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Women's Activities In Anticipation Of The Traps Of Illegal Online Loans In The District Area Of Medan City Sembiring, Idha Aprilyana; Lubis, Tri Murti
Mahadi: Indonesia Journal of Law Vol. 4 No. 01 (2025): Vol. 04 NO. 01 (2025): February Edition 2025
Publisher : Universitas Sumatera Utara

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Abstract

In the digital era, women are becoming more professional in using digital technology including digital financial services. In fact, not all online financial services have a good impact, such as illegal online loans that often harass women and lead to extortion, loan sharking and defamation. It occurs because of the ignorance of the public, especially women, regarding the risks of illegal online loans, both legally and economically. Persuasive effort is needed, through a community service activity held in Medan Kota District and inviting women who live there. Community service is using the Participatory Rural Appraisal method. It began with a pre-test to find out the extent of knowledge of 20 women and 10 government officials about illegal online loans. Lectures and discussions were heldto provide legal knowledge regarding legal and illegal online loans, a discussion of its benefits and legal protections. And ended with a post test to see changes in participants' thoughts about illegal online loans. The results of all tests are the participants gained understanding and enlightenment regarding online loans in general and how to provide legal protection for victims and perpetrators of illegal online loans, so that they can avoid being trapped in illegal online loans.
Regulations and Implementation of the Green Economy in the Development of Green SMEs in North Sumatra Province Putriyanda, Diennissa; Sirait, Ningrum Natasya; Lubis, Tri Murti
Al-Bayyinah Vol. 9 No. 1 (2025): Al-Bayyinah
Publisher : Faculty of Sharia and Islamic Law Institut Agama Islam Negeri Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-bayyinah.v9i1.8676

Abstract

This research analyzes the regulation and implementation of a green economy in the MSME sector in North Sumatra Province in the context of the transition to green MSMEs and efforts to achieve the Sustainable Development Goals (SDGs). This study uses a combination of normative and empirical approaches with data collected through interviews, questionnaires, and literature studies. The findings indicate that North Sumatra Province has not specifically adopted and implemented a green economy for the MSME sector. In the North Sumatra Provincial RPJPD 2025-2045, the implementation of a green economy is still limited to Green Industry. The absence of regulations, the lack of updates on the Regional Action Plan for TPB/SDGs, and the fragmented coordination among key stakeholders, who still do not have a structured collaboration framework, pose the main obstacles. SMEs in North Sumatra Province face various challenges in implementing a green economy, including high investment costs, limited access to resources, the absence of regulations and standards, and a lack of consumer awareness about eco-friendly products. This research recommends that the North Sumatra Provincial Government prioritize the integration of the SDGs into regional development policies, establish regulations that govern coordination among stakeholders, and enhance government and stakeholder support for the green transformation of SMEs through improved access to resources, training, and policy support.
Aspek Hukum Perjanjian Waralaba Bisnis Kopi (Studi Bisnis Franchise di Kota Medan) Elise; Sukarja, Detania; Lubis, Tri Murti
Neoclassical Legal Review: Journal of Law and Contemporary Issues Vol. 2 No. 1 (2023): Neoclassical Legal Review: Journal of Law and Contemporary Issues
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/nlr.v2i1.9828

Abstract

Waralaba menjadi model usaha yang banyak diterapkan pada bisnis terutama bisnis makanan dan minuman. Perjanjian waralaba bisnis kopi merupakan satu dari beberapa jenis waralaba di Indonesia dengan kategori waralaba minuman yang sedang menjadi tren pada masa kini. Perbedaan kepentingan antara penerima dan pemberi waralaba berpotensi mengakibatkan adanya sengketa sehingga perlu adanya penjelasan lebih lanjut mengenai aspek-aspek yang harus dipenuhi dalam suatu perjanjian waralaba bisnis kopi. Metode penelitian yang digunakan dalam artikel ini adalah penelitian hukum normatif dengan meneliti data sekunder dari bahan hukum primer, sekunder dan tersier. Teknik pengumpulan data dilakukan dengan cara studi pustaka. Data yang diperoleh akan dianalisis menggunakan teknik kualitatif. Adapun kesimpulan yang didapatkan adalah pertama, perkembangan bisnis kopi terus mengalami peningkatan baik dari segi produksi, konsumsi, dan jumlah gerai kopi di Indonesia sehingga dibutuhkan ketentuan yang mengatur secara tegas tentang waralaba. Kedua, perjanjian waralaba seperti perjanjian lainnya mempunyai beberapa asas yang melandasinya, unsur-unsur serta hal-hal yang bersifat formal yang harus dipenuhi sesuai dengan ketentuan Undang-Undang yang berlaku.
Efektivitas Penerapan Perubahan Perilaku Oleh Kppu Terhadap Penyalahgunaan Posisi Dominan Dalam Penentuan Layanan Kurir Di Platform Shopee Hutapea, Kathrin; Sirait, Ningrum Natasya; Lubis, Tri Murti
Acta Law Journal Vol. 3 No. 2 (2025): June 2025
Publisher : Talenta Publisher, Universitas Sumatera Utara

