scholarly journals Regulation on Electronic System Security for E-Wallet in Order to Protect Consumers from Financial Loss Due to Cyber Fraud Based on Indonesian Law

Author(s):  
Rahel Octora ◽  

Developments of technology brings out various types of digital financial innovations. Nowadays, we live in a cashless society, where transactions using cash money are minimized. Payments are currently made with electronic money, whether classified as e-money or e-wallet. This research focuses on the security issue of the e-wallet system, considering that there are still various cases of fraud in Indonesia, that result in the loss of the user's e-wallet balance. This research is a normative juridical research that uses secondary data in the form of primary legal materials, such as various relevant laws and regulations, and secondary legal materials (books and legal literature). The approach used are statutory approach and conceptual approach. Indonesian law has regulated the obligations of e-wallet providers to ensure the security system of user accounts. In the event of a cyber fraud case that results in a loss of balance, the provider plays a role in responding to consumer complaints, and providing explanations regarding the cause of the loss of balance. Cyber fraud perpetrators are criminally responsible based on violations of the Electronic Information Transaction Law.

2018 ◽  
Vol 9 (6) ◽  
pp. 529-536
Author(s):  
Martin Khoya Odipo ◽  

Recent studies have documented that innovations improve profitability of firms. This article documents that deposit taking micro financial institutions that have adopted financial innovations have increased their profitability. The study covered five years between 2009-2013. Both primary and secondary data were used in the study. Primary data was obtained through administration of drop and pick questionnaires to selected employees of the institutions. Secondary data was obtained from financial statements and management reports of these deposit taking microfinance institutions. Data was analyzed using descriptive statistics, return on asset and multi-liner regression model to determine the effect of each financial innovation applied on profitability on the micro-financial institution. The results showed that most deposit taking microfinance institutions adopted these financial innovations in their current operations. There was strong positive relationship between individual innovations and profitability. In line with profitability ROA also showed improvement each year after the adoption of these financial innovations.


2017 ◽  
Vol 5 (3) ◽  
Author(s):  
Dr. Hotma Napitupulu, MM.

Management of regulatory oversight under the law, analyze the legal consequences with its use as a system of legal oversight mechanisms in order to create harmonization of law in the region. As for the method used in research by using empirical method that is by conceptual approach method with primary and secondary data source. As for the method used in research by using empirical method that is by conceptual approach method with primary and secondary data source.


2020 ◽  
Vol 1 (1) ◽  
pp. 38-43
Author(s):  
Anak Agung Made Ayu Rai Lidya Astari ◽  
I Nyoman Putu Budiartha ◽  
Ni Made Puspasutari Ujianti

E-commerce is a buying and selling activity carried out via the internet with electronic media. Based on this, two problems were raised as follows: 1). What are the aspects of consumer protection against electronic business transactions, 2). How to regulate the control of electronic business transactions in ensuring the implementation of consumer rights. The research method used in the preparation of this research is normative with a statutory approach and a conceptual approach, namely analyzing the problems to be discussed through legal concepts taken from several books and literature that have relevance to the problem. The data sources used are primary data, namely through statutory regulations, secondary data, namely using legal theory and experts, and tertiary data, namely related to legal dictionaries and encyclopedias. The technique of collecting data is through the method of recording legal materials and collecting references used. The data analysis used systematic legal interpretation and legal argumentation based on deductive logic. However, all the benefits that are offered, there is a concern about the responsibility of online companies to online consumers considering so many online companies. The Trade Law and the Consumer Protection Act are the basis for trading in online trading and / or in conventional trading. In this case the need for supervision in order to improve harmony in each application. The results showed that the aspect of protection was carried out by defending the rights of consumers against the disturbance of other parties. In order to increase awareness, knowledge, concern and independence of consumers, especially in choosing, determining and demanding their rights as consumers. There are several principles in consumer protection, namely the principle of benefit, the principle of justice, the principle of security and safety, the principle of balance, the principle of legal certainty.


