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Ardhya, Si Ngurah
Universitas Pendidikan Ganesha
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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TINJAUAN YURIDIS TENTANG PENCANTUMAN KLAUSULA EKSONERASI DALAM PERJANJIAN PINJAM MEMINJAM PADA FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER LENDING Riris Nisantika; Si Ngurah Ardhya; Muhamad Jodi Setianto
Jurnal Komunitas Yustisia Vol. 5 No. 3 (2022): November, Jurnal Komunitas Yustisia
Publisher : Program Studi Ilmu Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jatayu.v5i3.51896

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisa terkait bagaimana keabsahan dan akibat hukum yang ditimbulkan dari pencantuman klausula eksonerasi dalam perjanjian pinjam meminjam pada financial technology berbasis peer to peer lending dan Bagaimana seharusnya mitigasi risiko dan tanggung jawab penyelenggara terhadap pemberi pinjaman dalam hal terjadinya pinjaman gagal bayar pada financial technology berbasis peer to peer lending. Jenis penelitian yang digunakan adalah penelitian hukum normatif. Jenis pedekatan yang digunakan adalah Pendekatan Konseptual dan Pendekatan Peraturan Perundang-Undangan. Teknik analisis bahan hukum adalah pengolahan bahan hukum yang diperoleh dari penelitian kepustakaan. Adapun hasil penelitian menunjukan bahwa Adapun keabsahan perjanjian pinjam meminjam pada Fintech berbasi P2P Lending apabila terdapat klausula eksonerasi maka perjajian tersebut dapat batal demi hukum karena bertententangan dengan Pasal 1337 KUH Perdata. Selanjutnya mengenai akibat hukum beberapa aturan seperti Undang Undang Nomor 8 Tahun 1999 Tentang Perlundungan Konsumen memberikan sanksi berupa pidana penjara dan denda, sedangkan menurut POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan adapun akibat hukumnya adalah dengan memberikan sanksi administratif seperti peringatan tertulis, denda, ataupun penutupan usaha. Pengaturan mitigasi risiko Fintech berbasis P2P Lending tercantum dalam BAB V POJK No.77/POJK.01/2016 Dan Mengenai tanggungjawab, dilihat dengan sistem perbankan, penyelenggara P2P Lending tidak jauh beda tugasnya dengan perbankan karena sama sama memperoleh kuasa dari pemberi pinjaman, namun dalam hal tanggungjawab saat berbeda dilapangan. Perbankan akan ikut bertanggungjawab apabila terdapat gagal bayar dengan melakukan penagihan atau sita aset, sedangkan penyelenggara P2P Lending tidak akan ikut bertangungjawab apabila terjadi gagal bayar karena belum adanya aturan yang mengatur hal ini.
PERANAN BPOM KABUPATEN BULELENG DALAM HAL PENGAWASAN OBAT DAN MAKANAN DALAM PERLINDUNGAN KONSUMEN Ida Ayu Kade Novi Handayani; Si Ngurah Ardhya; Ketut Sudiatmaka
Jurnal Ilmu Hukum Sui Generis Vol 3 No 4 (2023): Oktober, Jurnal Ilmu Hukum Sui Generis
Publisher : Universitas Pendidikan Ganesha

