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Tamrin Fathoni
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INDONESIA
Journal of Creative Power and Ambition (JCPA)
Published by Edujavare Publishing
ISSN : *     EISSN : 30314054     DOI : https://doi.org/10.70610/jcpa.v1i01
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Creative Power and Ambition (JCPA) (E-ISSN 3031-4054) is a blind peer-reviewed journal published by Edujavare Publishing, Indonesia. This journal publishes research articles, conceptual articles, field study reports and book reviews on all scopes of Business Innovation and Creation, Economy, Business Development and Growth Strategy, Social Entrepreneurship, Risk and Finance Management, Marketing and Market Penetration, Product and Service Development, Technology Entrepreneurship and Innovation, Psychological Aspects and Leadership, Environmental Influence and Policy, Performance Measurement and Success (See Focus and Scope). This journal article is published four times a year; 2 issues per year (June and December).
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 515 Documents
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Legal Protection for Consumers in Cross-Border E-Commerce Transactions: An International Private Law Analysis of Jurisdiction and Choice of Law Ulfa Afriani; Sinta Herlinda; Ahlun Nazi Siregar
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 01 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jcpa.1117

Abstract

Cross-border electronic commerce enables consumers to purchase goods and services from businesses located in other countries, but it also creates legal uncertainty when disputes arise over defective products, non-delivery, misleading information, payment, or unfair contractual terms. This article examines the legal protection of consumers in cross-border e-commerce through the perspective of international private law, focusing on international jurisdiction and the determination of applicable law. It uses doctrinal legal research with statutory, conceptual, and comparative approaches. The analysis considers Indonesian consumer and electronic transaction legislation alongside the European Union’s Brussels I Recast and Rome I frameworks, relevant Hague instruments, and international soft-law standards. The study finds that consumer protection depends not only on substantive rights but also on whether consumers can bring claims before an accessible court and rely on mandatory protections that cannot be waived through standard-form terms. The European Union provides a relatively structured protective model through consumer jurisdiction and choice-of-law rules, particularly where a trader directs commercial activities to the consumer’s country. Indonesia recognizes electronic contracts and requires specified contractual information, including choice-of-law provisions, but cross-border enforcement and coordination of jurisdiction remain challenging. The article argues for a consumer-oriented connecting factor based on the consumer’s habitual residence where the trader purposefully targets that market, limits on pre-dispute forum and law-selection clauses, stronger platform accountability, and accessible cross-border dispute resolution. These measures can improve predictability while preserving legitimate party autonomy.
Influence of Work Pressure and Work Stress on Employee Productivity at the Palm Oil Mill of PT Mitra Andalan Sawit, Barakkang Village, Central Mamuju Regency Nadira Nadira; Tamin Tamin; Retno Ayu Puspita S; Muhammad Arsyad; J Fuji Inzani SL
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 02 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jcpa.1119

Abstract

This study aims to analyze the effect of partial and simultaneous work pressure and work stress on employee work productivity at the Palm Oil Mill of PT Mitra Andalan Sawit, Barakkang Village, Central Mamuju Regency. The type of research used is associative quantitative research. The population in this study is all factory operational employees totaling 96 people, using the total sampling technique (saturated sample) so that the research sample amounted to 96 respondents. Data collection was carried out using a questionnaire with the Likert Scale. The data analysis technique used multiple linear regression analysis, t-statistical test (partial), statistical test F (simultaneous), and determination coefficient (R2) with the help of the SPSS program. The results showed that work pressure partially had a positive and significant effect on employee work productivity with a t-value (6.196) > t table (1.986) and a significance value of 0.000 < 0.05. Similarly, work stress partially had a positive and significant effect on employee work productivity with a t-value of (8.386) > t table (1.986) and a significance value of 0.000 < 0.05. Simultaneously, work pressure and work stress were proven to have a significant effect on employee work productivity with an F value of (52.434) > F table (3.09) and a significance value of 0.000 < 0.05. In addition, the acquisition of a determination coefficient (R2) value of 0.530 indicates that the variables of work pressure and work stress contribute an influence of 53.0% to the variation in employee work productivity, while the remaining 47.0% is influenced by other factors outside this study model.
Sharia-Value-Based 7P Marketing Mix in the Marketing of Rahn Products Maulidiah Amirul; Sulastri; Amirah Nur Adilah Al-Aidid
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 02 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jcpa.1450

