scholarly journals PERTANGGUNG JAWABAN PIDANA CARDING TERHADAP PENGGUNA KARTU KREDIT

2021 ◽  
Vol 14 (2) ◽  
pp. 206-217
Author(s):  
Nur Muchammad Ivan Firmansyah ◽  
Luki Nurfanto
Keyword(s):  
Credit Card ◽  
Criminal Responsibility ◽  
Descriptive Analysis ◽  
Credit Cards ◽  
Customer Data ◽  
Card Number ◽  
Independent Variable ◽  
Authentication System ◽  
Online Stores ◽  
Definition Of

AbstractThe purpose of the study was to determine the form of criminal responsibility and the prevention of carding crimes in Indonesia. The research method used in this study was descriptive analysis. Descriptive because it describes the conditions that become the independent variable and the dependent variable which is the basis of the problems discussed. The definition of carding itself is a form of crime that uses other people's credit cards to spend without the knowledge of the owner. Carding is a form of crime using someone else's credit card number to spend without the knowledge of the rightful owner. Transactions are usually carried out electronically. Carding itself is a criminal act that is illegal interception or physically tapping customer data or credit card owners, meaning to shop at online stores. This mode can occur due to the weakness of the authentication system used to ensure the identity of ordering goods at online stores.Keywords: carding; credit card; criminal liabilityAbstrakTujuan penelitian untuk mengetahui bentuk pertanggungjawaban pidana dan penanggulangan tindak pidana carding di Indonesia Metode penelitian yang digunakan dalam penelitian ini adalah deskriptif analistis. Deskriptif karena menggambarkan kondisi-kondisi yang menjadi variabel independen dan variabel dependen yang merupakan dasar dari permasalahan yang dibahas. Pengertian dari carding itu sendiri adalah suatu bentuk kejahatan yang menggunakan kartu kredit orang lain untuk dibelanjakan tanpa sepengetahuan pemiliknya. Carding adalah bentuk kejahatan menggunakan nomor kartu kredit orang lain untuk dibelanjakan tanpa sepengetahuan pemiliknya yang sah. Transaksi lazimnya dilakukan secara elektronik. Carding sendiri merupakan tindak pidana yang bersifat illegal interception atau menyadap data nasabah atau pemilik kartu kredit secara fisik artunya untuk belanja di toko online. Modus ini dapat terjadi akibat lemahnya sistem otentikasi yang digunakan dalam memastikan identitas pemesanan barang di toko online.

scholarly journals Customer satisfaction level towards credit card

2020 ◽  
Vol 5 (2) ◽  
Author(s):  
Vuong Duc Hoang Quan
Keyword(s):  
Customer Satisfaction ◽  
Correlation Analysis ◽  
Small Proportion ◽  
Credit Card ◽  
Descriptive Analysis ◽  
Credit Cards ◽  
Satisfaction Level ◽  
Large Space ◽  
Independent Variable ◽  
The Relationship

The use of credit card plays a very important role in online purchasing and contributes significantly to the economy of one nation. Due to the under-developed infrastructure and purchasing habit, credit card transaction still takes a very small proportion and promises a very large space to develop. The purpose of this research is to measure customer satisfaction towards the credit cards they are using. Applying the Five Broad Dimensions theory, the research forms a survey that fits into the Five Broad Dimensions. There are two main analyses completed in the research including descriptive and correlation. The descriptive analysis is conducted to point out some specific areas in which banks or card providers need to pay more attention. The correlation analysis is to find out how strong the relationship between each independent variable and the dependent variable. Finally, the conclusion and recommendation will summarize the key findings of the research and give suggestions to the card issuers.

Credit cards preferences of Islamic and conventional credit card

2015 ◽  
Vol 6 (1) ◽  
pp. 72-94 ◽  
Author(s):  
Nuradli Ridzwan Shah Mohd Dali ◽  
Shumaila Yousafzai ◽  
Hanifah Abdul Hamid
Keyword(s):  
Credit Card ◽  
Descriptive Analysis ◽  
Credit Cards ◽  
The Body ◽  
Exploratory Research ◽  
Economic Activities ◽  
Content Type ◽  
Conventional Banks ◽  
Selection Factors ◽  
Selection Of

