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All Journal Acta Comitas PADJADJARAN Jurnal Ilmu Hukum (Journal of Law) Tazkia Islamic Finance and Business Review Syntax Literate: Jurnal Ilmiah Indonesia Widya Yuridika Nagari Law Review Jurnal Poros Hukum Padjadjaran COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Jurnal Bisnis, Manajemen & Ekonomi i-Latinnotary Journal: Internasional Journal of Latin Notary Jurnal Hukum dan Peradilan Hakim: Jurnal Ilmu Hukum dan Sosial
Tri Handayani
Universitas Padjadjaran
Arts Humanities Astronomy Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Urgency of the Regulation of Certification as an Attempt to Optimize the Human Resources in Developing Indonesia’s Sharia Insurance lastuti abubakar Gani; Tri Handayani
Tazkia Islamic Finance and Business Review Vol. 9 No. 2 (2015)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v9i2.82

Abstract

Objectives - The development of Islamic insurance in Indonesia contributed to economic growth in 2014. The principle of mutual cooperation and tabarru contract is a characteristic of Islamic insurance. The Opportunity to increase the role of Islamic insurance as an economic entity is done by utilizing various aspects of human resource readiness. Human Resource are required to have a comprehensive understanding of Islamic insurance in order to create compliance with Islamic principles for product and services offered.It can provide legal protection against the Takaful participants. Issues to be examined is how the readiness of the relevant regulatory certification and how Regulatory model certification appropriate human resources in order to develop Islamic insurance in Indonesia.              Methods -The method used is a normative juridical that through the efforts of an inventory of rules and descriptive analytical. To obtain the appropriate regulatory models, a legal comparison method is employed.Results - Based on the research results, the regulation of certification is required and should include the human resources, starting from a selling agent to the management as a decision maker. This regulation will push the entire human resources involved in the Islamic insurance industry to has the capacity and capability in providing services to the public, and to ensure and guarantee that the services offered comply with Islamic principles. Association of Islamic Insurance Indonesia was initiated concerning certification provisions, but has not been followed by a strong regulations readiness as a legal basis.Conclusion -Therefore we need a comprehensive regulation and it must be issued by Indonesian Financial Services Authority.
Analisis Peraturan Penggunaan QRIS Sebagai Kanal Pembayaran Pada Praktik UMKM Dalam Rangka Mendorong Perkembangan Ekonomi Digital Gabriella Junita Tobing; Lastuti Abubakar; Tri Handayani
Acta Comitas Vol 6 No 03 (2021)
Publisher : Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/AC.2021.v06.i03.p3

Abstract

Abstract The purpose of this study is to analyze the Regulation of the Use of QRIS as an innovation of Bank Indonesia in the payment system and to know its Policy Implementation in business development or MSME activities as an effort to accelerate the development of the digital economy. The research method used is normative juridical research method as well as legal history, with descriptive analytical specifications. Data collection from this study is assisted by the method of document study and interview which is then analyzed qualitatively. Based on the results of this study, it was obtained that the implementation of QRIS based on existing regulations through PADG has not been optimal and comprehensive, then further regulations are needed to regulate the problem of digital economic innovation that can reach QRIS users to even the smallest sectors, such as PBI. Thus, MSMEs can help play a role in creating inclusive finance so as to encourage the development of the digital economy in Indonesia. Abstrak Tujuan penelitian ini adalah untuk menganalisis Peraturan dari Penggunaan QRIS sebagai inovasi Bank Indonesia dalam sistem pembayaran serta mengetahui Implementasi Kebijakannya dalam pengembangan bisnis atau kegiatan UMKM sebagai upaya percepatan perkembangan ekonomi digital. Metode penelitian yang digunakan adalah metode penelitian yuridis normatif serta sejarah hukum, dengan spesifikasi deskriptif analitis. Pengumpulan data dari penelitian ini dibantu dengan metode studi dokumen serta wawancara yang kemudian dianalisis secara kualitatif. Berdasarkan hasil penelitian ini, diperoleh bahwa Pelaksanaan QRIS berdasarkan peraturan yang ada melalui PADG belum optimal dan komprehensif, maka dibutuhkan peraturan lebih lanjut untuk mengatur permasalahan inovasi ekonomi digital yang dapat menjangkau pengguna QRIS sampai ke sektor yang terkecil sekalipun, layaknya PBI. Dengan demikian UMKM dapat membantu berperan mendorong perkembangan ekonomi digital di Indonesia.
Strengthening Indonesian Banking Industry to Comply with ASEAN Banking Integration Framework Concerning Reciprocity and Gap-Reduction Principles Tri Handayani; Lastuti Abubakar; Supraba Sekarwati W; Ida Nurlinda
PADJADJARAN Jurnal Ilmu Hukum (Journal of Law) Vol 5, No 2 (2018): PADJADJARAN JURNAL ILMU HUKUM (JOURNAL OF LAW)
Publisher : Faculty of Law, Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (359.008 KB)

