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Praktik Usaha Fiktif dalam Pengajuan Kredit Usaha Rakyat dan Tantangan Pencegahannya Noviansyah, Arie; Lutfi, Anas; Shebubakar, Arina Novizas
Binamulia Hukum Vol. 14 No. 1 (2025): Binamulia Hukum
Publisher : Fakultas Hukum, Universitas Krisnadwipayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37893/jbh.v14i1.1009

Abstract

Kredit Usaha Rakyat (KUR) merupakan program pembiayaan bersubsidi yang bertujuan untuk mendukung pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) dalam mengakses modal guna meningkatkan produktivitas dan daya saing. Namun, pelaksanaan program ini menghadapi tantangan signifikan berupa praktik penyimpangan hukum, seperti pengajuan usaha fiktif dan manipulasi dokumen, yang berpotensi merugikan lembaga perbankan dan mengancam keberlanjutan program. Penelitian ini bertujuan untuk menganalisis mekanisme penyimpangan hukum dalam pengajuan KUR, mengevaluasi kelemahan dalam sistem pengawasan dan regulasi, serta mengidentifikasi upaya preventif dan penegakan hukum yang dapat diterapkan. Metode penelitian yuridis normatif digunakan dengan pendekatan analisis terhadap peraturan hukum, doktrin, dan prinsip-prinsip yang relevan terkait penyimpangan KUR. Temuan penelitian menunjukkan bahwa lemahnya sistem verifikasi dan pengawasan menjadi celah utama yang dimanfaatkan oleh pelaku usaha fiktif. Hasil kajian ini memberikan rekomendasi untuk memperkuat regulasi, meningkatkan transparansi sistem pengajuan kredit, serta mengoptimalkan penegakan hukum guna meminimalkan risiko penyalahgunaan. Penelitian ini diharapkan dapat memberikan kontribusi pada pengembangan kebijakan KUR yang lebih efektif dalam memberdayakan UMKM secara berkelanjutan.
Pengaruh Hambatan Kerja Sama Instansi Pemerintah: Studi Atas Nota Kesepahaman dan Perjanjian Kerja Sama Yuliana, Risma; Shebubakar, Arina Novizas; Lutfi, Anas
COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat Vol. 5 No. 2 (2025): COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/comserva.v5i2.3167

Abstract

In government institutions, cooperation agreements are formalized through the signing of a Memorandum of Understanding (MoU), followed by a Cooperation Agreement. However, the process of reaching the signing of the MoU and Cooperation Agreement, as well as the implementation of the agreed activities, does not always run smoothly. Several issues and obstacles may arise. This study aims to analyze the impact of obstacles in cooperation within government institutions based on the MoU and Cooperation Agreement. A descriptive qualitative research method was used, with data collected through questionnaires via Google Forms and interviews. The research findings indicate that the main obstacles in cooperation include communication, coordination, human resources, and activity budgeting. Recommended solutions include forming a coordination team, preparing adequate human resources, and planning a more flexible budget. Understanding these obstacles and their impacts is useful for minimizing errors when renewing or initiating new cooperation agreements with other parties, thus ensuring more effective and optimal cooperation implementation.
Tinjauan Yuridis Keberatan Ganti Kerugian Pengadaan Tanah Untuk Kepentingan Umum: Studi Putusan Hakim PN Batang Nomor: 23/ Pdt.G/2023/PN Btg Rinaryanta, Nugroho Dwi; Lutfi, Anas; Sadino, Sadino
COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat Vol. 5 No. 2 (2025): COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/comserva.v5i2.3204

Abstract

Land acquisition or land release for infrastructure development aims to support the improvement of public welfare. However, disputes often arise regarding the amount of compensation paid to landowners. Parties who feel disadvantaged may pursue legal remedies by filing an objection or lawsuit concerning the compensation to the district court. This study aims to examine the juridical aspects of filing objections against compensation by referring to the decision of the Batang District Court, Case No. 23/Pdt.G/2023/PNBtg. The research uses a normative legal method through legislative and case study approaches. The findings show that filing objections to compensation depends on the fulfillment of both formal and material requirements as stipulated in tort claims. These requirements are illustrated in Article 1365 of the Indonesian Civil Code, which plays a key role in regulating the process. Affected communities in land acquisition processes have the right to justice, legal certainty, and legal protection.
Transformasi Status PT Perorangan Ke PT Konvensional dalam Perspektif Hukum Positif dan Fikih Muamalah Cahya, Ayuni Nilam; Lutfi, Anas; Ahmad, Suparji
Tasyri' : Journal of Islamic Law Vol. 4 No. 2 (2025): Tasyri'
Publisher : STAINI Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53038/tsyr.v4i2.386

