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PERLINDUNGAN HUKUM TERHADAP NASABAH KORBAN PENGGANDAAN KARTU ATM MENURUT UNDANG-UNDANG NOMOR 10 TAHUN 1998 TENTANG PERBANKAN (Studi Kasus pada Bank BRI Cabang Denpasar) Ni Made Trisna Dewi; A.A Mas Adi Trinaya Dewi; Ni Luh Sri Mahendra Dewi
Jurnal Analisis Hukum Vol 3 No 1 (2020)
Publisher : Universitas Pendidikan Nasional

Banks are business entities that collect funds from the public in the form of deposits and distribute them to the public in the form of loans and or other forms in order to improve the lives of the masses. The main function of Indonesian banks is as a collector and distributor of public funds. Protection of customers' funds in Indonesia is regulated in the Laws of the Republic of Indonesia Number 10 of 1998 concerning Banks. The increasing incidence of theft of bank customers' funds through the misuse of the ATM service system, reduced account balance has led to the need for further attention regarding how to guarantee the safety of use of ATMs and the prosecution of perpetrators of ATM duplication that can harm both the users of ATMs or the Bank itself. Based on this background, the problems that can be formulated to be discussed is : Are victims of ATM card duplication guaranteed refund by bank and what is the procedure for refunding for victims of ATM card duplication.This paper uses a method with an empirical type of legal research, which is a legal research method that uses empirical facts taken from human behavior, both verbal behavior obtained from interviews and real behavior carried out through direct observationThe Conclusion if this research is Laws of the Republic of Indonesia Number 10 of 1998 concerning Banks. article 37B number (1) stated that: “that the bank guarantees the public funds held at the bank concerned“. The following phrase of Article 37B stated that guarantee of bank customer deposits is carried out by a deposit insurance institution . Further arrangements regarding deposit insurance institutions are regulated in Laws of the Republic of Indonesia Number 10 of 2004 concerning deposit insurance institutions . the procedures begins by making a complaint by reporting through the BRI call center or coming directly to nearest branch of Bank BRI to make a report about loss of funds due to victim of ATM duplication. settlement of complaints from customers is carried out entirely by the head office of Bank BRI. After it is confirmed that the loss of funds is due to victim of ATM duplication, Bank BRI will refund the victims' customers directly through a direct transfer to each customer's account

Penyelesaian Sengketa Non Litigasi Dalam Penyelesaian Sengketa Perdata Ni Made Trisna Dewi
Jurnal Analisis Hukum Vol 5 No 1 (2022)
Publisher : Universitas Pendidikan Nasional

The judiciary is basically formed to try and solve problems, but in reality sometimes it is not able to solve the problems faced by the parties, sometimes even causing new problems, namely prolonged hostility between the disputing parties. The problems that will be discussed in this research are What are the legal remedies for non-litigation settlement in dispute resolution according to civil law?, and what are the obstacles to resolving non-litigation disputes according to civil law? The research method used is an empirical research method that is guided by data collection techniques with direct interviews with competent people using peace theory, effectiveness theory in the rule of law concept to study and get answers to existing problems. The results of this study are legal efforts to resolve disputes over buying and selling diamonds in civil law cases, namely by non-litigation, this is generally done in civil cases only because it is more private in nature by having several forms to resolve disputes, namely: Negotiation, Mediation and Arbitration. Meanwhile, the obstacles to non-litigation settlement in the settlement of civil law cases of buying and selling are juridical barriers regarding mediation and the validity of the results of the peace where the parties sometimes or the public doubts the final outcome of dispute resolution through mediation and non-juridical barriers, namely obstacles that occur because the parties involved directly related to the diamond sale and purchase dispute, prioritizing emotions in problem solving. The emotional factor with its arrogance assumes that all parties are in the right position, so they don't want to give up.

