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All Journal Transmisi: Jurnal Ilmiah Teknik Elektro Journal of Business and Management SOSIALITAS (Jurnal Ilmiah Pend. Sos-Ant) TRANSIENT: Jurnal Ilmiah Teknik Elektro Diponegoro Journal of Accounting SWARA - Jurnal Antologi Pendidikan Musik Jurnal Online Mahasiswa (JOM) Bidang Teknik dan Sains Jurnal Ilmiah Mahasiswa FEB Finesta Jurnal Plans : Penelitian Ilmu Manajemen dan Bisnis Professional : Jurnal Komunikasi dan Administrasi Publik Jurnal The Messenger Jurnal Teknik Sipil Jurnal Ilmiah Ekonomi Islam Jurnal Pemberdayaan Masyarakat Madani (JPMM) Biosfer: Jurnal Pendidikan Biologi International Humanities and Applied Science Journal JKTP: Jurnal Kajian Teknologi Pendidikan Spektra: Jurnal Fisika dan Aplikasinya TOTOBUANG Jurnal Tata Kelola dan Akuntabilitas Keuangan Negara Scientific Journal of Reflection : Economic, Accounting, Management and Business JOURNAL EQUITABLE JURNAL PENDIDIKAN TAMBUSAI Ensiklopedia of Journal Jurnal Manajemen Informatika Jurnal Mandiri Almana : Jurnal Manajemen dan Bisnis JURNAL KAJIAN TEKNIK MESIN M A T H L I N E : Jurnal Matematika dan Pendidikan Matematika Jurnal Review Pendidikan dan Pengajaran (JRPP) Dinasti International Journal of Management Science Dedikasi: Jurnal Pengabdian Masyarakat Besaung : Jurnal Seni Desain dan Budaya Jurnal JTIK (Jurnal Teknologi Informasi dan Komunikasi) JPPS (Jurnal Penelitian Pendidikan Sains) Pekobis : Jurnal Pendidikan, Ekonomi, dan Bisnis Parameter Jurnal of Applied Multimedia and Networking Community Development Journal: Jurnal Pengabdian Masyarakat Infotech: Journal of Technology Information Jurnal Ilmu Manajemen Terapan (JIMT) Bertuah : Jurnal Syariah dan Ekonomi Islam Buletin Poltanesa International Journal of Economy, Education and Entrepreneurship (IJE3) International Journal of Engagement and Empowerment (IJE2) Arkus Juwara : Jurnal Wawasan dan Aksara Transekonomika : Akuntansi, Bisnis dan Keuangan Unram Journal of Community Service (UJCS) Jurnal IPTEK Bagi Masyarakat Review of Multidisciplinary Education, Culture and Pedagogy (ROMEO) Jurnal Manajemen Journal of Education Research Jurnal Ilmiah Perlindungan dan Pemberdayaan Sosial (Lindayasos) International Journal of Multidisciplinary Research and Literature (IJOMRAL) Jurnal WIDYA LAKSMI (Jurnal Pengabdian Kepada Masyarakat) Jurnal Hasi Penelitian Dan Pengkajian Ilmiah Eksakta - JPPIE Jurnal Abdimas Perbanas Journal of Economics Research and Policy Studies Environmental Engineering Journal ITATS Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP) CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Jurnal Multidisipliner Bharasa Edukasia: Jurnal Pendidikan dan Pembelajaran Anoa: Journal of Animal Husbandry Al Lughawiyaat Journal of Education Technology Information Social Sciences and Health Jurnal Pengabdian Masyarakat Innovative: Journal Of Social Science Research Notary Law Journal TOFEDU: The Future of Education Journal Inspiration: Jurnal Teknologi Informasi dan Komunikasi Prosiding SEMNAS INOTEK (Seminar Nasional Inovasi Teknologi) NAJAHA IQTISHOD : Journal of Islamic Economic and Finance Scientica: Jurnal Ilmiah Sains dan Teknologi Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi JRIIN :Jurnal Riset Informatika dan Inovasi Cendikia: Jurnal Pendidikan dan Pengajaran International Journal of Applied Research and Sustainable Sciences (IJARSS) Jurnal Asimilasi Pendidikan Healthy Behavior Journal Jurnal Pengabdian Masyarakat Nian Tana Jurnal Pengabdian Bidang Kesehatan JPM MOCCI : Jurnal Pengabdian Masyarakat Ekonomi, Sosial Sains dan Sosial Humaniora, Koperasi, dan Kewirausahaan Science Information System and Technology Journal of Automotive Technology Vocational Education Jurnal Pengabdian kepada Masyarakat : Kreasi Mahasiswa Manajemen Journal of Intelligent Networks and IoT Global Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Health Community Service Gotong Royong Seminar Nasional Riset dan Teknologi (SEMNAS RISTEK) Ulil Albab Jurnal Online Skripsi Manajemen Rekayasa Konstruksi (JOS-MRK) Jurnal Pengabdian Masyarakat (Jubdimas) Artikula Jurnal Tiyuh Lampung: Pendidikan Bahasa dan Kebudayaan Magenta Journal De Healthymedi
Aditya Pratama
Fakultas Ekonomi dan Bisnis Universitas Udayana
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RESEARCH BOOTCAMP STATE UNIVERSITY OF JAKARTA WITH UNIVERSITY MALAYSIA SABAH IN ACCESSING INDEXED JOURNALS, PARAPHRASING, GRAMMAR CHECKING, AND REFERENCE MANAGEMENT Sumiati, Ati; Pratama, Aditya; Puruwita, Dita; Zahra, Siti Fatimah; Andy, Andy; Armeliza, Diah; Yusuf, Muhammad; Syalsabila, Anis; Mufidah, Chusnanik; Maharani, Diva
International Journal of Engagement and Empowerment (IJE2) Vol. 4 No. 3 (2024): International Journal of Engagement and Empowerment
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ije2.v4i3.163

