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The rapid technological developments also have an impact on the financial industry in Indonesia. Financial service providers issue a variety of products to support their business activities and also to serve consumers who use their product services. One of the products they offer to consumers is Fintech. The Fintech innovations offered include Peer to Peer Lending (P2PL), crowdfunding, Payment Gateways, and risk and investment management. From these technological developments, new challenges arise for financial service supervisors and the government to monitor these practices in order to create an environment that is not detrimental between financial service providers and consumers. This study aims to explore the role of existing legal regulations in Indonesia in dealing with technological developments in the financial sector. The research was conducted by means of descriptive analysis and collecting review literature studies to compare and analyze consumer protection in the development of Fintech. The results of this study indicate the need for supervision by financial supervisory institutions in practice to oversee the activities carried out by financial service providers in offering their products to consumers, so that there are no violations that can harm consumers.

Indonesia is known as a state of law that has regulated various protections of ideas in the form of innovation and creativity that have various economic values ​​through many laws and regulations related to Intellectual Property Rights. This is very necessary because as we know Indonesia has enormous potential in the creative industry and abundant natural resources. The rapid development of the creative industry in Indonesia greatly contributes to the country's economic growth. Where it can be seen from year to year there are always updates and additions to the number of creative products both from young people and community groups engaged in entrepreneurship. The existence of UMKM and their policies have been implemented and used through several laws and regulations, in the context of developing the business climate, including Law No. improve the expertise and position and institutions of Micro, Small, and Medium Enterprises in the national economy. Various aspects and actions of the government covering many things in terms of production, marketing and branding are carried out so that MSMEs are able to compete in the national and international realm. economy through many laws and regulations related to Intellectual Property Rights. This is very necessary because as we know Indonesia has enormous potential in the creative industry and abundant natural resources. The rapid development of the creative industry in Indonesia greatly contributes to the country's economic growth. Where it can be seen from year to year there are always updates and additions to the number of creative products both from young people and community groups engaged in entrepreneurship. The existence of UMKM and their policies have been implemented and used through several laws and regulations, in the context of developing the business climate, including Law No. improve the expertise and position and institutions of Micro, Small, and Medium Enterprises in the national economy. Various aspects and actions of the government covering many things in terms of production, marketing and branding are carried out so that UMKM are able to compete in the national and international realm.

This study aims to determine the implementation of legal protection for women victims of gender-based discrimination within the State Civil Apparatus and submissions to adopt the use of ILO Convention Framework 111 and ILO Convention 190. The formulation of the proposed problem is: How is the effectiveness of salatiga city government regulations and policies in preventing and overcoming gender discrimination experienced by female ASNs in salatiga city government work units and policies that should be taken by salatiga city government in preventing and tackling gender discrimination experienced by female asns. This research includes a typology of normative legal research supported by empirical data. Research data were collected through literature studies, document studies and interviews. The analysis of this study is carried out normatively empirically. The results of this study show that all policies related to Gender Mainstreaming are made for gender-responsive activities eliminate Employment and Job discrimination and violence and harassment in the w. Regarding the effectiveness of the regulations made by the Salatiga City Government, it has not been effective because there are still cases of discrimination and still tries to apply the regulations made to solve cases in Salatiga City. For policies that can further adopt ILO Convention 111 and ILO Convention 190 to implement rules that further orld of work. Of course, it is aligned with the hierarchy of regulations in Indonesia to be held in autonomous regions.

The objective of this study is to determine and analyze the effects of the work environment, communication, and discipline on employee performance. The background of this study is the phenomenon of inadequate company facilities, budget constraints, poor communication with colleagues, where employees tend to form separate groups, and the low level of discipline and self-awareness of employees and superiors regarding compliance with regulations. The study is quantitative, and the data was analyzed using multiple linear regression. A sample of 41 employees was taken with the saturated sampling approach. The results showed that work facilities had a good and statistically significant effect on staff performance at PT. Prosperous Administration Development, as well as on work communication and work discipline. Furthermore, the impact of work facilities, communication, and discipline on the performance of PT. Bina Administration Sejahtera staff was also significant.    

This article discusses the evaluation of student learning outcomes in educational institutions. This type of research is a literature study with the characteristics that the research deals directly with text/scripts or numbers, the data is ready-to-use, library data is generally a secondary source and the process is not limited by space and time. The results obtained show that the evaluation of student learning outcomes in educational institutions is an important matter to be carried out and regulated in order to achieve the objectives of existing education. Implementation of the 2013 curriculum, must refer to the process and evaluation of learning outcomes according to existing guidelines. The problem that arises is that teachers feel that the new regulations regarding the assessment system are very complex, because they use a variety of different assessment tools to evaluate learning outcomes. Teacher competence must be increased and must be able to adjust to the implementation rules of the 2013 curriculum.   

