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IMPLEMENTASI SINGLE PRESENCE POLICY (SPP) BAGI DUNIA PERBANKAN DALAM PERSPEKTIF UNDANG UNDANG NOMOR TAHUN 2007 TENTANG PERSEROAN TERBATAS Pujiyono, Pujiyono
Yustisia Vol 1, No 1: April 2012
Publisher : Faculty of Law, Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/yustisia.v1i1.10592

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AbstractThe objectives of this research are to know the implementation of Single Presence Policy for Banking in the Law number 40th of 2007 about Limited Company (The Law of Limited Company)  perspective and to know the supporting and resisting factors in  implementation of Single Presence Policy for Banking in The Law of Limited Company perspective. The datas consist of primary and secondary data. The primary data is collected by interview. The secondary data is collected by documentary research. Bank Indonesia region of Surakarta is chosen because its rule as  supervisor and builder public bank  asspecially at Surakarta region. The result of this research shows that the implementation of single presence policy is causing : inquietable at state banking with tree options are offered by government, labour problems and the problem about legal owner and beneciary owner. The supporting  factor in the implementation of Single Presence Policy for world banking in The Law of Limited Company perspective  are : It as media to increase the competitive ratio of Government Bank and it as a tool to gives limitation the domination of private bank by foreign owner. The resisting factors in  implementation of Single Presence Policy for world banking in The Law of Limited Company perspective  are : The law problems, the collision of the Single Presence Policy and the RUPS system in The Law of Limited Company about Single Presence Policy, The accomplishment of minimum core capital, The insiding of PBI no  8/16/PBI/2006 about Single Ownership of Indonesian Banking to Minority Shareholders, and the difficult of applying holding company at Government bank. 
LEGAL PROTECTION FOR THE LOSS OF THE PASSENGER OF ONLINE TRANSPORTATION Pujiyono, Pujiyono; Pati, Umi Khaerah
Yustisia Vol 8, No 2: August 2019
Publisher : Faculty of Law, Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/yustisia.v8i2.34156

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Online transportation shall provide a security, comfort and safety guarantee for service users, however it is not performed in the application. Service users still havenot guaranteed their rights as consumers. In the case the consumer suffers a loss, itis remain undetermined how compensation may be granted, therefore it demandsan equal legal protection. Facing this condition, Law Number 8 of 1999 on TheConsumer Protection has not yet stipulated slear provision regarding this matter,likewise the online transportation service users and service providers are only boundin limited aspects. The research method of this reasearch is normative legal researchonly focusing on the issues raised, discussed and elaborated with applying  the rulesor norms in positive law, using Statutory Approaches and Conceptual Approaches,with primary and secondary legal materials. The data collection technique used isliterature study. The analysis technique used is the deductive method. The resultsshowed that there was an legal relationship between service users and onlinetransportation service providers. Consumers have the right to get protection in theform of responsibility for information, legal responsibility for services providedand responsibility for security and comfort. However, for the losses suffered, legalprotection for losses incurred by passengers in online transportation mode is still poordue to lack of regulations and the undetermined standard regulations specifically inregulating online transportation modes.
URGENSI IINTEGRASI NILAI LOCAL WISDOM DALAM KONFLIK SUPORTER SEPAKBOLA Pujiyono, Pujiyono; Mulyanto, Mulyanto
Yustisia Vol 3, No 1: April 2014
Publisher : Faculty of Law, Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/yustisia.v3i1.10134

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AbstractThis study was conducted to describe the factors that cause conflict among football fans. There are findings of two (2) factors causing conflict football supporters that internal factors are derived from the self-supporters and external factors outside themselves supporters as unfair referee; conditions of players, and conditions in the field as revenge of the past, the movement spontaneous, mutual blasphemy and provocateur. In an academic perspective, need to be developed integrating the values  of local wisdom in preventing conflict between supporters of football, including the proverbial “win without ngasorake”. If supporters uphold these values  , conflict and reduced football fans are increasingly aware of the importance of maintaining fair play. AbstrakPenelitian ini dilakukan untuk menjelaskan faktor-faktor yang menyebabkan konflik antar suporter sepakbola. Ada temuan terdapat 2 (dua) faktor penyebab konflik supporter sepak bola yakni faktor internal yang berasal dari dalam diri supporter dan faktor eksternal yang berasal dari luar diri supporter seperti Wasit yang tidak adil; Kondisi pemain; dan Kondisi di lapangan seperti dendam masa lalu, gerakan spontan, saling hujat dan provokator. Dalam perspektif akademis, perlu dikembangkan pengintegrasian nilai-nilai local wisdom dalam mencegah konflik antar suporter sepakbola, diantaranya pepatah “menang tanpa ngasorake”. Apabila suporter menjunjung tinggi nilai tersebut, konflik suporter sepakbola berkurang dan semakin sadar pentingnya menjaga fair play.  
LEGAL PROTECTION FOR NEW CREDITORS IN THE IMPLEMENTION OF CREDIT TAKEOVER WITH MORTGAGE GUARANTEE Pujiyono, Pujiyono; Toha, Syarief
Yustisia Vol 6, No 1: April 2017
Publisher : Faculty of Law, Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/yustisia.v6i1.11506

