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All Journal HUMANIS Jurnal SPEKTRUM Jurnal Mahasiswa Fakultas Hukum JURNAL FARMASI DAN ILMU KEFARMASIAN INDONESIA J-EBIS (Jurnal Ekonomi dan Bisnis Islam) JURNAL PENGABDIAN KEPADA MASYARAKAT Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat Jurnal Onoma: Pendidikan, Bahasa, dan Sastra JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Jurnal PkM (Pengabdian kepada Masyarakat) JUSTER: Jurnal Sains dan Terapan Media Ekonomi Sejahtera: Jurnal Inspirasi Mengabdi Untuk Negeri Termometer: Jurnal Ilmiah Ilmu Kesehatan Dan Kedokteran Jurnal Pendidikan Sosial dan Konseling Jurnal Anestesi: Jurnal Ilmu Kesehatan dan Kedokteran Aspirasi : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat Al-Zayn: Jurnal Ilmu Sosial & Hukum Jurnal Manajemen dan Pendidikan Agama Islam AS-SHIHA: JURNAL KESEHATAN JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Aksi Nyata : Jurnal Pengabdian Sosial dan Kemanusiaan Journal Of Pharmacy
Ayu Rahmawati
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Legal Protection for Debtor committing Breach of Contract over “Extra Charge” collected by Debt Collector in Contract of Consumer Funding (A study in PT Suzuki Finance Indonesia in Malang) Ayu Rahmawati
Kumpulan Jurnal Mahasiswa Fakultas Hukum Sarjana Ilmu Hukum, Desember 2020
Publisher : Kumpulan Jurnal Mahasiswa Fakultas Hukum

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Abstract

Ayu Rahmawati, Prof. Dr. Suhariningsih,S.H.,SU, RumiSuwardiyati,S.H.,M.knFaculty of Law Universitas BrawijayaJl. MT. Haryono No. 169 MalangEmail : ayurahmawati50.ar@gmail.com ABSTRACT With empirical juridical method and socio-juridical approach, this research isaimed at analysing the legal provision for a debtor who commits breach ofcontract over „extra charge‟ collected by debt collector in the contract ofconsumer‟s funding. Research data was obtained from interviews with the Chiefof National Consumer Protection Agency in Indonesia, the Chief of Agency ofProtection and Dispute Resolution for Consumers, the President of PT. SuzukiFinance Indonesia in Malang, and the debtor committing breach of contract. Theonly legal protection the debtor can be provided with is mediation that takesplace in the Agency of Dispute Resolution for Consumers. Preventive actionneeds to be taken along with transparency and control of the content of thecontract in consumer funding. Moreover, enforcement of Article 48 paragraph (4)Financial Service Authority Regulation Number 35/POJK.05/2018 concerningFinance Company Establishment should be reviewed and more strictly supervisedin case of any arbitrariness that harms the debtor as a consumer committingbreach of contract.Keywords: legal protection, debtor committing breach of contract, finance,contract of consumer funding, debt collector, withdrawal fee, extra charge ABSTRAKPenelitian ini bertujuan untuk menganalisis bentuk perlindungan hukum yangtelah diberikan kepada debitur wanprestasi yang dikenai “biaya tambah” olehdebt collector pada perjanjian pembiayaan konsumen. Adapun jenis penelitianyang digunakan oleh penulis adalah yuridis empiris dengan metode pendekatanyuridis sosiologis. Teknik pengumpulan data berupa wawancara dengan KepalaLembaga Perlindungan Konsumen Nasional Indonesia, Kepala BadanPerlindungan Penyelesaian Konsumen, Kepala PT. Suzuki Finance Indonesia diKota Malang, dan Debitur Wanprestasi. Berdasarkan hasil penelitian dapatdiketahui bahwa bentuk perlindungan hukum yang telah didapat oleh debiturwanprestasi adalah hanya mediasi yang dilakukan di Badan PenyelesaianSengketa Konsumen Dan terkait upaya yang dapat dilakukan oleh pemerintahuntuk mencegah hal yang sama terjadi di masa mendatang, dapat dilakukanupaya preventif yang harus diiringi dengan transparansi dan kontrol terhadap isiperjanjian pembiayaan konsumen. Serta pemberlakuan Pasal 48 ayat (4) POJKNomor 35/POJK.05/2018 tentang Penyelenggaraan Usaha Perusahaan Pembiayaan perlu ditinjau dan dikawal lebih ketat karena dapat memberikancelah kesewenang-wenangan terhadap debitur wanprestasi sebagai konsumen.Kata Kunci : Perlindungan Hukum, Debitur Wanprestasi, Finance, PerjanjianPembiayaan Konsumen, Debt Colector, Biaya Tarik, Biaya Tambah 
INDONESIAN - ENGLISH CODE SWITCHING IN TORASHYNGU'S NOVEL "BEAUTY AND THE BEST" Ayu Rahmawati
Humanis Volume 14. No.2. Pebruari 2016
Publisher : Udayana University

