Suchergebnisse

Micro-businesses have an essential role in driving an economic revival in Indonesia. However, they are particularly vulnerable during the pandemic. The COVID-19 pandemic has significantly impacted the long-term viability of micro, small, and medium-sized enterprises (MSMEs) in the financing, production, distribution, and market demand. This paper argues that an assistance policy model for micro-businesses accelerating the economy during a pandemic is needed. It also raises the question of how government policies in developing micro-businesses. The library method, which relied on secondary data, was used to conduct the research. The result suggests that the ideal assistance model policy for MSMEs in accelerating the regional economy is by using platform-based digital technology so that the flexibility of purchasing raw materials to sales can be integrated into one and reach all consumers around the world. Government policies in developing MSMEs in the new normal era include launching the National Economic Recovery Program, as mandated by Government Regulation Number 23 of 2020, implementing stimulus programs for MSMEs such as interest subsidies and restructuring.

ABSTRAK Salah satu produk yang diterapkan oleh lembaga perbankan adalah adanya sistem payment secara online. Dalam sistem payment online point, bank berfungsi sebagai lembaga penyedia jasa dalam lalu lintas pembayaran. Kedudukan hukum konsumen/nasabah sistem payment yang menggunakan jasa perbankan dalam melakukan tagihan pembayaran kepada pelaku usaha. Peraturan perundang-undangan, khususnya di bidang perbankan maupun peraturan di bidang perlindungan konsumen telah mengatur secara jelas tentang perlindungan terhadap hak-hak para konsumen/pelanggan yang terlibat dalam sistem payment online bank, khususnya dalam hal terjadinya keluhan terhadap pihak bank maupun nasabah pengguna. Metode yang digunakan dalam penelitian ini adalah dengan cara yuridis normatif. Dalam penelitian ini, ada dua pendekatan pokok yang digunakan yaitu: Pendekatan Perundang-undangan (statute approach), serta Pendekatan Konsep (conceptual approach). Penelitian hukum normatif didasarkan data sekunder dan menekankan pada langkah-langkah spekulatif-teoritis dan analisis normatif-kualitatif. Perlindungan hukum terhadap konsumen yang telah menggunakan jasa perbankan yang menggunakan Sistem Online Payment Point dapat dilihat dalam POJK Nomor 1 Tahun 2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan dimana dalam POJK tersebut tertuang perlindungan hukum kepada nasabah pengguna jasa perbankan yang melindungi nasabah dalam menggunakan produk dan jasa perbankan khususnya dalam sistem pembayaran yang menggunakan sistem online dalam perkembangan teknologi saat ini. Kata kunci: bank; hukum; konsumen; payment; perlindungan. ABSTRACT One of the product used by banking institutions is online payment system. In the online point payment system, the bank becomes service provider under a payment traffic. Legal standing of the consumer in such customer payment system is the user of banking services in billing payments to business actors. Laws and regulations, especially in the banking sector and regulations in the field of consumer protection, have clearly regulated the protection of the rights of consumers or customers involved in the bank's online payment system, especially in the presence of complaints against the bank. The method used in this study is a normative juridical method. There are two main approaches that are used in this research, namely: Legislation, and Concept Approach. Normative legal research is based on secondary data and emphasizes speculative-theoretical steps and normative-qualitative analysis. Legal protection for consumers who have used banking services in the Online Payment Point system can be seen in the Financial Services Authority Regulation Number 1 of 2013 concerning Consumer Protection in the Financial Services Sector where legal protection is provided to customers who use banking services that protect customers in using banking products and services especially in payment systems. Keywords: bank; costumer; law; payment; protection.

Currently, the bank had a very important and very strategic role in various fields, as mandated by Law No. 7 on 1992 as amended and added into Law No. 10 on 1998 concerning banking where the bank has the main function of collecting and channeling the funds back to the community. Currently, the community cannot be separated from the banking world because it is no longer a public secret that banking services are very helpful towards the economic activities, especially entrepreneurs who want to expand their business. The research method used to answer the problems in this research is to use the normative legal research approach which is also called theoretical legal research or dogmatic legal research because it does not study the implementation of legal imperative. Data processing is done by several stages, namely data selection, data classification, and data systematics. Furthermore, the data is processed and analyzed qualitatively. The results of research and discussion show that legal certainty made by the government as an effort to protect the banks and debtors while the efforts that can be taken in settlement of troubled banks can be made by reconditioning, restructuring, and rescheduling. Besides the existence of 3R as one of the problems solving loan models, there are also models of problem-solving loans such as selling collateral underhand or takeover. Keywords: Model Alternative Settlement, Credit, Problematic, Banking.

