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DRAFT AKTA TRANSAKSI SIMPAN PINJAM ANTARA PEDAGANG SAYUR DENGAN BANK PLECIT DI PASAR WAGE PURWOKERTO Kartikawati, Ratna; Wardani, Susilo
Proceeding Seminar LPPM UMP 2015: Buku II Bidang Ilmu Pendidikan dan Sosial Humaniora, Proceeding Seminar Nasional LPPM 2015, 2
Publisher : Proceeding Seminar LPPM UMP

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Abstract

Penelitian ini bertujuan untuk menganalisis proses pelaksanaan transaksi simpan pinjam antara pedagang sayur dengan bank plecit di Pasar Wage Purwokerto, mengidentifikasi peran  bank plecit dalam transaksi simpan pinjam di Pasar Wage Purwokerto., mengkaji draft akta transaksi simpan pinjam antara pedagang sayur dengan bank plecit di Pasar Wage Purwokerto yang dapat memberikan perlindungan hukum. Penelitian ini merupakan penelitian kualitatif menggunakan desain penelitian studi kasus dengan Pendekatan Sosiologis Yuridis . Sasaran penelitian ini adalah norma hukum dan pola perilakunya. Subyek penelitian ini adalah pedagang Pasar Wage di Kabupaten Banyumas. Informan/cuplikan dengan teknik purposive sampling. Analisis data dalam penelitian menggunakan dengan model interaktif melalui tahapan reduksi data, sajian data dan verifikasi. Hasil Penelitian menunjukkan bahwa pelaksanaan transaksi simpan pinjam antara pedagang sayur dengan bank plecit di Pasar Wage Purwokerto adalah para pelaku bank plecit (pelepas modal in-formal/illegal) ini memiliki semangat yang tinggi dalam melakukan usahanya meminjamkan uang, dengan cicilan yang ringan (per hari), namun bila dihitung besaran bunganya terlihat cukup tinggi, melebihi bunga kreditur yang legal. Di sisi lain para nasabah bank plecit yang nota-bene adalah para pedagang kecil, sudah menganggap keberadaan bank plecit ini amat dibutuhkan, demi kelangsungan usaha mereka. Ketergantungan mereka terhadap bank plecit dikarenakan adanya kemudahan prosedur, kecepatan realisasi pinjaman, tanpa agunan dan tidak ada sanksi, peran bank plecit dalam transaksi simpan pinjam di Pasar Wage Purwokerto adalah sangat dibutuhkan pedagang karena persyaratan-persyaratan yang berasal dari lembaga keuangan formal ini jelas dan tersusun dalam peraturan dari pemerintah sendiri, perkredituran lebih selektif dalam memberikan kreditnya. Hal ini berbeda dengan lembaga keuangan informal yaitu bank plecit, disaat lembaga keuangan formal disulitkan dengan seleksi pemberian kreditnya, lembaga ini bisa memberi solusi dengan tunjangan kreditnya yang mudah meskipun dengan bunga yang jauh lebih tinggi dibanding perkredituran. Draft akta  transaksi simpan pinjam anatara pedagang sayur dengan bank plecit di Pasar Wage Purwokerto dapat memberikan perlindungan hukum karena dengan adanya perjanjian dapat diketahui batasan-batasan hak dan kewajiban diantara kreditur dan debitur, jika salah satu pihak melanggar perjanjian maka dapat dikatakan wanprestasi, dan perjanjian ini bisa dijadikan sebagai alat bukti. Kata Kunci: Akta, Simpan Pinjam, Pedagang Sayur, Bank Plecit
Legal Arrangement for Household Workers: A Case Study of Plasma Fake Eyelashes Industry in Labor Law Perspective Susilo Wardani; Ari Hernawan
Varia Justicia Vol 17 No 1 (2021): Vol 17 No 1 (2021)
Publisher : Fakultas Hukum Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/variajusticia.v17i1.3849

