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Musyarakah mutanaqishah is musyarakah or syirkah ownership the assets (goods) or capital of one of the parties (shariq) are reduced due to gradual purchase by other parties. As well as a musyarakah agreement mutanaqishah is a combined contract between a musyarakah contract and a contract ijarah. Sharia syndicated financing is financing provided by two/more Islamic banks or financial institutions, with the same terms and conditions, using the same documents and administered by one bank. Regarding information on syndicated financing using a musyarakah agreement Mutanaqishah is still not widely known by the wider community until now This. So this research will focus on discussing contracts musyarakah mutanaqisah used in syndicated financing. Because This contract is a contract that needs to be socialized and more publicized the banking sector, because its existence is not widely known by the public common among other contracts which are also used for syndicated financing in sharia banking in Indonesia, after previously using contracts murabahah and ijarah mun tahiya bit tamlik.

 Triartha Cipta Mandiri is a company that operates as a housing developer. PT. Triartha Cipta Mandiri (which is shortened to PT. TCM) moves side by side with PT. Rico Cipta Mandiri is located at Ruko Tangerang City Business Park, D/8, Jl. Raya Jendral Sudirman, Banten. Director of PT. Triartha Cipta Mandiri is Mr. Hamsir Siregar, S.H., M.H. PT. Triartha Cipta Mandiri has been established for 10 years with a Deed of Company Establishment from the Tangerang Regency Notary, Mr. Deni Nugraha, S.E., S.H., M.Kn. dated 25-09-2013 and has received approval from the Minister of Law and Human Rights of the Republic of Indonesia, as stated in his Decree dated 27-09-2013 Number: AHU-50281.AH.01.01 TAHUN 2013. So far, PT. Triartha Cipta Mandiri is expanding its wings in the field of selling subsidized houses. The name of the housing developed by PT. Triartha Cipta Mandiri is Granada Rajeg City which is located in Rajeg District, Tangerang Regency, Banten. Houses that sells by PT. Triartha Cipta Mandiri is a subsidized house by the government with a price of Rp. 168,000,000,- and the houses’ building area of ​​30 M2 and a land area of ​​60 M2. Inside the house there are 2 bedrooms and 1 bathroom. Houses marketing is carried out by deploying several marketing agents. Other than that, to carry out sales and purchases that have been agreed with consumers, PT. Triartha Cipta Mandiri entered into a credit agreement at Bank BTN Syariah. During 2023, house sales have reached 74 houses.

In the era of globalization, the views of Indonesian people towards the rise of the LGBT phenomenon have become complex, considering that Indonesia is thick with religious and cultural values. Although the country adheres to human rights principles, an understanding of religious norms is often a filter for views on sexual diversity. Especially among the younger generation, there is significant disagreement on whether the rise of LGBT is in accordance with the ideals of Pancasila as the basis of the state. On the one hand, there are groups that support LGBT rights as a form of respect for human rights, while on the other hand, there are concerns that this phenomenon is not in line with the values of Pancasila which emphasizes unity and unity in diversity. Further research needs to be done to understand more deeply how the views of Indonesian people, especially the younger generation, towards the LGBT phenomenon in the context of the globalization era.  The purpose of this study is to examine more deeply and describe the community's views on the current rise of LGBT which can trigger the destruction of the morals of the Indonesian nation. The theory used in this study is the theory of people's views through observations by interviewing several communities and conducting online surveys.  

