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This research discusses legal protection for banks as providers of Home Ownership Credit (KPR) facilities at Bank Tabungan Negara (BTN) Cibubur Branch Office. The aim of this research is to analyze the implementation of legal protection for banks in the event of default by the debtor, especially when the Deed of Granting Mortgage Rights has not been attached to the collateral object due to administrative obstacles. One of the main obstacles is the validity period of the Power of Attorney to Encumber Mortgage Rights which has expired before the process of installing Mortgage Rights is completed. The main problems in this research include: (1) the procedure for granting mortgages at the BTN Cibubur Branch, (2) legal protection for banks if they fail to install Mortgage Rights, and (3) factors that cause delays in installing Mortgage Rights. This research uses an empirical juridical approach with qualitative methods, based on applicable laws and regulations. Data collection techniques include literature study, observation, and interviews. The research results show that BTN Cibubur Branch has carried out procedures according to operational standards and strengthened its legal protection through credit agreements and notarial deeds. However, the relevance of the Power of Attorney to Encumber Mortgage Rights needs to be reviewed, considering the length of the administration process at the National Land Agency.

The procedures for cargo ship clearance in and out at Weda Port, Central Halmahera, managed by PT Pelayaran Bahtera Diserindo, play a vital role in ensuring efficient port operations and regulatory compliance. The clearance-in process consists of several steps that cargo ships must complete before entering the port, including document verification, health inspections, and adherence to security protocols. On the other hand, the clearance-out process involves procedures that must be completed before a ship departs, such as submitting shipping documents and undergoing cargo inspections. This study aims to examine these procedures, identify the challenges faced, and propose recommendations to enhance the efficiency and effectiveness of clearance processes at Weda Port. By utilizing the latest data and statistics, this research also emphasizes the significant role of PT Pelayaran Bahtera Diserindo in facilitating logistics operations in North Maluku. The findings are expected to provide a comprehensive understanding of the existing procedures and their impact on Indonesia's maritime industry.

The current study aims to determine the role of strategic foresight through its dimensions (environmental scanning capabilities, strategic choice capabilities, integration capabilities) in achieving the pioneering social orientation through its dimensions (adopting social risks, social proactivity, and social relations). This is because the research problem was represented by a number of questions that were designed to identify the intellectual frameworks of its variables, diagnose the level of interest in them in the field, and identify the appropriate procedures. The organization's main method for collecting information about the field component of the study was a questionnaire form, and the sample size was 149. By examining the link between these variables, two primary hypotheses were established, from which a number of subhypotheses were derived to gauge the degree of association and influence. With the help of (university leaders) in the subject, private universities in the Middle Euphrates region were selected for the study and testing of its theories. SPSS.V.29 The study came to a number of recommendations. Several results were reached with the program (Amos.V.26), but the most important one is that strategic foresight has a link of association and effect Moral in the social entrepreneurial orientation.

This study aims to analyze the investigation of narcotics crimes conducted by the Mojokerto City Police in accordance with the provisions of Article 114 in conjunction with Article 112 of Law Number 35 of 2009 concerning Narcotics. These articles regulate the threat of criminal penalties for drug dealers and users, and provide a legal basis for law enforcement officers in carrying out the investigation process. This study uses a normative legal method with a statutory approach and case analysis. The results of the study indicate that the investigation at the Mojokerto City Police has attempted to comply with applicable legal provisions, but there are obstacles such as a lack of competent human resources, obstacles in collecting evidence, and challenges in implementing rehabilitation for drug users. This study recommends increasing the capacity of investigators through training, optimizing cooperation with related agencies, and implementing more transparent and accountable investigation procedures.

