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All Journal Lex Jurnalica (Ilmu Hukum) SOSCIED BERNAS: Jurnal Pengabdian Kepada Masyarakat Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Journal of Law, Poliitic and Humanities IJLRSA Media of Law and Sharia
Indayatun, Ratna
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ANALISIS KINERJA KEUANGAN PADA PT BANK SYARIAH INDONESIA Umiyati, Umiyati; Muthahari, Alif; Indayatun, Ratna
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 4 No. 3 (2024): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v4i3.113

Abstract

The analysis of financial performance plays a critical role in determining the success and sustainability of a financial institution, including Bank Syariah Indonesia. As a financial institution operating based on Islamic principles, Bank Syariah Indonesia faces unique challenges, both in terms of compliance with Islamic law and competition with conventional banks. The objective of this study is to examine the financial performance of PT Bank Syariah Indonesia (BSI) for the 2021–2023 period. The research employs a quantitative descriptive method. All indicators show positive trends, with an increase in ROA (Return on Assets) and a decrease in BOPO (Operational Costs to Operational Revenue), reflecting good efficiency and profitability. ROA and BOPO fall within the "Very Healthy" category, while ROE (Return on Equity) is in the "Healthy" category, indicating potential for more strategic equity management. BSI's financial performance is classified as healthy to very healthy. The consistently increasing FDR (Financing to Deposit Ratio) indicates aggressiveness in financing distribution. In 2021, FDR was in the "Very Healthy" category but declined to "Healthy" in 2022 and 2023. Nevertheless, FDR approaches the upper optimal limit (around 85%), necessitating caution to avoid liquidity pressures. BSI's CAR (Capital Adequacy Ratio) has consistently remained in the "Very Healthy" category for three consecutive years, far above Bank Indonesia's minimum threshold of 8%. A stable CAR ratio exceeding 20% reflects BSI's ability to manage risks and growth efficiently, providing a strong foundation for expanding financing or assets without compromising capital stability
Meningkatkan Kewirausahaan Masyarakat Melalui Pelatihan Keterampilan Pembuatan Baju Dengan Pewarnaan Teknik Tie Dye di Desa Mekarsari Kecamatan Rajeg Kabupaten Tangerang Indayatun, Ratna; Dewi, Winartania Lusiana; Vionita, Fanny Lesta
BERNAS: Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 4 (2024)
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/jb.v5i4.10486

Abstract

Pelatihan  eksplorasi  membuat  produk  tie  dye  untuk meningkatkan kewirausahaan Masyarakat merupakan sasaran yang tepat bagi warga sekitar desa mekarsari kecamatan rajeg kabupaten Tangerang. Produk  tiedye berupa  T-Shrit dengan corak beragam yaitu jumputan, spiral, stripe/accordion dan ombre  adalah produk eskplorasi dari kegiatan pengabdian Masyarakat tim kuliah kerja kemasyarakatan ( KKK ) – Universitas Islam syekh yusuf ( UNIS ) tangerang. Metode serta tahapan kegiatan yang dilakukan adalah melakukan pemaparan materi kemudian dilanjutkan metode dengan demo langsung praktek pembuatan T-shrit tiedye. Hasil dari kegiatan ibu- ibu PKK Kelurahan rajeg kabupaten Tangerang termotivasi, antusias, semangat, dari tidak paham menjadi paham dengan keterampilan dan pengetahuan Teknik  pewarnaan  motif  kain  pelangi  tiedye. Dan  akan  menyebarkan  keterampilan  pengetehuan  ini kepada warga mekarsari, kecamatan rajeg kabupaten Tangerang banten dari kelompok kecil bisa menjadi lebih besar dengan membuat unit usaha dengan menambahkan variasi produk serta dapat mensejahterakan Masyarakat khususnya desa mekarsari
DAMPAK TEKNOLOGI TERHADAP HUKUM KONTRAK: TANTANGAN DAN PELUANG Indayatun, Ratna; Gufroni, Gufroni; Rohaya, Nizla; Yusuf, Burhanudin; Sinulingga, Dini Bahraini
Lex Jurnalica Vol 21, No 3 (2024): LEX JURNALICA
Publisher : Lex Jurnalica