A curiculum as a teaching program of one of the instutions may have changed in accodance with the need of the society. In Indonesia, the government under the administration of the Ministry of National Education has made the changes of curriculum for several times, such as, KTSP 2006 (unit lesson-based curriculum) and Kurikulum berbasis karakter2013 (character-based curriculum).These changes are aimed at developing the quality of education in this country. This writing discusses the differences between KTSP 2006 and Kurikulum berbasis karakter 2013. Through the discussion, it is found that there are some differences between both of these curriculum in many aspects in lessons focused, methods applied, students' achievement scale, and teaching learning goals.

Islam in the Malay World is recognized as one of the most influential cultural areas of the seven cultural regions in the world. Each of these cultural areas despite the Islamic flag, but has different cultural characteristics, each region of culture has its own characteristics and character. In this case, a cultural richness can not be compared to any other State which is equally within the framework of the area of Islamic culture. From this can be seen the difference between Islamic culture in Arab and Islamic culture in the Malay World. The existence of Malay culture and identity increasingly disappears in the midst of Malay society. One of the causes is the political factor with the distribution of several countries including: Indonesia, Malaysia, Brunei Darussalam, Singapore, Myanmar, Vietnam, Thailand and others. Looking into smaller units, the Malay World is now seen as a stand-alone ethnic unit. Each is oriented regional or local politics rather than the general cultural traits of its Malay. Nevertheless, the network of Malay or collective identity is still maintained and preserved until now. This paper analyzes the Malay World in historical trajectories and the extent to which Malay identity has been entrenched and rooted in the midst of society, now the Malay culture and identity is increasingly disappearing in the midst of Malay society. The approach in this paper is the historical approach. Malay identity can be seen from: First, Malay Polynesian race. Second, the Austronesian language family. Third, Iskandar Zulkarnaen the myth of the origin of his descendants. Fourth, it has a 'Malay' customary 'adat' with the use of Malay with some variations of its local dialect. Fifth, Islamic religion. Sixth, it has many similarities in cultural elements in addition to local distinctions. Seventh, strong tolerance, moderate, and cultural approach.

Peribahasa Melayu berupa pepatah, perumpamaan, pemeo dan pantun atau sajak dalam Tafsir Al-Azhar karya Hamka sebagai wacana budaya, politik dan agama, dapat dipahami dengan baik melalui metode pendekatan analisis wacana kritis (AWK). Pendekatan ini dapat dengan jelas mengungkapkan hubungan antara wacana (discourse), kekuasaan, dominasi, ketidaksetaraan sosial yang berkembang mengiringi hadirnya wacana tersebut dengan memfokuskan pada bahasa yang digunakan, wacana yang dibangun, interaksi verbal dalam kegiatan komunikasi. Dilihat dari analisis wacana kritis, peribahasa Melayu yang dibawakan Hamka dalam Tafsir al-Azhar memperlihatkan adanya tiga aspek produksi makna dalam kehidupan sosial yang menyiratkan adanya kepentingan, maksud dan tujuan tertentu, atau bahkan nilai yang disembunyikan di balik peribahasa Melayu yang digunakan oleh Hamka, yakni aspek budaya, politik dan agama.

Penelitian ini bertujuan untuk mengungkap pemikiran sosiologi politik Islam Abdul Wahhab Khallaf dalam kitabnya al-Siyāsah al-Syar'iyyah. Penelitian ini menggunakan metode kajian kepustakaan (library research) yang bersifat kualitatif. Pembahasan yang dikemukakan didasari bahan-bahan yang diteliti melalui sumber utama yaitu kitab al-Siyāsah al-Syar'iyyah karya Abdul Wahhab Khallaf, kitab-kitab fiqh lainnya dan beberapa tulisan yang relevan. Dari kitab-kitab tersebut dikutip berbagai pendapat dan argumentasi para ulama beserta dalil-dalil yang mereka kemukakan. Sedangkan hasil yang didapat adalah bahwa buku al-Siyāsah al-Syar'iyyah merupakan karya monumental di antara sederetan karya ilmiah Abdul Wahhab Khallaf. Buku ini merupakan hasil studi beliau sewaktu mendalami studi khusus bidang hukum pada tahun 1342 H, atau bertepatan dengan bulan desember 1923. Buku ini menampilkan konsep dan strategi hukum Islam yang sangat menarik untuk dibahas, meskipun isi dan kapasitas buku ini termasuk kajian buku klasik. Namun orisinilitas pemikiran penulis tampak jelas dalam sikap apologiknya, bahwa isu dan klaim hukum Islam bersifat statis, adalah tidak benar. Yang benar adalah bahwa karakteristik dan tujuan sentral hukum Islam berasaskan maslahah, serta bersifat elastis dan dinamis. Abdul Wahhab Khallaf dalam kitabnya al-Siyāsah al-Syar'iyyah membahas hakikat politik hukum Islam yang menyangkut persoalan-persoalan politik hukum perundang-undangan, kebebasan individu, asas persamaan, hubungan negara Islam dengan negara non-Islam, peraturan peperangan, peraturan perdamaian, politik keuangan, pajak, pendayagunaan keuangan, dan sumber-sumber keuangan, di samping tentang sejarah bait al-Māl.

