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Reconstruction of the Regulation on the Validity Period of the Power of Attorney to Charge Mortgage Rights (SKMHT) in MSME Credit to Ensure Legal Certainty Wibowo, Ihsan Ariyanto; Adonara, Firman Floranta; Soetijono, Iwan Rachmad
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.9048

Abstract

The provision of credit to Micro, Small, and Medium Enterprises (MSMEs) often uses a Power of Attorney to Charge Mortgage Rights (SKMHT) as the initial binding of collateral before making a Deed of Granting Mortgage Rights (APHT). However, the regulation of the SKMHT period creates legal uncertainty, especially regarding Article 15 paragraphs (3) and (4) of the Mortgage Rights Law and banking technical provisions. The ambiguity of norms affects legal protection for creditors and debtors and may cause disputes in executing collateral.This research first analyzes the regulations on the SKMHT period and the vagueness of norms in MSME credit with land collateral. Second, it evaluates the reconstruction of ideal norms for SKMHT period settings to ensure legal certainty and protection in MSME credit practices.The research uses three approaches: the Statute Approach to examine SKMHT regulations, the Conceptual Approach to analyze legal doctrines, and the Comparative Approach to compare legal arrangements or court decisions from other countries.Three legal theories are applied: Legal Certainty Theory to resolve SKMHT term issues, Legal Protection Theory to analyze protection for creditors and debtors, and Responsibility Theory to review obligations of parties in MSME credit.The results show unclear norms cause legal uncertainty, and failure to convert SKMHT into APHT results in nullity. Therefore, reconstruction of SKMHT term norms in MSME credit with land collateral is required to ensure permanent legal force.
Kebijakan Formulasi Jual Beli Aset Kripto yang Melibatkan Notaris dalam Mencegah Tindak Pidana Pencucian Uang Ido Gustiawan Putra; M. Arief Amrullah; Firman Floranta Adonara
As-Syar i: Jurnal Bimbingan & Konseling Keluarga  Vol. 8 No. 2 (2026): As-Syar’i: Jurnal Bimbingan & Konseling Keluarga
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/as.v8i2.11426

Abstract

The rapid development of crypto assets characterized by decentralization, anonymity, and high transaction speed has increased the risk of money laundering, which is not yet fully addressed by Indonesia’s current legal framework. This study aims to analyze the ratio legis of the existing regulatory formulation concerning crypto asset transactions involving Notaries in preventing money laundering and to propose an ius constituendum to strengthen future legal protection. This research employs a normative juridical method using statutory, conceptual, and comparative approaches. The findings indicate that Indonesia’s regulations cover economic aspects and AML measures, however the preventive framework remains sectoral because AML obligations are imposed only on crypto asset traders, resulting in an incomplete preventive protection mechanism. The discussion highlights that involving Notaries as authentic deed officials has the potential to reinforce due diligence, enhance legal certainty, and prevent the misuse of crypto assets for money laundering in accordance with FATF standards. The study concludes that revisions to the Financial Sector Development and Strengthening Law, the Anti-Money Laundering Law, and related regulations are necessary to mandate Notary involvement in every crypto asset transaction as part of a national AML strategy.
Shifting Meaning of State Losses in BUMN Based on the Business Judgment Rule Principle Fona Kartika Listiyapuji; Dyah Ochtorina Susanti; Firman Floranta Adonara
Rechtenstudent Vol. 6 No. 2 (2025): Rechtenstudent August 2025
Publisher : Sharia Faculty, Kiai Haji Achmad Siddiq State Islamic University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/rch.v6i2.361

Abstract

State-owned enterprise faces complex business dynamics, including the risk of state losses due to managerial decisions. The Business Judgment Rule (BJR) principle serves as the basis for legal protection for the direction to make business decisions with professional freedom, as long as the decisions are made in good faith, with caution, and without conflict of interest. However, the application of this principle in Indonesia is still inconsistent, as seen from cases such as Pertamina and Merpati Nusantara Airlines which show heterogeneity in the assessment of the legal responsibility of directors. The focus of this study is: first, to find the meaning of state losses in the context of State-owned enterprise based on the BJR principle; and to formulate a concept so that the BJR doctrine is not misused. The study uses a normative juridical method (research law) with a doctrinal approach to examine changes in the meaning of state losses in State-owned enterprise based on the Business Judgement Rule.
Shaping Green Investment Pathways to Accelerate Sustainable Development Goals (SDGs) Achievement in Indonesia Nurul Hasanah; Moh. Bahrul Ulum; Firman Floranta Adonara; Khoidin Khoidin
Rechtenstudent Vol. 7 No. 1 (2026): Rechtenstudent April 2026
Publisher : Sharia Faculty, Kiai Haji Achmad Siddiq State Islamic University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/rch.v7i1.412

