Articles
<![CDATA[DIVORCE SETTLEMENT DUE TO HOME VIOLENCE DURING THE PANDEMIC COVID 19 IN MEDAN CITY ]]>
<![CDATA[Erniyanti]]>;
<![CDATA[Mukidi Mukidi]]>;
<![CDATA[Syahrul Bakti Harahap]]>;
<![CDATA[Nelvitia Purba]]>
<![CDATA[ INTERNATIONAL JOURNAL OF SOCIAL, POLICY AND LAW Vol. 2 No. 3 (2021): Juni 2021 ]]>
Publisher : <![CDATA[INTERNATIONAL JOURNAL OF SOCIAL, POLICY AND LAW ]]>
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DOI: 10.8888/ijospl.v2i3.43
<![CDATA[This article aims to examine the procedure for resolving divorce caused by domestic violence during the Covid-19 pandemic in Medan City. Since the end of 2019, a deadly virus emerged from the Covid-19 pandemic, which is one of the strategies of Indonesian government in suppressing the spread. Covid -19, which continues to increase, establishes a Large-Scale Social Restriction policy which causes people to do more activities at home, both for studying, working, and even layoffs occur everywhere so that the community's economy is disrupted. At this time divorce cases in Indonesia in general and in particular in Medan City continue to increase in number until mid-2020 increase ranges from 15-20 percent. The consequences of the Covid 19 Pandemic greatly affect all aspects of human life in the world related to economy and behavior due to the pressure of life and this domestic violence occurred. The process of resolving domestic violence cases through the penal channel at investigation level is a number of activities carried out by law enforcement officials, namely: investigations, investigations, coercive measures and the making of an official report. The reason for law enforcement officials to carry out these activities is because a criminal act has occurred (a criminal act). For victims of domestic violence after processing in a criminal court, the discomfort resulting from this domestic violence process is submitted to a religious court. In the process, the judge has an obligation to reconcile a married couple who are about to divorce, this is based on Law Number 1 of 1974 concerning Marriage Article 39 jo. PP. Number 9 of 1975 concerning the implementation of Law Number 1 of 1974 17 Regulation of the Supreme Court of the Republic of Indonesia Number 1 of 2008 concerning Mediation Procedures in Courts concerning Marriage Article 31 jo. Law Number 7 of 1989 concerning Religious Courts Articles 65 and 82. The decision for divorce will be handed down by the panel of judges if efforts to conciliate are truly unsuccessful.]]>
<![CDATA[Implementation The Theory Of Planned Behavior Model As Behavior Reinforcement For Agent Of Change As An Effort To Improve Corruption Prevention At SMA Taruna Akterlis Medan ]]>
<![CDATA[Mukidi Mukidi]]>;
<![CDATA[Nelvitia Purba]]>;
<![CDATA[Muhlizar Muhlizar]]>;
<![CDATA[Humala Sitinjak]]>
<![CDATA[ INTERNATIONAL JOURNAL OF SOCIAL, POLICY AND LAW Vol. 2 No. 4 (2021): August 2021 ]]>
Publisher : <![CDATA[INTERNATIONAL JOURNAL OF SOCIAL, POLICY AND LAW ]]>
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DOI: 10.8888/ijospl.v2i4.71
<![CDATA[During the Covid 19 Pandemic, which occurred in all countries in the world, without exception in Indonesia, experiencing a period of economic crisis, the fact is that corruption still occurs. Deviate from the applicable rules and do not have a sense of humanity. Eradication of corruption is carried out by taking action and prevention, this prevention will never work optimally if it is only carried out by the government without involving the younger generation as one of the most important parts, this is because it is the future heir of anti-corruption in strengthening behavior in everyday life. The role of the younger generation is focused on preventing corruption by participating in building an anti-corruption culture in society.The research method used is normative juridical-empirical. The analysis carried out in this study using descriptive qualitative analysis. The experimental design model to test the product that has been designed for this research has made the method and after being corrected by the researcher through discussions with experts in this research field, population and sample testing as well as data instruments in the study will be carried