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The provision of credit / loans by credit-giving institutions, both banks and other financial institutions, is intended as an effort to make a profit, so the lending institution views credit / loans as a reliable source of income or profit. In connection with the issue of credit / loan provision, credit institutions such as PT. BPR Arto Moro Semarang as the party that lends money (creditors) needs to get a guarantee as a condition for the loan that the debtor will receive on condition that he gives interest when repaying the loan. In practice, the obstacles that PT. BPR Arto Moro Semarang, especially for debtors with guarantees by using the Deed of Providing Mortgage Rights (APHT) which is registered with the National Land Agency (BPN), if the credit is jammed and failed to promise, the bank will take the final step in accordance with applicable law, namely implementing execution of mortgage rights through the Office of State Wealth and Auction Services (KPKNL) or through the District Court (PN). The type of research used in this research is normative juridical. Juridical research, is used, among other things, to analyze various legal theories and laws and regulations related to the juridical review of the accounts payable agreement as a principal agreement with guarantees of insurance rights at PT. BPR Arto Moro Semarang. Juridical means that this research emphasizes the science of law. Meanwhile, normative is this research that examines the rules that apply in society. Thus normative juridical is an approach to the study of legal problems from the aspect of applicable legal regulations. The results of this study are: the settlement of bad credit tied to mortgage rights at PT. BPR Arto Moro Semarang after performing credit rescue through 3R (rechedulling, restructuring and reconditioning). Before the execution of mortgage rights is carried out, non-litigation measures by way of selling collateral based on mutual agreement based on paragraph (2) article 20 of the Mortgage Rights Law. During 2018 to 2020 Mortgage Execution can contribute to the settlement of non-performing loans as much as 45% or Rp. 15,731,212,000, - from an amount of Rp. 34,964,970,686, -. Meanwhile, the occurrence of bad credit is due to internal factors: a. Loans not fully channeled for business, b. Business management skills are still lacking, c. Very tight business competition. External factors are due to unstable economic conditions, which consequently have an impact on the ability of customers to pay off their debts.   Keywords : Bad credit, collateral, execution, and mortgage.

One of the advantages or advantages of online buying and selling activities with the current cash on delivery (cod) system is very helpful for everyone in terms of meeting all their needs. By only capitalizing on waiting for the order to arrive at home and being paid after the goods arrive at the hands of consumers. However, in addition to these positive things, there are also several risks arising from transactions using the cash on delivery (cod) system, one of which is canceling the order even though the goods have reached the consumer's address. This also happened in the online shop "sweeter shop" in Glagahwero Village, Kalisat District. The problems in this study are How is the practice of canceling orders in online buying and selling Cash On Delivery (COD) system at the Online Shop "Sweeter Shop" in Kalisat District and how is the view of muamalah fiqh on the cancellation of orders in online buying and selling Cash On Delivery (COD) system. The research method used is using a qualitative approach. In determining data sources using purposive techniques, while the data collection methods used are interview, observation and documentation methods. The conclusions of this study are: that the practice of canceling orders with a COD payment system includes a Wakalah Bil 'Ujrah contract and occurs due to a fasakh. The cancellation is also motivated by several reasons, namely that the goods displayed on social media do not match what consumers receive, the budget is not enough and the buyer has other options. According to the concept of fasakh, cancellation in a sale and purchase transaction is permitted as long as there is an attitude of an taradhin (mutual willingness) between the two parties.    

Managing human resources optimally, in this case employees in an organization, both non-governmental organizations and governmental organizations, is very important in conditions with an increasingly high level of competition. Employees needed at this time are those who have the attitude to carry out their duties and responsibilities properly, so that the goals to be achieved can be realized. Various problems that are currently being faced require companies/organizations to find solutions that are fast, precise, and accurate, especially problems related to human resources in companies/organizations. In this condition, it cannot be denied that labor or employees are the lifeblood and the most important element that is needed by the company/organization, without employees it is difficult to achieve the desired goals. Sutrisno (2012) that the biggest real threat to economic stability is a workforce that is not ready to face the challenges and changes that are happening around it. Thus, efforts are needed to be able to create and form employees who have a loyal attitude towards work, have creativity, are able to demonstrate work innovation, have forward orientation, and have the ability to think critically.

Building a report card and ITOP Approach in reducing violence in schools. This title was born because of the problems of Kanisius Immaculate Kindergarten students about an increase in violence that occurred in schools. As for the source of the problem is the relatively large number of students per class and only 1 teacher is taught and also the age of kindergarten children who are relatively small and still at the stage / period of imitation. That The target of this service is the parents of Kanisius Immaculate Kindergarten students, who are their favorite schools. This school has 90 students, so it requires more attention and is prone to violence. This service was carried out first by means of counseling then continued with training on building rapport and the ITOP approach. However, because this service was carried out during a pandemic, only 54 of the 90 parents attended (60%). After counseling and training on building rapport and the ITOP approach in reducing violence in schools there were 51 people (94.45%) of 54 people who mastered both counseling and training materials, while 3 (5.55%) did not master the training because not serious about doing training. So it can be concluded that this dedication was successfully seen from: 1. Based on the attendance of the participants it is said to be successful because it is attended by 60% 2. Based on the mastery of the participants it can be said to be successful because there are 94.45% masters 3. Those who do not understand are relatively small, namely only 5.55%

The Community Partnership Program (PKM) on creative art innovation "LUBA" was carried out in collaboration with UKM Rukun Makmur located in Klaten Central Java. There are centers of batik as well as lurik in the area but they arey have not been optimized. Therefore, this PKM activity focuses on new product innovation by combining lurik and batik crafts into innovative handicrafts called lurik batik (LUBA) which at the same time can act as a unique and iconic Klaten souvenir to support regional tourism development.There are several problems faced by UKM Rukun Makmur as partner. Based on these problems, this program aims to find solutions to all these problems by using several methods including counseling, discussing, training, and mentoring. The results of this PKM activities show that UKM Rukun Makmur has been able to increase their creativity to create designs, motifs, and varied color of lurik batik (LUBA) handicraft products.

