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"Peer attachment pada masa remaja awal merupakan salah satu faktor penting untuk kesehatan dan kesejahteraan (well-being) baik dalam jangka pendek maupun jangka panjang. Perkembangan teknologi memudahkan remaja mencari hiburan saat pemberlakuan pembatasan kegiatan masyarakat guna menekan penyebaran COVID-19 salah satunya dalah untuk mengakses musik K-Pop. Penelitian ini bertujuan untuk melihat hubungan antara peer attachment dan well-being pada remaja dengan relasi parasosial penggemar K-Pop. Hipotesis utama pada penelitian ini adalah terdapat hubungan yang signifikan dan positif antara peer attachment dan well-being. Analisis pada penelitian ini menggunakan metode kuantitatif dengan melihat nilai besaran korelasi Pearson pada 615 remaja penggemar K-Pop WNI berusia 15–19 tahun. Instrumen yang digunakan untuk mengukur variabel peer attachment adalah Inventory of Parent and Peer Attachment (IPPA) dan EPOCH (Engagement, Perseverance, Optimism, Connectedness, dan Happiness) untuk well-being. Kuesioner disebarkan secara daring menggunakan Google Form. Hasil menunjukkan bahwa terdapat hubungan yang signifikan dan positif antara peer attachment dan well-being pada remaja penggemar K-Pop dengan relasi parasosial. Berdasarkan hasil tersebut, diketahui hasil penelitian ini mendukung hipotesis yang sudah disusun. Implikasi penelitian ini adalah sebagai pengembangan dan penambahan pengetahuan terkait hubungan peer attachment dan well-being.

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Peer attachment in early adolescence is an important factor for health and well-being in bot.h the short and long term. Technological developments make it easier for teenagers to find entertainment when restrictions on community activities are imposed to suppress the spread of COVID-19, one of which is to access K-Pop music. This study aims to look at the relationship between peer attachment and well-being in adolescents with K-Pop fans' parasocial relationships. The main hypothesis in this study is that there is a significant and positive relationship between peer attachment and well-being. The analysis in this study used a quantitative method by looking at the value of the Pearson correlation in 615 young Indonesian K-Pop fans aged 15–19 years. The instruments used to measure peer attachment variables are the Inventory of Parent and Peer Attachment (IPPA) and EPOCH (Engagement, Perseverance, Optimism, Connectedness, and Happiness) for well-being. The questionnaire was distributed online using the Google Form. The results show that there is a significant and positive relationship between peer attachment and well-being in young K-Pop fans with parasocial relationships. Based on these results, it is known that the results of this study support the hypotheses that have been prepared. The implication of this research is to develop and add knowledge regarding the relationship between peer attachment and well-being"

"ABSTRAKRemaja yang berada di lembaga pembinaan khusus anak merupakan kelompok yang rentan untuk melakukan perilaku berisiko HIV. Hasil skrinning HIV di LPKA menunjukkan bahwa sebagian remaja pernah melakukan hubungan seksual, tato, tindik, dan narkoba suntik. Peer education merupakan cara yang efektif serta efisien untuk mencegah penularan HIV/AIDS di penjara karena dapat berkelanjutan. Penelitian ini bertujuan untuk mengetahui pengaruh peer education yang dilaksanakan bulan Mei sampai Juni 2017 terhadap pengetahuan dan niat untuk mengurangi perilaku berisiko HIV. Penelitian menggunakan desain quasi experimental without control dengan kuesioner pretest-posttest. Hasil penelitian terhadap 39 responden menunjukkan bahwa terdapat peningkatan bermakna pada pengetahuan HIV berdasarkan indikator MDGs p=0,015 , pengetahuan HIV total p=0,000 , niat hanya berhubungan seksual dengan satu pasangan setia p=0,05 , dan niat melakukan tes HIV p=0,02 . Namun demikian, tidak ada peningkatan secara bermakna pada niat abstinance p=0,317 dan niat menggunakan kondom 0,206.