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47007/lj.v21i3.8677

Abstract

Studi ini mengeksplorasi dampak transformatif teknologi pada hukum kontrak, dengan fokus pada tantangan dan peluang yang disajikan oleh inovasi seperti kecerdasan buatan (AI), kontrak pintar, dan teknologi blockchain. Ketika lanskap hukum berkembang di era digital, asumsi tradisional tentang pembentukan kontrak, pelaksanaan, dan penegakan semakin ditantang. Makalah ini menyoroti bagaimana AI dapat meningkatkan efisiensi penyusunan kontrak dengan mengotomatiskan tugas rutin, menganalisis risiko, dan memfasilitasi penyelesaian sengketa, sehingga memungkinkan profesional hukum untuk berkonsentrasi pada masalah yang lebih kompleks. Selain itu, penelitian ini membahas potensi kontrak pintar untuk merampingkan pelaksanaan kontrak melalui proses otomatis, mengurangi kesalahan manusia dan meningkatkan transparansi. Namun, ini juga mengatasi tantangan yang signifikan, termasuk kebutuhan sistem hukum untuk beradaptasi dengan teknologi baru, memastikan keamanan dan privasi, dan menetapkan peraturan yang jelas untuk mengatur penggunaan AI dalam konteks hukum. Studi ini menyimpulkan bahwa teknologi menawarkan manfaat besar untuk meningkatkan hukum kontrak, itu memerlukan penelitian dan pengembangan berkelanjutan untuk mengatasi implikasi etika dan hukum yang muncul. Dengan merangkul kemajuan teknologi ini, sistem hukum dapat menjadi lebih efisien, responsif, dan inklusif, pada akhirnya meningkatkan praktik hukum kontrak dalam lingkungan global.
Legal Protection of Online-Based Transportation Workers in the Era of Digitalization Indayatun, Ratna
Journal of Law, Politic and Humanities Vol. 5 No. 4 (2025): (JLPH) Journal of Law, Politic and Humanities
Publisher : Dinasti Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jlph.v5i4.1664

Abstract

The objective of this research is to analyze the employment relationship between online transportation workers and their employers, examine why online transportation workers do not receive benefits from the Social Security Administration for Employment (BPJS Ketenagakerjaan) program, and assess the government's role in providing legal protection for online transportation workers. The research employs normative and sociological legal methods, utilizing secondary legal materials such as books, questionnaires, and interviews. Research Findings: The employment relationship between online transportation workers and their employers constitutes a permanent employment relationship (PKWTT) since it involves elements of work and wages. Online transportation workers receive legal protection from the Social Security Administration; however, this protection does not include the Old Age Security program. The government plays a role in providing legal protection to online transportation workers, as stipulated in Article 16, Paragraph (3) of Minister of Transportation Regulation No. PM 12 of 2019. However, in practice, online transportation workers have not fully received the social security benefits provided by the Social Security Administration for Employment (BPJS Ketenagakerjaan). Therefore, the government needs to provide guidance to employers and enforce laws and regulations related to the Old Age Security program in alignment with the digitalization era.
Evaluating Surveillance Measures at Airports in Responding to Airline Negligence and Lost Baggage Lesmana, Sri Jaya; Lesmana, Reyhan Alifrinaldy; Indayatun, Ratna; Mofea, Sukhebi
Media of Law and Sharia Vol. 6 No. 3: June 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mls.v6i3.368

