scholarly journals Konvergensi Hukum Penentuan Suku Bunga dalam Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi

2021 ◽  
Vol 9 (4) ◽  
pp. 821
Author(s):  
Sofwan Rizko Ramadoni ◽  
Sukarmi Sukarmi ◽  
Hanif Nur Widhiyanti
Keyword(s):  
Information Technology ◽  
Interest Rates ◽  
Research Method ◽  
Legal Research ◽  
Conceptual Approach ◽  
High Interest ◽  
Principle Of Justice ◽  
The Future ◽  
Legal Construction

The existing legal construction of information technology-based loaning services essentially creates high interest rates in the community and leads to non-performing loans. Therefore, in essence, it is necessary to formulate a new legal construction to solve these problems. Considering that the problem is complex and systemic, ideally the legal construction formulated is convergence, which is the result of the unification of all existing variables. Related to this, the question arises how the legal construction of determining interest rates in information technology-based loaning services reflects the convergence of law and the principle of justice. The purpose of this study is to identify, describe and analyze the application of the legal construction of determining interest rates in information technology-based loaning services in the future. The research method used in this study is a normative juridical research using a statutory approach, a conceptual approach and a convergence approach. The results of this legal research indicate that the legal construction of determining interest rates in information technology-based loaning services which reflects the convergence of law and the principle of justice is the determination of interest rates that refer to the interest rates set by Bank Indonesia. Konstruksi hukum layanan pinjam meminjam uang berbasis teknologi informasi eksisting saat ini pada hakikatnya menciptakan penetapan suku bunga yang tinggi di masyarakat dan marak berujung kepada non performing loan. Maka dari itu pada hakikatnya perlu dirumuskan sebuah konstruksi hukum baru untuk dapat memecahkan permasalahan tersebut. Mengingat permasalahan tersebut bersifat kompleks dan sistemik, maka idealnya konstruksi hukum yang dirumuskan bersifat konvergensi, yakni merupakan hasil dari penyatuan seluruh variabel-variabel yang ada. Terkait hal tersebut muncul lah pertanyaan bagaimana konstruksi hukum penentuan suku bunga dalam layanan pinjam meminjam uang berbasis teknologi informasi yang mencerminkan prinsip konvergensi hukum dan prinsip keadilan. Tujuan Penelitian ini adalah untuk mengidentifikasi, mendeskripsikan dan menganalisis mengenai penerapan konstruksi hukum dari penentuan suku bunga dalam layanan pinjam meminjam uang berbasis teknologi informasi di masa yang akan mendatang. Metode penelitian yang digunakan pada penelitian ini merupakan jenis penelitian yuridis normatif dengan menggunakan pendekatan perundang-undangan, pendekatan konseptual dan pendekatan konvergensi. Hasil penelitian hukum ini menunjukkan bahwa Konstruksi hukum penentuan suku bunga dalam layanan pinjam meminjam uang berbasis teknologi informasi yang mencerminkan prinsip konvergensi hukum dan prinsip keadilan adalah penentuan suku bunga yang mengacu kepada suku bunga yang ditetapkan oleh Bank Indonesia.

scholarly journals Legal Strengthening of Credit Agreement Based on Information Technology in Financial Technology Companies in Supporting Industry 4.0

2021 ◽  
Vol 2 (1) ◽  
pp. 29-42
Author(s):  
Ramlan Ramlan
Keyword(s):  
Information Technology ◽  
Interest Rates ◽  
Industry 4.0 ◽  
Research Method ◽  
General Information ◽  
Legal Research ◽  
High Interest ◽  
Library Research ◽  
Credit Agreement ◽  
Financial Technology

Changes in the pattern of lending and borrowing also experienced growth over the development period. From a system that manually switches to digital. Since the existence of general information, technology-based credit services have been quite good in supporting industry 4.0, but there are still problems such as high-interest rates, and there are several debtor rights violated that need to be discussed regarding legal arrangements and legal strengthening. The research method is the type of normative legal research, how to collect data from library research and analysis of data with qualitative analysis. The results showed that financial technology regulation is regulated in the OJK Law, ITE Law, POJK, and PBI, and concerning legal reinforcement is needed for the problem of high-interest rates to debtors, electronic agreement standard clauses, threats, defamation, and violating customer privacy so that they can attract more many investors in supporting industry 4.0 with the use of financial technology, because the problem is only still regulated in the ITE Law has not been specifically applied in the implementation of financial technology.

scholarly journals Koalisi Partai Politik di Kabinet: Antara Penguatan Lembaga Kepresidenan atau Politik Balas Budi

