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Peranan Advokat Dalam Pendamping Hukum Kliennya Berperkara Dengan Biaya Ringan Aulia, Sindi; Daulay, Puspa Ainni; Fitrianto, Bambang
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.11779

Abstract

Era digital membawa perubahan signifikan dalam dunia hukum, termasuk dengan hadirnya E-Court. Di satu sisi, advokat memiliki kewajiban untuk memberikan bantuan hukum kepada masyarakat, termasuk kepada mereka yang tidak mampu secara finansial. Di sisi lain, E-Court menawarkan potensi besar untuk membantu advokat dalam memberikan layanan hukum dengan biaya ringan, sehingga meningkatkan akses keadilan bagi masyarakat. Tulisan ini membahas peran penting advokat dan E-Court dalam meningkatkan akses keadilan bagi masyarakat dengan biaya ringan di era digital. Pertama, dibahas tentang pentingnya bantuan hukum dan peran advokat dalam memberikan layanan hukum dengan biaya ringan. Kedua, dibahas tentang E-Court dan potensinya dalam membantu advokat untuk memberikan layanan hukum dengan biaya ringan. Ketiga, dibahas tentang tantangan dan peluang dalam pendampingan hukum dengan biaya ringan di era E-Court. Kesimpulannya, advokat dan E-Court memainkan peran penting dalam meningkatkan akses keadilan bagi masyarakat dengan biaya ringan di era digital. Kolaborasi antara advokat, pemerintah, dan organisasi non-pemerintah (NGO) diperlukan untuk memastikan bahwa semua orang, regardless of their financial status, dapat memperoleh akses ke layanan hukum yang berkualitas. E-Court dan peran advokat yang strategis adalah kunci untuk mewujudkan akses keadilan bagi seluruh masyarakat.
The Idea of Renewing Terrorism Criminal Law in Indonesia as an Effort to Overcome Terrorism Based on the Justice Values Zarzani, Tengku Riza; Fitrianto, Bambang; Annisa, Siti
International Journal of Law Reconstruction Vol 8, No 1 (2024): International Journal of Law Reconstruction
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26532/ijlr.v8i1.36731

Abstract

This study aims to reconstructs the Constitution Act on Criminal Terrorism in Indonesia, with the objective of strengthening the framework law to cope with terrorism while ensuring protection, mark justice, and basic human rights. The purpose of this research to analyze about Terrorism Crime, Constitution Act Criminal Terrorism that occurs in Indonesia at the moment This Not yet can fulfill a sense of justice and Reconstruction Constitution Act Criminal Terrorism as effort countermeasures terrorism in Indonesia based mark justice. With a juridical, normative, and qualitative data analysis approach and analyze legal norms and principles relevant to justice with regard to criminal terrorism. The main problem found covers the following definitions: criminal extensive terrorism, potential abuse authority in detention and wiretapping, as well as the need for enhancement efforts to prevent terrorism. Research results show the necessity of a revision of the law to clarify the definition of criminal terrorism, limit detention and wiretapping with tight supervision, and also focus more on prevention through education and deradicalization. Proposed recommendations include strengthening cooperation between the government, institutions, security, and civil society, as well as integrating deradicalization and education programs to prevent the spread of ideological terrorism.
Problems of the elimination of criminal sanctions in law number 2 of 2017 concerning construction services: A study of policies and legal protection of construction accident victims Ismaidar, Ismaidar; Fitrianto, Bambang; Habibi, Haris; Purnomo, Sagita; Barus, Enda Leginta; Lumbanbatu, Bima
Priviet Social Sciences Journal Vol. 5 No. 11 (2025): November 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v5i11.918

