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Klausula Baku Dalam Pembukaan Rekening Tabungan Nasabah PT. Bank Mandiri (Persero) Tbk Kota Banda Aceh Adella Yuana; Sri Walny Rahayu
Jurnal Ilmiah Mahasiswa Bidang Hukum Keperdataan Vol 2, No 4: November 2018
Publisher : Fakultas Hukum Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (248.424 KB)

Abstract

Penelitian ini bertujuan untuk mengetahui pelaksanaan klausula baku dalam pembukaan rekening Mandiri TabunganKu pada PT Bank Mandiri dan upaya penyelesaian yang dapat ditempuh nasabah yang dirugikan karena klausula baku dalam pembukaan rekening PT Bank Mandiri. Penelitian ini menggunakan penelitian hukum normatif melalui penelitian terhadap asas hukum. Data yang digunakan dalam penelitian ini adalah data sekunder dan primer. Data sekunder diperoleh dari penelitian kepustakaan dengan mempelajari bahan hukum primer, bahan hukum sekunder, dan bahan hukum tersier. Data primer diperoleh melalui penelitian lapangan untuk mendukung data sekunder. Hasil penelitian menunjukkan bahwa penggunaan klausula baku pembukaan rekening Mandiri TabunganKu pada PT Bank Mandiri bertentangan dengan Pasal 1320 ayat (4) KUH Perdata mengenai suatu sebab yang halal, jo Pasal 1338 ayat (3) KUH Perdata tentang iktikad baik, jo Pasal 1337 KUH Perdata mengenai suatu sebab adalah terlarang apabila bertentangan antar lain dengan undang-undang,jo Pasal 1339 KUH Perdata ditegaskan suatu perjanjian dalam hal ini seharusnya sifat klausula baku berdasarkan kepatutan, kebiasaan, dan undang-undang. Klausula baku pembukaan rekening PTBank Mandiri juga bertentangan dengan Pasal 18 ayat (1) huruf g UU No.8 Tahun 1999,Pasal 22 ayat (3) huruf f Peraturan OJK No.1/POJK.07/2013 dan Pasal 8 ayat (1)huruf d PBI No.16/1/PBI/2014. Upaya penyelesaian yang ditempuh nasabah yang dirugikan dengan cara melakukan pengaduan nasabah dan menggunakan forum negosiasi antara bank dan nasabah, atau nasabah dapat melakukan pengaduan kepada Otoritas Jasa Keuangan sebagai lembaga independen dan bebas dari campur tangan pihak lain, dengan menggunakan jalur non litigasi yaitu mediasi antara nasabah dengan bank. Diharapkan PT Bank Mandiri memperhatikan ketentuan peraturan perundang-undangan dalam KUH Perdata dan UU No.8 Tahun 1999, Peraturan OJK No1 / POJK.07 / 2013 dan PBI No.16 / 1 / PBI / 2014 dalam menerapkan klausula baku mengenai pembukaan rekening tabungan bagi calon nasabah. Diharapkan OJK melaksanakan tugas pengawasannya kepada bank-bank menggunakan klausula baku.
Konflik Hukum Perkawinan Beda Agama di Indonesia (Studi Penetapan Hakim Nomor: 12/Pdt.P/2022/Pn Ptk) Adella Yuana; Ilka Sandela
Ius Civile: Refleksi Penegakan Hukum dan Keadilan Vol 6, No 2 (2022): Oktober
Publisher : Prodi Ilmu Hukum, Universitas Teuku Umar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35308/jic.v6i2.6123

Abstract

Article 1 of Law Number 1 of 1974 concerning Marriage (hereinafter referred to as the Marriage Law) which states "Marriage is an inner and outer bond between a man and a woman as husband and wife with the aim of forming a happy and eternal family (household) based on the One Godhead. Almighty". Creating physical and spiritual bonds in forming a marriage must meet the terms and conditions. Fulfillment of these terms and conditions aims to ensure that a marriage is considered valid both religiously and stately. Article 2 paragraph (1) of the Marriage Law states that "Marriage is legal, if it is carried out according to the laws of each religion and belief". In particular, Article 40 letter c of the Compilation of Islamic Law prohibits interfaith marriages in Islam. In the case with the Judge's Determination Number: 12/Pdt.P/2022/PN Ptk, the request was granted by the judge to be recorded at the Population and Civil Registry Office. This incident created legal conflicts and uncertainty over the norms of interfaith marriages. The purpose of this study is to identify and analyze legal conflicts and legal certainty of interfaith marriages in Indonesia through case studies. The research method used in this research is normative juridical. The result of this research is invalid based on Article 40 letter c of the Compilation of Islamic Law. Indonesian Positive Law regulates a legal marriage if it is in accordance with Article 2 paragraph (1) of the Marriage Law. Based on religion and belief, Islam clearly prohibits interfaith marriages. The judge in this case handed down the determination based on the norms of Article 35 of Law Number 23 of 2006 concerning Population Administration which opens the opportunity for interfaith marriages to be recorded at the Population and Civil Registry Office. The occurrence of conflicting norms for interfaith marriages in Indonesia results in the uncertainty of marriage law in its regulations.
Penyuluhan Hukum Penyelesaian Perselisihan Dalam Rumah Tangga Melalui Peradilan Adat Aceh Di Kabupaten Nagan Raya Adella Yuana; Dara Quthni Effida; Ilka Sandela; Nila Trisna; Putri Kemala Sari
AIWADTHU: Jurnal Pengabdian Hukum Volume 3 Nomor 2, September 2023
Publisher : Faculty of Law Pattimura University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47268/aiwadthu.v3i2.1714

