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This research is entitled “Effectiveness of Subsidized Sharia Mortgage Financing for Low- Income Communities at BTN Syariah Langsa City. This study uses a qualitative descriptive method, with the formulation of the problem, 1) How is the implementation of Islamic mortgage financing for low-income customers at Bank BTN Langsa City?, 2) How is the effectiveness of Islamic mortgage financing for low-income people at Bank BTN Langsa City?, from the results of the research of the bank and the dispatcher have followed the regulations from the government from the housing mortgage program, but with regulations from the government, the depeloper is an obstacle they cannot freely choose customers, with regulations made by the government even though people who are gardeners are farmers and fishermen even though they are able to take mortgage housing, there are also people who feel helped by the KPR program from thegovernment.

In the Bankruptcy Law and PKPU, there are two steps in proposing a going concern, namely after the bankruptcy decision (solvent), which is regulated in Article 104 of the Bankruptcy Law and PKPU, and after insolvency, which is regulated in Article 179 paragraph (1) of the Bankruptcy Law and PKPU. This research uses an empirical juridical approach. Empirical juridical research is data that is first examined, namely secondary data, followed by research on primary data in the field or in the community. This research is descriptive empirical normative legal research. Types and sources of research data include primary data and secondary data consisting of primary and secondary legal materials. The approaches used in this research are the statute and case approaches. The research results show that the implementation of going concern carried out by the PT Star Prima Curator Team (in bankruptcy) is by the Bankruptcy Law and PKPU, namely 1) obtaining approval/permission from the supervisory judge and the creditors accepted, 2) proposed when the debtor is in a state of insolvency, 3) regularly 3 (three) months once reported to the supervising judge.    

Humans are essentially social creatures who need help from other people in meeting their daily needs, especially those related to economic problems. The economy is fundamentally related to agreements, as these agreements are created to ensure that both parties comply with and fulfill their obligations. However, in fact, currently there are still many default disputes due to debtor negligence so that the legal consequences are cancellation of previously agreed agreements, transfer of risk, as well as compensation for costs, losses and interest. Apart from that, resolving default disputes can also be done by filing a lawsuit by creditors in district court as in case number 59/Pdt.G/2022/PN Mkd. After going through considerations, the case was decided by the judge and granted in part because there was one of the arguments of the lawsuit which was not in accordance with positive law in Indonesia.

Sharia people's credit bank (BPRS) is an institution that carries out business activities based on sharia principles and in its activities does not provide services in payment traffic. The level of interest in PT. Many BPRS Al Washliyah choose murabahah financing. This high level of murabahah financing activity can cause high risks faced by the entity providing the financing. Risk management is an effort that must be made to minimize the possibility of loss risks that may occur as a result of problematic murabahah financing transactions. The conclusion from these results is that murabahah financing risk management faced by PT. BPRS AL-Washliyah Medan, namely by persuasive means, if this method cannot be a solution to the existing problems, then PT. BPRS Al-Washliyah Medan resolved this by means of collateral, namely the confiscation/sale of collateral

In today's era and the changing and needs regarding a good health system, health insurance has a very important role in supporting universal access to health services and protecting individuals and families from unexpected financial risks. Thus, this research aims as an educational material for the wider community, especially in Indonesia, which is actually in dire need of health insurance but still in doubt about its benefits and financial value. In this research, the author uses a qualitative research approach in the form of a library study (Library Research). The result of this research is that Simas Sehat Gold Insurance for customers has many benefits including: (1) Customers can already enjoy a cashless system. (2) Customers under the age of 50 do not need a medical examination. (3) Simas Sehat Gold Insurance can be paid in installments per month through a Visa or Mastercard credit card. (4) There is free personal accident insurance worth Rp 10 Million. (5) There are emergency medical evacuation guarantees around the world. And the advantages of Simas Sehat Gold insurance products include using a cashless system and products from PT. Sinar Mas Insurance has a wider range of hospital providers or partners so that customers are easier to find and receive by the hospital.

One company that solves financial problems is a motorbike credit company that can help people who are constrained by costs but want to own a motorbike to make their lives easier. One of the motorbike leasing companies that provides a motorbike credit system. One of the products is the Honda ADV 160 ABS which provides various down payment offers with time periods. In this research, the data used is quantitative data in the form of secondary data obtained from motorbike credit brochures on one of the motorbike rentals in the city of Binjai which were registered in October 2023. This research will analyze and compare the results between the total credit interest that matches the flat interest, annuity interest and effective interest which provide slightly lighter installment or credit installment payments. Based on the results obtained from both samples, the lowest total interest is the effective interest.

