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73,319 articles from 712 journals · 2,111 citations tracked

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Analytics

Yut Indah Sitohang; Suratni Ginting; Lilis Lilis

Logistics and Supply Chain Insights 2026 Indonesian Maritime Researchers and Lecturers

Ship berthing and departure planning is one of the crucial aspects in supporting the operational effectiveness of shipping companies. This study aims to analyze the important role of planners in ship berthing and departure activities in supporting marketing activities at PT. Nusantara Pasifik Sentosa Belawan. The method used in this research is a descriptive qualitative approach through observation and documentation study. The findings indicate that well-planned and coordinated ship berthing and departure activities provide a significant contribution to customer satisfaction, delivery punctuality, and the company’s image in the eyes of business partners. Effective planning also helps the company maintain service reliability and improve operational efficiency in port activities. However, several obstacles were identified, including lack of coordination between departments, limited information flow, and schedule disruptions caused by external factors such as weather conditions and port congestion. These challenges can affect the smoothness of operational activities and indirectly influence the company’s marketing performance. Therefore, strategies are required to improve human resource competencies, enhance digital communication systems, and strengthen cross-sector collaboration. With a well-structured planning system, PT.Nusantara Pasifik Sentosa is expected to improve its service quality and increase its competitiveness in the national shipping industry.

Jefrindo David Cibro; Taruna Ginting; Suratni Ginting

Logistics and Supply Chain Insights 2026 Indonesian Maritime Researchers and Lecturers

The coal loading and unloading process is a crucial stage in maritime operational activities that requires effective coordination among vessel crews, stevedoring companies (PBM), and supporting service providers such as tugboats and cargo handling equipment. This study aims to analyze the implementation of coal loading and unloading operations using the ship-to-ship (STS) method on TB. ESA III by PBM PT. Adi Guna Putera Pangkalan Susu. The research employed field observation and library research methods to obtain relevant and accurate data. The results indicate that the ship-to-ship coal handling operation conducted by PBM PT. Adi Guna Putera Pangkalan Susu improves loading and unloading time efficiency, minimizes the risk of distribution delays, and enhances communication and coordination among involved parties. However, several technical challenges were identified, including adverse weather conditions, equipment limitations, and inadequate crew understanding of STS procedures. These constraints require mitigation through improved training programs, regular equipment maintenance, and strengthened occupational safety measures. Overall, the ship-to-ship coal handling method provides a positive contribution to the effectiveness of energy distribution, provided that it is supported by competent human resources and adequate operational facilities.

Suratni, Suratni; Yuliana, Refi; Azir, Ince Dian Aprilyani

International Journal of Educational Sciences and Languages 2026 International Forum of Researchers and Lecturers

In contemporary higher education, English for Specific Purposes (ESP) is increasingly expected to prepare learners for meaningful professional participation rather than isolated linguistic performance. Nevertheless, ESP pedagogy has often remained predominantly skill-oriented, with limited conceptual integration of pedagogical innovations such as project-based learning and digital learning. This study presents a systematic literature review of 40 peer-reviewed studies examining how ESP pedagogy is being reframed as situated professional practice through the integration of project-based and digital learning. Following the process of thematic synthesis, the review provides an examination of what ESP learning is perceived to be, how it is conducted and how it is evaluated in different disciplines and countries. Results show a marked pedagogical transition from a language-centric approach to one that incorporated more authenticity, collaboration and professional concern. Reported learning attainments go beyond language to cover professional capability, digital literacy, autonomous learning and identity development. Project-based learning authenticates language use in professional workflows, and digital learning environments support multimodal communication reminiscent of the way people work today. This review contends that in combination, these perspectives re-conceptualise the pedagogical nature of ESP as a type of applied professional education ’realised’ within particular social, institutional and discipline specific contexts. By synthesizing empirical evidence across settings, the study offers a conceptual reframing of ESP pedagogy and outlines implications for curriculum design, assessment, and future research in higher education and the social humanities.