Purpose – The main aim of this paper is to identify whether certain consumers behave irrationally when it comes to select banking products. This paper builds on one of the most significant banking products that is the credit card. Design/methodology/approach – This is an exploratory research paper. Therefore, only descriptive analysis on the differences between three credit card user groups such as the Islamic credit card users, conventional card users and users who decide to use both credit cards, conventional and Islamic, were presented. Findings – The demographic and psychographic factors for the three different groups differ. In addition, there are four factors that influence the credit card selection. The factors are insurance/takaful provided by the credit issuers, cost associated with the credit card, the reward points programme offered and the convenience factors. Furthermore, the study found that three of the factors except insurance/takaful are significantly different between three credit card groups. Research limitations/implications – This paper is limited to the context of Malaysia and the respondents are mostly from the same ethnic. Therefore, it could not be generalised in the context of other countries and further studies comparing different culture or ethnic could benefit and enrich the topic of study. Practical implications – The Islamic and conventional banks could focus on several factors influencing customers’ selection and could focus to improve certain lacking areas as perceived by the consumers. The ability to increase the perceptions of the consumers regarding their credit cards will enable their products to be chosen in the market. Originality/value – There was a significant amount of literature discussed in the Islamic banking selection factors. However, little attention being paid to the selection of a specific bank’s product. This study offers a study that looks into the selection of the credit card offered by the banks in respect to the irrational behaviours of the religious consumers in economic activities as compared to the conventional economists. This paper will contribute to the body of existing literature of banking selection.

scholarly journals FENOMENA KARTU KREDIT DALAM TINJAUAN HADIS

2021 ◽  
Vol 4 (1) ◽  
Author(s):  
Muhammad Nurzakka
Keyword(s):  
Credit Card ◽  
Basic Problem ◽  
Descriptive Analysis ◽  
Credit Cards ◽  
Analysis Method ◽  
The Past

AbstrakAdanya globalisasi dan modernisasi memicu perubahan besar dalam aspek masyarakat, salah satunya fenomena kartu kredit sebagai alat untuk bertransaksi. Jika dahulu uang fisik adalah instrumen penting dalam suatu transaksi, maka pada era sekarang menjadi lebih praktis dengan uang non fisik. Problem mendasar dari kartu kredit konvensional adalah adanya tambahan bunga yang harus dibayarkan yang dianggap sebagai praktik riba. Tulisan ini membahas bagaimana tinjauan hadis dalam menanggapi fenomena kartu kredit (konvensional) beserta solusinya dengan menggunakan metode deskriptif-analisis. Penelitian ini menyimpulkan bahwa prinsip kartu kredit yang berlandaskan utang-piutang termasuk amalan yang terpuji. Tinjauan hadis memperbolehkan praktik hutang jika memang yakin mampu untuk melunasi serta melarang berhutang untuk maksiat. Jangan sampai dengan kemudahan yang ditawarkan malah membuat seseorang terjebak dalam pola hidup konsumtif dan berlebihan yang dilarang oleh syariat dan hendaknya kartu kredit digunakan untuk hal yang produktif.. Bagi mereka yang sangat membutuhkan penggunaan kartu kredit, hendaknya mengikuti pendapat yang memperbolehkan. Sedangkan bagi mereka yang tidak dalam kondisi darurat, maka sebaiknya menghindari penggunaan kartu kredit mengingat ada indikasi riba di dalamnya (sesuai dengan kaedah al-khuruj min al-ikhtilaf mustahab). AbstractThe existence of globalization and modernization has triggered major changes in aspects of society, one of which is the phenomenon of credit cards as a means of transaction. If in the past physical money was an important instrument in a transaction, in the present era it has become more practical with non-physical money. The basic problem with conventional credit cards is that there is an additional interest that must be paid which is considered a practice of usury. This paper discusses how the hadith responds to the phenomenon credit card (conventional) and its solutions using the descriptive-analysis method. This study concludes that the principle of credit cards based on debts is a commendable practice. The hadith allows the practice of debt if you are sure you are able to pay off and prohibit debt for immorality. Do not let the facilities offered actually make someone trapped in a consumptive and excessive lifestyle that is prohibited by the Shari'a and credit cards should be used for productive things. For those who really need to use credit cards, they should follow permissible opinions. Whereas for those who are not in an emergency, it is better to avoid using credit cards considering that there are indications of usury in them (according to the rules of al-khuruj min al-ikhtilaf mustahab).

scholarly journals Penerapan Model Almuqassah Sebagai Model Alternatif Kartu Kredit Syariah Di Indonesia

2020 ◽  
Vol 2 (3) ◽  
pp. 153-168
Author(s):  
M Irsyad
Keyword(s):  
Qualitative Research ◽  
Research Methods ◽  
Credit Card ◽  
Alternative Model ◽  
Descriptive Analysis ◽  
Credit Cards ◽  
Qualitative Research Methods ◽  
Purposive Sampling ◽  
Quality Of Products

