scholarly journals Legal Protection for Customers Victims of Savings Account Break-ins Crime

2021 ◽  
Vol 04 (10) ◽  
Author(s):  
Jeane Stevani Risdianto ◽  
Keyword(s):  
Financial Services ◽  
Research Method ◽  
Legal Protection ◽  
Criminal Code ◽  
Third Parties ◽  
Legal Principles ◽  
Savings Accounts ◽  
Civil Lawsuits ◽  
Criminal Charges

This study aimed to analyze the role of Bank Indonesia (BI) and the Otoritas Jasa Keuangan (OJK) of the banking activities in Indonesia and to analyze the legal protection of bank customers. There are two issues discussed in this study, the first regarding the role of OJK and Bank Indonesia in supervising crime in the banking world and the second regarding legal protection for customers victims of savings accounts break-ins crime. The research method used was normative juridical, by studying and reviewing legal principles derived from library materials. The discussions that were discussed in this article were how the role of OJK and Bank Indonesia in supervising crime in the banking world and how legal protection is for customers who are victims of savings account burglary in Indonesia. The Otoritas Jasa Keuangan regulation (PJOK) also requires banks to compensate for losses suffered by customers. Article 29 PJOK Number 1/PJOK.07/2013 states "Otoritas Jasa Keuangan is required to be responsible for Consumer losses arising from errors and/or negligence, management, employees of Financial Services Business Actors and/or third parties working for the interests of the Financial Services Providers. Financial Services Business. Lawsuits that can be pursued through the courts can be in the form of criminal charges or civil lawsuits. Embezzlement of bank customer deposits may be subjected to Article 372 and Article 374 of the Criminal Code (KUHP).

scholarly journals The Role of Financial Services Authority and Legal Protection of Debtor in Financial Technology (Fintech) Based Lending Agreements

2021 ◽  
Vol 04 (07) ◽  
Author(s):  
Himawan Prasetyo ◽  
Keyword(s):  
Information Technology ◽  
Financial Services ◽  
Research Method ◽  
Legal Protection ◽  
Main Issue ◽  
Positive Law ◽  
Financial Technology

The main issue discussed in this study are regarding the implementation of financial technology (Fintech) -based lending agreements which regulated in Indonesian positive law and also barrier on legal protection in implementing technology(Fintech) based lending agreements. This study applied a normative research method which collected primary legal sources of legislation and secondary legal sources of books, journals, and other articles related to this study. The implementation of financial technology (Fintech) based lending agreements is regulated in positive Indonesian law which is Financial Services Authority Regulation Number 77 / POJK.01/2016 concerning Information Technology-Based Lending Services. Meanwhile, legal protection in the implementation of technology(Fintech) based lending agreements occurs when the debtor defaults and the creditor commits an unlawful act, both of which occur due to a lack of legal protection arrangements in the Financial Services Authority Regulation.

scholarly journals Perlindungan Hukum Terhadap Korban Tindak Pidana Penghinaan Citra Tubuh (Body Shaming)

2021 ◽  
Vol 2 (3) ◽  
pp. 537-541
Author(s):  
Ni Made Yeni Sukmawati ◽  
Anak Agung Sagung Laksmi Dewi ◽  
Ni Made Sukaryati Karma
Keyword(s):  
Social Media ◽  
Body Image ◽  
Research Method ◽  
Legal Protection ◽  
Criminal Code ◽  
The State ◽  
Legal Rules ◽  
Criminal Sanctions ◽  
Positive Law ◽  
Victim Protection

Body Shaming is a term that is currently trending, where criticizing or commenting on someone's physical in a negative way or with speech that intends to mock or insult someone's physical or appearance falls into this category. Legal protection for victims of body shaming needs to get very serious attention in order to deal with the phenomena that are currently happening on social media in particular. This study examines the regulation of the criminal act of insulting body image (body shaming) in terms of positive law and explains the legal protection provided to victims in the crime of insulting body image (body shaming). This study uses a normative research method by applying the legislation approach which refers to primary legal materials and secondary legal materials. The regulation of criminal acts of insulting body image (body shaming) in terms of positive law in general can be seen from the element of humiliation which is regulated in Chapter XVI of the Criminal Code and is grouped into 6 parts, namely from article 310 to article 318 and besides that, there are also other legal rules that regulate it implicitly in Article 27 paragraph (3). Article 45 paragraph (3) of the ITE Law. With sanctions in the form of criminal sanctions. The form of legal protection given to victims in the crime of body shaming is the making of policies by the State regarding prohibitions and strict sanctions for violators such as criminal sanctions and fines, through the established witness and victim protection institution