Abstract

The change in the status of an Individual Limited Liability Company (PT) to a Conventional PT is a response to the need for legal adjustments for Micro and Small Enterprises (MSEs) that are experiencing business growth. This phenomenon emerged with the enactment of the Job Creation Law which provides ease of establishing a single legal entity, but poses new problems in terms of accountability and governance. This research uses a juridical normative approach with an analysis method of applicable laws and regulations and the integration of the principles of jurisprudence such as mas'uliyyah (responsibility), shirkah (business partnership), and maqāṣid al-syarī'ah (sharia goals). The results of the study show that the transformation of the status of a PT has a significant impact on the organizational structure and legal validity of the company, and demands the application of the principles of asset separation and business transparency that are in line with Islamic values. This study concludes that the change of status from an individual PT to a conventional PT is a strategic step that not only strengthens the legal position of business actors in the eyes of the state, but also brings business practices closer to the principles of justice, responsibility, and benefit as taught in Islamic law.
Regulation and Implementation of Green Open Space in Indonesia: Between Policy and Reality (Case Study at JIS Stadium) Arifin, Sada; Sadino, Sadino; Lutfi, Anas
Business Economic, Communication, and Social Sciences Journal (BECOSS) Vol. 7 No. 2 (2025): BECOSS
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/becossjournal.v7i2.13628

Abstract

Green Open Space (RTH) has a vital function in maintaining ecosystem balance, improving air quality, and providing healthy and comfortable public spaces for the community. The role of green spaces is becoming increasingly important in the midst of increasing urbanization and rapid infrastructure development. In Indonesia, the government has established various regulations to ensure the availability of green spaces, including through Law No. 26/2007 on Spatial Planning which requires a minimum of 30% of the total city area to be allocated for green spaces. However, implementation in various regions, including in strategic areas such as the Jakarta International Stadium (JIS), still faces serious challenges. This study uses a juridical normative method to analyze the policy and implementation of the RTH regulation and assess the extent to which the JIS area complies with the regulation. The findings show that despite the existence of a strong legal foundation, the implementation of the RTH policy is still constrained by land conversion for commercial purposes, weak inter-agency coordination, low law enforcement, and minimal public participation in the planning and monitoring process. This study also identifies that the JIS area has not fully fulfilled the proportion of green space according to the stipulated standard. Therefore, concrete steps such as policy revision, strengthening of supervision mechanisms, and collaboration between the government, private sector, and civil society are needed in managing green spaces.
Constitutional Court of Indonesia Decision Number 90 After the MKMK Decision and Its Implementation Pujanegara, Bayu Sukma; Sadino, Sadino; Lutfi, Anas
LEGAL BRIEF Vol. 13 No. 4 (2024): October: Law Science and Field
Publisher : IHSA Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/legal.v13i4.1092

Abstract

This research employs a normative juridical approach with a focus on legislative analysis. It evaluates how formal defects and ethical violations by judges impact legitimacy and public perception. The main findings indicate that these two decisions cast doubt on constitutional compliance and legal validity, highlighting the need for stronger review mechanisms and oversight to uphold the integrity of the Constitutional Court (MK). The purpose of this study is to identify the impact of formal defects and ethical violations by judges in Constitutional Court Decision No. 90 and Constitutional Court Honorary Council (MKMK) Decision No. 2/MKMK/L/11/2023 on constitutional legal principles in Indonesia. The conclusion shows that legal validity, constitutional compliance, finality, and the binding nature of Constitutional Court decisions, along with the integrity and reputation of the Constitutional Court, play significant roles in Indonesia’s constitutional law. It was found that Constitutional Court Decision No. 90 and MKMK Decision No. 2 of 2023, related to formal defects and ethical violations, have a significant impact on the legitimacy and public perception of the constitutional justice system. Although the finality and binding nature of Constitutional Court decisions are fundamental to legal certainty, a review mechanism is needed in certain situations, especially when formal defects or ethical violations occur. Formal defects and ethical violations can erode public trust and pose serious challenges to the dignity of the constitutional judiciary.
Percepatan Pembangunan Jalan Tol Trans Sumatera Seksi Padang-Sicincin Lewat Pendekatan Holistik dan Legal dengan Perjanjian Izin Kompensasi Perubahan Bentuk Lahan Adrian, Defi; Hidayat, Yusup; Lutfi, Anas
UNES Journal of Swara Justisia Vol 7 No 3 (2023): Unes Journal of Swara Justisia (Oktober 2023)
Publisher : Program Magister Ilmu Hukum Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/ujsj.v7i3.387

