Selling Transaction Research Articles

The Influence of Barcode Scanning Payment System on Customer Satisfaction in Buying and Selling Transactions in Indonesia and India

In this era of digitalization, everything has changed, especially in the payment system. The payment system most often used in businesses involves barcode scanning, and this trend is skyrocketing. This research aims to test and analyze the effect of barcode scanning payment systems on customer satisfaction in Indonesia and India, focusing on systems such as QRIS in Indonesia and BharatQR and UPI QR in India. This study is quantitative research. Data was collected by distributing questionnaires to 50 respondents in India and 57 respondents in Indonesia, totaling 107 respondents. The independent variables are ease of use, trust, efficiency, usefulness, and safety, while customer satisfaction is the dependent variable. The data was analyzed using SPSS. The results exhibit that efficiency and security significantly impact customer satisfaction, while ease of use, trust, and usefulness do not affect customer satisfaction. These findings enrich the theory of customer satisfaction and provide valuable suggestions for financial regulators

GIVING A MARRIAGE DOWRY IN JURIDICAL, SOCIOLOGICAL, AND PHILOSOPHICAL PERSPECTIVES

The research aims to provide a comprehensive analysis of the obligation to provide dowry in marriage at the time of the marriage contract from a juridical, sociological, and philosophical perspective. This research is normative legal research (Doctrinal Research) with an interdisciplinary approach. The results of the research state that legally dowry is not a pillar of marriage, therefore negligence in its implementation does not cause the marriage to be annulled and valid, however, the dowry must still be given by the prospective husband to the prospective wife either in full or in part in cash or postpone it. Sociologically, because the law is always dynamic, the application of dowry is adjusted to local community habits. The essence is that dowry does not burden men and also does not degrade women. Philosophically, giving a dowry is not just at a transactional and materialistic level, but a dowry is essentially a form of seriousness and love as well as the groom's appreciation for the bride he will marry. Therefore, women must accept the dowry happily as a respect for their dignity and not interpreted as a buying and selling transaction against themselves.

PERLINDUNGAN KONSUMEN TERHADAP TRANSAKSI DALAM SOCIAL-COMMERCE DI INDONESIA

The purpose of this research is to analyze consumer protection against transactions that occur on social-commerce platforms in Indonesia, which are reviewed from the legal relationship between business actors, consumers, and social-commerce platforms (TikTok Shop and Instagram Shopping) and to analyze electronic transactions on social-commerce electronic systems. whether it has fulfilled the principles of consumer safety and security. The type of research used by the author is a normative legal research type. The approach in this research uses the Statute Approach and a Conceptual Approach. The results of the research obtained that the legal relationship that exists on TikTok Shop is TikTok Shop as a third party that bridges the buying and selling transactions carried out by business actors and consumers. Meanwhile, in Instagram Shopping, the legal relationship that exists is between business actors and consumers, the role of Instagram Shopping is only as a page for business actors and consumers to meet. TikTok Shop and Instagram Shopping have several weaknesses in protecting consumer safety and security in carrying out transaction activities in their applications.

Evaluasi Penerapan Sistem Informasi Akuntansi Pendapatan Kas Terhadap Pengendalian Intern pada Pemandian Air Panas Pariban

In information systems accounting income cash and internal control there needs to be a good procedure in a company that has been set. The gap between any duty unit-unit organization to separate functions, duty, and responsibilities of each employee as, parking lot, ticketing, café, restaoran, and lodging. Cash income is computerized so that the company can know the amount of income each month because it is able to present data on each income and expenditure transaction completely and accurately. The purpose of this study is to find penelitin how accounting of this information in at pariban hot springs . And to know that the implementation of the internal control have walked with the applicable regulation or not. Research sites as the object of this research is in pariban hot springs. Review at this research is cash income. Method collection method used is research filed literature and methods. And the method of analysis of data on research kualitatif this is the method. Based on the discussion this research result we can conclude that the system of cash revenues at pariban hot springs systematically has been running well. The event bagian-bagian selling transaction services have been able to coordinate well in completing the transaction.

