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All Journal JURNAL LITIGASI (e-Journal) KEADILAN PROGRESIF FIAT JUSTISIA: Jurnal Ilmu Hukum Unifikasi: Jurnal Ilmu Hukum Tadulako Law Review Jurnal Bina Mulia Hukum Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam PACTUM LAW JOURNAL Jurnal Pro Hukum : Jurnal Penelitian Bidang Hukum Universitas Gresik Yustisia Merdeka : Jurnal Ilmiah Hukum Pena Justisia: Media Komunikasi dan Kajian Hukum Res Nullius Law Journal Jurnal Hukum Sasana JURNAL RECTUM: Tinjauan Yuridis Penanganan Tindak Pidana Indonesia Private Law Review PERAHU (PENERANGAN HUKUM) : JURNAL ILMU HUKUM Jurnal Kewarganegaraan Journal Presumption of Law Case Law Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance Formosa Journal of Multidisciplinary Research (FJMR) JUSTICIA SAINS: Jurnal Ilmu Hukum Jurnal Pengabdian Masyarakat Tapis Berseri Aurelia: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia LEX SUPERIOR Journal of Constitutional Law Society (JCLS) Journal of Law, Education and Business Jurnal Multidisiplin Teknologi dan Arsitektur JIM: Jurnal Ilmiah Mahasiswa Pendidikan Sejarah JURNAL RETENTUM Al-Zayn: Jurnal Ilmu Sosial & Hukum Jurnal Pengabdian UMKM Journal of Accounting Law Communication and Technology SAKOLA: Journal of Sains Cooperative Learning and Law Journal of Citizen Research and Development Journal of Health Education Law Information and Humanities Journal of Constitutional, Law and Human Rights Dialogia Iuridica Rechtsnormen: Journal of Law
Lukmanul Hakim
Universitas Bandar Lampung
Religion Humanities Astronomy Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Social Sciences Other

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CONTROLLING THE IMPLEMENTATION PRUDENTIAL PRINCIPLES IN BANKING LANDING BY FINANCIAL SERVICES AUTHORITY Zaini, Zulfi Diane; Hakim, Lukmanul
Tadulako Law Review Vol 3, No 1 (2018)
Publisher : Tadulako University

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Abstract

Sources of collection of banking funds collected from the community are then distributed to the community in the form of credit. If the amount of funds disbursed by the bank to the community through credit are not refundable in accordance with the term has been agreed, the credit quality can be classified as non-performing loans or often referred to as Non Performing Loan (NPL). The impact of high NPL levels is disrupted by the liquidity of each banking institution.Research Objectives are: (1) To analyze the supervision of the application of prudential principles in the provision of bank credit conducted by the Financial Services Authority under the Act Number 21 of 2011 on the Financial Services Authority. (2) To analyze the inhibiting factors in supervising the application of prudential principles in the provision of bank credit by the Financial Services Authority. Furthermore, this research uses research method with normative juridical approach, that is by collecting secondary data that is literature materials, as a technique to get information through tracing legislation and other regulations in accordance with research problems and then the data is analyzed by qualitative juridical .The results of the research show that (1) Supervision of prudential principles in the provision of bank credit conducted by the Financial Services Authority under the  Act Number 21 of 2011 concerning Financial Services Authority shall be conducted by Compliance Based Supervision (CBS), that is Compliance Monitoring banks against provisions relating to the operation and management of banks in the past in order to ensure that the bank has been operating and managed properly and properly according to prudential principles. In addition, Risk Based Supervision (RBS) is implemented, ie supervision using risk-based strategies and methodologies that enable bank supervisors to detect significant risks early and take appropriate and timely monitoring actions. (2) Inhibiting factors in supervising the application of prudential principles in the provision of bank credit conducted by the Financial Services Authority is one of the most important that customers often in providing data to the Bank inaccurate and the existence of the prospective customer's delay in completing the file submission of credit.  Keywords:  Supervision, Financial Services Authority, Prudential Banking  Principles, Credit
LEGALITAS USAHA DEPOT AIR MINUM ISI ULANG DIKAITKAN DENGAN PERLINDUNGAN KONSUMEN Hakim, Lukmanul; Oktaria, Eka Travilta
PACTUM LAW JOURNAL Vol 1, No 04 (2018): Pactum Law Journal
Publisher : Fakultas Hukum

