International Journal of Social Sciences, Humanities and Education (IJSSHE)
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Implementasi Strategi Pertahanan Laut Nusantara Dalam Rangka Deteksi Dini Pelanggaran Di Pesisir Garut Jawa Barat Guna Mendukung Pertahanan Negara Di Laut
No full textIndonesia, with its vast maritime territory and abundant water resources, requires substantial efforts to safeguard defense and security. The effective defense strategy of the Indonesian Navy (TNI AL) involves strategically placing naval bases throughout the entire region, demonstrating a deterrent effect to potential adversaries and affirming the presence of TNI AL in the waters of the Republic of Indonesia. The aim of this research is to analyze the implementation of the Maritime Defense Strategy in early detection of threats along the coast of Garut, West Java. This qualitative research adopts a phenomenological approach, utilizing interview, observation, and documentation methods. The findings indicate that the placement of Binpotmar personnel in Cikelet Garut under the jurisdiction of Posal Pangandaran plays a crucial role in responding to the dynamics of local maritime issues. The flexibility and responsibility of Binpotmar demonstrate vital adaptability in responding to incidents at the border. Functioning as the forefront of intelligence and executing maritime operations, the presence of Binpotmar is a strategic step to enhance self-reliance in carrying out operational tasks. The research also emphasizes the optimal utilization of Cikelet Garut's potential, including the well-maintained Dutch legacy docks, through infrastructural improvements and advanced technology. The naval facility in the area can effectively respond to maritime threats, fulfill the 5R criteria in the Southern Region of Java Island, and create a deterrent effect against adversaries. The importance of collaboration with the Garut Regency Government through forkopimda is highlighted as a crucial consideration for TNI AL. Overall, the research underscores the significance of a comprehensive and collaborative approach in maintaining maritime defense and security in the region.
Abstrak
Indonesia, dengan wilayah laut luas, perlu upaya besar untuk menjaga pertahanan dan keamanan. Strategi pertahanan TNI AL yang efektif melibatkan penempatan basis angkatan laut secara strategis di seluruh wilayah, menunjukkan efek pencegahan kepada potensi musuh, serta mengafirmasi keberadaan TNI AL di perairan NKRI.Tujuan penelitian ini adalah menganalisis implementasi Strategi Pertahanan Laut Nusantara dalam rangka deteksi dini adanya ancaman di Pesisir Garut-Jawa Barat. Penelitian ini menggunakan metode kualitatif dengan pendekatan fenomenologi. Penelitian ini menggunakan metode teknik wawancara, observasi, dan dokumentasi. Hasil menunjukkan bahwa penempatan personel Binpotmar Cikelet Garut di bawah wilayah kerja Posal Pangandaran memiliki peran krusial dalam menanggapi dinamika permasalahan perairan lokal. Fleksibilitas dan tanggung jawab Babinpotmar menunjukkan adaptabilitas yang vital dalam merespons kejadian di perbatasan wilayah. Sebagai ujung tombak intelijen dan pelaksana operasi laut, kehadiran Babinpotmar menjadi langkah strategis untuk meningkatkan kemandirian dalam menjalankan tugas operasional. Bahwa potensi wilayah Cikelet Garut, dengan dermaga peninggalan Belanda yang masih layak, dapat optimal digunakan oleh TNI AL. Melalui pembenahan infrastruktur dan teknologi canggih, lanal di wilayah tersebut dapat efektif merespons ancaman laut, memenuhi 5R di Wilayah Selatan Pulau Jawa serta memberikan efek deterrence terhadap musuh. Pentingnya kerja sama dengan Pemerintah Daerah Kabupaten Garut melalui forkopimda perlu menjadi pertimbangan bagi TNI AL.