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This research aimed to identify and analyze legal protection for new creditors in the takeover of credit with mortgage guarantee. Type of Research is a normative legal research or an equation with doctrinal research. The results of this research shows that the implementation of the credit take over with collateral mortgage starting from the loan application by the debtor and all the completeness of the terms of credit application, to do a survey to customers. If it is eligible, then continuing to make a credit proposal in which will be submitted to a credit comitee. If it is approved then continued with the credit agreement and collateral agreement that are required to bring the debtor. Then the bank employees accompany the debt to the former creditor, to make payment with funds obtained from third party to make payment with funds obtained from third party. If the repayment has been done, required to request full payment slip and genuine proof of guarantee ownership, then they can be burden by mortgage, roya has to be done first. The transfer mechanism of mortgage in credit takeover is too risky for a new creditor if the Roya’s mail can not be published on the same day. So that way is provide less certainty and legal protection for the new creditors.
LANGKAH HUKUM PIHAK YANG DIRUGIKAN AKIBAT PERJANJIAN JUAL-BELI ONLINE MELALUI REKENING BERSAMA DENGAN SALAH SATU PIHAK ANAK DI BAWAH UMUR Savitri, Lestari Dewi; Pujiyono, Pujiyono
Jurnal Privat Law Vol 14, No 1 (2026): JANUARI - JUNI
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v14i1.57680

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This article aims to find out the legal steps that can be taken by the relevant party who is harmed by the existence of e-commerce agreements through an escrow with one of the minor subjects. The research methods used are normative juridical, research approaches through legislation, and with data analysis techniques that are deduction by syllogism methods. According to the results of the study, e-commerce activities have been protected by the Law No. 11 of 2008 on Electronic Information and Law No. 8 of 1999 on Consumer Protection. In addition to regulating legal protection of consumers also regulates how the responsibility of business actors if consumers experience losses. One of the legal protections is the arrangement of legal steps to resolve disputes. Legal steps that can be taken by relevant parties who are harmed by the existence of an e-commerce agreement through an escrow with one of the subject minors can be done through litigation and non-litigation.
PENERAPAN PRINSIP KEHATI-HATIAN PERBANKAN DALAM PENYALURAN KREDIT PERBANKAN YANG BERASAL DARI DANA TITIPAN PEMERINTAH DI SAAT PANDEMI COVID-19 Bahagia, Helarion Gema; Pujiyono, Pujiyono
Jurnal Privat Law Vol 13, No 2 (2025): JULI-DESEMBER
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v13i2.53311

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Artikel ini bertujuan untuk melihat penerapan prinsip kehati-hatian pada bankkhususnya Bank BUMN yang berpartisi dalam program Pemulihan EkonomiNasional (PEN) yang diatur dalam Peraturan Pemerintah Nomor 13 Tahun 2020tentang Pemulihan Ekonomi Nasional dan tanggung jawab bank yang berpartisipasiterhadap dana pemerintah yang dititipkan. Penelitian hukum ini merupakanpenelitian hukum normatif atau library legal research, sifat penelitian yangdilakukan oleh peneliti merupakan penelitian deskriptif. Jenis data yang dipakaiterdiri dari data primer dan data sekunder. Teknik analisis data yang digunakandalam penelitian hukum ini dengan wawancara dan studi kepustakaan. Teknikanalisis data yang digunakan dalam penelitian hukum ini menggunakan teknik analisis data kualtitatif dengan metode analisis deduktif. Hasil dari penelitian menunjukan bahwa penerapan prinsip kehati-hatian pada bank yang menjadi mitra dalam program PEN terus dilakukan dengan sedikit kelonggaran kepatuhan bank mitra akan prinsip kehati-hatian menjaga dana pemerintah dan dapat tersalurkan dengan baik.
ANALISIS YURIDIS PENYALAHGUNAAN KEADAAN (MISBRUIK VAN OMSANDIGHEDEN) SEBAGAI ALASAN PEMBATALAN PERJANJIAN JUAL BELI (STUDI KASUS DALAM PUTUSAN PENGADILAN NEGERI SUKOHARJO NOMOR 19/Pdt.G/2015/PN Skh) Umarsyah, Umarsyah; Pujiyono, Pujiyono
Jurnal Privat Law Vol 14, No 1 (2026): JANUARI - JUNI
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v14i1.58769

