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All Journal JURNAL MAGISTER HUKUM UDAYANA Pandecta IJTIHAD Jurnal Wacana Hukum Islam dan Kemanusiaan FIAT JUSTISIA: Jurnal Ilmu Hukum Arena Hukum Jurnal Hukum Novelty Tadulako Law Review Diponegoro Law Review JURISDICTIE Jurnal Hukum dan Syariah Sriwijaya Law Review Journal of Indonesian Legal Studies Jurnal Penelitian Hukum De Jure Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Substantive Justice International Journal of Law Jurnal Meta-Yuridis JOURNAL OF PRIVATE AND COMMERCIAL LAW Jambura Law Review Abdi Wiralodra : Jurnal Pengabdian Kepada Masyarakat Jurnal Suara Hukum Jurnal Pengabdian kepada Masyarakat Nusantara DEDIKASI PKM LOSARI: Jurnal Pengabdian Kepada Masyarakat AJAD : Jurnal Pengabdian kepada Masyarakat The Prosecutor Law Review Journal of Law and Legal Reform Jurnal Abdimas Contemporary Issues on Interfaith Law and Society Law Research Review Quarterly
Ningsih, Ayup Suran
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The Urgency of Revising the Finance Services Authority Regulation Number 77/POJK.01/2016 As an Umbrella Law in Practicing Peer to Peer Lending Based on Financial Technology in Indonesia Kamal, Ubaidillah; Ningsih, Ayup Suran
Pandecta Research Law Journal Vol 16, No 1 (2021): June
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/pandecta.v16i1.30397

Abstract

ABSTRACTThe presence of Peer to Peer Lending Based on Financial Technology (Fintech) in Indonesia is a real manifestation of a technological advancement. The advantage of technology is its simplicity, but like two sides of a coin, technological advances in financial services also cause polemics and problems. Based on complaints received by the Financial Services Authority, there are 2 things that are often complained about by borrower, it is regarding the unwise use of private data that is used as a way of collecting debt by peer to peer providers and the way they contact borrower for collecting debt. Even though it is considered controversial, the growth of fintech service providers has accelerated to 200%. These are show the urgency that the Financial Services Authority Regulation No.77/POJK.01/2016 requires revision because it is not in suitable with the current development of Fintech. The Financial Services Authority Regulation No.77/ POJK.01/2016 requires revisions regarding the restrictions on access on borrower’s device, it must be only camera, microphone, and location only, no access to contact or gallery, then related to more detailed in regulating the operations of the fintech provider company, and related regulation for the minimum capital for the fintech provider company.Keywords: Peer to Peer; Lending; Fintech; Borrower ABSTRAKHadirnya Peer to Peer Lending Berbasis Financial Technology (Fintech) di Indonesia adalah manifestasi nyata dari sebuah kemajuan teknologi. Keunggulan dari suatu teknologi adalah kemudahannya, namun ibarat 2 sisi mata uang, kemajuan teknologi dibidang jasa keuangan ini juga menimbulkan polemik serta permasalahannya. Berdasarkan pengaduan yang diterima Otoritas Jasa Keuangan terdapat 2 hal yang sering diadukan oleh peminjam, yaitu perihal penggunaan data pribadi peminjam secara tidak bijak dan cara penagihan hutang oleh perusahaan penyedia layanan yang dinilai tidak sesuai ketentuan yang berlaku. Walaupun dinilai kontroversial, namun pertumbuhan perusahaan penyedia layanan fintek melaju sangat pesat sampai 200%. Beberapa hal ini menunjukan urgensi bahwa peraturan otoritas jasa keuangan No.77/POJK.01/2016 memerlukan revisi karena sudah tidak sesuai dengan perkembangan Fintek sekarang ini. Peraturan Otoritas Jasa Keuangan No.77/POJK.01/2016 memerlukan revisi terkait pembatasan akses perusahaan penyedia layanan terhadap gawai dari peminjam, yaitu hanya kamera, mikrofon, dan lokasi saja, tidak ada akses ke kontak maupun galeri, selanjutnya terkait pengaturan yang lebih detail terhadap operasional perusahaan penyedia layanan, dan pengaturan terkait minimum modal bagi perusahaan penyedia layanan.Kata Kunci: peer to peer; lending; fintek; pinjaman
The Urgency of Revising the Finance Services Authority Regulation Number 77/POJK.01/2016 As an Umbrella Law in Practicing Peer to Peer Lending Based on Financial Technology in Indonesia Ubaidillah Kamal; Ayup Suran Ningsih
Pandecta Research Law Journal Vol 16, No 1 (2021): June
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/pandecta.v16i1.30397