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Abstract

Seiring dengan meningkatnya kebutuhan masyarakat terutama dalam hal ini mendorong para pelaku usaha untuk mendirikan usaha depot air minum isi ulang yang dapat memberikan lapangan pekerjaan baru bagi pelaku usaha. Dalam mendirikan usaha depot air minum isi ulang pelaku usaha wajib memperhatikan legalitas kegiatan usaha, sehingga dalam menjalankan kegiatan usahanya, bagi pelaku usaha akan mendapatkan perlindungan hukum terhadap usaha yang dijalaninya. Begitupun bagi konsumen yang akan mengkonsumsi air minum isi ulang dapat terhindar dari perilaku curang atau tidak adil yang dilakukan oleh pelaku usaha. Pokok bahasan dalam penelitian ini adalah legalitas usaha yang dimiliki depot air minum isi ulang serta kaitannya pada perlindungan terhadap konsumen pengguna depot air minum isi ulang.Metode penelitian yang digunakan untuk menjawab permasalahan dalam penelitian ini adalah dengan menggunakan pendekatan Yuridis Normatif - Empiris yaitu dengan cara mempelajari serta mengkaji bahan-bahan atau teori-teori yang berkaitan dengan pemenuhan legalitas usaha depot air minum isi ulang. Data yang dipergunakan adalah data sekunder yang diperoleh dengan cara studi pustaka dan data primer sebagai penunjang data skunder dengan cara wawancara. Pengolahan data dilakukan dengan beberapa tahap, yaitu seleksi data, klasifikasi data, dan sistematika data. Selanjutnya data tersebut diolah dan dianalisis secara kualitatif.Hasil penelitian dan pembahasan menunjukan bahwa pelaku usaha depot air minum isi ulang pada umumnya belum memenuhi legalitas usaha terhadap usaha yang dijalaninya. Dokumen legalitas bentuk usaha dapat diketahui dalam akta pendirian perusahaan, nama perusahaan, serta merk perusahaan. Setiap usaha yang menjalankan kegiatan usahanya wajib memenuhi syarat legalitas operasional usaha. Setiap perusahaan yang telah memenuhi syarat legalitas operasional usaha tersebut dinyatakan sebagai usaha yang mempunyai bukti legalitas kegiatan usaha. Dokumen Legalitas kegiatan usaha yang dimaksud terdiri atas Tanda Daftar Perusahaan (TDP), Bukti Tanda Daftar Usaha Perdagangan (TDUP), Surat Izin Usaha Perdagangan (SIUP), dan Pembukuan. Depot air minum isi ulang diwajibkan memiliki sertifikat laik hygiene sebagai legalitas usaha yang khusus dari dinas kesehatan, dan depot air minum isi ulang telah memenuhi legalitas kegiatan usahanya, seperti memiliki tanda daftar usaha perusahaan, surat izin usaha perdagangan, dan surat izin  tempat usaha. Perlindungan hukum terhadap konsumen dapat ditempuh dengan cara Preventif dan Represif. Berdasarkan Pasal 19 UUPK, pelaku usaha bertanggungjawab memberi ganti kerugian, pengembalian uang ataupun pemberian santunan yang sesuai dengan ketentuan peraturan perundang-undangan yang berlaku apabila terbukti bersalah. Selain itu, menurut Pasal 23 UUPK pelaku usaha yang menolak dan/atau tidak memberi tanggapan dan/atau tidak memenuhi ganti rugi atas tuntutan konsumen sebagaimana dimaksud dalam Pasal 19 ayat (1), ayat (2), ayat (3), dan ayat (4) dapat digugat melalui badan penyelesaian sengketa konsumen atau mengajukan kebadan peradilan ditempat kedudukan konsumen. Kata Kunci : Legalitas, Usaha, Depot Air Minum, Perlindungan Konsumen.
Pembiayaan Murabahah Pada Perbankan Syariah dalam Perspektif Hukum di Indonesia Hakim, Lukmanul; Anwar, Amelia
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol 1 No 2 (2017): Desember
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

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Abstract

Islamic Bank is a bank that uses Sharia principles in conducting its business activities where the legal basis of the implementation of sharia principles refers to AlQuran and Al-Hadith as well as some other regulations related to the business activities of Islamic banks namely Financial Intermediary which collects and distributes funds to the public. in distribution activities to this community there are some financing that is run in the principles of sharia such as financing the sale or we used to know the agreement murbahah. Murabahah is one of the most common types of contracts (akad) applied in financing activities of sharia banking. Murabahah is applied through the mechanism of sale and purchase of goods with the addition of margin as profit to be obtained by the bank. 
TINJAUAN YURIDIS PERLINDUNGAN HUKUM TERHADAP KONSUMEN PENGGUNA SISTEM ONLINE PAYMENT POINT BANK Hakim, Lukman
Jurnal Bina Mulia Hukum Vol 3, No 1 (2018): Jurnal Bina Mulia Hukum
Publisher : Fakultas Hukum Universitas Padjadjaran

