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All Journal Public Policy : Jurnal Aplikasi Kebijakan Publik dan Bisnis Cita Ekonomika: Jurnal Ilmu Ekonomi Journal of Business Application Hipotesa KAMBOTI : Jurnal Sosial dan Humaniora
Niapele, Sarifa
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Religion Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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Journal : Journal of Business Application

 1 
Kredit Macet dan Debt Collector; Legalitas dan Dampaknya dalam Mengelola Risiko Kredit Macet Perbankan Rahajaan, Jakobus Anakletus; Niapele, Sarifa
Journal of Business Application Vol. 3 No. 1 (2024): Journal of Business Application
Publisher : Program Studi Administrasi Niaga STIA Said Perintah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55098/jba.v3.i1.p44-56

Abstract

This research examines the normative legal validity of the debt collector profession through a normative legal approach using qualitative methods and analyzing primary, secondary, and tertiary legal materials. The study finds that non-performing loans (NPLs) pose a significant threat to banking stability, as increasing levels of bad debt can hinder banks' ability to achieve optimal profits. Banks often employ debt collectors to manage time and cost-effectively to address this. Debt collectors are legally recognized under Indonesian law, including the Civil Code, SEBI Number 14/17/DASP/2012, and the 2014 Bank Indonesia Regulation issued by OJK. Their role is supported by legal principles such as freedom of contract, consensualism, and pacta sunt servanda. Despite common misconceptions, debt collectors are legitimate professionals crucial for maintaining financial stability. Debtors should cooperate with debt collectors to resolve their debts rather than viewing them negatively.
Peningkatan Daya Saing Usaha Berdasarkan Implementasi Strategi Kemitraan Usaha Makatita, Muhajir; Niapele, Sarifa; Balik, Dessy
Journal of Business Application Vol. 1 No. 1 (2022): Journal of Business Application
Publisher : Program Studi Administrasi Niaga STIA Said Perintah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55098/jba.v1.i1.p1-8

Abstract

This study aims to examine and analyze the effect of business partnership strategies on business competitiveness. This type of research is explanatory research using a quantitative approach. The population in this study is the total of 80 groups of seaweed cultivation business actors in Southeast Maluku Regency who have formed partnerships. Sampling using purposive sampling technique with a final sample of 80 respondents. Methods of data analysis using quantitative analysis. The analytical model used is simple regression. The results of this study prove that the business partnership strategy has a positive impact on increasing business competitiveness. The results of this study also prove that the business partnership strategy has a contribution (determination) of 60% towards increasing the competitiveness of the seaweed cultivation business in Southeast Maluku Regency.
Implikasi Reposisi Manajerial BUMN Terhadap Pertanggungjawaban Tindak Pidana Korupsi Rahajaan, Jakobus Anakletus; Niapele, Sarifa
Journal of Business Application Vol. 4 No. 1 (2025): Journal of Business Application
Publisher : Program Studi Administrasi Niaga STIA Said Perintah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55098/jba.v4.i1.p1-12

Abstract

This study analyzes the repositioning of State-Owned Enterprise (SOE) management following the enactment of Law No. 1 of 2025 on SOEs, and its implications for criminal liability in corruption cases. Employing a normative juridical method with statutory and conceptual approaches, this research offers a prescriptive perspective in response to public concerns regarding the exclusion of SOE executives from the category of state administrators. The findings reveal that such concerns are unfounded, as the new provisions in fact strengthen the immunity of SOE management from political interference by state officials, which is often a source of corruption. Although Law No. 1 of 2025 does not explicitly regulate the nexus between the management of state-derived finances and criminal liability for corruption, SOEs as legal entities (rechtpersoon) remain subject to criminal prosecution when implicated in acts of corruption. Corporate criminal liability in corruption has been clearly stipulated in existing anti-corruption legislation. This study contributes new insights to the discourse on SOE governance law, demonstrating that the new regulation serves not as a weakening, but rather as a reinforcement of accountability and the independence of SOE management.
Co-Authors Balik, Dessy Laitupa, Abdul Azis Makatita, Muhajir Nurwijayanti Rahajaan, Jacobus Anakletus Rahajaan, Jakobus Anakletus Siahainenia, Silfiena