The Law Impact on Murder Trial From Balinese Customary Law Perspective (Case Study In Desa Pakraman Sukawati) Anak Agung Mas Adi Trinaya Dewi; Ni Made Trisna Dewi
Sociological Jurisprudence Journal Vol. 3 No. 2 (2020)
Publisher : Fakultas Hukum, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/scj.3.2.1794.98-106

This study aims to analyze what legal sanction and what consequences for the heirs trying to commit the murder of the inheritors in the perspective of Balinese customary law. The research method used is empirical research that is the observational and field study research in the Desa Pakraman Sukawati. Data were collected through observation. The result of the research is that the legal sanction for the heirs in perspective of Balinese customary law is a sentence of sanction given by Balinese traditional court law. The criminal matters are resolved in traditional court and it is not yet exist in the criminal code or state law. This sanction for violation of mistreatment of the heir tried to murder the inheritors occurred in Desa Pakraman Sukawati is determined by village peace judge. This is specially done by Prajuru Adat (Balinese indigenous custom village officers). The legal consequences described on Balinese customary law are based on Article 838 of the Civil Code. It states that it is one of those who has been convicted or blamed for killing or attempting to kill the inheritors, the consequence is that the inheritance is void although the heirs are entitled for inheritance. It is a principle that every person including a person who has inheritance rights of inheritance does not receive anything. This has been determined by law and it is excluded from inheritance due to inappropriateness (onwaardig) to receive inheritance.

Penyelesaian Sengketa Non Litigasi Dalam Penyelesaian Sengketa Perdata Ni Made Trisna Dewi
Jurnal Analisis Hukum Vol 5 No 1 (2022)
Publisher : Universitas Pendidikan Nasional

The judiciary is basically formed to try and solve problems, but in reality sometimes it is not able to solve the problems faced by the parties, sometimes even causing new problems, namely prolonged hostility between the disputing parties. The problems that will be discussed in this research are What are the legal remedies for non-litigation settlement in dispute resolution according to civil law?, and what are the obstacles to resolving non-litigation disputes according to civil law? The research method used is an empirical research method that is guided by data collection techniques with direct interviews with competent people using peace theory, effectiveness theory in the rule of law concept to study and get answers to existing problems. The results of this study are legal efforts to resolve disputes over buying and selling diamonds in civil law cases, namely by non-litigation, this is generally done in civil cases only because it is more private in nature by having several forms to resolve disputes, namely: Negotiation, Mediation and Arbitration. Meanwhile, the obstacles to non-litigation settlement in the settlement of civil law cases of buying and selling are juridical barriers regarding mediation and the validity of the results of the peace where the parties sometimes or the public doubts the final outcome of dispute resolution through mediation and non-juridical barriers, namely obstacles that occur because the parties involved directly related to the diamond sale and purchase dispute, prioritizing emotions in problem solving. The emotional factor with its arrogance assumes that all parties are in the right position, so they don't want to give up.

The Criminal Liability for Debtors Who Provides Fake Letter to Creditors to Get Credit Criminal Liability Ni Made Trisna Dewi
Sociological Jurisprudence Journal Vol. 5 No. 2 (2022)
Publisher : Fakultas Hukum, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/scj.5.2.2022.146-153

The issue described in this study is about which letters can be an objects of falsified by debtors to get credit from creditor and how is the debtors accountability for providing fake letters to creditors. The method used in this research is normative, which is emphasizes the gap in norms that occur, this normative analysis mainly using library materials and laws and regulations as the source of research material. The results shows that there are several letters that can be falsified, such as: Letter of Assignment, ID, Family Card, Pay Slip. The purpose is to show that the letter seems to come from someone other than the author (perpetrator) so it is called material forgery (material valsheid), the origin of the letter is fake. Then, the act of falsifying a letter is carried out by making unauthorized changes (without the rightful permission) in a letter or writing, regarding the signature or the contents. Criminal liability for debtors who provide fake letters to creditors is leading to criminal prosecution of the perpetrators, if they have violated the provisions of Article 263 of the Criminal Code and fulfill the elements of Article 263 of the Criminal Code and the ability to be responsible is an element of error, therefore to prove the element of error, then the element of responsibility must also be proven, however, to prove the existence of an element of accountability is very difficult and requires time and money, so in practice it is used that everyone is considered capable of being responsible unless there are signs that indicate otherwise.

