Articles
<![CDATA[Regulating Pet Insurance in Indonesia ]]>
<![CDATA[Ermanto Fahamsyah]]>;
<![CDATA[Iswi Hariyani]]>;
<![CDATA[Ance Rimba]]>
<![CDATA[ Lentera Hukum Vol 7 No 1 (2020): LENTERA HUKUM ]]>
Publisher : <![CDATA[University of Jember ]]>
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DOI: 10.19184/ejlh.v7i1.11370
<![CDATA[Nowadays Indonesia has not had a regulation on pet insurance. Meanwhile, in practice, there already are some pet insurance products. This gap has led to pet insurance policies that are only being based on general contract regulations and principles. One of the general contract principles is the consensual principle which is outlined in Article 1320 paragraph 1 of the Civil Code. The research of this paper is conducted based on pet insurance regulations, principles and norms application. It concludes that pet insurance policies that are being based only on the consensual principle have binding legal force as regulated on Article 1338 of the Civil Code. The conception of pet insurance in Indonesia subsequently should refer to the Ministerial Regulations, such as the Regulation of Minister of Agriculture Number 40/Permentan/SR.230/7/2015 regarding Agriculture Insurance Facility and also other supplementary regulations. Keywords: Pet Insurance, Insurance Law, Insurance Contracts.]]>
<![CDATA[Penjaminan Hak Cipta Melalui Skema Gadai dan Fidusia ]]>
<![CDATA[Iswi Hariyani]]>
<![CDATA[ Jurnal Hukum IUS QUIA IUSTUM Vol. 23 No. 2: APRIL 2016 ]]>
Publisher : <![CDATA[Fakultas Hukum Universitas Islam Indonesia ]]>
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DOI: 10.20885/iustum.vol23.iss2.art7
<![CDATA[This study focuses on the issues of firstly whether the Intellectual Property Rights (IPR) particularly copyrights can be used as collateral debt/credit? Second, whether the copyright can be used as collateral debt/credit through a scheme of pawn guarantee? and third, whether copyright can be used as collateral debt/credit through a scheme of fiduciary guarantee? This is a normative research with legislation and conceptual approach. The result of the study concluded that first; Intellectual Property Rights (IPR) in particular copyright has been legalized as the collateral object through fiduciary scheme under Article 16 of Law No. 28, 2014. IPR in the form of tangible material can be bound with the pawn and/or fiduciary guarantee. While the Intellectual Property Rights in the intangible or non-material form can only be bound by fiduciary guarantee. Second, the Copyright in the form of material or tangible objects in the perspective of the Guarantees Law can be used as collateral guarantee through the pawn scheme. However, Law No. 28 of 2014 regulates completely about this matter. Third, the Copyright in the form of intangible or immaterial objects in the perspective of the Guarantee Law can be used as the collateral guarantee through fiduciary scheme as stipulated in Article 16 of Law No. 28, 2014. However, the implementation of these rules in the banking sector is still constrained as there has been no revision of the Bank Indonesia Regulation (PBI) No. 9/6 / PBI / 2007 in terms of the bank credit collateral.]]>
<![CDATA[Kajian Hukum Restrukturisasi Asuransi Jiwa Bersama Bumiputera 1912 sebagai Perusahaan Mutual ]]>
<![CDATA[Iswi Hariyani]]>
<![CDATA[ Jurnal Hukum IUS QUIA IUSTUM Vol. 24 No. 2: APRIL 2017 ]]>
Publisher : <![CDATA[Fakultas Hukum Universitas Islam Indonesia ]]>
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DOI: 10.20885/iustum.vol24.iss2.art8