Umara Hasmarani Rizqiyah; Husnirrahman J; Firnawati Firnawati; Armiwaty Armiwaty; Raeny Tenriola Idrus

Faedah : Jurnal Hasil Kegiatan Pengabdian Masyarakat Indonesia 2026 FKIP, Universitas Palangka Raya

This community service program aims to strengthen high school graduates’ understanding of the architectural profession, educational pathways, and legal qualifications required to become a professional architect under the Indonesian Institute of Architects (IAI). The online outreach was held on November 27, 2025, featuring two licensed architects from IAI and attended by 97 participants. The activities included interactive presentations, discussions, and an evaluation through a five-item pretest and post-test. The results show an overall improvement in participants’ comprehension of architects’ roles, responsibilities, and professional legality, with an average accuracy above 90%. The greatest improvement occurred in the legal aspect, where participants recognized the importance of the Surat Tanda Registrasi Arsitek (STRA) as a legal credential for professional practice. This program effectively increased prospective students’ awareness of professionalism, ethics, and regulatory understanding in architectural practice. It also served as an academic promotion platform that bridges architectural education with society’s demand for competent and ethical architects.

Afif Margi Lestari; Nurul Sulistya Ningsih; Suratin Suratin

Akuntansi dan Ekonomi Pajak: Perspektif Global 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze the influence of job satisfaction on employee performance at Warung Makan Ayam Penyet Pelem Asri, Boyolali. The study used a qualitative method with a case study approach. Data collection was conducted through in-depth interviews with employees and the business owner, direct observation of work activities, and relevant documentation. The results showed that the level of employee job satisfaction is relatively high, formed from a combination of structural, social, physical, and psychological factors. These factors include clear division of tasks, a regular work shift system, harmonious interpersonal relationships between employees, and the availability of adequate work facilities and compensation. High job satisfaction has been shown to encourage intrinsic motivation, discipline, and consistency in carrying out employees' duties. This is reflected in the ability of employees to provide fast, friendly, and consistent service, especially during busy operating hours. The research findings confirm that job satisfaction has a significant influence on employee performance, which in turn impacts customer satisfaction and business sustainability. Therefore, management needs to maintain and improve factors supporting job satisfaction to maintain service quality and business competitiveness.

Sakti Las Martua Sihite; Suratni Ginting; Lilis Lilis

Port Management and Maritime Administration Journal 2026 Indonesian Maritime Researchers and Lecturers

This study aims to analyze the effectiveness of bulk cement loading processes on the operational performance of vessels agented by PT. Pelayaran Multi Jaya Samudera Belawan. Bulk cement loading is a complex logistical activity at specialized port terminals that requires intensive coordination between the vessel, agency, and terminal to comply with international safety standards such as the IMSBC Code. The research method used was descriptive qualitative, with data collection techniques including direct field observations, interviews with the company's operational staff, and documentation studies conducted during the internship period. The research findings indicate that loading effectiveness is significantly influenced by the readiness of cargo handling equipment, such as pneumatic or conveyor systems, as well as the timeliness of agency administration in processing ship documents. Although the process generally runs well, obstacles were identified in the form of technical malfunctions of loading equipment and weather factors that frequently hinder operational speed. The conclusion of this research emphasizes that enhancing technical supervision and strengthening communication between the agent and port terminal authorities are crucial to minimizing vessel dwelling time, thereby optimizing operational performance and cost efficiency for ship owners.

Thalita Nadia Putri Aryanti; Meirinawati Meirinawati; Eva Hany Fanida; Neny Ayu Nourmanita

Studi Administrasi Publik dan ilmu Komunikasi 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

Quality public service represents a key measure of effective governance, including police administrative services. The Mobile Driving License (SIM Keliling) service is one of the public service innovations in the traffic sector designed to improve accessibility for the community. This study examines the quality of Mobile SIM services delivered by the Traffic Directorate of the East Java Regional Police at Lippo Plaza Sidoarjo. This research used a qualitative descriptive approach. Data collection techniques included observation, interviews with Mobile SIM officers and service users, and documentation. Service quality was analyzed using five dimensions proposed by Luke and Heyns (2020) reliability, responsiveness, assurance, empathy, and tangibles.The findings reveal that the Mobile SIM service generally performs well. Reliability is evident in the implementation of services in accordance with established procedures, although issues remain regarding service time certainty and transparency of administrative costs. Responsiveness is reflected in the officers’ prompt and attentive responses to public needs during the service process. Assurance is supported by officers’ professionalism, competence, and efforts to safeguard personal data, which enhance public trust. Empathy is demonstrated through friendly behavior, attention to individuals with special needs, and assistance throughout the service process. In terms of tangibles, the service location and main facilities are considered adequate; however, supporting facilities and officer identification still require improvement. In conclusion, while the Mobile SIM service fulfills most service quality indicators, further improvements are needed in time management, administrative transparency, and supporting facilities to achieve more optimal service quality.