This study aims to describe and analyze: Governance Capacity of the Jombang Regency Regional Government in the Implementation of the Upper Secondary Education Policy and Factors Inhibiting the Capacity of the Governance Capacity of the Jombang Regency Regional Government in the Implementation of the Upper Secondary Education Policy. The research is a qualitative descriptive analysis. The data analysis technique uses a technique developed by McNabb (2002), namely Grouping the data according to key constructs, identifying bases for interpretation, developing generalizations from the data, Testing Alternative interpretations and Forming and/or refining generalizable theory from case study. The results of the study show that there are 4 (four) factors that affect the Governance Capacity of the Jombang Regency Regional Government in the Implementation of the Upper Secondary Education Policy. First: The communication pattern carried out by the Jombang Education Office is ineffective so that the aspirations and problems that arise cannot be accommodated properly. Second: Resources & Funding, namely the implementer (policy implementer) of the resource aspect shows that Human Resources at the Jombang Regency Education and Culture Office is supported by 266 employees. Third: Implementer Attitude (Dispositions). show a positive attitude and sufficient willingness to carry out a good secondary education program. Fourth: The bureaucratic structure is quite clear, namely the Jombang Regency Education Office, the school and the Board of Education/community leaders, but the bureaucratic procedures are still long. The factors that hinder the implementation of education policies in Jombang Regency are factors that come from within are the existence of facilities and infrastructure, the motivation of teachers and students. Then the factor that comes from outside is the school's accessibility to a variety of sources, both resources and funds

This research aims to analyze the level of student satisfaction with academic administration services at the Catholic Religious Education Study Program (PKK) STPKat Santo Fransiskus Assisi Semarang in the 2024/2025 Academic Year. Effective and efficient academic administration services are an important factor in supporting the smooth teaching and learning process and improving the overall quality of education. The research method used is descriptive quantitative with a survey approach. Data was collected through a questionnaire distributed to active students of the PKK Study Program. The variables studied include speed of service, accuracy, attitude of officers, ease of procedures, and supporting facilities. The research results show that in general students feel quite satisfied with the academic administration services provided. Aspects of officer attitude and correct information received the highest satisfaction scores, while aspects of ease of procedures and supporting facilities still require improvement. It is hoped that these findings can provide input for the management of the PKK Study Program to improve the quality of academic administration services, so as to create a more conducive academic environment and support student achievement.

Unsafe action is an action that does not comply with established procedures and rules which can cause work accidents. Unsafe action occurs for two reasons, such as unintentional errors and active errors or rule violations. Factor affecting unsafe action is internal and external factors. This research aims to examine the relationship between attitudes and knowledge towards unsafe action on section workers veneer setting at PT Abhirama Kresna. This research is a quantitative research using a cross sectional study design. The population in this study was 128 workers with 97 sample respondents. The variables in this study were knowledge, attitudes and unsafe actions. Bivariate analysis uses the chi square statistical test with a confidence level of 95%.  This research shows that knowledge does not have a significant relationship with unsafe action (p-value = 0.985; PR (CI 95%) = 0.288–3.391). On the other hand, attitude has a significant relationship with unsafe action (p-value = 0.022; PR (CI 95%) = 0.099–0.868).

The resolution of land disputes through the judicial process is a step taken when non-litigation settlement efforts fail. This process involves a series of legal procedures aimed at enforcing land rights, including proof of ownership and other related rights. This article aims to analyze the procedures, challenges, and effectiveness of land dispute resolution in court. Using a normative-empirical approach, this study finds that although the judicial system provides a clear mechanism, there are several obstacles, such as lengthy legal processes, high costs, and the complexity of proving ownership, which can delay dispute resolution. In this regard, it is important for the parties involved to understand the applicable legal procedures and utilize alternative dispute resolution methods that can expedite land dispute resolution, such as mediation and arbitration. This study also recommends improvements in the judicial system and more efficient approaches to handling land disputes in the future.

Informed consent is an essential element in health services, including in the field of anesthesiology and intensive care, which have high risks and involve critical medical decisions. This study aims to analyze the procedures and implementation of informed consent for patients in the anesthesia and intensive care unit, highlighting the legal and ethical aspects of decision-making. A qualitative approach was used to evaluate patients' and families' understanding of the medical information provided, their rights in agreeing to or refusing medical treatment, and the role of doctors in ensuring that consent is given voluntarily and informatively. Data were obtained through in-depth interviews with health practitioners and a review of related legal and medical ethics literature. The results of the study indicate that the implementation of informed consent in the intensive care unit and anesthesiology unit often faces challenges due to the critical condition of the patient, time constraints, and the complexity of communication. Therefore, this study recommends strengthening communication policies and training for medical personnel to ensure that patient rights are met and medical actions can be carried out in accordance with applicable ethical and legal principles.

