The widespread phenomenon of bad debts on PayLater has become a serious problem affecting the younger generation. This community service activity aims to educate the risks of PayLater as a form of early financial literacy prevention at the secondary school level. PayLater requires terms and conditions to be met. However, users often ignore these terms and conditions, resulting in legal consequences. The legal provisions regarding PayLater in e-commerce are regulated by Financial Services Authority Regulation Number 10/POJK.05/2022 concerning Information Technology-Based Joint Funding Services, and the Agreement under Article 1313 of the Civil Code (KUHPerdata). This agreement is considered a standard agreement because it contains terms and conditions made by one party and an electronic agreement made and documented in an electronic document. The community service activity was carried out by the Community Service Team in partnership with SMA Kesatrian 2 Semarang, targeting the school's eleventh-grade students. The community service location is at Jalan Gajah Raya No. 58, Gayamsari, Semarang City. The problem faced by partners is a lack of understanding regarding the legal aspects of using PayLater on e-commerce platforms. Therefore, the Community Service team conducted outreach to provide understanding regarding this matter. This community service activity utilized methods including lectures and question-and-answer sessions to address the partners' concerns. To gauge the students' level of understanding, a pre-test was conducted before the presentation. Following the Q&A session, the community service team provided an evaluation through a post-test.

This study aims to determine the application of Intellectual Property Rights in the franchise agreement on the Chemical Joss Clean Product Franchise contract and the legal consequences if there is a breach of contract on the Chemical Joss Clean Product Franchise. The innovative and environmentally friendly "Chemical Joss Clean" product is highly dependent on the protection of intellectual property rights (IPR) such as copyright, trademarks, patents, and trade secrets. To prevent unauthorized use, this study highlights the importance of the franchise agreement as a legal protection tool for the parties involved, and can sue legally if there is a violation, thus providing a sense of security and legal certainty between PT. Muhandas Citra Cemerlang as the franchisor and Franchisee CV. Damar Luhur Abadi as the recipient of the Franchise regarding the implementation of the franchise agreement. The urgency of the research is to ensure the success and sustainability of the franchise business. The research method uses juridical law with qualitative data analysis. The results of this study are the Franchise Agreement between PT. Muhandas Citra Cemerlang and CV. Damar Luhur Abadi has fulfilled the elements contained in Article 1320 of the Civil Code so that the agreement that has been established will bind both parties and become law for both parties. Points concerning IPR are regulated in Article 12 of Intellectual Property Rights in the Joss Clean product business partner agreement letter. The supervision mechanism from the franchisor to ensure that franchisees comply with the provisions related to the IPR of Joss Clean products, both PT. Muhandas Citra Cemerlang and CV. Damar Luhur Abadi have committed to jointly maintaining and supervising the use of the Joss Clean brand in accordance with the applicable agreement.
 
Abstrak
Penelitian ini bertujuan untuk mengetahui penerapan Hak Kekayaan Intelektual dalam perjanjian waralaba pada kontrak waralaba (Franchise) Produk Chemical Joss Clean dan akibat hukum apabila terjadi wanprestasi pada kontrak Franchise Produk Chemical Joss Clean. Produk "Chemical Joss Clean" yang inovatif dan ramah lingkungan sangat tergantung pada perlindungan hak kekayaan intelektual (HKI) seperti hak cipta, merek dagang, paten, dan rahasia dagang. Untuk mencegah penggunaan yang tidak sah, penelitian ini menyoroti pentingnya perjanjian franchise sebagai alat perlindungan hukum bagi para pihak yang terlibat, dan dapat menuntut secara hukum jika terjadi pelanggaran, sehingga memberikan rasa aman dan kepastian hukum antara PT. Muhandas Citra Cemerlang selaku franchisor dan Franchisee CV. Damar Luhur Abadi selaku penerima Franchise mengenai pelaksanaan perjanjian waralaba (Franchise). Urgensi penelitian untuk menjamin keberhasilan dan kelangsungan bisnis franchise. Metode penelitian menggunakan hukum yuridis dengan analisis data kualitatif. Hasil penelitian ini adalah Perjanjian Waralaba antara PT. Muhandas Citra Cemerlang dan CV. Damar Luhur Abadi telah memenuhi unsur-unsur yang terdapat pada Pasal 1320 KUHPerdata sehingga kesepatakan yang telah terjalin akan mengikat kedua belah pihak dan menjadi hukum bagi kedua belah pihak. Poin-poin yang menyangkut HKI diatur dalam Pasal 12 Hak Kekayaan Intelektual pada surat perjanjian mitra bisnis produk Joss Clean. Mekanisme pengawasan dari pihak franchisor untuk memastikan penerima waralaba mematuhi ketentuan terkait HKI produk Joss Clean baik pihak PT. Muhandas Citra Cemerlang dan CV. Damar Luhur Abadi sudah berkomitmen untuk bersama-sama menjaga dan melakukan pengawasan penggunaan merek Joss Clean sesuai perjanjian yang berlakuCemerlang dan CV. Damar Luhur Abadi sudah berkomitmen untuk bersama-sama menjaga dan melakukan pengawasan penggunaan merek Joss Clean sesuai perjanjian yang berlaku.

