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All Journal Jurnal Penelitian dan Pengembangan Pendidikan Jurnal Asy-Syari'ah JURNAL CENDEKIA HUKUM Journal of RESIDU Unes Law Review Indonesian Journal of Religion and Society Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial International Journal of Management and Business (IJMB) Zaaken: Journal of Civil and Business Law Abditeknika - Jurnal Pengabdian Kepada Masyarakat Journal Of Human And Education (JAHE) Jurnal Ilmu Sosial dan Humaniora Journal of Education Technology Information Social Sciences and Health SEIKAT: Jurnal Ilmu Sosial, Politik dan Hukum Innovative: Journal Of Social Science Research Farmers: Journal of Community Services Causa: Jurnal Hukum dan Kewarganegaraan Journal of Sustainable Community Development VISA: Journal of Vision and Ideas Journal of Innovative and Creativity International Journal of Technology Vocational Education and Training (IJTVET) SEIKAT: Jurnal Ilmu Sosial, Politik dan Hukum Journal of Law, Society and Living Norms Altius: Jurnal Ilmu Olahraga dan Kesehatan
Ratih Agustin Wulandari
Universitas Dharmas Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Nursing Physics Public Health Social Sciences Other

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Assistance In Optimizing Fishery Processing Technology And Protection Of Intellectual Property Rights For Pokdakan Sakato Farm In Supporting The Creative Economy WULANDARI, RATIH AGUSTIN; Ermawati, Eka; Suryana, Febriyanno; Efendi, Raimon
Farmers: Journal of Community Services Vol 6, No 2 (2025): Farmers: Journal of Community Services
Publisher : Unpad Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/fjcs.v6i2.65748

Abstract

in rural areas. Pokdakan Sakato Farm, a catfish farming group in Dharmasraya Regency, faces various challenges, including price fluctuations, inconsistent fish sizes at harvest, limited processing technology, lack of product legality, and underutilized digital marketing. This community service program aims to enhance the added value of aquaculture products through the optimization of processing technology, digital marketing strategies, and legal assistance for product certification. The program was implemented through several stages, including observation, training, technology application, and evaluation. The outcomes indicate improved technical skills among members, product diversification such as smoked catfish and seasoned catfish, increased production efficiency, the development of digital marketing systems, and the initiation of product legalization processes. The program also fostered institutional awareness for professional and sustainable business management. Further actions include continuous mentoring, follow-up training, and strategic collaboration with government agencies to ensure sustainability and competitiveness of Pokdakan Sakato Farm's business
Collateral Binding Principles in Sharia Banking Financing Agreements Fauzi, Wetria; Agustin Wulandari, Ratih
Media Syari'ah Vol 25 No 1 (2023)
Publisher : Fakultas Syariah dan Hukum Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jms.v25i1.17987