Abstract

AbstractIndonesia maintains the commitment to strengthen economic growth and to promote financial stability in the ASEAN region. However, the differences of the economic growth among the ASEAN members become an obstacle for the ASEAN Banking Integration Framework (ABIF). The ABIF promotes the gap-reduction to enhance the ASEAN members’ capacity to get benefits from the integration framework. However, some countries make some exceptions for the ABIF agenda. One of the benefits of ABIF is that Indonesia Banks can have access to broader market. To get the access, Indonesia has to fulfill as Qualified ASEAN Banks (QABs). One of the criteria is sufficient capital of banks. QABs requires bilateral agreement between state parties and promote the reciprocity and gap reduction principles. For instance, according to a schedule of specific commitment for banking sector, Indonesia and Malaysia had launched commercial presence on July 2017. One of the Indonesian Bank that comply with the criteria of QABs is PT. Bank Mandiri (Persero). It has established a branch office in Malaysia by the end of 2017. Thus, it proves that the Indonesian banking industry is ready to compete in the ASEAN Market.AbstrakIndonesia berkomitmen untuk tetap memperkuat pertumbuhan ekonomi dan meningkatkan stabilitas keuangan di wilayah ASEAN. Namun demikian, perbedaan pertumbuhan ekonomi diantara Negara-negara anggota ASEAN menjadi hambatan terlaksananya ASEAN Banking Integration Framework (ABIF). ABIF pada dasarnya dibentuk dengan tujuan untuk mengurangi kesenjangan dan meningkatkan kapasitas Negara-negara anggota ASEAN sehingga mendapatkan manfaat dari ABIF, walaupun beberapa negara masih dikecualikan dari beberapa agenda yang disepakati dalam ABIF. Pelaksanaan ABIF didasarkan pada perjanjian bilateral. Berdasarkan schedule of specific commitment Indonesia dan Malaysia meluncurkan kegiatan komersial banking pada July 2017. Salah satu Bank dari Indonesia yang memenuhi kriteria QABs adalah PT. Bank Mandiri (Persero) dan akan mengoperasikan kantor cabang penuh di Malaysia pada akhir 2017. Dengan demikian, merupakan suatu bukti bahwa industri perbankan Indonesia sudah siap menghadapi persaingan di Pasar ASEAN. DOI: https://doi.org/10.22304/pjih.v5n2.a5 
Analisis Pembatalan Perjanjian Secara Sepihak Dalam Reservasi Akomodasi Pariwisata Secara Online Melalui Agoda Berdasarkan Prinsip Hukum Perdata Internasional Chandradhika Putra Atletico; Susilowati Suparto; Tri Handayani
Widya Yuridika Vol 4, No 2 (2021): Widya Yuridika: Jurnal Hukum
Publisher : Universitas Widya Gama Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/wy.v4i2.2893

