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All Journal Perspektif : Kajian Masalah Hukum dan Pembangunan Jurnal Hukum dan Pembangunan Ekonomi Privat Law International Journal of Law, Policy and Governance
Dona Budi Kharisma
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Agriculture, Biological Sciences & Forestry Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences

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TANTANGAN DAN HAMBATAN OTORITAS JASA KEUANGAN DALAM PENGAWASAN EQUITY CROWDFUNDING Zevanya Emmanuela Issubagyo; Dona Budi Kharisma
HUKUM PEMBANGUNAN EKONOMI Vol 7, No 2 (2019): JULI - DESEMBER
Publisher : Program Pascasarjana Fakultas Hukum Universitas Sebelas Maret Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/hpe.v7i2.43476

Abstract

AbstractThe purpose of this article is to determine the problems in the implementation of equity crowdfunding. This legal research uses descriptive empirical legal writing method by conducting a qualitative analysis of primary data and secondary data.. The result showed that there were obstacles inside the legal system as well as outside the legal system, including normative problems related to the Regulation of the Financial Services Authority Number 37/POJK.04/2018about Funding Services through Stock Offerings based on Information Technology (Equity Crowdfunding), and non-normative problems that includeculture, infrastructure, systems, and the limited knowledge of the community. Therefore, the government, especially the Financial Services Authority, should revise the Financial Services Authority Regulation regarding equity crowdfunding to be more optimal.Keywords: Problems; Otoritas Jasa Keuangan; Equity CrowdfundingAbstrakTujuan artikel ini untuk mengetahui problematika dalam pelaksanaan equity crowdfunding. Jenis  penelitian hukum ini adalah hukum empiris bersifat deskriptif, dengan analisis secara kualitatif pada data primer dan data sekunder. Hasil dalam penelitian ini adalah adanya hambatan dalam sistem hukum maupun di luar sistem hukum yang menghambat terlaksananya equity crowdfunding di Indonesia, diantaranya problematika normatif yang terdapat di dalam Peraturan Otoritas Jasa Keuangan Nomor 37/POJK.04/2018 tentang Layanan Urun Dana melalui Penawaran Saham Berbasis Teknologi Informasi (Equity Crowdfunding), dan problematika non normatif yang mencakup budaya, infrastruktur, sistem, dan keterbatasan pengetahuan masyarakat. Oleh karena itu, pemerintah khususnya Otoritas Jasa Keuangan seharusnya merevisi Peraturan Otoritas Jasa  Keuangan mengenai equity crowdfunding agar penyelenggaraan equity crowdfunding lebih  optimal.Kata Kunci: Problematika; Otoritas Jasa Keuangan; Equity Crowdfunding
PERANAN OTORITAS JASA KEUANGAN DALAM MEMBERIKAN PERLINDUNGAN HUKUM TERHADAP DATA PRIBADI NASABAH DALAM LAYANAN FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER LENDING Trinov Gira Thimoteus; Dona Budi Kharisma
Jurnal Privat Law Vol 9, No 2 (2021): JULI-DESEMBER
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v9i2.60037

