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Azwar, Tengku Keizerina Devi
Univesitas Sumatera Utara
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MINIMIZING DEFAULT THROUGH SYARIAH FINTECH IN ORDER TO PROVIDE ACCESS TO FUNDING FOR BUSINESS ACTORS Nurhilmiyah, Nurhilmiyah; Purba, Hasim; Sitompul, Zulkarnain; Azwar, Tengku Keizerina Devi
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

One of the main problems experienced by information technology-based co-funding services is the high amount of loan interest from the organizer. This resulted in a pile of interest that never finished and eventually became a default and was determined to be in default. The beneficiary fails to pay the funds along with interest. This is considered burdensome and it is necessary to find alternative funding services that do not charge high interest to users. This article aims to solve the problem of minimizing default through Islamic financial technology to provide access for business actors. The concept of financing through syariah fintech companies is a solution and answer for business actors, especially MSMEs, regarding the complexity of capital and without determining interest from the lender. All will be determined through an agreement that has been agreed between the funder and the recipient of funds. The agreed agreement is also not the same from one another, which is based on the allocation of funds from the loan applicant. The difference between Islamic and conventional fintech in reducing risk can be clearly seen. That is, if in conventional fintech is to raise interest as a form of prudence. So that the absence of interest will be the main attraction for syariah fintech. The method used in this paper is literature research. The result is the minimization of defaults by fund recipients through Islamic financial technology to provide financial access for business actors.
Cigarette Excise: Between State Revenue And Global Demands Carl Augustinus Hothinca Soutihon Tampub; Detania Sukarja; T. Keizerina Devi Azwar
JURNAL HUKUM SEHASEN Vol 10 No 1 (2024): April
Publisher : Fakultas Hukum Dehasen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jhs.v10i1.5488

Abstract

One of the state revenues comes from excise tax, especially tobacco products, namely cigarettes. However, a breakthrough or certain steps are needed so that state revenue can be obtained optimally. Globalization has responded to the existence of excise, especially from cigarette products as a country's income. In addition, the law is also required to play a role in providing certainty, expediency and justice in terms of responding to the existence of excise tapes as a sign of payment of excise. Therefore, through this research, it will be described how the role of excise as state revenue and the development of cigarette excise in the global environment. Then, as a tool to test this scientific paper, it uses a type of juridical-normative research with a statutory approach. In addition, to enrich this research, primary data will be used from books, journals and so on and secondary data will be added as a complement to this research. The results of this study, the hope is based on the mechanisms owned by several countries, so that Indonesia can follow the pattern as a tangible form to increase more state revenue.
PERTANGGUNGJAWABAN DIREKSI DALAM HAL TERJADINYA KESALAHAN LAPORAN KEUANGAN TAHUNAN PT. GARUDA INDONESIA TBK PADA TAHUN 2018 Simangunsong, Fredrik Seldani; Saidin, Saidin; Azwar, Keizerina Devi
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 7, No 4 (2024): November 2024
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v7i4.2308

