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INDONESIA
International Journal of Business, Law, and Education
Published by IJBLE Scientific Publications Community Inc
ISSN : -     EISSN : 2747139X     DOI : -
Core Subject : Economy, Science, Education, Social,
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Social Sciences Other
International Journal of Business, Law, and Education disseminates knowledge about Business, Law, and Education that useful to academics, educators, scholars, managers, practitioners, policy makers, consumers, and other stakeholders all around the world.
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 687 Documents
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REGULATION OF LOSS-INDUCING CRYPTO ASSET INVESTMENTS: CHALLENGES IN REGULATION, PROTECTION AND SUPERVISION Anggasta, Giovani; Kusumadara, Afifah; Nur Widhiyanti, Hanif
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.255

Abstract

Cryptocurrency has become evidence of the rapid growth of the digital economy. This phenomenon has left countries worldwide in a dilemma regarding the legal status of cryptocurrencies. Specifically in Indonesia, cryptocurrency is regulated in a limited manner, creating a gap in legal protection for investors. This research employs a normative research method with a legislative and conceptual approach. The findings of this research indicate that Indonesia tends to position cryptocurrencies in a "limited" capacity, restricting them to being considered investments rather than currency. Nevertheless, due to the legal gaps, there is a need to establish standardized, periodic, and embedded security measures overseen by Bappebti to ensure maximum protection provided by every cryptocurrency wallet service provider. Additionally, it should be mandatory for every service provider to comprehensively insure digital assets to offer financial protection to individuals.
Analysis of Beginning Stage of Reading Skills of First Grade Students of Indriasana Palembang Primary School. Indriasari, Indriasari; Krisnandi, Ignasius Firdo
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.256

Abstract

This study aims to describe the beginning stage reading ability of first grade students at SD Indriasana Palembang. This research method is descriptive qualitative, with data collection through observation, interviews, tests, and documentation. The sample used saturated sampling technique. The research sample was 61 first grade students at SD Indriasana Palembang. The results of the study, first in the aspect of reading letters as much as 98% of respondents achieved the criteria of "very good" and 2% achieved "good". Second, in the aspect of reading syllables, 98% of respondents with the criteria of "very good" and 2% "enough". Third, in the aspect of reading words 92% of respondents with the criteria of "very good" and 8% "enough". Fourth, in the aspect of reading sentences 84% ​​of respondents with "very good", 11% "good", and 5% "enough".
The Effect of Service Quality and Delivery Accuracy on Customer Loyalty Through Customer Satisfaction (Case Study CV. Sarana Utama Cargo) Sarifah, Zaydatus; Lestariningsih, Marsudi; Satrio, Budhi
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to test and analyze the effect of service quality and delivery accuracy on customer loyalty through customer satisfaction as a case study on CV. Sarana Utama Cargo. The purpose in question is to test and analyze the effect of quality and accuracy of delivery on loyalty directly or indirectly through customer satisfaction.The methodology in this research is descriptive-quantitative using descriptive analysis and inferential statistics, namely, this research inferential statistical data analysis is measured using WarpPLS 5.0 software. The results of data analysis show that all indicators are said to be in this research model worthy of further processing until hypothesis testing. Based on the results of data analysis regarding direct and indirect effects, it shows that service quality and delivery accuracy have a significant effect on customer satisfaction, customer satisfaction has a significant effect on customer loyalty, and customer satisfaction has no mediating impact on service quality and customer loyalty while customer satisfaction has a mediating impact on delivery accuracy on customer loyalty. Customer satisfaction cannot mediate service quality on customer loyalty. This shows that the quality of services provided by the company is not a measure of customer satisfaction so it will have an impact on customer loyalty to the company's services. Delivery accuracy on customer loyalty is mediated by customer satisfaction. This shows the accuracy of shipping customer goods to their destination will make customers feel satisfied, so customers will be loyal to the services provided by CV. Sarana Utama Cargo. Service quality has a significant effect with a positive direction on customer loyalty. Customer satisfaction has a significant effect with a positive direction on customer loyalty. This shows that customers are satisfied with the services provided by the company, so that customers will be loyal to the company in this case CV. Sarana Utama Cargo. It is hoped that the results of this research can become a reference source for further research in discussing related problems. The population in this study are customers who are loyal to the company's CV. Sarana Utama Cargo used services more than one and so on. The sampling technique of this study was carried out by non-probability sampling method with purposive sampling technique with a total of 100 respondents.
Legal Implications of The Use of Permit to Open State Land as Collateral for Debt: A Case Study of Regional Regulation of Balikpapan City No. 1 of 2024 Sari, Fitrizka Eka; Koeswahyono, Imam; Masykur, Hamidi
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.260