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Abstract

Judul tulisan ini adalah "Indonesian - English Code Switching In Torashyngu's Novel Beauty and the Best" terutama ditujukan untuk mengetahui fenomena dari alih kode yang digunakan oleh penulis di novel. Bidang ilmu ini diharapkan dapat menjawab dua pertanyaan secara langsung, yaitu tipe-tipe alih kode dan alasan dari penggunaan alih kode dalam novel "Beauty and the Best". Teori utama alih kode yang digunakan dalam tulisan ini yang dikemukakan oleh Appel dan Musyken (1987) dan teori-teori pendukung dikemukakan oleh Grosjean (1983), Wardhough (1986) dan Romaine (1998). Appel dan Musyken membedakan tiga tipe dari alih kode diantaranya: tag switching, inter-sential switching dan intra-sential switching. Sedangkan, alasan dari penggunaan alih kode dikemukakan oleh Grosjean yang terbagi menjadi sepuluh alasan alih kode. Metode penelitian yang digunakan dalam pengumpulan data adalah penelitian kepustakaan. Penelitian kepustakaan digunakan karena sumber data penelitian ini diambil dari novel. Data dari tipe-tipe alih kode dianalisis melalui pemeriksaan dan dikategorikan masing-masing berdasarkan dari setiap tipe dan untuk alasan alih kode dianalisis melalui kuosioner yang mana dikirimkan ke penulis novel melalui e-mail. Dalam tulisan ini, penulis sudah memilih tujuh dari sepuluh alasan penggunaan alih kode yang di klasifikasikan oleh Grosjean.
AUDIT ENERGI LISTRIK PADA GEDUNG PLASA TELKOM TEUKU UMAR DENPASAR Ayu Rahmawati; I Made Suartika; Ida Bagus Gede Manuaba
Jurnal SPEKTRUM Vol 8 No 4 (2021): Jurnal SPEKTRUM
Publisher : Program Studi Teknik Elektro UNUD

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (321.902 KB) | DOI: 10.24843/SPEKTRUM.2021.v08.i04.p18

Abstract

The increasing need for electrical energy every year results in the availability of energysources is dwindling. Therefore, the need for energy conservation to streamline the use ofelectrical energy without reducing its comfort or productivity. The main factor of energyconservation is energy auditing. Plasa Telkom Teuku Umar is a company engaged intelecommunications. The convenience of employees and customers takes precedence overthis0company.0The best service0must also be followed by the efficient use of facilities. For thisreason, an electrical energy audit is needed. In this study, it was attached0to theair0conditioning0system and lighting system. It is attached to the air conditioning system andlighting system. Tools0that can be0used for measurement in the field are Lux Meter, (lightintensity measurement), Tang Ampere (electric current measurement), and Thermometer (roomtemperature measurement). The study was conducted by0calculating and comparing0electricalenergy consumption in lighting and air conditioning systems between before and after anenergy audit. Calculate the pre- and post-audit IKE (Energy Consumption Intensity) andcompare it to the IKE standard. The results of the study found energy savings of 36.06%. Fromelectricity usage of 16.86 kWh/m2/bln pre audit to 10.78 kWh/m2/mo post audit.
MENGKONSTRUKSI KETERAMPILAN SEBAGAI PEMBAWA ACARA PADA PENGURUS PKK DESA KARANGREJO KABUPATEN KARANGANYAR Miftakhul Huda; Ayu Rahmawati; Ermira Nilansari Putri
Jurnal PkM Pengabdian kepada Masyarakat Vol 4, No 5 (2021): Jurnal PkM : Pengabdian kepada Masyarakat
Publisher : Universitas Indraprasta PGRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30998/jurnalpkm.v4i5.6308

