Card Products Research Articles

The Analysis Of Sharia Conformity To Kafalah Contract and Hasanah Card Products In Islamic Banking

The Analysis Of Sharia Conformity To Kafalah Contract and Hasanah Card Products In Islamic Banking

Disposable indicator card for personal monitoring of solar exposure

Although the Earths atmosphere provides substantial reduction of the incident radiant power in the most harmful spectral ranges, excessive exposure of untrained and/or unprotected human skin to solar radiation can easily result into acute and chronic adverse effects onto human skin. In order to reduce these effects, a simple tool for monitoring the incident radiant dose is proposed. We report on the design, development, lab scale fabrication, calibration and the roll-to-roll printing production of a photosensitive indicator cards intended for personal monitoring of solar exposure to which the user has been subjected. Two types of cards are being discussed. The first one is supposed as high sensitive one with a dose response to 1 and 2 SEDs, the second one is a less sensitive with a dose response to 3 and 4 SEDs. The calibration of the cards was performed with polychromatic simulated solar radiation without determining the spectral response, therefore we refer to the device as indicator card, not dosimeters. Moreover, properties of the photosensitive formulation employed for the fabrication of the indicator are presented alongside with the calibration of the printed indicator to dermatologically relevant values of the received solar exposure dose. Special attention is also paid to the large-scale practical production of such indicators by the roll-to-roll printing technology. Mechanical properties, stability, durability, practical utilisation, and other features are critically assessed.

IMPLEMENTATION OF AN IDENTIFICATION SYSTEM WITH FACIAL IMAGE PROCESSING (EIGENFACE) USING MATLAB APPLICATION

Facial recognition has emerged as a prominent personal identification system, especially in the industrial sector where traditional attendance card machines have been prevalent. However, manual systems pose several drawbacks, including susceptibility to fraud, lack of flexibility, and resource wastage in card production. To address these issues, this research proposes a shift from card-based attendance systems to a facial recognition-based system using MATLAB application. The study aims to design an identification system based on the eigenface method to process facial images. It begins with a thorough literature review to gather relevant references. Subsequently, a specialized MATLAB application was developed for face identification, and its accuracy was tested. The research utilizes trained data consisting of 45 photos and tested data consisting of 15 photos to evaluate the system's accuracy. The test results reveal a 100% accuracy rate in system identification. Notably, the accuracy varies when identifying faces with different background images, indicating the robustness of the MATLAB application. Overall, the findings suggest that MATLAB can effectively implement an image processing attendance system using the eigenface method.

Arduino CNC Hot Wire Cutter

Abstract: In this project, it is intended to make the mechanical design of 3 axis Computer Numerical Control (CNC) router with linear joints, production of electronic control interface cards and drivers and manufacturing of CNC router system which is a combination of mechanics and electronics. At the same time, interface program has been prepared to control router via USB. The router was developed for educational purpose. Design and Development of portable 3-Axis CNC router machine based on microcontroller which was used to reduce cost and complexity of the bulky sized engraving machine. This machine can be used for engraving, cutting, reaming, marking, drilling and milling on wood, acrylic, and PCB materials. Part programming of the required component to be manufactured was done with the help of image processing.

Analisis Strategi Pemasaran Produk Hasanah Card pada Bank Syariah Indonesia (BSI) KC Padangsidimpuan

The Hasanah Card product is one of the products owned by Bank Syariah Indonesia (BSI). Hasanah Card products use mudharabah and musyarakah contracts, namely obtaining profit sharing. However, as the sharia banking sector in Indonesia continues to develop, marketing strategies are needed to face competition, especially in financing products. Marketing is carried out in order to fulfill people's needs and desires for a product or service. This research aims to find out what strategies BSI KC Padangsidimpuan implements in marketing Hasanah Card products. Through a marketing strategy analysis approach, this research tries to identify the factors that influence the marketing success of Hasanah Card and formulate strategic recommendations that can increase the marketing effectiveness of the product. This research uses qualitative methods while the data collection methods used are interviews, observation and documentation. The results of this research show that the Hasanah Card marketing strategy carried out by BSI KC Padangsidimpuan uses a marketing mix system which is usually called product, price, place, promotion.

