International Journal Of Humanities, Social Sciences And Business (INJOSS)
INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS) | ISSN (e): 2962-6781 is a scientific journal that publishes articles in the fields of humanities, social sciences, and business. Starting Volume 3 Number 2 Year 2024 to access the INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS) Humanities include: Language and Linguistics, History, Literature, Performing Arts, Philosophy, Religion, Fine Arts. Social Science fields of Science include: Economics, politics, Anthropology, Sociology, Psychology, Geography, Cultural and Ethical Studies, Gender and Sexuality Studies, Area Studies, Archeology, and other related fields. Business field includes conceptual ideas in the fields of Economics, Accounting, Management, and business
THE INFLUENCE OF COMPUTERS ON CREATIVE INDUSTRIES AND THE DEVELOPMENT OF DIGITAL ART
Computers have revolutionised the creative industry and digital art by introducing sophisticated software and hardware, such as Adobe Creative Suite and graphic tablets, which allow artists to create works of high quality and incredible detail. New technologies such as virtual reality (VR) and augmented reality (AR) have transformed the interaction between artists and artworks, enabling creation in three-dimensional spaces and more immersive interactive experiences. In addition, networking and cloud technologies facilitate global collaboration and efficiency in art production, while innovations such as blockchain and NFTs offer new ways to distribute and protect digital artworks. This combination of advanced tools, technologies and educational resources is fuelling rapid growth and transformation in the digital art world.
Copyright (c) 2025 International Journal Of Humanities, Social Sciences And Business (INJOSS)
SOCIAL MEDIA AS A UNIFYING OR DIVIDING TOOL? A SOCIOLOGICAL ANALYSIS
In the digital era, social media has become one of the main components in the life of the global community. This article analyses the role of social media from a sociological perspective, with the aim of understanding whether social media serves more as a unifying or dividing tool for communities. On the one hand, social media has the ability to bring together individuals from different parts of the world, form solid communities based on shared interests and values, and facilitate social mobilisation and solidarity campaigns. On the other hand, it can also deepen social polarisation and fragmentation through algorithms that create echo chambers, as well as the spread of disinformation and hateful content that fuels social conflict. Thus, social media is a double-edged sword that requires critical understanding and appropriate policies to maximise its potential as a unifying tool, while reducing its risk as a divisive tool.
STRATEGIES FOR HANDLING BULLYING IN EDUCATION
Bullying is a serious problem that continues to plague educational environments at various levels. This phenomenon negatively affects students' physical, emotional and academic well-being. This study aims to examine various effective strategies in dealing with bullying in schools. The research method used was literature review. The main strategies include the development of a comprehensive anti-bullying policy, staff and student training, implementation of evidence-based prevention programmes, and creation of a positive school culture. The results showed that a combination of these strategies can significantly reduce the incidence of bullying and increase students' sense of safety at school. The study concludes that addressing bullying requires long-term commitment and co-operation from all relevant parties to create a safe and supportive learning environment for all students.
EVALUATION OF THE IMPLEMENTATION OF PUBLIC SERVICE STANDARDS IN PUBLIC ADMINISTRATION
Public Service Standards are an important component in efforts to improve the quality of state administration. This research aims to evaluate the implementation of Public Service Standards in various government agencies. The method used includes a literature study. The evaluation results show that the implementation of these standards has brought improvements in terms of transparency and efficiency of public services. However, there are still some obstacles such as limited resources and differences in understanding among government officials. This research concludes that despite the progress, there is still a need for continuous efforts to optimise the implementation of the Public Service Standard.
THE POTENTIAL USE OF COMPUTERS IN ONLINE LEARNING IN THE DIGITAL ERA
The development of digital technology has opened up great opportunities for the use of computers in online learning. In this digital era, computer becomes a very important tool in supporting distance teaching and learning process. The use of computers in online learning allows wider access to education, increases learning flexibility, and provides a variety of rich learning resources. Through various applications and learning platforms, students can interact with the subject matter more dynamically and interestingly. However, the use of computers in online learning also presents challenges such as the need for adequate infrastructure and improved digital skills for teachers and students. Nonetheless, the potential of computers in supporting online learning is huge and can bring positive changes in education in this digital era.