Abstract

The abolition of criminal sanctions in Law Number 2 of 2017 concerning Construction Services creates a vacuum and uncertainty in law enforcement. Previously, in cases of construction failures and accidents that caused injuries and deaths, the perpetrators could be charged with Article 43 of Law Number 18 of 1999 concerning Construction Services, but with the removal of this criminal provision, law enforcement was carried out using the Criminal Code and/or building law. This condition results in disparities in the law enforcement. This research aims to discuss the void of criminal law in Law Number 2 of 2017 concerning Construction Services and comprehensively examine policies and legal protection for construction accident victims. The type of research used is normative juridical with a descriptive-analytical approach, discussing existing legal symptoms and problems and testing them based on applicable laws and regulations. The results of this study show that the void in criminal law in construction services law occurs due to the elimination of criminal sanctions based on legal political factors; thus, law enforcement for construction accidents cannot be carried out using special laws on construction services. Legal protection for victims of construction accidents is emphasized in law enforcement to provide a deterrent effect against perpetrators, consisting of the application of strict sanctions, compensation for victims, and the implementation of occupational health and safety management standards.
Tinjauan Yuridis Tanggung Jawab Hukum Bank Terhadap Kerugian Nasabah Akibat Kecerdasan Buatan (AI) Dalam Pengambilan Keputusan Kredit Fitrianto, Bambang
Milthree Law Journal Vol. 2 No. 1 (2025): Maret
Publisher : PT. Adikara Cipta Aksa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70565/mlj.v2i1.92

Abstract

Kajian ini menganalisis tanggung jawab hukum bank terhadap kerugian nasabah yang timbul akibat penggunaan kecerdasan buatan (Artificial Intelligence/AI) dalam proses pengambilan keputusan kredit. Penerapan AI dalam sektor perbankan memberikan efisiensi dan akurasi dalam menilai kelayakan kredit, namun sekaligus menimbulkan risiko hukum ketika terjadi kesalahan analisis, bias algoritmik, atau kegagalan sistem yang berdampak langsung pada hak-hak nasabah. Penelitian ini menggunakan metode yuridis normatif dengan menelaah peraturan perundang-undangan, regulasi perbankan, dokumen resmi OJK, serta literatur hukum terkait untuk memahami bagaimana konstruksi tanggung jawab hukum bank dibentuk ketika keputusan kredit dipengaruhi oleh teknologi AI. Melalui analisis terhadap regulasi seperti Undang-Undang Perbankan, Undang-Undang Perlindungan Konsumen, POJK terkait manajemen risiko teknologi informasi, serta prinsip kehati-hatian (prudential principle), ditemukan bahwa kerangka hukum Indonesia belum secara spesifik mengatur pertanggungjawaban akibat kegagalan AI. Kondisi ini menciptakan celah hukum yang dapat merugikan nasabah, terutama dalam kasus salah tolak kredit, salah nilai risiko, atau kerugian finansial akibat keputusan otomatis. Penelitian ini menyoroti pentingnya kepastian hukum, transparansi algoritma, serta penguatan pengawasan regulator dalam penggunaan AI oleh lembaga perbankan. Hasil kajian menunjukkan bahwa diperlukan penyempurnaan regulasi, peningkatan standar manajemen risiko teknologi, serta mekanisme akuntabilitas yang jelas agar penggunaan AI dalam pengambilan keputusan kredit tidak mengurangi perlindungan hukum bagi nasabah dan tetap sejalan dengan prinsip keadilan serta kehati-hatian dalam sistem perbankan.
Urgensi Pengaturan Cyber Insurance (Asuransi Siber) Wajib Bagi Bank Fitrianto, Bambang; Armayanti, Rika; Siagian, Sahat
Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory Vol. 3 No. 4 (2025)
Publisher : Sharia Journal and Education Center Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ijijel.v3i4.1564

Abstract

The rapid development of information technology and the digitalization of banking services have brought convenience as well as new risks in the form of increasingly complex cyber threats, such as data breaches, system hacking, and operational disruptions. These cyber risks not only affect the internal stability of banks but also potentially cause losses to customers and undermine public trust in the national financial system. Although the Indonesian banking regulatory framework has addressed risk management and data protection, specific regulations concerning mandatory cyber insurance for banks have not yet been comprehensively established. This study aims to analyze the urgency of regulating cyber insurance as a legal obligation for banks in order to strengthen legal protection, risk mitigation, and banking system stability. The research employs a normative legal method with statutory and conceptual approaches by examining banking regulations, data protection laws, and legal doctrines related to risk management and insurance. The findings indicate that cyber insurance plays a strategic role as a non-financial risk mitigation instrument by providing financial protection against losses caused by cyber attacks. Therefore, the mandatory regulation of cyber insurance for banks is an urgent necessity to ensure customer protection, enhance banking resilience, and support trust and stability within the national financial system.
Tanggung Gugat Bank Terhadap Penipuan Skema Social Enginering dalam Transaksi Digital Fitrianto, Bambang; Lestari, Cut Anggi; Gusnita, Deviyanti; Permata, Dhira Ahzara; Sipakar, Erwin Juliandi
Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory Vol. 3 No. 4 (2025)
Publisher : Sharia Journal and Education Center Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ijijel.v3i4.1574