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Abstract

Market dominance practices, particularly discriminatory conduct, are prohibited under Article 19 letter d of Law No. 5 of 1999, while the abuse of dominant position is prohibited under Article 25 of the same law. In addressing such violations, the Indonesia Competition Commission (KPPU) issued KPPU Regulation No. 2 of 2023 as a legal framework aimed at resolving business competition disputes more effectively. This study focuses on KPPU Case Decision No. 04/KPPU-I/2024, involving PT Shopee International Indonesia and PT Nusantara Ekspres Kilat, in relation to alleged discriminatory conduct through algorithmic arrangements prioritizing certain delivery service providers. The method employed in this research and writing is normative legal research with a descriptive approach. The data used comprises primary, secondary, and tertiary legal materials. Data collection was carried out through literature review and analyzed using qualitative normative data analysis techniques. The conclusion shows that the reported parties successfully implemented their commitments to behavioral change through a Behavioral Change Integrity Pact, in accordance with the mechanisms outlined in KPPU Regulation No. 2 of 2023. This success marks the first case to have effectively applied the mechanism under the new regulation, demonstrating its effectiveness in encouraging businesses to compete fairly and in accordance with prevailing regulations. It is recommended that KPPU take a more proactive role in disseminating information and educating the Indonesian E-Commerce Association. Furthermore, KPPU must remain consistent in monitoring the implementation of the Behavioral Change Integrity Pact, including regular oversight and evaluation of the Compliance Programs undertaken by the reported parties. These measures aim to enhance business actors understanding and compliance in resolving alleged competition law violations effectively, thereby promoting healthier competition in Indonesia’s e-commerce sector. Kegiatan penguasaan pasar khususnya praktik diskriminasi dilarang dalam Pasal 19 huruf d UU No. 5/1999 dan penyalahgunaan posisi dominan dilarang dalam Pasal 25 UU No. 5/1999. Untuk mengatasi pelanggaran tersebut, KPPU menerbitkan Peraturan KPPU No. 2 Tahun 2023 sebagai kerangka hukum untuk menyelesaikan sengketa persaingan usaha secara lebih efektif. Penelitian ini berfokus pada Penetapan Perkara KPPU No. 04/KPPU-I/2024, yang melibatkan PT Shopee International Indonesia dan PT Nusantara Ekspres Kilat terkait dugaan diskriminasi dalam pengaturan algoritma untuk memprioritaskan layanan jasa pengiriman tertentu. Metode yang digunakan dalam penelitian dan penulisan skripsi ini adalah metode penelitian hukum normatif, yang bersifat deskriptif. Data terdiri dari bahan hukum primer, sekunder, dan tersier. Pengumpulan data dilakukan melalui studi kepustakaan dan dianalisis dengan metode analisis data normatif kualitatif. Kesimpulan skripsi menunjukkan bahwa para terlapor berhasil melaksanakan komitmen perubahan perilaku melalui Pakta Integritas Perubahan Perilaku sesuai dengan mekanisme yang diatur dalam Peraturan KPPU No. 2 Tahun 2023. Keberhasilan ini menjadi kasus pertama yang berhasil menerapkan mekanisme tersebut berdasarkan peraturan terbaru, sekaligus membuktikan efektivitasnya dalam mendorong pelaku usaha untuk bersaing secara sehat dan sesuai regulasi. Disarankan agar KPPU perlu lebih aktif dalam melakukan sosialisasi dan edukasi kepada Asosiasi E-Commerce Indonesia serta harus konsisten dalam mengawasi pelaksanaan Pakta Integritas Perubahan Perilaku, termasuk memantau dan mengevaluasi Program Kepatuhan yang diikuti oleh para Terlapor secara berkala. Langkah ini bertujuan untuk meningkatkan pemahaman dan kepatuhan para pelaku usaha dalam menyelesaikan dugaan pelanggaran persaingan usaha secara efektif, sehingga dapat mendorong persaingan usaha yang lebih sehat di sektor e-commerce di Indonesia.
PERTANGGUNGJAWABAN PENERIMA GADAI ATAS RUSAK ATAU HILANGNYA OBJEK GADAI (STUDI PADA PT. BUDI GADAI INDONESIA JALAN SETIA BUDI KOTA MEDAN Isnaeny, Nurul; Harianto, Dedi; Lubis, Tri Murti
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 3 (2025): August 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i3.4257