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ABSTRACTAdolescents in prisons are vulnerable to perform HIV risk behaviors. Results of HIV screening from LPKA, showed that some adolescent had had sexual intercourse, tattoos, piercing, and injecting drugs. Peer education is the most effective and efficient program to prevent HIV transmission in prisons because its sustainability. The research aims to know the effect of peer education on May until June 2017 on knowledge and intent to reduce HIV risk behavior. The research used quasi experimental without control design with pretest posttest questionnaires. The results showed that there was a significant increase in HIV knowledge based on the MDGs indicator p 0.015 , total HIV knowledge p 0,000 , intention to only have sexual intercourse with one faithful partner p 0.05 , and intention to test HIV p 0.02 . But, there was no significant increase in intention to abstinance p 0.317 and intention to using condom 0.206. "

"The purpose of this study is to test the effectiveness of the peer counseling model for improving students' self-direction competence. The research aimed to describe, test and analyze the effectiveness of the peer counseling model and employed the descriptive-analytical method and quasi-experiments to do this. The research activities consisted of a series of model validity tests, namely the model rationality test, the model practicability test, and the limited test. The data collection techniques were interviews, self-direction competence inventories, observation and documentation. The result of the research demonstrate that the peer counseling model as an intervention program for the experimental group as a whole proved to effectively improve students' self-direction competence. The peer counseling model has its strengths in self-confidence, self-reliance, and self-control."

"Teknologi finansial berbasis Peer to Peer Lending mengalami perkembangan pesat di Indonesia. Data Statistik Fintech Periode Desember 2020 milik OJKmenunjukkan bahwa seiring pesatnya pertumbuhan pengguna layanan Peer to Peer Lending, angka Tingkat Keberhasilan Bayar 90 Hari (TKB90) justru mengalamipenurunan yang artinya semakin banyaknya kasus gagal bayar pada aktivitas Peer to Peer Lending. Akan tetapi AFPI melalui Pedoman Perilaku Pemberian Layanan Pinjam Meminjam Uang Berbasis Teknologi Secara Bertanggung Jawab justru mewajibkan seluruh penyelenggara Peer to Peer Lending untuk menyatakan bahwa risiko gagal bayar ditanggung sepenuhnya oleh pemberi pinjaman kecuali diatur lebih lanjut mengenai pertanggungan. Platform x sebagai penyelenggara inovasi keuangan digital dalam klaster aggregator dengan Peer to Peer Lending sebagaisalah satu layanannya hadir dengan mengusung inovasi berupa dana proteksi guna melindungi pemberi pinjaman ketika mengalami gagal bayar. Akan tetapi pada laman surat pembaca masih ditemukan adanya aduan dari pengguna platform x terkait gagal bayar. Oleh karena itu, Penulis mengangkat dua pokok permasalahan yaitu bagaimana pengaturan perlindungan hukum bagi pemberi pinjaman pada penyelenggaraan teknologi finansial berbasis Peer to Peer Lending di Indonesia dan implementasinya oleh platform x dalam kasus gagal bayar. Bentuk penelitian pada skripsi ini bersifat yuridis-normatif dengan tipologi penelitian deskriptif yang didukung oleh alat pengumpulan data berupa bahan pustaka dan wawancara.Kesimpulan yang didapat ialah pengaturan mengenai perlindungan hukum bagi pemberi pinjaman terhadap kasus gagal bayar dalam penyelenggaraan teknologifinansial berbasis Peer to Peer Lending di Indonesia sudah cukup beragam untuk menjamin kepastian hukum, akan tetapi pengaturan itu masih bersifat umum dantidak ada pengaturan khusus mengenai kasus gagal bayar, platform x telah mengimplementasikan pengaturan tersebut dalam kasus gagal bayar dengan cukup baik akan tetapi masih terdapat beberapa kewajiban yang belum sepenuhnya platform x laksanakan.

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Financial technology based on Peer to Peer Lending is experiencing rapid development in Indonesia. OJK's December 2020 Fintech Statistical Data shows that along with the rapid growth of Peer to Peer Lending service users, the 90-Day Payment Success Rate (TKB90) has actually decreased, which means that there are more cases of default in Peer to Peer Lending activities. However, AFPI through its Code of Conduct for Responsible Financial Technology Based on Peer to Peer Services requires all Peer to Peer Lending providers to state that the risk of default is fully suffered by the lender unless further regulated regarding coverage. Platform x as the provider of digital financial innovation in the aggregator cluster with Peer

