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Fintech Sebagai Inovasi Keuangan Digital: Tantangan Menghadapi Wanprestasi Borrower Akibat Pandemi Covid-19 Taniady, Vicko
Seminar Nasional Hukum Universitas Negeri Semarang Vol. 6 No. 1 (2020): Dinamika Hukum dan HAM di Era Pandemi Covid: Simposium Nasional Hukum
Publisher : Fakultas Hukum Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/snhunnes.v6i1.545

Abstract

Pesatnya perkembangan teknologi di Indonesia membawa perubahan yang signifikan terkhusus dalam sektor perekonomian. Kehadiran Fintech merupakan terobosan baru di era digital saat ini yang mengkombinasikan antara teknologi dan keuangan. Perkembangan perusahaan Fintech di Indonesia yang terdaftar/berizin di Otoritas Jasa Keuangan (OJK) pada 30 Juni 2020 telah mencapai 158 perusahaan. Salah satu layanan Fintech adalah Fintech Lending yang mengoperasikan layanan pinjam meminjam dengan cara yang mudah, cepat dan efisein. Namun, perusahaan Fintech pada saat ini harus menghadapi tantangan atas hadirnya pandemi COVID-19. Kehadiran COVID-19 membuat semakin meningkatnya angka tingkat wanprestasi yang dilakukan oleh Borrower. Permasalahan tersebut menjadi sebuah permasalahan bagi perusahaan Fintech di Indonesia. Tujuan penelitian ini adalah untuk menemukan kerangka hukum Fintech di Indonesia dalam menjawab tantangan wanprestasi akibat pandemi COVID-19 serta menemukan strategi dalam mengatasi permasalahan wanprestasi oleh Borrower. Adapun metode penelitian yang digunakan dalam mengkaji permasalahan tersebut adalah hukum normatif yang mengunakan data sekunder. Hasil penelitian ini menunjukkan perlu adanya mediasi antara perusahaan Fintech dengan Borrower dalam mengatasi wanprestasi ditengah pandemic COVID-19. Disamping itu, perlu adanya pembentukan Komite Nasional Fintech (KNF) sebagai departemen pengawasan, perkembangan serta penasehat Fintech di Indonesia.
Reformulasi Beban Pembuktian Terbalik Berlandaskan Asas Presumption of Guilt Terhadap Kasus TPPU di Indonesia Taniady, Vicko; Riwayanti, Novi Wahyu
Ikatan Penulis Mahasiswa Hukum Indonesia Law Journal Vol 1 No 2 (2021): IPMHI Law Journal, July-December 2021
Publisher : Universitas Negeri Semarang in collaboration with Ikatan Penulis Mahasiswa Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/ipmhi.v1i2.53702

Abstract

Tindak Pidana Pencucian Uang (TPPU) sebagai tindak pidana transnasional membawa dampak kerugian terhadap negara yang sangat besar. Salah satu kebijakan untuk meminta pertanggungjawaban terhadap terdakwa adalah menggunakan beban pembuktian terbalik. Tujuan penelitian ini adalah untuk mengkaji mekanisme beban pembuktian terbalik yang saat ini berlaku, serta menganalisis untuk melakukan reformulasi beban pembuktian terbalik berlandaskan asas presumption of guilt. Metode penelitian yang digunakan adalah hukum normatif, dengan pendekatan peraturan perundang-undangan (statute approach) dan kasus (case approach), serta menggunakan teknik studi pustaka dalam mengolah data sekunder. Hasil penelitian ini menunjukkan Pola beban pembuktian terbalik pada UU TPPU masih mengalami problematika terkhusus dalam hal asset recovery. Selain itu, mekanisme beban pembuktian terbalik dalam UU TPPU belum mengatur prosedur terkait beracaranya atau setidak-tidaknya terkait mengatur konsekuensi dari pembuktian terbalik tersebut. Melihat hal tersebut, penerapan beban pembuktian terbalik berlandaskan asas presumption of guilt dalam kasus TPPU menjadi urgensi yang harus dilakukan. Beban pembuktian terbalik berlandaskan asas presumption of guilt akan menggunakan dua metode yakni criminal forfeiture dan civil forfeiture, sehingga mampu lebih optimal dalam melakukan asset recovery. Adanya asas beban pembuktian terbalik yang berlandaskan asas presumption of guilt diharapkan mampu untuk meminimalisir kesulitan dalam mekanisme pembuktian TPPU.
The Problem of Filing for Bankruptcy in Indonesian Law: Should the Insolvency Test Mechanism be Applied? Fahamsyah, Ermanto; Taniady, Vicko; Saputra, Ramadhan Dwi; Rachim, Kania Venisa; Wijaya, Glenn
Volksgeist: Jurnal Ilmu Hukum dan Konstitusi Vol. 7 Issue 1 (2024) Volksgeist: Jurnal Ilmu Hukum Dan Konstitusi
Publisher : Faculty of Sharia, Universitas Islam Negeri (UIN) Profesor Kiai Haji Saifuddin Zuhri Purwokerto, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/volksgeist.v7i1.10079

