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All Journal Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada Media Iuris Notaire Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Perspektif Hukum Hang Tuah Law Journal Lex Journal : Kajian Hukum dan Keadilan Realism: Law Review
Indira Retno Aryatie
Fakultas Hukum Universitas Airlangga
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Tanggung Gugat Penerima Pinjaman Aplikasi Pinjaman Online atas Penyalahgunaan Data Pribadi Milik Pihak Ketiga Indira Retno Aryatie; Farah Diba; Karina Ardelia Irnanda
Notaire Vol. 5 No. 1 (2022): NOTAIRE
Publisher : Fakultas Hukum Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ntr.v5i1.33658

Abstract

AbstractOnline loan agreements can be done easily and quickly and without complicated terms. One of the conditions in applying for an online loan is granting contact list access by the debtor to the provider as emergency access to collect his receivables to the debtor. However, the provision of the contact number is done by the debtor without the consent of the third party of the contact owner. This is a misuse of personal data in the form of third party’s contact numbers. This research aims to analyze the misuse of personal data in the form of third party’s contact numbers by debtors and what legal efforts can be made by the third party concerned. The approach used in this research consists of a statutory approach and a conceptual approach. The result of this study is that the misuse of personal data in the form of third party’s numbers carried out by debtors is an unlawful act, thus the legal efforts that can be done by the aggrieved third party is filing a claim for damages on the basis of unlawful acts to the Court.Keywords: Online Loans; Personal Data; Unlawful Acts; Legal effort.AbstrakPerjanjian pinjam-meminjam uang secara onlinedapat dilakukan dengan mudah dan cepat serta tanpa persyaratan yang rumit. Salah satu syarat dalam melakukan pengajuan pinjaman online tersebut yaitu pemberian akses daftar kontak oleh penerima pinjaman kepada penyelenggara sebagai akses darurat untuk menagih piutangnya kepada penerima pinjaman. Namun pemberian nomor kontak tersebut dilakukan penerima pinjaman tanpa persetujuan pihak ketiga pemilik kontak. Hal tersebut merupakan penyalahgunaan data pribadi berupa nomor kontak pihak ketiga. Penelitian ini bertujuan untuk menganalisis perbuatan penyalahgunaan data pribadi berupa nomor kontak pihak ketiga oleh penerima pinjaman dan upaya hukum apa yang dapat dilakukan oleh pihak ketiga yang bersangkutan. Pendekatan yang digunakan dalam penelitian ini terdiri dari pendekatan perundang-undangan dan pendekatan konseptual. Hasil dari penelitian ini adalah penyalahgunaan data pribadi berupa nomor pihak ketiga yang dilakukan oleh penerima pinjaman merupakan perbuatan melanggar hukum, maka upaya hukum yang dapat dilakukan oleh pihak ketiga yang dirugikan adalah pengajuan gugatan ganti rugi atas dasar perbuatan melanggar hukum kepada Pengadilan. Kata Kunci: Pinjaman Online; Data Pribadi; Perbuatan Melanggar Hukum; Upaya Hukum.
Akibat Hukum Bagi Bank Bila Kewajiban Modal Inti Minimum Tidak Terpenuhi Indira Retno Aryatie; Adityo Waskito Nugroho
Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada Vol 22, No 2 (2010)
Publisher : Fakultas Hukum Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (347.357 KB) | DOI: 10.22146/jmh.16223

Abstract

As an implementation of the Indonesian Banking Architecture policy, the government issues Bank Indonesia Regulation No. 9/16/ PBI/2007 on Minimum Tier One Capital that increases the minimum capital to 100 billion rupiah. This writing discusses the legal complication that a bank will face should it fail to fulfil the minimum ratio. Sebagai tindak lanjut dari kebijakan Arsitektur Perbankan Indonesia, pemerintah mengeluarkan Peraturan Bank Indonesia 9/16/PBI/2007 tentang Kewajiban Modal Inti Minimum Bank yang menaikkan modal inti minimum bank umum menjadi 100 miliar rupiah. Tulisan ini membahas akibat hukum yang akan dialami bank bila kewajiban modal minimum tersebut gagal dipenuhi.
Perlindungan Konsumen Muslim atas Produk Halal Bambang Sugeng Ariadi Subagyono; Trisadini Prasastinah Usanti; Zahry Vandawati Chumaida; Fiska Silvia; Indira Retno Aryatie
Perspektif Hukum VOLUME 20 ISSUE 2
Publisher : Faculty of Law Hang Tuah University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30649/ph.v20i2.82