Comparison of Indonesian and Hungarian Laws Regarding Errors in Persona in Land Buying and Selling Transactions

ABSTRACT Purpose: This research aims to determine the comparison of legal implementation between 2 (two) countries that adhere to a civil law legal system in viewing the issue of error in person. With the main aim of providing insight and potential solutions to overcome the problem of default and error in person, this research contributes to solving the challenges encountered in this domain. Methodology: This research employed normative research methods through a case approach and a comparative approach, both for Indonesia and Hungary. Results: The results of this research demonstrated that the 2 (two) legal perspectives of Indonesia and Hungary both have quite significant similarities in viewing a default or error in person. The decision made by the judge in the decision above can actually still be prosecuted if the person concerned wishes to do so. However, it could be considered inaccurate and could be even more detrimental to the defendant. Hence, the legal considerations applied are deemed appropriate. Applications of this study: This research’s findings can be used to analyze legal comparisons between 2 (two) countries and the judge's considerations regarding error in persona in breach of contract disputes with Decision Number 59/PDT/2021/PT SMR. Novelty/Originality of this study: Undoubtedly, each country has a different view on issues that harm certain parties in the agreement or default; likewise, with formal defects in the form of errors in persona. Therefore, more in-depth research is needed on legal comparisons in 2 (two) countries and judges' considerations regarding errors in persona. Such research contributes to a comprehensive understanding of how legal systems address these issues, facilitating better decisions and potentially encouraging harmonization or convergence of legal practice across jurisdictions. Keywords: Agreement, Default, Error in persona ABSTRAK Purpose : Penelitian ini bertujuan untuk mengetahui komparasi pelaksanaan hukum diantara 2 (dua) negara yang menganut sistem hukum civil law dalam memandang persoalan error in persona. Dengan tujuan utama memberikan wawasan dan solusi potensial guna mengatasi masalah wanprestasi maupun error in persona. Penelitian ini sebagai kontribusi pada penyelesaian tantangan yang dihadapi dalam domain ini. Methodology : Penelitian ini menggunakan metode penelitian normatif melalui pendekatan kasus dan pendekatan komparatif, baik terhadap negara Indonesia ataupun Hungaria. Results : Hasil penelitian ini menunjukkan bahwa 2 (dua) perspektif hukum antara Indonesia dan Hungaria, keduanya memiliki kesamaan yang cukup signifikan dalam memandang suatu wanprestasi maupun error in persona. Pengambilan keputusan oleh hakim dalam putusan diatas sebenarnya masih bisa dituntut jika yang bersangkutan menghendakinya, akan tetapi dapat terbilang kurang tepat dan bisa saja semakin merugikan bagi pihak tergugat. Oleh karena itu, pertimbangan hukum yang diterapkan terbilang sudah tepat. Applications of this study : Hasil penelitian ini dapat digunakan untuk menganalisis terkait komparasi hukum diantara 2 (dua) negara dan pertimbangan hakim terkait error in persona pada sengketa wanprestasi dengan Putusan Nomor 59/PDT/2021/PT SMR. Novelty/ Orginalty of this study : Permasalahan yang merugikan pihak tertentu dalam perjanjian atau wanprestasi, tentunya dalam hal itu setiap negara memiliki pandangan yang berbeda. Begitu juga dengan cacat formil berupa error in persona. Oleh karena itu, diperlukan penelitian lebih mendalam terhadap komparasi hukum dalam 2 (dua) negara dan pertimbangan hakim terkait error in persona. Penelitian semacam itu guna berkontribusi pada pemahaman yang komprehensif tentang bagaimana sistem hukum menangani masalah ini, memfasilitasi keputusan yang lebih baik dan berpotensi mendorong harmonisasi atau konvergensi praktik hukum di seluruh yurisdiksi. Keywords: Perjanjian, Wanprestasi, error in persona

Application of Import Used Clothing Buying and Selling Transactions in Indonesia Under the Review of Article 47 Paragraph (1) of Law Number 7 of 2014 Concerning Trade.

Application of Import Used Clothing Buying and Selling Transactions in Indonesia Under the Review of Article 47 Paragraph (1) of Law Number 7 of 2014 Concerning Trade.