Strategi Pengelolaan Event, Sponsorhip Dan Patnership Serta Konten Media Sosial Pada PT. Telkomsel Surabaya

PT Telekomunikasi Indonesia Tbk is a company that provides network services. PT Telkomsel Surabaya oversees several card products, namely Telkomsel Postpaid Card, Telkomsel Prepaid Card, and By.U Card. In addition, they also offer modem products such as Orbit and Indihome as part of their sales portfolio. Direct selling is one of the most frequently used promotional and marketing methods by Telkomsel, including organizing events and collaborating with various events through sponsorship and partnerships. This research is written using a descriptive method, analyzing the results directly from the company during the internship period.

Study of the Differentiation of Conventional Credit Card and Sharia Card Products in Sharia Banks

The development of sharia banking in Indonesia has experienced quite significant growth. It is based on the innovation of the credit card product issued by Sharia banking, namely the Syariah Card. This research aims to explain the differences between conventional credit card products and sharia cards regarding mechanism and product use. This research uses a qualitative method with a descriptive approach. The research results found that the differences between conventional credit card products and Sharia cards are in the transaction agreement scheme used, interest and the use of fees (juror) on Sharia cards. The existence of Sharia cards refers to the fatwa of the National Sharia Council of the Indonesian Ulema Council regarding the permissibility of Sharia credit cards No.54/DSN-MUI/X/2006 concerning Sharia Cards. The difference between Sharia cards and conventional credit cards is that Sharia cards are not allowed to charge interest but only remuneration (juror) or fees from each transaction. Conventional credit cards use interest-based because they assume the "time value of money" is money. It is just a medium of exchange that turns into a commodity that can reproduce only because of the opportunity factor of time, without the role of humans who work on it. Sharia banking needs to use this as a reference in making products for the public.

Analisis Penggunaan Akad Kafalah bi Al Ujrah pada Produk BSI Hasanah Card di Bank BSI–KCP UINSA Surabaya

This research aims to find out how the kafalah contract is used in BSI Hasanah Card products. The research method used is a qualitative method using a descriptive approach. The data sources used are primary data and secondary data. Primary data was obtained through a direct interview process with BSI KCP UINSA Surabaya. Secondary data was obtained from various literary sources such as books, journals, articles and other documents that support discussions related to the research theme. The results of this research show that the BSI Hasanah Card is in accordance with sharia principles. BSI Hasanah Card uses three sharia contracts, namely the kafalah bil ujrah, qard and ijarah contracts. The use of the BSI Hasanah Card places restrictions on its users by not being able to use it for types of transactions that are not in accordance with sharia. This can provide a sense of security and eliminate worry for BSI Hasanah Card users from all forms of transactions that contain elements of gharar and usury and are not in accordance with sharia provisions.

Density-Based Spatial Clustering of Applications With Noise (DBSCAN) for Probe Card Production for Advanced Quality Control of Wafer Probing Test

Density-Based Spatial Clustering of Applications With Noise (DBSCAN) for Probe Card Production for Advanced Quality Control of Wafer Probing Test

Rethinking administrative documents’ validity to cutoff greenhouse gas emissions by million tons

