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All Journal Jurnal Dinamika Hukum Rechtsidee Perspektif : Kajian Masalah Hukum dan Pembangunan Hasanuddin Law Review Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada International Journal of Supply Chain Management Media Iuris Notaire ADIL : Jurnal Hukum HUKUM BISNIS Jurnal Impresi Indonesia Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Yuridika Ius Positum: Journal of Journal Of Law Theory And Law Enforcement Perspektif Hukum Hang Tuah Law Journal Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP) Srawung: Journal of Social Sciences and Humanities Yuris: Journal of Court and Justice Acitya Wisesa: Journal of Multidisciplinary Research Journal of Central Banking Law and Institutions Lex Journal : Kajian Hukum dan Keadilan Journal of Islamic Law Studies Jurnal Hukum dan Pembangunan Jurnal Penelitian Pendidikan Indonesia Konsensus: Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi
Trisadini Prasastinah Usanti
Fakultas Hukum Universitas Airlangga
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Public Health Social Sciences Transportation Other

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POLA PENYELESAIAN SENGKETA KONSUMEN PADA TRANSAKSI ELEKTRONIK Bambang Sugeng Ariadi; Zahry Vandawati Chumaida; Trisadini Prasastinah Usanti
Lex Journal: Kajian Hukum & Keadilan Vol 5 No 1 (2021): July
Publisher : Faculty of Law, University of Dr. Soetomo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (854.27 KB) | DOI: 10.25139/lex.v5i1.4131

Abstract

During the COVID-19 pandemic, to avoid transmission of COVID-19, the government implemented restrictions on community activities (PPKM). Social restrictions during the Corona Virus (Covid-19) pandemic encourage the use of electronic transactions to become more massive. The Covid-19 pandemic has made consumers and business actors increasingly use electronic systems in transactions. The increase in electronic transactions during the Covid-19 pandemic, adds to the risk of loss for consumers. During the pandemic, consumer complaints related to online transactions soared. This is the problem with the idea of ​​community service. For this reason, the solution given is the pattern of consumer dispute settlement patterns in electronic transactions.
THE COOPERATION BETWEEN CONVENTIONAL COMMERCIAL BANKS AND RURAL BANKS FOR FINANCIAL INCLUSIVENESS IMPROVEMENT OF SMALL, MEDIUM AND MICRO ENTERPRISES Usanti, Trisadini Prasastinah; Setiawati, Anindya Prastiwi
IUS POSITUM: Journal of Law Theory and Law Enforcement Vol. 1 Issue 2 (2022)
Publisher : jfpublisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (206.884 KB) | DOI: 10.56943/jlte.v1i2.67

Abstract

One of the accesses to funding for MSMEs is by inclusive financing which conducted through the collaboration between conventional commercial banks (BUK) and rural credit banks (BPR) with executing, channeling and joint financing schemes. The MSMEs Credit Banking Cooperation (KPKU) between BUK and BPR aims to be mutually beneficial with the ultimate goal is for more financed MSMEs by banks. For BPRs that have limited funds, the KPKU is the main alternative source of funds apart from savings and time deposits. The executing, channeling and co-financing schemes have different characters, especially to parties that dividing the funds to MSMEs debtors and parties who bear the risk due to non-payment funds that have been distributed to MSMEs. This research is a normative research using statutory and conceptual approach. This research concludes that there are three schemes have different characteristics, especially regarding to the parties that distributed the funds to MSME debtors and parties who guarantee the risk due to MSME debtors defaulting.
PRECAUTIONARY PRINCIPLES IN INFORMATION TECHNOLOGY-BASED JOINT FUNDING SERVICES Usanti, Trisadini Prasastinah; Nurwahjuni
IUS POSITUM: Journal of Law Theory and Law Enforcement Vol. 2 Issue 2 (2023)
Publisher : jfpublisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56943/jlte.v2i1.273