Keyword: Pertahanan Negara, Implementrasi, Strategi Pertahanan Laut Nusantara, Garu
Tourism Potential Development Strategy Using the Military Model To Improve Local Economic Development in Indonesia
Full text linkIndonesia has an incredible diversity of natural resources and is one of the largest countries in the Asian region and even in the world. These natural resources can boost the local economy through tourism and various businesses. Therefore, to increase regional economic growth through the development of tourism potential, it is necessary to make careful plans and strategies. The purpose of this study is to determine methods that can be used to increase regional economic growth through the development of tourism potential. This study used a qualitative description approach. The goal is to provide an accurate picture of a particular characteristic, situation, symptom, or group of individuals, or to identify the frequency or distribution of symptoms. In military science, the strategic concept of "ends, ways, and means" developed by Arthur F. Lykke Jr. can be used to increase tourism potential. This concept explains that the existence of the tourism sector must include three objectives of this strategy: 1) Ends, which is a strategic concept centered on the ultimate goal of a tourism management strategy; 2) Means, which are methods or approaches used to achieve goals; and 3) Means, which is By implementing this idea, it is hoped that regional tourism growth can generate prosperity and economic independence, as well as a significant contribution to regional and national income
PERJANJIAN SEWA GUNA USAHA DAN PENGUASAAN GROSSE AKTE KAPAL DENGAN HAK OPSI MEMBELI
No full textThe Lease Purchase Agreement operated by the financing company involves the provision of capital goods for the lessee's benefit. The lessor provides facilities for the procurement of capital goods that are delivered to the lessee for a specified period, with the obligation to make periodic payments. In a lease-purchase agreement, the lessor acts as the owner, and the goods are in the possession of the lessee. At the end of the lease period, the lessee is given the option to extend the lease term or exercise the right to purchase the leased capital goods. Since the capital goods belong to the lessor, it is not possible to use the leased object as collateral in the financing agreement. Ownership of the leased object with the option to buy should occur at the end of the lease agreement. However, in the Lease Purchase Agreement with Reference Number PPAF/PSGUP/2014/VIII/133, the lessee has become the owner of the capital goods from the beginning, both in physical and legal terms, because the capital goods were transacted through a notarial deed and registered under the lessee's name with the harbor master's office. Nevertheless, the lessor, as the provider of capital goods financing, has not returned the deed of the ship to its owner, even though the sale and lease-purchase agreement have been completed without any defects. The research questions addressed in this study are: 1. How is the implementation of the lease-purchase agreement for the Blue Star Tanker capital goods in Lease Agreement Number PPAF/PSGU-P/2014/VIII/133? 2. What is the basis for the lessor's possession of proof of ownership of the capital goods in the PPAF/PSGU-P/2014/VIII/133 agreement? This research employs a normative legal research method, which involves optimizing secondary data sources, including various primary legal materials, secondary legal materials, and tertiary legal materials. The primary data collection method used is a literature review. The research findings lead to the following conclusions: 1. The implementation of the lease-purchase agreement with Reference Number PPAF/PSGU-P/2014/VIII/133 does not meet the criteria for a lease-purchase agreement. The lease-purchase agreement with a clear option to buy states that the lessee will exercise the option to buy. This option to buy is provided at the end of the lease-purchase period. However, the legal ownership of the capital goods has been with the lessee from the outset when the ship sale agreement was registered with the harbor master's office on November 20, 2014, while the lease-purchase agreement ended in August 2017. 2. The legal basis for the lessor's possession of proof of ownership of the capital goods in Lease Agreement Number PPAF/PSGU-P/2014/VIII/133 is not valid. If based on ownership, the legal ownership documents are with PT. Sarana Multi Sejahtera as the lessee. If based on collateral rights, the lease-purchase agreement does not use the concept of collateral for the leased goods because the leased goods are actually owned by the lesseePerjanjian sewa guna usaha yang dioperasional oleh perusahaan pembiayaanbergerak dalam penyediaan barang modal untuk kepentingan lessee. Pihak lessormemberikan fasilitas dalam pengadaan barang modal yang diserahkan pada lessee untukpengambilan manfaat dan kegunaan dalam jangka waktu tertentu dengan kewajibanmelakukan pembayaran secara berkala. Dalam perjanjian sewa guna usaha lessorberkedudukan