Juridical Review of the Digital Banking System for Customer Protection discusses legal certainty for customers in banking transactions via internet banking. The study highlights the protection of customers' personal data and the security of banking information regulated in related agreements including Law no. 10 of 1998 concerning banks and Law no. 11 of 2008, which was changed to Law no. 19 of 2016 concerning electronic information and transactions. Legal protection of online banking users from cybercrime also serves as a research focus. Several studies also highlight the importance of policy protection for victims of economic crime in the banking sector. Customer protection in digital banking systems is becoming increasingly important along with rapid technological developments

One of the technological developments in the economic sector that has had a big influence is Fintech, which is an innovation in the field of technology in terms of transactions for giving and receiving loans, without having to meet face to face, or what is better known as online loans. The legal provisions governing conventional agreements are the same as the legal provisions governing online agreements. Due to the negative impact of illegal online loans, it is necessary for the Community Service Team (PkM) of the Faculty of Law, University of Semarang (USM) to hold outreach and counseling with the theme "Increasing Understanding of the Trimulyo Genuk Semarang Community Regarding the Legal Aspects of Online Loan Agreements". This activity uses 5 (five) methods, namely, pre-test, counseling, question and answer, post-test and evaluation methods. The results of this activity showed an increase in public understanding by 69.2%.

Social media has become an effective tool in political campaigns. Politicians can use social media to promote themselves, disseminate information, and interact directly with voters. Social media also allows political parties to gauge public sentiment, understand voter needs, and respond with relevant policies. However, there are several challenges in using social media as a campaign tool, such as the spread of invalid information, the use of bot accounts, and the manipulation of opinions. Therefore, it is important for politicians and political parties to manage social media well and ensure that the information disseminated is correct and accountable. In addition, social media can also strengthen political polarization and reduce the ability to reach political agreements. Despite this, social media remains an effective tool in political campaigns, and its use continues to grow in Indonesia.

This research was conducted to analyze the mechanism for distributing commissions for sales of consignment goods to snack business actors in Sidodadi Village, Sekampung, East Lampung. Research was conducted on two cassava cracker making home industries, namely the Pelangi Cassava Cracker Home Industry and the Satria Cassava Cracker Home Industry which implemented a consignment sales system. Data was obtained through interviews with business owners. The research results show that there are differences in basic prices and commissions between the two home industries which are influenced by several factors. The recording system for consignment sales has not been fully implemented. It was concluded that the commission distribution mechanism had been carried out based on an agreement, but consignment accounting records had not been implemented completely.

This study aims to analyze the level of cake sales with a consignment sales mechanism at Al-Khidmah Nurzaman Store in Cendrawasih Market Metro Lampung. The research used a field study method with interview data collection techniques. The results showed that the level of cake sales with the consignment system was higher than regular sales. The consignment sales rate grew 56% while regular sales were only 44%. The commission sharing system between cake owners (pengamanat) and shop owners (commissioners) is adjusted based on the agreement, which is 10-20% of the selling price per product. The consignment system is effective for both parties because the commissioner does not need additional capital and the pengamanat can expand marketing, although the pengamanat must apply specific criteria to avoid losses due to damage or unsold products.

The purpose of this research is to find out how the legal rules regarding cooperation agreements in business activities are viewed from a business law perspective and what forms of cooperation in trade activities can be carried out by company management. By using normative juridical research methods, it is concluded: 1. The legal rules regarding cooperation agreements in business activities are reviewed from the perspective of business law, referring to Civil law, especially Article 1313 of the Civil Code, which states that "An agreement is an act in which one or more people bind oneself to one or more other people." So it is clear that agreements give rise to agreements, as well as the Trade Code and Indonesian laws and regulations in various forms of business entities. 2. Forms of cooperation in trading activities that can be carried out by company management, such as Mergers, Consolidations, Joint Ventures and Franchising. A merger is a combination of one or several business entities so that from an economic point of view they are one unit, without merging the merged business entities. Consolidation/merger between two or more business entities that combine themselves to merge into one and form one new business entity (consolidation). This aims to "make healthy" the business entity concerned or what is usually called restructuring. Joint Venture is an agreement between two or more parties to collaborate in an activity. Franchise Agreement in which one party is given the right to exploit and/or use the rights to intellectual property or inventions, or business characteristics owned by another party in exchange for compensation based on the terms and/or sale of goods and services. 1 Article. 2 Lecturers at the Faculty of Law, Unsrat, Manado. Master of Law.