Abstract

Sharia Banking is based on these sharia principles, all operational activities must not conflict with sharia principles, including financing. The Financing has an important role in the development of Islamic banking. This is to anticipate various risks in bank financing to apply the obligation to provide collateral by customers. The binding of collateral must be clearly regulated and based on sharia principles to achieve sharia compliance. The purpose of this research is to find out and analyze the arrangement of binding collateral in Islamic banking financing, as well as the fulfillment of sharia principles in binding collateral in Islamic banking financing. This is a normative research whose subject matter is the rule of law, legal doctrine to answer certain legal issues. This study concludes that kafalah and rahn are guarantees in the concept of Islamic law, regulated by the DSN-MUI Fatwa Number: 11/DSNMUI/IV/2000 concerning Kafalah. Fatwa Number: 25/DSN/MUI/III/2022 concerning Rahn, Fatwa Number: 92/ DSNMUI/IV/2014 concerning Funding accompanied by Rahn (Al-Tamwil Al-Mautsuq Bi Al-Rahn). However, it has not been set forth in laws and OJK regulations, so that the collateral binding arrangements for Islamic banking use conventional banking guarantee institutions, namely. Pledges, mortgages, fiduciaries, mortgages and warehouse receipts. Not all substances in conventional guarantee institutions can be applied to Islamic banking which prioritizes Islamic principles, namely the values of justice, expediency, balance and universality  and does not carry out business activities that contain elements of usury, maisir, gharar, unlawful and unjust, and most importantly overrides the tabbaru principle in Islam. Perbankan Syariah berdasarkan kepada prinsip syariah, seluruh kegiatan operasionalnya tidak boleh bertentangan dengan prinsip syariah termasuk pembiayaan. Pembiayaan mempunyai peranan yang penting dalam perkembangan Perbankan Syariah. Untuk mengantisipasi berbagai resiko dalam pembiayaan, bank menerapkan kewajiban memberikan agunan oleh nasabah. Pengikatan agunan tentunya harus diatur secara jelas dan berdasarkan prinsip syariah untuk mewujudkan syariah compliance. Tujuan penelitian untuk mengetahui dan menganalisis  pengaturan pengikatan agunan pada pembiayaan Perbankan Syariah, serta pemenuhan prinsip-prinsip syariah dalam pengikatan agunan pada pembiayaan Perbankan Syariah. Penelitian ini merupakan penelitian normatif yang pokok kajiannya adalah aturan hukum, doktrin hukum untuk menjawab isu hukum tertentu. Penelitian ini menyimpulkan kafalah dan rahn merupakan jaminan dalam konsep hukum Islam,  yang diatur pada Fatwa DSN-MUI Nomor : 11/DSNMUI/IV/2000 tentang Kafalah. Fatwa DSN-MUI Nomor : 25/DSN/MUI/III/2022 tentang Rahn, Fatwa DSN-MUI Nomor : 68/DSN-MUI/III/2008 tentang Rahn Tasjily diperbolehkan adanya jaminan barang., Fatwa DSN-MUI Nomor : 92/DSNMUI/IV/2014 tentang Pembiayaan yang disertai Rahn (Al-Tamwil Al-Mautsuq Bi Al-Rahn). Namun belum dituangkan dalam peraturan perundang-undangan ataupun peraturan Otoritas Jasa Keuangan, sehingga pengaturan pengikatan agunan pada Perbankan Syariah menggunakan lembaga jaminan perbankan konvensional yaitu ; gadai, hipotik, fidusia, hak tanggungan, dan resi gudang. Tidak semua subtansi pada lembaga jaminan konvensional dapat diberlakukan pada Perbankan Syariah yang mengutamakan pinsip-prinsip keislaman yaitu; nilai-nilai keadilan, kemanfaatan, keseimbangan, dan keuniversalan (rahmatan lil ‘alamin) serta tidak melakukan kegiatan usaha yang mengandung unsur riba, maisir, gharar, haram dan zalim, serta yang paling utama mengesampingkan prinsip tabbaru dalam islam.
Pendampingan dan Pelatihan Pembuatan Media Pembelajaran Augmented Reality bagi Guru Sekolah Luar Biasa Kabupaten Dharmasraya Untuk Meningkatkan Kompetensi Guru Ambiyar, Ambiyar; Efendi, Raimon; Waskito, Waskito; Indra, Indra; Yanti, Arifatul; Agustin Wulandari, Ratih
Journal Of Human And Education (JAHE) Vol. 4 No. 5 (2024): Journal of Human And Education (JAHE)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jh.v4i5.1521

