brand loyalty.

A Systematic Literature Review on Dividend Policy: Theories, Determinants, and Firm Outcomes Sulistyowati, Tussi; Anwar, Khairil; Pardosi, Pardomuan
eScience Humanity Journal Vol 5 No 2 (2025): eSience Humanity vol 5.2. May 2025
Publisher : Asosiasi Ide Bahasa Kepri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37296/esci.v5i2.261

This study conducted a qualitative systematic literature review (SLR) to critically evaluate recent research on dividend policy, focusing on publications from 2021 to 2025. Using the PRISMA guidelines, the review identified and organized literature into three key categories: theoretical foundations, determinants of dividend decisions, and the outcomes of dividend policy on firm performance. The study highlighted the use of major theories such as Agency Theory, the Cost of Equity Hypothesis, and Signaling Theory, which continue to shape the understanding of dividend behavior. It also examined various internal factors—such as profitability, liquidity, and corporate governance—and external influences, including macroeconomic conditions and Environmental, Social, and Governance (ESG) performance, as significant determinants of dividend decisions. The review found that dividend policies have a notable impact on firm profitability, market valuation, and investor perception, especially in periods of uncertainty. Additionally, the study recognized a growing interest in how ESG considerations influence payout strategies. Future research directions include exploring the integration of ESG metrics into dividend models, examining the role of economic cycles and financial crises (e.g., COVID-19), and assessing the implications of technological advancements and digital finance on dividend strategies and broader corporate governance frameworks.

THE INFLUENCE OF LDR AND NPL ON THE PROFITABILITY OF RURAL BANKS: A SYSTEMATIC LITERATURE REVIEW (2021–2025) Anwar, Khairil; Pardosi, Pardomuan; Sulistyowati, Tussi; Maia, Fonseca de Jesus; Setiawan, Ervan
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol 11 No 1 (2025): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah - Ag
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i1.1566

Profitability is a key indicator of the sustainability of Rural Banks (BPR), which play an important role in supporting local economies. This study systematically reviews the relationship between Loan to Deposit Ratio (LDR), Non-Performing Loans (NPL), and BPR profitability using a Systematic Literature Review (SLR) approach. Articles were selected from reputable international databases published between 2015 and 2024 based on topic relevance and empirical methodology. The findings reveal that LDR has a positive impact on profitability when managed proportionally, while NPL has a significant negative effect due to increased credit risk. Rural BPR face greater challenges compared to commercial banks because of limited asset diversification and dependence on micro-agricultural sectors. This study highlights the importance of risk management, adaptive regulation, and digitalization of banking services as strategies to enhance BPR performance, and provides theoretical and practical insights for policy and managerial development.

Filsafat Hukum Kritis atas Peran Hukum dalam Demonstrasi di Indonesia: Emansipasi atau Represi? Pardosi, Pardomuan; Anugrah Siregar, Wira; Triana, Yeni; Siswanto, Alen; Candra, Erikson H.; Feryanto Rahadian, Wiwid; Chandra Gunawan, Deddy
Indonesia of Journal Business Law Vol. 4 No. 2 (2025): IJBL - Artikel Riset Juli 2025
Publisher : Information Technology and Science (ITScience)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/ijbl.v4i2.6431

Latar belakang: Penegakan hukum terhadap demonstrasi di Indonesia dalam beberapa tahun terakhir menunjukkan pola represif yang bertentangan dengan semangat demokrasi. Hukum yang semestinya menjamin kebebasan berekspresi justru kerap dijadikan legitimasi kekuasaan untuk membungkam kritik. Penelitian ini bertujuan mengkaji secara filosofis peran hukum dalam praktik kekuasaan negara terhadap demonstrasi, serta menelaah apakah hukum berfungsi sebagai alat emansipasi atau dominasi. Metode penelitian: Penelitian ini menggunakan pendekatan kualitatif dan studi kepustakaan kritis, didukung oleh analisis wacana, interpretasi teks hukum, serta kajian atas kasus-kasus represif yang terjadi dalam rentang tahun 2020–2025. Kerangka teoritis yang digunakan meliputi pemikiran Michel Foucault, Jürgen Habermas, dan Antonio Gramsci. Hasil penelitian: Hasil penelitian menunjukkan bahwa hukum dalam konteks demonstrasi di Indonesia lebih cenderung bersifat represif daripada emansipatoris. Hukum digunakan oleh negara untuk meredam protes sosial dan mengontrol wacana publik atas nama ketertiban dan keamanan. Kesimpulan: Kesimpulan dari penelitian ini adalah bahwa hukum di Indonesia tidak berdiri netral, melainkan beroperasi dalam struktur ideologis yang mendukung dominasi negara. Novelty dari penelitian ini terletak pada keberhasilan mengintegrasikan filsafat hukum kritis dengan studi konkret penegakan hukum, serta membongkar peran hukum sebagai alat hegemonik yang jarang dibahas secara eksplisit dalam studi hukum nasional.

