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All Journal Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Perkara: Jurnal Ilmu Hukum Dan Politik
Uli Widiriyani
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Evaluasi Kinerja Bank dalam Penyaluran Kredit Kepada Usaha Kecil Dan Menengah (UKM) Irfan Ridha; isma Dwiyanti; Riza Febdillah; Rizandy Marsya; Syirad Syirad; Tika Tika; Uli Widiriyani
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 1 No. 4 (2023): Desember : Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v1i4.422

Abstract

Small and Medium Enterprises (SMEs) play a crucial role in a country's economic growth. Therefore, lending to SMEs is an important element in supporting this sector. This study aims to evaluate bank performance in lending to SMEs, with a focus on efficiency, security and economic impact. This research methodology involves analyzing historical data from a number of banks that are active in supporting SMEs. Data includes the volume of credit disbursed, the interest rate applied, the credit approval process, and the non-performing loan ratio. Apart from that, the economic impact of credit provided to SMEs is also evaluated through business growth, job creation, and contribution to local GDP. The research results show variations in bank performance in lending to SMEs. Certain banks achieve high levels of efficiency in the credit approval and monitoring process, while others may face challenges in managing credit risk. The economic impact of credit to SMEs is positive, with significant business growth and job creation having a positive impact on the local economy.
Perlindungan Konsumen Terhadap Sistem Pengembalian Uang Pada Pelanggan di Industri Retail Meriza Elpha Darnia; Alfani Tiara Azmy; Arifa Fasya; Enjelinda Amelia; Fadhli Maulana; Uli Widiriyani
Perkara : Jurnal Ilmu Hukum dan Politik Vol 1 No 4 (2023): Desember : Jurnal Ilmu Hukum dan Politik
Publisher : Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/perkara.v1i4.1439

Abstract

This research aims to understand how the legal regulations regulate consumer protection in the refund system in the retail industry, as well as to find out and understand the legal impact of the customer refund system in the retail industry. This research uses normative juridical methods. For example, buying and selling transactions require a legal medium of exchange, as regulated in Article 2 paragraph (2) of the Bank Indonesia Law which states that "Rupiah currency is a legal means of payment in the territory of the Republic of Indonesia. Research results show that often, replacing change with candy is carried out by business actors in the retail industry on the grounds that they do not have sufficient change or the stock of coins has run out. However, based on Article 7 letter a in the Consumer Protection Law (UUPK), business actors should have the intention good intentions and positive intentions to give the remaining money back to consumers using rupiah as a means of payment. In accordance with Law Number 7 of 2011 concerning currency, the legal means of payment is basically money and not candy or other forms. Article 21 paragraph 2 also explains that rupiah must be used in settling other obligations that require payment in money, and in other financial transactions that occur in the territory of Indonesia. Therefore, traders or sellers who do not comply with these provisions, based on Article 33 paragraph 1 of the Currency Law, can be subject to a prison sentence with a maximum duration of one year and a maximum fine of IDR 200 million.
Perlindungan Konsumen Terhadap Sistem Pengembalian Uang Pada Pelanggan di Industri Retail Meriza Elpha Darnia; Alfani Tiara Azmy; Arifa Fasya; Enjelinda Amelia; Fadhli Maulana; Uli Widiriyani
Perkara : Jurnal Ilmu Hukum dan Politik Vol. 1 No. 4 (2023): Desember : Perkara: Jurnal Ilmu Hukum Dan Politik
Publisher : Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/perkara.v1i4.1439

Abstract

This research aims to understand how the legal regulations regulate consumer protection in the refund system in the retail industry, as well as to find out and understand the legal impact of the customer refund system in the retail industry. This research uses normative juridical methods. For example, buying and selling transactions require a legal medium of exchange, as regulated in Article 2 paragraph (2) of the Bank Indonesia Law which states that "Rupiah currency is a legal means of payment in the territory of the Republic of Indonesia. Research results show that often, replacing change with candy is carried out by business actors in the retail industry on the grounds that they do not have sufficient change or the stock of coins has run out. However, based on Article 7 letter a in the Consumer Protection Law (UUPK), business actors should have the intention good intentions and positive intentions to give the remaining money back to consumers using rupiah as a means of payment. In accordance with Law Number 7 of 2011 concerning currency, the legal means of payment is basically money and not candy or other forms. Article 21 paragraph 2 also explains that rupiah must be used in settling other obligations that require payment in money, and in other financial transactions that occur in the territory of Indonesia. Therefore, traders or sellers who do not comply with these provisions, based on Article 33 paragraph 1 of the Currency Law, can be subject to a prison sentence with a maximum duration of one year and a maximum fine of IDR 200 million.
Co-Authors Alfani Tiara Azmy Arifa Fasya Darnia, Meriza Elpha Enjelinda Amelia Fadhli Maulana Irfan Ridha isma Dwiyanti Riza Febdillah Rizandy Marsya Syirad Syirad Tika Tika