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Regulations, Problems, and Legal Solutions for Online Loan Agreements in Indonesia Agustini, Shenti; Karo Karo, Rizky Pratama; Tan, Winsherly; Syarief, Elza; Ahmad, Faradina Binti
Jurnal Magister Hukum Udayana (Udayana Master Law Journal) Vol 14 No 2 (2025)
Publisher : University of Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JMHU.2025.v14.i02.p07

Abstract

The aim of this research is first to analyze regulations regarding online loans, identify legal problems arising from online loans, and find an appropriate legal solution to resolving legal issues with online loans. The method used is normative juridical. The research results found that Indonesia already has written laws to regulate online loans, namely financial services authority regulations. However, this regulation is insufficient in resolving online lending legal problems. Normative inconsistencies, especially regarding capital sourcing regulations, Lack of technical clarity, such as in the implementation of lenders' general meetings, Heavy regulatory burdens for new market entrants (e.g., high equity requirements), Unregulated areas, including lender protection, AI/technology ethics, and secondary market mechanisms. Recommended Legal Solutions: 1) Clarification via OJK Circular Letters (SEOJK); 2) Issuance of Fintech Ethics & Technology Guidelines; 3) Establishment of Credit Risk Protection Schemes; 4) Progressive Evaluation and Stakeholder Dialogues; 5) Harmonization with Other Regulations and the P2SK Law.
REALIGNING INDONESIAN WASTE-TO-ENERGY POLICIES WITH SDG 11: ANALYSIS OF LEGAL COMPLIANCE AND ITS IMPLICATIONS Sudirman, Lu; Hutauruk, Rufinus Hotmaulana; Alhakim, Abdurrakhman; Tan, Winsherly
Jurnal Pembaharuan Hukum Vol 11, No 2 (2024): Jurnal Pembaharuan Hukum
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26532/jph.v11i2.36832

Abstract

To date, Indonesia is still grappling with waste management issues, which is a significant obstacle to realizing Sustainable Development Goals (SDG) 11. One of the ways to deal with this issue is through the development of the waste-to-energy (WtE) system, which can be utilized to transform waste into precious energy resources. However, this system must also be supported with robust legal compliance to ensure that its development is not solely focused on generating profits through energy production but also meets its noble purpose of improving sustainability as conceptualized within SDG 11. This study utilizes the normative legal research method, along with a statutory approach. Analysis of this study finds that the current Indonesian legal framework is insufficient in providing a robust mechanism of compliance to ensure that the waste-to-energy system can contribute to the broader waste-management issues and their ramifications, specifically due to the lack of recognition of the unique intricacies of the development of WtE systems, along with the lack of normative implementation of SDG 11. The paper proposes a model of normative construction to cover these issues as a way of ensuring growth and environmental sustainability in Indonesia, particularly regarding waste management.
LEGAL PROTECTION REGULATIONS FOR FOREIGN WORKERS WITH PROFESSIONAL EXPERTISE CERTIFICATIONS Putra, Aldo Ernandi; Tan, Winsherly; Syarief, Elza
EKSEKUSI Vol 7, No 2 (2025): Eksekusi : Journal Of Law
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/je.v7i2.38270

Abstract

ABSTRACTThis research explores the legal safeguards provided to foreign workers (TKA) who possess certified professional expertise, and how their presence influences local labor (TKL) in Batam City, with a case study of two companies: PT VME and PT NSP Technology. The growing presence of foreign professionals in key positions has raised questions about the effectiveness of existing labor laws in ensuring fairness and protection for Indonesian workers. Using an empirical legal research method, the study relies on interview data and field observations. The analysis is framed by the Theory of Legal Benefit and the Theory of Legal Effectiveness. The results indicate that current regulations particularly the Job Creation Law and Government Regulation No. 34 of 2021 have yet to adequately limit the dominance of foreign workers. This ineffectiveness stems from company preferences for international labor standards, relaxed internal policies, and weak regulatory oversight. In light of these findings, the study suggests the need for firmer regulatory measures to control the number and positions of foreign employees while simultaneously enhancing the competitiveness of local workers through targeted training and skill certification aligned with industrial requirements.  
Efektivitas Diversi Anak pada Tingkat Kejaksaan Berdasarkan Keadilan Restoratif di Kota Batam Delvi, Muhammad Reyhan Anand; Alhakim, Abdurrakhman Alhakim; Tan, Winsherly
Jurnal Ilmu Hukum, Humaniora dan Politik Vol. 5 No. 4 (2025): (JIHHP) Jurnal Ilmu Hukum, Humaniora dan Politik
Publisher : Dinasti Review Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jihhp.v5i4.4345

