Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Innovative: Journal Of Social Science Research Journal of Innovative and Creativity
Heltaji, Herliana
Unknown Affiliation
Humanities Computer Science & IT Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Alternatif Penyelesaian Sengketa Keuangan Digital Sebagai Bentuk Pertanggungjawaban Hukum Terhadap Perlindungan Konsumen E-Wallet FLIP Di Indonesia Heltaji, Herliana
Innovative: Journal Of Social Science Research Vol. 5 No. 4 (2025): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v5i4.20699

Abstract

permasalahan terkait (1) Bagaimanakah bentuk pertanggungjawaban hukum dalam perlindungan konsumen jasa keuangan digital e-wallet? (2) Bagaimanakah alternatif penyelesaian sengketa untuk pertanggungjawaban hukum yang diberikan oleh e-wallet Flip atas kerugian yang diderita oleh pengguna e-wallet Flip? Tipe penelitian dilakukan dengan menggunakan metode pendekatan yuridis normatif melalui studi kepustakaan dengan menelaah data sekunder, dari referensi yang berkaitan dengan permasalahan. Perjanjian dalam e-wallet Flip yang disebut terms and condition belum memberikan mekanisme pengembalian dana sebagaimana diamanatkan pada Peraturan Bank Indonesia Pasal 43 Ayat (e) Nomor 18/06/PBI/2018 Tentang Uang Elektronik jo Pasal 21 Peraturan Bank Indonesia Nomor 16/40/PBI/2016 Tentang Penyelenggaraan Pemrosesan Transaksi Pembayaran. Selain itu bentuk pertanggungjawaban yang diberikan Flip kepada user-nya yang hanya membatasi Rp10.000.000,00 (sepuluh juta rupiah) yang bertentangan dengan Pasal 19 ayat (2) Undang-Undang Perlindungan Konsumen jika ada pembatasan yang pergantian kerugian, maka ini merugikan pihak konsumen yang mengalami kerugian lebih dari Rp10.000.000,00 (sepuluh juta rupiah) akibat kesalahan e-wallet Flip.
Bank Sebagai Institusi Publik Analisis Hukum Atas Pendirian Dan Mekanisme Pembubaran Di Indonesia Heltaji, Herliana; Kadriah, Ayyub; Pamungkas, Dimas Aditya
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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

Abstract

This study examines the relationship between the public functions of banks and the legal regime governing their establishment and dissolution in Indonesia. Banks are not merely commercial entities; they also serve as public institutions that safeguard financial system stability, protect public funds, and ensure the smooth operation of payment systems. The research employs a normative analysis method with conceptual and critical approaches, utilizing primary, secondary, and tertiary legal sources, as well as literature and online sources. The study focuses on: first, how the public functions of banks shape the legal framework for their establishment, distinguishing them from private corporations; second, how the systemic nature of banks necessitates authoritative dissolution mechanisms through resolution and special liquidation regimes. Findings indicate that bank establishment and dissolution regulations in Indonesia are inseparable from the objectives of economic stability and public trust, and that domestic legal literature requires stronger integration of macroeconomic and juridical perspectives. This study offers practical contributions for regulators and the banking industry while enriching academic discourse on bank intermediation as a public instrument.
Co-Authors Kadriah, Ayyub Pamungkas, Dimas Aditya