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Analisis Yuridis Wanprestasi Perjanjian Antar Lembaga Perkreditan Desa (LPD): Studi Putusan PN Denpasar Nomor 573/Pdt.G/2024/PN Dps Ni Kadek Nadya Putri Maharani; I Nyoman Budiana; Anak Agung Ayu Ngurah Sri Rahayu Gorda; Ni Putu Sawitri Nandari
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 1 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i1.3819

Abstract

Penelitian ini membahas perlindungan hukum dan pertimbangan hakim dalam perkara wanprestasi yang melibatkan Lembaga Perkreditan Desa (LPD) sebagaimana tercantum dalam Putusan Pengadilan Negeri Denpasar Nomor/573/Pdt.G/2024/PN/Dps. Kajian ini didorong oleh semakin intensifnya kerja sama keuangan antar LPD yang memerlukan kepastian hukum, mengingat LPD beroperasi sebagai lembaga keuangan yang berbasis adat. Penelitian ini bertujuan untuk mengkaji bentuk perlindungan hukum bagi LPD sebagai pihak kreditur serta menganalisis dasar pertimbangan majelis hakim dalam menyatakan adanya wanprestasi. Metode yang digunakan adalah yuridis normatif dengan pendekatan peraturan perundang undangan, pendekatan konseptual, dan pendekatan kasus. Bahan hukum utama meliputi Kitab Undang Undang Hukum Perdata, Peraturan Daerah Provinsi Bali Nomor 3 Tahun 2017 tentang Lembaga Perkreditan Desa, Peraturan Gubernur Bali Nomor 44 Tahun 2017 tentang Pelaksanaan Lembaga Perkreditan Desa, serta putusan pengadilan yang berkaitan. Hasil penelitian menunjukkan bahwa perlindungan hukum bagi LPD sebagai kreditur diberikan melalui upaya preventif dan represif. Perlindungan preventif diwujudkan dalam bentuk perjanjian simpanan berjangka yang memenuhi syarat sah perjanjian sebagaimana diatur dalam Pasal 1320 KUHPerdata dan diperkuat oleh sistem tata kelola internal LPD. Perlindungan represif dilakukan melalui somasi, pengajuan gugatan perdata, proses pembuktian di persidangan, penerapan sita jaminan, serta putusan hakim yang mengembalikan hak kreditur. Majelis hakim menetapkan terjadinya wanprestasi melalui penilaian alat bukti, penerapan Pasal 1238 dan Pasal 1243 KUHPerdata, serta berlandaskan pada asas kepastian hukum. Penelitian ini menegaskan bahwa kepastian hukum memiliki peran penting dalam perjanjian keuangan antar LPD.
Implementation of Teachers' Professional Allowance (TPG) Credit: A Case Study of Non-Performing Loans at PT BPR Aruna Nirmaladuta Gianyar Oktaviani. M, Masrianti; Kurniawan, I Gede Agus; Budiana, I Nyoman; Mahadewi, Kadek Julia
International Journal of Business, Law, and Education Vol. 6 No. 2 (2025): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v6i2.1271

Abstract

The development of Indonesia’s economy cannot be separated from the role of financial institutions, particularly Rural Banks (Bank Perkreditan Rakyat/BPR), which focus on financing the lower-middle-income sectors. One of BPR’s featured products is the Teacher Professional Allowance (TPG) credit, which uses teachers’ certification allowances as collateral for repayment. This study examines the implementation of TPG credit at PT BPR Aruna Nirmaladuta, analyzes the factors contributing to non-performing loans, and explores the legal measures taken to resolve them. The research employs an empirical legal method with statutory, conceptual, and field approaches through interviews and document studies. The findings indicate that TPG credit defaults are influenced by internal factors, such as inadequate creditworthiness analysis, and external factors, such as delays in the government’s disbursement of the TPG funds. Resolution efforts are conducted through restructuring, mediation, and litigation to ensure legal certainty and protection for both parties.
Reconstruction of Business Legal Ethics from the Perspective of the Principles of Good Faith and Contractual Fairness Narwadi, N Agus Adyatma; Budiana, I Nyoman; Kurniawan, I Gede Agus
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i2.6888

