Jurnal Universitas Dharma Andalas
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KAJIAN HUKUM TENTANG GANTI RUGI ATAS PENAGIHAN YANG TIDAK SESUAI ETIKA OLEH PERUSAHAAN PINJAMAN ONLINE
Get PDFLegal protection for loan customers in Indonesia is a multi-layered and integrated system. Its legal foundation begins with civil law principles governing contractual relationships, reinforced by the Consumer Protection Law (UUPK), which specifically recognizes customers as consumers, and detailed by OJK regulations focusing on transparency, data protection, and ethical collection practices. The availability of dispute resolution mechanisms, both non-litigation through the Financial Services Authority (FSA) LAPS (Laps) and litigation through the courts, provides a pathway for customers to enforce their rights. Unethical online loan collection actions, such as the dissemination of personal data, intimidation, and terrorism, constitute unlawful acts (PMH) as regulated by Article 1365 of the Civil Code. This qualification allows customers to claim compensation for losses suffered, including immaterial losses such as psychological suffering and reputational damage. This research was conducted using a descriptive normative approach, with data processing and editing. Qualitative analysis was used in the data analysis process
Implementasi Metode Prototype Pada Proses PPDB dan Konsultasi Penjurusan (Studi Kasus: SMK Muhammadiyah 3 Yogyakarta)
Get PDFThe development of information technology requires schools to optimize the system to improve efficiency, including in the process of admitting new students (PPDB). Muhammadiyah 3 Yogyakarta Vocational Highschool still uses manual PPDB methods such as data collection and processing which causes inefficiency in the registration process, data errors, and requires a lot of energy from the school. This research aims to develop a website-based PPDB system that is tailored to the needs of the school. Data was collected through interviews, observations, and literature studies, with a prototype method approach that involved schools at every stage of development. System testing using usability tests and User Experience Questionnaire (UEQ) with the results of the online PPDB system obtained a positive response with a score of “Excellent” in the aspects of Attractiveness (1.89) and Stimulation (1.81), as well as “Good” in the aspects of Efficiency (1.87), Dependability (1.58), and Novelty (1.57) showing a significant improvement in the quality of the PPDB system of Muhammadiyah 3 Yogyakarta Vocational Highschool.Perkembangan teknologi informasi mengharuskan sekolah mengoptimalkan sistem untuk meningkatkan efisiensi, termasuk dalam proses penerimaan peserta didik baru (PPDB). SMK Muhammadiyah 3 Yogyakarta masih menggunakan metode manual PPDB seperti pengumpulan dan pengolahan data yang menyebabkan ketidakefisienan dalam proses pendaftaran, kesalahan data, serta memerlukan banyak energi pihak sekolah. Penelitian ini bertujuan mengembangkan sistem PPDB berbasis website yang disesuaikan dengan kebutuhan sekolah. Data dikumpulkan melalui wawancara, observasi, dan studi literatur, dengan pendekatan metode Prototype yang melibatkan sekolah disetiap tahap pengembangan. Pengujian sistem menggunakan Usability Test dan User Experience Questionnaire (UEQ) dengan hasil sistem PPDB online memperoleh respons positif dengan skor "Excellent" pada aspek Attractiveness (1,89) dan Stimulation (1,81), serta "Good" pada aspek Efficiency (1,87), Dependability (1,58), dan Novelty (1,57) menunjukkan peningkatan signifikan dalam kualitas sistem PPDB SMK Muhammadiyah 3 Yogyakarta
Information Technology Management System of Sharing Knowledge Between Universities Using Systematic Literature Review
Get PDFKnowledge is a vital resource for academic institutions, driving innovation dan development. However, universities face challenges in effective knowledge sharing due to cultural barriers, lack of trust, and technological constraints. This research, conducted using a Systematic Literature Review (SLR), identifies key variables influencing knowledge sharing, highlights challenges, and proposes solutions to foster collaboration. The findings reveal that cultural barriers, such as competitive organizational environments and technological constraints, including high costs and user-friendly systems, significantly hinder knowledge sharing. To address these issues, the study recommends implementing user-friendly technologies, promoting collaboration through seminars and workshops, and encouraging cross-departmental projects. These solutions provide actionable insights to enhance knowledge sharing frameworks and support innovation across academic institutionsPengetahuan