2021 ◽  
Vol 2 (2) ◽  
pp. 297-301
Author(s):  
Ida Ayu Mas lndriani ◽  
Ni Made Jaya Senastri ◽  
Ni Made Puspasutari Ujianti

Intellectual property rights including industrial designs. The idea of ​​industrial design safety is based on the belief that human imagination, taste and initiative are closely linked to industrial design. The state grants protection against new industrial designs. The definition of the rule of law used in the legal protection of industrial designs is based on Law No. 31 of 2000. One of the components in this case is the protection of human rights which is the guideline for the legal protection of industrial designs. There are two forms of industrial design legal protection, which include preventive legal protection and repressive legal protection. This study aims to examine the form of legal protection for industrial designs based on Law No. 31 of 2000 and analyze the legal implications if the design rights holder does not register their industrial designs. This research was designed using normative research with a conceptual approach. The data used are primary and secondary data obtained through documentation and recording. The results of the study indicate that preventive legal protection is contained in the Act which is used to prevent violations and a description of the implementation of obligations while repressive legal protection is security in the form of sanctions for violations that have been committed. In view of this and considering the existence of protection in the form of the industrial design law, the designer can prevent the occurrence of plagiarism of his industrial design by registering his industrial design.


2020 ◽  
Vol 22 (1) ◽  
pp. 25-48
Author(s):  
Sri Walny Rahayu ◽  
Widiya Fitrianda

Lagu-lagu tradisional Aceh merupakan bagian rezim hak cipta dan termasuk dalam ekspresi budaya tradisional masyarakat Aceh, kekayaan dan identitas bangsa. Untuk memajukan lagu-lagu tradisonal sebagai bagian kebudayaan Aceh, diperlukan langkah strategis melalui perlin-dungan, pengembangan, pemanfaatan, pembinaan untuk mewu-judkan masyarakat Aceh yang berdaulat secara politik, berdikari secara ekonomi, dan berkepribadian dalam Kebudayaan. Hal lainnya, lagu-lagu tradisional Aceh merupakan hak milik yang dapat beralih melalui warisan. Dalam praktiknya ahli waris pencipta lagu-lagu Aceh tidak memahami dan belum mendapatkan hak ekonominya  sebagai-mana diatur dalam Pasal 16 ayat (2) Undang-Undang Nomor 28 Tahun 2014 tentang Hak Cipta. Budaya masyarakat komunal berbeda pandang dengan filosofi konsep hak kekayaan Intelektual, bersifat eksklusif monopoli, dan lemahnya implementasi penegakan hukum hak cipta merupakan persoalan yang harus mendapat perhatian pemerintah di Aceh dalam melestarikan budaya tradisonalnya. Tujuan penulisan menjelaskan perlindungan hukum terhadap lagu tradisional Aceh yang merupakan ekspresi budaya tradisional, menjelaskan perlindungan kepada ahli waris pencipta lagu Aceh melalui warisan menurut Undang-Undang Hak Cipta, Kitab Undang-undang Hukum Perdata, dan Hukum Islam menjelaskan kendala pengalihan pencipta hak ekonomi lagu-lagu tradisional Aceh melalui warisan. Jenis penelitian ini menggunakan data sekunder sebagai data utama, atau yang disebut penelitian yuridis normatif yang menguji norma hukum sebagai objek penelitian. Pendekatan yang digunakan adalah pendekatan konseptual dan pendekatan hukum komparatif. Tulisannya disajikan dalam bentuk analisis deskriptif. Aceh Traditional Cultural Expression and Its Inheritance Model Traditional Acehnese songs which are part of the copyright regimes are one part of the expression of traditional Acehnese culture, wealth and national identity. The promotion of Acehnese culture through traditional songs requires a strategic step through protection, development, utilization, and coaching to realize an Acehnese society that is politically sovereign, economically independent, and has a personality in culture. Other things Traditional Aceh songs are property rights that can be transferred through inheritance. In practice the heirs of Acehnese songs creators do not understand and obtain economic rights from the commercial use of Acehnese songs as stipulated in Article 16 paragraph (2) of Law Number 28 of 2014 concerning Copyright. The communal society's culture is different from the philosophy of the concept of intellectual property rights that is exclusively monopoly and the weak implementation of copyright law enforcement is an issue that must be gotten the attention of the government, especially in Aceh to preserve the traditional Acehnese culture which is the expression of its people. The purpose of writing is to explain the legal protection of traditional Acehnese songs which are expressions of Acehnese cultural identity, explain the protection to the heirs of the creators of Aceh songs through inheritance according to the 2014 UUHC, the Civil Code and Islamic Law and explain what constitutes obstacles to the transfer of rights economic creator of traditional Acehnese songs through inheritance. This type of research uses secondary data as the main data, or so-called normative juridical research that tests legal norms as the object of research. The approach used is the conceptual approach and comparative legal approach. This writing is presented in the form of descriptive analysis.