to Peer Lending as one of its services comes by bringing innovation in the form of protection funds to protect lenders when they against the case of default. However, on the reader's letter page, there are still complaints from platform x users regarding

default case. Therefore, the author raises two main issues, namely how to regulate legal protection for lenders in the implementation of financial technology based on Peer to Peer Lending in Indonesia and its implementation by platform x in case of default. The form of research in this thesis is juridical-normative with a descriptive

research typology supported by data collection tools in the form of library materials and interviews. The conclusion obtained is that the regulation regarding legal protection for lenders against default cases in the implementation of Peer to Peer Lending-based financial technology in Indonesia is diverse enough to ensure legal certainty, but the arrangement is too general and there are no special arrangements

regarding default cases. Platform x has implemented these arrangements in the case of default quite well but there are still some obligations that platform x has not fully implemented."

"Kegiatan berinvestasi untuk menumbuhkan aset merupakan hal penting dalam pertumbuhan ekonomi. Salah satu platform investasi yang menjadi pilihan populer adalah platform peer-to-peer lending dengan janji tingkat pengembalian atau return yang tinggi. Namun tingkat pengembalian investasi yang tinggi ini juga diikuti dengan risiko gagal bayar yang tinggi pula. Selain risiko gagal bayar, layanan peer-to-peer lending juga memiliki berbagai risiko operasional yang terdapat dalam penyelenggaraannya. Oleh karena itu dibutuhkan kepastian hukum untuk menjamin penyelenggaraan peer-to-peer lending berjalan dengan efisien dan aman. Metode penelitian yang digunakan dalam penelitian ini adalah yuridis normatif. Penelitian ini bertujuan untuk menjelaskan regulasi penyelenggaraan peer-to-peer lending di Indonesia, tanggung jawab penyelenggara atas risiko yang ada dalam layanan peer-to-peer lending, dan perlindungan hukum bagi investor dan penerima pinjaman yang menggunakan layanan peer-to-peer lending. Penelitian ini menemukan bahwa regulasi layanan peer-to-peer lending diatur dalam peraturan-peraturan yang dibuat oleh Bank Indonesia dan OJK sebagai lembaga yang memiliki wewenang regulasi. Walau telah diatur untuk menjamin keamanan penyelenggaraannya, risiko dalam layanan ini tetap ada dan kerugian yang diderita pengguna akibat risiko tersebut menjadi tanggung jawab dari penyelenggara. Lebih lanjut, investor maupun penerima pinjaman memerlukan perlindungan hukum apabila terjadi pelanggaran terhadap haknya sebagai pengguna.

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Investment activities to grow assets are important for economic growth. One of the investment platforms that has become a popular choice is the peer-to-peer lending platform with the promise of a high rate of return. However, this high rate of return on investment is also accompanied by a high risk of default. In addition to the risk of default, peer-to-peer lending services also have various operational risks involved in their business. Therefore, legal certainty is needed to ensure that the business of peer-to-peer lending runs efficiently and safely. The research method used in this research is normative juridical. This study aims to explain the regulations for peer-to-peer lending services in Indonesia, the responsibility of the company for the risks involved in peer-to-peer lending services, and legal protection for investors and loan recipients who use peer-to-peer lending services. This study finds that the regulation of peer-to-peer lending services is regulated in the rules made by Bank Indonesia and OJK as institutions that have regulatory authority. Even though it has been regulated to ensure the security of its implementation, risks in this service still exist and the losses suffered by the users due to these risks are the responsibility of the peer-to-peer lending company. Furthermore, investors and loan recipients need legal protection in the event of a violation of their rights as users."