Abstract

Airport oversight in ensuring legal protection for passengers experiencing baggage loss due to airline negligence is a critical aspect of the aviation industry. This study aims to assess the effectiveness of supervision conducted by the Airport Authority Office in safeguarding passengers' rights in cases of baggage loss resulting from airline negligence. The research employs a normative-empirical legal method, utilizing both legal and conceptual approaches. The findings indicate that the oversight carried out by the First-Class Airport Authority (Otban) Region I at Soekarno-Hatta International Airport is generally effective and provides protection for passenger rights. However, the overall effectiveness of this supervision is highly dependent on consistent implementation and continuous improvement in passenger service quality. Ideal and effective airport oversight should encompass clear regulations, routine inspections, continuous monitoring, firm corrective measures, collaboration with relevant institutions, fair dispute resolution mechanisms, adequate training for officers, as well as transparency and accountability
ANALISIS EFEKTIVITAS ELECTRONIC TRAFFIC LAW ENFORCEMENT (ETLE) DALAM SISTEM PENEGAKAN HUKUM DI KABUPATEN TANGERANG Tiessa, Amelia Noviana; Lesmana, Sri Jaya; Indayatun, Ratna
SOSCIED Vol 8 No 1 (2025): SOSCIED - Juli 2025
Publisher : LPPM Politeknik Saint Paul Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32531/jsoscied.v8i1.829

Abstract

The problem of undiscipline and disobedience in driving traffic is a problem that is still faced by law enforcement officials in Indonesia. The birth of Electronic Traffic Law Enforcement (ETLE) is a complementary effort in overcoming the problem of traffic order violations. So that its position does not eliminate conventional methods in direct traffic control. This study aims to analyze the effectiveness of ETLE in the law enforcement system in Tangerang Regency. The method used is empirical legal research using primary data and secondary data. The results show that although the ETLE system can improve efficiency and accuracy in traffic law enforcement, its effectiveness is still constrained by several factors. The limited number of monitoring points, lack of socialization to the public, and low legal awareness of motorists are the main obstacles. Although the number of traffic violations netted through ETLE is quite significant, there is still a need for infrastructure improvement, better socialization, and an approach to form a stronger legal culture among the community so that traffic law enforcement can run optimally and sustainably.
Juridical Analysis of the Difference in Judges' Considerations in First-Instance Decisions and Cassation Against Persecution Resulting in Death Based on the Principle of Justice: (Study of Decision Number 1466 K/Pid/2024 jo. Decision Number 454/Pid.B/2024/PN. Sby) Lesmana, Sri Jaya; Hendriansyah, Gilang; Indayatun, Ratna
The International Journal of Law Review and State Administration Vol. 3 No. 4 (2025): July-August : The International Journal of Law Review and State Administration
Publisher : PDPI (Perkumpulan Dosen Peneliti Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The significant differences in judges' decisions reflect a serious challenge to the principle of equality before the law and public trust in the justice system. In general, this difference occurs due to a variety of factors. This study examines the difference in judges' considerations in “Decision Number 454/Pid.B/2024/PN Surabaya” (first level) and “Cassation Decision Number 1466/K/Pid/2024 Supreme Court” in cases of persecution resulting in death. The focus of the research is the trajectory of the shift from a free verdict to a guilty verdict, by assessing the application of the principles of justice and legal certainty (Radbruch theory). The research method is normative juridical, based on document studies. The results of the study showed that at the first level, the panel of judges focused on CCTV footage and traffic expert testimony, using the principle of in dubio pro reo, but ignoring key evidence such as visum and vehicle tracks. As a result, the verdict tends to only meet procedural certainty without substantive justice. On the other hand, the Supreme Court in cassation developed a comprehensive analysis of the assessment of evidence which included medical, visual, forensic, and chronological evidence, so that the element of conditional intentionality and a complete causal relationship were found. Thus, cassation decisions display a harmonized approach between legal certainty, utility, and substantive justice, in accordance with the Radbruch principle that prioritizes justice when formal law causes injustice. The researcher suggests that judicial guidelines be made in the assessment of evidence and intensive training in criminal law theory, so that judges' considerations at the initial level are more consistent, transparent, and able to reach the dimension of substantive justice, while increasing the legitimacy of criminal justice in Indonesia.
Co-Authors Dewi, Winartania Lusiana Gufroni, Gufroni Hendriansyah, Gilang Lesmana, Reyhan Alifrinaldy Mofea, Sukhebi Muthahari, Alif Rohaya, Nizla Sinulingga, Dini Bahraini Sri Jaya Lesmana Tiessa, Amelia Noviana Umiyati Umiyati, Umiyati Vionita, Fanny Lesta Yusuf, Burhanudin