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Journal : JURNAL MAGISTER HUKUM UDAYANA

Standard Contract on Banking Sector: Regulation and Description in Internal Banking Regulations Desak Putu Dewi Kasih; Putu Devi Yustisia Utami
Jurnal Magister Hukum Udayana (Udayana Master Law Journal) Vol 10 No 2 (2021)
Publisher : University of Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JMHU.2021.v10.i02.p05

Abstract

This study aims to determine the regulations regarding standard contracts in the banking sector after the existence of the authority of the Otoritas Jasa keuangan, to find out the legal consequences of violations of the provisions of standard contracts carried out by banking financial services and to determine efforts to prevent violations of standard contracts by banking financial services. This is normative legal research with with statutory approach and a conceptual approach. The results show that the regulation regarding the standard contract after the existence of the OJK as a financial service consumer protection agency is regulated through the Financial Services Authority Regulation (POJK) No.1/POJK.07/2013 concerning Consumer Protection in the Financial Services Sector and in the Financial Services Authority Circular Letter (SEOJK) No. 13 /SEOJK.07 / 2014 regarding the Standard contract. The legal consequences of violating the provisions of the standard contract are not regulated in the POJK and the SEOJK. When it compared with the provisions of article 18 paragraph (3) of the Consumer Protection Law which explicitly states that violations of article 18 paragraphs (1) and (2) result in standard clauses being null and void, POJK and SEOJK only require financial service actors to make action plan, hence it is deemed to have no clear legal consequences. One of the efforts that must be made by banking financial service actors to prevent violations of the provisions of the standard contract is by making standard contract regulations independently and elaborating them in the internal banking regulations.
Standard Contract on Banking Sector: Regulation and Description in Internal Banking Regulations Desak Putu Dewi Kasih; Putu Devi Yustisia Utami
Jurnal Magister Hukum Udayana (Udayana Master Law Journal) Vol 10 No 2 (2021)
Publisher : University of Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JMHU.2021.v10.i02.p05

Abstract

This study aims to determine the regulations regarding standard contracts in the banking sector after the existence of the authority of the Otoritas Jasa keuangan, to find out the legal consequences of violations of the provisions of standard contracts carried out by banking financial services and to determine efforts to prevent violations of standard contracts by banking financial services. This is normative legal research with with statutory approach and a conceptual approach. The results show that the regulation regarding the standard contract after the existence of the OJK as a financial service consumer protection agency is regulated through the Financial Services Authority Regulation (POJK) No.1/POJK.07/2013 concerning Consumer Protection in the Financial Services Sector and in the Financial Services Authority Circular Letter (SEOJK) No. 13 /SEOJK.07 / 2014 regarding the Standard contract. The legal consequences of violating the provisions of the standard contract are not regulated in the POJK and the SEOJK. When it compared with the provisions of article 18 paragraph (3) of the Consumer Protection Law which explicitly states that violations of article 18 paragraphs (1) and (2) result in standard clauses being null and void, POJK and SEOJK only require financial service actors to make action plan, hence it is deemed to have no clear legal consequences. One of the efforts that must be made by banking financial service actors to prevent violations of the provisions of the standard contract is by making standard contract regulations independently and elaborating them in the internal banking regulations.
Pengaturan Lembaga Penjamin Polis pada Perusahaan Asuransi di Indonesia Ni Putu Sintha Tjiri Pradnya Dewi; Desak Putu Dewi Kasih
Jurnal Magister Hukum Udayana (Udayana Master Law Journal) Vol 9 No 4 (2020)
Publisher : University of Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JMHU.2020.v09.i04.p06

