Articles
PENERAPAN “ASAS KEADILAN” DALAM HUKUM KEPAILITAN SEBAGAI PERWUJUDAN PERLINDUNGAN HUKUM BAGI DEBITOR
Aprita, Serlika;
Adhitya, Rio
JURNAL HUKUM MEDIA BHAKTI Vol 3, No 1 (2019)
Publisher : Fakultas Hukum Universitas Panca Bhakti
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DOI: 10.32501/jhmb.v3i1.44
Penerapan asas keadilan dalam hukum kepailitan tidak terbatas pada teks yang dinormakan, tetapi bermakna luas yang juga meliputi keseluruhan proses penjatuhan putusan pailit maupun penundaan kewajiban pembayaran utang. Penerapan asas keadilan dalam kasus permohonan pailit PT. Sempati Air yang terdapat dalam Putusan Pengadilan Niaga Nomor 37/Pailit/1999/PN.Niaga/Jkt.Pst. adalah dalam rangka perlindungan hukum terhadap debitor terhadap tindakan sewenang-wenang kreditor yang berlomba-lomba secara mengklaim aset debitor untuk kepentingannya.dan mempunyai dampak positif terhadap peningkatan nilai ekonomi perusahaan yang pada gilirannya dipergunakan untuk membayar utang kepada para kreditornya. Untuk mengeksplanasi permasalahan pengaturan tersebut, peneliti melakukan penelitian hukum normatif dengan membahas permasalahan apakah putusan Pengadilan Niaga Nomor 37/Pailit/1999/PN.Niaga/Jkt.Pst telah memenuhi asas keadilan bagi debitor berdasarkan Undang-Undang Nomor 37 Tahun 2004 tentang Kepailitan dan Penundaan Kewajiban Pembayaran Utang?. Adapun kesimpulan dalam penulisan jurnal ini adalah putusan Pengadilan Niaga Nomor 37/Pailit/1999/PN.Niaga/Jkt.Pst telah memenuhi asas keadilan dalam bagi debitor berdasarkan Undang-Undang Nomor 37 Tahun 2004 tentang Kepailitan dan Penundaan Kewajiban Pembayaran Utang.
WEWENANG DAN TANGGUNG JAWAB HUKUM KURATOR ATAS KESALAHAN ATAU KELALAIANNYA MENGAKIBATKAN KERUGIAN BAGI DEBITOR DALAM PROSES HUKUM PENGURUSAN DAN PEMBERESAN HARTA PAILIT
Aprita, Serlika
Solusi Vol 17 No 2 (2019): SOLUSI
Publisher : Faculty of Law, University of Palembang
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DOI: 10.36546/solusi.v17i2.173
ABSTRACT In general, the monetary crisis that hit a country gave an unfavorable influence on the economic life of the country concerned and caused great difficulties in the business community to continue its activities. The ability of the business world to develop its business is very disturbed, even to maintain the continuity of its business activities is also not easy. It was decided that a debtor becomes a bankrupt debtor by the Commercial Court, it will cause legal consequences for the debtor and his assets. In connection with the loss of the right to control and manage the assets of the debtor, the curator has the authority to administer and deposit bankrupt assets. However, in its implementation, the curator has done a lot of mistakes and negligence in carrying out his duties, as found in various case examples, so the debtor must be responsible for errors and omissions. The existence of legal ratios as well as the form and mechanism of curatory legal responsibility has been regulated in Law Number 37 of 2004 based on the theory of legal responsibility and legal protection theory and the opinions of bankruptcy law experts are the main basis for curators to be responsible for their errors or omissions. It is expected that the curator in carrying out his duties to manage and deposit bankrupt debtors' assets can maximally increase the value of bankrupt assets in the interest of creditors.
Kewenangan Otoritas Jasa Keuangan (OJK) Melakukan Penyidikan: Analisis Pasal 9 Huruf C Undang-Undang Nomor 21 Tahun 2011 Tentang Otoritas Jasa Keuangan
Serlika Aprita
Jurnal Ilmiah Universitas Batanghari Jambi Vol 21, No 2 (2021): Juli
Publisher : Universitas Batanghari Jambi
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DOI: 10.33087/jiubj.v21i2.1431
In Law No. 21 of 2011 concerning the Financial Services Authority authorizes the OJK to carry out investigations. Investigation is one of OJK's supervisory duties as referred to in Article 9 letter c of the OJK Law which reads: "To carry out the supervisory duties as referred to in Article 6, OJK has the authority to carry out supervision, examination, investigation, consumer protection, and other actions against Service Institutions. Finance, actors and / or supporting financial services activities as referred to in the laws and regulations in the financial services sector. " According to Article 49 paragraph (1) of Law No. 21 of 2011 concerning Financial Services Authority (OJK), OJK Investigators are: 1. Apart from Investigating Officers of the State Police of the Republic of Indonesia, certain Civil Servants whose scope of duties and responsibilities includes supervision financial services sector within the OJK, given special authority as investigators as referred to in the Criminal Procedure Code. The research method in this paper is to use normative legal research. The regulation regarding the role of the OJK as an investigator is regulated in article 9 letter (c) of Law No. 20 of 2011 concerning the Financial Services Authority which becomes the basis for OJK in conducting investigations of banking crimes, so that the OJK carries out the function of implementing an integrated regulatory and supervisory system of all activities in the financial services sector.
