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All Journal JURNAL MAGISTER HUKUM UDAYANA FIAT JUSTISIA: Jurnal Ilmu Hukum Jurnal Media Hukum Mimbar Keadilan Jurnal IUS (Kajian Hukum dan Keadilan) PADJADJARAN Jurnal Ilmu Hukum (Journal of Law) Sriwijaya Law Review Syntax Literate: Jurnal Ilmiah Indonesia Widya Yuridika International Journal of Supply Chain Management Jurnal Sains Sosio Humaniora Jurnal Ilmiah Penegakan Hukum Jurnal Hukum Positum JURNAL HUKUM dan KENOTARIATAN Dialogia Iuridica ACTA DIURNAL : Jurnal Ilmu Hukum Kenotariatan ADIL : Jurnal Hukum Hermeneutika : Jurnal Ilmu Hukum Khazanah Hukum Ius Civile: Refleksi Penegakan Hukum dan Keadilan Jurnal Surya Kencana Dua: Dinamika Masalah Hukum & Keadilan Jurnal Esensi Hukum Jurnal Poros Hukum Padjadjaran Legal Protection for the Partnership Agreement Parties Jurnal Hukum dan Peradilan Damhil Law Journal Birokrasi: Jurnal Ilmu Hukum dan Tata Negara Hakim: Jurnal Ilmu Hukum dan Sosial Aladalah: Jurnal Politik, Sosial, Hukum dan Humaniora Transnational Business Law Journal Jembatan Hukum: Kajian Ilmu Hukum, Sosial dan Administrasi Negara SASI Jurnal Legislasi Indonesia ULJLS BANI Arbitration and Law Journal
Tarsisius Murwadji
Universitas Padjadjaran
Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Transportation Other

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Implementasi Green Management Marketplace Terhadap Usaha Mikro Dan Kecil (Umk) Digital Dalam Meningkatkan Kualitas Lingkungan Hidup Dewi Ari Shia Wase Meliala; Tarsisius Murwadji; Dadang Epi Sukarsa
Jurnal Surya Kencana Dua : Dinamika Masalah Hukum dan Keadilan Vol. 10 No. 1 (2023): Jurnal Surya Kencana Dua: Dinamika Masalah Hukum & Keadilan
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/SKD.v10i1.y2023.32267

Abstract

Eksistensi marketplace dewasa ini diakui telah berhasil membantu pelaku Usaha Mikro dan Kecil (UMK) dalam memperluas jejaring bisnis, mendukung keberlangsungan usaha mereka terutama selama masa pandemi Covid-19, serta sekaligus membantu transformasi mereka menjadi UMK digital. Namun di sisi lain, aktivitas belanja daring nyatanya memiliki konsekuensi yang cukup membahayakan bagi lingkungan hidup yang bersumber dari limbah kemasan plastik sebagai dampak dari kegiatan belanja daring. Isu penanganan limbah plastik dari kegiatan belanja daring ini nyatanya masih menemukan banyak celah hukum, baik dari segi efektivitas substansi pengaturan yang ada, hingga implementasi dari peraturan itu sendiri. Penelitian ini akan dikaji dengan menggunakan spesifikasi deskriptif analitis yang akan dilakukan dengan menjabarkan peraturan perundang-undangan terkait, untuk kemudian dikaji bersama dengan teori hukum serta praktik hukum positif yang terjadi. Hasil dari penelitian menunjukkan bahwa bentuk pengaturan dan praktik pelaksanaan tanggung jawab terhadap lingkungan oleh Usaha Mikro dan Kecil (UMK) Digital di marketplace masih cenderung belum sejalan dan berlaku secara efektif. Sama halnya dengan kedudukan marketplace dalam menerapkan kebijakan Green Management kepada Usaha Mikro dan Kecil (UMK) digital yang masih abu-abu, di mana marketplace belum begitu memahami peran dan fungsi penting dari dirinya terhadap kesuksesan dari penerapan konsep manajemen hijau kepada para UMK digital, seperti konsep pertanggungjawaban mutlak (strict liability), dan lainnya. Oleh karena itu, diperlukan adanya aktualisasi nyata dari konsep green management melalui eksistensi regulasi yang memuat berbagai kebijakan untuk memperkuat kedudukan marketplace dalam menginternalisasi konsep manajemen hijau kepada UMK digital
JAMINAN PERFORMA SEBAGAI SOLUSI PERMASALAHAN PERMODALAN UMKM DI MARKETPLACE Dewi Parhusip; Tarsisius Murwadji; Etty Mulyati
Jurnal Hukum dan Kenotariatan Vol. 6 No. 1 (2022)
Publisher : Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/hukeno.v6i2.15240