<![CDATA[Penelitian ini mengangkat permasalahan, pertama, apa posisi perusahaan mutual AJBB dalam perspektif hukum Indonesia? Kedua, apa permasalahan hukum dalam restrukturisasi perusahaan mutual AJBB ? Ketiga, apa terobosan hukum dalam restrukturisasi perusahaan mutual AJBB ? Penelitian ini merupakan penelitian normatif yang menggunakan pendekatan undang-undang dan konseptual. Hasil penelitian menyimpulkan, pertama, perusahaan mutual belum diatur dalam undang-undang tersendiri. Hal ini berbeda dengan koperasi dan perseroan terbatas yang sudah diatur dalam undang-undang tersendiri. Kedua, restrukturisasi perusahaan mutual terkendala karena hingga kini hanya ada satu perusahaan jenis ini di Indonesia, sehingga sulit untuk melakukan merger dan konsolidasi. Perusahaan mutual juga tidak bisa diakuisisi sebab kepemilikannya tidak berbentuk saham melainkan keanggotaan. Ketiga, terobosan hukum diperlukan untuk merestrukturisasi perusahaan mutual dengan cara mendirikan perusahaan baru berbentuk perseroan terbatas. Semua aktiva dan pasiva selanjutnya dialihkan ke perusahaan baru, sehingga calon investor dan kreditor akan lebih tertarik menanamkan dana, sebab saham perusahaan baru lebih mudah diperjualbelikan dan dijadikan jaminan utang. Kata kunci : restrukturisasi, perusahaan mutual, hukum perusahaan]]>
<![CDATA[Memahami Peran Lembaga Pembiayaan Syari’ah Dalam Meningkatkan Aksesibilitas Keuangan UMKM Pada Masa Pandemi Covid19 ]]>
<![CDATA[Misbahul Ilham]]>;
<![CDATA[Iswi Hariyani]]>
<![CDATA[ Widya Yuridika Vol 3, No 2 (2020): Widya Yuridika: Jurnal Hukum ]]>
Publisher : <![CDATA[Universitas Widya Gama Malang ]]>
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DOI: 10.31328/wy.v3i2.1658
<![CDATA[This paper aims to discuss the ability of Islamic financial institutions to accommodate micro and medium enterprises (UMKM) financing through the Financial Services Authority Regulation. The Covid19 pandemic that is currently happening has greatly affected the sustainability and inclusiveness of UMKM caused by large-scale social risks (PSBB). The result is the limited movement of people in one area, especially UMKM in reaching Islamic financial institution facilities. Financial Technology was one of the options during the Covid19 pandemic, but the Financial Services Authority Regulation Number 77 / POJK.01 / 2016 concerning Information Technology-Based Borrowing and Lending Services has not been able to accommodate shari'ah fintech as an option for shari'ah financing during the COVID-19 pandemic ]]>
<![CDATA[Pelindungan Hukum terhadap Minuman Alkohol Tradisional Khas Indonesia (Legal Protection towards Indonesian Traditional Alcoholic Beverages) ]]>
<![CDATA[Cita Yustisia Serfiyani]]>;
<![CDATA[Iswi Hariyani]]>;
<![CDATA[Citi Rahmati Serfiyani]]>
<![CDATA[ Jurnal Negara Hukum: Membangun Hukum Untuk Keadilan Vol 11, No 2 (2020): JNH Vol 11 No 2 November 2020 ]]>
Publisher : <![CDATA[Pusat Penelitian Badan Keahlian Setjen DPR RI ]]>
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DOI: 10.22212/jnh.v11i2.1672
<![CDATA[Traditional alcoholic beverages have existed in Indonesian culture and society for various purposes. Its existence has been influenced by the concoction of alcoholic beverages which adversely affects the traditional alcoholic beverages’ image. These beverages are actually Intellectual Property Rights, IPR-based products of cultural heritage with indications of origin that have characteristics so that they cannot be compared to other countries’ alcoholic beverages, even though current regulations still regulate the opposite. This paper examines the legal protection of Indonesian traditional alcoholic beverages which are also adapted to their characteristics and the influence of Indonesian legal culture on these traditional alcoholic beverages. This research is a normative study with statutory, conceptual, and comparative approach method with South Korea and France as a comparison. Prudent and objective legal protection from the point of view of IPR for traditional alcoholic beverages is expected to develop positive aspects while still anticipating negative ones. This study concludes that Indonesian traditional alcoholic beverages that fulfill 3 unique characteristics can be protected as intangible cultural heritage (public property) or an indication of origin (belongs to local communities), although what is more appropriate now is an indication of origin so that