Abstract

Contracts in modern business practice serve not only as binding legal instruments but also as vehicles for realizing ethical values between parties. However, in reality, many commercial agreements are drafted solely based on the principle of freedom of contract, without adequate regard for the principles of good faith and contractual justice, which are essential to ensuring a fair balance of rights and obligations. The legal issue addressed in this study concerns the absence of explicit regulation regarding ethical standards in contract performance, particularly the role of good faith as a moral and legal foundation binding the parties. This study aims to reconstruct business legal ethics by positioning the principles of good faith and contractual justice as normative elements within Indonesia's civil law system. The research adopts a normative juridical method, utilizing both conceptual and statutory approaches, supported by doctrinal analysis and relevant jurisprudence. The findings indicate that the principle of good faith, as stipulated in Article 1338(3) of the Indonesian Civil Code, holds strong potential as a legal basis for assessing the moral legitimacy of contract execution. Similarly, the principle of contractual justice may serve as a corrective mechanism against imbalanced or exploitative business practices. Therefore, reconstructing business legal ethics through these two principles is crucial for developing a contractual system that is fair, morally grounded, and responsive to evolving socio-economic dynamics.
Law and Society in Transition: Philosophical Reflections on the Dynamics of Justice and Social Change Anisa, Nur; Budiana, I Nyoman; Kurniawan, I Gede Agus
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 2 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The rapid social changes occurring in the modern era place law and society in a dynamic and complex relationship. This study seeks to philosophically analyze the relationship between law and society in the context of ongoing social change, and examines the role of law as both an instrument and a reflection of these social dynamics. This research uses a qualitative approach with a philosophical reflection method on the concepts of justice, norms, and social transformation. The results of the study indicate that law cannot be understood solely as a set of rigid rules, but rather as a historical and cultural product that continues to evolve in line with changing societal values. During periods of social transition, law plays a dual role: on the one hand, it functions as a control instrument to prevent change from causing chaos, and on the other, it acts as a mirror that reflects the aspirations, moral awareness, and demands for justice in society. Philosophically, the relationship between law and society is dialectical—society shapes law, and law, in turn, shapes social behavior. Therefore, justice in the context of a transitional society must be understood dynamically, namely justice that is able to adapt to change without losing its moral foundation. In conclusion, responsive law rooted in social values ​​is a prerequisite for the creation of substantive justice in a constantly changing society.
PERLINDUNGAN PERLINDUNGAN HUKUM TERHADAP PESERTA BADAN PENYELENGGARA JAMINAN SOSIAL (BPJS) KESEHATAN DI DAERAH TERTINGGAL: Pendahuluan, Metode Penelitian, Hasil Penelitian dan Pembahasan, Kesimpulan Veronika Frinka Rambo; Ketut Elly Sutrisni; I Nyoman Budiana; I Gusti Ayu Eviani Yuliantari
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 11 No. 04 (2025): Volume 10 No. 04 Desember 2025 In Progress
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v11i04.9801