sebagai pemilik dan barangnya berada dalam penguasaan lessee. Diakhirmasa sewa guna pihak lessee diberikan opsi untuk memperpanjang jangka waktu sewaataukah penggunaan hak untuk membeli barang modal yang disewagunausahakan.Mengingat barang modal adalah milik lessor, maka tidaklah dimungkinkan objek sewadijadikan jaminan dalam perjanjian pembiayaan. Dan dalam perjanjian sewa guna usahakepemilikan objek sewa dengan hak opsi membeli semestinya terjadi di akhir perjanjiansewa. Namun dalam perjanjian sewa guna usaha dengan Nomor PPAF/PSGUP/2014/VIII/133, justru lessee dari awal telah menjadi pemilik atas barang modal dalamarti fisik dan juga dalam arti yuridis karena barang modal telah dilakukan transaksimelalui jual beli dengan akta notaris dan dilakukan pendaftaran balik nama kapal kekantor syahbandar. Meskipun demikian sampai saat ini lessor selaku pemberi fasilitaspembiayaan barang modal tidak mengembalikan grosse akta kapal kepada pemiliknyameskipun transaksi jual beli dan perjanjian sewa guna usaha terlah dapat diselesaikantanpa ada cacatnya.Rumusan masalah yang penulis bahas adalah 1. Bagaimanakah pelaksanaanperjanjian sewa guna usaha atas barang modal Kapal Tanker Blue Star dalam PerjanjianNomor PPAF/PSGU-P/2014/VIII/133? 2. Apakah dasar penguasaan bukti kepemilkanbarang modal oleh lessor dalam perjanjian PPAF/PSGU-P/2014/VIII/133?Penelitian ini menggunakan metode yuridis normatif yaitu penelitian denganmengoptimalkan data sekunder berupa berbagai bahan hukum primer, bahan hukumsekunder dan bahan hukum tersier. Sebagai penelitian dengan pengutamakanpengambilan data melalui studi kepustakaan.Hasil penelitian memperoleh kesimpulan 1. Pelaksanaan perjanjian sewa gunausaha dengan Nomor PPAF/PSGU-P/2014/VIII/133 tidak memenuhi unsur sebagaiperjanjian sewa guna usaha. Dalam perjanjian sewa guna usaha dengan hak opsi yangditentukan secara tegas bahwa lessee akan melaksanakan hak opsi membeli. Hak opsimembeli ini disediakan di akhir masa sewa guna usaha. Sedangkan dalam legalitaskepemilikan barang modal telah berada di tangan lessee sejak semula saat perjanjiandengan akta jual beli kapal didaftarkan pada kantor Syahbandar di tanggal 20 November2014, sedangkan perjanjian sewa guna usaha berakhir di bulan Agustus 2017. 2. Dasarlegalitas penguasaan bukti kepemilikan barang modal oleh lessor dalam perjanjianNomor PPAF/PSGU-P/2014/VIII/133, tidaklah berdasar. Jika dilandaskan padakepemilikan maka legalitas dokumen kepemilikan ada pada PT. Sarana Multi Sejahteraselaku lessee. Jika didasarkan pada hak jaminan, maka perjanjian sewa guna usaha tidakmenggunakan konsep jaminan atas barang yang disewakan, karena barang yangdisewakan sesungguhnya adalah milik dari yang menyewagunakan
Indonesia's Defense Policy In Addressing Space Threats In Perspective Of Defense Management
Full text linkThis article investigates Indonesia's defense policy in addressing space threats, driven by the research objectives of analyzing the policy, assessing its effectiveness, and providing recommendations for improvement. Employing a qualitative research method with an analytical descriptive design, the study explores Indonesia's approach to space security through an extensive review of legal and strategic documents. The research highlights key components, including foundational laws emphasizing the protection of sovereignty and the recognition of the Fourth Industrial Revolution's impact on defense, leading to the expansion of the defense domain into cyberspace and space. Strategies involve modernization, resilience, and the nurturing of domestic space capabilities. The analysis reveals challenges, such as the rapid evolution of space technology, resource allocation, coordination, international partnerships, human capital development, and managing the dual-use nature of space technology. Indonesia's defense policy aligns with broader defense and security objectives, emphasizing the importance of space in safeguarding national sovereignty and promoting economic growth. The study concludes that continuous adaptation, coordination, and international collaboration are vital to effectively mitigate space threats and secure the nation's interests in the 21st century. The utilization of space has expanded in the modern age. Indonesia is looking to space to overcome its geographical challenges. However, Indonesia must formulate defense policy to address emerging threats. This research problems are comprehending Indonesia's defense policy in addressing space threats and evaluating the effectiveness of the existing policy. The objectives are to analyze the policy and assess its effectiveness. Employing a qualitative literature research method with analytical descriptive design, the research subject is Indonesian Defense Ministry. The object is Indonesia's defense policy in addressing space threats. The research result highlights laws emphasizing the protection of sovereignty and the recognition of the Fourth Industrial Revolution's impact on defense, leading to the expansion of the domain into cyberspace and space. Strategies involve modernization, resilience, and the nurturing of space capabilities. The analysis reveals challenges, such as rapid evolution of space technology, resource allocation, coordination, international partnerships, human capital development, and dual-use nature of space technology management. Indonesia's defense policy aligns with broader defense and security objectives, emphasizing the importance of space in safeguarding national sovereignty and promoting economic growth. The study concludes that continuous adaptation and international collaboration are vital to effectively mitigate space threats and secure the nation's interests
