PELAKSANAAN TANGGUNG JAWAB BANK TERHADAP NASABAH PENGGUNA KARTU ATM PADA BANK BRI CABANG RENON DENPASAR

Anjungan Tunai Mandiri (ATM) merupakan suatu produk perbankan yang dapat memudahkan nasabah dalam melakukan transaksi keuangan. Tetapi disisi lain nasabah sebagai pengguna ATM, dapat mengalami kerugian akibat dari kerusakan mesin ATM. Tujuan dari penulisan ini untuk mengetahui perlindungan hukum bagi nasabah pengguna kartu ATM dan untuk mengetahui tanggungjawab bank terhadap nasabah yang mengalami kerugian dalam menggunakan kartu ATM. Metode penelitian yang digunakan adalah metode penelitian empiris. Hasil dari penulisan ini adalah Bank wajib memberikan perlindungan baik sebelum dan sesudah terjadinya transaksi dalam menggunakan ATM berdasarkan Surat Edaran Bank Indonesia Nomor. 14/17/DASP Tentang Penyelenggaraan Kegiatan Alat Pembayaran dengan Menggunakan Kartu (APMK) dan memberikan ganti rugi terhadap nasabah yang mengalami kerugian dari penggunaan ATM berdasarkan ketentuan-ketentuan dalam Undang-Undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen. Automatic Teller Machine (ATM) is one of the banking products that can facilitate customer in conducting financial transaction activites. But on the other hand the customer, as an ATM product user, can suffer losses due to damage to the ATM machine The purpose of this paper is to find out the legal protection for customers who use ATM cards and to determine the bank's responsibility to customers who experience losses in using ATM cards. The research method used is the empirical method. The result of this study Banks are required to provide protection both before and after the transaction in using an ATM based on Bank Indonesia Circular Number. 14/17 / DASP Regarding the Implementation of Card-Based Payment Instrument Activities and provide compensation to customers who have suffered losses from the use of ATMs based on the provisions in Law Number 8 of 1999 Concerning Consumer Protection.

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PERLINDUNGAN KONSUMEN ATAS BARANG YANG TIDAK SESUAI DENGAN PERJANJIAN DALAM PERDAGANGAN ELEKTRONIK DIKAITKAN DENGAN UNDANG-UNDANG INFORMASI DAN TRANSAKSI ELEKTRONIK

JURNAL ILMIAH LIVING LAW ◽

10.30997/jill.v10i2.1497 ◽

2018 ◽

Vol 10 (2) ◽

pp. 114

Author(s):

Herlin Setiani ◽

Muhammad Taufiq

Keyword(s):

Electronic Commerce ◽

Consumer Protection ◽

Research Method ◽

Legal Protection ◽

Qualitative Approach ◽

The Other ◽

Electronic Trading ◽

Legal Norms ◽

Electronic Transactions ◽

Legal Consequence

The purpose of this study are: 1) To know and analyze the legal protection of consumers on goods that are not in accordance with the agreement in electronic commerce and 2) the responsibility of business actors in providing compensation for goods that are not in accordance with the agreement in electronic commerce . The research method used is normative juridical research that performs a qualitative approach that sees and analyzes the legal norms in the existing legislation. The results are: 1) Consumer protection of goods is not in accordance with the agreement in electronic commerce, which can be carried out by filing a default, for legal reasons not fulfilled the obligations of business actors in the electronic agreement. The non-fulfillment of this obligation means that there has been a violation of the rights of the other party (the buyer) and the legal consequence is causing the loss, 2) The responsibility of business actors in giving compensation for goods not in accordance with the agreement in electronic trading has not been regulated specifically in UUPK and UU ITE, but principally business actors may be held liable in electronic transactions through contractual liability relating to the loss suffered by consumers.

