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PENYALAHGUNAAN KARTU KREDIT YANG DILAKUKAN OLEH PENERBIT MAUPUN PEMEGANG KARTU KREDIT DAN PENYELESAIANNYA Dedy Darmawan
Journal of Law ( Jurnal Ilmu Hukum ) Vol 5, No 1 (2017)
Publisher : Universitas 17 Agustus 1945 Samarinda

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

Abstract

ABSTRAK Penyimpangan dalam penggunaan credit card itu dapat dibedakan berdasarkan perilakunya, yaitu : Penyimpangan yang dilakukan oleh card holder; Penyimpangan yang dilakukan oleh merchant. Upaya bank untuk mengatasi berbagai macam penyimpangan baik yang dilakukan oleh card holder maupun merchant, antara lain adalah : Untuk mengatasi penggunaan credit card yang melampaui credit limit yang dilakukan dengan transaksi di bawah floor limit, maka Issuer (bank) untuk pertama kalinya akan memberikan peringatan kepada card holder agar tidak menggunakan credit card yang melampaui credit limit, meskipun card holder mempunyai dana yang cukup. Apabila pelanggaran atas credit limit tersebut tetap dilakukan meskipun peringatan telah diberikan sebanyak tiga kali, maka issuer (bank) dapat membatalkan kartu tersebut dan memasukkannya ke dalam daftar hitam dan card holder berkewajiban melunasi segala kewajibannya yang belum lunas; Untuk mengatasi seringnya card holder terlambat dalam membayar tagihan rekeningnya, Issuer (bank) akan memberikan peringatan kepada card holder.dengan memberikan denda atas keterlambatan membayar rekening; Upaya atau langkah yang ditempuh bank untuk menanggulangi tindakan merchant melakukan pemberian harga yang lebih tinggi pada card holder adalah : Bank untuk pertama kalinya akan memberikan peringatan kepada merchant agar tidak melakukan perbuatan yang melanggar tersebut. Apabila perbuatan pemecahan transaksi masih tetap dilakukan oleh merchant, maka issuer (bank) selanjutnya akan memberikan sanksi. Upaya terakhir yang dilakukan oleh issuer (bank) adalah pembatalan/pemutusan perjanjian; Upaya atau langkah yang ditempuh bank untuk menanggulangi tindakan merchant melakukan penggandaan sales draft atau transaksi fiktif adalah : Bank akan memberikan peringatan kepada merchant dan disertai dengan pemberian sanksi yaitu akan menolak pembayaran transaksi fiktif jika tagihan transaksi fiktif tersebut belum dibayar oleh issuer. Jika tagihan transaksi fiktif tersebut sudah terlanjur dilunasi oleh issuer dan masuk dalam rekening tagihan card holder yang nama dan nomor credit cardnya digunakan dalam transaksi fiktif tersebut, maka issuer (bank) akan memotong/menagih kembali tagihan yang telah dilunasi oleh issuer. Apabila penggandaan faktur atau transaksi fiktif dilakukan berkali-kali, maka akan dilakukan pemutusan perjanjian secara sepihak oleh issuer (bank). Selain cara pertama, issuer (bank) dapat mengajukan gugatan ke Pengadilan Negeri.
PERANAN MOTIVASI DAN KOMPETENSI: ANALISIS KINERJA PEGAWAI PEMERINTAHAN DAERAH KABUPATEN PASER Dedy Darmawan
At-Tadbir : jurnal ilmiah manajemen Vol 3, No 2 (2019): At-Tadbir : jurnal ilmiah manajemen
Publisher : Islamic University of Kalimantan MAB Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (814.011 KB) | DOI: 10.31602/atd.v3i2.2032

Abstract

This study aims to determine the effect of motivation variables (X1) and competence (X2) on employee performance (Y) simultaneously and partially in the Public Relations and Protocol Section of the Paser Regency Regional Secretariat. The analysis method uses multiple linear regression. The population in this study were all employees in the Public Relations and Protocol Section at the Paser Regency Regional Secretariat. The sample of this study was 32 people. Simultaneous testing shows that there is at least one independent variable (X), which affects the dependent variable. Furthermore, partial testing is carried out, which shows the effect of motivation (X1) has a significant effect on employee performance (Y) of 5.440. While the competency variable (X2) does not affect employee performance (Y). The adjusted R square is 0.472; which means that the variation of motivation (X1) and competence (X2) can explain the performance (Y) of 47.2% while the rest is explained by other unknown factors of 52.8%. Based on the results of the analysis, motivation (X1) is a very dominant variable affecting the performance of employees in the Public Relations and Protocol Section at the Paser Regency Regional Secretariat. This causes competence not to have a significant effect on employee performance.Keywords: motivation, competency and employee performance.
Pengaruh Pengawasan Dan Disiplin Kerja Terhadap Produktivitas Karyawan PT. Kideco Jaya Agung Kecamatan Batu Sopang Shalahuddin Shalahuddin; Danang Alfian Saputra; Dedy Darmawan
At-Tadbir : jurnal ilmiah manajemen Vol 4, No 2 (2020): At-Tadbir : jurnal ilmiah manajemen
Publisher : Islamic University of Kalimantan MAB Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (338.022 KB) | DOI: 10.31602/atd.v4i2.3217