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Abstract

ABSTRAKSalah satu produk yang diterapkan oleh lembaga perbankan adalah adanya sistem payment secara online. Dalam sistem payment online point, bank berfungsi sebagai lembaga penyedia jasa dalam lalu lintas pembayaran. Kedudukan hukum konsumen/nasabah sistem payment yang menggunakan jasa perbankan dalam melakukan tagihan pembayaran kepada pelaku usaha. Peraturan perundang-undangan, khususnya di bidang perbankan maupun peraturan di bidang perlindungan konsumen telah mengatur secara jelas tentang perlindungan terhadap hak-hak para konsumen/pelanggan yang terlibat dalam sistem payment  online bank, khususnya dalam hal terjadinya keluhan terhadap pihak bank maupun nasabah pengguna. Metode yang digunakan dalam penelitian ini adalah dengan cara yuridis normatif. Dalam penelitian ini, ada dua pendekatan pokok yang digunakan yaitu: Pendekatan Perundang-undangan (statute approach), serta Pendekatan Konsep (conceptual approach). Penelitian hukum normatif didasarkan data sekunder dan menekankan pada langkah-langkah spekulatif-teoritis dan analisis normatif-kualitatif. Perlindungan hukum terhadap konsumen yang telah menggunakan jasa perbankan yang menggunakan Sistem Online Payment Point dapat dilihat dalam POJK Nomor 1 Tahun 2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan dimana dalam POJK tersebut tertuang perlindungan hukum kepada nasabah pengguna jasa perbankan yang melindungi nasabah dalam menggunakan produk dan jasa perbankan khususnya dalam sistem pembayaran yang menggunakan sistem online dalam perkembangan teknologi saat ini.Kata kunci: bank; hukum; konsumen; payment; perlindungan. ABSTRACTOne of the product used by banking institutions is online payment system. In the online point payment system, the bank becomes service provider under a payment traffic. Legal standing of the consumer in such customer payment system is the user of banking services in billing payments to business actors. Laws and regulations, especially in the banking sector and regulations in the field of consumer protection, have clearly regulated the protection of the rights of consumers or customers involved in the bank’s online payment system, especially in the presence of complaints against the bank. The method used in this study is a normative juridical method. There are two main approaches that are used in this research, namely: Legislation, and Concept Approach. Normative legal research is based on secondary data and emphasizes speculative-theoretical steps and normative-qualitative analysis. Legal protection for consumers who have used banking services in the Online Payment Point system can be seen in the Financial Services Authority Regulation Number 1 of 2013 concerning Consumer Protection in the Financial Services Sector where legal protection is provided to customers who use banking services that protect customers in using banking products and services especially in payment systems.Keywords: bank; costumer; law; payment; protection. DOI:  https://doi.org/10.23920/jbmh.v3n1.8 
ANALISIS YURIDIS KEKUATAN HUKUM YURISPRUDENSI SEBAGAI DASAR PERTIMBANGAN HAKIM DALAM MEMUTUS TINDAK PIDANA PERZINAHAN (Studi di Pengadilan Negri Kelas I A Tanjung Karang) Lukmanul Hakim; Ryan Ramadhan
KEADILAN PROGRESIF Vol 12, No 2 (2021): September
Publisher : Universitas Bandar Lampung (UBL)

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Abstract

The role of jurisprudence in Indonesia is so important, apart from being a source of jurisprudential law, it becomes a guide for judges in deciding cases.Jurisprudence is a court decision that has permanent legal force. There are weaknessesin the formulation of Article 284 of the Criminal Code, so judges can make a kind oflegal discovery by exploring the values prevailing in society in order to decide courtcases. The problems in this study are as follows: 1) How is the legal force ofjurisprudence as the basis for judges' considerations in the settlement of cases ofadultery; 2) How is the determination of jurisprudence as a binding source of law inreflecting a sense of justice, providing benefits and guaranteeing legal certainty. Thisresearch method uses a normative juridical approach obtained from literature writing(Library Research) and Field Research (Field Research) using secondary and primarydata, and data analysis with qualitative juridical analysis. The results of the study showthat it is the judge who is most responsible for incorporating or combining juridical andnon-juridical elements through the decisions he makes. However, the threateningdecision handed down by the judge also does not provide a deterrent effect to theperpetrators and cannot be used as a lesson for other parties who have the potential tocommit the crime. A judge's decision must not only be fair, but must be beneficial for the person concerned and the community and guarantee legal certainty. The suggestion submitted is that it is hoped that judges who handle adultery crimes in the future takeinto account social, cultural and moral values that apply in the midst of people's lives,and not only base their decisions on juridical provisions alone.
Prinsip Kehati-Hatian pada Lembaga Perbankan dalam Pemberian Kredit Lukmanul Hakim; Travilta Oktaria
KEADILAN PROGRESIF Vol 9, No 2 (2018): September
Publisher : Universitas Bandar Lampung (UBL)