Abstract

Penelitian ini bertujuan untuk mengevaluasi sejauh mana program diversi berbasis keadilan restoratif di tingkat kejaksaan di Kota Batam mampu memenuhi tujuan utama yang diharapkan, yaitu pemulihan korban dan rehabilitasi anak. Melalui pendekatan kualitatif deskriptif yang berlandaskan asas hukum empiris, data penelitian diperoleh dari observasi, wawancara, dan studi literatur di Kejaksaan Negeri Batam. Kajian ini juga mengidentifikasi berbagai kendala dalam pelaksanaan prosedur diversi serta penerapan peraturan perundang-undangan terkait. Diharapkan, hasil penelitian ini dapat memberikan kontribusi nyata bagi penyempurnaan kebijakan hukum, sehingga efektivitas program diversi dalam sistem peradilan anak dapat lebih dioptimalkan.
TV Broadcast Piracy Through Illegal Live Streaming Applications: Challenges and Legal Protection for Copyright Holders Tan, Winsherly; Situmeang, Ampuan; Bhaskara, Kevin Indra
Al-Adalah: Jurnal Hukum dan Politik Islam Vol, 9 No. 1 2024
Publisher : Program Studi Hukum Tata Negara, Fakultas Syariah dan Hukum Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ajmpi.v9i1.5429

Abstract

The copyright infringement that is currently on the rise is the emergence of illegal TV streaming apps. The application is now very annoying to official broadcasting rights holders because the presence of such illegal streaming applications will cause losses. This paper aims to find out the form of legal protection as well as legal action for television stations that suffer losses from the piracy of such broadcasting activities.This study is a normative legal study with normative jurisprudence approach to critically analyse the criminal and civil law norms against piracy TV broadcasts through the Live Streaming application aimed at digging and revealing the protection and enforcement of the law for TV stations suffered losses as a result of such piracy.If a person is found to conduct broadcasting or distribution without the permission of the owner who violates the provisions of Article 25 paragraph (2) of the Copyright Act with the criminal punishment of Article 118 of the copyright Act. Whereas the perpetrator of illegal live streaming application that violates Article 32 paragraph (1) of the ITE Act, can be subject to criminal sanctions as referred to in Article 48 paragraph 1 of the Act. The resolution of copyright disputes can be carried out through litigation and non-litigation. It would be better for the public to choose to watch legally and subscribe through an official service despite having to pay for the safety and convenience of the user.
Comparison of Indonesian and Dutch Laws on the Implementation of Euthanasia Fitri, Winda; Tan, Winsherly; Putri, Aulia Ginda
Al-Adalah: Jurnal Hukum dan Politik Islam Vol, 9 No. 1 2024
Publisher : Program Studi Hukum Tata Negara, Fakultas Syariah dan Hukum Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ajmpi.v9i1.5894

Abstract

Developments in various matters cannot be separated from the regulations attached to them, one of which is related to euthanasia. Euthanasia in general is a treatment given to a patient to end his life intentionally with the aim of escaping suffering. Euthanasia is divided into two types, namely active euthanasia and passive euthanasia. Until now, the act of euthanasia still has pros and cons, including in Indonesia. However, there are also countries that have legalized this, such as the Netherlands. This article will raise issues related to the positive legal regulation of euthanasia in Indonesia and the Netherlands as countries that have legalized euthanasia in terms of human rights and the Criminal Code. The research method is normative juridical research with a comparative approach. The results show that legal regulations related to euthanasia in Indonesia have not yet been specifically regulated even though the act of euthanasia is absolutely prohibited. From a criminal law perspective, the act of euthanasia is subject to Article 338 and Article 344 of the Criminal Code, the implementation of which still creates uncertainty. For families who submit euthanasia, Article 345 of the Criminal Code applies. Meanwhile, the Netherlands has had a law relating to euthanasia since 2001 which is followed by procedures and conditions for its implementation based on Dutch Penal Code 293 and 294 of Dutch law. The formation of regulations related to euthanasia is necessary in Indonesia if it needs to be hastened considering the progress of the times and the mindset of humans who know information easily and can find out about euthanasia
International Laws and The Reality: The Complexity of Corporate Law in Empowering Human Rights Sudirman, Lu; Tan, David; Tan, Winsherly; Situmeang, Ampuan
Jambura Law Review VOLUME 6 NO. 1 JANUARY 2024
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33756/jlr.v6i1.22514