Climate change is a multi-hazard challenge for life on earth in all its aspects. Wildfires, pollution, drought and heatwaves are just a few examples of exacerbated environmental crises propelled by climate change effects. To mitigate such effects, urgent actions are required to cutoff greenhouse gas emissions by all the means across all the sectors. Every additional kilogram of greenhouse gases produced unnecessarily should be avoided. One source of greenhouse gas emissions that may not be top of mind for the public and policymakers - and which can be taken into account in preventive environmental policies- is the industry of administrative and identification documents (papers) with short validity dates that involves intensive production (mass printing) and frequent renewals (mass reprinting) while the carbon footprint is too high. The validity of, for example, identity cards, passports, banking cards, driving licenses, etc., is often short ranging from ~ 3 to 10 years, depending on each type of document and issuing country. Short validity dates, however, should raise critical questions regarding the environmental sustainability, societal and carbon impact, and depletion of natural resources used in their production and frequent renewals. Identification documents are not food products that spoil over time or medications that lose their functional activities, so their validity should be unlimited by time in order to avoid the high environmental costs of mass printing/reprinting and high rates of greenhouse gas emissions associated with their production. The production of plasticized ID-type cards can emit up to 100 grams of carbon dioxide equivalent per card. Manufacturing one administrative document per person and renewing it five times could produce up to 4 million tons of carbon dioxide globally. If individuals have five administrative documents that need renewing five times, which is often the case, gas emissions would be five times higher, or approximately 20 million tons of CO2 equivalent. To save such important amounts of gas emissions, a modernization and flexibilization of administrative documents industry is required toward removing validity by date. This simple change could save substantial amounts of energy and natural resources, such as trees and water, while also reducing greenhouse gas emissions by million tons, especially in the pressing context of climate change. It should be time to initiate a paradigm shift in the administrative document industry. Eliminating validity periods is a straightforward yet effective solution that would significantly reduce greenhouse gas emissions and promote sustainable environmental practices.

ANALYSIS OF THE USE OF AKAD KAFALAH BI 'UJRAH ON BSI HASANAH CARD PRODUCTS AT BSI BANK – KCP UINSA SURABAYA

This research aims to find out how the kafalah contract is used in BSI Hasanah Card products. The research method used is a qualitative method using a descriptive approach. The data sources used are primary data and secondary data. Primary data was obtained through a direct interview process with BSI KCP UINSA Surabaya. Secondary data was obtained from various literary sources such as books, journals, articles and other documents that support discussions related to the research theme. The results of this research show that the BSI Hasanah Card is in accordance with sharia principles. BSI Hasanah Card uses three sharia contracts, namely the kafalah bil ujrah, qard and ijarah contracts. The use of the BSI Hasanah Card places restrictions on its users by not being able to use it for types of transactions that are not in accordance with sharia. This can provide a sense of security and eliminate worry for BSI Hasanah Card users from all forms of transactions that contain elements of gharar and usury and are not in accordance with sharia provisions.

Substantiation of the marketing policy of banks on the basis of statistical analysis of the payment card market

Substantiation of the marketing policy of banks on the basis of statistical analysis of the payment card market

Combating economic crime in Ukraine in 1946–1949

The author examines the topical and insufficiently researched in historical and legal science issue of the causes and manifestations of economic crime in Ukraine in the first post-war years (1946–1949) and the main aspects of police activity in combating these types of crimes. The departments for combating theft of socialist property and speculation were responsible for combating economic crime. In 1947, the Department for combating the theft of socialist property of the Main Police Department was reorganised into the Administration. Taking advantage of the consumer goods shortage, which reached its peak in the first post-war years (1946–1949), and the circumstances created by the famine of 1946–1947, criminals stole grain, robbed food and industrial warehouses, and resold goods at inflated prices (speculation). The situation with economic crime was particularly difficult in early 1947, when the sowing campaign was underway. The most common crimes were the following: 1) maliciously delaying the repair of agricultural machinery, allegedly due to the lack of spare parts and specialists; 2) theft of grain during its transportation and sowing by persons responsible for this (weighers, field crew leaders, guards); 3) theft of seeds and fuel by security guards; 4) theft and embezzlement of seeds by officials of collective and state farms and subsidiary farms; 5) theft of seed by reducing the seeding rate and theft of fuel due to lack of control over its consumption; 6) theft of seeds by employees of storage facilities with their subsequent resale at markets at speculative prices; 7) creation of surplus seeds by weighing, moistening, writing off for drying, and increasing waste during sorting. The monetary reform in December 1947 and the abolition of the ration card system reduced the overall number of crimes related to the theft of socialist property to a certain extent, as these measures eliminated such crimes as speculation in food and commodity cards and the production of counterfeit cards and food coupons. In order to improve the situation, the Ministry of Internal Affairs demanded that work on the theft of socialist property be intensified on the ground, and that more active agent work be carried out in this area.