Abstract

Berbicara tidak sekadar melafalkan bunyi bahasa. Berbicara merupakan kemampuan yang kompleks. Di dalam keterampilan berbicara mengandung kemampuan pemilihan kata, pengendalian emosi, penguasaan audiens, dan wawasan yang luas. Keterampilan berbicara sebagai pembawa acara merupakan keterampilan minimal yang harus dimiliki oleh pengurus PKK. Hal ini penting karena sebagai pengurus, ketika di tingkat RT/ RW atau desa ada kegiatan, idealnya mampu tampil membawakan acara dengan baik. Selain itu, pengurus PKK merupakan orang-orang dipilih dan dipercaya memiliki kemampuan. Pengabdian masyarakat ini termasuk ke dalam jenis pelatihan. Mengontruksi keterampilan berbicara sebagai MC (master of ceremony) atau pembawa acara dilaksanakan di Jl. Onta 1 RT 01 RW 05 Karangrejo, Karanganyar. Peserta pelatihan adalah ketua RT Desa Karangrejo dan pengurus PKK Desa Karangrejo Karanganyar. Indikator keberhasilan kegiatan pengabdian ini adalah peningkatan keterampilan berbicara sebagai pembawa acara. Peningkatan keterampilan dapat dilihat dari sebelum dan sesudah pelatihan. Pretest berbentuk soal tentang keterampilan berbicara dan pembawa acara. Ada peningkatan kemampuan peserta sebesar 69% setelah dilakukan postest. Meskipun demikian, persentase nilai kenaikan dari masing-masing peserta berbeda. Beberapa peserta memiliki potensi dalam pemilihan diksi, sedangkan peserta lain memiliki potensi dalam kejelasan vokal.
ANALISIS KOMPARASI KINERJA REKSADANA PENDAPATAN TETAP BAGI HASIL (SYARIAH) DENGAN INDEKS LQ45 MENGGUNAKAN METODE SHARPE, JENSEN DAN TREYNOR Ayu Rahmawati; Wida Purwidianti
Media Ekonomi Media Ekonomi : Vol 15 No 1 Januari 2015
Publisher : Lembaga Publikasi Ilmiah dan Penerbitan (LPIP)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/medek.v15i1.1285

Abstract

This research was aimed at knowing the mutual fund’ performance of fixed-incom profit sharing (syariah) and comparing it to LQ45 indeks through sharpe, Jensen and Tteynor method in 2012. The proposed hypothesis was that there was a significant defference between the mutual funds’ performance of fixed-incom profit sharing (syariah) and comparing it to LQ45 indeks through sharpe, Jensen and Treynor method. The method of this reaserch was descriptive qualitative even though the data obtained was quantitatuf data. The population of this research was the fixed-income mutual funds which actively operated in Indonesia reffering to BAPEPAM during 2012. Thesample was taken through purposive sampling. There were 7 mutual funds which were analyzed. The data which were used in this research was the data of monthly NAB. Therefore the data wara totally 84 items. The data analysis was through paired sample-test. The result of this research was that the mutual funds’ performance of fixed-income profit sharing (syariah) with the method of sharpe was better than the performance of LQ45 with the average score 1224.83 while the LQ45 index score was -0.003608758. however, the statistical test did not show thesignificant difference. By using treynor method, both the mutual funds’ performance of fixed-income profit sharing (syariah) and LQ45 index were similarly positive, but the t-test computation did not show the significant difference. In addition, by using Jensen method, there was no significant difference between the mutual funds’ performance of fixed-income profit sharing (syariah) and LQ45 index after the t-test computation. Keywords: the mutual funds’ performance of fixed-income profit sharing (syariah), sharpe, Jensen and treynor method.
Implementasi Akad Mudharabah pada produk Mitra Mabrur Plus: Studi Kasus Asuransi Jiwa Syariah Bumiputera Cabang Medan Ayu Rahmawati; Muhammad Arif; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 3 No 1 (2023): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