Abstract

This Community Service activity focuses on mentoring and training in the creation of learning media using Augmented Reality (AR) technology for teachers of Special Schools (SLB) in Dharmasraya Regency. The aim of this activity is to enhance teachers' competencies in applying the latest educational technology to enrich their teaching methods. The method used is Service-Learning, which includes theoretical and practical training, socialization of AR technology, and continuous evaluation through surveys and feedback from participants. The results of the activity show a significant increase in teachers' understanding and ability to use AR in the learning process, as evidenced by improvements in pre-test and post-test scores as well as positive feedback from the teachers. The implications of this activity indicate that the implementation of AR in learning at SLB can enhance interactivity and effectiveness in teaching, as well as motivate students with special needs through more inclusive and engaging methods. Recommendations for the future include further development of the AR training curriculum and the provision of ongoing technical support for teachers at SLB.
Penyelesaian Wanprestasi Dalam Perjanjian Pinjam Meminjam Uang Di Bank Wulandari, Ratih Agustin; Alfito, Revi Yulia
Innovative: Journal Of Social Science Research Vol. 4 No. 2 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i2.9711

Abstract

Perjanjian dibuat para pihak sebagai dasar hubungan hukum tentang kesepakan yang telah disetujui. Pengingkaran suatu janji dalam hukum perdata dikenal dengan istilah Wanpresatasi. Penyelesaian wanprestasi dapat terjadi karena kelalaian dan kesengajaan dari nasabah, kebanyakan terjadi karena kesengajaan. Di mana nasabah mengetahui bahwa jatuh tempo hutangnya telah habis tetapi nasabah tidak mampu melunasi hutangnya tersebut. Sebagaimana yang disebutkan dalam Surat Bukti Kredit (SBK) apabila barang jaminan tidak ditebus sampai dengan tanggal jatuh tempo, maka pegadaian akan melelang barang tersebut.Tujuan penulis untuk mengaji akibat dari Wanprestasi serta bagaimana pemecahan masalah apabila terjadi pristiwa Wanprestasi. Studi ini mengunaka metode penelitian hukum empiris dengan adanya permasalahan dalam pelaksanaannya. Sumber data yang digunakan yaitu bahan hukum primer dan sekunder dengan penelitian pustaka. Teknik pengumpulan data dengan mencatat, mengutip, meringkas kemudian melakukan review terhadap dokumen baik berupa peraturan perundang-undangan,jurnal,arikel dan dokumen lainya. Terdapat beberapa pasal yang mengatur tentang perjanjian seperti pasal 1313,pasal 1320 serta pasal 1338 KUHPer “ sahnya suatu perjanjian ,serta perjanjian yang dituangkan kedalam akta tertulis menjadi undang-undang bagi pihak yang membuatnya”.
Pendampingan Implementasi Teknologi Pakan Alternatif Ikan Lele Terintegrasi Magot BSF pada Pokdakan Rangkiang Efendi, Raimon; Eliza, Eliza; Tri Yuniko, Fauzi; Agustin Wulandari, Ratih; Vani Meisy, Tri; Ramadhani, Wili; Dwi Armanda, Septia
Abditeknika Jurnal Pengabdian Masyarakat Vol. 4 No. 2 (2024): Oktober
Publisher : LPPM Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/abditeknika.v4i2.5603