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The Effect of Geogebra on Students’ Conceptual and Procedural Knowledge: The Case of Applications of Derivative

Higher Education Studies ◽

10.5539/hes.v7n2p67 ◽

2017 ◽

Vol 7 (2) ◽

pp. 67 ◽

Cited By ~ 2

Author(s):

Mehmet Fatih Ocal

Keyword(s):

Conceptual Knowledge ◽

Teaching And Learning ◽

Procedural Knowledge ◽

Dynamic Geometry ◽

The Other ◽

Control Group ◽

Other Hand ◽

Significant Difference ◽

Before And After ◽

Post Test

Integrating the properties of computer algebra systems and dynamic geometry environments, Geogebra became an effective and powerful tool for teaching and learning mathematics. One of the reasons that teachers use Geogebra in mathematics classrooms is to make students learn mathematics meaningfully and conceptually. From this perspective, the purpose of this study was to investigate whether instruction with Geogebra has effect on students’ achievements regarding their conceptual and procedural knowledge on the applications of derivative subject. This study adopted the quantitative approach with pre-test post-test control group true experimental design. The participants were composed of two calculus classrooms involving 31 and 24 students, respectively. The experimental group with 31 students received instruction with Geogebra while the control group received traditional instruction in learning the applications of derivative. Independent samples t-test was used in the analysis of the data gathered from students’ responses to Applications of Derivative Test which was subjected to them before and after teaching processes. The findings indicated that instruction with Geogebra had positive effect on students’ scores regarding conceptual knowledge and their overall scores. On the other hand, there was no significant difference between experimental and control group students’ scores regarding procedural knowledge. It could be concluded that students in both groups were focused on procedural knowledge to be successful in learning calculus subjects including applications of derivative in both groups. On the other hand, instruction with Geogebra supported students’ learning these subjects meaningfully and conceptually.

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Application of Maple on Solving the Differential Problem of Rational Functions

Applied Mechanics and Materials ◽

10.4028/www.scientific.net/amm.479-480.855 ◽

2013 ◽

Vol 479-480 ◽

pp. 855-860

Author(s):

Chii Huei Yu

Keyword(s):

Problem Solving ◽

Research Methods ◽

Research Method ◽

Rational Functions ◽

The Other ◽

Mathematical Software ◽

Differential Problem ◽

Binomial Theorem ◽

Other Hand ◽

Derivatives Of

This paper uses the mathematical software Maple as the auxiliary tool to study the differential problem of four types of rational functions. We can obtain the closed forms of any order derivatives of these rational functions by using binomial theorem. On the other hand, we propose four examples to do calculation practically. The research methods adopted in this study involved finding solutions through manual calculations and verifying these solutions by using Maple. This type of research method not only allows the discovery of calculation errors, but also helps modify the original directions of thinking from manual and Maple calculations. For this reason, Maple provides insights and guidance regarding problem-solving methods.

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SENI DALAM PERSPEKTIF HADIS NABI: Kajian Ma’ani al-Hadis

Riwayah Jurnal Studi Hadis ◽

10.21043/riwayah.v6i2.7863 ◽

2020 ◽

Vol 6 (2) ◽

pp. 323

Author(s):

Wely Dozan

Keyword(s):

