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Banking credit restructuring policy amid COVID-19 pandemic in Indonesia Hari Sutra Disemadi; Ali Ismail Shaleh
Jurnal Inovasi Ekonomi Vol. 5 No. 02 (2020): Economic Challenges in Covid-19 Outbreak
Publisher : Center for Economics, Business and Entrepreneurship Development Faculty of Economics and Business, Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jiko.v5i02.11790

Abstract

In Indonesia, the spread of Coronavirus Disease 2019 (COVID-19) affects economic stability. The problem faced by Indonesia today is that the performance and capacity of debtors in carrying out their credit obligations have been disrupted by the spread of COVID-19, which has the potential to disrupt banking performance in credit management. Encouraging the optimization of the banking intermediary function a policy is needed in tackling the impact of the spread of COVID-19. The research method used is a normative legal research method using secondary data. The results of this study indicate that policy settings in overcoming economic instability due to the spread of COVID-19 are the issuance of policies to provide national economic stimulus through the application of Financial Services Authority Regulation No. 11/POJK.03/2020. This policy regulates the existence of credit restructuring, namely the quality of restructured loans can be determined smoothly if given to debtors identified as being affected by the spread of COVID-19. The implementation of the restructuring scheme can vary and is determined by the policies of each bank depending on the assessment of the debtor's profile and capacity to pay. We emphasize that amid uncertainty, such as the current policy will be truly useful if each party takes the process carefully and responsibly.
The Problems of Consumer Protection in Fintech Peer To Peer Lending Business Activities in Indonesia Hari Sutra Disemadi; Mochammad Abizar Yusro; Wizna Gania Balqis
Sociological Jurisprudence Journal Vol. 3 No. 2 (2020)
Publisher : Fakultas Hukum, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/scj.3.2.1798.91-97

Abstract

Industrial Revolution 4.0 has influenced the development of technology and information. The presence of financial technology (fintech) especially fintech peer to peer lending in Indonesia is proof that the Industrial Revolution 4.0 has had an influence on economic aspects as a fundamental aspect of the country. The implementation of fintech peer to peer lending in providing alternative financing to consumers is currently faced with several problems, especially issues related to consumer protection. This study uses a normative legal research method with a statutory approach. This research shows that the state has tried to provide preventive protection to consumers through several regulations, namely Bank Indonesia Regulation Number 19/12/PBI/2017 concerning the Implementation of Financial Technology that regulates the procedures for implementing fintech in Indonesia and also the OJK Regulation Number 77/POJK.01/2016 on Information Technology-Based Lending and Borrowing Services that regulates OJK's supervisory function in implementing fintech peer to peer lending in Indonesia. This protects consumers through the regulation of digital-based savings and loan providers which must be officially registered to guarantee the legality of the organizer, electronic documents by statutory provisions, and dispute resolution mechanisms in the event of a dispute related to fintech peer to peer lending business activities.
The Position of Crime Resolution Institutions in Indigenous Peoples in the Identity Politics Perspective Blasius Mau Kau; Hari Sutra Disemadi; Y Yusriadi
Jurnal Hukum Prasada Vol. 7 No. 2 (2020): Jurnal Hukum Prasada
Publisher : Magister of Law, Post Graduate Program, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jhp.7.2.2020.79-84

Abstract

One of the demands is to disregard modern justice institutions and utilize customary law as a means to achieve justice for those involved in a criminal offense. But on the other hand, the settlement of the case with customary law turned out to still cause injustice to the victim, and even gave birth to new crimes arising as a result of coercion carried out by the customary leaders of both parties acting as judges. This study discussed about the position of crime resolution institutions in indigenous peoples in the perspective of identity politics and the reassessing the position of crime resolution institutions in indigenous peoples, certainly cannot be separated from the recognition of identity with all the structures and positions of indigenous peoples themselves. This study was designed by using normative legal research approach. The results show that efforts to reassess the position of crime resolution institutions in indigenous peoples, of course, cannot be separated from the recognition of identity with all the structures and positions of indigenous peoples themselves. However, the dominance arising from the resolution of indigenous peoples' crimes is still determined by cultures that are patriarchal, rigid and as if forced from above so as to ignore dialogue both from perpetrators and victims, so that the measure used is the perspective of tribal leaders. However, domination is believed to restore order, order and harmony, but there is one neglected value of ethical legitimacy, namely justice. Therefore, the resolution of crimes against indigenous peoples does not all distribute justice to all parties.
From Youth for 74 Years of Independence of the Republic of Indonesia (Masohi Militancy: Youth Efforts to Eradicate Radicalism And Terrorism) Marthsian Yeksi Anakotta; Hari Sutra Disemadi; Kholis Roisah
Jurnal Hukum Prasada Vol. 7 No. 1 (2020): Jurnal Hukum Prasada
Publisher : Magister of Law, Post Graduate Program, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jhp.7.1.2020.53-60

Abstract

Youth is an important figure of the national movement because youth are the pillars of national development and the future State of Indonesia. However, one of the problems facing Indonesia today is the involvement of youth in radicalism and terrorism. Answering this problem, this research uses normative juridical research methods with a statutory and conceptual approach. This research shows the need for the role and responsibility of youth in tackling radicalism and terrorism. The active role of youth is a reflection of moral strength, social control and agents of change in the development of the nation and the State of Indonesia, while the responsibility of youth can be carried out with masohi militancy efforts. Masohi militancy is a youth attitude that reflects resilience, enthusiasm and passion to cooperate with each other in tackling radicalism and terrorism in Indonesia which is realized through “Panca-P” namely Pembangunan kepemudaan, Pelayanan kepemudaan, Penyadaran pemuda, Pemberdayaan pemuda and Pengembangan pemuda (Youth Development, Youth Services, Youth Awareness, Youth Empowerment, and Youth Development).