Ratio Decidendi Dari Putusan Mahkamah Agung Nomor 2086 K/Pid.Sus/2023 Terhadap Penjual Dan Pembeli Jual Beli Konten Pornografi

The author raises a case from the Supreme Court Decision Number 2086 K/Pid.Sus/2023 with the defendant Gusti Ayu Dewanti with the pseudonym Dea Onlyfans who was proven to have legally violated a criminal act of pornography or committed a criminal act of pornography by offering and selling pornographic content on the onlyfans site. The author needs to consider in more depth the Ratio Decidendi or Consideration of the Judge who some time ago just handed down a decision on this case, considering the decision given to the litigants and also the decision made by the defendant and witnesses which was decided by the judge in relation to the case, one of the buyers in this case, one of the famous comedians, Marcel Widianto, was not involved in a crime. He was one of the buyers who indirectly supported what the defendant was doing. From this case, it was found that the existing law is unclear/vague under existing supervision, where someone who has supported a buying and selling transaction by purchasing pornographic content on social media can be free from criminal law. The impact that will occur if this happens in the future, many buyers or purchasers of pornographic content will have more opportunities to carry out their activities. This can also worsen the standards that apply in Indonesian society because the influence of explicit entertainment is very detrimental to the country's ethics, both adults and children. Therefore, the author wants to examine the formulation of the problem, namely, what is the Decidendi Ratio from the Supreme Court Decision Number 2086 K/Pid.Sus/2023 regarding Sellers and Buyers of buying and selling pornographic content?

Analysis of Cybercrime Potential in E-Commerce Buying and Selling Transactions

Analysis of Cybercrime Potential in E-Commerce Buying and Selling Transactions

Tinjauan Aspek Hukum Terhadap Perlindungan Bagi Konsumen dalam Transaksi Jual Beli Online(E-Commerce)

Differences in Results Regarding Legal Protection for Consumers When Carrying Out Online Buying and Selling Transactions. Identify legal protection for customers during e-commerce transactions based on UUPK. 2. Identify legal protection for customers during UUITE e-commerce transactions. This research was conducted to determine the legal aspects of legal protection for consumers when carrying out online buying and selling transactions. Normative juridical research methodology, also known as library research. Both UUPK and UUITE have not been fully implemented to regulate electronic buying and selling transactions. Many consumers still do not receive their rights when they become victims of errors in online buying and selling transactions. The main factors that make it difficult for consumers to obtain legal protection from relevant authorities are also influenced by a lack of socialization and consumer understanding. With current technological advances, it is hoped that businesses, consumers and related bodies will be more aware of better legal protection for all parties.

The Application of Khiyar Principles to E-Commerce Transaction: The Islamic Economy Perspective

This essay seeks to analyze the utilization of khiyar in e-commerce transactions within the context of Islamic economics. The principle of khiyar allows individuals to exercise the option to either proceed with or terminate a transaction. This theory is applicable to various types of buying and selling transactions, including those conducted in the realm of e-commerce. This study employs a normative legal methodology with an Islamic economic perspective, which is evaluated descriptively. The data was gathered through an extensive analysis of literary sources, including journal articles, books, journals, legal documents, and other relevant references pertaining to the topic of discussion. Islamic economic theory is applied as an analytical framework to examine the concept of khiyar (option) in the context of buying and selling in e-commerce transactions in Indonesia. The research findings indicate that the utilization of khiyar in e-commerce transactions, in accordance with the Islamic law, is permissible as long as it adheres to the prerequisites and fundamental principles of buying and selling. These include honesty, fairness, and the absence of any fraudulent elements. However, if harm is inflicted upon one of the parties involved, the transaction becomes unlawful. In the Islamic law, there is a rule stating that all forms of muamalah transactions are permissible, as long as there are no contradictory arguments prohibiting them. The contract and payment mechanisms in e-commerce transactions are considered to be in accordance with Islamic law and contain benefits, also in line with the opinion of the ulama in the fatwa of the Indonesian Ulema Council. From an Islamic economic standpoint, engaging in e-commerce transactions for buying and selling is sufficient to contribute to the nation's economic expansion, particularly benefiting the middle class and streamlining transactions.