2020 ◽  
Vol 9 (1) ◽  
pp. 111
Author(s):  
Muhammad Yusrizal Adi Syaputra
Keyword(s):  
Political Parties ◽  
Political Party ◽  
Research Method ◽  
The Political ◽  
Legal Research ◽  
Conceptual Approach ◽  
The Republic ◽  
The Government

The political party's position as a determinant of government head nomination in Indonesia made the political party a central and strong role in the determination of the Cabinet in the presidential government of Indonesia and allowed the political party to determine the Cabinet domination established by the President elected. This research aims to determine the model of the presidential institution strengthening in the multi-party era in Indonesia and to know the political and juridical construction of the presidential institution in determining the cabinet in Indonesia. The method used is a normative legal research method with a conceptual approach. The results of this research are, firstly that the strengthening of the presidential institution in the multi-party era can occur when done with the restriction of political parties through the mechanism of the parliamentary threshold. Secondly, that the political construction of the cabinet determination by the President is based on the coalition of political party supporters of the government, and the juridical construction of the President may elect the Minister of the party proposal because it is based on article 6A paragraph (2) The Constitution of the Republic of Indonesia 1945. Kedudukan partai politik sebagai penentu pencalonan kepala pemerintahan di Indonesia menjadikan Partai Politik memiliki peran sentral dan kuat dalam penentuan kabinet di Pemerintahan Presidentiil Indonesia dan memungkinkan partai politik untuk menentukan dominasi kabinet yang dibentuk oleh Presiden terpilih. Penelitian ini bertujuan untuk mengetahui model penguatan lembaga kepresidenan pada era multi partai di Indonesia, dan untuk mengetahui konstruksi politis dan yuridis lembaga kepresidenan dalam menentukan kabinet di Indonesia. Metode yang digunakan adalah metode penelitian hukum normatif dengan pendekatan konseptual. Hasil penelitian memperlihatkan bahwa pertama, penguatan lembaga kepresidenan di era multi partai dapat terjadi apabila dilakukan dengan pembatasan partai politik melalui mekanisme parlementary threshold. Kedua, bahwa konstruksi politis penentuan kabinet oleh presiden didasarkan atas koalisi partai politik pendukung pemerintahan, dan konstruksi yuridis presiden dapat memilih menteri dari usulan partai karena didasarkan pada Pasal 6A ayat (2) UUD 1945.

scholarly journals Legal Flaws in the Election of Wali Nanggroe 2018-2023 Period in Aceh

2021 ◽  
Vol 6 (1) ◽  
pp. 72
Author(s):  
Muhammad Ihsan
Keyword(s):  
Research Method ◽  
Electoral System ◽  
Candidate Selection ◽  
Selection System ◽  
Legal Research ◽  
Conceptual Approach ◽  
Legal Problems ◽  
Election Commission ◽  
Research Show

The problem of elections in public office is often interesting to study, especially with the development of the electoral system which is continually being renewed to prevent corruption, collusion and nepotism, as well as to get candidates who are capable in their fields. One of these public offices which is Aceh-specific is Wali Nanggroe. This institution is a mandate of Aceh Government Law Number 11 of 2006. The determination of the Wali Nanggroe for the 2018-2023 period raises legal problems. Therefore this study will examine the wali nanggroe candidate selection system, the mechanism for selecting wali nanggroe based on Qanun number 8 of 2012, and whether there is a legal flaw in the election of wali nanggroe for the 2018-2023 period. This study uses a normative legal research method with a Law and Conceptual approach. The results of the research show that the wali nanggroe candidate selection system has not been carried out openly and transparently, even though Qanun allows for other candidates, in terms of election mechanisms, according to Qanun, an Election Commission must be formed in which there are 4 elements, but in practice the Commission Elections were not formed, this would be legally problematic, even legally flawed because one of the elements of the Election Commission was not involved as a member of the Election Commission as regulated by the Qanun. The elements that were not involved were representatives of ulama in each district/city.

scholarly journals Perlindungan Hukum Atas Kriminalisasi Terhadap Notaris Karena Terjadinya Pembatalan Perjanjian Jual Beli Hak Atas Tanah

Acta Comitas ◽  
2020 ◽  
Vol 5 (3) ◽  
pp. 514
Author(s):  
I Gusti Ngurah Bagus Pramana ◽  
Gde Made Swardhana
Keyword(s):  
Research Method ◽  
Legal Protection ◽  
Land Rights ◽  
Legal Research ◽  
Conceptual Approach ◽  
The Future ◽  
Problem Formulations