Abstract

Konflik pembangunan jalan tol Trans Sumatara seksi Padang-Sicincin telah berlarut larut serta menimbulkan permasalahan yang kompleks dan memakan waktu lebih dari 2 (dua) tahun. Penulis yang ditugaskan sebagai Project Manager dari pembangunan jalan tol ini lalu berdiskusi dan mencoba menemukan jalan tengah penyelesaian ini dengan melakukan metode systematic literature review untuk dapat membandingkan permasalahan sejenis pada negara lain. Hasil dari penelitian menunjukan penyelesaian masalah akusisi lahan harus dilakukan dengan pendekatan sistematis dan mempertimbangkan aspek aspek seperti sosial, politik dan hukum secara holistik untuk dapat menemukan solusi yang mampu diterima semua pihak.
Jaminan Goverment Guarantee Dalam Kredit Sindikasi (Sebagai Alternatif Pembiayaan Infrastruktur Jalan Tol) Adhi Saputro, Imanunggal; Lutfi, Anas; Sadino, Sadino
Jurnal Ilmu Hukum, Humaniora dan Politik Vol. 4 No. 1 (2023): (JIHHP) Jurnal Ilmu Hukum, Humaniora dan Politik (November - Desember 2023)
Publisher : Dinasti Review Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jihhp.v4i1.1809

Abstract

The development of an area that has an impact on the community's economy and the fulfillment of the community's basic needs requires the development of road infrastructure that supports the distribution process to run quickly and efficiently. This development is to fulfill the mobility of the community so that they become mutually connected with other regions in order to create acceleration of regional development. The state in meeting the infrastructure needs for the development of the region is expected to be able to improve the surrounding economy and other areas that are connected to the construction of the road infrastructure. Based on the provisions of Law Number 38 of 2004 concerning Roads in Article 43 it states that toll roads are built to facilitate traffic in developing areas, to increase mobility and distribution of basic needs and industrial commodities. Toll roads are one of the infrastructures that are considered effective in meeting the mobility needs of the community. The construction of the toll road is a development project that requires a large amount of money. The government provides funding concessions for Business Entities appointed to carry out the construction of toll roads. One of the financing instruments that can be used by Business Entities in meeting the funding needs for Toll Road development is syndicated bank loans. Syndicated bank loans can be used with a guarantee, one of which is a Government Guarantee or Government Guarantee. The aim of this research is to know and understand the legal standing of government guarantees in syndicated bank loans. The legal theory used is Normative Law Theory to find the truth based on the applicable positive law. This legal research method is empirical juridical based on the school of sociological jurisprudence based on normative law by observing laws and regulations. The results of the study found that syndicated loans are different from single loans in circulation in general. Syndicated credit begins with the stages of offering credit to syndicated participants (participants), giving mandates, memorandum information, meeting prospective debtors to obtain syndicated credit approval, signing the credit agreement and ending with publication. Guarantees on syndicated loans are preferred creditors who have the right to pay off credit first.
Penyertaan Klausul Non-Kompetisi dalam Perjanjian Kerja dari Perspektif Hukum Indonesia Diharianto, Muhammad; Suartini; Lutfi, Anas
Jurnal Ilmu Hukum, Humaniora dan Politik Vol. 5 No. 1 (2024): (JIHHP) Jurnal Ilmu Hukum, Humaniora dan Politik
Publisher : Dinasti Review Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jihhp.v5i1.2991