This research aims to analyze the implications of business law on business ethics practices in Indonesia. The research method used is library research, where data is collected from various literature sources that are relevant to the research topic. The research results show that business law has an important role in shaping business ethical practices in Indonesia. Business law regulates the rights and obligations that arise from agreements and engagements in business practices. In addition, factors such as national development developments, business ethics, internal and external factors, and legal awareness influence the implementation of business law in ethical and responsible business practices. Therefore, the solutions and recommendations provided to improve the implementation of business law and ethical business practices in Indonesia include strengthening regulations, effective law enforcement, education and awareness, collaboration between government and the business world, transparency and accountability, and the establishment of a supervisory body. independent. It is hoped that the implementation of this solution can create a business environment that is fair, transparent and has integrity, as well as making a positive contribution to economic development and social welfare in Indonesia.  

This study aims to determine the position of the object of the fiduciary guarantee transferred by the debtor based on the agreement with PT. Pegadaian and to determine the efforts to settle the credit transferred by the debtor. This research was conducted at PT. Pegadaian Pasar Butung Makassar and used the Normative-Empirical research type method. The approach is carried out with literature in reality based on interviews and documentation. The results of the study indicate that to determine the legal position of the object of the fiduciary guarantee transferred by the debtor, registration is required. PT. Pegadaian does not register a fiduciary guarantee in its entirety with consideration of costs, so that the legal position of the object of the fiduciary guarantee has a legal weakness in the sense of lack of legal certainty for creditors, because the debtor has violated the provisions of Article 23 paragraph (2). In addition, to settle loans with fiduciary guarantees whose objects are transferred by the debtor, PT. Pegadaian takes a negotiation method with the debtor and the third party who receives the transfer of the object of the fiduciary guarantee, namely by replacing the object of the collateral transferred to the third party with the object belonging to the debtor whose value is equivalent to the object of the guarantee that has been transferred, because PT. Pegadaian has material rights over the object of collateral.

This research aims to analyze customer perceptions regarding the use of microcredit financing with a focus on the case study of Bank Syariah Indonesia (BSI) KCP Medan Kampung Baru. Utilizing surveys and qualitative data analysis, the research methodology aims to understand the strengths and weaknesses of the sample through observation, interviews and document analysis of the sample's perceptions of the product using Murabahah principles. In this context, research examines the factors that influence public trust in the progress, transparency and quality of the implementation of Murabahah law. The survey collected customer responses from BSI KCP Medan Kampung Baru, while qualitative data analysis was carried out to identify customer views in more detail. It is hoped that the findings of this research will help in understanding the effectiveness of implementing the Murabahah model in micro product development and how it affects customer needs and expectations. The practical implications of this can help Islamic banks improve their products and services and strengthen their ties with customers, especially at BSI KCP Medan Kampung Baru.

The implementation of the Job Creation Law (UU Job Creation) in Indonesia presents significant changes in employment regulations, especially regarding Specific Time Work Agreements (PKWT). This article evaluates the impact of the Job Creation Law on PKWT by analyzing changes in legal provisions that affect worker characteristics, rights and protection. The Job Creation Law introduces flexibility during the PKWT period, providing leeway for entrepreneurs to adapt working conditions to their business needs. However, this also raises concerns regarding the protection of workers' rights in certain time-based employment relationships. Efforts to clarify wage standards, benefits and social protection for workers in PKWT are the main highlight of this change. The importance of strict monitoring of the implementation of the Job Creation Law in the PKWT is crucial to ensure a balance between the interests of employers and workers' rights. Discussion and collaboration between the government, trade unions, employers and other stakeholders are essential to formulate fair and sustainable regulations for workers and equitable economic growth.

