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The Relevance Of Protectıng Debtor Customer Data And Informatıon Through Bank Secrecy: A Comparatıve Study In Indonesıa, Malaysıa And The Unıted Kıngdom Putriyanti, Erma Defiana; Abdul Rachmad Budiono; Sukarmi, Sukarmi; Reka Dewantara
Asian Journal of Management, Entrepreneurship and Social Science Vol. 4 No. 04 (2024): Upcoming issues, Asian Journal of Management Entrepreneurship and Social Scien
Publisher : Cita Konsultindo Research Center

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Abstract

This research aims to examine and analyse whether the provisions of bank secrecy are still relevant to protect the data and information of debtor customers; and how the bank secrecy rules in Indonesia compare with Malaysia and the UK in protecting debtor customers. This type of research is legal research that uses a statutory approach, conceptual approach and comparative legal approach. The results of this study indicate that protecting debtor customer data and information through bank secrecy rules is relevant. Protection of data and information of all customers is necessary because it is a human right that has been guaranteed in the constitution, besides that personal data has a certain financial value and has become a tradable asset commodity. Debtor customers have an equally important position as depositors, the bank's intermediary function will not run without the activity of channeling funds to debtor customers. Therefore, in special circumstances, debtor customers with current credit collectibility can be considered to be protected in bank secrecy. Malaysia and the UK provide more adequate protection of debtor customer data and information compared to Indonesia, which limits the scope of bank secrets to depositors and their deposits.
Setting the Readiness of Law to Implement Central Bank Digital Currency in Indonesia Suwardiyati, Rumi; Ahmad, Azlin Alisa; Reka Dewantara; Dwi Benny Satria; Ranitya Ganindha
Arena Hukum Vol. 17 No. 3 (2024)
Publisher : Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.arenahukum2024.01703.3

Abstract

The shift in behaviour from conventional to technology-based patterns has led to technological transformation, giving rise to an emerging digital currency: crypto. Crypto assets have great potential to develop financial system inclusion and efficiency while it can pose various risks affecting economic, monetary and financial system stability. The Indonesian government's strategic step to curb the use of cryptocurrencies is to issue Central Bank Digital Currency (CBDC). To date, 109 countries have begun to adopt the use of CBDC. The adoption of CBDC in Indonesia has not yet reached the implementation stage, but is still at the research stage. In line with this, this research aims to examine the readiness of Indonesian law to welcome the enactment of CBDC and to prepare an ideal legal construction in regulating CBDC in Indonesia. This paper employs a normative juridical research method with statutory and comparative approaches. The statutory approach involves examining the norms relating to CBDC, while the comparative approach aims to compare the norms applicable in China and the Bahamas regarding the use of CBDC. The results of this study reveal that the Indonesian government's legal readiness to implement CBDC will begin to enter the experimental stage after the P2SK Law recognises CBDC as a legal payment instrument and BI as the authority authorised to manage CBDC in Indonesia. The results of the comparison with China and the Bahamas show that the determination of the CBDC distribution model and the technology used is an important aspect that needs to be considered in preparing the ideal legal construction because it relates to the technological access capabilities of the community to use CBDC.
The Legal Framework Construction For Regulating Non-Judge Mediators Outside The Court Azahra Hajar Gautama; Reka Dewantara; Hamidi Masykur
YURISDIKSI : Jurnal Wacana Hukum dan Sains Vol. 21 No. 2 (2025): September
Publisher : Faculty of Law, Merdeka University Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55173/yurisdiksi.v21i2.308