Author(s):  
I Gede Prima Praja Sarjana

This article have title is “The Arrangement of Time Limit of Registration of Fiducia Guarantee in the law number 42 in 1999 on fiducia guarantee”. The issue in this article on how is Arrangement of Time Limit of Registration of Fiducia Guarantee in the law number 42 in 1999 on fiducia guarantee. This study is normative law research. That is law research that based on secondary data (literature data). The approach have been applied in this study were statue approach that is the law number 42 in 1999 on fiducia guarantee, fact approach, and analytic and conceptual approach. Then analysis technique was by using descriptive, interpretation and argumentation. The result showed, first: the law number 42 in 1999 on fiducia guarantee start from article 11 until 18. it is not clearly describe on time limit of registration of fiducia guarantee, so that it can arise uncertainty of law. Recommendation can be submitted that in order to demand of law certainty, orderliness, and useful in order to protect the public as user of fiducia guarantee institution, hence limit time of registration of fiducia guarantee need to be arranged strickly in the Law number 42 in 1999 on fiducia guarantee


Commercial vehicle loan borrowers of India constitute a segment of customers with a unique socioeconomic background, financial literacy level and lifestyle. Lending money to that segment involves high risk. Keeping this fact in mind, the studied company attempted to understand the need of this segment, explored the various lifestyle issues affecting the loan repayment and the financial loss to the customer’s family. Then, base these explorations, the company developed unique initiatives that would not only retain customers, but add value to the customers and the family. Such initiatives are quite relevant to the present context when all financial companies have been geared up to create value through unique approach to customer relationship. With this backdrop, this paper enumerates one of such unique CRM initiative taken by the studied company and tries to measure its effectiveness by analysing the primary and secondary data taken on different dimensions of effectiveness. The paper has been presented as a case study of one non-banking financial company that has developed unique CRM initiatives. This case can throw insight into the ways financial companies are doing relationship marketing


2020 ◽  
Vol 11 (1) ◽  
pp. 130-148
Author(s):  
Meilinda Nur Rasyida Fatmawati ◽  
Indah Yuliana

