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All Journal FIAT JUSTISIA: Jurnal Ilmu Hukum Indonesia Private Law Review Buguh: Jurnal Pengabdian Kepada Masyarakat Fox Justi : Jurnal Ilmu Hukum QISTINA: Jurnal Multidisiplin Indonesia Al-Zayn: Jurnal Ilmu Sosial & Hukum Jurnal As-Syar’i: Jurnal Bimbingan & Konseling Keluarga Women, Education, and Social Welfare IJEMA
Siti Nurhasanah
Bagian Keperdataan Fakultas Hukum Universitas Lampung
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Social Sciences

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Problematika Perlindungan Hukum Pemberi Dana dalam perjanjian pendanaan pada Fintech P2P Lending Ronaldo Nababan; Kasmawati; Moh. Wendy Trijaya; Siti Nurhasanah; Dora Mustika
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 4 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i4.7699

Abstract

Penelitian ini bertujuan menganalisis problematika perlindungan hukum bagi pemberi pinjaman terhadap penerapan klausula baku dalam perjanjian pendanaan fintech P2P lending di Indonesia serta mengkaji efektivitas pengaturan hukum yang berlaku. Metode Penelitian hukum normatif dengan pendekatan peraturan perundang-undangan (statute approach) melalui analisis terhadap ketentuan hukum perjanjian, perlindungan konsumen, dan literatur ilmiah terkait. Hasil penelitian menunjukkan bahwa perlindungan hukum terhadap pemberi pinjaman belum optimal akibat dominasi penyelenggara dalam penyusunan perjanjian pendanaan, keterbatasan mekanisme pertanggungjawaban atas risiko gagal bayar, serta lemahnya kepastian hukum terhadap posisi lender sebagai pihak yang turut menanggung risiko investasi. Regulasi yang ada telah mengatur prinsip transparansi dan mitigasi risiko, namun belum secara spesifik mengatur pembatasan klausula yang berpotensi merugikan pemberi pinjaman. Oleh karena itu, diperlukan penguatan pengawasan, peningkatan transparansi kontrak digital, dan penyempurnaan regulasi guna menciptakan keseimbangan hukum antara penyelenggara dan pemberi pinjaman.  
Women’s Learning Trajectories and Their Contribution to Family Stability Siti Nurhasanah; Hengzhi Hu; Harwati Hashim
Women, Education, and Social Welfare Vol. 3 No. 1 (2026): January - March 2026 | Women, Education, and Social Welfare
Publisher : WISE Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70211/wesw.3064-2469.344

Abstract

Family stability is increasingly understood as a dynamic outcome shaped by cumulative life experiences rather than static structural conditions. This study examines the contribution of women’s learning trajectories to family stability, conceptualizing learning as a continuous and adaptive process unfolding across the life course. Using a quantitative explanatory design, survey data were collected from 312 adult women actively involved in family functioning. Women’s learning trajectories and family stability were measured as composite variables, and data were analyzed using linear regression and one-way analysis of variance. The results indicate that women’s learning trajectories significantly predict family stability (β = 0.61, p < 0.001), explaining 37% of the variance in the outcome. ANOVA results further reveal significant differences in family stability across low, moderate, and high learning trajectory groups, with the highest stability observed among women with sustained learning engagement over time. These findings provide empirical support for life-course perspectives on learning, demonstrating that cumulative learning experiences among women play a central role in sustaining family stability. The study contributes to research on gender, education, and family by offering a trajectory-oriented quantitative approach with implications for lifelong learning and family-centered policy interventions.
Penentuan Batas Dewasa dalam Peralihan Hak Atas Tanah Berdasarkan KUHPerdata dan Surat Edaran Menteri ATR/KA.BPN Nomor 4/SE/I/2015 Khalusha Aulia; Mohammad Wendy Trijaya; Nenny Dwi Ariani; Kasmawati Kasmawati; Siti Nurhasanah
As-Syar i: Jurnal Bimbingan & Konseling Keluarga  Vol. 8 No. 1 (2026): As-Syar’i: Jurnal Bimbingan & Konseling Keluarga
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/as.v8i1.11087