Implementasi Perlindungan Hukum Dan Penyelesaian Perselisihan Transaksi Fraud Bagi Pemegang Kartu Kredit

The aim of this research is to discover, analyze and examine the practice/ implementation of legal protection for credit card holders and forms of consumer protection in resolving fraudulent transaction disputes.
 The research method used in this research is normative juridical using a qualitative approach. Apart from that, a literature approach and a statutory approach are also used which also include a conceptual approach and a case approach.
 Credit cards are a form of innovation in the banking business which is increasingly developing and banking transactions using credit cards are becoming more massive. However, if negligence or fraud occurs, the bank's position is very dominant which will of course prioritize the bank's own interests. Therefore, currently the position and interests of customers have not been properly protected.
 The demand for banks to act professionally while protecting their credit card holders is increasing, thus encouraging banks to adjust their efforts to serve their customers, one of which is by creating innovations while remaining efficient. This is clearly seen in the agreement between the bank and the customer or the provisions regarding the use of bank services or products which are determined unilaterally by the bank, so that in such conditions if a problem arises later it cannot be resolved quickly with clear responsibilities. One example is the Indonesian Supreme Court Decision No.1527 K/Pdt/2015. regarding the Bank Mandiri Tbk case. VS Mr Sutrisno. Based on this decision, even though Mr. Sutrisno had obtained legal protection that had permanent legal force and fulfilled a sense of justice, this was done in approximately 3 (three) years, where previously Sutrisno as a credit card holder had been harmed by a Bank Mandiri credit card product that had never been he uses but has a number of obligations that must be paid.

The Influence Of Celebrity Endorser, Personal Selling And Pricing Strategy On Teenage Customers Response Toward Prepaid Card Products

One of the promotional techniques used to transmit messages and change consumer attitudes is advertising. The appropriate media must be used if messages are to be effectively delivered to customers. The growth of Indonesia's information media has led to an overabundance of advertisements in the news. Television, radio, magazines, newspapers, and other forms of media are utilized. In particular in Indonesia, where consumers are still brand-conscious and brands that have appeared in television advertisements are more well-liked than those that have not, television advertising is still seen as the most efficient method of product promotion. The purpose of this study is to examine adolescent consumer reaction characteristics in relation to price, personal selling activities and salespeople (personal selling), and the usage of celebrities as advertising supports in television media. Multiple linear regression analysis is the method employed. SPSS was used to calculate the analytical process. Purposive sampling methods were used to distribute questionnaires to 100 teenage male and female respondents in Jakarta in order to gather primary data. The results of this research show that the use of celebrity endorsers in television advertising, personal selling, and price has a significant simultaneous and partial effect on the response of teen consumers in Jakarta. The price variable has a dominant influence on the response of adolescent consumers.

ANALYSIS OF THE IMPLEMENTATION OF RISK MANAGEMENT ON BSI HASANAH CARD PRODUCTS

In accordance with sharia law and principles, Bank Syariah Indonesia issues cards called hasanah cards whose functions are similar to credit cards. The financing card product issued by PT Bank Syariah Indonesia has risks in its management. This research aims to determine the mechanism for issuing hasanah card products and to determine the application of risk management in reducing the risk of default or credit risk on hasanah cards at PT Bank Syariah Indonesia KC Medan Ahmad Yani. The method used in this research is a descriptive qualitative method. The data collection techniques that the author uses in this research are interviews and documentation observation. And the data used is primary data from interviews with Hasanah Card at BSI KC Medan Ahmad Yani and secondary data comes from books, journals, brochures and others. The results of this research state that the hasanah card issuance mechanism applies 3 contracts, namely kafalah, qardh and ijarah. The biggest risks are the risk of bad credit and irregularities in payments. However, in overcoming this risk, PT Bank Syariah KC Medan Ahmad Yani implements risk management, namely if there is a delay in payment for the Hasanah Card, a ta'widh fee will be charged, namely by setting a maximum benchmark fee based on the approved card limit, which is called a monthly fee. The nominal monthly fee is 1.75%. Islam prohibits taking profits in buying and selling transactions or lending and borrowing, the application of this hasanah card is in accordance with the National Sharia Fatwa (DSN) No.54/DSN-MUI/X/2006.) Implementation of risk management to reduce the risk of default on hasanah cards in Bank Syariah Indonesia is carried out using a process of risk identification, risk measurement, risk monitoring and risk control which is guided by the 5C principles of Character, Capacity, Capital, Collateral and Condition.