Abstract

Every religious adherent is guaranteed to choose and practice his religion, so the state is obliged to provide protection and guarantee regarding the halalness of the products used and used by the community. Whereas in society there are still many conclusions about various products that have not been guaranteed their halalness and regulations have not provided legal certainty and guarantees for Muslim communities. So to provide legal certainty the promulgation of Law number 33 of 2014 concerning Halal Product Guarantee. The guarantee for the implementation of Halal Products is aimed at providing comfort, safety, and certainty of information on Halal Products for the public in consuming and using Products, as well as increasing added value for Business Actors to produce and sell Halal Products. The halal certificate must be submitted by the business actor in writing to BPJPH while the determination of the halalness of the product is still carried out by MUI through the Halal Fatwa Session. This research is a normative legal research that uses a statute approach and a conceptual approach.
Kekuatan Pembuktian Sertipikat Hak Atas Tanah (Konvensional dan Elektronik) Indira Retno Aryatie; Oemar Moechthar; Angela Melani Widjaja
Perspektif Hukum VOLUME 22 ISSUE 1
Publisher : Faculty of Law Hang Tuah University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30649/ph.v22i1.88

Abstract

Land is one of the important elements for social lives. Because really that important, the land which was the one of elements of the agrarian in the life of the Indonesian constitutionality has been regulated in Law Number 5 of 1960. This arrangement is intended to ensure a certainty of legal, in which the land was necessary a land registration in order to provide such certainty and legal protection to the rights holders, their rights which later on the outcome of those with registration certificate as a strong evidence. However due to the development of technology that so rapidly now this, then in terms of registering land even until issue certificates have can be done online/electronic. So that with the latest regulation regarding electronic acticity creates a new problem in terms of proof power between conventional certificates and electronic certificates.
The Principle of Justice in the Weakness of Objective Rights Holders Against Privileges Rights Holders Trisadini Prasastinah Usanti; Indira Retno Aryatie; Oemar Moechthar
Media Iuris Vol. 6 No. 2 (2023): MEDIA IURIS
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/mi.v6i2.41755

Abstract

AbstractMaterial guarantees create material rights with superior characteristics. One is absolute, that is, the right holder can enforce material rights against anyone. It is as if nothing can beat the holder’s position of material guarantee in the event of a conflict with concurrent creditors and creditors holding privileges. However, this absolute character can be weakened by law. In certain circumstances, such as the right to collect the cost of saving the collateral object, the position of the creditor holding the material guarantee must surrender to the creditor with the privilege. Creditors can even threaten their position by not getting full repayment because the object of the material guarantee is to pay the bill from the creditor who holds the privilege first. The problem analyzed in this article concerns the principle of justice associated with weakening the characteristics of material rights in material guarantees for privileges. This study uses statutory, conceptual, and case approaches. The result of this study is that the creditor’s bills of the holder of the privilege arising from the salvage of collateral objects must take precedence over the bills of creditors of property security holders. This is considered fair, whereby the salvage of collateral causes creditors to remain in their preferred creditor position.Keywords: Justice; Absolute; Material Rights; Material Security; Privileges.
The Law of Judiciary Power Synergizing the Positivism and Historicism Christiani Widowati; Indira Retno Aryatie
Hang Tuah Law Journal VOLUME 2 ISSUE 1, APRIL 2018
Publisher : Fakultas Hukum Universitas Hang Tuah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30649/htlj.v2i1.179

Abstract

Judiciary Power. Indonesia applies Civil Law System; that considers legislation as the primary legal source. Preferring legislation as a legal source is one characteristic of positivism. The Civil Law System, however, mentions that judges are obligated to see the values in society if the legislation does not set for that. It implicitly refers to societal law, including common Law. Taking the common law as a legal source is the characteristic of historicism as well; mentioning that the soul of a nation (volkgeist) derives from the values living in society. Basically, these two schools are contradictory to one another in their perspective of law. Positivism sees that state-made law is the only applied law. The law of Judiciary Power synergies between these two schools and takes a common low as a legal source for judges to make a decision.
Prinsip Kaffah Pada Rahn Tasjily di Pegadaian Syariah Wulan, Dewi Nawang; Aryatie, Indira Retno
Notaire Vol. 6 No. 3 (2023): NOTAIRE
Publisher : Fakultas Hukum Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ntr.v6i3.51348

