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Prinsip Contra Proferentem pada Banker Clause (Studi Pada Putusan Pengadilan Tinggi Nomor 64/PDT/2016/ PT PAL) Sasono, Wasis Singgih; Isharyanto, Isharyanto
HUKUM PEMBANGUNAN EKONOMI Vol 11, No 2 (2023): Jurnal Hukum dan Pembangunan Ekonomi
Publisher : Program Pascasarjana Fakultas Hukum Universitas Sebelas Maret Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/hpe.v11i2.66709

Abstract

Kegiatan kredit dan asuransi dalam kesepakatannya dituangkan dalam bentuk kontrak kredit dan polis asuransi. Dalam kontrak tersebut, pihak penyedia kredit sebagai pengusaha memasukkan klausula baku yang dituangkan dalam bentuk formulir yang akan disetujui atau tidak disetujui oleh calon nasabah (take it or leave it). Klausula baku kontrak kredit dalam bentuk banker clause mengharuskan nasabah menggunakan dan melunasi asuransi jiwa sebagai jaminan pertanggungan bilamana terjadi risiko di kemudian hari dalam masa pelunasan kredit. Penelitian ini bertujuan menganalisis prinsip contra proferentem yang digunakan pada putusan Pengadilan Tinggi Nomor 64/PDT/2016/PT PAL. Penelitian ini menggunakan metode penelitian hukum normatif (doctrinal research). Pendekatan dalam penelitian ini menggunakan pendekatan perundangan dan pendekatan konsep hukum berupa pelaksanaan prinsip contra preferentem pada banker clause. Bahwa pada contoh kasus pada putusan pengadilan tersebut, sebagai upaya terakhir, contra proferentem hanya relevan jika ada hasil imbang, yaitu sisi masing-masing menominasikan dua atau lebih yang sama-sama masuk akal, tetapi saling kontradiktif, interpretasi kontraktual mereka. Dalam kasus ini karena jelas posisi konsumen dilemahkan atas klausula baku yang dibuat pengusaha dalam hal ini perusahaan kredit perbankan dan asuransi yang mangkir dan seolah-olah itu menjadi konsekuensi kontrak bagi konsumen (nasabah). Pada contoh putusan pengadilan tingkat pertama telah menggunakan prinsip contra proferentem karena hal pelemahan konsumen dengan desakan somasi tanpa dasar yang faktual. Namun sangat disayangkan terjadi cacat formil, pihak asuransi PT Asuransi Bumi Asih Jaya belum dipanggil secara patut maka putusan dinyatakan batal demi hukum.
PENERAPAN PARLIAMENTARY THRESHOLD DALAM PEMBENTUKAN PEMERINTAHAN PRESIDENSIAL YANG STABIL MENURUT UNDANG-UNDANG DASAR NEGARA REPUBLIK INDONESIA TAHUN 1945 Iswandari, Bunga Asoka; Isharyanto, Isharyanto
Res Publica: Jurnal Hukum Kebijakan Publik Vol 3, No 1 (2019): Januari - April 2019
Publisher : Department of the Constitutional Law, Faculty of Law Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/respublica.v3i1.45579

Abstract

This study aims to examine the Application of Treshold Parliamentary in the Establishment  of  Stable  Presidential  Governments  according  to  the 1945 Constitution of the Republic of Indonesia. This research is normative legal research, the types and sources of data used are secondary data consisting of primary legal materials and secondary legal materials related to the discussion. The nature of the research used is descriptive research using the Law approach, case approach, historical approach, comparative approach, and conceptual approach. The legal material analysis technique used is deduction with the syllogism method, meaning that the analysis of legal material prioritizes thinking logically so that it finds the cause and effect that will occur. The results of the study show how the influence of the implementation of the parliamentary threshold in the Indonesian electoral system towards the establishment of a stable presidential government adopted by Indonesia in accordance the 1945 Constitution of the Republic of Indonesia.
EKSISTENSI OTORITAS JASA KEUANGAN SEBAGAI LEMBAGA NEGARA INDEPENDEN (STUDI KASUS TERHADAP PUTUSAN MAHKAMAH KONSTITUSI NOMOR 25/PUU-XII/2014) Isharyanto, Isharyanto; Laxamana, M.R.F. Izzata
Res Publica: Jurnal Hukum Kebijakan Publik Vol 1, No 3 (2017): September-Desember 2017
Publisher : Department of the Constitutional Law, Faculty of Law Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/respublica.v1i3.46902