Shipping agency services PT Pelayaran Semesta Sejahtera Lestari Belawan Medan is one of the shipping companies operating in the agency sector (Shipping Agency) in Indonesia. This company deals in quite a lot of ships, both Indonesian flag ships and foreign flag ships. Crew change is an important part of shipping operations that affects the safety, efficiency and performance of the ship. This research aims to analyze procedures and challenges in handling crew changes on ships, as well as identifying best practices to ensure crew changes run smoothly. The research methodology uses qualitative methods such as interviews with crew managers and analysis of crew change documentation data. The research results show that the main challenges in crew change include administrative obstacles, logistics and strict regulations. In addition, it was found that good implementation of Standard Operating Procedures (SOP), use of communication technology, and cross-departmental coordination are key factors for success in managing crew change.  This research concludes the importance of collaboration between stakeholders, regulatory adjustments, and technological innovation to increase efficiency and safety in crew changes on ships.

Children's da'wah at LPKA Class I Medan has an important role in building children's character with noble morals. Through creative and innovative preaching dynamics, children are taught religious values ​​that can be applied in everyday life. This research aims to analyze the dynamics of da'wah in building children's character in LPKA Class I Medan. This research uses a qualitative method with a descriptive approach. Data was collected through observation and interviews. The research results show that the dynamics of da'wah in LPKA Class I Medan is carried out using various methods, such as lectures, group discussions, educational games, and simulations. The preaching material taught includes the definition and types of uncleanliness, sources and examples of uncleanness, laws and procedures for purification, the role of cleanliness in faith, and application in daily life. Da'wah at LPKA Class I Medan has a significant influence on the formation of children's character. Religious values ​​conveyed through da'wah help children develop good personalities and noble morals. By implementing appropriate and consistent strategies, it is hoped that LPKA Class I Medan can become an effective educational institution in building the character of children who have noble character and faith in Allah SWT.

This research seeks to find an approach between modern trends in management accounting and cost reduction. The research problem was represented by a number of questions with the aim of identifying the intellectual and applied frameworks of its variables, and then diagnosing the level of interest in it in the field, as well as identifying the appropriate procedures by the company. Three main hypotheses were developed to measure the level of correlation and influence between the research variables. The research was conducted in Al-Enjaz Juice Manufacturing Company as a field for research and testing its hypotheses. The target cost method, the cost method based on activities, and the balanced scorecard method were adopted. The research used many statistical methods in the analysis, such as standard deviations, arithmetic averages, with the help of statistical programs (SPSS.var.29). A set of results was reached, the most important of which is the existence of a correlation relationship and the influence of modern management accounting applications in reducing costs

This research aims to increase UMKM opportunities in Mojopilang Village. In this increasingly modern and sophisticated era, technology, especially social media, is growing rapidly and making things easier for its users. This is very profitable for looking for business opportunities, one of which is affiliate. This research uses an outreach method which includes training on how to create an affiliate account, mentoring to ensure that the training carried out can be applied, correct make-up procedures to maximize affiliate content, as well as evaluation in the form of questions and answers. This activity was carried out on December 13 2024, involving village communities, especially women and Mayjen Sungkono University students. Initial observation results show that several people in Mojopilang Village have the mindset that if they want to open a business, they must spend capital and have very little knowledge about affiliates. Through this outreach about affiliate make up, it is hoped that the village community, especially women, will understand and be interested in doing affiliate work, especially in the field of make up. The results of this evaluation can be seen from the enthusiasm of the socialization participants who were excited about the material presented and some of them even wanted to try becoming affiliates.