out. Improving this product can be done by presenting several experts who are experts in this research field to assess whether the model design has been made by the researcher. So that you can identify your strengths and weaknesses. This design validation is carried out through discussion forums and seminars that will focus on product improvement by testing with experts and practitioners.Research Results It can be stated that: The Theory Of Planned Behavior Model As Strengthening Agent Of Change Behavioral Education For The Young Generation As An Effort To Prevent Corruption. The success of this model can be revealed through Theory of Planned Behavior. The end result is expected that individuals/students have a great possibility to adopt a behavior that is character building including honesty, discipline, hard work. If the individual/young generation has a positive attitude towards this behavior, then in this case the whole of the young generation who are close and related to this behavior will be able to do well and as an agent of change make the younger generation an asset of the nation to change a country that is there is a lot of corruption to become a country free from corruption. Based on the description above, the Theory of Planned Behavior is expected. The final result is expected that individual TAMA SMA students in Medan City have a great possibility to adopt a behavior, namely character building including honesty, discipline, hard work. If the individual/young generation has a positive attitude towards this behavior, then in this case the whole of the young generation who are close and related to this behavior will be able to do well and as an agent of change make the younger generation an asset of the nation to change a country that is there is a lot of corruption to become a country free from corruption.]]>
<![CDATA[Pemberdayaan Ekonomi Masyarakat Pesisir Ramah Lingkungan (Penelitian Di Belawan Kota Medan) ]]>
<![CDATA[Mukidi Mukidi]]>
<![CDATA[ Jurnal Hukum Kaidah: Media Komunikasi dan Informasi Hukum dan Masyarakat Vol 17, No 3 (2018): Edisi Mei 2018 ]]>
Publisher : <![CDATA[Universitas Islam Sumatera Utara ]]>
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DOI: 10.30743/jhk.v17i3.592
<![CDATA[AbstractNatural resources as the main supporters of national development need to be considered to meet the interests of current and future generations. Therefore, various policies have been issued to maintain the natural resources as capital to realize the welfare of the entire nation by keeping maintaining the carrying capacity and the function of the environment. However, until now there are still a lot of damage, pollution, and natural disasters due to the management of natural resources that excludes the sustainability of environmental functions. The condition is compounded by the decline of vegetation cover in protected areas, loss of mangrove ecosystems / coastal plants, the increasing destruction of watersheds, and loss of water resources and decreasing quality of river and sea water. The visible immediate impacts are such as droughts, floods and landslides in various areas that cause human casualties, damage / disrupt the functioning of infrastructure, and worsened access of clean water. Keywords: economic empowerment, friendly environment]]>
<![CDATA[Prosedur Pemberian Sertifikat Label Halal Terhadap Produk Makanan Di Restoran Hotel Syariah Untuk Mewujudkan Hak Kenyamanan Konsumen Muslim (Studi Di Kementerian Agama Provinsi Sumatera Utara) ]]>
<![CDATA[Mukidi Mukidi]]>
<![CDATA[ Jurnal Hukum Kaidah: Media Komunikasi dan Informasi Hukum dan Masyarakat Vol 19, No 3 (2020): Edisi Mei 2020 ]]>
Publisher : <![CDATA[Universitas Islam Sumatera Utara ]]>
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DOI: 10.30743/jhk.v19i3.2674