Abstract

The state of Indonesia is a country that adheres to the principle of Pancasila. The principle of Pancasila is a concept that focuses more on mutual cooperation or kinship. Reflected through the sound of the Pancasila Five Precepts is “Social Justice for all Indonesian people.” In the DECISION OF THE CONSTITUTIONAL COURT OF THE NUMBER 25 / PUU-XII / 2014, several articles of both parties have been enacted on the article of OJK itself, and then there are several arguments or considerations which are included in the Constitutional Court itself. The legal consequences of the Constitutional Court Decision Number 25 / PUU-XII / 2014 are the amendments to article 1 number 1 of the OJK Law, namely the abolition of the word “free from the interference of other parties”, and let the word stand alone. Article 1 Sub-Article 1 of the OJK Law meanjadi “Financial Services Authority, hereinafter abbreviated OJK, is an independent institution, which has the functions, duties, and authority of regulation, supervision, examination and investigation in this law.”
IZIN PEMERIKSAAN TERHADAP ANGGOTA DPR OLEH APARAT PENEGAK HUKUM DIKAITKAN DENGAN PRINSIP NEGARA HUKUM Isharyanto, Isharyanto; Lestari, Dwi
Res Publica: Jurnal Hukum Kebijakan Publik Vol 1, No 1 (2017): Januari-April 2017
Publisher : Department of the Constitutional Law, Faculty of Law Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/respublica.v1i1.46705

Abstract

This paper aimed  to know the change of the construction of investigation permission of  parliament (DPR) members to become need the  approval of the President as well as its relevance to the legal principles of the rule of law. This research is the normative legal research which areprescriptive. The permission construction changes as a consequence upon issuance the Constitutional Court decision number 76/PUU-XII/2014. The results showed that the change in investigation permission construction of Parliament (DPR) membersby law enforcement be require approval by the President because Mahkamah Kehormatan Dewan (MKD) is the institution of ethics that have no direct relationship with the criminal justice system. In addition, the DPR as State officials must be balanced with adequate judicial protection and proportionate, as well as an effort to uphold the mechanism of checks and balances between the holder of legislative powers and the holder of the executive power. Then investigation permission of members of Parliament are not relevant when it is  associated with both the principle of rule of law, namely the equality before the law principle and independent and impartial judiciary principle.
QUO VADIS HAK POLITIK MANTAN NARAPIDANA PASCA PUTUSAN MAHKAMAH KONSTITUSI NOMOR 42/PUU-XII/2015 Widyatama, Alfian; Isharyanto, Isharyanto
Res Publica: Jurnal Hukum Kebijakan Publik Vol 3, No 3 (2019): September - Desember 2019
Publisher : Department of the Constitutional Law, Faculty of Law Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/respublica.v3i3.45670

Abstract

This study aims to determine the political rights of ex-prisoners who wish to participate in the contestation of democratic parties in the context of elections after the Decision of the Constitutional Court Number 42 / PUU-XII / 2015.. The research method used is normative legal research. The approach used is the approach of law and case approach. Sources of legal materials used are primary and secondary legal materials. The Constitutional Court through Decision Number 42 / PUU-XIII / 2015 states that the form of reduction in the right to honor which can be equated with the criminal revocation of certain rights with the condition that someone has been sentenced to prison for committing a crime is threatened with imprisonment of five years or more . Restrictions on the political rights of ex-prisoners to participate in electoral contestations are in line with the demands of the need for someone who wants to fill public positions that are truly clean without legal defects that are identical to the damage to moral values, religion, public order in a person. the former prisoner.
PERSYARATAN CALON ANGGOTA DEWAN DIKAITKAN DENGAN UPAYA MENINGKATKAN KINERJA FUNGSI LEGISLASI DEWAN PERWAKILAN RAKYAT Isharyanto, Isharyanto; Rosita, Dian
Res Publica: Jurnal Hukum Kebijakan Publik Vol 1, No 2 (2017): Mei-Agustus 2017
Publisher : Department of the Constitutional Law, Faculty of Law Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/respublica.v1i2.46873

Abstract

The Constitution of Republic of Indonesia 1945 has not explicitly regulated the requirements to become a member of House of Representatives. The requirements of prospective members of the House of Representatives as contained in Article 51 of Law Number 8 of 2012 has not fully impactedto the improvement of the legislative function of Parliament. In addition, another problems related to the main function of Parliament as a legislator is about how well the quality of act by Indonesian Parliament. Need a restructuring of internal and external factors relating to the poor performance of legislative function by the House of Representatives. So that the performance of legislative function by the House of Representatives can be implemented better in the future
GAGASAN PEMBADANAN PENGUJIAN PREVENTIF KE DALAM SISTEM KETATANEGARAAN REPUBLIK INDONESIA (PERBANDINGAN DENGAN CONSEIL CONSTITUTIONNEL DE LA RÉPUBLIQUE FRANÇAISE) Sukmawati, Irma Oktavia; Isharyanto, Isharyanto
Res Publica: Jurnal Hukum Kebijakan Publik Vol 2, No 1 (2018): Januari - April 2018
Publisher : Department of the Constitutional Law, Faculty of Law Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/respublica.v2i1.45500

Abstract

This research aims to analyze how the implementation of judicial preview in the French Constitutional Council. Furthermore,, the author also examine what matters that implicate the acceptance of the idea of judicial preview when implanted into the constitutional system of the Republic of Indonesiaby examine and develop a mechanism to check list or a system applied in French Constitutional Council named judicial preview. To ensure that it each law making process in accordance with the constitution so that decreasing the number of judicial review in the Constitutional Court In this research, a method use normative juridical by using statute approach, and comparative approach. From the research explores a judicial preview mechanism in Constitutional Court to verify the value of constitutionality a draft law, so that the embodying of judicial preview mechanism in the constitutional system of the Republic of Indonesia is embodied as an authority and additional mechanism for Indonesian Constitutional Court.
ANALISIS PEMBENTUKAN KECAMATAN BARU DI KOTA MADIUN UNTUK MENINGKATKAN PELAYANAN KEPADA MASYARAKAT Tarandeli, Rizka Ramadhani; Isharyanto, Isharyanto
Res Publica: Jurnal Hukum Kebijakan Publik Vol 2, No 2 (2018): Mei - Agustus 2018
Publisher : Department of the Constitutional Law, Faculty of Law Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/respublica.v2i2.45532