This study aims to find out whether the Islamic credit cards is shariah compliant, and to find out what  if al-muqassah is applied in Indonesia as an alternative model of Islamic credit cards. This study uses qualitative research methods with descriptive analysis. The object of research in this study is the Islamic credit cards model that already exists in Indonesia and the  al-muqassah model. The sample in this study uses purposive sampling, namely officials from the Islamic credit card division at BNI Syariah Jakarta and DSN MUI Officials. Data Obtained from this study through interviews with relevant institutions and documentation. The results obtained from the study indicate that based on that the current Islamic Credit cards products are shariah compliant. Where the benefits provided by Islamic credit cards are in line with shariah objectives, namely maqasid dharuriyyah and maqasid hajjiyyah. However, based on the issue of shariah in the application of existing Islamic credit cards, development is still needed to improve the quality of products, especially from shariah aspects. As for the application of the al–muqassah model in Indonesia, it is very possible as long as it is supported by all parties. 

scholarly journals PENGARUH FAKTOR DEMOGRAFI TERHADAP PERILAKU PENGGUNAAN KARTU KREDIT

2016 ◽  
Vol 4 (2) ◽  
pp. 172
Author(s):  
Mariana Ing Malelak ◽  
Gesti Memarisa ◽  
Njo Anastasia
Keyword(s):  
Data Collection ◽  
Marital Status ◽  
Credit Card ◽  
Descriptive Analysis ◽  
Credit Cards ◽  
Demographic Factors ◽  
Shopping Center ◽  
Card Holder ◽  
Usage Behavior ◽  
Credit Card Usage

Abstract: This study aimed to determine the effect of demographic factors on credit card usage behavior. Demographic factors such as age, gender, income, education, marital status, according to some previous research has significant effect to credit card usage behavior, both it is related with spending activity with credit cards and also the pattern of payments in pay off credit card bills. Sampling was conducted on people  who  live  in  Surabaya, which  has  a  credit  card  either  as  primary and additional card holder. The data collection use questionnaires form, which is distributed to shopping center visitors in Surabaya. Descriptive analysis is used to decribe the demographic factors and credit card usage behavior. SEM-PLS test conducted  to  examine  the  effect  of  demographic factors  such  as  age,  gender, income, education, marital status on credit card usage behavior in Surabaya. The results showed demographic factors (age, income and marital status) significantly affect the credit card usage behavior (in terms of pay off credit card bills) in Surabaya.Keywords: Demographic Factors, Credit card usage behavior.

Analisis Pengaruh Kecerdasan Intelektual Terhadap Kemampuan Akuntansi dengan Kecerdasan Emosional dan Spiritual sebagai Pemoderasi

2018 ◽  
Vol 16 (1) ◽  
pp. 1
Author(s):  
Ria Manurung
Keyword(s):  
Data Analysis ◽  
Graduate Program ◽  
Descriptive Analysis ◽  
Research Result ◽  
Secondary Data ◽  
Spiritual Intelligence ◽  
Primary Data ◽  
Moderating Variables ◽  
Use Of Data ◽  
Independent Variable

Research conducted to obtain empirical evidence how the influence of independent variables of intellectual intelligence to accounting with moderating variables of emotional and spiritual intelligence. The research method used is descriptive quantitative with explanatory descriptive or explanatory research. This method is an explanatory research that proves the existence of causal relationship of independent variable (independent variable) that is intellectual intelligence; moderating variable (emotional and spiritual intelligence); and dependent variable (accounted dependent variable). Research begins by conducting library search, followed by primary data collection conducted by using questionnaires and secondary data through data analysis. And for the use of data analysis consists of descriptive analysis, classical assumption test and verification analysis with the method of Moderated Regression Analysis (MRA). This study is a census study with homogeneous and limited population of 92 students, all students of Accounting Graduate Program at UNSOED. Conclusion of research result that is: (1) Intellectual intelligence have influence either positively or signifikan to accountancy. Thus intellectual intelligence can lead students to more easily understand accounting, (2) Intellectual intelligence can be strengthened by emotional intelligence on accounting both positively and significantly. (3) Spiritual intelligence can strengthen the influence of intellectual intelligence on accounting both positively and significantly.