Abstract

Penelitian ini berjudul “Penyertaan Klausul Non-Kompetisi dalam Perjanjian Kerja dari Perspektif Hukum Indonesia” yang bertujuan untuk mengetahui bagaimana pengaturan mengenai klausul non-kompetisi di dalam perundang-undangan Indonesia dan bagaimana keabsahan dari penyertaan klasul non-kompetisi di dalam perjanjian kerja. Metode penelitian yang digunakan di dalam penulisan ini adalah metode penelitian hukum normatif, yaitu penelitian yang dilakukan dengan cara menganalisis bahan kepustakaan atau bahan sekunder. Sedangkan sumber data dari penelitian ini atau bahan hukum yang digunakan adalah bahan hukum primer yaitu terdiri dari peraturan perundang-undangan, bahan hukum sekunder yaitu buku-buku, jurnal-jurnal, dan pendapat para ahli hukum yang terkait dengan permasalahan di dalam penulisan ini, dan bahan hukum tersier yang berkaitan dengan bahan hukum primer dan sekunder seperti kamus. Meskipun asas kebebasan berkontrak memberikan ruang bagi kebebasan untuk pembuatan perjanjian kerja dengan ketentuan yang disepakati, hal ini tidak berarti bahwa perjanjian dapat melanggar ketentuan hukum yang berlaku karena terdapat syarat-syarat agar sebuah perjanjian tersebut menjadi sah. Klausul non-kompetisi yang tidak sesuai dengan ketentuan hukum positif Indonesia dapat dianggap batal demi hukum.
Dualisme Perhimpunan Pemilik dan Penghuni Satuan Rumah Susun (PPPSRS) dalam Satu Bangunan Rumah Susun (Studi Pada Apartemen Amethyst Tower Kemayoran, Jakarta Pusat) Nugraha, Ryan Martha; Sadino, Sadino; Lutfi, Anas
Sang Pencerah: Jurnal Ilmiah Universitas Muhammadiyah Buton Vol. 9 No. 4 (2023): Sang Pencerah: Jurnal Ilmiah Universitas Muhammadiyah Buton
Publisher : Lembaga Jurnal dan Publikasi Universitas Muhammadiyah Buton

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35326/pencerah.v9i4.4594

Abstract

Pada Apartemen Amethyst Tower Kemayoran, Jakarta Pusat yang sudah memiliki PPPSRS ada masalah dari pengembang sebelumnya yang sudah membangun apartemen sampai dengan 18 lantai dan dilelang kepada pengembang baru untuk melanjutkan pembangunan apartemen sampai dengan lantai 39. Namun beberapa penghuni yang sudah terdaftar di PPPSRS merasa tidak setuju dengan pengembang yang baru, yang akan melakukan pembentukan pengurus kelompok PPPSRS baru yang akan mencakup penghuni dari lantai 1 (Satu) sampai dengan lantai 39 (Tiga Puluh Sembilan). Oleh karenanya ada beberapa masalah seperti Bagaimana mekanisme pembentukan PPPSRS yang diakui dan sesuai dengan perundang-undangan? Bagaimana proses penyelesaian sengketa yang timbul akibat adanya dualisme pengelola dalam satu bangunan rumah susun berbentuk Apartemen? Tujuan penelitian ini ialah analisa proses pembentukan PPPSRS dan penyelesaian sengketa dualisme kelompok PPPSRS dalam satu hunian yang sama. Metode penelitian yang dipakai ialah normatif yuridis dengan data-data open source dan data dokumen penghuni apartemen. Hasil penelitian dan pembahasan, mekanisme pembentukan mekanisme PPPSRS Apartemen Amethyst Tower Kemayoran telah diatur dalam Peraturan Pemerintah Nomor 13 Tahun 2021 tentang Penyelenggaraan Rumah Susun, disebutkan pemilik rumah susun berbentuk apartemen wajib membentuk PPPSRS, yang akan dilakukan dengan melalui beberapa mekanisme pembentukan seperti adanya sosialisasi ke penghuni, melakukan pendataan pemilik atau pendataan penghuni dan melakukan pembentukan panitia musyawarah. Sedangkan jikalau terjadi sengketa atas dualisme pembentukan lembaga PPPSRS Apartemen Amethyst Tower Kemayoran maka, dapat diselesaikan melalui jalur mediasi yang difasilitasi oleh tim penyelesaian permasalahan yang dibentuk oleh Walikota. Namun jikalau mediasi masih belum menemukan kesepakatan maka dapat menempuh penyelesaian sengketa melalui pengadilan.