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Paradigma Baru Kelembagaan Koperasi Melalui Pentahelix Lewat Pemanfaatan Marketplace
Patricia Mutiara Karinta
; Tarsisius Murwadji
; Helza Nova Lita
Jurnal Ilmu Pertahanan, Politik dan Hukum Indonesia
Vol 3
, No 1
(2026)
Civil servants (ASN) entering retirement represent a strategic human resource asset for national development; however, their potential is often underutilized due to an institutional vacuum. This study identifies this fundamental problem as manifesting in two dimensions: the absence of a cohesive structure among the retired community and the lack of a structure that systematically connects them to the economic empowerment ecosystem. Consequently, the transition from active service to a productive...
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Efektivitas Hukum Jaminan Performa Kredit UMKM Melalui Penerapan Innovative Credit Scoring
Shannia Angelia Rahardjo
; Tarsisius Murwadji
; Helza Nova Lita
Kajian ilmu Hukum, Sosial dan Administrasi Negara
Vol 2
, No 2
(2025)
Micro, Small and Medium Enterprises (MSMEs) play a significant role in the economy, but often face obstacles in accessing financing. Credit performance guarantee is one of the mechanisms to mitigate risks for financial institutions. Along with the development of financial technology, innovative credit scoring emerged as an alternative method of assessing the creditworthiness of MSMEs. This research aims to analyze the legal effectiveness of the application of MSME credit performance guarantees b...
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