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Optimalisasi Perlindungan Konsumen dan Peningkatan Perdagangan Mata Uang Virtual di Indonesia: Studi tentang Peraturan Otoritas Jasa Keuangan Ekawati, Dian; Tohir, Toto; Susanto, Susanto
Al-Ishlah: Jurnal Ilmiah Hukum Vol 27 No 1: Desember 2023 - Mei 2024
Publisher : Fakultas Hukum, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56087/aijih.v27i1.452

Abstract

This study aims to normatively analyze OJK Regulation Number 3 of 2024, focusing on consumer protection in the context of the increasing trade in virtual currency in Indonesia. This study uses a normative legal research method. The collected legal material is then qualitatively analyzed to describe the problem and answer the study objectives. The results show that OJK Regulation Number 3 of 2024 is crucial in optimizing consumer protection and increasing virtual currency trading in Indonesia. Through the general provisions in OJK Regulation Number 3 of 2024, which cover consumer protection and the sandbox mechanism, the regulation supports responsible testing and development of FinTech innovations. The practical implementation of OJK Regulation Number 3 of 2024, emphasizing personal data protection and transparency, adds a layer of consumer protection. Overall, OJK Regulation Number 3 of 2024 creates an environment conducive to safe and regulated virtual currency trading, enhancing investor and consumer confidence in the Indonesian FinTech ecosystem. Therefore, it is recommended that the government and OJK, FinTech innovators and virtual currency traders, as well as consumers and investors, take strategic steps to enhance consumer protection and optimize virtual currency trading in Indonesia. The Government and OJK need to ensure the effective implementation of OJK Regulation Number 3 of 2024 through widespread socialization, strict supervision, and firm law enforcement against violations. FinTech innovators and virtual currency traders should develop robust risk management systems, enhance operational transparency, and ensure compliance with personal data protection provisions. Consumers and investors are advised to improve their digital financial literacy, critically assess investment risks, and interact only with platforms and service providers that have been verified and comply with OJK regulations. The collaboration between regulators, the industry, and the community will create a safer, more transparent, and sustainable virtual currency trading ecosystem, supporting the growth of the FinTech sector in Indonesia while minimizing potential risks for consumers and investors.
PERLINDUNGAN HUKUM TERHADAP NASABAH BANK YANG DIRUGIKAN AKIBAT KEJAHATAN SKIMMING DITINJAU DARI PERSPEKTIF TEKNOLOGI INFORMASI DAN PERBANKAN Ekawati, Dian
UNES Law Review Vol. 1 No. 2 (2018)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/law.v1i2.24

Abstract

The progress of the banking system cannot be separated from the role of information technology. In addition to facilitating the company's internal operations, technology tools also aim to facilitate service to bank customers. One side of Information Technology provides not a few benefits to improving services both public services and internal services. On the other hand Information Technology is used by people who are not responsible by committing acts that are against the law, which attacks various legal interests of the people, society, and the state. This study aims to get information about banking crimes that use the skimming method and about legal protection for customers who are victims of skimming crime. The research method is juridical normative, namely obtaining and combining and analyzing data obtained from books, articles and journals and related legislation. The results obtained are that crime skimming is an old mode of customer money burglary which is done by stealing customer data at the customer's ATM with skimmer techniques. Legal protection against customers who are harmed due to the crime of skimming can be carried out by criminal means, namely reporting to the police and the police's duty to arrest the perpetrators. Legal protection through civil law by way of the bank replacing the customer's money after clarifying the transaction against the customer's account
Ineffectiveness of Industrial Relations Court Decision Execution: A Critical Analysis of Procedural Law Vacuum and the Urgency of Establishing a Special Execution Institution Herdiana, Dadan; Ekawati, Dian; Santini, Inawati
SIGn Journal of Social Science Vol 6 No 1: Juni - November 2025
Publisher : CV. Social Politic Genius (SIGn)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37276/sjss.v6i1.542

Abstract

The development of labor law in Indonesia aims to achieve social justice by protecting workers’ rights. However, the reality of law enforcement reveals a juridical anomaly in which Industrial Relations Court decisions that have obtained permanent legal force (inkracht van gewijsde) are frequently not executed (non-executable). Consequently, workers’ normative rights, such as the right to severance pay and unpaid wages, remain unfulfilled. This study aims to analyze the root causes of such execution failures and to formulate effective institutional solutions. Utilizing a normative juridical research method with statutory, conceptual, and case approaches, this research examines the dependence of Law Number 2 of 2004 on the Civil Procedure Law—specifically the HIR/RBg—which is passive and formalistic in nature. The results indicate that execution failure is caused by the burden of asset proof being placed entirely on the worker. Furthermore, the absence of the court’s investigative authority to conduct asset tracing, along with judges’ weak application of Conservatory Attachment (Conservatoir Beslag) and Penalty Payments (Dwangsom), exacerbates the situation. Dependence on the archaic HIR/RBg procedures proves incompatible with the characteristics of labor disputes that demand speed. This is worsened by the dynamics of non-standard employment relationships in the gig economy, which are vulnerable to asset stripping. This study concludes that without procedural law reform, Industrial Relations Court decisions remain merely illusory judgments. Therefore, the establishment of a Special Execution Unit within the Industrial Relations Court, with autonomous authority to access integrated asset data, is recommended. Additionally, the issuance of regulations mandating the application of Dwangsom on an ex officio basis in every condemnatory (condemnatoir) decision is necessary to guarantee legal certainty and substantive justice for workers.
Model Read, Answer, Discuss, Explain, Create (RADEC) Terhadap Peningkatan Hasil Belajar Peserta Didik Kelas XI Merdeka Peminatan Kimia SMAN 8 Makassar (studi pada materi pokok kesetimbangan kimia) Ekawati, Dian; Allo, Eda Lolo; Herawati, Netti
ChemEdu Vol 6, No 3 (2025)
Publisher : Jurusan Kimia FMIPA UNM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35580/chemedu.v6i3.79980