Abstract

Introduction: The domestic dispute in Nagan Raya Regency have become a serious problem, as the number of such cases remains high every year. Qanun Number 9 of 2008 converning The Development of Customery and Traditional Life regulates domestic dispute that can be resolved through customary in Nagan Raya Regency takes into consideration the lack of information related to this matterPurposes of Devotion: The purpose of the research providing a legal understanding of dispute resolution in domestic affairs through customary court based on Qanun Number 9 of 2008 concerning The Development of Customery and Traditional LifeMethod of Devotion: The method used id legal counseling to the community of Gampong Bumi Sari, Nagan Raya Regency, through panel discussions where speakers present the material and then continue with question and answer session between the speakers and participantsResults of the Devotion: Qanun Number 9 of 2008 concerning The Development of Customery and Traditional Life regulates dispute within households that can be resolver through Indigenous Judiciary. Its implementation prioritizes peace and balance to achieve a sense of justice for all parties involved. The high number of disputes within household in Nagan Raya Regency is attributed to the lack of awareness many communities, especially in Gampong Bumi Sari, about this law, and the mistrust of the Indigenous Judiciary, which is feared to provide subjective decisions. Preventive efforts to reduce the number of disputes are being carried out, including legal education activities that must be conducted continuously.
Sosialisasi Pembukuan Sederhana pada Kelompok Tani Hikmah Desa Pegasing Kabupaten Aceh Tengah Risnafitri, Hafizhah; Yuana, Adella
Medani : Jurnal Pengabdian Masyarakat Vol. 2 No. 3 (2023): Desember 2023
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jpm.v2i3.367

Abstract

Tujuan pelaksanaan pengabdian masyarakat berupa sosialisasi pembukuan sederhana adalah untuk meningkatkan pengetahuan dan keterampilan dalam pencatatan dan pembukuan keuangan sederhana Kelompok Tani Hikmah. Metode yang digunakan dalam kegiatan ini adalah penyuluhan atau sosialisasi kepada anggota kelompok Tani Hikmah terkait pentingnya pencatatan dan pembukuan keuangan sederhana.Kegiatan pengabdian ini diikuti oleh 20 peserta yang merupakan anggota Kelompok Tani Hikmah, Desa Pegasing, Aceh Tengah. Hasil yang didapat dengan adanya kegiatan pengabdian masyarakat ini adalah anggota Kelompok Tani Hikmah telah memahami penerapan ilmu akuntansi melalui pembukuan sederhana dan mengetahui pentingnya memisahkan antara keuangan rumah tangga dengan keuangan pengelolaan pertanian.
Penyuluhan Literasi Keuangan dalam Upaya Optimalisasi Pengelolaan Keuangan Petani di Desa Pegasing Aceh Tengah Risnafitri, Hafizhah; Yuana, Adella
JURNAL PENGABDIAN MASYARAKAT AKADEMISI Vol. 2 No. 3 (2024): Juli
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jpma.v2i3.876

Abstract

Tingkat kesejahteraan petani masih rendah, terlihat dari rendahnya pendapatan dan ketidakpastian pendapatan yang diperoleh petani. Permasalahan keuangan timbul akibat dari tidak terencananya keuangan dengan baik. Tujuan kegiatan pengabdian ini memberikan penyuluhan terkait literasi keuangan pada para petani yang berada di Desa Pegasing Aceh Tengah. Metode pengabdian yaitu ceramah dan tanya jawab. Hasil kegiatan ini adalah meningkatkan pengetahuan dan wawasan petani terkait literasi keuangan yang akan berdampak positif bagi peningkatan kesejahteraan petani.
PENYULUHAN HUKUM TENTANG DAMPAK BULLYING DAN ANTISIPASINYA BAGI REMAJA DESA TARUNA KABUPATEN ACEH BARAT YUANA, ADELLA; Risnafitri, Hafizhah
Jurnal Pengabdian Ruang Hukum Vol 3, No 2 (2024): JULI
Publisher : Universitas Muhammadiyah Mataram

