Articles
CONVERGENCE OF CONSUMER PROTECTION, INVESTMENT LAW, AND CYBERSECURITY: An in-Depth Analysis of Three-Way Legal Intersections in Investment Apps
Rufinus Hotmaulana Hutauruk;
Lu Sudirman;
Hari Sutra Disemadi;
David Tan
Jurisdictie: Jurnal Hukum dan Syariah Vol 14, No 1 (2023): Jurisdictie
Publisher : Fakultas Syariah
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DOI: 10.18860/j.v14i1.21180
Investment apps have become an important part of the investment culture throughout the world and have helped democratize investment opportunities for many people. The utilization of investment apps in Indonesia has opened many doors for Indonesians to invest their wealth and obtain many different kinds of assets, posing cybersecurity risks that threaten the interests of their users. This study aims to analyze and provide literature for possible future legislation that affects the utilization of investment apps. Using the normative legal research method, this study analyzes the intersection of investment law and consumer protection law in Indonesia in the context of the utilization of investment apps. Through the statutory approach, this study finds that the normative restrictions within the respective laws make it difficult to properly define legal liability for many kinds of problems that can arise from cybersecurity risks in the context of the utilization of investment apps. The findings of this article serve as a contribution to the constantly expanding literature for Indonesian legal development, specifically on the quest to adapt to the changes brought about by the latest technologies.Aplikasi investasi telah menjadi bagian penting dari budaya investasi di seluruh dunia dan telah membantu mendemokratisasi peluang investasi bagi banyak orang. Penggunaan aplikasi investasi di Indonesia telah membuka banyak pintu bagi masyarakat Indonesia untuk menginvestasikan kekayaan mereka dan mendapatkan berbagai jenis aset, yang menimbulkan risiko keamanan siber yang mengancam kepentingan penggunanya. Penelitian ini bertujuan untuk menganalisis dan menyediakan literatur untuk kemungkinan legislasi di masa depan yang mempengaruhi pemanfaatan aplikasi investasi. Dengan menggunakan metode penelitian hukum normatif, penelitian ini menganalisis persinggungan antara hukum investasi dan hukum perlindungan konsumen di Indonesia dalam konteks pemanfaatan aplikasi investasi. Melalui pendekatan perundang-undangan, penelitian ini menemukan bahwa pembatasan normatif dalam masing-masing undang-undang menyulitkan untuk mendefinisikan pertanggungjawaban hukum secara tepat untuk berbagai jenis masalah yang dapat timbul dari risiko keamanan siber dalam konteks penggunaan aplikasi investasi. Temuan dari artikel ini berfungsi sebagai kontribusi terhadap literatur yang terus berkembang untuk pengembangan hukum di Indonesia, khususnya dalam upaya untuk beradaptasi dengan perubahan yang dibawa oleh teknologi terbaru.
Fenomena Predatory Lending: Suatu Kajian Penyelenggaraan Bisnis Fintech P2P Lending selama Pandemi COVID-19 di Indonesia
Hari Sutra Disemadi
Pandecta Research Law Journal Vol 16, No 1 (2021): June
Publisher : Universitas Negeri Semarang
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DOI: 10.15294/pandecta.v16i1.26860
Kondisi ekonomi masyarakat Indonesia yang semakin menurun akibat berkurangnya pendapatan hingga pemutusan kerja oleh perusahaan dimasa pandemi COVID-19 dijadikan sebagai peluang bagi penyelenggara fintech p2p lending yang tidak bertanggung jawab, khususnya fintech p2p lending ilegal. Fintech p2p lending ilegal melakukan “predatory lending†atau praktik pemberian pinjaman yang mengenakan syarat, ketentuan, bunga, dan/atau biaya-biaya yang tidak wajar bagi borrower selaku konsumen. Permasalahan tersebut akan dikaji dengan menggunakan metode penelitian hukum normatif. Dalam penelitian hukum normatif ini, pendekatan yang digunakan adalah statute approach dan conseptual approach. Penelitian ini menunjukan hadirnya “predatory lending†yang dilakukan oleh fintech p2p lending karena kurangnya literasi keuangan dan pemutusan kerja dimasa pandemi COVID-19. Perlu peran semua kalangan dalam meningkatkan kesadaran hukum, meningkatkan literasi keuangan agar masyarakat lebih bijak dalam memilih fintech p2p lending. Diharapkan seluruh penyelenggara fintech p2p lending dapat merealiasikan amanat pemberian perlindungan hukum kepada konsumennya berdasarkan POJK Nomor 77/POJK.01/2016, kewajiban menerapkan tiga prinsip dasar penyelenggaraan fintech p2p lending sesuai “Pedoman Perilaku†yang disusun oleh AFPI, dan OJK sebagai regulator serta pengawas fintech p2p lending dapat memberikan rasa aman bagi konsumen dengan memastikan pelaku bisnis fintech p2p lending memberikan transparansi produk dan metode penawaran; pencegahan pinjaman berlebih; dan penerapan prinsip itikad baik. Kemudian, OJK perlu membangun sistem pengawasan dan penegakan aturan yang efektif untuk meningkatkan kepatuhan pelaku usaha.