Consumers‟ Acceptance of „Halal‟ Credit Card Services: An Empirical Analysis

2015 ◽  
Vol 3 (1) ◽  
pp. 51 ◽  
Author(s):  
Zaimy Johana Johan ◽  
Lennora Putit
Keyword(s):  
Perceived Control ◽  
Credit Card ◽  
Credit Cards ◽  
Product Knowledge ◽  
Key Factors ◽  
Developing Nation ◽  
Business Transactions ◽  
Factors Influencing ◽  
Financial Credit ◽  
Survey Questionnaires

Many past researches have been carried out in an attempt to continuously understand individuals‟ consumption behaviour. This study was conducted to investigate key factors influencing consumers‟ potential acceptance of halal (or permissible) financial credit card services. Specifically, it anticipated the influence of attitude, social influences and perceived control on consumers‟ behavioural intention to accept such services. In addition, factors such as religiosity and product knowledge were also postulated to affect consumers‟ attitude towards the act of using halal credit cards for any retail or business transactions. Using non-probability sampling approach, a total of 500 survey questionnaires was distributed to targeted respondents in a developing nation but only 220 usable feedbacks were received for subsequent data analysis. Regression results revealed that religiosity and product knowledge significantly influence consumers‟ attitude toward using halal credit card services.  Attitude in turn, subsequently has a significant impact on consumers‟ intention to accept halal financial credit card services. Several theoretical and managerial contributions were observed in this study.   

PENGARUH GAYA KEPEMIMPINAN, BUDAYA ORGANISASI DAN KEPUASAN KERJA TERHADAP KINERJA PEGAWAI RUMAH SAKIT BHAYANGKARA PADANG

2020 ◽  
Author(s):  
Habibah
Keyword(s):  
Job Satisfaction ◽  
Organizational Culture ◽  
Leadership Style ◽  
Employee Performance ◽  
Descriptive Analysis ◽  
Validity Test ◽  
Instrument Validity ◽  
Independent Variable ◽  
Inferential Analysis ◽  
Coefficient Of Regression

The purpose of this study are: 1) To explain the presence or absence of influence of leadership style, organizational culture and job satisfaction on employee performance at Bhayangkara Padang Hospital. and 2) Measuring the magnitude of influence of leadership style, organizational culture and job satisfaction on employee performance at Bhayangkara Padang Hospital. The samples used in this study were 85 respondents by using saturated sampling. This research is an explanatory research. Data collection techniques are questionnaires. Data analysis techniques using Descriptive Analysis and Inferential Analysis. To know the influence of independent variable to dependent variable partially, used t test. While to know the influence of independent variable to dependent variable simultaneously, used F test. The assumption used in validity test is if R-count> R-table item declared valid. Based on the instrument validity test the influence of leadership style, organizational culture and job satisfaction on the performance of employees known all items declared valid and reliable. The Leadership Regression Coefficient (X1) of 0.608, marked as positive indicates Leadership (X1) influences the direction of Performance (Y), which means that each increase of 1 unit of Leadership (X1) will cause the effect on Performance (Y) of 0.608 The coefficient of regression of Organizational Culture (X2) equal to 0,127, marked positive indicate Organizational Culture (X2) have influence on Performance (Y), meaning every increase of 1 unit of Organizational Culture variable (X2) will cause influence to Performance equal to 0,127 The coefficient of regression of Job Satisfaction (X3) is 0,305, marked as pos itive indicating Job Satisfaction (X3) influential in the direction of Performance (Y), which mean every increase of 1 unit of Job Satisfaction variable (X3) Leadership independent variable (X1) has a significant effect on Performance (Y), Organizational Culture (X2) has a significant effect on Performance (Y), Job Satisfaction variable (X3) has significant effect on Performance (Y). The First Hypothesis (H1), Second Hypothesis (H2) and Third Hypothesis (H3) are proven and accepted.

PENGARUH GAYA KEPEMIMPINAN, MOTIVASI KERJA DAN DISIPLIN KERJA TERHADAP KINERJA PEGAWAI DINAS PEKERJAAN UMUM DAN PENATAAN RUANG KOTA PADANG

2020 ◽  
Author(s):  
Lidya Agusti
Keyword(s):  
Leadership Style ◽  
Spatial Planning ◽  
Work Motivation ◽  
Employee Performance ◽  
Descriptive Analysis ◽  
Public Works ◽  
Cronbach’S Alpha ◽  
Cronbach's Alpha ◽  
Independent Variable ◽  
And Performance

