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Titie Syahnaz Natalia; Ega Anzani; Ribby Audia; Rahmat Rudiansyah

Publikasi Hasil Pengabdian dan Kegiatan Masyarakat 2025 Asosiasi Periset Bahasa Sastra Indonesia

This community service program was carried out with the primary objective of improving the institutional capacity of Village-Owned Enterprises (BUMDes) in Kedaton Village, Kedaton Peninjauan Raya District, Ogan Komering Ulu Regency. The focus of the activity was training and mentoring in the preparation of legally based Standard Operating Procedures (SOPs), in order to strengthen village business governance in a participatory and sustainable manner. The method used was a participatory approach, involving village officials and the local community in every stage of the activity, from identifying institutional problems, preparing SOP documents, to evaluation and follow-up. This activity was carried out through workshops, focus group discussions, and technical mentoring, so that participants not only received theoretical material but also actively participated in preparing and implementing SOPs relevant to the needs of the BUMDes. The results of the activity showed a significant increase in legal awareness among BUMDes managers and the village community. In addition, a new institution was formed in the form of a Village SOP Team that plays a driving role in the process of preparing and supervising the implementation of SOPs. Local leaders who have a concern for business governance and village community empowerment also emerged. The development of SOPs not only strengthens the administrative aspects of Village-Owned Enterprises (BUMDes) but also encourages social transformation. Communities become more involved in decision-making and develop a sense of ownership of village businesses. These findings indicate that integrating a legal approach into community empowerment practices can be an effective strategy for increasing accountability, transparency, and the future sustainability of village businesses.

Ridwan A. Jula; Fenty U. Puluhulawa; Erman I. Rahim

International Journal of Law, Crime and Justice 2025 Asosiasi Penelitian dan Pengajar Ilmu Hukum Indonesia

This study examines the application of the retroactive principle in the issuance of State Administrative Decisions (KTUN) by regional administrative officials amid digitalization in public services. The research aims to examine the legal basis of retroactive application within administrative law and to identify appropriate mechanisms to ensure its benefit for public administration and society. Using a normative juridical method with statutory and conceptual approaches, the research is supported by literature studies on legal documents and regulations. The findings indicate that, under Indonesian administrative law, the retroactive application of KTUN is legally permissible if it meets specific conditions outlined in the Law on Government Administration—primarily to prevent greater harm and/or to protect citizens’ rights. Retroactive KTUN may address discrepancies between the timing of decision issuance and actual administrative activities, especially in a digital governance environment. The study concludes that to ensure legal certainty and accountability, such application must be based on formal mechanisms, including the development of standard operating procedures (SOPs) and the issuance of regional head regulations as normative foundations. These measures are essential to institutionalize retroactive KTUN and ensure its use aligns with principles of legal certainty, public benefit, and good governance in regional government administration.

Siti Rahmawati Djula; Fence M. Wantu; Dian Ekawaty Ismail

International Journal of Law, Crime and Justice 2025 Asosiasi Penelitian dan Pengajar Ilmu Hukum Indonesia

This study aims to analyze the Reconstruction of Contempt of Court Regulations  in Indonesia. Contempt of court is defined as an act of contempt against the judiciary. In Indonesia, the meaning of contempt of court is only interpreted narrowly so that it is considered less inclusive of all judicial organizers. This type of research is normative legal research with a legislative, conceptual, comparative and case approach. The results of the study are that the position of the contempt of court regulation in Indonesia has been contained in a chapter in the latest Criminal Code, but its application has not been supported by formal procedures. The meaning of contempt of court in Indonesia is only interpreted narrowly, this can be seen in the latest Padal 281 of the Criminal Code which only seems to protect judges, the contempt of court regulation should  also protect all judicial organizers who are directly involved in a judicial process, namely the prosecutor, legal representatives, victims, witnesses, and all trial participants. Next, contempt of court in Indonesia also only accommodates criminal contempt and sets aside civil contempt so that there is no deterrent effect for people, officials and others who do not comply with judicial decisions. Therefore, there is a need for special arrangements related to contempt of court in Indonesia that regulate crimes (criminal contempt) and non-compliance with court orders (civil contempt).