Abstract

This study aims to analyze the policy underwriting organization arrangements in insurance companies in Indonesia and the absence of a policy guarantor institution at insurance companies in Indonesia. The method used in research related to the regulation of policy insurance institutions in insurance companies in Indonesia uses normative juridical legal research. This study uses a statutory approach or statute approach to analyze legal issues in this study. Sources of legal materials in this study consist of primary legal materials, secondary legal materials, and also tertiary legal materials. The results of this study found that the insurance company has not regulated the policy guarantor in Indonesia in positive law in Indonesia even though it has been mandated in Law Number 40 of 2014 concerning Insurance. The absence of regulations regarding policy underwriters in insurance companies in Indonesia has resulted in public distrust of insurance companies, so it is necessary to regulate policies related to insurance companies in insurance companies in Indonesia. Penelitian ini bertujuan untuk menganalisis pengaturan lembaga penjamin polis pada perusahaan asuransi di Indonesia serta tidak adanya lembaga penjamin polis pada perusahaan asuransi di Indonesia. Metode yang digunakan dalam penelitian terkait pengaturan lembaga penjamin polis pada perusahaan asuransi di Indonesia ini menggunakan jenis penelitian hukum yuridis normatif. Penelitian ini menggunakan pendekatan perundang-undangan atau statute approach untuk menganalisis isu hukum dalam penelitian ini. Sumber bahan hukum dalam penelitian ini terdiri dari bahan hukum primer, bahan hukum sekunder, dan juga bahan hukum tersier. Hasil dari penelitian ini menemukan bahwa belum diaturnya lembaga penjamin polis pada perusahaan asuransi di Indonesia dalam hukum positif di Indonesia walaupun telah diamanatkan dalam Undang-Undang Nomor 40 tahun 2014 tentang Perasuransian. Tidak adanya pengaturan terkait lembaga penjamin polis pada perusahaan asuransi di Indonesia mengakibatkan ketidakpercayaan masyarakat terhadap perusahaan asuransi, sehingga perlu pengaturan terkait lembaga penjamin polis pada perusahaan asuransi di Indonesia.
MENGUJI ASAS DROIT DE SUITE DALAM JAMINAN FIDUSIA I Made Sarjana; Desak Putu Dewi Kasih; I Gusti Ayu Kartika
Jurnal Magister Hukum Udayana (Udayana Master Law Journal) Vol 4 No 3 (2015)
Publisher : University of Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (430.215 KB) | DOI: 10.24843/JMHU.2015.v04.i03.p01

Abstract

The principle of droit de suite is one of the most important principles in the law of guarantee,especially in fiduciary security. The principle implies that the rights of the creditor as therecipient of the fiduciary objects continue to follow the object of guarantee, wherever theobject is, to guarantee the repayment of the debts of the debitor. The rights which are ownedby the creditor as the recipient of fiduciary security in the principle seem to be absolute, butin fact if it is related to de practice, the principle of droit de suite has certain limitations.The limitations of this principle is whon it is faced with higher interest, the individual rightsowned by the recipient of fiduciary must succumb, as in the case of illegal logging, whichonce was decided to test the Forestry Law by the Constitutional Court (Case DecisionNumber 012/PUU-III/2005). Although the State can perform fiduciary deprivation of theobject which is used for committing illegal logging, but from the aspect of material criminallaw, it cannot be done immediately to destroy the object of guarantee, since object of thefiduciary collateral, is not considered a dangerous thing. Whereas, from the legal aspects ofcriminal procedure, if the case has been decided, then there is a duty of the State to returnthe object of fiduciary to those who own it.From the aspect of civil law, the creditor as recipient of fiduciary who feel harmed as aresult of illegal logging practices may have standing to sue for damages under Article 1365of Burgerljik Wetboek. The provision is used, because the act of illegal logging is an actagainst the law and there are losses caused to the recipient of fiduciary.
Model Perjanjian Escrow : Kajian Tentang Kewenangan dan Tugas Notaris Sebagai Penyedia Jasa Escrow Anak Agung Bagus Juniarta; Desak Putu Dewi Kasih
Jurnal Magister Hukum Udayana (Udayana Master Law Journal) Vol 11 No 1 (2022)
Publisher : University of Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JMHU.2022.v11.i01.p15