merupakan sumber daya penting bagi institusi akademik yang mendorong inovasi dan pengembangan. Namun, universitas menghadapi tantangan dalam berbagi pengetahuan secara efektif akibat hambatan budaya, kurangnya kepercayaan, dan keterbatasan teknologi. Penelitian ini, yang dilakukan dengan metode Systematic Literature Review (SLR), mengidentifikasi variabel utama yang memengaruhi berbagi pengetahuan, menyoroti tantangan, dan mengusulkan solusi untuk mendorong kolaborasi. Temuan menunjukkan bahwa hambatan budaya seperti lingkungan organisasi yang kompetitif dan keterbatasan teknologi seperti biaya tinggi dan sistem yang tidak user-friendly, secara signifikan menghambat berbagi pengetahuan. Untuk mengatasi masalah ini, penelitian ini merekomendasikan penerapan teknologi yang user-friendly, promosi kolaborasi melalui seminar dan workshop, serta pengembangan proyek cross-departmental. Solusi ini memberikan wawasan praktis untuk meningkatkan kerangka kerja berbagi pengetahuan dan mendukung inovasi di institusi akademi
Edukasi Karakter Berbasis Teknologi Menjadi Siswa Kreatif, Beretika, dan Produktif di Era Digital”
Get PDFThe rise of digital technology is characterized by the speed and ability to access information for the business world and society (Shepherd, 2011). The digital era can be seen as a rapidly developing system where people's knowledge not only grows, but also becomes more complex, making it difficult to change their lives. Social capital is abundant in the digital age and will only increase as the technological capabilities of our knowledge base expand.
The rapid development of science, technology and knowledge in the world today demands the use of humans everywhere. These changes have implications for the education sector which needs to be improved at the local, national and international levels. Character education is very important in preparing students to face the world of work and politics. It cannot be denied that technology has changed the field of education dramatically. Currently there are many concerns about the challenges of learning in the digital era, from cyberbullying to identity theft
FORENSIC INVESTIGATION Of THE SAMARINDA IBU dan ANAK HOSPITAL BUILDING: STRUCTURAL SETTLEMENT ANALYSIS
Get PDFIn initiatives to enhance the quality of infrastructure, especially with regard to building stability and the avoidance of structural failure, the safety and comfort of visitors has taken center stage. In order to improve infrastructure, older or decaying buildings are frequently reinforced or renovated. This may entail repairing accumulated damage without requiring total demolition. In order to guarantee the structure's dependability and safety, these remodeling initiatives require careful assessment and study. Concerns over apparent settlement of the Ibu dan Anak Hospital building in Samarinda have been brought up, highlighting the significance of assessing structural integrity to guarantee ongoing safety and functionality. The purpose of this study is to conduct a thorough structural audit of the building in order to find any possible hazards and suggest any necessary improvements.
The study assessment the building's stability and forecasts future settlement by simulating its behavior under various circumstances, including dynamic and static load scenarios, using sophisticated modeling software such as GEOSLOPE-GEOSTUDIO (Student Version). According to the aforementioned analytical results, there are signs that the hard soil layer is not reached by the pile depth, which causes settlement. Over the course of the following year, the settlement increased from 15.89 cm in the first 178 days to 17.64 cm. The analysis indicates that the settlement will stay at 31.65 cm for the next five years, therefore after 1,780 days, it is deemed stable.
Dalam upaya untuk meningkatkan kualitas infrastruktur, terutama terkait dengan stabilitas bangunan dan pencegahan kegagalan struktural, keselamatan dan kenyamanan pengunjung telah menjadi prioritas utama. Untuk meningkatkan infrastruktur, bangunan yang lebih tua atau rusak sering diperkuat atau direnovasi. Hal ini dapat melibatkan perbaikan kerusakan yang terkumpul tanpa perlu pembongkaran total. Untuk menjamin keandalan dan keselamatan struktur, inisiatif renovasi ini memerlukan penilaian dan studi yang teliti. Kekhawatiran mengenai penurunan yang terlihat pada bangunan Rumah Sakit Ibu dan Anak di Samarinda telah muncul, menyoroti pentingnya penilaian integritas struktural untuk menjamin keselamatan dan fungsionalitas yang berkelanjutan. Tujuan dari penelitian ini adalah untuk melakukan audit struktural yang menyeluruh terhadap bangunan guna menemukan potensi bahaya dan mengusulkan perbaikan yang diperlukan.