Ni Luh Putu Sri Antari; Trianasari Trianasari; Luh Putu Triyanti Ariestiana Dewi

DHARMA EKONOMI 2025 sekolah Tinggi Ilmu Ekonomi Dharmaputra Semarang

This study was conducted at Four Star by Trans Hotel, Renon, Bali which discussed the Optimization of the implementation of standard operating procedures (SOP) in improving front office department services. The purpose of this study was to determine the implementation of Front Office SOPs at Four Star by Trans Hotel and how SOPs can improve service quality. Researchers used primary and secondary data to support this study. Data collection techniques used were observation, interviews and document studies. The method used was a qualitative descriptive method. The results of the study showed that the front office (bellboy, reservation, telephone operator, receptionist) had implemented existing SOPs and had provided the best service to guests, but not optimally, due to several reasons, one of which was the lack of front office staff. The dimensions used as a reference to measure how SOPs are implemented by the front office include reliability, responsiveness, certainty or guarantee, empathy, tangibles.

Bohari Muslim; Harry fauzi; Musmulyadi Musmulyadi

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2025 Pusat Riset dan Inovasi Nasional

Central Aceh is one of the Regencies located in the center of the Province of Aceh which is dubbed as the Gayo plateau region, Aceh is a province in Indonesia that applies customary law in settling cases or disputes in the community through the Sarak Opat Kampung Customary Court, as regulated in The Aceh Qanun number 9 of 2008 concerning the Development of Customs and Customs was later reinforced by Governor Regulation Number 60 of 2013 concerning the Implementation of Customary and Customary Dispute / Dispute Settlement.This study aims to describe the function and authority and find out the procedures for implementing Customary Courts by Sarak Opat in Central Aceh District, then to find out the invoices that constrain Sarak Opat in carrying out customary justice and to find formulations that are obstacles in the implementation of adat justice in Aceh District The middle.This study uses empirical juridical research methods with research sites in Central Aceh District using secondary, primary and tertiary data, then the research data is collected through literature, interviews and observations. From the results of the data are further arranged descriptively analysis.

Fiola Ayu Meisaro

Jurnal Ilmu Pertahanan, Politik dan Hukum Indonesia 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

This study examines the practice of marital property division at the Sibolga Religious Court due to divorce caused by the husband's religious conversion. The phenomenon of divorce due to religious differences, especially religious conversion from Islam, creates legal complexities, particularly in determining rights and obligations related to marital property. This study employs a qualitative approach with an empirical legal research type, located at the Sibolga Religious Court. Data was obtained through in-depth interviews with judges, court clerks, and parties involved in the cases, as well as document studies of court decisions. The results indicate that the Sibolga Religious Court has absolute authority in handling divorce cases due to the husband's religious conversion and the division of marital property within them. Despite the religious conversion, the principles of Islamic marital property law (syirkah) remain the primary basis, considering the contribution of each party. Challenges include the complexity of proving contributions, often emotional negotiations between parties, and judges' efforts to achieve substantive justice. The implications of the decisions not only involve legal aspects but also social and psychological ones for the families. This study recommends the need for broader legal socialization regarding rights and obligations in interfaith marriages and increased public understanding of marital property dispute resolution procedures.

Erminilda Febriani Angkang; Rafael Rape Tupen; Hernimus Ratu Udju

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2025 Pusat Riset dan Inovasi Nasional

This study examines the implementation of the legislative duties and functions of the House of Representatives of the Republic of Indonesia (DPR RI) during the 2019–2024 period. Legislative function, as stipulated in Article 20A of the 1945 Constitution of the Republic of Indonesia, constitutes one of the core and most influential functions of the DPR, enabling it to affect various aspects of national governance. However, in practice, this function has not been carried out optimally. Legislative performance is evaluated not only in terms of the quantity of legislation produced but also in the quality of the laws enacted. Using a normative juridical research method, grounded in positivist legal theory. The findings indicate that throughout the 2019–2024 period, the DPR’s legislative performance has fluctuated and remained suboptimal. Of the 256 bills included in the National Legislative Program (Prolegnas), only 63 were enacted into law. Several inhibiting factors were identified, including the competency of members, lengthy decision-making procedures, political party composition, and limited public participation. This study underscores the importance of enhancing the capacity of DPR members through regular training and education. Greater transparency in the legislative process is also crucial to maintaining public trust. Furthermore, streamlining bill deliberation mechanisms and fostering inter-factional dialogue are essential strategies to accelerate consensus and improve legislative outcomes.

