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Yoyo Arifardhani
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Tax Policy and Muslim Consumer Behavior: Evidence from Indonesia’s Retail Sector Suhendar, Suhendar; Evi Ekawati; Yoyo Arifardhani; Dewi, Hayuningtyas Pramesti; Dahlan, Ahmad; Hamdan, Muhammad Sirajuddin Qahtan
Economica: Jurnal Ekonomi Islam Vol. 14 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2023.14.2.25995

Abstract

Indonesia’s retail sector faces challenges adapting to recent VAT policy changes amid ongoing recovery from the COVID-19 downturn. This study examines the relationship between the VAT rate increase—from 11% to 12% in April 2022—and consumer purchasing power, using a mixed-methods approach grounded in Islamic ethics. Conducted across five major Indonesian cities, the analysis reveals that the tax increase has spurred improvements in financial planning, with 78% of respondents reporting more structured shopping behavior. Consumer adaptation strategies—including digital tools and loyalty programs—resulted in 15–20% savings. Demand elasticity varied by product type: essential goods showed low elasticity (-0.3), while non-essentials exhibited higher elasticity (-1.2), reflecting consumer prioritization. The retail sector demonstrated resilience, growing from 3.2% to 4.2%, with operational efficiency rising from 82% to 88% and digital transformation reaching 87%. These findings offer empirical support for the positive effects of fiscal adjustments and highlight the role of Islamic ethics in promoting prudent, purposeful consumption.
The Importance of Non Disclosure Agreement (Nda) As a Form of Trade Secret Protection in Foreign Higher Education Consultants in Indonesia Arifardhani, Yoyo
Journal of Law, Politic and Humanities Vol. 5 No. 6 (2025): (JLPH) Journal of Law, Politic and Humanities
Publisher : Dinasti Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jlph.v5i6.1597

Abstract

The development of the overseas higher education consulting industry in Indonesia has created a need for effective trade secret protection. This study aims to analyze the effectiveness of Non-Disclosure Agreements (NDA) as an instrument for protecting trade secrets, identify the challenges of their implementation, and formulate strategies to optimize compliance while maintaining employee career mobility. Using normative legal research methods with statutory, conceptual, and case approaches, this study analyzes primary, secondary, and tertiary legal materials related to the implementation of NDAs in the industry. The results show that the effectiveness of NDAs is highly dependent on the clarity of the clause formulation and the monitoring mechanisms applied. The main challenges include the difficulty of defining the boundaries of confidential information, the complexity of proving violations, and the limitations of post-employee monitoring mechanisms. Optimal strategies include the development of a structured knowledge management system, periodic training programs, and incentive mechanisms to encourage compliance. This study recommends the development of a standardized NDA template, strengthening monitoring mechanisms, and continuing education programs to improve the effectiveness of trade secret protection in the overseas higher education consulting industry in Indonesia
Legal Protection for Creditors Due to Problem Credit with Collateral Rights Guarantee Arifardhani, Yoyo; Jum Anggriani; Silvia Dantyana
Jurnal Smart Hukum (JSH) Vol. 3 No. 2 (2025): October-January
Publisher : Inovasi Pratama Internasional. Ltd

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/jsh.v3i2.1087

Abstract

Legal consequences of the implementation of the Power of Attorney to Charge Mortgage Rights in the implementation of the Sale and Purchase Agreement by a Notary based on the main agreement, namely the Credit Agreement in Banking which is not followed by the making of a Deed of Granting Mortgage Rights and analyzing legal protection for creditors in credit agreements with the execution of mortgage guarantees if the debtor is in default for settlement due to problematic credit. Based on Article 8 of Law No. 10 of 1998 concerning Amendments to Law No. 7 of 1992 concerning Banking in providing credit, banks apply the principle of "5C" which is mainly to see the customer's ability to accept the credit applied for. If the debtor defaults so that problematic credit occurs, then they can file for the execution of the Mortgage Guarantee if the collateral is in the form of land or buildings for the implementation of the SKMHT along with the APHT by a Notary. The purpose of this study was to determine the regulations for debtors who are in default in credit agreements with the imposition of Mortgage Rights and legal protection for creditors in the event that the debtor is in default. By using normative-empirical research methods, data collection techniques in the form of primary data by interviewing informants as informants and secondary data in the form of documents related to the problems studied to obtain conclusions if the debtor defaults in a credit agreement with the imposition of Mortgage Rights, based on the regulations of Law No. 4 of 1996 concerning Mortgage Rights, it states that the imposition is carried out by making a credit agreement first, then the imposition of mortgage rights and registration of the Deed of Granting Mortgage Rights with a predetermined time limit. So that there is legal protection for creditors so that the debtor's debt repayment can be carried out in accordance with the provisions of the Mortgage Law concerning the creditor's right to sell the object of the mortgage right
Legal Protection for Capital Market Investors If the obligation to pay interest and principal on bonds is not fulfilled Arifardhani, Yoyo; Selian, Stella Sadeva
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 002 (2024): Pena Justisia (Special Issue)
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i3.4977