Abstract

Pelatihan dan pendampingan implementasi teknologi pakan alternatif ikan lele terintegrasi magot BSF di Pokdakan Rangkiang Farm bertujuan untuk meningkatkan produktivitas dan efisiensi budidaya ikan lele dengan memanfaatkan sumber daya lokal. Latar belakang dari kegiatan ini adalah tingginya biaya pakan yang menjadi kendala utama bagi petani ikan lele, serta kebutuhan untuk meningkatkan hasil panen yang optimal. Metode yang digunakan dalam kegiatan ini meliputi tahap persiapan, penyuluhan, praktik pembuatan pakan alternatif, serta penerapan teknologi manajemen berbasis web dan IoT. Hasil dari pelatihan menunjukkan peningkatan signifikan 80% peserta melaporkan peningkatan pemahaman, sementara 86,67% peserta mengalami peningkatan dalam pemahaman mengenai efisiensi dan efektivitas penggunaan teknologi pakan alternatif. Selain itu, peserta juga menunjukkan peningkatan keterampilan teknis dan percaya diri dalam menggunakan teknologi baru. Implikasi dari kegiatan ini adalah adanya potensi peningkatan ekonomi bagi kelompok tani melalui penerapan teknologi yang lebih efisien, serta kontribusi positif terhadap keberlanjutan lingkungan. Dengan demikian, pelatihan ini tidak hanya bermanfaat untuk meningkatkan kapasitas teknis peserta, tetapi juga untuk mendorong inovasi dan keberlanjutan dalam sektor budidaya ikan.   Training and mentoring for the implementation of alternative feed technology for catfish integrated with BSF maggot at Pokdakan Rangkiang Farm aims to increase the productivity and efficiency of catfish farming by utilizing local resources. The background of this activity is the high feed costs that are a major constraint for catfish farmers, as well as the need to improve optimal harvest results. The methods used in this activity include preparatory stages, counseling, practical training in making alternative feed, and the application of web-based management technology and IoT. The results of the training show a significant increase in participants' understanding of alternative feed technology and its application in catfish farming. Additionally, participants also demonstrate improved technical skills and confidence in using new technologies. The implications of this activity include the potential for economic improvement for farmer groups through the implementation of more efficient technology, as well as a positive contribution to environmental sustainability. Thus, this training is beneficial not only for enhancing participants' technical capacity but also for promoting innovation and sustainability in the fish farming sector.
Penyelesaian Kredit Macet dengan Jaminan Hak Tanggungan pada PT Bank Perekonomian Rakyat Pulau Punjung Irawan, Fira; Dilova, Gisha; Wulandari, Ratih Agustin
VISA: Journal of Vision and Ideas Vol. 4 No. 3 (2024): VISA: Journal of Vision and Ideas
Publisher : IAI Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/visa.v4i3.5025

Abstract

Providing credit does not always run smoothly, there are some loans that are bad because debtors do not carry out their obligations properly. If bad credit is not handled properly, it will have a bad impact on PT BPR Pulau Punjung because it will disrupt cash flow in and out. This research aims to find out: (1) What is the process of resolving bad credit with mortgage guarantees carried out by BPR Pulau Punjung? (2) What are the obstacles and constraints faced by BPR Pulau Punjung in resolving bad credit with collateral? (3) What efforts have been made by BPR Pulau Punjung to resolve the problems or obstacles that occur in bad credit with mortgage guarantees? This research method is empirical and includes descriptive research. The data source was obtained from interviews. The data collection techniques were literature study and field study. The results of this research are (1) The resolution of bad credit at PT BPR Pulau Punjung was carried out very well by making various efforts to save credit and in accordance with banking procedures. (2) constraints and obstacles faced by PT. Punjung Island BPR in resolving bad credit with mortgage guarantees is difficult to meet customers, bad customer character, economic factors, the credit given is not fully used for business, the debtor is not open to creditors, the debtor is negligent in the agreement, the condition of the debtor's family is not conducive. . (3) Efforts made by PT. Punjung Island BPR in resolving the problems and obstacles that occur in bad credit with collateral rights is applying the 5C 7P and 3R principles, and BPR proposes various efforts for bad credit which can still be saved by finding out the factors causing the bad credit by re-surveying and considering returned a request to save the bad credit. In conclusion, before executing the PT guarantee. BPR has made various efforts to save bad credit so that the debtor's credibility does not decline.
KAJIAN PERKEMBANGAN REGULASI PENYELESAIAN SENGKETA PERBANKAN SYARIAH DI INDONESIA DALAM PERSPEKTIF POLITIK HUKUM Wulandari, Ratih Agustin; Firdaus, Firdaus
UNES Law Review Vol. 5 No. 4 (2023)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v5i4.582

