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Ratna Indayatun
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Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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PERLINDUNGAN HUKUM TERHADAP KONSUMEN DALAM PERJANJIAN PEMBIAYAAN BERSAMA PADA PT. ADIRA FINANCE, Tbk Ratna Indayatun
SUPREMASI HUKUM Vol 16 No 01 (2020): Supremasi Hukum
Publisher : Universitas Islam Syekh Yusuf

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33592/jsh.v16i1.716

Abstract

Pesatnya pertumbuhan ekonomi berimbas pada kebutuhan konsumsi masyarakat yang meningkat, untuk memenuhi kebutuhan masyarakat terhadap barang konsumtif maupun barang modal untuk itu diperlukan tambahan dana. Dana tersebut dapat diperoleh dari Lembaga Pembiayaan yang merupakan lembaga keuangan non-Bank salah satunya adalah PT. Adira Finance Tbk. Pokok permasalahan yang dibahas adalah bagaimana tanggung jawab PT. Adira Finance Tbk terhadap objek perjanjian yang hilang atau musnah dalam perjanjian bersama terhadap konsumen, dengan PT. Adira Finance Tbk, dan bagaimanakah perlindungan hukum terhadap konsumen dalam perjanjian pembiayaan bersama antara konsumen dengan PT. Adira Finance Tbk. Metode penelitian yang digunakan adalah penelitian normatif yang bersifat deskriptif analisis, dengan bersumber pada data sekunder, yang dianalisis secara kualitatif dan penarikan kesimpulan secara deduktif. Hasil penelitian menggambarkan bahwa PT. Adira Financae Tbk dapat menghindarkan diri untuk tidak bertanggung jawab sebagai tertuang dalam angka 14 huruf e isi perjanjian bersama dan perjanjian yang dikeluarkan secara sepihak oleh PT. Adira Finance, Tbk. selaku pelaku usaha tidak memberikan perlindungan hukum bagi konsumen, dalam arti bahwa isi perjanjian tersebut menempatkan konsumen selalu di pihak yang lemah.
The Effectiveness of Law Enforcement in Accountability for Blasphemy Crimes: (Study Decision Number: 365/Pid.Sus/2023/PN Idm) Nazhif Haykal Andeni; Lesmana, Sri Jaya; Ratna Indayatun
The International Journal of Law Review and State Administration Vol. 3 No. 1 (2025): January-February : The International Journal of Law Review and State Administra
Publisher : PDPI (Perkumpulan Dosen Peneliti Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58818/ijlrsa.v3i1.197

Abstract

Religious blasphemy is an act of insulting or demeaning religious beliefs. In such cases, law enforcement must apply the law and take action against violations through both litigation and non-litigation. However, in Decision 365/Pid.Sus/2023/PN IDM, the legal measures were deemed insufficient to create a deterrent effect, as they only imposed criminal responsibility on the perpetrator. To address this, an ultra petita decision is necessary, where the judge imposes a stronger sentence to prevent future offenses. Judge Panji Gumilang, in handling a similar case, can refer to the jurisprudence from the Ahok blasphemy case as a legal basis, ensuring that the verdict carries a stronger deterrent effect and upholds justice more firmly.
Analysis of the Implementation of the Dirt Truck Operating Hours Policy in Tangerang Regency Misbah, Muhamad; Lesmana, Sri Jaya; Ratna Indayatun
The International Journal of Law Review and State Administration Vol. 2 No. 6 (2024): November-December : The International Journal of Law Review and State Administr
Publisher : PDPI (Perkumpulan Dosen Peneliti Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58818/ijlrsa.v2i6.198

Abstract

This study aims to analyze the implementation of the policy on operating hours of dirt trucks in Tangerang Regency based on Regent Regulation Number 12 of 2022. This policy was enacted to limit the operating hours of dirt trucks to reduce congestion and improve traffic safety. The research method used is a normative-empirical juridical method with data collection techniques through observation, interviews, and documentation studies. The results of the study show that the implementation of the policy has not been optimal. Despite the regulations that have been set, there are still 10,989 units of dirt trucks that violate operating hours during 2023. Some of the factors that affect the less effective implementation of this policy include the lack of socialization to truck drivers and entrepreneurs, as well as the limited number of officers in the field to carry out supervision and control.
Juridical Review of Dispute Resolution Between Manulife Life Insurance Indonesia vs Derama Laia: (Studi Putusan Nomor 1867K/Pdt.Sus-BPSK/2022) Khoirunnisa, Alfiatun; Lesmana, Sri Jaya; Ratna Indayatun
The International Journal of Law Review and State Administration Vol. 3 No. 1 (2025): January-February : The International Journal of Law Review and State Administra
Publisher : PDPI (Perkumpulan Dosen Peneliti Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58818/ijlrsa.v3i1.199

Abstract

This study aims to review juridically the settlement of consumer protection disputes between PT Asuransi Jiwa Manulife Indonesia and Derama Laia from the perspective of civil law. This case began with a dispute related to the implementation of the insurance agreement regulated in the policy between the two parties. The dispute was then brought before the Consumer Dispute Settlement Agency (BPSK) and decided through Supreme Court Decision Number 1867 K/Pdt.Sus-BPSK/2022, which stated that this case was more of a contractual dispute than a violation of consumer protection. Through a normative approach, this study analyzes the conformity of the decision with Law Number 8 of 1999 concerning Consumer Protection and the Civil Code (KUH Perdata). The results of the study show that the dispute resolution should be through civil law because it concerns the fulfillment of the agreement between the two parties, not a matter of consumer protection. This study recommends that disputes related to the performance of contracts should be directed to the Civil Court or Arbitration to avoid jurisdictional confusion and ensure proper settlement in accordance with applicable law.
Co-Authors Khoirunnisa, Alfiatun Misbah, Muhamad Nazhif Haykal Andeni Sri Jaya Lesmana