Abstract

This study analyzes legal protection for domestic workers in the plasma fake eyelashes industry in Kabupaten Purbalingga from a labor law perspective. The method used in this study is juridical empirical. The data used in this study consisted of primary data, secondary data. Primary data were obtained from a field study conducted in Bojongsari District and the plasma fake eyelashes industry in Purbalingga Regency. Secondary data is obtained from primary legal materials in the form of laws and regulations relevant to the topic under study. According to the employment law, the research result shows that the legal protection of homeworkers in the Plasma hair industry in Purbalingga faced a significant challenge. Although it is covered in law 13 of 2003, it does not accept the right and protection as stipulated in the law on wages, employment contracts, freedom of Union and assembly, working hours, occupational safety and health, and social security. With these issues, home workers are very vulnerable and hold poor positions; therefore, particular actions are needed to encourage the protection and fulfillment of their fundamental rights. Strategic policies need to be carried out that recognizes the existence of home workers. These policies need to be incorporated into national statistical data and legislation as an affirmative step taken by the Indonesian Government. Furthermore, the Government needs to develop home worker protection policies that include their fundamental rights. The Government needs to establish a mandatory minimum health and worker protection scheme not to be a burden
Peranan Perguruan Tinggi dalam Mendukung Pengembangan Perbankan Syariah di Kabupaten Purbalingga Propinsi Jawa Tengah Astika Nurul Hidayah; Susilo Wardani
Prosiding University Research Colloquium Proceeding of The 8th University Research Colloquium 2018: Bidang Sosial Ekonomi dan Psikologi
Publisher : Konsorsium Lembaga Penelitian dan Pengabdian kepada Masyarakat Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

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Abstract

Sistem perbankan syariah menjadi salah satu pilihan bagi masyarakat dalam menginvestasikan atau sekedar menyimpan dana yang dimiliki. Hal ini didasarkan pada kokohnya sistem perbankan syariah dalam masa krisis moneter di tahun 1998 yang mana banyak perbankan konvensional yang tidak dapat bertahan dan mengalami kegoncangan namun tidak demikian halnya dengan perbankan syariah. Berdasarkan hasil penelitian, Kabupaten Purbalingga yang merupakan kawasan Propinsi Jawa Tengah bagian selatan ternyata memiliki tingkat perkembangan bank syariah yang paling rendah diantara 2 (dua) kabupaten sekitar yang memiliki tingkat perekonomian yang sepadan. Hal ini tentunya menimbulkan pertanyaan karena Kabupaten Purbalingga sangat terbuka terhadap investor asing maupun lokal yang ada sehingga banyak terdapat usaha yang mendorong berkembangnya perekonomian masyarakatnya. Selain itu, di sekitar Kabupaten Purbalingga banyak terdapat perguruan tinggi yang notabene memiliki tugas dan tanggung jawab untuk turut mengembangkan dan menyebarkan pengetahuan bagi masyarakat di sekelilingnya. Terkait hal tersebut, maka perlu dilakukan analisis mengenai bagaimana peranan perguruan tinggi dalam mendukung pengembangan perbankan syariah di Kabupaten Purbalingga Propinsi Jawa Tengah.
ASPEK HUKUM PERLINDUNGAN KONSUMEN MUSLIM ATAS PRODUK PANGAN HALAL Astika Nurul Hidayah; Susilo Wardani
PROSIDING SEMINAR NASIONAL LPPM UMP Vol 1 (2019): PROSIDING SEMINAR NASIONAL LPPM UMP 2019
Publisher : Lembaga Publikasi Ilmiah dan Penerbitan (LPIP)

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Abstract

Aspek kehalalan produk menjadi pertimbangan utama saat seorang konsumen muslim memutuskan untuk mengonsumsi suatu produk khususnya produk pangan. Sudah seharusnya pemerintah Indonesia melindungi dan memastikan konsumen muslim mendapatkan haknya untuk mengonsumsi segala sesuatu yang halal. Sebagai bentuk perlindungan atas hak-hak konsumen muslim, pemerintah telah menetapkan ketentuan yang mengatur mengenai hal tersebut dalam bentuk Undang-undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen.Namun pada praktiknya, masih belum munculnya kesadaran konsumen muslim akan hak yang dimilikinya menjadikan kedudukan konsumen muslim masih belum seimbang dengan pelaku usaha. Oleh karena itu, selain upaya sosialisasi yang dilakukan oleh pemerintah, hendaknya konsumen muslim juga proaktif untuk mengetahui dan memahami hak yang dimilikinya sesuai dengan peraturan perundang-undangan yang melindungi hak tersebut.
PERLINDUNGAN HUKUM KONSUMEN MUSLIM ATAS PRODUK PANGAN HALAL Astika Nurul Hidayah; Susilo Wardani
PROSIDING SEMINAR NASIONAL LPPM UMP PROSIDING SEMINAR NASIONAL LPPM UMP 2020
Publisher : Lembaga Publikasi Ilmiah dan Penerbitan (LPIP)