Abstract

Easy requirements with a fast process and no collateral required make funding through LPBBTI highly popular among the community. In addition, these activities also provide convenience, speed, and practicality in funding. Unfortunately, there are funding risks involved, such as potential defaults by fund recipients. The funding risk will be borne by the funder and the risk will be even greater if there is no collateral in the funding because the position of the funder is only as a concurrent creditor. The objective of this research is to find out precautionary principles in information technology-based joint funding services. The method used judicial normative research was conducted to understand the legal subject and legal relationship of precautionary principles in information technology-based joint funding services. Therefore, the POJK10/POJK.05/2022 does not explicitly state the precautionary principle as the basis for LPBBTI's business activities. However, it has been realized in the norms contained in POJK10/POJK.05/2022, in the form of norms that require and norms that prohibit. One of them is the obligation to conduct funding risk analysis as a risk mitigation effort. This is intended to ensure that LPBBTI develops optimally, healthily, contributively and that users' needs for optimal protection can be accommodated.
THE SETTLEMENT OF ADOPTED CHILDREN STATUS REGARDING THE INHERITANCE OF ADOPTION PARENTS IN TORAJA COMMUNITIES Poespasari, Ellyne Dwi; Usanti, Trisadini Prasastinah; Soelistyowati
YURIS: Journal of Court and Justice Vol. 2 Issue 1 (2023)
Publisher : jfpublisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56943/jcj.v2i1.240

Abstract

The child adoption in Toraja community is valid when it is conducted with traditional ceremony. However, the adoption of children that declared with traditional ceremonies still does not fully meet the requirements in written law which can lead to the legitimacy of adopted child position as the heir of his adoptive parents. The settlement of disputes over the inheritance distribution of adopted children can be resolved through the deliberations of relatives and customary heads. However, in its development, the Toraja community began to resolve these disputes through the courts, because it was considered more capable of providing justice and legal certainty. This legal research is empirical research (socio-legal research) that can be classified into analytical descriptive research. The data used is primary data, which is obtained from observation, interviews with respondents and informants while secondary data is in the form of judge's decisions and related legal theories.
TRADEMARK RIGHTS AS CREDIT COLLATERAL TO STRENGTHEN THE SELF-RELIANCE OF MSMES Usanti, Trisadini Prasastinah; Sujatmiko, Agung; Kurniawan, Ari
Srawung: Journal of Social Sciences and Humanities Vol. 3 Issue 2 (2024)
Publisher : jfpublisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56943/jssh.v3i2.534

Abstract

Micro, Small and Medium Enterprises (MSMEs) have an important role in the Indonesian economy, and contribute significantly to Gross Domestic Product (GDP) and employment. However, MSMEs often struggle to access adequate financing to support the growth and sustainability of their businesses. One of the main issues is the limited assets that can be used as collateral to obtain credit. The objective of this research is to analyze the availability of trademark rights as credit collateral which can be a solution for MSME businesses that have difficulties in obtaining access to bank funding due to the inability to provide property collateral. This research is a normative research that uses a statutory and conceptual approach. The primary legal materials analyzed are the Trademark and Geographical Indications Law, the Law on Financial Sector Development and Strengthening (PPSK Law), the Copyright Law, the Patent Law and their respective supporting regulations. The result of this research is that the trademark rights of MSME businesses that have been registered at the Directorate General of Intellectual Property and issued a trademark certificate, in addition to obtaining legal protection, can also be used as collateral for bank loans so as to obtain funding from banks, where such funding can help increase the independence of MSME businesses.
Review the principle of trust in the marketing of investment-linked insurance products (PAYDI) in bancassurance Hutomo, Cindy Indudewi; Hernoko, Agus Yudha; Usanti, Trisadini Prasastinah; Chumaida, Zahry Vandawati
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol 10, No 4 (2024): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020243239

Abstract

Trust is an essential element in the realm of investment. This study examines two legal issues in Bancassurance's PAYDI marketing. This study employs normative legal research, a systematic scientific approach used to address legal concerns that result from regulation. The utilized data consists of secondary sources, including statutes, judicial rulings, legal doctrines, and scholarly viewpoints. This study suggests that it is important to examine the teleological contractual relationship between the parties involved, particularly those that place importance on the social and moral components of the contract's goal. The collaboration between PAYDI and life insurance firms in implementing bancassurance marketing strategies with distribution business models is essential.
DEBT CHARACTERISTICS IN FINANCING BASED ON PROFIT SHARING PRINCIPLES IN SHARIA BANKS Usanti, Trisadini Prasastinah; Nurwahjuni, Nurwahjuni; Setiawati, Anindya Prastiwi; Setiawati, Nur Utari
Srawung: Journal of Social Sciences and Humanities Vol. 4 Issue 2 (2025)
Publisher : jfpublisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56943/jssh.v4i2.764

