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All Journal Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Al-Zayn: Jurnal Ilmu Sosial & Hukum
Achmad Fahdi
Universitas Pembangunan Panca Budi
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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Perlindungan Hukum Nasabah Bank Digital atas Risiko Hilangnya Penjaminan Simpanan akibat Suku Bunga Melebihi Tingkat Bunga Penjaminan Achmad Fahdi; Bambang Fitrianto; RR Sasmaya Hati; Graha Lubis; Kospiyandi; Hendrie Haryanto
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 4 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i4.7396

Abstract

Penelitian ini mengkaji perlindungan hukum bagi nasabah bank digital atas risiko kehilangan penjaminan Lembaga Penjamin Simpanan (LPS) akibat praktik penawaran suku bunga yang melebihi Tingkat Bunga Penjaminan (TBP). Bank digital di Indonesia secara agresif menawarkan suku bunga deposito hingga 5–8% per tahun, jauh melampaui TBP LPS yang per Februari–Mei 2026 ditetapkan sebesar 3,50% untuk simpanan rupiah di bank umum. Konsekuensinya, nasabah yang menerima bunga di atas TBP berisiko kehilangan hak penjaminan secara penuh apabila bank dilikuidasi. Penelitian ini menggunakan metode hukum normatif dengan pendekatan perundang-undangan, konseptual, dan kasus. Hasil penelitian menunjukkan bahwa kerangka pengaturan dalam UU No. 24 Tahun 2004 jo. UU No. 4 Tahun 2023 tentang P2SK belum mengakomodasi secara spesifik karakteristik bank digital, dan perlindungan hukum yang ada masih dominan bersifat represif. Diperlukan penguatan instrumen disclosure wajib serta harmonisasi kewenangan OJK dan LPS dalam pengawasan praktik pemasaran bank digital.
LEGAL ANALYSIS OF THE TRANSFER OF RIGHTS TO COLLECT RECEIVABLES THROUGH COLLECTION TRUST DEEDS IN INTERNATIONAL TRADE DISPUTES Achmad Fahdi; Bambang Fitrianto; Siti Nurhayati
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 6 No. 6 (2026): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

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Abstract

The increasingly complex practice of international trade demands effective legal instruments to manage cross-jurisdictional receivable risks. One developing instrument is the Collection Trust Deed (CTD), a deed for the assignment of collection rights from the original creditor to a third party acting as collecting agent or trustee. Issues arise because Indonesia's civil law system does not recognize the concept of trust as developed in common law tradition, despite the fact that CTD has been widely used by foreign export credit insurance institutions such as Sinosure, NEXI, and EXIM Bank in handling defaults by Indonesian importers. This research aims to analyze the legal regulation of collection rights assignment through Collection Trust Deeds in the international trade system, as well as dispute settlement mechanisms and legal protection for creditors. The research uses a normative juridical method with statutory, conceptual, and comparative approaches, through examination of the Indonesian Civil Code, Law Number 30 of 1999 on Arbitration, the 1958 New York Convention, the UNCITRAL Convention on the Assignment of Receivables 2001, and the UNIDROIT Principles 2016. The results show that CTD can be qualified as a sui generis agreement valid under the principle of freedom of contract (Article 1338 in conjunction with 1320 of the Indonesian Civil Code), dispute resolution is more effectively conducted through international arbitration with enforceability of awards under the 1958 New York Convention, and legal protection for creditors can be enforced through the fiduciary duty of the collecting agent based on the principle of good faith. National legal reform is needed to accommodate modern contractual instruments such as CTD to ensure legal certainty that is responsive to the dynamics of international trade.
Co-Authors Bambang Fitrianto Graha Lubis Hendrie Haryanto Kospiyandi RR Sasmaya Hati Siti Nurhayati