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All Journal Jurnal Komunikasi Fokus Bisnis KOMUNIKE: Jurnal Komunikasi Penyiaran Islam Jurnal Komunikasi Ikatan Sarjana Komunikasi Indonesia Wacana: Jurnal Ilmiah Ilmu Komunikasi Jurnal Penelitian dan Pengabdian Kepada Masyarakat UNSIQ Journal of Economic, Management, Accounting and Technology (JEMATech) Warta Ikatan Sarjana Komunikasi Indonesia Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ilmiah Manajemen Kesatuan Jurnal Papatung : Jurnal Ilmu Administrasi Publik, Pemerintahan dan Politik INFOKUM Resolusi: Jurnal Sosial Politik AKSELERASI: Jurnal Ilmiah Nasional Fox Justi : Jurnal Ilmu Hukum Jurnal Ekonomi Educenter: Jurnal Ilmiah Pendidikan Equivalent: Jurnal Ilmiah Sosial Teknik Journal of Economics and Business (JECOMBI) Jurnal Ilmiah Multidisiplin Indonesia Riwayat: Educational Journal of History and Humanities Fokus Bisnis: Media Pengkajian Manajemen dan Akuntansi EDUCENTER JURNAL PENDIDIKAN Jurnal Ekonomi, Akuntasi dan Manajemen Indonesia(JEAMI) Jurnal Manajemen, Akuntansi dan Rumpun Ilmu Ekonomi (MAR-Ekonomi) Jurnal Restorasi: Hukum dan Politik Dialogia Iuridica
Muhamad Agung Dharmajaya
Universitas Mathla’ul Anwar
Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Social Sciences Other

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Lanskap Demonstrasi Jakarta: Komunikasi Politik Warga Kota dalam Ruang Publik Muhamad Agung Dharmajaya; Aminah Swarnawati; M. Elfan Kaukab
Resolusi: Jurnal Sosial Politik Vol 9 No 1 (2026)
Publisher : Department of Political Science - Universitas Sains Al-Qur’an

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32699/resolusi.v9i1.11016

Abstract

Demonstrations are an integral part of democracy in Jakarta, the largest city and capital of Indonesia. Throughout 2020, Pola Metro Jaya recorded 993 demonstrations, which reflects the high level of community participation in voicing important issues. This research maps the themes of demonstrations in Jakarta in the context of more integrative city development, using content analysis of online news headlines from 2014-2024. Using a constituency thematic framework with 12 frames, the results showed that five frames (ethnicity, age, religion, gender, and family) were not found in the demonstrations analyzed. Territorial and citizen frames dominate, followed by ideological, disadvantaged, functional, material and environmental frames. These findings suggest that territorial and public interest issues are more likely to trigger demonstrations in Jakarta, reflecting community sensitivity to land use and space requirements. Demonstrations are often related to broad public issues, emphasizing the importance of spatial justice and sustainable development.
The Role of E-Trust and User Experience on Online Purchasing Decisions with Discounts as a Moderating Variable for Shopee Consumers of Erigo Fashion Products Masitoh Masitoh; Irma Yunita; Muhamad Agung Dharmajaya
MAR-Ekonomi: Jurnal Manajemen, Akuntansi Dan Rumpun Ilmu Ekonomi Vol. 4 No. 03 (2026): Jurnal Manajemen, Akuntansi dan Rumpun Ilmu Ekonomi (MAR-Ekonomi), 2026
Publisher : SEAN Institute

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Abstract

This study aims to analyze the influence of user experience and e-trust on online purchasing decisions for Erigo fashion brand products on the Shopee platform in Pandeglang Regency, with discounts as a moderating variable. The study used an associative quantitative approach with the SEM-PLS method on 140 Shopee user respondents selected through random sampling techniques in five sub-districts in Pandeglang Regency. The results showed that user experience had no significant effect on online purchasing decisions, while e-trust had a positive and significant effect on purchasing decisions. In addition, the discount variable was unable to moderate the relationship between user experience and e-trust on purchasing decisions. The research findings confirm that digital trust is the main factor influencing consumer decisions in purchasing fashion products online compared to user experience or price promotion stimuli. This study contributes to the development of digital consumer behavior studies, especially in fashion marketplaces in developing regions, and serves as a strategic reference for e-commerce platforms in increasing consumer trust.
Fintech Lending, Consumer Behavior, and Financial Management Behavior: Moderating Effect of Financial Literacy Verliani Dasmaran; Muhamad Agung Dharmajaya
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 4 (2026): JIMKES Edisi Juli 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i4.5524

