Claim Missing Document
Check
Articles

Found 40 Documents
Search

PROSES PENYELESAIAN SENGKETA KONTRAK KREDIT PEMILIKAN RUMAH (KPR) ANTARA USER DENGAN PT. BANK TABUNGAN NEGARA (PERSERO) TBK Yuniarsih, Isma; Hanafie, Nurharsya Khaer; Agus, Andi Aco
SUPREMASI: Jurnal Pemikiran, Penelitian Ilmu-ilmu Sosial, Hukum dan Pengajarannya Volume 20, Nomor 1 (April 2025)
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/supremasi.v20i1.70317

Abstract

Penelitian ini bertujuan untuk mengetahui 1) Faktor-faktor yang menyebabkan terjadinya krisis Kredit Kemilikan Rumah (KPR) pada PT. Bank Tabungan Negara (Persero) Tbk. Cabang Makassar. 2) Proses yang dilakukan oleh pihak bank untuk menyelesaikan penyelesaian kontrak Kredit Pemilikan Rumah (KPR). Untuk mencapai tujuan tersebut maka peneliti menggunakan jenis penelitian empiris dengan pendekatan peraturan-undangan dan kasus. Teknik pengumpulan data pada penelitian ini adalah observasi, studi pustaka, wawancara dan dokumentasi. Analisis data yang digunakan peneliti yaitu, reduksi data, penyajian data, dan verifikasi data.Hasil penelitian menunjukkan bahwa: 1) Faktor penyebab terjadinya kegagalan Kredit Kemilikan Rumah (KPR) pada PT. Bank Tabungan Negara (Persero) Tbk. Cabang Makassar terbagi atas dua faktor yaitu faktor internal meliputi: penurunan kemampuan finansial  pengguna , kurangnya pemahaman  pengguna  terhadap alur kontrak dan karakter  pengguna  yang tidak berniat membayar. Sedangkan faktor eksternal meliputi: perumahan yang belum terselesaikan oleh  pengembang  dan  pengguna  tertimpa musibah/bencana alam. 2) Proses yang dilakukan oleh pihak bank untuk  menyelesaikan penyelesaian kontrak KPR dilakukan melalui dua jalur yaitu jalur non litigasi dan jalur litigasi.
PERLINDUNGAN HUKUM TERHADAP ISTRI YANG DINIKAHI SECARA SIRI (Studi pada Kecamatan Minasatene, Kabupaten Pangkep) Ramadani, Citra; Mustaring, Mustaring; Hanafie, Nurharsya Khaer
Ash-Shahabah : Jurnal Pendidikan dan Studi Islam Vol. 11 No. 2 (2025): Ash-Shahabah: Jurnal Pendidikan dan Studi Islam
Publisher : Fakultas Agama Islam Universitas Islam Makassar (UIM)

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

Abstract

Penelitian ini membahas tentang bentuk dan efektivitas perlindungan hukum terhadap istri yang dinikahi secara siri, dengan fokus studi kasus di Kecamatan Minasatene, Kabupaten Pangkep. Pernikahan siri adalah pernikahan yang dilakukan secara sah menurut agama tetapi tidak dicatatkan secara resmi di Kantor Urusan Agama (KUA), sehingga tidak memiliki kekuatan hukum administratif. Kondisi ini menyebabkan istri dalam pernikahan siri berada dalam posisi yang rentan, terutama dalam memperoleh hak-haknya seperti nafkah, warisan, pengakuan anak, dan perlindungan dari kekerasan rumah tangga. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan metode studi kasus. Data dikumpulkan melalui wawancara mendalam dengan Kepala KUA, Staf KUA, Tokoh agama, dan Istri yang berada dalam pernikahan siri. Hasil penelitian menunjukkan bahwa perlindungan hukum terhadap istri siri masih sangat terbatas. Kendala utama berasal dari tidak adanya akta nikah, kurangnya pengetahuan hukum masyarakat, serta belum maksimalnya peran lembaga formal dan tokoh agama dalam mendorong pencatatan nikah dan sosialisasi terkait isbat nikah. Meskipun terdapat upaya-upaya seperti pengajuan sidang isbat nikah, proses tersebut belum sepenuhnya dimanfaatkan oleh masyarakat. Oleh karena itu, diperlukan sosialisasi hukum yang massif terkait pentingnya pencatatan pernikahan dan terkait isbat nikah, sosialisasi pemberdayaan perempuan agar sebagai istri dapat lebih memahami hak-haknya, serta kolaborasi antara pemerintah, tokoh agama, dan lembaga hukum untuk memberikan perlindungan yang lebih menyeluruh.
DESIGNING ADDIE MODEL-BASED SMART READING COMPREHENSION FOR ENGLISH READING CLASS Ismail, Ishafiuddin; Amin, Fatimah Hidayahni; Patak, Andi Anto; Hanafie, Nurharsya Khaer; Luhriyani, Seny
JTechLP: Journal of Technology in Language Pedagogy Vol 3, No 2, July (2024): JTechLP: Journal of Technology in Language Pedagogy
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jtechlp.v3i4, Dec.68370

