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Rista Helmalia Putri; Siti Ulfiyani; Muhajir Muhajir

Jurnal Ilmu Sosial, Bahasa dan Pendidikan 2023 Pusat Riset dan Inovasi Nasional

The purpose of this research is to describe and find out the moral values ​​contained in the collection of short stories by Ustad Salim Menangis by Budi Maryono. This study uses a qualitative method. The approach used in this study is a qualitative descriptive approach and sociology of literature. The data collection technique used in this study was listening, reading, and taking notes. The technique of presenting research data uses informal techniques. The data analysis technique used in this research is content analysis. The results of the study show that there is a moral value contained in the collection of short stories by Ustad Salim Crying by Budi Maryono. There are three types of moral values, namely the human relationship with oneself, the human relationship with God, and the human relationship with the social sphere and the natural environment. The moral values ​​of human relations with oneself include working hard, promising, having principles, responsibility, managing time, never giving up, awareness, regret, and self-improvement. The moral values ​​of human relations with God include praying, trusting God, worshiping God, second chances from God, sacrifice, and surrender. The moral values ​​of human relations with the social sphere and the natural environment include caring, helping, loving, respecting, family responsibilities, advice, helping each other, establishing hospitality, and mother's love.

Muhammad Sayuti; Sofwatul Marfiyah

Jurnal Anestesi: Jurnal Ilmu Kesehatan dan Kedokteran, 2023 Stikes Kesdam IV/Diponegoro Semarang, Indonesia

The application of problem based learning methods requires students to have active learning and critical thinking skills, where these abilities are factors that can affect students' GPA. This study aims to determine the relationship between active learning and critical thinking with the GPA of students of the Medical Study Program, Faculty of Medicine, University of Malikussaleh. This study was an observational analytic study using a cross sectional approach. Statistical analysis using the Spearman test. Sampling in this study using total sampling with a total of 274 students who have met the inclusion and exclusion requirements. The results of the univariate analysis of ability active learning and critical thinking of all respondents at the most at the ambivalent level of 262 respondents (95.6%), followed by high measurement results of 8 respondents (2.9%) and low measurement results of 4 respondents (1.5%). Icumulative achievement indexAll respondents were found at a very satisfactory level of 209 respondents (76.6%). GPA with praise of 50 respondents (18.3%). Satisfactory GPA of 14 respondents (5.1%). Bivariate statistical analysis get p value <0.05. The conclusion of this studythere is a relationship between active learning and critical thinking with the GPA of students of the Medical Study Program, Faculty of Medicine, University of Malikussaleh.

Enik Purwo Rahayu; Pintam Ayu Yastirin; Sehmawati Sehmawati

Jurnal Inovasi Riset Ilmu Kesehatan 2023 Pusat Riset dan Inovasi Nasional

Monitoring nutritional status in 2018 reached 27.5% while the WHO limit was <20%. This means that approximately 8.9 million Indonesian children experience suboptimal growth, or 1 in 3 Indonesian children is stunted. More than one third of children under the age of 5 in Indonesia are below average in height. Purpose: To analyze the relationship between the health history of pregnant women and the incidence of stunting in the working area of the Responsibilityrjo Health Center. Methodology: The research design used is quantitative research using analytic survey methods with a cohort approach. The population is 3140 and the sample is 355 respondents. Results: The average respondent was 20-35 years old with a percentage of 80%, the education of the most respondents was high school with a total of 220 respondents or 62%. Most of the respondents' occupations were housewives, namely 102 respondents or 28.7% and the highest number of respondents were multigravidas, namely 215 or 60.6%. Health history of mothers during pregnancy with CED as many as 84 respondents (23.7%) and non-SEZ 271 mothers or 76.3% And mothers who experienced mild anemia were 98 mothers or 27.6% and mothers under five who experienced moderate anemia 22 respondents or by 6.2%, there were 135 stunted toddlers with a percentage of 38%, there was no relationship between age and work with stunting with a p value of maternal age of 0.611 and a p value of work of 0.158 and there was a relationship between education and parity most of the respondents were multigravida, namely 215 or 60.6%. Health history of mothers during pregnancy with CED as many as 84 respondents (23.7%) and non-SEZ 271 mothers or 76.3% And mothers who experienced mild anemia were 98 mothers or 27.6% and mothers under five who experienced moderate anemia 22 respondents or by 6.2%, there were 135 stunted toddlers with a percentage of 38%, there was no relationship between age and work with stunting with a p value of maternal age of 0.611 and a p value of work of 0.158 and there was a relationship between education and parity with the incidence of stunting, namely the p value Mother's education is 0.00 and the p value for mother's parity is 0.000. There is a relationship between maternal health history and the incidence of stunting. negative indicates that the better the mother's nutrition and the higher the mother's Hb, the lower the incidence. Suggestion: So that parents can better prepare for early pregnancy and pay more attention to their children's nutritional intake.

