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PERJANJIAN KREDIT ANTARA BANK DENGAN PELAKU USAHA KECIL DAN MENENGAH DALAM MENINGKATKAN PEREKONOMIAN MASYARAKAT: Ahmad Munawir Siregar admin, admin; Hariz Hamdallah, Muhammad Andika
Reformasi Hukum Vol 23 No 1 (2019): June Edition
Publisher : Fakultas Hukum Universitas Islam Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46257/jrh.v23i1.58

Abstract

Many small and medium business actors (UKM) in Indonesia still find it difficult to get capital from banks, because they do not understand the contents of the agreement and do not have collateral. The formulation of this research problem is how the credit agreement between the bank and SME actors, and the purpose of the study is to obtain information about the credit agreement between the bank and the actor. Use can provide information to Small and Medium Enterprises (SMEs) Research methods are normative juridical. The results showed that the implementation of the agreement carried out by BRI KCP Jati Asih could not be separated from the provisions of the Civil Code. Even though the credit agreement is not clearly regulated in the Civil Code, but the elements of the credit agreement cannot be separated from the provisions contained in the Civil Code. The agreement entered into by the bank with SMEs uses a standard contract. With a standard agreement, there is an imbalance in the position between the bank and the debtor, and also the clauses in the agreement are burdensome to the debtor. The conclusion that in the implementation of bank credit always follows the principle of prudence, this is to prevent bad credit. To foster and enhance these beliefs, banks always use the 5C principle analysis, namely character, capacity, capital, collateral and condition of economy.
KEBERADAAN INSTRUKSI PRESIDEN SEBAGAI PRODUK HUKUM DI INDONESIA: Ali Marwan Hsb admin, admin; Hariz Hamdallah, Muhammad Andika
Reformasi Hukum Vol 23 No 1 (2019): June Edition
Publisher : Fakultas Hukum Universitas Islam Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46257/jrh.v23i1.59

Abstract

The use of the indigenous by the Governor of the Special Capital Region of Jakarta raises pros and cons. This is related to the Presidential Instruction Number 26 of 1998 on Stopping the Use of Indigenous and Non-Indigenous Terms. So that this paper will be examined in relation to the existence of presidential instructions. Based on the search, it was found that the president's instructions were not legislation. The presidential instruction is only a policy that is guiding, gives policy direction and regulates the implementation of duties and work. So that there is no type of sanction that can be given if the instruction is violated. Therefore, if later the material from the presidential instruction was deemed worthy of being maintained and still needed, it was suggested that the content material be included in the content of the law. Thus, it has more binding legal force and sanctions can be included for those who violate these provisions
THE TRUTH AND DARE TECHNIQUE TO EMBED WRITING AND INTERPERSONAL SKILLS admin, admin
SELL (Scope of English Language Teaching, Linguistics, and Literature) Journal Vol. 11 No. 1 (2026): SELL Journal
Publisher : Penerbit STKIP PGRI Bangkalan

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Abstract

Writing and interpersonal skills are two essential abilities that complement each other in effective communication. However, many students in English courses still face difficulties in expressing ideas in writing and interacting confidently. This study aims to describe the implementation of the Truth and Dare technique in integrating students’ writing and interpersonal skills at an English course in Bangkalan. The research employed a qualitative method with a case study design. Data were collected through observation, interviews, and documentation. Research instruments included observation checklists, interview guides, and written documentation. The findings revealed that the Truth and Dare technique enhanced students’ learning motivation, encouraged logical thinking, strengthened collaboration, and created an enjoyable learning atmosphere. Students demonstrated improved ability to construct coherent sentences, express personal ideas honestly, and build positive interactions with peers. This technique proved effective in combining writing instruction with the development of interpersonal skills in a creative and interactive learning environment.
TEACHING SPEAKING SKILL USING SPINNING WHEEL GAME IN SENIOR HIGH SCHOOL admin, admin
SELL (Scope of English Language Teaching, Linguistics, and Literature) Journal Vol. 11 No. 1 (2026): SELL Journal
Publisher : Penerbit STKIP PGRI Bangkalan