Research Method ◽

The Other ◽

Other Hand ◽

Library Research ◽

Contemporary Context ◽

Muslim Scholars

Seiring lahirnya berbagai pemahaman terhadap hadis-hadis Nabi, pada saat itulah keragaman umat Muslim dalam menyikapi isu-isu tentang seni akan selalu hangat dan tidak pernah usai diperbincangkan dalam pemikiran muslim. Ada yang memandang bahwa seni merupakan suatu hal yang dilarang olah Nabi. Disisi lain, ada yang memandang bahwa seni merupakan salah satu yang dianjurkan oleh Nabi, baik dalam seni musik, seni menggambar, seni melukis, dan seni lainnya. Tujuan penelitian ini akan mengkaji seni dalam sudut pandang ma’ani al-hadis terhadap teks-teks hadis dengan melihat sosio-historis dan implikasinya terhadap Islam. Hal inilah yang harus dibenahi oleh cendekia-cendekia muslim agar hadis-hadis Nabi dimaknai secara objektif dengan tidak meninggalkan teks dan konteks hadis yang disampaikan. Adapun metode penelitian yang digunakan yaitu library research dengan cara mengumpulkan data dalam buku, artikel, jurnal, dan berbagai macam literatur-literatur yang terkait dengan permasalahan yang dikaji untuk menemukan hasil. Hasil penelitian ini melalui kajian ma’ani al-hadis adalah bahwa konsep seni merupakan suatu hal yang dicontohkan oleh Nabi, dan seni pada hakikatnya boleh saja dipraktikkan dalam konteks kekinian yang tidak menunjukkan pada sebuah larangan. Bahkan seni dianjurkan dalam Islam. [Art in the Perspective of Prophetic Hadith: the Study of Ma'ani al-Hadith. Through the emergence of various understandings of the Prophet's traditions, at this time the diversity of Muslims in addressing issues regarding art will always be updated and will never finish being discussed in Muslim thought. There are those who think that art is something that was forbidden by the Prophet. On the other hand, there are those who think that art is one of the things that the Prophet likes, such as music, drawing, painting art, and other arts. The purpose of this research is to examine art from the perspective of ma'ani al-hadith towards hadith texts by looking at the socio-historical and its implications for Islam. This is what Muslim scholars need to fix so that the Prophet's traditions are interpreted objectively without leaving the text and context of the hadiths being conveyed. The research method used is library research by collecting data in books, articles, journals, and various kinds of literature related to the problems being studied to find the results. The result of this research through the study of ma'ani al-hadith is that the concept of art is something that was exemplified by the Prophet, and art in essence may be practiced in a contemporary context that does not indicate a prohibition. Even art is recommended in Islam.]

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The impact of the credit legislation on consumers

Risk Governance and Control Financial Markets & Institutions ◽

10.22495/rgcv6i4siart8 ◽

2016 ◽

Vol 6 (4) ◽

pp. 503-509 ◽

Cited By ~ 1

Author(s):

Hlako Choma ◽

Thifulufhelwi Cedric Tshidada ◽

Tshegofatso Kgarabjang

Keyword(s):

South Africa ◽

South African ◽

Consumer Protection ◽

The Other ◽

The South ◽

Other Hand ◽

Credit Agreement ◽

Financial Obligation ◽

The Impact ◽

National Credit Act

The purpose of this paper is to examine two South Africa legislations dealing with over indebtedness of a consumer. It is clear that in terms of the South African law, section 129 (1) and 130 (3) of the National Credit Act provide that a creditor provider who wishes to enforce a debt under a credit agreement must first issue a section 129 (1) (a) notice to the consumer (the purpose of the notice is to notify the consumer of his/her arrears). On the other hand, the South African National Credit Act encourages the consumers to fulfil the financial obligations for which they are responsible. The second legislation to be examined which serve or appear to serve same purpose as the National Credit Act is the Insolvency Act. It therefore, postulated that the compulsory sequestration of a consumer in terms of the Insolvency Act would stand as an alternative remedy for a credit provider before she/he can have recourse mechanisms, such as debt review that are focused on satisfaction of the consumer’s financial obligation , in terms of the provisions of the National Credit Act. The paper determines to what extend these measures comply with the constitutional consumer protection demands. The legislature had been pertinently cognizant of the Insolvency Act when it lately enacted the National Credit Act. This is much apparent from the express amendment of section 84 of the Insolvency Act to the extent set out in schedule 2 of the National Credit Act

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Analysis of Translation Strategy in Transferring meaning of English Idiom into Bahasa Indonesia in the subtitle of Pitch Perfect 3 Movie

English Education: Jurnal Tadris Bahasa Inggris ◽

10.24042/ee-jtbi.v12i1.4429 ◽

2019 ◽

Vol 12 (1) ◽

pp. 34-48

Author(s):

Monicha Destaria ◽

Yulan Puspita Rini

Keyword(s):

