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All Journal Law Research Review Quarterly Batulis Civil Law Review TATOHI: Jurnal Ilmu Hukum SANISA: Jurnal Kreativitas Mahasiswa Hukum Jurnal Dedikasi Hukum Bacarita Law Journal PATTIMURA Law Study Review SASI KANJOLI Business Law Review
Sopamena, Ronald Fadly
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Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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Pemahaman Hukum Perlindungan Konsumen Bagi Pelaku UMKM di Kelurahan Wainitu-Kota Ambon Pariela, Marselo Valentino Geovani; Laturette, Adonia Ivone; Sopamena, Ronald Fadly
Jurnal Dedikasi Hukum Vol. 3 No. 3 (2023): December 2023
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jdh.v3i3.28782

Abstract

Pelaku UMKM di Indonesia belum memiliki pemahaman yang memadai mengenai perlindungan konsumen, sehingga berpotensi menimbulkan kerugian bagi konsumen dan berdampak negatif terhadap keberlangsungan usaha mereka. Oleh karena itu, pemahaman terhadap hukum perlindungan konsumen menjadi elemen penting dalam menjaga eksistensi UMKM di Indonesia. Pengabdian masyarakat ini dilaksanakan di RT 002/04 Kelurahan Wainitu, Kecamatan Nusaniwe, Kota Ambon, dengan tujuan meningkatkan kesadaran dan pemahaman pelaku UMKM dan masyarakat umum mengenai hak dan kewajiban konsumen serta pelaku usaha sebagaimana diatur dalam perundang-undangan. Metode yang digunakan adalah diskusi panel yang diikuti dengan sesi tanya jawab, sehingga memungkinkan interaksi aktif antara peserta dan pemateri. Hasil kegiatan ini diharapkan mampu membekali pelaku UMKM dan konsumen dengan pengetahuan hukum perlindungan konsumen yang relevan, sehingga tercipta hubungan yang lebih harmonis dan saling menguntungkan antara konsumen dan pelaku usaha.   Abstract Understanding of Consumer Protection Law for MSMEs Actors in Wainitu Village, Ambon City.MSME actors in Indonesia do not have an adequate understanding of consumer protection, potentially causing harm to consumers and negatively impacting the sustainability of their businesses. Therefore, an understanding of consumer protection law is an important element in maintaining the existence of MSMEs in Indonesia. This community service was carried out in RT 002/04 Wainitu Village, Nusaniwe Subdistrict, Ambon City, with the aim of increasing awareness and understanding of MSME actors and the general public regarding the rights and obligations of consumers and business actors as regulated in the legislation. The method used was a panel discussion followed by a questio and answer session, allowing for active interaction between participants and presenters. The results of this activity are expected to be able to equip MSME actors and consumers with relevant consumer protection law knowledge, so as to create a more harmonious and mutually beneficial relationship between consumers and business actors.
Validity of Agreements in the Digital era: Study of Electronic Contracts, Cryptocurrencies and Non-Fungible Tokens Sopamena, Ronald Fadly
SASI Volume 28 Issue 3, September 2022
Publisher : Faculty of Law, Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47268/sasi.v28i3.834

Abstract

Introduction: E-commerce transactions that develop, of course, bring changes to agreements that have been carried out conventionally, the digital era has finally brought about a new world called the metaverse with a number of assets in the form of objects such as Non-Fungible Tokens (NFT) and Crypto Currency that only exist in cyberspace.Purposes of the Research: The purpose of this research is to examine how the validity of agreements in the digital era, especially regarding electronic contracts and the purchase of Crypto Currency and NFT from Indonesian law persperctive.Methods of the Research: This research is descriptive analytical with a normative juridical type using primary, secondary and tertiary data from literature studies, both legislation and legal literature and other documents.Results of the Research: Both electronic contracts and electronic signatures used in e-commerce already have a legal basis so that their use is not something that is prohibited. Talking about the validity of an agreement will not be separated from Article 1320 of the Civil Code which requires 4 points that must be fulfilled in order for an agreement to be valid in the eyes of the law. This also applies to buying and selling crypto and NFT. Crypto is actually a currency, not recognized by the state. However, crypto can be traded and recognized as a trading commodity. NFT does not yet have special regulations, but the legal requirements for buying and selling NFT are still met even if the transaction uses crypto.
Digital Banks in Indonesia: Potential and Problems Sopamena, Ronald Fadly; Abubakar, Lastuti; Handayani, Tri
Batulis Civil Law Review Vol 6, No 2 (2025): VOLUME 6 ISSUE 2, JULY 2025
Publisher : Faculty of Law, Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47268/ballrev.v6i2.3045