Abstract

The development of information technology and the digitalization of banking services have significantly increased the use of digital transactions, offering efficiency and convenience while simultaneously giving rise to increasingly complex cybercrimes. One prevalent form of cybercrime in digital banking practices is fraud through social engineering schemes. This type of fraud exploits psychological manipulation to obtain customers’ confidential information, authentication codes, or unauthorized transaction approvals, resulting in substantial financial losses. In the context of banking law, social engineering fraud raises legal issues concerning banks’ liability for customer losses, particularly in determining the boundary between bank negligence and customer fault. The Indonesian banking regulatory framework has incorporated prudential principles, risk management, and consumer protection measures. However, regulations specifically addressing banks’ liability in cases of social engineering fraud remain insufficient and lack comprehensive clarity, leading to potential legal uncertainty and inconsistent dispute resolution. This study aims to analyze banks’ liability for social engineering fraud in digital transactions from the perspective of banking law and customer protection. The research employs a normative legal method with statutory and conceptual approaches by examining banking regulations, consumer protection laws, and legal doctrines related to liability and negligence. The findings indicate that banks may be held liable when customer losses arise from weaknesses in security systems, failure to properly implement prudential principles, or inadequate customer protection and education measures. Therefore, clearer legal regulation is necessary to define the allocation of liability between banks and customers in order to ensure legal certainty and strengthen customer protection in digital banking transactions.
Analisis Yuridis Penggunaaan Smart Contracts Dalam Perjanjian Pembiayaan Bank Fitrianto, Bambang; Fahri, Yusril; Barus, Wahyuda; Pratama, Satria Fadhil Wira
Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory Vol. 3 No. 4 (2025)
Publisher : Sharia Journal and Education Center Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ijijel.v3i4.1576

Abstract

The development of information technology and the digitization of financial services have driven significant transformations in banking financing agreements, one of which is through the use of blockchain-based smart contracts. Smart contracts offer various advantages, such as process efficiency, transparency, certainty of agreement implementation, and automated contract execution without the need for third-party intervention. However, the application of smart contracts in bank financing agreements also raises a number of legal issues, particularly those related to the validity of agreements, legal evidence, the responsibilities of the parties, and customer protection in banking legal relationships. In the Indonesian legal system, regulations regarding smart contracts have not been specifically and comprehensively regulated, so their use in the banking sector has the potential to create legal vacuums and legal uncertainty. This study aims to analyze the use of smart contracts in bank financing agreements from a legal perspective, with an emphasis on their conformity with the principles of contract law and their legal implications in banking practice. The research method used is normative legal with a legislative and conceptual approach, through a review of banking regulations, contract law, and legal doctrines related to electronic contracts and blockchain technology. The results of the study indicate that, conceptually, smart contracts can be applied in bank financing agreements as long as they meet the requirements of a valid agreement and the applicable principles of contract law. However, the absence of specific legal regulations regarding smart contracts in Indonesian banking law emphasizes the need to establish an adaptive regulatory framework to ensure legal certainty, customer protection, and the security and sustainability of banking financing transactions in the digital era.
Kerangka Regulasi Open Banking Dan Perlindungan Data Pribadi Nasabah Fitrianto, Bambang; Gaja, Armilati Suryani Putri; Dalimunthe, Aldi Fadillah; Manurung, Anggreyny Vini R Br; Harahap, Aina Sari
Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory Vol. 4 No. 1 (2026)
Publisher : Sharia Journal and Education Center Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ijijel.v4i1.1645

