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FAKTOR-FAKTOR YANG MEMPENGARUHI KREDIT MACET PADA UNIT SIMPAN PINJAM (USP) MEKAR MAJU KECAMATAN RUPAT UTARA KABUPATEN BENGKALIS Riswadi Riswadi; Mayes Anthony; Richard Rahmat
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 8, No 1 (2021): (Januari - Juni)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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Abstract

This study aims to determine the factors that influence bad credit in the Mekar Maju Savings and Loan Unit (USP) in Rupat Utara District, Bengkalis Regency. The research location is in Tanjung Medang Village, Rupat Utara District, Bengkalis Regency towards the Mekar Maju savings and loan unit (USP) The data used in this study are primary data obtained from questionnaires distributed to 62 respondents. The dependent variable in this study is bad credit (Y). while the independent variables in this study are income (X1), sales (X2) and time period (X3). This type of research is quantitative research and analyzed using multiple linear regression analysis with SPSS-24 program. From the research results obtained income, sales and time period significantly affect bad loans. Partially income, sales and time period have a negative and significant effect on bad loans.Keywords: Bad Credit, Income, Sales and Term
Urgency Of Filling The Legal Gaps in Preventing Contract Marriages Ubaidilah Ishaq; Riswadi Riswadi
Mahkamah : Jurnal Riset Ilmu Hukum Vol. 2 No. 1 (2025): Januari : Mahkamah : Jurnal Riset Ilmu Hukum
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/mahkamah.v2i1.422

Abstract

This research examines the issue of contract marriages in Indonesia, focusing on the legal gaps that result in uncertainty and negative impacts on women and children. Despite the increasing prevalence of contract marriages, there is no clear regulation in the Marriage Law or criminal law governing this practice, placing individuals involved in vulnerable positions, especially women who are often victims of exploitation and violence. Through an analysis of existing regulations and their impact on social structures, this study highlights the need for legal reform, including the revision of Law No. 1 of 1974 on Marriage and the formulation of specific legislation to prohibit contract marriages. This research also recommends strengthening the oversight system, law enforcement, and providing protection services for women and children to create a safer and more equitable environment.
Strengthening Police Ethics by Optimizing the Ethics Commission's Role as Guardian of Good Governance Principles Annisa Erikha; Riswadi Riswadi
Mahkamah : Jurnal Riset Ilmu Hukum Vol. 2 No. 3 (2025): Juli : Mahkamah : Jurnal Riset Ilmu Hukum
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/mahkamah.v2i3.1036

Abstract

The code of ethics is an essential instrument in maintaining professionalism, integrity, and accountability within an institution, including the Indonesian National Police (Polri). As part of the effort to enforce ethical standards within the police force, the Police Code of Ethics Commission (KKEP) plays a role in ensuring that each police officer performs their duties in accordance with applicable legal and moral norms. The role of the KKEP becomes highly relevant in the context of good governance, where the principles of transparency, accountability, and the supremacy of law must be the primary foundations of government administration, including within the police system. This study conducts a normative juridical analysis of the role of the Police Code of Ethics Commission in realizing good governance within Polri. A normative juridical approach is used to examine the legal aspects regulating the authority and working mechanisms of the KKEP, by reviewing various regulations, such as the Chief of Police Regulation on the Police Profession Code of Ethics, as well as other legal documents. Additionally, this research also refers to the concept of good governance developed in the study of administrative law and public policy. Through this research method, the study will discuss how the structure and authority of the KKEP are designed to uphold police ethics, as well as how the implementation of the code of ethics can contribute to increasing public trust in the police institution. Therefore, this study is expected to provide a deeper understanding of the position and strategic role of the KKEP in ensuring the professionalism and integrity of Polri members in supporting the principles of good governance in Indonesia.
Harmonization of National and International Laws in Disclosing Transnational Drug Networks Involving Child Couriers Through Money Laundering Yudi Bintoro; Riswadi Riswadi
Jembatan Hukum : Kajian ilmu Hukum, Sosial dan Administrasi Negara Vol. 3 No. 2 (2026): Juni : Jembatan Hukum : Kajian ilmu Hukum, Sosial dan Administrasi Negara
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/jembatan.v3i2.3114

Abstract

Transnational drug crimes develop in the form of adaptive, organized networks that exploit vulnerable groups, including children, as couriers. Law enforcement practices in Indonesia are dominated by an actor-based approach that focuses on field perpetrators based on Law Number 35 of 2009, while the asset tracking and confiscation instruments in Law Number 8 of 2010 have not been systematically optimized. At the same time, the principle of the best interests of children in Law Number 11 of 2012 has not been consistently integrated into organized drug cases. This study aims to analyze the paradigm disharmony between the narcotics regime, the money laundering regime, and the child protection regime, and to formulate an integrative model for dismantling transnational drug networks involving children. The method employed normative legal research with a legislative, conceptual, and comparative approach to international instruments, such as the United Nations Convention against Transnational Organized Crime and the United Nations Convention against Illicit Traffic in Narcotic Drugs and Psychotropic Substances. The study's findings demonstrate that a misalignment in legal philosophies leads to the criminalization of child couriers and the failure to optimize financial dismantling strategies, allowing networks to persist despite the arrest of perpetrators. The proposed reconstruction emphasizes a shift toward a network-based approach, mandatory parallel financial investigations, and the recognition of children as victimized actors within the structure of organized crime.