Penelitian ini dilaksanakan di PT. Asuransi Jiwa Syariah Bumiputera Kantor Pemasaran Syariah medan. Jenis penelitian yang digunakan yaitu penelitian kualitatif, sumber data yang diperoleh berasal dari data primer dan sekunder. Dalam pengumpulan data penelitian ini menggunakan teknik kepustakaan, wawancara, observasi, dan dokumentasi. Kesimpulan yang diperoleh dari hasil penelitian ini adalah: Implementasi akad mudharabah yaitu peserta menyertakan 100% modalnya kepada pengelola untuk dikelola berdasarkan prinsip syariah sehingga keuntungan dibagi bersama sesuai dengan kesepakatan yang telah disepakati, sedangkan kerugian ditanggung oleh pemilik modal saja, pengelola tidak menanggung kerugian material karena pengelola menanggung kerugian lain berupa tenaga dan waktu. Perhitungan bagi hasil (mudharabah) di PT. Asuransi Jiwa Syariah Bumiputera Kantor Pemasaran Syariah Medan, dalam prakteknya sudah tersistem sehingga jika ada peserta yang bergabung, maka karyawan hanya memasukan data peserta ke komputer dan perhitungan dananya akan muncul secara otomatis. Berdasarkan polis Mitra Mabrur Plus, bagi hasil (mudharabah) yaitu 70:30 dimana 70% untuk peserta dan 30% untuk perusahaan.
DETERMINAN LIKUIDITAS PADA BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) DI INDONESIA Ayu Rahmawati; Nurjanah, Nurjanah; Amiruddin Yahya
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 2 (2022)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v7i2.4777

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Operating Expenses on Operating Income (BOPO), Non-Performing Financing (NPF), and Return On Assets (ROA) on the Liquidity of Islamic People's Financing Banks (BPRS) in Indonesia. This study uses a quantitative approach to secondary data in the form of time series data. The population of this research is all BPRS registered with the Financial Services Authority. The data analysis technique used in this study is multiple linear regression. The results obtained show that partially the Capital Adequacy Ratio (CAR) has a positive and insignificant effect on liquidity with a significance value of 0,941. > 0,05. Operating Expenses Operating Income (BOPO) has a negative and insignificant effect on liquidity with a significance value of 0,493 > 0,05. Non-Performing Financing (NPF) has a positive and significant effect on liquidity with a significance value of 0,005 < 0,05. And Return On Assets (ROA) has a positive and significant effect on liquidity with a significance value of 0,015 < 0,05. Simultaneously the independent variable has a significant effect on the dependent variable with a significance value of 0,001 < 0,05. This means that the Capital Adequacy Ratio (CAR), Operating Income Operating Expenses (BOPO), Non-Performing Financing (NPF), and Return On Assets (ROA) simultaneously (together) have a significant effect on liquidity at Islamic People's Financing Banks (BPRS) in Indonesia.
Evaluasi Kesesuaian Penyimpanan Obat Di Gudang Farmasi Rumah Sakit Umum Daerah Dr. Soekardjo Kota Tasikmalaya Ayu Rahmawati; Edi Suhardiana
Jurnal Anestesi Vol. 1 No. 4 (2023): Oktober : Jurnal Anestesi
Publisher : Stikes Kesdam IV/Diponegoro Semarang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59680/anestesi.v1i4.528

Abstract

Drug storage is one of the security activities for drugs that have been received. Storage of drugs in pharmacy installations is part of the integrity or feasibility of drugs before they are given to patients. Because errors in drug storage can make the dose or potency of the drug decrease and cause losses to the hospital. This research includes non-experimental research in the form of quantitative descriptive research conducted by observation and interviews related to the process of storing pharmaceutical preparations through an evaluation based on the Minister of Health of the Republic of Indonesia No. 72 of 2016, and the Director General of Binfar in 2010 and analysis of drug storage indicators. The average result of conformity to the Permenkes is 86%, the average is obtained from 70% storage requirements, 100% storage components, 100% storage systems, 80% storage methods and 80% storage equipment. The average result of conformity at the Director General of Binfar is 93%, the average is obtained from the spatial arrangement of 100%, preparation of 100% drug stock and 80% storage facilities. And the average results of storage indicators are 40%, with a TOR value of 5,1 times a year, warehouse arrangement is based on FIFO/FEFO, the percentage of expired/damaged drugs is 0.25%, and the percentage of empty drugs is 92%, the percentage of drugs dead by 0.04%. Based on the evaluation of the suitability of drug storage in the Pharmacy Warehouse of RSUD dr. Soekardjo, City of Tasikmalaya, it is necessary to increase the suitability of drug storage.
Implementasi Pendekatan Konseling oleh Guru BK dalam Mengatasi Kenakalan Siswa (Studi pada Siswa SMP Nurul Burhan) Ayu Rahmawati; Nurjannah
Jurnal Pendidikan Sosial Dan Konseling Vol. 1 No. 4 (2024): Januari - Maret
Publisher : CV. ITTC INDONESIA

