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All Journal Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Al-Zayn: Jurnal Ilmu Sosial & Hukum
Kospiyandi
Universitas Pembangunan Panca Budi
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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.
NORMATIVE ANALYSIS OF THE MINISTER OF MANPOWER REGULATION NUMBER 7 OF 2026 CONCERNING OUTSOURCING WORK FROM THE PERSPECTIVE OF LEGAL CERTAINTY OF CONTRACTS Kospiyandi; Siti Nurhayati; Fitri Rafianti
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

This article examines, from a normative standpoint, how the 2026 Manpower Ministerial Regulation No. 7 on outsourced work, issued in response to Constitutional Court ruling 168/PUU-XXI/2023, affecting certainty in contractual relations. The regulation reshapes outsourcing in three ways: only six kinds of support activities may now be contracted out, worker-protection clauses become mandatory, and every outsourcing agreement must be registered with the labor office. Using doctrinal legal research that combines statutory and conceptual analysis, the study finds that the regulation cuts both ways. For employees, it strengthens substantive certainty because their statutory entitlements are secured in writing and the room for exploitation narrows. For businesses, however, the narrow list of permitted work and the two-year adjustment window can unsettle long-term service agreements already in force between user firms and outsourcing providers. Aligning termination clauses with clauses that carry worker protection over to a new provider (the TUPE element) is therefore essential to keep industrial disputes in check.
Co-Authors Achmad Fahdi Bambang Fitrianto Graha Lubis Hendrie Haryanto Rafianti, Fitri RR Sasmaya Hati Siti Nurhayati