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All Journal Jurnal Pengabdian UntukMu NegeRI Jurnal Indonesia Sosial Sains Journal of New Trends in Sciences Jurnal Hukum dan Sosial Politik
Widi Nugrahaningsih
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Religion Agriculture, Biological Sciences & Forestry Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Immunology & microbiology Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Physics Social Sciences

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Penerapan Perjanjian Jual Beli Dan Web Pemesanan Online Perusahaan Sarung Goyor Botol Dunia Widi Nugrahaningsih; Indah Nofikasari
Jurnal Pengabdian UntukMu NegeRI Vol. 6 No. 2 (2022): Pengabdian Untuk Mu negeRI
Publisher : LPPM UMRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37859/jpumri.v6i2.4164

Abstract

Abstrak Perkembangan ekonomi secara global yang sangat merubah gaya hidup masyarakat, menjadikan pola kegiatan ekonomi masyarakat juga berubah. Masyarakat khususnya mitra membutuhkan suatu payung hukum dalam setiap kegiatan usaha yang dilakukannya. Salah satu payung hukum yang perlu dilakukan yaitu dibuatnya suatu perjanjian pada setiap transaksi jual beli. Disisilain, perkembangan teknologi informasi juga merubah gaya hidup masyarakat saat ini yang lebih memilih kegiatan transaksi secara online karena dinilai lebih praktis. Tujuan kegiatan PKM ini untuk meningkatkan pengetahuan dan keterampilan mitra dalam bidang pembuatan perjanjian jual beli dan keterampilan dalam bidang pengoperasionalan WEB penjualan untuk mendukung pemasaran sarung goyor secara online. Metode kegiatan PKM yaitu terlebih dahulu dilakukan survey lapangan, kemudian memilih penyelesaian permasalahan yang utama yang pertama yaitu memberikan sosialisasi dan pelatihan pembuatan perjanjian, yang kedua menerapkan WEB penjualan dan pelatihan pengoperasionalan WEB penjualan untuk media pemasaran supaya omset mitra semakin meningkat. Hasil dari kegiatan PKM ini, bahwa mitra dapat mengikuti dan menerapkan perjanjian jual beli pada setiap transaksi yang ada, kemudian mitra juga dapat mengoperasikan WEB penjualan sarung goyor, supaya terjadi peningkatan omset dari penjualan melalui media online. Kata Kunci: Perjanjian, Transaksi Online, WEB Penjualan
Perlindungan Bagi Debitur Penerima Fasilitas Kredit Dimasa Pandemi Covid 19 Widi Nugrahaningsih; Indah Wahyu Utami
Jurnal Indonesia Sosial Sains Vol. 2 No. 03 (2021): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v2i03.213

Abstract

Pandemi Covid-19 yang melanda Indonesia saat ini sangat mempengaruhi berbagai aspek kehidupan masyarakat khususnya ekonomi, dampak tersebut sangat dialami oleh seorang debitur dalam melakukan kewajiban permbayaran kredit. Tujuan dari penelitian ini, untuk mengetahui mengenai perlindungan hukum bagi Debitur penerima fasilitas kredit di masa pandemic covid 19. Jenis penelitian yang digunakan yaitu Penelitian hukum Sosiologis atau empiris, serta lokasi penelitian dilakukan di Bank Sinarmas dan Dirjen Perundingan Perdagangan. Teknik Pengumpulan data, yaitu wawancara, dan Studi Pustaka. Pendekatan yang digunakan yaitu pendekatan Kualitatif. Teknik analisa data yang digunakan yaitu, Reduksi Data (Data Reduction), Penyajian Data (Data Display), Penarikan Kesimpulan (Verifikasi). Hasil penelitian yaitu bahwa untuk melindungi debitur penerima fasilitas kredit dimasa pandemic covid-19 ini, pemerintah mengeluarkan kebijakan baik berupa kepres maupun keputusan OJK, sedangkan dari pihak lembaga perbankan, mereka sebagi pihak pelaksana dari kebijakan yang dibut oleh pemerintah. Kesimpulan, pemerintah telah memberikan perlindungan hukum bagi debitur penerima fasilitas kredit, berupa Keputusan Presiden Nomor 12 Tahun 2020 tentang Penetapan Bencana Non-Alam Penyebaran Corona Virus Disease 2019 (Covid-19) Sebagai Bencana Nasional. Dan Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 11 /POJK.03/2020 Tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Di Sease 2019.selanjutnya pihak bank melaksanakan kebijakan tersebut dengan memberikan stimulus bagi debitur.
Implementasi Peraturan Menteri Keuangan Nomor 122 Tahun 2023 Tentang Petunjuk Pelaksanaan Lelang: Studi Kasus KPKNL Surakarta Nurul Itsna Fawzi’ah; Widi Nugrahaningsih; Aris Prio Agus Santoso
Jurnal Hukum dan Sosial Politik Vol. 3 No. 3 (2025): Agustus: Jurnal Hukum dan Sosial Politik
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jhsp-widyakarya.v3i3.5427