Penelitian ini menilai stabilitas bangunan dan memprediksi penurunan di masa depan dengan mensimulasikan perilakunya di bawah berbagai kondisi, termasuk skenario beban dinamis dan statis, menggunakan perangkat lunak pemodelan canggih seperti GEOSLOPE-GEOSTUDIO (Versi Pelajar). Berdasarkan hasil analisis yang telah disebutkan, terdapat tanda-tanda bahwa kedalaman tiang pancang tidak mencapai lapisan tanah keras, yang menyebabkan penurunan. Selama tahun berikutnya, penurunan meningkat dari 15,89 cm dalam 178 hari pertama menjadi 17,64 cm. Analisis menunjukkan bahwa penurunan akan tetap pada 31,65 cm selama lima tahun ke depan, sehingga setelah 1.780 hari, penurunan dianggap stabil
Evaluasi Penjadwalan Waktu Dan Biaya Menggunakan Metode Cpm Pada Proyek Fabrikasi Cyclone
Get PDFProject management is an effort to control projects by paying attention to time and resource availability. This control is necessary to achieve targets as planned. The aim of this research is to evaluate work time and project costs using the CPM method for the cyclone making project at PT Putra Dharma Kencana in Mojokerto district. This research uses quantitative approach techniques which are analyzed using CPM and Gantt Chart using POM QM software. In this project there are 10 activities in the order, namely A-B-C-D-E-F-G-H-I-J, the project was planned to be completed in 84 days, but was completed in 98 days. The results of the CPM analysis show 2 activity paths with the critical path, namely A-E-F-G-H-I-J with a time of 62 days. The results of the Gantt Chart analysis of activities that can be done simultaneously are activities B and E on the 7th day, activities C and E on the 14th day, and activities D and F on the 21st day. By implementing the CPM method, costs can be reduced from IDR 48,720,000 to IDR 23,560,000
Uji Stabilitas Fisik Sabun Mandi Cair Ekstrak Etanol Daun Ketapang (Terminalia Catappa L.) Dan Kulit Nanas (Ananas Comosus (L.) Merr)
Get PDFSoap cleans the skin from dirt or bacteria. The plants that can be used in liquid shower soap are ketapang leaf and pineapple skin. The purpose of this research was to make a liquid shower soap formulated with the extract of ketapang leaf and pineapple skin and then test its physical stability for 4 weeks storage. The liquid shower soap of ketapang leaf and pineapple skin was made of three extract variations namely F1 (2%), F2 (4%) and F3 (6%). The physical stability test of liquid shower soap covered organoleptic, pH, homogeneity, foam height, voscosity, density, hedonic, and supply irritation. The result of organoleptic test in F1, F2, and F3 had brownish color, distinctive extract smell, and in the form of liquid supply. pH in F1, F2, and F3 for 4 weeks of storage was in the interval of 6,5-7,2. The result of homogeneity test showed that all formulas were homogeneous and the test of foam durability in the range of 76,92% - 97,14%. Then viscosity test at F1, F2, and F3 was in the range of 10,95 poice - 43,19 poice and the density was in the range of 1,01 - 1,03 mg/ml. The hedonic test in F1 was likeable, F2 and F3 were rather likeable and all formulas of liquid shower did not cause irritation in the usage. Based on the test results, it can be concluded that the liquid shower soap produced has fulfilled the requirement of physical supply quality based on The National Standard of Indonesia (SNI)
Pengaruh Komitmen Organisasi Dan Work Engagement Terhadap Organizational Citizenship Behavior Karyawan PT. Bank Syariah Indonesia Kc Padang Imam Bonjol
Get PDFBank Syariah Indonesia KC Padang Imam Bonjol is a company operating in the banking sector. To realize the creation of superior employee performance, banks need to foster and create employee behavior towards organizational citizenship behavior (OCB behavior). The aim of this research is to analyze the influence of organizational commitment and work engagement on organizational citizenship behavior of PT Bank Syariah Indonesia KC Padang Imam Bonjol employees. The type of research used in this research is a quantitative approach using the census method. This research refers to employees of PT Bank Syariah Indonesia KC Padang Imam Bonjol. The sample used in this research was 58 employees. The data collection method used was a questionnaire. The data analysis technique used is multiple linear regression analysis. The research results prove that organizational commitment has a positive and significant effect on organizational citizenship behavior, work engagement has a positive and significant effect on organizational citizenship behavior and organizational commitment and work engagement have a positive and significant effect on organizational citizenship behavior