Jamaluddin Kemal Fauzi; Hari Setyono; Imam Baidlowi; Hartono Hartono; Nur Ainiyah

Jurnal Kendali Akuntansi 2023 International Forum of Researchers and Lecturers

This research aims to analyze the influence of consumerist lifestyle, financial education, and financial management motivation on financial management behavior among accounting students at Majapahit Islamic University. Financial issues are a common problem faced by every individual, and this study examines whether the observed problems are influenced by the variables under investigation. The population of this study consists of accounting students from the 2019, 2020, 2021, and 2022 cohorts at Majapahit Islamic University, totaling 80 respondents. The research employs a quantitative approach using primary data collected through questionnaires distributed to the respondents. The data analysis technique used in this study is multiple linear regression.The results of this study indicate that consumerist lifestyle, financial education, and financial management motivation have a positive influence on the financial management behavior of students at Majapahit Islamic University. This suggests that higher consumerist lifestyle, better financial education received, and stronger motivation to manage finances result in better financial management behavior among the university students.  

Wa ode Sitti Asma

JURNAL ILMIAH KESEHATAN MASYARAKAT DAN SOSIAL 2023 CV. ALIM'SPUBLISHING

Antenatal care is a health service by professionals for mothers during their pregnancy which is carried out in accordance with established antenatal service standards. Wapunto Health Center is one of the health facilities in Duruka District that has a low Antenatal Care Visit at 48.8%. This has not yet reached the national targets set, namely for K1 (100%) and K4 (95%) coverage (Permenkes RI, 2014). This research is a descriptive research with a quantitative approach. Researchers measured age, parity, education level, knowledge and family support for antenatal care visits. The number of respondents as many as 30 people with sampling was selected using the nonprobably sampling method with accidental sampling technique. Research Instrument with Questionnaire. The results of the study found that ANC visits were incomplete from 30 respondents, namely mothers aged <20 and >30 years as many as 10 people (83.3%), mothers with multiparity as many as 11 people (52.4%), mothers with secondary education level as many as 15 people (83.3%), mothers with less knowledge as many as 9 people, and mothers with sufficient family support as many as 11 people. Puskesmas need to increase promotional efforts such as counseling activities on the importance of pregnancy checks or ANC.

Wa ode Sitti Asma

JURNAL ILMIAH KESEHATAN MASYARAKAT DAN SOSIAL 2023 CV. ALIM'SPUBLISHING

Antenatal care is a health service by professionals for mothers during their pregnancy which is carried out in accordance with established antenatal service standards. Wapunto Health Center is one of the health facilities in Duruka District that has a low Antenatal Care Visit at 48.8%. This has not yet reached the national targets set, namely for K1 (100%) and K4 (95%) coverage (Permenkes RI, 2014). This research is a descriptive research with a quantitative approach. Researchers measured age, parity, education level, knowledge and family support for antenatal care visits. The number of respondents as many as 30 people with sampling was selected using the nonprobably sampling method with accidental sampling technique. Research Instrument with Questionnaire. The results of the study found that ANC visits were incomplete from 30 respondents, namely mothers aged <20 and >30 years as many as 10 people (83.3%), mothers with multiparity as many as 11 people (52.4%), mothers with secondary education level as many as 15 people (83.3%), mothers with less knowledge as many as 9 people, and mothers with sufficient family support as many as 11 people. Puskesmas need to increase promotional efforts such as counseling activities on the importance of pregnancy checks or ANC.