This research aims to determine the legal protection for creditors if the fiduciary guarantee deed is not registered by a notary, and the legal implications if the fiduciary guarantee is not registered by a notary. The method used in this research uses the Juridical Sociology method.The results of the research show that a fiduciary agreement which makes the object of collateral (in the form of objects) in a subsidiary agreement (acessoir) of the main agreement has weak legal protection for creditors if the agreement is not registered by a Notary through the Fiduciary Guarantee Institute, as stipulated in the Law Number 42 of 1999 concerning Fiduciary Guarantees. The legal implications for creditors' rights because they do not comply with the principle of publicity as per the applicable consensus, in this case is Law Number 42 of 1999 concerning Fiduciary Guarantees which regulates Preferential Rights and Executorial Rights.For the implementation of financing by making objects into objects, an agreement process should be carried out in accordance with the Fiduciary Guarantee consensus by referring to Law Number 42 of 1999, by fulfilling the principle of publicity as the main legal principle in material guarantee law.

Trade is an activity of exchanging goods and services based on mutual agreement without any element of coercion. Import and export activities are economic activities that cannot be separated from trade and are a unity that can encourage the improvement and growth of the economy in a country. The purpose of this research is to focus on the effect of import-export on economic growth, the evaluation of the contribution of Customs, and the role of international trade supervision. Customs or customs authorities in Indonesia, known as Customs and Excise, are the gateway to international trade. Customs manages state finances and implements state revenue through import duties and excise. The results of this study show that Indonesia's economic growth is influenced by global economic growth. In the first quarter of 2023, export activity weakened with the moderation of international commodity prices which supported the exports of North Sumatra Province. Export performance in North Sumatra grew 2.45% (yoy), lower than the previous quarter which amounted to 9.77% (yoy). Export activities in Indonesia are one of the efforts made by the government to follow the development of industrialization every year. Competition between products in foreign markets depends on price, quality, and quality of goods are important factors in competing in export activities.

Bahasa plays a very important role for people and society, for example by creating a tool to maintain the exchange of ideas between, among, or within groups of people within a particular group. Groups are also considered personal identities. Communication is an activity that unites, connects and builds relationships between many people. This scientific work aims to formulate the problem of the role of Indonesian in facing the era of globalization. This research uses a literature review method, which means this method examines the results of analysis of various conceptual information as well as qualitative and quantitative data from various previously published scientific articles. Almost all agreements in Indonesia are dominated by long sentences, up to eighty to one hundred words in one sentence. This is ironic, because Indonesian shouldn't be like that, thus showing clichéd mistakes that keep repeating themselves and lead to uncertainty. In short, understanding Indonesian is no longer the responsibility of a linguist or writer, but also of legal practitioners as the spearhead of law enforcement in Indonesia.

Nominee agreement sebagai salah satu perkembangan hukum kontrak atau perjanjian di luar KUHPerdata merupakan suatu praktik yang sering terjadi Di Indonesia. Mengenai hak milik atas tanah terhadap Warga negara asing tidak diatur lengkap dalam UUPA.Tujuan penelitian: 1. Untuk mengetahui, menganalisis factor-faktor yang menyebabkan terjadinya Pembatalan Perjanjian Pengikatan Jual Beli dengan Pembeli Warga Negara Asing serta 2. Pertimbangan Hukum bagi Hakim dalam memutus suatu perkara pada putusan Nomor489/PK/Pdt/2021 dan 3. Akibat hukum yang ditimbulkan.  Metode penelitian yang digunakan tipe penelitian yuridis normatif. Spesifikasi penelitian deskriptif analisis, sumber data sekunder dan metode analisis datanya kualitatif. Hasil penelitian sebagai berikut: 1. Faktor-Faktor yang menyebabkan terjadinya pembatalan Perjanjian Pengikatan Jual Beli Dengan Pembeli Warga Negara Asing yaitu adanya wanprestasi yang dilakukan oleh salah satu pihak dalam perjanjian. 2. Pertimbangan hukum bagi hakim dalam memutus suatu perkara pada Putusan Nomor 489 PK/Pdt/2021 yaitu menolak permohonan Peninjauan Kembali dari pemohon NICHOLAS JOHN HYAM dan menghukum pemohon untuk membayar biaya perkara dan 3. Akibat hukum yang ditimbulkan yaitu tanggung jawab secara perdata oleh Notaris yakni dengan tanggung gugat berupa ganti rugi yang didasarkan pada suatu hubungan hukum antara Notaris dengan penghadap. Notaris yang membuat perjanjian nominee yang akibatnya akta tersebut batal demi hukum Pasal 1320 KUHperdata, Sanksi terhadap pelanggaran kode etik yaitu dapat berupa: teguran, peringatan, pemecatan sementara, pemecatan dari keanggotaan dan pemberhentian dengan tidak hormat.