the Government needs to adjust the regulatory design, especially at the national level, according to the indication of origin. AbstrakMinuman alkohol tradisional telah ada di budaya masyarakat Indonesia dengan berbagai tujuan peruntukan. Perkembangan eksistensinya dipengaruhi oleh minuman beralkohol racikan yang memberi pengaruh buruk ke citra alkohol tradisional. Minuman alkohol tradisional sesungguhnya merupakan produk berbasis kekayaan intelektual di bidang warisan budaya dan indikasi asal yang memiliki karakteristik sehingga tidak dapat disamakan dengan minuman beralkohol lainnya, meskipun regulasi yang ada saat ini masih mengatur sebaliknya. Tulisan ini meneliti mengenai pelindungan hukum minuman alkohol tradisional khas Indonesia yang disesuaikan pula dengan karakteristiknya dan pengaruh budaya hukum masyarakat Indonesia terhadap minuman alkohol tradisional tersebut. Penelitian ini merupakan penelitian normatif dengan metode pendekatan perundang-undangan, pendekatan konseptual, serta pendekatan perbandingan dengan Korea Selatan dan Prancis. Pelindungan hukum yang bijak dan objektif dari sudut pandang Hak atas Kekayaan Intelektual (HKI) terhadap minuman alkohol tradisional diharapkan dapat mengembangkan aspek positif dengan tetap mengantisipasi aspek negatifnya. Penelitian ini menyimpulkan bahwa minuman alkohol tradisional khas Indonesia yang memenuhi 3 karakteristik khusus dapat dilindungi sebagai warisan budaya tak benda (milik publik) ataupun indikasi asal (milik masyarakat lokal) walaupun yang lebih tepat untuk diterapkan saat ini adalah indikasi asal sehingga Pemerintah perlu menyesuaikan perancangan regulasi di tingkat pusat sesuai indikasi asal.]]>
<![CDATA[CONSEQUENCE OF COVID-19 PANDEMIC ON SHARE PRICE MOVEMENTS IN CAPITAL MARKET ]]>
<![CDATA[Iswi Hariyani]]>;
<![CDATA[Rhama Wisnu Wardhana]]>
<![CDATA[ UNEJ e-Proceeding 2022: E-Prosiding Kolokium Hasil Penelitian dan Pengabdian kepada Masyarakat ]]>
Publisher : <![CDATA[UPT Penerbitan Universitas Jember ]]>
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<![CDATA[The capital market longing as funding for companies and other institutions (e.g. the government) and for investing activities. The capital market provides a source of spending with a longer-term, which is invested in capital goods to create and multiply the means of production, creating markets and promoting healthy economic activity. The COVID-19 pandemic since March 2020 and its policies, such as the lockdown, have triggered a multidimensional global crisis in various fields, especially in the economic sector. Indonesia composite index or "IHSG" can be used to indicate the movement of the Indonesian stock market and stock-based investments, such as stock mutual funds. This research is included in normative juridical research. The authors use 2 (two) approaches, the statutory and conceptual approaches. There are 3 (three) problem formulations: first, Whether the Covid-19 pandemic has affected stock price movements in the capital market. Second, How the Covid-19 pandemic has affected stock price movements in the capital market. Third, How is the government's policy to anticipate the impact of the Covid-19 pandemic on the movement of capital market stock prices. The authors find that the implications of covid-19 are reflected in decline in stock values but also increasing the digital transformation. From the government's perspective,with OJK, several stimulus policies have been issued that are able to maintain market stability and the "IHSG".Keywords: Investment, Capital Market, Covid-19.]]>
<![CDATA[THE FIG LEAF TEA: INNOVATION OF THE PLANT OF HEAVEN RICH IN BENEFITS AS AN OPTIMIZATION OF HALAL INDUSTRY ]]>
<![CDATA[Wasito Wasito]]>;
<![CDATA[Siti Maria Wardayati]]>;
<![CDATA[Alfi Arif]]>;
<![CDATA[Septarina Prita Dania Sofianti]]>;
<![CDATA[Iswi Hariyani]]>;
<![CDATA[Mohammad Fiqkri]]>;
<![CDATA[Raissa Aulia Salsabila]]>;
<![CDATA[Nadya Astadewi Putri A]]>