Abstract

The resolution of bankruptcy disputes in Indonesia presents significant challenges due to the ease with which bankruptcy can be filed against debtors, even if they are capable of continuing their business operations and repaying their debts to creditors. This issue arises from the provisions of Article 2, paragraph (1) of Law 37/2004, which stipulate only two requirements for declaring bankruptcy: the existence of a past due debt and the presence of at least two creditors. This paper aims to examine the problems associated with bankruptcy dispute resolution in Indonesia and to propose the implementation of an insolvency test mechanism as a prerequisite before a Commercial Court judge can issue a bankruptcy ruling. Additionally, the study offers a comparative analysis of the insolvency test mechanisms employed in several countries, including the Netherlands, Germany, the United States, and the United Kingdom. Utilizing a doctrinal approach, this legal research analyzes primary and secondary literature by reviewing laws and regulations pertinent to the issues at hand. The findings of this study suggest that adopting an insolvency test is a crucial policy for the bankruptcy law framework in Indonesia. The implementation of such a test could prevent the bankruptcy of debtors who are still capable of fulfilling their financial obligations. Consequently, there is a need to revise Law 37/2004 to incorporate a legal instrument for the insolvency test.
Permanent Sovereignty vs. International Obligations Simbolon, Putu George Matthew; Yusro, Mochammad Abizar; Taniady, Vicko
Lentera Hukum Vol 11 No 2 (2024): LENTERA HUKUM
Publisher : University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejlh.v11i2.43342

Abstract

This research analyses Indonesia's policies related to downstreaming and restrictions on raw nickel exports that have caused international debate, especially the European Union which complained against Indonesia to the World Trade Organization (WTO) in Dispute Settlement 592 (DS-592). The study explores Indonesia's position as a WTO member that is being questioned for its policy of banning nickel ore exports to the European Union, and examines the DS-592 ruling in relation to the permanent sovereignty debate. This article uses a normative juridical method with doctrinal, comparative, and case approaches. The results show that Indonesia has permanent sovereignty over its nickel ore guaranteed by UN Resolution 1803. Therefore, Indonesia must exercise this sovereignty with due regard to international obligations. Indonesia should learn from China's export regulations as it prioritises export restriction policies rather than export bans. By applying China's approach, Indonesia can prevent the problems that occurred in DS 592. However, a series of nickel downstream policies implemented by Indonesia have violated the provisions of the WTO Agreement. This article also explains that the vacuum of the Appellate Body does not negate the EU's authority to retaliate against Indonesia. This article concludes that Indonesia must implement a policy determining the percentage of downstream nickel ore, as well as nickel ore that will be exported. This conclusion has resulted in the theoretical idea that no sovereignty can be exercised in violation of the country's international obligations. Thus, each country must be able to establish policies that can balance national interests with international obligations. KEYWORDS: Export Restrictions, International Obligations, Nickel Ore, Soverignty, WTO.
Rekonseptualisasi Pembentukan Pengadilan Agraria di Indonesia: Upaya Perlindungan Hak Warga Negara Atas Tanah Rachim, Kania Venisa; Taniady, Vicko; Saputra, Ramadhan Dwi
Journal of Studia Legalia Vol. 3 No. 02 (2022): Journal Of Studia Legalia
Publisher : FKPH Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61084/jsl.v3i02.30