THE ROLE OF SOCIAL ORGANISATIONS IN EMPOWERING MARGINALISED COMMUNITIES
Social organisations play an important role in helping disadvantaged communities. They work to improve the lives of people who are often overlooked or have difficulty getting help. The activities of social organisations include providing direct assistance, skills training, and trying to make changes in government policies. Despite facing many challenges, social organisations continue to strive to make a difference. They often work with governments and other groups to achieve their goals. The success of social organisations not only helps individuals, but can also improve society as a whole. The role of social organisations is invaluable in building a more just and prosperous society. They provide hope and support to those most in need, helping to create opportunities for people to better their own lives.
OPTIMISING PRODUCTION EFFICIENCY THROUGH LEAN MANAGEMENT IN MANUFACTURING INDUSTRY
The application of Lean Management in the manufacturing industry is an effective strategy to improve production efficiency by reducing waste, improving quality, and speeding up production time. In this context, Lean Management focuses on eliminating non-value-adding activities and encourages flexibility and adaptability to changing market demands. The application of this methodology not only cuts operational costs, but also fosters a culture of collaboration and continuous improvement within the company. However, the success of Lean Management is highly dependent on the commitment of top management and the active participation of all employees in facing the challenges of organisational change. With the support of effective communication and strong leadership, manufacturing organisations can maximise the benefits of Lean Management and increase their competitive advantage in the global market.
DATA SECURITY IN COMPUTERS: AN INTRODUCTION TO THE CONCEPT OF ENCRYPTION
Encryption is a vital process in computer data security that converts open information into encrypted text to protect it from unauthorised access. The process relies on the use of complex algorithms and decryption keys that ensure that only authorised parties can access the information. Encryption security is crucial in this digital age to maintain privacy and protect the information assets of organisations and individuals during data storage and transmission. However, the implementation of this security faces challenges such as secure key management, selection of robust and efficient algorithms, and complying with regulations related to the use of encryption technology. With continuous development and multi-stakeholder engagement, encryption-based data security can be continuously strengthened to deal with dynamic cyber threats.
CYBER SECURITY CHALLENGES IN THE AGE OF DIGITALISATION: HOW CAN COMPUTERS BE PROTECTED?
In the era of growing digitalisation, cybersecurity challenges have become critical issues that require serious attention from individuals and organisations. Various types of cyber threats such as ransomware, phishing, and DDoS attacks are increasingly sophisticated and diverse, demanding a comprehensive and proactive approach to digital asset protection. Ensuring computers are protected requires a combination of up-to-date security technologies such as antivirus, firewalls, data encryption, and multifactor authentication, as well as strict security policy implementation and ongoing education. Success in meeting these challenges also depends on adaptability and rapid response to dynamic threats, with the development of effective emergency response plans. The right combination of technology, policy and operational preparedness will provide robust and responsive protection amidst the complexity of today's digital landscape.
EMPLOYEE COMPETENCY DEVELOPMENT: THE KEY TO ORGANISATIONAL SUCCESS IN THE 21ST CENTURY
Employee competency development is key to organisational success in the 21st century, which is characterised by intense global competition and rapid technological change. High employee competence not only improves efficiency and productivity but also drives innovation and adaptation to change. Investment in employee development contributes to labour satisfaction and retention, reduces recruitment and training costs, and creates a positive work culture. In addition, good employee competence also reflects on the organisation's reputation, building trust and customer loyalty. As such, employee competency development is a strategic investment that supports the stability, sustainability and achievement of an organisation's business objectives.