Research Method ◽

Qualitative Method ◽

The Other ◽

Source Text ◽

Translation Strategies ◽

Translation Strategy ◽

Other Hand ◽

Bahasa Indonesia ◽

Descriptive Qualitative

Transferring meaning embedded by English idiom is not an easy way to do. The meaning contained by English Idiom cannot be comprehended by merely knowing the meaning from each word arranging the idiom. Dealing with English idiom in translation is quite hard because the translator has to transfer the meaning of English idiom into Bahasa Indonesia rightly. On the other hand, it is quite difficult to find the equivalence term in Bahasa Indonesia reflecting the same meaning as it is reflected in the source text. To manage this problem, the translation strategies need to be applied. This research focuses on analyzing the translation strategies used by the translator in transferring the meaning of English idioms into Bahasa Indonesia in the subtitle of Pitch Perfect 3 Movie. The research method is descriptive qualitative method.. Baker’s translation strategies is used as guideline in classifying the translation strategies used. After finding the type of translation strategies employed, further identifying whether the meaning of English idiom is transferred rightly in Bahasa Indonesia. According to the finding, translation by using idiom in similar meaning and disimilar form was not used by the translator to translate the idioms. The frequency of translation by using idiom in similar meaning but disimilar form strategy is 4 idioms. 46 idioms were translated by using paraphrased strategy. It is only 1 idiom was translated by using omission strategy. that the meaning of 36 idioms are transferred accurately. The meaning of four idioms were transferred Less-accurately. The meaning of 11 idioms were classified as inaccurate translation

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Consumer Protection on Nonofficial Drugs Case in Indonesia: How Far the Legal Protection is?

Law Research Review Quarterly ◽

10.15294/lrrq.v7i4.48184 ◽

2021 ◽

Vol 7 (4) ◽

pp. 459-472

Author(s):

Chatrin Intan Sari

Keyword(s):

Consumer Protection ◽

Research Method ◽

Legal Protection ◽

Illegal Drugs ◽

Know How ◽

Consumer Law ◽

Consumer Rights ◽

The Government ◽

The Right

The purpose of this study is to know how the legal protection for consumers on the circulation of illegal drugs and how the accountability of business actors on the circulation of illegal drugs. By using normative juridical research method this study found that the legal protection to consumers on the circulation of illegal drugs conducted by the government through the Agency of Drugs and Food. The Agency highlighted that the attention that the government has run its supervision. In addition, the protection of consumer law arising from the existence of rights and obligations set forth in Article 4 letters a and c, article 7 letters a and d, article 8 paragraph 1 letter a, d and e of Law Number 8 Year 1999 concerning Consumer Protection. The fulfilment of consumer rights over security, the right to be heard, the correct, clear, and honest information regulated in the UUPK is still not fulfilled. Article 98 paragraph 2, Article 106 paragraph 1 and 2 of Law Number 36 Year 2009 on Health. The business actor is responsible as the manufacturer of the goods because the importer of the goods is not an agent or official importer. The business actor who is an individual shall be liable for the losses incurred even if only as an importer not as a producer of the goods.

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Desplazados medioambientales y Derechos Humanos: una construcción conceptual sine qua non para su protección jurídica internacional | Environmental displaced people and human rights: a conceptual construct as previous step for their international legal protection

Cuadernos Electrónicos de Filosofía del Derecho ◽

10.7203/cefd.39.13992 ◽

2019 ◽

pp. 255

Author(s):

Daniel Gracia Pérez

Keyword(s):

