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All Journal Petitum Anoa: Journal of Animal Husbandry Estudiante Law Journal
Aswar, Asrul
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Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Immunology & microbiology Law, Crime, Criminology & Criminal Justice Social Sciences Veterinary

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PERJANJIAN KREDIT DITINJAU DARI HUKUM PERDATA Aswar, Asrul
PETITUM Vol 4 No 2 Oktober (2016): PETITUM
Publisher : Magister Ilmu Hukum Universitas Indonesia Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1382.095 KB)

Abstract

Penelitian ini berjudul Tinjauan Hukum Perlindungan Konsumen Terhadap Perjanjian Kredit Bank. Tujuan penelitian ini yang pertama: untuk mengetahui dan memahami klausula eksonerasi dalam perjanjian kredit bank yang bertentangan dengan Undang Undang Perlindungan Konsumen: kedua Untuk dapat mengetahui sejauh mana upaya hokum perlindungan konsumen terkait dengan klausula eksonerasi perjanjian kredit bank. Hasil penelitian: pertama: Ketentuan manakah dalam klausula eksonerasi dalam perjanjian kredit bank yang bertentangan dengan Undang Undang Perlindungan Konsumen, yaitu Perjanjian kredit bank merupakan perjanjian sepihak oleh bank, nasabah tinggal menandatangani dokumen/formulir yang sudah dibuat dan dirancang formatnya oleh bank. Yang mana didalam perjanjian kredit bank tersebut terdapat klausula-klausula yang memberatkan konsumen. Serta terdapat klausula eksonerasi yang mana didalamnya pihak bank membebaskanhewajibannya atau menghapus sama sekali kewajibannya. Dan klausula-klausula baku perjanjian kredit bank yang bertentangan dengan Undang- Undang Perlindungan Konsumen khususnya pada Pasal 18 yang memuat larangan terhadap larangan klausula baku atau klausula eksonerasi tersebut. Pengawasan dan penegakan hukum terhadap pelanggaran klausula baku sebagaimana diatur dalam undang-undang perfindungan konsumen juga sampai sekarang belum dilaksanakan, Kedua: Upaya Hukm bagaimanakah yang dapat dilakukan untuk melindungi konsumen terkait dengan klausula eksonierasi dalam perjanian kredit bank tersebut, Upaya Hukum Perindungan Konsumen Terkait dengan Klausula Eksonerasi Peranian Kredit Bank selain dapat dilakukan melalui penerapan Pasal 18 Undang Undang No 8 Tahun 1999 tentang Perlindungan Konsumen juga dapat dilakukan sesual dergan kebijakan Bank ndonesia Yang mana Bank indonesia meningkatkan perindungan terada kepentingan nasabahalam barhubungn dengan bank. Bank indonesia lelah menetapkan upuya pertindungan naisabah sebagai salah satu pilar dalam Arsitetur Perbankan indonesia (API) dan masyarakat itu harus tetap terjaga. Serta Keberadaan independen ini akan memberikan manfaat baik bagi nasabah maupun bark khususya dalam perjanjian kredit bank di Indonesia.
PERLINDUNGAN KONSUMEN TERHADAP PERJANJIAN KREDIT PERBANKAN Aswar, Asrul; Mery, Lisa
PETITUM Vol 6 No 1 April (2018): PETITUM
Publisher : Magister Ilmu Hukum Universitas Indonesia Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (337.468 KB) | DOI: 10.1234/jh.v6i1 April.635