Abstract

One of the fundamental principles underlying financing in sharia banks is the principle of profit sharing, specifically in mudharabah and musyarakah contracts. These financing schemes are characterized by the sharing of business profits and losses. However, the term “debt” appears in the clauses of mudharabah and musyarakah financing contracts in sharia banks and in several Religious Court decisions. In fact, financing based on the profit-sharing principle constitutes a partnership between capital and labor, not a debt or credit contract. Therefore, in mudharabah financing, if a loss occurs that is not due to the negligence of the capital manager (mudharib), it is borne by the capital owner (shahibul maal), whereas in musyarakah financing, losses are borne jointly. This study examines the issue of debt in financing based on the profit-sharing principle. The approaches employed include statutory, conceptual, and case law analysis. The term “debt” in this context refers to an outstanding obligation in the form of financing capital and the profit-sharing portion derived from the ongoing business income of the mudharib, which is the rightful share of the shahibul maal. However, the profit-sharing portion from a business that has ceased operations is not considered a debt that the mudharib is obligated to repay to the shahibul maal.
Deposit Guarantee Institutions In Microfinance Institutions In Indonesia: A Hope? Usanti, Trisadini Prasastinah; Yuniarti, Yuniarti; Thalib, Prawitra
Yuridika Vol. 40 No. 3 (2025): Volume 40 No 3 September 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ydk.v40i3.55514

Abstract

This research aims to analyze the depositors of funds’ legal protection in MFI through the existence of the Deposit Insurance Corporation. This legal research uses a statutory approach and a conceptual approach. The establishment of a Deposit Insurance Corporation in Microfinance Institutions has been mandated since 2013 in the Microfinace Institutions act which aims to guarantee the deposits of MFI members and communities, but until the promulgation of the Financial Sector Development and Strengthening Act has not been formed. Provisions on preventive protection for depositors of funds in MFI even though they have been regulated in the Microfinance Institutions Act, the Financial Sector Development and Strengthening Act as well as POJK 10/2021 and POJK 19/2021, however the existence of the Deposit Insurance Corporation at Microfinance Institutions is still needed as the existence of the Deposit Insurance Corporation that guarantees deposits at banks. The existence of a Deposit Insurance Corporation in Microfinance Institutions is very important in order to ensure the payment of deposits from members and the public if the Microfinance Institution is revoked its license by the Financial Services Authority and to maintain the trust of members and the public. Due to the lack of position the depositor of funds in Microfinance Institutions is only a concurrent creditor so that potentially deposits are not fully paid.
Sertifikat Merek Sebagai Alternatif Solusi Pada Tindakan Penyelesaian Kredit Bermasalah Kurniawan, Ari; Sujatmiko, Agung; Usanti, Trisadini Prasastinah; Aryatie, Indira Retno
Jurnal Pengabdian Masyarakat: Pemberdayaan, Inovasi dan Perubahan Vol 5, No 5 (2025): JPM: Pemberdayaan, Inovasi dan Perubahan
Publisher : Penerbit Widina, Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/jpm.v5i5.1894