<![CDATA[ UNEJ e-Proceeding 2022: E-Prosiding Kolokium Hasil Penelitian dan Pengabdian kepada Masyarakat Periode II Tahun 2022 ]]>
Publisher : <![CDATA[UPT Penerbitan Universitas Jember ]]>
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<![CDATA[The purpose of the service is to produce a teen tea business idea which is a healthy drink made from leaves that is rich in benefits, especially in increasing the body's immunity. Teen tea processing can be a means to increase the existence of fig leaves which are considered useless and cannot be processed. Teh Teen can be a solution to problems related to the low public interest in vegetables, especially people with unhealthy lifestyles and have a busy or busy daily life through the practical packaging of tea bags. The public can buy teen tea online or offline at an affordable price, which is IDR 10,000 for 5 pcs. Reviewing the human resource, marketing, operational and financial aspects of Teh Teen products is very feasible or feasible. The proof is in the aspect of the fund budget plan which always increases profits from year to year as well as the investment valuation analysis using the Payback Period Method that states that it is possible to run. Teh Teen's innovative products can support Indonesia's potential to become a halal industry and contribute to improving the Indonesian economy. The output of the dedication was in the form of a teen tea business plan product and won 2nd place in the Jember Islamic Economic Fair Contest at the University of Jember at the National level. Keywords: Fig Leaf Tea, Business plan product, halal industry]]>
<![CDATA[Tanggung Gugat Developer dan Penyedia KPR Terhadap Pembeli Perumahan atas Penggunaan Sertifikat Tanah Sebagai Agunan Bank (Studi Kasus Perumahan Violet Garden) ]]>
<![CDATA[Nengah Erlina Wahyu Damayanti]]>;
<![CDATA[Iswi Hariyani]]>
<![CDATA[ Journal of Private and Economic Law Vol 2 No 2 (2022): November 2022 ]]>
Publisher : <![CDATA[Private Law Department, Faculty of Law, University of Jember, Indonesia ]]>
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DOI: 10.19184/jpel.v2i2.28137
<![CDATA[Banks cannot provide mortgage facilities without collateral from developers because banks in providing credit facilities must apply collateral supply obligations. Explained in Article 8 of Law No. In the case of Violet Garden housing, it is known that the bank in providing mortgage facilities to residential buyers does not hold a certificate belonging to the buyer who is doing a mortgage where the debtor should submit the certificate to be used as collateral in the distribution of mortgages because the developer has guaranteed the certificate at another bank. So that for buyers who have paid off payments both in cash and mortgages can not make demands to process AJB in accordance with PPJB For the act, the form of developer liability on housing buyers for home certificates used to other banks to get the loan of funds is classified in the form of liability wanprestasi. Thus the developer must immediately redeem the home certificate or pay off the loan and compensate the losses incurred by the buyer, then in an effort to get the certificate of the aggrieved housing buyer can demand compensation with costs and interest by applying as a concurrent creditor to the curator by using ppjb evidence in accordance with Article 115 point 1 of Law No. 37 of 2004 on Bankruptcy and PKPU.]]>
<![CDATA[Keabsahan Kontrak Elektronik Dalam Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi ]]>
<![CDATA[Lintang Cahyani Andira]]>;
<![CDATA[Iswi Hariyani]]>
<![CDATA[ Jurnal Ilmu Kenotariatan Vol. 1 No. 2: November 2020 ]]>
Publisher : <![CDATA[Faculty of Law, University of Jember, Indonesia ]]>
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DOI: 10.19184/jik.v1i2.23432
