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All Journal Mandalika Mathematics and Educations Journal Jurnal Ekonomi Syariah
Nazmi Soraya
Unknown Affiliation
Economics, Econometrics & Finance Mathematics

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Identification of Spatial Autocorrelation in Cases of Complaints About Illegal Online Loans in Indonesia Meirinda Fauziyah; Devita Dwi Putri; Andrea Tri Rian Dani; Hardina Sandariria; Nazmi Soraya
Mandalika Mathematics and Educations Journal Vol 7 No 4 (2025): Desember
Publisher : FKIP Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jm.v7i4.10572

Abstract

The development of digital financial services has made it easier for people to access technology-based loans, but this has also been accompanied by an increase in illegal online lending practices, which have generated numerous complaints from consumers in various regions. This situation indicates the potential for uneven distribution of cases across regions. This study aims to identify interregional spatial relationships in data on the number of complaints about illegal online loans across provinces in Indonesia. This study uses data on the number of complaints about illegal online loans from January to June 2025. The analytical methods used include descriptive statistics, the Moran Index to measure global spatial autocorrelation, and the Local Indicator of Spatial Autocorrelation (LISA) to detect local clusters. The results show positive spatial autocorrelation, where provinces with a high number of complaints tend to be close to each other, particularly areas with high levels of urbanization and digital activity such as DKI Jakarta, West Java, Central Java, and Banten. Thus, the distribution of complaints about illegal online loans is not random but is influenced by geographic proximity and regional socioeconomic characteristics.
Business Model Canvas sebagai Media Pembelajaran Praktikum Bisnis bagi Mahasiswa: Studi Literatur Difi Dahliana; Muhammad Yulian Ma'mun; Nazmi Soraya; Lisda Aisyah
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 02 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i02.495

Abstract

Business learning in higher education still faces the problem of the gap between theory and practice. Conventional methods that are too concept-oriented make it difficult for students to understand the relationship between business components in real terms. This condition demands a more contextual, interactive, and easy-to-understand practicum approach. The Business Model Canvas (BMC) is a comprehensive yet straightforward alternative learning instrument that presents a complete picture of the business model through nine main blocks. This article presents a literature study by examining the scientific publications of the last five years (2020–2025) regarding the application of BMC in business learning. The results of the study show that BMC is efficacious in improving students' conceptual understanding, analytical skills, creativity, and entrepreneurial motivation. Furthermore, BMC encourages project-based learning through group work, simulations, and the preparation of business models that resemble real practices. However, the implementation of BMC still faces challenges in the form of time constraints, technical difficulties, and a culture of passive learning. Thus, BMC integration is important as an innovative learning strategy that can strengthen students' readiness to face the dynamics of the business world.
Co-Authors Dani, Andrea Tri Rian Devita Dwi Putri Difi Dahliana Hardina Sandariria Lisda Aisyah Meirinda Fauziyah Muhammad Yulian Ma'mun