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All Journal Jurnal Hukum Bisnis Proceeding International Seminar of Islamic Studies Acta Law Journal Asian Journal of Social and Humanities ULJLS
Zulkarnain Sitompul
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Religion Arts Astronomy Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Other

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SECONDARY MORTGAGE FACILITY (SMF) SEBAGI ALTERNATIF PEMBIAYAAN PERUMAHAN Sitompul, Zulkarnain
Jurnal Hukum Bisnis Vol. 4 No. 1 (2015)
Publisher : jurnalhukumbisnis.com

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Secondary Mortgage Facility (SMF) sebagi Alternatif Pembiayaan Perumahan
PENJAMINAN DANA NASABAH BANK: DARI BLANKET GUARANTEE KE LIMITED GUARANTEE (MENYAMBUT KEHADIRAN LEMBAGA PENJAMIN SIMPANAN) Sitompul, Zulkarnain
Jurnal Hukum Bisnis Vol. 5 No. 1 (2016)
Publisher : jurnalhukumbisnis.com

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Penjaminan Dana Nasabah Bank: dari Blanket Guarantee ke Limited Guarantee (Menyambut Kehadiran Lembaga Penjamin Simpanan)
2003 PENJAMINAN DANA NASABAH BANK: - Sitompul, Zulkarnain
Jurnal Hukum Bisnis Vol. 5 No. 4 (2017)
Publisher : jurnalhukumbisnis.com

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Penjaminan Dana Nasabah Bank
KEMUNGKINAN PENERAPAN UNIVERSAL BANKING SYSTEM DI INDONESIA: KAJIAN DARI PERSPEKTIF BANK SYARIAH Sitompul, Zulkarnain
Jurnal Hukum Bisnis Vol. 5 No. 6 (2017)
Publisher : jurnalhukumbisnis.com

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Kemungkinan Penerapan Universal Banking System di Indonesia: Kajian dari Perspektif Bank Syariah
DENGAN KEBIJAKANSINGLE PRESENCE POLICY Sitompul, Zulkarnain
Jurnal Hukum Bisnis Vol. 7 No. 4 (2019)
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dengan KebijakanSingle Presence Policy
ANALISIS HUKUM KEWENANGAN LEMBAGA PENJAMIN SIMPANAN DALAM PEMBUBARAN DAN LIKUIDASI PERSEROAN TERBATAS Sitompul, Zulkarnain
Jurnal Hukum Bisnis Vol. 8 No. 2 (2019)
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Analisis Hukum Kewenangan Lembaga Penjamin Simpanan Dalam Pembubaran Dan Likuidasi Perseroan Terbatas
ANTISIPASI KRISIS PERBANKAN JILID DUA: SUDAH SIAPKAH PRANATA HUKUM MELINDUNGI NASABAH DAN MEMPERKUAT INDUSTRI PERBANKAN? Sitompul, Zulkarnain
Jurnal Hukum Bisnis Vol. 8 No. 3 (2019)
Publisher : jurnalhukumbisnis.com

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Antisipasi Krisis Perbankan Jilid Dua: Sudah Siapkah Pranata Hukum Melindungi Nasabah dan Memperkuat Industri Perbankan?
MINIMIZING DEFAULT THROUGH SYARIAH FINTECH IN ORDER TO PROVIDE ACCESS TO FUNDING FOR BUSINESS ACTORS Nurhilmiyah, Nurhilmiyah; Purba, Hasim; Sitompul, Zulkarnain; Azwar, Tengku Keizerina Devi
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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One of the main problems experienced by information technology-based co-funding services is the high amount of loan interest from the organizer. This resulted in a pile of interest that never finished and eventually became a default and was determined to be in default. The beneficiary fails to pay the funds along with interest. This is considered burdensome and it is necessary to find alternative funding services that do not charge high interest to users. This article aims to solve the problem of minimizing default through Islamic financial technology to provide access for business actors. The concept of financing through syariah fintech companies is a solution and answer for business actors, especially MSMEs, regarding the complexity of capital and without determining interest from the lender. All will be determined through an agreement that has been agreed between the funder and the recipient of funds. The agreed agreement is also not the same from one another, which is based on the allocation of funds from the loan applicant. The difference between Islamic and conventional fintech in reducing risk can be clearly seen. That is, if in conventional fintech is to raise interest as a form of prudence. So that the absence of interest will be the main attraction for syariah fintech. The method used in this paper is literature research. The result is the minimization of defaults by fund recipients through Islamic financial technology to provide financial access for business actors.
Kedudukan Produk Pinjaman Online Pada Perbankan Nurhilmiyah, Nurhilmiyah; Purba, Hasim; Sitompul, Zulkarnain; Azwar, T. Keizerina Devi
Acta Law Journal Vol. 2 No. 2 (2024): June 2024
Publisher : Talenta Publisher, Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/alj.v2i2.16429

Abstract

Online lending products have become an integral part of the modern banking industry, fundamentally changing the financial services landscape. They provide greater accessibility for consumers, allowing them to apply for loans without having to visit a physical bank. The place of online loan products in banking also raises various questions and debates. From the perspective of supporting financial inclusion, online lending products expand the reach of financial services, benefiting individuals or small businesses that find it difficult to qualify for traditional loans. The existence of online loan services in the non-bank financial industry in recent years is the answer to the lack of access to funding to small communities. The purpose of this research is to find out how the position of online loan products in banking and also to find out about the position of online loan services in the Non-Bank Financial Industry and targeting the un-banked people segment which is often associated with people who do not have sufficient open access to the banking service system. This research uses the literature research method. In this article, the researcher has concluded that the position of online loan products in banking is in accordance with the function of banks, namely collecting funds from the public in the form of deposits and channeling them to the public in the form of credit and/or other forms. This includes offering online loan products in the context of its role as a digital bank. However, it cannot be equated with online lending or fintech peer-to-peer lending.
The Role of Law in Improving Financial Literacy in Online Lending in the Context of Development Economic Law Nurhilmiyah; Purba, Hasim; Sitompul, Zulkarnain; Azwar, T. Keizerina Devi
Ultimate Journal of Legal Studies Vol. 1 No. 2 (2023): Contemporary Legal Issues
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/uljls.v1i2.13744

Abstract

Law is believed to be able to provide changes towards improving the nation's economy, and can also be a tool to engineer people's behavior in achieving their welfare. One of them is by increasing financial literacy in the field of online loans in the context of development economic law. In recent years since the mushrooming of information technology-based lending and borrowing service providers (LPB2TI) in Indonesia, there have been many legal events related to this online lending and borrowing transaction. Starting from the imposition of loan interest that exceeds the upper limit as determined by the strategic partner of the Financial Services Authority in this case appointed is the Indonesian Fintech Joint Funding Association (APFI), to the low public knowledge about their rights and obligations in the legal relationship of creditors or investors, information technology-based lending and borrowing service providers, and debtors or online loan customers. This is what makes writing this topic very important to pay attention to. In order to elaborate the role of law in increasing inclusive financial literacy in online loans in the context of Economic Development Law.
Co-Authors Azwar, Tengku Keizerina Devi Dudy Iskandar Gantiah Wuryandani Hapsari Putri Pramudya, Arlini HASIM PURBA Nurhilmiyah Nurhilmiyah, Nurhilmiyah Ramlan Ginting T. Keizerina Devi Azwar Yusuf Hasibuan, Fauzie