Kegiatan Sosialisasi Pemilu kepada Calon Mahasiswa Baru Universitas Internasional Batam
Rifqi Arrafif;
Junior Ikhlas;
Naila Mataya Dinanthi;
Nadia Lysion;
Heni Utari Setianingrum;
Ilena Nurpavitia;
Syasya Tri Puspita Dewi;
Angelica Cleryn Cesy;
Cindy Meissa Jovanka Sihotang;
Ayudistira Amanda;
Anastasya Pakpahan;
Chornelia Ruth Lakalapai;
Rafif Shagufta;
Febby Amanda Pakpahan;
Novit Cahyesi Duha;
Stefanus Imanuel Malik;
Kelvin Jonatan;
Stan ley;
Hari Sutra Disemadi
National Conference for Community Service Project (NaCosPro) Vol 5 No 1 (2023): The 5th National Conference for Community Service Project 2023
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Internasional Batam
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DOI: 10.37253/nacospro.v5i1.8315
Pelaksanaan kegiatan sosialisasi pemilu kepada mahasiswa baru dilaksanakan di Universitas Internasional Batam. Sosialisasi ini bertujuan untuk mengenalkan program pemilu yang akan dilakukan pada tahun 2024 mendatang. Bekerja sama dengan mitra, mahasiswa memberikan pengajaran dan pembekalan untuk mahasiswa baru dalam pelaksanaan pemilu dan pemahaman mengenai agenda pemilu yang wajib diikuti bagi siswa yang telah memenuhi kriteria dalam memilih. Dengan edukasi yang dilakukan, siswa dapat mencermati bagaimana tahapan pemilu serta pengawasan yang ketat untuk menyukseskan kegiatan tersebut.
Cryptocurrencies as Digital Payment Media: Opportunities and Challenges
Denny Denny;
Hari Sutra Disemadi
Law and Justice Vol. 7 No. 2 (2022): Law and Justice
Publisher : Universitas Muhammadiyah Surakarta
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DOI: 10.23917/laj.v7i2.743
Cryptocurrency is a centralised network currency system that can connect users without intermediaries or third parties such as banks or governments. Countries globally have different attitudes in drafting regulations regarding cryptocurrencies; some accept, reject, or are neutral. The application of cryptocurrency as a payment medium has not yet been regulated in Indonesian legal jurisdiction. However, cryptocurrencies have various opportunities that can positively impact the country's economy. Indonesia must face various challenges in implementing cryptocurrency as payment. This study examines the opportunities and challenges of implementing cryptocurrency as a payment medium by using a responsive legal theory review. The study was carried out using doctrinal research methods. Indonesia's cryptocurrencies currently do not have a lex specialist (particular regulation). However, the application of cryptocurrency as a payment medium can increase e-commerce transactions, have a payment system with high confidentiality and security, and fast, precise, and low-cost transactions. The challenges that must be implemented are developing institutions and legal constitutions that regulate cryptocurrencies as a payment medium, developing blockchain systems and their application in cellular technology.
Fenomena Produk dengan Merek Palsu: Perlindungan Konsumen?
Abigail Natalia Bukit;
Nadia Carolina Weley;
Ranty Angriyani Harahap;
Hari Sutra Disemadi
SAPIENTIA ET VIRTUS Vol 7 No 1 (2022): March
Publisher : Darma Cendika Catholic University
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DOI: 10.37477/sev.v7i1.341
Fenomena barang merek palsu yang terjadi sekarang sangatlah marak di pasaran apalagi selama masa pandemi banyak oknum nakal yang semakin melancarkan aksinya. Akibatnya banyak peredaran barang merek palsu dikalangan sekitar masyrakat. Masyarakat banyak tertarik terhadap barang tiruan karena merasa harganya terjangkau baik untuk masyarakat kelas atas, menengah, dan bawah, barang yang dijual juga banyak di pasaran tidak seperti barang asli yang hanya didapatkan di tokonya langsung, bagi mereka sebagai konsumen barang palsu tidak pernah mendapatkan kecacatan ataupun rusak dalam barang selama pembelian berlangsung. Tujuan diadakan penelitian ini adalah untuk mengetahui apa saja fenomena barang merek palsu yang telah terjadi di Batam serta bagaimanakah bentuk perlindungan konsumen terhadap pemakainya. Penelitian ini diharapkan mampu untuk para pembeli lebih berhati-hati dalam membeli suatu barang. Metode penelitian yang kami gunakan dalam penelitian ini adalah pendekatan secara kualitatif, yaitu melakukan dan mengambil data dari responden yang penulis berikan. Selanjutnya, data tersebut kami olah untuk kebutuhan penelitian penulis. Hasil penelitian kali ini adalah bahwa masyarakat kota Batam harus lebih cermat dalam membeli suatu barang karena jika membeli barang merek palsu ada hukum yang mengatur dan pastinya hak perlindungan konsumen terjaga. Tindak pidana dari pelanggaran hak merek bersifat delik aduan dimana hanya dapat ditindak jika adanya aduan dari pihak yang telah dirugikan. Dengan demikian, upaya pengurangan barang-barang palsu khususnya di kota Batam sangatlah perlu untuk dilakukan karena dapat merugikan pemilik dari merek yang asli dan melanggar hak dari si pencipta.