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Abstract

Students in Senior High School still have some difficulty in speaking English language fluently. The researcher of this study research the student’s speaking skill by using the Spinning Wheel Game media. In this study, the researcher used qualitative method with case study design. The researcher focuses on the student’s fluency in speaking English language. The primary data of this study is from the observation and the result of interview, meanwhile the secondary data is from books, journal, personal document, and official written documents. The instrument of this study are field note observation, interview guide, and documentation. The purpose of this study is to know the use of the Spinning Wheel Game in teaching speaking skill and the student’s response in using Spinning Wheel Game. The result of this study showed that Spinning Wheel Game helps students in the class. the students were active, enthusiastic, focused to the material and comprehend the material well. The Spinning Wheel Game media also helps students in speak English language in terms of their fluency and their confidence.
News ringkasan statistik kemunculan simbol dalam togel online berbasis teragol: k kemunculan simbol dalam togel online berbasis teragol admin, admin
Tourism, Hospitality And Culture Insights Journal Vol 5 No 1 (2025): Tourism, Hospitality And Culture Insights Journal
Publisher : Politeknik Pariwisata Medan

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Abstract

Penelitian ini bertujuan untuk menganalisis tren permainan slot online di tahun 2026. Metode yang digunakan adalah analisis data pengguna dari beberapa platform digital. Hasil menunjukkan peningkatan minat sebesar 35% pada game berbasis mobile. Kesimpulannya, perkembangan teknologi mobile menjadi faktor utama dalam pertumbuhan industri ini.
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Tourism, Hospitality And Culture Insights Journal Vol 5 No 1 (2025): Tourism, Hospitality And Culture Insights Journal
Publisher : Politeknik Pariwisata Medan

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Abstract

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Cara Menyusun Strategi Slot Online Berbasis Pengalaman: Cara Menyusun Strategi Slot Online Berbasis Pengalaman admin, admin
Tourism, Hospitality And Culture Insights Journal Vol 1 No 1 (2026): Tourism, Hospitality and Culture Insights Journal (THCIJ)
Publisher : Politeknik Pariwisata Medan

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Pelajari cara menyusun strategi slot online berbasis pengalaman untuk meningkatkan peluang menang di permainan kasino favorit Anda.
AGEN777 Agen777 Banjir Wild Tanpa Pola Effect Lebih Intens: Agen777 Banjir Wild Tanpa Pola Effect Lebih Intens admin, admin
TEHBMJ (Tourism Economics Hospitality and Business Management Journal) Vol 1 No 01 (2026): Articles
Publisher : Politeknik Pariwisata Medan

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Abstract

AGEN777 | Daftar Slot Online Resmi Keamanan Data Terjamin AGEN777 | Bandar Bola Kesempatan Emas Prediksi Parlay AGEN777 | Situs Gacor Slot Online Link Terpercaya AGEN777 | Situs Gacor Slot Online Link Terpercaya AGEN777 | Situs Gacor Slot Online Link Terpercaya AGEN777 | Situs Gacor Slot Online Link Terpercaya Agen777 Banjir Wild Tanpa Pola Effect Lebih Intens
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TEHBMJ (Tourism Economics Hospitality and Business Management Journal) Vol 1 No 01 (2026): Articles
Publisher : Politeknik Pariwisata Medan

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Abstract

<!doctype html> body{ -webkit-animation:none; -moz-animation:none; -ms-animation:none; animation:none } Situs Slot Gacor Online Currency IDR Profitabel LOGIN DAFTAR © Patent By AGEN777 2025-2026 ♕ All Rights Reserved | SEO DEFACER ♕
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Tourism, Hospitality And Culture Insights Journal Vol 1 No 1 (2026): Tourism, Hospitality and Culture Insights Journal (THCIJ)
Publisher : Politeknik Pariwisata Medan