Abstract

The rapid development of information and communication technology is bringing changes to human interaction in entering the business transaction area. As one of the multisectors needed by society, tourism sector continues to innovate and diversify in its various products and services, one of which is through the application of technology in digital-based business activities called e-tourism. Agoda is one of the e-tourism platforms originating and operating in Singapore. Transactions between consumers and Agoda can cause quite complex problems due to the presence of foreign elements in it. This research aims to clearly know the provisions regarding unilateral cancellation of the agreement and its settlement based on the principles of International Civil Law and obtain legal certainty regarding the legal protection of the aggrieved party under applicable law. This research uses normative juridical approach methods with descriptive analytical research specifications. The type of data used is secondary data using qualitative juridical analysis methods. The research results explain that settlement was resolved using principles of International Civil Law, customer can take legal steps by conducting a civil damages prosecution through the Singapore court and under Singapore law. Under applicable regulations, aggrieved customers still get full legal rights and have the right to claim damages for unfair practices in transactions.
ASEAN REGIONAL ARBITRATION BOARD: AN ALTERNATIVE DISPUTE RESOLUTION IN THE ASEAN REGION WITHIN THE FRAMEWORK OF THE ASEAN ECONOMIC COMMUNITY Dian Maris Rahmah; Tri Handayani
Jurnal Hukum dan Peradilan Vol 8, No 3 (2019)
Publisher : Pusat Strategi Kebijakan Hukum dan Peradilan Mahkamah Agung RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25216/jhp.8.3.2019.333-352

Abstract

Transactions among ASEAN member countries are increasingly open with the release of the ASEAN Economic Community (MEA). Entrepreneurs in ASEAN countries are expected to make more transactions with their business partners in the Southeast Asian region. Increasing business relations in the ASEAN region will in part affect the increase in disputes among ASEAN entrepreneurs. This study aims to provide an idea regarding the establishment of the ASEAN Regional Arbitration Agency as an effort to overcome the issue of the execution of arbitration decisions by utilizing regional unification. This research is descriptive analytical using a normative juridical approach. The results of the study show that ASEAN should be a place for resolving international commercial disputes, especially on business transactions carried out in the ASEAN member countries, if ASEAN has a regional arbitration forum, the procedure for resolving business disputes in this region will be simpler, more effective and easier. Legal system barriers can also be overcome if there are procedures that are jointly recognized.
IMPLIKASI HUKUM PEMANFAATAN OPEN APPLICATION PROGRAMMING INTERFACE TERHADAP LAYANAN PERBANKAN DIKAITKAN DENGAN KETENTUAN PERBANKAN DIGITAL Sara Agnes Nathania; Lastuti Abubakar; Tri Handayani
Jurnal Poros Hukum Padjadjaran Vol. 4 No. 2 (2023): JURNAL POROS HUKUM PADJADJARAN
Publisher : Fakultas Hukum Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23920/jphp.v4i2.1209

Abstract

ABSTRAK Digitalisasi perbankan mendorong munculnya Open Application Programming Interface (Open API) yang memungkinkan bank untuk berkolaborasi dengan pihak ketiga yaitu fintech dan/atau e-commerce dengan membuka data transaksi nasabah. Hal ini dapat menimbulkan implikasi pada layanan perbankan dan keamanan data nasabah. Maka dari itu dilakukan penelitian ini guna untuk mencari tahu implikasi pelaksanaan Open API terhadap layanan perbankan dan upaya perlindungan data nasabah pasca berlakunya Peraturan Dewan Gubernur Nomor 23/15/PADG/2021 tentang Implementasi Standar Nasional Open API Pembayaran. Metode penelitian yang digunakan adalah metode penelitian yuridis normatif. Penelitian ini menggunakan spesifikasi deskriptif analitis pada sumber hukum primer dan hukum sekunder. Data yang telah diperoleh selanjutnya dianalisis menggunakan metode normatif kualitatif. Berdasarkan hasil penelitian ini, diperoleh bahwa Implementasi pelaksanaan Open API terhadap layanan perbankan memberikan kemudahan dan kenyamanan dalam bertransaksi serta dapat melengkapi ekosistem produk. Ekosistem produk yang terafiliasi menjadi lebih beragam dengan adanya layanan perbankan yang dapat diakses melalui aplikasi pihak ketiga. Selanjutnya, bentuk perlindungan hukum telah diberikan guna melindungi data nasabah yang menjadi alat tukar dalam kolaborasi yang dijalin oleh bank dan pihak ketiga .Kata kunci: open api; open banking; implikasi hukum. ABSTRACT The Covid-19 pandemic demands that all activities be carried out digitally using information and communication technology, including banking activities. Banking digitization encourages the emergence of the Open Application Programming Interface (Open API) which allows banks to collaborate with third parties, namely fintech and/or e-commerce by opening customer transaction data. This can have implications for banking services and customer data security. This study aims to explain the implications of implementing Open API for banking services and efforts to protect customer data after the entry into force of the Board of Governors Regulation Number 23/15/PADG/2021 concerning Implementation of the Payment Open API National Standard.The research method used is normative juridical research method. This study uses analytical descriptive specifications on primary and secondary legal sources. The data that has been obtained is then analyzed using qualitative normative methods. Based on the results of this study, it was found that there were implications for all financial transactions after standardization, namely PBI SNAP. So banks are required to adjust their service activities in accordance with PBI SNAP where banking as a financial institution is a PJP. Furthermore, a form of legal protection has been provided to protect customer data which is a medium of exchange in collaborations established by banks and third parties. Keywords: open api; legal implications; legal protection
Analisis Yuridis Terkait Perkara Tindak Pidana Korupsi yang Dikategorikan Sebagai Perbuatan Melawan Hukum Perdata Sehingga Mengakibatkan Putusan Lepas Fianka Bella Sari; Elis Rusmiati; Tri Handayani
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (280.724 KB) | DOI: 10.36418/syntax-literate.v8i4.11639

