Article Per Year (5 Year)
p-Index From 2021 - 2026
2.906
P-Index
This Author published in this journals
All Journal DOKTRINA: JOURNAL OF LAW SIASAT Journal Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Hukum Kaidah: Media Komunikasi dan Informasi Hukum dan Masyarakat Jurnal Derma Pengabdian Dosen Perguruan Tinggi (Jurnal DEPUTI) Jurnal NORMATIF
Sipahutar, Ervina Sari
Program Studi Hukum, Fakultas Hukum, Universitas Al Azhar Medan
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Energy Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mechanical Engineering Social Sciences

Published : 22 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Principles of Credit Analysis in BUMN/BUMD Banks in Indonesia Indra Gunawan Purba; Warsiman Warsiman; Ervina Sari Sipahutar
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 3, No 4 (2020): Budapest International Research and Critics Institute November
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v3i4.1454

Abstract

The bank's business activities must be carried out in a more administrative nature and prioritize procedural aspects. BUMN / BUMD banks in providing credit to prospective debtors must follow the standards and standard mechanisms that apply within the bank itself or the Standard Operational Procedure (SOP), for that it is then required to comply with standards to arrive at a credit decision. The bank functions as a financial intermediary (intermediary financial) between parties with excess funds (surplus of funds) and parties requiring funds (deficit of funds). The main function of the bank is to mobilize public funds appropriately and quickly channel them to effective and efficient use or investment. A function like this is a "blood flow" for the economy and an increase in the standard of living. Without trust, this function will not work. Credit assessment is an activity carried out by credit analysts to assess whether credit to be given to debtors can be carried out. Assessment for consumptive credit is based only on the amount of salary earned in installments plus interest and the maximum will be determined at the amount of income.
Legal Analysis of the Crime of Skimming in Indonesia According to the Electronic Information and Transactions Law (ITE) Number 11 of 2008 concerning Information and Electronic Transactions Ervina Sari Sipahutar; Indra Gunawan Purba; Anjani Sipahutar
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 2 (2022): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i2.4696

Abstract

Crime in cyberspace presents new and serious problems on an international scale and is very complex in efforts to empower the law to deal with them. Economic crimes including Automatic Teller Machine (ATM) cards and theft of money are the second problem that is very worrying for the banking world, especially those committed by Asia. The legal situation in Indonesia, in particular, the laws and regulations made in the last twenty-five years is very easy to swallow. Objectively, this happens because changes in society in the political, economic, social, and cultural fields are going so fast, so that the law is easily left behind. Subjectively, various laws and regulations are made to overcome instant situations, so they pay less attention to insight. In reality, cyber activities (virtual world or the internet), are no longer simple, but quite complicated, because their activities are no longer limited by the territory of a country, which can be easily accessed anytime and from anywhere. Losses can occur, both to the perpetrator of the transaction and to other people who have never made a transaction, for example, the theft of bank customer funds through skimmer mode (procurement of Automated Teller Machines or so-called ATM cards). Advances in information technology that became the beginning of the existence of cybercrime, can legally have an impact on the law, which regulates this matter. Crimes like this can be categorized as acts of theft / fraud contained in the Criminal Code (KUHP) and Law no. 11 of 2008 concerning Information and Electronic Transactions, hereinafter referred to as UU ITE. Anyone in the city or village who already has an Automatic Teller Machine (ATM), especially in a big city, must have at least one plastic card with magnetic tape, which is often called an Automatic Teller Machine (ATM) card.
Co-Authors Amalia, Apri Anjani Sipahutar Anjani Sipahutar Eka Umi Kalsum Erikson Napitupulu Fitri, Li’idil Fitriani Fitriani Humaira, Rafiqah indra gunawan purba Indra Gunawan Purba Irwansyah Tanjung Jarnawi Hadi Saputra Maswita, Maswita Muhammad Agus Muljanto NASUTION, ATIKA AINI Nuraida Nuraida Nuraida Prinsi Rigitta Ramadhan, Andri Siregar, Roswani Solly Aryza Surbakti, Syamsul Bahri Syamsiar, Syamsiar Umi Kalsum, Eka Umi Khairiah Warsiman Warsiman Warsiman Warsiman Warsiman Warsiman