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Co-Authors .BAHAR, BAHARUDDIN A.A. Ketut Agung Cahyawan W Abd. Rasyid Syamsuri Abdul Jabbar A., Lukman Abdullah, Nerpin Abdur Rohim ACH. SYAMSUL ASKANDAR Adam Latif, Muhammad Rusdi Adnan Buyung Nasution Akhmad, Zaenal Alimuddin, Asriani Alva Japa, Hyronimus Edi Amin, M. Sukron Ariesta, Nadhya Theressiana Arijanti, Sri B, Sofian Bachtiar Bachtiar Badi’atul Azmina Bagu, Noval Bayu Islam Assasaki Biroum R, Raden Diani Octaviyanti Handajani Dyah Fitri Mulati Dylantasi, Aynis Erfina, Lukman Eryanto, Arief Fathul Qorib Fikruzzaman, Daden Firmansyah, Rizqy Fitri Yuliastuti Setyoningsih Fitriah Fitriah Fitrotun Nisak Gapmelezy, Ezzy gapmelezzy, ezzy Haninun Hariz Hamdallah, Muhammad Andika Haryanto Atmowardoyo, Haryanto Hasan Basri Hasana, Nur Ihsani Hasanudin, Nurullah Herawati, Arita Herman Syah Hermawan , Hermawan, Nur Sefa Arief HS, Syarifuddin Husain, uriah Fadliah Ilham Arfian, Ilham Irfan Baihaqi Irianti, Irianti Isa Indrawan, Muhammad Ismawati Ismawati Jamal, Moh. Yusup Saepuloh Jefriyanto, Jefriyanto Kahfi, Nazih Sadatu Khairul Insan, Mochamat Nurdin, Khoiriyah, Hikmatul Kholidaziah, Kholidaziah Khoriyah, Siti Khotimah Mahmudah Khusnul Hitaminah Kurnia, Sinarianda Lion, Eddy Lismiati M. Hidayat Maharisa, Yeni Maliana, Andesia Mariam, Erma Maryani, Yani Masril Masril Mayunita, Abela Miftakhul Himawan Moh. Babur Rizki Moh. Rizki Sapta Gunawan MOHAMMAD ANTON SURYADI Monas, Normalina MUHAMAD DLUHA Muhammad Habibi Muhammad Hendra Muhammad Rusdi Muhammad Takdir, Muhammad Muhammad Zainal Muliati Muliati, Muliati Noni, Nurdin Nuddin, Nuddin Nugroho, Bastianto Nuraeni, Rikeu Siti Nurlaelah Nurlaelah, Nurlaelah Nurma Hidayati Oktaviani, Eka Titin Pratiwi Putri, Dian Utama Primasari, Sefria Indah Puloo, Karmila Puspasari, Ike Hesti Putri Qomariyah Dewi Kumala Rahayu, Ria Muji Rahayu, Sari Rahmania, Irma Rasyid, Sriyanti Redowati, Tusi Eka Ridmadhanti, Suci Risa Mundari Rita, Agatha Rimba Angga Roesli, M. Rohman, Mohammad Aenur rubiyad, adib Rudi Cahyono Ruminingsih, Ruminingsih Salindri, Yossinta Salsabila, Unik Hanifah Samsul Huda Saragih, Medy Oktalina Shinta , Arundati Siti Khoiriyah Sofy, Malik Sudasiyah Sulhairi Sumarni, Ai Laila Suryaningsih, Dwie Retna Syafitri, Nuriza Syafi’i, Ahmad Syamsiah Hasyim, Hasdinawati, Syamsuddin, Wahyuddin Zuhri AK, Tahir, Supratman Tolapa, Minarni TRI SUSANTI Wardatul Muniroh Laili Saiful Wazid Husni, Muhammad Wijaya, Vega Alif Wirda Ayu Putri Yuliastuti Setyoningsih, Fitri Yully, Made Yustianti, Surti Zuhri AK, Wahyuddin