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All Journal Lentera Hukum Unifikasi: Jurnal Ilmu Hukum Arena Hukum Jurnal Hukum Novelty Jurnal Hukum IUS QUIA IUSTUM Journal of Indonesian Law (JIL) Hang Tuah Law Journal Jurnal Hukum dan Etika Kesehatan (JHEK)
Nikmah Mentari
Fakultas Hukum, Universitas Hang Tuah Surabaya
Environmental Science Law, Crime, Criminology & Criminal Justice

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 1 
Risk Mitigation of Disease Pandemic in the Indonesian Banking Industry: In Response to COVID-19 Nikmah Mentari; Uni Tsulasi Putri
Lentera Hukum Vol 7 No 3 (2020): LENTERA HUKUM
Publisher : University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejlh.v7i3.20146

Abstract

As an intermediary institution, the banking industry plays a critical function in the economy. Unpredictable conditions such as disease pandemic, exemplified from the unprecedented COVID-19 outbreak, result in loss to the banking industry due to the weakening of the national economy. In the future, then, the banking industry requires early preventive action for a similar case through specific risk mitigation towards disease pandemic. This paper aims to discuss the urgency of the risk mitigation towards the pandemic in the banking industry, following the risk mitigation scheme in facing the pandemic with its relevant regulation. This paper shows that the pandemic's responsive risk mitigation has become essential to strengthen the banking’s intermediary function and performance during the pandemic. The existing risk mitigation regulation solely relates to the non-performing loan in normal conditions. In the meantime, disease pandemic like COVID-19 is excluded because it is beyond the normal situation. Its adverse impact has leveraged more significant extent due to emergency conditions. In case of a disease pandemic, the bank can soon take early preventive action before the pandemic strikes within the domestic territory without waiting for central government-specific regulation, but it should. However, it remains practiced under the relevant laws. KEYWORDS: Risk Mitigation, Disease Pandemic, COVID-19, Banking Industry, Indonesia.
Kepailitan Terhadap Anak Perusahaan dalam Holding Company Badan Usaha Milik Negara Chintya Dewi Restyana S; Nikmah Mentari; Sri Eka Wulandari
Jurnal Hukum IUS QUIA IUSTUM Vol. 26 No. 2: MEI 2019
Publisher : Fakultas Hukum Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/iustum.vol26.iss2.art7

Abstract

Bankruptcy is a risk that can occur to both a subsidiary or a parent company in a state-owned holding enterprise. It is not a trivial matter for the state-owned holding company if its subsidiary suffers from bankruptcy, considering the position of the subsidiary and the parent company are separated, yet in some cases, the subsidiary is instead treated equally as a state-owned enterprise. The first issue would be, what is the legal relationship between the parent company and its subsidiary in the state-owned holding company; and second, how is the responsibility towards the bankrupted subsidiary. This research uses the normative juridical method. In which, it is concluded that first, as separate and independent entities, both the parent company and its subsidiary are restricted by the nature of separate legal entities and limited liabilities in carrying out their respective activities, even though they are bound under the same holding company. Second, the bankruptcy of a subsidiary of the state-owned holding company can occur and the responsibility of the parent company is limited to the shares that it owns, and if it is discovered that in its financial management, the parent company contribute in the bankruptcy of the subsidiary, then the responsibilities can expand.
Keterbukaan Informasi Sebagai Mitigasi Risiko Peer To Peer Lending (Perbandingan Antara Indonesia Dan Amerika Serikat) Inda Rahadiyan; Nikmah Mentari
Jurnal Hukum IUS QUIA IUSTUM Vol. 28 No. 2: MEI 2021
Publisher : Fakultas Hukum Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/iustum.vol28.iss2.art5

Abstract

The development of peer to peer lending (P2PL) in Indonesia will always be followed by the formation of the latest regulations. However, the existing regulations do not sufficiently regulate the disclosure of information. On the other hand, in the United States as the country with the largest P2PL, information disclosure is a major part in the implementation of P2PL. The approaches used in this research are a conceptual approach, a statutory approach, and a comparative law approach. The results conclude that obtained are that the regulation regarding P2PL does have an obligation to disclose information, but the regulation is not comprehensive because it is exclusive and limited. In fact, the disclosure of information can be a part of risk mitigation in P2PL, for example, minimizing the risk of problem loans. Meanwhile, in the United States, through the Security Exchange Commission (SEC) and the Consumer Financial Protection Bureau (CFPB), detailed and periodic information disclosure is available. So that both prospective borrowers and potential lenders can consider the risks and capabilities of each party more before making transactions in P2PL. This then can be one of the risk mitigation for P2PL in the United States.
Sustainable Development Goals (SDGs) Principle Towards Sharia Business Unit Pre-Spin Off 2023 Nikmah Mentari; Franciska Mifanyira Sutikno
UNIFIKASI : Jurnal Ilmu Hukum Vol 6, No 2 (2019)
Publisher : Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/unifikasi.v6i2.1866