Criminal Sanctions Against Theft With Violance Ni Made Trisna Dewi
Journal of Sustainable Development Science Vol 4 No 2 (2022)
Publisher : Dwijendra University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46650/jsds.4.2.1337.50-55

Talking about theft with violence, whether it concerns the case, its impact, or the relationship between the perpetrator and the victim of the crime must be based on and have a background in social, cultural, economic, and community structures. The type of research used in this research is normative research. Based on the discussion in the previous chapters, several conclusions can be drawn, namely: 1) Evidence of the elements of the criminal act of theft with violence, in this case it has provided the achievements of the applicable law, both in the handling process to the investigation and decision or punishment. imprisonment according to the mandate in Article 365 of the Criminal Code. Regarding theft which is preceded, accompanied or followed by violence or threats of violence, with the threat of imprisonment for fifteen years. 2) The provision of criminal sanctions against perpetrators of theft with violence above, in terms of giving this sanction, is based on the results of evidence from the elements of the criminal act of theft with violence, as has been done by investigators or law enforcement to give a verdict or punishment. to the perpetrator in accordance with Article 365 of the Criminal Code with a prison sentence of 15 years in prison.

PERANAN PERBANKAN DALAM UPAYA MEMBANTU TUGAS PUSAT PELAPORAN DAN ANALISIS TRANSAKSI KEUANGAN (PPATK) MENCEGAH TERJADINYA PENCUCIAN UANG Ni Made Trisna Dewi; Agus Surya Manika
Kerta Dyatmika Vol 21 No 2 (2023): Kerta Dyatmika
Publisher : Fakultas Hukum Universitas Dwijendra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46650/kd.21.2.1427.36-47

Pembentukan lembaga khusus yang menangani masalah pencucian uang di Indonesia diatur dalam Pasal 18 Undang-Undang Republik Indonesia Nomor 8 Tahun 2010 tentang Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang. Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) merupakan lembaga independen yang mempunyai tugas dan wewenang dalam rangka mencegah dan memberantas tindak pidana pencucian uang, dan tugas membantu penegakan hukum yang berkaitan dengan tindak pidana pencucian uang yang bertanggung jawab langsung kepada Presiden. Rumusan masalah dalam penelitian ini adalah : bagaimanakah penyedia jasa keuangan (Bank) dalam upaya membantu Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) mencegah terjadinya tindak pidana pencucian uang dan hambatan-hambatan apa dan bagaimana upaya penyedia jasa keuangan dalam upaya membantu Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) mencegah terjadinya pencucian uang. Metode penelitian yang dipergunakan dalam penelitian ini adalah penelitian hukum normatif. Jenis pendekatanyang dipergunakan dalam penelitian hukum normatif yaitu pendekatan perundang-undangan (the statue approach) pendekatan fakta (fact approach), dan pendekatan analisis konsep hukum (analitical conceptual approach). Hasil penelitian ini sebagai berikut: Penyedia jasa keuangan (Bank) dalam upaya membantu Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) mencegah terjadinya tindak pidana pencucian uang memiliki tugas pokok membantu penegak hukum dalam mencegah dan menanggulangi tindak pidana pencucian uang dengan cara memberikan informasi intelijen yang dihasilkan dari analisis laporan-laporan yang disampaikan kepada PPATK. Hambatan-hambatan penyedia jasa keuangan dalam upaya membantu Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) mencegah terjadinya pencucian uang antara lain : adanya loopholes di dalam peraturan industri jasa keuangan, hambatan dari peraturan perundang-undangan lain, hambatan di dalam dalam kerja sama internasional baik oleh ekskutif maupun yudikatif dan tidak memadainya sumber daya untuk mencegah dan mengetahui kegiatan money laundering, misalnya tidak adanya financial intelligent unit. Upaya yang dilakukan antara lain dengan menetapkan peraturan perundang-undangan Undang-Undang Nomor 23 Tahun 1999 tentang Bank Indonesia, Undang-Undang Nomor 24 Tahun 1999 tentang Lalu Lintas Devisa dan Sistem Nilai Tukar dan Ketentuan Bank Indonesia. The establishment of a special institution that handles money laundering in Indonesia in Article 18 of the Republic of Indonesia Law No. 8 of 2010 concerning Prevention and Eradicating Money Laundering. The Financial Transaction Reports and Analysis Center (PPATK) is also an independent institution that has the duty and authority to prevent and eradicate money laundering, and the task of assisting law enforcement related to money laundering that is directly responsible to the President. The formulation of the problem in this research is: how is the financial service provider (Bank) in an effort to help the Financial Transaction Reports and Analysis Center (PPATK) prevent the occurrence of money laundering crimes and what obstacles and how the efforts of financial service providers in an effort to assist the Reporting and Analysis Center Financial Transactions (PPATK) prevent money laundering. The research method used in this study is normative legal research, namely by describing existing problems which are subsequently discussed and studied based on legal theories and then linked to the applicable laws and regulations in legal practice. So the problems that occur and emerge are assessed based on the applicable legal rules. The types of approaches used in normative legal research are the statutory approach (the statue approach) fact approach, and the analytical conceptual approach. The conclusions in this study are as follows: Financial service providers (Banks) in an effort to assist the Financial Transaction Reports and Analysis Center (PPATK) to prevent the occurrence of money laundering crimes has the main task of helping law enforcement agencies in preventing and overcoming money laundering crimes by providing intelligence information resulting from the analysis of reports submitted to the PPATK. Barriers to financial service providers in efforts to help the Financial Transaction Reports and Analysis Center (PPATK) prevent money laundering include: the presence of loopholes in financial service industry regulations, barriers from other laws and regulations, barriers in good international cooperation by executives or the judiciary and inadequate resources to prevent and find out about money laundering activities, for example the absence of a financial intelligent unit. The efforts carried out include setting Narcotics, Act Number 23 of 1999 concerning Bank Indonesia, Act Number 24 of 1999 concerning Foreign Exchange Flows and the Exchange Rate System and Bank Indonesia Regulations.

