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URGENSI PENGATURAN JAMINAN KREDIT DALAM SEKTOR PEER TO PEER (P2P) LENDING DI INDONESIA Amalia Vanny Shania; Dona Budi Kharisma
Jurnal Privat Law Vol 11, No 2 (2023): JULI - DESEMBER
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v11i2.48947

Abstract

This articles aims to analyse and examine the importance of implementing credit guarantee on peer to peer (p2p) lending mechanism in Indonesia as a form of prevention of Non Perfroming Loan Risk and the ideal type of credit guarantee to be applied on peer to per (p2p) lending mechanism. This research is a normative legal research with a perspective character with a consepual approach. The type of data used is secondary data which includes primary dan secondary legal materials. Meanwhile, the thechnique of collecting data in examining these problems use a literature study technique which is then carried out by technical analysis using the deductive method. The results show that there is urgency for the application of credit guarantee on peer to peer (p2p) lending sector based on 3 important aspects, namely philosophical, juridical, and sociological foundations. The urgency is related to the risk of non performing loan or default by the borrower which must be borne by the the lender. Implementing fiduciary security into peer to peer (p2p) lending mechanism can be an ideal solution to provide protection and legal certainty for lenders while minimizing the potentional risk of non performing loan. 
INTELECTUAL PROPERTY RIGHTS IN THEORY OF ECONOMICS ANALYSIS OF LAW PERSPECTIVE AL Sentot Sudarwanto; Adi Sulistiyono; M. Hudi Asrori S; Arief Suryono; Yudho Taruno Muryanto; Diana Tantri Cahyaningsih; Dona Budi Kharisma
Jurnal Privat Law Vol 11, No 2 (2023): JULI - DESEMBER
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v11i2.77462

Abstract

This article aims to describe the relevance of the protection of intellectual property rights (IPR) in the perspective of the theory of economic analysis of law. The approach used is a historical approach (historical approach) using primary legal materials and secondary legal materials. The data collection technique used is the literature study technique. Based on the research results, it can be concluded that so far the focus of traditional economic analysts has only highlighted that inventors or holders of exclusive IPR are entitled to incentives or rewards for their findings. Apart from that, giving incentives is also to encourage people to make discoveries that are beneficial to human life. However, they did not highlight the high cost of accessing or using their findings. Even the cost of accessing IP exceeds the cost of the production margin of IP itself. In the perspective of the theory of economic analysis of law, the condition of unbalanced margins can cause injustice.
KAJIAN YURIDIS HUBUNGAN HUKUM INDUK PERUSAHAAN BUMN TERHADAP ANAK PERUSAHAAN BUMN DALAM PERSPEKTIF HUKUM PERUSAHAAN Hizkia Bendigo Holanasi S; Dona Budi Kharisma
Jurnal Privat Law Vol 10, No 2 (2022): JULI - DESEMBER
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v10i2.65073

Abstract

Abstract This study aims to determine regulation and problematic that happened about legal relationship between holding company of state owned enterprises to subsidiary company of state owned enterprises which seen from company law perspective. This study is a normative law research which data source is primary legal material, that is regulation that connected with legal relationship between holding company of state owned enterprises to subsidiary company of state owned enterprises and secondary legal materials, that are book, scientific journal, dan articles which contain discussion about legal relationship between holding company of state owned enterprises to subsidiary company of state owned enterprises. This study is analytical descriptive with using the study research technique of collecting legal materials, by using textual law interpretation. Results of this study are there are still legal problematics in legal relationship between holding company of state owned enterprises to subsidiary company of state owned enterprises, that are vacuum of law, conflict of law, and vague of law.Keywords: Legal Relationship; State Owned Enterprises Holding Company; State Owned Enterprises Subsidiary Company    Abstrak Kajian ini bertujuan untuk mengetahui pengaturan serta problematika yang terjadi mengenai hubungan hukum induk perusahaan BUMN terhadap anak perusahaan BUMN yang dilihat dari perspektif hukum perusahaan. Kajian ini merupakan penelitian hukum normatif yang sumber datanya adalah bahan hukum primer, yaitu peraturan yang terkait dengan hubungan hukum induk perusahaan BUMN terhadap anak perusahaan BUMN serta bahan hukum sekunder, yaitu buku, jurnal ilmiah, dan tulisan-tulisan yang berisi pembahasan mengenai hubungan hukum induk perusahaan BUMN terhadap anak perusahaan BUMN. Kajian ini bersifat deskriptif analitis dengan menggunakan teknik pengumpulan bahan hukum studi kepustakaan (study research), dengan menggunakan penafsiran hukum tekstual. Hasil dari kajian ini adalah masih terdapatnya problematika hukum dalam hubungan hukum induk perusahaan BUMN terhadap anak perusahaan BUMN, yaitu berupa kekosongan hukum, pertengangan hukum, dan kekaburan hukum.Kata Kunci: Hubungan Hukum; Induk Perusahaan BUMN; Anak Perusahaan BUMN
Cryptoization and Shadow Currency: Legal Overview of the Importance of Digital Rupiah in Indonesia Adi Sulistiyono; Dona Budi Kharisma
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 | DOI: 10.31941/pj.v23i2.4369