Tunneling construction is important to get more attention because considering the magnitude of the risks from this work such as the instability of the carrying capacity of the soil around the construction which can cause collapse during dredging or installation of tunneling walls, or and other problems such as lack of oxygen intake for workers who are carrying out tunneling excavations , the presence of toxic and flammable gases, or falling objects that can result in minor accidents or even death. The purpose of this study is to make a visual assessment through certain media (photos/videos) that can be done quickly regarding the existing conditions of the environment/work, whether the work carried out meets work safety standards, work safety regulations and so on. Rapid assessment can assume that what happened in the field at that time was a reflection of previous work. From the results of the study there were 58 variables which were divided into 4 main variables which were assessed based on the WBS and 26 photos of the environment of the Manikin Dam Tunneling development project taken from several sides. Calculations were made using the results of data from 6 informants, resulting in a P(H | Ecomb) value of 0.932 or a probability of 93.2%, which means that the tunnel work according to the 6 informants was carried out safely. The final value obtained from the analysis is almost close to 1 and all the results of the analysis from the 6 informants are more than 67%.

 Permendikbud No 30 of 2021 is not a point for sexual violence in the higher education environment. Socialization is carried out in limited circles. Information regarding the number of complaints could not be found. This research aims to develop the PPKS agenda after the Permendikbud. Descriptive qualitative method is used to explain the formulation of the problem with the research source being secondary data, namely the study of journal articles and regulations related to this research. Validation of the validity of the data in this study using triangulation. This study uses the theory of setting the policy agenda, namely problem currents, policy currents and political currents. The results of this study are that the target of socialization is not comprehensive both in number and group (problem), the flow of reporting on survivors is available but the facilities are not yet (policy) and the leader determines how a policy is implemented (politics)

Micro, small and medium enterprises or MSMEs play an important role in improving the economy of a region and the country's economy. However, in the production cycle, processed food requires prerequisites that must be considered because its quality is easily damaged. One of the factors that often results in defects in MSMEs processed food products is the lack of concern for food safety. The method used in this service activity is counseling. The result of this counseling is that MSMEs actors in Klampis Ngasem Village, Surabaya City know the use of food added ingredients and hazardous materials in food. The purpose of this service activity is to educate MSMEs in Klampis Ngasem Village, Surabaya City about the importance of using food preservation and packaging technology extend the shelf life of the product while still complying with food safety regulations. so that MSMEs actors can make food products that are safe, competitive, of good quality, and have high selling value.

The village government is required to carry out village financial management in a transparent, accountable, participatory, orderly and disciplined manner. Therefore, after the APBDesa has been determined, the village head assigns village officials as executors of village financial management (PPKD) to prepare Budget Implementation Documents (DPA). This DPA consists of; Village Activities and Budget Plans (RKA), Village Activity Work Plans (RKK), and Budget Plans (RAB). This community service is carried out so that the nagari apparatus has the capacity to compile these three documents. The steps taken in this service activity are: site visits, site analysis, socialization, FGD, and closed with the practice of preparing DPA. The result of this community service activity is that the nagari apparatus understands more about regulations in village financial management, knows the flow in preparing DPA and RAK, and becomes skilled in preparing DPA and RAK.

Elaboration of information regarding differences in bridge loading regulations, especially bridge loading on superstructures between RSNI T 02 2005 and SNI 1725 2016 regulations really needs to be done considering there are still many engineers who don't know and haven't upgraded. Changes to these regulations are based on scientific developments and environmental conditions that continue to change from time to time. The elaboration of the differences in these regulations is carried out to make the engineer aware that the changes that occur must be highly considered and evaluated in order to create a civil building that is strong, sturdy and safe for users.frame and shrinkage, traffic loads, D loads, additional fatigue loads, changes in the calculation of wind and earthquake loads.

The FishGo application is a navigation-based android application using remote sensing sensor technology that is processed with a certain algorithm so that it can provide information on potential fish areas and the best route for traditional fishermen to catch fish. The Patriot Tool (Detecting Fish Catching Areas Using the Internet of Things System) is a development of an application in the form of a fish finder tool to more accurately detect underwater fish biomass. The research objective is to determine the success of patriot service innovation through the FishGo application as an effort to improve the welfare of fishermen in Badung Regency. The research method is descriptive qualitative with data collection techniques in the form of observation, interviews and documentation. The research analysis uses the theory of innovation success factors put forward by Bugge, et al which consists of 6 indicators: Governance and innovation, Sources of ideas for innovation, Innovation culture, Capabilities and tools, Objective, outcomes, drivers and trouble, and Collecting innovation data for single innovation. The results of this study are that the implementation of innovation has achieved good results on the source of innovation ideas including internal and external, a culture of innovation by showing good changes to fishermen, cooperation in developing innovation and socialization activities that are intensively carried out to fishermen, the results felt by fishermen experience catch increase. However, innovation governance is still not optimal, there are no basic regulations such as regional regulations and SOPs governing innovation, Human Resources capabilities still need to be added to the fields of electronics, IT and mapping, goals that have not been fully achieved from those that have been set. and there are still external and internal obstacles in its implementation.