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Abstract

This study aims to identify and analyze the role of BPOM Buleleng Regency in supervising drug and food products and the obstacles encountered in supervising drug and food products. In this study, the type of research used is empirical legal research with a descriptive nature that aims to accurately describe individual characteristics, circumstances, determine the spread of a symptom, or determine whether there is a relationship between a symptom and other symptoms in society. The data and data sources used are primary data obtained directly in the field, namely the Pom Workshop, Buleleng Regency, secondary data obtained from the legal foundations related to this research with primary materials containing basic norms, secondary legal materials regarding books related to this research. In data collection techniques using documentation/library study techniques, interview techniques and observation techniques with qualitative processing and analysis techniques. The results of this study indicate that the role of the Pom Loka Buleleng Regency as an organization that is responsible for carrying out rights and obligations as drug and food supervisors in accordance with applicable laws and regulations, then the obstacles encountered by the Buleleng Regency Pom Loka in supervising drugs and food occur due to two factors, namely, internal factors (all-online system) due to limited human resources and lack of participation of law enforcement officials and external factors (lack of consumer understanding of a product in circulation) rampant circulation of illegal products online and low public knowledge and awareness about the dangers of counterfeit products.
IMPLEMENTASI KETENTUAN PASAL 18 UNDANG-UNDANG NOMOR 8 TAHUN 1999 TERKAIT PENCATUMAN KLAUSULA BAKU DALAM PERJANJIAN ASURANSI DI WILAYAH KOTA SINGARAJA Ketut Adi Setiawan; Si Ngurah Ardhya; Muhamad Jodi Setianto
Jurnal Ilmu Hukum Sui Generis Vol 3 No 4 (2023): Oktober, Jurnal Ilmu Hukum Sui Generis
Publisher : Universitas Pendidikan Ganesha

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Abstract

This study aims to find out and analyze the implementation of the provisions of article 18 of Law Number 8 of 1999 regarding the inclusion of Standard Clauses in insurance agreements in Singaraja and the legal consequences of standard clauses that fulfill the prohibited elements of the provisions of Article 18 paragraph (1) of Law Number 8 of 1999 in the insurance agreement in the Singaraja City area. In this study, the type of research used is empirical legal research with the nature of research that is descriptive in nature which aims to accurately describe individual characteristics, circumstances, determine the spread of a symptom, or determine whether there is a relationship between a symptom and other symptoms in society. . The data and data sources used are primary data obtained directly in the field, namely Sun Life Financial Insurance, secondary data obtained from the legal foundations related to this research with primary material containing basic norms, secondary legal material regarding books -books related to this research. In data collection techniques using documentation/library study techniques, interview techniques and observation techniques with qualitative processing and analysis techniques. The results of this study indicate that (1) the Implementation of the provisions of article 18 of Law Number 8 of 1999 Regarding the Inclusion of Standard Clauses in the Sun Life Financial insurance agreement in Singaraja, with the Implementation of the Inclusion of Standard Clauses in the Sun Life Financial Insurance Policy: Policy contents only benefit business actors and the prohibition of Clauses Standards as a form of consumer protection, this inclusion is contained in policy provisions such as the transfer of responsibility for business actors, and entitles business actors to reduce service benefits or reduce consumer assets and the(2) legal consequences of this clause in the Sun Life Financial insurance agreement in the Singaraja City area can be canceled and null and void if a Standard Clause is listed that is prohibited and contradicts Article 18 paragraph (1) of Law Number 8 of 1999.
TINJAUAN YURIDIS MENGENAI KEABSAHAN PERJANJIAN DIBAWAH TANGAN DITINJAU DARI PASAL 1875 KITAB UNDANG-UNDANG HUKUM PERDATA (Studi Putusan Pengadilan Negeri Singaraja Nomor Perkara 462/Pdt.G/2015/PN.Sgr) Ni Kadek Erlina Dinda Putri; Si Ngurah Ardhya; Muhamad Jodi Setianto
Jurnal Ilmu Hukum Sui Generis Vol 3 No 4 (2023): Oktober, Jurnal Ilmu Hukum Sui Generis
Publisher : Universitas Pendidikan Ganesha