Abstract

AbstractThe existence of a Sharia Business Unit will be ended in 2023 due to the mandate of the Sharia Banking Act which requires a spin-off. Therefore, the Sharia Business Unit will become an independent Sharia Bank. As part of the parent bank, it is should for the conventional bank to prepare the readiness of  Sharia Business Unit before spin-off so that it can compete in the global era based on the SDGs principle and still maintain the sharia compliance. The method applied is normative juridical, which relates to the prevailing norms and legal principles. The outputs are produced by focusing the objectives on SDGs goals which are correlated with Sharia Banking and Good Corporate Governance principles of Sharia Business Unit with Conventional Bank.Keywords: Coventional Bank, SDGs, Sharia Business Unit, Spin Off Prinsip Tujuan Pembangunan Berkelanjutan Menuju Pre-Spin Off Unit Bisnis Syariah 2023Abstrak Keberadaan Unit Usaha Syariah akan berakhir pada tahun 2023 berdasarkan amanah Undang-Undang Perbankan Syariah yang mensyaratkan adanya spin-off. Oleh karena itu, Unit Usaha Syariah akan menjadi Bank Umum Syariah yang mandiri. Sebagai bagian dari induk bank, Bank Konvensional seharusnya menyiapkan Unit Usaha Syariah sebelum terjadinya spin-off sehingga Unit Usaha Syariah dapat bersaing di era global berdasarkan prinsip SDGs dan tetap mempertahankan kepatuhan syariah. Metode penelitian ini yakni normatif-yuridis yang berhubungan dengan norma dan prinsip hukum. Hasil yang diperoleh berfokus pada sasaran tujuan SDGs yang berhubungan dengan Perbankan Syariah dan prinsip Tata Kelola Perusahaan yang Baik pada Unit Usaha Syariah dengan Bank Konvensianal.Kata Kunci : Bank Konvensional, SDGs, Unit Usaha Syariah, Spin-off
DISGORGEMENT (FUND): A NEW ERA OF INVESTOR PROTECTION IN THE CAPITAL MARKET Nikmah Mentari
JIL : Journal of Indonesian Law Vol 2, No 1 (2021)
Publisher : State Institute of Islamic Studies (IAIN) Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/jil.v2i1.106-124

Abstract

Violations in the capital market often harm investors. Despite administrative and criminal sanctions, the losses suffered by investors are not recoverable. If an investor wants to make a collection or claim for compensation, they must go through a civil suit that takes time, cost and energy. This causes a crisis of confidence in investment in the capital market due to the lack of legal protection. Therefore, the return of profits received illegally must be returned which is called disgorgement. Disgorgement is a legal protection for investors in the capital market that significantly impacts the return of compensation. This paper uses normative legal research with a statutory and conceptual approach. The results obtained that the importance of legal protection for investors will affect the existence of the capital market itself. Through disgorgement, investors will feel protected by their interests, thus creating justice. The existence of justice for investors as victims is the goal of legal protection itself.
The Legal Perspective of Blockchain’s Potential Use for Sharia Banking Institutions in Indonesia Uni Tsulasi Putri; Nikmah Mentari
Hang Tuah Law Journal VOLUME 6 ISSUE 1, APRIL 2022
Publisher : Fakultas Hukum Universitas Hang Tuah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30649/htlj.v6i1.68

