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All Journal Jurnal Manajemen dan Pemasaran Jurnal Riset Sosial Humaniora dan Pendidikan
Mutiara Nauli
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Humanities Economics, Econometrics & Finance Education Social Sciences

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PERLINDUNGAN HUKUM TERHADAP NASABAH PERBANKAN SYARIAH DALAM KASUS PEMBIAYAAN BERMASALAH Danti, Annisa; Surya Hamdani; Mutiara Nauli
Jurnal Manajemen dan Pemasaran Vol. 3 No. 1 (2024): Edisi Agustus 2024
Publisher : Universitas Haji Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51771/jumper.v3i1.1144

Abstract

Sharia banking has developed rapidly in Indonesia as a financial alternative that is in line with Islamic principles, offering products and services that are free from usury, gharar and maisir. However, legal protection for customers in cases of problematic financing is a significant challenge. This research aims to evaluate existing legal protection mechanisms and identify the challenges faced by customers when facing problems in sharia banking financing. Through qualitative and quantitative approaches, this research collects data from case studies, interviews with legal practitioners and customers, as well as surveys about customer experiences in dispute resolution. The research results show that although sharia banking regulations in Indonesia, such as Law Number 21 of 2008 and the DSN-MUI fatwa, provide a legal framework for sharia banking, there are shortcomings in their practical application, especially in handling problematic financing cases. The main obstacles identified include legal uncertainty in regulations, limited dispute resolution mechanisms, and low customer satisfaction with existing legal protection. Dispute resolution mechanisms, especially through sharia arbitration institutions, are often considered less efficient and not fully transparent, which can reduce customer trust. This research recommends several steps for improvement, including revising regulations to provide clearer guidance, increasing transparency and efficiency in sharia arbitration institutions, as well as implementing educational programs for customers to understand their rights and the dispute resolution process. By implementing these recommendations, it is hoped that legal protection for sharia banking customers can be improved, providing certainty and justice in dealing with problematic financing cases.
Persepsi Pemustaka terhadap Program Literasi Multikultural : (Studi Kasus di Perpustakaan Umum Kota Sibolga) Mutiara Nauli; Elva Rahmah
RISOMA : Jurnal Riset Sosial Humaniora dan Pendidikan Vol. 3 No. 5 (2025): September: RISOMA : Jurnal Riset Sosial Humaniora dan Pendidikan
Publisher : Asosiasi Ilmuwan Pendidikan, Sosial, dan Humaniora Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/risoma.v3i5.1174

Abstract

This study aims to determine the perceptions of library users towards the multicultural literacy program at the Sibolga City Public Library, as a response to the importance of literacy in building an inclusive society amidst cultural diversity. The method used is descriptive quantitative with a survey technique through a questionnaire to 73 active library users. The research instrument includes 15 statements on the independent variable (multicultural literacy program) based on James A. Banks' theory, and 10 statements on the dependent variable (librarian perception) based on the Ruch and Zimbardo framework. The results of the analysis show that library users' perceptions of the program are in the good category, with an average score of 40.23 out of a maximum of 50, and a standard deviation of 2.89, which indicates the consistency of respondents' responses. For the multicultural literacy program variable, an average score of 60.9 out of a maximum of 75, and a standard deviation of 3.68, is obtained. This indicates that library users feel that this program is very useful in increasing their understanding of cultural diversity. More than 78% of respondents agreed or strongly agreed that the program helped them understand other cultures, think critically about stereotypes, and feel proud of their own cultural identities. Furthermore, 54.79% of respondents expressed their willingness to promote the program to the surrounding community. These findings confirm that the Sibolga City Public Library has successfully fulfilled its role as an inclusive literacy space. The multicultural literacy program not only helps users improve their understanding of culture but also strengthens social cohesion and strengthens intercultural relationships. With this program, the library has functioned as an important agent of social change in creating a more inclusive and tolerant society. It is hoped that this program will continue to develop and be implemented more widely.
Co-Authors Danti, Annisa Elva Rahmah surya Hamdani