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Abstract

Banks are institutions that channel credit as much as possible and serves to increase the need for services for banking services to the community. Banking competition is increasingly stringent, banks are required to proactively provide credit products that can meet the needs of diverse communities with innovative product design, competitive, responsive to the needs of customers and profitable.To anticipate and review the competition between one bank with another bank, the funds collected must be planned properly and maximally so that it can be channeled to the community through a credit loan. In connection with the application of prudential banking principles or known as prudential banking. The problem of this research is how to apply prudential principles in lending to customers. The method used in this study  is the normative juridical approach, the examination of the rules, norms, rules and further analysis of the data used is qualitative jurisdiction. Based on the results of the research shows that the application of prudential principles in the provision of credit to customers conducted by banking institutions to minimize the occurrence of bad loans. Implementation of several rules before giving credit to customers has been done, by implementing the basic principles of crediting and carrying out prudential principles such as Principle 5C which is character, capacity, capital, collateral, and condition of economy.
Regulasi Pemerintah dalam Pasar Modal pada Era Otoritas Jasa Keuangan (OJK) Lukmanul Hakim
KEADILAN PROGRESIF Vol 8, No 2 (2017): September
Publisher : Universitas Bandar Lampung (UBL)

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Abstract

The capital market is a very dynamic industry, attractive, constantly changing, which is one element that is a benchmark for economic progress of a country in which traits - traits industrialized countries as well as new industry is the capital market has been growing and developing well. Characteristics is a consequence of the need for an independent regulator and ready to face the dynamics of these changes. Based on Law No. 8 of 1995 on Capital Markets, guidance, regulation, and daily supervision conducted by Bapepam Capital Market which aims to achieve capital market activities orderly, fair and efficient and protect the interests of investors and the public. After the establishment of the Financial Services Authority in which the passing of Law No. 21 Year 2011 on the Financial Services Authority, the agency is an independent body replacing the oversight function performed by BAPEPAM.
Analisis Alternatif Penyelesaian Sengketa Antara Pihak Nasabah dengan Industri Jasa Keuangan pada Era Otoritas Jasa Keuangan (OJK) Lukmanul Hakim
KEADILAN PROGRESIF Vol 6, No 2 (2015): September
Publisher : Universitas Bandar Lampung (UBL)

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Abstract

Banking is one of the institutions that have an important and strategic role in various fields, among others in community activities, especially in the field of financial and economic activities to meet the needs of any particular individual. The continued development of the banking business is currently pushing the more the likelihood of disputes between bank customers and banks which could reduce public confidence in the Bank. As from January 2014 the functions, duties and powers of regulation and supervision of banking mediation activities previously carried out by Bank Indonesia (BI), which has now been transferred to the Financial Services Authority (FSA). Then, after the FSA has a role in dispute resolution, including out of court dispute resolution conducted by the FSA through the Institute of Alternative Dispute Resolution (LAPS).
The Alternative Model Settlement of Credit Problems in Banking Agencies Lukmanul Hakim
Fiat Justisia: Jurnal Ilmu Hukum Vol 12 No 2 (2018)
Publisher : Universitas Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25041/fiatjustisia.v12no2.1299