Abstract

Indonesia is a country abundant in natural resources and human resources, aiming to provide prosperity for its people. The need for credit and the provision of credit facilities require collateral. The government has established a credit guarantee institution capable of providing legal certainty and legal protection. One of these institutions is the Mortgage Rights institution regulated by Law Number 4 of 1996 concerning Mortgage Rights on Land and Related Objects (UUHT). In the city of Balikpapan, East Kalimantan, there is a legal product in the field of land management based on regional autonomy, adhering to the principle of decentralization that grants authority through the enactment of Regional Regulation Number 1 of 2014 concerning State Land Opening Permits, known as "Izin Membuka Tanah Negara" (IMTN). IMTN is a permit granted by the Mayor or designated official to individuals or legal entities to open and/or utilize state-owned land directly controlled by the government. In this Regional Regulation, it is explicitly stated that IMTN cannot be used as collateral for debt transactions. However, in Balikpapan, there are still cooperatives or financing institutions that accept IMTN as collateral, binding it with a credit guarantee that is subsequently accompanied by an additional agreement known as "Surat Kuasa Membebankan Hak Tanggungan" (SKMHT). The existence of collateral with IMTN as the object is not permitted, as IMTN serves as administrative evidence for the initial proof of land rights ownership in Balikpapan. IMTN can later be processed to become land rights (Ownership Rights, Building Utilization Rights, Right to Use), which has led Notaries and Banks to accept IMTN as collateral.
USE OF My-BCA FACILITIES IN ATTRACTING CUSTOMER INTEREST IN PT. CENTRAL BANK ASIA (BCA) (Empirical Study of BCA KCU MALANG Office) Putri Pamungkas, Restu
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.261

Abstract

Competition in the banking world currently encourages every banking agency to provide the best service according to its customers' needs. One effort to improve service to customers is by utilizing developments in information technology. Utilization of this technological development will have an impact on the influx of new customers, including at BCA bank. BCA Bank is always quick to respond to technological developments and always wants to provide excellent service to its customers, so they always upgrade their facilities, including providing a new application, namely my-BCA. This research is aimed at uncovering the use of My-BCA facilities in attracting customer interest, so a qualitative approach is more suitable for use in this study. Research data was collected through participant observation and interviews with informants. Based on the results of the descriptive analysis used in this research, three findings were obtained related to customer knowledge about the My-BCA application; The impact of the new application (My-BCA) during the Covid-19 pandemic; and the benefits of My-BCA for customers. In terms of knowledge, there are still many customers who don't know about the My BCA application. However, even though many people don't know the My-BCA application, the millennial generation is more responsive because they adapt more quickly to technological developments, so they use this application more. In terms of impact and benefits, the My-BCA application is a more effective and efficient application, because one application can be used for more than one account number and customers can use it to carry out banking transactions from anywhere, making it more practical
Sustainable HR Practices in Indonesian MSMEs from a Social Entrepreneurship Perspective: Training, Recruitment, Employee Engagement, Social Impact of Local Communities Iskandar, Yusuf; Pahrijal, Rival; Kurniawan, Kurniawan
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.262

Abstract

This study looks into the complex interactions that exist between Indonesian Micro, Small, and Medium-Sized Enterprises (MSMEs) and training, hiring, employee engagement, social entrepreneurship performance, sustainable business practices, and the social impact on local communities. The study employs Structural Equation Modeling (SEM-PLS) through a quantitative analysis encompassing 487 MSMEs to explore a broad range of hypotheses. The findings highlight the paradoxical relationship that exists between sustainability and training, underscoring the necessity for HR procedures to be approached with delicacy. High employee engagement and successful hiring emerge as key factors that influence the performance of social entrepreneurship and sustainable business practices. Moreover, the research highlights the positive effects of MSMEs involved in social entrepreneurship on sustainable practices and the larger community, underscoring the connection between sustainability and social entrepreneurship. While the practical consequences direct strategic HR planning and the reform of training programs, the theoretical implications cover the advancement of Sustainable Human Resource Management (SHRM) and the enrichment of social entrepreneurship theory. The research offers significant perspectives for MSMEs aiming to harmonize HR procedures with sustainability goals and promote constructive societal influence.
Analysis of the Mediation Effect of Organizational Creative Climate on the Relationship of Self-Efficacy to Innovative Work Behavior Indajang, Kevin; Romy, Elly; Sembiring, Lenny Dermawan; Chandra, Erbin; Sudirman, Acai
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.263