Sri Rizkhika; Lisnawaty W. Badu; Jufryanto Puluhulawa

Mandub: Jurnal Politik, Sosial, Hukum dan Humaniora 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This study aims to determine the causes of women becoming victims of violence due to alcohol in the family environment. The research method used is an empirical legal research method using a descriptive approach and qualitative analysis techniques. The results of this study indicate that there are two factors that cause women to become victims of violence due to drinking alcohol in Gorontalo City, namely internal factors consisting of the personality of the woman (victim) and the personality of the man (the perpetrator). While the external factors themselves consist of economic factors and infidelity factors. For victims, with the facts that occur in the field where alcohol is a trigger for domestic violence, it is for the victims, in this case the wife, to continue to provide awareness to her husband in order to place limits on the actions taken. And the perpetrators too so as not to exceed the limits of awareness in terms of drinking liquor so that families at home do not become victims of violence for actions due to excessive consumption of liquor.

Moh. Alfajar Mursidah; Nirwan Junus; Sri Nanang M. Kamba

Birokrasi: JURNAL ILMU HUKUM DAN TATA NEGARA 2023 Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

A situation that is very unbalanced between consumers and business actors is a big potential that can lead to disputes between consumers and business actors. The government has issued laws that regulate consumer protection, in particular Law Number 8 of 1999 concerning Consumer Protection. The goal is to provide protection to consumers. This research is intended to: (1) to find out the role of the Consumer Dispute Settlement Agency (BPSK) in resolving Finance disputes (2) to find out what are the obstacles faced by the Consumer Dispute Settlement Agency (BPSK) in resolving Finance disputes. This research uses the type of empirical legal research, using a literature approach and research in the field. The sources of legal materials used are primary legal materials and secondary legal materials.The results of the study show that first, the Gorontalo City Consumer Dispute Settlement Agency (BPSK) has carried out its role, totaling 11 (eleven) of which is resolving consumer disputes in 3 (three) ways, namely mediation, conciliation and arbitration, opening consultations on consumer protection, if there is a violation the Consumer Protection Act (UUPK) the Consumer Dispute Settlement Agency (BPSK) is required to report to investigators, the Consumer Dispute Settlement Agency (BPSK) is required to receive complaints in writing or in writing, the Consumer Dispute Settlement Agency (BPSK) is tasked with conducting inspections and research related to consumer disputes, BPSK summons business actors suspected of violating the Consumer Protection Act (UUPK), the Consumer Dispute Settlement Agency (BPSK) has the right to present expert witnesses, witnesses or someone who is deemed to know of violations of the Consumer Protection Act (UUPK), examine the truth evidence, ascertaining whether or not there is a loss on the part of the consumer. The second research result is, What obstacles are faced by BPSK Gorontalo City in resolving Finance disputes in Gorotanlo City, these obstacles are divided into two parts, namely Internal and External. For internal ones, there is an inclusion of a standard clause, asking for help from investigators to summon business actors who do not want to attend invitations from the Gorontalo City Consumer Dispute Settlement Agency (BPSK), finally, financial constraints, namely the Gorontalo City Consumer Dispute Settlement Agency (BPSK) still cannot manage their funds in grants (self-managed).

Dian Dwi Sahniar; Tatas Ridho Nugroho; Nurdiana Fitri Isnaini; Imam Baidlowi

Jurnal Mutiara Ilmu Akuntansi (JUMIA) 2023 Pusat Riset dan Inovasi Nasional

This study aims to analyze financial statements to determine the potential for bankruptcy in companies in the transportation and logistics sector using the Altman Z-score, Grover and Zmijewski methods. The research used is quantitative with a descriptive approach. The population used is 28 companies in the transportation and logistics sector. The sample used in this research was 15 companies using purposive sampling technique in taking the sample. Statistical analysis in this study uses the calculation of the company's financial ratios from each bankruptcy method. The data used is secondary data in the form of financial reports obtained from the Indonesian Stock Exchange. The results showed that of the 15 sample companies using the Altman method, 8 were bankrupt, 1 was a gray area, 6 were healthy. Grover's results are 7 bankrupt and 8 healthy and Zmijewski's results are 10 bankrupt, 5 healthy. And of the 15 sample companies, there are 5 companies that have a greater potential for bankruptcy using these three methods.    