Praktik Jual Beli Sistem Agensi pada Agen Herba Penawar Alwahida Indonesia di Kota Balikpapan dalam Perspektif Ekonomi Syariah

Sharia economics is an economic system that occurs after economic principles become its working guidelines, influenced or limited by Islamic teachings. There are problems with the large number of agents and consumers, such as not practicing buying and selling using an agency system according to the provisions set by HPAI. The agency sells HPAI products to agents and consumers at the same price. This is because there are some agents who shop at agencies, but sometimes the agency forgets to enter the agent's membership number, which has an impact on prices that should be discounted but become normal prices. The method in this research is using qualitative research with the Field Research type and using a case study approach. The data collection technique is observation, interviews and documentation, the data analysis technique used is first condensing the data, then presenting the data and finally drawing conclusions from the data, as well as using techniques data validity. The results of the research are that the practice of buying and selling the agency system at the Herba Penawar Alwahida Indonesia agent in Balikpapan from a sharia economic perspective namely murabahah contract, where the agency tells the initial price when buying and selling, as well as the product it is sold using herbal ingredients and has transparency in its processing, so that sharia economic values ​​can truly be implemented in the buying and selling transaction process for Herba Penawar Alwahida Indonesia products.

JUAL BELI ONLINE DROPSHIPPING DALAM PERSPEKTIF FIQIH MUAMALAH KONTEMPORER

This research tries to uncover online buying and selling with a dropshipping system. Buying and selling online with a dropshipping system is a business selling products where the seller or dropshipper does not have to own the product to be sold. Dropshipping can also be interpreted as a buying and selling transaction system where the dropshipper can determine the price of an item that is not owned, but after receiving an order for goods from the dropshipper buyer directly buys goods from the supplier and sells them to the buyer according to the price determined by taking advantage of the difference the purchase price from the supplier with the selling price to the buyer. The dropshipping system in buying and selling online fulfills the requirements and pillars of the legality of buying and selling according to Islamic law. Buying and selling online dropshipping in its implementation is carried out with two contracts, namely the salam contract and the wakalah contract and also by modifying the consent and qabul. This conclusion is based on the author's conclusions and studies on the practice of buying and selling online with the dropshipper system. The method used in this study is a qualitative analysis method through library research with a descriptive normative approach.

Legal Protection and Settlement of Electronic Buying and Selling Transaction Disputes Regarding Goods Not Conforming to Orders

<p>Abstract</p><p><em>Online buying and selling transactions, which are a development of buying and selling activities, are a form of binding agreement for both parties, but are carried out using internet facilities and are carried out without any direct interaction from both parties. This research aims to examine and analyze the law regarding a problem in society regarding online buying and selling transactions that result in goods not being ordered. The research method used in this research is a qualitative juridical method in which an existing problem is analyzed using legal source materials. The results and conclusions in this research are that the development of e-commerce in Indonesia is regulated in Law no. 11 of 2008 concerning Information and Electronic Transactions, and Law Number. 8 of 1999 concerning Consumer Protection regulates consumer protection, and forms of resolution of problems regarding online buying and selling can be resolved through court or outside court such as mediation and arbitration.</em></p><p class="TableParagraph"><strong><em>Keywords: </em></strong><em><em>Legal Protection; Dispute Resolution; Online Buying and Selling; Inappropriate Items</em></em></p>

Implementasi Khiyar Dalam Jual Beli Sistem Pre Order Online Pada Aplikasi PT Wook Global Technology Cabang Jambi Dalam Meningkatkan Kepuasan Pelanggan

Khiyar is the right to choose to continue or cancel a buying and selling transaction. However, buying and selling in today's society is different from buying and selling in ancient times. In the online buying and selling transaction process, there is a high possibility that undesirable risks will arise from both the seller and the buyer, in this way the right of khiyar or choice becomes very important. The purpose of this research is to find out how khiyar is implemented in the online pre-order system buying and selling on the PT application. Wook Global Technology Jambi Branch in increasing customer satisfaction. The type of research used in this research is a descriptive qualitative method. Data collection techniques consist of observation, interviews and documentation. The data obtained by researchers was analyzed in three steps, namely data reduction, data presentation and data verification. The research results show that the implementation of khiyar in the online pre-order system buying and selling on the PT application. Wook Global Technology Jambi Branch has many non-conforming objects in practice which have implemented khiyar even though in terms of knowledge and literacy they understand or understand khiyar. In the wook application, the khiyar practice applied is khiyar 'aib. Khiyar conditions, khiyar ta'yin, khiyar ru'yah and khiyar that have not been implemented are khiyar majlis.