Abstract

AbstractThis research discusses the principle of Kaffah in the Rahn Tasjily contract used by Sharia Law as an accessoir contract in burdening customer's guarantee objects with product names Arrum BPKB. The focus of the discussion focuses on the loading of Rahn Tasjily as a guarantee of materiality that is reviewed based on Law No. 42 of 1999 on Fiduciary and Fatwa DSN MUI No. 68 of 2008 and led to the analysis of the kaffah principle of the Rahn Tasjily contract used in Pegadaian Syariah. This research uses a conceptual approach with reference to the views and doctrines that develop in the legal science regarding the principle of Kaffah in the scope of Islamic economics. In addition, this research also uses a statutory approach by analyzing all laws and regulations related to the regulation of contracts Rahn tasjily and using a case approach by analyzing several rulings of Sharia economic disputes related to the Rahn tasjily contract. The results of the study concluded that the Kaffah principle does not apply thoroughly to the Rahn tasjily contract in Pegadaian Syariah because the provisions with a half-hearted nature based on loading by using the Fiduciary Guarantee above the Rahn tasjily contract and the executive power that is not owned by the Rahn tasjily contract cause the implementation of the contract in vain so that it is felt necessary for further arrangements or statutory regulations of syaria guarantee the issue of rahn tasjily contracts in Pegadaian Syariah.Keywords: Principle of Kaffah; Rahn Tasjily; Fiduciary; Pegadaian Syariah. AbstrakPenelitian ini membahas mengenai prinsip Kaffah pada akad rahn tasjily yang digunakan oleh Pegadaian Syariah sebagai akad accessoir dalam membebani benda jaminan milik nasabah dengan nama produk Arrum BPKB, fokus pembahasan menitik beratkan pada pembebanan rahn tasjily sebagai jaminan kebendaan yang ditinjau berdasarkan UU Jaminan Fidusia dan Fatwa DSN MUI Nomor 68 Tahun 2008 serta mengarah pada analisis dari prinsip Kaffah akad rahn tasjily yang digunakan di Pegadaian Syariah. Penelitian ini menggunakan pendekatan konseptual dengan acuan pandangan-pandangan serta doktrin-doktrin yang berkembang dalam ilmu hukum mengenai prinsip Kaffah dalam lingkup ekonomi syariah, selain itu menggunakan pendekatan perundang-undangan dengan menganalisis seluruh peraturan perundang-undangan dan regulasi terkait pengaturan akad rahn tasjily serta menggunakan pendekatan kasus dengan menganalisis beberapa putusan sengketa ekonomi syariah terkait dengan akad rahn tasjily. Hasil penelitian memberikan kesimpulan bahwa prinsip Kaffah tidak berlaku secara menyeluruh pada akad rahn tasjily di Pegadaian Syariah sebab ketentuan dengan sifat setengah-setengah berdasarkan pembebanan menggunakan Jaminan Fidusia diatas akad rahn tasjily serta kekuatan eksekutorial yang tidak dimiliki oleh akad rahn tasjily menyebabkan keberlakuan akad yang sia-sia sehingga dirasa perlu untuk adanya pengaturan lebih lanjut atau regulasi dalam bentuk Undang-Undang Jaminan Syariah yang mengatur perihal akad rahn tasjily di pegadaian syariah. Kata Kunci: Prinsip Kaffah; Rahn Tasjily; Jaminan Fidusia; Pegadaian Syariah.
KEWENANGAN WAKIF TERHADAP HARTA BENDA WAQAF Usanti, Trisadini Prasastinah; Aryatie, Indira Retno; Yuniarti
Lex Journal: Kajian Hukum & Keadilan Vol 5 No 1 (2021): July
Publisher : Faculty of Law, University of Dr. Soetomo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25139/lex.v5i1.4074

Abstract

Waqf assets are wakif property which can be proven by proof of ownership of the said assets. The types of waqf assets include immovable and movable objects. The formulation of the problem to be analyzed is the wakif authority over waqf assets. The approach used is a statute approach and a conceptual approach. With regard to immovable objects, the proof of ownership of the said property is a certificate of land rights, if the waqf property is in the form of land rights, then the authority to act as wakif is the name printed on the certificate. The meaning of movable objects in the Waqf Law can be categorized into registered objects and unregistered objects. For a registered movable object, there is proof of ownership, so the authority is the name written in the proof of ownership, while the unregistered movable object applies the principle in Article 1977 BW that whoever controls the object is deemed the owner of the object, then the competent authority is the one who controls the object in good faith.
THE ISRAELI PRODUCT BOYCOTT MOVEMENT IN THE PERSPECTIVE OF CONSUMER PROTECTION LAW IN INDONESIA Setyawati, Ria; Aryatie, Indira Retno; bin Abdul Rahman, Nasarudin
Realism: Law Review Vol. 3 No. 2 (2025): Realism: Law Review
Publisher : Sabtida

