Claim Missing Document
Check
Articles

Found 9 Documents
Search

Data Protection in Financial Technology Services (A Study in Indonesian Legal Perspective) Dian Purnama Anugerah; Masitoh Indriani
Sriwijaya Law Review VOLUME 2, ISSUE 1, JANUARY 2018
Publisher : Faculty of Law, Sriwijaya University, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28946/slrev.Vol2.Iss1.112.pp82-92

Abstract

The banking sector is facing a new competitor, namely Financial Technology (Fin-tech). Fin-tech itself can be described as an industry composed of companies using a new tech-nology and innovation with available resources in order to compete in the marketplace of tradi-tional financial institutions and intermediaries in the delivery of financial services. In Indonesia, Fin-tech has been widely developed since the past 3 years. Fin-tech faces a new challenge as a new service for financial consumer which adapts to new ways of living in modern digital tech-nology era. Basically, Fin-tech offers three main categories such as payment, personal finance, and financing. In financing application there are peer to peer financing, social crowd funding, and loan marketplace. All of these kinds of application have some issues in legal framework and data protection due to the use of communication technologies such as internet, social networks, Smartphone, massive use of data with the Big Data, connected objects, etc. The use of big data and those new technologies create new opportunities for these sectors, and this development also raises significant data protection concerns. This paper discusses two legal issues of Fin-tech, the legal aspect, and the data protection.
Kedudukan Yayasan yang Belum Disesuaikan dengan Undang-Undang Yayasan Setelah Jangka Waktu Berakhir Listya Aswaratika; Dian Purnama Anugerah
Notaire Vol. 1 No. 1 (2018): NOTAIRE
Publisher : Fakultas Hukum Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (340.648 KB) | DOI: 10.20473/ntr.v1i1.9099

Abstract

Undang-Undang Nomor 28 tahun 2004 tentang Perubahan Atas Undang-Undang Nomor 16 tahun 2001 tentang Yayasan mengatur mengenai penyesuaian anggaran dasar bagi yayasan yang telah lahir sebelum berlakunya Undang-Undang Yayasan. Penyesuaian dilakukan dalam jangka waktu yang telah diberikan oleh Undang-Undang Yayasan dengan tujuan agar yayasan tersebut tetap mendapatkan status badan hukum. Namun terhadap yayasan yang tidak melakukan penyesuaian anggaran dasar tersebut akan berdampak pada keabsahan perbuatan hukum yang dilakukan oleh yayasan dan kewenangan terhadap pertanggungjawaban atas perbuatan hukum yang dilakukan. Tujuan penelitian ini untuk menganalisa status hukum yayasan yang hingga jangka waktu berakhir belum melakukan penyesuaian Anggaran Dasar dengan Undang-Undang Yayasan, serta mengenai keabsahan tindakan hukum yang dilakukan yayasan apabila yayasan tersebut belum menyesuaikan dengan Undang-Undang Yayasan. Penelitian ini menggunakan tipe penelitian hukum dengan menggunakan pendekatan perundang-undangan dan pendekatan konseptual. Sumber bahan hukum dalam penelitian ini yaitu primer dan sekunder, serta menggunakan metode interpretasi dan metode deduktif analisis untuk menganalisa bahan hukum tersebut. Kemudian hasil dari penelitian ini ialah mengetahui keabsahan perbuatan hukum yang dilakukan yayasan jika yayasan hingga jangka waktu berakhir belum melakukan penyesuaian anggaran dasar yayasannya dengan Undang-Undang Yayasan dan kewenangan terhadap pertanggungjawaban atas perbuatan hukum yang dilakukan.
THE ROLE OF INSURANCE IN ANTICIPATING THE RISK OF DEFAULT IN PEER TO PEER (P2P) LENDING SCHEME Ida Ayu Rhadana Satvikarani; Mas Rahmah; Dian Purnama Anugerah
Airlangga Journal of Innovation Management Vol. 2 No. 2 (2021): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v2i2.27332

Abstract

The presence of fintech in Indonesia is said as an answer of people needs about the ease on transaction and financing in business activity. According to Article 3 of POJK No.77 of 2016 concerning Information Technology-Based Money Lending Services, it is explained that Information Technology-based Money Lending Service is the implementation of financial services to bring lenders together with borrowers in order to make loan agreements in rupiah currency directly through electronic systems using internet networks commonly referred to as Peer to Peer (P2P) Lending. Commonly when the default in P2P Lending exist, the role of insurance is to mitigate the risk in order to support lender protection. This study reviewed the risk of default in P2P lending schemes, within discussion of insurance role in doing mitigation of default risk in P2P lending. This legal research uses normative juridical research method with statute approach and conceptual approach. The study result explain that P2P Lending is a form of investment, in which every investment must have a risk, and this risk is directly proportional to the high risk high return. Default or often referred to as non-performing loan (NPL) is a situation where borrowers are late to return principal of the loan more than 90 days from maturity time, therefore risk mitigation is important. The purpose of insurance scheme in P2P Lending fintech services is an effort to overcome losses suffered by lenders.
IMPLEMENTASI PRINSIP TRANSPARANSI MELALUI PERATURAN PRESIDEN NO. 26 TAHUN 2010 PADA INDUSTRI EKSTRAKTIF Dian Purnama Anugerah; Yuniarti Yuniarti
Yuridika Vol. 25 No. 1 (2010): Volume 25 Nomor 1 Januari 2010
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (429.785 KB) | DOI: 10.20473/ydk.v25i1.184

