In this paper, the authors will analyze: (1) the details of the home ownership loan agreement in the Labuha Branch of Bank Syariah Indonesia (The Indonesian Sharia Bank/BSI) and (2) how to resolve the issue of default carried out one of the parties in the home ownership loan agreement in the Labuha Branch of BSI. Members of society who wish to own a home but lack funds may utilize the credit facilities provided by BSI by making a credit agreement (home ownership loan). It is one of the solutions for prospecting housing consumers to quickly have a house. This paper is urgent because the increasing Indonesian population leads to an increase in demand for housing. Banks like BSI can help society obtain house ownership loans amid the increasing house prices. This paper employed the normative empirical legal research method. Results showed that the agreement carried out by the debtor and creditor is already according to the applicable regulations. It was shown that there was an increase in the number of debtors who obtained home ownership loans from the Labuha Branch of BSI. In total, 83 debtors obtained such facilities from 2021 to 2023. In the case of problematic debtors, ten debtors experienced a default in the Labuha Branch of BSI from 2021 to 2023. In the case where debtors fail to carry out their obligations in paying installments or in repaying their debt, then the bank will sell the collateral object or the house.

Victims of sexual harassment against people with disabilities experience severe consequences. In addition to being vulnerable to prejudice or discrimination, this minority group also has difficulty in accessing adequate legal protection. The purpose of this article is to examine the legal protection provided to people with disabilities who are targets of sexual harassment in society. The research method used is a normative literature review that examines relevant laws, regulations, and practices. According to this study, although there are legal instruments such as Law Number 8 of 2016 concerning Persons with Disabilities and Law Number 12 of 2022 concerning Criminal Acts of Sexual Violence (TPKS), there are still a number of obstacles in implementing these laws effectively, such as lack of public awareness, limited access to legal infrastructure, and social stigma against individuals with disabilities. The results of this study highlight the need to improve the capacity of law enforcement, build accessible facilities, and educate the community to create a safe and supportive environment for people with disabilities. This article offers suggestions on tactics to improve legal protection and achieve social justice for victims of sexual disclosure who have disabilities.

 This paper aims to analyze the implementation of restitution right fulfillment for children as sexual crime victims in the legal area of the North Maluku High Prosecutor’s Office, Indonesia and the challenges in fulfilling these rights. Restitution is compensation given to the victim by the perpetrator of the crime or a third party and is an effort to guarantee the rights of victims. There was an issue where restitution rights were seldom strived for by law enforcers. Another problem is that society lacks knowledge of the existence of restitution rights. This paper is urgent because it may provide information on why these issues exist and how to resolve them in order to give victims their rights. This was empirical research which employed the statute approach and the case approach. In this paper, the live case study was applied. Results showed that the restitution fulfillment of children as sexual crime victims in the North Maluku High Prosecutor’s Office was still suboptimum as there was only one case in 2022 where the general prosecutor strived to demand restitution. The restitution is regulated in Governmental Regulation No. 43 of 2017 and Guidelines Supreme Court No. 1 of 2021. Law enforcing apparatuses and social institutions need to organize an education program for society on restitution rights for children as sexual crime victims in the North Maluku Province to increase their awareness. The application for restitution should be strived for by law enforcers starting from the investigation stage as more time is available.

Pajak Bumi Bangunan merupakan pajak yang dipungut oleh pemerintah daerah Kab/Kota yang semula dipungut oleh pemerintah pusat. Pendapatan pajak tersebut juga berpengaruh kepada pendapatan asli daerah guna mewujudkan pembangunan yang mensejahterakan. Pengalihan pemungutan yang sebelumnya dilakukan oleh Pemerintah Pusat dan sekarang dipungut oleh Pemerintah Daerah guna meningkatkan Pendapatan Asli Daerah serta memperbaiki Anggaran Pendapatan dan Belanja Daerah. Fungsi yang dialihkannya kewenangan tersebut kepada daerah untuk mewujudkan pelayanan masyarakat yang baik, bertransparansi, dan berakuntabilitas dalam pengelolaannya. Kenyataannya pajak bumi bangunan setelah dialihkan untuk dikelola oleh pemerintah daerah tetap harus terbagi kembali sesuai dengan Undang-Undang No 33 Tahun 2004 dan Peraturan Menteri Keuangan 34/PMK.03/2005. Efektifitas dan kontribusi pajak dapat dihitung guna mengukur seberapa efektif pajak bumi dan bangunan di kelola oleh pemerintah daerah. Strategi pemerintah daerah sangat diperlukan guna meningkatkan kesadaran patuh wajib pajak. Langkah tersebut harus bijak serta berpedoman pada hukum pajak yang berlaku pada daerah tersebut. Hukum pajak tidak terlepas dari sistem pemungutan pajak yang digunakan sesuai dengan Pasal 23 ayat (2) UUD 1945.

Traditional knowledge is a subset of intellectual activity that stems from a country's collective ideas, opinions, or discoveries. This research aims to analyze: (1) The municipal government provides legal protection for intellectual property rights in traditional knowledge to increase the welfare of Ternate City inhabitants and (2) the potential for registering intellectual property rights related to traditional knowledge from 2019 to 2023 in Ternate City. The legislation method and the case approach were used in this empirical study. The most feasible way for the Indonesian government to protect traditional knowledge now is to strengthen the database on traditional knowledge. Special regulations are urgently needed that regulate the implementation of licensing procedures for users of Traditional Knowledge. The urgency of this research because It was found that from 2019 to 2023 in Ternate City, no traditional knowledge database yet existed. On this basis, there needs to be tactical steps from the Ternate City Regional Government in encouraging city branding about the utilization of traditional knowledge. The novelty of this research because Ternate has an abundant amount of traditional knowledge from its hundreds of ethnic groups that need to be legally protected but nearly zero traditional knowledge is processed with property rights. This paper is urgent and it contributes to science as it provides knowledge on how to legally protect this valuable knowledge.