Abstract

 Permasalahan permodalan merupakan salah satu permasalahan klasik yang dihadapi Usaha Mikro, Kecil, dan Menengah (UMKM). Bantuan permodalan seperti kredit perbankan cenderung sulit untuk diakses karena adanya persyaratan jaminan kebendaan untuk memenuhi aspek-aspek dasar penilaian bank. Marketplace telah menyediakan fasilitas pinjaman dengan syarat performa penjualan penjualan yang secara tidak langsung dapat menjadi jaminan (jaminan performa). Saat ini, belum diketahui lebih lanjut bagaimana perkembangan jaminan performa dalam sistem hukum jaminan, perkembangan pembiayaan dengan jaminan performa melalui fasilitas pinjaman marketplace, serta penerapannya dalam membantu permodalan UMKM di marketplace. Penelitian ini menggunakan metode yuridis normatif dengan analisis yuridis kualitatif untuk mencoba mengkaji dan menganalisis permasalahan yang diteliti. Jaminan performa merupakan salah satu cara untuk menilai kelayakan pemberian pembiayaan kepada UMKM sebagai calon debitur. Pelaksanaan jaminan performa berdasarkan peraturan yang ada belum komprehensif dan dibutuhkan peraturan lebih lanjut untuk mengatur penggunaan jaminan performa sampai ke lingkup usaha menengah. Penyelenggaraan pembiayaan melalui fasilitas pinjaman dengan jaminan performa telah diadakan melalui platform marketplace. Penerapan jaminan performa dapat mengatasi permasalahan permodalan UMKM di marketplace karena dalam hal ini kegiatan usaha yang memiliki kinerja sangat baik yang akan menjadi jaminan bagi pemberian fasilitas pinjaman.Kata-Kunci: Jaminan Performa, Marketplace, Performa Penjualan, Pinjaman, UMKM Capital problems are one of the classic problems faced by Micro, Small, and Medium Enterprises (MSMEs). Capital assistance such as banking credit tends to be difficult to access due to the material guarantee requirements to meet the basic aspects of bank valuation. Marketplace has provided loan facilities with the condition of sales performance that can indirectly be a guarantee (performance guarantee). Currently, it is not yet known further how the development of performance guarantees in the guarantee law system, the development of financing with performance guarantees through loan facilities, and its application in helping the capital of MSMEs in the marketplace. This research used normative juridical methods with qualitative juridical analysis to study and analyze the problems studied. Performance guarantee was one way to assess the feasibility of providing financing to MSMEs as prospective debtors. The implementation of performance guarantees based on existing regulations is not yet comprehensive and further regulations are needed to regulate the use of performance guarantees to the scope of medium-sized businesses. The implementation of financing through loan facilities with performance guarantees has been carried out through the marketplace platform. The application of performance guarantees can overcome MSME capital problems in the marketplace because in this case business activities that have very good performance will become collateral for the provision of loan facilities.Keywords: Performance Guarantee, Marketplace, Sales Performance, Loans, MSMEs
Perlindungan Hukum Terhadap Nasabah atas Kejahatan Phising dan Hacking pada Layanan Bank Digital Ditinjau Berdasarkan Hukum Positif Indonesia Salsabila Chairunnisa; Tarsisius Murwadji; Nun Harrieti
Hakim Vol 2 No 1 (2024): Februari : Jurnal Ilmu Hukum dan Sosial
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/hakim.v2i1.1535