CHILD CARE POLICY: PROTECTING CHILDREN FROM ABUSE, NEGLECT AND EXPLOITATION
The Child Care Policy is a series of measures and rules established by the government and relevant stakeholders, which aim to protect children's rights, ensure their safety, and prevent acts of violence, neglect, and exploitation against children. This policy includes prevention, protection, and case handling efforts, and aims to create a safe and supportive environment for children's growth and development. Thus, the Child Care Policy is an important initiative that aims to protect children from abuse, neglect and exploitation. With effective implementation, the Child Care Policy is expected to significantly reduce cases of child abuse, neglect and exploitation, and contribute to the formation of a better future generation.
PRO-CHILD POLICY: SAFEGUARDING THE NEXT GENERATION FROM THE THREAT OF VIOLENCE, NEGLECT AND EXPLOITATION
Pro-child policy is an important initiative in protecting and ensuring the welfare of the nation's next generation from the threat of violence, neglect and exploitation. A pro- child policy is a set of measures, regulations, programmes and initiatives designed and implemented by governments, institutions or organisations with the primary aim of protecting, promoting and fulfilling children's rights. It focuses on the best interests of children in various aspects of life, including health, education, security and well-being. The ultimate goal is to create a safe, supportive and conducive environment for children's optimal growth and development, and to protect them from various forms of abuse, neglect and exploitation. Pro-child policies include efforts to strengthen child protection systems, improve access to basic services, and ensure children's participation in decisions that affect their lives. With that, effective and sustainable pro- child policies not only protect children from immediate threats but also contribute to the long-term development of human capital, which is critical to the progress and sustainability of a nation.
ANALYSING THE APPLICATION OF GOOD GOVERNANCE PRINCIPLES IN PUBLIC ADMINISTRATION
This study aims to analyse the application of good governance principles in public administration and its impact on the effectiveness of public services and public trust. Good governance, which includes the principles of transparency, accountability, public participation, and responsibility, is identified as a key factor that can improve government performance. Through literature analysis and case studies, this research found that the application of good governance principles has a positive impact in reducing corruption, improving administrative efficiency, and strengthening the legitimacy of government policies. In addition, the research also revealed that active public participation in the decision-making process enriches policies with a more inclusive and relevant perspective. Accountability and transparency mechanisms have proven effective in building public trust and minimising abuse of power. The results show that public administrations managed based on the principles of good governance are better able to face complex development challenges with sustainable solutions.
THE IMPACT OF WORK-LIFE BALANCE ON EMPLOYEE PERFORMANCE AND RETENTION: A META-ANALYTIC ANALYSIS OF EMPIRICAL STUDIES
The relationship between work-life balance, employee performance, and retention is an area of great importance to researchers and practitioners in the domain of organisational behaviour. This literature review is to measure the impact of work-life balance on employee performance and retention. The results of this study indicate suggest that organisations that invest in work-life balance practices can expect to see better employee outcomes and a competitive advantage in talent management. The study also identifies gaps in the current literature and recommends directions for future research, emphasising the need for longitudinal studies and consideration of moderating variables such as gender, age, and cultural differences. The results of this study have practical implications for human resource policy, emphasising the need for companies to adopt comprehensive work-life balance programmes to improve employee well-being, organisational commitment, and performance.
LITERATURE REVIEW: PERSPECTIVES ON RELIGIOUS MODERATION IN MULTICULTURAL SOCIETIES
This research examines the perspective of religious moderation in a multicultural society and its impact on social harmony. Religious moderation, which emphasises the values of tolerance, mutual respect and interfaith dialogue, is considered an effective approach in dealing with potential conflicts arising from differences in religious beliefs and practices. Through inclusive education, the involvement of moderate religious leaders, and the support of government policies that favour pluralism, religious moderation can be strengthened and implemented more effectively. Despite challenges such as media influence and narrow religious interpretations, cooperation between various stakeholders was identified as a key factor in overcoming these obstacles. The results of this study show that a religious moderation perspective is not only essential in mitigating conflict, but also in building a peaceful and tolerant society amidst cultural and religious diversity.
