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Perlindungan Hukum Terhadap Konsumen Pengguna Pinjaman Online Berbasis Financial Technology oleh Otoritas Jasa Keuangan Yulenrivo, Fakhri; Azheri, Busyra; Yulfasni, Yulfasni
UNES Law Review Vol. 6 No. 1 (2023)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i1.927

Abstract

Online loans are a common thing that occurs among the wider community today, one of which is legal and illegal online loans. The easy conditions for applying for a loan make many people tempted to apply for a loan, where with just a photo of their KTP and filling in their data, everyone can easily get funds quickly. OJK is an independent organization, free from interference from other parties, whose function is to provide an integrated regulatory and supervisory system for all activities in the financial services sector as well as providing legal defense as regulated in OJK Law no. 21/2011 Articles 28, 29, and 30. As well as in POJK No. 31/2020 and POJK No. 6/2022. The method in this research uses a normative and qualitative approach. The main data in this research is secondary data obtained from library materials or literature that is related to the research object. The research results obtained: 1. Legal protection for consumers using online loans based on financial technology in the laws and regulations that can be implemented, namely: preventive and repressive legal protection. 2. Legal/licensed online loans are under the supervision of the OJK and regulated by POJK Number 10/POJK.05/2022 concerning Information Technology-Based Joint Funding Services (POJK 10/2022).
Perlindungan Hukum bagi Kreditur dalam Penarikan Paksa Objek Jaminan Fidusia di PT. Astra Credit Companies Kota Padang Hasrul, Fajri; Azheri, Busyra; Hasbi, Muhammad
UNES Law Review Vol. 6 No. 1 (2023)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i1.934

Abstract

This study aims to identify and analyze forced withdrawals carried out by PT. ACC Padang Branch and the problems faced by the company in the process of forcibly withdrawing collateral objects. This research was conducted by juridical-empirical research. The data source for this research is primary data from key informants at PT. ACC Padang Branch and secondary data derived from legal reference sources. The results of the study at the ACC Padang Branch found that the forced withdrawals based on the two cases analyzed had been carried out according to the requirements stated in the UUJF and the Constitutional Court Decision Number 18/PUU-XVII/2019. Based on these two cases the debtor has defaulted and has no good faith to settle his obligations. This study found that the debtor had violated Article 23 UUJF, by transferring the collateral object without the creditor's approval. By UUJF, in this case, the creditor can not only make withdrawals but the debtor can also be punished according to Article 36 UUJF.
Pertanggungjawaban Pelaksana Operasional Badan Usaha Milik Nagari (BUMnag) Gadut Sejahtera Nagari Gadut Kecamatan Tilatang Kamang Hamidi, Syahrul; Azheri, Busyra; Fauzi, Wetria
UNES Law Review Vol. 6 No. 1 (2023)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i1.960

Abstract

The operational implementation of BUMNag Gastra experienced various problems which made it difficult to develop properly. These problems include, among others, the Human Resources Manager is still low, resulting in one of the accountability BUMNag not being carried out properly. Therefore the author examines the following problem formulation: 1) How is the Operational Implementation of BUMNag Gastra Nagari Gadut 2) What is the accountability of the Operational Executive of BUMNag Gastra Nagari Gadut. The research method that the author uses is Juridical Empirical, namely research that focuses on how the implementation of BUMNag Gastra Nagari Gadut operations in the field. The results of the research are presented in the form of descriptive analysis relying on primary data in the form of field data (interviews) supplemented by secondary data. As for the results of the author's research, it can be concluded, firstly, the operational implementation of BUMNag Gastra Nagari Gadut is still simple and not fully in accordance with management functions. The two accountability reports have not been properly presented, so they are not in accordance with legal objectives, namely certainty and justice. In the future, efforts are expected to promote BUMNag, namely 1) increasing human resources 2) increasing capital 3) instilling a sense of ownership of BUMNag which is still low. 4) improvement of facilities and infrastructure
Pelaksanaan Tanggung Jawab Sosial dan Lingkungan Perusahaan (Corporate Social Responsibility) oleh PT. Transco Energi Utama Di Kabupaten Pesisir Selatan Afif Alfianda, Muhammad; Azheri, Busyra; Andora, Hengki
UNES Law Review Vol. 6 No. 1 (2023)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i1.965

