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All Journal Awang Long Law Review WASIS : Jurnal Ilmiah Pendidikan
Karunia, Anggie
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Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Other

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Upaya Pengembangan Kecerdasan Sosial Anak Melalui Pembiasaan TOMAT (Tolong, Maaf, Terima Kasih) Karunia, Anggie; Purbasari, Imaniar; Khamdun, Khamdun
WASIS : Jurnal Ilmiah Pendidikan Vol 5, No 2 (2024): WASIS : Jurnal Ilmiah Pendidikan
Publisher : PGSD Universitas Muria Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24176/wasis.v5i2.12147

Abstract

This research aims to (1) find out how the TOMAT (Help, Sorry, Thank You) habituation program is implemented and (2) find out what factors influence the implementation of habituation in the development of students' social intelligence in SD 2 Tenggeles.This type of research is descriptive qualitative with a narrative method or approach which was carried out at SD 2 Tenggeles, Mejobo District, Kudus Regency, taking class II teachers as subjects with a total of 18 students. Data was taken using interview and observation techniques. Interviews were conducted using interview instruments for students and teachers, while observations were carried out to observe the habituation of TOMAT (Please, Sorry, Thank You) in class 2 students at SD 2 Tenggeles. Analysis of research data qualitatively. Data on the implementation of the TOMAT program observed and recorded in interview activities are presented in narrative sentences and concluded according to field data.The results of the analysis show that the behavior of SD 2 Tenggeles students in implementing the TOMAT (Help, Sorry, Thank You) habituation program is actually able to help develop students' social intelligence as demonstrated by their behavior of helping each other, the ability to control themselves, having endurance when facing a problem, self-motivated, able to regulate mood, ability to empathize and build relationships with other people, interact with other people, have self-awareness, consistently say TOMAT (Help, Sorry, Thank You) in the school environment even though sometimes you still have to be reminded. There are factors that influence students' social development, including individual factors, environmental factors, family factors with different dominance. The differences in the dominance of these factors then give rise to differences in each child, or what is more often called individual differences
DEFECTIVE AGREEMENTS IN FINTECH DIGITAL DEBT AND RECEIVABLE DEALS Karunia, Anggie; Ekawati; Maisyarah; Asyari, Fatimah
Awang Long Law Review Vol. 8 No. 3 (2026): Awang Long Law Review
Publisher : Sekolah Tinggi Ilmu Hukum Awang Long

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56301/awl.v8i3.2145

Abstract

This study examines the flawed agreement of will in digital fintech debt agreements by placing Article 1321 of the Civil Code as the basis for assessing the validity or invalidity of agreements in electronic contracts. This normative juridical legal research uses a statutory, conceptual, and, where relevant, case-based approach, by examining the Civil Code, LPBBTI regulations (including POJK 40 of 2024), the Personal Data Protection Law, as well as doctrine and literature regarding defects of will and abuse of circumstances. The results of the study indicate that digital fintech agreements are, in principle, still subject to the valid conditions of an agreement in Article 1320 of the Civil Code, so that the elements of agreement and the provisions on defects of will in Article 1321 remain applicable in technology-based contractual relationships. However, the textual formulation of Article 1321, which only mentions error, coercion, and fraud, does not explicitly cover modern forms of inequality that arise in the relationship between fintech platforms and debtors, such as urgent financial needs, standard digital contracts, information asymmetry, and economic dependence. In this context, the doctrine of abuse of circumstances (misbruik van omstandigheden) is relevantly positioned as a form of defects of will that allows for the cancellation or adjustment of an agreement when the debtor's consent is obtained through exploiting a weak or pressing situation. Strengthening sectoral regulations through POJK 40 of 2024 and personal data protection norms have indeed improved governance standards and administrative protection, but have not replaced the role of free will analysis in contract law. Therefore, this study concludes that Article 1321 of the Civil Code needs to be interpreted dynamically by incorporating abuse of circumstances as a basis for defective will in digital fintech agreements, in order to strengthen legal protection for debtors as the weak party in the technology-based financial ecosystem.
Co-Authors Asyari, Fatimah ekawati Imaniar Purbasari Khamdun Maisyarah