Abstract

Hak atas kesehatan adalah fundamental HAM yang dijamin oleh UUD 1945 dan dilaksanakan melalui Jaminan Kesehatan Nasional (JKN) oleh BPJS Kesehatan. Namun, kenyataan geografis di 62 daerah tertinggal (Pegunungan, Pulau-pulau) menciptakan ketidakseimbangan struktural, yang mengakibatkan kegagalan perlindungan hukum yang tidak efektif. Peserta di daerah terpencil terhambat oleh ketiadaan infrastruktur komunikasi dan menanggung risiko serta biaya transportasi darurat yang ekstrim, yang tidak terkompensasi oleh sistem. Penelitian ini bertujuan mengkaji keadilan peraturan BPJS bagi peserta di daerah tertinggal dengan fokus pada kegagalan yang dipicu oleh kondisi geografis. Metode yang digunakan adalah hukum normatif (penelitian hukum normatif) dengan pendekatan peraturan-undangan dan konteks. Hasil penelitian menunjukkan bahwa mekanisme Pengaduan dan Mediasi BPJS secara sistematis gagal. Mekanisme Pengaduan lumpuh akibat hambatan sinyal dan jarak fisik ekstrem, sedangkan Mediasi (Pasal 49) gagal secara substantif karena hanya bersifat represif kasus-per-kasus dan tidak mampu mengkompensasi kerugian biaya akses darurat. Kegagalan ini melanggar pemerataan dan keadilan sosial. Oleh karena itu, diusulkanlah rekonstruksi hukum yang menjamin transformasi fungsi Mediasi menjadi alat intervensi struktural. Mediasi harus diubah menjadi mekanisme yang wajib menghasilkan Kebijakan Kompensasi Khusus Biaya Akses dan BPJS wajib membentuk Dana Kompensasi Biaya Akses Darurat (DKBAD) untuk mencakup risiko geografis secara kolektif.
Perlindungan Hukum Terhadap Informan Pasif Undercover Buy Narkotika Yang Gagal Pande Ketut Ratih Widhiadnyani; I Made Wirya Darma; I Nyoman Budiana; A.A.A Ngurah Tini Rusmini Gorda
Locus: Jurnal Konsep Ilmu Hukum Vol 5 No 3 (2025): Desember
Publisher : LOCUS MEDIA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56128/jkih.v5i3.631

Abstract

Peran masyarakat sebagai informan pasif undercover buy narkotika yang gagal terbukti seringkali menimbulkan ancaman kriminalisasi akibat kurang tegasnya implementasi perlindungan hukum dari penegak hukum. Penelitian ini mengkaji norma kabur yang ditimbulkan pasal 106 huruf (e) undang-undang narkotika terhadap kerahasiaan data informan pasif dan penyempurnaan cakupan hak yang semestinya dijamin dengan perlindungan hukum karena menjalankan tanggungjawab berdasarkan amanat undang-undang. Penelitian ini mengaplikasikan metode normatif dengan pendekatan perundang-undangan dan pendekatan konsep. Hasilnya menunjukan bahwa perlunya pembenahan dan penyempurnaan implementasi perlindungan hukum yang diamanatkan pasal 106 Undang-Undang Narkotika berupa penjaminan kerahasiaan identitas informan pasif, pendampingan hukum, dan pemerataan standar operasional untuk menjamin kepastian hukum formal dan materiil dalam pelaksanaan pemberantasan peredaran gelap narkotika di Indonesia. Kata Kunci: Undercover Buy Narkotika, Informan Pasif, Perlindungan Hukum.
Implikasi Pidana Terhadap Pergeseran Fungsi Tabuh Rah: Kajian Yuridis Kriminalisasi Perjudian Dalam Konteks Ritual Tabuh Rah di Bali Putu Divia Iswara; Ni Putu Sawitri Nandari; I Nyoman Budiana; Dewa Krisna Prasada
Locus: Jurnal Konsep Ilmu Hukum Vol 5 No 3 (2025): Desember
Publisher : LOCUS MEDIA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56128/jkih.v5i3.657

Abstract

Penelitian ini membahas konflik norma antara hukum positif dan hukum adat terkait pergeseran fungsi tabuh rah di Bali. Awalnya, tabuh rah merupakan ritual suci dalam upacara caru yang dilindungi UUD 1945 dan diatur dalam awig-awig desa adat, namun dalam praktik berkembang menjadi tajen yang mengandung unsur perjudian dan dikriminalisasi oleh KUHP serta UU Nomor 1 Tahun 2023. Dengan metode penelitian hukum normatif melalui pendekatan perundang-undangan dan konseptual, penelitian ini menemukan adanya kekaburan norma akibat ketiadaan regulasi daerah yang menetapkan batasan yuridis yang jelas, sehingga menyulitkan penegakan hukum dan memicu resistensi masyarakat adat. Oleh karena itu, diperlukan pengaturan khusus yang membedakan tabuh rah ritual dari perjudian serta penguatan kewenangan desa adat guna mewujudkan harmonisasi hukum yang adil.
Analisis Yuridis Kedudukan Perempuan dalam Hak Waris Rumah Tinggal Berdasarkan Hukum Adat Bajawa, Nusa Tenggara Timur Djaga, Maria Safira Age; Budiana, I Nyoman; Nandari, Ni Putu Sawitri; Prasada, Dewa Krisna
AKADEMIK: Jurnal Mahasiswa Humanis Vol. 6 No. 2 (2026): AKADEMIK: Jurnal Mahasiswa Humanis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmh.v6i2.1999