Fransiskus Xaverius Pasaribu; Suratni Ginting; Muhammad Sahid

Jurnal Transformasi Bisnis Digital 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study examines the role of agents in the renewal process of cargo ship construction safety certificates at the Merak Banten Harbormaster and Port Authority Office (KSOP), using a case study of PT. Vinici Samudera Agencies, Merak Branch. The study aimed to determine the role of agency companies in assisting shipowners in fulfilling certification obligations and to examine certificate renewal procedures in accordance with legal provisions and shipping safety standards. The research methods employed included a field approach through direct observation, interviews, and a literature review of relevant literature, regulations, and official documents. Based on the research findings, PT. Vinici Samudera Agencies plays a significant role in processing shipping administrative documents, coordinating with the KSOP, ensuring compliance with applicable legal provisions, and providing technical guidance to ensure ships remain seaworthy. The agency's role has been proven to increase time efficiency, reduce the risk of delays, and provide legal certainty in the certificate renewal process. Therefore, the presence of ship agents is a strategic factor in supporting the smooth operation of cargo ships at the Port of Merak.

Rana Naflah; Aliya Ayesha Faizilla; Yayan Nuryanto

Journal of Administrative and Sosial Science (JASS) 2026 Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

Correspondence management is very important in government administration because it helps all parts of the organization communicate more easily. The purpose of this study was to assess the manual mail management system at the Riau Province Human Resources Development Agency (BPSDM) and find barriers and conformity with applicable regulations, especially Riau Governor Regulation No. 45/2019. The research was conducted using a descriptive qualitative approach involving participatory observation, in-depth interviews, literature research, and visual documentation. The results showed that the manual system used causes recording errors, delays in letter distribution, and difficulties in archive retrieval. In addition, the current provisions have not fully digitized the official manuscript and archive classification. Limitations in budget, infrastructure and HR training lead to mismatches between practices and regulations. The results show that to increase bureaucratic efficiency and improve accountability of public information, we must shift to a digital-based mail management system. According to this study, digitization of archives through applications such as Srikandi should begin immediately. This is necessary so that BPSDM can meet the demands of fast and accurate information services in the era of information technology.

Aryanti, Diva Eka; Handayani, Titis

Dinamik 2026 Universitas Stikubank

Penelitian ini bertujuan untuk mengevaluasi Sistem Surat Keterangan Pendamping Ijazah (SKPI) di Universitas Semarang melalui audit dengan menggunakan kerangka kerja COBIT 2019, dengan fokus pada domain Deliver, Service and Support (DSS) dan Monitor, Evaluate and Assess (MEA). SKPI berfungsi sebagai dokumen resmi yang memberikan informasi tambahan mengenai kompetensi lulusan di luar nilai akademik (ijazah), sehingga penting untuk memastikan kualitas dan relevansinya dengan kebutuhan industri. Metodologi yang digunakan dalam penelitian ini meliputi pengumpulan data primer melalui observasi, wawancara, dan kuesioner, serta data sekunder dari literatur terkait. Hasil penelitian menunjukkan bahwa tingkat kapabilitas pada sub-domain DSS dan MEA berada pada level 4 yang dilabeli sebagai terkelola, dengan nilai rata-rata masing-masing 3,73 untuk DSS dan 3,85 untuk MEA. Meskipun demikian, terdapat sejumlah rekomendasi untuk meningkatkan nilai Maturity Level sistem, dengan GAP masing-masing sebesar 1,07 untuk DSS dan 1,04 untuk MEA. Rekomendasi yang disampaikan meliputi peningkatan kompetensi petugas teknis, pengembangan aplikasi mobile, dan sosialisasi prosedur penyajian SKPI secara digital. Dengan adanya rekomendasi tersebut, diharapkan dapat memberikan masukan positif dalam pengelolaan SKPI di Universitas Semarang dan meningkatkan daya saing lulusan di pasar kerja.Kata Kunci: Audit Sistem, Maturity Level, Rekomendasi, Deliver, Service and Support (DSS), Monitor, Evaluate and Assess (MEA)