Mutiara Yolanda; Waizul Qarni

JURNAL RISET MANAJEMEN DAN EKONOMI 2023 Institut Teknologi dan Bisnis (ITB) Semarang

This study aims to determine the extent of the influence of the use of digital banking as an online transaction service on customer satisfaction of Bank Sumut Syariah Kcp Hm Joni with a focus on the variables Accurancy (X1), Speed (X2), Security (X3). This study uses a quantitative approach with sampling using the non-probability sampling method. The type of data used in this study is Primary Data obtained from questionnaires filled out by respondents directly. And Secondary data derived from books, journals, research results, practical work reports and related to the author's research object.  In this study, the population to be taken is all North Sumatra Syariah KCP HM Joni customers in 2022 as many as 21,500 people.  The analysis tool uses multiple linear regression analysis. The results showed that the variables Accurancy (X1), Speed (X2), Security (X3) simultaneously affect the satisfaction of customers using digital banking Sumut Syariah KCP HM Joni. The coefficient of determination is 0.741. This means that 74.1% of bank existence is influenced by Accurancy (X1), Speed (X2), and Security (X3), while the remaining 25.9% of customer satisfaction is influenced by other variables not examined in this study.

Robingun Suyud El Syam; Akhmad Khoiri

Student Research Journal 2023 Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

Football is a popular sport worldwide. From small children, teenagers, adults to the elderly, all are fond of this sport. Of course it is interesting if football is associated with science and religion. Thus, the aim of this research is to reveal the philosophical-analogical contemplation of football in religious and scientific terminology. With a philosophical-analogical approach, conclude: that football has 11 players, so it is called a team. The number eleven in religious terminology can be related to the obligation of a Muslim which must follow the 5 pillars of Islam and the 6 pillars of faith. With a scientific approach, the number eleven in religious terminology will find a connection with the miracles of Allah SWT and the Prophet Muhammad SAW. The 11 basic football techniques are also a representation of science where it shows the signs of God's greatness. More specific research on the relationship between religion and science regarding football is needed for the sake of depth of essence.  

Rizky Auliah Juniarti; Hadijah

Jurnal Inovasi Riset Ilmu Kesehatan 2023 Pusat Riset dan Inovasi Nasional

Maternal mortality during childbirth is a global concern, and in Indonesia, this issue remains significant. According to the Ministry of Health (Depkes) in 2020, the primary cause of maternal mortality during childbirth is hemorrhage (28%). Anemia and energy deficiency are the main contributing factors to hemorrhage. Preventing iron-deficiency anemia can be achieved through the use of tablet supplements containing 200 mg ferrous sulfate + 0.25 mg folic acid (Fe tablets). Therefore, the level of coverage and compliance among pregnant mothers in consuming iron tablets becomes an intriguing subject for investigation. This research aims to identify determinant factors influencing the compliance of pregnant mothers in consuming iron tablets at the Barrang Lompo Island Community Health Center in Makassar in the year 2023. Method: This study employs a non-experimental quantitative research design utilizing a cross-sectional approach. The study is conducted at the Maternal and Child Health Clinic of the Barrang Lompo Island Community Health Center in Makassar from April to June 2023. The sample size for this research is 38 individuals, selected using Non-Probability Sampling, specifically Purposive Sampling. The data is analyzed using the chi-square test. Research findings indicate that the factors influencing pregnant mothers' compliance in consuming iron tablets during pregnancy exhibit low p-values. The p-values are as follows: 0.00 for knowledge, 0.01 for attitude, 0.00 for family support, and 0.01 for healthcare provider motivation. This demonstrates a significant relationship between these factors and the compliance of pregnant mothers in maintaining iron tablet intake during pregnancy, at a significance level of α = 0.05. Conclusion: Knowledge, attitude, family support, and healthcare provider motivation significantly influence the compliance of pregnant mothers in consuming iron tablets.    