The Role of Unmanned Aerial Vehicles (UAVs) in Indonesian Air Defense Management
Full text linkIndonesia is an archipelagic state with land and maritime borders with other nations. The use of Unmanned Aerial Vehicles (UAVs) has become crucial in safeguarding Indonesia's defense and border areas. This research employs a qualitative method, aiming to gain a deep understanding of the role of UAVs in the Defense management of Indonesia's, covering complex aspects such as policies, implementation, and their impact. The findings reveal that sustained investment in UAV technology and infrastructure is essential to strengthen Indonesia's air defense capabilities. Particularly, High-Altitude Long Endurance (HALE) UAVs prove to be effective and reliable in surveillance with their ability to operate at high altitudes and for extended durations. In the context of Indonesia's air defense, UAVs significantly enhance surveillance, reconnaissance, and national security. Effective integration and utilization of UAVs are key to maintaining protection and sovereignty over the airspace. Appropriate regulations and the establishment of ownership registries are crucial to support responsible UAV usage, especially concerning national security and counterterrorism. The evolving significance of UAVs will continue to shape defense paradigms in the future
Analysis of Visual Communication as a Means of Facing the Challenges of Technological Development in a Securities Company
Full text linkThis illustrates that all countries have the same goals in seeking growth, development, progress, and continuous learning to face challenges in the future. The visual emails presented in this study aim to expand the understanding of the denotative, connotative, and mythical meanings believed to be true through the application of the value expectation theory. This theory provides a comprehensive approach to understanding how individuals form and interpret the meaning of a concept or idea, considering the aspect of value expectation. In this research, Roland Barthes' semiotics method is employed for analyzing main interpretations and representations to unravel the denotative, connotative, and mythical meanings in the presented visuals. Data collection techniques involve focus group discussions and structured in-depth interviews aligned with investor feedback. Based on the research results, exploration will be conducted on how individual perceptions of value influence their interpretation of visual understanding. This is supported by the expectation from feedback that investors desire visuals and text to support technical knowledge and portfolio growth based on the visual analysis provided by the securities company.
The visual emails presented in this study aim to expand the understanding of the denotative, connotative, and mythical meanings believed to be true through the application of the value expectation theory. This theory provides a comprehensive approach to understanding how individuals form and interpret the meaning of a concept or idea, considering the aspect of value expectation. In this research, Roland Barthes' semiotics method is employed for analyzing main interpretations and representations to unravel the denotative, connotative, and mythical meanings in the presented visuals. Data collection techniques involve focus group discussions and structured in-depth interviews aligned with investor feedback. Based on the research results, exploration will be conducted on how individual perceptions of value influence their interpretation of visual understanding. This is supported by the expectation from feedback that investors desire visuals and text to support technical knowledge and portfolio growth based on the visual analysis provided by the securities company
Merevolusi Batik: Bagaimana Fintech Memberdayakan UMKM Malang untuk Pertumbuhan Ekonomi