Abstract

Phishing and hacking crimes are cybercrimes that often occur in banking. Therefore, the purpose of this research is to examine the responsibility of digital banks and legal protection for phishing and hacking crimes of customers in digital bank services. Researchers have concluded that the responsibility of digital banks for phishing and hacking crimes to customers in using digital banks service is reviewed based on Indonesia’s Positive Law. Digital banks are responsible in this case for confirming phishing and hacking crimes, making customer complaint handling services accessible to customers in 24 hours. Banks compensate for losses suffered by customers to always maintain the principle of customer trust in them. However, if the customer is unsatisfied with the internal settlement with the digital bank, then the customer is not followed up by the bank concerned. The customer’s legal protection for phishing and hacking crimes is reviewed based on Indonesian Positive Law. The government as a regulator provides legal protection to customers in order to achieve order and legal certainty.
Perlindungan Hukum Untuk Usaha Mikro Kecil (Umk) Digital Yang Bergerak Di Bidang Social Enterprise Vonny Rachel Caroline; Tarsisius Murwadji; Dadang Epi Sukarsa
Jurnal Surya Kencana Dua : Dinamika Masalah Hukum dan Keadilan Vol. 9 No. 1 (2022): Jurnal Surya Kencana Dua: Dinamika Masalah Hukum & Keadilan
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/SKD.v9i1.y2022.22502

Abstract

Perkembangan UMK saat ini ditandai dengan adanya UMK yang bergerak di social enterprise. Social enterprise merupakan ide bisnis yang beriorientasi terhadap dampak sosial dan keuntungan. Selama 10 tahun terakhir, orientasi bisnis UMK social enterprise mulai berkembang di Indonesia. UMK social enterprise berkembang karena adanya kesadaran pelaku usaha untuk menyelesaikan isu sosial dan ekonomi yang ada di lingkungan wirausaha dan dijadikan sebagai peluang bisnis yang membawa dampak positif dalam jangka panjang. Problematika timbul ketika masyarakat kurang familiar dengan social enterprise yang menyebabkan minat untuk memulai usaha social enterprise tidak maksimal dan minimnya pengetahuan masyarakat umum terhadap legalitas yang diperlukan dalam menjalankan UMK social enterprise yang dapat menimbulkan potensi permasalahan hukum dan bisnis di waktu mendatang. Social enterprise tidak diatur di dalam peraturan perundang-undangan walaupun sistem ekonomi Pancasila mempunyai nilai-nilai yang serupa dengan social enterprise yang menyebabkan masyarakat kesulitan mencari perlindungan hukum untuk social enterprise. Penelitian ini dilakukan dengan metode yuridis-normatif dengan menggunakan peraturan perundang-undangan dan teori hukum untuk menganalisis perlindungan hukum untuk UMK digital di bidang social enterprise. Hasil penelitian ini menunjukkan bahwa bentuk badan usaha social enterprise di Indonesia terdiri dari badan usaha berbadan hukum, yaitu PT, Yayasan, Koperasi, Perkumpulan Badan Hukum dan badan usaha non badan hukum, yaitu CV. Model UMK social enterprise di Indonesia, yaitu UMK social enterprise tunggal, yayasan dan grup usaha, dan startup. Perlindungan hukum terhadap UMK digital social enterprise diberikan melalui peraturan perundang-undangan mengenai badan usaha untuk UMK, pemotongan pajak bagi UMK, dan tindakan di lapangan yang dilakukan oleh instansi pemerintah melalui kementerian, dinas, dan BUMN
Akibat Hukum Pemberlakuan Multi Voting Shares Oleh Otoritas Jasa Keuangan Di Indonesia Marcelline Allegra; Tarsisius Murwadji; Nun Harrieti
ALADALAH: Jurnal Politik, Sosial, Hukum dan Humaniora Vol. 1 No. 2 (2023): Jurnal Politik, Sosial, Hukum dan Humaniora
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/aladalah.v1i2.200