Abstract

Higher education institutions are under increasing pressure to produce globally competitive graduates by significantly increasing their research output and scientific publications, thus strengthening and enhancing their academic reputation and social impact. Yet, lecturers and students at the service location must gain skills in research-supporting software, scientific writing, and literature searching. Therefore, the State University of Jakarta and the University Malaysia Sabah jointly organize a research boot camp to address the rising demand for research competence and international publications in higher education by equipping participants with essential research skills. The Research Bootcamp Training aims to enhance research competency among students by providing online training in accessing indexed journals, paraphrasing, grammar checking, and reference management using relevant software. This program seeks to assist students at partner institutions in writing and publishing academic articles. With this activity, more students can publish their scientific work in national and international journals indexed by Scopus and Web of Science, thus improving the quality of research in Indonesia. In addition, this activity is expected to encourage the birth of a generation of young researchers who are productive and able to produce quality scientific works relevant to current problems
Geochemical and Magnetic Suseptibility Analysis for Critical Minerals Detection in Igneous Rocks and Beach Sand Hariyanto, Yensi; Zulaikah, Siti; Hapsoro, Cahyo Aji; Maulida, Shofi; Zakly, Hanif 'Izzudin; Muztaza, Nordiana Mohd; Suadi, Daeng Achmad; Pratama, Aditya; Hamdi, Hamdi
Spektra: Jurnal Fisika dan Aplikasinya Vol. 9 No. 3 (2024): SPEKTRA: Jurnal Fisika dan Aplikasinya, Volume 9 Issue 3, December 2024
Publisher : Program Studi Fisika Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/SPEKTRA.093.04