scholarly journals PERLINDUNGAN HUKUM TERHADAP NASABAH BANK YANG DIRUGIKAN AKIBAT KEJAHATAN SKIMMING DITINJAU DARI PERSPEKTIF TEKNOLOGI INFORMASI DAN PERBANKAN

2018 ◽  
Vol 1 (2) ◽  
pp. 157-171
Author(s):  
Dian Ekawati
Keyword(s):  
Information Technology ◽  
Research Method ◽  
Civil Law ◽  
Banking System ◽  
Legal Protection ◽  
Customer Data ◽  
The People ◽  
Internal Operations ◽  
Role Of Information

The progress of the banking system cannot be separated from the role of information technology. In addition to facilitating the company's internal operations, technology tools also aim to facilitate service to bank customers. One side of Information Technology provides not a few benefits to improving services both public services and internal services. On the other hand Information Technology is used by people who are not responsible by committing acts that are against the law, which attacks various legal interests of the people, society, and the state. This study aims to get information about banking crimes that use the skimming method and about legal protection for customers who are victims of skimming crime. The research method is juridical normative, namely obtaining and combining and analyzing data obtained from books, articles and journals and related legislation. The results obtained are that crime skimming is an old mode of customer money burglary which is done by stealing customer data at the customer's ATM with skimmer techniques. Legal protection against customers who are harmed due to the crime of skimming can be carried out by criminal means, namely reporting to the police and the police's duty to arrest the perpetrators. Legal protection through civil law by way of the bank replacing the customer's money after clarifying the transaction against the customer's account

Perlindungan Hukum Konsumen Pada Perjanjian Baku (Standar Contract) PT. Telkomsel Terhadap Penggunaan Kartu Pasca Bayar (Halo Kick)

2020 ◽  
Vol 2 (2) ◽  
pp. 134-145
Author(s):  
Ahyuni Yunus ◽  
Agustina Ali Bilondatu
Keyword(s):  
Research Method ◽  
Equal Opportunity ◽  
Legal Protection ◽  
Active Role ◽  
The State ◽  
Standard Contract ◽  
Role Of The State ◽  
Changing Times ◽  
The Stability

Penelitian ini bertujuan, pertama Bentuk perlindungan hukum konsumen pada perjanjian baku (Standart Contract) PT Telkomsel Terhadap Penggunaan Kartu Pasca Bayar (Halo Kick), kedua Upaya hukum konsumen Konsumen tindakan sepihak yang dilakukan oleh pihak Telkomsel. Metode penelitian yang digunakan adalah metode penelitian hukum normatif. Hasil penelitian menunjukkan bahwa, pertama, Perlindungan hukum terhadap pekerja dimaksudkan untuk menjamin hak-hak dasar dan menjamin kesamaan kesempatan serta perlakuan tanpa diskriminasi atas dasar apapun untuk mewujudkan kesejahteraan pekerja beserta keluarganya. Perlindungan pekerja tersebut hanya dapat tercapai jika adanya peran serta Negara secara aktif dalam menjaga stabilitas iklim industrialisasi dengan perindungan terhadap pekerja, atau dengan kata lain ditengah gesekan perubahan zaman dan menggeliatnya pertumbuhan ekonomi maka peran serta Negara merupakan keniscayaan. This study aims, firstly, the form of consumer legal protection in the PT Telkomsel standard contract against the use of postpaid cards (Halo Kick), secondly the consumer's legal efforts for unilateral actions taken by Telkomsel. The research method used is normative legal research method. The results show that, first, legal protection for workers is intended to guarantee basic rights and guarantee equal opportunity and treatment without discrimination on any basis to realize the welfare of workers and their families. Protection of workers can only be achieved if there is an active role of the State in maintaining the stability of the industrialization climate with protection of workers, or in other words, amidst the friction of changing times and stretching economic growth, the participation of the State is a necessity.