Cooperation between economic actors such as financial institutions is an embodiment of the concept of the rule of law in economic development. Financial institutions such as banks provide credit to the public but there are also credit risks. So Bank Indonesia issued Guidelines for Preparing Credit Policies (PPKPB) for Commercial Banks, on March 31 1995, through Bank Indonesia Directors' Decree No.27/162/KEP/DIR which contains credit agreements in standard form. The existence of standard clauses in bank credit agreements containing the debtor's obligations, which aim to protect the creditor's interests, is unfair to the debtor. For this reason, it is necessary to study the weaknesses in the regulation of default on agreements with guarantees of mortgage rights. This research is based on John Rawls's Theory of Justice and Lawrence M. Friedman's Legal System Theory. The research specifications are analytical descriptive, with a sociological juridical research type. Regulations on default on agreements with guaranteed mortgage rights have weaknesses in the legal structure aspect, namely the lack of synergy between law enforcement officials. Apart from that, there are weaknesses in the legal substance aspect, namely related to the provisions contained in Article 15 UUHT, as well as weaknesses in the legal culture aspect which can be seen from the public's lack of knowledge about credit agreements and the lack of socialization regarding legal regulations related to the basic principles of agreement law.

This research aims to analyze the Remas Organization (Riyadhul Jannah Mosque Youth) KD Kampil Village, which was founded at the end of 2020. The problems that are the focus of the research include the lack of involvement of members, especially female members, lack of initiative from youth, and internal problems in monthly deliberations. The research methods used were participatory observation, interviews with the Head of the Organization, Ahmad Syafi'udin, and analysis of documentation related to organizational activities. The research results show that the lack of involvement of female members is influenced by the large number of female members who are married, while the lack of youth initiative is caused by the workload of young people who are already working. Internal problems in monthly deliberations involve disagreements between members and inconsistent attendance. Proposed improvement efforts include increasing the involvement of female members through special programs, encouraging youth initiative through leadership training activities, and improvements in the deliberation process to increase the effectiveness of meetings and minimize conflict. It is hoped that this research can contribute to improving the performance and involvement of members in the KD Kampil Village Remas Organization.

Franchising is a business system carried out by two parties, namely the Franchisor and the Franchisee, in which the Franchisor grants license rights to the Franchisee based on the Agreement. This Franchise Agreement is a legal basis that is made in writing. In order for a business to be said to be a franchise, it must follow the criteria specified in the regulations, one of which is registering the prospectus of the franchise agreement and ownership of the Franchise Registration Certificate. However, in reality, in this case Neynis Food, has not registered its business with the state, but has claimed itself as a business that opens a franchise. Therefore, the author conducts research to obtain an overview of the legal consequences that occur if the Franchisor does not register its franchise and legal protection for Franchisees. This paper is made using the normative juridical research method. This research is conducted by investigating secondary data, which means that this research examines the laws that apply to society and their implementation in practice. The results of the research on this issue show how the implementation of Indonesian laws and regulations on franchising practices in Indonesia and it is known that the Neynis Food business cannot be qualified as a franchise, and if it continues to claim itself as a franchise, then the business can be said to be illegal because it does not fulfill the elements of franchising regulated in Permendag 71 of 2019.