Abstract

Critical minerals are an important natural resource that will continue to be necessary for modern industries. This study aims to determine the distribution of critical minerals based on geochemical data and magnetic susceptibility. Samples were taken from Lenggoksono beach, Southern Malang. The determination of chemical elements was conducted using X-ray fluorescence (XRF). Rare Earth Elements (REE) were identified using Inductively Coupled Plasma–Optical Emission Spectrometry (ICP-OES). Magnetic susceptibility measurements were carried out using a Barrington Magnetic Susceptibility Meter (MS2B). The results showed that the dominant elements were Silica Oxide, SiO2 (70 Wt%), Iron Oxide, Fe2O3 (14.05 Wt%), and Calcium Oxide CaO (5.57 Wt%), which were categorized as critical minerals. The average REE elements detected were Cerium, Ce (6.75 mg/kg), Gadolinium, Gd (5.98 mg/kg), Neodymium, Nd (13.56 mg/kg), Praseodymium, Pr (6.62 mg/kg), Terbium, Tb (5.57 mg/kg), and Yttrium, Y (10.98 mg/kg). The magnetic susceptibility ranges from 13.27 to 4143.47 × 10-8m3/kg. Pearson’s Correlation analysis revealed a significant correlation between low-frequency magnetic susceptibility (ꭓlf) and high-frequency magnetic susceptibility (ꭓhf) with a significance level of 0.01. ꭓlf and ꭓhf also showed a significant correlation with Gd, with a correlation value of R² = 0.84 and a significance level of 0.05. These results indicate that the presence of one critical mineral can serve as a clue to the presence of other critical minerals, and magnetic susceptibility can be used as a proxy indicator for critical minerals in natural materials.
Enhancing Student Comprehension of Islamic Investment and Capital Market with PJBL Approach Pratama, Aditya; Aprizal, Yusuf Zaini
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.12685

Abstract

The low level of financial literacy among the populace has resulted in many individuals falling victim to fraudulent investment schemes. Therefore, there is a crucial need for all segments of society, including the academic community, to play a role in enhancing investment literacy. The implementation of Project Based Learning (PBL) within the Investment and Sharia Capital Market course has demonstrated its effectiveness in equipping students with the knowledge, skills, and practical experience necessary to navigate the complexities of Islamic finance. By aligning course objectives with real-world applications and leveraging student autonomy and engagement, the PBL approach has empowered students to become agents of change in society. Through their participation in the course, students have not only gained a deep understanding of Sharia-compliant investment principles but have also developed critical analytical skills and practical experience in navigating the capital market. This multifaceted approach has prepared them to become consultants and researchers capable of promoting ethical and sustainable investment practices within society.
BENTUK PELANGGARAN PENGGUNAAN BAHASA INDONESIA PADA NAMA TEMPAT DI BSD-GADING SERPONG TANGERANG Fauzi, Aziz -; Pratama, Aditya; Fajrin, Verawati
TOTOBUANG Vol. 12 No. 1 (2024): TOTOBUANG: EDISI Juni 2024
Publisher : Kantor Bahasa Provinsi Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26499/totobuang.v12i1.530

