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Credit Restructuring by Bali Regional Development Bank to Debtors During the Covid-19 Pandemic Putu Ayu Sriasih Wesna; Ida Bagus Kade Ari Dwi Putra; I Nyoman Sujana
Journal Equity of Law and Governance Vol. 3 No. 2
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55637/elg.3.2.8630.149-154

Abstract

Restructuring credit serves as a strategic avenue to ameliorate the financial status of businesses facing adversity, especially those entwined with creditor banks, to assist struggling debtors in meeting their obligations. This study delves into the restructuring initiatives undertaken by BPD Bali amid the Covid-19 pandemic, scrutinizing the associated legal implications. This research uses empirical legal research methodology, using a qualitative approach. The data collection techniques used in this research are in-depth interviews, observation, and document analysis. Data obtained from interviews, observations, and document analysis will be analyzed qualitatively. Qualitative analysis is carried out by interpreting the data in depth and thoroughly to produce meaningful conclusions. The result of this study show that the Bali Regional Development Bank's approach involved a meticulous assessment of debtors' integrity and reliability, prioritizing trustworthy customers for credit restructuring. Specifically, for loans ranging from fifty million to five hundred million, the bank adopted reconditioning and rescheduling techniques. The repercussions for debtors entailed a modification in the original agreement with the bank, resulting in the nullification of the initial credit terms initially committed to by both the creditor and debtor.
MANAGEMENT OF BAGA UTSAHA PADRUWEN OF TRADITIONAL VILLAGE (BUPDA) IN ECONOMIC EMPOWERMENT OF TRADITIONAL LAW COMMUNITIES IN BALI I Wayan Suarjana; I Made Suwitra; I Nyoman Sujana
Journal Equity of Law and Governance Vol. 4 No. 1
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55637/elg.4.1.9451.76--84

Abstract

Traditional Villages in Bali have the task of realizing Traditional Village customs which include tranquility, prosperity, happiness, and peace in life and the future. Bali Province Regional Regulation No. 4 of 2019 in conjunction with Bali Province Regional Regulation No. 4 of 2022 is one answer and solution to this task. It contains the ideology and basic framework for the governance of Traditional Villages in Bali and the economic system of Traditional Villages in Bali. It is also a basic strategy for strengthening the existence and role of Traditional Villages. Based on these conditions, the legal issues raised in this research are to analyze (1) the nature of Traditional Village-Owned Enterprise (referred to as BUPDA) management arrangements in Bali Province; (2) the effectiveness of Bali Province Regional Regulation No. 4 of 2019 in conjunction with Bali Province Regional Regulation No. 4 of 2022 in regulating the management of BUPDA in Bali Province; and (3) a BUPDA management model that can improve the welfare and economic independence of traditional law communities in Bali. The research method used is an empirical legal research method. The results of the research show that (1) The nature of BUPDA plays a role in preserving the continuity, preservation of customs, traditions, arts and culture, and local wisdom in Bali and can improve the welfare and independence of Traditional Villages in Bali; (2) The effectiveness of Bali Province Regional Regulation No. 4 of 2019 in conjunction with Bali Province Regional Regulation No. 4 of 2022 or the small number of BUPDA formations in Traditional Villages is also caused by not all factors such as law enforcement, legal quality, and the suitability of regional regulations to local needs and conditions in each district/city which can influence the effectiveness of implementing regional regulations regarding BUPDA; and (3) The BUPDA management model in Bali by integrating the components of cultural capital, economic capital, social capital, religious capital, and technology/IT capital as a hybrid institutional model. BUPDA governance needs to pay attention to cultural, social, religious, and technological aspects in developing the economy of Traditional Villages sustainably based on local potential and wisdom.
Implikasi Yuridis Perceraian terhadap Hak-hak Anak dalam Perspektif Hukum Islam (Studi Kasus Pengadilan Agama Denpasar) Salsabillah Nilam Zahra; I Nyoman Sujana; Ni Made Puspasutari Ujianti
Jurnal Konstruksi Hukum Vol. 4 No. 3 (2023): Jurnal Konstruksi Hukum
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jkh.4.3.8032.253-260