Abstract

Corporations inevitably violate human rights in a variety of ways. As corporations evolved into massive multinational businesses, corporate violence—which is a legacy of colonialism and corporate power—continues to exist today. Corporate players maintain their freedom in pursuing their objectives using convoluted and obscure multinational organizations and supply networks, through the utilization of corporate law principles like the veil of corporate ownership, and also through other practices like tax evasion and lobbying of political bodies. The objective of this article is to explore the legal aspects of the problem of corporate violence, and suggesting reforms to ensure justice for the affected parties. This article uses the doctrinal research method along with the comparative method, focusing on both primary and secondary data. This article makes the case that the issue stems from the structural and systemic flaws in the framework of international law as well as in corporate laws that continually preserve corporate institutions in frustrating the advancement of the cause for human rights.  To effectively enhance the corporate and human rights environment, a framework of hard law, soft law, and non-law reforms and actions is needed.
Pertanggungjawaban Konstitusional Negara dalam Pemenuhan Hak Masyarakat Miskin dalam Konteks Pembangunan Berkelanjutan Fitri, Winda; Tan, Winsherly; Delia, Della
Nomos : Jurnal Penelitian Ilmu Hukum Vol. 5 No. 3 (2025): Volume 5 Nomor 3 Tahun 2025
Publisher : Actual Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56393/nomos.v5i3.3390

Abstract

Penelitian ini bertujuan untuk menganalisis bentuk dan batas pertanggungjawaban konstitusional negara dalam memenuhi hak-hak sosial dan ekonomi masyarakat miskin dalam kerangka Tujuan Pembangunan Berkelanjutan. Latar belakang penelitian ini didasarkan pada kebutuhan akan integrasi antara prinsip-prinsip konstitusional dan komitmen pembangunan global guna mengatasi ketimpangan sosial yang masih tinggi di Indonesia. Penelitian ini menggunakan pendekatan yuridis-normatif dengan menelaah peraturan perundang-undangan nasional, putusan Mahkamah Konstitusi, dan instrumen hukum internasional yang mengatur pemenuhan hak-hak sosial dan ekonomi. Hasil penelitian menunjukkan bahwa negara memiliki kewajiban konstitusional yang bersifat positif dalam menjamin pemenuhan hak dasar masyarakat miskin, sebagaimana diatur dalam Pasal 28H dan Pasal 34 Undang-Undang Dasar Negara Republik Indonesia Tahun 1945. Namun, implementasi tanggung jawab tersebut masih menghadapi berbagai kendala, seperti keterbatasan anggaran, tumpang tindih kebijakan antar sektor, dan lemahnya mekanisme akuntabilitas institusional. Dalam konteks Tujuan Pembangunan Berkelanjutan, studi ini menekankan pentingnya penguatan integrasi antara norma konstitusional dan kebijakan pembangunan untuk mewujudkan keadilan sosial yang lebih substansial. Oleh karena itu, penelitian ini merekomendasikan perlunya reformulasi kebijakan pembangunan berbasis hak sebagai kerangka implementasi yang lebih efektif dan berorientasi pada pemenuhan hak-hak masyarakat miskin secara menyeluruh.
TANTANGAN DALAM PENYELENGGARAAN PELAYANAN PUBLIK YANG EFEKTIF PADA PANDEMI COVID 19 Tan, Winsherly
Veritas et Justitia Vol. 7 No. 2 (2021): Veritas et Justitia
Publisher : Faculty of Law, Parahyangan Catholic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25123/vej.v7i2.4300

Abstract

State or government affairs shall be conducted in accordance with the principles of good governance. This is considered a must in normal times and more so when the government have to deal with the COVID-19 pandemic. This general obligation is also in line with the theory proposed by Muchsan about the welfare state and the government’s obligation to provide public services. But reality shows a different picture. The Indonesian government seems to fail in providing good and reliable services in health care, public transport, social assistance, economy, and security.  One solution proposed is to appoint a person in charge of managing public complaints. The expectation is that this will empower the public, raise public awareness and increase government capacity to provide for public services.
CHILD MARRIAGE IN THE RECIPROCITY CULTURE OF THE SEA TRIBE COMMUNITY: LEGAL CONFLICTS AND VIOLATIONS OF EDUCATION AND HEALTH RIGHTS Tan, Winsherly; Budi, Henry Soelistyo; Shahrullah, Rina Shahriyani; Manashi Kalita
Veritas et Justitia Vol. 11 No. 1 (2025): Veritas et Justitia
Publisher : Faculty of Law, Parahyangan Catholic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25123/0xsjxk19

