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All Journal SUPREMASI Jurnal Hukum Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of English Education
Lestari, Ade Putri
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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KEPASTIAN PERLINDUNGAN HUKUM PADA KLAUSULA BAKU DALAM PERJANJIAN PINJAMAN ONLINE DI INDONESIA Lestari, Ade Putri; Utomo, St. Laksanto
SUPREMASI Jurnal Hukum Vol 3, No 1 (2020)
Publisher : Universitas Sahid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36441/supremasi.v3i1.124

Abstract

Pesatnya kemajuan teknologi informasi menjadikan perkembangan yang dinamis dalam bidang ekonomi bisnis salah satunya adalah transaksi bisnis secara online. Adanya pinjam meminjam uang secara online atau financial technology mempermudah masyarakat memperoleh pinjaman dana secara cepat dan mudah dibandingkan lembaga pembiayaan lainnya. Layanan pinjam meminjam secara online didasari dengan perjanjian yang dibuat secara elektronik oleh salah satu pihak yang biasa disebut dengan perjanjian baku, tidak selamanya perjanjian baku menguntungkan para pihak perjanjian lebih banyak dibebankan kepada konsumen. Masalah dari penelitian ini: (1)Bagaimana kepastian perlindungan hukum bagi penerima pinjaman dalam transaksi pinjaman online? (2)Bagaimana akibat hukum dan penanganan pemerintah terhadap klausula baku dalam pinjaman online?. Metode penelitian yang digunakan adalah yuridis normatif yaitu dengan cara meneliti bahan hukum pustaka atau bahan hukum sekunder.
Utilizing the One Stays Rest Stray Strategy to Teach Reading Comprehension Sulaiman, Masagus; Larasati, Finza; Lestari, Ade Putri
Journal of English Education Vol. 2 No. 2 (2024): Journal of English Education
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/jee.v2i2.698

Abstract

This study aimed at finding out whether or not one stays rest stray technique was effective to teach recount text reading comprehension achievements to the Eighth Grade Students of SMP Muhammadiyah 6 Palembang. This study used pre-experimental method. The samples of this study were 38 persons of the eighth-grade students of SMP Muhammadiyah 6 Palembang. The data was obtained from pretest and posttest and calculated by using t-test. The result showed t-obtained was 4.608, higher than the critical value of t-table was 1.689 at the significant level of p<0.05 for two tailed and degree of freedom (df) is 35 which means that Ho (Null Hypothesis) was rejected and Ha (Alternative Hypothesis) was accepted. In conclusion, one stays rest stray technique was effective to teach recount text reading comprehension achievements to the Eighth Grade Students of SMP Muhammadiyah 6 Palembang
KEPASTIAN PERLINDUNGAN HUKUM PADA KLAUSULA BAKU DALAM PERJANJIAN PINJAMAN ONLINE DI INDONESIA Lestari, Ade Putri; Utomo, St. Laksanto
SUPREMASI : Jurnal Hukum Vol 2 No 2 (2020): SUPREMASI : Jurnal Hukum 2020
Publisher : Universitas Sahid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36441/supremasi.v3i1.124

Abstract

Pesatnya kemajuan teknologi informasi menjadikan perkembangan yang dinamis dalam bidang ekonomi bisnis salah satunya adalah transaksi bisnis secara online. Adanya pinjam meminjam uang secara online atau financial technology mempermudah masyarakat memperoleh pinjaman dana secara cepat dan mudah dibandingkan lembaga pembiayaan lainnya. Layanan pinjam meminjam secara online didasari dengan perjanjian yang dibuat secara elektronik oleh salah satu pihak yang biasa disebut dengan perjanjian baku, tidak selamanya perjanjian baku menguntungkan para pihak perjanjian lebih banyak dibebankan kepada konsumen. Masalah dari penelitian ini: (1)Bagaimana kepastian perlindungan hukum bagi penerima pinjaman dalam transaksi pinjaman online? (2)Bagaimana akibat hukum dan penanganan pemerintah terhadap klausula baku dalam pinjaman online?. Metode penelitian yang digunakan adalah yuridis normatif yaitu dengan cara meneliti bahan hukum pustaka atau bahan hukum sekunder.
Analisis Terhadap Disparitas Antar Wilayah dan Pertumbuhan Ekonomi di Sulawesi Selatan Purnama, Hukma Ratu; Lamo, Andika Pramukti; Lestari, Ade Putri; Majid, Putri Fidyah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i3.6455

Abstract

This study examines economic growth and regional disparities in South Sulawesi Province during the 2019–2023 period, focusing on the development of the Human Development Index (HDI). The urgency of this research lies in understanding the factors influencing HDI growth as a primary indicator of societal welfare and quality of life, particularly in efforts to reduce regional disparities. This study employs a descriptive quantitative method, analyzing secondary data obtained from official publications such as the Central Bureau of Statistics and related agencies, to assess HDI growth trends and compare them with the national average. The findings reveal that South Sulawesi’s HDI has steadily increased from 73.08 in 2020 to 74.60 in 2023. Generally, the province’s HDI achievement is slightly above the national average, which rose from 72.81 in 2020 to 74.39 in 2023. Since 2017, South Sulawesi's human development status has been classified as "high," ranging between 70 and 80. Over the past four years, HDI growth has been within the 0–1 percent range, with significant acceleration in the last two years. In 2021, HDI grew by 0.41 percent, followed by faster growth of 0.79 percent in 2022, and reaching 0.87 percent in 2023, with an increase of 0.64 points compared to the previous year.
Co-Authors Finza Larasati Lamo, Andika Pramukti Majid, Putri Fidyah Masagus Sulaiman Purnama, Hukma Ratu St. Laksanto Utomo