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All Journal Clavia: Journal of Law
Almusawwir Almusawwir
Program Studi Ilmu Hukum Fakultas Hukum Universitas Bosowa
Law, Crime, Criminology & Criminal Justice Social Sciences

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TINJAUAN HUKUM PINJAMAN DIGITAL KOPERASI TERHADAP PERLINDUNGAN ANGGOTA Dian Rumianti Said; Zulkifli Makkawaru; Almusawwir Almusawwir
Clavia Vol. 23 No. 3 (2025): Clavia : Journal of Law, Desember 2025
Publisher : Faculty Of Law Bosowa University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56326/clavia.v23i3.8772

Abstract

Perkembangan teknologi informasi telah mendorong koperasi untuk mengadopsi sistem digital, termasuk dalam kegiatan peminjaman uang. Koperasi Simpan Pinjam Makmur Mandiri Kota Makassar menjadi salah satu koperasi yang mengimplementasikan peminjaman berbasis teknologi. Penelitian ini bertujuan untuk meninjau aspek hukum dari sistem pinjaman digital tersebut, terutama dalam kaitannya dengan perlindungan hukum terhadap anggota. Metode yang digunakan adalah pendekatan yuridis normatif dan empiris. Hasil penelitian menunjukkan bahwa masih terdapat ketidaksesuaian antara praktik peminjaman digital dengan ketentuan Undang-Undang Nomor 25 Tahun 1992 tentang Perkoperasian dan peraturan Otoritas Jasa Keuangan (OJK). Selain itu, kurangnya pemahaman anggota terhadap hak-haknya dalam sistem digital menjadi faktor lemahnya perlindungan hukum. Oleh karena itu, perlu adanya pengawasan dan sosialisasi lebih lanjut terkait pinjaman digital oleh koperasi. The development of information technology has encouraged cooperatives to adopt digital systems, including in lending activities. Koperasi Simpan Pinjam Makmur Mandiri in Makassar City is one of the cooperatives that has implemented digital-based lending. This study aims to examine the legal aspects of the digital lending system, particularly in relation to the legal protection of members. The research method used is a normative and empirical juridical approach. The results of the study indicate that there are still inconsistencies between digital lending practices and the provisions of Law Number 25 of 1992 concerning Cooperatives and regulations issued by the Financial Services Authority (OJK). In addition, the lack of member understanding of their rights in the digital system has contributed to weak legal protection. Therefore, further supervision and outreach regarding digital lending by cooperatives are necessary.
PROBLEMATIKA PENARIKAN ROYALTI LAGU DAN/ATAU MUSIK TERHADAP PELAKU USAHA KAFE DI KOTA MAKASSAR Alber Luther; Zulkifli Makkawaru; Almusawwir Almusawwir
Clavia Vol. 24 No. 1 (2026): Clavia : Journal of Law, April 2026
Publisher : Faculty Of Law Bosowa University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56326/clavia.v24i1.8797