Abstract

Ekstraktive Industry is a major industry that support Indonesia’s national income. The monitoring system of ekstraktive industry should be based on good corporate governance and transparency principle. This is due to the regulation of mining law and the Investment Law in Indonesia. This Principle encourage Indonesia to be one of EITI members, through its participation in this organization, ekstraktive Industry in Indonesia were expected to maintain Indonesian welfare, as says in the constitution.
Implementation of the best Interests of the Child Principles in Intercountry Adoption in Indonesia Leonora Bakarbessy; Dian Purnama Anugerah
Yuridika Vol. 33 No. 1 (2018): Volume 33 No 1 January 2018
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (293.552 KB) | DOI: 10.20473/ydk.v33i1.7202

Abstract

Adoption of Indonesian children by foreigner is a form of intercountry adoption. In Indonesia such adoption is not prohibited but conditions are more difficult because it is a last effort or ultimum remedium for the best interests of the child. Therefore petition for intercountry adoption throught the court, its decision in the form of a court decision, because the proof as the same as the evidence in civil suit.This is defferent from the petition of national adoption.This paper discusses the implementation of the best interest of child’s principle in Indonesia and how to conduct intercountry adoption in Indonesia in order to avoid any attempts of illegal adoption. This paper concludes that the Indonesian Government has issued a number of laws and regulations govern the intercountry adoption. These laws require implying the principle of the best interest of children in order to protect the interest of children who is adopted by foreigner. In order to undertake the adoption, the court should decide that it is eligible after the Ministry of Social of the Republic of Indonesia approves adoption application.
Penerapan Prinsip Vicarious Liability dalam Pertanggungjawaban Perseroan Terbatas Lana Aulia Afiftania; Dian Purnama Anugerah
Notaire Vol. 5 No. 3 (2022): NOTAIRE
Publisher : Fakultas Hukum Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ntr.v5i3.40084

Abstract

AbstractA limited liability company is a legal subject capable of being responsible for the risks in carrying out its business. The principle of vicarious liability is the basis of a person’s responsibility for acts against the law of others. One of these principles is applied in the employer’s responsibility to his subordinates. This research is a legal research that uses a statutory approach, a conceptual approach, and a case approach. This study aims to analyze the legal relationship between a limited liability company and an employee related to the principle of vicarious liability and the liability of a limited liability company in the consideration of the panel of judges. The results of this study indicate that a limited liability company is able to act as an employer and hiring employees. According to the principle of vicarious liability, the company will be responsible if an employee causes a loss during the performance of their duties. The panel of judges recognizes the principle of vicarious liability as the basis for corporate liability. There is a lot of diversity in the implementation of these principles. However, the important elements of the principle of vicarious liability are still reflected in the considerations of the panel of judges.Keywords: Liability; Limited Company; Vicarious Liability Principle. AbstrakPerseroan terbatas merupakan subjek hukum yang mampu bertanggung jawab atas risiko dalam pelaksanaan usahanya. Prinsip vicarious liability merupakan dasar pertanggungjawaban seseorang atas perbuatan melawan hukum orang lain. Salah satu prinsip tersebut diterapkan dalam pertanggungjawaban majikan terhadap bawahannya. Penelitian ini merupakan penelitian hukum yang menggunakan pendekatan perundang-undangan (statute approach), pendekatan konseptual (conceptual approach), dan pendekatan kasus (case approach). Penelitian ini bertujuan untuk menganalisis hubungan hukum perseroan terbatas dan karyawan terkait prinsip vicarious liability serta pertanggungjawaban perseroan terbatas dalam pertimbangan majelis hakim. Hasil penelitian ini menyatakan bahwa perseroan terbatas mampu berkedudukan sebagai majikan dan mempekerjakan karyawan. Menurut prinsip vicarious liability, perseroan akan bertanggung jawab bilamana karyawan menimbulkan kerugian selama pelaksanaan tugasnya. Majelis hakim mengakui prinsip vicarious liability sebagai dasar pertanggungjawaban perseroan. Timbul banyak keberagaman dalam implementasi prinsip tersebut. Akan tetapi, unsur-unsur penting prinsip vicarious liability tetap tercermin dalam pertimbangan-pertimbangan majelis hakim.Kata Kunci: Pertanggungjawaban; Perseroan Terbatas; Prinsip Vicarious Liability.
Legality of Marine Cargo Insurance Claim With Different Sailing Date on Policy (Analysis of Decisions Number 589/PDT.G/2012/PN.JKT.SEL) Krisna Angela; Dian Purnama Anugerah
Yuridika Vol. 38 No. 3 (2023): Volume 38 No 3 September 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ydk.v38i3.47966

