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Implementasi Perjanjian Pembiayaan Antara Konsumen Dan leasing Dalam Jual Beli Sepeda Motorpada Dealer Sriaraya Motor Rimbo Ilir Muara Tebo Darmawanto Darmawanto; Nova Elsyra; Delvita Juniarsih; Ani Safitri
Jurnal Administrasi Sosial dan Humaniora Vol 2, No 1 (2018): Juni
Publisher : Institut Administrasi dan Kesehatan Setih Setio

Penelitian ini dilatarbelakangi oleh permasalahan antara konsumen dan leasing melaksanakan perjanjian pembiayaan dalam jual beli sepeda motordi Dealer Sri Araya Motor Rimbo Ilir Muara Tebo. Perjanjian pembiayaan antara konsumen dan leasing terjadi atas bantuan dari pihak Dealer Sri Araya Motor Rimbo Ilir Muara Tebo.Melalui pihakDealer Sri Araya Motor Rimbo Ilir Muara Tebo barang yang diperlukan oleh konsumen dikirim untuk memenuhi kebutuhan konsumen untuk dilaksanakan pembiayaan kepada konsumen.Penelitian ini bertujuan untuk mengetahui pelaksanaan perjanjian pembiayaan antara konsumen dan leasingdalam jual beli sepeda motor pada Dealer Sri Araya Motor Rimbo Ilir Muara Tebo, serta hambatan yang dihadapi oleh leasing yang bekerjasama dengan Sri Araya Motor Rimbo Ilir Muara Tebo dalam melaksanakan perjanjian pembiayaan konsumen dan upaya yang dilakukan. Dalam hal ini akan dianalisis secara langsung bagaimana implementasi perjanjian pembiayaan antara konsumen dan leasing dalam jual beli sepeda motor pada Dealer Sri Araya Motor Rimbo Ilir Muara Tebo.Dari hasil analisis yang dilakukan terhadap data yang diperoleh dari beberapa narasumber dengan menggunakan metode wawancara kepada 10 orang responden yang terkait penelitian, menggunakan teknikpurposive sampling. Diperoleh hasil bahwa implementasi pembiayaan konsumen dan leasing dengan menggunakan prinsip perkreditan 5C belum sepenuhnya diterapkan oleh pihak Dealer Sri Araya Motor Rimbo Ilir Muara Tebo. Serta mendapatkan hambatan yaitu banyaknya konsumen yang terlambat dalam membayar kredit, banyak terdapat kesalahan data dari konsumen, kurangnya tenaga kerja untuk melakukan penagihan. Serta upaya dari pihak leasing yaitu pihak leasing akan memberikan potongan harga jika konsumen tidak terlambat dalam membayar kredit, pihak leasing harus hati-hati dalam mendata konsumennya, pihak leasing melakukan penagihan kepada konsumen secara langsung. Disarankan agar pihak Dealer Sri Araya Motor Rimbo Ilir Muara Tebo maupun leasing untuk memberikan reward (penghargaan) untuk konsumen yang tepat waktu membayar cicilan kreditnya, hati-hati dalam mengecek data yang diberikan konsumen sejak awal diberikannya data tersebut, menambahkan tenaga kerja dibagian lapangan atau penagihan cicilan.

The Role of Artificial Intelligence in Government Services: A Systematic Literature Review Hamirul; Darmawanto; Nova Elsyra; Syahwami
Open Access Indonesia Journal of Social Sciences Vol. 6 No. 3 (2023): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v6i3.163

Artificial intelligence (AI) technology has become a significant factor in the transformation of government services around the world. AI has opened up new opportunities for governments to improve their effectiveness, efficiency, and responsiveness in providing services to the public. This study aimed to conduct studies in order to conduct an in-depth review of the role of artificial intelligence in government services. Literature search efforts are carried out by searching on search engines using certain keywords. Articles that match the inclusion criteria are reviewed in depth. AI has become a powerful tool for governments to improve public services, administrative efficiency, and better decision-making. The use of AI in government enables fast data processing and accurate analysis, increases the efficiency of public services, strengthens oversight and law enforcement, and supports strategic planning. However, the challenges that need to be addressed, including data privacy, ethics, and public trust, must be looked at carefully.

The Role of Artificial Intelligence in Government Services: A Systematic Literature Review Hamirul; Darmawanto; Nova Elsyra; Syahwami
Open Access Indonesia Journal of Social Sciences Vol. 6 No. 3 (2023): Open Access Indonesia Journal of Social Sciences
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/oaijss.v6i3.163

Artificial intelligence (AI) technology has become a significant factor in the transformation of government services around the world. AI has opened up new opportunities for governments to improve their effectiveness, efficiency, and responsiveness in providing services to the public. This study aimed to conduct studies in order to conduct an in-depth review of the role of artificial intelligence in government services. Literature search efforts are carried out by searching on search engines using certain keywords. Articles that match the inclusion criteria are reviewed in depth. AI has become a powerful tool for governments to improve public services, administrative efficiency, and better decision-making. The use of AI in government enables fast data processing and accurate analysis, increases the efficiency of public services, strengthens oversight and law enforcement, and supports strategic planning. However, the challenges that need to be addressed, including data privacy, ethics, and public trust, must be looked at carefully.