Abstract

In nowadays era, sharia banking shall face many challenges. Sharia banking shall be able to create innovation and disruption to avoid being eroded by current development. Blockchain is one of the technology disruptions. It may potentially applicable within sharia finance industry including sharia banking, outside its use related to the sale and purchase of crypto asset. This research discusses on how to use blockchain technologi for the development of sharia banking as well as on what are the opportunity and challenges in applying blockchain for sharia banking in Indonesia. This is a normative legal research with using descriptive-qualitative data analysis method. Data in this research is secondary data which consist of primary legal sources and secondary legal sources. The former are laws and regulations related to blockchain and sharia banking. The latter are books, academic writings, journals and other primary-source-explanatory documents. The results in this research show that sharia finance industry especially banking can utilize blockchain such as by using its smart contract, for the collection of zakat, improvement of waqf utility, effective and efficient halal supply chain. The opportunity of blockchain are there have been OJK and BI regulation concerning blockchain in certain area, support of blockchain development manifested in Sharia Economic Masterplan, demographic bonus in Indonesia, the use of smart contract, the use of blockchain for supporting halal supply chain, zakat collection, waqf utility, as well as the security guarantee in minimalizing fraud risk. Among others, the challenges blockchain shall face are, the policy and regulations of blockchain are still limited to only in some sectors such as payment and equity crowdfunding, there is no fatwa from MUI (Indonesian Ulema Board) regarding the use of blockchain for sharia economic activities, and the complexity of blockchain.
Tanggung Gugat Terhadap Penyalahgunaan Hak Guna Usaha pada Lahan Perkebunan Rachman Maulana Kafrawi; Bambang Ariyanto; Nikmah Mentari
Jurnal Hukum IUS QUIA IUSTUM Vol. 29 No. 3: SEPTEMBER 2022
Publisher : Fakultas Hukum Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/iustum.vol29.iss3.art8

Abstract

Misperceptions or misconceptions on the importance of land in people's lives by turning land into an economic commodity have triggered social conflicts, one of the most prominent problems in the land sector lately is social conflict over plantation land. The problems studied in this research are how is the mechanism for the permit of Cultivation Rights (Hak Guna Usaha, HGU) on plantation land and how to hold accountability for the use of plantation land outside the Cultivation Right. The method used is normative juridical by using normative analysis methods. The results of this study conclude that land misuse often occurs because of overlapping land ownership and the acquisition of the land has not been completed in the granting of the Cultivation Rights. Holders of Cultivation Rights often ignore their obligations, causing disputes that are detrimental to other parties. So that the holder of the Cultivation Right is responsible for everything he does that causes harm to other parties. Key Words: Accountability; abuse; cultivation rights; plantation land Abstrak Pemahaman atau persepsi yang keliru terhadap arti pentingnya tanah dalam kehidupan masyarakat dengan memanfaatkan tanah sebagai komoditi ekonomi semata, telah memicu konflik sosial, salah satu permasalahan di bidang pertanahan yang menonjol akhir-akhir ini adalah konflik sosial di atas tanah perkebunan. Permasalahan yang akan dikaji ialah mengenai bagaimana mekanisme izin Hak Guna Usaha (HGU) atas lahan perkebunan serta bagaimana tanggung gugat atas penggunaan lahan perkebunan diluar Hak Guna Usaha. Metode penelitian yang digunakan yuridis normatif dengan menggunakan metode analisis normatif. Hasil dari penelitian ini menyimpulkan penyalahgunaan tanah sering terjadi karena adanya tumpang tindih kepemilikan tanah juga pembebasan/perolehan tanah belum tuntas dalam pemberian Hak Guna Usaha. Pemegang Hak Guna Usaha seringkali menghiraukan kewajiban-kewajibannya sehingga menimbulkan sengketa yang merugikan pihak lain. Sehingga pemegang Hak Guna Usaha tersebut bertanggung gugat atas segala hal yang dilakukannya yang menimbulkan kerugian bagi pihak lain. Kata-kata Kunci: Tanggung gugat; penyalahgunaan; hak guna usaha; lahan perkebunan
PERTANGGUNGJAWABAN INDIVIDU ATAS GANTI RUGI DISGORGEMENT YANG MELIBATKAN EMITEN Nikmah Mentari
Arena Hukum Vol. 13 No. 3 (2020)
Publisher : Arena Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.arenahukum.2020.01303.6