The purpose of this study are: 1. To explain the presence or absence of influence of leadership style, work motivation and work discipline on the performance of employees Public Works Department and Spatial Planning Padang City. 2. Measuring the magnitude of the influence of leadership style, organizational culture and organizational commitment to the performance of employees of Public Works and Spatial Planning Padang City. This research was conducted in August 2017 at Public Works Department and Spatial Planning of Padang City The samples used in this study were 83 respondents. The independent variable in this research is Leadership Style (X1), Work Motivation (X2) and Work Discipline (X3). The dependent variable is Employee Performance (Y) Data collection techniques are questionnaires. Data analysis techniques using Descriptive Analysis and Inferential Analysis. To know the influence of independent variable to dependent variable partially, used t test. While to know the influence of independent variable to dependent variable simultaneously, used F test. The assumption used in validity test is if R-count> R-table item declared valid. The R-arithmetic shown in the table above, from each item indicates that R-arithmetic> R-table so the item is declared valid. Leadership Style (X1), Work Motivation (X2), Work Discipline (X3) and Performance (Y) Valid. All of the research variables had Cronbach's alpha values above 0.70 and thus expressed reliably or reliably. The value of Cronbach's alpha variable Leadership Style (X1) is 0.857, Job Motivation (X2) is 0.813, Job Discipline (X3) is 0.736, and the performance variable (Y) is 0.844. In the hypothesis testing of the study found the result that the significance value of leadership style variable (X1) is with the value (sign β = 0,049, p <0,05), Work Motivation variable (X2) with value (sign β = 0.001 p <0.05) , and Work Discipline variable (Y) with value (sign β = 0,041 p <0,05). With the finding of sign β above mentioned, it is stated that Leadership Style (X1), Work Motivation (X2) and Work Discipline (X3) have a significant effect on performance (Y) of Public Works and Spatial Planning Official of Padang City. The magnitude of the influence of the three variables on the performance of employees of Public Works Department and Spatial Planning Padang City is 27.8% (R2 = 0.278).

Establishing a Working Definition of User Experience for eHealth Interventions: A Scoping Review of Self-Reported User Experience Measures and Delphi Consultation with eHealth Researchers and Adolescents (Preprint)

2020 ◽  
Author(s):  
Amanda S Newton ◽  
Sonja March ◽  
Nicole D Gehring ◽  
Arlen K Rowe ◽  
Ashley D Radomski
Keyword(s):  
User Experience ◽  
Scoping Review ◽  
Descriptive Analysis ◽  
Intervention Development ◽  
Health Condition ◽  
Working Definition ◽  
Perceived Impact ◽  
Behavioural Factors ◽  
Definition Of ◽  
Ehealth Intervention

BACKGROUND Across eHealth intervention studies involving children, adolescents, and their parents, researchers have measured users’ experiences to assist with intervention development, refinement, and evaluation. To date, there are no widely agreed-on definitions or measures of ‘user experience’ to support a standardized approach for evaluation and comparison within or across interventions. OBJECTIVE We conducted a scoping review with subsequent Delphi consultation to (1) identify how user experience is defined and measured in eHealth research studies, (2) characterize the measurement tools used, and (3) establish working definitions for domains of user experience that could be used in future eHealth evaluations. METHODS We systematically searched electronic databases for published and gray literature available from January 1, 2005 to April 11, 2019. Studies assessing an eHealth intervention that targeted any health condition and was designed for use by children, adolescents, and their parents were eligible for inclusion. eHealth interventions needed to be web-, computer-, or mobile-based, mediated by the internet with some degree of interactivity. Studies were also required to report the measurement of ‘user experience’ as first-person experiences, involving cognitive and behavioural factors, reported by intervention users. Two reviewers independently screened studies for relevance and appraised the quality of user experience measures using published criteria: ‘well-established’, ‘approaching well-established’, ‘promising’, or ‘not yet established’. We conducted a descriptive analysis of how user experience was defined and measured in each study. Review findings subsequently informed the survey questions used in the Delphi consultations with eHealth researchers and adolescent users for how user experience should be defined and measured. RESULTS Of the 8,634 articles screened for eligibility, 129 and one erratum were included in the review. Thirty eHealth researchers and 27 adolescents participated in the Delphi consultations. Based on the literature and consultations, we proposed working definitions for six main user experience domains: acceptability, satisfaction, credibility, usability, user-reported adherence, and perceived impact. While most studies incorporated a study-specific measure, we identified ten well-established measures to quantify five of the six domains of user experience (all except for self-reported adherence). Our adolescent and researcher participants ranked perceived impact as one of the most important domains of user experience and usability as one of the least important domains. Rankings between adolescents and researchers diverged for other domains. CONCLUSIONS Findings highlight the various ways user experience has been defined and measured across studies and what aspects are most valued by researchers and adolescent users. We propose incorporating the working definitions and available measures of user experience to support consistent evaluation and reporting of outcomes across studies. Future studies can refine the definitions and measurement of user experience, explore how user experience relates to other eHealth outcomes, and inform the design and use of human-centred eHealth interventions.

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