Abstract

Abstract This study discusses the use of Indonesian in public spaces. In accordance with Law No. 24 of 2009 concerning Flag, Language, and State Emblem and National Anthem, the Indonesian language is mandated for use in public spaces. One such application is in place naming, including residential complexes and shophouses. This regulation is designed to position Indonesian as the state and national language, thereby playing a crucial role in its implementation across all sectors. The objective of this study is to describe the phenomenon of deviations from the standard use of Indonesian in the names of residential complexes and shophouses. This study employed a qualitative research method. The use of qualitative methods to provide ease for researchers in analyzing the presented data. The data comprised the names of housing complexes and shophouses located in the BSD-Gading Serpong area, Tangerang. Data were collected using document analysis and recording techniques. Once the data is collected, the researcher reduces the data and then analyzes it. Upon data collection, a process of data reduction was undertaken followed by analysis. The findings revealed a prevalent use of foreign language vocabulary in the names of privately-developed housing complexes and shop houses. These foreign languages included English, Italian, French, and Brazilian indigenous language (Tupi). Keywords: deviation of Law No. 24 of 2009, Indonesian language use, public space, housing and shophouse names Abstrak Penelitian ini membahas penggunaan bahasa Indonesia di ruang publik. Sesuai dengan Undang-Undang No. 24 Tahun 2009 tentang Bendera, Bahasa, dan Lambang Negara, serta Lagu Kebangsaan, bahasa Indonesia seharusnya dapat diterapkan di ruang-ruang publik. Salah satunya adalah aturan pemberian nama pada tempat, seperti nama pada perumahan dan ruko. Hal itu diatur guna memosisikan bahasa Indonesia sebagai bahasa negara dan nasional sehingga memiliki peran penting dalam menerapkan bahasa Indonesia di segala sektor. Tujuan penelitian ini adalah untuk mendeskripsikan fenomena dari penyimpangan penggunaan bahasa Indonesia pada nama perumahan dan ruko. Metode pada penelitian ini menggunakan metode kualitatif. Penggunaan metode kualitatif untuk memberikan kemudahan peneliti dalam menganalisis data yang disajikan. Data yang peneliti gunakan adalah nama-nama perumahan dan ruko yang ada di wilayah BSD-Gading Serpong, Tangerang. Pengumpulan data menggunakan teknik dokumen dan teknik catat. Setelah data terkumpul peneliti mereduksi data tersebut, kemudian menganalisisnya. Ketika data terkumpul, peneliti menganalisis dan menarik simpulan dari analisis tersebut. Hasil penelitian menunjukkan bahwa masih banyak penggunaan kosakata yang berbahasa asing pada nama perumahan dan ruko yang dibangun oleh swasta. Penggunaan bahasa asing tersebut di antaranya adalah penggunaan bahasa Inggris, bahasa Italia, bahasa Prancis, dan bahasa Brazil. Kata Kunci: pelanggaran Undang-Undang No. 24 Tahun 2009, penerapan bahasa Indonesia, ruang publik, nama perumahan dan ruko
Efektivitas Pelaksanaan Program Penghapusan Sanksi Administrasi Denda Pajak Kendaraan Bermotor pada Unit Pelaksana Teknis Samsat Palu Pratama, Aditya; Rivai, Abdul; Nawawi, Muh
Journal of Education Technology Information Social Sciences and Health Vol 4, No 1 (2025): March 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jetish.v4i1.5076

Abstract

This study aims to determine the effectiveness of the implementation of the Program for the Elimination of Administrative Sanctions for Motor Vehicle Tax Fines in the Technical Implementation Unit of Samsat Palu. This study uses a method with descriptive qualitative data. The data obtained in this study are from the results of observations, interviews, and documentation. The data analysis methods are Data Collection, Data Condensation, Data Presentation, and Conclusion/Verification Drawn. The results of this study showthat the Effectiveness of the Implementation of the Program for the Elimination of Administrative Sanctions for Motor Vehicle Tax Fines at the Technical Implementation Unit of Samsat Palu has not been carried out effectively, this is due to the lack of achievement of the effectiveness indicators used in this study, based on the Achievement of Objectives indicator seen from the first aspect, namely, the Realization of Tax Revenue Targets has not been effective judging from the achievements of the three-year realization presentation last. Furthermore, based on the Integration indicator, it is seen from the first aspect, namely Coordination. From the results of the study, it is known that from the aspect of coordination internally and externally, it has not been effective. Second, Socialization. As for those related to the implementation of socialization with taxpayers, it has been carried out effectively. Adaptation indicators, seen from the aspect of Tax Collection Apparatus Resources, are inadequate. Second, Tax Collection Facilities, especially those related to the System Application, have not been optimized so that the management of tax revenue data and information has not been effective. Similarly, field operational support facilities have not been available as needed, the Third Tax Collection Mechanism, where it is known that at the time of the Elimination of Motor Vehicle Tax Fines and the exemption of Motor Vehicle Name Return Duty for the management of UPTB Region I Palu tax collection is not optimal because it does not have a Standard Operating Procedure (SOP) set and still uses SOPs as usual as regulated in regulations.
THE INFLUENCE OF FINTECH, SOCIAL MEDIA AND E-COMMERCE ON INCREASING UMKM INCOME IN BONTANG CITY, EAST KALIMANTAN sulaiman, sulaiman; Rahim, Abd; Pratama, Aditya; Firmannudin, Firmannudin
Jurnal Manajemen Vol 13 No 1 (2025): Jurnal Manajemen
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36546/jm.v13i1.1561

