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All Journal Pena Justisia: Media Komunikasi dan Kajian Hukum Jurnal Yustitia Community Development Journal: Jurnal Pengabdian Masyarakat AJAD : Jurnal Pengabdian kepada Masyarakat Indonesian Research Journal on Education
Fadhilah, Meita
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Religion Arts Humanities Chemistry Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Public Health Social Sciences Other

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Sosialisasi Hukum Perbankan Pembiayaan Kredit Usaha Rakyat (KUR) Bagi Pengembangan UMKM di Desa Kalidungjaya Karawang Fadhilah, Meita; Setiady, Tri; Tahir, Erdin
AJAD : Jurnal Pengabdian kepada Masyarakat Vol. 4 No. 1 (2024): APRIL 2024
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ajad.v4i1.289

Abstract

The People's Business Credit Program is one of the government's programs to increase access to financing for Micro, Small, and Medium Enterprises (MSMEs) which is channeled through financial institutions with a guarantee pattern. The financing distributed by people's business credit comes from banking funds or financial institutions that are people's business credit distributors. The funds provided are in the form of working capital and investment funds which are distributed to individual/individual MSMEs, business entities, and/or business groups who have productive and viable businesses but do not have additional collateral and also do not have good financial records. Even though the government has provided large MSME funds, the public is still unaware of people's business credit distribution. The people's business credit program is still the spearhead of government programs in efforts to expand access to financing for micro, small, and medium enterprises. The main aim of implementing this socialization is for the community to be able to develop their business into a bigger one, have business activities with good financial reports, and have no doubts about applying for people's business credit to the nearest state-owned bank to expand their business.
POLA KEMITRAAN ANTARA PERUSAHAAN MODAL VENTURA DENGAN USAHA MIKRO KECIL DAN MENENGAH UNTUK MENINGKATKAN DAYA SAING USAHA Fadhilah, Meita
Yustitia Vol. 9 No. 1 (2023): Yustitia
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/yustitia.v9i1.170

Abstract

The government's efforts to overcome the difficulties of micro, small and medium enterprises (MSMEs) regarding funding have collided with collateral problems (the banking sector), namely with financing institutions. Financing institutions are believed to be one way to overcome the problems of companies that do not have sufficient assets as collateral for the proposed bank loans. One of the financing institutions that are friends of small entrepreneurs is venture capital or Venture Capital. In general, venture capital financing does not look at collateral belonging to the Business Partner Company. Therefore, Venture Capital Companies are also called long-term investments with the main objective and as compensation for the high risk of the investment is the acquisition of profit, not interest or dividend income
Optimizing the Intellectual Property Rights as Banking Credit Collateral by Art Workers in Karawang Setiady, Tri; Sumartini, R. Siti; Fadhilah, Meita; Tahir, Erdin
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i1.5741

Abstract

As proprietors of Intellectual Property Rights (IPR), creative professionals (designers, creators, and inventors) in Karawang regency own exclusive rights that enable them to independently profit from their works in the form of royalties or licensing. However, in reality, they have difficulties in accessing capital needed to expand their business. Some financial institutions might not accept IPR as collateral for credit even though the law principally states that they are valuable assets and therefore eligible as collateral. Copyright Law No. 28 of 2014 (Article 16) and Patent Law No. 13 of 2016 (Article 108) both permit owners and holders of intellectual property rights to utilize such rights as collateral for loans under a fiduciary arrangement. The laws should apply to copyrights and patents, but so far they haven't, which is a shame because in theory they should. The lack of a change to Article 43 of BI Regulation Number 14/15/PBI/2012, which pertains to the forms of credit collateral, makes it difficult to use intellectual property rights as security for loans. To make the concept relevant, the regulation has to be changed
Perlindungan Kepada Bank Perkreditan Rakyat “X” Selaku Kreditur atas adanya Penerapan Hak Subrogasi pada Kredit Macet Fadhilah, Meita; Apriani, Rani; Heryanto, Nazla Az Zahra
Indonesian Research Journal on Education Vol. 5 No. 4 (2025): Irje 2025
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/irje.v5i4.3226

Abstract

Penerapan hak subrogasi dalam penyelesaian kredit macet merupakan salah satu alternatif hukum ketika debitur meninggal dunia dan tidak memiliki ahli waris golongan pertama dan dalam kondisi demikian, pihak ketiga seperti saudara kandung debitur yang mendapatkan warisan dari debitur dapat menggantikan posisi debitur melalui mekanisme subrogasi. Penelitian ini bertujuan untuk mengkaji bentuk perlindungan hukum terhadap kreditur atas penerapan hak subrogasi dalam kasus kredit macet. Metode yang digunakan adalah yuridis normatif dengan pendekatan perundang-undangan dan konseptual. Hasil penelitian menunjukkan bahwa penerapan subrogasi berpotensi menimbulkan risiko baru jika pihak yang menggantikan tidak mampu memenuhi kewajiban pembayaran dan oleh karena itu, diperlukannya suatu perlindungan hukum yang memadai bagi kreditur melalui klausul perjanjian yang tegas, penilaian kelayakan terhadap pihak penerima subrogasi, serta penerapan prinsip kehati-hatian oleh bank agar hak kreditur tetap terjamin.
SOSIALISASI HUKUM PENDAFTARAN MEREK SERTA STRATEGI PEMASARAN PRODUK UMKM TEMPE BASIAH KHAS KARAWANG Fadhilah, Meita; Taun, Taun; Azzahra, Fatimah
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 3 (2024): Volume 5 No. 3 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i3.29345

Abstract

Hak Kekayaan Intelektual sebagai perlindungan hukum bagi pencipta milik perorangan atau kelompok yang berupaya untuk menghasilkan karya berhak cipta yang bernilai ekonomis serta berguna untuk mengantisipasi dan mencenggah pelanggaran hak kekayaan intelektual orang lain. Pentingnya pendaftaran Merek untuk menghindari adanya kerugian bagi pemilik Merek sebagai orang yang memiliki hak atas brand tersebut. Memiliki merek tersendiri merupakan bagian dari adanya upaya untuk memiliki ciri khas (personal branding) bagi pemilik Usaha Mikro Kecil dan Menengah (UMKM) agar pelaksanaan pemasaran produknya dapat digunakan dalam jangka panjang dan terus menerus. Selain itu pendaftaran merek ini bertujuan untuk melakukan filter produk yang di produksi tersebut memiliki merek serupa ataupun membiarkan orang lain untuk dapat bebas meniru ataupun memalsukan produk yang dibuatnya. Tujuan utama dari adanya pelaksanaan sosialisasi hukum ini untuk membuka wawasan kepada Masyarakat pentingnya melakukan pendaftaran merek dalam pengembangan produk umkm, dan untuk melindungi hak yang dimiliki oleh pemilik hak merek atas kemungkinan kerugian yang mungkin terjadi di kemudian hari.
Co-Authors Fatimah Azzahra Heryanto, Nazla Az Zahra Rani Apriani Sumartini, R. Siti Tahir, Erdin Taun, Taun Tri Setiady, Tri