Legal Protection of Personal Data Financial Technology Based Online Loans from The Consumer Protection Act
Iim Saputra Noptabi;
Serlika Aprita;
Mona Wulandari
Walisongo Law Review (Walrev) Vol 4, No 1 (2022)
Publisher : Universitas Islam Negeri Walisongo Semarang
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DOI: 10.21580/walrev.2022.4.1.11135
This study aims to determine the legal protection of personal data financial technology (Fintech) based on online loans in terms of the Consumer Protection Act and what are the legal consequences of personal data violations by fintech companies based on online loans in terms of the Consumer Protection Act. The type of research used is normative legal research. The conclusion of this study is that the legal protection of consumer personal data has been regulated by the Financial Services Authority (OJK) Circular and the Regulation of the Minister of Communication and Information concerning Confidentiality, Integrity and Security of Consumer Personal Data or Information and the Legal Consequences of Personal Data Violation, which is regulated in Article 47 of the Authority Regulation. Financial Services Number 77/POJK.01/2016 is an administrative sanction, then there is the Personal Data Protection Bill which regulates criminal sanctions. Penelitian ini bertujuan untuk mengetahui perlindungan hukum data pribadi financial technology berbasis pinjaman online ditinjau dari Undang-Undang Perlindungan Konsumen dan bagaimana akibat hukum pelanggaran data pribadi yang dilakukan perusahaan fintech berbasis pinjaman online ditinjau dari Undang-Undang Perlindungan Konsumen. Jenis penelitian yang digunakan adalah penelitian hukum normatif. Kesimpulan penelitian ini adalah perlindungan hukum data pribadi konsumen telah diatur oleh Surat Edaran Otoritas Jasa Keuangan (OJK) dan Peraturan Menteri Komunikasi dan Informatika tentang Kerahasiaan, Keutuhan dan Keamanan Data atau Informasi Pribadi Konsumen dan Akibat Hukum Pelanggaran Data Pribadi yaitu diatur dalam Pasal 47 Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 adalah sanksi administratif, lalu terdapat Rancangan Undang-Undang Perlindungan Data Pribadi yang mengatur sanksi pidana.
Sanksi Pidana Bagi Debitur akibat Perbuatan Melawan Hukum Berdasarkan Undang-undang No. 37 Tahun 2004
Serlika Aprita
Indonesian Journal of Criminal Law and Criminology (IJCLC) Vol 3, No 1 (2022): March
Publisher : Universitas Muhammadiyah Yogyakarta
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DOI: 10.18196/ijclc.v3i1.12383
Sejak putusan pernyataan pailit diucapkan dan selama proses kepailitan berlangsung, Debitor telah kehilangan haknya untuk menguasai dan mengurus kekayaannya termasuk diantaranya harta pailit. Namun, dalam praktik pelaksanaannya, masih ada kekurangsempurnaan yang satu diantaranya adalah debitor yang mengajukan pailit telah terlebih dahulu mengalihkan asset-asetnya secara melawan hukum. Pasal 41-49 Undang-Undang Nomor 37 Tahun 2004 tentang Kepailitan dan Penundaan Kewajiban Pembayaran Utang hanya mengatur perbuatan melawan hukum debitor yang dilakukan satu tahun sebelum putusan pailit diucapkan. Jika sampai waktu ditentukan debitor tidak membayar dan melakukan itikad buruk maka hakim pengawas atau kreditor dan pihak lain menyatakan bahwa penundaan pembayaran sesuai ketentuan yang diatur oleh hukum kepailitan berakhir. Hasil penelitian Penulis menunjukkan adanya urgensi untuk merevisi kembali Undang Undang Nomor 37 tahun 2004 dalam penambahan Pasal-Pasal yang berkaitan dengan Pasal-Pasal ketentuan mengenai sanksi pidana, yang akan dikenakan kepada debitor. Dari berbagai Pasal yang diatur dalam UU Nomor 37 tahun 2004 tentang Kepailitan dan Penundaan Kewajiban Pembayaran Utang (PKPU) dan undang-undang kepailitan ini idealnya harus mengikuti perkembangan masyarakat agar tidak terjadi kerancuan dan ketidakpastian dalam rangka untuk menjamin keadilan.
