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Golden Ratio of Data in Summary
Published by Manunggal Halim Jaya
ISSN : -     EISSN : 2776641     DOI : https://doi.org/10.52970/grdis
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Golden Ratio of Data in Summary Golden Ratio of Data in Summary with e-ISSN 2776-6411, welcomes submissions that describe data from all research areas. Please note: almost any piece of information can be defined as data. However, to merit publication in Golden Ratio of Data, in Summary, should be a set of information that is acquired/collected with a scientific method and have value to the research community. Golden Ratio of Data in Summary welcomes papers dataset that is based in multidiscipline for easier to find. Increase traffic towards associated research articles and literature, leading to more citations. Publication Frequency: Semi-Annual Issues Per Year: Issue 1, November to April, and Issue 2, May to October.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 622 Documents
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Legal Protection for Buyers of Collateral Objects Sold at Auction Joserando, Jodi Jordan; Maskanah, Ummi; Fuazi, Afif
Golden Ratio of Data in Summary Vol. 5 No. 1 (2025): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i1.914

Abstract

The purpose of this research is to analyze the legal protection provided to buyers who purchase collateral objects sold at auction, as well as to explore the legal challenges faced by buyers in acquiring rights to these objects. The main focus of this research is to understand how the legal system provides protection for buyers. This study uses a qualitative method with a descriptive approach, aimed at describing and analyzing the legal situation in cases involving the auction of collateral objects. Data collection was carried out through interviews with various related parties, including notaries, legal practitioners, auction officials, and buyers of auctioned objects. The results of the study show that, although there are efforts to protect buyers under auction regulations, buyers often face challenges related to the legal status of the objects they purchase. Buyers are at risk of being caught in legal disputes concerning obligations attached to the purchased objects, especially with regard to third-party rights or debts associated with the object. This research also finds that the current auction procedures and regulations still have gaps that allow for legal uncertainty for buyers.
The Authority of Notary as Class II Auction Official in Providing Legal Counseling on The Auction Minutes Deed They Create Budiman, Seno Aziz; Ramadhan, Muhammad Willy; Tarigan, Notora; Maskanah, Ummi
Golden Ratio of Data in Summary Vol. 5 No. 1 (2025): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i1.915

Abstract

This study aims to analyze the authority of a notary as a class II auction official in providing legal counseling related to the auction minutes deed they create. This research focuses on understanding the notary's role in ensuring that the parties involved in the auction gain a clear legal understanding of their rights and obligations and provide accurate explanations regarding the auction process as reflected in the auction minutes deed. The study's findings show that the notary's authority as a class II auction official in providing legal counseling is crucial to ensuring that the auction process proceeds by the applicable legal provisions. The notary plays a key role in explaining the legality of the auction minutes deed, which can influence the decisions of the auction participants. However, challenges in implementing this authority were found, such as the limited legal understanding of the parties involved and the lack of coordination between the notary and the auction institution.
The Effect of E-Auction Service Quality on The Satisfaction of Auction Applicants at KPKNL Metro Mazwa, Refizma Poltica; Maskanah, Ummi; Afif, Muhammad
Golden Ratio of Data in Summary Vol. 5 No. 1 (2025): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i1.916

Abstract

This study aims to determine whether the service quality of internet-based auctions (e-Auction) has an impact on the satisfaction of auction applicants at KPKNL Metro. The research design used is a quantitative approach. The results show that the service quality of internet-based auctions (e-Auction) has a significant effect on the satisfaction of auction applicants at KPKNL Metro. The service quality of the internet auction on the satisfaction of auction applicants has a p-value of 0.000 < 0.05 and a t-value of 5.745 > t-table 2.023, indicating that H1 is accepted, meaning there is an effect of the internet auction service quality on the satisfaction of auction applicants at KPKNL Metro. The F-value of 33.006 > the F-table value of 3.24 further confirms that H1 is accepted, meaning there is a simultaneous effect of internet auction service quality (X) on auction applicant satisfaction (Y). The R Square value, or coefficient of determination, is 0.471, meaning that the effect of the independent variable (X) on the dependent variable (Y) is 47.1%. Therefore, it can be concluded that H0 is rejected, and Ha is accepted, indicating that the quality of internet auction the satisfaction of auction applicants at KPKNL Metro.
Legal Protection for Auction Winners Whose Items Are Still Held by The Debtor According to Law Number 4 of 2004 on Auctions Rusmana, R. Anggi Gilang; Irawan, Hagi Muhamad Fauzan; Maskanah, Ummi
Golden Ratio of Data in Summary Vol. 5 No. 1 (2025): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i1.917