Kekuatan Hukum Tanda Tangan Digital Dalam Pembuktian Sengketa Perdata Menurut Undang-Undang Nomor 11 Tahun 2008 Tentang Informasi Dan Transaksi Elektronik Ni Made Trisna Dewi; Ni Made Rai Sukardi
Jurnal Ilmiah Raad Kertha Vol 6, No 2 (2023)
Publisher : Universitas Mahendradatta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47532/jirk.v6i2.927

Tanda tangan digital dapat memberikan jaminan terhadap keamanan dokumen dibandingkan dengan tanda tangan biasa. Penerima pesan elektronik yang dibubuhi tanda tangan digital dapat memeriksa apakah pesan tersebut benar-benar datang dari pengirim yang benar dan apakah pesan itu telah diubah setelah ditandatangani baik secara sengaja atau tidak sengaja dalam hal sistem pembayaran elektronik. Rumusan masalah penelitian ini bagaimana keaslian tanda tangan digital menurut Undang-Undang Nomor 11 Tahun 2008 tentang Informasi Dan Transaksi Elektronik dan bagaimana kekuatan hukum tanda tangan digital dalam pembuktian sengketa perdata ditinjau dari Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik. Metode penelitian yang dipergunakan dalam penelitian ini adalah jenis penelitian normatif. Hasil pembahasan dalam penelitian ini sebagai berikut: Perlu dipahami dengan dengan baik oleh praktisi hukum bahwa suatu tanda-tangan elektronik, bukan suatu gambar tanda-tangan yang di- scan kemudian ditempatkan pada suatu dokumen, sehingga suatu dokumen memang terkesan (pada layar monitor computer) sudah ditandatangani. Pengertian tanda-tangan elektronik yang sebenarnya (menurut Undang-Undang ITE) bisa dibuat dengan berbagai cara antara lain dengan sebuah kode digital yang ditempelkan pada pesan yang dikirimkan secara elektronik, yang secara khusus akan memberikan identifikasi khusus dari pengirimnya. Kekuatan beban pembuktian yang melekat dalam digital signature ditinjau dari pembuktian hukum acara perdata memiliki kekuatan beban bukti setingkat dengan akta bawah tangan (ABT), oleh karena itu kekuatan beban bukti yang melekat dalam tanda tangan pada surat elektronik hanya kekuatan pembuktian formil dan pembuktian materil.

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