SUSTAINABLE EDUCATION: STRATEGIES AND POLICIES FOR DEVELOPING HIGH-IMPACT LEARNING PRACTICES
This study aims to explore strategies and policies that can support the development of high-impact learning practices in the context of continuing education. The research method in this study is the literature review method. The results show that the key to success in implementing sustainable education lies in improving teacher competence, integrating technology in learning, and implementing a flexible and inclusive curriculum. Supportive policies such as the provision of adequate educational infrastructure, support for educational innovation and the establishment of an inclusive learning environment are also important factors in achieving these goals.
Development of High Impact Learning Practices.
THE APPLICATION OF RESTORATIVE JUSTICE IN MINOR HEALTH LAW OFFENCE CASES
The application of restorative justice in health law misdemeanour cases presents a more humanist and recovery-oriented alternative approach to the traditional justice system. It emphasises dialogue and conflict resolution through cooperation between perpetrators, victims and communities, in order to reach mutually beneficial solutions. Restorative justice in the context of health law aims to repair relationships, increase understanding, and promote improvements in the quality of health services. While offering many potential benefits, the application of this concept faces significant challenges such as a lack of understanding and awareness and the need for clear regulations. Therefore, the successful implementation of restorative justice relies heavily on synergistic support from the government, health institutions, professional organisations, and the community in creating a conducive environment and providing adequate education and training.
THE INFLUENCE OF SOCIAL ECONOMIC LAW ON SUSTAINABLE DEVELOPMENT: AN ANALYSIS BASED ON A LITERATURE REVIEW
Social economic law plays an important role in promoting sustainable development by regulating economic activities to align with social and environmental goals. Through various legal instruments, social economy law can direct economic behaviour to pay more attention to social and environmental aspects, and encourage the adoption of sustainable business practices. However, the effectiveness of social economy law in promoting sustainable development depends on consistent implementation and enforcement, as well as synergy and collaboration between various stakeholders. This literature review highlights the importance of social economy law as an effective legal framework to realise inclusive, equitable and sustainable development, with balanced attention to economic, social and environmental aspects.
THE DYNAMICS OF SOCIAL ECONOMIC LAW: A THEORETICAL AND PRACTICAL EVALUATION THROUGH LITERATURE REVIEW
Social economic law is a branch of law that regulates the relationship and interaction between economic and social aspects of society. It focuses on policies and regulations that aim to achieve a balance between economic growth and social justice, as well as ensuring the protection of vulnerable groups and the reduction of economic inequality. The results of this study show that despite the challenges, well-implemented social economy law can be an effective tool to achieve a more just and prosperous society with adaptive and inclusive strategies.
EMPOWERING UMKM THROUGH DIGITAL MARKETING: A LITERATURE REVIEW
The empowerment of Micro, Small and Medium Enterprises (MSMEs) through digital marketing is becoming an increasingly relevant topic in the context of technological development and globalisation. The purpose of this literature review is to understand the impact and benefits offered by digital marketing for MSMEs. The literature analysed shows that digital marketing allows MSMEs to reach a wider market at a lower cost than traditional methods. In addition, digital marketing provides the ability to target audiences more specifically, as well as providing analytics tools to monitor marketing performance in a timely manner. Another advantage identified is the improvement of MSME entrepreneurs' skills and knowledge of digital technology, which in turn increases their capacity and competence in innovating and developing products. By utilising digital marketing, MSMEs can become more competitive and resilient in the face of fast-changing market dynamics. This digital transformation not only supports inclusive economic growth but also strengthens the overall MSME business ecosystem, positively contributing to their sustainability and future development.