household industry or usually known quantity when UMKM  is an arising chance. Rephrase. This happens because there are very few job break. However, some UMKMs still have adversity determining the optimal  production abundance broad- based on accessible expedient, so  these troop cannot amplify. One of them is Bu Ida fruit juice, which consistently produces fruit juice according to crowd-pleasing orders of average consumer credit. admittedly utilize capital and basic materials enough, Ms. Ida's business is growing day by day. From this research, problems were distinguish and answer live needed, comprehend the employment of linear programming to determine the  sales abundance that absence to be optimized to attain maximum earnings from juice sales Ida's fruit. There are 6 (six) juices and 6 (six) ingredients. In this study, a simple method linear programming algorithm is applied to obtain an optimization model to maximize the  juice production quantity and obtain optimal profits. The POM-QM Windows application provides fast, accurate and precise  calculation results.

A house is a basic human need, many people are rarely able to save in cash due to rising house prices. By providing pawn products (Home Ownership Credit), the Bank acts as a mediator between the interests of home buyers and sellers in this situation. However, Muslims are not allowed to use the usury transaction interest system used by mainstream banks. For Muslims who want interest-free financial services, the rise of Islamic banking is a good thing. However, the fact that sharia banking has not been able to match conventional banks in Indonesia is proof that the majority of Muslim communities there do not have full confidence in using sharia banks. Based on this, the author looks at and discusses how murabahah contracts are used in sharia finance at the Bank Sumut Syariah Lubuk Pakam Branch Office. The aim of this qualitative descriptive research which combines case study theory is to describe the implementation of the murabahah contract and determine its impact on sharia financing at Bank Sumut Syariah Lubuk Pakam Branch Office. To gather information regarding the use of murabahah contracts in Islam, the data collection approach uses interview procedures, namely questions and answers to officers, employees and authorized parties (in authority), as well as documentation. Descriptive techniques are used in data analysis procedures. The research findings, the application of the DSN-MUI fatwa regarding murabahah, turns out that the DSN-MUINo.04/DSNMUI/IV/2000 fatwa was followed in the case of murabahah financing for subsidized housing mortgage financing carried out by the North Sumatra Syariah Bank, Lubuk Pakam Branch Office.

The purpose of this study is to analyze the effect of External Funds and Capital on credit distribution in PT. Bank Sulutgo . This research uses secondary data taken from Bank Sulutgo's annual report from 2012 – 2021. The analysis used is multiple regression analysis on the eviews application by taking data on third party funds, share capital and total credit distribution. Regression testing shows Y = 127 + 0.286 X1 + 7.490 X2. In the T test, it explains that the variable Third Party Fund has a significant influence on Credit Distribution and the results of the Capital variable have a significant influence on Credit Distribution, the amount of Third Party Funds and capital on Credit Distribution can be seen from the R-square of 0.98, meaning that X1 and X2 have a significant influence on Y by 98 percent and the rest by other factors.

The aim of this research is to investigate the regulations governing the position of the insured in credit life insurance and the responsibilities of insurance companies, as delineated in Decision Number 3079K/Pdt/2019. Credit life insurance serves as a mechanism for banks to mitigate the risk of debtor default in debt repayment resulting from the death of the debtor. It entails a collaborative effort between banks and insurance companies aimed at facilitating credit repayment to the bank in the event of the demise of the credit facility user (debtor). This research adopts a normative legal approach with a case study methodology, examining legal issues elucidated in court decisions of enduring legal significance. The findings from Decision Number 3079K/Pdt/2019 reveal that the insurance company bears the responsibility of settling the outstanding debt of the insured, contingent upon premium payments, in the event of the insured's demise. In the realm of insurance, the direct relationship typically exists between the insured and the insurer; however, in credit life insurance, the direct relationship materializes between the insurer and the policyholder, thereby rendering the position of the insured comparatively weak and indirect.

A broken promise or default is a situation where a debtor is unable to fulfill his obligations in accordance with the debt and receivable agreement he made, for example not making installments or repayment on time. As in article 13138 of the Civil Code which states "All agreements made in accordance with law apply as law for those who make them. This agreement cannot be withdrawn other than by agreement of both parties, or for reasons determined by law, the agreement must be carried out in good faith. In this paper, the problem is regarding the bank credit payment agreement made between the debtor and the creditor in the contents of the agreement that has been given by agreement between the parties given a period of time by the creditor to the debtor, but the debtor is negligent and does not pay compensation even though it has been billed and a summons has been given. or a warning, so that the debtor files a lawsuit. The theory in this research uses contract law theory which regulates agreements and methods using normative legal research methods which refer to court decisions and statutory regulations. So the title that the researcher will discuss is the analysis of cases of default between debtors and creditors regarding bank credit loan agreements, case study decision number 51/PDT.G.S/2023/PN.BTG

This research aims to evaluate risk management in financing through the Sharia Fintech Peer To Peer Lending (P2P) platform. P2P lending is an innovation in the financial sector that allows borrowers and fund providers to interact directly via digital platforms. In the context of sharia finance, the risk management aspect is crucial to ensure compliance with sharia principles. This research uses qualitative and quantitative analysis methods to identify and evaluate various aspects of risk management related to financing through sharia P2P lending. Risk factors such as credit risk, liquidity risk, operational risk and sharia risk will be evaluated to provide a thorough understanding of the effectiveness of risk management in this context.

