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Technological developments have given rise to various new innovations to make it easier to fulfill human needs, one of which is online lending and borrowing services. Shopee Pinjam or SPinjam is an example of an online loan service that includes standard clauses in the contract agreed by the debtor. The problem that often occurs due to easy access to borrowing and lending through SPinjam is misuse of data for other people's needs or what is known as name lending. The purpose of writing this research is to find out how legal accountability is given to the parties. The research method used is a normative research method, with deduction analysis techniques. The results of this research indicate that the name borrowing agreement made between the name borrower and the name giver is an oral agreement that has weak legal force. This agreement is only binding on the party making it without any intervention from SPinjam. Legal responsibility regarding the repayment of SPinjam is an absolute responsibility that must be fulfilled by the debtor who agrees. The name borrower cannot be burdened with legal responsibility because the name borrowing agreement has not been specifically regulated in positive law in Indonesia so that the solution to the problem that can be done is by deliberation between the name borrower and the name giver.

Children born in a valid marriage according to the Rote tradition sometimes have their status not recognized in society if the relationship between the parents and the family is not harmonious or if problems occur in the marriage process which has an impact on the child's relationship with the biological father and the father's family. The aim of the research is to determine the status of children and the position of children born in a legal customary marriage according to the customary law of the Rote indigenous community in the inheritance system. The results obtained: giving a dowry (belis) will create a continuous reciprocal relationship between both sides of the family, the status and position of children born in valid marriages according to Rote customary law, because if the relationship between the parents is not harmonious then the child's status is not recognized as the child of the biological father so he cannot claim his rights as an heir. The parties involved have a role and function to make an agreement that does not burden either party, and provides a sense of justice for each party, so that the dispute can be resolved amicably. does not destroy the order of traditional values ​​in society.

Mruwak is one of the villages in Madiun Regency where the majority of residents work as farmers. The food commodity most widely grown in the village is rice, while the rest are corn, sweet potatoes and peanuts. With the existence of a supply chain system, it is hoped that it can help farmers determine rice marketing routes effectively and efficiently. The aim of this research is to determine the supply chain system for rice produced by farmers in Mruwak Village. This research is qualitative in nature and the sample was selected purposively and using snowball sampling. The research results show the rice process, starting from land processing, rice planting, to maintenance and harvest. The farmers in the village have experience in growing rice, on average they have been growing rice for more than 10 years so they understand how to grow rice properly, including selecting superior seeds. The supply chain distribution channel used is a simple distribution channel model (1 to 3 level distribution channel model). Determination of selling prices based on agreements between farmers and buyers through demand and supply mechanisms (market mechanisms).  

Notaries should be responsible for drafting and issuing credit agreements between banks and debtors in order to provide legal certainty for all parties involved. In an effort to achieve legal certainty, especially in banking credit agreements with standard clauses, Notaries must ensure that their duties are carried out in accordance with applicable principles and provisions. This research aims to analyze unbalanced standard clauses in credit agreements made by Notaries and to examine the liability of Notaries for credit agreements that utilize standard clauses. The approach method used is the doctrinal legal research method, using literature examination or secondary data to examine relevant regulations and literature. The preparation of this research uses an analytical descriptive approach which aims to explain the data or describe the object of the problem being studied. The results of the research show that the responsibility of the Notary for credit agreements that apply standard clauses is that if the agreement made by the Notary has elements of unlawful acts, the Notary has an obligation to be responsible in accordance with civil provisions by providing compensation to parties who lose as a result of the agreement in accordance with the provisions stipulated in Article 84 of Law Number 2 of 2014 concerning Notary Offices.

This study examines students' resistance and arguing behavior towards teachers in the learning process. The purpose is to identify the causative factors and their impact on the effectiveness of learning. The results of the study show that the disputing behavior can be caused by a lack of motivation, disagreement with teaching methods, or personal problems that affect the emotional state of students. This behavior can disrupt the focus of other students and prevent the teacher from delivering the material effectively. Therefore, good cooperation between teachers and students is needed to create a conducive learning atmosphere. An approach that emphasizes awareness, empathy and responsibility for students is important in overcoming this problem. This research provides valuable insights for schools, teachers, and parents in understanding and addressing oppositional behavior, so as to improve the effectiveness of the learning process.