Abstract

Sailing dates in marine cargo insurance often change for various reasons. It is unavoidable that from the time the ship sail on a date that is not under the policy, uncertain events occur, which cause losses. On the other hand, insurance recognizes the principle of utmost good faith, which obliges the insured to disclose material facts about the insured object correctly, completely, and honestly as regulated in Article 251 WvK. It creates a blurring of norms because that rule make the parties debating whether the ship's sailing date is a material fact or not. This research uses normative legal research methods with a statute approach, conceptual approach, and case approach. This research purposed to analyze changes in sailing date as material facts and the consequences of not disclosing these changes by the insured to the insurer and the insurer to the reinsurer by analyzing Decision Number 589/Pdt.G/2012/PN.Jkt.Sel. The results of this study indicate that the change in sailing date is a material fact that must be disclosed by the insured to the insurer. When the insured does not disclose material facts, it can make a contract voidable and the insurer can be free from the obligation to pay claims. In addition, the Judge's decision in Decision Number 589/Pdt.G/2012/PN.Jkt.Sel was wrong because the Judge did not analyze the meaning and concept of material facts in marine cargo insurance as regulated in Article 251 WvK and did not consider the provisions in the policy referring to the Marine Insurance Act 1906.
Pemegang Saham Yang Meninggal Dunia Pada Perseroan Terbatas Rokfa, Afida Ainur; Sumedi, Mohammad; Anugerah, Dian Purnama
Widya Yuridika Vol 7, No 2 (2024): Widya Yuridika: Jurnal Hukum
Publisher : Universitas Widya Gama Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/wy.v7i2.4988

Abstract

The research was conducted because there was a legal vacuum regarding the transfer of rights to shares in PT Individuals as a result of the shareholder's death by using normative juridical research methods with statutory, conceptual and comparative approaches. The result is that PT Perorangan shares are inherited objects. PT Perorangan shareholders must be individuals, 17 years old, and legally competent. The transfer of shares of PT Perorangan resulted in changes to the company's status and data. The status of PT Perorangan remains as PT Perorangan because the object of inheritance is still joint property whose management is represented by one person, the object of inheritance falls to the heirs who are not yet competent at law, and the heirs refuse to have children. PT Perorangan changed to PT Persekutuan Modal because the heirs are more than one person and the object of inheritance has been divided. The status of PT Perorangan was lost after obtaining the determination and the liquidation report was received by the PN due to the heirs who refused to have no offspring and the object of inheritance became an unclaimed property.
Pelabelan pada Produk Minuman Herbal Tradisional sebagai Upaya Pengembangan UMKM di Desa Balongbendo, Kecamatan Balongbendo, Kabupaten Sidoarjo Anugerah, Dian Purnama; Setyawati, Ria; Kristianti, Dwi Rahayu; Cakar, Feyza Nur
Inovasi Jurnal Pengabdian Masyarakat Vol 2 No 2 (2024): IJPM - Agustus 2024
Publisher : CV Firmos

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54082/ijpm.508

Abstract

Eksistensi Usaha Mikro, Kecil, dan Menengah (UMKM) terutama dalam sektor produk pangan, khususnya minuman herbal tradisional sebagai penggerak perekonomian di desa-desa atau wilayah tertentu telah dipahami oleh banyak orang. Namun, sayangnya, masih banyak pelaku usaha UMKM yang tidak menyadari pentingnya pelabelan pada produk mereka yang terkait erat dengan Hukum Perlindungan Konsumen. Padahal, selain membatasi area pemasaran produk, produk tanpa pelabelan dapat menimbulkan masalah hukum perlindungan konsumen dan menghadapkan UMKM pada sanksi sesuai dengan UU Perlindungan Konsumen. Contohnya dapat ditemukan pada produk minuman herbal tradisional di Desa Balongbendo, Kecamatan Balongbendo, Kabupaten Sidoarjo, Jawa Timur. Produk minuman herbal tradisional di Desa Balongbendo tidak mencantumkan pelabelan yang tepat karena kurangnya pemahaman tentang pelabelan sesuai dengan ketentuan hukum yang berlaku. Tentu saja, hal ini mempersempit kesempatan pengembangan UMKM tersebut. Kegiatan pengabdian kepada masyarakat ini mengkaji pentingnya pelabelan yang sesuai dengan peraturan perundang-undangan dalam pengembangan produk minuman herbal tradisional dengan menggunakan metode penelitian hukum dan pendekatan perundang-undangan.