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Regulatory Challenges and Legal Safeguards in Online Lending: Insights from OJK Regulation No. 10 of 2022 Wijaya, Bagas Satria; B, Erlina
Al-Risalah Vol 25 No 1 (2025): MAY (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-risalah.v25i1.55001

Abstract

Online loan agreements are an innovation in digital financial services that offer ease of access and speed in transaction processes. However, this service also presents several challenges, such as the risk of personal data breaches and the widespread occurrence of illegal online lending. This study aims to examine online loan agreements based on the Financial Services Authority (OJK) Regulation Number 10 of 2022 concerning information technology-based joint funding services. The research employs a normative juridical approach through literature review and doctrinal analysis. The findings highlight the importance of digital financial literacy in helping the public understand their rights and obligations in online loan agreements. OJK regulations provide a legal framework for consumer protection, both preventively and repressively, including strict sanctions for violations. The synergy between public education and strong law enforcement is key to creating a safe, trustworthy, and sustainable online lending ecosystem.
Minimasi Kecacatan pada Produk Kemasan Kedelai Menggunakan Six Sigma, FMEA dan Seven Tools di PT. SATP Wijaya, Bagas Satria; Andesta, Deny; priyana, efta dhartikasari
Jurnal Media Teknik dan Sistem Industri Vol 5, No 2 (2021)
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35194/jmtsi.v5i2.1435

Abstract

PT. Sari Agro Tama Persada is a company engaged in the agribusiness industry. In the business world, quality is a determining factor in customer buying interest. Many new business actors, PT Sari Agro Tama Persada (SATP) must be careful in maintaining and even improving the quality of their products. To control the quality, the methods used are six sigma, FMEA and seven tools. The Six Sigma method is a procedure to identify the triggers of defects in products or processes by correcting cases and improving quality with Define, Measure, Analysis, Improve, Control (DMAIC), Failure Mode and Effect Analysis (FMEA) is used to determine the RPN value on the PT SATP problem of 245 in poor quality sacks. Based on the calculation of the Defecr Per Million Opportunity (DPMO) value that has been carried out, the highest value is 2284,595, while the highest defect in torn sacks is 75 sacks with a percentage of 39.89. For the sigma (α) value of 4.97. In the cause-and-effect diagram, there are suggestions for improvements that will minimize defects, namely: carrying out extra supervision of workers, conducting safety briefings/talks before work, checking machines, and prioritizing the availability of spare parts (sewing needles), performing routine calibrations on machines balance. PT. Sari Agro Tama Persada merupakan perusahaan yang bergerak di industri agribisnis. Dalam dunia bisnis, kualitas merupakan faktor penentu pada minat beli customer. Banyaknya pelaku usaha baru , PT Sari Agro Tama Persada (SATP)harus berhati-hati dalam menjaga bahkan meningkatkan kualitas produknya. Untuk mengendalikan kualitas mutu di gunakan metode yaitu six sigma, FMEA dan seven tools. Metode Six Sigma ialah prosedur untuk mengenali pemicu kecacatan pada produk ataupun proses dengan membetulkan kasus serta tingkatkan mutu dengan Define,  Measure, Analysis, Improve, Control (DMAIC), Failure Mode and Effect Analysis (FMEA) digunakan untuk mengetahui nilai RPN pada permasalahan PT SATP sebesar 245 pada kualitas karung yang buruk. Berdasarkan penghitungan nilai Defecr Per Million Opportunity (DPMO) yang telah dilakukan didapat nilai tertinggi 2284.595, sedangkan cacat tertinggi pada kemasan karung sobek sebesar 75 karung dengan persentase 39.89. Untuk nilai sigma(α) sebesar 4.97. Pada diagram sebab-akibat, terdapat usulan perbaikan akan meminimalisir defect  yaitu : melakukan pengawasan ekstra pada pekerja, di lakukan briefieng/safety talk pada saat sebelum bekerja, melakukan pengecekan mesin, serta mementingkan ketersediaan spare part (jarum jahit), melakukan kalibrasi rutin pada mesin timbangan