This research is motivated by the existence of conflict norms in Article 16 paragraph (1) letter a UUJN with Article 16 paragraph (1) letter e UUJN. The notary is obliged to behave honestly in checking certificates at the land office, and to be careful in carrying out the sale and purchase agreement process, so as not to cause losses and problems in the future. At this writing, there are two problem formulations: what is the basis for the Notary for canceling the sale and purchase agreement of land rights and what is the legal protection for the criminalization of the Notary by the seller due to the cancellation of the sale and purchase agreement for land rights. The research objective is to find out the basis for the notary to cancel the sale and purchase agreement of land rights and to protect the notary from criminalization by the seller from the cancellation of the sale and purchase agreement of land rights. The legal research method uses normative legal research with a statutory approach and a conceptual approach. The results of the study show that the basis for the notary to cancel the sale and purchase agreement process is to act honestly, thoroughly, independently, and to protect the interests of the parties involved in legal actions and legal protection for criminalization of notaries by the seller because the cancellation of the sale and purchase agreement is a notary. can exercise his denial.

scholarly journals Kebijakan Formulasi Sanksi Pidana Kerja Sosial terhadap Orang Membuang Sampah Dari Kendaraan di Kota Jambi

Wajah Hukum ◽  
2021 ◽  
Vol 5 (2) ◽  
pp. 531
Author(s):  
Reza Iswanto
Keyword(s):  
Social Work ◽  
Research Method ◽  
Deterrent Effect ◽  
Legal Research ◽  
Conceptual Approach ◽  
Analysis Techniques ◽  
Criminal Sanctions ◽  
The People ◽  
The Future ◽  
The City

Garbage is a problem in people's lives, especially in the people of Jambi city, so it is necessary to deal with waste related to the waste itself. For this reason, there should be a re-arrangement related to sanctions for people who dispose of waste from vehicles. When viewed from the problem, the research method is normative legal research with a statutory approach and a conceptual approach. The research materials are primary, secondary and tertiary legal materials with data collection techniques using documentary studies and qualitative analysis techniques. The regulation of fines for people throwing garbage from vehicles is regulated in Article 46 paragraph (3) letter c Jambi City Regional Regulation Number 5 of 2020 concerning Waste Management. Then the implication of social work criminal sanctions for people throwing garbage from vehicles, namely providing a deterrent effect as well as giving lessons to perpetrators and the policy of formulating social work criminal sanctions for the future is that social work criminal sanctions should be applied in Jambi City Regional Regulation Number 5 of 2020 concerning Management Garbage because it is an effort to overcome so that in the future there will be no more people in the city of Jambi who throw garbage from their vehicles.

scholarly journals Legal Construction of Sale and Purchase of Land in Indonesia in the Perspective of Act No. 5 of 1960 Concerning Basic Regulations on Agrarian Principles

2020 ◽  
Vol 7 (8) ◽  
pp. 706
Author(s):  
Pringgo Soebowo ◽  
Endang Prasetyawati ◽  
Moch. Isnaeni
Keyword(s):  
Research Method ◽  
Legal Protection ◽  
Land Rights ◽  
Daily Practice ◽  
Customary Law ◽  
Land Law ◽  
Legal Research ◽  
Conceptual Approach ◽  
Approach Method ◽  
Legal Construction

The sale and purchase of land-based on customary law in daily practice is still practiced by some people in Indonesia. The sale and purchase of land in customary law adhere to the principle of "tunai and terang" which means that the handover of rights by the seller is carried out simultaneously with payment by the buyer and immediately the rights have transferred. This research discusses the Ratio legis of the use of the principle of "tunai and terang" in the sale and purchase of land in Indonesia. The research method used is normative legal research with a statutory approach and a conceptual approach as a problem approach method. The results showed that the use of "tunai and terang" in the formation of sale and purchase agreements for land rights in Indonesia is because UUPA accommodates Customary Law as the basis for the National Land Law. The existence of cash and light principles is expected to provide legal protection for sellers and buyers.

scholarly journals PRINSIP-PRINSIP KONTRAK KONSTRUKSI INDONESIA

2018 ◽  
Vol 2 (2) ◽  
pp. 191-213
Author(s):  
Sugiarto Raharjo Japar
Keyword(s):  
Research Method ◽  
The State ◽  
Legal Norm ◽  
Legal Research ◽  
Conceptual Approach ◽  
Contractual Relationship ◽  
Legal Construction ◽  
Construction Services ◽  
Laws And Regulations