Diandra Syifa Rahman; Elisatris Gultom; Sudaryat Permana

Mahkamah : Jurnal Riset Ilmu Hukum 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Peace agreements serve as an alternative solution for resolving debts between debtors and creditors, aiming to enable debtors to restructure their debts and maintain business continuity. The peace agreement process is governed by strict procedures, including the submission of a peace plan by the debtor, approval by concurrent creditors through voting, and ratification by the Commercial Court through a homologation hearing. A ratified peace agreement is binding on all concurrent creditors but can be annulled if the debtor fails to fulfill their obligations, as illustrated in the case of PT Perindustrian Njonja Meneer. This study employs a normative legal method with a statutory approach and qualitative data analysis. The findings indicate that the success of a peace agreement depends on the debtor’s compliance and the creditors’ approval.  

Afif Syafiuddin

Parlementer : Jurnal Studi Hukum dan Administrasi Publik 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

This study aims to analyze the legal protection afforded to UMKM against predatory pricing practices in social commerce, with a focus on the TikTok platform in Indonesia. Predatory pricing refers to a strategy of selling goods at extremely low prices with the intent to eliminate competitors, which poses a threat to the sustainability of UMKM in the digital market. As MSMEs increasingly adopt digitalization and utilize e-commerce platforms, the challenges related to unfair business competition practices have become more evident. This study employs a qualitative approach with a descriptive-analytical method, examining the relevant regulations, including Law No. 5 of 1999 concerning the Prohibition of Monopolistic Practices and Unfair Business Competition. The findings indicate that although regulations are in place, their implementation on digital platforms still faces various obstacles, such as weak supervision and difficulties in law enforcement. This study recommends enhancing oversight, providing education for UMKM, and simplifying legal procedures to strengthen the protection of MSMEs against predatory pricing in the digital era.

Sri Yulianty Mozin; Rahmatia Pakaya; Jelita Jelifer Darise; Anggun Mokodompit; Cehlsi Olivia Katili +4 more

Jurnal Ilmu Pendidikan, Politik dan Sosial Indonesia 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

This study aims to describe the forms of bureaucratic pathology occurring in public administration practices in Indonesia through a case study in local government institutions. The research method used is descriptive qualitative with a case study approach. Data collection techniques were conducted through in-depth interviews, observation, and documentation. The findings show that bureaucratic pathology in the forms of corruption, nepotism, and inefficiency still dominates public service delivery. Corruption appears in budget misuse, nepotism in the appointment of officials based on family ties, and inefficiency is evident in slow and unresponsive bureaucratic procedures. This study emphasizes the need for comprehensive bureaucratic reform to reduce such pathologies.

Elfianus Parianto; Simplexius Asa; A. Resopijani

Journal of Administrative and Sosial Science (JASS) 2025 Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

The purpose of this study is to determine the judge's considerations in issuing a decision stating that the certificate of ownership does not have binding legal force and the legal consequences of the decision stating that the certificate of ownership does not have binding legal force based on the initial survey conducted by the researcher, it was found that the lawsuit was filed after 5 years had passed. This study uses normative legal research with a case study (case approach). Data collection uses literature studies. Data collection and processing procedures are carried out using qualitative legal analysis. The results of the study indicate that the requirements for a certificate of ownership that does not have legal force that are often violated are the lack of good faith in obtaining the land. Meanwhile, violations of the requirements for land that is not directly or indirectly controlled by the owner, although related to other requirements, do not mean that the Certificate of Ownership has strong legal force. This is because of the requirements of Article 32 paragraph 2 of Government Regulation Number 24 of 1997 concerning land registration. There are several legal consequences. These legal consequences can be divided into two types, namely legal consequences that apply retroactively or backward and legal consequences that apply forward. As well as the legal consequences and in substance, these legal consequences are in line with the form of achievement in contract law as regulated in Article 1234 of the Civil Code.