Abstract

The purpose of this paper is to analyze, identify, and elaborate on the concept of escrow or escrow accounts including escrow agreements in relation to buying and selling transactions in Indonesia and to examine the role of Notaries as providers of escrow services in buying and selling transactions in Indonesia based on the prevailing laws and regulations. apply. This paper is a paper that used a normative legal research method using a statutory approach, a conceptual approach and an analytical approach. The results of the study show that the concept of escrow service is a service provided by a neutral or impartial third party with the aim of storing documents, securities, goods or money, based on a written agreement between the seller, buyer and escrow holder, where the agreement contains instructions on the procedures and conditions for the delivery of documents, securities, goods or money to certain parties, as well as the authority of a notary as a provider of escrow services in buying and selling transactions is not regulated in UUJN-P especially in Article 15 UUJN-P does not explain that a notary is authorized as escrow service provider in buying and selling transactions, so in other words a Notary does not have the authority to become an escrow service provider in buying and selling transactions. Tujuan penulisan ini adalah untuk menganalisa, mengidentifikasi, dan mengelaborasi konsep escrow atau escrow account termasuk juga perjanjian escrow dalam kaitannya dengan kegiatan transaksi jual beli di Indonesia serta mengkaji mengenai peran Notaris sebagai penyedia jasa escrow dalam transaksi jual beli di Indonesia berdasarkan peraturan perundang-undangan yang berlaku. Tulisan ini adalah tulisan yang menggunakan metode penelitian hukum normatif dengan menggunakan pendekatan peraturan perundang-undangan (statute approach), pendekatan konsep (conceptual approach) dan pendekatan analisis (analytical approach). Hasil studi menunjukkan bahwa konsep jasa escrow adalah suatu jasa yang diberikan oleh pihak ketiga yang bersifat netral atau tidak memihak dengan tujuan untuk menyimpan dokumen, surat berharga, barang atau uang, berdasarkan atas perjanjian tertulis antara penjual, pembeli dan pemegang escrow, dimana perjanjian tersebut berisi instruksi tentang tata cara dan kondisi untuk penyerahan atas dokumen, surat berharga, barang atau uang ke pihak tertentu, serta Kewenangan notaris sebagai penyedia jasa escrow dalam transaksi jual beli tidak diatur dalam UUJN-P khususnya dalam Pasal 15 UUJN-P tidak menjelaskan Notaris berwenang sebagai penyedia jasa escrow dalam transaksi jual beli, sehingga dengan kata lain Notaris tidak memiliki kewenangan untuk menjadi penyedia jasa escrow dalam transaksi jual beli.
Penta-Helix Collaboration: Enhancing the Protection of Communal Intellectual Property in Bali Desak Putu Dewi Kasih; Ni Ketut Supasti Dharmawan; Putu Aras Samsithawrati
Jurnal Magister Hukum Udayana (Udayana Master Law Journal) Vol 13 No 2 (2024)
Publisher : University of Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JMHU.2024.v13.i02.p02.

