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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.
Globalization and Notary Authority In Making Agreements in The Era Industrial Revolution 4.0 RINA, RINA; Hernoko, Agus Yudha; Sembiring, Rosnidar; Purba, Hasim
Ultimate Journal of Legal Studies Vol. 1 No. 1 (2023): Ultimate Journal of Legal Studies (ULJLS)
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/uljls.v1i1.13192

Abstract

The industrial revolution in the era of globalization greatly influenced the authority and practice of notary in the future and became an interesting issue. Developments in technology (information) are the result of human intellectual works that have brought extraordinary change in human lifestyle. The purpose of this research to determine the impact of globalization regarding the authority of a notary and the responsibilities of a notary and the ideal authority in developing and completing the authority and services of a notary in the era of the industrial revolution 4.0. Notaries play a role in carrying out some of the public functions of the state in the field of civil law which carry out legal services to people/public who have responsibilities regarding authentic evidence in the form of letters, deeds or documents made in writing for various legal actions, agreements and stipulations law or other authorities based on the will and requests of the parties. The research method used is normative juridical by reviewing and analyzing legal materials in the form of notary regulations using library research. The results of this study are that currently notaries in Indonesia are still bound by Indonesian Notary Act namely Undang Undang Jabatan Notaris(shorten UUJN) which is no longer fulfill with the needs of the development of globalization. The authority of notary services and practices as a result of the impact of globalization is a challenge and opportunity for the development and improvement of the future of the profession and position of a notary with the support of information technology which must be regulated by the state through amendments to UUJN.
The nature of fairness in contracts: An electronic contract perspective Kharisma, Dona Budi; Hernoko, Agus Yudha; Thalib, Prawitra; Rana, Digvijay Singh
Jurnal Hukum Novelty Vol. 16 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26555/jhn.v16i1.29650

Abstract

Introduction to the Problem: The development of information technology has given rise to various types of electronic contracts in the form of adhesion contracts. Unfair legal issues surround the contract formation process and the content of new electronic contract models, such as browser wrap agreements and sign-in wrap agreements. In several cases that have been decided by the Court, the panel of judges has its own standards for deciding disputes based on a fair electronic contract. Purpose/Study Objectives: This paper aims to elaborate on the nature of contractual fairness from an electronic contract perspective. Design/Methodology/Approach: This study employed the statute approach and the case approach. This research examines various regulations relating to agreements, electronic contracts, the doctrine of unconscionability and examizing a number of decisions pertaining to electronic contracts from courts in Indonesia as well as various other nations. Findings: The research results can be concluded that nature of fairness in electronic contracts can be tested through two indicators, the process of forming the contract and clauses in the agreement. Electronic contracts are considered procedurally unfair if the weak party does not know and realizes that they are bound by a contract. An electronic contract is considered substantively unfair if a clause in the contract places an unreasonable burden on the weaker party. In addition to the doctrine of unconscionability, the principles of transparency, duty to read, and reasonable expectation must also be used to ensure fairness in electronic contracts. These principles need to be formulated into the norms of the Indonesian Information Transaction Act to protect consumers from unfair contracts. Paper Type: Research Article
The Urgency of Amending Article 251 of the KUHD Related to The Principle of the Utmost Good Faith in Insurance Agreements: (Critical Note on the Decision of the Constitutional Court Case Number 83/PUU-XXII/2024) Agus Yudha Hernoko; Fitri Nur Amalia; Ridaningjati , Pamungkas; Kinan Kalam Khalifa; Antonino Pedro Marçal
Jurnal Suara Hukum Vol. 7 No. 2 (2025): Jurnal Suara Hukum
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jsh.v7n2.p540-564

Abstract

This paper critically examines the Constitutional Court Decision Number 83/PUU-XXII/2024, which reviews the constitutionality of Article 251 of the Indonesian Commercial Code (KUHD) concerning the principle of utmost good faith in insurance contracts. The article stipulates that coverage becomes void if the insured conceals any facts, even if done in good faith. The urgency of this writing lies in the necessity to interpret Article 251 of the KUHD systematically and teleologically, particularly within the context of legal protection for both insurers and insured parties. This research employs a normative juridical approach with a prescriptive analysis of legal norms and the implications of the Court’s decision. The findings indicate that the phrase “renders the insurance void” in Article 251 of the KUHD should not be construed as void by law (nietig van rechtswege) but rather voidable (vernietigbaar), as it concerns the subjective element of mutual consent. The Court's decision has significant implications for restructuring insurance contract norms to ensure fair and proportional protection for all parties involved.
PERLINDUNGAN HUKUM BAGI KREDITOR DALAM PENGIKATAN OBYEK JAMINAN BERUPA SURAT KUASA JUAL SAAT DEBITOR WANPRESTASI Farid Bahtiar, Lukman; Yudha Hernoko, Agus
Jurnal Komunikasi Hukum Vol 4 No 2 (2018): Jurnal Komunikasi Hukum
Publisher : Program Studi Ilmu Hukum Fakultas Hukum dan Ilmu Sosial Universitas Pendidikan Ganesha Singaraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jkh.v4i2.15462