<![CDATA[Businessmen have the duty of ensuring halal food products and giving the halal label on the basis of having obtained a halal certificate from the ministry of religion which was socialized to the consumer society in a way that it is conveyed through writings that are easy to read and not easily removed by a visitor at a particular place in the restaurant. It is according to Article 39 of Law Number 33 Year 2014 concerning the guarantee of halal products. The halal certificate is valid for four years since it was issued by the Halal Product Guarantee Agency (HPGA), and it must be extended. Halal certificates are mandatory, so the food products which do not have halal label certificate cannot longer circulate in Indonesia.The procedure for obtaining halal certification at the hotel restaurant which was issued by the Ministry of Religious Affairs (MORA). First, businessmen must fulfill the requirements which were checked by HPGA such as, the data of businessmen, the name and type of business product, a list of products and materials used, the manner or the product processing as well as halal guarantee system. After fulfilling the requirements of HPGA in checking the dokumen, then determine the LPH that has been selected by the applicant, then the LPH conducts the examination and / or testing of the next step of the MUI product through the determination of the halal food product halal through a halal fatwa session. After the process is carried out through the prescribed stages, the HPGA issues a halal certificate.Keywords : Halal Label Certification, Halal Products, Halal Product Protection Guarantees]]>
<![CDATA[KEWENANGAN PEMERINTAH KOTA MEDAN TERHADAP PENYELENGGARAAN REHABILITAS BAGI PECANDU DAN KORBAN PENYALAHGUNAA NARKOBA DI YAYASAN REHABILITASI RUMAH UMMI MEDAN SUNGGAL DI MASA PANDEMI COVID-19 ]]>
<![CDATA[Mukidi Mukidi]]>;
<![CDATA[Marzuki Marzuki]]>;
<![CDATA[Nelvitia Purba]]>;
<![CDATA[Ismed Batubara]]>;
<![CDATA[Muhlizar Muhlizar]]>;
<![CDATA[Erniyanti Erniyanti]]>
<![CDATA[ AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Vol. 5 No. 2 (2021): Amaliah: Jurnal Pengabdian Kepada Masyarakat ]]>
Publisher : <![CDATA[LP2M UMN AL WASHLIYAH ]]>
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DOI: 10.32696/ajpkm.v5i2.965
<![CDATA[Kejahatan penyalahgunaan Narkotika merupakan kategori sebuah tindak kejahatan yang luar biasa (extraordinary crime), oleh karena itu perlu ditangani secara intensif. Strategi pemberantasan Penyalahgunaan Narkotika ini terdapat tiga unsur yang utama antara lain :Pencegahan, Penindakan dan Peran Masyarakat. Rehabilitasi terhadap penyalahgunaan Narkotika merupakan suatu tindakan penyembuhan terhadap eks narkoba salahsatu program yang dijalankan melalui pemdekatan Agama melalui pembetulan nilai pendidikan Ibadah, Akhlak dan Akidah. Metode Pelaksanaan Kegiatan Rehabilitasi di “RUMAH UMMI” ini rutin dilakukan kegiatan intensif rutin keagamaan setiap Minggu pada Hari Rabu dan Kamis. Melalui kegiatan Abdimas ini yang berkolaburasi antara Tim Abdimas Universitas Islam Sumatera Utara, Tim Pengabdian UMN Al Washliyah Medan dan Universitas Batam melaksanakan kegiatan antara lain di dahului dengan permainan Game dan penyuluhan hukum. Hasil dari Kegiatan Pengabdian Kepada Masyarakat ini setelah menjalani rehabilitasi di Rumah Ummi ini eks Narkoba menjadi muslim yang taat beribadah dan memiliki karakter yang baik di dalam menjalankan aktivitasnya sehari hari di dalam lingkungan keluarga dan masyarakat serta tidak akan kembali lagi mengkomsumsi barang haram tersebut. Pada masa pandemi Cvovid-19 ini penyelengaraan kegiatan tetap harus dilaksanakan dengan melaksanakan protokol kesehatan untuk menghindari para resident dan pengelola rehabilitasi di yayasan Rumah Ummi terpapar Covid -19.]]>
<![CDATA[PEMANFAATAN DAUN PERIA PANTAI SEBAGAI KEARIFAN LOKAL DALAM UPAYA AKSELERASI URGENSI PENCEGAHAN COVID-19 DI DESA TRIENG MEUDURO ]]>
<![CDATA[Nelvitia Purba]]>;
<![CDATA[Mukidi Mukidi]]>;
<![CDATA[Akiruddin Ahmad]]>;
<![CDATA[Sri Rizki Hayaty]]>
<![CDATA[ AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Vol. 5 No. 2 (2021): Amaliah: Jurnal Pengabdian Kepada Masyarakat ]]>
Publisher : <![CDATA[LP2M UMN AL WASHLIYAH ]]>
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DOI: 10.32696/ajpkm.v5i2.966
