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Kristiana Lipat Samon
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PERAN MEDIA DIGITAL DALAM MENINGKATKAN EFEKTIVITAS KOMUNIKASI LINTAS BUDAYA PADA KOMUNITAS MULTINASIONAL DI INDONESIA Ayu Souterya Alkatiri; Nadia Naema Sisilia Yuniati Lodo; Kristiana Lipat Samon; Mali, Maria Muliani; Mas’ud, Fadil; Benu, Alfret
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 10 No. 04 (2025): Volume 10 No. 04 Desember 2025 Press
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v10i04.36695

Abstract

This article explores the role of digital media in enhancing the efficiency of intercultural communication within multinational communities in Indonesia. Drawing on a literature review of various journals, academic books, and research reports, the study highlights that platforms such as Zoom, WhatsApp, Google Workspace, and social media significantly improve communication speed, expand access to information, and foster intercultural collaboration. Despite these advantages, several challenges persist, including cultural misunderstandings, limited digital literacy, and difficulties in interpreting nonverbal cues. The effectiveness of intercultural communication through digital media largely depends on users’ communication competence, cultural sensitivity, and their ability to utilize technology effectively. Therefore, strengthening education and training in digital communication is essential to promote harmonious interactions within multinational communities.
FENOMENA PINJAMAN ONLINE ILEGAL: ANALISIS PERATURAN PERUNDANG-UNDANGAN DAN PERLINDUNGAN MASYARAKAT Ayu Souterya Alkatiri; Wihelmina Ruli Loo; Kristina Desita Angul; Penina Persis Lasibey; Kristiana Lipat Samon; Fadil Mas’ud
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 02 Juni 2026 Press
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.48458

Abstract

The rapid development of digital technology has triggered the widespread emergence of illegal online lending in Indonesia, causing exorbitant interest rates, misuse of personal data, and user intimidation. The OJK PASTI Task Force recorded 8,271 illegal online lending entities blocked as of April 2025, yet new platforms continue to emerge. Although regulations such as POJK No. 77/2016 and the ITE Law are in place, their implementation is hindered by low public digital literacy and the rapid evolution of digital platforms. Previous studies have predominantly examined economic and consumer behavior aspects, and have not comprehensively integrated analysis of legal regulations, digital citizenship education, and preventive protection. This normative legal research, using statutory and conceptual approaches, aims to analyze regulations and legal protection against illegal online lending. The findings indicate that the legal substance is adequate; however, enforcement is impeded by weak interagency coordination, the adaptive nature of illegal platforms, and low public legal awareness. This study recommends integrating digital citizenship education and Pancasila-based digital ethics into the curriculum as a preventive measure, alongside strengthening OJK’s digital surveillance system and cross-institutional cooperation.
Co-Authors Ayu Souterya Alkatiri Benu, Alfret Fadil Mas’ud Kristina Desita Angul Mali, Maria Muliani Nadia Naema Sisilia Yuniati Lodo Penina Persis Lasibey Wihelmina Ruli Loo