Riski Seventin Manurung; Suratni Ginting; Yefta Vianus Marbun

Port Management and Maritime Administration Journal 2026 Indonesian Maritime Researchers and Lecturers

The process of extending the International Maritime Dangerous Goods (IMDG) certificate for the Pegasus 3 Barge through SIMKAPEL at the Banten Class I KSOP Office at PT. Pasmaritim Samudera Nusantara, Cilegon Branch. The IMDG Code is intended to protect ship crews and also warn them that their vessels are carrying dangerous goods. An expired International Maritime Dangerous Goods (IMDG) certificate is a crucial step in maintaining a ship's seaworthiness, particularly for vessels transporting dangerous goods. Processing the renewal of an International Maritime Dangerous Goods (IMDG) certificate for a ship is done through the Shipping and Maritime Information System (SIMKAPEL) The Director General of Sea Transportation's system facilitates digital ship certificate renewal services. SIMKAPEL simplifies renewals and saves time and effort by requiring in-person visits to the Banten KSOP office. Service users can access application status anytime and anywhere. The method used in this research was field research namely in the form of direct observation and taking pictures based on the activities of processing ship certificate extensions through SIMKAPEL as well as library research, namely through books in the POLTEK AMI Medan library as well as online books, websites and journals related to the research object.

Rendy Johanes Martin Sihombing; Suratni Ginting; Muhammad Sahid

Port Management and Maritime Administration Journal 2026 Indonesian Maritime Researchers and Lecturers

This study aims to analyze the role of the tally man at PT. Gelora Perkasa Belawan in supporting the effectiveness and smoothness of loading and unloading processes at Belawan Port. As the front line in cargo supervision, the tally man bears a crucial responsibility for recording the quantity, condition, and types of goods, which serve as the primary data for company reports. The research method employed is descriptive qualitative, with data collection techniques involving field observations, interviews with operational staff, and literature reviews conducted during the internship period. The findings indicate that while the tally man performs a vital function as a supervisor and data recorder, their performance is often hindered by high workloads and a limited number of personnel. The main obstacles identified include dual responsibilities, which lead to decreased data accuracy and risks of operational delays due to physical fatigue. Optimization efforts are carried out by increasing personnel during peak hours and improving accuracy in validating cargo documents. The study concludes that strengthening the tally man's role through better workload management is essential for ensuring logistical reliability and the efficient flow of goods at the port.

Syahrul Tanjung; Mursal Amri Harahap; M Taufiq Aldiansyah; Heri Yunus; Siti Aisyah

Nusantara: Jurnal Pengabdian kepada Masyarakat 2026 Pusat Riset dan Inovasi Nasional

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in driving local economic development, particularly in rural areas that rely on the utilization of local natural resources. However, many MSMEs still face challenges in marketing aspects, especially limited use of digital technology, weak branding, and unattractive product packaging. This community service activity aims to strengthen the marketing strategy of the “Nek Surati” cassava chips MSME located in Dolok Village, Nagori Boluk, Bosar Maligas District, Simalungun Regency. The methods employed include field observations, interviews with MSME actors, descriptive analysis of existing problems, and practice-based (hands-on) assistance through digital marketing training, improvement of packaging design, and strengthening of product branding. The results indicate an increase in the digital readiness of the MSME actor, as evidenced by the adoption of WhatsApp Business, the creation of digital product catalogs, and the utilization of social media as a promotional tool. In addition, improvements in packaging design and brand identity enhanced the visual appeal and product image in the eyes of consumers. This assistance activity had a positive impact on improving the marketing capacity of the MSME and opened opportunities for expanding market reach. With continuous assistance, the “Nek Surati” cassava chips MSME has the potential to increase its competitiveness and contribute more significantly to the local economy.

Yemima Meidina Rista Br Sembiring; Edelwis Pardosi; Agriva J. Pandiangan; Sriwati Sihombing; Hisardo Sitorus