Most students who have just arrived and live in a new area experience culture shock. This is because it is difficult to adapt and adjust to their social life. Social support is very important to be given especially to new students, because social support can provide comfort and a feeling of being loved. Method: Quantitative research type with cross sectional approach. The sample used was 100 students in Lasem with the technique used was total sampling. The correlation test used in this study was the Chi-square test. The results of the study showed that the majority of students had good social support with moderate culture shock, namely 58 students (58%). Based on the Chi-square test, a p-value of 0.000 (<0.05) was obtained, which means that there is a relationship between social support and culture shock in students at Islamic Boarding Schools in Lasem. There is a close relationship between social support and culture shock in students in Lasem (p value 0.000).

Students are individuals who have graduated from high school/high school and are currently pursuing higher education at a university. The study period is an important period to look forward to, even though new students often face challenges in the form of academic stress. The transition period from high school to college, busy schedules, new environments, and homesickness are factors that cause stress (Ajeng Febrianti Rahayu et al., 2021). Adaptation is an important skill to help students face these changes. According to Adimiharja (1993), adaptation is the process of a person adapting to the environment and using resources to solve problems. In the first year of college, the ability to adapt is the basis for success in studying for the next few years (Rahmadani & Mukti, 2020). According to Sarafino (2012),stress is the body's response to demands that exceed an individual's capabilities (Hasanah, 2019). How to deal with stress is different for each person, from avoiding the source of stress to solving the problem that causes it. For new students, this stress occurs because of major changes, especially in the learning system (Paramita et al., 2022).

This article discusses the review of Social Conflict Resolution Related to Bullying Cases Through the Deliberation System Based on the Perspective of Pancasila. Bullying can be physical, verbal, and mental. Bullying cases in Indonesia are increasing and need serious handling. Deliberation based on Pancasila values can be a solution to resolve bullying conflicts peacefully and constructively. A culture of deliberation needs to be promoted in schools and communities to create a safe environment and respect for human rights. This article discusses the importance of resolving bullying-related social conflicts through a deliberation system based on the perspective of Pancasila. Bullying conflicts create tension and hostility in society, and if not properly addressed can affect the school and workplace environment. This research uses a normative juridical research method by referring to literature and internet materials. Bullying is a form of physical and psychological violence that can be experienced by anyone, and has long existed in society. Bullying is increasingly widespread in educational institutions, influenced by family, environmental, peer group, and media factors. Victims of bullying experience psychological, physical, social and academic impacts. Perpetrators of bullying also experience psychological, social, academic and long-term impacts. The resolution of bullying conflicts can be done through deliberation based on the values of Pancasila, but if not, the conflict can be resolved through deliberation.

General elections (elections) are a benchmark for the success of democracy for countries that adhere to democratic principles such as Indonesia. The large number of hoax issues surrounding the election that are spread via social media are often considered cybercrime or cybercrime. Meanwhile, criminal law is currently developing discussions about Restorative Justice, which offers forms of settlement with the aim of fulfilling the wishes of the parties with a win-win solution. The legal issue analyzed in this research is how restorative justice policies apply in enforcing the law against perpetrators of spreading fake news (hoaxes) related to elections on social media to see the possibility of using alternative dispute resolution for election violations, especially at the police level. The method used in this research is normative juridical, using literature study and a statutory and regulatory approach related to the legal issue being discussed. This research shows that the Restorative Justice Policy against perpetrators of spreading fake news (hoaxes) taken by the Police is carried out to create a clean, healthy and productive Indonesian digital space so as not to give rise to diversity in investigative administration and differences in interpretations of investigators and irregularities must be carried out in a persuasive, educational manner. so that there is no suspicion of criminalization in the criminal act of spreading fake news (hoax) against the perpetrator or in other words the person being reported. 