Abstract

Perjanjian kredit dengan dalam pengikatan obyek jaminan berupa surat kuasa jual dapat menimbulkan masalah hukum di kemudian hari bagi kreditor. Namun di sisi lain hal tersebut masih terjadi di masyarakat dengan anggapan sebagai wujud salah satu bentuk kebebasan berkontrak. Penulis dalam penelitian ini ingin menelaah dan menganalisa lebih lanjut tentang kedudukan hukum kuasa jual yang ditanda tangani oleh debitor kepada kreditor bersamaan dengan perjanjian kredit dan bentuk perlindungan hukum bagi kreditor dalam pengikatan obyek jaminan berupa surat kuasa jual saat debitor Wanprestasi Metode penelitian yang digunakan adalah penelitian hukum normatif, yaitu penelitian hukum yang dilakukan dengan cara meneliti bahan pustaka atau bahan hukum sekunder sedangkan pendekatan masalah dilaku kan dengan menggunakan pendekatan undang-undang dan pendekatan konseptual. Hasil penelitian menunjukkan kuasa jual yang ditandatangani oleh debitor kepada kreditor bersamaan dengan perjanjian kredit berakibat batal demi hukum. Perlindungan hukum kepada kreditor tetap ada meskipun surat kuasa menjual menjadi tidak sah atau batal demi hukum karena pada prinsipnya segala harta kekayaan debitor akan menjadi jaminan umum bagi perutangannya dengan semua kreditor. 
ASAS PROPORSIONALITAS SEBAGAI LANDASAN PERTUKARAN HAK DAN KEWAJIBAN PARA PIHAK DALAM KONTRAK KOMERSIAL Hernoko, Agus Yudha
Jurnal Hukum dan Peradilan Vol 5 No 3 (2016)
Publisher : Pusat Strategi Kebijakan Hukum dan Peradilan Mahkamah Agung RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25216/jhp.5.3.2016.447-466

Abstract

In commercial contracts, the debates about 'fairness and balance' that led to the 'injustice and imbalance' position of the parties basically irrelevant to be disclosed. It is based on the consideration that the positions of the parties in commercial contracts is similar on the stage of the negotiation process (pre-contractual phase), the formation of the contract (contractual phase) and the execution of the contract (post-contractual phase). Meanwhile, the results of the exchange of the interests of the parties considered fair if it lasts proportionally. The proportionality of exchange of rights and obligations under commercial contracts do not demand results that are always balanced and same (equilibrium-mathematically), therefore the differences in the results are considered fair and reasonably acceptable if the exchange process of the rights and obligations stay proportional. Application of the principle of proportionality in the whole chain of contractual process is basically a manifestation of the doctrine of "fairness of contract" adopted and developed today.Keywords : the exchange of rights and obligations, the principle of proportionality,fairness doctrine in a contract
ANALISIS HUKUM PENGADAAN OBAT BPJS SECARA ELEKTRONIK (E-PURCHASING) Ulum Rokhmat Rokhmawan; Agus Yudha Hernoko; M. Khoirul Huda
MEDICA MAJAPAHIT Vol 9 No 1 (2017): Medika Majapahit
Publisher : Sekolah Tinggi Ilmu Kesehatan Majapahit Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Seluruh Satuan Kerja di bidang kesehatan baik pusat maupun daerah dan FKTP atau FKRTL dalam pengadaan obat baik untuk program JKN maupun program kesehatan lainnya tidak perlu melakukan proses pelelangan, namun dapat langsung memanfaatkan Katalog Elektronik (e-Catalogue) obat dengan prosedur Pengadaan Secara Elektronik (e-Purchasing). Pengadaan Obat BPJS Secara Elektronik (e-Purchasing) merupakan merupakan tata cara pembelian obat BPJS sesudah sistem Katalog Elektronik (e-Catalogue) Obat tersedia. Penelitian ini merupakan penelitian hukum normatif dengan pendekatan yang digunakan dalam penelitian ini adalah pendekatan perundang-undangan (statue approach) dan pendekatan komparatif (comparative approach). Puskesmas sebagai UPT-SKPD termasuk pengguna barang/jasa yang menggunakan APBD dan/atau APBN sebagai bagian dari unsur penyelenggara Pemerintah Daerah (D), sehingga keberadaan Puskesmas tidak berbeda dengan Rumah Sakit Pemerintah Daerah maka model Pengadaan Obat BPJS secara Elektronik (e-Purchasing) di Rumah Sakit dapat diaplikasikan juga di Puskesmas dengan membentuk perangkat organisasi Pengadaan Barang/Jasa untuk menyederhanakan alur sistem Pengadaan Obat BPJS secara Elektronik (e-Purchasing) di Puskesmas.
Peningkatan Pengetahuan Hukum Kontrak dalam Pengelolaan Ekowisata di Desa Kare, Kabupaten Madiun, Jawa Timur melalui Pelatihan Kelompok Sadar Wisata Hernoko, Agus Yudha; Kurniawan, Faizal; Anand, Ghansham; Agustin, Erni
Jurnal Pengabdian Masyarakat Inovasi Indonesia Vol 2 No 5 (2024): JPMII - Oktober 2024
Publisher : CV Firmos