Perlindungan Hukum Konsumen terhadap Kontrak Baku dalam Transaksi Digital Triana, Yeni; Pardosi, Pardomuan; Anugrah Siregar, Wira; Iskandar, Muh Faldi; Andrianto, Andrianto; Christian Hutasoit, Roby
J-CEKI : Jurnal Cendekia Ilmiah Vol. 5 No. 2: Februari 2026
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v5i2.13891

Transaksi digital bergantung pada kontrak baku yang disusun sepihak sehingga memunculkan ketimpangan posisi hukum konsumen, khususnya terhadap klausula yang membatasi tanggung jawab pelaku usaha dan mengurangi hak konsumen. Penelitian ini bertujuan menganalisis pengaturan kontrak baku dalam hukum positif Indonesia serta menilai efektivitas perlindungan hukum konsumen terhadap klausula yang merugikan dalam transaksi digital. Pendekatan yuridis normatif digunakan melalui analisis peraturan perundang-undangan, doktrin hukum, dan putusan pengadilan terkait KUH Perdata, Undang-Undang Perlindungan Konsumen, dan Undang-Undang ITE dengan teknik studi kepustakaan dan analisis interpretatif-preskriptif. Hasil penelitian menunjukkan kontrak baku sah secara formil, namun kerap bertentangan secara substansial dengan prinsip keadilan kontraktual. Klausula eksonerasi masih ditemukan dalam praktik dan efektivitas penegakan Pasal 18 UUPK belum optimal. Persetujuan digital bersifat simbolik dan belum menjamin kehendak bebas konsumen, sementara mekanisme pengawasan preventif terhadap klausula baku belum tersedia. Perlindungan hukum konsumen memerlukan pergeseran dari pendekatan reaktif ke preventif melalui audit klausula baku dan harmonisasi regulasi. Kebaruan penelitian terletak pada tawaran model perlindungan preventif dan redefinisi kebebasan berkontrak berbasis keadilan substantif.

Perlindungan Hukum Konsumen terhadap Kontrak Baku dalam Transaksi Digital Triana, Yeni; Pardosi, Pardomuan; Anugrah Siregar, Wira; Iskandar, Muh Faldi; Andrianto, Andrianto; Christian Hutasoit, Roby
J-CEKI : Jurnal Cendekia Ilmiah Vol. 5 No. 2: Februari 2026
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v5i2.13891

Transaksi digital bergantung pada kontrak baku yang disusun sepihak sehingga memunculkan ketimpangan posisi hukum konsumen, khususnya terhadap klausula yang membatasi tanggung jawab pelaku usaha dan mengurangi hak konsumen. Penelitian ini bertujuan menganalisis pengaturan kontrak baku dalam hukum positif Indonesia serta menilai efektivitas perlindungan hukum konsumen terhadap klausula yang merugikan dalam transaksi digital. Pendekatan yuridis normatif digunakan melalui analisis peraturan perundang-undangan, doktrin hukum, dan putusan pengadilan terkait KUH Perdata, Undang-Undang Perlindungan Konsumen, dan Undang-Undang ITE dengan teknik studi kepustakaan dan analisis interpretatif-preskriptif. Hasil penelitian menunjukkan kontrak baku sah secara formil, namun kerap bertentangan secara substansial dengan prinsip keadilan kontraktual. Klausula eksonerasi masih ditemukan dalam praktik dan efektivitas penegakan Pasal 18 UUPK belum optimal. Persetujuan digital bersifat simbolik dan belum menjamin kehendak bebas konsumen, sementara mekanisme pengawasan preventif terhadap klausula baku belum tersedia. Perlindungan hukum konsumen memerlukan pergeseran dari pendekatan reaktif ke preventif melalui audit klausula baku dan harmonisasi regulasi. Kebaruan penelitian terletak pada tawaran model perlindungan preventif dan redefinisi kebebasan berkontrak berbasis keadilan substantif.

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