Abstract

ABSTRACTThe presence of Peer to Peer Lending Based on Financial Technology (Fintech) in Indonesia is a real manifestation of a technological advancement. The advantage of technology is its simplicity, but like two sides of a coin, technological advances in financial services also cause polemics and problems. Based on complaints received by the Financial Services Authority, there are 2 things that are often complained about by borrower, it is regarding the unwise use of private data that is used as a way of collecting debt by peer to peer providers and the way they contact borrower for collecting debt. Even though it is considered controversial, the growth of fintech service providers has accelerated to 200%. These are show the urgency that the Financial Services Authority Regulation No.77/POJK.01/2016 requires revision because it is not in suitable with the current development of Fintech. The Financial Services Authority Regulation No.77/ POJK.01/2016 requires revisions regarding the restrictions on access on borrower’s device, it must be only camera, microphone, and location only, no access to contact or gallery, then related to more detailed in regulating the operations of the fintech provider company, and related regulation for the minimum capital for the fintech provider company.Keywords: Peer to Peer; Lending; Fintech; Borrower ABSTRAKHadirnya Peer to Peer Lending Berbasis Financial Technology (Fintech) di Indonesia adalah manifestasi nyata dari sebuah kemajuan teknologi. Keunggulan dari suatu teknologi adalah kemudahannya, namun ibarat 2 sisi mata uang, kemajuan teknologi dibidang jasa keuangan ini juga menimbulkan polemik serta permasalahannya. Berdasarkan pengaduan yang diterima Otoritas Jasa Keuangan terdapat 2 hal yang sering diadukan oleh peminjam, yaitu perihal penggunaan data pribadi peminjam secara tidak bijak dan cara penagihan hutang oleh perusahaan penyedia layanan yang dinilai tidak sesuai ketentuan yang berlaku. Walaupun dinilai kontroversial, namun pertumbuhan perusahaan penyedia layanan fintek melaju sangat pesat sampai 200%. Beberapa hal ini menunjukan urgensi bahwa peraturan otoritas jasa keuangan No.77/POJK.01/2016 memerlukan revisi karena sudah tidak sesuai dengan perkembangan Fintek sekarang ini. Peraturan Otoritas Jasa Keuangan No.77/POJK.01/2016 memerlukan revisi terkait pembatasan akses perusahaan penyedia layanan terhadap gawai dari peminjam, yaitu hanya kamera, mikrofon, dan lokasi saja, tidak ada akses ke kontak maupun galeri, selanjutnya terkait pengaturan yang lebih detail terhadap operasional perusahaan penyedia layanan, dan pengaturan terkait minimum modal bagi perusahaan penyedia layanan.Kata Kunci: peer to peer; lending; fintek; pinjaman
Halal Certification Systems: A Comparison Between Indonesia and Turkey Nurul Fibrianti; Aprila Niravita; Sang Ayu Putu Rahayu; Ratih Damayanti; Ayup Suran Ningsih
Pandecta Research Law Journal Vol 18, No 2 (2023): December
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/pandecta.v18i2.48095

Abstract

Ensuring the halal status of a product involves utilizing the services of a halal certification body, offering legal protection and confidence in halal product assurance for Muslim consumers. Indonesia is currently in the process of transitioning the certification authority from the non-governmental organization MUI to the government agency BPJPH under the Ministry of Religious Affairs. The halal certification mechanism through BPJPH closely aligns with the established process carried out by MUI. Similarly, Turkey has established the Halal Accreditation Authority (HAK) to guarantee the legal certainty of halal products, providing accreditation services for halal conformity assessment agencies. This study uses a descriptive method with a comparative approach. Focuses on positive legal nor governing the implementation of halal product between Halal Prodyct Assurance  (JPH) and Halal Accreditation Authority (HAK).  The findings reveal that in order to implement the Halal Product Assurance (JPH) system, the Indonesian government established the Halal Product Assurance Organizing Agency (BPJPH). The establishment of a globally recognized halal certification system and the removal of trade barriers in halal goods and services require the effective execution of responsibilities, as demonstrated by Turkey through the activities of the Halal Accreditation Authority (HAK). Turkey's strategy for ensuring the genuineness of halal products involves the Halal Accreditation Authority, tasked with evaluating, accrediting, and supervising the competence of halal conformity assessment bodies. This procedural framework aligns with both national regulations and international standards, incorporating additional technical regulations specified in the accreditation body's implementation documents.
Development of Integrity Zone Towards Corruption-Free (WBK)/Clean Bureaucracy (WBBM) at Work Unit Law Faculty UNNES Aprila Niravita; Tri Andari Dahlan; Rahayu Fery Anitasari; Andry Setiawan; Ayup Suran Ningsih
Pandecta Research Law Journal Vol 18, No 2 (2023): December
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/pandecta.v18i2.48338