Ineffective communication and negotiation can have negative consequences for the company, such as loss of customers, decreased product quality, and decreased trust with customers. Therefore, companies must have effective communication and negotiation strategies to increase business success. This research aims to analyze how communication and negotiation strategies can increase business success. This research uses a descriptive approach with qualitative methods, data collection techniques through literature study. Analyzing data using a qualitative analysis approach, this research concludes that in increasing business success, communication and negotiation strategies play an important role. Effective communication allows companies to interact with customers, partners and other parties more effectively, thereby increasing customer satisfaction, loyalty and business reputation. Meanwhile, good negotiations allow companies to reach profitable agreements with other parties, such as business partners, suppliers and customers. Therefore, companies must have good communication skills to interact with other parties and effective negotiations to reach profitable agreements

Issues regarding non-performance of an agreement can be resolved in two ways, namely outside court and through court. The Pati Court is one of the courts that handles many default resolutions, in terms of settlement through the courts. The judge's consideration is an important component in determining the fate of both parties, namely the plaintiff and defendant, who in terms of the agreement are creditor and debtor. We can see the judge's considerations in the case of default in case number 219/Pdt.GS/2023/PN.Pti. The aim of this research is to find out how considerations are taken to decide a case of tort and how the proof of the elements of tort is fulfilled. The research method used is a normative juridical method with a statutory approach, norms contained in regulations regarding agreements and a case approach. The results of the research show that, according to article 1320 of the Civil Code, the legal conditions for an agreement are agreement, competence, certain objects or things, and cause or lawful reasons, and it is stated in article 1238 of the Civil Code that a person is considered to be in default when he is negligent and does not carry out his obligations until after the time limit specified in the agreement he has agreed to. The judge's considerations in deciding case number 219/Pdt.GS/2023/PN Pti. is appropriate because based on the written evidence attached by the Plaintiff at the trial, then according to the evidence attached the Defendant is declared guilty or in default.

development of sharia economics in Indonesia, sharia financial institutions, especially Baitul Maal Wat Tamwil, have the main goal of being able to help and alleviate problems, especially the problem of limited capital based on Sharia principles. Because many entrepreneurs have limited business capital. Therefore, with this research, entrepreneurs who need it will have information about the financing mechanism with a Mudharabah agreement, for those who have limited business capital. BMT UGT Nusantara has several financing products, one of which is the mudharabah contract. Mudharabah financing is an agreement where the shohibul maal provides funds to the mudharib with the profits divided according to the profit sharing and nibah agreed at the beginning of the contract. The mudharabah financing mechanism at BMT UGT Nusantara Kepanjen requires members to fulfill the requirements, then the BMT will carry out analysis and observations to ensure the eligibility of the recipient of the financing, if it has been approved they will inform you of the disbursement of funds and carry out an agreement. When the contract is executed, BMT and the customer enter into an agreement on the division of the ratio and margin. This research uses qualitative methods, with field research and interviews with BMT staff as a means of obtaining information

This research is about the Authority of Notaries to Make Covernotes. Regarding making covernotes by Notaries, until now there is no legal umbrella, but in practice Notaries make covernotes in the credit agreement process. This type of research is empirical juridical research and uses a statutory legal approach. The research data used is secondary data and primary data. Secondary data is data obtained from interviews with Notaries in the City of Yogyakarta and the Chair of the Regional Supervisory Council of the Special Region of Yogyakarta Province. Secondary data comes from legislation and other legal materials. Research data was analyzed using a quantitative approach. The results of this research explain: Covernotes are made based on custom and based on material law, namely the law of engagement. If there is a formal legal source in the form of custom, it is acceptable, does not conflict with the law and is carried out repeatedly, which causes the action to be considered the truth and does not conflict with applicable law. .Even though the position of the covernote is still considered not to meet legal certainty. Covernotes have also been explicitly discussed by the Management of the Indonesian Notary Association that the UUJN does not regulate the making of covernotes by Notaries regarding activities or implementation of Notarization.

This article aims to analyze the representation of Jember culture in the Jember Fashion Carnival (JFC) using Stuart Hall's representation theory approach.  The main concepts applied in this analysis are change and resistance, which are used to understand how cultural symbols are represented and interpreted in JFC.  The data collection process was carried out through literature study.  Where the data obtained comes from the results of research and scientific work of other people which is studied and then developed.  Data analysis was carried out by combining the concepts of Stuart Hall's representation theory with the findings found in the JFC event.  The results of the literature study analysis show that JFC is an important forum for representing Jember's cultural identity through costume modifications, dance, music and other performances.  In addition, the media plays an important role in the spread and influence of these cultural representations.  In the context of Stuart Hall's representation theory, change refers to the transformation of cultural symbols in the JFC, while resistance describes the process of building cultural representations through interactions and agreements between JFC actors, the government and society.  Through this process, Jember's cultural identity is represented and interpreted in JFC events.  The implication of the results of this research is the need for continuous support in developing and promoting Jember culture through collaborative efforts between the government, cultural actors and the community.  In this case, JFC can be an effective means of strengthening and expanding understanding and appreciation of Jember's cultural identity.