Abstract

Artikel ini membahas "Implikasi Yuridis Perceraian terhadap Hak-Hak Anak dalam Perspektif Hukum Islam." Fokus utamanya adalah mengevaluasi dampak perceraian terhadap pemenuhan hak-hak anak, dilihat dari perspektif Hukum Islam, serta tindakan hukum yang dapat diambil jika hak-hak anak tersebut tidak terpenuhi dalam kerangka hukum Islam. Metode penelitian yang digunakan adalah metode hukum empiris, yang bertujuan untuk menggambarkan situasi objek penelitian berdasarkan realitas yang ada. Pendekatan yang diambil mencakup aspek perundang-undangan dan sosiologis untuk memahami secara komprehensif implikasi perceraian terhadap hak-hak anak. Data untuk penelitian ini diperoleh melalui observasi serta wawancara, lalu dianalisis dan dirangkum dalam kalimat-kalimat yang mudah dipahami. Hasil penelitian menunjukkan bahwa hak-hak anak harus tetap dipenuhi oleh kedua orang tua sesuai dengan ketentuan yang terdapat dalam Pasal 149 Kompilasi Hukum Islam (KHI), meskipun kedua orang tua tersebut telah bercerai. Namun, terdapat perdebatan di kalangan ahli hukum terkait eksekusi hak asuh anak, karena anak dianggap sebagai individu yang memiliki hak dan martabatnya sendiri, bukan sebagai objek. Akibatnya, belum ada peraturan yang secara komprehensif mengatur proses eksekusi hak asuh anak dan nafkah anak dalam konteks perceraian. Kondisi ini menciptakan kekosongan hukum, sehingga Hakim perlu melakukan penemuan hukum guna menyelesaikan permasalahan tersebut dengan seadil-adilnya demi kepentingan anak. Dengan demikian, perlu adanya regulasi yang lebih jelas dan terkompilasi mengenai prosedur eksekusi "hadhanah" serta penguatan peran dan tanggung jawab jurusita dalam menjalankan perintah eksekusi "hadhanah". Selain itu, para mantan suami dan istri seharusnya melakukan musyawarah lebih awal demi kepentingan terbaik anak di masa depan.
Tanggung Jawab Yuridis Pelaku Usaha Ritel kepada Konsumen terhadap Pengalihan Uang Kembalian dalam Bentuk Sumbangan I Putu Gede Agus Wirayasa; I Nyoman Sujana; Ni Made Puspasutari Ujianti
Jurnal Preferensi Hukum Vol. 5 No. 1 (2024): Jurnal Preferensi Hukum
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jph.5.1.8707.63-68

Abstract

Artikel ini menganalisis tentang tanggung jawab pelaku usaha retail kepada konsumen terhadap pengalihan uang kembalian dalam bentuk sumbangan. Pada era saat ini banyak sekali perilaku-prilaku yang dilakukan oleh manusia terhadap kehidupan sehari-hari yang merugikan banyak orang, tindakan itu dilakukan atas dasar memperoleh keuntungan pribadi. Salah satu hal itu ialah terjadinya tindak pengembalian uang kembalian pada pelaku usaha yang diganti alasan sumbangan. Tujuan penelitian ini adalah untuk mengetahui tanggung jawab yuridis pelaku usaha terhadap konsumen atas pengalihan uang kembalian dalam bentuk sumbangan serta perlindungan hukum terhadap konsumen atas pengalihan uang kembalian dalam bentuk sumbangan oleh pelaku usaha. Pada pemecahan masalah ini menggunakan metode hukum normatif.Perlindungan hukum bagi konsumen terhadap atas pengalihan uang kembalian dalam bentuk sumbangan dapat dilakukan dengan dua cara perlindungan hukum antara lain perlindungan hukum secara preventif serta represif.
Minimum Capital Requirements for Limited Liability Company for Foreign Investment in a Notarial Deed Based on Job Creation Law Ni Kadek Bella Kurnia Agustini; Johannes Ibrahim Kosasih; I Nyoman Sujana
International Journal of Sociology and Law Vol. 2 No. 3 (2025): August : International Journal of Sociology and Law
Publisher : Asosiasi Penelitian dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijsl.v2i3.708

Abstract

The implementation of the Job Creation Law has brought significant changes to the regulation of foreign investment in Indonesia, particularly through the establishment of a minimum capital requirement for a Foreign Investment Limited Liability Company (PT PMA) of IDR 10 billion. This study aims to examine the formal minimum capital requirements for PT PMA in notarial deeds under the Job Creation Law using normative juridical methods with statutory, conceptual, and case study approaches, and referring to the theory of legal certainty, responsibility, and legal protection. The analysis includes the evolution of PT minimum capital regulations, capital classification within the company's legal structure, the phenomenon of fictitious PT PMAs such as the PT BKG case, and the status and limitations of notary responsibilities. The results of the study indicate that although the minimum capital requirement for PT PMAs has been explicitly stipulated in Government Regulation No. 5 of 2021 and Regulation of the Head of the Investment Coordinating Board (BKPM) No. 4 of 2021, there are legal loopholes in the form of unclear capital deposit periods, weak verification and oversight mechanisms, and the prevalence of nominee practices and fictitious PT PMAs that reduce the effectiveness of the policy. The notary's position as a public official plays a strategic role in drafting deeds of establishment, verifying documents, and providing legal counseling, but has limited authority in verifying material truth. The study concluded that regulatory improvements are needed through establishing clear capital deposit periods, strengthening verification and oversight mechanisms, and harmonizing regulations between institutions to ensure the effective implementation of minimum capital requirements for foreign-owned companies (PT PMA) in accordance with the principle of economic sovereignty.
Pengaruh Kualitas Pelayanan dan Promosi Terhadap Keputusan Pembelian Sepeda Motor Bekas Studi pada Showroom Sepeda Bekas di Singaraja Febriantari, Kadek Gita; I Nyoman Sujana
Jurnal Pendidikan Ekonomi Undiksha Vol. 17 No. 2 (2025)
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jjpe.v17i2.95640