Abstract

AbstractThis article aims to examine the efforts of the Financial Services Authority as a financial policy industry policy-making agency to provide legal protection in cases of legal violations of customer personal data in Peer to Peer Lending-based Financial Technology services and an analysis of legal problems regarding the protection of customers' personal data in Financial services Peer to Peer Lending based technology both in terms of form and its causes. This legal research is a descriptive empirical legal research, with a qualitative approach. Sources of data on research consists of primary data that is data obtained directly in the field with interviews at the Central Office Financial Services Authority precisely at the Directorate of Regulation, Licensing, and Financial Technology Supervision of related staff, then secondary data comes from reviewing official documents, books, research results which conclude that OJK provides legal protection to consumers implemented through the preventive role and repressive role of the OJK which focuses on Fintech Lending with legal and illegal legal entities based on the principles of consumer protection contained in in every regulation issued by the Financial Services Authority. Data collection techniques used are field studies and literature, then the data analysis technique used is to collect data then reduce or process data, produce data presentations and so conclusions or verification are taken.Keywords: Financial Services Authority; Personal Data Protection; Online Loans                                                                                                                                    AbstrakArtikel ini bertujuan untuk mengkaji upaya Otoritas Jasa Keuangan sebagai lembaga penyusun kebijakan industri jasa keuangan untuk memberikan perlindungan hukum dalam kasus pelanggaran hukum terhadap data pribadi nasabah dalam layanan Financial Technology berbasis Peer to Peer Lending serta melakukan analisis kepadaproblematika hukum yang terjadi terhadap perlindungan data pribadi nasabah dalam layanan Financial Technology berbasis Peer to Peer Lending baik itu dari segi bentuk maupun faktor penyebabnya. Penelitian hukum ini merupakan penelitian hukum empiris bersifat deskriptif, dengan pendekatan kualitatif. Sumber data pada penelitian terdiri dari data primer yakni data yang diperoleh secara langsung di lapangan dengan wawancara di Otoritas Jasa Keuangan Kantor Pusat tepatnya pada Direktorat Pengaturan, Perizinan, dan Pengawasan Financial Technology terhadap staff terkait, kemudian data sekunder berasal dari telaah dokumen-dokumen resmi, buku-buku, hasil penelitian yang menyimpulkan bahwa OJK memberikan perlindungan hukum terhadap konsumen diimplementasikan melalui peran preventif dan peran represif OJK yang berfokus pada Fintech Lending berbadan hukum legal maupun ilegal berasaskan prinsip perlindungan konsumen yang tertuang dalam setiap regulasi yang dikeluarkan oleh Otoritas Jasa Keuangan. Teknik pengumpulan data yang dilakukan adalah studi lapangan dan kepustakaan, selanjutnya teknik analisis data yang digunakan ialah dengan mengumpulkan data kemudian dilakukan reduksi atau pengolahan data, menghasilkan sajian data dan seterusnya diambil kesimpulan atau verifikasinya.Kata Kunci: Otoritas Jasa Keuangan; Perlindungan Data Pribadi; Pinjaman Online
PROBLEMATIKA IMPLEMENTASI STANDAR NASIONAL INDONESIA (SNI) WAJIB PADA MAINAN ANAK DI KOTA JAKARTA TIMUR Sari Tri Suprapto; Dona Budi Kharisma
Jurnal Privat Law Vol 8, No 2 (2020): JULI-DESEMBER
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v8i2.48413

Abstract

AbstractThis article aims to determine the factors that hinder the effectiveness of the application of the Indonesian National Standard (SNI) on children’s toys. The research methodology used is empirical research, whichis researching secondary data at first, then continuing research on primary data in the field or thecommunity. Legal research materials used are primary and secondary legal materials, the techniqueused in gathering legal materials is depth interviews and document studies or library materials. Theresults showed that there were factors that hindered the effectiveness of the implementation of the Indonesian National Standard (SNI), which was due to the community being indifferent or not paying attention to the importance of standardization in children’s toys besidesthe lack of merchant knowledgeto the importance of SNI in children’s toys.In the application of SNI, there are inhibiting factors, namelythe Law factor indicated by the absence of regional regulations governing mandatory SNI on children’stoys, law enforcement factors namely the lack of work ethic in law enforcement, facility and infrastructurefactorsare indicated by communication tools that do not yet support the role of law enforcers to maximizetheir performance, community factors many people who do not know the importance of SNI in children’stoys due to the lack of socialization they get, cultural factors are shown by the legal culture or immaturelegal habits of society so that the effectiveness of the mandatory forefront of SNI is not running optimally.Keywords: SNI; Children Toys; Effectiveness.AbstrakArtikel ini bertujuan untuk mengetahui faktor-faktor yang menjadi penghambat efektivitas penerapan Standar Nasional Indonesia (SNI) pada mainan anak. Metodologi penelitian yang digunakan adalahpenelitian empiris, yaitu meneliti data sekunder pada awalnya, untuk kemudian dilanjutkan penelitianterhadap data primer di lapangan atau terhadap masyarakat. Bahan penelitian hukum yang digunakanadalah bahan hukum primer dan sekunder, teknik yang digunakan dalam pengumpulan bahan hukumadalah depth interview dan studi dokumen atau bahan pustaka. Hasil penelitian menunjukkan terdapatfaktor yang menghambat efektivitas penerapan Standar Nasional Indonesia (SNI) yaitu dikarenakanmasyarakat acuh atau tidak memperhatikan betul pentingnya standardisasi pada mainan anak selainitu  kurangnya pengetahuan pedagang terkait pentingnya SNI pada mainan anak. Dalam penerapanSNI terdapat faktor-faktor yang menghambat yaitu faktor Undang-Undang ditunjukkan dengan belumadanya peraturan daerah yang mengatur tentang wajib SNI pada mainan anak, faktor penegak hukumyaitu masih kurangnya etos kerja pada penegak hukum, faktor sarana dan prasarana ditunjukkandengan alat komunikasi yang belum menunjang peranan penegak hukum untuk memaksimalkankinerjanya, faktor masyarakat yaitu banyak masyarakat yang belum mengetahui pentingnya SNI padamainan anak dikarenakan kurangnya sosialisasi yang mereka dapatkan, faktor kebudayaan ditunjukkandengan budaya hukum atau kebiasaan hukum masyarakat yang belum matang sehingga efektivitas penerapan wajib SNI tidak berjalan dengan maksimal. Kata Kunci: SNI; Mainan Anak; Efektivitas.
URGENSI ONLINE DISPUTE RESOLUTION SEBAGAI UPAYA PERLINDUNGAN HUKUM BAGI PENGGUNA FINANCIAL TECHNOLOGY DI INDONESIA Nadzya Tanazal E.Ar; Dona Budi Kharisma
Jurnal Privat Law Vol 9, No 2 (2021): JULI-DESEMBER
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v9i2.60048