THE EFFECT OF ENTREPRENEURSHIP EDUCATION ON IMPROVING THE CAPABILITIES OF UMKM: A LITERATURE STUDY
This study aims to examine the effect of entrepreneurial education on improving the capabilities of Micro, Small and Medium Enterprises (MSMEs). In the context of a dynamic global economy, MSMEs play a vital role in economic growth, job creation and innovation. However, MSMEs face various challenges including limited access to resources, managerial knowledge, and technology. Entrepreneurial education is positioned as an important tool to overcome these challenges and improve the capabilities of MSMEs. This research uses the literature study method by compiling and analysing data from various bibliographic sources related to the topic. The results show that entrepreneurship education has a significant influence on improving the managerial, operational, financial and strategic capabilities of MSMEs. It provides new insights, expands networks, and facilitates the adoption of innovations and technologies. This research underscores the importance of policies and programmes that support the development of entrepreneurship education as a strategic measure to strengthen the MSME ecosystem. The practical implication of the findings is the need for interventions designed to provide entrepreneurial education and training inclusively to MSME owners and managers, so that they can contribute to the achievement of sustainable economic growth.
THE ROLE OF CORPORATE SOCIAL RESPONSIBILITY IN BUILDING A POSITIVE IMAGE OF THE COMPANY: A LITERATURE REVIEW
In the era of globalisation and increasing socio-environmental awareness, CSR has become an important component of corporate business strategy. This study uses the literature method. The results show that CSR has a significant impact in shaping the company's positive image, provided that the CSR programme is implemented authentically, strategically, and sustainably. The study also identified key factors in the success of CSR, including alignment with corporate values, transparency, stakeholder engagement, and effective communication. The findings provide valuable insights for business practitioners and researchers in understanding the strategic role of CSR in building and maintaining a positive corporate image in an increasingly complex and competitive business environment.
THE ROLE OF DATA AND ANALYTICS IN MODERN POLITICAL CAMPAIGNS: A LITERATURE REVIEW ON EFFECTIVENESS AND ETHICS
Advances in information technology have changed the way political campaigns are conducted, enabling the use of big data and advanced analytics to understand and influence voters. The review in this research uses the literature method. The results show that the use of data and analytics can improve campaign efficiency and the effectiveness of political messages. However, there are also ethical challenges such as privacy concerns, the risk of manipulation, and the potential for increased political polarisation. In conclusion, although data and analytics provide great opportunities to improve campaign strategies, their use must be balanced with appropriate ethical and regulatory considerations.
RELIGIOUS OPENNESS AND HUMANE VALUES: A CALL FOR UNITY IN A MULTIFACETED WORLD
Religious openness emerges as a beacon of hope and a vital call for unity in a world characterized by unprecedented diversity and interconnectedness. This abstract explores the profound importance of religious openness in fostering humane values and harmonious coexistence within multifaceted societies. Religious openness encapsulates embracing and respecting diverse religious beliefs, practices, and identities while upholding the principles of religious freedom and tolerance. It is a cornerstone of social cohesion and peace, particularly in regions like Indonesia, where religious diversity is a defining characteristic. This paper delves into the historical context of religious pluralism in Indonesia, highlighting the nation's rich tapestry of beliefs and practices while acknowledging the challenges of religious extremism. It underscores the pivotal role of education, youth engagement, and media literacy in shaping attitudes and fostering religious openness. Moreover, the abstract emphasizes the implications for policy and practice, advocating for educational reforms, interfaith dialogue, and international collaboration. It also underscores the need for further research to assess these initiatives' long-term impact and draw valuable lessons from comparative analyses with other nations facing similar challenges. In conclusion, this abstract underscores that religious openness is not a mere aspiration but a moral imperative in a multifaceted world. It calls upon individuals, communities, and nations to embrace religious diversity, promote humane values, and work towards unity, recognizing that a more inclusive and harmonious future is within reach through religious openness.