<![CDATA[One of the advances in the digital economy today is the adaptation of technology in the financial sector, also known as Financial Technology (Fintech). This financial technology will shift the conventional financial industry by reason of the high demands of society. One of the fintech products is the provision of information technology-based lending and borrowing services (Peer to Peer or P2P Lending). The flow of fintech shifts the trading transaction system, which was originally paper-based, to a non-paper-based (digital) transaction system. The parties involved themselves in economic transactions which were originally bound using conventional contracts, turned into electronic contracts. Legal issues arise regarding the legal validity of conventional contracts which are translated into electronic form. Therefore, it is necessary to study the validity of this electronic contract further as the basis for the engagement between the two parties that enter into an information-based lending and borrowing service.]]>
<![CDATA[KARAKTERISTIK PRODUK ROBOT TRADING BERBASIS KECERDASAN ARTIFISIAL DI BURSA BERJANGKA KOMODITI ]]>
<![CDATA[Serfiyani, Cita Yustisia]]>;
<![CDATA[Hariyani, Iswi]]>
<![CDATA[ Perspektif Vol. 28 No. 2 (2023): Edisi Mei ]]>
Publisher : <![CDATA[Institute for Research and Community Services (LPPM) of Wijaya Kusuma Surabaya University ]]>
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DOI: 10.30742/perspektif.v28i2.871
<![CDATA[Aktifitas trading di pasar komoditi yang biasanya dilakukan oleh manusia sebagai pialang kini telah melibatkan peran robot berbasis kecerdasan artifisial yang berpotensi bersinggungan dengan isu etika dan norma hukum bahkan dapat merugikan masyarakat utamanya akibat substansi iklan yang tidak lengkap mengenai informasi baik dan buruknya penggunaan robot trading apalagi terhadap robot trading yang disediakan oleh lembaga yang belum terdaftar di BAPPEBTI. Konsumen menjadi pihak yang paling dirugikan padahal jika mengacu pada UU Nomor 8 Tahun 1999 tentang Perlindungan Konsumen (UUPK) konsumen berhak atas informasi dan perlindungan. Oleh sebab itu, perlu dikaji mengenai keabsahan perjanjian konsumen yang melandasi keputusan konsumen dalam memilih jasa robot trading di aktifitas investasinya serta kejelasan kedudukan subyek hukum dalam perjanjian investasi berjangka komoditi secara daring yang melibatkan peran robot trading ini. Penelitian dengan metode pendekatan perundang-undangan dan pendekatan konsep ini akan membahas dan meneliti mengenai aspek perlindungan konsumen bagi pengguna layanan robot trading di perdagangan berjangka komoditi sebagai perkembangan terbaru di luar UUPK sehingga penanganan terhadap kerugian konsumen hendaknya dapat disesuaikan dengan faktor utama penyebab kerugian yakni wanprestasi oleh pihak pengelola platform sebagai subyek hukum. Trading activities in the commodity market that are usually carried out by humans as brokers now involve the role of artificial intelligence-based robots which have the potential to intersect with issues of ethics and legal norms and can even be detrimental to society, mainly due to incomplete advertising substance regarding the good and bad information of using trading robots, let alone against trading robots provided by institutions that have not been registered with BAPPEBTI. Consumers are the most disadvantaged party even though when referring to Law Number 8 of 1999 concerning Consumer Protection (UUPK) consumers have the right to information and protection. Therefore, it is necessary to study the validity of consumer agreements that underlie consumer decisions in choosing robot trading services in their investment activities and the clarity of the position of legal subjects in online commodity futures investment agreements that involve the role of this trading robot. Research using the statutory approach method and this conceptual approach will discuss and examine aspects of consumer protection for users of robot trading services in commodity futures trading as the latest development outside the UUPK so that the handling of consumer losses should be adjusted to the main factors causing losses, namely default by the platform manager as a legal subject.]]>