This research aims to understand the communication carried out by PT Digimarly Solusi Digital in carrying out the lobbying and negotiation process with clients so as to create mutually beneficial cooperation. The theory applied in this research is Persuasion Communication Theory because this theory is related to the lobbying and negotiation process where individuals or groups involved in the lobbying and negotiation process must have the ability to convince interested parties to agree and adopt a certain attitude, statement, opinion, and behavior. The methodology used is qualitative research, with the research subject being PT Digimarly Solusi Digital which is a social media service company that provides digital marketing consulting services to the community, especially MSME players. Data was collected through in-depth observations and interviews with the Head of Department of Sales and CRM (Customer Relationship Management) as well as through library research. The results showed that the lobbying and negotiation strategies applied were Direct Lobbying and Win-Win Solution with the Cognitive Problem and Networking approach methods which aimed to equalize perceptions between PT Digimarly Solusi Digital and clients so as to find a mutually beneficial cooperation agreement between the two parties and maintain a long-standing good relationship.

Human rights are the rights of every person, regardless of religion, race, ethnic origin, gender, sexual orientation, or social class. These rights are derived from human dignity created by God Almighty. The state, law, government and society must respect, support and protect human rights. The constitution is a civil agreement or consensus of the people that has provisions to control and guide state leaders in carrying out their duties and responsibilities, so that national leaders have a compass to know the direction and goals agreed upon in the hands of the people and the constitution. This research uses descriptive research, which is a research process to determine the value of one or more variables concerned. The results of this research show that there are many human rights challenges in Indonesia, such as discrimination is still a problem that affects the lives of many people. Discrimination can occur in various areas, such as education, healthcare, and employment. Among the many groups that face discrimination in Indonesia are ethnic minority groups and women.

Health Insurance is a part of insurance that specifically guarantees the health or care costs of insurance members if they fall ill or have an accident. The purpose of this health insurance is to provide health insurance to health insurance recipients, namely entrepreneurs and workers. Such research This can evaluate the economic benefits of health insurance, protection against medical costs, as well as the potential for reducing financial stress when facing health conditions that require expensive treatment. This research was carried out by reading and doing various things, especially studying various literature - existing literature, obtained through qualitative descriptive methods, sourced from books, journals, the internet and articles. The results of this research show that in the Islamic economic view, health insurance is permitted because there is no text that prohibits it and it fulfills the contract or agreement and in it there are elements that are mutually beneficial to both.

Bank Syariah Indonesia has been providing Islamic financial products and services, including murabahah agreement, in order to cater to the growing demand for Sharia-compliant financing options. One of the key areas where murabahah agreement is applied is in the financing for purchasing homes, known as Griya Purchase Financing. Griya purchase Financing is one of the financing companies owned by BSI KCP Gatsu Denpasar. However, this financing often encounters problems in the purchase process. The aims of this study are: to find out the factors that lead to a murabahah contract in the financing of a purchase griya at BSI KCP Gatsu Denpasar and to find out the process of financing the griya purchase at BSI KCP Gatsu Denpasar. The research method used is a descriptive qualitative method with data collection techniques through observation, interviews, and documentation. The data analysis technique used is the Miles and Huberman model, which includes data collection, data reduction, data presentation, and data verification. data validity technique with the triangulation technique. The results of the study found: 1) There are factors that cause a murabaha contract to occur, namely the presence of the object of the contract; 2) The murabaha contract process by submitting asset documents to the consumer as a sign of consent qabul with the consumer. And financing for purchase houses that are free from usury in accordance with the Fatwa of the National Sharia Council, MUI No.04/DSN-MUI/IV/2000, dated April 1, 2000, conceming murabahha.; 3) The process of financing purchase housing includes BSI having the terms and benefits of financing purchase housing. To attract consumer, as well as with light installments, one of the benefits of purchase financing at BSI is that consumers still feel able to meet other needs.

Customers who enter into insurance agreements online receive legal protection based on Law no. 40 of 2014, Consumer Protection Law, Civil Code, KUHD, and Law no. 11 of 2008 concerning Information and Electronic Transactions. Thus, an online insurance policy is recognized as a legally valid electronic document, both in digital and printed form. OJK is responsible for insurance supervision, both online and offline, with a focus on aspects of governance, business ethics and financial health. This supervision includes analysis of reports, examinations and investigations, which are part of the OJK's duties in regulating and supervising the financial services sector in Indonesia.  