Design of Unified Modeling Language Information System for Motorcycle Unit Selling and Buying Transactions using the Waterfall Method

This research aims to design an information system for buying and selling motorbike units using the Waterfall method. The information system for buying and selling motorbike units has an important role in supporting motorbike sales business activities, from ordering to the payment process. The design of this system was carried out by following the Waterfall method approach which consists of several stages, namely requirements analysis, system design, implementation, testing and maintenance. The needs analysis stage involves identifying business and system user needs, including required functions and system requirements. Next, system design is carried out by designing the structure, interface and transaction process flow using the notation and methods provided by the Waterfall method. In implementation, an information system for buying and selling motorbike units is developed based on the design that has been created. Then, testing is carried out to verify the success of the system in carrying out its functions and ensure conformity with the specified needs. After that, the system is ready for use and maintenance is carried out to maintain the performance and reliability of the system on an ongoing basis. By applying the Waterfall method in designing a motor unit buying and selling transaction information system, it is hoped that it can produce a system that is structured, has functions that suit business needs, and is tested overall. The Waterfall method also allows developers to have a clear understanding of each design stage before moving on to the next, thereby minimizing the risk of errors and deficiencies in the system.

Sharia Economic Review of Gold Selling Price Determination

This research aims to find out how Sharia Economic Review on Determining Gold Selling Prices (Case Study at the Cempaka Indah Gold Shop, Talang Babat Village). and the results of this research; First, gold traders have a very strong position in the marketing mechanism for gold buying and selling transactions because the level of stability of the gold business is very stable. In this gold buying and selling transaction, gold traders carry out price dualism. The price of gold sold by traders to buyers is always very different from the price of gold sold by buyers to traders. Second, the price of gold for consumers is always higher than the standard price because gold as jewelry is more expensive because of the aesthetic value and complexity of the jewelry design. Third, the government never sets the price of gold so respondents' answers are still very ambiguous. Because they do not yet understand the dominance and power of gold traders in marketing mechanisms and gold price movements. Fourth, the practices carried out by East Tanjung Jabung Marketing to increase or decrease the price of gold are not in accordance with Islamic law

Islamic Business Ethics in Fiqh on the Transaction of Corn Crops by Estimation System in Nagari Sumanik, Salimpaung District, Tanah Datar Regency

Muamalah is a human activity that cannot be separated from life, which aims to obtain income and fulfil life's needs in order to achieve a better life. The Principles of Islamic Business Ethics was analyzed to find how it affects the income earned by farmers. It aims to add to the khazanah literature in the field of muamalah in particular. One of them is the trade relationship (buying and selling), which is encountered in daily life. Buying and selling activity is a form of muamalah transaction recommended by Islam. People often do it easily, without knowing whether the buying and selling transactions carried out are contrary to muamalah fiqh. Therefore, in its process, the pillars and conditions must be fulfilled to avoid voiding and damaging the transaction as happened in the practice of buying and selling corn by estimation in Nagari Sumnaik. The objectives of this study are to find out the buying and selling process, its practice, and the Islamic Business Ethics perspectives of muamalah fiqh on buying and selling corn with the estimation system. The method used descriptive qualitative sourced from primary and secondary data. Data collection techniques were through interviews, documentation, observation. The data analysis method used qualitative descriptive analysis. The results of this study indicated that the buying and selling process of corn with estimation system in Nagari Sumanik is not valid because there are conditions that are not fulfilled according to Islamic provisions, as well as the unfair element of compulsion in setting prices and not given the right khiyar if something unwanted happens in the estimation buying and selling transaction.

A house purchase transaction that has been paid in full but the sale and purchase deed has not been executed by PPAT, resulting in losses for the buyer (Case Study Number: 15/Pdt.G/2023/PN.Gdt)