Abstract

This article aims to analyze and examine the setting up of new kecamatan formation in Madiun City based on Government Regulation Number 19 Year 2008 regarding Subdistrict as well as the establishment of new districts in Madiun City. This empirical legal research is descriptive with the location of research at the Central Bureau of Statistics of Madiun City, Village Monograph from the Governmental Section Madiun City. Types and sources of research data include primary and secondary data. Data collection techniques through interviews and literature study. Data analysis technique is done qualitatively with interactive model analysis. The results of this study explain that the formation of new sub-districts in Madiun City must meet some of the requirements contained in Government Regulation Number 19 Year 2008, in Article 3, the formation of sub-districts as referred to in Article 2 must meet the three conditions that become the benchmark in the formation of new kecamatan. The terms in question are administrative requirements, technical requirements, and physical conditions of the territory.
Reformulation of the Cultural Heritage Law for Climate Adaptation Based on Local Wisdom Isharyanto, Isharyanto; Caesar Bimantya, Deva Mahendra
Jambe Law Journal Vol. 9 No. 1 (2026): 2026
Publisher : Faculty of Law, Jambi University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/08st1g52

Abstract

Climate change increasingly threatens the physical survival of cultural heritage sites throughout Indonesia, yet Law concerning Cultural Heritage remains silent on climate adaptation. This study examines the structural shortcomings of the statute and formulates directions for its reformulation through the incorporation of local wisdom. Employing doctrinal legal research, the study identifies three principal legal problems: the absence of norms governing climate adaptation and disaster mitigation, ambiguity in conservation standards, and disharmony between state law and the customary law of Indigenous communities. The analysis adopts both statute and conceptual approaches grounded in three theoretical frameworks. Legal pluralism explains the coexistence of state, customary, and religious legal orders within a single social field. Intergenerational justice imposes an obligation on the present generation to preserve cultural heritage for future generations. Adaptive governance requires regulatory arrangements capable of responding to ecological change. The findings reveal that the statute’s definitional, institutional, managerial, and penal provisions generate systemic vulnerability to hydrometeorological disasters while marginalizing Indigenous custodianship. In contrast, local wisdom provides proven adaptation mechanisms through organic material technology, sacred spatial zoning, vernacular architecture, hereditary custodianship, and customary sanctions. The study offers a novel contribution by proposing three reforms: introducing a climate adaptation chapter, recognizing customary conservation institutions, and reconstructing the sanction system so that the Cultural Heritage Law functions as responsive law. It converts the statutory silence on climate adaptation into a diagnosis of horizontal legal disharmony, and it treats local wisdom as the operational content of adaptation through legal syncretism rather than as cultural background.
Instructional Digital Leadership for Strengthening Technology-Responsive Digital Literacy and Ethical Learning Culture in Elementary Schools Isharyanto, Isharyanto; Andriani, Dwi Esti
Tekno - Pedagogi : Jurnal Teknologi Pendidikan Vol. 16 No. 3 (2026): Tekno-Pedagogi
Publisher : Program Magister Teknologi Pendidikan Universitas Jambi

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

Abstract

Digital transformation in elementary education requires instructional leadership that extends beyond technology adoption to foster technology-responsive teaching practices, digital literacy, and an ethical learning culture. This study investigates how instructional digital leadership enacted by a school principal strengthens technology-responsive digital literacy and ethical learning culture in an elementary school setting. Employing an instrumental qualitative case study design, the research was conducted at SDN Ponggok, Pacitan, Indonesia. Data were collected through semi-structured interviews, passive participant observations, and document analysis involving the principal, teachers, educational practitioners, and students. The data were analyzed using within-case thematic analysis supported by source triangulation to ensure the credibility of the findings. The study identified four interconnected dimensions of instructional digital leadership: visionary articulator, teacher capability builder, resource organizer, and culture shaper. These leadership practices were implemented through a year-long technology-supported extracurricular program emphasizing digital citizenship, ethical internet use, project-based digital literacy activities, and collaborative learning experiences. The findings indicate that instructional digital leadership creates a supportive pedagogical ecosystem in which teachers are empowered to integrate technology into meaningful learning experiences while students develop responsible digital behaviors and ethical awareness. Despite challenges related to limited technological infrastructure and sustainable external partnerships, strong leadership commitment and teacher collaboration facilitated the successful implementation of technology-enhanced learning initiatives. This study contributes to the field of educational technology by demonstrating that instructional digital leadership serves as a strategic mechanism for integrating technology with pedagogy, strengthening teacher capacity, and cultivating a sustainable digital learning culture in elementary schools.