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All Journal Jurnal Daulat Hukum Jurnal Hukum Lex Generalis Fundamental : Jurnal Ilmiah Hukum TAJDID: Jurnal Pemikiran Keislaman dan Kemanusiaan GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Jurnal Pengabdian Masyarakat Bestari (JPMB) Jurnal As-Syar’i: Jurnal Bimbingan & Konseling Keluarga
Iksan Iksan
Universitas Muhammadiyah Bima
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Penegakan Hukum Terhadap Ujaran Kebencian Berbasis Suku di Media Sosial: Studi Empiris Di Kecematan Donggo Alias Rangga; Iksan Iksan; Yuddin Chandra Nan Arif
As-Syar i: Jurnal Bimbingan & Konseling Keluarga  Vol. 8 No. 3 (2026): As-Syar’i: Jurnal Bimbingan & Konseling Keluarga
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/as.v8i3.13128

Abstract

This study examines the enforcement of laws against ethnic-based hate speech occurring on social media in Donggo Subdistrict, Bima Regency. The main focus of this study is on how the law enforcement process is carried out and the various obstacles faced by authorities in addressing hateful content that attacks the identity of the “Dou Donggo” community. This study employs an empirical legal method using a sociological-juridical approach and qualitative analysis. Data were collected through in-depth interviews with law enforcement officials, local government representatives, community leaders, and social media users, supplemented by observations and documentation. The research findings indicate that the handling of ethnic-based hate speech is carried out through two mechanisms: the formal legal channel, which refers to the provisions of the ITE Law and Constitutional Court rulings; and the social channel, through amicable resolution involving traditional leaders. However, the effectiveness of law enforcement remains hampered by weak electronic evidence, low public legal awareness, and the strong preference for amicable settlements, which have the potential to sideline formal legal processes. Therefore, there is a need to improve digital literacy, strengthen cyber forensic capabilities, and harmonize customary mechanisms with criminal law.
TINJAUAN HUKUM BAGI NASABAH DALAM PERJANJIAN PEMBIAYAAN MIKRO ANTARA BANK AMARTHA DAN NASABAH DI KABUPATEN BIMA Atri Liani; Iksan Iksan; Kasmar Kasmar
GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Vol. 13 No. 7 (2026): 2026 Juli
Publisher : Lembaga Kajian Ilmu Sosial dan Politik (LKISPOL)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56015/gjikplp.v13i7.1120

Abstract

Perjanjian pembiayaan mikro di sektor perbankan Indonesia telah berkembang pesat sebagai instrumen inklusi keuangan, namun perlindungan hukum yang diberikan kepada nasabah, khususnya di daerah pinggiran, masih kurang dikaji dalam literatur ilmiah. Studi ini melakukan analisis hukum normatif-empiris yang komprehensif terhadap perjanjian pembiayaan mikro antara Bank Amartha dan nasabahnya di Kabupaten Bima, Provinsi Nusa Tenggara Barat, Indonesia, dengan meneliti sejauh mana kerangka peraturan yang ada cukup melindungi hak dan kepentingan hukum nasabah. Dengan menggunakan metodologi campuran doktrinal dan berbasis lapangan, penelitian ini mengkaji substansi hukum kontrak pembiayaan, penegakan prinsip-prinsip perlindungan konsumen berdasarkan Undang-Undang Pengembangan dan Penguatan Sektor Keuangan No. 8 Tahun 1999 dan Undang-Undang Pengembangan dan Penguatan Sektor Keuangan No. 4 Tahun 2023, peran instrumen peraturan Otoritas Jasa Keuangan (OJK), dan dinamika sosial-hukum yang membentuk asimetri kekuatan kontraktual antara pemberi pinjaman institusional dan peminjam pedesaan berpenghasilan rendah. Temuan menunjukkan bahwa meskipun perjanjian pembiayaan Bank Amartha secara nominal mematuhi persyaratan hukum formal, perlindungan hukum substantif bagi nasabah terhambat oleh asimetri informasi, struktur kontrak adhesi, mekanisme penyelesaian sengketa yang tidak memadai, dan literasi keuangan yang terbatas di kalangan peminjam di Kabupaten Bima. Studi ini lebih lanjut mengidentifikasi bahwa penegakan pengawasan OJK di wilayah tersebut menunjukkan celah yang menciptakan titik buta regulasi yang merugikan kepentingan nasabah. Penelitian ini memberikan kontribusi baru pada bidang ini dengan melakukan triangulasi analisis doktrin hukum, penilaian kesenjangan regulasi, dan data pengalaman nasabah empiris dalam konteks mikrofinansial spesifik di Indonesia Timur yang belum pernah dibahas dalam literatur akademis. Studi ini diakhiri dengan rekomendasi kebijakan yang dapat ditindaklanjuti yang ditujukan kepada regulator, lembaga keuangan, dan badan legislatif untuk memperkuat arsitektur hukum yang mengatur perlindungan nasabah mikrofinansial di Indonesia.
Perlindungan Hukum bagi Nasabah atas Praktek Penagihan Angsuran Kredit Tanpa Pencatatan Petugas Bank: Studi pada Bank Mekar Bima Raodatul Jannah; Iksan Iksan; Kasmar Kasmar
Jurnal Hukum Lex Generalis Vol 7 No 4 (2026): Tema Hukum Perdata dan Kenotariatan
Publisher : Himpunan Ilmu Hukum dan Ilmu Hukum Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56370/jhlg.v7i4.3937

Abstract

This study examines legal protection for customers regarding the practice of credit installment collection without recording by Bank Mekar Bima officers. Collection practices that are not accompanied by official recording can cause losses for customers, such as the occurrence of credit installment arrears. This study aims to determine and analyze the mechanism of credit installment collection carried out by bank officers according to applicable legal provisions, as well as examine the form of legal protection for customers regarding the practice of credit installment collection without recording by Bank Mekar Bima officers. The results of the study indicate that there are indications of collection practices that are not accompanied by official recording evidence, resulting in complaints from customers regarding their payment status. Because proof of payment that should be the basis for legal accountability is not legally documented.
Co-Authors Absori Absori Ade Ermin Adnan Ahmaddin Ahmaddin Alias Rangga Aman Ma’arij Arief Budiono Atri Liani Christian Christian Dewi Kusuma Diarti Kasmar Khairunnisa Khairunnisa Moh. Indra Bangsawan Muhamad Amin Munir Nasrullah Natangsa Surbakti Neti Haryani Nurjeda Komalasari Raodatul Jannah Ridwan Syamsuddin Yuddin Chandra Nan Arif