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71250/rlr.v3i2.67

Abstract

The boycott of Israeli products in Indonesia reflects both solidarity with Palestine and the exercise of consumer rights. This study aims to analyze the boycott movement from the perspective of Indonesian consumer protection law, particularly Law No. 8 of 1999 on Consumer Protection (UUPK). Using a normative juridical method with a statute and conceptual approach, the research examines how consumer rights are exercised in ethical consumption practices and how legal obligations are imposed on businesses. The findings indicate that boycotts can be regarded as part of consumers’ rights to make choices based on moral and ethical considerations, although legal and economic challenges may arise. Businesses are required to provide accurate product information, while unclear labeling often hinders consumer decision-making. The study also discusses the legal and economic implications of boycotts in the context of international trade, underscoring the importance of regulatory frameworks that ensure transparency and strengthen consumer protection when ethical dilemmas shape purchasing decisions
Sertifikat Merek Sebagai Alternatif Solusi Pada Tindakan Penyelesaian Kredit Bermasalah Kurniawan, Ari; Sujatmiko, Agung; Usanti, Trisadini Prasastinah; Aryatie, Indira Retno
Jurnal Pengabdian Masyarakat: Pemberdayaan, Inovasi dan Perubahan Vol 5, No 5 (2025): JPM: Pemberdayaan, Inovasi dan Perubahan
Publisher : Penerbit Widina, Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/jpm.v5i5.1894

Abstract

Micro, small, and medium enterprises (MSMEs), including street vendors, contribute significantly to the national economy, both in terms of employment and local economic turnover. However, MSMEs often face various obstacles, particularly in terms of access to financing and sustainable business management. The COVID-19 pandemic has exacerbated this situation with a decline in people's purchasing power, disruption of supply chains, and reduced turnover, causing many businesses to struggle to meet their credit obligations. As a result, there has been an increase in non-performing loans (NPLs), which not only harm financial institutions but also threaten the survival of MSMEs themselves. In the context of resolving non-performing loans, the conventional approach of using physical collateral such as land and buildings is often inaccessible to MSMEs with minimal assets. Therefore, trademark certificates can be offered as an alternative solution. Legally registered trademarks have economic value as intellectual property that can be used as fiduciary collateral or credit restructuring instruments. By utilizing trademark certificates, MSMEs not only have the opportunity to strengthen their business identity and competitiveness, but also gain a new instrument for resolving non-performing loans. This approach opens up innovative space in inclusive financing while expanding recognition of intellectual property-based assets in the national financial system.ABSTRAKUsaha Mikro, Kecil, dan Menengah (UMKM) termasuk Pedagang Kaki Lima (PKL) memiliki kontribusi signifikan terhadap perekonomian nasional, baik dalam penyerapan tenaga kerja maupun perputaran ekonomi lokal. Namun, UMKM kerap menghadapi berbagai kendala, terutama dalam hal akses pembiayaan dan pengelolaan usaha yang berkelanjutan. Pandemi COVID-19 memperburuk kondisi ini dengan menurunnya daya beli masyarakat, terganggunya rantai pasok, serta berkurangnya omset yang menyebabkan banyak pelaku usaha kesulitan memenuhi kewajiban kreditnya. Akibatnya, muncul fenomena kredit bermasalah (non-performing loan/NPL) yang tidak hanya merugikan pihak lembaga keuangan, tetapi juga mengancam kelangsungan usaha UMKM itu sendiri. Dalam konteks penyelesaian kredit bermasalah, pendekatan konvensional melalui jaminan fisik seperti tanah dan bangunan sering kali tidak dapat diakses oleh UMKM yang minim aset. Oleh karena itu, sertifikat merek dapat ditawarkan sebagai alternatif solusi. Merek yang telah terdaftar secara hukum memiliki nilai ekonomi sebagai kekayaan intelektual yang dapat dijadikan jaminan fidusia atau instrumen restrukturisasi kredit. Dengan memanfaatkan sertifikat merek, UMKM tidak hanya memiliki peluang untuk memperkuat identitas usaha dan daya saing, tetapi juga memperoleh instrumen baru dalam penyelesaian kredit bermasalah. Pendekatan ini membuka ruang inovatif dalam pembiayaan inklusif sekaligus memperluas pengakuan terhadap aset berbasis kekayaan intelektual dalam sistem keuangan nasional.
Co-Authors Adityo Waskito Nugroho Agung Sujatmiko Angela Melani Widjaja ARI KURNIAWAN Bambang Sugeng Ariadi Subagyono bin Abdul Rahman, Nasarudin Christiani Widowati Farah Diba Fiska Silvia Raden Roro Karina Ardelia Irnanda Oemar Moechthar Setyawati, Ria Trisadini Prasastinah Usanti Wulan, Dewi Nawang Yuniarti Zahry Vandawati Chumaida