Abstract

Abstract: Members of the board of directors of PT Garuda Indonesia (Persero) Tbk were negligent in exercising their authority to manage the company based on the principles of good faith and prudence. The actions of the directors of PT Garuda Indonesia (Persero) Tbk can be said to be acts against the law. The regulation was then updated with decision no. KEP 17/PM/2002 by the Chairman of Bapepam regarding the obligation to submit financial reports periodically which came into effect for financial reports ending on 31 December 2002. In this decision it was stated that the annual financial report must be accompanied by an accountant's report with a general opinion and submitted to Bapepam no later than the end of the third month after the date of the annual financial report. The research methods in this research include normative legal types, with exploratory, descriptive and explanatory research characteristics, with a statutory approach and a conceptual approach. The data sources used in this research are primary data, data secondary and tertiary data. Data collection techniques for library research and field research are then analyzed deductively. The directors' responsibilities in managing the company can have consequences if the directors have bad faith in carrying out their obligations. Keywords: Accountability, Directors, Finance, PT. Garuda Indonesia Abstrak: Anggota direksi PT Garuda Indonesia (Persero) Tbk lalai dalam menjalankan kewenangannya untuk mengurus perseroan berdasarkan prinsip iktikad baik dan kehati-hatian. Tindakan direksi PT Garuda Indonesia (Persero) Tbk dapat dikatakan sebagai Perbuatan Melawan Hukum. Peraturan tersebut kemudian diperbaharui dengan keputusan No. KEP 17/PM/2002 oleh Ketua Bapepam tentang kewajiban penyampaian laporan keuangan secara berkala yang mulai berlaku untuk laporan keuangan yang berakhir pada 31 Desember 2002. Dalam keputusan tersebut disebutkan bahwa laporan keuangan tahunan harus disertai dengan laporan akuntan dengan pendapat yang lazim dan disampaikan kepada Bapepam selambat-lambatnya pada akhir bulan ketiga setelah tanggal laporan keuangan tahunan. Metode penelitian dalam penelitian ini meliputi jenis hukum normatif, dengan sifat penelitian eksploratif, deskriptif dan eksplanatori, dengan pendekatan peraturan perundang-undangan (statute approach) dan pendekatan konsep (onceptual approach), sumber data yang digunakan dalam penelitian ini yaitu data primer, data sekunder dan data tersier. Teknik pengumpul data studi kepustakaan (library research) dan studi lapangan field research), selanjutnya dianalisis secara deduktif. Tanggung jawab direksi dalam mengurus perseroan dapat menimbulkan konsekuensi apabila direksi beriktikad buruk (bad faith) dalam menjalankan kewajibannya. Kata kunci: Pertanggungjawaban, Direksi, Keuangan, PT. Garuda Indonesia
PERBANDINGAN PUTUSAN SENGKETA MEREK YANG MEMILIKI PERSAMAAN PADA POKOKNYA ANTARA MEREK TERDAFTAR DAN MEREK TERKENAL H.R. Gultom, Bambang; Saidin, Saidin; Azwar, Keizerina Devi
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 7, No 4 (2024): November 2024
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v7i4.2350

Abstract

Abstract: The importance of a brand in terms of influencing business development in a good or service can be seen from the desire of the public who are buyers or consumers to use goods or services that have a well-known brand. Rapid developments in this era of globalization have increased buyer satisfaction not only seen from the quality of the goods or services used, but also seen from the satisfaction of a person's prestige in using a brand that is considered famous. What are the legal considerations of the judge? Regarding the registration status of trademarks which are substantially similar in the decision of the Supreme Court of the Republic of Indonesia Number 532 K/Pdt.Sus-HKI/2024. The research method in this research includes normative legal types, with analytical descriptive research characteristics. The research approaches are the statutory approach, conceptual approach and statutory approach, with the data sources used in this research namely primary data, secondary data and tertiary data. The data collection technique is literature study and the data collection tool is document study, then analyzed qualitatively. Keywords: Brands, Verdicts, Disputes Abstrak: Pentingnya sebuah merek dalam hal mempengaruhinya perkembangan bisnis dalam suatu barang atau jasa dapat dilihat dari adanya suatu keinginan dari masyarakat yang merupakan pembeli atau konsumen dalam penggunaan barang atau jasa yang memiliki merek terkenal. Perkembangan yang pesat di dalam era globalisasi ini membuat meningkatnya kepuasan pembeli tidak hanya dilihat dari kualitas suatu barang atau jasa yang digunakan, akan tetapi dilihat juga dari kepuasan gengsi seseorang dalam menggunakan merek yang dianggap terkenal.       Bagaimana pertimbangan hukum hakim tentang status pendaftaran merek yang memiliki persamaan pada pokoknya dalam putusan Mahkamah Agung RI Nomor 532 K/Pdt.Sus-HKI/2024. Metode penelitian dalam penelitian ini meliputi jenis hukum normatif, dengan sifat penelitian deskriptif analitis. Pendekatan penelitian yaitu pendeketan perundang-undangan (statute approach), pendekaan konsep (conceptual approach) dan pendekatan perundang-undangan (statute approach), dengan sumber data yang digunakan dalam penelitian ini yaitu data primer, data sekunder dan data tersier. Teknik pengumpulan data yaitu studi kepustakaan dan alat pengumpul data yaitu studi dokumen, selanjutnya dianalisis secara kualitatif. Kata kunci: Merek, Putusan, Sengketa 
Perlindungan Hukum Terhadap Data Pribadi Nasabah Layanan Perbankan Setelah Berlakunya Peraturan Otoritas Jasa Keuangan (POJK) Nomor 6/Pojk.O7/2022 Raissa Avila Nasution; Budiman Ginting; Mahmul Siregar; Tengku Keizerina Devi Azwar
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 7, No 1 (2024): Journal of Education, Humaniora and Social Sciences (JEHSS), August
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v7i1.2292

