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Tinjauan Yuridis Perlindungan Hukum Nasabah Perbankan Berdasarkan Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan Tengku Andrias Prayudha; Maryati Bachtiar; Dasrol '
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 2, No 2 (2015): Wisuda Oktober 2015
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Abstract

Banking is a financial institution that can never be separated from the problem or dispute either the bank's internal disputes and disputes between banks and customers. Along with the times timbulah reforms to the legal system, one of which is the renewal of the legal systems of banking, namely the birth of a banking institutions like the Financial Services Authority and the Deposit Insurance Agency. Shift functions of banking regulation and supervision of Bank Indonesia to the Financial Services Authority has special meaning in particular the Financial Services Authority as the receiver of the mandate in providing legal protection of customers. Previous customer protection carried out by the Institute of Consumer Dispute Resolution (BPSK) that receives customer complaints and dispute settlement. The method of this thesis is a normative juridical approach (normative legal research), specification of research is a descriptive study where the research is to discuss the principles of law. This research was conducted by examining library materials or secondary data such as legislation, books and a variety of other sources. Based on research conducted it can be concluded that Law No. 21 Year 2011 on the Financial Services Authority regulates the protection of customers which consists of a couple of aspects based on results of the review authors, namely the prevention of the loss of customers by improving customer knowledge by publishing financial literature, service customer complaints by providing facilitation customer complaints and resolve disputes between customers and banks and legal defense for customers to file a civil suit in court by the Financial Services Authority. Legal protection is an effort that shows that the law is able to provide justice for the interests of the parties. Justice is what is perceived and believed by those who receive treatment. Legal protection settings banking customers in Law Number 21 Year 2011 on the Financial Services Authority has complied fairness of some aspects of the Agreement the Bank Baku, Conditions and Mechanism of Customer Complaints Service, terms and Dispute Resolution Mechanism Through Alternative Dispute Resolution Institute (laps).Keywords: Bank, Deposit Insurance Agency, Law Number 21 Year 2011 on the Financial Services Authority.
Legal Protection Of Savings And Loan Cooperatives Against Cooperative Members Committing Default Rochman, Auliya; Naridha, Alifah Nur Fitriana; Banjarnahor, David; Prayudha, Tengku Andrias; Ikhsan, Sy. Muhammad
JURNAL HUKUM SEHASEN Vol 11 No 1 (2025): April
Publisher : Fakultas Hukum Dehasen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jhs.v11i1.8203

Abstract

This study explores Savings and Loan Cooperatives' legal protection in dealing with cooperative member defaults and the legal basis for resolving default issues between cooperatives and their members in compliance with existing law. The research method utilised to analyse these issues is normative legal research utilising statutory and conceptual approaches. Our legal material collection method is a literature study. Analysis of legal materials is deductive. A main premise is needed for deductive reasoning. Next, a small premise. Two premises lead to a conclusion. As a result of the research, the Savings and Loan Cooperative cannot be separated from a binding agreement between the Savings and Loan Cooperative and its members in providing credit.where the preparation of the agreement must be clear and firm including the rights and obligations of both parties in detail, including the terms of loan repayment in the content of the clause of the agreement This is very important to prevent default and protect the interests of the Savings and Loan Cooperative and its members. Where as a basis, Article 1320 of the Civil Code and Article 1338 paragraph 1 of the Civil Code are further explained in 1321 of the Civil Code and Article 1243 of the Civil Code, where basically the Savings and Loan Cooperative uses anticipatory measures to ensure that the agreement between the Savings and Loan Cooperative and its members is made legally and without elements of legal defect in order to minimize the occurrence of default. For repressive measures of the Savings and Loan Cooperative (KSP) in Dealing with Cases of Default of Its Members, it can be explained in Articles 1239 of the Civil Code and 1243 of the Civil Code, which are further explained in Articles 1244, 1246 and 1247 of the Civil Code, the settlement of default disputes between Savings and Loan Cooperatives and their members is regulated in Articles 1234, Article 1313, Article 1238, Article 1236 and Article 1266 of the Civil Code which explain that in essence Savings and Loan Cooperatives have certainty law in.
Preventive Legal Education and Digital Literacy on the Dangers of Online Gambling for Students of Kapuas Pontianak Private High School Rangga, Boy; Rupita, Rupita; Arif, Ibnu; Mandala, Yoga; Zulkarnain, Zulkarnain; Ningrum Palureng, Rurika Widya; Safriadi, Safriadi; Ira, Nurmaya Putri; Ikhsan, Syarif Muhammad; Catherine, Liany Ayu; Rochman, Auliya; Teresa, Roma; Mukti, Plasma Versiana; Banjarnahor, David; Parapat, Henry Anderson; Prayudha, Tengku Andrias
International Journal of Public Devotion Vol 8, No 1 (2025): January - July 2025
Publisher : STKIP Singkawang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26737/ijpd.v8i1.7385