Abstract

Pesatnya pertumbuhan perbankan syariah membuat munculnya potensi untuk terjadinya Pesatnya pertumbuhan perbankan syariah membuat munculnya potensi terjadinya sengketa perbankan syariah semakin tinggi, yang harapannya didukung regulasi untuk mengatasi setiap permasalahan yang muncul, agar tidak adanya kekosongan hukum dan terwujudnya kepastian hukum serta tidak bertentang dengan UUD 1945 sebagai dasar negara. Penelitian ini merupakan penelitian hukum normatif dimana produk hukum yang tediri dari peraturan perundang-undangan, norma, doktrin dan teori menjadi pokok kajiannnya. Penelitian ini bertujuan untuk menegtahui penyelesaian sengketa perbankan syariah menurut hukum islam serta Perkembangan Regulasi Penyelesaian Sengketa Perbankan Syariah Di Indonesia dalam perspektif Politik Hukum. Penelitian ini menyimpulkan Islam mengenal 4 cara penyelesaian sengketa yaitu : musyawarah, shulh (perdamaian), al-tahkim, dan alqadha.. Regulasi perbankan syariah semakin meningkat dan berkembang seiring dengan perkembangan perbankan syariah dibuktikan dengan berbagai peraturan perundang undangan yang diberlakukan. Konteks politik hukum dalam dimensi kebijakan pemberlakukan hukum (enactment policy) perbankan syariah dapat dijelaskan dalam dua faktor utama yaitu faktor internal dan faktor eksternal. Secara internal, hukum Islam diakui sebagai salah satu sumber dalam pembentukan sistem hukum nasional selain hukum adat (kebiasaan masyarakat) dan hukum Barat (Belanda) yang memiliki kedudukan yang sama dan seimbang.
Consumer Protection in Illegal Online Lending Practices: A Private Law Analysis and Enforcement Efforts Ratih Agustin Wulandari; Toni Nieta; Ahmad Taufik
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.2848

Abstract

This research critically examines consumer protection within the context of illegal online lending practices in Indonesia, analyzed through the lens of private law. The proliferation of unauthorized online lending platforms has exposed individuals to severe financial and psychological harm due to exorbitant interest rates, hidden fees, and coercive collection methods, highlighting a pressing need for robust legal safeguards. Employing a normative legal research methodology, this study primarily analyzes relevant statutes, legal doctrines, and case law pertaining to contract law, consumer protection, and torts. It identifies the inherent violations of private law principles by illegal lenders and scrutinizes the effectiveness of existing legal remedies and enforcement efforts by regulatory bodies and law enforcement. The findings reveal persistent challenges in applying current legal frameworks to the complex nature of illegal online lending, emphasizing the need for clearer legal interpretations, enhanced inter-agency coordination, and strengthened mechanisms for data protection and digital evidence. This study aims to contribute to legal scholarship and inform policy recommendations for more effective consumer protection against illicit online lending activities.
Perlindungan Hukum Bagi Mahasiswa Penggunaan Shopee Paylater Dewi Pramita; Ratih Agustin Wulandari; Gisha Dilova
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.3166