Abstract

This article or writing aims to analyze the legal protection of personal data for banking customer services and analyze the resolution of the problem of leakage and protection of customer data after the enactment of financial services authority regulation (POJK) Number 6/Pojk.O7/2022. The problem focuses on the Financial Services Authority (OJK) regulations and the Personal Data Protection Law (UU PDP). Data was collected using a normative approach, using primary (laws, regulations), secondary (legal literature), and tertiary (legal encyclopedia) legal materials, and analyzed qualitatively. The research results show that the protection of banking customers' personal data in Indonesia has increased with the existence of POJK Number 6/POJK.07/2022 and Law Number 27 of 2022, which emphasize transparency, transparency and data security. Banking institutions must comply with the provisions and sanctions if they violate them, with the OJK playing an important role in supervision. In addition, resolving data leaks involves assessing losses and can be done through mediation, arbitration or litigation. Compliance with regulations and principles of legal justice is expected to minimize negative impacts and maintain public trust.
Kajian Hukum tentang Itikad Tidak Baik dan Passing Off dalam Pelanggaran Merek Terkenal: Perspektif Putusan Mahkamah Agung Nomor 345 K/Pdt.Sus-Hki/2021 Vera Yulia; Saidin Saidin; Tengku Keizerina Devi Azwar
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 7, No 1 (2024): Journal of Education, Humaniora and Social Sciences (JEHSS), August
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v7i1.2224

Abstract

This article on legal studies aims to analyze the concept of bad faith and the passing off doctrine in the context of infringement of well-known brands, with a focus on the Supreme Court decision Number 345 K/Pdt.Sus-Hki/2021. This research uses a normative juridical approach through literature study and analysis of court decisions. This decision is interesting because it explains in depth how the court assesses the element of bad faith and the application of the passing-off doctrine in trademark disputes. The results of the study show that the Supreme Court applies international and national principles regarding the protection of well-known brands, and considers evidence of intent to imitate or mislead consumers. This research provides insight into the development of jurisprudence in Indonesia regarding legal protection of well-known brands and offers recommendations for legal practitioners in handling similar cases in the future.
Legal Pluralism in the Colonial Era: The Influence of Economic Globalization on the Elimination of Poenale Sanctie and Customary Law Azwar, Tengku Keizerina Devi; Baxadirovna, Bazarova Dildora
SASI Volume 31 Issue 4, December 2025
Publisher : Faculty of Law, Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47268/sasi.v31i4.3392

Abstract

Introduction: From the late nineteenth to the early twentieth century, the expansion of large-scale plantations driven by global capital created a dual legal order in which colonial law was positioned as the dominant system, while customary law became subordinated. The central issues explored are how economic globalization shaped the configuration of legal pluralism and what factors contributed to the abolition of the poenale sanctie within the colonial legal system.Purposes of the Research: The purpose of this research is to analyze the dynamics between colonial and customary law in the context of global economic change and to investigate the underlying causes of the abolition of the poenale sanctie.Methods of the Research: This is normative legal research employing a conceptual approach. Data were drawn from primary legal sources, including colonial regulations and official archives; secondary legal sources, such as academic literature; and tertiary supporting materials. The data were then analyzed using a qualitative-descriptive method.Results of the Research: The findings reveal that the abolition of the poenale sanctie was influenced by both international and internal factors. External pressures included global public opinion and the rise of ethical politics, while internal drivers involved labor resistance, humanitarian advocacy, economic efficiency considerations, and the evolution of modern criminal law. The novelty of this research lies in its analysis of the implications of the abolition of the poenale sanctie for the status of customary law in East Sumatra. The study demonstrates that despite reforms within the colonial legal system, customary law did not gain significant recognition but remained marginalized. Hence, this research contributes to the discourse on colonial legal pluralism by highlighting the tension between economic globalization, colonial governance, and the persistence of customary law.
Keberadaan Marketplace Sebagai Pihak Ketiga Dalam Jual Beli Online Handayani, Rahmi; Azwar, Tengku Keizerina Devi; Leviza, Jelly; Sukarja, Detania
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 6, No 3 (2024): Journal of Education, Humaniora and Social Sciences (JEHSS), February
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/jehss.v6i3.2004