Pengaruh Word Of Mouth Dan Atribut Produk Terhadap Keputusan Nasabah Bank Muamalat Kcp Ponorogo Menggunakan Kartu Shar-E Debit Reguler GPN

In modern times there are still companies that use traditional promotion concepts, one of which is Bank Muamalat KCP Ponorogo which still prioritizes promotion through word of mouth / word of mouth communication, even though in the modern era like today promotions through social media such as Instagram, web, pamphlets and so on that are in great demand and widely used by other companies. In addition, the product attributes on the GPN Regular Shar-E Debit card are still not in accordance with the product attribute theory where there are often problems when used and the card often has errors. However, savings customers using the Regular GPN Shar-e Debit card product at Bank Muamalat KCP Ponorogo continued to increase.The purpose of this study was to determine and analyze the effect of word of mouth and product attributes on purchasing decisions for the Shar-E Debit Regular GPN card product for savings customers at Bank Muamalat KCP Ponorogo.Based on the results of the analysis concluded, word of mouth communication does not significantly affect purchasing decisions, while product attributes have a significant effect on purchasing decisions. However, word of mouth communication and product attributes together have an effect on purchasing decisions.

Telkomsel Halo Product Marketing Communication Strategy at PT. Medan Marelan Regional Office Cellular Telecommunications

Telkomsel is currently improving and strengthening their brand by releasing independent products and products that are widely used by people today. In order for the sales level to reach the target, Telkomsel requires an effective marketing communication strategy in order to satisfy and define consumers. In this study the researchers chose the Halo card product at PT. Telecommunications Seluler Medan Marelan regional office, which can be seen in their high level of sales of their products, one of which is Telkomsel Halo. Based on this background, the question arises how the marketing communication strategy is used in marketing Telkomsel Halo products and what is consumer behavior towards the Halo Telkomsel product. So in this study the aim is to describe the marketing communication strategies used by Telkomsel in marketing Halo products in order to attract and set consumer targets and to know consumer behavior towards Telkomsel Halo products. This type of research is qualitative with a symbolic interaction approach where the data is determined through observation, interviews, and documentation directly in the field. The theory used is integrated marketing communication (IMC) theory. The results of this study can be concluded that the marketing communication strategy used in marketing Telkomsel Halo products at the Medan Marelan regional office uses the theory of integrated marketing communication marketing strategy which consists of 6 components, namely advertising, direct marketing, interactive marketing, sales promotion, public relations and personal selling. In addition, several factors were found that influence consumer behavior towards Telkomsel Halo products, namely internal factors and external factors.

Pengembangan Pteridophyta Smart Card Sebagai Media Pembelajaran Tumbuhan Paku untuk Mengurangi Plant Blindness di Kalangan Mahasiswa

This study aims to produce a development product in the form of Pteridophyta Smart Cards to overcome the high problem of plant blindness, especially ferns in college student. This type of research includes research and development using the modified ADDIE model (Analysis, Design, Development, Implementation and Evaluation). The product developed is then assessed for its feasibility by involving one material expert, one media expert and one design expert using a validation questionnaire. Based on the results of the Pteridophyta Smart Card product development research, it can be concluded that the product is very suitable for use in learning ferns. This is based on the results of the validation of material expert which reached a feasibility percentage of up to 96.67%, media expert 97.06% and design expert up to 94.44%.

Efektivitas Promosi Terhadap Tingkat Penjualan Produk Kartu Halo Pada PT. Telkomsel Di Makassar

The aim of this research is to determine the effectiveness of promotions on the level of sales of halo card products at PT. TELKOMSEL Sul-sel Makassar. The sample in this research is total promotional cost data and sales level data. The analytical method used is correlation coefficient, linear regression. This shows that there is a very strong and positive relationship between the amount of promotional costs and the increase in the number of halo card sales. This can be seen below, namely r = 0.99. This is based on if r is equal to 1 or close to 1, the relationship between X and Y is very strong and positive..