Abstract

Polemik penyelesaian sengketa pertanahan di Indonesia menjadi permasalahan serius. Banyaknya jalur penyelesaian sengketa pertanahan mengakibatkan kerap terjadinya putusan yang tumpang tindih, lamanya proses pengadilan yang tidak mengedepankan asas sederhana, cepat, dan biaya ringan dalam penyelesaian sengketa, serta hakim yang masih belum optimal dalam penyelesaian sengketa pertanahan karena hanya mendasarkan pada kebenaran formil daripada kebenaran materiil dalam penyelesaian sengketa pertanahan. Artikel ini mencoba untuk mengkaji pengadilan agraria sebagai upaya penyelesaian sengketa pertanahan yang lebih optimal. Dengan menggunakan metode penelitian hukum normatif melalui pendekatan peraturan perundang-undangan, kasus, dan perbandingan negara di Australia khususnya di Queensland dan New South Wales serta negara Skotlandia, artikel ini akan menawarkan gagasan pembentukan pengadilan agraria. Hasil penelitian menunjukkan bahwa pengadilan agraria di Queensland, New South Wales, dan Skotlandia mampu menjadi media penyelesaian sengketa pertanahan yang optimal. Gagasan pengadilan agraria sejatinya telah tertuang dalam Pasal 60, 61, dan 82 RUU Pertanahan dengan menempatkan pengadilan agraria di bawah pengadilan umum dan menggunakan hukum acara perdata. Melihat hal tersebut, perlu adanya upaya untuk merekonseptualisasi pengadilan agraria dengan menempatkan pengadilan agraria di bawah Mahkamah Agung, melakukan revisi RUU Pertanahan, dan membentuk Hukum Acara Pertanahan. Selain itu, perlu adanya penguatan mekanisme rekrutmen hakim khususnya pada hakim pengadilan agraria.
Artificial Intelligence and the Constitutional Court: A Newpath of Making Independent Decisions? Taniady, Vicko; Siahaan, Steven Theonald
Jurnal Kajian Pembaruan Hukum Vol. 3 No. 2 (2023): July-December 2023
Publisher : University of Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/jkph.v3i2.41726

Abstract

The Constitutional Court is facing problems because many decisions are not in favor of the community and are not independent. The constitutional judges are sometimes not independent, as in cases of corruption, and there are indications of a change in the substance of the decision. This study aims to analyze how the procedures for constitutional judges make decisions, and then the authors relate it to the urgency of implementing AI in helping judges make decisions. The research method used is doctrinal and socio-legal. This research uses literature study techniques to obtain secondary data. The study results show that constitutional judges' existence is essential in maintaining the rule of law and democracy in Indonesia today. So, to face the problems today, AI is needed. AI is expected to assist constitutional judges in making decisions, document review, and predictive analysis. The application of AI has been carried out by many countries, which have succeeded in helping judges make decisions. However, several challenges must be prepared, such as the need for regular AI inspections, supervision of the use of AI by the Constitutional Court Honorary Council and the independent Constitutional Court technicians, and the need for a legal umbrella for the application of AI within the Constitutional Court.
Euthanasia In Indonesia: Laws, Human Rights, And Medical Perspectives Ohoiwutun, Y. A. Triana; Taniady, Vicko; Lutfian, Lutfian; Rachim, Kania Venisa; Putri, Natasya Aulia
LAW REFORM Vol 20, No 2 (2024)
Publisher : PROGRAM STUDI MAGISTER ILMU HUKUM FAKULTAS HUKUM UNIVERSITAS DIPONEGORO SEMARANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/lr.v20i2.63813