Abstract

Regulation of the Minister of State Apparatus Empowerment and Bureaucratic Reform Number 25 of 2020, which underlines the 2020-2024 Bureaucratic Reform Road Map, guides the government's efforts to realize world-class government. The goal of bureaucratic reform is to achieve three main conditions: a clean and accountable bureaucracy, a capable bureaucracy, and optimal public services. The Faculty of Law at Universitas Negeri Semarang(UNNES) is one of the units committed to achieving high standards of integrity. This requires structuring good governance, optimal public services, and high integrity for all human resources at the Faculty of Law. Therefore, this study aims to examine the readiness of the Faculty of Law in building Integrity Zones, especially in achieving Free from Corruption Areas (WBK) and Clean and Serving Bureaucratic Areas (WBBM). This research uses doctrinal or normative research methods with concept and case approaches. Legal materials are collected through the study of documents and presented systematically following legal issues and research problems. Then it is analyzed qualitatively juridically. The results of the study identify strategies used by the Faculty of Law to build Integrity Zones towards WBK and WBBM. In addition, this study also identifies the strengths and weaknesses of the Faculty of Law in achieving these goals. This in-depth understanding of the readiness of the Faculty of Law in bureaucratic reform is expected to guide improving bureaucratic performance and integrity at the faculty level.
Co-Authors Abu, Roziya Achmad Jerjes Ade Putra Ali Masyhar Alkhair, Rayyan Andry Setiawan, Andry Anitasari, Rahayu Fery Aprila Niravita, Aprila Aprilia Niravita Aurora Alia, Tiara Bin Hassan, Muhammad Sayuti binti Jamil @ Osman, Zuraini Dani Muhtada Dewi Sulistianingsih Dian Latifiani Dina Silvia Puteri Disemadi, Hari Sutra Ekarini, Fitria Elza Aida Putri, Fadilla Erisandi Arditama Fadilah, Galang Fatika Sari, Chika Febriani, Diyah Anggun Fiorentina, Prita Firdausa Hasna, Lubna Hanum, Holy Latifah Hanuma, Holy Latifah Hari Sutra Disemadi Harry Nugroho, Harry Hediyati Maharani, Balqis Hikal Fikri, Muhammad Adymas iin Farlina, iin Indriyani, Widia Indung Wijayanto Irawaty Irawaty Irawaty Irawaty Irawaty Iskandar, Ranu Kamal, Ubaidilah Khoirudin Fathoni, Khoirudin Khomariyah, Maulida Nurul Komariyah, Maulida Nurul Lestari, Endriyani Lestari, Lilis Eka Maharani, Ferra Tiara Moh. Aris Munandar, Moh. Aris Monica Sari, Anis Muchammad Shidqon Prabowo Muchammad Shidqon Prabowo Munawaroha, Eem Novia Wahyu Wardani Novita, Yustina Dhian Nur Hidayat Nur Rizki, Radha Evi Nurul Anggaretno, Setyaning Wida Nurul Fibrianti Nurul Fibrianti Paramita Prananingtyas Parjono, Pudji Prasaja, Regina Celiadi Prasetyo, Kresna Adi Pratama, Iqbal Kend Pratiwi, Endang Prayogo, Bagus Edi PUJI LESTARI Puspa Wardhani, Harumsari Putri Khoirin Nashiroh Putri, Fadilla Elza Aida Rahayu Fery Anitasari Ramli, Asmarani Rasdi Rasdi Rasdi, Rasdi Ratih Damayanti Rini Fidiyani Rini Fidiyani Ristanti, Dina Rokhayatun, Umi Rusyiana, Rusyiana Salsabilla, Selfira Salwa, Adinda Maura Saman, Mohamad Sang Ayu Putu Rahayu Selfira Salsabilla Shidqon Prabowo, Muchammad Sijbat, Sondang Sinta, Dewi Sony Zulfikasari Sugiyono, Tri Suhadi Suhadi Sukrina, Nur Fitri Suprapti, Duhita Driyah Tri Andari Dahlan Ubaidillah Kamal Wardani, Novia Wahyu Wardhani, Harumsari Puspa Waspiah - Wedhatami, Bayangsari Wisnujati, Galih Prapdipto Yohanes Primadiyono, Yohanes