<div><table cellspacing="0" cellpadding="0" align="center"><tbody><tr><td align="left" valign="top"><p>The development of technology has accompanied the development of a freer and more open means of information. Everyone from all over the world can interact both one way and two ways with various interests. E-Commerce is one of the activities sponsored by technological developments in the era of globalization. One of the payment systems in e-commerce is using a joint account, a payment method for buying and selling goods online using third-party facilities to help create safe and comfortable conditions. In this paper, we will discuss sellers' legal protection in the use of joint accounts in e-commerce. The party that makes a breach of promise of transactions in e-commerce, the seller, one of the parties in the joint account, can legally be protected.</p></td></tr></tbody></table></div>

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Aggression is interpreted as a behavior that aims to hurt others physically and verbally. This study used quantitative approach through correlational method to find out the influence of spiritual intelligence (SQ) to the aggressiveness in university students. Students' aggressiveness was measured using adapted aggression questionnaire, while SQ was measured using the adapted spiritual intelligence scale. The sample technique used proportional random sampling technique and data analysis used regression test through SPSS 22. The findings of the research suggest that spiritual intelligence has a positive and significant effect on students' aggressiveness. The research results point out that SQ among the students encourages God spot activation. God spot leads students to show ideal behavior and find peaceful solution for every problem. God spot makes students crave on the transcendence; as the consequence, the deep love, peaceful, unity of existence arise in students' mind and behavior. The peaceful behavior significantly decreases students' aggressiveness Abstrak: Agresi sering diartikan sebagai suatu perilaku yang bertujuan untuk menyakiti orang lain baik secara fisik maupun verbal. Penelitian ini menggunakan pendekatan kuantitatif, teknik penelitian yang digunakan adalah teknik korelasional untuk mengatahui pengaruh kecerdasan spiritual terhadap agresivitas mahasiswa. Agresi diukur dengan menggunakan hasil adaptasi dari skala aggression questionnaire dan kecerdasan spiritual yang diukur menggunakan skala yang diadaptasi dari skala SQ (spiritual quotient). Teknik sampel pada penelitian ini menggunakan proportional random sampling dan teknik analisis data dilakukan melalui uji regresi sederhana menggunakan SPSS 22. Berdasarkan temuan peneliti, kecerdasan spiritual berpengaruh positif dan signifikan terhadap agresivitas mahasiswa Hasil penelitian menunjukkan bahwa kecerdasan spiritual pada mahasiswa mendorong pengaktivan god spot. Titik tuhan yang disebut god spot menyebabkan seseorang bersikap idealis dan mencari solusi atas problem yang ada. God spot membuat seseorang berhasrat pada sesuatu yang lebih tinggi (transenden), sehingga muncul rasa cinta yang mendalam, rasa damai yang mendalam, rasa kesatuan eksistensi, dan keindahan yang mendalam. Keinginan untuk berperilaku damai akan menurunkan agresivitas mahasiswa.

Buying and selling transactions, both services and goods, are growing rapidly along with technological developments. The profession of financial planning has been in great demand by the public in recent times, but this is inseparable from the existence of disputes which result in losses for consumers. Misappropriation of authority and violations committed by financial planning companies violate consumer rights. The Financial Services Authority has also yet to supervise because financial planners are not included in the financial sector. This research examined legal protection for financial planning consumers through supervision based on safety, certainty, and benefit principles. A statutory approach supports the normative juridical method and uses secondary data. The results of the study show that legal protection for consumers of financial planning companies is based on Article 10 letter c of Law Number 8 of 1999 on Consumer Protection, Articles 103 and Article 104 of Law Number 8 of 1995 on Capital Markets, Article 28 of Law Number 19 of 2016 on ITE, Article 378 and Article 372 of the Criminal Code and Article 1365 of the Civil Code.