Abstract

Law Number 5 of 1960 on Agrarian Principles and its related rules define land rights transfer as transferring ownership or control over land. The transfer of ownership rights raises questions about the minimum age to establish a legal entity. In land services, the age of majority is 18 or after marriage, under Circular Letter of the Minister of Agrarian Affairs and Spatial Planning/National Land Agency Head 4/SE/I/2015. In contrast, Article 330 of the Criminal Code defines adulthood at 21 or marriage. These discrepancies in rules create legal confusion for legal organisations who transfer land rights between 18 and 21. The researcher employed a normative legal method to evaluate Indonesian land transfer law and legal certainty among 18–21-year-olds. According to research, a property Deed Official (PPAT) is a public official authorised to issue deeds of transfer of ownership in Indonesia, and all property rights transfers must comply with the UUPA and its laws. In land services, Circular Letter of the Minister of Agrarian Affairs and Spatial Planning/Head of the National Land Agency (BPN) No. 4/SE/I/2015 is legally binding. When legally mature people transfer land rights according to procedures, their actions are valid and binding. This circular meets the public's land service needs without court orders.
Pengaruh Faktor Fiskal, Demografi, Ekonomi, dan Tata Kelola Pemerintah terhadap Kemandirian Fiskal Provinsi di Pulau Jawa dan Sumatera Tahun 2018–2025 Siti Nurhasanah; Heru Wahyudi; Vitriyani Tri Purwaningsih; Marselina; Prayudha Ananta
Indonesian Journal of Economics Management and Accounting Vol. 3 No. 7 (2026): IJEMA - Juli 2026
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

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

Abstract

Kemandirian fiskal merupakan indikator penting dalam menilai keberhasilan implementasi desentralisasi fiskal karena menggambarkan kapasitas pemerintah daerah membiayai fungsi-fungsi pemerintahan secara mandiri. Namun, tingkat kemandirian fiskal pemerintah antar provinsi di Pulau Jawa dan Sumatera masih menunjukkan perbedaan yang dipengaruhi oleh kapasitas fiskal, aktivitas ekonomi, karakteristik demografis, dan tata kelola pemerintahan. Tujuan penelitian ini adalah untuk menganalisis pengaruh Pendapatan Asli Daerah (PAD), Dana Bagi Hasil (DBH), jumlah penduduk, Produk Domestik Regional Bruto (PDRB), dan anti korupsi terhadap tingkat kemandirian fiskal tingkat pemerintah provinsi di Pulau Jawa dan Sumatera periode 2018–2025. Penelitian menggunakan pendekatan kuantitatif dengan analisis regresi data panel pada 16 provinsi. Hasil penelitian menunjukkan bahwa PAD, jumlah penduduk, dan PDRB berpengaruh positif dan signifikan terhadap kemandirian fiskal, sedangkan DBH berpengaruh negatif dan signifikan. Sementara itu, anti korupsi yang diproksikan menggunakan Monitoring Center for Prevention (MCP) berpengaruh negatif namun tidak signifikan. Temuan ini menunjukkan bahwa peningkatan kemandirian fiskal lebih ditentukan oleh optimalisasi potensi ekonomi dan pendapatan asli daerah dibandingkan ketergantungan pada transfer pemerintah pusat
Co-Authors Bagas Setiawan Depri Liber Sonata Dianne Eka Rusmawati Dianne Eka Rusmawati Dita Febrianto Dora Mustika Dora Mustika Elly Nurlaili Harsa Wahyu Ramadhan Harsa Wahyu Ramadhan Harwati Hashim Hengzhi Hu Ilhami Sefira Lestari Izqo Seprian Maki Kasmawati Kasmawati Kasmawati Khalusha Aulia Livia Antonia Marselina Moh. Wendy Trijaya Mohammad Wendy Trijaya Muhammad Al Fatih Muhammad Khairil Akbar Nenny Dwi Ariani Novia Dwi Ramadhanella Prayudha Ananta Rastra Ananda Rohaini Rohaini Ronaldo Nababan Sayyidah Sekar Dewi Kulsum Selvia Oktaviana Sepriyadi Adhan S Shalina Shazfa Azzahra Sunaryo Sunaryo Vitriyani Tri Purwaningsih Yulia Kusuma Wardani Yulia Kusuma Wardani