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Abstract

Pemerintah Indonesia memiliki kewajiban untuk melindungi dan memastikan konsumen muslim mendapatkan haknya untuk mengonsumsi segala sesuatu yang halal. Aspek kehalalan ini menjadi sangat penting artinya dilihat sebagai bentuk perlindungan hukum atas hak konsumen muslim. Sebagai bentuk perlindungan atas hak-hak konsumen muslim, pemerintah telah menetapkan ketentuan yang mengatur mengenai hal tersebut dalam bentuk Undang-undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen. Namun ternyata meskipun berkedudukan sebagai payung hukum, undangundang tersebut belum mengatur secara eksplisit mengenai hak konsumen muslim. Metode pendekatan yang digunakan dalam penelitian ini adalah metode kualitatif dengan pendekatan yuridis sosiologis (social legal approach). Penelitian yuridis sosiologis adalah mempelajari hubungan timbal balik antara hukum dengan lembaga-lembaga sosial lainnya yang doktrinal dan bersifat empiris. Hadirnya Undang-undang Nomor 33 Tahun 2014 tentang Jaminan Produk Halal menjadi solusi atas kebutuhan tersebut. Undang-undang ini meletakkan kewajiban bagi pelaku usaha atau produsen pangan yang mengedarkan produknyadi Indonesia untuk melakukan sertifikasi halal sebagai suatu bentuk perlindungan hukum bagi konsumen muslim di Indonesia.
Pelaksanaan Putusan Eksekusi BANI atas Sengketa Kontrak antara Badan Layanan Umum BP3TI dengan PT. Indonesia Comnets Plus dan Konsorsium NIPRESS : (Studi Putusan BANI Nomor: 927/II/ARB-BANI/2017) Pitaloka, Wening Galih; Wardani, Susilo
Ajudikasi : Jurnal Ilmu Hukum Vol. 7 No. 2 (2023): Ajudikasi : Jurnal Ilmu Hukum
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/ajudikasi.v7i2.7787

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The Indonesian National Arbitration Board (BANI) is an option in resolving contract disputes between the government and private parties. When the government is in a losing position in a contract dispute according to the BANI decision, the government must comply with the BANI decision. This study aims to understand the implementation of the execution of BANI decisions that conflict with Law Number 1 of 2004 concerning State Treasury and the authority of the Supreme Court to address the issue of BANI decisions that conflict with Law Number 1 of 2004 concerning State Treasury. The focus of this research includes the execution of BANI decisions that are contrary to Law Number 1 of 2004 concerning State Treasury and the Authority of the Supreme Court to the Court that confiscates state assets. The research method used in this research is normative juridical through statutory and conceptual approaches using secondary legal data consisting of primary legal materials, secondary legal materials and tertiary legal materials. The data obtained from library research is then analyzed using descriptive qualitative. Based on the research, it is found that the execution of the BANI decision carried out by the court through the confiscation of a sum of money in an account belonging to the BP3TI Public Service Agency should not be carried out because this has contradicted Article 50 of Law Number 1 of 2004 concerning State Treasury. Therefore, the Supreme Court is expected to play a role in providing solutions by providing guidance to the lower courts including the district courts by issuing a Supreme Court Circular Letter (SEMA).
Penyelesaian Wanprestasi Simpanan Deposito Akad Mudharabah yang Tidak Dikembalikan oleh Pihak KSU Syariah BMT Berlian: (Studi Putusan Nomor 37/Pdt.G/2018/PN Bau) Zenita Putri, Fiska; Wardani, Susilo
Ajudikasi : Jurnal Ilmu Hukum Vol. 7 No. 2 (2023): Ajudikasi : Jurnal Ilmu Hukum
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/ajudikasi.v7i2.7858

Abstract

Default is an act of violation of an agreement between two parties. When one party is unable to carry out its obligations in accordance with the existing agreement, then this action can be fully said to be a default. Mudharabah deposits are deposits of funds with a scheme where the owner of the funds (shahibul maal) entrusts his funds to be managed by the bank (mudharib) with the results obtained shared between the owner of the funds and the bank with the ratio agreed upon from the start. This research aims to analyze the factors that cause default of unreturned mudharabah contract deposits in Decision Number 37/Pdt.G/2018/PN Bau and to analyze the settlement of default of unreturned mudharabah contract deposits in Decision Number 37/Pdt.G/2018/PN Bau. The focus of this research covers the settlement of default of mudhrabah contract deposits that are not returned by the bank. This research uses a qualitative normative juridical method through a statutory approach using secondary legal data consisting of primary legal materials, secondary legal materials and tertiary legal materials. Based on the results of the research, it can be concluded that the factors causing default of mudharabah contract customer deposits that are not returned by KSU Syariah BMT Berlian, namely the first cause of default is the negligence of one of the parties. Second, the parties deliberately violated the contract agreement and violated Article 36 of the Compilation of Sharia Economic Law. The settlement of the default case of mudharabah contract deposits that were not returned by the KSU Syariah BMT Berlian was that the Panel of Judges had decided the case in accordance with statutory regulations, namely Article 1246 of the Civil Code and also contained in Article 38 of the Compilation of Sharia Economic Law.
Pelindungan Hukum Terhadap Konten Kreator Anak Perdana, Rizki Gusti; Wardani, Susilo
Ajudikasi : Jurnal Ilmu Hukum Vol. 7 No. 2 (2023): Ajudikasi : Jurnal Ilmu Hukum
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/ajudikasi.v7i2.7908