Abstract

The problem of teenagers' involvement in online gambling practices is a crucial issue that requires educative and preventive handling. This fact has caused concern among teachers and principals of private high schools in Kapuas Pontianak. Private SMAs in Pontianak City have never received education on online gambling practices so they need it as an effort to prevent their students from participating in online gambling practices. This Community Service activity aims to provide preventive legal education and digital literacy to students of SMA Swasta Kapuas Pontianak City as an initial step to prevent online gambling practices. The methods used included interactive lectures and dissemination of educational materials. The evaluation of the activity was attended by 35 participants by providing descriptive impressions and messages and the results of the evaluation indicated an increased awareness of the risks and legal impacts of online gambling. This finding proves that an integrative approach between legal aspects and digital literacy is effective in building students' understanding and critical attitude towards digital threats. This activity is important as an educational intervention model that can be replicated in other schools, as well as developed in the form of a long-term school-based education programme on the dangers of online gambling practices.Edukasi Hukum Preventif dan Literasi Digital Tentang Bahaya Judi Online Bagi Siswa SMA Swasta Kapuas PontianakABSTRAKPermasalahan maraknya keterlibatan remaja dalam praktik judi online menjadi isu krusial yang memerlukan penanganan edukatif dan preventif. Fakta yang terjadi ini membuat kekhawatiran para guru dan kepala sekolah SMA Swasta Kapuas Pontianak. SMA Swasta Kota Pontianak belum pernah mendapatkan edukasi terhadap praktek judi online sehingga mereka memerlukan hal tersebut sebagai upaya untuk mencegah siswa dan siswi mereka ikut dalam praktek judi online. Kegiatan Pengabdian kepada Masyarakat ini bertujuan untuk memberikan edukasi hukum preventif dan literasi digital kepada siswa SMA Swasta Kapuas Kota Pontianak sebagai langkah awal pencegahan terhadap praktik judi online. Metode yang digunakan meliputi ceramah interaktif serta penyebaran materi edukatif. Evaluasi egiatan diikuti oleh 35 peserta dengan meberikan kesan dan pesan secara deskriptif dan hasil dari evaluasi tersebutpeserta mengindikasikan peningkatan kesadaran terhadap risiko dan dampak hukum dari judi online. Temuan ini membuktikan bahwa pendekatan integratif antara aspek hukum dan literasi digital efektif dalam membangun pemahaman dan sikap kritis siswa terhadap ancaman digital. Kegiatan ini penting sebagai model intervensi edukatif yang dapat direplikasi di sekolah lain, serta dikembangkan dalam bentuk program edukasi jangka panjang berbasis sekolah tentang bahaya praktek judi online.Kata Kunci :Judi online; Edukasi hukum; Literasi digital 
Perbandingan Hukum Pembiayaan Modal Ventura dan Pembiayaan Al-Musyarakah Kepada Perusahaan Pasangan Usaha Terkait Pemberian Keuntungan Modal Naridha, Alifah Nur Fitriana; Rochman, Auliya; Ikhsan, Sy. Muhammad; Prayudha, Tengku Andrias; Banjarnahor, David
Locus Journal of Academic Literature Review Vol 4 No 7 (2025): October
Publisher : LOCUS MEDIA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56128/ljoalr.v4i7.606

Abstract

Penelitian ini menganalisis perbandingan hukum antara pembiayaan modal ventura dan pembiayaan al-musyarakah terhadap perusahaan pasangan usaha dalam kaitannya dengan pembagian keuntungan modal. Tujuan penelitian ini adalah untuk memahami kesamaan dan perbedaan aspek hukum kedua bentuk pembiayaan tersebut. Penelitian ini menggunakan metode hukum normatif dengan pendekatan perundang-undangan (statute approach) dan pendekatan konseptual (conceptual approach), metode penelitian, termasuk tinjauan pustaka dan analisis induktif, untuk mengumpulkan data. Temuan penelitian menunjukkan bahwa pembiayaan modal ventura melibatkan investasi di perusahaan dengan tujuan pembagian keuntungan sesuai dengan formula yang disepakati, sedangkan pembiayaan al-musyarakah dicirikan oleh kerja sama antara nasabah dan lembaga keuangan Islam untuk membagi keuntungan dan membagi risiko.. Kedua bentuk pembiayaan ini sama-sama memiliki karakteristik risiko tinggi karena menempatkan penyertaan modal sebagai dasar pembagian keuntungan dan kerugian. Temuan ini menegaskan pentingnya kejelasan klausul perjanjian untuk menjaga keseimbangan hak dan kewajiban para pihak serta meminimalkan potensi kerugian. Katakunci :Keuntungan Modal, Pembiayaan Modal Ventura,Pembiayaan Musyarakah.
Peningkatan Kesadaran Hukum Terkait Pentingnya Pendaftaran Merek bagi Pelaku Usaha Air Minum Isi Ulang di Kelurahan Sungai Raya Dalam Kabupaten Kubu Raya Ismawartati, Ismawartati; Prayudha, Tengku Andrias; Sari, Devina Puspita; Awaka, M. Qahar
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 4 (2025): Edisi Oktober - Desember
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v6i4.7254