Abstract

Micro, small, and medium enterprises (MSMEs), including street vendors, contribute significantly to the national economy, both in terms of employment and local economic turnover. However, MSMEs often face various obstacles, particularly in terms of access to financing and sustainable business management. The COVID-19 pandemic has exacerbated this situation with a decline in people's purchasing power, disruption of supply chains, and reduced turnover, causing many businesses to struggle to meet their credit obligations. As a result, there has been an increase in non-performing loans (NPLs), which not only harm financial institutions but also threaten the survival of MSMEs themselves. In the context of resolving non-performing loans, the conventional approach of using physical collateral such as land and buildings is often inaccessible to MSMEs with minimal assets. Therefore, trademark certificates can be offered as an alternative solution. Legally registered trademarks have economic value as intellectual property that can be used as fiduciary collateral or credit restructuring instruments. By utilizing trademark certificates, MSMEs not only have the opportunity to strengthen their business identity and competitiveness, but also gain a new instrument for resolving non-performing loans. This approach opens up innovative space in inclusive financing while expanding recognition of intellectual property-based assets in the national financial system.ABSTRAKUsaha Mikro, Kecil, dan Menengah (UMKM) termasuk Pedagang Kaki Lima (PKL) memiliki kontribusi signifikan terhadap perekonomian nasional, baik dalam penyerapan tenaga kerja maupun perputaran ekonomi lokal. Namun, UMKM kerap menghadapi berbagai kendala, terutama dalam hal akses pembiayaan dan pengelolaan usaha yang berkelanjutan. Pandemi COVID-19 memperburuk kondisi ini dengan menurunnya daya beli masyarakat, terganggunya rantai pasok, serta berkurangnya omset yang menyebabkan banyak pelaku usaha kesulitan memenuhi kewajiban kreditnya. Akibatnya, muncul fenomena kredit bermasalah (non-performing loan/NPL) yang tidak hanya merugikan pihak lembaga keuangan, tetapi juga mengancam kelangsungan usaha UMKM itu sendiri. Dalam konteks penyelesaian kredit bermasalah, pendekatan konvensional melalui jaminan fisik seperti tanah dan bangunan sering kali tidak dapat diakses oleh UMKM yang minim aset. Oleh karena itu, sertifikat merek dapat ditawarkan sebagai alternatif solusi. Merek yang telah terdaftar secara hukum memiliki nilai ekonomi sebagai kekayaan intelektual yang dapat dijadikan jaminan fidusia atau instrumen restrukturisasi kredit. Dengan memanfaatkan sertifikat merek, UMKM tidak hanya memiliki peluang untuk memperkuat identitas usaha dan daya saing, tetapi juga memperoleh instrumen baru dalam penyelesaian kredit bermasalah. Pendekatan ini membuka ruang inovatif dalam pembiayaan inklusif sekaligus memperluas pengakuan terhadap aset berbasis kekayaan intelektual dalam sistem keuangan nasional.
Optimalisasi Skema Penjaminan Kredit dalam Mendukung Kemandirian UMKM di Indonesia Usanti, Trisadini Prasastinah; Setiawati, Anindya Prastiwi
Jurnal Ilmu Hukum, Humaniora dan Politik Vol. 5 No. 3 (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.v5i3.4103

Abstract

Penelitian ini bertujuan untuk menganalisa keberadaan penjamin kredit yang menjadi solusi akhir bagi nasabah UKM yang kesulitan mendapatkan akses pendanaan di layanan perbankan. Kasus ini muncul karena ketidakmampuan menyediakan jaminan, lemahnya kemampuan dalam mengelola usaha, terbatasnya kualitas sumber daya manusia dan kurangnya kualitas administrasi. Penelitian ini merupakan penelitian hukum normative yang bersifat kritis dengan menggunakan sumber-sumber hukum dan pendekatan konseptual untuk mengtahui fenomena-fenomena terkait jaminan kredit berdasarkan hukum yang berlaku yaitu Burgerlijk Wetboek, Undang-Undang Jaminan dan Peraturan Pelaksanannya. Hasil dari penelitian ini menunjukkan bahwa jaminan kredit membuat perbankan berani memberikan kredit Kepada nasabah UKM untuk mendapatkan kredit tanpa agunan. Apabila nasabah UKM mengalami kredit macet, maka lembaga penjaminan akan melakukan pembayaran atas tunggakan yang dialami nasabah UKM. Dapat dikatakan bahwa keberadaan penjaminan kredit oleh lembaga penjaminan telah menurunkan risiko kredit UKM yang berhadapan dengan perbankan, sehingga masalah akses pendanaan perbankan untuk UKM dapat teratasi.
Co-Authors A. Shomad Agung Sujatmiko Agus Yudha Hernoko Anindya Prastiwi Setiawati Ari Kurniawan Ari Kurniawan ARI KURNIAWAN Bambang Sugeng Ariadi Bambang Sugeng Ariadi Subagyono Bambang Sugeng Ariadi Subagyono Cindy Indudewi Hutomo Dita Elvia Kusuma Putri Ellyne Dwi Poespasari Erni Agustin Fiska Silvia Fiska Silvia Raden Roro Galang Fauzan Prawinda Ghansham Anand Hidayat, Savitri Winawati Hutomo, Cindy Indudewi Indira Retno Aryatie Inti, Ristani Widya Kuwido Prahoro Limantara, Vanessa Widya Luh Putu Ratna Sundari Naini, Romlatust Ninis Nugraheni Nugraha, Xavier Nur Utari Setiawati Nurwahjuni Nurwahjuni, Nurwahjuni Oemar Moechthar Prawitra Thalib Setiawati, Nur Utari Soelistyowati Sukardi Sukardi Vinanda Prameswati Wisnujatia, Nugrahini Susantinah Yuniarti Yuniarti Yuniarti Zahry Vandawati Chumada Zahry Vandawati Chumaida