Credit in Article 11 of Law Number 10 of 1998 refers to the provision of money or the equivalent thereof in the form of a bill, based on the agreement and mutual understanding between the two parties, namely the Debtor and the Creditor, with the obligation for the Debtor to repay the debt and interest obligations that have been determined. Before credit is granted to the debtor, the creditor will conduct a field survey regarding the debtor's financial activities until all conditions are deemed fulfilled, in order to avoid default issues in the credit agreement between the two parties. There are many ways to resolve default cases, and in BPR Surasari Hutama, resolving default issues in Credit Agreement No. B.28613/2019 that occurred in March 2019 with the guarantee of ownership documents of a 2005 Hyundai Excel motor vehicle was done by providing a multipurpose credit loan of Rp 15,000,000. It can be said that the loan became delinquent because the debtor did not have good intentions to repay the debt, resulting in an outstanding balance of Rp 9,800,000, and fled with the object provided as collateral. This study aims to understand the resolution of default in Multipurpose Credit with Motor Vehicle Ownership Documents as collateral and to determine that the creditor does not immediately execute the object but rather issues verbal or written reminders, such as Collection Letters or Warning Letters, in accordance with Bank Indonesia Circular Letter No. 26/4/BPPP dated May 29, 1993, and adheres to OJK regulations and Bank Indonesia Regulation No. 7/2/PBI/2005 dated January 20, 2005 regarding Restructurable Banking Credit.

This study aims to comprehend the methods used by Indonesia's Financial Services Authority to tackle illegal investments. This is due to the substantial quantity of illegal investments in Indonesia, which can have detrimental impacts on many parties, especially individuals who make these investments. This research employs a normative legal research methodology that takes a statutory approach. The primary and secondary legal materials used are primary legal materials in the form of laws and regulations, including those pertaining to the Supervision of the Financial Services Authority against Illegal Investments (UU No. 21 of 2011), and investment-related books and journals, including illegal and OJK investments. The study's findings demonstrate that the Financial Services Authority, as required by Law No. 21 of 2011 concerning the Financial Services Authority, has the authority to protect the public's legal rights through public education campaigns, provision of facilities for customer complaints, and handling of illegal investments through the revocation of business licenses or payment. and presented a court case. An Investment Alert Task Force, which was established by the Financial Services Authority, was tasked with monitoring investments in general and illegal investments in particular.

Discretionary actions are the authority of investigators who are decided by the Police in dealing with legal issues ini the field directly and without asking for instructions or decisions from their superiors. The discretion exercised by investigators basically must comply with statutory regulations and the code of ethics for the police profession. However, in reality there is still discrimination in the exercise of police discretion. The aim of the research is to find out the mechanism of impelemntation and legal accountability for the police who do negligence ini traffic discretion. The research method uses normative research conducted using a statutory approach and concepts related to the police. The data used are secondary data ini the form af laws and regulations, books, scientific papers, experts, articles and then these data are processed qualitively. The results of the study show that the mechanism for applying police discretion to traffic crimes at the investigative level is that the police go to the scene of a traffic accident and then make a sketch af the crime scene, help the victim, record witness, secure avidence, the police make a case analysis and exercise discretion in case of an accident, light. The discretionary authority of the police causes investigators to have the authority to make decisions or choose various actions in resolving the law violations they handle. The discretionary authority og the police which is individual in nature is the resolution of traffic accident cases by way of deliberation between the parties involved in the accident. Criminal liabity for negligence by members of the Indonesian National Police is based on article 359 of the Criminal Code, it is proven that the actions of the defendant because of thin negligence caused another person to die is punishable by imprisonment for a maximum of five years of imprisonment for a maximum of one year.

