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All Journal Jurnal Akta Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research
Salma, Lina
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Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Perlindungan Hukum Perbankan Terhadap Konsumen dalam Layanan Electronic Payment Melalui Penggunaan QRIS dalam Mendukung Ekonomi Digital Salma, Lina; Sinta Agustin, Mutiara; Sari, Chintia
Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research Vol. 2 No. 1 (2025): NOVEMBER 2024 - JANUARI 2025
Publisher : UNIVERSITAS SERAMBI MEKKAH

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Abstract

QRIS (Quick Response Code Indonesian Standard) is a standardization policy from Bank Indonesia to set electronic payment standards in Indonesia, which aims to ensure security, convenience, and uniformity in digital transactions. QRIS uses the Merchant Presented Mode (MPM) system, where users simply scan the QRIS code at the merchant without the need to change the digital payment application they use, which makes transactions faster, easier, and safer, and provides practical solutions, especially for small businesses that can receive payments from all payment system service provider (PJSP) applications with one account. This research uses a normative juridical method by analyzing the laws and regulations governing QRIS, as well as its relevance to the protection of consumer rights. The results show, although QRIS provides various advantages in terms of ease of transactions and protecting consumers (in data security), its application is still not effective. One of the reasons is the low literacy about digital finance and the lack of public understanding of this policy. Thus, intensive efforts are needed in socialization and education, as well as stricter supervision of the implementation of security standards in transactions through QRIS.
Kedudukan dan Perlindungan Hukum Pemegang Saham Minoritas dalam Perusahaan Terbuka Salma, Lina; Agustin, Mutiara Sinta; Sari, Chintia
Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research Vol. 2 No. 1 (2025): NOVEMBER 2024 - JANUARI 2025
Publisher : UNIVERSITAS SERAMBI MEKKAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32672/mister.v2i1.2359

Abstract

Perlindungan hukum bagi pemegang saham minoritas dalam perusahaan terbuka merupakan hal penting untuk menjaga keseimbangan kepentingan antara pemegang saham mayoritas dan minoritas. Berdasarkan Undang-Undang Perseroan Terbatas di Indonesia, pemegang saham minoritas sering kali mengalami keterbatasan dalam hak suara dan kontrol perusahaan, sehingga rentan terhadap tindakan sepihak yang merugikan. Perbedaan kepentingan ini seringkali memicu konflik yang dapat berdampak negatif terhadap stabilitas perusahaan secara keseluruhan. Melalui pendekatan yuridis normatif, penelitian ini menganalisis peraturan hukum yang mengatur hak-hak pemegang saham minoritas serta upaya hukum yang dapat dilakukan untuk melindungi hak-hak tersebut. Hasil penelitian menunjukkan perlunya penguatan perlindungan hukum bagi pemegang saham minoritas guna memastikan terciptanya tata kelola perusahaan yang adil dan transparan, terutama dalam perusahaan terbuka.
Excellent Service Quality of Land Administration in Response to The Community A Comparative Study of Kendal Regency and Semarang City Salma, Lina; Fidiyani, Rini
JURNAL AKTA Vol 12, No 4 (2025): December 2025
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v12i4.50225

Abstract

This study aims to analyze the quality of excellent land administration services based on community response in two regions with different characteristics, namely Kendal Regency and Semarang City. The main issue examined focuses on differences in community perceptions and experiences of public services in the land sector, particularly regarding the aspects of speed, transparency, and professionalism of officials. The approach used is qualitative with a comparative case study design, which allows researchers to explore social phenomena in depth in a local context. Data were collected through semi-structured interviews, participatory observation, and documentation studies, with participants selected using purposive and snowball sampling. The results of the study identified three main themes, namely: (1) public perceptions of excellent service, (2) responsiveness and professionalism of officials, and (3) transparency and certainty of services. The Kendal community considers the friendliness of officials to be a key aspect of service, but still faces obstacles in terms of certainty of time and cost. Meanwhile, the people of Semarang consider the efficiency and openness of the digital system to be the main advantages, despite the challenge of the digital literacy gap. These findings reinforce the SERVQUAL theory by adding the dimensions of socio-cultural context and service digitalization. Theoretically, this study contributes to the development of adaptive service-based public administration studies, while practically providing recommendations for improving the capacity of officials and integrating inclusive digital service systems. Further research is recommended to explore the aspects of inclusiveness and digital literacy in public services in semi-rural areas.
Co-Authors Agustin, Mutiara Sinta Rini Fidiyani Sari, Chintia Sinta Agustin, Mutiara