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Jaminan Kredit Pada Perjanjian Kredit Sindikasi Susilowati Susilowati
JURNAL HUKUM, POLITIK DAN ILMU SOSIAL Vol. 1 No. 1 (2022): Maret: JURNAL HUKUM, POLITIK DAN ILMU SOSIAL
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jhpis.v1i1.1757

Abstract

Credit Guarantee in the Syndicated Bank Credit Agreement is the most important guarantee in the Syndicated Credit Agreement which is the main discussion in this Legal Writing. The method that the author uses in this legal research is normative juridical, where the documents used as guidelines in the preparation are primary legal documents and secondary legal documents. The Credit Guarantee in the Syndicated Credit Agreement that I will use is a credit guarantee with concession rights which includes toll road concession revenues, escrow accounts, and insurance claims. The Credit Guarantee is important to cover or guarantee the Creditors in the Syndicated Bank in the event of a default or bad credit or default from the Debtor. Collateral as regulated in Law number 7 of 1992 concerning Banking as amended by Law number 10 of 1998 concerning Amendments to Law number 7 of 1992 concerning Banking, guarantee is defined as "faith in faith and ability and ability of the customer or debtor to pay off the debt or return the financing as agreed. Credit guarantees (debts) as regulated in article 1131 of the Civil Code are "all objects of the debtor, both movable and immovable, both existing and those that will exist in the future, become dependents for all individual engagements". The credit guarantee that will be discussed in this legal writing is the credit guarantee in the Syndicate Credit Agreement or syndicate loan in the form of concessions. Concession is the granting of rights, permits, or land by the Government, companies, individuals, or other legal entities. The granting of concession rights is generally applied to the development of partnerships between the government and the private sector. Syndicated credit is one of the types of credit, but the difference in Syndicated Loans is related to the number of creditors. In the Syndicated Credit Agreement, the creditor is more than one creditor. The discussion of Syndicated Credit Guarantee that will be discussed in this legal writing is the Credit Guarantee in the Syndicated Credit Agreement between PT. JJP with PT. BNI Bank, PT. Bank Mandiri, PT. Bank BRI and PT. Bank BPD Central Java in terms of the construction of the Semarang Toll Road. The object of the Credit Guarantee in the Syndicated Credit Agreement in the form of Concession Rights which is not a fiduciary or mortgage must be made in the agreement related to the risks that will occur as a result of the syndicated credit agreement, especially on the guarantee so that no party is harmed from the syndicated credit agreement and development can run smoothly. In this regard, the Government should always be innovative towards legal regulations in line with development progress so that they do not become legal problems in the future.
Kebutuhan Psiskososial dan Spiritual terhadap Motivasi Pasien Kanker Payudara dalam Menjalani Kemoterapi Susilowati Susilowati; Silvia D.M. Riu; Ismawati Ismawati
Antigen : Jurnal Kesehatan Masyarakat dan Ilmu Gizi Vol. 3 No. 2 (2025): Antigen : Jurnal Kesehatan Masyarakat dan Ilmu Gizi
Publisher : LPPM STIKES KESETIAKAWANAN SOSIAL INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57213/antigen.v3i2.662

Abstract

Breast cancer patients who are undergoing chemotherapy need positive support to further motivate them in dealing with the treatment. Patients undergoing long-term chemotherapy treatment tend to be more susceptible to compliance problems because they often feel bored to continue undergoing treatment and ultimately do not comply with the treatment. The type of research uses a quantitative analytical research design with a cross-sectional approach. Population and sample, the population in the study of patients undergoing chemotherapy in the Delima room and Irina A room with a Purposive sampling technique with the Slovin formula.The results of respondents based on low psychosocial needs (24.1%) and high Psychosocial Needs (75.9%) and the odd Ratio value = 17.1 was obtained. Which shows that if psychosocial needs are high, patients get motivation in undergoing chemotherapy. While in low Spiritual Needs (25.9%) and high spiritual needs (74.1%) which shows that if spiritual needs are high, patients get motivation in undergoing chemotherapy. Based on the Chi-Square test, it can be concluded that p = .001 < a = 0.05. The conclusion in this study is the relationship between Analysis of psychosocial and spiritual needs and patient motivation in undergoing chemotherapy at Prof.DR.RD. Kandou Manado General Hospital.
THE INFLUENCE OF DIGITAL-BASED STUDENT MANAGEMENT ON THE DEVELOPMENT OF STUDENT INTERESTS AND TALENTS Susilowati Susilowati; Diana Evawati; Yunus Karyanto; Rina Asmaul
Indonesian Journal of Education (INJOE) Vol. 5 No. 3 (2025)
Publisher : CV. ADIBA AISHA AMIRA

