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AKIBAT HUKUM PERJANJIAN FIDUSIA BAGI MASYARAKAT YANG MENUNGGAK PEMBAYARAN CICILAN Maulana, Muhammad Naufal
Causa: Jurnal Hukum dan Kewarganegaraan Vol. 8 No. 4 (2024): Causa: Jurnal Hukum dan Kewarganegaraan
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3783/causa.v8i4.7396

Abstract

Perjanjian fidusia memiliki peran penting dalam memberikan jaminan hukum kepada kreditur atas hak-hak mereka dalam transaksi pembiayaan. Di Indonesia, pengaturan fidusia didasarkan pada Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia. Dalam konteks ini, fidusia memberikan perlindungan hukum yang memungkinkan kreditur mengeksekusi objek jaminan apabila debitur tidak memenuhi kewajibannya (wanprestasi). Namun, pelaksanaan perjanjian fidusia, terutama dalam kasus keterlambatan pembayaran cicilan, kerap menimbulkan dampak sosial, ekonomi, dan hukum yang signifikan bagi masyarakat. Penelitian ini menggunakan metode kepustakaan dengan pendekatan yuridis normatif untuk menganalisis akibat hukum yang timbul dari perjanjian fidusia. Penelitian ini juga mengeksplorasi dampak sosial dari eksekusi objek fidusia, seperti penyitaan kendaraan atau aset lainnya, yang sering kali menimbulkan konflik antara kreditur dan debitur. Selain itu, penelitian ini menemukan adanya celah dalam implementasi hukum fidusia yang dapat menyebabkan ketidakadilan, terutama bagi kelompok masyarakat ekonomi lemah. Hasil kajian menunjukkan bahwa meskipun perjanjian fidusia memberikan kepastian hukum bagi kreditur, diperlukan penguatan regulasi untuk melindungi hak-hak debitur. Rekomendasi penelitian ini mencakup perlunya peninjauan ulang terhadap mekanisme eksekusi fidusia serta peningkatan edukasi masyarakat mengenai hak dan kewajiban dalam perjanjian fidusia. Dengan pendekatan yang lebih adil, diharapkan perjanjian fidusia dapat berfungsi secara optimal tanpa mengorbankan kepentingan salah satu pihak.Kata Kunci: Fidusia; Hukum; Wanprestasi; Masyarakat
The Relationship Between Knowledge, Income, and Consumption Pattern With Ced Events in Pregnant Women Maulana, Muhammad naufal; Fathurrahman, Fathurrahman; Mas'odah, Siti
Jurnal Riset Pangan dan Gizi Vol. 6 No. 2 (2024): JURNAL RISET PANGAN DAN GIZI (JR-PANZI)
Publisher : Jurusan Gizi Poltekkes Kemenkes Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31964/jr-panzi.v6i2.190

Abstract

In Indonesia, there are many cases of Chronic Energy Deficiency (CED), especially those possibly caused by an imbalance in nutritional intake (energy and protein), so that the nutrients the body needs are not fulfilled. The purpose of this study was to determine the relationship between knowledge, income and consumption patterns with the incidence of CED in pregnant women in the working area of the North Kambat Health Center. This research method uses analytic observational with cross sectional design. The population is all pregnant women in the working area of the North Kambat Health Center and the total sample is 82 people. Defendant variables are the incidence of CED in pregnant women and independent variables are knowledge, income and consumption patterns, taken by means of questionnaires and interviews. Connect data using test Rank Spearman. The results showed that 37.8% of respondents experienced CED and 62.2% did not experience CED. As many as 40.2% of respondents have less knowledge and as many as 36.6% of respondents have sufficient knowledge. Income in the category above averages as much as 39% and with categories below the average as much as 61%. The pattern of consumption in the less category is 54.9% and in the good category is 45.1%. It is expected that pregnant women consume a balanced menu of food in an amount that suits their needs.
Peningkatan Produktivitas UMKM ‘Kopi Thung’ melalui Sinergi Media Sosial dan Media Konvensional Saudah, Saudah; Maulana, Muhammad Naufal; Ismawati, Aini Laila; Aprianto, Rafly
Journal of Indonesian Society Empowerment Vol. 3 No. 1 (2025): June
Publisher : Yayasan Lentera Avanya Nagari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61105/jise.v3i1.159

Abstract

The main challenge for Micro, Small, and Medium Enterprises (MSMEs) is the limited access to knowledge and technology that can support the growth of their businesses. For MSMEs to succeed, they must choose between remaining in the same place or advancing through innovation. This challenge is also faced by the owner of Kopi Thung, an MSME located in Sidoasri Village, Sumbermanjing Wetan, Malang Regency, East Java, Indonesia. The lack of support in these areas led the business to operate in a simple and suboptimal manner. This training, involving six innovative methods, has had a significant positive impact on the small industry, providing new breakthroughs for marketing products. The aim of this training is to create a more advanced impact, helping the business become better known to the outside world and utilizing social media as a modern breakthrough tool, alongside improving the efficiency and appeal of conventional media. The methods used in this training include initial discussions, logo design, packaging design, product photography practice, social media caption writing practice, and social media management training focused on Instagram. As a result of this training, the business owner has become more open to and knowledgeable about marketing products through social media, and the innovations in logo and packaging have become fresher and more up-to-date. Tantangan terbesar bagi pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) adalah terbatasnya akses terhadap pengetahuan dan teknologi yang dapat mendukung pertumbuhan bisnis mereka. Untuk mencapai kesuksesan, UMKM dihadapkan pada pilihan untuk tetap beroperasi dengan cara konvensional atau beradaptasi dengan inovasi baru yang dapat mendorong kemajuan. UMKM Kopi Thung di Desa Sidoasri, Sumbermanjing Wetan, Kabupaten Malang, Indonesia, menjadi contoh nyata bagaimana kurangnya dukungan teknologi menghambat potensi maksimal dari usaha ini. Melalui pelatihan yang melibatkan enam metode inovatif—termasuk desain logo, kemasan produk, fotografi produk, pembuatan caption untuk media sosial, serta pengelolaan media sosial dengan fokus pada Instagram—pelatihan ini berhasil memberikan dampak positif. Hasilnya, pemilik usaha menjadi lebih terbuka terhadap pemasaran digital dan inovasi dalam logo serta kemasan produk, yang membuatnya lebih menarik dan segar. Keberhasilan ini tidak hanya menunjukkan dampak lokal, tetapi juga menggambarkan bagaimana adopsi teknologi digital dapat meningkatkan daya saing UMKM secara global, membuka peluang lebih besar dalam pasar internasional, dan memberi kontribusi pada pengembangan ekonomi yang berkelanjutan.
Comparative Analysis of Homogeneous and Heterogeneous Ensembles for Diabetes Classification Optimization Maulana, Muhammad Naufal; Muljono, Muljono; Meindiawan, Eka Putra Agus
Sinkron : jurnal dan penelitian teknik informatika Vol. 9 No. 1 (2025): Research Article, January 2025
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/sinkron.v9i1.14439