Abstract

Abstract:Privatepawnshops are growingrapidly in severalareasof Medan city, pawningis a formofcollateralagreement in whichthepawnbrokersubmitsgoods as collateralfordebttothepawnbroker. In theimplementationofpawningat PT. Budi Gadai Indonesia, sometimesduringthestorageofthecollateralobjectthere are thingsthatcausethecollateraltobedamagedorevenlost, forexampleduetonegligenceonthepartofthepawnbrokerorthecollateralisstoredfortoo long whichcausesthecollateraltobedamaged, orduetotheftor natural disasterswhichresult in thecollateralbeinglost. This study aimstoanalyzethe legal certaintyforthepawnbroker in theeventoflossordamagetothepawnobject, as well as toexaminetheformof legal protectionand legal responsibilityprovidedby PT. Budi Gadai Indonesia. This study is a qualitativenormative legal research. Data issourcedfromprimary, secondaryandtertiary legal materialscollectedusingliterature study anddocument study techniques.  Keyword:Liability, Pledged Object, Damage or Loss  Abstrak: Usahapegadaianswastaberkembangpesat di beberapakawasan kota Medan, gadaimerupakan salah satubentukperjanjianjaminankebendaan di mana pihakpemberigadaimenyerahkanbarangsebagaijaminanatas utang kepadapenerimagadai.Dalampelaksanaangadai di PT. BudiGadai Indonesia adakalanyaselamapenyimpananobjekjaminantersebutada hal-hal yang menyebabkanbarangjaminanrusakataubahkanbarangjaminanhilang, misalnya yang disebabkankelalaian dari pihakpegadaianataubarangjaminandisimpanterlalu lama yang menyebabkanbarangjaminanrusak, ataudisebabkankarenapencurianataubencanaalam yang mengakibatkanbarangjaminanhilang.Penelitianinibertujuanuntukmenganalisiskepastianhukumbagipemberigadaiapabilaterjadikehilanganataukerusakan pada objekgadai, sertamenelaahbentukperlindunganhukum dan tanggungjawabhukum yang di berikan oleh PT. Budi Gadai Indonesia. Penelitianinimerupakanpenelitianhukumyuridisnormatif yang bersifatkualitatif. Data bersumberdaribahanhukum primer, sekunder dan tertier yang dikumpulkandengantehnikstudipustaka dan studidokumen.   Kata kunci: Pertanggungjawaban, Objek Gadai, Kerusakan Atau Kehilangan 
Penyuluhan Hukum tentang Kewajiban Pengungkapan Pemilik Manfaat pada Pengusaha HIPPI Sumatera Utara Lubis, Tri Murti; Robert; Joiverdia Arifiyanto; Purba, Hadyan Yunhas
Milthree Law Journal Vol. 1 No. 2 (2024): Juli
Publisher : PT. Adikara Cipta Aksa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70565/mlj.v1i2.16

Abstract

Pemisahan entitas antara pemilik dan perusahaan sering kali disalahgunakan. Permasalahan utama adalah banyak anggota mitra yang belum mengetahui atau memahami bahwa terdapat berbagai Peraturan Perundang-undangan, mulai dari Undang-Undang, Peraturan Pemerintah, hingga Peraturan Lembaga/Institusi, yang mengatur kewajiban pengungkapan pemilik manfaat (beneficial ownership) suatu badan usaha. Ketidaktahuan ini berpotensi meningkatkan risiko penyalahgunaan badan usaha untuk tujuan ilegal. Universitas Sumatera Utara, sebagai institusi pendidikan yang menjalankan Tridarma Perguruan Tinggi, berencana untuk melaksanakan program pengabdian bekerja sama dengan Himpunan Pengusaha Pribumi Indonesia (HIPPI) DPD Sumatera Utara dalam skema Mono Tahun Reguler. Program ini bertujuan untuk: (1) Meningkatkan pemahaman tentang kewajiban pengungkapan pemilik manfaat (beneficial ownership) pada badan usaha kepada negara, dan (2) Mencapai pemahaman yang lebih baik di kalangan pelaku usaha yang tergabung dalam mitra mengenai tata cara pelaporan pemilik manfaat (beneficial ownership) dari badan usaha mereka kepada negara. Pengabdian ini akan dilaksanakan melalui beberapa tahapan, yaitu: (1) Sosialisasi mengenai peraturan perundang-undangan terkait pengungkapan pemilik manfaat (beneficial ownership) suatu badan usaha; dan (2) Diskusi Terfokus yang membahas tata cara pengungkapan pemilik manfaat (beneficial ownership) suatu badan usaha kepada negara
EMPOWERING THE ‘MINISTER OF FINANCE’: AN EFFORT TO IMPROVE THE FINANCIAL LITERACY OF HOUSEWIVES Nasution, Bismar; Siregar, Mahmul; Sukarja, Detania; Lubis, Tri Murti
ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat Vol. 3 No. 2 (2018): ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (846.723 KB) | DOI: 10.32734/abdimastalenta.v3i2.4045

Abstract

Financial literacy is an important part of financial sector consumer protection. With financial literacy, the community will be able to choose financial products and services that are appropriate to their needs and have the ability to do better financial planning. Data shows that housewives have low financial literacy and, hence, are vulnerable to fraud and scams. Fraud and suspicious fundraising activities are still prevalent in many cities all over Indonesia, including Medan. Training of financial literacy and the legal protection in investment for housewives were designed and implemented to help overcome this issue. The training took place in Medan Selayang and Medan Maimun Districts and aimed to improve housewives’ financial literacy, including on how to manage household money properly and safely so as not to get trapped in bad investment, as well as to educate them about the legal measures that can be taken if they become victims of fraud. The training was conducted using lecture method followed by discussion and consultation. The participants were provided pocket books that were designed to be easily read and understood. Questionnaires were also prepared to measure the knowledge of the participants before and after training. The result of the test shows that the participants’ financial literacy improved after the training.