Abstract

This study aims to determine the effect of monitoring variables (X1) and Work Discipline (X2) on employee productivity (Y) at the Planning Department of PT Kideco Jaya Agung, Batu Sopang District. The analytical tool used is multiple linear regression analysis that is processed with the help of SPSS. From the calculation results, the regression equation Y = 1.049 + 0.531X1 + 0.283X2 is obtained. The magnitude of the correlation coefficient (R) is 0.906. This shows that there is a solid relationship between supervisory variables (X1) and work discipline (X2) on employee productivity (Y), while the coefficient of determination R2 is 0.810. This shows that the supervisory variable (X1) and the work discipline variable (X2) have an effect of 81% on employee productivity (Y). In contrast, the remaining 19% is influenced by other variables not yet included in this study. From the results of the calculated F value of 82.156 > F table at 5% significance level with degrees of freedom (DB) = nk-1, that is 39-2-1 = 36, amounting to 3.26. This means that there is a joint effect between supervision (X1) and work discipline (X2) on employee productivity (Y). Furthermore, the t-test results showed that the supervision variable (X1) had a dominant effect on employee productivity (Y), obtained tcount> t-table (6.644> 2.028) and seen in the Coefficient Table that the supervision variable (X1) was 6.644 greater than the value of work discipline ( X2) of 2,585 (6,644> 2,585).Keywords: Employee Productivity, Supervision, Work Discipline
HUMAN RESOURCES EMPOWERMENT STRATEGY IN BUSINESS ACTIVITIES AND TOURISM DEVELOPMENT IN LAGUNA KAUR BEACH Saputra, Julian; Darmawan, Dedy Darmawan; Islamiah, Farida
Jurnal Ekonomi Ichsan Sidenreng Rappang Vol 2 No 1 (2023): June, Hal :125-174
Publisher : Universitas Ichsan Sidenreng Rappang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61912/jeinsa.v2i1.23

Abstract

Kaur Regency has a very good opportunity to boost regional competitiveness both at the regional and national levels, especially for a number of goods that have competitiveness in the tourism industry. The purpose of this research is to learn more about the training offered by the Office of Tourism and Creative Economy to tourism industry players in Laguna Beach. A descriptive approach is used in this qualitative research. Using observation, documentation, and interviews as data collection methods. To obtain sufficient data, information is collected from various sources. This information is then examined qualitatively and explained using words and phrases. The data analysis method used is data reduction, data visualization, and drawing conclusions. The findings of this study indicate that the training-based empowerment plan for Laguna Beach tourism business actors has been going quite well. This can be seen from the fact that business actors are given the necessary skills to manage beach tourism properly and effectively.
Pengaruh Motivasi Terhadap Kinerja Pegawai Negeri Sipil Pada Dinas Kearsipan dan Perpustakaan Daerah Kabupaten Paser Dedy Darmawan; Istiana Agustika Anandy; Amir Hamzah; Ismail Ismail; Shalahuddin
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 1 No. 3 (2021): November : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (289.725 KB) | DOI: 10.55606/jaem.v1i3.12

Abstract

The study uses a quantitative data analysis approach used with SPSS. The sample in the study was 36 people. The purpose of this study is 1). To analyze the influence of motivation consisting of physiologic needs, security needs, social needs, reward needs, and self-actualization needs have simultaneous and partial influences on Employee Performance 2). To analyze the motivation variables studied, which are between physiologic needs, security needs, social needs, reward needs, and the dominant self-actualization needs for Employee Performance. The results showed that: 1). Simultaneously and partially a strong relationship between motivational variables consisting of physiologic needs, security needs, social needs, reward needs, and self-actualization needs with the performance of Civil Servants in the Archivist Office and Paser District Library. 2). Partial test results showed that social needs exerted a dominant influence, evidenced by a calculated value of 2,414 greater than other variables.
PENGARUH KEAKTIFAN SISWA DALAM ORGANISASI IKATAN PELAJAR MUHAMMADIYAH TERHADAP PRESTASI BELAJAR SISWA DI SMP MUHAMMADIYAH 15 AMBULU Dedy Darmawan
Cendikia: Jurnal Pendidikan dan Pengajaran Vol. 2 No. 5 (2024): Cendikia: Jurnal Pendidikan dan Pengajaran
Publisher : Cendikia: Jurnal Pendidikan dan Pengajaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/cendikia.v2i5.1610