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh penarikan royalti lagu dan/atau musik terhadap omzet usaha kafe serta hambatan yang dihadapi pelaku usaha kafe dalam memenuhi kewajiban pembayaran royalti di Kota Makassar. Penelitian ini menggunakan metode penelitian yuridis empiris dengan pendekatan kualitatif. Data diperoleh melalui wawancara dengan pelaku usaha kafe di Kota Makassar serta studi kepustakaan terhadap peraturan perundang-undangan yang berkaitan dengan hak cipta. Hasil penelitian menunjukkan bahwa secara normatif kewajiban pembayaran royalti telah diatur dalam Undang-Undang Nomor 28 Tahun 2014 tentang Hak Cipta dan Peraturan Pemerintah Nomor 56 Tahun 2021 tentang Pengelolaan Royalti Hak Cipta Lagu dan/atau Musik. Namun secara empiris, musik dalam usaha kafe lebih berfungsi sebagai unsur pendukung suasana (ambience) dan tidak secara langsung mempengaruhi peningkatan omzet. Hambatan yang dihadapi pelaku usaha antara lain kurangnya sosialisasi mengenai mekanisme pembayaran royalti, kekhawatiran terhadap beban biaya tambahan bagi usaha mikro dan kecil, kesalahpahaman mengenai penggunaan platform digital seperti Spotify dan YouTube Premium, serta belum optimalnya implementasi regulasi di tingkat daerah. Oleh karena itu diperlukan kebijakan yang lebih proporsional serta peningkatan sosialisasi agar tercapai keseimbangan antara perlindungan hak pencipta dan keberlangsungan usaha kafe. This study aims to analyze the impact of song and/or music royalty payments on cafe business turnover and the obstacles faced by cafe business owners in fulfilling their royalty payment obligations in Makassar City. This study used an empirical legal research method with a qualitative approach. Data were obtained through interviews with cafe business owners in Makassar City and a literature review of copyright-related regulations. The results indicate that normatively, royalty payment obligations are regulated in Law Number 28 of 2014 concerning Copyright and Government Regulation Number 56 of 2021 concerning the Management of Song and/or Music Copyright Royalties. However, empirically, music in cafe businesses functions more as an ambiance and does not directly influence revenue growth. Problems faced by business owners include a lack of publicity regarding royalty payment mechanisms, concerns about additional costs for micro and small businesses, misunderstandings regarding the use of digital platforms such as Spotify and YouTube Premium, and suboptimal implementation of regulations at the regional level. Therefore, more proportional policies and increased outreach are needed to achieve a balance between protecting creators' rights and the sustainability of cafe businesses.
ANALISIS PELAKSANAAN PUTUSAN TERHADAP SISTEM GOOGLE PLAY BILLING Emilia Astin; Andi Tira; Almusawwir Almusawwir
Clavia Vol. 24 No. 1 (2026): Clavia : Journal of Law, April 2026
Publisher : Faculty Of Law Bosowa University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56326/clavia.v24i1.8808

Abstract

Penelitian ini bertujuan untuk menganalisis pelaksanaan Putusan KPPU Nomor 03/KPPU-I/2024 terhadap kebijakan kewajiban penggunaan Google Play Billing System. Penelitian ini dilakukan dengan menggunakan tipe penelitian normatif-empiris, dengan jenis dan sumber data primer dan sekunder. Teknik pengumpulan data dilakukan melalui studi kepustakaan dan wawancara, kemudian data yang diperoleh dianalisis secara kualitatif. Penelitian ini menunjukkan bahwa Google terbukti melakukan praktik monopoli dan penyalahgunaan posisi dominan melalui kewajiban penggunaan sistem pembayaran Google Play Billing System yang membatasi pilihan pengembang aplikasi. KPPU menjatuhkan sanksi administratif berupa perintah penghentian praktik, pemberian opsi sistem pembayaran alternatif, serta denda administratif sebesar Rp 202,5 miliar. Namun demikian, pelaksanaan putusan KPPU No. 03/KPPU-I/2024 belum sepenuhnya berjalan. Hal tersebut disebabkan oleh proses upaya hukum kasasi melalui Mahkamah Agung sehingga pelaksanaan substantif putusan KPPU belum dapat berjalan secara optimal dan efektif. This research aims to analyze the implementation of KPPU Decision Number 03/KPPU-I/2024 concerning the policy requiring the use of the Google Play Billing System. The study employs a normative-empirical research approach, utilizing both primary and secondary data sources. Data were collected through literature review and interviews, and subsequently analyzed qualitatively. The findings indicate that Google was proven to have engaged in monopolistic practices and abuse of dominant position through the mandatory use of the Google Play Billing System, which limited application developers’ payment options. The KPPU imposed administrative sanctions in the form of an order to cease the practice, the obligation to provide alternative payment system options, and an administrative fine of IDR 202.5 billion. However, the implementation of KPPU Decision No. 03/KPPU-I/2024 has not yet been fully carried out. This is due to the cassation process before the Supreme Court, which has delayed the substantive enforcement of the KPPU decision and prevented it from being implemented optimally and effectively.
Co-Authors Alber Luther Andi Tira, Andi Dian Rumianti Said Emilia Astin Zulkifli Makkawaru