ABSTRAK Transaksi non tunai kini semakin banyak digunakan dalam bertransaksi. Selain lebih praktis, mudah dan cepat, transaksi non tunai memiliki pengaruh terhadap kebijakan moneter di Indonesia. Dalam kebijakan moneter, transaksi non tunai mempengaruhi tingkat jumlah uang beredar di masyarakat. Selain itu, terdapat faktor lain yang dapat mempengaruhi jumlah uang beredar yaitu inflasi. Transaksi non tunai pada penelitian ini menggunakan ATM debet, ATM kredit dan uang elektronik. Tujuan penelitian ini adalah untuk mendapatkan bukti pengaruh transaksi non tunai terhadap jumlah uang beredar di Indonesia dengan inflasi sebagai variabel moderasi selama tahun 2015- 2018. Pengumpulan data menggunakan data sekunder dan teknik analisis yang digunakan adalah uji Moderating Regression Analysis (MRA). Berdasarkan hasil penelitian yang telah dilakukan adalah transaksi non tunai memiliki pengaruh positif dan signifikan terhadap jumlah uang beredar dan inflasi mampu memperkuat hubungan transaksi non tunai terhadap jumlah uang beredar.   Kata Kunci: ATM debet. ATM kredit, uang eletronik, inflasi, jumlah uang beredar (M1)   ABSTRACT The use of Non-cash transactions in society are increasing recently. It is more practical, easy and fast, moreover non-cash transactions have an influence on monetary policy in Indonesia. In monetary policy, non-cash transactions affect the level of money supply. In addition, there are other factors that can affect the money supply, namely inflation. Non-cash transactions in this study use a debit ATM, credit ATM and electronic money. The purpose of this study is to obtain evidence of the effect of non-cash transactions on the money supply in Indonesia with inflation as a moderating variable during 2015-2018. Data collection is based on secondary data and the analysis technique used is Moderating Regression Analysis (MRA) test. This research results that non-cash transactions have a positive and significant effect on the money supply and inflation is able to strengthen the relationship of non-cash transactions and the money supply. Keywords: Debit AT, ATM credit, electronic money, inflation, money supply (M1)


2020 ◽  
Vol 10 ◽  
pp. 249-253
Author(s):  
Siti Mahmudah ◽  
◽  
Etty Susilowati ◽  
Yunanto, Amiek Soemarmi ◽  
Siti Malikhatun Badriyah ◽  
...  

The problem of this study is that small-scale capture fisheries business in Indonesia still faces a classic problem, namely limited sources of capital to develop the business, so a strategy is needed to overcome this problem, including working with other parties as partners in running the business. This study aims to investigate the legality of the capture fisheries business in Indonesia, and the limited partnership (Commanditaire Vennootschap/CV) as an alternative form of capture fisheries business in Indonesia. This study uses a normative juridical research method with a statutory approach and a conceptual approach, the legal data used is secondary data in the form of primary legal materials, namely the Law on Capture Fisheries and the Law on CV, and secondary legal material in the form of literature related to the research problem. The data and legal materials were collected through a literature study and analyzed descriptively and analytically. The results of the study concluded that in carrying out fishery business activities, the entrepreneurs can use CV as an alternative form of small-scale capture fisheries business that allows overcoming the problem of limited capital faced by small-scale capture fisheries entrepreneurs in Indonesia. The study concludes that with the formation of CV, there will be two partners in small-scale capture fisheries business, namely complementary allies as the party who manages what is done by fishermen and limited allies are parties who include capital in small-scale capture fisheries businesses.


2020 ◽  
Vol 15 (2) ◽  
pp. 89-107
Author(s):  
Syamsudin Isnaini ◽  
Amalia Diamantina

The friction between economic interests and environmental interests has become a serious problem today. The friction between the two interests is evident in the activities of a company, therefore a company is given responsibility for the impact caused by its activities. This responsibility is “corporate social and environmental responsibility”. However, the term "Corporate Social Responsibility (CSR)" is often used in Indonesian society. The use of this term has a legal consequence, namely that the company's responsibility is only social responsibility, while environmental responsibility does not exist. Departing from these problems, this study will focus on discussing problems regarding the “Corporate Environmental Responsibility (CER)” policy model in Indonesia, particularly regarding the CER policy model, and the types of CER policies. This research is a normative juridical research with a statutory approach and a conceptual approach. The data used is secondary data in the form of laws and regulations and news about company and / or government programs in the field of environmental management. Based on the research results, it is known that the CER policy model clarifies and reinforces the regulation of corporate responsibility towards environmental aspects, CER policies can come from corporate initiatives or come from government initiatives.


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