scholarly journals Peran Kantor Wilayah Kementerian Hukum dan Hak Asasi Manusia Terhadap Pendaftaran Indikasi Geografis

2020 ◽  
Vol 5 (1) ◽  
pp. 65
Author(s):  
Erick Junata Sipayung
Keyword(s):  
Human Rights ◽  
Local Governments ◽  
Research Method ◽  
Economic Value ◽  
Geographical Location ◽  
Legal Protection ◽  
Geographical Indications ◽  
Regional Office ◽  
Community Factors

Indonesia is a country rich in biological natural resources which is spread throughout the region, including the Riau Islands Province. Geographical location surrounded by almost 90% (ninety percent) of the sea area, it indirectly indicates the potential of Geographical Indications that are spread in 7 (seven) districts/ cities in Riau Islands. Directorate General of Intellectual Property through the Regional Office of the Ministry of Law and Human Rights has committed to continue to explore the IG potential in each region determined through the Annual Performance Target. IG legal protection can only be given if an item or product has been registered, for example "Sagu Lingga" which has just been declared as one of the IG products. The registration of “Sagu Lingga” is inseparable from the role of the Regional Office of the Ministry of Law and Human Rights of the Riau Islands in collaboration with the Lingga Regency Government and Indonesian Sagu Empowerment Association of Lingga. From the results of research in the field, in an effort to register potential IG Products in Riau Islands Province, the Role of the Kemenkumham Kepri Regional Office since the enactment of Law Number 20 of 2016 concerning Trademarks and Geographical Indications has not been running optimally, where the form of efforts carried out is still limited to inventory, coordination with local governments and supervision of IG products. This is caused by the existence of several constraints caused by several factors including Legal Factors, Law Enforcement Factors, Means and Infrastructure Factors, Community Factors and also Cultural Factors. Whereas the IG registration effort should aim to establish legal certainty and increase the economic value of a product that has an impact on the welfare of the community. This is what then makes researcher interested in pouring it in the form of research. All information was carried out by unstructured interviews, observations and document studies where sample selection was carried out using the purposive sampling method. The research method used is a sociological juridical research method.

scholarly journals PERAN HAKIM SECARA FUNGSIONAL BERDASARKAN PASAL 44 KITAB UNDANG-UNDANG HUKUM PIDANA

2020 ◽  
Vol 8 (8) ◽  
pp. 1170
Author(s):  
I Nyoman Kari Widya Widana ◽  
I Dewa Made Suartha
Keyword(s):  
Criminal Justice ◽  
Law Enforcement ◽  
Research Method ◽  
Scientific Work ◽  
Criminal Code ◽  
Penal Code ◽  
Rule Approach

Studi ini bertujuan untuk menganalisis peran Hakim secara fungsional berdasarkan ketentuan Pasal 44 Kitab Undang-Undang Hukum Pidana (KUHP). Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian hukum normatif dengan menggunakan pendekatan peraturan perundang-undangan dan kasus. Adapun hasil penelitian menunjukkan bahwa peran hakim secara fungsional dalam menilai dan memutus perkara yang melibatkan orang yang cacat karena penyakit berdasarkan ketentuan Pasal 44 Kitab Undang-Undang Hukum Pidana (KUHP) dalam perkembangan penegakkan hukumnya saat ini telah dikesampingkan. Hal ini disebabkan masih lemahnya atau kurang jelasnya pengaturan Pasal 44 KUHP terkait peran hakim dalam menilai dan memutus perkara yang melibatkan pelaku tindak pidana yang jiwanya cacat dalam pertumbuhan atau karena penyakit, sehingga menimbulkan dualisme pandangan yang berbeda dari setiap sub sistem peradilan pidana (kepolisian, kejaksaan, peradilan). This study aims to analyze the role of Judges functionally based on the provisions of Article 44 of the Criminal Code. The research method used in this study is a normative-law study method using a regulatory and case-rule approach. As for the conclusion of this scientific work, the role of a functional judge and dissolution involving a person who is malformed by article 44 of the criminal code in the current law enforcement development has been ruled out. This is due to the lack of or clarity of the penal code, article 44 of the criminal code relating to the role of judge and cutting a case involving perpetrators whose lives are impaired in growth or because of disease, leading to a different dualismne view from any subsystem of criminal justice (police, prosecutors, justice).