Abstract

Jual beli online telah menjadi fenomena yang mendominasi perdagangan modern seiring dengan kemajuan teknologi dan informasi. Fenomena ini menghadirkan peran signifikan dari marketplace sebagai pihak ketiga yang berfungsi sebagai perantara transaksi antara penjual dan pembeli. Dalam konteks ini, transaksi online melibatkan platform-platform marketplace yang menyediakan wadah bagi pelaku jual beli, terutama dalam model consumer to consumer (C2C). Salah satu aspek penting yang dibahas adalah peran marketplace dalam transaksi dengan sistem pre-order, yang menjadi salah satu bentuk transaksi populer dalam ekosistem jual beli online. Penelitian ini mengulas aspek keabsahan transaksi, perlindungan hukum untuk konsumen, dan tanggung jawab marketplace, dengan fokus khusus pada analisis kasus pada situs belanja online Shopee Indonesia. Metode penelitian menggunakan pendekatan hukum normatif dengan analisis deskriptif, menggabungkan peraturan perundang-undangan dan teori hukum sebagai kerangka kerja penelitian. Hasil penelitian ini memberikan wawasan mendalam tentang bagaimana keberadaan marketplace sebagai pihak ketiga memengaruhi dinamika jual beli online, serta memberikan pemahaman tentang isu-isu keabsahan transaksi, perlindungan hukum, dan tanggung jawab yang terkait dengan marketplace dalam ekosistem jual beli online.
Implementasi Pelindungan Karya Cipta Buku Berdasarkan Undang-Undang Hak Cipta: Studi Kasus Penjualan Buku Bajakan di Marketplace Shopee Winanda, Miftah Anggun; Saidin, Saidin; Azwar, Tengku Keizerina Devi
Al-Ishlah: Jurnal Ilmiah Hukum Vol 27 No 2: Juni - November 2024
Publisher : Fakultas Hukum, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56087/aijih.v27i2.460

Abstract

This research aims to understand the implementation of Law Number 28 of 2014 in addressing pirated book sales on Shopee. This study uses an empirical legal research method, adopting a virtual ethnographic approach to understand the legal behavior of internet users. The results show that the implementation of Law Number 28 of 2014 in addressing the sale of pirated books on Shopee is still not optimal, especially regarding monitoring and law enforcement. Effective law enforcement is necessary to strengthen copyright protection and restore losses that have occurred, including removing illegal content, civil lawsuits, and applying criminal fines as consequences for negligence. Therefore, it is recommended that various parties selling books on Shopee enhance their copyright protection efforts. First, Shopee should proactively improve its monitoring system to identify and remove infringing content before transactions occur. Second, Shopee sellers should ensure that their products comply with copyright requirements. Third, consumers should raise their awareness of the importance of purchasing legitimate products and support copyright protection efforts by reporting pirated books they find on the marketplace. Lastly, copyright holders are advised to actively monitor the distribution of their work and collaborate with marketplaces like Shopee to prevent copyright infringements and utilize available legal mechanisms to take action against violations. Through coordinated cooperation among all these parties, a fairer and more just environment in the digital market can be expected.
Penyelesaian Perselisihan Pembatalan Kontrak Pertunjukan Musik Akibat Efek Tindakan Kontroversial Tarigan, Gita Gisela Andriani Br; Sukarja, Detania; Harianto, Dedi; Azwar, Tengku Keizerina Devi
Al-Ishlah: Jurnal Ilmiah Hukum Vol 27 No 2: Juni - November 2024
Publisher : Fakultas Hukum, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56087/aijih.v27i2.476