Abstract

AbstractThe Financial Services Authority (OJK) launched a discourse by issuing an RPOJK regarding the Disgorgement and Disgorgement Fund. The parties that can be subject to disgorgement are the perpetrators of the violations themselves, including the Issuer as a public limited liability company. However, if the Issuer commits a violation, it is reasonable for the order to be addressed to the in persona (private individual), considering the Issuer is an artificial person who has no will and cannot have a will without the party carrying out behind the scenes. Directors, Commissioners and major shareholders (controllers) are parties who are allowed to commit violations and at the same time enjoy illegal profits from the violation. However, affiliated parties may commit violations involving the Issuer, so if there is an illegal profit, those who enjoy the benefit should be obliged to compensate the disgorgement. The issuer as a public limited liability company has also received administrative sanctions by both the OJK and the stock exchange. It is very unfair for the Issuer to be responsible for paying disgorgement compensation.AbstrakOtoritas Jasa Keuangan (OJK) meluncurkan wacana dengan mengeluarkan RPOJK tentang Disgorgement dan Disgorgement Fund. Para pihak yang dapat dikenakan disgorgement adalah pelaku pelanggaran itu sendiri, termasuk Emiten selaku perseroan terbatas terbuka. Akan tetapi, apabila Emiten melakukan pelanggaran, sewajarnya perintah tersebut ditujukan pada pelaku in persona (individu pribadi), mengingat Emiten sebagai artificial person yang tidak memiliki kehendak dan tidak dapat berkehendak tanpa pihak yang menjalankan di balik layar. Direksi, Komisaris dan pemegang saham utama (pengendali) merupakan pihak yang mungkin melakukan pelanggaran sekaligus menikmati keuntungan ilegal dari pelanggaran tersebut. Namun, pihak terafiliasi mungkin melakukan pelanggaran yang melibatkan Emiten, sehingga apabila terdapat keuntugan ilegal, seharusnya yang menikmati keuntungan tersebut yang diwajibkan mengganti rugi disgorgement. Emiten sebagai perseroan terbatas terbuka juga telah menerima sanksi administratif baik oleh OJK maupun bursa efek. Sangat tidak adil bagi Emiten bila harus bertanggung jawab membayar ganti rugi disgorgement. 
Legal Protection of HARA Platform Users on the Service of Electronic Data Interchange Nikmah Mentari; Ninis Nugraheni; Muhammad Annas
Jurnal Hukum Novelty Vol 14, No 1 (2023)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26555/novelty.v14i1.a25547

Abstract

Introduction to the Problem: The digital era of technology has cut the role of third parties and made it easier for services to be run peer-to-peer; where parties can connect directly at a business scale. Business relations is always accompanied by contracts. However, nowadays conventional contracts have undergone disruption with the existence of blockchain technology. A smart contract is a contract model that uses technology that can execute the contents of the contract automatically. The existence of this technological sophistication also has implications for the exchange of data, particularly personal data. Personal data can be easily accessed through the data exchange process, but it is feared that data misuse will occur. In order to prevent the Electronic Data Interchange of personal data using this technology, data must be protected.Purpose/Objective Study: This study aims to examine the legal protection of users of the HARA platform who use smart contracts in electronic data interchange services.Design/Methodology/Approach: This research is normative juridical research with statutory and conceptual approaches.Findings: In this case, the protection includes preventive and repressive protection. Preventively through legislation with the presence of laws on ITE and laws on Personal Data Protection as well as internal regulation of platform providers, while repressively lawsuits can be carried out through litigation and non-litigation channels.Paper Type: Research Article
Perlindungan Modal Investor Dalam Penyelenggaraan Indonesia Securities Investor Protection Fund (Indonesia SIPF) Nikmah Mentari
Jurnal Hukum dan Etika Kesehatan VOLUME 3 NOMOR 1
Publisher : Faculty of Law- Hang Tuah University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30649/jhek.v3i1.109

Abstract

Perlindungan investor di pasar modal berfokus pada perlindungan atas dana, aset maupun modal yang telah disetorkan. Hal ini mengingat pentingnya menjaga kepercayaan atas investor yang memberi amanah pada lembaga pasar modal. Penelitian ini bertujuan untuk mengkaji lebih dalam mengenai perlindungan modal investor dalam penyelenggaraan Indonesia Securities Investor Protection. Metode yang digunakan dalam penelitian ini ialah yuridis normatif dengan pendekatan perundang-undangan (statute approach) dan pendekatan konseptual (conceptual approach). Indonesia SIPF diselenggarakan oleh PT Penyelenggara Program Perlindungan Investor Efek Indonesia (P3IEI). Dana yang hilang bagi pemilik Single Investor Identification (SID) yang diitempatkan pada Perantara Pedagang Efek (PPE) atau Bank Kustodian dapat direcovery selama kedua pihak tersebut termasuk ke dalam Anggota DPP.  Selain itu terdapat tahapan teknis yang harus dilakukan oleh investor untuk mengajukan klaim atas kehilangan dananya. Di Amerika Serikat, perlindungan dana Investor melalui Securities Investor Protection Corporation (SIPC). cakupan SIPC tersedia dalam dua jenis situasi yang berbeda yakni perusahaan yang insolvent (tidak mampu bayar) atau perusahaan bangkrut (pailit).
Co-Authors Bambang Ariyanto Chintya Dewi Restyana S Franciska Mifanyira Sutikno Inda Rahadiyan, Inda Muhammad Annas Ninis Nugraheni Rachman Maulana Kafrawi Sri Eka Wulandari Uni Tsulasi Putri