Abstract

Penelitian ini memiliki tujuan untuk menginvestigasi pengaruh siswa yang aktif dalam organisasi Ikatan Pelajar Muhammadiyah terhadap prestasi belajar yang diraih siswa di SMP Muhammadiyah 15 Ambulu. Penggunaan metode survei dengan pendekatan kuantitatif adalah metode yang pakai peneliti untuk mendapatkan data penelitian. Sampel yang diteliti dalam penelitian ini adalah siswa SMP Muhammadiyah 15 Ambulu yang berperan aktif dalam Organisasi Ikatan Pelajar Muhammadiyah. Perolehan data melalui penyebaran kuesioner yang diberikan kepada seluruh responden kemudian dianalisis dengan menggunakan teknik analisis regresi linier sederhana. Berdasarkan hasil penelitian menunjukkan bahwa siswa yang aktif dalam organisasi Ikatan Pelajar Muhammadiyah memiliki pengaruh terhadap prestasi belajar yang diraih siswa di SMP Muhammadiyah 15 Ambulu dengan nilai positif. Hal ini mengindikasikan bahwa semakin aktif siswa dalam organisasi Ikatan Pelajar Muhammadiyah, maka prestasi belajar yang dapat dicapai siswa akan semakin tinggi. Faktor-faktor seperti partisipasi dalam kegiatan ekstrakurikuler, pembinaan karakter, serta pengembangan kepemimpinan dalam Ikatan Pelajar Muhammadiyah diyakini berkontribusi terhadap meningkatnya prestasi belajar siswa di sekolah. Penelitian ini memberikan kontribusi dalam pemahaman tentang pentingnya keaktifan siswa dalam organisasi kemasyarakatan seperti organisasi Ikatan Pelajar Muhammadiyah terhadap prestasi belajar mereka. Implikasi praktis dari penelitian ini adalah perlunya peningkatan peran siswa dalam kegiatan ekstrakurikuler untuk peningkatan prestasi belajar siswa di sekolah. Selain itu, sekolah dapat lebih memperhatikan pengembangan kepribadian dan keterampilan siswa melalui kegiatan organisasi siswa untuk mendukung pencapaian prestasi belajar yang optimal.
Pengaruh Motivasi Terhadap Kinerja Pegawai Negeri Sipil Pada Dinas Kearsipan dan Perpustakaan Daerah Kabupaten Paser Dedy Darmawan; Istiana Agustika Anandy; Amir Hamzah; Ismail Ismail; Shalahuddin
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 1 No. 3 (2021): November : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaem.v1i3.12

Abstract

The study uses a quantitative data analysis approach used with SPSS. The sample in the study was 36 people. The purpose of this study is 1). To analyze the influence of motivation consisting of physiologic needs, security needs, social needs, reward needs, and self-actualization needs have simultaneous and partial influences on Employee Performance 2). To analyze the motivation variables studied, which are between physiologic needs, security needs, social needs, reward needs, and the dominant self-actualization needs for Employee Performance. The results showed that: 1). Simultaneously and partially a strong relationship between motivational variables consisting of physiologic needs, security needs, social needs, reward needs, and self-actualization needs with the performance of Civil Servants in the Archivist Office and Paser District Library. 2). Partial test results showed that social needs exerted a dominant influence, evidenced by a calculated value of 2,414 greater than other variables.
Wephouria Fest 2026 di Tanah Grogot sebagai Bisnis Bazaar-Cultural Event Ibnu Khayath Farisanu; Wahyudi Wahyudi; Syifi Fauziah; Dedy Darmawan; Indri Farradina; Rusmiati Rusmiati
ASPIRASI : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat Vol. 4 No. 3 (2026): Mei : ASPIRASI : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat
Publisher : Asosiasi Periset Bahasa Sastra Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/aspirasi.v4i3.2693

Abstract

The paradigm shift in higher education requires universities to act as nodes for regional economic growth through experiential learning models. This community service (PkM) program aims to reconstruct a youth cultural event into an institutionally designed bazaar-cultural event to accelerate the capacity of student startup entrepreneurs. The program was integrated into the Wephouria Fest 2026 at STIE Widya Praja Tanah Grogot, Paser Regency, involving alliance consisting of academic institutions, student bodies, alumni, and cross-sector corporate sponsors. The method applied combined community education, interactive mentoring, and institutional space policy facilitation through three phases: situation analysis, clinical on-site mentoring, and mixed-methods outcome evaluation. The results indicated that the program successfully transformed the campus courtyard into a functional "living laboratory" and inclusive trading circuit. Academic intervention effectively reduced students' financial anxiety and significantly improved their financial literacy, with 88% of student entrepreneurs successfully generating simple profit-loss financial statements and managing cash flows under crowded event risks. Furthermore, the festival generated a substantial local economic multiplier effect through direct transactions at student stalls. This program proves that community-based event management can be utilized as a legitimate experiential learning instrument to foster independent young entrepreneurs in rural regions