EXPLORING THE COMPLEX RELATIONSHIP BETWEEN IDEAL BODY WEIGHT AND LIFE EXPECTANCY: IN-DEPTH ANALYSIS OF HEALTH, GENETICS, AND SOCIOECONOMIC FACTORS
This study delves into the intricate relationship between ideal body weight and life expectancy by analyzing the factors of health, genetics, and socioeconomic conditions. The research background is rooted in the growing awareness of the significance of health and improved quality of life. The primary aim is to understand how ideal body weight can influence an individual's life expectancy while identifying the impacts of health, genetics, and socioeconomic factors within this relationship. The study employs an interdisciplinary approach, combining health, genetics, and socioeconomic data. The analysis findings will uncover the complex link between ideal body weight and life expectancy. The research will also discuss the effects of health factors like dietary patterns and physical activity, as well as the role of genetics in determining longevity. Additionally, the study will outline the influence of socioeconomic factors such as education and income on life expectancy. By delving into this relationship, the research can offer valuable insights for developing public health policies and better understanding how individuals can achieve longer and higher-quality lives through appropriate weight management while considering the involved health, genetics, and socioeconomic factors.
SOCIAL CHANGE IN MENSERE VILLAGE TEBAS DISTRICT SAMBAS REGENCY
Every individual has unlimited interests, interests that influence aspects of social life can result in social change in society. Humans think and are able to work to do something that ultimately brings change to the surrounding environment. One of the causes of social change is the desire to adapt to the environment in order to become advanced and not miss out on the latest issues. This research aims to find out how social changes have occurred in Mensere Village, Tebas District, Sambas Regency. This research uses a qualitative approach with descriptive research type. The results of the research show that there are changes that have occurred in Mensere Village, Tebas District, Sambas Regency. This is proven by several social changes that have occurred. First, changes in norms in society. Second, people's lifestyles directly or indirectly follow foreign cultural lifestyles due to the influence of social media. Third, population changes are increasing every year, which if life's needs cannot be met, it will have a negative impact on the economy, education, ecology and others. Fourth, there is a change in buying and selling transactions that people currently carry out, namely online transactions via social media
THE EFFECT OF POLISI RW IMPLEMENTATION IN ACCELERATING SETTLEMENT OF CRIME/ POLICE REPORT: METRO JAYA POLICE DEPARTMENT EXPERIENCE
This study aims to analyze the effectiveness of Polisi RW in accelerating the process of handling crime cases handled in the jurisdiction of the Metro Jaya Regional Police, the reason for choosing the quantitative study is because the concept of Polisi RW has been supported by several concepts, namely Community Policing, Hotspot Policing and Predictive Policing so that quantitative measurements need to be made so that it is clearly visible its effectiveness in certain periods. This study uses quantitative methods with pseudo-experiments, data collection techniques using secondary data on crime handling reports in all areas of the Metro Jaya Resort Police in the January-February 2023 period as pre and as post period March-April 2023. In addition to the difference between the pre and post ranges, researchers also took measurements in the period March-April 2022 with March-April 2023 as comparison data. This study was analyzed using paired sample t-test and cohen's effect size. Test results on differences in the number of crime reports for the period before and after the implementation of RW Police p-value = 0.043, cohen's effect size of 0.541; The number of crime reports for the period March-April 2022 with March- April 2023 found p=value 0.037, Cohen's d= 0.507. There is an influence of RW police on accelerating the process of handling cases and Polisi RW can effectively be used as one of the steps in facilitating case handling in the community, especially Polda Metro Jaya. Re-measurement is required after 6 months of application.