Abstract

ABSTRAK Penelitian ini dilatar belakangi oleh peserta didik yang kurang aktif dalam proses pembelajaran terutama pada materi kesetimbangan kimia dikarenakan tergolong materi komples dimana terdapat perhitungan dan konsep yang bersifat abstrak yang mengakibatkan hasil belajar peserta didik tergolong rendah. Penelitian ini bertujuan untuk mengetahui keefektifan model Read, Answer, Discuss, Explain, Create (RADEC) terhadap peningkatan hasil belajar peserta didik pada materi kesetimbangan kimia. Metode penelitian yang digunakan adalah pra-experiment dengan desain penelitian one-group pretest-posttest. Variabel bebas dalam penelitian ini adalah penerapan model RADEC sedangkan variabel terikatnya adalah hasil belajar peserta didik pada materi kesetimbangan kimia. Populasi penelitian adalah kelas XI Merdeka Peminatan Kimia SMAN 8 Makassar tahun ajaran 2024/2025 yang terdiri dari 5 kelas. Pengambilan sampel dilakukan secara acak. Sampel penelitian ini adalah kelas XI Merdeka Peminatan Kimia 7 dengan jumlah peserta didik sebanyak 27 orang. Instrumen penelitian berupa tes hasil belajar. Pengumpulan data dilakukan dengan memberikan pretest dan posttest. Analisis data dilakukan secara deskriptif dengan menggunakan N-gain dimana rata-rata N-gain hasil belajar menunjukkan 0,72 dengan kategori tinggi. Data hasil belajar terdistribusi normal sehingga pengujian hipotesis dilakukan dengan menggunakan uji-t satu dan diperoleh thitung = 21 > ttabel = 1,76, sehingga H0 ditolak dan H1 diterima. Hal ini menunjukkan bahwa model RADEC efektif meningkatkan hasil belajar peserta didik kelas XI Merdeka Peminatan Kimia SMAN 8 Makassar. ABSTRACT This research is motivated by students who are less active in the learning process, especially on chemical equilibrium material because it is classified as complex material where there are calculations and abstract concepts that result in low student learning outcomes. This study aims to determine the effectiveness of the Read, Answer, Discuss, Explain, Create (RADEC) model on improving student learning outcomes on chemical equilibrium material. The research method used is a pre-experiment with a one-group pretest-posttest research design. The independent variable in this study is the application of the RADEC model while the dependent variable is student learning outcomes on chemical equilibrium material. The study population was class XI Merdeka Chemistry Specialization SMAN 8 Makassar in the 2024/2025 academic year consisting of 5 classes. Sampling was done randomly. The sample of this study was class XI Merdeka Chemistry Specialization 7 with a total of 27 students. The research instrument was a learning outcome test. Data collection was carried out by administering a pretest and posttest. Data analysis was conducted descriptively using N-gain where the average N-gain of learning outcomes showed 0.72 with a high category. The learning outcome data were normally distributed so that hypothesis testing was conducted using a one-t test and obtained tcount = 21 > ttable = 1.76, so H0 was rejected and H1 was accepted. This shows that the RADEC model is effective in improving the learning outcomes of class XI Merdeka Chemistry students at SMAN 8 Makassar.
Edukasi Tanda Persalinan dan Tanda Bahaya Persalinan pada Ibu Hamil melalui Media Kartu Bertangkai Interaktif di Puskesmas Praya Ekawati, Dian; Rahayu, Ririn Apriana; Sinatin, Rasmi; Maryam, Siti
SAMBARA: Jurnal Pengabdian Kepada Masyarakat Vol 4 No 1 (2026): Januari
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/sambarapkm.v4i1.1162