Abstract

PT. Transco Energi Utama is engaged in palm oil processing. The company was founded in 2018 and is one of the companies under PT. Incasi Raya Group. History of PT. Transco Energi Utama in distributing Corporate Social Responsibility (Corporate Social Responsibility) is not only concerned with the profits received, therefore in terms of distributing CSR PT. Transco Energi Utama wants to realize its social responsibility through careful planning. The research method used is Empirical Juridical, namely an approach based on field research to obtain primary data as the main data. In addition to field research, library research was also carried out to obtain supporting secondary data. The results of the research show that the implementation of Corporate Social Responsibility by PT. Transco Energi Utama in Pesisir Selatan Regency is implemented through the Community Care Program (PPM), with the first distribution carried out in 2019. PT. Incasi Raya Group as the parent company has the authority to decide on approval of the proposed forms of programs and the amount of CSR funds that have been determined by PT. Transco Energi Utama.
Kekuatan Hukum Perjanjian Pengikatan Jual Beli Perumahan yang Tidak Terlaksana Sebagaimana Mestinya Harefa, Kasran; Azheri, Busyra; Andora, Hengki
UNES Law Review Vol. 6 No. 1 (2023)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i1.971

Abstract

The legal force against the PPJB housing that is done by the P.T.Mutiara Peace made not in front of a notary in the form of a standard contract is weak and does not have a perfect legal force as the authentic act made in the presence of the notary. Such an agreement shall remain in force in that it is not contrary to the provisions of the law, the law and the common order. When the property is in the court of justice and because of its nature under the hand, then the proof is relative, that is, when the property has been admitted by the parties to its existence, the PPJB has the full legal force of proof, while for the party that does not admitt it then the power of evidence is handed over to the judge's consideration. And for them the parties of the Peace Mutiara with its buyer who perform PPJB in the presence of a notary in the form of an authentic act then the legal force is very binding and the value of the proof is perfect before the court. The position of PPJB in the sale of housing transactions between PT.Mutiara Peace with its buyer: First, that is made not in the presence of a notary in the form of a standard contract is already an agreement but its position is a preliminary agreement under the hand or called as the Preliminary Agreement for Sale of Sale. Second, for those parties that make the PPGB before the notary then the position is as an act whose nature is authentic in accordance with Article 1868 of the KUHPerdata or which is referred to as a contract of binding sale of sale.
Pembatalan Sertifikat Pelatihan Peningkatan Kualitas Jabatan Notaris Sebagai Syarat Pengangkatan Notaris (Studi Putusan Mahkamah Agung Nomor3P/HUM/2022) Delima Fitrah, Indah; Azheri, Busyra; Fauzi, Wetria
UNES Law Review Vol. 6 No. 1 (2023)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i1.983

Abstract

Through Supreme Court Decision Number 3 P/HUM/2022, the request for judicial review of Article 2 paragraph (3) letter of Minister of Law and Human Rights Regulation Number 19 of 2019 was granted, which implied canceling one of the conditions for appointing a Notary, namely a photocopy of the Quality Improvement Training certificate Notary Position. The research method used is normative juridical, with a case approach. The results of the author's findings are that the Supreme Court thinks that legal norms which have been tested and declared to conflict with higher laws and regulations and declared to have no binding legal force, may not be re-published in a regulation. After the Supreme Court Decision Number 3 P/HUM/2022, the process of appointing Notaries in 2022 still uses reference to Article 2 of the Regulation of the Minister of Law and Human Rights Number 19 of 2019 as a whole, including Training to Improve the Quality of Notary Positions as a condition for appointing Notaries. So, prospective Notaries who have completed all the requirements other than Training to Improve the Quality of Notary Positions, cannot apply for appointment.
Konsekuensi Yuridis Pengoperan dan Penyerahan Hak Atas Kepemilikan Rumah Secara dibawah Tangan Yang Masih dalam Jaminan Bank Indriani, Lidya; Azheri, Busyra; Fauzi, Wetria
UNES Law Review Vol. 6 No. 1 (2023)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i1.1126