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Abstract

This research aims to determine 1) the legal validity of private agreements in cases of default in debt and receivable agreements and 2) the factors that cause default in cases 462/pdt.g/2015/pn.sgr. The type of research that will be used in this writing is normative juridical research. The data source obtained in this research is a secondary data source consisting of primary and secondary legal materials. The research results obtained are 1) the legal validity of private agreements in decision 462/Pdt.G/2015/PN. Sgr, that is, the private agreement is legally valid, where in this case it refers to Article 1875 of the Civil Code, a private writing which is recognized as true by the person who is confronted with it, where in this case the private agreement made is acknowledged by the Plaintiff with evidence in the form of photocopy of the agreement letter under hand made by both parties which has been sufficiently stamped and in accordance with the original and evidence of the facts of the trial from witnesses on behalf of Ketut Suweken and Ketut Sri Diarni who confirmed the agreement, as well as the defendant who did not deny or provide a rebuttal to the plaintiff's claim. proven by the defendant never appearing before the trial. 2) The judge's consideration in Decision 462/Pdt.G/2015/PN.Sgr is that it has explained the reasons for granting the plaintiff's lawsuit in part with verstek which was caused by the defendant's absence from court so that the defendant did not convey his objection to the lawsuit submitted by the plaintiff. As a result of this, it is stated that the defendant legally owes the plaintiff a debt and punishes the plaintiff to pay the debt to the plaintiff with debt compensation of 0.8 percent of the amount of money borrowed and if the defendant is negligent then the activity of selling the collateral will be carried out in public.
PERLINDUNGAN KEPADA PEMEGANG HAK CIPTA SINEMATOGRAFI TERHADAP PEMBAJAKAN FILM MELALUI APLIKASI TELEGRAM BERDASARKAN UNDANG-UNDANG NOMOR 28 TAHUN 2014 TENTANG HAK CIPTA Paulus Revel Gian Raditya Dheasaputra; Si Ngurah Ardhya; Komang Febrinayanti Dantes
Jurnal Ilmu Hukum Sui Generis Vol 3 No 4 (2023): Oktober, Jurnal Ilmu Hukum Sui Generis
Publisher : Universitas Pendidikan Ganesha

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Abstract

This research was prepared with the aim of knowing, analyzing and studying (1) the characteristics of piracy of cinematographic works, (2) law enforcement carried out against perpetrators of piracy of cinematographic works through the telegram application based on Law Number 28 of 2014 concerning Copyright and Singapore Copyright Act 2021, as well as (3) legal protection given to copyright holders against piracy of cinematographic works based on Law Number 28 of 2014 concerning Copyright and the Singapore Copyright Act 2021. In order to answer the problem formulation in this research, a normative legal research method was used, namely Research which was carried out by examining library materials and secondary data regarding analysis from a legal perspective of Law Number 28 of 2014 concerning Copyright and the Singapore Copyright Act 2021. Through this research method, results were obtained (1) that the characteristic of piracy of cinematographic works is the act of copying recording results without permission, as well as distribution to generate personal economic gain. (2) the lack of effective enforcement of the Copyright Law in Indonesia means that piracy is still widespread in Indonesia, and (3) related to the legal protection provided in the form of preventive and repressive measures that have the same set of rules
IMPLEMENTASI PASAL 14 AYAT 3 PERATURAN GUBERNUR BALI NOMOR 1 TAHUN 2020 TENTANG TATA KELOLA MINUMAN FERMENTASI DAN/ATAU DETILASI KHAS BALI TERKAIT PEREDARAN ARAK BALI TANPA LABEL DI KABUPATEN BULELENG Gede Nova Wwahyudi; Si Ngurah Ardhya; Muhamad Jodi Setianto
Jurnal Ilmu Hukum Sui Generis Vol 3 No 4 (2023): Oktober, Jurnal Ilmu Hukum Sui Generis
Publisher : Universitas Pendidikan Ganesha