This research aims to determine whether actio pauliana is an appropriate legal remedy in providing legal protection for creditors in bankruptcy cases. It also aims to determine the basis of the judge's considerations in Verdict No. 06/Pdt.Sus.Gugatan Lain-lain-AP/2020/PN.Niaga.Jkt.Pst. Jo. No. 27/Pdt-Sus-PKPU/2015/PN.Niaga.Jkt.Pst. This research is a normative legal research with statutory and case approach. The type of data used is secondary data. The technique used in collecting legal materials in this research is literature study. This research uses syllogism analysis technique and deductive thinking pattern, using major premises and minor premises which then these premises can produce conclusions. Based on this research, it is found that actio pauliana is an appropriate legal remedy in providing legal protection for creditors who are harmed by debtors in bankruptcy cases because there is internal legal protection and external legal protection in accordance with Isnaeni's legal protection theory used as an analysis. The basis of the judge's consideration used as the curator's right to file an actio pauliana lawsuit is Article 47 paragraph (1) and Explanation of Article 3 paragraph (1) of the Bankruptcy Law, then in deciding the case used as the analysis material, the judge uses Article 41 and Article 42 of the Bankruptcy Law.

A peace agreement that has been homologated is binding on all creditors who agree to the peace plan in accordance with Article 286 of Law Number 37 of 2004. The debtor is obliged to prove that the peace agreement has been fulfilled by the creditors as per the peace agreement that has been agreed. This research is aimed at analyzing legal certainty regarding the rights of concurrent creditors after homologation has been carried out, the debtor's responsibility if the debtor does not fulfill his promise according to the peace agreement that has been homologated and analyzing the application of the law by the panel of judges in Decision Number 11/Pdt.Sus-PKPU /2017/PN Niaga Medan regarding the responsibility of debtors to concurrent creditors in the implementation of the homologated PKPU peace agreement. This research is normative legal research that is qualitative in nature. Data comes from primary, secondary and tertiary legal materials collected using library research and document study techniques. Primary data as supporting data for normative analysis was collected using the interview method with judges and curators who were determined purposively. Data analysis was carried out using the qualitative normative data analysis method.Based on the research results, it is concluded that legal certainty regarding the rights of concurrent creditors occurs after the homologation of peace agreements which are binding and obtain permanent legal force. If the debtor is negligent and the settlement is canceled, the debtor will lose independence or the debtor will no longer have any interest in controlling or managing his assets. In this regard, the application of the law by the panel of judges in the homologation Decision Number 11/Pdt.Sus-PKPU/2017/PN Niaga Medan was correct with the consideration that the debtor was declared negligent in fulfilling his obligations and canceled the decision to ratify the peace by declaring the debtor to be in bankruptcy with all legal consequences

Currently, there are many kinds of financial institutions that provide various products, namely funding, landing and services. Credit is one of the products from lending services that is very popular with customers because of its many benefits. Credit services are usually used by customers for business capital purposes so that they can encourage economic growth in Indonesia. A banking institution is a financial institution that provides loan or credit services. Bank Woori Saudara KPC Banyuwangi is a banking financial institution that provides services with many superior products, one of which is General Pension Credit (KUPEN) which is specifically for Retired Civil Servants. Apart from that, BWS KCP Banyuwangi also offers a Take Over system for loans from other banks to Bank Woori, KCP Banyuwangi. The results of this service and research aim to ensure that the public, especially retired civil servants, know the procedures and completion of the General Pension Credit Take Over (KUPEN) system from other banks to Bank Woori Brother KCP Banyuwangi. The method used in this research is participatory so that data collection uses observation, interviews and documentation methods. Based on the results of community service regarding the procedures for implementing General Pension Credit Take Over (KUPEN) at Bank Woori Saudara KCP Banyuwangi, there are conclusions that can be drawn, including that the part involved in implementing General Pension Credit Take Over (KUPEN) is the Unit Head, Relationship Officer (RO), Back Office (BO), and TASPEN.