Abstract

Angka kematian ibu (AKI) masih menjadi tantangan global dan nasional, termasuk di Indonesia yang mencatat peningkatan AKI dari 177 menjadi 189 per 100.000 kelahiran hidup pada 2023. Rendahnya pengetahuan ibu hamil mengenai tanda persalinan dan tanda bahaya berkontribusi signifikan terhadap keterlambatan penanganan. Program ini bertujuan meningkatkan pengetahuan ibu hamil melalui edukasi interaktif menggunakan media kartu bertangkai di wilayah kerja Puskesmas Praya. Kegiatan dilaksanakan dengan pendekatan partisipatif berbasis community-based education, mengombinasikan ceramah interaktif, audiovisual, permainan edukatif, dan pelatihan kader. Evaluasi dilakukan melalui pre-test, post-test, serta observasi partisipasi. Hasil menunjukkan peningkatan pengetahuan yang signifikan, di mana kemampuan peserta dalam mengenali tanda persalinan meningkat dari 38,5% menjadi 92,3%, sedangkan pengenalan tanda bahaya meningkat dari 30,8% menjadi 84,6%. Media kartu bertangkai terbukti efektif memperkuat pemahaman visual dan meningkatkan keterlibatan peserta dalam proses belajar. Penerapan metode interaktif ini tidak hanya memudahkan ibu hamil mengidentifikasi kondisi risiko secara cepat, tetapi juga meningkatkan kesiapsiagaan mereka dalam menghadapi persalinan. Temuan ini mengindikasikan bahwa penggunaan media edukasi visual-partisipatif dapat menjadi strategi yang direkomendasikan dalam upaya peningkatan literasi kesehatan maternal dan pencegahan komplikasi persalinan di masyarakat.
Peningkatan Pengetahuan Masyarakat dalam Memahami Stunting dan Bahaya Penyakit TBC di Wilayah Kerja Puskesmas Kopo Fahmi, Fahmi Fuadah; Natalia, Lidya; Prasetyo, Yunus Adhy; Sundariningsih, Sundariningsih; Ekawati, Dian; Permatasari, Mayang Januarti
NuCSJo : Nusantara Community Service Journal Vol. 2 No. 3 (2025)
Publisher : Lembaga Penelitian Dan Publikasi Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70437/wf9cgd67

Abstract

Stunting dan tuberkulosis (TBC) merupakan dua masalah kesehatan prioritas yang membutuhkan perhatian serius di tingkat masyarakat. Tingkat pengetahuan yang rendah mengenai pencegahan stunting serta penularan dan bahaya TBC berkontribusi pada meningkatnya risiko kejadian kedua masalah kesehatan tersebut. Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan pemahaman masyarakat dan kader kesehatan mengenai stunting serta penyakit TBC di RW 1 Kelurahan Situsaeur Kecamatan Bojongloa Kidul Bandung. Metode kegiatan meliputi penyuluhan interaktif, diskusi kelompok, demonstrasi materi kesehatan, dan pendampingan kader. Hasil kegiatan menunjukkan peningkatan signifikan pada pengetahuan masyarakat tentang penyebab, pencegahan, dan dampak stunting, serta pemahaman mengenai cara penularan, gejala, dan pencegahan TBC. Kader kesehatan dapat memberikan edukasi berkelanjutan dan memantau keluarga berisiko. Kegiatan ini berkontribusi dalam meningkatkan kesadaran dan kesiapan masyarakat dalam mencegah stunting dan TBC secara mandiri.
Co-Authors Abdul Hadi Adhy Prasetyo, Yunus Adi Bangun Wiratmo, Yohanes Adi, Yohanes Angelina, Ria Aryanti, Maya Lisa Ayuni, Amalia Qurrota Badrul Munir, Badrul Cansrina, Genita Dede Endang Mascita Dian Kinayung Fahmi, Fahmi Fuadah Fransiska , Tria Maria Gatot Yudoko Gurdani Yogisutanti Hariningsih, Wintari Haryanti, Amelia Herdiana, Dadan Herlina Siwi Widiana Hidayah, Rohmatul Hotmaida, Linda Ika Lestari Damayanti Iriyanti Harun JULIYANTI JULIYANTI, JULIYANTI Kamelia Gantrisia, Kamelia KARYOTO, KARYOTO Komala, Kokom Marunduri, Albert Buala Zocho Muhammad Aminuddin, Muhammad Muhammad Kasim Muhammad Rifqi Mahmud Munalar, Sri Siti Nafhanda, Alyssa Myrelia Nani Darmayanti, Nani Natalia, Lidya Nenden Sri Lengkanawati Netti Herawati Ngadiman, Susanna Theresia Ngatiran, Ngatiran Nuryadin, Adriyana Adevia Pahlawan MP, Muhamad Rezky Permatasari, Mayang Januarti Prasetyo, Yunus Adhy Prastiko, Muhammad Adrea Dwi Prastiwi, Dian Eka Prayitno, Isnu Harjo Purgito, Purgito Rahayu, Ririn Apriana Riana , Asysyifa Saediman Sajidin Sajidin, Sajidin Santini, Inawati Sari, Nani Widya Sariningsih, OD Sinatin, Rasmi Siti Chadijah SITI MARYAM Sri Maryati Sri Rejeki Sri Rezeki Srihesty Manan Suidat, Suidat Sundariningsih, Sundariningsih Susanto Susanto Susi Machdalena Tambunan, Roselina Tohadi Tohadi Toto Tohir Tri Ardayani, Tri Utari, Ardhini Dwi Wardhani, Bilqis Pramudiya Wardhani, Dwi Kusumo Windarti, Sriyani Wisjnu Martani Yuliani Yuliani Yuliawati, Susi Yunengsih, Yuyun Yusida Gloriani Yusria Zulfikar, Andi