COPYRIGHT LAW AND INVESTMENT IN INDONESIA: A LEGAL BRIDGE
Rufinus Hotmaulana Hutauruk;
Hari Sutra Disemadi;
Lu Sudirman;
David Tan
Mimbar Hukum Vol 35 (2023): Jurnal Mimbar Hukum Special Issue
Publisher : Faculty of Law, Universitas Gadjah Mada
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DOI: 10.22146/mh.v35i0.11456
Abstract The nexus between investment and intellectual property often intersects with the international movement of capital. A robust legal structure is essential in comprehending potential issues, particularly concerning copyrights, which is one of the most frequently utilized intellectual property rights systems within the Indonesian economy. Consequently, this study seeks to pinpoint the elements linking these two notions within the framework of copyright regulations. Findings indicate that specific challenges may result in protracted and intricate administrative processes, as revealed through normative legal research methodologies. Concurrently, a thorough analysis employing the statutory approach reveals that these challenges stem from normative constraints, which may deter investors from engaging in the Indonesian economic landscape. Abstrak Hubungan antara investasi dan hak kekayaan intelektual sering kali saling terkait dengan arus modal global. Struktur hukum yang kokoh sangat penting untuk memahami potensi masalah, khususnya terkait hak cipta, yang merupakan salah satu sistem hak kekayaan intelektual yang paling sering digunakan dalam ekonomi Indonesia. Oleh karena itu, penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang menghubungkan kedua konsep ini dalam konteks regulasi hak cipta. Temuan menunjukkan bahwa tantangan-tantangan tertentu dapat mengakibatkan proses administratif yang panjang dan rumit, sebagaimana terungkap melalui metodologi penelitian hukum normatif. Sementara itu, analisis menyeluruh yang menggunakan pendekatan statutori menunjukkan bahwa tantangan-tantangan ini berasal dari pembatasan-pembatasan normatif, yang dapat menghalangi investor untuk terlibat dalam lanskap ekonomi Indonesia.
DATA OWNERSHIP IN REGULATING BIG DATA IN INDONESIA THROUGH THE PERSPECTIVE OF INTELLECTUAL PROPERTY
Hari Sutra Disemadi
Jurisdictie: Jurnal Hukum dan Syariah Vol 13, No 2 (2022): Jurisdictie
Publisher : Fakultas Syariah
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DOI: 10.18860/j.v13i2.17384
Big data is the process of collecting, analyzing, and utilizing data, which is necessary for the development of many kinds of technologies that are already highly-integrated into the daily lives of many people. The concept of data ownership is often used to be the basis to support the efforts to regulate big data. This point of view argues that data has a number of elements of ownership that needs to be recognized by intellectual property law but does not clearly explain the conceptual connection of data, big data, and intellectual property. Using the normative legal research method, this article found out that the integration of intellectual property elements into the conceptualization of big data regulation could threaten the antitrust or business competition climate in Indonesia. Additionally, the normative space for big data regulations through the intellectual property rights perspective is still too small to be comprehensively described and still needs more concrete evidence from the actual utilization of big data itself. This research aims at providing points of normative reference for future studies on the potentials and risks of regulating big data under the framework of intellectual property law.Big data merupakan proses pengumpulan, analisis dan pemanfaatan data yang berperan penting dalam perkembangan berbagai macam teknologi yang sudah sangat terintegrasi dalam kehidupan masyarakat. Konsep kepemilikan data merupakan konsep yang kerap dijadikan dasar dalam upaya meregulasi big data. Sudut pandang ini berargumen bahwa data memiliki unsur kepemilikan yang harus dihormati oleh hukum kekayaan intelektual, namun tidak secara jelas menjelaskan konseptualisasi antara data, big data, dan kekayaan intelektual. Dengan menggunakan metode penelitian hukum normatif, penelitian ini menemukan adanya pelekatan nilai kekayaan intelektual ke dalam konseptualisasi pengaturan big data, yang mana dapat mengancam iklim persaingan usaha di Indonesia dan secara normatif pengaturan big data melalui hak kekayaan intelektual masih sangat kecil untuk dijabarkan dan membutuhkan bukti yang lebih konkret dari pemanfaatan big data itu sendiri. Penelitian ini bertujuan untuk memberikan rekomendasi secara normatif untuk penelitian di masa mendatang mengenai peluang dan risiko pengaturan big data dalam kerangka hukum kekayaan intelektual.
