Putra Dirgantara
Universitas Pelita Harapan

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Strengthening the Regional Investment Climate Through Bandung City Regional Regulation Number 4 of 2022: Legal Certainty, Incentives, and Ease of Doing Business Heigel Parodi Ritonga; Putra Dirgantara; Rifaldo Aditya
JIHAD : Jurnal Ilmu Hukum dan Administrasi Vol. 8 No. 2 (2026): JIHAD : Jurnal Ilmu Hukum dan Administrasi
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/jihad.v8i2.10544

Abstract

Bandung City Regional Regulation Number 4 of 2022 concerning Investment Implementation serves as a regional legal engineering instrument in response to the shift in national regulatory paradigm following the enactment of the Job Creation Law. This regulation is intended not only as a legal umbrella for investment but also as a framework for driving the regional economy by strengthening legal certainty, ease of doing business, and integrating investment policies with the development direction of Bandung City. This regulation emphasizes the implementation of investment that aligns with riskbased business licensing, spatial planning, infrastructure provision, employment, environmental protection, and strengthening the capacity of the regional bureaucracy. The essence of the regulation positions investment not merely as an influx of capital, but as a regional development ecosystem that includes social and sustainable dimensions, including through partnerships with MSMEs/cooperatives, local labor absorption, and encouragement of the implementation of environmentally friendly technologies. This study aims to analyze how Bandung City Regional Regulation Number 4 of 2022 functions as a legal umbrella and framework for driving the regional investment climate; examine the harmonization of regional economic growth targets with aspects of social openness through strengthening MSME/cooperative partnerships and providing local employment; and examine the relationship between incentive schemes and investment facilitation with control mechanisms as a form of accountability for investment implementation. The research method used is a normative juridical approach withstatute approach, which focuses on analyzing legal documents through a review of the main norms in Regional Regulation 4/2022, including the objectives of the regulation, regional government authority, investment planning in the form of RUPMK and investment potential maps, investor rights and obligations, business sector regulations, incentives and facilities, as well as guidance, supervision, reporting, and administrative sanctions instruments. Normatively, Bandung City Regulation Number 4 of 2022 positions Bandung City not only as a capital destination, but also as an investment ecosystem with legal certainty, oriented towards inclusive, competitive, and sustainable regional economic growth, through partnerships with MSMEs/cooperatives, absorption of local labor, and compliance with environmentally friendly principles that are accountably controlled by the local government.
Cyber Law Analysis and Customer Protection in Cases of Phishing in Digital Banking Maria Minerva Gani; Cheryl Nathania; Heigel Parodi Ritonga; Nathasya Jhonray Siregar; Rifaldo Aditya; Putra Dirgantara; Nicole Eugenia Yuri; Tasya Amira F Siregar
JIHAD : Jurnal Ilmu Hukum dan Administrasi Vol. 8 No. 2 (2026): JIHAD : Jurnal Ilmu Hukum dan Administrasi
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/jihad.v8i2.10602

Abstract

This study examines phishing in digital banking services as a form of cybercrime that combines electronic system manipulation and social engineering. Phishing is not merely a technical security issue, but also a legal problem involving criminal liability, consumer protection, and personal data protection. This research uses normative legal research with statutory and case approaches, particularly by analyzing phishing practices involving fake banking websites that resemble official digital banking platforms. The findings show that phishing can be legally constructed through several provisions under the Electronic Information and Transactions Law, the Personal Data Protection Law, and the National Criminal Code. The perpetrator’s liability may be established through the elements of unlawful act, intent, capacity to be held responsible, and the absence of justifying or excusing grounds. In addition, victim protection must be carried out through preventive measures, responsive handling, and recovery mechanisms, including strengthening digital security, improving customer literacy, conducting internal investigations, and providing dispute resolution channels. Therefore, the prevention and handling of phishing in digital banking requires an integrated approach that combines criminal enforcement, banking governance, consumer protection, and personal data protection.