Abstract

This research aims to analyze the category of music performance contract cancellations due to controversial actions and the forms of non-litigation dispute resolution between the event organizer and 1975. This study combines normative and empirical research methods. Subsequently, the collected data were analyzed qualitatively to describe the problem and address the research purposes. The results show that the controversial actions of The 1975 vocalist in Malaysia, leading to the cancellation of their performance at “We the Fest 2023” in Jakarta, constitute a breach of contract. This cancellation not only reveals the direct impact on the event but also highlights the importance of clauses in contracts that specifically regulate public behavior and the potential consequences of such behavior, both legally and ethically. Furthermore, the dispute resolution between the Event Organizer and The 1975 following the cancellation of their performance was achieved through negotiation. The dispute resolution process between the two parties was effective and took only two days, demonstrating that negotiation is a quick and efficient non-litigious method. Therefore, it is recommended that event organizers and artists, singers, or bands include and clarify clauses in performance contracts related to public behavior and its potential consequences. These clauses should detail the fines or legal consequences that may arise from controversial actions that could negatively affect the execution of the contract or the reputation of the involved parties. Additionally, Event Organizers are advised to set behavior standards that band personnel must adhere to while on stage, thereby minimizing the risk of future music performance cancellations. Lastly, both Event Organizers and music bands should prioritize non-litigation as the initial step before pursuing litigation, as negotiation has proven efficient and effective in resolving disputes arising from breaches of contract due to controversial actions.
Co-Authors Adelina Mariani Sihombing Afnila Aminuyati Ammanawwara, Ammanawwara Ardo Sirait Arie Kartika Atika Putri Amira Azzahra, Sheika Bambang Fitrianto Bambang H.R. Gultom Baxadirovna, Bazarova Dildora Bismar Nasution BUDIMAN GINTING Carl Augustinus Hothinca Soutihon Tampub CYNTHIA HADITA Dedi Harianto Edy Ikhsan Emirza Henderlan Harahap Erlinda Vivi Yusanti Eva Syahfitri Nasution, Eva Syahfitri Fahri Ramadhan Faisal Akbar Faradila Harahap Fathiya Al'Uzma Ferencia, Viony Fredrik Seldani Simangunsong Ganda Wiatmaja H.R. Gultom, Bambang Harefa, Steven Putra HASIM PURBA Hilbertus Sumplisius M. Wau Hilbertus Sumplisius M. Wau Hilbertus Sumplisius M. Wau Huller Gabe Dimpos Sinaga Idha Aprilyana Sembiring Ikhsan Lubis Indi Fandaya Jelly Leviza M. Ulul Azmi Mahmul Siregar MAHMUL SIREGAR Marsella, Marsella Melda Notaria Montayana Meher Muhammad Luthfiadi Akbar Muhammad Yamin Muhammad Yamin Muhammad Yamin Lubis, Muhammad Yamin Ningrum Natasya Sirait Nurhilmiyah, Nurhilmiyah O.K Saidin O.K. Saidin, O.K. OK. Saidin Omar Akbar Aldian Pinem Prawira Kamila Princess Alyssa D. Tee-Anastacio Putra Rizki Akbar Putri Rumondang Siagian Rahmi Handayani Rahmi Pambpha Patresia M Raissa Avila Nasution Redyanto Sidi Riandy, Novi Rifany Arbita Lubis Rina Alamanda Nasution Rismawaty Rismawaty Rizka Azizah Siregar Robert, Robert Rosnidar Sembiring Rudy Haposan Siahaan Runtung Runtung Runtung Sitepu Runtung Sitepu Saidin Saidin Saidin Saidin saidin, saidin Satria Perdana Simangunsong, Fredrik Seldani Sirait, Ardo Suhaidi Suhaidi Suhaidi Sukarja, Detania Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi, Sunarmi Suprayitno Suprayitno Susi Dwi Harijanti Sutiarnoto Sutiarnoto Sutiarnoto Sutiarnoto Sutiarnoto Syahrul Sitorus Syarah Ermayanti Nasution Syarifah Lisa Andriati Sylvina Anggita Tambunan, Kiki Ayu Lestari Tarigan, Gita Gisela Andriani Br Tarsius Murwadji Tjipta, Arya Utari Maharany Barus Utary Maharany Barus Venia Utami Keliat Vera Yulia Winanda, Miftah Anggun Windha Yati Sharfina Desiandri Yefrizawati Zaidar, Zaidar Zulkarnain Sitompul