The welfare program provided by the company to employees should be beneficial for both the company and the employees, so that it can encourage the achievement of effective company goals. Employee welfare programs should be in accordance with the provisions set by the company and do not violate government regulations. The main objective of this study was to determine the level of Welfare of Unilever Distributor Human Resources at CV Ambassador Zulias, Sengkang Regency. This study uses qualitative research methods, with data collection techniques through interviews, observation, and document review. The results of this study indicate that the Welfare of Unilever Distributor Human Resources at CV Ambasador Zulias Sengkang Regency is classified as good in terms of economic welfare, facility welfare and service welfare. However, there are some things that need to be improved, such as the provision of official clothing for employees and facilities for worship in the office. Welfare of employees at CV Ambasador Zulias Sengkan Regency has been assessed as good in terms of income standards that come from various sources such as pensions, salaries, holiday allowances, bonuses whose aim is for the welfare of its employees    

This study aims to analyze the legal consequences that may be faced by a Limited Liability Company (Ltd) that pays its workers below the minimum wage, using Law Number 11 of 2020 “Cipta Kerja” as its legal basis. The case study used is PT. Lapisan Seribu Warna Surabaya Branch. The method used in this research is normative juridical, with reference to laws and regulations related to the minimum wage and the provisions contained in Law Number 11 of 2020 “Cipta Kerja”. The results of the research show that PT. Lapisan Seribu Warna Surabaya Branch has violated the minimum wage provisions stipulated in the law. The legal consequences that may be faced by company may be subject to administrative sanctions in the form of fines by the local “Badan Pengawas Ketenagakerjaan (BPTK)”

Indonesia adheres to the supremacy of law as the front guard towards a welfarstate (welfare state) as stated in the 4th paragraph of the Preamble to the 1945 Constitution of the Republic of Indonesia which mandates the protection of the entire Indonesian nation, which also protects in terms of law enforcement. In order to realize these ideals, in a state it is necessary to regulate norms or rules that are public in nature and apply nationally as a control mechanism for its citizens. One of the public regulations is the regulation that contains criminal law. Based on the background, problem identification, the problem can be formulated with the following research questions; Will the perpetrator be deterred in cases of premeditated murder? What are the judge's legal considerations in deciding a criminal case of premeditated murder?

Self-assessment system is a tax collection system that gives confidence to taxpayers to calculate/calculate, pay, and report the amount of tax that should be owed based on tax laws and regulations. Notification Letter (SPT) is a means used by taxpayers to account for the calculation of taxes owed. Understanding for filling out Annual Tax Returns for both individual and corporate taxpayers is needed, including the use of online systems used to deposit and report taxes. LPPM also plays a role in providing tax training through Community Service activities. The purpose of this community service activity is to be able to provide an understanding of how to fill out Annual Tax Returns for individuals and entities as well as the use of e-billing and e-filing for to make deposits and tax reporting. The result achieved in this training is that participants can understand the process of calculating and filling out the Annual Tax Return of individuals and entities as well as how to use e-billing and e-filing. The output target to be achieved from this training is to be able to provide an understanding of taxation to Educators of SMK Muhammadiyah 4 Lamongan in terms of filling out Annual Income Tax Returns for Individuals and Entities, including procedures for depositing and reporting taxes online.

The government through the Ministry of Health has been continuously outreaching and educating the public to understand health protocols, but the phenomena that occurred in Mon Ara Village, Makmur District, Bireuen Regency include; there are still many people who are lazy to wear masks, wash their hands with soap, and keep their distance, there are still many people who think that Covid-19 is just the engineering of certain elements, there are still people who think that Covid-19 is exaggerated, and there are still people who have the view that handling Covid-19 is the government's job. This study aims to determine community intervention on the governance of handling Covid-19 in Desa Mon Ara, Makmur District, Bireuen Regency. The theory used in this research is intervention theory. The research approach used is qualitative by using interview instruments, documentation and observation. The data obtained were analyzed descriptively. The results of the study explained that community intervention in the governance of handling Covid-19 in Desa Mon Ara, Makmur District, Bireuen Regency, mobilized the masses to be vaccinated. However, some people do not follow the regulations, so that the community's willingness to use masks is not optimal. Community intervention in the distribution of direct cash assistance (BLT) is another problem during Covid.

Contract work in construction is one of the common forms of work performed in the construction industry. In contract work, workers are hired to complete construction projects within a specified timeframe and agreed-upon cost. However, there are often cases where contract workers experience delays or wage payment postponements. The research aims to analyze the legal protection for contract workers in the construction industry concerning delayed wage payments. In Indonesia, there are labor regulations that govern the rights and obligations of workers, including wage payments. If there is a delay in wage payment, workers have the right to file a lawsuit or report the violation to the authorities. This research adopts a qualitative research method, analyzing data and gathering information from various sources. Legal protection plays a crucial role in safeguarding workers. Some relevant legal roles include employment agreements, which enable workers to enter into contractual agreements with employers that protect their rights.