Abstract

Abstract: MSMEs play a crucial role in Indonesia's economy, including in Bontang City, East Kalimantan. In the digital era, the use of financial technology (Fintech), social media, and e-commerce has the potential to increase MSME income. However, the effectiveness of each technology in supporting MSME growth remains unclear, necessitating further research. This study aims to analyze the impact of Fintech, social media, and e-commerce on the income growth of MSMEs in Bontang City and to identify the challenges faced in adopting digital technology. A quantitative research approach was used, employing a survey method with 393 MSME respondents in Bontang City. Multiple linear regression analysis was conducted to examine the relationship between Fintech, social media, e-commerce, and MSME income. The findings indicate that e-commerce has a positive and significant impact on MSME income growth. However, the use of Fintech and social media does not significantly contribute to increased MSME income. Although social media and Fintech are widely used by MSMEs, their effectiveness in boosting income remains limited. The primary barriers to digital technology adoption among MSMEs in Bontang City include low digital literacy, unequal access to technology, and a lack of understanding of effective digital marketing strategies. E-commerce has proven to be the most effective tool in increasing MSME income compared to Fintech and social media. Therefore, optimizing the use of Fintech and social media and improving digital literacy among MSME players are crucial. Government support in the form of training and digital infrastructure development is also necessary to accelerate MSME digital transformation in Bontang City.
Kampanye Sosial Pemanfaatan Pakaian Lama Dengan Metode Upcycle Kepada Generasi Z Di Kota Palembang Pratama, Aditya; Iswandi, Heri; Dion, Keni
Besaung : Jurnal Seni Desain dan Budaya Vol. 9 No. 1 (2024): Besaung
Publisher : UNIVERSITAS INDO GLOBAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jsdb.v9i1.3782

Abstract

The impact of textile waste is a serious problem for health and the environment. Generation Z often chooses to throw away clothes rather than looking for ways to reuse them and not many are aware that these used items can be recycled into items that have benefits and economic value. Generation Z's lack of awareness of the dangers of textile waste and lack of education about upcycling methods are the main problems in this design. Therefore, it is necessary to design a campaign video that can widely reach Generation Z with the aim of making it easier to provide information about upcycling methods and providing awareness of the dangers of textile waste. The main aim of the design is to provide information about how important it is to use used clothing waste in the city of Palembang, to raise awareness and encourage that used clothing waste can be put to good use. Apart from being useful for protecting the environment, used clothing waste can also produce positive feedback from its use.Keywords : Textile waste, Upcycling, Clothing, Campaign Videos.
Anti-Corruption Training for Guardians of Students of Indonesian Migrant Workers in Malaysia Dwiputri, Inayati Nuraini; Merlinda, Santi; Handayani, Sri; Pratama, Aditya; Zulfia, Binta
Unram Journal of Community Service Vol. 6 No. 1 (2025): March
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i1.773