KEWENANGAN PENGADILAN NIAGA DALAM MEMERIKSA DAN MEMUTUS PERKARA PERMOHONAN PERNYATAN PAILIT
Serlika Aprita
Jurnal Hukum Samudra Keadilan Vol 14 No 1 (2019): Jurnal Hukum Samudra Keadilan
Publisher : Fakultas Hukum, Universitas Samudra
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DOI: 10.33059/jhsk.v14i1.1178
Salah satu persoalan yang sangat mendesak dan memerlukan pemecahan saat ini setelah penyempurnaan aturan kepailitan adalah pembentukan Pengadilan Niaga sebagai pengadilan khusus dalam lingkungan Peradilan Umum. Pengadilan Niaga yang pertama dibentuk adalah Pengadilan Niaga Jakarta Pusat, selanjutnya berdasarkan Keputusan Presiden (Keppres) Nomor 97 Tahun 1999 Tentang Pembentukkan Pengadilan Niaga pada Pengadilan Negeri didirikan Pengadilan Niaga di Makassar, Surabaya, Medan, dan Semarang. Dualisme kewenangan mengadili antara Pengadilan Niaga dengan Pengadilan Negeri mengakibatkan timbulnya permasalahan mengenai yurisdiksi mengadili suatu perkara. Permasalahan kekuasaan atau yurisdiksi mengadili timbul disebapkan berbagai faktor satu diantaranya faktor instansi peradilan yang membedakan eksistensi antara peradilan banding dan peradilan kasasi sebagai peradilan yang lebih tinggi (superior court) berhadapan dengan peradilan tingkat pertama (inferior court). Jenis penelitian dalam penulisan jurnal ini adalah penelitian hukum normatif. Dalam rangka pengembangan kompetensi atau wewenang Pengadilan Niaga di era globalisasi, maka diperlukan konsep yang matang untuk mempersiapkan perluasan kompetensi absolut dari Pengadilan Niaga agar Pengadilan Niaga dapat dipercaya dan kredibel di mata pencari keadilan, selain itu pula diperlukam pengakuan atas keberadaan dan eksistensi Pengadilan Niaga dalam hubungannya dengan wewenang yang dimiliki Pengadilan Niaga dalam memeriksa dan memutus permohonan pernyataan pailit melalui adanya pengaturan mengenai kekhususan hukum acara Pengadilan Niaga, dikarenakan hukum acara yang selama ini digunakan dalam pemeriksaan perkara kepailitan di Pengadilan Niaga masih menggunakan ketentuan Herziene Indonesisch Reglement atau Rechreglement Buitengewesten (HIR/R.BG). Untuk memberikan perlindungan hukum yang memadai kepada pihak ketiga (penggugat), yang perkara perdatanya dimenangkan di Pengadilan Negeri perlu dibuat mekanisme hukum acara tentang penghentian eksekusi putusan Pengadilan Negeri sehubungan dengan adanya putusan Pengadilan Niaga yang menyatakan debitor pailit
Peranan Peer to Peer Lending dalam Menyalurkan Pendanaan pada Usaha Kecil dan Menengah
Serlika Aprita Serlika Aprita
Jurnal Hukum Samudra Keadilan Vol 16 No 1 (2021): Jurnal Hukum Samudra Keadilan
Publisher : Fakultas Hukum, Universitas Samudra
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DOI: 10.33059/jhsk.v16i1.3407
Kehadiran Fintech Peer to Peer Lending di Indonesia, berada dalam pengawasan Otoritas Jasa Keuangan. OJK merupakan lembaga independen yang memiliki otoritas untuk mengatur dan mengawasi seluruh kegiatan dalam sektor jasa keuangan di Indonesia. Melalui perannya itu, maka OJK berwenang untuk menutup Fintech yang melanggar atau tidak mengikuti aturan yang telah ditetapkan. Apalagi jika keberadaan Fintech ini malah memberikan dampak negatif terhadap perkembangan UKM. Jenis penelitian yang digunakan adalah penelitian normatif yaitu penelitian hukum yang dilakukan dengan cara meneliti bahan pustaka yang menggunakan objek kajian penulisan berupa pustaka-pustaka yang ada, baik berupa buku-buku, majalah, dan peraturan-peraturan yang mempunyai korelasi pembahasan masalah, sehingga penulisan ini juga bersifat penulisan pustaka (library research). Peran Peer to Peer Lending bagi UKM memberikan dampak positif terhadap perekonomian dan perindustrian. Terutama pertumbuhan terhadap perindustrian mikro di berbagai daerah. Kemudahan teknologi, memberi pencerahan terhadap kesulitan permodalan dalam kegiatan industri
Criminal Elements in Debt Restructuring During The Covid-19 Pandemic: Between Business Continuity and Legal Compliance
Hasanal Mulkan;
Serlika Aprita
LEGAL BRIEF Vol. 11 No. 2 (2022): Law Science and Field
Publisher : IHSA Institute
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The coronavirus (Covid-19) pandemic has hit the world economy, including Indonesia. In addition to direct handling of the epidemic problem, the government is also preparing to anticipate the impact of the economic slowdown caused by the pandemic. The government has issued regulations in relation to the forms of restructuring that can be carried out by banks and national financial institutions with their debtors that open up various alternative patterns of restructuring the settlement of obligations based on POJK No. 11 of 2020. This regulation has the potential to create an imbalance between creditors and debtors. The regulation provides the dominant flexibility for creditors to assess and offer forms of restructuring, so that there is the potential for an