15 research outputs found
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PERLINDUNGAN HUKUM BAGI DEBITUR ATAS PENGGUNAAN DEPOSITO SEBAGAI JAMINAN PENGAJUAN KREDIT (Study Kasus Pada PT BPR Bank Daerah Karanganyar (Perseroda)
Get PDFPerbankan merupakan suatu perusahaan yang bergerak dibidang jasa, dimana bank adalah penyalur dana dari masyarakat yang mempunyai dana lebih kepada masyarakat yang membutuhkan dana serta sebagai tempat untuk menghimpun dana masyarakat itu sendiri. Kedudukan nasabah sebagai konsumen dalam hubungannya dengan jasa perbankan berada pada dua sisi yang dapat bergantian sesuai dengan sisi mana berada. Nasabah yang menyimpan dananya pada bank baik sebagai penabung, deposan maupun pembeli surat berharga (obligasi atau commercial paper).
Metode yang digunakan dalam penelitian yaitu metode pendekatan dalam penulisan ini adalah kualitatif, spesifikasi penelitian ini adalah penelitian yuridis empiris. Sumber data menggunakan data sekunder. Teknik pengumpulan data menggunakan studi kepustakaan atau studi dokumen. Teknik analisis data menggunakan pendekatan deskriptif kualitatif. Hasil penelitian pada kesimpulan pertama dan kedua.
Tujuan dalam penelitian ini untuk mengetahui perlindungan hukum bagi debitur atas penggunakan deposito sebagai jaminan pengajuan kredit di PT BPR Bank Daerah Karanganyar (Perseroda), apa yang menjadi problem dalam perjanjian kredit bagi debitur dengan menggunakan deposito sebagai jaminan dan bagaimana solusinya, dan contoh akta gadai dengan jaminan deposito pada PT BPR Bank Daerah Karanganyar (Perseroda). PT BPR Bank Daerah Karanganyar (Perseroda) selaku Badan Usaha Milik Daerah mempunyai layanan kredit dengan jaminan deposito berjangka. Deposito sebagai jaminan utang merupakan benda bergerak dan merupakan objek jaminan gadai. Perjanjian gadai tidak berdiri sendiri melainkan menjadi perjanjian tambahan (accessoir) dari perjanjian pokoknya, dalam hal ini adalah perjanjian kredit bank. Maraknya permasalahan hukum yang terjadi berkaitan dengan debitur yang melakukan wanprestasi , kecil kemungkinan adanya perlindungan debitur selama menjalankan kreditnya.
Kata Kunci : Perlindungan Hukum, Debitur, Deposito, Jaminan Kredit
PERLINDUNGAN HUKUM BAGI DEBITUR ATAS PENGGUNAAN DEPOSITO SEBAGAI JAMINAN PENGAJUAN KREDIT (Study Kasus Pada PT BPR Bank Daerah Karanganyar (Perseroda)
Get PDFPerbankan merupakan suatu perusahaan yang bergerak dibidang jasa, dimana bank adalah penyalur dana dari masyarakat yang mempunyai dana lebih kepada masyarakat yang membutuhkan dana serta sebagai tempat untuk menghimpun dana masyarakat itu sendiri. Kedudukan nasabah sebagai konsumen dalam hubungannya dengan jasa perbankan berada pada dua sisi yang dapat bergantian sesuai dengan sisi mana berada. Nasabah yang menyimpan dananya pada bank baik sebagai penabung, deposan maupun pembeli surat berharga (obligasi atau commercial paper).
Metode yang digunakan dalam penelitian yaitu metode pendekatan dalam penulisan ini adalah kualitatif, spesifikasi penelitian ini adalah penelitian yuridis empiris. Sumber data menggunakan data sekunder. Teknik pengumpulan data menggunakan studi kepustakaan atau studi dokumen. Teknik analisis data menggunakan pendekatan deskriptif kualitatif. Hasil penelitian pada kesimpulan pertama dan kedua.