Abstract

This article describes and examines the problems, first, what are the indicators of abuse of circumstances in a sale and purchase agreement. Second, how is the judge's consideration in deciding the sale and purchase agreement which contains elements of acts of abuse of circumstances in the Sukoharjo District Court Decision Number 19/Pdt.G/2015/PN Skh. This article is a normative legal research. The nature of this article is prescriptive using a statutory approach and a conceptual approach. This article uses literature study by collecting primary legal materials and secondary legal materials. The results of data collection were then analyzed using the deductive syllogism method. The results show that the indicators of abuse of circumstances in the sale and purchase agreement are divided into 3 (three) aspects, namely the first in terms of the position of the parties in the contractual phase, the second in terms of the formulation of the agreement, and the third in the aspect of morality. Misuse of conditions in the sale and purchase agreement as a new will has not been clearly regulated in the Civil Code. However, in practice the teaching of abuse of circumstances (misbruik van omstandigheden) contained in the Supreme Court Decision Number 2356 K/Pdt/2008 can be used by judges in the Sukoharjo District Court Decision Number 19/Pdt.G/2015/PN Skh as a reason for canceling the agreement. other than the defects of will that have been regulated in the Indonesian Civil Code, namely coercion (dwang), oversight (dwaling), and fraud (bedrog).
PENERAPAN PERATURAN OTORITAS JASA KEUANGAN NO.1/POJK.07/2013 UNTUK MELINDUNGI NASABAH LAYANAN PINJAM MEMINJAM PERUSAHAAN FINTECH DARI KERUGIAN PADA MASA PANDEMI COVID-19 Zulkifli, Muhammad; Pujiyono, Pujiyono
Jurnal Privat Law Vol 13, No 2 (2025): JULI-DESEMBER
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v13i2.52962

Abstract

Artikel ini mengkaji permasalahan yang dihadapi oleh nasabah layanan pinjam meminjam perusahaan financial technology yang tidak bisa melunasi pinjaman tepat waktu pada masa pandemic covid-19. Penelitian yang bersifat preskriptif ini menggunakan pendekatan perundang-undangan (statue approach) dengan bahan hukum yang bersumber dari bahan hukum primer, bahan hukum sekunder, dan bahan hukum tersier. Pengumpulan bahan hukum dilakukan dengan studi kepustakaan dan dianalisis menggunakan metode silogisme beserta pola pikir deduktif. Kesimpulan akhir dari penelitian ini adalah Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 yang mengatur mengenai pinjam meminjam uang berbasis financial technology dalam tugasnya memberikan perlindungan terhadap konsumen ataupun masyarakat, diberikan sebuah kewenangan bagi OJK untuk melakukan tindakan pencegahan yang berujung pada kerugian dari konsumen pengguna layanan jasa keuangan. OJK sebagai suatu lembaga yang memiliki kewenangan untuk mengatur dan mengawasi lembaga pembiayaan harus mampu berpedoman dengan cita hukum, yaitu kepastian, kemanfaatan, dan keadilan hukum agar keberadaan dari peer to peer lending dalam financial technology mampu bersaing ditengah maraknya bisnis berbasis teknologi saat ini. 
Co-Authors Achmad Achmad Ade Adhari Agung Andiojaya Agung Andiojaya Agusta, Evelin Nur Agustiawan, M. Hendri Ahmad Ridwan, Nur Almira Rahma, Ardita Anis Widyawati Aprilia, Indah Siti Ardi, Muhammad Khalif Arief Suryono Arifin, Alif Wisuda Aryani, Fajar Dian Aulia Syifa Sjamhars Bahagia, Helarion Gema Barda Nawawi Arief Bhakti, Rizky Atswari Cahya Wulandari Claudia, Natasya Debora Natalia Sudjito Dwi Maryono Edy Suprapto Edy Suprapto Encep, Encep Fernando, Zico Junius Hardiani, Putri Ikhsan Ikhsan Irawan, Chandra Noviardy Irma Cahyaningtyas, Irma Jamal Wiwoho Jaya, I Nyoman Serikat Putra Khamami Zada Kholdaa, Madya Cinta Kristiani Kristiani Kukuh Tejomurti, Kukuh Mahardika, Sylvester Enricho Mara Sutan Rambe Mardiana - Maria Silvya E. Wangga Marmi Sudarmi Muchlas Rastra Samara Muksin Muhammad Ishar Helmi, Muhammad Ishar Muhammad Zulkifli, Muhammad Mulyanto Mulyanto Nabitatus Sa'adah Najlalinka, Zahrafhia Ndraha, Agung Silwanus Nugroho, Sofyan Nur Rochaeti Nur Rochaeti, Nur Pati, Umi Khaerah Prabawani, Riski Dysas Pranoto Pranoto Priscilia, Erika Pujiyono Pujiyono Pulungan, Muhammad Al Faisal Putra Jaya, Nyoman Serikat Putra, Aista Wisnu Putra, Risqi Perdana Putra, Yagie Sagita Putrajaya, Nyoman Serikat Raharjo, Prasetyo Rani Tiyas Budiyanti Redita Suryadarma, Fatika Rian Saputra Roikardi, Dodi Roy Rovalino Herudiansyah Sa'adah, Nabitatus Sahid, Mualimin Mochammad Saptanti, Noor Saputra, Andika Oktavian Savitri, Lestari Dewi Sembiring, Rya Elita Br Shidarta Shidarta Sidharta, Sidharta Slamet Subiyantoro Solikah, Mar’atus St Syarifah Sulistyo, Edhei Sunny Ummul Firdaus Supeno, Bambang Joyo Suranto Suranto Suryani, Leony Sondang Toha, Syarief Tuhana Tuhana Umarsyah, Umarsyah Umi Rozah Wicaksono, Adi Hardiyanto Windraswara, Juniardi Yasin Surya Wijaya Yunus Husein Yunus Husein