This study examines procyclicality and the Expected Credit Loss (ECL) model in IFRS 9, aiming to analyze the effectiveness of accounting policies in reducing financial instability. Using a qualitative literature review approach, this research reviews various studies related to the implementation of IFRS 9, particularly in the context of the recognition of expected credit losses. The ECL model is expected to reduce the impact of excessive economic cycles by accounting for credit losses from the outset, in contrast to the previous IAS 39 model. While there are challenges in the accuracy of loss estimates and varying implementation across countries, the findings suggest that IFRS 9 has the potential to enhance global financial system stability, provided it is applied carefully. The study also identifies several limitations that need to be considered for further research development.

Introduction: Digital transformation in the agricultural sector has become an urgent need to increase efficiency and productivity, especially in tropical regions that are rich in natural resources but face challenges in adopting technology. Purposed: To analyze the socio-economic factors influencing the adoption of precision agricultural technology by farmers in tropical agro-ecological areas. Research method: A quantitative approach with an explanatory survey design was used in this study, with a sample consisting of crop farmers selected randomly. The independent variables analyzed include age, education, income, land area, access to credit, and participation in farmer groups, while the dependent variable is the level of adoption of precision technology. Results: Logistic regression showed that education, income, access to credit, and participation in farmer groups have a significant impact on the adoption of precision technology. In contrast, land area did not show a significant effect on technology adoption. Access to credit and education had a very strong influence on the adoption decision, followed by income and participation in farmer groups. This study suggests the need for improving access to education, providing adequate financing schemes, and empowering farmer groups to enhance the adoption of precision agricultural technology in tropical areas. Thus, policies supporting precision agriculture technology are expected to improve productivity and sustainability in the region.  

This research aims to analyze the usage of the BRIMEN application and its impact on the ease of performance of Credit Administration Officers (ADK) at the Pasuruan Branch Office of PT Bank Rakyat Indonesia (Persero) Tbk. The research method used is qualitative method with a participatory approach and descriptive research type. Data were obtained through observation, interviews, and direct documentation in the field. The results show that the BRIMEN application facilitates ADK officers in various tasks such as scanning customer documents, uploading files to the system, and archiving physical files. Although still in the refinement stage, BRIMEN provides time efficiency and flexibility for officers, who previously performed processes manually. In conclusion, BRIMEN has provided benefits in improving the work efficiency of Credit Administration Officers (ADK) at the Pasuruan Branch Office. Although further refinement is needed, this application has the potential to be continuously developed to enhance productivity and operational efficiency.

From traditional trading practices to today's global financial system, credit agreements have played an important role in the formation of the world economy. Good faith can often be said to be a high norm in civil law, especially in contracts, because objective good faith refers to a normative concept related to moral standards in carrying out legal actions, especially in carrying out auctions. Bad faith is a contario of the definition of good faith, namely that good faith will be the background for someone to act against the law which results in harm to another party. Bad faith has not been clearly regulated in any statutory regulations, so determining whether someone is acting in bad faith is not easy considering that there are no provisions related to bad faith in statutory provisions, including BW. This research aims to analyze the basic determinants of bad faith in the implementation of mortgage rights execution auctions by banks based on credit agreements and the legal consequences for banks who act in bad faith in implementing mortgage rights auctions. The research method used in the research is normative legal research using a statutory approach, case approach and conceptual approach. This research uses legal materials sourced from primary legal materials and secondary legal materials which are then collected through literature study, analyzed using qualitative methods. The results of the research are that the basis for determining the existence of bad faith can be seen from actions that violate the law which are not based on the principle of caution or are not careful in carrying out their duties. Therefore, as a legal consequence of bad faith, you can file a lawsuit for cancellation of the auction which causes the auction to be canceled to the Local District Court.

This study aims to analyze the role of the financial sector in poverty alleviation in Indonesia using annual data for the period 1980-2014. The ARDL cointegration approach is used to show the existence of a long-run trade-off between the financial sector and poverty alleviation. In addition, the Granger causality VECM method is also used to detect the direction of the causal relationship between the financial sector and poverty. In addition, to measure the time horizon and relative intensity of poverty in response to shocks experienced by the financial sector, impulse response functions (IRF) and variance decomposition (VDC) are used. Private sector money supply and domestic credit ratio are used as indicators of financial sector development, while poverty is measured by household consumption expenditure per capita and economic growth is measured by gross domestic product (GDP) per capita. The results show that there is a long-run relationship between the financial sector, economic growth and poverty alleviation in Indonesia. Furthermore, the results show that there is a two-way causal relationship between the financial sector and poverty. The contribution of money supply and private credit ratio to poverty shocks is positive. Therefore, to accelerate poverty alleviation, the government can adopt a policy that requires commercial banks to provide convenient lending conditions for the poor and the private sector.