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Studi Kondisi Lingkungan, Analisis Vegetasi, dan Komponen Ekosistem di Hutan Universitas Diponegoro dan Kebun Pisang Mulawarman Arafat, Septrial; Muhammad Iqbal Fauzan; Hamdi, Rifyal An Nesyafi
Produksi Tanaman Vol. 11 No. 2 (2023): Februari
Publisher : Jurusan Budidaya Pertanian Fakultas Pertanian Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.protan.2023.011.02.03

Abstract

This research was conducted on September 17 2022 in the Diponegoro University Forest and Mulawarman Banana Garden, Semarang. The tools used are raffia rope, scissors, tape measure, ruler, pegs, sticks, digital lux meter, anymetre, stationery and a camera. The materials used were Diponegoro University forest ecosystems and Mulawarman Banana Gardens as objects of observation. The observation method is by making a 20mx25m plot of land, in which a 5mx5m plot is made, and in it a 1mx1m plot is made 3 times. The 20mx25m plot analyzed the number, circumference, diameter, height of trees. 1x1 m plot was made 20cmx20cm plot 5 times, litter thickness was calculated. Plants in a 20m x 25m plot were analyzed for characteristics, biotic and abiotic factors present in Forest Ecosystems and Monoculture Ecosystems. The results of the research on abiotic factors show differences in temperature, humidity, intensity of solar radiation inside and outside the shaded area. The purpose of this research is to understand the difference in the amount of carbon sequestration at the research location.
Analisis Yuridis Perlindungan Hukum terhadap Lender sebagai Akibat dari Gagal Bayar yang Dilakukan oleh Borrower pada Fintech P2P Lending Muhammad Iqbal Fauzan
Konstitusi : Jurnal Hukum, Administrasi Publik, dan Ilmu Komunikasi Vol. 2 No. 3 (2025): Konstitusi : Jurnal Hukum, Administrasi Publik, dan Ilmu Komunikasi
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/konstitusi.v2i3.1003

Abstract

The rapid development of information technology has an impact on the development of financial services with the presence of Peer-to-Peer (P2P) Lending Financial Technology. The presence of P2P Lending has created its own legal complexities in relation to the legal relationship between lender and borrower and risk mitigation efforts, especially the risk of default without specific collateral. This research aims to analysis the legal relationship between Lender and Borrower and the legal protection for Lender in the event of default risks in the implementation of P2P Lending in Indonesia using a normative legal approach. The results of the research indicate that the legal relationship between lender and borrower is a general loan agreement involving a P2P lending platform as an intermediary between lender and borrower. POJK No. 10/POJK.05/2022 plays an important role as a regulation that ensures risk mitigation in the implementation of P2P lending, including the obligation of operators to transfer funding risks to third parties, which has been implemented by PT Amartha Mikro Fintek in collaboration with PT Jaminan Kredit Indonesia (Persero) to provide guarantee facilities for P2P Lending services to ensure legal protection for Lenders.