Human Rights ◽

Legal Protection ◽

The Other ◽

International Protection ◽

Derechos Humanos ◽

Other Hand ◽

Displaced People ◽

Definition Of ◽

Previous Step

Resumen: El presente trabajo parte de la hipótesis de que no es posible diseñar un régimen de protección internacional para las personas desplazadas por disrupciones medioambientales sin antes aclarar qué se entiende por “desplazado medioambiental” y cómo se ha llegado a tal entendimiento. Así, el artículo se estructura en dos partes. La primera de ellas pretende reconstruir el íter que ha configurado la figura del desplazado medioambiental en el pensamiento académico, tanto desde los estudios medioambientales como desde los migratorios. La segunda, por su parte, analiza la primera definición de desplazado ambiental, con vocación jurídica, que aparece en plano internacional y la influencia que en su redacción han tenido las corrientes anteriores. Abstract: This paper is based on the hypothesis that it is not possible to design an international protection regime for people displaced by environmental disruptions without first clarifying what is meant by "environmental displaced" and how this understanding has been reached. Thus, the article is structured in two parts. The first of them aims to reconstruct how the concept of environmentally displacement has been shaped in academic thinking, both from environmental and migratory studies. The second one, on the other hand, analyzes the first definition of environmental displaced which appears, with a legal vocation, on the international scene and the influence that those previous streams have had on it.

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Admissibility of Iqrar as Evidence: the Issue of Voluntariness from Syariah Principles Perspective

International Journal of Engineering & Technology ◽

10.14419/ijet.v7i3.30.18211 ◽

2018 ◽

Vol 7 (3.30) ◽

pp. 104

Author(s):

Ahmad Azam Mohd Shariff ◽

Ramalinggam Rajamanickam ◽

Parveen Kaur Harnam Singh1 ◽

Siti Khadijah Md Lazim ◽

Anna Sofea Nurol Adzmi ◽

...

Keyword(s):

Research Method ◽

The Other ◽

Other Hand ◽

Library Research ◽

The Difference

Iqrar is a form of bayyinah or evidence which could be tendered during trial at the syariah court. The syariah evidential principles renders it relevant and admissible with varying effect. Iqrar sorih or confession, once admitted by court, would become binding against the accused. In such a scenario, the court may convict the accused based on such confession without any need for further proof. On the other hand, the court may also admit an admission or iqrar kinayah but it could never convict the accused based on such admission alone. In other words, based on admissibility of such admission, a court could only convict the accused should such admission is further corroborated and strengthened by other evidence. This article however observes that the strength of a confession very mush depends on voluntariness of the maker of the confession. There is also some confusion among syariah practitioners as regards to the difference between both forms of iqrar. The conducted research is pure legal and qualitative in nature. Data and materials on iqrar confession and admission are collected via library research method. These data and materials are then analysed using critical and content methodologies.. This article analyses the relevancy and admissibility of iqrar confession and admission in the eyes of syariah evidential principles. It then strives at identifying problems relating to its admissibility and interpretation. This article eventually offers some ideas on ways of avoiding future misinterpretation of iqrar while simultaneously looking into some ideas on how to improve its application.

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Effects of chest wall compressions in kittens

Canadian Journal of Physiology and Pharmacology ◽

10.1139/y82-181 ◽

1982 ◽

Vol 60 (10) ◽

pp. 1241-1246 ◽

Cited By ~ 2

Author(s):

T. Trippenbach ◽

C. Gaultier ◽

L. Cooper

Keyword(s):

Chest Wall ◽

Chest Compression ◽

The Other ◽

Peak Amplitude ◽

Inspiratory Time ◽

Chest Compressions ◽

Mean Values ◽

Control Value ◽

Other Hand ◽

Before And After

Effects of chest compressions on the pattern of breathing were studied in pentobarbital anaesthetized 9- to 11-day-old kittens before and after vagotomy. The chest was compressed by means of a micrometer at three levels (T1–4, T6–8, T9–11). In intact and vagotomized kittens, the group mean values of inspiratory time (tI), expiratory (tE) time, peak amplitude of the integrated phrenic activity (PHR) and its rate of rise (PHR/tI) during compressions were not different from those of the control breaths. On the other hand, in intact kittens during chest compressions variability of all the measured variables significantly increased. In the vagotomized kittens, variability of parameters other than inspiratory time was unaffected. Nevertheless we cannot exclude contribution of extravagal receptors in control of tE. The tE effects could be masked by the increased variability of the control value in vagotomized kittens. The effects of chest compression on the integrated phrenic activity were mostly dependent on the intact vagal feedback.

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