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Abstract

The purpose of this research is to find out and analyze related to 1) the implementation of Article 14 Paragraph 3 of the Bali Governor's Regulation Number 1 of 2020 concerning the Management of Balinese Fermented and/or Distilled Drinks related to the Distribution of Balinese Arak Without Labels in Buleleng Regency and 2) find out what the consequences are. law against business actors who do not include labels on their product packaging. The type of research used is empirical legal research with descriptive research characteristics. The location of this research was carried out in Buleleng Regency. The data collection techniques used were document study, observation and interviews. The sampling technique used was the Non Probability Sampling technique and the subject determination used the Purposive Sampling technique. Qualitative data processing and analysis techniques. The research results show that 1) The provisions of Article 14 Paragraph 3 of Bali Gubernatorial Regulation No. 1 of 2020 have not been implemented properly. This is reflected in the fact that there are still business actors who do not include labels in accordance with the applicable provisions on their product packaging. The ineffectiveness of these regulations lies in the less than optimal role of the government in terms of outreach to the community and the lack of public legal awareness regarding the existence of Bali Gubernatorial Regulation No. 1 of 2020. 2) Furthermore, the legal consequences for violations of labeling on product packaging can be in the form of administrative sanctions as regulated in Article 61 Republic of Indonesia Government Regulation Number 69 of 1999 concerning Food Labels and Advertisements as well as Article 62 and Article 63 of the UUPK. The administrative sanctions can take the form of confiscation of certain goods, announcement of a judge's decision, payment of compensation, order to stop certain activities that cause consumer losses, obligation to withdraw goods from circulation and revocation of business permits.
PERLINDUNGAN KONSUMEN DALAM UPAYA PENGAJUAN GANTI KERUGIAN ATAS PENIPUAN JUAL BELI PONSEL ILEGAL PADA TRANSAKSI ELEKTRONIK MELALUI E-COMMERCE Ida Bagus Ariadi Rahadita; Si Ngurah Ardhya; Komang Febrinayanti Dantes
Jurnal Ilmu Hukum Sui Generis Vol 3 No 4 (2023): Oktober, Jurnal Ilmu Hukum Sui Generis
Publisher : Universitas Pendidikan Ganesha

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Abstract

This research aims to find out, analyze and examine (1) the legal basis that can be used as a basis for consumer protection in the compensation process (2) legal remedies that consumers can take if compensation is refused. In order to answer the problem formulation in this research, a normative legal research method was used, namely research carried out by examining library materials and secondary data regarding analysis from a legal perspective of Law No. 8 of 1999 concerning Consumer Protection. In relation to the type of research used, namely normative legal research, the approaches used are the statutory approach and the case approach. The technique for collecting legal materials in this research was carried out through literature research techniques, which were carried out to obtain materials and information that were relevant to the case being discussed. (1) that in electronic transactions business actors are obliged to provide correct information regarding goods being bought and sold so that there is no loss to both parties (2) that there is no responsibility by business actors for losses suffered by consumers in accordance with the provisions of Article 27 letter a of the Law -Law No. 8 of 1999 concerning Consumer Protection which is used as the basis for refusing responsibility by business actors.
PERLINDUNGAN KONSUMEN TERHADAP PENGGUNA PINJAMAN ONLINE ILEGAL DI KOTA DENPASAR Oktha Wardi Purba; Si Ngurah Ardhya; Komang Febrinayanti Dantes
Jurnal Ilmu Hukum Sui Generis Vol 3 No 4 (2023): Oktober, Jurnal Ilmu Hukum Sui Generis
Publisher : Universitas Pendidikan Ganesha