Education in the Islamic boarding school not only emphasize on cognitive acquire, but also how to implement the values of that cognitive comprehension itself. Therefore, Islamic boarding school develops the religious culture to embody the positive behavior to students in their daily life through religious values. For this reason, this study aimed to find out the values of religious culture existed in Islamic boarding school. This study was a qualitative descriptive design.Observation, in-depth interviews, and document analysis were used to collect the data. The data were analyzed comprised of four components, namely 1) Data collection, 2) Data Reduction, 3) Data display, and 4) Data verifications or conclusion. The result of this study showed that; 1) The type of religious culture implemented at Abu Hurairah Islamic boarding school Mataram west Nusa Tenggara on Madrasah Aliyah (Senior High School) include; Smile and Greeting habituation, mutual respect, and tolerance, praying Dhuha, Praying Zuhur on the congregation, tadarrus Al-Qur'an (learning Al-Qur'an) / Tahfiz Al-Qur'an (memorizing of Al-Qur'an), 2) the implementation of Religious culture. Values in teaching and learning at Abu Hurairah Islamic boarding school Mataram west Nusa Tenggara on Madrasah Aliyah (Senior High School) through the activities of curricular, co-curricular, and extracurricular. The values of religious culture embodied by students included; the spirit in obeying rules of Islamic religion, the spirit of mutual help, the spirit of brotherhood, the spirit of sacrifice, spirit to love science, spirit for working hard, and spirit of tolerance. 3) The implication of embodiment values of the multi-religious culture at Islamic Boarding Schools was impacted to all Islamic Boarding Schools officials, especially to the students, they have good behavior, speak politely, always respect towards diversity, more active in social activity in the society, mutual help, more discipline, and more competitive in facing the social problem in society, and the graduates has ability to compete to be accepted in the State University or private university.

The problem in this paper is how the historiography format of the Nusantara Islam. Whereas the focus of his study of the traditional historiography of Nusantara Islam, the historiography of the archipelago's Islam and the historiographic themes of the archipelago's Islam. The approach used in this study is the historiography and analytical descriptive approach. Islamic historiography of the archipelago can be divided into two. First, the traditional historiography of the Islamic archipelago. Second, the modern historiography of Islamic Nusantara. The Islamic historiography of the archipelago can be grouped into five. First, saga. Second, khabar. Third, Tambo. Fourth, story. Fifth, genealogy. The historiographic themes of Nusantara Islam can be divided into five. First, the theme revolves around the work of local history writing. Second, the theme revolves around the work of general history writing. Third, the theme revolves around the work of writing military history. Fourth, the theme revolves around the work of biographical writing. Fifth, the theme revolves around the work of historical novels.

This study revealed that the integration of local Sasak culture as a solution toward intolerance that occurs in school's environment in West Nusa Tenggara province. The phenomenon of brawls, bullying, and acts of discrimination in forcing the use of school uniforms as a symbol of identity impacted on tolerance between and within religious communities. Does the majority always discriminate against the minority? This study used descriptive method; the data analysed used Hary King Nomogram analysis, by phenomenological approach. The teaching materials of religious education in the schools do not teach thoroughly how to live together in the post truth era, while the various religious and cultural backgrounds can be used as a solution to manage the conflict, this study also explained the characteristics of advanced humans in the millennial era civilization by living together in various religious backgrounds.

Sources of collection of banking funds collected from the community are then distributed to the community in the form of credit. If the amount of funds disbursed by the bank to the community through credit are not refundable in accordance with the term has been agreed, the credit quality can be classified as non-performing loans or often referred to as Non Performing Loan (NPL). The impact of high NPL levels is disrupted by the liquidity of each banking institution.Research Objectives are: (1) To analyze the supervision of the application of prudential principles in the provision of bank credit conducted by the Financial Services Authority under the Act Number 21 of 2011 on the Financial Services Authority. (2) To analyze the inhibiting factors in supervising the application of prudential principles in the provision of bank credit by the Financial Services Authority. Furthermore, this research uses research method with normative juridical approach, that is by collecting secondary data that is literature materials, as a technique to get information through tracing legislation and other regulations in accordance with research problems and then the data is analyzed by qualitative juridical .The results of the research show that (1) Supervision of prudential principles in the provision of bank credit conducted by the Financial Services Authority under the Act Number 21 of 2011 concerning Financial Services Authority shall be conducted by Compliance Based Supervision (CBS), that is Compliance Monitoring banks against provisions relating to the operation and management of banks in the past in order to ensure that the bank has been operating and managed properly and properly according to prudential principles. In addition, Risk Based Supervision (RBS) is implemented, ie supervision using risk-based strategies and methodologies that enable bank supervisors to detect significant risks early and take appropriate and timely monitoring actions. (2) Inhibiting factors in supervising the application of prudential principles in the provision of bank credit conducted by the Financial Services Authority is one of the most important that customers often in providing data to the Bank inaccurate and the existence of the prospective customer's delay in completing the file submission of credit. Keywords: Supervision, Financial Services Authority, Prudential Banking Principles, Credit