Abstract

This research discusses the legal protection for auction winners whose items are still held by the debtor, analyzed based on Law Number 4 of 2004 on Auctions. An auction is one way to enforce creditors' rights against debtors who cannot fulfill their obligations. In this study, the author examines the provisions in Law Number 4 of 2004, and the applicable legal practices to provide an overview of the legal steps auction winners can take to obtain the items they have won. The research findings indicate that although the auction winner has the right to the items once the auction process is complete, there is a legal protection mechanism that must be followed to obtain those items, including through the execution of goods by the auction official. This study also highlights the importance of legal protection for auction winners so that the applicable procedures can effectively protect their ownership rights over the auctioned items.
Legal Analysis of The Auction Process in The Fiduciary Guarantee Execution System Habibie, Muhammad; Nugraha, Rais Rahmat; Rangkoly, Mavelda Regina; Maskanah, Ummi
Golden Ratio of Data in Summary Vol. 5 No. 1 (2025): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i1.938

Abstract

The auction process in the fiduciary guarantee execution system is integral to resolving debt-debt disputes involving movable goods collateral. This research aims to analyze the legal aspects related to implementing auctions in the execution of fiduciary guarantees, which refers to the provisions of Law No. 42/1999 on Fiduciary Guarantees. The main focus of this research is to examine the auction procedure, the rights and obligations of the parties involved, and potential disputes that may arise during the process. In addition, this study evaluates the applicability of precautionary principles and the protection of debtor rights in executing auctions. The analysis results show that although the law has regulated the execution of fiduciary guarantees in detail, some challenges remain, such as unclear auction procedures and potential abuse of authority by creditors. Therefore, this study recommends stricter law enforcement and strengthening supervisory mechanisms in the auction process to protect debtors' rights and achieve justice.
Legal Protection of Creditors Against Auction Execution of Mortgage Rights Objects in Disputes Wiguna, Ervan; Musthofa, Hanna Noviana Noer; Maskanah, Ummi
Golden Ratio of Data in Summary Vol. 5 No. 1 (2025): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i1.943

Abstract

The execution of mortgage collateral auctions often encounters legal obstacles when the object of collateral provided by the debtor is under dispute. Such conditions pose significant challenges to the legal protection of creditors, particularly in their efforts to secure debt repayment through auction mechanisms. Disputes over the collateral frequently result in delays or even render the auction process infeasible, weakening the creditors' position as holders of mortgage rights. This study analyzes the legal protection afforded to creditors against obstacles in auction execution caused by disputes over the collateral. Furthermore, the research examines the role of legal provisions stipulated in Law No. 4 of 1996 concerning Mortgage Rights in resolving such challenges. The findings emphasize the necessity of stricter law enforcement and the establishment of effective dispute resolution mechanisms to safeguard creditors' rights, even when the mortgage collateral is subject to legal disputes.
Diversity and Characteristics of Spaza Shops in South Africa Willie, Michael
Golden Ratio of Data in Summary Vol. 5 No. 2 (2025): February - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i2.467