Abstract

An auction is an open sales mechanism that provides the public with the opportunity to acquire goods or assets through the highest bid. This process begins with an official announcement and is carried out transparently. In line with the development of information technology and efforts to modernize public services, the Indonesian government issued Minister of Finance Regulation (PMK) Number 122 of 2023 concerning Auction Implementation Guidelines. This regulation aims to update and simplify the auction process with a digital approach to make it more effective, efficient, and reach the wider community. This study aims to analyze the implementation of PMK 122/2023 at the Surakarta State Assets and Auction Service Office (KPKNL) and identify obstacles encountered in its implementation. The research method used is a juridical-empirical with a qualitative approach, where primary data was obtained through interviews with auction officials and related staff at the Surakarta KPKNL, while secondary data was collected from regulations, official documents, and legal literature. The research results show that the implementation of PMK 122/2023 has had a positive impact on improving the quality of auction services through digitalization, such as the implementation of an e-Auction system, the provision of e-Auction Corner facilities, and the use of other information technology to facilitate public access. Based on Soerjono Soekanto's theory of legal implementation, the success of policy implementation is influenced by factors such as legal substance, law enforcement officers, and the legal culture of the community. The Surakarta KPKNL (National Public Service Agency) is considered successful in increasing efficiency, accountability, and service satisfaction to the community. However, obstacles remain in its implementation, such as disputes over ownership of auction objects, resistance to occupants' evictions, and technical and administrative challenges in using online systems. This research recommends the need for inter-agency synergy, strengthening complementary regulations, and public education to support the smooth and sustainable implementation of digital-based auctions.
Implementasi Pasal 32 UU No. 11 Tahun 2008 tentang Perlindungan Data Pribadi dalam Transaksi Fintech Aditya Sulistyo Budhi; Widi Nugrahaningsih; Ety Isworo
Journal of New Trends in Sciences Vol. 3 No. 3 (2025): Journal of New Trends in Sciences
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jnts.v3i3.737

Abstract

The misuse of personal data in financial technology (fintech) services, particularly in peer-to-peer lending practices, is showing a worrying upward trend and is an urgent legal issue that requires addressing. Article 32 of Law Number 11 of 2008 concerning Electronic Information and Transactions (UU ITE) serves as a primary legal basis for protecting electronic data. However, the effective implementation of this article in the context of fintech services still faces various challenges. This study employed an empirical legal approach with a combination of literature study and interviews. Interviews were conducted at the Surakarta Financial Services Authority (OJK) Office and with a number of fintech service users as respondents. The results showed that approximately 70% of personal data misuse cases originated from illegal online lending services. The most frequently reported violations included unauthorized use of data (40%), access to contacts and galleries on personal devices (35%), and threats of personal data dissemination (25%). The main obstacles in implementing Article 32 of the ITE Law include the difficulty of tracking perpetrators' jurisdiction, technical limitations in digital forensics, and low public legal literacy. Therefore, policy integration with Law Number 27 of 2022 concerning Personal Data Protection and the Financial Services Authority (OJK) provisions in POJK No. 77/POJK.01/2016 is necessary. This study recommends strengthening regulations, establishing an independent supervisory authority, increasing public education, and utilizing digital technology to promote more effective personal data protection in the Indonesian fintech ecosystem.
Co-Authors Aditya Sulistyo Budhi Aris Prio Agus Santoso Ety Isworo Indah Nofikasari Indah Wahyu Utami Indah Wahyu Utami Nurul Itsna Fawzi’ah