Muhtar K. Dinti; Yusrianto Kadir; Nurwita Ismail

Jurnal Ilmu Pendidikan, Politik dan Sosial Indonesia 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

The suggestions put forward are: Law enforcement against counterfeit money distribution crimes must require a structured and comprehensive strategy. One important step is to increase the capacity of law enforcement officers, including the police, prosecutors, and judges, through special training on counterfeit money crimes. Improving digital forensic and counterfeit money detection capabilities, including the use of the latest technology. This increase in competence will help officers identify the perpetrators' modus operandi and speed up the investigation process. In addition, the formation of a special unit or task force that focuses on handling counterfeit money cases can also strengthen the effectiveness of handling cases in the field. Then community involvement in preventing counterfeit money circulation must be optimized through broad public education regarding the characteristics of genuine and counterfeit money and reporting procedures if suspicious money is found. This awareness campaign can be carried out through mass media, social media, and cooperation with educational institutions. In the digital era, the use of information systems and technology such as counterfeit money databases and money circulation tracking systems is also an effective solution. By involving all elements of government, law enforcement, financial institutions, and the community, law enforcement against counterfeit money distribution crimes can be more effective, fair, and have a long-term impact.

Nurdiana Lestari; Rustam Hs. Akili; Nurmik K. Martam

Jurnal Hukum, Pendidikan dan Sosial Humaniora 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

The working relationship/coordination between Satreskrim and Satintelkam in uncovering criminal offences at Pohuwato Police Station has not gone well. Field Guidelines (Juklap) of the National Police Chief number 189 of 1993 regulates the Relationship between the Working Procedures of the Resersepol Function (Police Detection) and the Intelpampol Function (Police Intelligence and Security) in the context of integrated crime handling, which should be the basis for implementing working relationships, not implemented. The level of coordination and collaboration between Satreskrim and Satintelkam at Polres Pohuwato shows an unstable and often situational cooperation. Collaboration is optimal in large or urgent cases, but is minimal in normal situations. The level of effectiveness of criminal offence disclosure is largely determined by how strong cross-unit collaboration is built on an ongoing basis. The need for a formal HTCK (Working Procedure Relationship) between Satreskrim and Satintelkam to clarify authorities, responsibilities, and cooperation mechanisms. Increased integrated and cross-functional training to equalise perceptions, increase trust, and reduce sectoral ego. And Polres leaders need to play an active role as mediators and motivators in building open and collaborative communication between units. Establish a permanent cross-unit coordination team facilitated by the Chief of Police and Deputy Chief of Police, to ensure continuity of coordination, not just during major cases. Regular evaluation and monitoring of the quality of coordination, through periodic cross-functional communication forums. And the implementation of a reward and punishment system to increase the commitment of members to the importance of collaboration in disclosing criminal offences.

Ajeng Arina Manasikana; Hendra Pratama

WISSEN : Jurnal Ilmu Sosial dan Humaniora 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

Critical thinking skills are essential for every student, especially in today's digital era, where information is spread so freely and without limits. Students need to be taught how to think critically to make the right decisions regarding the information obtained. At school, developing critical thinking skills will help students face increasingly complex challenges. In this case, teachers play a very important role in guiding and educating students to develop these skills well. The objectives of this study are: 1) To find out the role of social studies teachers in improving the critical thinking skills of 8th grade students in the digital era of Ngeri 1 Boyolangu Junior High School. 2) To find out the steps used by social studies teachers to develop critical thinking skills of 8th grade students at Ngeri 1 Boyolangu Junior High School. 3) To find out the inhibiting and supporting factors in developing students' critical thinking skills. The approach used in this research is qualitative. data collection procedures in this study using observation, interviews and documentation. Data analysis techniques are carried out through data collection, data reduction, data display, and data verification. Research Results: 1) Teachers play a role in designing lesson plans with varied learning methods, in each method there are discussion activities, teaching by taking real problems in accordance with the reality related to the material in the classroom, familiarizing students to ask, answer, provide input and provide simple solutions related to the problems given.2) Steps to Develop Students' Critical Thinking Skills, including teachers getting students used to asking questions, answering, providing simple solutions related to the problems given. Teachers use digital media, such as PowerPoint and websites, as well as game-based learning, which not only makes learning more interesting but also supports students' critical thinking skills through technology. Teachers provide positive motivation to encourage students to participate more actively in learning. 3) The inhibiting factors include the rapid flow of digital information, “filter bubble,” lack of digital literacy, and low learning independence. Supporting factors include motivation from teachers or parents and students' intellectual development, which encourages exploration of information and a higher learning spirit.