Abstract

The rapid growth of fintech lending services among university students has increased financial access but also raised concerns about irresponsible borrowing and poor financial management. The study aimed to examine the effects of fintech lending and consumer behavior on individual financial management behavior, with financial literacy serving as a moderating variable. A quantitative research design with a cross-sectional survey approach was employed, involving 400 accounting students from nine universities in Banten Province, Indonesia. Data were collected through online questionnaires and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS software. The findings revealed that fintech lending had a positive and significant effect on individual financial management behavior, while consumer behavior showed no significant effect. In addition, financial literacy significantly weakened the relationship between fintech lending and individual financial management behavior, indicating that financially literate individuals tend to use digital lending services more cautiously and rationally. However, financial literacy did not significantly moderate the relationship between consumer behavior and financial management behavior. These findings highlight the importance of strengthening financial literacy programs to encourage responsible financial decision-making among university students.
IMPLEMENTATION PRINCIPLE MUDHARABAH IN ISLAMIC BANKING IN INDONESIA Muhamad Agung Dharmajaya
Fox Justi : Jurnal Ilmu Hukum Vol. 11 No. 01 (2020): Fox justi : Jurnal Ilmu Hukum
Publisher : SEAN Institute

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Abstract

Implementation principle mudharabah is the main pillar operational Islamic banking in Indonesia for push growth equitable economy. Research law normative This aim For analyze mechanism implementation contract mudharabah as well as mitigation strategy formulation risk in optimize financing for results. Research results show that mechanism mudharabah has integrated to in law positive through Constitution Number 21 of 2008 concerning Islamic Banking, DSN-MUI Fatwa, and OJK regulations, which include function fundraising (funding) and fund distribution (financing). However, optimization financing mudharabah Still face challenge big in the form of height risk asymmetry information and potential moral hazard from customers manager (mudharib ). As solution, Islamic banking implements mitigation strategies modern multidimensional risk. The strategy covering strengthening aspect juridical through tightening clause contracts (restrictive covenants) and bindings guarantee financing (rahn ). In addition, mitigation optimized past integration digital technologies such as system integrated Point of Sales cashier and account separate (segregated accounts) for monitor cash flow in real, scheme staged financing, and improvement HR competency becomes assessor financing specific industry. Research This conclude that strengthening management modern risk capable secure operational product for results without sacrifice sharia compliance.
Open Banking and Regulatory Challenges in Indonesia Muhamad Agung Dharmajaya
Jurnal Restorasi : Hukum dan Politik Vol. 1 No. 02 (2023): Jurnal Restorasi : Hukum dan Politik, October 2023
Publisher : Jurnal Restorasi : Hukum dan Politik

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Abstract

The acceleration of digitalization is driving the Indonesian financial sector to transform from a conventional operational model to an open banking ecosystem. This study aims to analyze the development of open banking implementation in Indonesia and identify key regulatory challenges faced in mitigating legal and cybersecurity risks. The research method used is a normative juridical approach with a qualitative-descriptive approach through secondary data analysis in the form of Bank Indonesia regulations, the Financial Services Authority (OJK), and related literature. The results in the first sub-chapter indicate that the implementation of open banking, guided by the National Standard for Open API Payments (SNAP), based on the 2025 Indonesian Payment System Blueprint (BSPI), has successfully increased financial inclusion and the efficiency of system integration between financial actors. However, the analysis in the second sub-chapter reveals significant regulatory challenges, including an expanded cyberattack surface due to imbalances in IT protection capacity, uncertainty about legal liability in the event of system failures, fragmented cross-sectoral oversight, and difficulties in synchronizing with the Personal Data Protection Law (PDP Law). This research concludes that advances in SNAP's technical infrastructure have not been matched by an adaptive legal framework, creating legal gaps that risk consumer harm. This research recommends that Bank Indonesia and the Financial Services Authority (OJK) formulate joint regulations, shift to a principles-based approach, and strengthen the capacity of supervisory technology to create a safe and sustainable digital financial ecosystem.
CONSUMER AUTONOMY AND ALGORITHMIC CONTROL: NETFLIX AS A DIGITAL BROADCASTING ALTERNATIVE IN THE GLOBAL MARKETPLACE Muhamad Agung Dharmajaya; Aminah Swarnawati
AKSELERASI: Jurnal Ilmiah Nasional Vol 8 No 1 (2026): AKSELERASI: JURNAL ILMIAH NASIONAL
Publisher : GoAcademica Research dan Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/jin.v8i1.1528