Abstract

This study is quantitative research that aims to know the development of ADDIE Model-based Smart Reading Comprehension Application for reading class at SMPIT Nurul Fikri Makassar and the validity, effectivity, and practicality criteria. The population was students of the ninth grade in SMPIT Nurul Fikri Makassar which consisted of four classes with a total population of 80 students. the researcher used a random sampling technique and the researcher chose one class from the four classes in Grade 9th. The sample in the class consists of 20 students. The development of a web-based smart reading application goes through a stage, namely prototype evaluation. At this evaluation stage, it is carried out to test whether the system being developed meets the valid, practical, and effective criteria. From two expert validators, an average of 3.68 was obtained with a percentage of 89.90%. As for the content aspect, an average of 4 is obtained with a percentage of 100%. As for the average results of the two expert validators above, if converted into a validity category table, a very valid category is obtained. Testing the practicality of the web-based smart reading application obtained a result of 82.83%. If converted into a table of percentage ranges and product criteria for practicality analysis, we get a practical category. The results of effectiveness obtained were 88.75 % with the highly effective criteria. Students’ perceptions of convenience, motivation, attractiveness, and usefulness toward the prototype of the reading comprehension application developed in this research showed a positive response.
Seventeen Group Music and Indomilk: A Critical Discourse Analysis of Language and Power in Celebrity Endorsement Fortuna, Nurkhaira Ariendita; Athyah, Andi Ummy; Amin, Fatimah Hidayahni; Sunusi, Seny Luhriyani; Hanafie, Nurharsya Khaer
Journal for Teaching and Education for Scholars Vol 2 No 1 (2025): JOTES: May
Publisher : Yayasan Cendekiawan Indonesia Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59065/jotes.v2i1.215

Abstract

This study analyzes language and power relations in celebrity endorsement through the lens of SEVENTEEN’s advertisement for Indomilk. Although celebrity endorsements are known to influence purchasing decisions, there is scant focus on the discourse celebrities strategically employ, especially in the context of K-pop. Fairclough’s three-dimensional Critical Discourse Analysis (CDA) was used in this research to capture how SEVENTEEN’s language choices in their endorsement critically constrain or reproduce the power dynamics relations of the brand, the celebrities, and the consumers. Headed from June 2024 to March 2025, the study collected television and social media ads targeting specific audiences, alongside numerous other pieces of marketed dialogue and visuals. The data were examined at multi-levels: textual, discursive, and social practice. The results indicate that the primary narrative of the ads was to promote Indomilk not simply as a drink but as a vessel of joy, vigor, and global citizenship visually and textually via relatable marketing image and emotionally resonant vernacular. Culturally, the endorsement is framed in Korean with outlandish and groundless suggestions to defy any local inklings of identity which simultaneously aids the brand’s appeal among young local audiences amplifying brand loyalty. The research also notes the portrayals change when it comes to male idols as they perform emotive expressiveness and soft masculinity, which contributes to changing cultural traditions. The results of this study highlight how celebrity discourse operates as a site of socio-cultural and business appropriation, affixing brand power and molding identity of clientele. 
Peningkatan Hasil Belajar Siswa Mata Pelajaran IPS dengan Model Problem Base Learning pada Siswa Kelas VII B Di SMP Muhammadiyah 8 Jakarta Faridi, Ahmad; Hanafie, Nurharsya Khaer; Wahyuningsih, Wahyuningsih
JURNAL PEMIKIRAN DAN PENGEMBANGAN PEMBELAJARAN Vol. 4 No. 2 (2022): JURNAL PEMIKIRAN DAN PENGEMBANGAN PEMBELAJARAN (JP-3)
Publisher : RAYHAN INTERMEDIA

