Namun kredit juga merupakan kegiatan bisnis yang mempunyai risiko yang dapat berpengaruh pada tingkat kesehatan bank dan kelangsungan usaha bank. Untuk dapat mengoptimalkan kualitas kredit menjadi sebuah pekerjaan penting yang harus dilakukan. Sehingga diperlukan penyaluran kredit yang penuh ketelitian supaya menghasilkan kredit yang maksimal.Kredit yang diberikan PT.Bank Mandiri cabang Semarang mengalami tingkat angka kredit bermasalah atau Non Performing Loan (NPL) yang tergolong kurang sehat. Sehingga perlu upaya dalam mengoptimalkan kualitas kredit yang dilakukan dengan cara pemberian kredit secara procedural, analisis yang teliti, pengambilan keputusan kredit dengan batas kewajaran serta adanya pemantauan jatuh tempo kredit. adapun upaya dalam rangka mengatasi kredit bermasalah yang dilakukan PT.Bank Mandiri cabang Semarang yaitu dengan penagihan intensif, klaim asuransi, rescheduling dan penjualan agunan/jaminan kredit.

<p>Bank Wakaf  Mikro merupakan lembaga keuangan mikro syariah yang fokus pada pembiayaan masyarakat kecil dengan pola bagi hasil, serta lembaga ini murni untuk pembiayaan. Dana yang digunakan berasal donasi dari perseorangan, lembaga maupun korporasi melalui Lembaga Amil Zakat Nasional (LAZNAS). Latar belakang didirikannya Bank Wakaf  Mikro adalah karena sulitnya akses permodalan terhadap sektor Usaha Mikro, Kecil dan Menengah (UMKM) guna mendorong pertumbuhan ekonomi. Tujuan penelitian ini adalah untuk menjelaskan tentang mekanisme kerja Bank Wakaf  Mikro dalam pemberdayaan pada UMKM dan akad yang digunakan pada Bank Wakaf Mikro di lingkungan pondok pesantren. Penelitian ini menggunakan penelitian hukum empiris dengan menggunakan pendekatan kualitatif. Hasil penelitian menunjukkan bahwa mekanisme pembiayaannya Bank Wakaf Mikro berbasis kelompok dan imbal hasil yang didapat sebesar 3% tanpa agunan.<strong> </strong>Transaksi dalam lembaga keuangan syariah harus menggunakan akad yang sesuai dengan nilai-nilai syariah.</p>

Business relationships formed between consumers and business actors allow disputes to arise as a result of damage or defects and losses. This research will examine issues regarding the regulation of consumer legal protection of SNI compulsory products in Indonesia. The research method used is a normative legal research method. This research shows that legal protection for consumers can be created by the existence of regulations related to SNI obligations. Some arrangements that provide preventive protection to the interests of consumers, include Law No. 20 of 2014 concerning Standardization and Conformity Assessment and Law No. 8 of 1999 concerning Consumer Protection as an effort to protect the law for consumers. The law also protects consumers after an event has occurred against violations committed by business actors with acts of civil lawsuits, criminal suits, lawsuits using the Consumer Protection Act, as well as the imposition of sanctions on business actors.

The existence of cooperatives has an important meaning for the welfare state of Indonesia. As a nation that was colonized for a long time, cooperatives as one of the implementations of a people's economy became a systematic effort to correct the economic structure of a colonial style. In this study examines the legal policies of cooperative arrangements from various eras in Indonesia. This research is normative legal research with secondary data. This research shows that the existence and development of cooperatives experience ups and downs in their legal policies. The colonial period of cooperative arrangements merely regulates cooperatives in existence and makes cooperatives one of the business actors. During the independence period, the aim of cooperatives was as a people's economic movement which was expected to be able to equalize welfare. Unfortunately, cooperatives in the old and new order regimes were used as political tools to perpetuate government power. During the reform period, the regulation of cooperatives was getting worse because it made cooperatives like companies pursuing mere profits.

Introduction to The Problem: The rapid technological progress at this time has greatly influenced the development of the payment system in Indonesia. Innovations in electronic payment instruments have developed into more usable forms. Currently, like the other country, Indonesia is developing an electronic payment instrument known this day as e-money. Bank Rakyat Indonesia is one of the emoney issuer institutions, which issues Brizzi as an alternative non-cash payment instrument. The problem faced is that there are still many people who do not want to use e-money, especially Brizzi because they do not know the validity of using Brizzi e-money. Purpose/Objective Study: This research aims to study the importance of Brizzi E-Money as a means of payment. Design/Methodology/Approach: This research uses empirical juridical research methods to answer the validity of using Brizzi e-money as a payment method. This study uses primary data and secondary data. The primary data in this research are obtained from interviews at Bank Rakyat Indonesia, Merlung Branch. Other than that is secondary data collected through library research. Findings: This research shows that the existence of e-money continues to experience significant development from 2009 until 2019. The legality of using Brizzi e-money and other e-money in Indonesia has been recognized as a legal payment instrument as regulated in the PBI on Electronic Money.