Abstract

This study aims to determine (1) the effect of service quality on purchasing decisions, (2) the effect of promotion on purchasing decisions, (3) the effect of service quality and promotion on purchasing decisions. The population in this study, namely all consumers who have purchased used motorcycles totaling 676 people. The sampling technique used was Proportional Random Sampling, with a sample size of 87 respondents. The data collection method used a questionnaire and was analyzed using multiple linear regression analysis. Hypothesis testing was carried out partially using the t-test and simultaneously using the F-test processed with the help of the Statistical Package For The Social Science (SPSS) version 25 software. The results of the study showed that (1) service quality had a positive and significant effect on purchasing decisions for used motorcycles at used motorcycle showrooms in Singaraja, (2) promotion had a positive and significant effect on purchasing decisions for used motorcycles at used motorcycle showrooms in Singaraja, (3) service quality and promotion had a positive and significant effect on purchasing decisions for used motorcycles at used motorcycle showrooms in Singaraja.
Pengaruh Literasi Keuangan Dan Demografi Terhadap Keputusan Investasi Pegawai Dinas Kependudukan dan Pencatatan Sipil Kabupaten Buleleng Anggreni, Kadek Vina; I Nyoman Sujana
Jurnal Pendidikan Ekonomi Undiksha Vol. 17 No. 1 (2025)
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jjpe.v17i1.100207

Abstract

This study aims to analyze the influence of financial literacy and demographic factors on investment decisions of employees of the Population and Civil Registration Service of Buleleng Regency. The approach used is quantitative with a sample size of 30 people selected through purposive sampling techniques. Data were collected through questionnaires and documentation, then analyzed using multiple linear regression. Before the multiple linear regression analysis was carried out, classical assumption tests were first carried out such as normality, multicollinearity, and heteroscedasticity tests. The results of the study showed that: (1) Partially, financial literacy has no significant effect on investment decisions, (2) Partially, demographically, it has a positive and significant effect on investment decisions, and (3) Simultaneously, financial literacy and demographics together have a positive and significant effect on investment decisions. These findings indicate that demographic factors play an important role in driving investment decisions, as well as the importance of increasing financial literacy to support wiser investment decision-making in the future.
Perlindungan hukum karya fotografi secara komersial tanpa hak I Gusti Ngurah Bagas Suadarmadinata; I Nyoman Sujana; Ni Made Puspasutari Ujianti
Jurnal Analogi Hukum 179-183
Publisher : Fakultas Hukum Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/ah.5.2.2023.179-183

Abstract

Tujuan Artikel ini merupakan penelitian hukum normatif yang mengkaji mengenai perlindunganhukum karya fotografi secara komersial tanpa hak. Adapun yang merupakan fokus kajiannya mengenai rumusanmasalah yang diangkat yaitu Bagaimana Bentuk Perlindungan Hukum Karya Fotografi Secara Komersial TanpaHak?, Bagaimana Penyelesaian Sengketa Atas Karya Fotografi Yang Digunakan Secara Komersial Tanpa Hak?.Penelitian skripsi ini menggunakan metode penelitian hukum normatif. Hasil penelitian menemukanPerlindungan hukum terhadap hak pencipta karya fotografi Untuk mendapatkan perlindungan hukum,Pendaftaran Hak Cipta sendiri dianggap sebagai langkah untuk melindungi kepentingan pemilik Hak Cipta.Akan dilindungi oleh Undang-Undang apabila karya tersebut telah didaftarkan. Untuk perlindungannya sudahjelas di dalam Undang-Undang Hak Cipta di Pasal 1 ayat 10 sudah tercantum bahwa hak cipta fotografidilindungi. berdasarkan pasal 95 Undang-undang Nomor 28 Tahun 2014. Penyelesaian sengketa apabila pihakpencipta dirugikan dapat diselesaikan secara litigasi yakni dengan cara mengajukan gugatan ke pengadilan baikitu secara perdata maupun pidana. Selain dapat dilakukan secara litigasi, dapat juga dilakukan secara non litigasiyaitu alternatif penyelesaian sengketa seperti negosiasi, mediasi dan konsiliasi.