Abstract

Euthanasia remains a contentious issue in Indonesia, where it is currently prohibited by law, creating significant challenges in balancing human rights, legal standards, and medical ethics. This research explores the legal framework, human rights considerations, and medical perspectives surrounding euthanasia in Indonesia, with a comparative analysis of practices in the Netherlands. Employing a normative legal research methodology, it utilizes legislative analysis, case studies, and comparative approaches to examine the regulatory gaps and societal implications of euthanasia in Indonesia. The findings reveal that while active euthanasia is explicitly criminalized under Indonesian law, passive euthanasia occurs discreetly within society, reflecting a legal and ethical gray area. Comparatively, the Netherlands' regulated approach provides valuable insights into balancing patient autonomy and societal ethics. This study concludes that Indonesia could benefit from legalizing passive euthanasia under stringent conditions, aligned with human rights principles and cultural values. This legalization would require robust regulatory frameworks, including judicial oversight and ethical guidelines, to ensure accountability and safeguard vulnerable groups. The findings underscore the urgency of harmonizing legal, human rights, and medical perspectives to address this complex issue while respecting Indonesia's unique socio-cultural context.
Debating Political Rights: The Revocation of Former Convict's Rights to Be Elected in Indonesian Elections Suarda, I Gede Widhiana; Anggono, Bayu Dwi; Setyawan, Fendi; Taniady, Vicko
Lentera Hukum Vol. 12 No. 1 (2025): LENTERA HUKUM
Publisher : University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejlh.v12i1.52923

Abstract

The purpose of this article is to analyse the revocation of the political right of former convicts to candidacy as public officials in the Indonesian context based on positive law and decisions of the Indonesian Constitutional Court. In addition, this article aims to conduct a comparative study analysis of the issue, namely, between the arrangements in Indonesia and those in the United States and Australia. In Indonesia, everyone has the right to stand as a candidate for public office, including former prisoners, with certain conditions in accordance with positive law. However, the matter of revoking the political rights of former convicts remains a matter of debate, especially before the General Election. The Constitutional Court affirmed that the political right of former convicts to hold elected public office must fulfil several requirements. The political rights of former convicts are still guaranteed, but there are certain limitations. In Australia and the United States, the political rights of former convicts are also maintained, but with exceptions for some instances, such as corruption or treason against the state. Looking at the existing debate, it is necessary to safeguard civil and political rights universally, while paying attention to the specific cases that underlie the prohibition on former convicts from running for public office.KEYWORDS: Elections, Political Rights, Former Convicts.
RECONSTRUCTING THE LEGAL FRAMEWORK OF TRADE SECRET PROTECTION VIS-À-VIS CYBER THEFT: A Cross-Jurisdictional Comparative Study Disemadi, Hari Sutra; Chutia, Upankar; Afdal, Windi; Taniady, Vicko; Tan, David
Jurisdictie: Jurnal Hukum dan Syariah Vol 16, No 1 (2025): Jurisdictie
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/j.v16i1.32563