Perlindungan hukum terhadap konsumen yang merupakan penumpang perusahaan penerbangan domestik di Indonesia diatur oleh Undang-Undang No. 1/2009 tentang Penerbangan jo. Undang-Undang No. 8/1999 tentang Perlindungan Konsumen. Peraturan perundang-undangan menjelaskan tanggung jawab perusahaan penerbangan, perlindungan hukum dan jumlah ganti rugi terhadap penumpang yang dirugikan. Dalam praktiknya, belum semua perusahaan penerbangan niaga domestik menjalankan sepenuhnya aturan terkait tanggung jawab terhadap penumpang. Penumpang selaku konsumen yang mengalami kerugian dapat mengajukan gugatan atau klaim kepada perusahaan penerbangan. Penyelesaian sengketa dapat ditempuh melalui dua jalur yaitu jalur pengadilan dan jalur di luar pengadilan. Disarankan kepada Kementerian Perhubungan untuk menindak tegas maskapai yang melanggar peraturan perundang-undangan, dan peninjauan kembali jumlah nilai ganti rugi bagi penumpang yang dirugikan. The Protection and Responsibility of Domestik Airlines Company PT LAI to Consumers as Its The Passengers Legal protection for consumers who are passengers of domestic airlines in Indonesia is governed by Law No. 1/2009 on Flight jo. Law No. 8/1999 on Consumer Protection. Legislation explains the responsibility of airlines, legal protection and the amount of compensation for injured passengers. In practice, not all domestic commercial airlines have fully implemented the rules regarding passenger liability. Passenger as a consumer who suffers a loss may file a accusation or claim to the airline. Settlement of disputes can be pursued through in court and out of court. It is advisable to the Ministry of Transport to take firm action against airlines in violation of legislation, and review of the amount of compensation value for injured passengers.

Wilayah Provinsi Nusa Tenggara Barat (NTB) menjadi salah satu daerah yang terdampak Gempa Bumi di tahun 2018 dimulai dari akhir Juli hingga September 2018, Pemerintah Republik Indonesia merespon kondisi darurat tersebut, melalui Badan Nasional Penanggulangan Bencana (BNPB) menetapkan masa darurat, menyikapi kebijakan yang ada dalam penanganan perbaikan dan pembangunan rumah di atur dalam petunjuk pelaksanaan dan petunjuk teknis. Dalam rangka mengukur capaian perbaikan dan pembangunan rumah korban bencana gempa bumi di Provinsi NTB maka perlu dilakukan evaluasi sejauhmana kesesuaian kebijakan yang di lihat dari efektivitas, efisiensi, kecukupan, pemerataan dan ketepatan dalam pelaksanaan perbaikan dan pembangunan rumah.Abstract: The Province of West Nusa Tenggara (NTB) was one of the areas affected by the Earthquake in 2018 starting from the end of July to September 2018, the Government of the Republic of Indonesia responded to this emergency, through the National Disaster Management Agency (BNPB) establishing an emergency period, responding to policies in handling the repair and construction of houses is regulated in the implementation instructions and technical instructions. In order to measure the achievement of repairs and construction of houses for earthquake victims in the Province of NTB, it is necessary to evaluate the extent of the policy suitability in terms of effectiveness, efficiency, adequacy, equity and accuracy in the implementation of house repairs and construction.

The obligation to register a halal certificate is stated in Article 4 of The Halal Product Guarantee Laws "Products that enter, circulate, and are traded in the territory of Indonesia must be certified halal". Therefore, the purpose of this study is to explain the mandatory implementation of halal certification carried out by the Department of Cooperative Industry and Trade of the Bima City for its Small & Medium-Sized Enterprises (SMEs), because it is one of the government instruments authorized to accommodate those who wish to register a halal certificate. The research method used in this research is descriptive qualitative, to support this research it takes several parties as respondents from the Department of Industrial and Trade Cooperatives and SMEs (DISKOPERINDAG) and so that this research can produce data that can provide conclusions regarding the implementation of mandatory halal certification by the Department of Cooperative Industry and Trade of the Bima City for its SMEs. From this research, it can be concluded that DISKOPERINDAG has carried out socialization in the form of seminars and training and provided information through the official website of DISKOPERINDAG Bima City. In addition to socialization, DISKOPERINDAG also provides assistance in procuring halal certificates for UMKM in the Bima City, it makes SMEs feel helped in registering halal certificates