Abstract

The culture of “reciprocity” remains preserved and continues to serve as the foundation for the implementation of customary/Adat marriages among the indigenous Sea Tribe community in Lingga Regency. This study aims to strengthen cultural norms and regulatory frameworks, while also addressing the enforcement of such cultural practices. Employing an empirical legal approach, the study found that the practice of reciprocity conflicts with the prevailing national marriage law. Specifically, due to imbalances in social obligations, the Sea Tribe community often carries out child marriages based on custom without obtaining a court-issued marriage dispensation, as legally required. Furthermore, the Sea Tribe can no longer be classified as an Adat law community, as it no longer meets the criteria; instead, it should be regarded as a customary community that remains subject to national law. Drawing on Satjipto Rahardjo’s Theory of Legal Compliance, the study identifies three key factors contributing to the community’s non-compliance with marriage law: the lack of proper legal indoctrination, entrenched collective habits, and a limited understanding of the benefits of legal obedience. Consequently, the continued application of the reciprocity culture results in violations of children’s rights to health and education within the community. In light of Mochtar Kusumaatmadja’s Theory of Development Law, this study underscores the need for marriage law to more effectively govern the practices of the Sea Tribe community.
Co-Authors Abdul Rachman Abdurrakhman Alhakim Abdurrakhman Alhakim Alhakim Abue Abue Adiyanto Adiyanto Agus Rosita Aguslina, Aguslina Agustianto Agustianto, Agustianto Agustini, Shenti Ahmad, Faradina Binti Akbar Putra Jako Alda Fitriyani Ismail Basar Aldi Pradani Alhakim, Abdurrakhman Alzi Alzi Anakotta, Marthsian Yeksi Andika Saputra Andilsim, Weyni Angela Angela Anggriawan, Rizaldy Anida Anida Annisa Putri Sabila Hasibuan Augustino Sanduo Baiq Shefania Adristy Bhaskara, Kevin Indra Bulan Ayu Sari Cynthia Putri Guswandi Davina Shebiartha, Kyushu Delia, Della Delvi, Muhammad Reyhan Anand Delvin Lim Dewi Seroja, Triana Dian Fransisca Disemadi, Hari Sutra Dyah Putri Ramadhani Edson Jonkarlo Eko Nurisman Elisa Nilla Sari Simanjuntak Elisa Nilla Sari Simanjuntak Elizabeth Gunawan Elza Syarief, Elza Erika Fitriani Erlina Erlina Febri Jaya Febriani, Emiliya Febriyani, Emiliya Ferryanto, Justitia Fiona Fiona Firmanda, Ridho Junilham Fitri, Winda FL. Yudhi Priyo Amboro, FL. Yudhi Priyo Gea, Lidia Kando Br Geovanni, Grace Haiti, Rudolf Handra Dermawan Harvey Vernando Helen Helen Hengky Hadiyanto Henry Soelistyo Budi, Henry Soelistyo Hutauruk, Rufinus Hotmaulana Indry Wulandari Irawan Indry Wulandari Irawan Inggrid Rosemary Santoso Irawan, Indry Wulandari Ismail Basar, Alda Fitriyani Isnaini, Nurun Jackson Jackson Java Ardiandi Junus Loden Jaya, Febri Jesseline Chang Jonathan Jonathan Julyanto Julyanto Junien Junien Kalita, Manashi Karo Karo, Rizky Pratama Karo Karo, Rizky Pratama Putra Kasno Kasno Lee Kalia Leo Francisco Lu Sudirman Madeline Natasha Arifin Maharani Millenia Hussy Manashi Kalita Manurung, Intan Mario Ferdinandes Maryto S, Bella Oktavia Melvin Winata Michelle Lee Mimi Sintia Mohd Bajury Mimi Sintia Mohd Bajury Muhammad Akbar Nanditama Muhammad Rasyidin Muhammad Reyhan Anand Delvi Nabila Sari Neha Aswin Maysura Nicky Winata Novika Novika Nugroho, Cahyo Jati Nurisman, Eko Nurlaily Nurlaily NURLAILY, NURLAILY Oktaviani, Belinda Olive Beckam Patros, Asmin Peter Macnico Putra, Aldo Ernandi Putri Ayuditia Putri, Aulia Ginda Putri, Shelvia Agustini Rahmadani, Aini ratama, Jovan P Razak, Siti Suraya Abd Ria Veronica Rika Permatasari Rina Shahriyani Shahrullah Riski Widiyanti Risky kurniawan Riswanto Riswanto Ronaldo Tan Virgian Rosalinda Rosalinda Rosita Tan Rufinus H Hutauruk Rusdiana, Shelvi Rusel Hutajulu Ruska, Afdhal - Sari, Nabila Sheril Fitri Riana Shevia Shevia Siahaan, Rahel Silviani, Ninne Zahara Simanjuntak, Elisa Nilla Sari Situmeang, Ampuan Stanley Stanley Sunatoyoga, Jody Suryani Suryani Syifa Nur Islami Sylvani Sylvani Sylvani Tampubolon, Theresia Tan, David Tasya Chandra Tjang Fang Fang Triana Dewi Seroja Triana Dewi Seroja Trifena Pang Trillian Lim Trinh, Hien Vanesha Brecilia Vennes Owen Vera Nengsih Veronica, Ria Vina Vina Vindriyanto Vindriyanto Vinny Aprilia Wahyudi Warianto Wan Rosalili Wan Rosli Wenseslaus Harley Hardiwinata Winata, Nicky Windi Afdal, Windi Wulandari, Aura Yen Diarti Yoshua Tan Yosua Nicholas Tan