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Analisis Kritis Pencatuman Klausula Baku pada Perjanjian Kredit Kendaraan Bermotor di Kota Bima Syamyati Syamyati; Adnan Adnan; Musmuliadin Musmuliadin
As-Syar i: Jurnal Bimbingan & Konseling Keluarga  Vol. 8 No. 2 (2026): As-Syar’i: Jurnal Bimbingan & Konseling Keluarga
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/as.v8i2.12380

Abstract

This study critically examines the inclusion of standard clauses in motor vehicle credit agreements in Bima City and their conformity with the principles of balance, good faith, and consumer protection. This study employs an empirical legal research method with sociological and statutory approaches. Data were collected through interviews, observations, and document studies involving 10 consumers and two financing companies. The findings show that all of the agreements examined contained exoneration clauses, unilateral authorization clauses, and unilateral choice-of-law clauses. In addition, most of the documents also included clauses on unilateral interest rate changes and automatic renewal. The signing process was brief, lasting approximately 15 to 30 minutes, without adequate room for negotiation. The agreement documents also used small font sizes, ranging from 8 to 10 points, and were not accompanied by sufficient explanations from the leasing companies. These practices conflict with Article 18 of the Consumer Protection Law, the principle of balance, and the principle of good faith because they place consumers in a weaker position and create an imbalance of rights and obligations between the parties. These clauses may also be declared null and void by law. Therefore, this study recommends strengthening supervision by the Financial Services Authority and local governments, improving consumers’ legal literacy, and ensuring strict law enforcement against business actors who violate consumer protection provisions.
Ekosistem Manajemen Talenta Dalam Pengelolaan Pengembangan ASN yang Profesional di Kota Bima Miftahuddin Miftahuddin; Ridwan Ridwan; Musmuliadin Musmuliadin
Ganaya : Jurnal Ilmu Sosial dan Humaniora Vol 9 No 3 (2026): Article in Press
Publisher : Jayapangus Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37329/ganaya.v9i3.5629

Abstract

The implementation of talent management is a juridical-strategic instrument to manifest a meritocracy system aimed at achieving the professionalism of the Civil Service Apparatus (ASN). This study aims to analyze regulatory readiness and the institutional policy design of the talent management ecosystem in developing a professional Civil Service Apparatus in Bima City. The research method used is empirical legal research (socio-juridical) focused on the Regional Civil Service and Human Resources Development Agency (BKPSDM) of Bima City. Data collection was conducted through in-depth interviews with key bureaucratic actors, observations, and a study of civil service legal documents. The research findings indicate that as an initial achievement, the Bima City Government has laid the foundation for the merit system, earning a "Good" predicate and initiating a competence-based career profiling program for 495 civil servants. However, during implementation, this ecosystem faces several obstacles, namely the absence of comprehensive local regulations, unintegrated civil service information technology databases, a limited number of assessors, and resistance from conventional work culture. As a policy design recommendation, from a juridical perspective, the formulation of a holistic Bima Mayoral Regulation is required to synchronize the management of the talent pool, alongside the restructuring of BKPSDM into a Talent Development Center. This policy recommendation is expected to offer future implications in ensuring legal certainty, objectivity, and career fairness for the Civil Service Apparatus.
PERTANGGUNGJAWABAN PIDANA PEGAWAI PENGADILAN NEGERI DALAM TINDAK PIDANA KORUPSI Kombat Germado; Musmuliadin Musmuliadin; Zuhrah Zuhrah
GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Vol. 13 No. 7 (2026): 2026 Juli
Publisher : Lembaga Kajian Ilmu Sosial dan Politik (LKISPOL)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56015/gjikplp.v13i7.1076