Abstract

To support the achievement of the quality of the nation's education through higher education, it should be in harmony and synergy with the activities of the Tri Dharma Lecturer. One of the program is international community service. This community service will be applied to the Indonesian worker community under the Indonesian Embassy, Malaysia. The demand for holistic education is increasingly urgent. The young generation, including Generation Alpha, must be equipped with knowledge, skills and strong values to face the increasingly complex challenges of the future. Anti-corruption education is an important aspect of the education process that is often overlooked or lacking in the formal curriculum. The Indonesian workers' community under the Indonesian Embassy in Malaysia is a gathering place for Indonesian families living abroad, with a focus on education and youth development. Parents have a crucial role in shaping their children's education. However, they often need the right guidance and resources to support their children's development in these aspects. Given these conditions, there is a need to maximize the role of parents in anti-corruption education for the Alpha Generation within the Indonesian working community under the Indonesian Embassy in Malaysia. By involving parents in the education process, we can create an environment that supports the full development of children's potential and help them become citizens of the country that have good responsibility and integrity.
Penyuluhan Manajemen Pemasaran Berbasis Online (E-Commerce) Dalam Peningkatan Kapasitas Berbagai Produk Melalui E-Marketplace di Kota Jambi Pratiwi, Heni; Hutabarat, Zuhri Saputra; Parkhurst, Helen; Afrila, Diliza; Aprizal, Yusuf Zaini; Pratama, Aditya; Roihan, Muhammad
JUBDIMAS ( Jurnal Pengabdian Masyarakat) Vol 3 No 2 (2024): Jurnal Pengabdian Masyarakat, September 2024
Publisher : Yayasan Cita Cendikiawan Al Kharizmi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jubdimas.v3i2.347

Abstract

With the rapid development of information technology, many changes have occurred in the way of human life. This requires humans to always adjust their lifestyles to technological developments. All buying and selling activities or transactions carried out using electronic media (internet) in the term e-commerce. The usefulness of information technology is to improve organizational performance, increase the effectiveness and efficiency of time, energy, costs, increase production, promotion and sales. Marketing carried out using internet technology is known as e-marketing. One of the leading products of MSMEs in Jambi Province is Batik. So far, the batik marketing strategy that relies heavily on capital accumulation, protection, and high technology has caused polarization and dualism in the distribution process of Batik in Jambi Province. Therefore, it is necessary to strengthen the marketing capacity of the creative batik industry through e-marketplaces by using them as a forum for interactive electronic business communities that provide a market where batik can be introduced nationally. E-Marketplace is an internet-based online media (web based) where business activities and transactions between buyers and sellers are carried out. Buyers can search for as many suppliers as possible with the desired criteria, so that they get according to market prices. Meanwhile, suppliers/sellers can find out companies that need their products/services. The approach used in this study is the System Development Life Cycle (SDLC) method, a systematic approach to designing/planning, designing, implementing and evaluating a system related to e-market place.
Perlindungan Hukum dan Optimalisasi Dampak Positif Pinjaman Online di Era Digital Aisyah, Nada; Pratama, Aditya; Ngantung, Verra yanti
Notary Law Journal Vol. 4 No. 1 (2025): January-Maret
Publisher : Program Studi Kenotariatan Fakultas Hukum Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32801/nolaj.v4i1.97