This research examines the juridical aspects of the collateral object of the credit agreement that was entered into by the developer and has been sold in full to the buyer. The research background involves the complexity of property transactions, where house ownership certificates are often used as collateral for credit loans. However, cases of non-compliance and fraud by developers and Notaries/PPATs can be detrimental to buyers, especially in cases that occurred at Feros Estate Housing, Pesawaran Regency, Lampung Province. The problem of this research is: What is the legal protection for home buyers whose objects have been guaranteed in advance by the developer to the bank (Case Study Number: 15/Pdt.G/2023/PN.Gdt)? and Legal consequences that arise between the home buyer and the bank as a result of the object having become a collateral object in the banking credit agreement (Case Study Number: 15/Pdt.G/2023/PN.Gdt)? The research method used in this research is a normative and empirical juridical approach using secondary and primary data. Next, the analysis is carried out qualitatively. As a discussion in this research, there is legal protection for home buyers whose objects have been guaranteed in advance by the developer to the bank based on Case Number: 15/Pdt.G/2023/PN.Gdt, namely: The existence of a Land Deed Making Officer (PPAT) Professionals are the main guarantors in ensuring accuracy, legal security and high professionalism in every transaction. PPAT has a big role, starting from checking the legality of documents to making a Sale and Purchase Deed (AJB), which provides legal certainty to buyers. Legal protection for home buyers does not only depend on the seller, but also on PPAT's obligation to provide complete information, check the legality of documents, and ensure the transaction process complies with established standards and regulations. Next is a discussion of the research regarding the legal consequences that arise between the home buyer and the bank as a result of the object having become a collateral object in a banking credit agreement based on Case Number: 15/Pdt.G/2023/PN.Gdt, namely: In a house buying and selling transaction with objects pledged as collateral to the bank, it can be concluded that the situation involves a complex series of risks and legal consequences. Several parties such as buyers, sellers, PPAT, and banks may face legal action depending on their role and contribution in the transaction. In house buying and selling transactions with objects pledged as collateral to the bank, high vigilance and the involvement of professional parties are required to mitigate legal risks that may arise. Preventive measures and awareness of legal aspects are very important to ensure the smoothness and validity of property transactions. The suggestions in this research are: The legal protection provided to home buyers in home buying and selling transactions is considered to be inadequate in protecting and providing rights for the community, especially prospective home buyers, the process is still quite complicated and many people didn't know it. So the relevant authorities, such as BPN, can increase supervision and carry out internal audits of PPAT. This is done in order to help and ensure that PPAT carries out its duties properly and provides maximum legal protection. Furthermore, the Government can do several things to reduce legal consequences, one of which is strengthening consumer protection regulations related to property transactions, especially when involving banks or PPAT.

Konsep Hutang Piutang dalam Ekonomi Islam : Kajian Qs. Al-Baqarah Ayat 282 dalam Perspektif Tafsir Al-Qur’an Al-Azhim Karya Ibnu Katsir

Debt is a transaction in which two people voluntarily give money to another person and then return it to them in the same way. This study aims to determine how Ibnu Katsir views the concept of accounts payable and receivable from an Islamic economic perspective. Although we know that debts and receivables are permitted, Islam advises its followers to avoid debts as much as possible, regardless of whether they can afford to buy something with cash or not when they are in limited economic conditions. Because debt is always a heavy burden and threatens morality. Rasulullah saw. once refused to pray for the body of someone who owed a lot of debt to his family and did not have the means to pay it. As explained in the Koran, recording or writing is the first step in debt and receivable transactions. This research uses library research methods with an interpretive science approach using the tahlili method. The results of this research show that people who owe money are obliged to tell the clerk about the debt they admit because they are worried that there will be fraud against those who owe it. If it is a buying and selling transaction, it is permissible not to record or write down the transaction. Furthermore, there is a need for fair witnesses. In terms of testimony, Ibnu Katsir stated that being a witness is fardlu kifayah or not mandatory for the person concerned unless there is another person who can replace his position

Financial Technology and Poverty Alleviation in Indonesia During the COVID-19 : Impact Evaluation Analysis

The COVID-19 pandemic has brought significant changes, especially to each country's economic and financial sectors. Economic growth in Indonesia experienced a contraction entering mid-2021. This also impacted limiting economic activity, decreasing household consumption, unemployment risk, and increased poverty. In addition, there are changes in people's behavior, such as digital financing systems, non-cash payment systems, and online buying and selling transaction systems. Efforts to improve the economy are encouraged by stimulating people's economic productivity through adaptation to digital technology developments, especially using digital finance. However, the development of digital finance needs to be supported by public financial literacy and inclusion so that it can positively alleviate poverty. This study aims to analyze the impact of financial technology lending on poverty in Indonesia during the COVID-19 pandemic using instrumental variable analysis (IV) for 2019-202. The results of the study show that fintech lending has a negative effect on the poverty rate. However, it is not significant when other variables are added. E-commerce and the use of credit cards have a negative and significant impact on the poverty rate in Indonesia. In maximizing the role of Fintech in Indonesia, support and cooperation from the government, financial institutions, and various relevant stakeholders are needed.