Abstract

This study explores the tension between consumer freedom and control. algorithmic use of the Netflix streaming platform. The research employs a literature review methodology, using sources from Google Scholar to investigate the impact of recommendation algorithms on user autonomy and content consumption patterns. Specifically, it focuses on Netflix's collaborative filtering algorithms, binge-watching phenomena, and the tension between consumer freedom and platform-driven content selection. Findings reveal that while Netflix promotes personalized recommendations, these algorithms often lead to repetitive consumption patterns and reinforce specific cultural perspectives. Furthermore, the platform's business model, emphasizing user retention and engagement through continuous consumption, fosters behavioral dependencies like binge-watching. The study highlights that although Netflix offers mechanisms for content personalization, such as “Play Something Else,” these tools subtly shift control to the algorithm, reducing consumer autonomy. Conclusions suggest that Netflix's use of algorithmic control reflects broader trends in digital media consumption, where the promise of user freedom is moderated by the platform's operational logic, prioritizing engagement and profit. These findings underscore the need for critical awareness of how algorithmic systems influence consumption and the balance between consumer freedom and algorithmic governance in streaming services.
Franchise Agreements from a Commercial Law Perspective Muhamad Agung Dharmajaya
Journal of Economics and Business (JECOMBI) Vol. 2 No. 1 (2021): Journal of Economics and Business (JECOMBI) : September 2021
Publisher : SEAN Institute

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Abstract

The dynamic development of the business world has encouraged the emergence of various business partnership models to accelerate market expansion, one of which is through the franchise system. However, in practice, this legal relationship often triggers asymmetric bargaining positions and potential disputes due to the blurring of the rights and obligations of the parties within the scope of business law. This study aims to analyze the legal standing and validity of franchise agreements within the Indonesian commercial law system, as well as to examine the ideal form of legal protection for franchisors and franchisees to minimize the risk of default. The research method used is normative juridical with a statute approach and a conceptual approach. Secondary data obtained through literature review was analyzed qualitatively using deductive reasoning. The results indicate that a franchise agreement is a valid, anonymous agreement based on the principle of freedom of contract (Article 1338 paragraph 1 of the Civil Code) and the requirements for a valid agreement (Article 1320 of the Civil Code). From a commercial law perspective, formal validity requires compliance with specific regulations (lex specialis) in the form of a written contract in Indonesian, the issuance of a prospectus, and possession of a Franchise Registration Certificate (STPW). Ideal legal protection for franchisors rests on Intellectual Property Rights (IPR) protection through a confidentiality agreement (NDA) and a non-compete clause. Conversely, protection for franchisees is realized through the right to validity of prospectus data, territorial exclusivity (territorial protection), and the right to receive cure notice before contract termination. In the event of a business dispute, a choice of forum clause through an Arbitration Institution is the most ideal mechanism due to its confidentiality, efficiency, and final and binding decision.
Komunikasi Politik dalam Lanskap Digital: Inovasi hingga Disinformasi Berita Politik Muhamad Agung Dharmajaya; Harmonis
Warta Ikatan Sarjana Komunikasi Indonesia Vol. 8 No. 1 (2025): Warta Ikatan Sarjana Komunikasi Indonesia
Publisher : Ikatan Sarjana Komunikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25008/wartaiski.v8i1.315