Abstract

This review paper examines the diversity and characteristics of Spaza shops across various communities, emphasizing their socio-economic and cultural importance. As informal retail outlets, Spaza shops are vital in addressing economic inequality by providing affordable goods and promoting local employment and entrepreneurship. The paper analyzes the socioeconomic factors driving their establishment, influence on community interactions, and financial contribution to regional job creation. It also explores the challenges Spaza shop owners face, such as limited access to financing, regulatory barriers, and market competition, while offering recommendations for sustainable development. Additionally, the review considers ownership structures, the impact of foreign ownership, and concerns about food safety. The lack of regulatory oversight and its effects on public health and the integrity of informal retail are also discussed. This comprehensive analysis highlights the need for targeted interventions and regulatory reforms to strengthen the resilience and sustainability of Spaza shops.
The Effect of Financial Management on Revenue for SME Actors in Gomo District South Nias, Indonesia Hulu, Ernamawati; Hulu, Perlindungan F.; Bu’ulolo, Nanny A.; Kakisina, SophiaM.
Golden Ratio of Data in Summary Vol. 5 No. 2 (2025): February - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i2.676

Abstract

From the observations, most SME actors in Gomo District, South Nias Regency still have minimal basic knowledge of good financial management. This is shown by the fact that most SME actors do not yet have financial reports, such as cash books, profit, and loss reports, and balance sheets, and have not saved for the future, invested, or taken out insurance, many of them still cannot separate personal finances from business finances. With this lack of knowledge of financial management, they cannot manage their expenses properly. Observations show that many SME actors often have difficulty reporting their financial position and calculating turnover, and business profits. The purpose of this study was to determine the Effect of Financial Management on Income for SME Actors in Gomo District, South Nias Regency. The population of this study was all Micro, Small, and Medium Enterprises in Gomo District, South Nias Regency. The results of the study showed that financial management had a significant effect on income.
The Effect of Service Quality on Visitor Satisfaction Taufan A, Rezky Ratnasari
Golden Ratio of Data in Summary Vol. 3 No. 2 (2023): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v3i2.706

Abstract

This study aims to analyze the impact of service quality on customer satisfaction at Sabar Restaurant in Soppeng Regency, Indonesia. With the increasing competition in the culinary sector, service quality has become a key factor in attracting and retaining customers. This research uses a quantitative approach with a descriptive method, where primary data was obtained through questionnaires and interviews with 99 visitors to Sabar Restaurant, selected through accidental sampling from a total of 18,000 visitors over the past six months in 2023. The variables studied include physical evidence, reliability, responsiveness, assurance, and empathy, and their impact on customer satisfaction. Multiple linear regression analysis was used to test the relationship between these variables. The results show that physical evidence, reliability, and responsiveness do not significantly affect customer satisfaction, although they are expected as standard service features. However, empathy has a positive and significant influence, highlighting the importance of a good relationship between the company and its customers in creating satisfaction. These findings suggest that restaurant managers should focus more on empathy in their services to enhance customer satisfaction and loyalty.
Understanding Financial Risk Dynamics: A Qualitative Inquiry into Credit, Market, and Operational Risks in Banking, Investment, and Corporate Sectors Sapiri, Muhtar
Golden Ratio of Data in Summary Vol. 5 No. 2 (2025): February - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i2.719

Abstract

This qualitative study explores the dynamics of financial risk management, specifically focusing on credit, market, and operational risks within the banking, investment, and corporate sectors. The research investigates the interconnected nature of these risks, their implications for risk management practices, and their impact on systemic stability. The research methodology involves a comprehensive review of existing literature and qualitative interviews with experts in the field. Thematic analysis is employed to identify recurring themes and patterns within the data. The findings highlight the intricate interconnections between different types of risks and underscore the importance of adopting integrated risk management frameworks. The analysis shows that events associated with one kind of risk can have far-reaching implications for others, amplifying overall risk exposures and vulnerabilities. The study emphasizes the need for a holistic approach to risk management that considers the interdependencies between credit, market, and operational risks. The implications for risk management practices, regulatory frameworks, and systemic stability are discussed, highlighting the significance of enhancing operational resilience and promoting collaboration between academia, industry, and regulatory bodies. Overall, the research contributes to a deeper understanding of financial risk dynamics and provides insights for enhancing risk management practices within the economic system.

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