Abstract

Corruption in the judiciary is one of the most destructive manifestations of official crimes, as it directly undermines public trust in institutions that should be the last bastion of justice. District court employees, as officials who have access to case documents, judicial administration processes, and communication between litigants, are in a vulnerable and strategic position in the ecosystem of judicial corruption. This study aims to comprehensively analyze the criminal liability framework for district court employees involved in corruption, identify normative gaps in existing regulations, and formulate recommendations for legal reforms that are adaptive to the development of contemporary judicial corruption modus operandi. The method used is normative legal research with a statutory approach, a conceptual approach, and a comparative approach, supported by an analysis of jurisprudential cases of the Supreme Court and the Corruption Eradication Commission (KPK) in the 2015–2024 period. The results of the study indicate that the criminal liability of district court employees in corruption crimes is subject to Law Number 31 of 1999 in conjunction with ... Law Number 20 of 2001 concerning the Eradication of Criminal Acts of Corruption, however, there are a number of normative disharmonies between these provisions and Law Number 5 of 2014 concerning State Civil Apparatus and Law Number 48 of 2009 concerning Judicial Power. This research is novel in integrating the analysis of the doctrine of criminal liability with the institutional design of the judiciary and recommends the establishment of an internal anti-corruption protocol specifically for the court environment. Keywords: Criminal Liability; District Court Employees; Corruption; Judicial Corruption; Legal Reform.
PERLINDUNGAN HAK TERSANGKA DALAM PROSES PENYIDIKAN OLEH KEPOLISIAN: TINJAUAN YURIDIS NORMATIF TERHADAP KITAB UNDANG-UNDANG HUKUM ACARA PIDANA NASIONAL DAN UNDANG-UNDANG KEPOLISIAN NEGARA REPUBLIK INDONESIA Susanto Susanto; Gufran Gufran; Musmuliadin Musmuliadin
GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Vol. 13 No. 8 (2026): 2026 Agustus
Publisher : Lembaga Kajian Ilmu Sosial dan Politik (LKISPOL)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56015/gjikplp.v13i8.1189

Abstract

Perlindungan hak tersangka dalam proses penyidikan adalah parameter utama untuk mengukur sejauh mana suatu sistem peradilan pidana menjunjung tinggi prinsip due process of law dan menghormati hak asasi manusia. Artikel ini bertujuan menganalisis konstruksi normatif perlindungan hak tersangka pada tahap penyidikan yang dilakukan oleh Kepolisian Negara Republik Indonesia, dengan menelaah relasi antara Kitab Undang-Undang Hukum Acara Pidana yang baru, yaitu Undang-Undang Nomor 20 Tahun 2025, dan Undang-Undang Nomor 2 Tahun 2002 tentang Kepolisian Negara Republik Indonesia sebagaimana telah diubah dengan Undang-Undang Nomor 1 Tahun 2022. Penelitian ini menggunakan metode yuridis normatif dengan pendekatan perundang-undangan, pendekatan konseptual, dan pendekatan kasus, yang didukung penelusuran bahan hukum primer, sekunder, dan tersier secara kepustakaan. Hasil kajian menunjukkan bahwa pergantian rezim hukum acara pidana dari Undang-Undang Nomor 8 Tahun 1981 menjadi Undang-Undang Nomor 20 Tahun 2025 membawa pergeseran paradigmatik yang signifikan, antara lain melalui konsolidasi hak tersangka dan terdakwa secara komprehensif dalam satu bab tersendiri, penguatan peran advokat sejak tahap paling awal pemeriksaan, serta pelembagaan keadilan restoratif sebagai mekanisme penyelesaian perkara. Meskipun demikian, ditemukan adanya kesenjangan antara norma dan praktik penyidikan di lapangan, termasuk keterbatasan akses bantuan hukum bagi tersangka dari kelompok rentan, lemahnya pengawasan internal terhadap penyidik, serta kontroversi normatif terkait kedudukan barang bukti sebagai alat bukti mandiri yang sedang diuji di Mahkamah Konstitusi. Kebaruan penelitian ini terletak pada analisis lintas rezim hukum yang mengintegrasikan kerangka KUHAP nasional terbaru dengan Undang-Undang Kepolisian secara simultan, suatu pendekatan yang belum banyak ditemukan dalam literatur sebelumnya karena sebagian besar kajian terdahulu masih bertumpu pada KUHAP lama. Penelitian ini merekomendasikan penguatan mekanisme pengawasan independen, percepatan harmonisasi peraturan teknis kepolisian dengan KUHAP baru, serta penguatan kapasitas penyidik melalui pelatihan berbasis hak asasi manusia secara berkelanjutan. Kata kunci: Hak Tersangka; KUHAP Nasional; Kepolisian.