Abstract

Otoritas Jasa Keuangan (OJK) melalui Peraturan Otoritas Jasa Keuangan 22/2021 memperbolehkan perusahaan tertentu untuk menerapkan Multi Voting Shares (MVS). Diterapkannya MVS mengakibatkan rasio antara hak suara dan kepemilikan saham yang tidak seimbang. Adapun tujuan yang hendak dicapai dalam penelitian ini adalah untuk menganalisis akibat hukum dari pemberlakuan Multi Voting Shares dihubungkan dengan penerapan Good Corporate Governance sebagaimana diamanatkan pada Undang-Undang No. 40 Tahun 2007 tentang Perseroan Terbatas. Penelitian ini menggunakan metode deskriptif analitis dan metode pendekatan yuridis normatif dengan mengkaji bahan hukum primer, sekunder, dan tersier. Berdasarkan penelitian ini diketahui bahwa MVS dapat meningkatkan potensi dilanggarnya berbagai prinsip GCG, yaitu prinsip Independensi, prinsip akuntabilitas, prinsip transparansi, dan prinsip kesetaraan dan kewajaran. Tidak hanya itu, MVS juga berpotensi meningkatkan terjadinya transaksi self-dealing yang dapat mengakibatkan ketidakpastian hukum bagi para pemegang saham minoritas.
Konsep Pentahelix Pada Pemberdayaan Usaha Mikro dan Kecil Elvetta, Shisca; Murwadji, Tarsisius; Mulyati, Etty
Widya Yuridika Vol 7, No 1 (2024): Widya Yuridika: Jurnal Hukum
Publisher : Universitas Widya Gama Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/wy.v7i1.4759

Abstract

Empowerment according to Article 1 Number 8 of the MSME Law, is defined as an effort by the central government, regional governments, the business world, and the community in a synergistic manner. However, the fact that the implementation of the empowerment of digital micro and small enterprises (MSEs) in the marketplace by these stakeholders has actually become an inhibiting factor for the success of the programs carried out. As a result, the empowerment of the implementation program has not provided optimal results for the development and growth of digital MSEs in the marketplace. This research is based on a normative juridical approach and then analyzed by qualitative juridical methods. The specification of this research is analytical descriptive in order to describe the relationships between relevant stakeholders in providing support for the digital MSE empowerment program in the marketplace which is reviewed based on regulations and implementation in practice. The results of this study found that, first, the implementation of digital MSE empowerment in the marketplace by the government, the business world, universities, and communities is still partial and sectoral, resulting in overlapping programs. Second, the application of the Pentahelix concept to efforts to empower digital MSEs in the marketplace can be done by establishing the Pentahelix Institution, which is an entity that forms cooperative relationships between five stakeholders, consisting of the government, the business world, academia, the public, and the media. Furthermore, the formation of these institutions needs to be set forth in the form of laws and regulations.
Penerapan Prinsip Kehati-Hatian Bank pada Hapus Buku dan Hapus Tagih Kredit Macet bagi Usaha Mikro dan Kecil Ditinjau dari Undang-Undang No. 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan Illona Novira Elthania; Tarsisius Murwadji; Etty Mulyati
Birokrasi: JURNAL ILMU HUKUM DAN TATA NEGARA Vol. 2 No. 4 (2024): Birokrasi: JURNAL ILMU HUKUM DAN TATA NEGARA
Publisher : Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/birokrasi.v2i4.1503