Abstract

Kemajuan teknologi digital telah mentransformasi komunikasi politik secara mendasar, memberikan peluang untuk inovasi dalam penyampaian pesan dan keterlibatan masyarakat. Namun, era digital juga menghadirkan tantangan serius, terutama disinformasi yang dapat merusak proses demokrasi. Penelitian ini bertujuan untuk mengeksplorasi inovasi yang muncul dalam komunikasi politik digital dan mengidentifikasi tantangan yang diakibatkan oleh penyebaran disinformasi. Dengan pendekatan kualitatif berbasis analisis data sekunder, penelitian ini mengungkap bahwa platform digital mampu memperluas akses informasi politik dan memperkuat partisipasi masyarakat, tetapi juga meningkatkan risiko manipulasi informasi. Artikel ini menawarkan rekomendasi strategis bagi aktor politik dan masyarakat untuk memaksimalkan manfaat teknologi digital sambil meminimalkan dampak negatif disinformasi.
Strategic Management Model as a Driver of Creative Industry Performance and Innovation Muhamad Agung Dharmajaya
Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) Vol. 4 No. 8 (2025): Jurnal Ilmiah Multidisplin Indonesia (JIM-ID) 2025
Publisher : Sean Institute

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Abstract

The creative industry plays a strategic role in driving economic growth and creating added value based on creativity and innovation. However, uncertain market dynamics, the development of digital technology, and high levels of competition require creative industry players to implement adaptive and sustainable strategic management. This study aims to analyze strategic management models as drivers of creative industry performance and innovation, and to identify challenges faced in their implementation. This study used a qualitative approach with descriptive methods, through the collection of primary and secondary data. Primary data were obtained through in-depth interviews with creative industry players, while secondary data came from government policy documents, creative industry reports, and related literature. Data analysis was conducted qualitatively through data reduction, data presentation, and conclusion drawing. The results indicate that a strategic management model encompassing the stages of performance, programming, design, implementation, and marketing plays a crucial role in integrating creative ideas into sustainable economic value. Furthermore, the implementation of Digital Business Model Innovation, Blue Ocean Strategy, ecosystem strengthening, and Intellectual Property Rights protection have been shown to support improved creative industry performance and innovation. However, this study also identified various challenges, such as limited human resource capacity, access to technology and data, weak IPR protection, and market uncertainty. This research is expected to provide theoretical contributions to the development of strategic management studies in the creative industry and serve as a practical reference for business actors and policymakers in formulating strategies for developing a competitive and sustainable creative industry.
Media Framing and Public Interpretation: A Case Study of News Coverage of the Relocation and Development of the Indonesian Capital Muhamad Agung Dharmajaya; Asep Setiawan
Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) Vol. 5 No. 01 (2026): Jurnal Ilmiah Multidisplin Indonesia (JIM-ID), January 2026
Publisher : Sean Institute

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Abstract

Mass media has a role in providing various information to the wider community. Currently, mass media information delivery can be done anytime and anywhere. However, the framing used by news presenters is important in conveying the news because a piece of news will have an influence on public perception, including in the distribution of news regarding transmissions and broadcasts of the National Capital, which is currently a hot topic. The aim of this research is to determine framing analysis in news coverage and its influence on public perceptions on the issue of moving and developing the nation's capital. This research will use a qualitative approach with a focus on framing analysis in news coverage related to the issue of movement and development of the Indonesian capital city. The research results showed that framing in news coverage of the sustainability of the transfer and development of the nation's capital had an influence on public perception. The mass media can choose points of view, language and narratives that shape perceptions of candidates, parties and the process of desire and transmission of the National Capital. So it is important to understand how the media presents important news because it influences people's perceptions of the activities desired and the ongoing relocation of the National Capital.
Co-Authors Abdurrohman, Haidar Ali Akbar Anggara Aminah Aminah Aminah Swamawati Aminah Swarnawati Asep Setiawan Asep Setiawan Diba Anggraini Aris Diba Anggraini Aris Ekanto, Joko Eva Sutihat Eva Sutihat Fajri Syahiddinillah Harmonis Harmono Hassanain Haykal IRMA YUNITA Kaukab, M. Elfan Kemal Taufiq M. Elfan Kaukab M. Elfan Kaukab M. Elfan Kaukab M. Elfan Kaukab Masitoh Masitoh Masitoh Minangkabawi, Harmonis Muhamad Isnan Nur Ikhwan Nani Nurani Muksin Nono Arief Rachman Nono Arief Rachman Raharja, Arif Budi Seftiadi, Yosep Setiawan, Ronni Cahyo Verliani Dasmaran Wan Noor Hazlina Wan Jusoh Wan Noor Hazlina Wan Jusoh, Wan Noor Hazlina Wan Yosep Seftiadi Zaharuddin Zaharuddin, Zaharuddin