Abstract

Cryptoization in Indonesia can be seen in the number of investors and crypto asset transactions. As of January 2024, the total number of crypto asset investors reached 18.83 million investors. Meanwhile, the total accumulated value of crypto asset transactions throughout 2024 was recorded at IDR 48.82 trillion. Various types and developments in crypto assets trigger shadow currency risks. Shadow currency is a currency function that can be replaced by another form. In this regard, research is needed regarding the relationship between crypto assets as shadow currency in financial stability and the importance of regulating digital rupiah in Indonesia. The approach used is the statute approach. This research will examine various laws and regulations relating to crypto assets, fintech, financial systems and currencies. The research results show that the crypto asset transaction process occurs outside the official monetary system and can develop into a digital currency area outside certain jurisdictions. The materialization of this risk can threaten a country's monetary sovereignty, thus triggering the risk of shadow currency. Therefore, it is recommended that the Digital Rupiah be a Central Bank Digital Currency (CDBC) which is officially implemented in Indonesia. However, there needs to be regulatory and policy support needed so that CBDC can be implemented in Indonesia, one of which is through a revision of the Indonesian Act on Currency.
Human Security Principles in Crowdsourcing Personal Data Dona Budi Kharisma; Agus yudha Hernoko; Prawitra Thalib; Oktafiyana Oktafiyana
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 | DOI: 10.31941/pj.v23i2.4404

Abstract

Personal data protection is fundamental because every individual's privacy is important. This article analyses related principles of human security in the context of processing personal data to ensure the safety of every personal data subject. The result of the paper shows that every effort in processing personal data must based on principles to ensure the fulfillment of human security principles. This article argues that crowdsourcing personal data often carried out in the digital era violates human security principles when impact losses are incurred to man.
Artwork Copyright Legal Protection on Non-Fungible Tokens (NFT) Tuhana Tuhana; Dona Budi Kharisma; Nabilah Khoirunnisa
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 1 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i3.4405

Abstract

The purpose of this legal research is to find out the legal problems in protecting the copyrights of creators of works of art on Non-Fungible Tokens (NFT) and to find out the forms of legal protection for creators’ copyrights of works of art on NFT. The type of research is normative legal research. The approaches used are statute approaches, conceptual approaches, and comparative approaches.  The legal materials used are all regulations regarding copyright that exist in Indonesia and The United States of America (USA). NFT is a copyright protection solution for creators of works of art in the digital era. Indonesia does not yet have a digital copyright act while the USA has a digital copyright act called the Digital Millennium Copyrights Act (DMCA) which is able to protect the copyrights of art creators in NFT.  In Indonesia, it has not yet been regulated regarding the prohibition of the importation of anti-circumvention devices, which has been handled in Chapter 1201 of the DMCA. Then there is also no regulation regarding the deletion of NFT content, which indicates violations in Indonesia, which has been regulated in USA.
Urgency of E-Commerce Act for Consumer Protection (Comparative Study in Indonesia, Singapore, and China) Diana Tantri Cahyaningsih; Dona Budi Kharisma; Goldwina Aphroditerri Agnjana
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 | DOI: 10.31941/pj.v23i2.4430

Abstract

This research aims to discover the problems of regulation of electronic commerce (e-commerce) in Indonesia, Singapore, and China with a focus on Indonesia. This study also intends to construct e-commerce legislation to promote the expansion of the digital economy in many nations. This study focuses on legal research. Comparative and legal approaches are utilized in the study process. The legal documents utilized are e-commerce laws in Indonesia, Singapore, and China. In pandemic era, Indonesian e-commerce transactions had climbed by 50.8% with transactions reaching IDR 401 trillion. However, fraud in online transactions is one of the most reported crimes. As many as 28.7% of cybercrimes originate from fraud. The number of fraud cases, transaction security, and weak protection of personal data consumers are still central issues. The Information and Electronic Transactions Act, as revised by Act Number 19/2016 does not explicitly regulate e-commerce. Compared to Singapore, it has a Casetrust to increase consumer confidence and is supported by the Electronic Transactions Act (ETA).  Personal Data Protection Act 2012 (PDPA). E-commerce Act of the People’s Republic of China is supported by Personal Information Protection Act of the People's Republic of China.  The Act aims to give some legal certainty and predictability to online businesses.
How to Regulate an illegal platform in P2P Lending? (Evidence From Indonesia and Global Approach) Arief Suryono; Dona Budi Kharisma; Agata Wanda Yunitha Purba
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 1 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i3.4444

Abstract

The aim of this studi is: (1) to scrutinize the legal predicaments pertaining to the governance of Peer-to-Peer (P2P) lending in Indonesia, by drawing comparisons with the regulatory frameworks of the United States and the United Kingdom, and (2) to devise the optimal legal mechanism for the regulation of P2P lending transactions. This study employs a normative legal research methodology utilizing comparative and legal approaches to investigate the regulatory frameworks for P2P lending in Indonesia, the United States, and the United Kingdom. The legal materials used in this study solely pertain to P2P lending regulations and were collected using library research techniques. The expansion of P2P lending in Indonesia has been impeded by the widespread prevalence of unlawful P2P lending practices. A comparative evaluation of the regulatory structures of the United States and the United Kingdom highlights that the insufficiency of regulatory measures has played a role in aggravating this issue. The UK's well-structured and comprehensive regulations, which provide robust protections, are worth emulating and implementing, especially considering that P2P lending in the UK is successful and dominates the European economic market. Meanwhile, the strict information disclosure and platform registration rules implemented in P2P lending in the United States are essential regulatory factors that the OJK should consider in its supervision of P2P lending in Indonesia.