Abstract

Tindak pidana korupsi merupakan salah satu masalah utama bagi perekonomian Indonesia. Namun banyak perkara tindak pidana korupsi yang diputus lepas atas dasar perbuatan yang didakwakan bukan merupakan suatu tindak pidana, melainkan masuk ranah hukum perdata yang dalam hal ini Perbuatan Melawan Hukum. Penelitian ini bertujuan untuk menganalisis proses pembuktian serta klasifikasi Perbuatan Melawan Hukum dalam kasus korupsi sehingga mengakibatkan putusan lepas (ontslag van alle rechtsvervolging). Metode Penelitian dilakukan dengan pendekatan yuridis normatif dan yuridis empiris dengan spesifikasi penelitian bersifat deskriptif analitis. Serta didukung oleh penelitian lapangan berupa hasil wawancara kemudian diolah secara kualitatif sehingga menghasilkan penelitian yang diuraikan secara deskriptif. Hasil dari penelitian ini menunjukan terdapat beberapa perbuatan yang dikategorikan bukan sebagai merupakan suatu tindak pidana dikarenakan perbuatan melawan hukum yang dilakukan bukan terhadap peraturan perundang-undangan melainkan terhadap hak subjektif orang lain dan kewajiban hukum pelaku yang mengakibatkan perbuatan tersebut dikategorikan sebagai suatu Perbuatan Melawan Hukum dalam ranah hukum perdata sehingga pengadilan memutuskan untuk memutus lepas Terdakwa.
IMPLEMENTASI PENYALURAN KREDIT MIKRO DALAM POJK NOMOR 19/POJK.03/2014 TENTANG LAYANAN KEUANGAN TANPA KANTOR (LAKU PANDAI) DI SEKTOR PERBANKAN GUNA MEWUJUDKAN KEUANGAN INKLUSIF Cut Sabina Anasya Zulkarnain; Lastuti Abubakar; Tri Handayani
Jurnal Bisnis, Manajemen & Ekonomi Vol. 17 No. 2 (2019): Jurnal Bisnis Manajemen & Ekonomi
Publisher : Universitas Widyatama

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (799.085 KB)