Abstract

The transformation toward sustainable development requires the renewal of the investment law system so that it aligns with environmental, social, and economic principles as mandated in the Sustainable Development Goals (SDGs). This study analyzes the direction of green investment law formation in Indonesia through three main focuses: the existing regulatory framework, juridical barriers in its implementation, and the ideal normative model to strengthen the legal resilience of sustainable investment. The results show that green investment regulations remain sectoral and fragmented across various laws, such as the Investment Law, the Environmental Protection Law, and technical policies like the OJK Green Taxonomy. This fragmentation creates legal uncertainty, overlapping authorities, and gaps between technocratic policies and formal legal norms. These obstacles are exacerbated by weak institutional coordination, the absence of a legal definition of green investment, and the lack of binding incentive and supervision mechanisms. This study recommends the establishment of a lex specialis on green investment, strengthening the legal status of the Green Taxonomy, creating an integrated green licensing system, and reinforcing ecological protection obligations as a mechanism for intergenerational justice. Therefore, the formation of a comprehensive and integrated green investment legal framework is necessary to create legal certainty, enhance the attractiveness of sustainable investment, and strengthen Indonesia’s commitment to achieving the SDGs.
KEWENANGAN NOTARIS MENGESAHKAN PERJANJIAN KAWIN SEBAGAI AMANAT KONSTITUSI Firman Floranta Adonara; Ayu Citra Santyaningtyas
Repertorium: Jurnal Ilmiah Hukum Kenotariatan Vol. 11 No. 1 (2022): Repertorium
Publisher : Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28946/rpt.v11i1.1864

Abstract

The regulation in the Marriage Law Chapter 29 Verse (1) after Constitutional Court Decision Number 69/PUU/XII/2015 has been change into the process of marriage agreement. In the marriage agreement that legalized into Constitutional Court Number 69/PUU/XII/2015 can only be made before the marriage takes place. However, when the Constitutional Court Decision Number 69/PUU/XII/2015 arrives, a marriage agreement can be made as long as the marriage has taken place. The decision of the Constitutional Court Number 69/PUU/XII/2015 also gives a new authority to the Notary to be able to ratify the marriage agreement. Article 29 paragraph (1) of the Marriage Law after the Constitutional Court Decision Number 69/PUU/XII/2015 has provided changes after the Constitutional Court Decision Number 69/PUU/XII/2015 regarding the form of the marriage agreement in the form of a written agreement and must be ratified by the employee The marriage registrar has often been misinterpreted as an authentic deed, resulting in disharmony of implementing regulations related to the form of the marriage agreement.
PERLINDUNGAN HUKUM TERHADAP KREDITUR AKIBAT DEBITUR WANPRESTASI PADA PERJANJIAN PINJAMAN ONLINE Mikhael Putra Kartodiprodjo; I Wayan Yasa; Firman Floranta Adonara
Repertorium: Jurnal Ilmiah Hukum Kenotariatan Vol. 14 No. 2 (2025): Repertorium
Publisher : Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28946/rpt.v14i2.5271