Abstract

Introduction: Digital Bank based on POJK No.12/POJK.03/2021 Concerning Commercial Banks, is a bank incorporated in Indonesia that provides and carries out business activities mainly through electronic channels without a physical office other than the head office or using limited physical offices. Digital banks are then explained in Article 7B and Article 20A of the PPSK Law stating that both commercial banks and Islamic commercial banks can operate as digital banks. Based on this, the business fields of digital banks are the same as the business fields of commercial banks or Islamic commercial banks. Digital banks are divided into digital banks that are subsidiaries of conventional banks and banks that have been purely digital banks since their inception.Purposes of the Research: Examine the potential of digital banks in supporting the economy and discuss the legal issues faced by digital banks.Methods of the Research: This writing uses a normative legal research method with a statutory approach and a conceptual approach.Results Main Findings of the Research: The results of the study show that in the current era of globalization where technology is not something that is difficult to access, digital banks are here to bring a breath of fresh air to the banking world. Customers will get instant services without having to come directly to the office to get 24-hour banking services. Digital banks have one problem, namely credit distribution carried out through applications or websites which causes credit analysis with the 5C method to not run optimally so that it will increase the ratio of non-performing loans or NPLs. Therefore, digital banks need to prepare a Bank Credit Policy (KPB) that accommodates digital bank credit distribution as part of digital bank risk management as mandated in Article 2 Number 1 of the Financial Services Authority Regulation Number 18/POJK.03/2016 concerning the Implementation of Risk Management for Commercial Banks. The policy must be able to make digital banks able to conduct credit analysis without sacrificing the principle of prudence. The policy can be in the form of a loan limit, tenor or examination of additional documents required so that there is no non-performing loan in the future.
Perlindungan Hukum Bagi Konsumen Atas Produk Makanan Yang tidak Memenuhi Standar Mutu Belassa, Saputra; Pesulima, Theresia Louize; Sopamena, Ronald Fadly
KANJOLI Business Law Review Vol 1 No 2 (2023): Desember 2023 KANJOLI Business Law Review
Publisher : Pusat Kajian Hukum Bisnis Fakultas Hukum Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47268/kanjoli.v1i2.11617

Abstract

Consumer protection is important considering the ever-increasing speed of science and technology. This research aims to examine how legal protection is for consumers for food products that do not meet quality standards and what legal measures can be taken by consumers who experience losses. The type of research used in this writing is normative legal research. By using a statutory approach and a concept approach. Analysis of legal materials uses qualitative methods, namely studies related to legal norms contained in statutory regulations and legal norms that exist in society. The qualitative analysis method is carried out by analyzing legal materials based on concepts, theories, laws and regulations, expert opinions and the author's own views that are relevant to the problem under study, then interpretation is carried out to conclude from this research question. The results of this research conclude that the form of legal protection for consumers in consuming food products based on the UUPK aims to protect consumers and monitor negligent actions on the part of business actors in managing food products, as an effort to empower business actors to be able to maintain the quality of their products, without intending to kill the businesses of business actors. the. The existence of the UUPK provides encouragement for business actors to become smart entrepreneurs and aware of the law in providing quality products. There are two legal remedies that Siwalima Ambon High School students can take as consumers for the losses experienced, namely by litigation legal remedies or legal remedies carried out in court through lawsuits for violations of the business actor and non-litigation legal remedies or legal remedies outside the court which can be resolved by Consumer Dispute Resolution Agency (BPSK) through mediation, arbitration and consolidation forums as regulated in Article 45 paragraphs 1 and 2 UUPK.
Co-Authors Akyuwen, Rory Jeff Balik, Agustina Belassa, Saputra Fadillah, Astuti Nur Heluth, Muttaqien Lastuti Abubakar Laturette, Adonia Ivone Metekohy, Hervian Glen Sandro Pariela, Marselo Valentino Geovani Pesulima, Theresia Louize Rumahlewang, Fruli Sahupala, Gregory Anthonio Sipahutar, Mulia Risky Sopamena, Siska Vilonia Indah Tjoanda, Merry Tri Handayani