Kartika Asli

Jurnal Inovasi Riset Ilmu Kesehatan 2023 Pusat Riset dan Inovasi Nasional

The toddler period is also known as the "golden age," which falls within a crucial phase of child growth and development. However, during this period, toddlers constitute a nutritionally vulnerable group. Failure to navigate this period effectively may cause children to miss their opportunity for a golden phase of growth and development. This study aims to determine the relationship between maternal knowledge and parenting styles with the nutritional status of infants aged 0-12 months. Method: The research design employed is an Analytical Survey with a Cross-Sectional Study approach. All mothers with infants or toddlers visiting the Batusura’ Health Center between March and June 2023 were included. A purposive sampling technique was utilized, resulting in 64 respondents. Data collection was carried out using questionnaire sheets. The collected data were subsequently processed and analyzed using SPSS Statistics version 25 and subjected to Chi-Square tests. The findings of this study reveal a relationship between maternal knowledge and infant nutritional status, with a p-value of ρ = 0.004. Furthermore, a connection between maternal parenting styles and infant nutritional status was observed, with a p-value of ρ = 0.008. Conclusion: A significant relationship exists between maternal knowledge and parenting styles with nutritional status.    

Robingun Suyud El Syam; Muhamad Yusuf Amin Nugroho

Journal of Creative Student Research 2023 Pusat Riset dan Inovasi Nasional

The research intends to reveal the philosophical meaning in a cup of coffee of life, with a descriptive qualitative approach. After discussing and analyzing concluded; Coffee is a drink for all people. A connoisseur can know the existence of God from a cup of coffee, that in the fragrant aroma and delicious taste there are signs of the Kauniyah, the majesty of God. In front of connoisseurs, a cup of coffee never chooses who has the right to drink it. Likewise God, all servants before Him are the same, except piety. However delicious coffee must have a bitter side, but delicious coffee is bigger than the bitter side. Along with the bitter side of coffee, there are various tastes, that God has the nature of Jamaliyah (beauty). A cup of delicious coffee consists of various compositions: coffee, sugar and water, that enjoyment can be achieved because there are differences, life with differences is a blessing. Enjoy coffee when it's still warm, not hot or cold. Likewise religion, understanding religion must be precise and in context, not excessive. Peace, harmony, and unity are the teachings and commandments of God. That is one sign of God's greatness shown through coffee.    

Idham Ikhsan; Enas Enas; Aini Kusniawati

Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Competence in carrying out tasks, which are needed by aligning knowledge and expertise by communicating with developments in business and digital technology. as well as Competency training that suits the needs of the company as well as outreach to employees and outreach and training. Tool selling and monitoring the digital base are already aware of and have been executed in the field both in terms of product education and sales of digital products, have been socialized and understand Telkomsel's CSP 2023-2027. The research method that will be used in this research is a qualitative research method with a descriptive approach. The design used in this study is a case study design. The results of the research are 1. HR Competence in the Era of Industri 4.0 and Digital 5.0 Transformation to Increase Employee Work Productivity at PT Telkomsel Se-Priangan Timur, competency or capacity in carrying out tasks, in this case what is needed by aligning knowledge and expertise by communicating with technological developments business and digital. 2. Obstacles in HR Competence in the Era of Industri 4.0 and Digital 5.0 Transformation to Increase Employee Work Productivity At PT Telkomsel Se-Priangan Timur, not all Telkomsel employees already know Digital Culture in their daily work and mastery of existing Technology by the Network Department in New Mastery 5G Technology Network employees, HR who have high creativity are needed in the era of volatility, uncertainty, complexity, ambiguity (VUCA) to make Innovations that support Digital Business.3. Efforts in HR Competence in the Industri 4.0 and Digital 5.0 Transformation Era to Increase Employee Work Productivity at PT Telkomsel Se-Priangan Timur, Digital Culture training in daily work and mastery of existing Technology by the Network Department in Mastering New Technology 5G Network employees, trained HR those who have high creativity are needed in the era of volatility, uncertainty, complexity, ambiguity (VUCA) to make innovations that support Digital Business.

Sayyidatul Mu’minah; Thatok Ismony; Djoko Suprayetno

Jurnal Penelitian Manajemen dan Inovasi Riset 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

In order to achieve company goals, it is necessary to improve employee performance, the company must be able to utilize human resources optimally. This study examines the effect of coaching and competence on employee performance at PT. Nindya Karya Mataram Branch. The data collection method used is a census method by using primary data collected directly from respondents through filling out questionnaires. The type of research used is quantitative research with an associative approach.  The number of respondents in this study was 40 respondents.  The analysis tool used is Multiple Linear Regression analysis using SPSS program version 25.0. The results of the analysis show that: (1) the coaching variable has a significant and positive effect on the performance of PT. Nindya Karya Mataram Branch; (2) competence variables have a significant and positive effect on the performance of PT. Nindya Karya Mataram Branch.