Abstract

The growing incidence of cyber theft has exposed critical deficiencies in trade secret protection regimes, particularly in jurisdictions lacking integrated cybersecurity measures. This study analyses the legal frameworks of Indonesia, India, and Australia, using the United States' Defend Trade Secrets Act (DTSA) as a benchmark to evaluate their capacity to address digital trade secret misappropriation. Employing a comparative legal methodology, it examines statutory provisions, judicial interpretations, and enforcement mechanisms relevant to cybersecurity threats. The findings reveal that while Indonesia has enacted a trade secret statute, it lacks procedural safeguards specifically designed to address cyber theft. India and Australia, by contrast, depend on disjointed protections rooted in contract law, breach of confidence, and general cybercrime statutes. None of the jurisdictions provide a robust legal framework incorporating vital cybersecurity components such as ex-parte seizure, digital evidence management, or encryption standards. These shortcomings highlight a critical vulnerability in safeguarding proprietary information amidst escalating cyber threats. The study underscores the urgent need for legislative reform to align trade secret protection with contemporary cybersecurity challenges. Its insights contribute to the ongoing academic and legal discourse on the adequacy of current laws in mitigating cyber-enabled intellectual property violations. Meningkatnya insiden pencurian siber telah mengungkap kelemahan mendasar dalam rezim perlindungan rahasia dagang, terutama di yurisdiksi yang belum mengintegrasikan langkah-langkah keamanan siber dalam kerangka hukumnya. Studi ini menganalisis sistem hukum Indonesia, India, dan Australia, dengan membandingkannya terhadap Defend Trade Secrets Act (DTSA) dari Amerika Serikat untuk menilai efektivitasnya dalam menangani penyalahgunaan rahasia dagang secara digital. Dengan pendekatan hukum komparatif, kajian ini mengevaluasi ketentuan undang-undang, doktrin yurisprudensi, dan mekanisme penegakan yang relevan terhadap ancaman siber. Hasilnya menunjukkan bahwa meskipun Indonesia memiliki undang-undang khusus, perlindungan prosedural terhadap pencurian siber belum memadai. India dan Australia justru mengandalkan perlindungan yang terfragmentasi melalui hukum kontrak, asas kepercayaan, dan regulasi kejahatan siber umum. Tidak satu pun dari ketiga negara menyediakan kerangka hukum menyeluruh yang mencakup unsur penting seperti penyitaan ex-parte, pengelolaan bukti digital, atau standar enkripsi. Kekosongan ini menunjukkan lemahnya perlindungan terhadap informasi bisnis sensitif di tengah meningkatnya ancaman digital. Studi ini menekankan urgensi reformasi legislatif untuk menyelaraskan perlindungan rahasia dagang dengan tantangan keamanan siber modern. Temuan ini memberi kontribusi penting bagi wacana akademik dan hukum terkait perlindungan kekayaan intelektual di era digital.
The Application of the Res Ipsa Loquitur Doctrine as a Principle of Evidence in Medical Malpractice Adonara, Firman Floranta; Ohoiwutun, Y.A. Triana; Taniady, Vicko
Jurnal Pembangunan Hukum Indonesia Volume 7, Nomor 3, Tahun 2025
Publisher : PROGRAM STUDI MAGISTER HUKUM FAKULTAS HUKUM UNIVERSITAS DIPONEGORO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jphi.v7i3.179-197

Abstract

This paper aims to discuss the doctrine of res ipsa loquitur as an unlawful act in medical malpractice and its implications on the balance of protection for patients and medical personnel after the enactment of the Health Law. The urgency of this paper lies in examining the applicability of the res ipsa loquitur doctrine in relation to Articles 310 and 440 of the Health Law. The application of the res ipsa loquitur doctrine in proving medical malpractice cases is strategic in determining the existence or absence of unlawful acts due to negligence. The res ipsa loquitur doctrine makes it easier for patients as plaintiffs to prove negligence through a reverse burden of proof mechanism by medical personnel. Although not a formal piece of evidence, the res ipsa loquitur doctrine can be used as a relevant legal basis, especially when supported by medical records, to assess the conformity of medical actions with professional standards and operational procedures. The legal relationship in therapeutic transactions, which is asymmetrical in nature, requires proportional protection, both in relation to the provisions of Article 310 of the Health Law, which encourages non-litigation dispute resolution, and in relation to Article 440, which opens up criminal law channels for serious negligence in medical services. Therefore, the application of the res ipsa loquitur doctrine in criminal law must be strictly limited through a restorative justice approach as a fair alternative with balanced protection interests for patients and medical personnel.