Abstract

This study aims to elaborate the policies related to the protection of communal intellectual property related to creative economy businesses in the tourism sector and to strengthen the protection of communal intellectual property by carrying out an inventory of traditional cultural expressions in Bali, especially in Gianyar Regency based on a penta-helix collaboration. This is socio-legal research with statutory, conceptual, economic, and technological approaches. The study indicated that communal intellectual property in the form of traditional cultural expressions has high economic value hence, it can be used to support the tourism creative economy business while still prioritizing the values ??that are believed by the community. Inventory must be carried out in accordance with Article 7 of Permenkumham 13/2007. The inventory has been carried out in Bali, although it has not been maximized. Inventory of traditional cultural expressions shall be carried out sustainably in the form of a penta-helix collaboration.
Co-Authors A A Gede Agung Dharmakusuma A. A. Gede Agung Dharmakusuma A. A. Istri Esa Septianingrum Semara A.A Bagus Adhi Mahendra Putra A.A. Gede Agung Dharmakusuma AA Gede Agung Dharma kusuma Agung Bagus Adhi Mahendra Putra Alvyn Chaisar Perwira Nanggala Pratama Anak Agung Bagus Juniarta Anak Agung Gede Duwira Hadi Santosa Anak Agung Istri Ari Atu Dewi Anak Agung Istri Laksmi Lestari Anak Agung Ngurah Bagus Candra Dinata Anak Agung Ngurah Bhaskara Ananda Putra Anak Agung Ngurah Oka Satria Krisna Anak Agung Sagung Wiratni Darmadi Any Prima Andari Atmaja, I Komang Tri Bagus Julio Suroso Bagus Wyasa Putra, Ida Bagus Yoga Pratama Baskoro, Yonathan Andre Bella Kharisma Bima Bagus Wicaksono Brahmanta Awatara, Nyoman Genta Calvin Smith Houtsman Sitinjak Deris Stiawan Desy Rositawati Dewa Gde Rudy Dewa Gede Agung Oka Dharma Palguna Diah Wijana Putri Dwijayanthi, Putri Triari Edy Nurcahyo Gde Made Swardhana Gde Putu Oka Yoga Bharata Gede Wiriya Kusuma Gusti Ayu Putu Leonita Agustini Herawati, Kadek Mery Herlina, Putu I Dewa Gede Surya Pradita I Gede Agus Kurniawan I Gede Arya Badra Suta I Gede Arya Juniardana I Gede Panca Sudiarta I Gede Willy Pramana I Gust i Ngurah Wairocana I Gusti Agung Mas Rwa Jayantiari, I Gusti Agung I Gusti Ayu Indra Dewi Dyah Pradnya Para I Gusti Ayu Kartika I Gusti Ayu Putri Kartika, I Gusti Ayu I Gusti Ayu Trisna Komala I Gusti Ketut Ariawan I Gusti Ketut Ariawan I Gusti Ngurah Bagus Surya Kusuma I KETUT ARYA PRAYOGA I KETUT SUDANTRA I KETUT WESTRA I Made Arya Utama I MADE DARMADI YOGA I Made Sarjana I Made Sarjana I MADE SUBAWA I Made Udiana I Nengah Putra Wijaya Ronthi I Nyoman Darmadha I Nyoman Hery Huryadinatha I Nyoman Triambara Saputra I Putu Agus Tresna Rustiawan I Putu Angga Suwidya Putra I Putu Bimbisara Wimuna Raksita I Putu Gede Arya Ery Pratama I Wayan Arnita I Wayan Deva Pradita Putra Ibrahim R Ibrahim R Ibrahim R Ida Ayu Imasz Casabana Ida Ayu Putu Widhiantini Ida Bagus Gde Gni Wastu Ida Bagus Putu Sutama Ira Kusuma Wardani, Putu Ayu Kadek Adnan Dwi Cahya Kadek Agus Sudiarawan Kadek Dedy Suryana Kadek Septia Ningsih Kadek Widhi Pradnya Gita Komang Indra Suputra Krisna Yanti, A.A. Istri Eka Made Pramanaditya Widiada Made Pramanaditya Widiada Made Suksma Prijandhini Devi Salain Mahaswari, Mirah Marwanto Marwanto Marwanto Marwanto, Marwanto Meliana, Astri Moisa, Robert Vaisile Muhammad Maulana M Ni Kadek Erlina Wijayanthi Ni Kadek Mira Lady Virginia Ni Ketut Devi Damayanti Ni Ketut Purwanti Ni Ketut Supasti Dharmawan Ni Made Dwi Andiari Ni Putu Ayu Yulistyadewi Ni Putu Diah Puspita Sari Ni Putu Purwanti Ni Putu Sari Wulan Amrita Ni Putu Sintha Tjiri Pradnya Dewi Ni Putu Sintha Tjiri Pradnya Dewi Ni Putu Suryantari Nurcahyo, Edy Nyoman Satyayuda Dananjaya Nyoman Satyayudha Dananjaya Pebry Dirgantara, Pebry Priskila Putrayasa Putu Aras Samsithawrati Putu Aras Samsithawrati Putu Arif Sanjaya Putu Gede Arya Sumertayasa Putu Harini Putu Krisna Dirgayasa Putu Netta Sukmayanti R.A Retno Murni Raksita, I Putu Bimbisara Wimuna Resta, Ngurah Wahyu Sagung Putri M. E. Purwani Satyayuda Dananjaya, Nyoman Sawitri, Dewa Ayu Dian Selvi Marcellia Suatra Putrawan Sugeng Santoso Sumardika, I Nyoman Suryantari, Ni Putu Tjok Istri Putra Astiti Tjokorda Gde Bagus Mahadewa Tude Trisnajaya Ustriyana, Made Grazia Wayan Windia, I Yuliana Christina Metan