Nurul Hidayat; Febrianingsih. A; Audi Audi; Charla Ta’bi Sulung; Khairunnisa Khairunnisa +3 more

Nusantara Mengabdi Kepada Negeri 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

North Kalimantan is one of the provinces in Indonesia that has marine and fisheries potential. The marine and fisheries sector, which has the potential to contribute to the regional economy, is expected to bring about an increase in the economy evenly and evenly in each region. MSMEs have a very important role in driving the wheels of the economy in the North Kalimantan region. The development of Nuggets from Milkfish can be one way to improve the economy of the people of North Kalimantan. This Community Service Activity was carried out in Kampung 4 Village, East Tarakan District, Tarakan City, North Kalimantan Province on May 4, 2025 at 18.30 - 19.30 WITA. This activity was carried out in Taman Berkampung and one of the shops owned by local residents, Kampung 4 Village, attended by MSMEs and visitors/buyers at Taman Berkampung. The methods used in this activity are procedures for managing and improving tropical marine resources, as well as documentation. The benefits of education provided to residents or MSMEs in the area are so that residents can know that utilizing marine resources can increase the competitiveness of local products and encourage economic independence. This activity was carried out through several series, namely making nuggets from milkfish, socialization, nugget testimonials, and documentation

Abdulkadhim Kareem Abbood Zerjawi

Jurnal Riset Ilmu Farmasi dan Kesehatan 2025 Asosiasi Riset Ilmu Kesehatan Indonesia

Oxidative stress is caused by regular smoking. If oxidative stress is higher than the level of antioxidants, there is said to be oxidative stress. SOD, CAT and GPx enzymes in the plasma help to reduce the harm caused by oxidative stress. This study aimed to discover if smoking regularly had any impact on the enzymes found in adults. A total of 120 people, with 60 chronic smokers and 60 nonsmokers, took part in the study and each group of 60 had equal numbers of men and women. All donors of blood and plasma had their levels of SOD, CAT and GPx checked using regular spectrophotometric procedures. I carried out the analysis using SPSS software version 26.0. The levels of SOD (1.82 ± 0.29 U/mL), CAT (31.5 ± 4.8 IU/mL) and GPx (3.21 ± 0.52 IU/mL) were lower in smokers compared to non-smokers. The gender levels showed the same effect on the study results as the smoking levels and did not interact with one another. Generally, regular smoking can decrease the amount of this enzyme working in plasma, so the body becomes less able to protect itself from oxidation for both men and women. It indicates that smoking leads to a health issue and advises taking actions to decrease risks for smokers.  

Nadia Febriani Siti Awaliyyah; Aghitsni Nailalmuna; Salwa Syahira; Nabilah Putri; Debora K.P +1 more

Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study was conducted to evaluate the quality of banana chips products at My Kripis by using the Check Sheet and Fishbone Diagram methods. The main problem found was the high rate of defective products, which reached 3.79% of the total monthly production. The largest type of defect was recorded as inappropriate banana ripeness during the frying process, which amounted to 18 kg out of a total of 37.2 kg of defective products. Data was collected through direct observation and interviews, then analyzed using an inspection sheet to identify the type and frequency of defects. Results showed that the dominant cause of defective products came from raw material factors, such as non-uniform banana ripeness and inconsistent slice thickness. A Fishbone Diagram was used to identify root causes from various aspects, including man, methods, machines, and materials. These findings served as the basis for recommendations to improve the production process, such as standardizing cutting procedures, training operators, and monitoring the quality of raw materials. This research confirms the importance of simple yet systematic quality control for MSMEs to sustainably improve product quality.