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Abstract

Undang-undang Nomor 35 Tahun 2014 tentang Perubahan Atas Undang-undang Nomnor 23 Tahun 2002 Tentang Perlindungan Anak mengatur perlunya pemberatan sanksi pidana dan denda bagi pelaku kejahatan terhadap anak untuk memberikan efek jera serta mendorong adanya langkah konkret untuk memulihkan kembali fisik, psikis dan sosial anak. Ketentuan ini menjelaskan pentingnya perlindungan anak terhadap perilaku bullying yang memilki dampak besar bagi masa depan korban. Bullying yang artinya adalah tindakan pengunaan kekuasaan untuk menyakiti seseorang atau sekelompok orang baik secara verbal, fisik, maupun psokologis sehingga korban merasa tertekan, trauma, dan tidak berdaya. Langkah yang dapat dilakukan ialah dengan melakukan beberapa tahapan pencegahan mulai dari lingkungan keluarga sampai kepada masyarakat. Lebih lanjut pembentukan komunitas yang peduli terhadap isu ini Barat menjadi salah satu upaya pencegahan terhadap perilaku bullying.Penyuluhan hukum ini dilaksanakan di Desa Taruna Kabupaten Aceh Barat. Tujuannnya adalah untuk memberikan Pengetahuan dan Pemahaman kepada Masyarakat lebih khusus kepada remaja dan anak-anak di desa tersebut pentingnya pemahaman terhadap pencegahan perilaku bullying. Metode Penyuluhan yang digunakan yaitu dalam bentuk ceramah dan Tanya jawab. Peserta memahami dan mengetahui betapa pentingnya pencegahan perilaku bullying selanjutnya Peserta juga memahami dan mengetahui antisipasinya.
Pengaturan Sertifikasi Halal bagi Rumah Pemotongan Hewan (RPH) di Indonesia Sandela, Ilka; Yuana, Adella; Sari, Putri Kemala
Ius Civile: Refleksi Penegakan Hukum dan Keadilan Vol 7, No 2 (2023): Oktober
Publisher : Prodi Ilmu Hukum, Universitas Teuku Umar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35308/jic.v7i1.8451

Abstract

Halal certification is a series of processes that must be fulfilled by slaughterhouses. The aim is to provide comfort, security, safety and certainty of the availability of halal meat for the community, as well as increasing added value for business actors to produce and sell halal meat products. This research examines the provisions regarding halal certification rules for slaughterhouses in Indonesia, the halal certification mechanism and the consequences for slaughterhouses that are not halal certified. The research method used is the normative juridical method, namely research that focuses on legal norms contained in statutory regulations. The research results show that the provisions for halal certification for slaughterhouses in Indonesia are regulated in Law Number 33 of 2014 concerning Halal Product Guarantees, Law Number 6 of 2023 concerning Determination of Government Regulations in Lieu of Law Number 2 of 2022 concerning Job Creation, Government Regulation Number 39 of 2021 concerning the Implementation of the Halal Product Guarantee Sector, Decree of the Minister of Religion Number 748 of 2021 concerning Types of Products that must be halal certified, and detailed guidelines are regulated in the Decree of the Head of the Halal Product Guarantee Organizing Agency Number 77 of 2023 concerning Guidelines for Implementing the Product Guarantee System Halal in Slaughtering Ruminants and Poultry. The halal certification mechanism consists of the manager or business operator of the slaughterhouse registering and attaching the required documents; BPJPH will examine the requirements that have been attached; Next, an audit and inspection of the product will be carried out, submitting the inspection results to the MUI for a fatwa to be issued; and issue a halal certificate if it passes the audit. The consequences for slaughterhouses that do not implement halal product guarantees are that they will receive administrative sanctions in the form of reprimands, written warnings and revocation of halal certificates for those who already have halal certificates. The author suggests that these consequences be added in the form of slaughterhouses that do not have a halal certificate not being allowed to operate and slaughtered meat being prohibited from circulating.
ASAS PENGAYOMAN DALAM SISTEM JAMINAN PRODUK HALAL DI KABUPATEN ACEH BARAT Yuana, Adella; Sandela, Ilka; Trisna, Nila
Al-Adl : Jurnal Hukum Vol 16, No 2 (2024)
Publisher : Fakultas Hukum, Universitas Islam Kalimantan Muhammad Arsyad Al Banjari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/al-adl.v16i2.13738

Abstract

Aceh Qanun No. 8/2016 on Halal Product Guarantee System is based on the principle of protection. The principle of protection is a function of the Government of Aceh to protect the lives of all people, not only Muslims, but all other religious communities. In this case, the Government of Aceh tries to provide a guarantee of legal certainty for products consumed by the community. Based on the data found, there are 94 MSMEs in West Aceh Regency, but only 30 MSMEs have halal certificates. Based on this, there are two problems, namely the implementation of the principle of protection in the halal product guarantee system and how the form of Local Government supervision of the halal product guarantee system in West Aceh Regency. The research method used is empirical juridical which produces descriptive data regarding the Principle of Protection in the Halal Product Guarantee System in West Aceh Regency. The result of the research found that the implementation of the principle of penayoman by the Government of Aceh to provide legal certainty guarantees for products consumed by the public has not been maximized. This can be seen from the number of Micro, Small and Medium Enterprises that do not have halal certificates that are still many. The application of the principle of protection that has not been maximised is also influenced by the supervision system that has not been maximised either. Supervision involves several institutions in the West Aceh District Government such as the Ministry of Religion and the Health Office. The main obstacle that occurs is the lack of funds allocated for this limited supervision so the supervision of halal products for Micro, Small and Medium Enterprises in West Aceh is not optimal