Abstract

Layanan Pendanaan Bersama Berbasis Teknologi Informasi (LPBBTI) atau yang dikenal sebagai pinjaman online (fintech lending) merupakan inovasi di bidang keuangan yang mempertemukan pemberi dan penerima dana secara langsung melalui sistem elektronik berbasis internet. Layanan ini berkembang pesat karena kemudahan akses dan proses yang cepat, namun juga memunculkan berbagai permasalahan hukum dan sosial. Permasalahan tersebut terutama muncul dari praktik pinjaman online ilegal yang tidak terdaftar di OJK, seperti bunga tinggi, penyalahgunaan data pribadi, penagihan tidak manusiawi, dan lemahnya perlindungan konsumen. Meskipun pemerintah telah mengeluarkan berbagai regulasi seperti POJK No. 77/2016 dan peraturan-peraturan terkait teknologi finansial, namun masih banyak celah hukum yang belum mampu memberikan perlindungan hukum yang memadai kepada konsumen. Beberapa kelemahan regulasi antara lain tidak adanya standar operasional yang seragam, lemahnya pengawasan terhadap pelaku usaha, serta belum adanya mekanisme perlindungan data dan penyelesaian sengketa yang efektif. Urgensi perlindungan hukum bagi konsumen pinjaman online menjadi semakin penting mengingat tingginya tingkat pengaduan masyarakat. Perlindungan tersebut harus meliputi aspek akses data, batas bunga, kejelasan perjanjian elektronik, serta mekanisme penagihan yang sesuai hukum dan etika. Perlindungan ini juga harus selaras dengan hak-hak konsumen sebagaimana diatur dalam Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen. Diperlukan revisi regulasi secara menyeluruh dan penguatan pengawasan untuk menjamin keadilan serta keamanan konsumen dalam menggunakan layanan pinjaman online di Indonesia.
Co-Authors , Ridhwan Abdul Rivai Abdur Rahman As’ari Achendri M. Kurniawan Afrila, Diliza Agus Surono Agus Wibowo Agustin , Sonya Ahmad Ahmad Ahmad, Rudi Aisyah, Nada Aji, Jaya Aldanny, Talitha Devina Zafirah Alitiani, Mentari Shafa Aliyah, Ulfatul Alvianto, Fidelia Amalia , Syifa Qolbi Amalia Putri Maharani Amertha, Anak Agung Ngurah Putrayoga Andersan, Jonathan Andini, Devi Andy Andy ANGGRAINI, MELISA Anggraini, Theresia Anis Chariri Aprizal, Yusuf Zaini Arfah, Arfah Arianto, Irwan Wijaya Arifianto, Rosandi Arika Fitriani Armeliza, Diah Arpizal Arsyil, Abyan Aslamah, Afidah Nur Astuti, Rima Fuji ATI SUMIATI, ATI Aulia, Karona Aussie Amalia Ayuningtyas, Gilang Azalia, Farah Cantika Baharudin, Puja Cahyani, Mya Christian Wiradendi Wolor Corry Yohana Dean Amri, Ary Delianggi, Rizky Destra, Edwin Dewanto, Paulus Gegana Thery Dewi Cantika, Nourma Islam Dewi Susita Dhanar Intan Surya Saputra Diana, Keni Didit Sumardiyanto Dion, Keni Dita Puruwita, Dita Dwi Yulianinda, Ladonna Dzakiyyah, Aisyah Elfrida Ratnawati Enang Narlan Soetiman AP ENDANG SUSANTINI Erinawati, Erinawati Fadhila, Intan Fadillah, Nadya Fahruddin, A'rasy Fajar Nugroho, Rizky Fajrin, Verawati Fauzi, Aziz Fauzi, Aziz - Fidhyallah, Nadya Fadillah fira, Shafira Firmannudin, Firmannudin Fitrianingtyas, Erissa Gandi, Muhammad Rajib Goutama, Eztro Gunaidi, Farell Christian Gunawan, Libbi Azhafif Hadi Pramono Hamdi Hamdi Handayani, Sri Hapsah , Siti Hapsoro, Cahyo Aji Harahap , Afriandi Hari Santoso Hariyanto, Nurman Hariyanto, Yensi Hartikasari, Annisa Ilma Harya Kuncara Wiralaga Haryanto, Ines Hasim Hasim Hayati, Innisa Kumala Hendra Taufik Henri Nusantara Herlitah Herlitah, Herlitah Hestiningtyas, Annisa Hidayati, Awanis husna, annisa haziah Hutabarat, Zuhri Saputra I Ketut R. Sudiarditha I Wayan Merta Ikawanty, Beauty Anggraheny Ikhsan, Julfahmi Inayati Nuraini Dwiputri Indradewa, Rhian Indrawijaya , Sigit Istiqomah, Nabila Nur Iswandi, Heri Ivani, Kartika Aprilia Jatmiko, Mahardika Rais Khalijah, Rizkika Kosasih, Robert Kuncara W, Harya Kuncara Kurniadi, Vanessa Pascalia Kusniati, Yen Kusnita, Yen Kustiawan, Unggul Leny Yuanita Lubis, Maripah Riana Lubis, Nabilah Fitri LUBIS, PAULINA Maghfirah Maghfirah Maharani, Diva Mahdalina, Mahdalina Malzara, Vidia Ratu Balqis Mardi Mardi Mardi Margareth, Sandra Resta Maudina, Anissa Maulana, Adha Maulida, Shofi Maya Retnasary Meiki Eru Putra Mufidah, Chusnanik Muhammad Priya Permana, Muhammad Priya Muhammad Yusuf Munawar Agus Riyadi Muztaza, Nordiana Mohd Nanang Maulana Nawangsari, Lenny C Nawawi, Muh Ngantung, Verra yanti Nikmah, Mery Jazimatun Ningrum, Fadhilah Atika Nirmalasari, Novita Novanti, Anissa Rizki Novia Sri Dwijayanti Novita Sari Nurcahyani, Sulis Rizkyka Nurida Isnaeni Nurislamiah, Siti Nurul Istiqomah Nuruliza, Safira Nurullita, Dinni Nurzafira, Istiqomah Pambagyo, Ridho Mulyo Parkhurst, Helen Prasetiya, Heppy Yugo Pratiwi, Heni Puji Hastuti Punali, Punali Puti Farida Marzuki, Puti Farida Putra, Heru Soetanto Putri, Nanda Eka Qinanty, Arum Rafiqi Rahim, Abd Rahmad Dian Rahmi Ramadani, Suci Ramadhani Surya, Natasya Ramadhani, Adithya Ramadhina, Yuqa Putri Rani Nur Mayasari Rd. Tuty Sariwulan Riastuti, Ayu Ricky Maulana Fajri Ridhwan Ridhwan, Ridhwan Rizal Fahmi Rizal Fahmi Roihan, Muhammad Rosbandi, Rosbandi Ruray, Irvan Salafuddin Ruslim, Welly Hartono SABILLA, SARAH Safira, Nabela Salamsjah, Salamsjah Salim, Susanto Santi Merlinda Santoso, Alexander Halim Saparuddin Saparuddin Mukhtar Saptono, Ari Saputra, Luqman Saputra, Rivo Sari Rahayu, Dian Sari, Desita Sari, Lena Sari, Tasya Novian Indah Sasmi, Aji Ahmadi Sekar, Ajeng Dzakira Septi Andryana Setia, Nicholas Setyadi, Edi Joko Setyawati, Ariesta Sholihati, Ira Diana Sholikhah Simamora, Yericho Lam Pedro Siti Fatimah Zahra Siti Mawaddah, Siti Siti Nurjanah Siti Zulaikah Soebrata, Linginda Sri Indah Nikensari Suadi, Daeng Achmad Sudirman Sudirman Suhandi, Windi Nursandi Sukaesih, Imas Sulaiman Sulaiman Sulistiyani Sunardi, Hastha Suparno Suparno Suparno SUSAN FEBRIANTINA, SUSAN Sutedja, Gina Triana Syalsabila, Anis Tarafi, Lutifah Nur Tiza, Tiza Anzari Tresnawati, Valentina Ukufah, Nur Aini Aprillia Ultari, Eldisa Prayana Utami, Wanda Yulia Widiyanti, Eka Riana Wijaya, Christian Windiarti, Sofi Winnugroho Wiratman, Manfaluthy Hakim, Tiara Aninditha, Aru W. Sudoyo, Joedo Prihartono Yanto, Sandi Yanuar Rahmat Syah, Tantri Yogi, Namira Dwi Martina Yuli Christiyono Yunieta Anny Nainggolan, Yunieta Anny Zahra, Siti Fatimah Zakaria, Adam Zakiya, Nadiya Fikriyatuz Zakly, Hanif 'Izzudin Zami Aprizal, Yusuf Zuffar Ikhsan Pratama Zulfia, Binta Zulfikar, Benny