imbalance in the form of restructuring between creditors and debtors. The law enforcement scheme has its relevance to Law no. 37 of 2004 concerning Bankruptcy and Suspension of Debt Payment Obligations (UUK and PKPU). Some adjustments are needed so that the law which is intended to restore economic conditions by providing protection to creditors and debtors can find its context with the crisis caused by Covid-19. The results of this study indicate that PKPU is a strategic tool in designing debt restructuring. If the PKPU application is granted and peace is reached between the debtor and his creditors, the debtor concerned can continue his business activities. Some adjustments are needed so that the law which is intended to restore economic conditions by providing protection to creditors and debtors can find its context with the crisis caused by Covid-19. The results of this study indicate that PKPU is a strategic tool in designing debt restructuring. If the PKPU application is granted and peace is reached between the debtor and his creditors, the debtor concerned can continue his business activities. Some adjustments are needed so that the law which is intended to restore economic conditions by providing protection to creditors and debtors can find its context with the crisis caused by Covid-19. The results of this study indicate that PKPU is a strategic tool in designing debt restructuring. If the PKPU application is granted and peace is reached between the debtor and his creditors, the debtor concerned can continue his business activities.
The Role of Curator in Increasing The Asset Recovery Value Through The Bankruptcy Process
Serlika Aprita;
Yonani
LEGAL BRIEF Vol. 11 No. 2 (2022): Law Science and Field
Publisher : IHSA Institute
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Bankruptcy cases in the Commercial Court since 2004 have not shown a significant increase, this is caused by the low asset recovery value which is the responsible of the curator. This condition makes debt settlement through bankruptcy unattractive for the creditors. The research question in this study was does the ratio of the curator's legal liability for errors or negligence result losses for the debtor in the legal process of managing and settling the assets of the bankrupt debtor in supporting the increase of asset recovery in bankruptcy. This research was a prescriptive normative research. The results of the study indicates that the Curator must be responsible for errors and negligences if these are the main causes of the less optimal settlement of bankruptcy documents. From a creditor's perspective, the recovery value is an indicator of the success or failure of the bankruptcy process. If asset recovery is low, creditors only feel that they have won on paper, causing them not to be interested in going through the bankruptcy process to resolve their debt problems. It is expected that the curator in carrying out his duties in managing and settling the assets of the bankrupt debtor can increase the value of the bankruptcy assets as much as possible for the benefit of the debtor and creditors. However, up to now there is still no clarity about the limits of errors and omissions. An adequate legal structure is needed to support the smooth process of bankruptcy asset settlement and legal substance related to the arrangements for the settlement and management of bankrupt debtor assets by the curator that can support the increase of asset recovery in bankruptcy. Thus, it can be seen which legal substances are obstacles so that they can hinder settlement and management of bankrupt debtor asset by the curator.
Peranan Hukum Kepailitan Menghadang Potensi Kepailitan Dalam Industri Keuangan Syariah
Serlika Aprita
Wajah Hukum Vol 5, No 2 (2021): Oktober
Publisher : Universitas Batanghari Jambi
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DOI: 10.33087/wjh.v5i2.606
Dispute resolution in sharia economics can be pursued through litigation. If referring to Article 2 passage (1) of Law No. 37 of 2004 concerning Liquidation and Delay of Obligation Installment Commitments, it is expressed that a debt holder who has at least two lenders and doesn't pay off somewhere around one obligation that is expected and can be If the case alluded to is a sharia monetary chapter 11 case, the court alluded to in this Law is the Strict Court. The exploration technique utilized is standardizing lawful examination. However, along with the growth of ordinary companies and companies that act as financial institutions, both banks and non-banks, the government should respond by providing a special court to resolve commercial cases committed by Islamic companies. Thus, it is necessary that the Commercial Court within the Religious Courts be established in order to fulfill legal certainty, usefulness and elements of justice for corporate legal entities that run their business with sharia principles.