<![CDATA[Pandemi covid-19 mewabah hampir diselurh dunia termasuk Indonesia, dalam hal ini Aceh selatan tidak terlewatkan juga terjadi pandemi tersebut. Untuk pencegahan penularan Pademi Covid -19 di laksanakam secara gotong royong dan kerja sama seluruh mesyarakat dan elemen pemerintah termasuk perguruan tinggi juga melaksanakan pengabdian masyarakat untuk membantu masyarakat dalam pencegahan penularan pandemic Covid -19 di Desa Trieng Moudoro Kabupaten Aceh Selatan. Berdasarkan berita yang dimuat dalam media elektronik Serambi news bahwa Kasus Covid-19 di Aceh Selatan meningkat, dklasifikasikan dalam zona merah. Menyikapi keadaan ini perlu pedisiplinan dan penegakan hukum untuk menerapkan Protokol Kesehatan. Tujuan pengabdian kepada masyarakat ini mendukung program pemerintah dalam menerapkan protokol kesehatan untuk meningkatkan kewaspadaan dan mengantisipasi penularan serta pencegahan Covid 19 dengan meminimalkan penularann di masyarakat Trieng Meuduro di Aceh Selatan. Disamping peran serta pemerintah setempat untuk mengefektifkan dilakssanakan upaya dengan Langkah kearifan lokal untuk mengatasi kondisi darurat dan penularan Covid -19. Untuk mengatasi kondisi darurat dilaksankan dengan upaya kearifan lokal untuk menciptakan kecepatan, percepatan dan menyikapi lajunya perubahan dengan akselerasi urgency dengan memanfaatkan daun Peria Pantai . Kearifan Lokal yang terdapat pada masyarakat tradisional di Aceh Selatan merupakan alternatif dalam mencegah bencana alam/ non alam ataupun dalam penanganan pasca bencana, sehingga Kearifan Lokal memiliki nilai yang penting dalam memitigasi bencana di suatu daerah. Metode Pelaksanaan: Pendekatan kemasyarakatan dan kegiatan penyuluhan maupun pelatihan terkait kearifan lokal pemanfaatan daun peria. Hasil Dari Kegiatannya, Di tengah meningkatnya dari hari ke hari yang terkena Covid 19 .Data Teerutama dalam mencegah suatu perbuatan atau penyimpangan di dalam hal ini untuk meningkatkan Peran dan Kewaspadaan dalam Mengantisipasi Penularan Covid 19 di masyarakat Kelurahan Tualang ditempat dan fasilitas umum sehingga membantu untuk meminimalkan dampak yang ditimbulkan oleh Covid 19 ini. Target yang diharapkan yaitu Peningkatan Disiplin dan Penegakan Hukum Protokol Kesehatan dalam Pencegahan Covid 19 di Desa Trieng Meuduro Aceh Selatan. Kesimpulan dari kegiatan pengabdian masyarakat ini, Dengan melibatkan masyarakat, pemuka agama, tokoh adat, tokoh masyarakat dan unsur organisasi masyarakat lainnya yang ada di Kelurahan Tualang ini terkait Pemanfaatan Kearifan Lokal Daun Peria Pantai Untuk Mencegah Covid 19 .]]>
<![CDATA[PEMBERDAYAAN EKONOMI KERAKYATAN MELALUI PENANAMAN JAHE MERAH DI LAHAN TANAH SECARA LEGAL UNTUK MENDORONG PERTUMBUHAN PEREKONOMIAN MASYARAKAT PETANI DESA NAGUR KEC. TANJUNG BERINGIN KABUPATEN SERDANG BEDAGAI DI MASA PANDEMI COVID-19 ]]>
<![CDATA[Mukidi Mukidi]]>;
<![CDATA[Marzuki Marzuki]]>;
<![CDATA[Nurhayati Nurhayati]]>;
<![CDATA[Nelvitia Purba]]>;
<![CDATA[Muhlizar Muhlizar]]>
<![CDATA[ AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Vol. 6 No. 1 (2022): Amaliah: Jurnal Pengabdian Kepada Masyarakat ]]>
Publisher : <![CDATA[LP2M UMN AL WASHLIYAH ]]>
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DOI: 10.32696/ajpkm.v6i1.1230
<![CDATA[Di tengah pandemi covid -19 ini yang menyebabkan perekonomian masyarakat yang morat marit, oleh karena itu untuk meningkatkan pertumbuhan ekonomi di Desa Nagur , mengingat masa pandemi Covid 19 ini sangat diperlukan dan untuk membantu meningkatkan kekebalan imun tubuh segala upaya dilakukan termasuk menggiatkan tanaman- tanaman tradisional dimana salah satu tanaman untuk pembuatan jamu ini adalah jahe merah. Desa Nagur Kecamatan Tanjung Beringin Kabupaten Serdang Bedagai telah dilaksanakan pembudidayaan berbagai macam komuditas tanaman hortikultural termasuk penanaman jahe. Namun karena dalam penerapannya kurang adanya pengetahuan mengenai media tanah, media tanam, perawatan dan penerapan teknologi sehingga tidak berhasil. Dengan kegagalan penanaman jahe di Desa Nagur masyarakat otomatis mengurangi pertumbuhan ekonomi masyarakat tersebut. Untuk itu, dengan kondisi tersebut di dalam mendorong pertumbuhan ekonomi masyarakat Desa Nagur perlunya literasi (percepatan, kecepatan, menyikapi perubahan). Melalui penanaman jahe yang akan dilaksanakan dengan metode penanaman menggunakan media tanam menggunakan karung dengan media tanah yng sudah di permentasikan Permasalahan Mitra di Desa Nagur di dalam penanaman jahe selama ini Antara Lain : a. Media tanam tidak sesuai untuk penanaman jahe. b. Tanah melebihi standart untuk media tanam jahe. c. Masyarakat kurang memahami perawatan. Menyikapi permasalahan mitra solusi terhadap