Abstract

AbstractThis legal research the urgency of Online Dispute Resolution as an alternative dispute resolution in the financial technology (fintech) sector. This research uses prescriptive normative legal research methods. The results of this study to ensure optimization of fintech for economic growth and financial inclusion in Indonesia, first, the philosophical foundation that refers to the 1945 Constitution of the Republic of Indonesia in Article 28 F, 28 C and 31 paragraph 5 states that the state supports the existence of technology if it all are considered good and bring benefits to the community. Second, the sociological foundation with the rapid growth of fintech has been directly proportional to the legal issues of the fintech dispute. Third, the juridical foundation because regulations related to fintech and APS are seen to be no longer in accordance with the development of law and community needs so that it is necessary to establish more stringent regulations and in accordance with the needs of the community and fintech development in order to provide protection and benefits to fintech users.Keywords: Online Dispute Resolution, fintech, protection.AbstrakPenulisan hukum ini mengkaji terkait urgensi dari Online Dispute Resolution sebagai alternatif penyelesaian sengketa di sektor financial technology(fintech). Penulisan ini menggunakan metode penelitian hukum normatif bersifat preskriptif. Hasil penelitian ini untuk memastikan optimalisasi fintech bagi pertumbuhan ekonomi dan inklusi keuangan di Indonesia, pertama, landasan filosofis yang mengacu pada Undang-Undang Dasar Republik Indonesia Tahun 1945 pada pasal 28 F, 28 C dan 31 ayat 5 menyebutkan bahwa negara mendukung keberadaan teknologi jika itu semua dinilai baik dan membawa manfaat kepada masyarakat. Kedua, landasan sosiologis dengan pesatnya pertumbuhan fintech telah berbanding lurus dengan isu hukum sengketa fintech. Ketiga, landasan yuridis karena peraturan terkait fintech dan APS dipandang tidak sesuai lagi dengan perkembangan hukum dan kebutuhan masyarakat sehingga diperlukan pembentukan peraturan yang lebih tegas dan sesuai dengan kebutuhan masyarakat serta perkembangan fintech guna memberikan perlindungan serta manfaat terhadap konsumen fintech.Kata Kunci: Online Dispute Resolution, fintech, perlindungan
PROBLEMATIKA PERLINDUNGAN HUKUM TERHADAP PARA PIHAK DALAM TRANSAKSI LAYANAN URUNAN DANA MELALUI PENAWARAN SAHAM BERBASIS TEKNOLOGI INFORMASI (EQUITY-BASED CROWDFUNDING) Viodi Childnadi Widodo; Dona Budi Kharisma
Jurnal Privat Law Vol 8, No 2 (2020): JULI-DESEMBER
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v8i2.48414

Abstract

AbstractThe purpose aims to find out the form of legal protection to the parties and the problematic that facing  by Financial Services Authority to provide effort of legal protection for the parties in the service of equity crowdfunding. This legal research is a descriptive empirical law research. The research location is  Financial Services Authority Surakarta. The research types and source of data include primary and  secondary data with using by a qualitative analysis technique. The results of this research explain the problematic that facing by Financial Services Authority to provide effort of legal protection in the service of equity crowdfunding which is divided into three factors that is : (a) legal substance, (b) legal structure, and (c) legal culture.Keywords: Legal Protection; Problematic; Equity CrowdfundingAbstrakPenulisan ini bertujuan untuk mengetahui bentuk perlindungan hukum kepada para pihak serta  problematika yang dihadapi oleh Otoritas Jasa Keuangan dalam memberikan upaya perlindungan hukum kepada para pihak dalam layanan equity crowdfunding. Penelitian ini merupakan penelitian hukum empiris yang bersifat deskriptif kualitatif. Lokasi penelitian dilakukan di Otoritas Jasa Keuangan Surakarta. Jenis dan sumber data penelitian ini meliputi data primer dan data sekunder dengan menggunakan teknik analisis kualitatif. Hasil penelitian ini  menjelaskan problematika dalam memberikan upaya perlindungan hukum pada para pihak yang dihadapi oleh Otoritas Jasa Keuangan dalam layanan equity crowdfunding yang terbagi menjadi tiga faktor yaitu: (a) substansi hukum, (b) struktur hukum, dan (c) budaya hukum.Kata Kunci: Perlindungan Hukum; Problematika; Equity Crowdfunding
STUDI KOMPARASI REGULASI PERDAGANGAN ASET KRIPTO DI INDONESIA, AMERIKA SERIKAT DAN JEPANG Dona Budi Kharisma; Ishaniar Uwais
PERSPEKTIF : Kajian Masalah Hukum dan Pembangunan Vol. 28 No. 3 (2023): Edisi September
Publisher : Institute for Research and Community Services (LPPM) of Wijaya Kusuma Surabaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30742/perspektif.v28i3.881