Abstract

This study examines the legal position of women in inheriting residential houses under Bajawa customary law in Ngada Regency, East Nusa Tenggara. Although the Bajawa community follows a matrilineal system that places women at the center of lineage continuity, in practice their inheritance rights are not always absolute and may be influenced by various socio-cultural factors. This research aims to analyze women’s legal status in such inheritance and to identify factors that limit or shape the realization of these rights. An empirical juridical method was employed using factual and historical approaches. Primary data were obtained through in-depth interviews with customary leaders (mosalaki), community members, and relevant stakeholders, while secondary data were collected from legal documents and scholarly literature. The findings indicate that women, particularly the eldest daughter, hold primary genealogical rights over the family house as a symbol of lineage continuity. However, these rights are conditioned by social stratification, marital patterns, and customary recognition. The study highlights that Bajawa customary law provides strong social legitimacy for women’s inheritance rights, yet lacks formal legal certainty due to the absence of codification.
Mekanisme Penyelesaian Sengketa Pelanggaran Hak Cipta atas Pemutaran Musik secara Komersial : Studi Sengketa antara Lembaga Manajemen Kolektif dengan Outlet Mie Gacoan di Denpasar Putra, I Gusti Agung Wahyu Artha Kusuma; Budiana, I Nyoman; Antari, Putu Eva Ditayani; Yuliantari, I Gusti Ayu Eviani
AKADEMIK: Jurnal Mahasiswa Humanis Vol. 6 No. 2 (2026): AKADEMIK: Jurnal Mahasiswa Humanis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmh.v6i2.2020

Abstract

This study addresses the inconsistency between legal norms and practice in the use of music for commercial purposes without proper licensing and royalty payments. Despite clear regulations under Indonesian Copyright Law, violations remain frequent, as reflected in the dispute between the Collective Management Organization and a Mie Gacoan outlet in Denpasar. This research aims to examine the legal framework governing commercial music use and to analyze the dispute resolution mechanism applied in the case. The study employs a normative legal research method using statutory and conceptual approaches, supported by secondary legal materials such as legislation, legal doctrines, and relevant literature. The findings indicate that the commercial use of music without authorization constitutes a violation of the economic rights of creators. The dispute was resolved through mediation as a form of alternative dispute resolution, resulting in an agreement on royalty payment as compensation. This outcome highlights the effectiveness of non-litigation mechanisms while also revealing a gap between regulatory provisions and their implementation in practice. Strengthening legal awareness and enforcement is therefore essential to ensure optimal copyright protection.
Problematika Pengakuan Hukum Adat dan Kepastian Hukum dalam Surat Pernyataan Waris di Bawah Tangan Berbasis Konsep Purusa Jayantara, I Ketut Abdi; Sukadana, Dewa Ayu Putri; Budiana, I Nyoman; Puspadewi, Agung Ayu Intan
AKADEMIK: Jurnal Mahasiswa Humanis Vol. 6 No. 2 (2026): AKADEMIK: Jurnal Mahasiswa Humanis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmh.v6i2.2071