"Berdasarkan Undang-undang Harmonisasi Peraturan Perpajakan (“UU HPP”) dan Peraturan Menteri Keuangan Nomor 69/PMK.03/2022 (“PMK 69”), Penyelenggara Peer to Peer (“P2P") Lending mempunyai kewajiban baru sebagai “pihak lain” untuk melakukan pemotongan PPh atas pembayaran bunga dari borrower kepada lender, sehingga terdapat  tambahan administrasi pajak yang sebelumnya belum pernah ada. PMK 69 juga memberikan penegasan bahwa jasa pinjam meminjam dalam platform P2P Lending merupakan objek PPN, sehingga penyelenggara P2P Lending mempunyai kewajiban untuk melakukan pemungutan PPN. Atas kewajiban perpajakan diatas perlu dilakukan kajian apakah PMK 69 telah telah memenuhi asas-asas perpajakan, terutama dalam administrasi pelaksanaan kewajiban perpajakannya. Penelitian ini bertujuan untuk mengevaluasi apakah pelaksanaan kewajiban perpajakan P2P Lending sudah memenuhi prinsip ease of administration dan four maxim, sehingga dapat memberikan masukan kepada DJP untuk mengupdate kebijakan perpajakan pada industri P2P Lending di Indonesia. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus. Studi kasus dilakukan di Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) yang merupakan organisasi yang mewadahi Penyelenggara P2P Lending yang terdaftar di OJK. Penelitian ini dilakukan dengan 2 tahap, pengumpulan data melalui kuesioner kepada penyelenggara P2P Lending dan melalui wawancara kualitatif. Hasil penelitian ini menunjukkan bahwa pelaksanaan Pemotongan Pajak Bunga telah memenuhi prinsip certainty, simplicity, convenience, efficiency dan equality, namun masih terdapat catatan hal-hal yang perlu diperbaiki dari segi regulasi oleh DJP dan dari sisi administratif oleh Penyelenggara P2P Lending.

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Based on the HPP Law and Minister of Finance Regulation Number 69/PMK.03/2022 (“PMK 69”), P2P Lending Operators (platform) have a new obligation as “other parties” to perform withholding income tax on interest payments from borrowers to lenders, so that there is an additional tax administrative of withholding income tax which has never been done before. PMK 69 also confirms that lending and borrowing services on the P2P Lending platform are VAT objects, therefore P2P Lending organizers have an obligation to collect VAT. Regarding the tax obligations above, it is necessary to study whether PMK 69 has fulfilled the principles of taxation, especially in the administration of implementing tax obligations.The aim of this research is to evaluate whether the implementation of P2P Lending tax obligations meets the principles of ease of administration and the four maxims, so that it can provide input to the DJP to update tax policies in the P2P Lending industry in Indonesia. This research uses a qualitative method with a case study approach. The case study was conducted at the Indonesian Joint Funding Fintech Association (AFPI), which is an organization that accommodates P2P Lending operators which registered with the OJK. This research was carried out in 2 stages, data collection through questionnaires to P2P Lending organizers and through qualitative interviews. The aim of this research is to provide an overview of whether the implementation of P2P Lending tax obligations has fulfilled the principles of ease of administration and the four maxims, so that it can provide input to the DJP to update tax policies in P2P Lending industry in Indonesia. The results of this research show that the implementation of Withholing tax on interest has fulfilled the principles of certainty, simplicity, convenience, efficiency and equality, however there are still notes of things that need to be improved from a regulatory perspective by the DJP and from an administrative perspective by P2P Lending operator."

"Salah satu bentuk financial technology yang ada adalah peer to peer lending. Peer to Peer Lending memfasilitasi transaksi utang dengan menghubungkan para peminjam dan pemberi pinjaman secara online. Menurut technology acceptance model salah satu komponen yang bisa mempengaruhi seseorang untuk mengadopsi teknologi baru adalah social influence. Penelitian ini bertujuan untuk menganalisis pengaruh social influence terhadap intensi meminjam melalui peer to peer lending dan memasukan trust sebagai variabel moderasi.

Hasil dari penelitian ini menyatakan bahwa social influence berpengaruh terhadap intensi meminjam melalui peer to peer lending. Semantara faktor trust terindikasi tidak memiliki hubungan signifikan terhadap intensi meminjam melalui peer to peer lending dan trust memperlemah pengaruh Social Influence terhadap intensi meminjam melalui peer to peer lending.

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One form of financial technology that exists is peer to peer lending. Peer to Peer Lending facilitates debt transactions by connecting borrowers and lenders online. According to the technology acceptance model, one component that can influence someone to adopt a new technology is social influence. This study aims to analyze the influence of social influence on intention to borrow through peer to peer lending and include trust as a moderating variable.

The results of this study state that social influence has an effect on intention to borrow through peer to peer lending. Among the trust factors indicated to do not have a significant relationship on intention to borrow through peer to peer lending and trust weaken the influence of Social Influence on intention to borrow through peer to peer lending."