Jurnal Riset Rumpun Ilmu Pendidikan 2026 Lembaga Pengembangan Kinerja Dosen

This study aims to analyze Paul as an educator through an epistemological and methodological examination of his letters, as well as an examination of his teaching style within the context of the early church. This research approach is qualitative theological, employing exegetical and hermeneutic analysis of New Testament texts, particularly Paul's letters. This analysis reveals that Paul's educational epistemology is rooted in his encounter with Christ as the source of all truth and spiritual knowledge. According to Paul, knowledge of faith is not the result of human rationality, but rather God's revelation, understood through the work of the Holy Spirit (1 Corinthians 2:10–13). Methodologically, Paul demonstrates a dialogical, argumentative, relational, and transformative teaching approach. He uses logical and communicative rhetoric to guide the congregation in a reflective understanding of the Gospel and emphasizes the importance of living examples as a means of learning faith (1 Corinthians 11:1). Paul also developed a Christocentric and communitarian teaching style, where the church is seen as a living, mutually edifying space for learning about faith, centered on the love of Christ (Colossians 1:28; Ephesians 4:11–16). The results of this study indicate that education, from Paul's perspective, aims for life transformation, not merely the transfer of knowledge. Paul views education as a process of discipleship that produces new life in Christ (Romans 12:2; Galatians 2:20). Thus, Paul's educational model provides theological and practical contributions to contemporary Christian education, placing Christ at the center of epistemology and love as the primary method of teaching.

Al-Zachra Aprilya Jasmon

Desentralisasi : Jurnal Hukum, Kebijakan Publik, dan Pemerintahan 2026 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

This study investigates allegations of fabricated Accountability Letters (SPJ) and budget irregularities at the Tanjungpinang City Women's Empowerment, Child Protection, and Community Empowerment Agency (DP3APM), just as the regional budget deficit reached Rp97 billion. Internal reports and local media coverage reveal strong indications that funds allocated for outbound activities were diverted to purchase clothing and shoes, which were then used for the Proclamation Walk even though the outbound activities themselves never materialized, raising suspicions of fictitious SPJs and a lack of transparency in the management of public funds. Qualitative descriptive methods were applied through in-depth analysis of news documents, official statements, and regional financial management regulations such as Law No. 23/2014 concerning Regional Government. The analysis highlights violations of fiscal accountability principles under the pressure of the local budget crisis, recommending a comprehensive independent audit by the Supreme Audit Agency (BPK) or regional inspectorates, along with oversight reforms involving the digitization of financial reports to prevent a repeat in other regional governments across Indonesia.

Ramadhon, Achmad Idris

Journal of Administrative and Sosial Science (JASS) 2026 Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

The number of housing units with the handover of residential Prasarana, Sarana, dan Utilitas (PSU) by developers in Sidoarjo Regency is inversely proportional. As of 2023, there were 535 housing units, and 25 Surat Keterangan Rencana Kota (SKRK) were issued in 2024, whereas the number of Berita Acara Serah Terima (BAST) for the handover of residential PSU until September 2025 was only 128. However, the handover of residential PSU to the Regional Government is a mandatory obligation for every developer. This research focuses on the implementation of Sidoarjo Regent Regulation Number 53 of 2024 concerning Procedures for the Handover and Utilization of Residential PSU. The purpose of this research is to examine the extent of implementation of this regulation. This study uses a qualitative method with a case study approach. The results show that the implementation of Sidoarjo Regent Regulation Number 53 of 2024 has been running well, with a focus on improving Human Resources and inter-agency communication.

Gede, Muhammad Habib Ali; Mulyadi , Roza; Haryono, Selly

Jurnal Publikasi Ekonomi dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study examines the implementation of the Coretax system in preparing electronic withholding tax slips (e-Bupot) and submitting Monthly Income Tax Article 21 (PPh 21) Returns at PT RSA. Coretax, launched by the Directorate General of Taxes (DGT) and officially implemented on January 1, 2025, is part of the government’s effort to modernize tax administration and improve taxpayer compliance. The research uses a qualitative descriptive method with a case study approach. Data were obtained through interviews with personnel responsible for PPh 21 administration, direct observation of e-Bupot preparation and monthly tax return filing through Coretax, and documentation review of tax reports and withholding slips. The analysis compares PT RSA’s practices with applicable tax regulations and identifies technical challenges during system use. The results show that PT RSA has complied with prevailing regulations, including the application of the Average Effective Rate (TER) and the utilization of Coretax for tax administration. However, technical constraints remain, particularly unstable internet connections and slow Coretax server performance during peak reporting periods, leading to data entry delays and upload failures. Therefore, improvements in system stability and performance are needed to support timely reporting and optimal tax compliance.