Abstract

This thesis discusses the basic legal construction of the regulation of non-judgmental mediators outside the court, with a focus on the incompleteness of the regulations in Articles 4, 11, and 36 of Supreme Court Regulation (Perma) No. 1 of 2016. These provisions do not adequately regulate the position, authority, and responsibilities of non-judgmental mediators, thus creating legal uncertainty and potentially weakening the legitimacy of non-litigation mediation results. This study aims to answer two research problems: (1) the urgency of establishing legal regulations regarding non-judgmental mediators outside the court; and (2) the appropriate basic legal construction for the regulation. The research method used is normative juridical with a statutory, conceptual, and comparative approach. The results of the study indicate that the urgency of establishing new regulations lies in the need to guarantee legal certainty, strengthen the position of mediators, and increase the effectiveness of mediation as an alternative dispute resolution. Based on Gustav Radbruch's theory of legal certainty, the current regulations do not fulfill the principle of legal certainty. Therefore, it is necessary to amend Articles 11 and 36 of Perma No. 1 of 2016, which covers the qualifications, legal status, accreditation, supervision, code of ethics, and accountability of non-judge mediators. This construction is based on Singapore's Mediation Act 2017 and analyzed using Maria Farida's legal theory. This proposal is expected to provide legal certainty and strengthen the non-litigation mediation system in Indonesia.
Legal Position Of Substitute Money As A Preferent Right In Corruption Cases Dewangga Putra Sunartedjo; Yuliati Yuliati; Reka Dewantara
International Journal Of Humanities Education and Social Sciences (IJHESS) Vol 4 No 4 (2025): IJHESS FEBRUARY 2025
Publisher : CV. AFDIFAL MAJU BERKAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55227/ijhess.v4i4.1381

Abstract

Corruption is a form of crime that has a broad impact on the social, economic, and political development of a country. Law enforcement in corruption crimes is not only aimed at imposing sanctions on the perpetrators, but also to recover state losses through replacement money. The purpose of this study is to analyze the legal position of replacement money as a privilege in corruption cases. This type of research is normative juridical (legal research) with a statutory and conceptual approach. The author uses three types of legal materials, namely primary legal materials, secondary legal materials, and tertiary legal materials. The legal material search technique that the author applies is a literature study to find primary legal materials and secondary legal materials as well as expert opinions. The legal material analysis technique used in this study is systematic and grammatical interpretation. The results of the study show that the legal position of substitute money in corruption cases gives priority to recovering state losses over other debts. In Indonesian law, substitute money must be paid by corrupt individuals as part of their punishment, ensuring the state can reclaim lost assets before fulfilling other obligations, such as civil debts. This prioritization, outlined in the Corruption Crime Law (UU Tipikor), reflects the state's commitment to recovering financial losses and deterring future corruption by emphasizing both legal and financial consequences for perpetrators.
Notary's Prudence Duty Effectiveness in Indonesian Financing Deeds: BPRS Rifat Case Salma Nur Azizah; Reka Dewantara; Dewi Iryani
YURISDIKSI : Jurnal Wacana Hukum dan Sains Vol. 22 No. 1 (2026): June in progress
Publisher : Faculty of Law, Merdeka University Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55173/yurisdiksi.v22i1.352

Abstract

Marital property separation agreements are governed by Article 29 of Law Number 1 of 1974 on Marriage and Articles 139–148 of the Indonesian Civil Code, which originally restricted their execution to the period prior to marriage. The issuance of Constitutional Court Decision Number 69/PUU-XIII/2015, however, permits postnuptial amendments with court approval, thereby generating legal uncertainty regarding the legal status of marital assets and inconsistencies in judicial decisions. This study aims to examine the legal status of joint property acquired prior to the amendment of a marital agreement following the Constitutional Court’s decision and to analyze the legal implications of amendments or annulments of marital agreements on the position and distribution of marital property. This research employs a normative juridical method with statutory, conceptual, and case approaches, conducted through library research of primary legal materials, including marriage legislation, the Civil Code, and relevant court decisions, as well as secondary and tertiary legal materials. The data are analyzed qualitatively using a descriptive-analytical approach. The results indicate that marital property acquired prior to the amendment of a marital agreement is subject to prospective application and does not have retroactive effect, thereby maintaining its original legal status in accordance with the principle of legal certainty. Furthermore, the study underscores the necessity of implementing regulations to ensure uniformity in notarial and judicial practices and to promote distributive and corrective justice.