Abstract

Baseld on this casel, thel writelr foculseld on how thel lelgal forcel and lelgal conselqulelncels of thel ovelr creldit and transfelr of houlsel ownelrship in ulndelrhand deleld is gularanteleld by thel bank. Belsidels, this thelsis aim to know how is thel lelgal protelction for bank and third partiels as handovelr relcipielnts and transfelr of houlsel ownelrship in ulndelrhand deleld is gularanteleld by bank. This stuldy casel is baseld on normativel julridical melthod of an analytical delscriptivel relselarch ulsing selcondary data throulgh primary lelgal matelrials, selcondary lelgal matelrials and telrtiary lelgal matelrials of data collelction telchniqulels by doculmelnt stuldiels and analyzeld qulalitativelly. Thel lelgal forcel of ovelr creldit and transfelr of houlsel ownelrship is an aulthelntic deleld bult it is delgradeld as a ulndelrhand deleld and thel lelgal conselqulelncels arel bank only relcognizels thel old mortgagelel as thel ownelr and gularantor whilel thel ovelr creldit and transfelr of houlsel ownelrship only binds thel delbtor and third partiels. Lelgal protelction for thel bank whelrel thel delbtor is in delfaullt, bank has thel right to confiscatel thel celrtificatel of ownelrship and aulction it throulgh a pulblic aulction baseld on thel mortgagel celrtificatel and lelgal protelction for third partiels as handovelr relcipielnts. Transfelr of houlsel ownelrship is carrield oult wheln thel delbtor is in delfaullt and thel third party can filel a lawsulit to thel district coulrt baseld on copy elvidelncel of ovelr creldit and transfelr of houlsel ownelrship signeld by a Notary. Thel ovelr creldit and transfelr of houlsel ownelrship ulndelrhand deleld is gularanteleld by bank doels not bind bank itsellf. Bank as thel holdelr of thel mortgagel right has thel powelr to selll thel mortgagel objelct if thel delbtor is in delfaullt whilel thel third party as handovelr relcipielnts and transfelr of houlsel ownelrship havel to throulgh procelss thel local district coulrt for relimbulrselmelnt of costs or compelnsation if thel delbtor is in delfaullt. Bank has to sulrvely thel condition of thel mortgagel objelct which is still in thel creldit pelriod and thel delbtor mulst kelelp promisels in thel agrelelmelnt with crelditors and third partiels in good faith.
Peran Notaris dalam Penyelesaian Perselisihan Terhadap Akta Perjanjian Pengikatan Jual Beli (PPJB) Yang Dibuat Para Pihak Dihadapannya Mutia Sari, Dwi; Azheri, Busyra; Elvardi, Jean
UNES Law Review Vol. 6 No. 1 (2023)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i1.1177

Abstract

The main task of a notary is to create or record events authentically. For parties who make an agreement before a Notary, if a dispute arises related to the deed, then usually the first person to ask for advice is the Notary concerned. The main problem in this research is how the notary plays the role of the peace settlement agreement carried out by the parties before the notary regarding the dispute over the Deed of Jual Beili Peingikatan Agreement (PPJB). This legal research uses an empirical juridical method, namely a method of approaching problems by looking at applicable legal norms and then connecting them with legal facts found in the field. Meanwhile, this type of research is descriptive analytical, namely providing a clear and detailed description of an event that occurred. The results of the research, the role of a notary in the selection process of the Deed of Juial Beili Agreement (PPJB) made by the parties in front of him is that the notary can act by providing input regarding disputes between the parties in the deed made by the notary. This function is the role of the notary voluntarily as a party. who understands his duties and functions as a notary, and in this case the notary is also considered to really understand the essence of the ongoing problems and the peace litigation carried out by the parties before the notary regarding disputes over the Deed of Juial Beili Peining Agreement (PPJB), namely that the notary has the same ideals. Intuitive signatures provide legal guidance as well as providing information related to the execution of authentic deeds, as stipulated in Article 15 Paragraph (2) huiruif eiUiUiJN. In this case, the notary provides legal counseling to make the next deed after the parties have reconciled, namely in the form of a peace deed accompanied by a power of sale deed.
Penyelesaian Perjanjian Kredit Dalam Hal Debitur Telah Meninggal Dunia Tanpa Kepemilikan Asuransi (Studi di PT. Bank Nagari Cabang Utama) Danovand, Calvin; Azheri, Busyra; Adelina Mannas, Yussy
UNES Law Review Vol. 6 No. 1 (2023)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i2.1207