Abstract

This study is motivated by the growing demand for fast, secure, and accessible Islamic financial services, particularly gold pawning (rahn). However, customer growth remains constrained by limited product understanding, concerns about ujrah fees, promotional effectiveness, and service quality. Previous studies have largely examined customer interest or marketing strategies separately, leaving limited research integrating the 7P Marketing Mix with Islamic marketing management values in rahn services. This study aims to analyze marketing strategies for increasing customers at Pegadaian Syariah Hasanuddin Branch, Gowa, Makassar. A qualitative field research design was employed, collecting data through observation, in-depth interviews, and documentation involving seven informants, including branch management, marketing and service staff, and customers. Data were analyzed through condensation, presentation, conclusion drawing, and verification. The findings indicate that customer growth depends on the synergy of all marketing elements, including accessible products, transparent ujrah fees, strategic locations, digital and direct promotion, friendly staff, simple procedures, and secure facilities. The study’s novelty lies in integrating customer value, trust value, and sharia value. Practically, it recommends educational promotion, cost transparency, staff development, queue management, and digital service innovation to strengthen trust and sustainable Islamic financial literacy.
The Role of Leadership and Work Environment in Shaping Employee Loyalty at Bank ABC, Cikarang Branch Rena Augia Putrie; Dewi Hudiyah; Muhammad Ahimawan Wijaya; Neni Sumarni; Wike Pertiwi
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 02 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jcpa.1975

Abstract

Employee loyalty is one of the important aspects in organizational sustainability, especially in the banking sector that faces performance demands, changes in work patterns, and digital transformation. Loyalty is not only related to employees' desire to stay in the organization, but is also reflected in commitment, dedication, and responsibility in carrying out their work. This study aims to explore the role of leadership and work environment in shaping employee loyalty at Bank ABC Cikarang Branch. The research uses a qualitative approach with a case study method. Informants were selected by purposive sampling by involving 10 employees consisting of branch leaders, deputy leaders, frontliners, and back office employees. Data was collected through in-depth interviews, observations, and documentation, then analyzed using thematic analysis and strengthened through triangulation of sources and methods. The results of the study show that employee loyalty is formed through the interaction between leadership and the work environment. Leadership that is communicative, participatory, supportive, and able to provide exemplary and appreciation encourages the formation of employee trust and commitment. Meanwhile, a comfortable physical work environment and a non-physical work environment characterized by harmonious interpersonal relationships, open communication, and support between employees strengthen employee attachment to the organization. Loyalty is further reflected through organizational commitment, willingness to give additional effort, dedication, and responsibility in completing work. This research confirms that employee loyalty is not formed instantly, but develops through consistent positive work experiences. Therefore, organizations need to strengthen leadership competencies and create a conducive work environment as a strategy to maintain employee loyalty.
Marketing Strategies for Educational Services in Improving Educational Quality at SD Darul Aidam, Kedungdung District, Sampang Regency, in the 2025–2026 Academic Year Siti Aminah
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 01 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jcpa.2027

Abstract

This study aims to describe educational service marketing strategies for improving educational quality at SD Darul Aidam, Kedungdung District, Sampang Regency, during the 2025–2026 academic year. The research is motivated by increasingly intense competition among educational institutions, which requires schools to implement effective marketing strategies to attract public interest and improve educational quality. The study focuses on two aspects: (1) educational service marketing strategies implemented at SD Darul Aidam and (2) supporting and inhibiting factors affecting their implementation in improving educational quality. This study employs a qualitative approach using a case study design. Data are collected through observation, interviews, and documentation, involving the principal, teachers, and educational staff as research informants. Data analysis follows the Miles and Huberman model, comprising data reduction, data display, and conclusion drawing. Data validity is ensured through prolonged engagement, persistent observation, and triangulation. The findings are expected to provide insights into effective educational service marketing strategies and identify factors influencing their implementation. This study is also expected to serve as a reference for educational institutions in developing appropriate marketing strategies to strengthen school competitiveness, improve educational service quality, and enhance public trust.
Criminal Liability of Cybercrime Perpetrators from the Perspective of Personal Data Protection Rahmawati Rahmawati; Syaiful Bahri; Muhammad Abdillah; Benny Karya Limantara
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 02 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jcpa.2097

Abstract

The expansion of digital technologies has increased the collection, processing, and circulation of personal data while creating new forms of cybercrime and challenges to privacy. This study aims to analyze criminal liability for cybercrime perpetrators from the perspective of personal data protection in Indonesia, particularly involving unlawful acquisition, disclosure, and use of personal data. The research employs normative juridical legal research using statutory, conceptual, and case approaches. Primary legal materials include Law No. 27 of 2022 concerning Personal Data Protection, Law No. 1 of 2024 concerning amendments to the Electronic Information and Transactions Law, relevant criminal-law provisions, and judicial decisions. The findings demonstrate that Indonesian law provides a stronger basis for criminal accountability, but liability cannot be established solely from the occurrence of a data breach. It requires precise attribution of unlawful conduct, legally relevant culpability, reliable electronic evidence, and differentiation between individual perpetrators, corporations, and electronic-system providers. The study concludes that personal data protection requires integration of criminal law, cybercrime regulation, corporate liability, and digital evidence. Its contribution lies in proposing an analytical framework for strengthening criminal accountability while maintaining legality, culpability, procedural fairness, and protection of data-subject rights.
Civil Liability of Business Operators for Consumer Losses in Digital Transactions Syaiful Bahri; Martanti Endah Lestari; Syaparuddin Syaparuddin; Rahmawati Rahmawati
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 02 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jcpa.2098

