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All Journal Jurnal Ilmiah Hukum dan Dinamika Masyarakat Lex Renaissance Martabe : Jurnal Pengabdian Kepada Masyarakat Jurnal Hukum Ekonomi Syariah Pekobis : Jurnal Pendidikan, Ekonomi, dan Bisnis Jurnal Al Azhar Indonesia Seri Ilmu Sosial Jurnal Mandala Pengabdian Masyarakat Jurnal Idea Hukum Parta: Jurnal Pengabdian Kepada Masyarakat Jurnal Interpretasi Hukum Az Zarqa': Jurnal Hukum Bisnis Islam JIPRO : Journal Of Intellectual Property DFAME Digital Financial Accounting Management Economics Journal Perwira Journal of Economics and Business (PJEB) Perwira Journal of Community Development (PJCD)
Ulya, Widadatul
Universitas Perwira Purbalingga
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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The Impact of the Job Creation Law's Implementation on Business Legality Compliance and MSME Resilience: Dampak Implementasi Undang-Undang Cipta Kerja terhadap Pemenuhan Legalitas Usaha dan Resiliensi UMKM Ulya, Widadatul; Afifah, Hana
Lex Renaissance Vol. 11 No. 1 June 2026
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JLR.vol11.iss1.art1

Abstract

Law Number 6 of 2023 concerning Job Creation plays a pivotal role in promoting the development of micro, small, and medium enterprises (MSMEs) through simplified licensing and business facilitation schemes. Despite these regulatory reforms, the implementation process continues to encounter significant challenges, particularly in ensuring MSME compliance with business legality requirements. In Central Java, a substantial number of MSMEs remain non-compliant due to limited legal literacy and low awareness among business actors. Such conditions undermine MSME resilience due to national economic fluctuations and external shocks, including the COVID-19 pandemic. This study investigates the impact of the Job Creation Law on the fulfillment of business legality requirements and its implications for MSME resilience in Central Java. Employing a qualitative normative-empirical approach, this research integrates primary data obtained through observations and interviews with secondary data derived from legal documents and supporting literature. The findings indicate that the implementation of the Job Creation Law has contributed to a measurable improvement in MSME legal compliance. A policy implementation strategy involving collaboration between MSME Facilitators and Halal Product Processing (PPH) Facilitators has proven effective in improving legal literacy and encouraging business legality management. Strengthened business legality compliance further contributes to MSME resilience by fostering legal certainty, minimizing legal risks, and reinforcing the institutional MSME ecosystem. Consequently, the implementation of the Job Creation Law demonstrates a direct and positive influence on the sustainability and resilience of MSMEs in the region.
PELATIHAN MEDIA DIGITAL DALAM PEMASARAN PARIWISATA DAN PEMAHAMAN PENTINGNYA LEGALITAS HUKUM PIRT PADA PRODAK UMKM : STUDI KASUS DESA WISATA CIKAKAK R. Satria Setyanugraha; Widadatul Ulya
Perwira Journal of Community Development Vol 2 No 2 (2022)
Publisher : Unperba Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54199/pjcd.v2i2.120

Abstract

Pelatihan ini membahas media digital di bidang pariwisata yang mengangkat unsur-unsur lingkungan sebagai daya tariknya. Konsep back to nature memiliki potensi yang sangat besar untuk mendatangkan wisatawan mancanegara sebagai penghasil devisa bagi negara. Desa Wisata Cikakak juga dikembangkan untuk menarik wisatawan nasional untuk meningkatkan pendapatan daerah. Tujuan dari penelitian ini adalah untuk memahami penggunaan media digital dalam komunikasi pemasaran di Desa Wisata Cikakak serta implikasinya. Metode yang digunakan adalah metode kualitatif dengan pendekatan studi kasus. Pengumpulan data dilakukan melalui wawancara mendalam, observasi dan studi literatur. Hasil penelitian menunjukkan bahwa komunikasi pemasaran tentang Desa Wisata Cikakak menarik dan mampu meningkatkan pengetahuan dan ketertarikan orang untuk datang. Melalui media digital diunggah berbagai informasi untuk memasarkan Desa Wisata Cikakak yang layak dikunjungi. Penggunaan beragam platform digital yaitu facebook, Instagram dan Youtube untuk memasarkannya dinilai efektif karena mampu menyebarkan konten yang cukup memberikan gambaran tentang Desa Wisata Cikakak, dan memiliki kemasan konten yang menarik karena terdiri dari beragam format baik teks, foto maupun video. Semakin banyak orang yang berkunjung baik internasional, nasional dan lokal, dan berkembangnya bentuk-bentuk wisata yang ditawarkan merupakan salah satu bukti efektivitas komunikasi pemasaran yang diperoleh. Keberhasilan komunikasi pemasaran yang dilakukan tidak saja memberi banyak peluang bagi pengembangan Desa Wisata Cikakak dan masyarakat sekitarnya akan tetapi juga menghadirkan tantangan terkait keberadaan dan dampaknya pada masyarakat maupun keberlangsungannya. Terdapat tantangan terkait dengan kebersihan dan keberlanjutan lingkungan, keterbatasan guide untuk memandu wisatawan asing, serta kesadaran masyarakat menghindari konflik terkait dengan isu ekonomi dan perbedaan pandangan dalam memahami keberadaan Desa Wisata Cikakak serta implikasinya pada masyarakat dan lingkungannya.
PERLINDUNGAN KONSUMEN DALAM PERKEMBANGAN FINANCIAL TECHNOLOGY DI INDONESIA Widadatul Ulya
Perwira Journal of Economics & Business Vol 2 No 1 (2022)
Publisher : UNPERBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54199/pjeb.v2i1.80