scholarly journals Peran Otoritas Jasa Keuangan (OJK) dalam Mengawasi Maraknya Pelayanan Financial Technology (Fintech) di Indonesia

2020 ◽  
Vol 9 (3) ◽  
pp. 559
Author(s):  
Elvira Fitriyani Pakpahan ◽  
Jessica Jessica ◽  
Corris Winar ◽  
Andriaman Andriaman
Keyword(s):  
Financial Services ◽  
Legal Protection ◽  
Electronic Money ◽  
Services Sector ◽  
Digital Money ◽  
The Government ◽  
The Moment ◽  
Financial Transactions ◽  
Financial Technology

The purpose of this research is to give insights on how Fintech and the role of OJK in supervising the services of Fintech in Indonesia. The presence of Fintech in Indonesia greatly helps citizens in accessing and provide easiness in financial transactions. At the moment, Fintech provides several functions that are believed to develop rapidly and Fintech also provides services on electronic money, virtual account, aggregator, lending, crowdfunding and other online monetary transactions. Various businesses that are part of Fintech are startups and online businesses. Therefore, the government should provide legal protection in order to protect both parties, the business organizers and the possible customers. In this case, business organizers with legal Fintech development have potential that is related to consumer protection, stable financial system, economy, and payment methods. The method of the research that is used in conducting this journal is the applied law research method. This research is using normative law with the facts approach and Constitution approach. In this case, Bank Indonesia has issued the Bank Indonesia Regulation No. 18/40/PBI/2016 about the implementation of the payment transaction and the Bank Indonesia Regulation No. 19/12/PBI/2017 about the implementation of Financial Technology. Along with OJK Regulation No. 13/POJK.02/2018 about the innovation of digital money in the financial services sector as a provision that covers the supervision and stipulates financial technology (fintech) industry issued by Otoritas Jasa Keuangan (OJK). Tujuan dari penelitian ini adalah untuk memberikan pengetahuan bagaimana Fintech dan peran OJK dalam mengawasi maraknya pelayanan Fintech di Indonesia. Munculnya Fintech di Indonesia sangat membantu masyarakat untuk mengakses dan mempermudah transaksi keuangan. Saat ini, Fintech memiliki berbagai fungsi yang diyakini mampu berkembang cepat dan Fintech mampu melayani electronic money, virtual account, agregator, lending, crowdfunding dan transaksi keuangan online lainnya. Berbagai usaha yang termasuk dalam Fintech adalah bisnis startup dan bisnis online. Dengan demikian Pemerintah harus memberikan suatu bentuk perlindungan hukum baik itu dari segi penyelenggara bisnis maupun untuk masyarakat yang berperan sebagai nasabah. Dalam hal ini, Pelaksanaan bisnis yang dijalankan secara legalitas untuk pengembangan fintechnya memiliki potensi resiko yang berhubungan dengan perlindungan konsumen, stabilitas sistem keuangan dan ekonomi ,serta sistem pembayaran. Metode penelitian yang digunakan dalam penyusunan jurnal ini adalah metode hukum yuridis normatif. Dimana penelitian ini meneliti hukum secara normatif dengan menggunakan pendekatan fakta dan pendekatan Undang-Undang. Dalam Hal ini Bank Indonesia (BI) mengeluarkan Peraturan Bank Indonesia No 18/40/PBI/2016 dan Peraturan Bank Indonesia No 19/12/PBI/2017 serta Peraturan OJK No. 13/POJK.02/2018 sebagai bentu pengawasan dan pengaturan industri financial technology (fintech) yang dikeluarkan oleh Otoritas Jasa Keuangan (OJK).

scholarly journals Urgensi Pembentukan Undang-Undang Fintech Di Indonesia: Harapan Dan Realita Di Era Pandemic Covid-19