Pengaruh Kualitas Produk Digital Banking Terhadap Kepuasan Nasabah Bank Nagari Cabang Utama Padang
Get PDFThis study aims to determine the effect of website design quality, website information quality, punctuality, trust, and security on Customer Satisfaction at Bank Nagari Main Branch Padang. The population in this study were all users of Bank Nagari Main Branch Digital Banking Products. This study uses a quantitative approach with sampling using the non-probability sampling method. The analysis tool uses multiple linear regression analysis. Analysis of the data used is Statistical Product and service solutions (SPSS).The results of the research by testing the hypothesis show that the variables of website design quality, website information quality, punctuality, trust, and security simultaneously affect customer satisfaction with digital banking users at Bank Nagari Main Branch. Partially, the variables of website design quality, website information quality, punctuality, trust, and security have a significant effect on customer satisfaction with digital banking users at Bank Nagari, Padang Main Branch
Faktor Kunci Keberhasilan Implementasi Blockchain dalam Identitas Berdaulat untuk Mendukung Target Pembangunan Berkelanjutan
Get PDFThe development of information technology has entered an era of rapid digital transformation, where resource efficiency and data integration are key factors. Digital transformation, which not only affects the business industry but also the sustainable development sector, is driven by the emergence of the latest technologies such as artificial intelligence (AI) or artificial intelligence and distributed ledger technology (DLT) or distributed ledger technology or blockchain. Blockchain, with its decentralized and high security characteristics, offers great potential in various innovative applications, including in digital identity. Blockchain-based identity management systems have emerged as a solution to the problems of privacy, security, and control in digital identity management. In Indonesia, the launch of the Indonesia Digital Vision 2045 shows the government's commitment to encouraging the adoption of digital technology, including blockchain. This study aims to explore the potential of blockchain implementation in improving digital identity management as part of sustainable development efforts in Indonesia. The main focus of this study is on the key success factors needed for blockchain implementation in the context of digital identity in Indonesia, with the hope of contributing to further practice and study in this field.Perkembangan teknologi informasi telah memasuki era transformasi digital yang pesat, di mana efisiensi sumber daya dan integrasi data menjadi faktor-faktor kunci. Transformasi digital, yang tidak hanya mempengaruhi industri bisnis tetapi juga sektor pembangunan berkelanjutan, didorong oleh kemunculan teknologi terbaru seperti artificial intelligence (AI) atau kecerdasan buatan dan distributed-ledger technology (DLT) atau teknologi buku besar terdistribusi atau blockchain. Blockchain, dengan karakteristik desentralisasi dan keamanan yang tinggi, menawarkan potensi besar dalam berbagai aplikasi inovatif, termasuk dalam identitas digital. Sistem manajemen identitas berbasis blockchain muncul sebagai solusi untuk masalah privasi, keamanan, dan kontrol dalam pengelolaan identitas digital. Di Indonesia, peluncuran Visi Indonesia Digital 2045 menunjukkan komitmen pemerintah dalam mendorong adopsi teknologi digital, termasuk blockchain. Penelitian ini bertujuan untuk mengeksplorasi potensi implementasi blockchain dalam meningkatkan manajemen identitas digital sebagai bagian dari upaya pembangunan berkelanjutan di Indonesia. Fokus utama penelitian ini adalah pada faktor-faktor kunci keberhasilan yang diperlukan untuk implementasi blockchain dalam konteks identitas digital di Indonesia, dengan harapan dapat memberikan kontribusi pada praktik dan studi lanjutan dalam bidang ini