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

Abstract

This study aims to examine the effect of digital-based student management on the development of students' interests and talents through a literature review. Digitalisation in student management facilitates data management, accelerates communication between schools, students, and parents, and expands students' access to various self-development programmes. The results of the study indicate that the application of information technology in student management can improve administrative efficiency, monitoring transparency, and student participation in extracurricular activities. In addition, a data-driven approach enables schools to design more targeted and measurable interest and talent development programmes. However, challenges such as the digital divide and limited technological competence among educators still need to be addressed. Overall, digital-based student management has great potential to support the optimal development of students' interests and talents, provided that it is supported by continuous evaluation and collaboration among all relevant parties.
Pengukuran Kinerja Keuangan Pemerintah Desa Menggunakan Analisis Value for Money di Desa Pasirnangka Sri Pujiyanti; Susilowati Susilowati; Erni Yulianti
JUMBIWIRA : Jurnal Manajemen Bisnis Kewirausahaan Vol. 4 No. 3 (2025): Desember : Jurnal Manajemen Bisnis Kewirausahaan
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/jumbiwira.v4i3.3177

Abstract

This study aims to measure the financial performance of the Pasirnangka Village Government for the 2020–2024 period using the Value for Money (VfM) approach, which includes three main indicators: economy, efficiency, and effectiveness. The study uses secondary data obtained from the Village Budget Realization Report (LRA) of Pasirnangka Village and is analyzed descriptively using ratio calculations in accordance with Minister of Home Affairs Regulation No. 600.900.327 of 1996. The results indicate that, in general, the financial performance of Pasirnangka Village is effective and efficient. However, the economic aspect faced challenges in 2022 and 2024. The inefficiency in 2022 was due to a new policy under the Regent Regulation of Tangerang No. 37 of 2022, which required the budgeting of the Decent Housing Program (RTLH) that was not anticipated in the initial APBDes. In 2024, rising inflation caused prices of goods and services to exceed budgeted amounts. Nevertheless, efficiency and effectiveness remained maintained, with revenue generally meeting or exceeding targets. These findings highlight the importance of accurate and adaptive budget planning in response to changing conditions and new policies. The study recommends several strategic steps to improve village financial performance, including enhancing budget planning accuracy, anticipating new policies, and adjusting projections for goods and services prices. Implementing these recommendations can ensure the sustainability of Pasirnangka Village’s financial performance, support effective, efficient, and economical use of the budget, and maintain optimal public service delivery. This study contributes valuable insights for village financial management and serves as a reference for other villages to systematically apply Value for Money analysis to increase transparency and accountability.
The Role of Family Eating and Activity Habits in the Relationship Between Parenting and Feeding Practices on Child Eating Behavior Nadirawati, Nadirawati; Chatarina Suryaningsih; Felina C. Young; Hartiah Haroen; Susilowati Susilowati
Media Publikasi Promosi Kesehatan Indonesia (MPPKI) Vol. 8 No. 9: SEPTEMBER 2025 - Media Publikasi Promosi Kesehatan Indonesia (MPPKI)
Publisher : Fakultas Kesehatan Masyarakat, Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/mppki.v8i9.7900

Abstract

Introduction: Nutritional problems in children, including underweight and stunting, remain a global health challenge, particularly in Indonesia. This study examines the influence of parenting styles and feeding practices on children's eating behavior, with family eating and activity habits as a mediating variable Methods: A cross-sectional survey design was employed in this study, involving 225 mothers of stunted and underweight children aged 2–5 years in Cimahi City, Indonesia. The study investigated key variables including parenting styles, feeding practices, family eating and activity habits, and children’s eating behavior. Data were gathered using validated questionnaires and analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach. This analytical technique enabled the examination of complex causal relationships and latent constructs, including mediation pathways. The research complied with ethical standards and received approval from the Health Research Ethics Committee of the Faculty of Health Science and Technology, Jenderal Achmad Yani University, Cimahi, on May 31, 2024 (Certificate No. 086/KEPK/FITKes-Unjani/2024). Results: The results showed that parenting styles (? = 0.222, t = 3.630, p < 0.001) and feeding practices (? = 0.243, t = 3.640, p < 0.001) significantly influenced children's eating behavior. Family eating and activity habits significantly mediated the relationship (? = 0.448, t = 6.401, p < 0.001). Feeding practices and parenting styles also predicted family habits (f² = 0.369 and 0.462, respectively). Conclusion: These findings highlight the importance of family eating habits in shaping children's eating behavior and addressing malnutrition and stunting. Thus, family-based interventions are needed to improve healthy feeding practices and promote positive eating behavior in children at risk of malnutrition in Indonesia, aiming to achieve zero stunting and malnutrition.