Abstract

This research study investigates and analyzes the intersection of accelerated digitalization in the banking industry through the Open Banking model with the fundamental need to protect personal data. In the digital economy, open data access through Application Programming Interfaces (APIs) serves as a driver of financial innovation, but also increases risks to customer privacy. This study analyzes how existing regulatory tools address changes in data exchange between platforms to ensure that operational efficiency does not compromise the right to personal data. The purpose of this research study is to discuss legal norms related to the management of open banking and legal protection mechanisms for customers as data owners. This analysis focuses on the alignment of regulations with the financial services regulatory sector through the currently implemented personal data protection law. This analysis will provide a comprehensive discussion emphasizing the comprehensiveness of regulations on open banking, the appropriateness of legal forms of protection provided to bank customers, and the legal norms related to the management of open banking and legal protection mechanisms for customers as data owners. Furthermore, this study is useful in providing policy advice to financial authorities in formulating technical cybersecurity standards to reduce the possibility of misuse of customer data in the digital environment.
Perlindungan Hukum Bagi Konsumen Terhadap Hidden Fees Praktik Periklanan Menyesatkan di Sektor Perbankan Digital Fitrianto, Bambang; Hardianto, Hardianto; Surbakti, Join Yordan; Marbun, Jessica Oktari; Sari, Mutia
Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory Vol. 4 No. 1 (2026)
Publisher : Sharia Journal and Education Center Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ijijel.v4i1.1647

Abstract

The rapid development of information technology and the digitalization of banking services have significantly transformed the delivery of financial products, particularly through digital banking platforms. While digital banking offers efficiency and convenience, it also gives rise to legal issues related to consumer protection, especially concerning the imposition of hidden fees through misleading advertising practices. Hidden fees are costs that are not transparently disclosed to consumers at the initial stage of product promotion, causing consumers to make financial decisions based on incomplete or inaccurate information. In the context of banking law, such practices raise serious legal concerns regarding transparency, fairness, and the accountability of banks toward consumers. The Indonesian legal framework has incorporated consumer protection principles, including the obligation of transparency, good faith, and prohibition of misleading advertising in banking services. However, regulatory arrangements specifically governing hidden fees in digital banking advertisements remain fragmented and lack explicit enforcement mechanisms, potentially leading to legal uncertainty and consumer vulnerability. This study aims to analyze the legal protection afforded to consumers against hidden fees arising from misleading advertising practices in the digital banking sector. The research employs a normative legal method using statutory and conceptual approaches by examining banking regulations, consumer protection laws, and legal doctrines related to transparency and liability. The findings indicate that banks may be held legally liable when hidden fees result from misleading advertisements, insufficient disclosure of costs, or violations of the principles of transparency and good faith. Therefore, clearer and more comprehensive legal regulation is necessary to strengthen consumer protection and ensure legal certainty in digital banking practices.
ANALISIS YURIDIS TERHADAP PRAKTIK RESTRUKTURISASI KREDIT PASCA PANDEMI Fitrianto, Bambang; Manulang, Dewi Fortuna; Dharmawan, Andhika Tri; Batubara, Luthfi Alghifari; Sianturi, Sinta Grace Ika; Lestari, Suntya Indah
Judge : Jurnal Hukum Vol. 6 No. 05 (2025): Judge : Jurnal Hukum
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/judge.v6i05.1990

Abstract

The COVID-19 pandemic has caused a decline in economic activity and increased the risk of problematic credit, thereby endangering the stability of the financial sector, especially banking. To maintain the availability of cash in banks and help affected debtors, the government through the Financial Services Authority (OJK) is implementing a credit restructuring policy. This research uses a normative juridical approach and literature study to evaluate the legal basis, implementation, and impact of credit restructuring policies after the pandemic. The research results show that the restructuring policy has a strong legal basis. This is indicated by POJK No. 11/POJK.03/2020 and its derivative regulations, the Banking Law, and civil law principles (Article 1338 of the Civil Code). Although restructuring increases the stability of the financial system and benefits debtors economically, it also raises problems such as the risk of moral hazard and debtors' dependence on payment slack. Therefore, to ensure that this policy is successful in the long term, consistent monitoring and application of the precautionary principle is essential.