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Natassya Handayani
Universitas Negeri Medan
Humanities Education Social Sciences

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Janji Bayar Nanti : Tinjauan Hukum Perdata Terhadap Wanprestasi Utang Piutang Di Kalangan Mahasiswa Unimed Agnes Olivia Sitompul; Devina Joy Septina Pakpahan; Eva Nurul Huda; Gloria Tampubolon; Kristin Manalu; Meya Amelia; Natassya Handayani; Rista Novita Sari Perangin-Angin; Sri Hadiningrum
Journal of Citizenship Volume 5, Issue 2, 2026
Publisher : HK Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/joc.v5i2.745

Abstract

Praktik utang piutang sering terjadi di kalangan mahasiswa untuk memenuhi berbagai kebutuhan, namun tidak jarang menimbulkan wanprestasi yang berdampak pada hubungan sosial. Penelitian ini bertujuan menganalisis bentuk wanprestasi, faktor penyebabnya, dan tinjauannya berdasarkan hukum perdata. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa bentuk wanprestasi yang paling sering terjadi adalah keterlambatan pembayaran, tidak adanya kepastian pelunasan, dan penghindaran komunikasi saat dilakukan penagihan. Faktor penyebabnya meliputi kondisi ekonomi yang belum stabil, gaya hidup konsumtif, rendahnya tanggung jawab pribadi, serta pengaruh layanan paylater dan pinjaman online. Berdasarkan hukum perdata, perjanjian utang piutang secara lisan tetap dianggap sah apabila memenuhi syarat perjanjian, sedangkan pelanggaran terhadap kewajiban yang telah disepakati dapat dikategorikan sebagai wanprestasi. Fenomena ini tidak hanya menimbulkan kerugian materi, tetapi juga menurunkan kepercayaan dan mengganggu hubungan pertemanan antarmahasiswa. Kata Kunci: Wanprestasi, Utang Piutang, Mahasiswa, Hukum Perdata.
Analisis Keadilan Distribusi Pemberian Bansos oleh Pemerintah Daerah Berdasarkan Nilai Kemanusiaan dan Keadilan Sosial Pancasila Fritji Frido Lourenjo Purba; Parlaungan Gabriel Siahaan; Grace Emmanuella Malau; Putri Rahmadani Lubis; Ana Silva Siringo Ringo; Rizka Lidwina; Natassya Handayani
Khatulistiwa: Jurnal Pendidikan dan Sosial Humaniora Vol. 6 No. 2 (2026): Juni: Khatulistiwa: Jurnal Pendidikan dan Sosial Humaniora
Publisher : AMIK Veteran Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/khatulistiwa.v6i2.11177

Abstract

This study is motivated by ongoing issues in the distribution of social assistance (bansos) by local governments, which have not fully reflected the values of humanity and social justice in Pancasila, particularly the second and fifth principles. The problems include inaccurate targeting, unreliable beneficiary data, limited transparency, and weak coordination. This research aims to analyze the alignment of social assistance distribution with Pancasila values and identify its obstacles. This study applies a qualitative descriptive approach conducted in Sampali Village, Percut Sei Tuan District, Deli Serdang Regency, North Sumatra. Data were collected through observation, interviews, and documentation, and analyzed through data reduction, presentation, and conclusion drawing. The findings indicate that social assistance distribution has not been fully fair and equitable due to data inaccuracies, limited verification, lack of information dissemination, and weak supervision. However, the program still provides benefits in meeting basic needs. Improvements in data systems, transparency, community participation, and continuous evaluation are needed to better reflect humanitarian and social justice values.
Co-Authors Agnes Olivia Sitompul Ana Silva Siringo Ringo Devina Joy Septina Pakpahan Eva Nurul Huda Fritji Frido Lourenjo Purba Gloria Tampubolon Grace Emmanuella Malau Kristin Manalu Meya Amelia Parlaungan Gabriel Siahaan Putri Rahmadani Lubis Rista Novita Sari Perangin-Angin Rizka Lidwina Sri Hadiningrum