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

Abstract

Penelitian ini dilakukan untuk mengetahui seberapa besar peningkatan hasil belajar siswa mata pelajaran IPS materi permintaan dan penawaran di kelas 7B SMP Muhammadiyah 8 Jakarta Tahun 2021. Penelitian ini dilakukan karena kurangnya hasil belajar siswa untuk mata pelajaran IPS. Penyebabnya adalah metode pengajaran yang masih berpusat kepada guru. Adapun jenis penelitian ini merupakan penelitian Tindakan kelas. Kurangnya hasil belajar siswa ditunjukkan oleh data nilai siswa dimana 16 dari 34 siswa atau sebesar 47,05% tidak mencapai KKM mata pelajaran IPS. Subyek penelitian disini ialah seluruh siswa kelas 7B di SMP Muhammadiyah 8 Jakarta tahun 2021. Penelitian dilaksanakan dengan dua siklus. Setiap siklus memiliki tahapan yang terdiri dari perencanaan, pelaksanaan, pengamatan, dan refleksi. Menggunakan metode pengumpulan dengan tes, observasi, dan dokumentasi. Selanjutnya dianalisis dengan deskriptif kualitatif. Hasil penelitian ini pada pra siklus siswa yang tuntas hanya 18 siswa dari 34 siswa atau 52,95%, ketuntasan belajar pada siklus I adalah 21 siswa yang tuntas (61,7%). Selanjutnya siklus II adalah 28 siswa yang tuntas (82,3%). Kesimpulannya adalah dengan metode eksperimen dapat meningkatkan hasil belajar materi Permintaan dan Penawaran pada siswa kelas VII SMP Muhammadiyah 8 Jakarta
PENGARUH PROJEK PENGUATAN PROFIL PELAJAR PANCASILA TERHADAP KARAKTER DISIPLIN SISWA KELAS X PADA MATA PELAJARAN PPKN DI SMAN 14 SINJAI Nurlaelah, Nurlaelah; Kasmawati, Andi; Hanafie, Nurharsya Khaer
Jurnal Tomalebbi Volume 11, Nomor 3 (September 2024)
Publisher : Jurusan Pendidikan Pancasila dan Kewarganegaraan (PPKn)

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

Abstract

The research approach used in this research is a quantitative approach. The population and sample in this research are all class X students at SMAN 14 Sinjai with a total of 74 students. The data collection techniques used in this research were interviews, questionnaires and documentation. The data analysis technique uses basic assumption tests, namely the normality test and linearity test, also using simple linear regression analysis tests, the t test and the coefficient of determination. The implementation of the project to strengthen the profile of Pancasila students is carried out systematically and fulfills the dimensions of the profile of Pancasila students, namely faith and devotion to God Almighty, noble character, global diversity, mutual cooperation, independence, critical reasoning and creativity. The research results stated that the implementation of the program was at a percentage of 36.5% which was included in the good category. Analysis of the average respondent questionnaire for variable P5 is in the agree category. The discipline character of class X students at SMAN 14 Sinjai is in the good category with a percentage of 41.9%. This can be proven through interviews with teachers. Apart from that, this was also confirmed by the results of the questionnaire of respondents who chose to agree. Several things that are indicators of assessment in this variable are student personality, behavior and attitudes. There is a significant influence of 24.6% regarding the influence of the project to strengthen the profile of Pancasila students on the discipline character of class X students in Civics subjects at SMAN 14 Sinjai. 75.4% was influenced by other factors not studied. It can be proven by the results of a linear regression test with the formula Y=14.229+0.570X. The Rsquare obtained was 0.246 at a significance level of 5%. Using the t test, a significance figure of 0.001 <0.05 was obtained. So on this basis, H0 is rejected. H1 is accepted, meaning that there is an influence of the project to strengthen the profile of Pancasila students on the discipline character of class X students in Civics subjects at SMAN 14 Sinjai.
Exploring the Transactional Communication Model in Managing Work Responsibilities Amin, Fatimah Hidayahni; Mohamad, Andi Riswan; Sudding, Muhammad Fahri Jaya; Susanto, Ashabul Kahfi; Hanafie, Nurharsya Khaer
Celebes Journal of Language Studies Vol. 5, No. 2 December 2025
Publisher : Har Press Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51629/cjls.v5i2.267

Abstract

This study aims to identify and determine the transactional communication model using Shockley-Zalabak’s Organizational Communication Process Model used by the employees in delivering transactional utterances in workplace management. The research method was qualitative with a descriptive design. The subjects of this study are employees in the academic and broadcasting workplaces. Data on the transactional communication model were collected through transcripts of observations accompanied by audio recordings. The findings of the study reveal that communication within organizational settings is fundamentally transactional, interactive, and context-dependent. Across all extracts, communication emerges not as a simple transmission of information but as a co-created process shaped by hierarchical roles, organizational procedures, feedback loops, and interpersonal dynamics.
Implementation of Tradeable Permit Instruments in Water Resource Utilization in Makassar City Hanafie, Nurharsya Khaer; Muhtar, Muhtar; Satrul, Hairul Saleh
Jurnal Ilmiah Ilmu Administrasi Publik Vol 15, No 2 (2025)
Publisher : Program Pascasarjana Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jiap.v15i2.79370