Abstract

Penelitian ini betujuan, pertama: untuk mengetahui dan memahami klausula eksonerasi dalam perjanjian kredit bank yang bertentangan dengan Undang-Undang Perlindungan Konsumen; kedua Untuk dapat mengetahui sejauh mana upaya hokum perlindungan konsumen terkait dengan klausula eksonerasi perjanjian kredit bank. Hasil penelitian: pertama; Ketentuan manakah dalam klausula eksonerasi dalam perjanjian kredit bank yang bertentangan dengan Undang-Undang Perlindungan Konsumen, yaitu Perjanjian kredit bank merupakan perjanjian sepihak oleh bank, nasabah tinggal menandatangani dokumen/formulir yang sudah dibuat dan dirancang formatnya oleh bank. Kedua: Upaya Hukum bagaimanakah yang dapat dilakukan untuk melindungi konsumen terkait dengan klausula eksonerasi dalam perjanjian kredit bank tersebut, Upaya Hukum Perlindungan Konsumen Terkait dengan Klausula Eksonerasi Perjanjian Kredit Bank selain dapat dilakukan melalui penerapan Pasal 18 Undang ? Undang No. 8 Tahun 1999 tentang Perlindungan Konsumen juga dapat dilakukan sesuai dengan kebijakan Bank Indonesia This study aims, first: to find out and understand the exoneration clause in a bank credit agreement that is contrary to the Consumer Protection Act; second To be able to find out the extent to which consumer protection law is related to the exoneration clause of a bank credit agreement. Research results: first; Which provisions in the exoneration clause in a bank credit agreement that conflicts with the Consumer Protection Act, namely a bank credit agreement is a one-sided agreement by the bank, the customer only needs to sign documents / forms that have been made and designed in a format by the bank. Second: What legal remedies can be done to protect consumers related to the exoneration clause in the bank credit agreement, Consumer Protection Legal Efforts Related to the Bank Credit Agreement Exoneration Clause in addition to being made through the application of Article 18 of Law No. 8 of 1999 concerning Consumer Protection can also be carried out in accordance with Bank Indonesia policy.
Manajemen Pakan dan Pemenuhan Nutrisi pada Anoa Gunung (Bubalus Quarlesi) di Citra Satwa Celebes Hidayat, Bahrul; Amrullah, Syarif Hidayat; Aswar, Asrul
Anoa: Journal of Animal Husbandry Vol 4 No 1 (2025): Februari
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/anoa.v4i1.54283

Abstract

Anoa (Bubalus sp.) is an endemic animal from Sulawesi whose sustainability is threatened. Animal feed in the form of green fodder is very important for the health of anoa, but its utilization is constrained by dry land. Feed is divided into natural feed that is available directly in nature and artificial feed processed from a mixture of natural ingredients. This study aims to observe the type of feed, feed management, providing nutrition, and daily behavior of anoa at the Citra Satwa Celebes Zoo, as part of an effort to conserve this ex-situ species. The method used is a qualitative descriptive method. Anoa are given a variety of feed, including para grass, elephant grass, kale and tofu dregs, to meet the needs of fiber, protein, vitamins, and minerals in captivity. Feed management is carried out twice a day; tofu dregs which are rich in protein are given in the morning, while green grass is given in the afternoon to support digestion. The results of observations show that the feed given has met the basic nutritional needs of anoa with a protein content of 8.5% and crude fiber of 28%. The daily activity pattern of anoa is biphasic, with the main activities being feeding, walking, and resting in the morning and evening. These findings suggest that proper feeding management can support the physical health and psychological well-being of anoa in captive environments, and contribute to the success of conservation programs for this species.
Legal Sanctions in Environmental Crimes: Between Effectiveness and Obstacles Bahutala, Andris E.; Aswar, Asrul
Estudiante Law Journal VOL. 7 No. 2 JUNE 2025
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33756/eslaj.v7i2.31634

Abstract

The purpose of this paper is to evaluate the effectiveness of the application of criminal sanctions based on Law No. 32 of 2009 concerning Environmental Protection and Management and to identify the obstacles to its implementation in the context of environmental law enforcement in Indonesia. The writing method uses a juridical-normative approach to the study of laws and regulations and a qualitative approach through case studies of environmental court decisions and interviews with law enforcement officers. The analysis and discussion focus on the form of criminal sanctions (imprisonment and fines), the principle of ultimum remedium, the still limited deterrent effect, as well as technical obstacles to proof, coordination between agencies, and low public awareness and participation. Based on these findings, the conclusion states that although the legal framework for environmental criminal sanctions is comprehensive, its effectiveness is still hampered by institutional and procedural aspects; therefore, recommendations are directed at strengthening the technical capacity of officers, harmonizing regulations, and increasing collaboration between agencies and public education so that criminal sanctions can function optimally as an instrument for preventing and eradicating environmental crimes.
Co-Authors Bahutala, Andris E. Hidayat, Bahrul Lisa Mery, Lisa Syarif Hidayat Amrullah