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All Journal International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ilmu Hukum KYADIREN
Ida Aryati
Universitas Islam Batik Surakarta, Indonesia
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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THE COLLECTION OF SUBSIDIZED LOANS FOR MICRO-ENTREPRENEURS IS IN TERMS OF INTEREST RATES, SERVICE QUALITY AND CREDIT PROCEDURES AT PT. BPR BKK TULUNG PERSERODA KLATEN REGENCY Dinawati Retnaningrum; Bambang Mursito; Ida Aryati
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 6, No 3 (2022): IJEBAR, Vol. 6 Issue 3, September 2022
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v6i3.6171

Abstract

This study aims to determine the effect of interest rates, service quality and credit procedures on taking subsidized credit at PT BPR BKK TULUNG (Perseroda) Klaten Regency. This research method uses a quantitative research design. The population in all customers of micro business actors who take subsidized credit at PT BPR BKK TULUNG (Perseroda) Klaten Regency, amounting to 200 customers The sampling technique used in this study is random sampling technique with a sample of 100 customers. Collecting data by using a questionnaire. The data analysis technique used was statistical analysis, namely multiple linear regression test, F test, t test, and the coefficient of determination. The results showed that interest rates, service quality and credit procedures had a positive and significant effect on taking subsidized credit at PT BPR BKK TULUNG (Perseroda) Klaten Regency. Suggestions from this research, PT BPR BKK TULUNG (Perseroda) Klaten Regency continue to maintain and increase interest rates, service quality and existing credit procedures, so that it will make subsidy credit taking increase and be better than before. Keywords: Subsidized Loans, Interest Rates, Service Quality, Credit Procedures
Legal Certainty in the Enforcement of Online Defamation Following the 2024 Reform of Indonesia's Electronic Information and Transactions Law Sutikni Sutikni; Femmy Silaswaty; Ida Aryati
Jurnal Ilmu Hukum Kyadiren Vol 8 No 1 (2026): Jurnal Ilmu Hukum Kyadiren
Publisher : PPPM, Sekolah Tinggi Ilmu Hukum (STIH) Biak-Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46924/jihk.v8i1.491

Abstract

The rapid expansion of social media has increased online defamation cases and intensified legal uncertainty due to divergent interpretations of Indonesia’s Electronic Information and Transactions (ITE) Law. This study examines the legal boundaries of online defamation under Law Number 1 of 2024 and evaluates its enforcement from the perspective of legal certainty. Using a normative legal research method, the study applies statutory, conceptual, and case-based approaches through the analysis of legislation, legal doctrines, and judicial decisions. The findings show that Article 27A enhances legal certainty by clarifying the constituent elements of the offense, reaffirming the lex specialis derogat legi generali principle, and balancing the protection of reputation with freedom of expression. Effective enforcement requires clear legal norms, consistent judicial interpretation, adequate digital competence among law enforcement authorities, and harmonized institutional practices. The reform represents a significant step toward strengthening legal certainty in addressing online defamation.
Co-Authors Bambang Mursito Dinawati Retnaningrum Femmy Silaswaty Sutikni Sutikni