Abstract

Financial Technology or commonly called Fintech makes it easier for people to buy and sell, one of which is buying and selling on e-commerce. Fintech provides various conveniences for creating accounts and transacting. The features provided is very varied, ranging from payment services, loans, installments, pay later (pay later). Fintech has contributed positively to the economic growth of 0.45% and gross domestic product (GDP) of more than Rp. 60 trillion, during the pandemic. These advantages and conveniences have an impact on consumer carelessness, so that many consumers are caught in the case. Illegal Fintech Lending and theft of personal data. Thus, it is very important to have legal protection for Fintech consumers. This study uses a normative juridical method, by collecting secondary data. Furthermore, the data were analyzed using a statutory approach and with a qualitative normative analysis method. The results of the study show that consumer protection for Financial Technology is carried out in a preventive and repressive manner. It is carried out preventively through laws and regulations and repressively carried out by the organizers and the OJK.
STUDI PERBANDINGAN PERLINDUNGAN HUKUM DALAM TRANSAKSI TABUNGAN EMAS DIGITAL PLUANG DAN INDOGOLD: Studi Perbadingan Pada Aplikasi Pluang dan Indogold Widadatul Ulya; Hana Afifah; R. Satria Setyanugraha
Perwira Journal of Economics & Business Vol 3 No 01 (2023)
Publisher : UNPERBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54199/pjeb.v3i01.177

Abstract

The interest of the Indonesian people to save gold digitally is getting higher, amid the rise of illegal digital financial institutions. PT PG Berjangka sells Digital Gold Savings products through the Pluang, while PT Indogold Solusi Gadai through the Indogold. PT PG Futures has been registered with CoFTRA and the Futures Clearing House, but PT Indogold Solusi Gadai has not been registered with CoFTRA and also with the Futures Clearing House, even its registered status with the OJK is no longer valid and it is recommended to apply for a permit to the OJK under another work unit. Therefore, researchers are interested in conducting research on legal protection in digital gold savings transactions. This study uses an empirical juridical approach. From the results of the study, it was concluded that the laws and regulations in Indonesia had preventively provided legal protection in Pluang and Indogold digital gold saving transactions. However, Indogold consumers do not get the protection as referred to in the CoFTRA Regulation concerning Technical Provisions for the Implementation of the Digital Gold Physical Market on the Futures Exchange.
KETIKA INFLASI DAN KETIDAKPASTIAN MENEKAN: REFLEKSI DOOM SPENDING DAN PENTINGNYA LITERASI EKONOMI Shella Rizqi Amelia; Lik Anah; Widadatul Ulya
Perwira Journal of Economics & Business Vol 5 No 2 (2025)
Publisher : UNPERBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54199/pjeb.v5i2.589

Abstract

The phenomenon of doom spending, or impulsive consumption behavior as an emotional escape, has become increasingly prevalent amid global economic uncertainty. Economic crises, high inflation, and job insecurity are key drivers of irrational consumer behavior. This study aims to systematically review the literature examining the relationship between macroeconomic pressures, doom spending behavior, and the role of economic literacy as a mitigation tool. Using a systematic literature review approach, this research analyzes scholarly articles published between 2018 and 2025 from reputable sources. The findings indicate that macroeconomic pressure significantly contributes to doom spending behavior, and economic literacy plays an essential role in shaping rational consumer decision-making. However, economic literacy alone is insufficient without self-regulation and digital awareness of consumerist influences. This study highlights the urgency of enhancing economic literacy programs that are adaptive to digital challenges and macroeconomic dynamics. Keywords: doom spending, economic literacy, macroeconomic pressure, consumer behavior, literature review
Co-Authors Agustin Riyan Pratiwi Almas Rifqi Darmawan Aulia Nisa Khusnia, Aulia Nisa Aulia Nisa’ Khusnia Aulia Nisa’ Khusnia az-zarqa, az-zarqa Cahyani, Anggun Lintang Sedya Diky Faqih Maulana Diky Dyah Awaliyah Mar'ah Hana Afifah Hana Afifah, Hana Hasibuan, Reza Rahmadi Kinasih, Arinda Sekar Lik Anah Lik Anah Nesti Utami Pambudi, Lintang Ario Pratiwi, Agustin Riyan Pratiwi, Agustin Ryan R. Satria Setyanugraha Rindang Pambudi, Fajar Rizkiyani, Yanuar Fatma Sandi, Kurnia Sekar Waskitho Agung Setyanugraha, R. Satria Shella Rizqi Arfianti, Shella Rizqi Utami, Nesti Widiyanti, Nofalia Yuliantika, Dewi