Abstract

Content creators are flexible workers who are in demand by all groups, both adults and children. Children in digital content creation are at risk of exploitation and psychological distress. This is the case with Monella Sunshine Jo, a 5 year old celebrity who has achieved a significant level of popularity. Although children's rights in the digital world have been regulated in legislation, adequate regulations to protect children as content creators are still lacking, creating problems that need attention. This article aims to analyze the legal regulation of child labor as a content creator on social media and the legal protection of child content creators based on labor law. The method used in this research is normative research method, which examines and analyzes the subject matter with the substance of the Legislation. Based on the results of this study it can be concluded, First, legal protection of child content creators on social media and regulations in Indonesia have regulated the rights and obligations of children as workers, especially in the entertainment industry, but there are certain conditions, stating that children who have worked must do work in accordance with their requests and talents, these provisions are regulated in the Decree of the Minister of Manpower Number KEP.115/MEN/VII/2004. Second, the protection of children from work is regulated in Law Number 13 of 2003 concerning Manpower with the exception of children aged 13-15 years who may do light work as long as it does not interfere with development and health. Conditions such as written permission, work agreement, maximum time of 3 hours, daytime, and not interfering with school. Law Number 13 of 2003 on Labor prohibits child labor that endangers health, safety, or morals, as well as involving children in slavery, prostitution, the production of pornography, and the trafficking of addictive substances.
PERLINDUNGAN HUKUM BAGI DRIVER GRAB YANG MENGALAMI PESANAN FIKTIF PADA ERA GIG ECONOMY Ery Charmelita Raska; Wardani, Susilo
Collegium Studiosum Journal Vol. 7 No. 2 (2024): Collegium Studiosum Journal
Publisher : LPPM STIH Awang Long

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56301/csj.v7i2.1439

Abstract

This research aims to analyze the legal relationship between Grab drivers and Grab platform in the context of gig economy in Banyumas Regency, as well as legal protection for drivers who experience fictitious orders. This research uses normative juridical and empirical juridical methods. The research data includes primary data from direct interviews with several drivers in Banyumas Regency and supported by secondary and tertiary data. The data analysis method uses qualitative analysis method. The first research result shows that the relationship between the driver and the platform arises due to a partnership agreement that gives birth to balanced rights and obligations between the parties. In practice, the relationship between drivers and platforms looks like a working relationship where there are elements of orders, wages, and work as well as relationships such as superiors and subordinates that create imbalances in the existing partnership agreement. So it looks like a pseudo-partnership relationship. When viewed in Regional Regulation Number 5 of 2021 concerning Creative Economy Development, Grab drivers are included in the type of freelancers with a partnership pattern system using a profit-sharing system regulated in article 4 and article 33. However, these rules still do not provide adequate legal protection for online ojek drivers. The second research result, legal protection for drivers who experience fictitious orders is still limited. The Grab platform provides protection by providing a reimbursement mechanism, which has been stated in the partnership agreement between the driver and the Grab platform. The unclear legal relationship between Grab drivers and the platform in the Gig Economy era in Banyumas causes weak protection for drivers who experience fictitious orders.
PERLINDUNGAN HUKUM TERHADAP PEKERJA ATAS KESELAMATAN DAN KESEHATAN KERJA Riyayan, Allan Ardi; Wardani, Susilo
The Juris Vol. 8 No. 2 (2024): JURNAL ILMU HUKUM : THE JURIS
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat STIH Awang Long

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56301/juris.v8i2.1442

Abstract

The purpose of this study is regarding the implementation of legal protection and efforts to prevent work accidents. The research method used is empirical using a factual approach. The data collection method uses the interview method and literature study. The data analysis method used is qualitative. The results of the study show legal protection for workers for K3 at PT. Geo Dipa Energi Wonosobo, namely (1). economic form of protection. (2). Social protection or occupational health and. (3). Technical protection or work safety. Accident prevention efforts at PT. Geo Dipa Energi Wonosobo, namely by implementing Job Safety Analysis (JSA) by identifying hazards and their control at each stage of work, namely by implementing Job Safety Analysis. The implementation of Job Safety Analysis (JSA) at PT. Geo Dipa Energi Wonosobo can help make it easier for workers to take safe work steps and can avoid various existing hazards.