Abstract

This study addresses the legal uncertainty surrounding privately executed Statements of Inheritance (Surat Pernyataan Waris/SPW) in Indonesia, particularly when such documents are grounded in the purusa concept of Balinese customary law. While previous studies have discussed either evidentiary law or customary inheritance separately, limited attention has been given to their intersection within the framework of legal pluralism. This research aims to examine the legal validity of SPW under Indonesian positive law and to assess its evidentiary strength when influenced by the purusa principle. The study employs a normative legal method using statutory and conceptual approaches, focusing on provisions of the Indonesian Civil Code and constitutional recognition of customary law. The findings indicate that an SPW, as a private deed, has limited probative value and cannot serve as conclusive evidence without acknowledgment or supporting proof. Although the purusa concept provides strong sociocultural legitimacy in determining heirs, its application does not automatically fulfill formal legal requirements. Consequently, an SPW based on purusa must be aligned with the national legal system to ensure legal certainty and enforceability in inheritance disputes.
Co-Authors Anak Agung Ayu Intan Puspadewi Anak Agung Ayu Ngurah Sri Rahayu Gorda Anak Agung Ayu Ngurah Tini Rusmini Gorda Anak Agung Gde Rahmadi Anak Agung Ngurah Eddy Supriyadinata Gorda Antari, Putu Eva Ditayani Aptaningsih, Ni Made Indah Arif Budiman Lubis Ayu Meitrisnawati, Ni Komang Desak Putu Rini Larashati Subagia Dewa Putu Adi Putra Dewa Putu Adi Putra Dewi Bunga, Dewi Disantara, Fradhana Putra Djaga, Maria Safira Age Driptayanti, Ni Kadek Fridayanthi, Putu Pande Nathasya Gde Wahyu Marta Gunadi Gede Eka Rusdi Antara Giovanni Melianus T gorda, tini rusmini Gunadi, Gde Wahyu Marta Gusmana, I Putu Gede Radithya Gusti Ayu Eviani Yuliantari I Gede Agus Kurniawan I Gede Gatot Kasmariadi I Gede Putu Agus Wistama Putra I Gusti Agung Mas Triwulandari I Gusti Ayu Eviani Yuliantari I Made Warta I Made Warta I Made Wirya Darma I Nyoman Dharma Wiasa I Nyoman Subanda I Nyoman Sukarna Wijaya I Putu Edi Rusmana I Putu Wisnu Dharma Pura I Wayan Joniarta I Wayan Suderana Ida Ayu Sadnyini Ida Bagus Bujangga Pidada Kastu Suardana Jayantara, I Ketut Abdi Juliani, Kadek Eni Kadek Januarsa Adi Sudharma Kadek Julia Mahadewi Leo Liusiana Made Arya Prasetya Wibawa Made Oka Cahyadi Wiguna Maria Safira Age Djaga Melianus T, Giovanni Narwadi, N Agus Adyatma Ni Kadek Lira Ayu Trisna Ni Kadek Nadya Putri Maharani Ni Ketut Ananda Putri Pramessy Ni Ketut Elly Sutrisni, Ni Ketut Elly Ni Luh Putu Putri Prami Dewi Ni Luh Putu Rita Sukmawati Ni Nyoman Juwita Arsawati Ni Nyoman Nadiari Ni Nyoman Nityarani Sukadana Putri Ni Putu Eva Ditayani Antari Ni Putu Sawitri Nandari Ni Wayan Diah Sukmadewi Novi Mardihana Sari Nur Anisa Nutakor, Briggs Samuel Mawunyo Oktaviani. M, Masrianti Pande Ketut Ratih Widhiadnyani Prasada, Dewa Krisna Purnamawan, I Gede Puspadewi, Agung Ayu Intan Putra, I Gusti Agung Wahyu Artha Kusuma Putri Ramadhani, Faradhina Zahra Putri Sukadana, Dewa Ayu Putu Aras Samsithawrati Putu Divia Iswara Putu Rosa Paramitha Dewi R. A.T. Kuswardhani Rama, Bagus Gede Ari Riski Wahyudi, Anak Agung Ngurah Rusdi Antara, Gede Eka Sabathian Poedjiarso, Benhard Okta Sadnyini, Ida Ayu Sanjaya, Sang Putu Adi Scolastika, Sheanny Sheanny Scolastika Suardana, I Nyoman Alit Sukadana, Dewa Ayu Putri Sukmawati, Ni Luh Putu Rita Veronika Frinka Rambo Warta, I Made Wesnala, I Made Andika