Abstract

. Regulation of Law no. 4 of 2023 concerning Development and Strengthening of the Financial Sector is used as a regulatory for banks in general in carrying out write-offs and write-offs, especially for MSE debtors. Seeing that post-Covid-19 conditions have made the business of MSE debtors even worse, banks have attempted to restructure credit affected by Covid-19 to reduce the bank's NPL ratio as a reference for the bank's health. However, when the reconstruction is not successful, the bank can carry out a conditional write-off and absolute write-off program as a solution to bad credit. In carrying out write-offs, the Bank writes off the total value of productive assets that cannot be collected from the balance sheet and recorded in the administrative account/off balance sheet. The act of write-off does not eliminate the bank's right to collect from its debtors, but the bank will continue to try to collect from its debtors until the credit the bank has provided can be paid in full. The aim of this research is to complete the settlement of bad debts through conditional write-offs and absolute write-off for the PPSK Law. This type of research uses normative juridical research. The types of data used in this research are primary legal materials, secondary legal materials and tertiary legal materials. Data collection techniques using literature studies and field studies. The results of this research are that there are no provisions that regulate in detail the procedures for writing off and writing off bad debts for banks. This is addressed through each bank's internal policy which regulates procedures for write-offs and write-offs for MSE debtors.
Problematika Pengungkapan Rahasia Bank Antara Kepentingan Negara Dan Perlindungan Kepada Nasabah Fahrurrozi, Rizky; Murwadji, Tarsisius; Rukmini, Mien
Esensi Hukum Vol 2 No 1 (2020): Juni - Jurnal Esensi Hukum
Publisher : Fakultas Hukum Universitas Pembangunan Nasional "Veteran" Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35586/esensihukum.v2i1.22

Abstract

Tujuan penelitian ini untuk menganalisis (1) penerapan rahasia bank sebagai bentuk perlindungan hukum kepada nasabah; (2) problematika pengungkapan rahasia bank antara kepentingan negara dan perlindungan kepada nasabah;dan (3) hak tolak bank untuk membuka rahasia bank. Metode penelitian yang digunakan adalah penelitian hukum yuridis normatif dengan menggunakan pendekatan perundang-undangan dan konseptual. Hasil penelitian menunjukkan (1) Penerapan rahasia bank sebagai bentuk perlindungan hukum kepada nasabah terdiri dari perlindungan hukum preventif dan represif; (2) Problematika pengungkapan rahasia bank antara kepentingan negara dan perlindungan kepada nasabah harus dilakukan secara seimbang agar tidak timbul opini publik bahwa seolah-olah rahasia bank sudah tidak relevan lagi keberadaannya dan (3) Hak tolak bank untuk membuka rahasia bank menunjukkan bahwa bank berhak menolak untuk membuka rahasia bank berdasarkan hubungan kontraktual antara bank dengan nasabahnya. Menurut Pasal 1338 KUHPerdata perjanjian mengikat bagi para pihak yang membuatnya, tetapi tidak mengikat bagi pihak ketiga dalam hal ini termasuk negara sebagai pihak ketiga.
PEOPLE'S BUSINESS CREDIT: OMNIBUS LAW AND BUSINESS REENGINEERING COMMUNITY FINANCIAL INSTITUTIONS Murwadji, Tarsisius; Tresna Puja Asmara, Teguh; Kusuma, Sylvia
Transnational Business Law Journal Vol. 1 No. 1 (2020): TRANSNATIONAL BUSINESS LAW JOURNAL, Volume 1, Number 1, February 2020
Publisher : Department of Transnational Business Law, Faculty of Law Universitas Padjadjaran