ADAPTIVE AI FRAMEWORK FOR DYNAMIC SHARIA COMPLIANCE IN INDONESIAN ISLAMIC FINANCE: AN ETHICAL AND RELIGIOUSPERSPECTIVE
This study explored the development and application of an adaptive AI framework for dynamic Sharia compliance within the Indonesian Islamic finance sector, all from an ethical and religious perspective. Our investigation was grounded in the historical evolution of Sharia compliance principles in Indonesia, recognizing the nuanced shifts and factors influencing these changes over time. We conducted an in-depth examination of the current landscape of AI in Islamic finance globally and assessed its adoption within the Indonesian context. We focused on how AI technologies can effectively address the challenges posed by the evolving interpretations of Sharia principles. The core of this research centered on developing a specialized AI-powered Sharia compliance framework. This framework was designed to be flexible and responsive to changes in Sharia regulations and principles, ensuring ongoing compliance while adhering to ethical and religious guidelines. We also scrutinized the ethical and religious implications of deploying AI in the Islamic finance sector, considering the perspectives of scholars, practitioners, and religious authorities. Additionally, we delved into the existing legal and regulatory framework surrounding AI applications in Indonesian Islamic finance. Our study featured case studies of Indonesian Islamic financial institutions that have adopted AI-driven compliance systems. These case studies provided valuable insights into the real-world impact of AI on ethical practices and religious adherence within the industry. Ultimately, our findings shed light on the potential of AI to facilitate dynamic Sharia compliance while adhering to ethical and religious principles, contributing to the ongoing growth and sustainability of Islamic finance in Indonesia.
ANALYSIS OF MURABAHAH FINANCING IMPLEMENTATION IN REPLANTING OIL PALM PLANTATIONS WEST PASAMAN DISTRICT(Case Study of PPP Perintis West Pasaman Regency)
This research is motivated by problems in murabahah financing in the rejuvenation of oil palm plantations. The aim of this research is to determine and analyze the implementation of murabahah financing in the rejuvenation of oil palm plantations in West Pasaman district and to determine the effect of implementing murabahah financing in the rejuvenation of oil palm plantations in increasing the income of KPS Perintsi members. This research uses a qualitative descriptive type. The data sources in this research are primary and secondary data. Data collection techniques were taken through observation, interviews and documentation. The data analysis techniques are data reduction, data presentation, drawing conclusions. The results of the research obtained by the author show that the use of implementing murabahah financing in rejuvenating oil palm plantations of KPS Perintis members uses Bank Syariah Indonesia funds, namely murabahah loans for which KPS Perintis is channeling. Rejuvenation is carried out independently, except when felling oil palm trunks using the services of contractors using heavy equipment. Technically, the entire implementation of cultivation and financing for rejuvenation of oil palm plantations is from KPS Perintis which is the channeling until the plants produce, KPS Perintis is the person responsible for the loan installments which are deducted from the FFB production every month. The obstacle that occurs in the implementation of murabahah financing for the rejuvenation of oil palm plantations is that when signing the credit agreement for members whose parents have died and the SHM guarantee after changing the names to all the heirs, they have to collect the requirements of all the heirs. All heirs must sign the credit agreement for the disbursement of murabahah contract funds because each heir is domiciled in several regions, districts, and even in other provinces. The solution to this problem is to contact all the heirs whose names are listed in the SHM guarantee to come to the BSI office and there are some heirs who are unwilling or have problems coming to the BSI or KPS Perintis office, so KPS Perintis must go to the location where the heirs live.
ANALYSIS OF FACTORS CAUSING CONVENTIONAL BANK CUSTOMERS TO TAKE OVER TO SHARIA PEOPLE'S FINANCING BANKS(CASE STUDY OF PT BANK FINANCING RAKYAT SYARIAH SUNGAI PUA)
The research carried out by the author was motivated by the existence of customers who paid off their debts and took over to sharia people's financing banks because sharia people's financing banks applied smaller margin limits in carrying out financing so that the installments charged to customers were also small, the interest in conventional banks was not stable makes customer financing installments uncertain. The aim of this thesis is to identify and analyze the factors that cause conventional bank customers to take over to PT Sungai Pua sharia people's financing bank. The method used in this research is qualitative procedures, which produce descriptive data with information from institutions involved in the research object. The factors that cause conventional bank customers to take over to the Sungai Pua sharia people's financing bank are divided into two, namely internal factors and external factors. Internal factors are easy requirements, easy installments and increasing bank income. External factors are the customer's desire to carry out sharia-based financing, fluctuations in interest rates, less than optimal services, persuasion from friends and friends and to get fresh money.