Abstract

This study aims to analyze the potential and challenges of implementing tradeable permits in the management and utilization of water resources in Makassar City. The background of this study is driven by increasing pressure on water resources due to population growth, industrial expansion, and changes in land use. The command and control approach that has been applied through water extraction and utilization permits has not been able to promote efficiency and fairness in the distribution of water resources. Therefore, policy innovation based on environmental economic instruments is needed. The research method used a legal-empirical approach, with analysis of national and regional legislation related to water resource management, as well as in-depth interviews with the Makassar Public Works and Spatial Planning Agency (PUPR), Makassar Water Company (PDAM), and industry players. The results of the study show that the implementation of tradeable permits has the potential to increase the efficiency of water allocation between sectors and encourage water resource conservation. However, challenges arise in terms of institutional aspects, monitoring mechanisms, and the readiness of quantitative data systems related to water utilization quotas. This study concludes that the implementation of tradeable permits for water resources in Makassar could be a progressive policy alternative, but it requires a clear operational legal basis, an integrated monitoring system, and cross-sector coordination between local government, PDAM, and business actors.
IMPLEMENTASI KERANGKA HUKUM PENGADAAN BARANG DAN JASA PEMERINTAH: ANALISIS TANTANGAN DAN INOVASI PENCEGAHAN KORUPSI DI INDONESIA Syafar, Irfan; Hanafie, Nurharsya Khaer; Herman, Herman
SUPREMASI: Jurnal Pemikiran, Penelitian Ilmu-ilmu Sosial, Hukum dan Pengajarannya Volume 20, Nomor 2 (Oktober 2025)
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/supremasi.v20i2.76744

Abstract

Pengadaan barang dan jasa pemerintah merupakan instrumen fundamental dalam administrasi publik yang membutuhkan kerangka hukum yang kuat untuk memastikan transparansi, akuntabilitas, dan efisiensi. Penelitian ini bertujuan untuk menganalisis secara komprehensif kerangka hukum pengadaan pemerintah di Indonesia, mengidentifikasi tantangan implementasi, dan mengevaluasi inovasi teknologi serta mekanisme pencegahan korupsi yang telah diterapkan. Metodologi penelitian ini menggunakan pendekatan tinjauan pustaka sistematis terhadap peraturan, jurnal akademik, dan studi kasus implementasi pengadaan di berbagai instansi pemerintah selama tahun 2016-2025. Temuan penelitian menunjukkan bahwa meskipun Indonesia telah membangun landasan hukum yang kokoh melalui Peraturan Presiden No. 12 Tahun 2021, implementasinya masih menghadapi tantangan yang signifikan, termasuk kurangnya pemahaman pejabat terhadap prosedur, beban kerja yang tinggi, dan risiko korupsi yang tinggi dengan 331 kasus yang tercatat sepanjang tahun 2004-2023. Inovasi teknologi melalui sistem pengadaan elektronik (e-procurement) telah menunjukkan dampak positif dalam meningkatkan transparansi dan efisiensi, sementara mekanisme audit integritas dan Layanan Penyelesaian Sengketa LKPP berkontribusi pada pencegahan penipuan dan penyelesaian konflik. Penelitian ini menyimpulkan bahwa penguatan kapasitas sumber daya manusia, peningkatan pengawasan, dan optimalisasi teknologi informasi merupakan hal yang penting.
lllegal Financial Technology Loans Amid the Covid-19 Pandemic Problem Nurharsya Khaer Hanafie; Andika A. Gani; Virmansyah Virmansyah
Unnes Law Journal Vol. 8 No. 2 (2022): October, 2022
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/ulj.v8i2.37286

Abstract

This study aims to identify and analyze illegal online lending practices in the midst of the Covid-19 problems. The research method used in this research is normative juridical research, namely the method of doctrinal legal research by reviewing the applicable regulatory provisions as a basis for analyzing the problems that occur and providing a paradigm as an effort to mitigate those problems. This qualitative research uses a descriptive analysis from primary and secondary legal materials through the study of documents and related literature. Based on the results of the study, the pandemic situation has resulted in growing illegal online loan services. Many individuals and micro, small and medium enterprises UMKM) are entangled in lending and borrowing due to the capital needs as a result of the Emergency Public Activity Restrictions (PPKM) policy. Based on the findings, the authors suggested that the improvement of public literacy related to lending needs to be encouraged, including efforts to ratify the personal data protection law and the drafting of the Fintech.