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54082/jpmii.597

Abstract

Sektor pariwisata merupakan salah satu sektor yang dapat bermanfaat untuk pertumbuhan ekonomi suatu daerah. Data Dinas Pariwisata Kabupaten Madiun mencatat, banyak wilayah desa di Kabupaten Madiun di lereng Gunung Wilis yang memiliki potensi wisata dan agrowisata yang dapat digarap, antara lain Sungai Catur, Taman Hutan Pinus Nongko Ijo, dan Base Camp Pendakian Wilis. Pembenahan guna meningkatkan kunjungan wisatawan ke objek wisata setempat terus dilakukan. Pengelola tempat wisata berasal dari warga desa setempat yang dikaryakan untuk sadar akan potensi wisata di desanya. Dalam pengelolaan dan pengembangan pariwisata khususnya ekowisata dibutuhkan pengetahuan dan ketrampilan mengenai kontrak kemitraan yang menjadi wadah hubungan hukum para pihak dalam pengembangan pariwisata. Metode pengabdian masyarakat ini adalah dengan penyuluhan dan pelatihan bagi Kelompok Sadar Wisata di wilayah Kecamatan Kare, Kabupaten Madiun. Ruang lingkup materi yang disampaikan dalam pengabdian masyarakat ini adalah mengenai urgensi pemahaman hukum kontrak, asas-asas, karakteristik kontrak kemitraan yang digunakan dan bermanfaat dalam pengelolaan pariwisata. Sebagai hasil kegiatan ini, Kelompok Sadar Wisata memiliki pengetahuan yang meningkat mengenai karakteristik dan prinsip hukum kontrak yang sesuai dengan bidang pengembangan wisata.
Pemberdayaan Aparatur Desa dalam Peningkatan Kompetensi Hukum Pengadaan Barang dan Jasa di Desa Wonosalam Kabupaten Jombang: Pengabdian Suheryadi, Bambang; Herini Siti Aisyah, Rr.; Yudha Hernoko, Agus; Kagramanto, Budi; Adhipramana, Fikri; Arnanda Mahantika, Nacha; Savero Rianda, Juan
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 2 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 2 (October 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i2.3380

Abstract

The objective of this activity is to enhance the legal competence and technical capacity of village officials in managing the procurement of goods and services in a transparent, accountable manner, and in compliance with prevailing laws and regulations. Through interactive training, simulations, and regulation-based mentoring, village officials have gained comprehensive legal knowledge, as well as technical skills in needs assessment, cost estimation (HPS) preparation, contract drafting, and accountability reporting. This activity also fosters the confidence of village officials in making rule-based decisions and promotes a culture of transparency and accountability in village governance. The results are evident from the increasing openness of procurement processes to public monitoring and the improved readiness of villages to face external audits.Moving forward, capacity strengthening for village officials should be implemented sustainably through regular training, discussion forums, and inter-village knowledge sharing facilitated by local governments, universities, and supervisory institutions to realize clean, orderly, and participatory village governance.
The Regulation of Land Ownership Rights for Legal Entities in the Perspective of Modern Agrarian Law: Challenges of Fair Legal Evolution Alen Saputra; Agus Yudha Hernoko; Agus Sekarmadji
Yuridika Vol. 41 No. 1 (2026): Volume 41 No 1, January 2026
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ydk.v41i1.75227

Abstract

Land ownership is a legally recognized right that represents the strongest and most comprehensive form of control over land. Within Indonesia’s agrarian legal system, land ownership rights are fundamentally granted only to Indonesian citizens. However, in practice, certain exceptions allow legal entities to obtain land ownership rights based on Law Number 5 of 1960 concerning Basic Agrarian Principles and Government Regulation Number 38 of 1963 concerning the Designation of Legal Entities Eligible to Hold Land Ownership Rights. These provisions have sparked theoretical and philosophical debates as legal entities do not possess descendants, while land ownership is inherently hereditary. This paper examines the philosophical foundation from a normative juridical perspective regarding the granting of land ownership rights to specific legal entities, as well as the urgency of regulatory reform to ensure legal certainty and to accommodate the evolving legal and societal needs within the framework of modernization.