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Abstract

This research aims to (1) analyze legal protection for online loan consumers in terms of inappropriate information in advertisements regarding loan interest; and (2) knowing and analyzing the role and function of the OJK in providing consumer protection for illegal online loans in Denpasar City. The type of research in writing this thesis is empirical juridical which is analyzed qualitatively. The data used in this research are primary data and secondary data. Primary data is obtained from the first source, secondary data from primary, secondary and tertiary legal materials. Data collection techniques use interview techniques and document study. Meanwhile, the sampling technique in this research is non-probability sampling, which is purposive sampling. Based on the research results, it was found that (1) consumer protection regarding illegal online loans is carried out preventively and repressively through Law Number 21 of 2011 and business actors are required to pay attention to and implement the provisions of OJK regulation no. 77/POJK.07/2016; (2) The OJK's role in protecting consumers of illegal online loans in Denpasar City is carried out by providing education and literacy to the community, collaborating with the ministry and the Central OJK by forming the SWI SATGAS, updating official fintech lending data, and facilitating the public to send complaints via the website OJK APPK.
PERLINDUNGAN HUKUM BAGI KONSUMEN TERHADAP PEREDARAN KOSMETIK YANG BERBAHAYA (Studi Kasus Badan Pengawas Obat dan Makanan di Buleleng) Lucky Rahul Ferdian; Komang Febrinayanti Dantes; Si Ngurah Ardhya
Jurnal Ilmu Hukum Sui Generis Vol 3 No 4 (2023): Oktober, Jurnal Ilmu Hukum Sui Generis
Publisher : Universitas Pendidikan Ganesha

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Abstract

This study aims to examine and analyze consumer legal protection against the circulation of cosmetics that harm consumers as well as examine and analyze the role and responsibilities of BPOM in order to provide consumer protection for the distribution of cosmetics in Buleleng district. The type of research used is Empirical Legal Research. Data and data sources used are primary data and secondary data. Data collection techniques used are library research, interviews, and field studies. The sampling technique used was purposive sampling. Furthermore, the data obtained was processed and analyzed qualitatively. The results of the study show that preventive and law enforcement measures are taken to protect consumers from dangerous cosmetic products circulating without a distribution permit. These efforts include communication, education, inspection, prosecution, and cooperation with various related parties. In dealing with business actors who sell dangerous products, BPOM takes actions ranging from warnings to more stringent actions such as coaching and courts.
HUKUM INTERNASIONAL SEBAGAI SALAH SATU JENIS HUKUM YANG PENTING ADANYA DALAM SUATU SISTEM HUKUM Made Krishna Dwipayana Aryawan; Komang Febrinayanti Dantes; Si Ngurah Ardhya; Muhamad Jodi Setianto
Ganesha Law Review Vol 4 No 2 (2022): November
Publisher : Program Studi Ilmu Hukum, Jurusan Hukum dan Kewarganegaraan, Fakultas Hukum dan Ilmu Sosial, Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/glr.v4i2.1422