permasalahan antara lain : Media tanam sesuai dengan ukuran perbandingan tanah - sekam dan kohe (kotoran hewan) dengan perbandingan 2 : 1 :1 atau 1 : 1 : 1 dengan Kohe melalui permentasi terlebih dahulu selama lebih kurang 1 bulan setelah melalui proses permentasi ke 3 (tiga) media tanam yang dicampur menjadi satu PH tanah atau keasaman tanah tidak melebihi batas antara 6 - 8 atau berkisar 6,5 sampai dengan 7,5 Membutuhkan pendampingan tenaga ahli dalam hal ini petani jahe yang telah berhasil membudidayakan tanaman jahe merah ini dan memahami tentang budidaya jahe ini. Metode Pelaksanaan Kegiatan PTDM ini adalah: Sosialisasi, Pendampingan/Pelatihan,Perawatan Produk hingga menghasilkan produk dan di dampingi salah satu petani yang telah berhasil membudi dayakan jahe merah ini Luaran Dari kegiatan ini adalah : Produk Tanaman Jahe Merah dan dipulikasikan di Jurnal Abdimas LP2M Universitas Gajah Mada, Publikasi Media Massa On Line dan Buku Yang Dierbitkan Oleh PT.Mahara Publishing]]>
<![CDATA[Analisis penolakan rencana perdamaian oleh kreditor konkuren dalam proses penundaan kewajiban Pembayaran utang (Studi Putusan Mahkamah Agung Nomor 830 K/Pdt.Sus-Pailit/2020) ]]>
<![CDATA[Sutrisno Sutrisno]]>;
<![CDATA[Mukidi Mukidi]]>;
<![CDATA[Mustamam Mustamam]]>
<![CDATA[ Jurnal Hukum dan Kemasyarakatan Al-Hikmah Vol 3, No 2 (2022): Edisi Juni 2022 ]]>
Publisher : <![CDATA[Fakultas Hukum universitas Islam Sumatera Utara ]]>
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DOI: 10.30743/jhah.v3i2.5530
<![CDATA[Abstrak Kepailitan menjadi salah satu jalan yang ditempuh oleh debitor dalam menyelesaikan persoalan utang piutang saat debitor tidak mampu atau memperkirakan tidak mampu membayar utang kepada para kreditornya yang sudah jatuh tempo dan dapat ditagih. PKPU menjadi suatu upaya hukum yang dapat dilakukan dengan memberikan kesempatan kepada debitur untuk melakukan restrukturisasi utang-utangnya, meliputi pembayaran seluruh atau sebagian utangnya kepada kreditor. Hasil penelitian menunjukkan restrukturisasi penundaan kewajiban pembayaran hutang debitur terhadap kreditur di masa pandemi Covid-19 diajukan debitur terhadap para krediturnya dilakukan dengan pemohon mengajukan proposal Perdamaian kepada seluruh kreditur dan dalam proposal perdamaian pada intinya mengajukan penawaran penjadwalan ulang pembayaran angsuran hutang disertai dengan agunan atau jaminan dalam bentuk pemberian hak tanggungan untuk menjamin pembayaran agunan tersebut. Hambatan yang di hadapi kreditur dan debitur dalam penyelesaian hutang di masa Pandemi covid-19 adalah pandangan masyarakat yang menganggap restrukturisasi kredit akibat covid-19 ini adalah penghapusan utang nasabah selama pandemi ini. Pertimbangan hukum hakim pada putusan Mahkamah Agung Nomor 830 K/Pdt.Sus-Pailit/2020 adalah syarat rencana perdamaian tidak diterima atau ditolak adalah quorum, karena 2 (dua) kreditur konkuren secara aklamasi menolak Rencana Perdamaian PT. Yeyeom Design, sehingga debitur PT. Yeyeom Design harus dinyatakan pailit dengan segala akibat hukumnya.Kata Kunci: Perdamaian, Kreditor Konkuren, PKPU Abstract Bankruptcy is one of the paths taken by debtors in solving debt problems when the debtor is unable or estimates not to be able to pay debts to creditors that are due and can be collected. PKPU is a legal remedy that can be carried out by providing an opportunity for debtors to restructure their debts, including paying all or part of their debts to creditors. The results showed that the restructuring of the postponement of debt repayment obligations of debtors to creditors during the Covid-19 pandemic was proposed by debtors to creditors with the applicant submitting a reconciliation proposal to all creditors and in the peace proposal essentially submitting an offer to reschedule the payment of debt installments accompanied by collateral or guarantees in the form of granting mortgage rights to guarantee the payment of the collateral. The obstacles faced by creditors and debtors in settling debts during the Covid-19 pandemic are the views of the public who consider credit restructuring due to COVID-19 as the elimination of customer debt during this pandemic. The judge's legal consideration in the Supreme Court's decision Number 830 K/Pdt.Sus-Pailit/2020 is the condition that the peace plan is not accepted or rejected is a quorum, because 2 (two) concurrent creditors unanimously rejected the PT. Yeyeom Design, so that the debtor of PT. Yeyeom Design must be declared bankrupt with all the legal consequences. Keywords: Peace, Concurrent Creditors, PKPU]]>