The implementation of construction services must meet the principles of honesty and fairness, benefits, compatibility, balance, independency, openness, partnership and safety foremost in the interest of the community, nation and the state ( article 2 act no 18 years 1999 on construction services ).Then both users and providers services need to understand some of the stuff that fundamental i.e. the runway philosophical contractual relationship between providers of the construction services to the construction services and inspector construction services, the principle and legal norm the formation of legal construction contract, the principle and legal norm the implementation of legal construction contract . The legal research method in this journal uses a normative juridical research method with a statute approach that examines relevant laws and regulations and the conceptual approach that examines the theories and doctrines of experts in the field construction.

scholarly journals Konstruksi Hukum Terhadap Penetapan Bunga Tinggi pada Investasi yang Diselenggarakan Koperasi Simpan Pinjam

2021 ◽  
Vol 10 (2) ◽  
pp. 385
Author(s):  
Yeti Sumiyati ◽  
Ratna Januarita ◽  
Tatty A Ramli ◽  
Efik Yusdiansyah
Keyword(s):  
Interest Rate ◽  
Interest Rates ◽  
Deposit Insurance ◽  
Government Regulation ◽  
Small And Medium Enterprises ◽  
High Interest ◽  
Analytical Research ◽  
Legal Construction ◽  
Medium Enterprises

The purpose of this research is to examine the adequacy of laws and regulations governing investment implementation by the Savings and Credit Cooperative (KSP) and formulate legal constructs related to the determination of investment interest rates by KSP through the regulations of the Indonesian Deposit Insurance Corporation (IDIC/LPS) concerning the Determination of the Deposit Insurance Interest Rate in the form of IDIC Regulation (Surat Edaran). The research method uses a normative juridical approach, descriptive-analytical research specifications, the systematic interpretation and the legal construction of analogy. The results showed that the statutory regulations governing investments made by KSP were insufficient, especially in the section relating to the determination of investment interest rates. There were still many KSPs that set high interest in their investment programs. Law Number 11 of 2020 concerning Job Creation and Government Regulation Number 7 of 2021 concerning Ease, Protection, and Empowerment of Cooperatives and Micro, Small and Medium Enterprises also does not accommodate provisions regarding investment programs that KSP can carry out. It is feared that several new provisions in the two regulations will lead to high-interest investment practices by KSP that prioritize the interests of their institutions over the welfare of members. Through the analysis of legal construction, it was found that the IDIC Regulation (Surat Edaran) regarding the Determination of the Deposit Insurance Interest Rate at Commercial Banks and Rural Banks can be used as a reference by the Ministry of Cooperatives and SMEs to encourage KSP to set investment interest rates fairly. Tujuan penelitian ini adalah untuk mengkaji kecukupan peraturan perundang-undangan yang mengatur tentang penyelenggaraan investasi oleh Koperasi Simpan Pinjam (KSP) dan merumuskan konstruksi hukum terkait penetapan suku bunga investasi oleh KSP melalui peraturan Lembaga Penjamin Simpanan (LPS) tentang Penetapan Tingkat Bunga Penjaminan Simpanan dalam bentuk Surat Edaran LSP. Metode penelitian menggunakan pendekatan yuridis normatif, spesifikasi penelitian deskriptif analitis dan metode analisis data yang digunakan adalah penafsiran sistematis dan konstruksi hukum analogi. Hasil penelitian menunjukkan bahwa peraturan perundang-undangan yang mengatur mengenai investasi yang dilakukan KSP tidak cukup memadai khususnya pada bagian yang berkaitan dengan penetapan suku bunga investasi sehingga masih banyak KSP yang menetapkan bunga tinggi dalam program investasinya. Undang-Undang Nomor 11 Tahun 2020 tentang Cipta Kerja dan Peraturan Pemerintah Nomor 7 Tahun 2021 tentang Kemudahan, Perlindungan dan Pemberdayaan Koperasi dan Usaha Mikro Kecil dan Menengah, juga tidak mengakomodasi ketentuan tentang program investasi yang dapat dilakukan KSP. Beberapa ketentuan baru dalam kedua peraturan tersebut dikhawatirkan memunculkan banyak praktik investasi berbunga tinggi oleh KSP yang lebih mengutamakan kepentingan lembaganya dibandingkan kesejahteraan anggota. Melalui analisis konstruksi hukum, ditemukan bahwa Surat Edaran Lembaga Penjamin Simpanan (LPS) tentang Penetapan Tingkat Bunga Penjaminan Simpanan pada Bank Umum dan Bank Perkreditan Rakyat dapat dijadikan rujukan oleh Kementerian Koperasi dan UKM untuk mendorong KSP dalam  menetapkan suku bunga investasi secara wajar