Abstract

Credit agreements are provisions that have legal certainty and apply as law to the parties to the agreement. In accordance with Article 1338 of the Civil Code paragraph (1) states that, "Any agreement made by the parties concerned constitutes a binding law between the two parties." So that in every credit agreement between the creditor and the debtor gives rise to a binding force between the debtor and the creditor, the settlement must be obedient and in accordance with the grace period that has been determined by both parties. Based on the background above, the problems to be studied are: 1) How to resolve the credit agreement in the event that the debtor has died without insurance ownership in PT. Bank Nagari West Sumatra Region? 2) How to carry out the responsibility of the heirs who receive inheritance on the debts of the heirs in PT. Bank Nagari West Sumatra Region? To solve the problem, an empirical juridical approach is used with the main data being primary data in the form of primary, secondary and tertiary legal materials. The results of the study and discussion that the Settlement of credit agreements for debtors has died without ownership of life insurance in Nagari Bank. Based on the results of the study, the following data can be obtained; 1) Guided by the legal provisions of Article 1381 of the Civil Code, steps taken after the event of the deceased debtor's situation, namely: payment, cash payment offer followed by storage or custody (consignation), debt renewal (novation), , debt encounters (compensation), mixing debts (confucion), debt relief, destruction of objects / goods that are the object of the agreement, void terms in each agreement (void / cancel), the enactment of a condition is void, and because of the expiration of time (expiration). This effort is made after the situation of the debtor has died. In addition, ways are taken through banking administration, non-litigation and litigation methods 2) The mechanism for the Implementation of Heir Responsibilities for the Debts of the Deceased Heir is by deliberation between the Credit Rescue Division and the Credit Officer with the Heirs of the debtor concerned. It aims to seek agreement on the payment of the remaining outstanding debtor credit to be settled and to look back at how the debtor's business was abandoned as well as what the condition of the collateral was collateralized to the bank. At that time, the bank assesses the ability to repay as well as the character of the customer itself. Research Methods. In conclusion, Bank Nagari was negotiate with the debtor's heirs who do not have the ability to pay their credit. Bank Nagari proposed the sale of the credit collateral, and found a third party who wanted to buy and sell the collateral to cover the credit.. Advice, maintain communication more intensely to safeguard the rights of both parties.
Perlindungan Hukum Terhadap Pencipta Lagu Akibat Pengunggahan Siaran Ulang Televisi ke Aplikasi Youtube (Studi Putusan Hakim Nomor 913K/Pdt.Sus-Hki/2022) Yosi, Mengga; Azheri, Busyra; Adelina Mannas, Yussy
UNES Law Review Vol. 7 No. 1 (2024)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v7i1.2254