International agreements, which may include bilateral, regional or multilateral agreements, are recognized as laws that compel parties to comply (pacta sunt servanda). If an International Agreement has been ratified through a ratification process by a country, then the agreement has binding status and must be implemented by all parties and acts as a source of law in the decision-making process by law enforcement officials. In Indonesia, the same principle is applied to every International Agreement that Indonesia has participated in, whether it has gone through the ratification process or not, where the agreement has binding legal force for all parties involved.

Parenting or parenting is a relationship between parents and children who are close and share effective parenting models. Technological advances in the era of globalization have greatly influenced the parenting process which is no longer limited to local culture. Various problems arise related to parenting and communication between parents and children. Interpersonal communication is communication carried out in two directions individually or in groups which elicits responses from both. This research aims to describe the application of digital parenting concepts by parents to children aged 2 -5 years in RT005/RW 007 Gunung Anyar Emas Housing Complex and determine the role of digital parenting in interpersonal communication between parents and children aged 2 -5 years. The method used is qualitative with a descriptive analysis approach. The subjects studied were parents and children aged 2-5 years, totaling 5 people who implemented digital parenting. The research results showed that the application of the digital parenting concept includes: 1) implementing rules and agreements in using gadgets; 2) guiding and accompanying children; 3) use child mode as parental control; 4) balance children's play time. In this way, interpersonal communication between parents and children develops as expected. This means that children's use of gadgets does not have a negative effect. This cannot be separated from the role of parents in caring for children digitally.

The issue of plastic bags continues to be a significant topic globally in waste management. Their relatively low cost, ease of use, and accessibility have made plastic bags an integral part of human life. With increasing plastic bag usage, inevitably comes an increase in plastic waste. Moreover, the rapid usage cycle of plastic bags, as they are typically single-use items used only temporarily, exacerbates the problem. If plastic waste is not optimally managed, it will have negative environmental impacts. To address this, the retail company Alfamart has begun employing green marketing strategies to promote the "Plastic Bag Diet" by offering environmentally friendly shopping bag products (Eco Bags). This aims to raise awareness and concern among the public for environmental sustainability by reducing plastic bag usage during shopping. Apart from Alfamart, other competing retail companies have also adopted similar strategies and offer eco-friendly bag products. The intensifying competition among retail companies forces managers to reconsider their strategies to win market share. The issuance of the Bali Provincial Regulation on Limiting Single-Use Plastic Waste is based on Article 12 paragraph (3) and Article 13 paragraph (2) of Bali Provincial Regulation Number 5 Year 2011 concerning Waste Management. This reflects the negative impacts that can arise if waste is not properly managed. The enactment of local regulations prohibiting the use of single-use plastic indicates a legal policy direction towards environmental conservation. The research method used in this study is a juridical normative method with a literature review approach, focusing on legal norms including principles, norms, rules, regulations, agreements, and doctrines. Therefore, this study aims to analyze the effects of green marketing on attracting purchasing interest and persuading the public to make purchasing decisions on Eco Bag products at Alfamart as alternatives to plastic bags.

Eduwisata village is a form of development of a village that combines elements of tourism with education and learning. The establishment of eduwisata village aims to make people aware of the importance of culture and the environment. In addition, eduwisata village is used as a means of empowering the community's economy. In eduwisata village,there are communities that play a role in increasing the value of the production sector, UMKM, and the economy as well as the economic potential of the village itself. In the process of developing the eduwisata Village program, there is cooperation with various agencies such as local governments, educational institutions, local communities, and the private sector. This study uses the theory of Smelser and Swedberg (2005) suggests that economic sociology focuses more on sociological analysis of economic processes, such as the formation of prices (agreements) between actors with economic actors, the interaction between the economy and other institutions in society, and institutional dynamics and cultural parameters that become the foundation.  

This research aims to find out how the legal validity of electronic sales and purchase agreements made by minors is reviewed in contract law and Law Number 19 of 2016 concerning electronic information and transactions and what legal consequences arise from the legal validity of electronic sales and purchase agreements. What Minors Do According to Contract Law and Law Number 19 of 2016 concerning Information and Electronic Transactions. Normative legal research uses normative case studies in the form of legal behavioral products, for example reviewing laws. The subject of the study is law which is conceptualized as a norm or rule that applies in society and becomes a reference for everyone's behavior. So normative legal research focuses on positive law inventory, legal principles and doctrine, legal discovery in cases in concreto, legal systematics, synchronization level, legal comparison and legal history. The results of this research show that (1) Agreements in electronic transactions via electronic media made by minors are said to be invalid because they conflict with the conditions for the validity of agreements in the Civil Code and the Electronic Information and Transactions Law (2) The legal consequences of agreements in electronic transactions via electronic media for minors for legal settlement efforts can only be carried out through guardianship. If minors do not meet the subjective requirements, namely the ability to make an agreement, the agreement made can be cancelled.