Ainul Faradisa; Soffiana Agustin

JURNAL ILMIAH KOMPUTER GRAFIS 2025 UNIVERSITAS STEKOM

The manual archiving process within the Gresik Education Office continues to encounter significant challenges, including difficulties in correspondence tracking, document misplacement, and inefficiencies in disposition management. To address these issues, this study proposes the design and implementation of a Web-Based Archiving and Correspondence Monitoring System developed using the Waterfall methodology. The system aims to facilitate the digital transformation of administrative correspondence through three primary pillars: secure user authentication, flexible digital workflows, and compliance with electronic archival standards. Core features include centralized document management, automated disposition processes, electronic signature verification, and real-time notification integration via WhatsApp. Implementation results demonstrate that the proposed system enhances efficiency, traceability, and accountability in correspondence management at the Gresik Education Office.

Nugraha, Dwi Putra; Kiki Amaliah

Notary Law Research 2025 Program Studi Kenotariatan Program Magister Fakultas Hukum UNTAG Semarang

Penelitian ini menganalisis dasar hukum dan tanggung jawab notaris dalam tindak pidana pemalsuan akta otentik berdasarkan Kitab Undang-Undang Hukum Pidana (KUHP) dan Undang-Undang Jabatan Notaris (UUJN). Notaris memiliki kewenangan membuat akta otentik yang berkekuatan hukum sempurna, namun hal ini juga menciptakan celah bagi pemalsuan yang merugikan. Pemalsuan akta termasuk tindak pidana pemalsuan surat, menimbulkan kompleksitas dalam menentukan batas tanggung jawab notaris karena kewajiban verifikasi notaris yang terbatas dalam investigasi materiil, serta adanya perbedaan pendekatan antara KUHP dan UUJN. Penelitian ini menggunakan metode hukum normatif dengan pendekatan statute dan conceptual, mengkaji peraturan dan literatur hukum. Hasilnya menunjukkan bahwa notaris dapat dikenakan sanksi pidana jika terbukti sengaja terlibat dalam pemalsuan. Kesimpulannya, diperlukan harmonisasi antara KUHP dan UUJN untuk memastikan kepastian hukum bagi notaris dan masyarakat, dengan penekanan pada pembuktian unsur kesengajaan (dolus) notaris.

Novi Agatha; Sigit Irianto

Notary Law Research 2025 Program Studi Kenotariatan Program Magister Fakultas Hukum UNTAG Semarang

Perjanjian kredit antara lembaga perbankan dan pelaku usaha mikro, kecil, dan menengah (UMKM) merupakan instrumen penting dalam mendukung pertumbuhan ekonomi. Namun, dalam praktiknya, tidak jarang terjadi wanprestasi dari pihak debitur  yang  berdampak  pada  hubungan  hukum  dan keberlangsungan  usaha.  Penelitian  ini  bertujuan  untuk mengkaji: 1) bagaimana proses pengajuan dan pelaksanaan perjanjian kredit antara Bank BRI dan UMKM Konveksi Parasit di Daerah Istimewa Yogyakarta; 2) apa saja faktor yang menyebabkan terjadinya wanprestasi oleh debitur; dan 3) bagaimana mekanisme penyelesaian wanprestasi yang dilakukan oleh pihak bank. Metode penelitian yang digunakan adalah pendekatan yuridis normatif yang didukung oleh data primer. Spesifikasi penelitian bersifat deskriptif analitis dengan jenis dan sumber data berupa data sekunder yang diperoleh melalui studi pustaka, serta data primer yang diperoleh melalui wawancara dengan pihak terkait. Teknik analisis data dilakukan secara kualitatif untuk menginterpretasikan norma hukum dan fakta empiris secara sistematis. Hasil penelitian menunjukkan bahwa: 1) proses pengajuan kredit dilakukan melalui prosedur formal dengan dokumen pendukung yang sah, dan dituangkan dalam Surat Pengakuan Hutang; 2) wanprestasi terjadi karena kombinasi faktor internal seperti pengelolaan usaha yang kurang optimal dan faktor eksternal seperti penurunan permintaan pasar; dan 3) penyelesaian wanprestasi dilakukan melalui eksekusi agunan, pelaporan ke otoritas keuangan, serta pendekatan persuasif seperti restrukturisasi kredit. Penelitian ini menegaskan pentingnya edukasi hukum bagi pelaku UMKM dan penerapan prinsip keadilan dalam penyelesaian sengketa kredit.