SASI ◽  
2021 ◽  
Vol 27 (4) ◽  
pp. 532
Author(s):  
Didik Irawansah ◽  
Wardah Yuspin ◽  
Ridwan Ridwan ◽  
Nasrullah Nasrullah
Keyword(s):  
Consumer Protection ◽  
Financial Services ◽  
Research Method ◽  
Legal Protection ◽  
Legal Framework ◽  
Legal Regulations ◽  
Significant Development ◽  
Legal Problems ◽  
Library Studies ◽  
Research Findings

The growth of Fintech in Indonesia is very rapid, this condition is directly proportional to the legal problems that arise, the legal policy of regulation and protection of Fintech is still focused on the OJK, while the OJK still has many weaknesses in the implementation of supervision and protection of fintech activities, especially in the era of the covid pandemic. -19. The purpose of this study, first, by outlining the legal regulations issued by Bank Indonesia and the Financial Services Authority regarding fintech in Indonesia by looking at the legal weaknesses so that it is important to establish the Fintech Law. second, the urgency of the establishment of a fintech law on fintech consumer protection in Indonesia. Meanwhile, the importance of this research is that it will explain the development of the fintech industry in Indonesia, especially during the Pandemic, where the fintech industry experienced significant development so that this is an idea to provide a clear legal framework for the fintech industry. The research method used is normative juridical using library data and observations of fintech developments through library studies. Research findings show that so far fintech in Indonesia has used regulations contained in the POJK and PBI as the basis for implementing fintech, although it is felt that the regulations issued by POJK and PBI have not been able to provide maximum legal protection for the implementation of the fintech industry. so it is necessary to establish a law in order to provide legal protection for the development of the fintech industry now and in the future.

scholarly journals Legal protection of online loan recipients based on financial services authority

2021 ◽  
Vol 5 (S4) ◽  
Author(s):  
Annie Myranika
Keyword(s):  
Data Collection ◽  
Dispute Resolution ◽  
Financial Services ◽  
Research Method ◽  
Code Of Conduct ◽  
Legal Protection ◽  
Qualitative Approach ◽  
Upper Limit ◽  
Legal Understanding

This study aims to determine the form of legal protection, dispute resolution, and provide legal understanding. The normative research method using a qualitative approach describes legislation and a case approach, and Law Number 21 of 2011 concerning the Financial Services Authority, Law Number 19 of 2016 ITE, and OJK Number 77/POJK.01/2016 concerning Borrowing Services. . Data collection techniques through (1). Interview, (2). Surveys (3). Documentation study. Conclusion (1). Many customers are victims as users of unlicensed services. (2). Efforts to protect customers against the implementation of OJK services (3). Cooperating with the Indonesian Joint Funding Fintech Association (4). Determination of the upper limit on loan interest and code of conduct for the loan collection process, (5). OJK cooperates with the Ministry of Communication and Information.

Third Party Legal Protection Against Investors Does Not Release the Building Rights After Termination of Contracts for Business Sites

Authentica ◽  
2020 ◽  
Vol 1 (2) ◽  
pp. 123-144
Author(s):  
Rexon Manihuruk
Keyword(s):  
Research Method ◽  
Legal Protection ◽  
City Government ◽  
Third Party ◽  
Data Sources ◽  
Legal Rights ◽  
Peace Agreement ◽  
The Right ◽  
The City

Legal Protection for Third Parties (Occupants: Tenants) Facing Investors who do not relinquish Building Rights After the Termination of Contract Agreement for Morning Market Business Sites in Tegal City is needed. This paper uses a normative juridical research method. The main data sources of this study come from the results of decisions and documents relating to the problems faced by traders, especially those who received complaints and were sued by Investors, including decisions between the city government and investors. Based on the results of the study it can be concluded that the role of the city of Tegal to protect traders is very important as a form of legal protection for the actions of investors against the occupants of the morning market stalls block B and C morning market in Tegal City. The Tegal City Government as having legal rights and relations (compensation/ peace agreement) after terminating the contract for the place of business with the Investor to collect the obligation of the Investor to give up his rights in a preventive and repressive manner (making a claim) to the investor to carry out its obligations as agreed surrender (release) the right to use the building.Keywords: Legal Protection; Business Place Contracts; Building Use Rights 

Sign in / Sign up

Export Citation Format

Share Document