Abstract

Indosiar telah melanggar Pasal 9 ayat( 2) UU Hak Cipta mengenai hak ekonomi karena telah mengumumkan dan menggandakan lagu ciptaan haji ukat melalui unggahan tanpa izin 145 konten vidio siaran ulang yang berisi 15 lagu Haji Ukat ke aplikasi YouTube sejak Tahun 2014 sampai 2021. Indosiar juga dinilai telah melanggar Pasal 5 ayat (1) mengenai hak moral karena khusus pada lagu pengemis cinta yang terdiri dari 5 (lima) konten mencantumkan nama orang lain yaitu Jhonny Iskandar. Berdasarkan persoalan tersebut, maka rumusan masalah dalam penelitian ini adalah : Bagaimana perlindungan hukum bagi pencipta lagu berdasarkan hukum positif di Indonesia ?. dan Bagaimana perlindungan hukum terhadap hak pencipta lagu akibat pengunggahan siaran ulang televisi ke aplikasi youtube ?. Penelitian ini merupakan penelitian yuridis normatif. Jenis dan sumber data dalam penelitian ini adalah data sekunder terdiri dari bahan hukum primer, bahan hukum sekunder, dan bahan hukun tersier. Berdasarkan hasil penelitian, pertama, Lagu yang bergenre dangdut dilindungi berdasarkan Pasal 2 ayat (1) dan Pasal 6 bis Konvensi Bern dan pada Pasal 5 ayat (1), Pasal 9 ayat (2) dan Pasal 40 ayat (1) UU Hak Cipta. Hak ekonomi atas lagu atau musik berlaku selama hidup pencipta dan terus berlangsung selama 70 (tujuh puluh) tahun setelah pencipta meninggal dunia, sedangkan hak moral Pencipta berlaku tanpa batas waktu sejak pertama kali dilakukan pengumuman. Kedua, bahwa Pencipta lagu berhak mendapatkan hak ekonomi atas unggahan siaran ulang yang dilakukan oleh Indosiar. Pada putusan hakim telah memberikan perlindungan hukum bagi pencipta lagu dengan memberikan ganti rugi, namun jumlah ganti rugi yang diberikan oleh Majelis Hakim tersebut belum memberikan keadilan terhadap kerugian yang diderita oleh pencipta.
Co-Authors Ade Putra Prima Afif Alfianda, Muhammad Ageng Triganda Sayuti agustia, tria Aisyah, Irma Anishya Yulia Anggraini Arben, Ali Arfando, Mohamad Sondan Atika Wulan Dari Atika Wulan Dari Aulia br Surbakti, Syafirah Azmi Fendri Baldi Pramana Bella Annisa Ardhani Calvin Danovand Chanda Ricci Christianto Youstra Valentino Dahlil Marjon Danovand, Calvin Dari, Atika Wulan Delima Fitrah, Indah Devi, Fatma Dianis, Ratna Dwi Mutia Sari Elvardi, Jean Ermia Zanasri Fahrul Rozi Fajri Hasrul Fakhri Yulenrivo Fatma Devi Habib Akbar Hamidi, Syahrul Harefa, Kasran Harsa Khairu Hasanah, Shally Mahdayatul Hasbi Hasbi Hasrul, Fajri Helda Shantyabudi Hengki Andora Hengki Andora Indah Delima Fitrah Indriani, Lidya Irma Aisyah Ivan Hamonangan Sianipar Jenny Divia Fitcanisa Kasran Harefa Khairu, Harsa Lidya Indriani Lucy Juwita Asni Mannas, Yussy A. Mirwati, Yulia Muhammad Afif Alfianda MUHAMMAD HASBI Muhammad Hasbi Muhammad Hasbi Muhammad Nur Idris Muhammad Rizki Muthia Wulandari, Nadya Mutia Sari, Dwi Nabila, Putri Nadya Muthia Wulandari Nani Mulyati Nazer, Muhammad Nur Idris, Muhammad Oktavia, Sri Pramana, Baldi Prima, Ade Putra Putra Perdana Ahmad Saifulloh Putri Nabila Putri Zakia Yurahman Putri, Diva Dezi Radella Elfani Rahayu Harina Rahman, Fadhil Randu Haryandu Refa Swinta Maharani Rembrand Rembrand Rembrand, Rembrand Rembrandt Rembrandt Rembrandt, Rembrandt Rhonny Yusvaldi Rosari, Anton Roza, Nerita San Yuan Sirait Shantyabudi, Helda Sri Oktavia Surbakti, Feri Antoni Sutjiadi, Silvia Tristanti Syahrul Hamidi Syam, Misnar Syofirman Syofyan Taufiqurrahman Taufiqurrahman Taufiqurrahman Taufiqurrahman Titia Tauhiddah Tria Agustia Upita Anggunsuri Valentino, Christianto Youstra Wetria Fauzi Yasniwati, Yasniwati Yenedy, Ringgo Yosi, Mengga Yulenrivo, Fakhri Yulfasni Yulfasni Yulfasni Yulfasni Yulfasni Yulfasni, Yulfasni Yulia Mirawati Yulia Susanti Yuni Zakira Yussy A. Mannas Yussy Adelina Mannas Yusvaldi, Rhonny Zainul Daulay Zanasri, Ermia