Abstract

This study aimed to determine: (1) The definition of international law, (2) The history of international law, (3) The role of international law in resolving conflicts between countries. The data processing and analysis techniques in this article used a qualitative method with a literature review design. The results of the study indicated that International Law is one type of law that is important in its existence in a legal system. Therefore, we as students majoring in law, need to know the basics of this international law such as knowing the meaning, history and sources of law. In addition, international law is also useful for every country in the world, especially for countries that are experiencing conflict. This international law can be used to solve these problems so that peace between countries can be created.
Co-Authors Aldi Putra, Gede Wahyu Alifia Devi Erfamiati Alouisius Alan Sanjaya Ariawan, Detha Djoni Ariawan, I Wayan Ave Christina Hananda Ayu Sugesti, Chory Beny, I Kadek Berliana Mawarni, Komang Febri Chory Ayu Sugesti Cucumandalin, I Ketut Samuel Dewi, Ni Komang Ayu Purnia Dipadana, Anak Agung Jelantik Prakasa Frisma Indra Prastya, Komang Gede Nova Wwahyudi Gede Nova Wwahyudi Gede Sastrawan Gede Wahyu Aldi Putra Hadi, I Gusti Ayu Apsari Hendri Dewarto Silitonga I Dewa Agung Gede Bagus Trisna Sanjaya I Dewa Gede Herman Yudiawan I Dewa Gede Herman Yudiawan I Gst Made Oka Sedana Yasa I Gusti Ayu Apsari Hadi I Gusti Ayu Ngurah Gayatri Widyani Putri I Kadek Beny I Kadek Tampan Nova Winanda I Made Surya Wahyu Arsadi I Made Yogi Darmawan I Nengah Suastika I Putu Aditya Darma Putra I Putu Kelvin-Ryan Cahya Adhi Winatha I Putu Merta Suadi I Putu Wiadnyana Putra I Putu Windu Mertha Sujana I Wayan Ariawan I Wayan Landrawan I Wayan Pardi Ida Ayu Kade Novi Handayani Ida Ayu Kade Novi Handayani Ida Bagus Ariadi Rahadita Ida Bagus Ariadi Rahadita Kadek Agus Yudistira Mahadi Putra Kadek Briyan Sky Pinandita Kadek Dwi Ayu Lestari Ningsih Kadek Hendra Wirawan Kadek Hendra Wirawan Kadek Kresna Dwipayana Kadek Nova Adistiya Kadek Novi Darmayanti Ketut Adi Setiawan Ketut Adi Setiawan Ketut Nugraha Aditya Pramanda Kiha, Prisella Santji Anatji Komang Deva Jayadi Putra Komang Febri Berliana Mawarni Komang Febrinayanti Dantes Komang Febrinayanti Dantes Komang Frisma Indra Prastya Komang Meru Awatara Putra Dinata Komang Mila Triana Komang Putrayasa Kusuma, Putu Riski Ananda Lucky Rahul Ferdian Lucky Rahul Ferdian M.Si Drs. Ketut Sudiatmaka . Made Dwi Wahyuni Made Krishna Dwipayana Aryawan Made Sugi Hartono Made Vira Sadvika Dewi Made Yogo Puspawan Mami Dina Bedja Dara Mas Adipa Putra, Putu Eka Meilin Loviana Dewi Merta Suadi, I Putu Muhamad Jodi Setianto Muhammad Reza Saputra Ni Kadek Astrina Desiana Ni Kadek Ema Sri Febriyanti Ni Kadek Erlina Dinda Putri Ni Kadek Erlina Dinda Putri Ni Kadek Marhaeni Ni Kadek Sriyulianti Ni Kadek Suci Pratiwi Ni Ketut Sari Adnyani Ni Komang Tia Purnama Sari Ni Luh Dwik Suryacahyani Gunadi Ni Luh Eniasih Ni Luh Putu Pande Wulan Sari Ni Luh Wayan Yasmiati Ni Made Asri Setyawati Ni Made Risma Damayanthi Ni Nyoman Rini Permatasari Ni Putu Rai Yuliartini Ni Wayan Sri Eka Lestari Ningsih, Kadek Dwi Ayu Lestari Oka Sedana Yasa, I Gst Made Oktha Wardi Purba Oktha Wardi Purba Paulus Revel Gian Raditya Dheasaputra Paulus Revel Gian Raditya Dheasaputra Prafitri Sukatma, Suci Putra, I Putu Aditya Darma Putrayasa, Komang Putu Budi Utama Putu Eka Mas Adipa Putra Putu Nanda Putra Utama Wirnatha Wibawa Putu Nirmala Pridayanti Putu Zeva Angelina Ratna Artha Windari Riris Nisantika Sadvika Dewi, Made Vira Saifur Rauf Sang Made Merta Widnyana Saputra, Muhammad Reza Sari, Ni Komang Tia Purnama Sari, Ni Luh Putu Pande Wulan Sastrawan, Gede Si Putu Hendra Pratama Siregar, Anil Refalzey Sky Pinandita, Kadek Briyan Suci Prafitri Sukatma Suci Pratiwi, Ni Kadek Tri Manisha Roitona Pakpahan Varda Oktavia Ramdani Vivi Sandra Wedananta, Putu Rendra Wiadnyana Putra, I Putu Winanda, I Kadek Tampan Nova Windari , Ratna Artha Yeni Yeni Yogo Puspawan, Made Yudistira Mahadi Putra, Kadek Agus Zelda Farah Ardiata