Maria Angelina Jelita; Yosefina Andia Dekrita; Fransiskus De Romario

Student Scientific Creativity Journal 2023 Pusat Riset dan Inovasi Nasional

The purpose of this study was to investigate whether tax incentives impact the compliance of MSME taxpayers. It will employ quantitative research methods with a descriptive verification approachto determine the extent ot the influence of tax incentives on MSME taxpayer compliance. The sample in this study was 64 MSME taxpayers. The technique for collecting data involves administering a questionnaire that has undergone rigorous testing to ensure its validity and reliability. The data analysis technique used to answer the hypothesis was simple linear regression. Based on the coefficient of determination test, it’s evident that tax incentives contribute significantly to the compliance of MSME taxpayers with a contribution of 92,5% observed in the data analysis results. Furthermore, the results of testing the hypothesis can be seen that the t-count value was 2,249 and the t-table value was 1.999. The hypothesis testing revealed that the t-count value was higher than the t-table value (2,249 > 1,999). It can be inferred that tax incentives had a positive and significant influence on MSME taxpayer compliance in East Alok, West Alok, and Alok Sub-districts of Sikka Regency.

Kandida Agatha Dua

Student Scientific Creativity Journal 2023 Pusat Riset dan Inovasi Nasional

This study aims to determine whether the financial performance of the government of Ribang Village, Koting District, is economical, efficient and effective based on the concept of value for money. This study used a quantitative approach originating from the office of Ribang Village, Koting District. Analyzed using Microsoft Excel and value for money formula. The results of the research conducted concluded that the financial performance of Ribang Village, Koting District, from an economic perspective, in 2018 was quite economical and in 2019-2021 it was economical. efficiency category, (2) whereas in 2020 the index was not efficient, (3) the financial performance of Ribang Village, Koting District in terms of effectiveness in 2018-2021 was quite effective.

Lutpi Alpauzi; Nila Nurochani; Mulia Amirullah

Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah (JUPIEKES) 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

Objectives and targets that can be achieved for each study. There are objectives to be achieved, including: To determine the effect of mudharabah financing to boost BMT Al-Istiqomah Maleber Ciamis income, To determine the effect of musyarakah financing on increasing BMT Al-Istiqomah Maleber Ciamis income, and to determine the effect of Mudharabah and musyarakah financing on increasing income of BMT Al-Istiqamah Maleber Ciamis. The scientific approach to obtaining data for a specific purpose is the research method. Quantitative statistical methods are used in this study. The results of this study This study shows that (1) revenue growth is significantly and positively affected by Mudharabah financing. It can even be said that the higher the mudharab support, the higher the compensation for BMT Al-Istiqamah Maleber Ciamis. (2) The consequences of the review show that the musyarakah monetary variable influences salary development. As a result, musyarakah funds can be said to increase the income of BMT Al-Istiqamah Maleber Ciamis. (3) Mudharabah and musyaraq financing simultaneously have a significant positive impact on income.

Rismawan M. Pole; Lisnawaty W. Badu; Moh. Taufiq Z. Sarson

Mandub: Jurnal Politik, Sosial, Hukum dan Humaniora 2023 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This study aims to determine the guarantee of the consumer protection institution foundation for consumer rights to the forced recall of vehicles. The research method used is an empirical legal research method using a descriptive approach and qualitative analysis techniques. The results of this study show that YLKI's role in guaranteeing consumer rights regarding the case of the forced withdrawal of motorized vehicles by the leasing party includes providing awareness to the public and providing advocacy and legal consultation for consumers who experience losses. On the first point In order to increase consumer awareness, LKY consistently strives to carry out community-based activities so that more and more people can find out about the materials or messages being disseminated to increase understanding and awareness of consumer rights. While providing advocacy and legal consultations for consumers who have experienced losses as an effort to fight for the rights of consumers who have suffered losses from finance companies. The two roles mentioned above are a form of guarantee of legal protection for consumers who experience losses.