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Analisis Yuridis Terhadap Instansi Pendidikan Yang Melakukan Penahanan Ijazah Menurut Hukum Perdata Keppy, Christmas Petra; Adrini, Shaina Subha; Loren, Medina; Ariana, Jessica; Nurdiannisa, Alifa; Yuli, Yuliana
Media Hukum Indonesia (MHI) Vol 2, No 3 (2024): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.11746682

Abstract

This study examines the practice of withholding diplomas by educational institutions from legal, sociological, and philosophical perspectives. Diploma withholding is often implemented by schools as a means to enforce tuition payment, but this practice raises legal and ethical controversies. This research employs a literature study method with a descriptive-analytical approach to analyze the legal basis for diploma withholding, its impact on students' rights, and its relation to Sustainable Development Goals (SDGs) Number 4 on quality education. The findings indicate that withholding diplomas without clear legal grounds violates students' rights and can negatively affect educational access equality. Diploma withholding also exacerbates social and economic disparities. Therefore, legal advocacy and policy changes are needed to ensure that diploma withholding is conducted in accordance with legal provisions and justice principles.
Podcast Sebagai Media Literasi Hukum: Analisis Podcast Sebagai Media Dalam Memahami Nilai-Nilai Bela Negara Oleh Generasi Muda di Indonesia Sheila, Eirene Eva Marta; Fadilah, Fatma Putri; Putri, Maria Sylvia; Nuhi, Muhammad Hanan; Jeconia Hia, Javier Artarindo; Manullang, Halim; Tampubolon, Bona J.; Keppy, Christmas Petra; Puspitarini, Nabilah
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 2, No 12 (2025): July 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

In today’s digital era, legal literacy among young people remains relatively low, despite the increasing accessibility of digital media. This article aims to analyze how podcasts can serve as an effective medium for legal literacy, particularly in promoting awareness of national defense values. This study adopts a qualitative method with a content analysis approach. The data source is taken from the podcast episode on the Endgame YouTube channel featuring Prof. Mahfud MD as a guest speaker. Data collection was conducted through a listening and note-taking technique to identify key legal and national messages conveyed in the podcast. The results show that podcasts are capable of delivering legal and national issues with a casual yet substantial communication style, making the content more accessible and relevant to young audiences. Moreover, podcasts encourage listeners to think critically, participate actively, and foster a sense of justice and legal awareness. Therefore, podcasts have the potential to serve as alternative media for enhancing legal literacy and strengthening national defense consciousness in the digital era.
Legal Protection for MSMEs as Borrowers in Peer-to-Peer Fintech Lending under on OJK Regulation Number 77/POJK.01/2016 Keppy, Christmas Petra; Meliala, Aurora Jillena
Jurnal Ilmiah Dunia Hukum VOLUME 10 ISSUE 1 OCTOBER 2025
Publisher : PDIH Untag Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/jidh.v10i1.6778

Abstract

The development of fintech Peer-To-Peer (P2P) lending services in Indonesia has opened up faster, more flexible, and affordable access to financing for Micro, Small, And Medium Enterprises (MSMEs), but has also given rise to problems of high interest rates, over-indebtedness, and imbalances in borrower bargaining power compared to providers. This study examines the form of legal protection for MSMEs as borrowers in fintech P2P lending services based on POJK Number 77/POJK.01/2016 and the development of interest limit regulations through the AFPI code of ethics, SEOJK Number 19/SEOJK.06/2023, and POJK Number 4/2024. The method used is normative legal research with a normative juridical approach, based on analysis of laws and regulations, literature, and secondary data related to P2P lending practices. The results show that POJK 77/2016 initially only provided preventive and repressive protection based on transparency and complaint mechanisms without explicit interest limits, so it is insufficient to suppress excessive interest practices and total costs. The shift to price-based regulation through formal interest caps strengthens legal protection for MSMEs by limiting the maximum daily economic benefit and total costs, reducing the risk of predatory practices and over-leverage, while maintaining P2P lending’s role as an alternative source of financing for MSMEs.