Jekli Tosubu; Robby Waluyo Amu; Ibrahim Ahmad

Jurnal Hukum, Politik dan Humaniora 2025 Lembaga Pengembangan Kinerja Dosen

The implementation of police discretion in the process of investigating criminal defamation cases shows that discretion is an important instrument for police officers in assessing, determining, and following up on a criminal report based on urgency, public interest, and the principles of proportionality and professionalism. In cases of defamation, which are often subjective and private, discretion allows investigators to consider various factors such as motive, impact, and the possibility of resolution outside the criminal path. Factors Affecting the Implementation of Police Discretion in the Process of Investigating Criminal Defamation Cases show that discretion is not carried out absolutely, but is influenced by various internal and external factors, namely: Legal and Regulatory Aspects, Case Characteristics, Professionalism and Ethics of Investigators, Social and Environmental Pressure, Facilities and Resources. Police Discretion should be regulated more clearly in positive law other than Law Number 2 of 2002 and the Criminal Procedure Code so that the principles of Legal Certainty and Respect for Human Rights are more apparent. Police offices need to provide special facilities such as mediation rooms that are neutral, comfortable, and support the creation of a dialogical atmosphere between the disputing parties. Increasing the number of investigators and managing a more balanced workload will provide space for investigators to consider the discretionary path more seriously without sacrificing work efficiency. The Standard Operating Procedure (SOP) for discretion at the Polres level needs to be adjusted to local socio-cultural characteristics. In Gorontalo, for example, a legal approach that is sensitive to family values and customs must be officially accommodated in work procedures.

Salma Ghaziyah Adhwa; Aidil Azhar; Edi Wiraguna

Jurnal Pengabdian Dian Mandala 2025 STP Dian Mandala Gunungsitoli Nias Keuskupan Sibolga

Robusta coffee (Coffea canephora) is one of Indonesia’s important agricultural commodities with strong economic potential. However, optimizing its productivity depends heavily on proper cultivation practices, particularly pruning, which significantly affects plant health and fruit yield. This study focused on the Women's Farmer Group (Kelompok Wanita Tani/KWT) in PTPN 1 Regional V Kebun Bangelan, East Java, which faced challenges due to limited skills and knowledge in coffee pruning. A community-based agricultural extension program was implemented to enhance their technical capabilities and ensure compliance with standard operating procedures (SOP) for effective pruning. The objectives were to identify key issues in pruning practices, deliver targeted training, and evaluate the outcomes. Using a mixed-methods approach—comprising participatory observation, structured interviews, focus group discussions (FGD), and a pre-test/post-test comparison—the study assessed knowledge gains and training impact. A Likert-scale survey further measured participant satisfaction. Findings revealed four main issues: low SOP adherence, lack of training, poor tool maintenance, and plant morphological constraints. Post-intervention, participant knowledge rose from 49% to 97%, a 48% improvement. Additionally, 71.88% of respondents rated the training positively. This indicates that structured, practical training significantly improved pruning skills, contributing to better agricultural practices and productivity in smallholder communities.

Rahmawati Rahmawati; Roy Marthen Moonti; Nurwita Ismail; Muslim A. Kasim

Mahkamah : Jurnal Riset Ilmu Hukum 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

This research examines the criminal liability of debt collectors involved in forcibly seizing motorized vehicles from consumers. Such actions, often conducted by third parties representing finance companies, frequently occur without proper legal procedures and involve violence, coercion, or violations of consumer rights. The study responds to ongoing incidents where debt collectors act with force, while legal enforcement remains insufficient. Utilizing an empirical normative legal approach, the study combines a review of relevant laws—such as the Criminal Code (KUHP), Consumer Protection Law, and Financial Services Authority regulations with field research, including interviews with victims and observations in Kayubulan Village, Limboto Subdistrict, Gorontalo Regency. The findings reveal that debt collectors who repossess vehicles without official documentation, prior notification, or through intimidation may be committing criminal acts under Article 368 of the KUHP (extortion) and Article 335 (unpleasant acts). These actions clearly conflict with legal norms and consumer protection principles. The study recommends that finance institutions strengthen oversight of third-party collectors and ensure all collection activities comply with legal and ethical standards. Additionally, raising public legal awareness is essential, particularly regarding consumer rights and available legal remedies against coercion or unlawful conduct during debt collection. This dual strategy enhancing institutional accountability and empowering consumers aims to bridge the gap between law and practice, ensuring justice and legal protection in financial transactions.