Abstract

Pesatnya perkembangan teknologi finansial (fintech) dan e-commerce di Indonesia telah melahirkan berbagai inovasi layanan keuangan, salah satunya adalah layanan beli sekarang, bayar nanti (BNPL) yang populer. Shopee PayLater, sebagai layanan BNPL terkemuka, menawarkan kemudahan bertransaksi dengan sistem "beli sekarang, bayar nanti" yang sangat diminati oleh berbagai kalangan, termasuk mahasiswa. Penelitian ini menganalisis perlindungan hukum bagi mahasiswa Universitas Dharmas Indonesia (UNDHARI) sebagai pengguna Shopee PayLater dan mengevaluasi tingkat kesadaran hukum mereka. Penelitian ini menggunakan metode hukum empiris dengan pendekatan deskriptif-analitis. Data dikumpulkan melalui survei dan wawancara dengan 50 mahasiswa UNDHARI, serta studi dokumen peraturan terkait. Hasilnya menunjukkan adanya kesenjangan yang signifikan antara tingginya penggunaan layanan dan rendahnya pemahaman hukum. Mayoritas mahasiswa belum sepenuhnya memahami risiko gagal bayar, sanksi, dan peraturan perundang-undangan, seperti Peraturan Otoritas Jasa Keuangan (POJK). Secara normatif, siswa dilindungi oleh Undang-Undang Perlindungan Konsumen dan POJK, tetapi implementasi perlindungan ini belum efektif karena minimnya literasi hukum dan keuangan di antara mereka. Studi ini menyimpulkan bahwa diperlukan upaya kolaboratif antara lembaga pendidikan, Otoritas Jasa Keuangan (OJK), dan penyedia layanan untuk meningkatkan edukasi dan literasi keuangan digital guna menciptakan perlindungan konsumen yang optimal bagi siswa.
Development of Interactive Video Tutorial Media in Vocational Learning for Children with Special Needs with Mild Mental Requirements: Pengembangan Media Video Tutorial Interaktif dalam Pembelajaran Vokasi Anak Berkebutuhan Khusus Tunagrahita Ringan ratih agustin wulandari
International Journal of Technology Vocational Education and Training Vol. 4 No. 2 (2023): IJTVET Vol 4 No 2 (2023)
Publisher : Perkumpulan Doktor Indonesia Maju (PDIM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46643/ijtvet.v4i2.125

Abstract

This research was motivated by the discovery of obstacles in developing low vocational competence for children with special needs for mild mental retardation, in making souvenirs so that there is a need for effective learning strategies and media to improve the skills of mild mentally retarded children so that they are proficient in making souvenirs, so that this can be a provision for children in the future. future and can be competent in the world of work. The purpose of this study was to describe interactive multimedia blueprints based on video tutorials in learning the vocational skills of children with mild special needs, and to determine the feasibility of interactive multimedia based on video tutorials. The type of research used is Research and Development, using the Assure development model. This research involved fifth semester students of Informatics Engineering, Faculty of Computer Science, Dharmas Indonesia University. Based on the results of data analysis obtained from the aspect of content feasibility, which was carried out by content experts, it showed that the product was in accordance with the Learning Plan. Tests on the aspects of appearance, graphics, program operation and grammar carried out by media experts obtained calculation results of being in good qualification. Tests on aspects of learning, curriculum and interface design carried out by learning design experts obtained calculation results of being in good qualifications.
Co-Authors Ahmad Taufik Ainul Badri Aji Tomi Rahmawan Alfito, Revi Yulia Ambiyar, Ambiyar Andang Purnomo, Wulan Bardisbah Bardisbah Darussalam Darussalam Dewi Pramita Dilova, Gisha Dwi Armanda, Septia Efendi, Raimon Eka Ermawati, Eka Eliza Eliza Eliza Eliza Erlina Purwaningsih Fauzi Tri Yuniko Firdaus Diezo Firdaus Firdaus Gisha Dilova Gunawan Ali, Gunawan Guntoro, Eko Joko Hilmy Nopra Mulya Indra Indra Irawan, Fira Iskandar Iskandar Izzati Afta Rizki Malma Purnama, Sherli Marhaeningsih, Marhaeningsih Muhammad Adisyah Putra Muhammad Ihsan Muhammad Ikhwan Muhammad Sukron Neng Vivie Nurfauziah Rukmini Oktaviani Oktaviani Olivia Julyanda Saputri Ramadhani, Wili Renta Yuni Yanti Rila Ananda Putri Rizki, Izzati Afta Sri Wahyuni Sudibyo, Heri Suryana, Febriyanno Toni Nieta Tri Yuniko, Fauzi Vani Meisy, Tri Verawati Verawati Wandira Wandira Waskito Waskito, Waskito Wegi Luansha Wetria Fauzi Widya Wahyu Utami Yanti, Arifatul Yuniko, Fauzi Tri