<![CDATA[Criminal Law Reform Double Track System (Rehabilitation Versus Prison) On Against The Crime Of Narcotics Abuse In Indonesia ]]>
<![CDATA[Nelvitia Purba]]>;
<![CDATA[Mukidi Mukidi]]>;
<![CDATA[Muhlizar Muhlizar]]>
<![CDATA[ LEGAL BRIEF Vol. 11 No. 5 (2022): Desember: Law Science and Field ]]>
Publisher : <![CDATA[IHSA Institute ]]>
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DOI: 10.35335/legal.v11i5.520
<![CDATA[Efforts to prevent and eradicate drug abuse are urgent because they can have a systemic effect. Therefore, it is necessary to renew article 127 of Law no. 35 of 2009 (Double Track System) for handling narcotics abuse which so far has emphasized criminal sanctions rather than action sanctions. This research uses normative legal research or can be referred to as doctrinal legal research. The analysis of legal material used is descriptive analysis. The results of the study concluded (1). The position of criminal sanctions and actions based on article 127 Law Number 35 of 2009 it is clear that there is a regulation, but its application to narcotics abuse has not been effective because it does not take into account the physical and psychological conditions of the perpetrator, which should focus more on rehabilitation than imprisonment (2). The reform of the Criminal Law article 127 Law Number 35 of 2009 (Rehabilitation versus Prison) against narcotics abusers must be carried out immediately because it concerns the future of the nation and also provides aspects of protection and aspects of the public interest.]]>
<![CDATA[ONLINE LOAN PRACTICE (PIJOL) VIEWED FROM PERPSECTIVE OF THE BANKING LAW SYSTEM (STUDY IN MEDAN CITY) ]]>
<![CDATA[Taufiq Wahyudi]]>;
<![CDATA[Mustamam Mustamam]]>;
<![CDATA[Mukidi Mukidi]]>
<![CDATA[ Jurnal Ilmiah METADATA Vol. 3 No. 1 (2021): Edisi bulan Januari 2021 ]]>
Publisher : <![CDATA[LPPM YPITI ]]>
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<![CDATA[The phenomenon of online lending in society today has become quite an unsettling social phenomenon. Because online lending practices that charge high interest rates are not much different from loan sharks (loan sharks) who ensnare the poor. Many of the systems applied in online lending practices are not in accordance with the banking legal system. As for the problems in this study regarding how the legal provisions of online lending practices according to the banking legal system in Indonesia? How is the mechanism for implementing online loans currently developing in the community? What is the legal protection of borrowers in online loan practices? This type of research is normative juridical research, while the nature of the study is descriptive analysis. This research uses several approaches, namely the law and conceptual approach. The research data consisted of primary and secondary data sources. The data analysis used in this study is qualitative data analysis. Based on the results of the study, online loans in the perspective of banking law, can be said to be in accordance with the banking legal system. The online loan agreement is based on the legal agreement stipulated in the Civil Code as a general provision in the credit agreement which is also applied by banks. In addition, the online loan agreement also applies banking legal principles. The online loan implementation mechanism that is currently developing in the community is based on technology called Fintech Peer to Peer Lending, where there are three parties involved, namely: lenders, loan recipients and fintech providers. Legal protection for borrowers in the practice of online lending has yet to have legal certainty. The essence of the Financial Services Authority Regulation No. 77/POJK.01/2016, only directs that online loan service providers register with the OJK. This means that the substance of the OJK regulations has not fully provided protection for customers, both in terms of preventive and refressive efforts.]]>
