The purpose of this research is to determine the legal consequences that can be borne by the giver of the name in the nominee agreement against defaulting paylater borrowers and the form of legal protection for the name giver in cases of default by paylater borrowers. The paylater payment method is a popular payment method in the community, but in its use abuse is often found, namely borrowing names, where borrowing names is done orally on the basis of trust which often results in default. This research uses normative legal research methods with the type of library research and uses statue approach and conceptual approach. The results of the study show that due to the insistence on norms, the legal consequences that arise are that the debtor or the party giving the name must be fully responsible if a default occurs by a third party, because the payment provider does not care who binds himself while the terms of the agreement are agreed, other than that the form Legal protection for lenders for the use of later payments is not specifically regulated in laws and regulations, while protection can be carried out, namely by holding amicable deliberations to ask for the fulfillment of obligations accompanied by compensation. Penelitian ini bertujuan untuk mengetahui akibat hukum yang dapat ditanggung oleh pemberi nama dalam perjanjian pinjam nama terhadap peminjam paylater yang wanprestasi dan bentuk perlindungan hukum bagi pemberi nama dalam kasus wanprestasi oleh peminjam paylater. Metode pembayaran paylater menjadi metode pembayaran yang popular dimasyarakat, tetapi dalam penggunaanya kerap kali ditemukan penyalahgunaan yakni terjadi pinjam nama penggunaan paylater, yang mana pinjam nama ini dilakukan secara lisan atas dasar kepercayaan yang tidak jarang menimbulkan wanprestasi. Penelitian ini menggunakan metode penelitian hukum normatif dengan jenis penelitian kepustakaan serta menggunakan pendekatan perundang-undangan dan pendekatan konseptual. Hasil penelitian menunjukan bahwa akibat hukum yang ditimbulkan adalah debitur atau pihak pemberi nama harus bertanggung jawab penuh jika terjadi wanprestasi oleh pihak ketiga, karena pihak penyedia paylater tidak peduli dengan siapa mengikatkan diri selagi syarat dalam perjanjian terpenuhi, selain itu bentuk perlindungan hukum bagi pemberi pinjam nama penggunaan paylater ini tidak secara khusus diatur dalam perundang-undangan, adapun perlindungan yang dapat dilakukan yakni dengan cara melakukan musyawarah secara kekeluargaan untuk meminta pemenuhan kewajiban disertai dengan ganti rugi.

<p><em>This study aims to find out and understand how the communication strategy used by the Wahyu Turonggo Seto art group in conveying information both to its members and to the public. This study uses 3 methods, observation, interviews, and documentation. The data analysis technique uses the steps according to Miles and Huberman, namely data collection, data reduction, data presentation, to drawing conclusions. There are 4 informants, namely art group managers, art group members, art lovers, and the general public. The results of the study show that the communication strategy carried out by the Wahyu Turonggo Seto art group is by using wara-wara directly and indirectly, such as through social media. The use of this strategy is said to be effective because people are already using digital applications as an effort to meet their information needs. The obstacles faced by the Wahyu Turonggo Seto art group are that there are some members who are old and do not have gadgets to receive information related to schedules and other matters related to the arts group.</em></p>

<p><strong>Abstract: </strong>The increase in divorce cases that occur in Indonesia from year to year has caused many victims, one of them is children. The majority of children who have a history of parental divorce can have high stress and low subjective well-being. One form of effective treatment is music therapy. This study uses an experimental quantitative approach with a pretest-posttest control group design. The subjects in this study were divided into two groups consisting of 5 subjects in the experimental group and 5 subjects in the control group. Data were obtained through two scales, namely the stress scale and the subjective well-being scale. This study used an independent sample t-test with p value = 0.028 (p &lt; 0.05) for stress and p = 0.008 (p &lt; 0.05) for subjective well-being. These results indicate that there are significant differences in the control and experimental groups. Thus, it can be concluded that music therapy is effective for reducing stress and increasing subjective well-being significantly in early adults who have a history of parental divorce.<br /><strong><em>Keywords: </em></strong><em>Adults, Broken Home, Music Therapy, Stress, Subjective Well-Being</em></p><p><strong>Abstrak: </strong>Peningkatan kasus perceraian yang terjadi di Indonesia dari tahun ke tahun menimbulkan banyak korban salah satunya anak. Mayoritas anak yang memiliki riwayat perceraian orang tua dapat memiliki stres tinggi dan <em>subjective well-being</em> yang rendah. Salah satu bentuk penanganan yang efektif ialah terapi musik. Penelitian ini menggunakan pendekatan kuantitatif eksperimen dengan desain <em>pretest-posttest control group design</em>. Subjek dalam penelitian ini terbagi menjadi dua kelompok yang terdiri dari 5 subjek kelompok eksperimen dan 5 subjek kelompok kontrol. Data diperoleh melalui dua skala yaitu skala stres dan skala <em>subjective well-being</em>. Penelitian ini menggunakan uji <em>independent sample t-test </em>dengan nilai p=0,028 (p&lt;0,05) untuk stres dan nilai p=0,008 (p&lt;0,05) untuk <em>subjective well-being</em>.<em> </em>Hasil ini menunjukkan bahwa terdapat perbedaan yang signifikan pada kelompok kontrol dan eksperimen. Sehingga, dapat disimpulkan, terapi musik efektif untuk menurunkan stres dan meningkatkan <em>subjective well-being</em>  secara signifikan pada dewasa awal yang memiliki riwayat perceraian orang tua.<br /><strong><em>Kata Kunci: </em></strong><em>Dewasa Awal, Perceraian, Stres, Subjective Well-Being, Terapi Musik</em></p>