Marriage is a physical and spiritual bond between a man and a woman as husband and wife whose aim is to form a happy and eternal family (household) based on the belief in the Almighty God. Law 1/1974 refers to the validity of a marriage held by Indonesian citizens based on the laws of their respective religions and beliefs. The aim of this thesis is to analyze the Towani Tolotang Traditional Marriage process in relation to Hindu Religious Marriages and analyze the validity of Towani Tolotang Traditional Marriages Based on Marriage Law in Indonesia. It becomes a problem when a community of Towani Tolotang believers are "forced" to choose Hinduism among the religions recognized by the government, which then relegates their belief to just a custom. The next big question about how the Towani Tolotang Traditional Marriage process relates to Hindu Religious Marriages is how is the validity of the Towani Tolotang Traditional Marriage based on Marriage Law in Indonesia. The research was carried out in Sidrap Regency, Panrenge Telelimpoe Village, Province. South Sulawesi, data collection was obtained using interviews and analyzing data from literature references, either from books or from journals via the internet. After the data obtained has been collected, it will then be discussed and explained in accordance with applicable regulations and the final results will be concluded. The results of the conclusions must be in accordance with the research results from the title "The Validity of Marriage in the Towani Tolotang Traditional Perspective (Study in Sidrap Regency, South Sulawesi Province)", Based on the results of the analysis and interviews regarding Towani Tolotang Traditional Marriage and Hinduism, namely that the procedure or process of marriage what is carried out by the Towani Tolotang Custom is not the same as the provisions of the marriage procedures in Hinduism, furthermore the Towani Tolotang Customary Marriage is declared valid according to the provisions of the Law. Marriage in Indonesia is because the marriage is carried out in accordance with the principles or principles and values ​​contained in Law 1/1974.

This study aims to analyze the implementation of accountability accounting at Circle Imagine of Society (CIS) Timor Foundation in Kupang City. This research uses descriptive qualitative method and examines the implementation of four main elements of responsibility accounting, namely determining responsibility, determining performance measures, assessing performance, and providing rewards and punishments. The results of this study indicate that: (1) Circle of Imagine Society (CIS) Timor Foundation has implemented a clear organizational structure, with a detailed division of tasks for each member, (2) determination of performance measures is based on program effectiveness and operational efficiency, (3) performance assessment of Circle of Imagine Society (CIS) Timor Foundation uses regular standard operating procedures (SOP), (4) Awards are given to members of Circle of Imagine Society (CIS) Timor Foundation who perform well and punishment is given to members of Circle of Imagine Society (CIS) Timor Foundation who violate the code of ethics.

This paper aims to determine the system and procedures for ship and goods service activities at PT. Pelayaran Berkat Usaha Mandiri Panjang Lampung at Panjang Port, Bandar Lampung. The management of the ship is managed by agencies in the port environment. Not only that, operational agents are also required to understand the workflow of the Inaportnet application so that ship operational activities are completed on time. The author uses several methods such as; observation method, interview method, documentation method, and the existence of research files. Based on the results of the observations, the author can conclude that the System and Procedures for Ship and Goods Service Operations at PT. Pelayaran Berkat Usaha Mandiri acts as an agent who is responsible for serving agency ships since the ship will arrive, namely including the clearance in process using the Inaportnet system application, in addition, the agent also takes ship documents and continues with the clearance out process until the ship will leave the port to go to the next port. In order to facilitate operational activities, supporting documents are needed for the clearance in and clearance out processes of the ship.

This study aims to analyze the suitability of the term of office of the Neighborhood Association (RT) administrators with the provisions contained in Regent Regulation Number 24 of 2020 concerning the Organization and Work Procedures of Neighborhood Associations. The term of office of RT administrators is an important aspect in running the government at the village/sub-district level which affects the effectiveness of community services and the sustainability of development programs. Through a normative legal research approach, this study examines whether the provisions on the term of office of RT administrators stated in the regulation are in accordance with applicable legal principles, community needs, and practices in the field. The research methods used are document studies, interviews with RT administrators and related parties, and comparative analysis with similar policies in other areas. The results of the study indicate that there are several discrepancies between the provisions on the term of office stated in the Regent Regulation and the real conditions that occur in the field. Some RT administrators have difficulty in carrying out a term of office that is too short, while others feel that a term of office that is too long can hinder the regeneration of the administration. This study recommends that there be a revision to the Regent Regulation Number 24 of 2020, by considering the existing findings, and providing space for the community to participate more actively in the process of replacing RT administrators.