TINJAUAN YURIDIS TERHADAP PENGEMBALIAN KEWENANGAN ISTIMEWA MAJELIS PERMUSYAWARATAN RAKYAT MELALUI PERUBAHAN UNDANG-UNDANG DASAR NEGARA REPUBLIK INDONESIA TAHUN 1945

2018 ◽  
Vol 5 (1) ◽  
pp. 142
Author(s):  
Putu Ayu Anastasia Wierdarini
Keyword(s):  
Research Method ◽  
State Institution ◽  
Vice President ◽  
Legal Research ◽  
Conceptual Approach ◽  
Administration System ◽  
Material Content ◽  
The People ◽  
State Administration ◽  
Strategic Position

The amendment of the Undang-Undang Dasar Negara Republik Indonesia Tahun 1945 positioned the Majelis Permusyawaratan Rakyat no longer as the highest state institution and the highest sovereign of the people. This has implications for the authority of the Majelis Permusyawaratan Rakyat to have a strategic position, namely to UUD 1945, to stipulate GBHN, to elect the president and vice president through amendment of its authority to be very limited and weak. This paper examines jurisdictionally how to restore the privileges possessed by the Majelis Permusyawaratan Rakyat through the amendment of the UUD 1945. A normative legal research method with statute approach and conceptual approach is used to analyze this problem.The results of the study indicate that the MPR's repatriation in the main and vital position in the Indonesian state administration system is very important, namely through amendments to the material content of the UUD 1945 which must be implemented on an ongoing basis.

PENERAPAN ASAS KEADILAN PADA TRANSAKSI PENYIMPANAN DANA NASABAH DI BANK SYARIAH BERDASARKAN AKAD MUDHARABAH

2020 ◽  
Vol 5 (1) ◽  
pp. 1-12
Author(s):  
SITI NUR SHOIMAH
Keyword(s):  
Profit Sharing ◽  
Islamic Banking ◽  
Business Activity ◽  
Legal Research ◽  
Conceptual Approach ◽  
Islamic Bank ◽  
Principle Of Justice

ABSTRAK This research is motivated by the fact that it does not include clauses related to the risk of the Bank or the Customer in the mudharabah agreements in the customer deposit funds in Islamic Banking (Sharia Banking), if at any time the business of managing a Islamic Bank fund suffers, even though there are also Customer funds in the business, and it’s not balanced, because maybe only one party, the Customer or the Bank, bears the risk of loss. This imbalance then causes injustice, even though justice is a shariah requirement in the distribution of results from a business activity. Research that uses the normative legal research with the statute approach, and conceptual approach, results in the finding that the principle of justice in customer deposit funds in Islamic Banking based on mudharabah agreements is realized in the form of profit sharing system in the form of proportional and balanced benefits and risks.   Keyword: Principle of Justice, Mudharabah Agreements, Customer Deposit Fund, Islamic Banking   ABSTRAK Penelitian ini dilatarbelakangi oleh fakta yang menunjukkan tidak dicantumkannya klausul terkait resiko Bank ataupun Nasabah di dalam akad mudharabah pada transaksi penyimpanan dana Nasabah di Bank Syariah, apabila suatu ketika usaha dari pengelolaan dana Bank Syariah mengalami kerugian, padahal di dalam usaha tersebut juga terdapat dana Nasabah, dan ini tentu tidak seimbang, karena dimungkinkan hanya pihak Nasabah Penyimpan atau Bank Syariah yang menanggung resiko atas kerugian tersebut. Ketidakseimbang inilah yang kemudian menimbulkan adanya ketidakadilan, padahal keadilan merupakan persyaratan syari’ah dalam pembagian hasil dari suatu kegiatan usaha. Penelitian yang menggunakan metode normatif dengan pendekatan perundang-undangan dan pendekatan konseptual ini, menghasilkan temuan bahwa asas keadilan pada transaksi penyimpanan dana Nasabah di Bank Syariah berdasarkan akad mudharabah diwujudkan dalam bentuk sistem bagi hasil berupa keuntungan dan resiko secara proporsionalitas dan seimbang.        Kata Kunci:Asas Keadilan,  Akad Mudharabah, Penyimpanan Dana Nasabah, Bank Syariah  

Sign in / Sign up

Export Citation Format

Share Document