Abstract

Peningkatan pembelian dan peredaran aset kripto di publik berbanding lurus dengan meningkatnya potensi tindak kejahatan antara lain penipuan berkedok investasi, praktik pencucian uang hingga transaksi barang secara ilegal dengan memanfaatkan aset kripto sebagai alat pembayaran. Indonesia hingga kini masih belum memiliki instrumen hukum yang secara spesifik mengatur aset kripto sebagai alat pembayaran yang sah namun telah diterbitkan Undang-Undang Nomor 2 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan (UUP2SK) yang memindahkan kewenangan pengawasan dan regulasi aset kripto dari BAPPEBTI ke OJK. Praktek transaksi menggunakan kripto di negara lain seperti Amerika Serikat dan Jepang telah diatur secara spesifik oleh regulasi khusus sehingga penelitian dengan metode penelitian hukum normatif ini akan melakukan metode pendekatan perbandingan (comparative approach) dengan kedua negara tersebut serta pendekatan perundang-undangan (statute approach). Penelitian ini merekomendasikan pentingnya formulasi kebijakan baru sesuai klasifikasi penggunaan dan bentuk aset kripto beserta aset berupa stablecoin dan NFT termasuk memperketat promosi dan iklan produk berbasis kripto terhadap masyarakat. The rapid increase in the purchase and circulation of crypto assets was directly proportional to the increase of financial crime rate, including fraud under the guise of investment, money laundering practices and illegal transactions of goods using crypto assets as a means of payment. Until now, Indonesia still does not have a legal instrument that specifically regulates crypto assets as legal means of payment, but Law Number 2 of 2023 concerning Development and Strengthening of the Financial Sector (UUP2SK) has been issued which transfers the authority to supervise and regulate crypto assets from BAPPEBTI to OJK . The practice of transactions using crypto in other countries such as the United States and Japan has been specifically regulated by special regulations so that research using normative legal research methods will carry out a comparative approach with these two countries as well as a statutory approach. This research recommends the importance of formulating new policies according to the classification of uses and forms of crypto assets along with assets in the form of stablecoins and NFTs, including restricting promotion and advertising of crypto-based products to society.
Settlement of Problem Loans with Cessie Guarantee at Bank Jateng Delvachio, Muhammad Rayhan Abrar; Dona Budi Kharisma
International Journal of Law Policy and Governance Vol. 3 No. 2 (2024)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijlpg.v3i2.811

Abstract

This research aims to determine the mechanism for resolving problem loans by binding collateral in the form of cession at Bank Jateng, as well as a guarantee binding scheme in the form of cession in the government project credit agreement at Bank Jateng. This research is only limited to examining the implementation of projects funded by the government which are tied to guarantees cession. This research uses empirical legal research methods, and is descriptive in nature. The types of data used include primary data and secondary data. The data collection techniques used in collecting data in this research were interviews and document study in the form of statutory regulations, books, documents relevant to the research. The data analysis technique uses qualitative data analysis. The presence of the Covid-19 pandemic as a global outbreak has had an impact on economic activity. This is characterized by the stagnation of various business sectors, especially in terms of implementing government project credit. Of course, this condition causes disruption to banking operational activities, especially in terms of the risk of problematic credit with cessie collateral. Instability and the high number of non-performing loans during the pandemic have created major problems. Responding to these conditions, this article provides an analysis regarding the resolution of problem loans in terms of the concept of implementing government projects tied to a cessie guarantee scheme and referring to OJK regulations regarding restructuring. Settlement of problem loans can be resolved through the restructuring implementation scheme and the concession itself. The collateral separation binding scheme in the government project credit agreement itself can be carried out in 3 (three) ways, namely through (1) prior notification, approval and acknowledgment of the full transfer of receivables to the debtor; (2) hand over the agreement in the form of an authentic deed, and (3) hand over the guarantee directly to the Bank.
Co-Authors Delvachio, Muhammad Rayhan Abrar Ishaniar Uwais Nadzya Tanazal E.Ar Sari Tri Suprapto Trinov Gira Thimoteus Viodi Childnadi Widodo Zevanya Emmanuela Issubagyo