Abstract

Kegiatan Pengabdian kepada Masyarakat (PKM) ini bertujuan untuk meningkatkan kesadaran hukum pelaku usaha depot air minum isi ulang di Kabupaten Kubu Raya mengenai pentingnya pendaftaran merek sebagai instrumen perlindungan hukum dan peningkatan daya saing usaha. Latar belakang kegiatan ini adalah rendahnya pemahaman pelaku usaha terkait fungsi hukum merek, persepsi biaya pendaftaran yang mahal, serta keterbatasan akses terhadap pendampingan teknis. Metode yang digunakan meliputi survei lapangan untuk pemetaan usaha, ceramah hukum mengenai ketentuan Undang-Undang Nomor 20 Tahun 2016 tentang Merek dan Indikasi Geografis, dialog interaktif, simulasi pendaftaran merek secara daring melalui sistem DJKI, yaitu https://merek.dgip.go.id, serta kunjungan langsung ke lokasi usaha. Hasil kegiatan menunjukkan bahwa mayoritas peserta belum memahami pentingnya pendaftaran merek, namun setelah mengikuti kegiatan, peserta menunjukkan peningkatan pemahaman dan antusiasme, bahkan sebagian langsung meminta pendampingan teknis pendaftaran. Kegiatan ini menghasilkan luaran berupa peningkatan literasi hukum, pemahaman peserta dalam membuat akun dan pendaftaran merek, serta terjalinnya hubungan kemitraan antara akademisi dan pelaku usaha. Dengan demikian, kegiatan PKM ini berkontribusi pada upaya membangun ekosistem Usaha Mikro, Kecil dan Menengah (UMKM) yang sadar hukum, berorientasi pada perlindungan merek, dan berdaya saing di pasar yang kompetitif.
The regulator’s dilemma in proving algorithmic cartels against the principle of fair competition in the digital economy era Prayudha, Tengku Andrias; Banjarnahor, David; Rochman, Auliya; Ikhsan, Sy. Muhammad; Naridha, Alifah Nur Fitriana
Priviet Social Sciences Journal Vol. 5 No. 12 (2025): December 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v5i12.1064

Abstract

The rapid development of the digital economy, marked by the adoption of pricing algorithms, has introduced new dynamics to Indonesia's competition law landscape. Algorithmic systems enable autonomous price setting based on market data learning without direct human intervention. This condition potentially gives rise to algorithmic cartels, a form of market coordination occurring without explicit agreement, yet producing anti-competitive effects similar to conventional cartels. The national legal framework, specifically Law No. 5 of 1999 and KPPU Regulation No. 4 of 2010, remains inadequate to address this phenomenon, as it is still anchored to a traditional paradigm requiring the element of “agreement” as a prerequisite for proving violation. This study aims to analyze the dilemma faced by the regulator (KPPU) in proving the existence of algorithmic cartels against the principle of fair competition in the digital era. Employing a normative juridical approach, this study examines relevant legislation, academic literature, and international policies from the OECD and European Commission. The findings indicate a regulatory gap in Indonesia's competition law regarding proof involving autonomous systems. Furthermore, the KPPU faces conceptual and technical obstacles in determining legal intent (legal intent) and the validity of digital evidence derived from algorithmic systems. The study concludes that proving algorithmic cartels must shift from an intent-based approach to an effects-based approach, which focuses on assessing the economic impact on market structure and consumer welfare. Therefore, strategic recommendations include reinterpreting the element of “agreement” in Article 1, paragraph 7, and Article 11 of Law No. 5 of 1999 to encompass algorithmic coordination that generates anti-competitive effects. Additionally, the KPPU is mandated to develop digital evidence guidelines and strengthen the multidisciplinary institutional capacity to effectively oversee algorithmic behavior. These steps are crucial for Indonesian competition law to adapt to the realities of the digital economy while ensuring justice and legal certainty.