Abstract

Usaha Mikro, Kecil, dan Menengah atau yang lebih dikenal dengan UMKM mempunyai peranan yang strategis dalam pembangunan ekonomi domestik, karena terbukti berhasil menyumbang angka yang besar terhadap PDB. Menyerap banyak tenaga kerja dan berperan dalam pertumbuhan ekonomi daerah karena lokasinya yang tersebar hingga ke pelosok daerah. POJK Nomor 19/POJK.03/2014 tentang Layanan Keuangan Tanpa Kantor telah disahkan sejak tahun 2014 untuk salahs atunya mendukung perkembangan UMKM dari segi permodalan yang merupakan salah satu kendala perkembangan UMKM di pelosok daerah saat ini, namun hingga saat ini tahun kelima POJK Laku Pandai berjalan, OJK mengklaim penyaluran kredit mikro ini belum optimal. Hal ini berimplikasi kepada belum terpenuhinya target Keuangan Inklusif di Indonesia yang menetapkan UMKM menjadi salah satu sasaran utama dalam Strategi Nasional Keuangan Inklusif. Tujuan dari penelitian ini adalah mengetahui implementasi POJK Nomor 19/POJK.03/2014 tentang Layanan Keuangan Tanpa Kantor dalam hal penyaluran kredit mikro sehingga diharapkan dapat mengubah pandangan masyarakat bahwa Laku Pandai bukan hanya sebatas layanan simpanan, pembayaran atau bertransaksi namun lebih dari itu, Laku Pandai jika dikelola dengan tepat juga mampu menjadi pionir keuangan inklusif bagi UMKM di Indonesia dan masyarakat secara umum. Metode penelitian yang digunakan penulis adalah yuridis normatif. Hasil penelitian adalah minimnya penyaluran kredit mikro Laku Pandai disebabkan oleh minimnya edukasi Agen dan UMKM masih belum memenuhi kriteria penilaian pengajuan kredit, karena Bank tetap harus memperhatikan prinsip kehati-hatian sebagaimana amanat Pasal 8 Undang-Undang Perbankan.
Readiness of Banks in Intellectual Property-Based Financing Lastuti Abubakar; Dewi Kania Sugiharti; Tri Handayani
International Journal of Latin Notary Vol. 4 No. 1 (2023): Internasional Journal of Latin Notary, September 2023
Publisher : Magister Kenotariatan Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/journal.v4i1.60

Abstract

The creative economy is an economic resource expected to become a pillar of Indonesia's economic growth. One of the ecosystems developed is intellectual property-based financing that arises from cultural heritage, science, and technology. From a banking perspective, intellectual property as an object of credit/financing guarantees cannot yet be accepted by banks because there are no technical guidelines for both valuation and the profession of intellectual property appraisal. In contrast, banks must adhere to prudential banking principles. This leads to the implementation of intellectual property-based financing practices still needs to be done by the bank. Furthermore, concerning the execution of intellectual property guarantees, the auction office still needs a legal basis for legal certainty in its implementation, particularly for forms of intellectual property guarantees in the form of contracts and collection rights arising from creative economic activities. Based on the research results, the following results are obtained: 1) there are no technical guidelines for Banks to accept the intellectual property as collateral objects; 2) intellectual property is a complex asset, so the Appraiser profession must be submitted to a public appraiser possessing expertise it is crucial in the domain of intellectual property to be officially registered with the Ministry of Tourism and Creative Economy. The auction office is willing to conduct intellectual property executions provided there exists a legal foundation associated with licensing. valuation, and legal protection of intellectual property to attract public interest in executing intellectual property auctions.
Nominee Agreement dalam Pengalihan Kepemilikan Saham Perseroan Terbatas Ditinjau dari Aspek Hukum Perjanjian dan Hukum Perseroan Terbatas Fitri Riani Baharudin; Lastuti Abubakar; Tri Handayani
Hakim Vol 2 No 2 (2024): Mei : Jurnal Ilmu Hukum dan Sosial
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/hakim.v2i2.1735

Abstract

Nominee agreement as development of agreement is an implementation of the unnamed agreement (innominaat) regulated in Article 1319 of the Civil Code. The existence of this agreement in Indonesia does not constitute a form of agreement that violates the provisions of contract law even though it has not been regulated expressly and specifically. However, if the agreement is made in conflict with or not in accordance with the provisions of the laws in force in Indonesia, then this would cause legal problems. This research method was carried out using a normative juridical approach with descriptive analytical research specifications. The results of this research show that the position of the nominee agreement in the transfer of share ownership is null and void. By making the agreement null and void, it returns the parties to their original state and has implications for the company.
Co-Authors Chandradhika Putra Atletico Cut Sabina Anasya Zulkarnain Dewi Kania Sugiharti Dian Maris Rahmah Elis Rusmiati Fianka Bella Sari Fitri Riani Baharudin Gabriella Junita Tobing Ida Nurlinda Lastuti Abubakar lastuti abubakar Gani Memed Sueb Nun Harrieti Reza Irawan Sara Agnes Nathania Supraba Sekarwati W Susilowati Suparto Tjia Siauw Jan