Abstract

Perkembangan teknologi digital yang pesat telah mendorong transformasi layanan keuangan terkhusu pinjaman online yang menawarkan kemudahan serta kecepatan dalam proses transaksi keuangan di Indonesia. Akan tetapi, kemudahan tersebut disertai beberapa tantangan seperti risiko wanprestasi oleh debitur yang berdampak merugikan kreditur. Penelitian ini dimaksudkan untuk menelusuri implikasi hukum dari wanprestasi debitur dalam perjanjian pinjaman online, meninjau bentuk perlindungan hukum yang dapat diberikan kepada kreditur, dan menelaah upaya penyelesaian sengketa yang dapat dilakukan. Metode yang digunakan dalam penelitian ini adalah metode hukum normatif dengan pendekatan peraturan perundang-undangan dan konseptual. Bahan hukum primer, sekunder, serta non-hukum yang relevan dikumpulkan melalui studi kepustakaan. Hasil penelitian menunjukkan bahwa wanprestasi debitur pada perjanjian pinjaman online berimplikasi pada kewajiban pembayaran ganti rugi, pencatatan pada SLIK OJK, serta memberikan hak kepada kreditur untuk menempuh penyelesaian sengketa melalui jalur litigasi atau non-litigasi. Perlindungan hukum terbagi antara perlindungan internal melalui klausul perjanjian serta perlindungan eksternal melalui regulasi pemerintah seperti POJK Nomor 77/POJK.01/2016. Akan tetapi, perlindungan eksternal dirasa masih kurang optimal dikarenakan belum mengatur secara tegas perihal tanggung jawab penyelenggara pinjaman online terhadap kerugian kreditur akibat wanprestasi debitur. Penelitian ini memberi rekomendasi urgensi penyusunan kebijakan yang secara tegas mengatur perihal tanggung jawab penyelenggara selaku penerima kuasa kreditur, pembuatan kontrak yang lebih seimbang, serta mengoptimalkan penyelesaian sengketa melalui non-litigasi untuk memperkuat kepastian serta perlindungan hukum bagi kreditur dalam ekosistem pinjaman online.
Co-Authors Adam Surya Putra Afifah Nur Azizah Angelin, Elmi Nada Anis Khafifah Ashfia Rosyalina Ariaza Ashfia Rosyalina Lailannaja Auliya Safira Putri Ayu Citra Santyaningtyas Azizah, Afifah Nur Bakhouya Driss, Bakhouya Chusnah, Syarifah Deny Akbar Santoso Doni Rian Ardiansyah Dyah Ochtorina Susanti Edi Wahjuni Effendi, A'an Emaniar, Melly Yunandita Erlita, Ita Ermanto Fahamsyah Etik Kurniawati Fahad Abd. Aziz Faran Tatika Fendi Setiawan Fendi Setyawan Fendi Setyawan Fendi Setyawan Fendy Setiawan Firza Nada Salsabila Fona Kartika Listiyapuji Gautama Budi Arundhati, Gautama Budi Gayatri, Annisa Zerlina Cindy Habib Adjie I Gede Widhiana Suarda I Wayan Yasa Ido Gustiawan Putra Ilham Maulana Ivan Christian Wijaya Iwan Rachmad Soetijono, Iwan Rachmad Soetijono, Jeaneta Cahyaningsih Karin Jihananda Deriyanti Khoidin Khoidin Khoidin, Khoidin Kiswah, Maftuha Kumalasari, Nuzulia M. Arief Amrullah M. Kaisario H. Falah M.Virjohn Siyasi M.Virjohn Siyasi Maulida, Fidia Mikhael Putra Kartodiprodjo Moh. Bahrul Ulum Muh Fanny Chamdani Muhammad Hafidz Ridho Muthiurrohman, Achmad Naufal Pasya Lingga Ariaza Niswatu Filmadina Nurholis Majid, Nurholis Nurul Hasanah Nuzulia Kumala Sari Nuzulia Kumala Sari Okta, Enggita Anggraeni Permatasari, Intan Permatasari Prakoso, Bhim Prakoso, Chrisdrianto Aji Prasetiyo, Rio Wibowo Agung Putra, Ido Gustiawan Putra, Ramadhani Hidayat Priyono Putri, Auliya Safira Rahmadi Indra Tektoka Rahmadi Indra Tektona Rita Bayu Astuti Rukaman Wibisono, Wina Febrianti Samuel Saut Martua Samosir Shilvya, LIke Olivia Soetijono, Iwan Rachmad Sonia Wijaya Putra Suhayati, Kurniyah Sunardi, Arwin Ardianto Tasya Monica Tektoka, Rahmadi Indra Wahjuni, Edi Wahjuni, Edi Wibowo, Ihsan Ariyanto Wijaya, Ersalmaika Aprilian Yanwar Triya Nurjanah Yunita Pramesti Ardi Nurva Yusuf Adiwibowo, Yusuf