Tujuan dalam penelitian ini untuk mengetahui perlindungan hukum bagi debitur atas penggunakan deposito sebagai jaminan pengajuan kredit di PT BPR Bank Daerah Karanganyar (Perseroda), apa yang menjadi problem dalam perjanjian kredit bagi debitur dengan menggunakan deposito sebagai jaminan dan bagaimana solusinya, dan contoh akta gadai dengan jaminan deposito pada PT BPR Bank Daerah Karanganyar (Perseroda). PT BPR Bank Daerah Karanganyar (Perseroda) selaku Badan Usaha Milik Daerah mempunyai layanan kredit dengan jaminan deposito berjangka. Deposito sebagai jaminan utang merupakan benda bergerak dan merupakan objek jaminan gadai. Perjanjian gadai tidak berdiri sendiri melainkan menjadi perjanjian tambahan (accessoir) dari perjanjian pokoknya, dalam hal ini adalah perjanjian kredit bank. Maraknya permasalahan hukum yang terjadi berkaitan dengan debitur yang melakukan wanprestasi , kecil kemungkinan adanya perlindungan debitur selama menjalankan kreditnya.
Kata Kunci : Perlindungan Hukum, Debitur, Deposito, Jaminan Kredit
DETERMINANTS OF NON-MUSLIM CONSUMERS’ PURCHASE BEHAVIOR TOWARD HALAL PACKAGED FOOD
Get PDFManuscript type: Research article Research Aims: The objective of this research is to determine factors affecting the purchase behavior of non-Muslim consumers toward halal packaged food. Design/methodology/approach: Data was collected from self-adminstrated questionnaire from non-Muslim consumers who have purchased halal packaged food. Structural Equation Modelling (SEM) using SmartPLS was used to analyze the effect of attitude, subjective norm, perceived behavioral control, halal logo and halal marketing on purchase intention and purchase behavior. Research Findings: Only subjective norm, halal logo and halal marketing affect purchase intention, which later affects purchase behavior. Meanwhile perceived behavioral control was found to directly affect purchase behavior. Theoretical Contribution/Originality: This research contributes further to the body of knowledge regarding the Theory of Planned Behavior, and has investigated that the theory can also be applied in the context of non-Muslim consumers’ purchase intention toward halal packaged food. Practitioner/Policy Implication: From the findings, practitioners in the field of halal packaged food can formulate strategies regarding halal marketing and subjective norm in order to stimulate consumers’ purchase intention. Research limitation/Implications: There are several research limitations regarding the screening question and a few indicators used which in future research is suggested to be a better reflection of the research variales and objectives
The Mudharabah Implementation in Correlation Context Time Deposit
Get PDFIslamic banks have the function of collecting funds from customers and channeling funds for real sector activities. One of the legal bases used is Mudarabah. Mudharabah is used as a legal basis for Mudharabah Deposit products which have the aim of collecting customer funds and channeling them into the form of Mudharabah Financing. Both products are offered with a profit sharing system. In Mudharabah Deposits, the customer is a shahibul maal who will get a ratio according to the profit from the Bank. In Mudharabah Financing, the Bank as shahibul maal will get a ratio according to the profit of the Mudharib. Observing further the suitability of Islamic Bank products, especially Mudharabah Deposits and Mudharabah Financing, with the Mudharabah system in the fiqh literature, a sharia study of these products is compiled which is poured into this scientific paper
Gambaran Pelaksanaan Pelayanan Kesehatan Jiwa Di Puskesmas Jogonalan II Kabupaten Klaten
Get PDFBackground : According to Law No. 18 of 2014 that basic mental health services as referred to in article 33 paragraph 2 letter a are mental health services held integrated in public health services in health centers. The results of the preliminary study in getting the number of puskesmas in Klaten Regency were 34 puskesmas and there were only 3 puskesmas that had implemented the Posyandu mental program. The initial interest of the researchers was that the Jogonalan II Health Center was called a pilot health center. In addition, it was obtained data that a year ago there were 101 mental disorders diagnosed with schizophrenia. The purpose of this study is to determine the description of the implementation of mental health services at Jogonalan II Health Center.
Method : The author uses qualitative methods with a phenomenological approach. The researcher determined the research subjects using pusposive sampling techniques. In this study the number of respondents was 6 people. In conducting research the author uses interview guidelines that are based on theory. The researcher conducted an interview with the section on prevention of non-communicable diseases, officers implementing mental health services in health centers, and families of patients who had sought treatment at the puskesmas. In this study data collection techniques used observation, interviews and documentation.
