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All Journal Jurnal Promkes: The Indonesian Journal of Health Promotion and Health Education Sumatera Medical Journal CITRA JUSTICIA : Majalah Hukum dan Dinamika Kemasyarakatan Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora International Journal of Educational Review, Law And Social Sciences (IJERLAS) Jurnal Pengabdian Masyarakat IPTEK International Journal of Integrative Sciences Jurnal Pengabdian Masyarakat Ilmu Pendidikan UPMI Proceeding Series Journal Values: Jurnal Kajian Islam Multidisiplin Journal of Islamic Education and Learning
Ismayani
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Social Sciences Other

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PERJANJIAN ASURANSI TERHADAP BARANG AGUNAN YANG TELAH DIBEBANI HAK TANGGUNGAN SEBAGAI JAMINAN KREDIT Ismayani; Fahrul Rizal
Citra Justicia : Majalah Hukum dan Dinamika Masyarakat Vol. 27 No. 1 (2026): Februari 2026
Publisher : Universitas Asahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36294/p16y1527

Abstract

Pihak tertanggung dan penanggung memiliki hak serta kewajiban yang harus dipenuhi sesuai dengan perjanjian yang telah disepakati. Tertanggung berkewajiban membayar premi sebagai imbalan atas perlindungan yang diberikan, sedangkan penanggung wajib memberikan ganti rugi apabila di kemudian hari terjadi risiko yang dijamin dalam perjanjian. Adanya kesepakatan para pihak merupakan unsur esensial yang menentukan sah atau tidaknya suatu perjanjian. Rumusan masalah dalam penelitian ini meliputi bagaimana pengaturan serta pelaksanaan perjanjian asuransi terhadap barang agunan yang telah dibebani Hak Tanggungan sebagai jaminan kredit. Metode penelitian yang digunakan adalah studi kepustakaan (library research), yaitu dengan mengumpulkan bahan hukum melalui buku, karya ilmiah, dan peraturan perundang-undangan yang berkaitan dengan permasalahan yang diteliti. Pengaturan perjanjian asuransi terhadap barang agunan yang dibebani Hak Tanggungan di Indonesia didasarkan pada Undang-Undang Nomor 4 Tahun 1996 tentang Hak Tanggungan dan Undang-Undang Nomor 40 Tahun 2014 tentang Perasuransian, serta ketentuan yang ditetapkan oleh Otoritas Jasa Keuangan. Pengasuransian terhadap objek jaminan dilakukan dengan mencantumkan klausul kewajiban mengasuransikan objek Hak Tanggungan dalam Akta Pemberian Hak Tanggungan (APHT). Pelaksanaan perjanjian asuransi atas barang agunan tersebut merupakan mekanisme penting dalam melindungi kepentingan kreditur, seperti bank atau lembaga pembiayaan, maupun debitur dari risiko kerugian akibat kerusakan atau musnahnya objek jaminan. Perjanjian asuransi bersifat accessoir, yaitu sebagai perjanjian tambahan dari perjanjian kredit dan Hak Tanggungan, di mana dalam polis asuransi bank ditunjuk sebagai penerima pembayaran klaim (loss payee clause).
Pelatihan Literasi Ekonomi dan Keterampilan Komunikasi Melalui Kegiatan Market Day di Sekolah Tarigan, Fatin Nadifa; Ismayani; Zsazsa , Cut Sah Kha Mei; Elanda, Yochie; Rizki, Ainur; Kaifu, Yoshita
Jurnal Pengabdian Masyarakat Ilmu Pendidikan Vol. 5 No. 2 (2026): May 2026
Publisher : Fakultas Keguruan dan Ilmu Pendidikan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/jpm-ip.vol.5i.2.1822

Abstract

Economic literacy and communication skills are essential competencies that help students understand business concepts and interact effectively in professional and social environments. Early exposure to these competencies is important to encourage students to apply economic principles and communication skills in real-life situations. Therefore, the Market Day activity was conducted to introduce students to the concept of micro, small, and medium enterprises (MSMEs) while improving their communication abilities through practical experience. This community service program integrates economic literacy education with communication training, including verbal and non-verbal communication, public speaking, product promotion, and customer service. The activity involved 30 students who were divided into several groups and participated in product planning, product creation, and direct selling activities over two days. Evaluation was conducted through observation and performance assessment during the activity. he results showed positive improvements in students' understanding of basic economic concepts and communication abilities. Approximately 83% of students demonstrated increased confidence in interacting with customers, while 78% showed better ability in explaining and promoting products effectively. In addition, students demonstrated greater creativity, teamwork, and enthusiasm. In conclusion, the Market Day program was effective in enhancing students' economic literacy and communication skills through practice-based learning experiences.
Mengoptimalkan Potensi Siswa melalui Pendekatan Multiple Intelligences dalam Pembelajaran Auralia, Feby Angel; Ismayani; Lesmana, Gusman
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 11 No. 1 (2025): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v11i1.3491

Abstract

Humans as creatures created by Allah SWT have diverse intelligence, which is not limited to intellectual ability as measured through IQ. The Multiple Intelligence Theory proposed by Howard Gardner identifies nine types of intelligence, namely linguistic, logical-mathematical, spatial, kinesthetic, musical, interpersonal, intrapersonal, naturalist, and existential. This research uses descriptive methods to describe the importance of the multiple intelligences approach in education. The results show that learning that is diverse and appropriate to student characteristics can increase motivation, prevent feelings of low self-esteem, and support academic achievement and social-emotional development. Therefore, educators are expected to adapt learning strategies that cover all aspects of intelligence, so that students can reach their maximum potential in the learning process. Success in the real world requires a holistic understanding of intelligence, involving a combination of multiple abilities.
Co-Authors Abdul Muiz Alwi Fahruzy Nasution Andrei Ramani Aninditya Ardhana Riswari Anysiah Ely Yulianti Auralia, Feby Angel Dewi Ayu Lestari Elanda, Yochie Epi Supriyani Siregar Fahrul Rizal Fahrul Rizal, Fahrul Fatin Nadifa Tarigan Fikriyah Iftinan Fauzi Jayanti Dian Eka Sari, Jayanti Dian Kaifu, Yoshita Lesmana, Gusman M. Irsan Nasution Namirah Aulia Rizki Herdianisah Pangeran, Pangeran Rachmah Indawati Renny Maisyarah Rifai Abun Riris Diana Rachmayanti Rizki, Ainur Yochi Elanda Zsazsa , Cut Sah Kha Mei