No full textThe study looks at how MSME's traditional business practices are being revolutionized by fintech, digital financial services, especially given Indonesia's burgeoning digital economy. The difficulty of MSMEs in obtaining Standard Financial Services is a major issue in this study, which has historically hindered their ability to grow and run more efficiently. Fintech solutions are becoming an important tool for small businesses because of their accessibility, cost efficiency, and simple procedures. Batik Malang MSMEs can break through financial barriers, gain access to new markets, and become more competitive by implementing fintech. Using in-depth interview techniques with owner Samtana Indonesia, one of Malang Batik entrepreneurs. The research explores a range of fintech services, including online lending platforms, digital payments, and e-commerce integration, showing how these services can promote a wider range of consumers, better financial management, and higher sales. Fintech integration improves the overall performance and sustainability of these MSMEs by enabling them to interact with the digital economy, which is not limited to a single country. The results of this case study also address the broader impact of fintech adoption on the Indonesian economy. It highlights how fintech is helping to advance financial inclusion, especially for small and medium-sized businesses, which is critical to Indonesia's economic expansion. In conclusion, the results of this study offer a thorough insight into how fintech adoption is transforming Batik Malang MSMEs, emphasizing the role of fintech adoption in increasing business productivity, expanding financial accessibility, and advancing Indonesia's overall economic growth.Studi ini melihat bagaimana praktik bisnis tradisional UMKM ini sedang direvolusi oleh fintech, layanan keuangan digital, terutama mengingat ekonomi digital Indonesia yang sedang berkembang. Kesulitan UMKM Batik Malang dalam memperoleh layanan keuangan standar mejadi isu utama dalam penelitian ini, yang secara historis menghambat kemampuan mereka untuk tumbuh dan berjalan lebih efisien. Solusi fintech menjadi alat penting bagi usaha kecil karena aksesibilitasnya, efisiensi biaya, dan prosedur yang sederhana. UMKM Batik Malang dapat menerobos hambatan keuangan, mendapatkan akses ke pasar baru, dan menjadi lebih kompetitif dengan menerapkan fintech. Menggunakan Teknik wawancara mendalam dengan owner Samtana Indonesia, salah satu pengusaha Batik Malang. Penelitian ini mengeksplorasi berbagai layanan fintech, termasuk platform pinjaman online, pembayaran digital, dan integrasi e-commerce, menunjukkan bagaimana layanan ini dapat meningkatkan jangkauan konsumen yang lebih luas, manajemen keuangan yang lebih baik, dan penjualan yang lebih tinggi. Integrasi fintech meningkatkan kinerja dan keberlanjutan UMKM ini secara keseluruhan dengan memungkinkan mereka berinteraksi dengan ekonomi digital, yang tidak terbatas pada satu negara. Hasil studi kasus ini juga membahas dampak yang lebih luas dari adopsi fintech terhadap perekonomian Indonesia. Ini menyoroti bagaimana fintech membantu memajukan inklusi keuangan, terutama untuk usaha kecil dan menengah, yang penting bagi ekspansi ekonomi Indonesia. Sebagai kesimpulan, hasil penelitian ini menawarkan wawasan menyeluruh tentang bagaimana adopsi fintech mengubah UMKM Batik Malang, menekankan peran adopsi fintech dalam meningkatkan produktivitas bisnis, memperluas aksesibilitas keuangan, dan memajukan pertumbuhan ekonomi Indonesia secara keseluruhan
DIGITAL LEADERSHIP IN IMPROVING TEACHER PERFORMANCE DURING THE COVID-19 PANDEMIC
Full text linkEducation involving digital technology is the latest transformation in the education system, especially during the COVID-19 pandemic. During the current Covid-19 Pandemic, education must be carried out using online digitalization between Educators and Students as well as Education Personnel and school committees. The study aims to overcome the Leadership Model which is influenced by rapid technological developments by changing the model. This research is a qualitative research using literature study method. Research on literature studies on learning media for distance learning (online) in early childhood is important to do. The research results show Traditional Leadership towards Digital Leadership. A leader, especially a stakeholder in the education sector, needs to know the advantages and disadvantages of the digital world itself and be able to inspire his subordinates to innovate and defend ideas. Deep acumen applying digital leadership benchmarks demonstrates a fast-paced, cross-hierarchical, cooperative, and often team-oriented approach to integrating innovation. The novelty of this research is that it shows that the ability to plan and organize digital leadership programs is important and can help improve students’ academic performance, despite the COVID-19 pandemic crisis.Education involving digital technology is the latest transformation in the education system, especially during the COVID-19 pandemic. During the current Covid-19 Pandemic, education must be carried out using online digitalization between Educators and Students as well as Education Personnel and school committees. The study aims to overcome the Leadership Model which is influenced by rapid technological developments by changing the model. This research is a qualitative research using literature study method. Research on literature studies on learning media for distance learning (online) in early childhood is important to do. The research results show Traditional Leadership towards Digital Leadership. A leader, especially a stakeholder in the education sector, needs to know the advantages and disadvantages of the digital world itself and be able to inspire his subordinates to innovate and defend ideas. Deep acumen applying digital leadership benchmarks demonstrates a fast-paced, cross-hierarchical, cooperative, and often team-oriented approach to integrating innovation. The novelty of this research is that it shows that the ability to plan and organize digital leadership programs is important and can help improve students’ academic performance, despite the COVID-19 pandemic crisis