Comparative Analysis of Personal Data Protection Laws in Indonesia and Thailand: A Legal Framework Perspective
Lu Sudirman;
Hari Sutra Disemadi;
Arwa Meida Aninda
JED (Jurnal Etika Demokrasi) Vol 8, No 4 (2023): JED (Jurnal Etika Demokrasi)
Publisher : Universitas of Muhammadiyah Makassar
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DOI: 10.26618/jed.v8i4.12875
The existence of violations of personal data remains a legal issue at present. The protection of personal data is of utmost importance, serving not only as a safeguard but also as the foundation for comprehensive regulations concerning personal data. This research aims to compare regulations on personal data protection between Indonesia and Thailand, with a particular emphasis on human rights aspects. The research methodology used is normative legal research. The findings of this study reveal that both Indonesia and Thailand recognize that personal data protection is an integral part of human rights. This acknowledgment is reflected in their respective constitutions and various applicable laws. Indonesia recently enacted specific legislation on personal data protection in 2022, but its implementation still faces various challenges. The results of this research indicate that while both countries recognize the significance of personal data protection as a component of human rights, there are significant differences in their approaches and implementations between Indonesia and Thailand.
Urgency of Electronic Wallet Regulation in Indonesia
Kendry Tan;
Hari Sutra Disemadi
Nagari Law Review Vol 5 No 1 (2021): Nagari Law Review
Publisher : Faculty of Law, Andalas University
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DOI: 10.25077/nalrev.v.5.i.1.p.1-14.2021
The payment system in Indonesia has undergone significant changes to date. Starting from the barter system to the existence of an electronic payment system. This change is caused by the development of technology, which has an impact on changing people's lifestyles. The payment system has been known to the public since 2014 when Bank Indonesia issued the National Non-Cash Movement (GNNT) policy. This policy aims to create a cashless society eco-system while at the same time introducing the advantages of electronic payments to the public. Electronic payments are considered safer, more efficient, and easier to track. However, electronic payments are also inseparable from their shortcomings. The electronic payment system, which is relatively new in Indonesia, will face several problems, especially with the legal system. Until now, there has been no law specifically regulating electronic payment systems, specifically E-wallet. This legal vacuum will cause problems both in terms of security and legal protection for users. This study aims to find out the problems that will arise from the E-wallet and provide solutions to the problems raised from a legal perspective. The research method used is normative juridical, using a conceptual approach and a statutory approach to review E-wallets in Indonesia. The results of this study indicate that several problems arise from electronic payments. Therefore, regulations are needed to protect user security, oversee the smooth implementation of E-wallet and maintain Indonesia's economic stability.
Pertanggungjawaban Korporasi Terhadap Kandungan Non-Halal Pada Produk Makanan Sebagai Upaya Perlindungan Konsumen
Asiyah Jamilah;
Hari Sutra Disemadi;
Nyoman Serikat Putra Jaya
Nagari Law Review Vol 3 No 2 (2020): Nagari Law Review
Publisher : Faculty of Law, Andalas University
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DOI: 10.25077/nalrev.v.3.i.2.p.14-31.2020
The development of the corporate function as a means of organizing socially oriented societies towards profit-seeking activities not least triggers negative impacts. One of the negative impacts is the emergence of criminal acts committed by corporations. In order to get as much profit as possible, corporations take actions that can cause losses to consumers, one of which is by mixing non-halal content into products labeled as halal. The purpose of this article are, First, to provide an overview of corporate legal policy as a criminal law subject and Second, to be able to know the corporate responsibility for non-halal content in halal-certified food products as an effort to protect consumers. The results of this study are policies regarding corporations as subjects of criminal law in which their actions can be prosecuted and held criminal liability are contained in special legislation outside the criminal code. Corporate liability regarding non-halal content in halal-certified food products follows a direct accountability system. This means that criminal liability for violations of the halal label can be addressed either to individuals or corporations where corporate responsibility is imposed on its management as stipulated in Article 61 of The Consumer Protection Laws