Abstract

the potential for failure. Most business actors just starting their businesses experience the stigma of fear of failure, which can hinder innovation. In the context of MSMEs in the Lake Toba tourist area, the relationship between organizational creative climate (OCC), Self-Efficacy, and innovative work behavior can be very relevant. This research aims to analyze the mediating effect of organizational creative climate on the influence of self-efficacy on innovative work behavior. The results of this study confirm that self-efficacy has a significant effect on organizational creative climate. Organizational creative climate has a significant influence on innovative work behavior. The results further confirm that organizational creative climate can mediate the relationship between self-efficacy and innovative work behavior. The practical implications of this research can be the basis for advocacy to the government and related parties to provide further support to MSMEs in the region. This can involve policies that support the formation of an organizational creative climate and increase Self-Efficacy among MSME players.
The Role of Purchase Intention as an Intervening Variable of Service Quality and Word of Mouth on Purchasing Decisions at PT Berlian Jasa Terminal Indonesia (PT BJTI PORT) Herlambang, Anggit Julio; Triyonowati, Triyonowati; Prijati, Prijati
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.264

Abstract

This study aims to examine and analyze the role of purchase intention as an intervening variable of service quality and word of mouth on purchasing decisions at PT. Berlian Jasa Terminal Indonesia (PT BJTI PORT). Several factors influence the buyer's decision including cultural factors, social factors, personal factors, and psychological factors and there are four factors 1) product, 2) price, 3) promotion, and 4) location. The sampling technique was purposive sampling with a total of 100 respondents. The methodology in this study is descriptive-quantitative using descriptive analysis and inferential statistics, namely, this research analysis of inferential statistical data is measured using WarpPLS version 5.0 PLS (Partial Least Square) software. Based on the results of data analysis regarding direct and indirect influences, it shows that service quality does not influence purchasing decisions, word of mouth influences purchasing decisions, buying interest influences purchasing decisions, and buying interest is unable to intervene or is unable to mediate influence. service quality on purchasing decisions while buying interest can intervene or be able to mediate the influence of word of mouth on purchasing decisions. This means that buying interest can encourage or direct consumers to make purchasing decisions at PT. Berlian Jasa Terminal Indonesia (PT BJTI PORT)
The Impact Of Employee Performance On Employee Productivity: Based On The Work Environment, Standard Operating Procedures (SOP), And Work Discipline Windarko, Windarko; Lastro, Djano; Iskandar, Yusuf; Mala, Chajar Matari Fath
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.265

Abstract

This research explores the complex relationship between employee performance and productivity within a company. Typically, research related to performance and productivity focuses on the skills of employees as well as their motivation or incentives. In this case, the researcher aims to examine performance and productivity from three other crucial factors: the work environment, Standard Operating Procedures (SOP), and work discipline. This is because it has been found that these three factors can also influence an employee's performance, ultimately impacting their productivity while working. The research results will reveal whether a positive work environment can have a positive impact on performance. Similarly, the increasing strictness of SOPs and the discipline in following them can also have a positive effect on both performance and productivity.
INCOME DIVERSIFICATION, PROFITABILITY, AND RISK IN ISLAMIC BANKING IN INDONESIA Mala, Chajar Matari Fath; Jumono, Sapto; Lastro, Windarko; Iskandar, Yusuf
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.266

Abstract

This study investigates the factors that affect income diversification and the associated risk in Indonesian Islamic banking. Panel regression is used to examine the correlation between risk factors, including primary operating revenue, fee-based income, internal and external factors, and the profitability of Islamic banks. Panel regression analysis has been conducted on the data from 2012-2016 to determine the factors that affect profitability and risk. The results show that pretax profit, after-tax profit as a proportion of total assets, and after-tax profit as a percentage of total equity react differently to income diversification. According to the findings, an increase in profit before taxes can be expected as the number and diversity of a company's revenue streams continue to expand. This indicates that the financial health of Islamic banks improves when they have access to many revenue streams. Furthermore, the standard deviation of baseline income shows that diversifying sources of income has little effect on internal risk.

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