This research is to find out how self-harm is formed in adolescents and what causes adolescents to do self-harm. This research is a qualitative descriptive approach using a quisiner observation method and a phenomenological study, namely a research strategy where researchers identify human experiences regarding a particular phenomenon. According to the study of phenomenology, it allows researchers to apply and apply their informant and interpersonal skills in conducting research. The data collection technique used in this study was using the SSCT test, SHI Questionnaire (self Harm Inventory), observation, closed interviews via WhatsApp. Self-harm is self-harm behavior defined as a person's behavior to injure oneself in various ways regardless of whether or not there is an intention and desire to die in adolescence. 19 years old who have done self-harm behavior Since the age of 16 years, then the 18-year-old A.A woman has done self-harm since high school at the age of 15 years. . The results showed that the form of self-harm behavior carried out by these teenagers showed behavior of crying in the middle of the night, blaming themselves, feeling empty, scratching, slashing on the surface of the skin, taking drugs randomly of any brand, drinking shampoo, speeding. speeding with a motorbike on the highway likes bloody pictures with a sense of relief, listening to music at a loud volume using the handset until the ears hurt. Factors that cause adolescents to carry out self-harm behavior are disappointment in parents, fear of emotional fathers, disappointment in mothers who do not pay attention, stress when bullied at school to depression caused by lack of ability to control negative emotions that are buried in individuals because some of the problems that occur in adolescents such as the lack of harmony and warmth in family relationships, problems with peers, and bullying.

KOSPIN SEKARTAMA is a company engaged in savings and loan services located at Central Main Street No. 141 Weleri Central Java. has several superior products including Multipurpose Loans, and PRIMA Loans (Special Offerings of SEKARTAMA), and also has savings products namely SIMAPAN (Future Savings), and SIMADEB (Future Savings) and has a new product, Haji Portion Financing. The new product is still constrained in the delivery of information because it still uses conventional media which in the present era is deemed ineffective and has less coverage. The problems studied in this design are how to design new media that is more effective and extends its reach. Therefore, the purpose of this design is to produce a financing advertisement for the Haji portion as a promotional medium for KOSPIN SEKARTAMA with the Direct Marketing method and is more focused on online marketing indicators for the application of these advertising products. The design of advertising as a promotional media is expected to be an effective means of promotion and can facilitate communication with the target, namely people who wish to do Haji but have limitations in directly registering for Haji.   Keywords: KOSPIN SEKARTAMA, Haji Portion Financing, Advertising, Direct Marketing

One of the businesses that is growing rapidly in Indonesia today is the multi-level marketing (MLM) business. MLM is a method of marketing goods or services from a system of selling goods directly through a marketing program in the form of more than one level, where business partners get sales commissions and sales bonuses from the sale of goods or services carried out by themselves and network members in their group. In general, this thesis discusses the multi-level marketing (MLM) business at PT.Melia Sehat Sejahtera in Jember district, with problems namely (1) how is the bonus system at PT.Melia Sehat Sejahtera in Jember district, (2) how is the review of Sharia Economic Law against the bonus system at PT. Melia Sehat Sejahtera in Jember district. This study uses a field research method with a descriptive approach which is useful for providing information, facts and data regarding the network bonus system at PT.Melia Sehat Sejahtera in Jember district. Then the data was analyzed using qualitative methods to uncover events, phenomena, facts and circumstances that actually occurred in the field. From this study it can be concluded that the bonus system at PT. Melia Sehat Sejahtera in Jember district has five types of bonuses, namely: sponsor bonuses, leadership bonuses, retail bonuses, retail group bonuses and unilevel bonuses. Meanwhile, according to Sharia Economic Law, the bonus system at PT. Melia Sehat Sejahtera in Jember district isThis can be done because it is in accordance with Islamic law.    

PT. Nada Surya Tunggal is a company engaged in the textile sector, which is located at JL. Raya Candirejo, Pringapus, Kab. Semarang 50552, Central Java. The problems that occurred at PT. Nada Surya Tunggal is the lack of knowledge of local and foreign people about the types of products produced by the company due to the lack of maximum promotional media used so that the marketing department is required to have many relationships so that the marketing process is slower. People find it difficult to know about several things such as the shape or visual of the product, product design, and the materials or materials used for production. This causes confusion in the community about product specifications which results in a lack of public interest in buying.This research is a type of development research that uses the Research and Development (R&D) method. Meanwhile, for making your own website design using the programming languages HTML, CSS, and Javascript. With the new website design owned by PT. Nada Surya Tunggal can expand its marketing reach without incurring higher costs, the promotion process is faster, the public is more interested and comfortable to access, as well as the products owned by PT. Nada Surya Tunggal is becoming better known by the wider community.