Abstract

The Indonesian capital market is growing rapidly and plays a role in national development. Important principles include managing value-added activities, system development, and placing reliable personnel to create Good Corporate Governance (GCG). According to Law no. 8 of 1995, the capital market includes public offerings, securities trading and securities-related public companies. The capital market trades capital and debt instruments. Bonds are long-term debt securities with the risk of the company's inability to fulfill its obligations. This research reviews legal protection for capital market investors in handling bond payment obligations. The aim of this research is to determine the role of legal protection from the Capital Market Regulator in imposing sanctions on public companies that are negligent in fulfilling their obligation to pay interest and/or principal on bonds, and to find out how to ensure investors are safe in purchasing bonds. The research results show that capital market regulators such as the Trustee, OJK, and BEI have a crucial role in supervising and protecting bond holders from pre-registration to post-issuance. Actions include trusteeship contracts, sanctions, and suspension of bond issuers. And in-depth knowledge of bonds and the factors that influence their security will help investors in choosing bonds that suit the investor's risk profile and investment objectives.
Perlindungan Hukum Terhadap Pembeli Yang Beritikad Baik Atas Sertipikat Tanah Yang Diagunkan Ke Bank Sebagai Jaminan Kredit Oleh Pihak Developer (Studi Kasus Putusan Mahkamah Agung Nomor 822/PK/PDT/2019) Bunga Nur Khofifah; Yoyo Arifardhani
Pamulang Law Review Vol. 8 No. 2 (2025): November : Pamulang Law Review
Publisher : Prodi Hukum S1 - Fakultas Hukum - Universitas Pamulang

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

Abstract

Permasalahan utama dalam makalah ini adalah mengenai tidak adanya perlindungan hukum yang optimal bagi pembeli yang beritikad baik atas tanah yang ternyata telah diagunkan oleh developer ke bank tanpa sepengetahuan pembeli. Kasus ini mencerminkan konflik kepentingan antara hak pembeli yang telah membeli dan melunasi pembayaran tanah secara sah dengan hak bank sebagai kreditur pemegang jaminan. Penelitian ini menempatkan posisi pembeli sebagai subjek hukum yang seharusnya memperoleh perlindungan maksimal dari sistem hukum, terutama dalam konteks transparansi informasi status objek jual beli. Pembahasan dilakukan melalui pendekatan yuridis normatif dengan menelaah Putusan Mahkamah Agung Nomor 822 PK/Pdt/2019, serta menggunakan teori perlindungan hukum Philipus M. Hadjon, teori keadilan John Rawls, dan teori peralihan hak. Hasil penelitian menunjukkan bahwa Mahkamah menguatkan hak tanggungan bank dan menolak permohonan Peninjauan Kembali pembeli, yang justru memperlihatkan lemahnya posisi hukum pembeli meskipun telah bertindak dengan itikad baik. Kesimpulan dari makalah ini menegaskan pentingnya penguatan regulasi terhadap transparansi status tanah serta evaluasi kebijakan perbankan dalam menerima agunan untuk menghindari sengketa di masa mendatang.
Co-Authors Ahmad Dahlan Ali Abdullah Ali Abdullah, Ali Andreas Sapta Finady Bunga Nur Khofifah dedi irawan Dewi, Ayu Komala Dewi, Hayuningtyas Pramesti Evi Ekawati Finady, Andreas Sapta Hamdan, Muhammad Sirajuddin Qahtan Indah Harlina Jum Anggriani Jum Anggriani Komala Dewi, Ayu RR Utji Sri Wulan Wuryandari Selian, Stella Sadeva Silvia Dantyana Suhendar Suhendar, Suhendar Suwarsit Utji Sri Wulan W