The Potential Of A Third World War (WWIII) As The Implication Of The War Between Russia And Ukraine
Full text linkThe war between Russia and Ukraine occurred on February 24, 2022, after both sides both defended their arguments and there was a stalemate in efforts to resolve diplomatically. Finally, the path taken by the two countries in resolving the existing conflict, namely by war. Analysts and world experts predict that Russia's war with Ukraine will potentially lead to a third world war because each country involves various parties, both Ukraine, supported by NATO and Russia, supported by various countries. The purpose of this study is to analyze the potential for a third world war as an implication of the war between Russia and Ukraine. The research method used is a qualitative approach with descriptive analysis. The researcher uses the strategy theory proposed by Sun Tzu, the geopolitical theory proposed by Hayati and the theory of "The Sociology of Conflict" by George Simmel. The results of the study show that the war between Russia and Ukraine directly or indirectly has involved various countries to enter into the conflict, thus making the international community worried that there will be a bigger impact. The conclusion of this research is that the war between Russia and Ukraine has the potential to cause a third world war
Digital Transformation of Financial Literacy and Inclusion as a Support for Convenience for MSMEs
Full text linkFinancial digital transformation provides easy access to financing in terms of financial literacy and inclusion. Digital financial literacy and inclusion is a means of education and ease of life and the future for both personal and business needs that are financially effective and efficient in various aspects including a wider range of transactions, easy to use, time-saving, affordable costs, easy-to-understand tools and maintained security. The purpose of this article is to explain the digital transformation of financial literacy and inclusion, explain the contribution of digital financial literacy to the convenience of MSMEs, explain the contribution of digital inclusion to MSMEs and discuss the advantages, disadvantages and solutions of digitalization of financial literacy and inclusion in its implementation. The method used in the study is RISMA 2020 (Preferred Reporting Items for Systematic review and Meta-Analyses) aimed at increasing the transparency and completeness of reporting systematic review results making it easier for readers to assess the trustworthiness and applicability of review findings. The result of digital transformation is financial access and financial literacy providing convenience through an easy-to-use and secure financial service platform for both the general public and business owners in conducting transactions, financing and investment. Digitalization of financial literacy will facilitate financial access, get financial education, and facilitate transactions, but in some countries financial inclusion does not have a significant effect on alleviating MSMEs, if these countries provide policies to financial institutions to increase lending with easy collateral it will enable the success of MSMEs.Transformasi digital keuangan memberikan kemudahan akses keuangan baik dalam literasi dan inklusi keuangan. Literasi dan Inklusi keuangan digital merupakan sarana edukasi dan kemudahan hidup dan masa depan baik untuk kebutuhan pribadi maupun bisnis yang secara finansial, efektif dan efisien dalam berbagai aspek termasuk jangkauan transaksi yang lebih luas, mudah digunakan, hemat waktu, biaya terjangkau, tools mudah dipahami dan keamanan terjaga.Tujuan artikel ini menjelaskan transformasi digital literasi dan inklusi keuangan, menjelaskan konribusi digital literacy keuangan pada kemudahan UMKM, menjelaskan kontribusi digital inclusi pada umkm dan diskusi kelebihan, kekurangan dan solusi digitalisasi literasi dan inklusi keuangan dalam penerapan. Hasil dengan adanya trasnformasi digital maka Akses keuangan maupun literasi keuangan memberikan kemudahan-kemudahan melalui platform layanan keuangan yang mudah digunakan dan aman baik bagi masyarakat umum maupun pemilik usaha dalam bertransaksi, pembiayaan dan berinvestasi. digitalisasi literasi keuangan akan memberi kemudahan dalam mengkases keuangan, mendapatkan edukasi keuangan, dan memudahkan transaksi, tetapi di sebagian negara dengan adanya inklusi keuangan tidak berpengaruh signifikan dalam pengentasan UMKM tetapi jika negara tersebut memberikan kebijakan kepada lembaga keuangan untuk meningkatkan pinjaman dengan kemudahan jaminan akan memungkinkan keberhasilan UMK