Abstract

Currently, the bank had a very important and very strategic role in various fields, as mandated by Law No. 7 on 1992 as amended and added into Law No. 10 on 1998 concerning banking where the bank has the main function of collecting and channeling the funds back to the community. Currently, the community cannot be separated from the banking world because it is no longer a public secret that banking services are very helpful towards the economic activities, especially entrepreneurs who want to expand their business. The research method used to answer the problems in this research is to use the normative legal research approach which is also called theoretical legal research or dogmatic legal research because it does not study the implementation of legal imperative. Data processing is done by several stages, namely data selection, data classification, and data systematics. Furthermore, the data is processed and analyzed qualitatively. The results of research and discussion show that legal certainty made by the government as an effort to protect the banks and debtors while the efforts that can be taken in settlement of troubled banks can be made by reconditioning, restructuring, and rescheduling. Besides the existence of 3R as one of the problems solving loan models, there are also models of problem-solving loans such as selling collateral underhand or takeover. Keywords: Model Alternative Settlement, Credit, Problematic, Banking.
Prevention and Handling of the Crisis of Financial Systems in Banking Institutions Zulfi Diane Zaini; Lukmanul Hakim
Fiat Justisia: Jurnal Ilmu Hukum Vol 13 No 2 (2019)
Publisher : Universitas Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25041/fiatjustisia.v13no2.1567

Abstract

Handling of troubled banks currently carried out has been carried out coordinated by related institutions including the Ministry of Finance, Bank Indonesia, the Financial Services Authority and the Deposit Insurance Corporation, as mandated by Law Number 9 of 2016 concerning Prevention and Handling of the Financial System Crisis. Where the handling of troubled banks can be more complex and integrated not only the impact of micro and macro. So that the community can maintain its trust in banking institutions and greatly help economic activities, especially banking entrepreneurs. The problems in this research are as follows: 1) How is the Application of the Precautionary Principle in Minimizing the occurrence of Problematic Banks in Indonesia? and; 2) How is Legal Certainty in the Settlement of Problem Banks in Indonesia?The research method used to answer the problems in this study is to use a normative legal research approach which is also called theoretical legal research or dogmatic legal research because it does not review the implementation of legal implementation. The results of the research and discussion show that the application of the precautionary principle carried out by these banking institutions can make a very impactful contribution, especially in order to minimize the occurrence of good problem banks that have systemic or non-systematic impacts. In addition, legal certainty in the context of handling this troubled bank has been stated in the PPKSK Law as an attempt to resolve troubled banks.
Co-Authors Adillah, Muhammad Iqbal Adjie Tama Pranata Husin Agus Muhammad Septiana Ahmad Solehan Ahmad Zainal Alma Zhuhri Febriansyah Amelia Putri Angga Alfian Anggalana Aninda Resya Aulia Ansori Anugerah, Erwin C Anwar, Amelia Aprinisa Arifin Arifin Bambang Hartono Barusman, Andala R P Bayu Anggoro BOY ZAFFRAN AZIZ Chiquita Apriliyandra Cindi Iklima Deva Tri Ananda Dewi, Neni Kusuma Dimas Pratama Putra Dinata, Angga Bela Dinda Salsabilla Januardhi Djuhaendah Hasan Erlangga Erlangga Erlina B Etty Mulyati Fani Renaldi Hartawan Farida Kaplele Farida Kaplele, Farida Fritz Akhmad Nuzir Gracemark Chrissaulita Panjaitan Handayani, Agustuti Hanindyalaila Pienrasmi Haninun Haris Miftah Abdilla Hartabela, Dadang Hazbullah Indra Rajasa Hidayat, Adelia Amanda I Ketut Seregig I Made Agus Deny Kusuma Ilham Jodi Renovsi Indrajaya, Muhammad Daud Aulia Ramadhan Irsandi Iskandar Ali Alam Jitu Prayoga Jaya Mahendra Justicia Tessalonika Panjaitan M Ardiansyah M. Ardiansyah M. Hafiz Kurnia M. Yusuf S. Barusman M.Dzikri Arrizal Marudut Jon Ferry Simarmata Massriyati Massriyati Mindari, Salsabila Muhamat Ilza Amanda Muhammad Ardiansyah Muhammad Iqbal Rofif Muwardi, Haris Nanda Rahmadani Niki Agus Santoso Nurdiawansyah Nurhaliza, Adelita Ayu Okta Ainita Oktaria, Eka Travilta Pratama, Dimas Disa Rahmadani, Hanum Putri Raisha Stella Tania Ramadhan Fariz Nugraha Revira Pardesi Rifandy Ritonga Risti Dwi Ramasari Ryan Ramadhan Safitta Amanah Soewito Suheri, Dinda Ayu Bela Tarsisius Murwadji Travilta Oktaria Trenggono Pujo Sakti Wijaya, Dhea Livia Wijaya, Zullya Yafi Mahardika Yulia Hesti Yunita Yunita* Zainudin Hasan Zulfi Diane Zaini