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Abstract

Delinquency in early adolescent students often occurs, this is a transition from childhood to adulthood.This research contains how the role of a counselor as a problem solver in overcoming delinquency in students. This research uses descriptive qualitative methodology with the aim of knowing what approaches and techniques or treatments the counselor has applied in overcoming delinquency in Nurul Burhan Junior High School students. This research uses pupossive sampling technique, namely sampling by determining certain objectives and criteria. in this study there were four teachers and 3 students. This research shows that the approach applied is a humanistic and behavioristic approach, the treatment given by the counselor is using the punishment method, individual counseling, and classical guidance.
Penerapan Model Pembelajaran Differentiated Based Learning dalam Meningkatkan Kreativitas Siswa-Siswa di SD IT Darussalam Sunanih Sunanih; Afifah Avilani; Nabila Destiana; Siti Nabilah Hasna; Fauziah Tazkia Nur; Zahra Aulia Nugraha; Rizva Alvina; Gya Tri Lestari; Sri Purnama Sari; Devi Sri Agustin; Ayu Rahmawati; Fitri Pujiyanti; Chandra Rizky Noviandi
ASPIRASI : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat Vol. 3 No. 1 (2025): ASPIRASI : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat 
Publisher : Asosiasi Periset Bahasa Sastra Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/aspirasi.v3i1.1345

Abstract

This study aims to determine the application of Differentiated-Based Learning (DBL) learning model in improving students' creativity at IT Darussalam Elementary School. DBL is a learning approach that adapts the learning process to the needs, interests and ability levels of each student. This research uses a qualitative approach method with a combination of interviews and direct observation, interviews were conducted with the principal. The results showed that the application of Differentiated-Based Learning (DBL) model can improve students' creativity. Suggestions for the development of the Differentiated-Based Learning model can conduct teacher training, improve learning facilities and infrastructure. SD IT Darussalam is on the right track in developing a learning model that suits the needs of students. To face the challenges, strategic steps such as supervision, collaboration, innovation and the use of technology show the school's commitment to providing quality learning. With continuous support, learning models such as DBL or PBL can be applied more effectively, providing a positive impact on student development, both academically and non-academically
Co-Authors Abdul Azis Ade Rizki Nurmayadi Afifah Avilani Agus Supriatman Alpin Maulana Amiruddin Yahya Apriyana Triwulan Arvyndho Derra Aulia Fitri, Windy Binti Nuriyatul Muthi’ah Cepi Rahmat Hidayat Chandra Rizky Noviandi Dede Syahrul Anwar Devi Sri Agustin Dewi Gulyla Hari Dewi Nurhaliza Diana Santi Edi Suhardiana Efilia Meirita Elysa Eka Endang Lestari Ermira Nilansari Putri Esa Mahesa Evi Dewi Sri Mulyani Fauziah Tazkia Nur Fitratul Wahyuni Fitri Pujiyanti Fitria, Sarah Galih Pambayun Gya Tri Lestari I Made Suartika Ida Bagus Gede Manuaba Indah, Indah Kurniawati Jannah, Nurul Kamiel Roesman Bachtiar Lusi Indriani Maulida Nur Maya Rida Us Alifah Mestika, Diani Miftakhul Huda Muhammad Arif Muhammad Nur Zakia Mutiara Harkit Kamilatul Pu’adah N. Nurjanah Nabila Destiana Naufal Anasyi Nawwar Irfan Nevi Susianty Nggulam Zakia Nilama Wadnaty nisa, Annisa Nurul Maharani Nitya Nurul Fadilah Nofriyaldi, Ali Nola Fitri Noveri Rahmawati Novita Sari Novtafia Endri Nurbaiti Nurhasanah Nurjannah Nursyafni Nurul Fahida Oktavianus Sarno Prasiska Kholidya Prembayun Miji Lestari Rahmat Permana Reja Firman Saputra Rizky Nurul Melyani Rizky Subagya Rizva Alvina Rudi Hartono Shakynna Suandha Shinta Siti Sundari Siti Nabilah Hasna Sri Purnama Sari Srie Rezeki Nur Endah Sukarni Sunanih Teguh Ikhlas Ramadhan Teuku Mufizar Tsalitsatul Maulidah Ulfa Lailatul Vincent O. Imieje Wida Purwidianti Widhi Wicaksono Widya Nurul Aini Wilda Prasetya Winarti Wulandari, Tri Ayu YANTO Yulika Wati Zahra Aulia Nugraha