CPO is the raw result of the oil extraction process from palm oil fruit. This substance is a rusty red liquid which has varying consistency characteristics depending on the ambient temperature conditions. The problems faced in handling CPO liquid bulk cargo are based on several factors, namely limited infrastructure, weather, distance and how the government regulates the sustainability of this industry at PT. Energi Unggul Persada. The aim of this research is to find out how the CPO liquid bulk transportation procedures are carried out by PT. Energi Unggul Persada, the main challenges faced in handling CPO liquid bulk cargo, as well as how government regulations and policies influence CPO liquid bulk cargo handling procedures and their impact on industrial desires at PT. Energi Unggul Persada. This type of research is qualitative research with descriptive methods. This research was carried out at PT. Energi Unggul Persada from February 2022 to April 2022. The data collection techniques used were interviews, observation, documentation. Meanwhile, the informants used as research were the Shipping Section Operational Experts and Field Coordinators PT. Energi Unggul Persada in Mempawah. The data that has been collected is then carried out by data reduction, data presentation and verification. The results of this research are first, the procedures that have been established by the company, namely, before loading begins, the surveyor and lodging master prepare the required documents such as: shipping instructions, ship shore checklist, dry certificate, and the tools used include: flexible hose, crane, floating line, and pump. To ensure that the quality of CPO / cargo meets standards, then during the loading process, the loading master supervises and is responsible for the implementation and smoothness of the loading activity. Second, the main challenges faced in the process of handling CPO liquid bulk cargo include the limited number of pipes, weather conditions at the jetty, and quite long line distances. Third, by committing to supporting a sustainable palm oil industry, the government is adjusting export levies on CPO and its derivatives, which are then channeled back to focus on developing the people’s palm oil industry.

The existence of the Regional Public Company (PERUMDA) of Kupang City aims to distribute water to residents in the surrounding areas. This study aims to evaluate the performance of PERUMDA in providing clean water services in Alak District, Kupang City. This research employs a combination of juridical and empirical approaches. The study was conducted at the PERUMDA Kupang City office and in the Alak District area of Kupang City during January 2025. The population in this study includes all PERUMDA employees and drinking water customers in Alak District, Kupang City. The sample was obtained using purposive sampling techniques, consisting of the head of the customer relations division (1 person), PERUMDA employees (10 people), and community members who use PERUMDA services (50 people), resulting in a total sample of 61 respondents. Data were collected through document review and in-depth interviews guided by an interview protocol. Based on the interview results, it was found that clean water services provided by PERUMDA were still suboptimal. Although PERUMDA Kupang City already has Standard Operating Procedures (SOPs), the implementation in the field still faces various obstacles, such as unequal distribution of clean water, limited infrastructure, occasional poor water quality, ineffective complaint handling systems, and outstanding payment arrears. PERUMDA Kupang City needs to expand its clean water distribution network, improve water quality, strengthen the customer complaint system, and conduct education and outreach to the community regarding the importance of efficient water use and the obligations of the community as service users.

This journal discusses legal certainty for healthcare workers in cases of malpractice resulting from violations of working hours. The primary focus of this study is to identify the legal responsibilities that can be imposed on healthcare workers and the legal protections available to them. Through an analysis of regulations under Law No. 17 of 2023, the article finds that although a clear legal framework exists, challenges remain in its implementation. The study also highlights the importance of transparent and fair resolution procedures to protect the rights of healthcare workers and patients. Therefore, collaborative efforts between the government, professional organizations, and healthcare institutions are needed to create a safe and supportive work environment.