The Role of Customary Law in Forest Governance and Conservation in Jambi, Indonesia: A Case Study of Makekal Hulu Village within the Customary Territory of the Suku Anak Dalam Burhanuddin; Nova Elsyra; Joko Sunaryo; Syahwami; Helva Rahmi; Hamirul
Enigma in Cultural Vol. 2 No. 2 (2024): Enigma in Cultural
Publisher : Enigma Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61996/cultural.v2i2.71

Indonesia's forests face increasing pressures from deforestation and degradation. While national laws exist to protect these vital ecosystems, their implementation often faces challenges, particularly in areas inhabited by indigenous communities with distinct customary laws and practices. This study examines the role of customary law (adat law) in forest governance and conservation in Jambi Province, Indonesia, focusing on Makekal Hulu village within the customary territory of the Suku Anak Dalam. This qualitative study employed a case study approach. Data were collected through semi-structured interviews with adat leaders, community members, government officials, and NGO representatives. Focus group discussions were conducted to gather diverse perspectives on forest management practices. Relevant documents, such as adat regulations, government policies, and NGO reports, were also analyzed. Additionally, data was utilized to enhance understanding of resource use dynamics and land-use change patterns. The findings reveal that adat law plays a significant role in regulating access to and use of forest resources in Makekal Hulu. Adat institutions, led by the village elder and guided by customary beliefs, enforce rules related to logging, hunting, and land clearing. These rules often complement national laws, providing a localized and context-specific approach to forest management. However, challenges exist in harmonizing adat law with national legislation, particularly concerning land tenure conflicts and external pressures from logging and plantation interests. In conclusion, this study highlights the importance of recognizing and incorporating adat law into forest governance frameworks in Indonesia. By integrating traditional knowledge and practices with national policies, a more effective and sustainable approach to forest conservation can be achieved. This requires collaboration between government agencies, adat communities, and civil society organizations to ensure that adat law is respected and supported within the broader legal framework.

Building Entrepreneurial Capacity: The Role of Publicly Funded Training Programs in Empowering MSMEs in Dharmasraya, Indonesia Mukti Diapepin; Donna Ikranova Febrina; Joko Sunaryo; Yulia Wiji Astika; Nova Elsyra; Teta Wismar; Hamirul
Indonesian Community Empowerment Journal Vol. 4 No. 2 (2024): Indonesian Community Empowerment Journal
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/icejournal.v4i2.61

Micro, small, and medium enterprises (MSMEs) are vital to the Indonesian economy, especially in rural areas like Dharmasraya. This community service project aimed to empower MSMEs by building their entrepreneurial capacity through publicly funded training programs. Using a participatory action research approach, a needs assessment was conducted with 100 MSME owners in Dharmasraya to identify challenges and training needs. Based on the findings, workshops and mentoring sessions were designed and delivered, focusing on financial literacy, marketing strategies, digital literacy, and business plan development. The training program significantly improved participants' understanding of key business concepts, including financial management, marketing, and digital tools. Participants also showed increased confidence in managing and growing their businesses. The program fostered a sense of community and peer learning among MSME owners. In conclusion, publicly funded training programs are crucial for building entrepreneurial capacity and empowering MSMEs in Dharmasraya. This initiative highlights the effectiveness of participatory approaches in addressing community needs and fostering sustainable economic development.

Evaluating the Effectiveness of Legal Frameworks in Promoting Integrity and Preventing Maladministration in Public Agencies in Jambi Province Nova Elsyra; Syahwami; Joko Sunaryo; Burhanuddin; Hamirul
Enigma in Law Vol. 3 No. 1 (2025): Enigma in Law
Publisher : Enigma Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61996/law.v3i1.87

Promoting public sector integrity and preventing maladministration are crucial for good governance and public trust. Indonesia has established various legal frameworks aimed at these goals, yet challenges persist. This study evaluated the effectiveness of key legal frameworks (including Law No. 30/2014 on Government Administration, Law No. 5/2014 on State Civil Apparatus, Law No. 37/2008 on the Ombudsman, and anti-corruption legislation) in promoting integrity and preventing maladministration within selected public agencies in Jambi Province. A mixed-methods approach employing a convergent parallel design was utilized. Data collection occurred between June and September 2024. Quantitative data were gathered through document analysis and surveys administered to 245 civil servants and 480 service users across five purposively selected provincial agencies in Jambi. Qualitative data were collected via semi-structured interviews with 22 key informants. Data were generated based on regional trends and literature. Quantitative data were analyzed using descriptive statistics and ANOVA, while qualitative data underwent thematic analysis. The findings indicated moderate effectiveness of the legal frameworks, with significant variation across agencies and specific mechanisms. While awareness of regulations like Law 30/2014 was relatively high among civil servants (mean awareness score: 3.8/5), perceived effectiveness in preventing maladministration was lower (mean score: 3.1/5). Integrity Zone initiatives showed a positive but limited impact. Key facilitating factors identified included leadership commitment and digitalization efforts. Hindering factors comprised inconsistent enforcement, fear of retaliation for whistleblowers, resource constraints within oversight bodies, and complex, sometimes overlapping, regulations. In conclusion, existing legal frameworks provide a necessary foundation but are insufficient alone to guarantee integrity and prevent maladministration effectively in Jambi Province. Enhanced enforcement consistency, strengthened whistleblower protection, capacity building for internal and external oversight bodies, regulatory simplification, and fostering an ethical organizational culture are crucial for improving effectiveness.

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