Abstract

Digital transactions have transformed consumer–business relationships while creating increasingly complex risks concerning defective products, misleading information, transaction failures, and uncertainty over responsibility for consumer losses. This study aims to analyze the civil liability of business actors for consumer losses arising from digital transactions in Indonesia, particularly by examining the legal basis of liability, the distribution of responsibility between sellers and marketplace operators, and the legal remedies available to consumers. The study employs normative juridical research using statutory and conceptual approaches. Legal materials were collected through library research and analyzed qualitatively through systematic interpretation, comparison, and synthesis of relevant legal norms and scholarly literature. The findings indicate that civil liability in digital transactions derives from an integrated framework of contractual liability, unlawful acts, statutory consumer protection, and obligations arising from electronic commerce regulations. The analysis further demonstrates that marketplace operators cannot automatically be regarded as legally neutral intermediaries when their functions materially influence transaction security, information disclosure, payment mechanisms, verification, or consumer complaints. Liability should therefore be allocated functionally according to each actor’s legal duties, contractual commitments, conduct, causal contribution, and capacity to prevent or remedy losses. The study contributes a functional and relational framework for strengthening legal certainty and effective consumer redress in Indonesia’s evolving digital economy.
Mapping the Distribution of Poverty and Happiness Areas in East Nusa Tenggara Using the Small Area Estimation Method Clara Margilina Reinamah; Deasy Susana Ratokoni Ndaparoka; Raden Setyo Budi Suharto
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 02 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jcpa.2099

Abstract

Poverty and subjective well-being are related but distinct dimensions of human development. This article outlines a small area estimation (SAE) framework for mapping poverty and happiness profiles across regencies and municipalities in East Nusa Tenggara (NTT), Indonesia. The framework adapts the spatial-analysis approach used in earlier poverty-and-happiness research and identifies the data integration required to produce reliable subprovincial estimates. Publicly available Statistics Indonesia (BPS) data show that the poverty rate in NTT was 19.48% in March 2024 and 19.02% in September 2024; it declined further to 18.60% in March 2025 and 17.50% in September 2025. The provincial Happiness Index was 70.31 in 2021. These published indicators provide context but do not, by themselves, support district-level happiness estimates. The source thesis available for this assignment analyses the Special Region of Yogyakarta, not NTT, and the NTT household microdata and fitted SAE outputs needed to map happiness at small-area level were not supplied. Accordingly, this manuscript distinguishes verified contextual statistics from the proposed estimation workflow and does not invent district-level happiness estimates, model coefficients, standard errors, or map classifications. The framework specifies data harmonisation, model fitting, uncertainty assessment, spatial classification, and validation steps required for a complete empirical article.
Halal Assurance Technology as a Source of Marketing Information: An Integrative Literature Review on the Use of Information Ismaila Tompo; Ahmad Farhan; Mariani Alimuddin; Jangga Jangga; A. Nur Asri Ainun
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 02 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jcpa.2139

Abstract

The development of technology in halal assurance systems has expanded the ability to document, trace, verify, and provide information about the halal status and processes of products. However, the existence of halal information does not by itself explain how consumers use that information to evaluate products. This study aims to integrate literature on halal assurance technology with marketing management and consumer information-processing literature to explain the use of halal information in product evaluation. The study employs a qualitative integrative literature review based on structured library research. The main literature covers research on halal technology, traceability, halal certification and information, consumer behavior, information quality, information diagnosticity, and product evaluation. The analysis was conducted through thematic analysis, cross-study comparison, and integrative synthesis. The synthesis shows that halal assurance technology has a marketing function particularly when it facilitates access to information that consumers can use. Information use depends not only on availability, but also on information quality, usefulness, relevance, credibility, and accessibility. In this process, information diagnosticity can serve as a conceptual mechanism for explaining the extent to which information helps consumers form product judgments and evaluate products. These findings are synthesized into the Halal Technology–Marketing Information Framework (HT-MIF), which connects halal assurance technology, halal information, consumer information evaluation, information diagnosticity, product judgment, and marketing response. This framework is conceptual and has not been empirically tested.  
Normative and Theological Approaches in Islamic Studies Sinta Bella Dinengrat; Jemain; Eka Dirnawati; Eko Nursalim
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 02 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jcpa.2147

Abstract

Normative and theological approaches are important approaches in Islamic Studies for understanding Islamic teachings, values, doctrines, and beliefs based on religious sources. This article aims to explain the concepts, characteristics, scope, methods, strengths, limitations, and relevance of normative and theological approaches in Islamic Studies. This study employs library research by examining relevant books, journal articles, and academic works. The findings show that the normative approach emphasizes the understanding of Islam based on the Qur’an, Hadith, and fundamental principles of Islamic teachings, while the theological approach focuses on issues of God, faith, revelation, prophethood, and the relationship between reason and revelation. Both approaches are related in understanding the religious dimensions of Islam, although they have different areas of focus. In contemporary Islamic Studies, normative and theological approaches remain important for understanding the doctrinal aspects of Islam, but their application needs to be developed dialogically with historical, philosophical, sociological, anthropological, and other interdisciplinary approaches.

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