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

Abstract

ABSTRACTThe Government's program to accelerate the development of the real sector and the empowerment of Micro, Small and Medium Enterprises (MSMEs), one of which is set forth in the policy package for the distribution of People's Business Credit (KUR). However, in its implementation, the KUR program experienced several problems and could not be carried out only by relying on funds from the Government or banks for the development of MSMEs. This is due to the fact that banks in conducting their business must always pay attention to the principle of banking prudence, while the KUR program requires banks to relax the conditions of their debtors who want to obtain credit or financing. This research uses the normative juridical approach method by emphasizing the study of literature and supported by data from field research. The results showed that the KUR program in its implementation could be synergized with the Corporate Social Responsibility (CSR) program. The CSR program can be a solution to the problems faced by the KUR program where later the CSR program can be used as a trigger for banking business reengineering in implementing the KUR program that can provide benefits for stakeholders. Keywords: People's Business Credit, Corporate Social Responsibility, Business Reengineering
Genealogy of Islamic Business Organization: The Institutional Approach Towards Current Islamic Corporate Law Afdal, Windi; Murwadji, Tarsisius; Supriyatni, Renny; Mulyati, Etty; Mbilinyi, Francis Daniel
Jurnal Media Hukum Vol 31, No 1: June 2024
Publisher : Fakultas Hukum Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jmh.v31i1.20132

Abstract

This article examines the social foundation which posed challenges to the adoption of corporate form as a business entity within the framework of Islamic legal tradition. This article employs juridical-normative research analysis with socio-legal approach. This paper concludes: (1) The corporate legal form was not required by the medieval Islamic legal system as well as the case in Western Europe due to several reason such as: an institutional vacuity; withdrawal of community capital resources into waqf institutions; stagnancy in institutional development of business organizations in Islamic law; and inability of the Muslim business elite to consolidate power. (2) In classical fiqh discussions, Islamic business organizations do not have legal personality. The closest approximation to corporate legal entities found in Islam have been bayt al-māl (public treasury), mosque property, and waqf (trusts).  Recently, the scholars have approved the corporate form on the basis of fiqh principles of qiyas (analogy) and istihsan, or masaliha mursalah (public interest). 
Co-Authors ., Hasna Agus Budiman Agus Suwandono Agus, Yoga Mulya Anggi Saraswati Ayunda Gayatri Maheswari Azzahra Jihan Shubihantoro Bambang Daru Nugroho Bambang Daru Nugroho Dadang Epi Sukarsa Dadang Epi Sukarsa Deden Suryo Rahardjo Dedi Harianto Dewi Ari Shia Wase Meliala Dewi Parhusip Djuhaendah Hasan Efa Laela Fakhriah Elisatris Gultom Elvetta, Shisca Etty Mulyati Fahrurrozi, Rizky Gilda Nathania Sirait Hakim, Lukmanul Haliman, Yudi HASIM PURBA Helza Nova Lita Helza Nova Lita Helza Nova Lita Hernadi Affandi Holyness Nurdin Singadimedja Huala Adolf Ikhsan Lubis Illona Novira Elthania Karnosaputra, Yanto Kilkoda Agus Saleh Kusuma, Sylvia Lubis, Ikhsan Maheswari, Ayunda Gayatri MAHMUL SIREGAR Marcelline Allegra Mariane Magda Ketaren Mbilinyi, Francis Daniel Mien Rukmini, Mien Mochamad Dzaki Ansori Nisabilah Anjani Novrizha Dinda Larasati Nun Harrieti Nun Harrieti Nun Harrieti Parlin Dony Sipayung Permana, Sudaryat Putri, Salma Indah Rahardjo, Deden Suryo Renny Supriyatni Bachro Robert, Robert Rosmalinda, Rosmalinda Salma Indah Putri Salsabila Chairunnisa Seyba Nabilla Iwandha Shafa Dinda Putri Shannia Angelia Rahardjo Sheila Eldi Azzahra Sukarja, Detania Sunarmi Sunarmi Sunarmi Supraba Sekarwati Widjayani Syifa Afiani Widaningtyas Taufiqurrohman, Moch. Marsa Teguh Tresna Puja Asmara Veronica, Angela Vonny Rachel Caroline Windi Afdal, Windi Zulfa, Indani