Recent developments in the property sector have increased the demand for financing, with regards to land that will be used as collateral for credit, this is done through the binding of a Deed of Granting Mortgage Rights. In this binding, the Land Deed Official has a very important role until the Mortgage Rights Certificate is issued. The implementation and responsibilities of Land Deed Making Officials in the City of Semarang are carried out in 3 offices, namely the Office of the Notary-Land Deed Making Official (PPAT) Jatmiko Nugroho, SH., M.Si, the Notary-PPAT Office Sasmito Raharjo, SH., MH, and the Office Notary Dr, Muhammad Hafidh, SH., M.Kn in this research will discuss the Implementation and Responsibilities of Land Deed Officials in Registration of Mortgage Rights, obstacles and how to resolve them. The method used is a sociological juridical research method, with research specifications namely analytical descriptive. The data used in this research are primary data and secondary data through qualitative analysis. The research results show that the implementation and responsibilities of the Land Deed Official in registering mortgage rights in Semarang City are as follows, namely the implementation and responsibilities of the Official include checking certificates, making land deeds, explaining to the parties involved, verifying documents, signing land deeds, registration at the land office until receipt of the Mortgage Rights Certificate. The obstacles in this research are an unstable network, writing errors in the deed, time constraints, banks/creditors who don't understand the application, changing creditor staff with solutions namely improving the internet network system, data correction efforts, application training and thoroughness from various parties.AbstrakAdanya perkembangan zaman mengenai sektor properti meningkatkan  permintaan pembiayaan, berkaitan dengan tanah yang akan digunakan sebagai jaminan kredit dilakukan melalui pengikatan Akta Pemberian Hak Tanggungan. Dalam pengikatan tersebut Pejabat Pembuat Akta Tanah memiliki peran yang sangat penting hingga terbitnya Sertifikat Hak Tanggungan. Pelaksanaan dan Tanggung Jawab Pejabat Pembuat Akta Tanah di Kota Semarang dilakukan di 3 Kantor yaitu Kantor Notaris- Pejabat Pembuat Akta Tanah (PPAT) Jatmiko Nugroho, SH., M.Si, Kantor Notaris-PPAT Sasmito Raharjo, SH., MH, dan Kantor Notaris Dr, Muhammad Hafidh, SH., M.Kn dalam penelitian ini akan membahas mengenai Pelaksanaan dan Tanggung Jawab Pejabat Pembuat Akta Tanah dalam Pendaftaran Hak Tanggungan, hambatan dan bagaimana penyelesaiannya. Metode yang digunakan adalah metode penelitian yuridis sosiologis, dengan spesifikasi penelitian yaitu deskriptif analitis. Data yang digunakan dalam penelitian ini yaitu data primer dan data sekunder melalui analisis kualitatif. Hasil penelitian menunjukan bahwa pelaksanaan dan tanggung jawab Pejabat Pembuat Akta Tanah dalam pendaftaran hak tanggungan di Kota Semarang adalah sebagai berikut yaitu sebagaimana pelaksanaan dan tanggung jawab Pejabat mencakup pengecekan sertipikat, pembuatan akta tanah, penjelasan kepada pihak yang terlibat, verifikasi dokumen, penandatanganan akta tanah, pendaftaran ke kantor pertanahan hingga penerimaan Sertifikat Hak tanggungan.  Adapun hambatan dalam penelitian ini yaitu jaringan yang kurang stabil, kesalahan penulisan pada akta, keterbatasan waktu, pihak bank/kreditur yang kurang memahami aplikasi, pergantian staff kreditur dengan penyelesaian yaitu peningkatan sistem jaringan internet, upaya pengkoreksian data, pelatihan aplikasi dan ketelitian dari berbagai pihak.

This research was motivated by several cases resulting from the actions of naughty debtors which caused significant losses for Indonesia. There is a legal vacuum in Law Number 10 of 1998 concerning Banking, making it difficult for law enforcers to determine criminal acts committed by naughty debtors. The problem formulation taken is how banking law in Indonesia is in the perspective of legal objective theory, and what is the juridical review of bad debtors in the banking law. This research uses a normative legal research approach with a theory and legal principles approach. Several things need to be reviewed due to the impact caused by Law Number 10 of 1998 concerning Banking, namely that there is an article that can only ensnare bank employees if there is some form of criminal liability. Apart from that, there is no clause that regulates criminal sanctions for bank employees who collude with debtors. Bank Indonesia can impose administrative sanctions, but this authority is not regulated expressly and unequivocally in the Banking Law. So that Bank Indonesia has the potential to abuse its authority in determining actions.
 
 

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.

MSMEs are one of the strengths in economic development in Semarang City, especially in the food sector. However, food MSMEs are the first rank that have not registered a brand. The current rise in imitation and counterfeiting of brands has made legal protection of brands an important requirement in business development. The problem in this research is how to legally protect brand rights for food MSMEs in Semarang City. This research aims to provide knowledge to food MSMEs about legal protection of brand rights so that food MSME businesses can develop with legal certainty. This research uses an empirical normative juridical approach and is descriptive analysis. The results of the research were that the Department of Cooperatives and Micro Enterprises of Semarang City provided free brand registration facilities for MSMEs that were only supported, and many problems were found related to the legal protection of brand rights in the City of Semarang..