Abstract

Diabetes mellitus is a chronic disease with an increasing prevalence worldwide, including in Indonesia, reaching 11.7% by 2023. Early prediction of this disease is essential for more effective management. This study aims to develop a diabetes mellitus prediction model using an ensemble learning approach, including homogeneous (boosting and bagging) and heterogeneous (stacking and blending) techniques. In this study, the boosting algorithm using AdaBoost with Random Forest as the base estimator showed the highest accuracy of 98%, with balanced precision and recall. The bagging technique, which also uses Random Forest as the base estimator, achieved 97% accuracy, although slightly lower than boosting. The stacking technique, which combines XGBoost, Gradient Boosting, and Random Forest as base learners, with Random Forest as the meta-model, yields similar accuracy of 98%, but with lower prediction error, demonstrating its ability to cope with more complex data. Blending, which uses a similar approach but with training on the entire dataset, gave 98% accuracy with shorter processing time and more efficient memory usage than stacking.
Pendampingan Peningkatan Kapasitas Pencegahan Tengkes Pada Kader Rumah Desa Sehat di Jatisari Jember Falah, Pilar Menara; Azharra, Alifiah Zalika; Fabiyyanza, Ralief Yusrial; Tajriyan, Aynani; WIcaksono, Arif Dwi; Hadziqi, Ilham Fahmi; Abiyu, Nizar Arkana; Suhendro, Joshua Revival; Al-Hasany, Elang Avinindra Virgiananta; Maulana, Muhammad Naufal; Wardhono, Pradipta Pawitradyaka; Wicaksono, Muhammad Iqbal Allun; Aziz, Ayu Munawaroh; Nurdian, Yudha
Jurnal Kreativitas Pengabdian Kepada Masyarakat (PKM) Vol 7, No 9 (2024): Volume 7 No 9 (2024)
Publisher : Universitas Malahayati Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33024/jkpm.v7i9.16718

Abstract

ABSTRAK Desa Jatisari memiliki prevalensi kasus berat bayi lahir rendah dan  pengetahuan pola asuh rendah yang signifikan serta penyakit penyerta penyebab tengkes yang cukup tinggi. Oleh karena itu, tim Program Penguatan Kapasitas Organisasi Kemahasiswaan Badan Eksekutif Mahasiswa Fakultas Kedokteran Universitas Jember melaksanakan pengabdian masyarakat berupa program peningkatan kapasitas kader Rumah Desa Sehat. Upaya tersebut bertujuan untuk membekali pengetahuan dan keterampilan kepada kader kesehatan dalam rangka mengeliminasi tengkes. Program terdiri dari penyuluhan tengkes dan 1000 Hari Pertama Kehidupan, bimbingan teknis Pemberian Makanan Tambahan, pelatihan Perilaku Hidup Bersih dan Sehat, dan bimtek antropometri. Hasil dari kegiatan ini adalah peningkatan pengetahuan dan keterampilan para kader kesehatan mengenai upaya pencegahan dan penanganan serta deteksi dini tengkes. Kesimpulan dari program ini adalah peningkatan kemampuan dan keterampilan kader dalam upaya eliminasi tengkes diharapkan mampu menurunkan angka tengkes di Desa Jatisari. Peningkatan pengetahuan dan keterampilan kader mengenai tengkes masih memerlukan dukungan banyak pihak agar berkelanjutan. Kata Kunci: Kader, Rumah Desa Sehat, Tengkes  ABSTRACT Jatisari Village has a significant prevalence of low birth weight cases and low parenting knowledge and quite high comorbidities causing stunting. Therefore, the Student Organization Capacity Building Program Team of the Student Executive Board of the Faculty of Medicine, University of Jember carried out community service in the form of a program to increase the capacity of Healthy Village House cadres. This effort aims to provide knowledge and skills to health cadres in order to eliminate stunting. The program consists of stunting and the First 1000 Days of Life education, technical guidance on Providing Additional Food, Clean and Healthy Living Behavior training, and anthropometry technical guidance.The result of this activity is an increase in the knowledge and skills of health cadres regarding prevention and handling efforts as well as early detection of stunting. The conclusion of this program is that increasing the ability and skills of cadres in efforts to eliminate stunting is expected to be able to reduce the number of stunting in Jatisari Village. Increasing the knowledge and skills of cadres regarding stunting still requires support from many parties in order to be sustainable Keywords: Cadres, Healthy Village House, Stunting