Research Result : The results of this study that the implementation of mental health services in the handling of mental disorders in jogonalan include (1) non-medical services that have been carried out namely counseling, training, early detection, occupational counseling and therapy, (2) mental health post program, early detection, and patient visits soul to home (3) puskesmas have reconciled. Suggestions for puskesmas should consider community mental health services so that they will improve in the future
Captivating university students’ digital literacy competence: Learning from photovoice
Get PDFAs the world rapidly shifts from in-person interactions to online ones, people are becoming more aware of the importance of digital literacy competence in the 21st century. Numerous studies confirm that digital literacy competence accelerates students’ academic achievement and recommend incorporating digital literacy competence in academic syllabi in higher education to equip students with the competencies. This study aims to cultivate digital literacy competence, specifically Information and data literacy, through a class intervention in English for Academic Purposes (EAP) courses for engineering undergraduate students. The class intervention incorporates one area of digital literacy competencies, information and data literacy, as stated in DigCom 2.0 Framework – a digital competence framework for citizens developed by the European Commission. This qualitative study executes a case study approach using photovoice (PV) to investigate students’ experience and competence development in information and data literacy since (PV) can be used to portray changes and experiences while acquiring a specific competence. This study involves 20 out of 78 taking EAP classes as general courses, and data are collected through learning journals to capture students’ learning experiences using photovoice. The collected data are analyzed using an emotional geography framework, which explores how people experience and express their emotions during interaction with their environment, including people and circumstances. These emotions are categorized into several areas: personal, physical, moral, professional, and political. The result shows that the class intervention has brought about a new understanding of digital literacy and the student’s awareness of information and data literacy. Before the class, they considered digital literacy competence merely operating digital devices. After the class, they recognized the importance of information and data literacy and techniques to evaluate information from online sources by considering its currency, relevancy, author, accuracy, and purpose. Therefore, this study recommends incorporating digital literacy into all disciplines and further study on other core competencies in digital literacy, as suggested in DigCom 2.0
Pengaruh Marketing Mix Dan Kualitas Pelayanan Terhadap Kepuasan Konsumen Mujigae Resto Bekasi
Get PDFThis study aims to determine whether the marketing mix has an effect on consumer satisfaction at mujigae restaurants, whether service quality affects customer satisfaction at mujigae restaurants, and whether both have an effect on customer satisfaction at mujigae restaurants. The results obtained by the author in this study are for the marketing mix variable because the t count value is greater than t table (4.54 > 1.6648) and the significance value is less than 0.05 (0.000 < 0.05), it can be concluded that the marketing mix influences which is significant to customer satisfaction, for the service quality variable because the t value is greater than t table (5.99 > 1.6648) and the significance value is less than 0.05 (0.000 < 0.05), it can be concluded that service quality has a significant effect on customer satisfaction, and for the second effect because the calculated F value is greater than F table (73.193 > 3.11), and a significance value of 0.000 < 0.05, it can be concluded that the marketing mix and service quality have a positive and simultaneous effect on customer satisfaction
Indonesia\u27s Role in Digital Diplomacy Through the Regional Conference on Digital Diplomacy (RCDD)
Get PDFDeveloped countries and developing countries have now implemented digital diplomacy for the benefit of their foreign policy. Digital diplomacy is very important considering the massive development of technology. Indonesia as a developing country initiated the holding of the Regional Conference on Digital Diplomacy forum for 16 countries in the Asia-Pacific region. Where it is located regionally or regionally adjacent and has similar interests. In this study, researchers focused more on Indonesia\u27s digital diplomacy through the Regional Conference on Digital Diplomacy. The author\u27s analysis uses qualitative research methods by prioritizing literature studies or library research and is aligned with the theory of digital diplomacy and the theory of regionalism. The results of this study indicate that 1) Digital diplomacy is carried out by Indonesia to follow world digital technology; 2) Regional Conference on Digital Diplomacy is an effort made by the Ministry of Foreign Affairs of the Republic of Indonesia in building national forces through digital diplomacy meetings and the Asia Pacific region is a top priority in Indonesian regionalism politics; 3) Indonesian Digital Diplomacy through the Regional Conference on Digital Diplomacy is held as a follow-up to the International Seminar and International Conference on Digital Diplomacy. So that RCDD is in accordance with the objectives in the use of digital technology and increasing the contribution of Indonesia\u27s foreign policy in the Asia-Pacific region
