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Legal Breakthrough on Bank Secrets in Banking to Prevent and Rate the Crime of Money Laundry Sinaga, Esron; Sunarmi; Mahmud Mulyadi
International Journal of Law Analytics Vol. 1 No. 1 (2023): November 2023
Publisher : MultiTech Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59890/ijla.v1i1.1011

Abstract

In the banking world, the term bank secrecy is often an interesting topic for debate among academics, practice owners, and politicians. This is due to the curiosity of the public whether the bank is healthy or not, problematic or not, but on the other hand, the bank is unlikely to want to provide information to the public because it collides with bank secrecy as regulated in article 1 (paragraph) 28 of Law Number 10 of 1998 concerning the prevention and eradication of money laundering, which reads bank secrecy is everything related to information regarding depositors and their deposits. And Article 40 (paragraph) 1 Law Number of 1998 concerning banking. This research was conducted by examining library materials which is also known as library research.
Juridical Analysis of the Director's Responsibility for the Company's Debt which is not Sufficiently Paid Company Assets in Liquidation (Study at PT. Duta Beton Sejati in Liquidation) Lumbantobing, Adianto; Ginting, Budiman; Sunarmi; Sukaraja, Detania
International Journal of Law Analytics Vol. 1 No. 1 (2023): November 2023
Publisher : MultiTech Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59890/ijla.v1i1.1012

Abstract

The dissolution of a limited liability company conditions for the dissolution of a limited liability company, The problem in this research is what the responsibilities of a limited company that is in liquidation are; what are the roles and responsibilities of the liquidator in handling PT. Sejati Beton Ambassador in liquidation; and Whether the director is personally liable if the company's assets are insufficient to pay the PT's debts. The results of the research concluded that the responsibility of a liquidated limited liability company is to carry out all liquidation implementation procedures until the liquidator's accountability report is completed; PT liquidator. DBS plays a role in liquidation by applicable laws and regulations, namely based on the PT UUPT.must be followed by liquidation, which is an action related to the settlement or disposition of all the company's assets as a result of the legal.
Penyalahgunaan Keadaan dalam Perjanjian Kerja Waktu Tertentu (PKWT) Alih Daya: Studi Perjanjian Kerja Pada PT. MD di Kota Medan Geby Aviqa; Sunarmi; Leviza, Jelly; Harianto, Dedi
AL-SULTHANIYAH Vol. 14 No. 1 (2025): AL-SULTHANIYAH
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/al-sulthaniyah.v14i1.3573

Abstract

This research examines the abuse of conditions in the Specific Time Work Agreement (PKWT) by PT. MD in Medan City, with a focus on imbalances in contract clauses that are detrimental to agency workers. The problem formulation includes the legal principles of agreements, the exoneration clause in PT's PKWT. MD, forms of abuse of circumstances, and legal protection efforts. The method used is a normative method with a statutory and conceptual approach, through literature study and field research. Data analysis was carried out qualitatively based on interviews with PKWT workers at PT. MD in 2024. The research results found that the 2024 PKWT at PT. MD that the clauses in employment contracts contain exoneration clauses in the form of provisions that are contradictory and burdensome to workers, such as exoneration clauses and mandatory overtime without compensation. Abuse of circumstances occurs due to the dominance of the bargaining position of companies that take advantage of the uncertainty of workers' employment status to suppress their rights. This condition is exacerbated by weak legal supervision and the existence of regulations that do not fully accommodate the need for certainty and legal protection for PKWT workers at PT. MD.
Contemporary Legal Certainty in Insurance Default Claims: A Comparative Study of Islamic and Positive Law Perspectives Isdiana Syafitri; Sunarmi; Kamello, Tan; Purba, Hasim
MILRev: Metro Islamic Law Review Vol. 4 No. 1 (2025): MILRev: Metro Islamic Law Review
Publisher : Faculty of Sharia, IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/milrev.v4i1.10465

Abstract

The breach of contract (wanprestasi) in contemporary insurance practices often results in legal uncertainty, particularly for insured parties who experience losses due to denied or inadequately fulfilled claims. This article examines the legal challenges associated with breach of contract claims in the Indonesian insurance context through a comparative analysis of positive and Islamic law perspectives. Utilizing a normative juridical approach, the study analyzes relevant legislation, including the Indonesian Civil Code (KUHPer) and Financial Services Authority (OJK) regulations, alongside principles of fiqh muamalah related to contracts, justice, and legal certainty. The findings reveal that while positive law offers a relatively structured legal framework, its practical implementation still encounters significant barriers to ensuring adequate legal protection. Conversely, Islamic law underscores the importance of contract clarity—particularly in tabarru' and tijarah agreements—and upholds justice as a core value in transactional relationships. These principles can enhance legal certainty and ethical standards in dispute resolution processes when applied. This article contributes to the academic discourse by providing a theoretical and comparative foundation for developing a more inclusive and justice-oriented insurance dispute resolution model that integrates national legal norms and Islamic ethical values. It is expected to offer valuable insights for policymakers, legal scholars, and practitioners in designing responsive insurance policies aligned with the needs of a pluralistic society.
LEGAL PROTECTION OF PUBLIC INVESTORS WHO CONDUCT STOCK SPLIT BASED ON POJK NUMBER 15/POJK.04/2022 Obaja Capandi Saut Horas Sinaga; Sunarmi; Robert
Journal of International Islamic Law, Human Right and Public Policy Vol. 2 No. 2 (2024): June
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59733/jishup.v2i2.77

Abstract

Legal Protection for Public Investors Carrying out Stock Splits Based on POJK Number 15/POJK.04/2022. In the capital market, public investors play an important role in providing funds for companies listed on the stock exchange. One strategy often used by companies to increase the liquidity of their shares is a stock split. However, stock splits also have risks for public investors. Therefore, adequate legal protection is needed for public investors who carry out stock splits. This research aims to analyze legal protection for public investors who carry out stock splits based on Financial Services Authority Regulation (POJK) Number 15/POJK.04/2022. The research method used is a normative juridical method with a statutory approach and case analysis. The research results show that POJK Number 15/POJK.04/2022 has provided sufficient legal protection for public investors. This protection includes the company's obligation to provide transparent and accurate information regarding the stock split, including the reasons and impact on share prices. Apart from that, POJK also regulates sanctions for companies that violate these provisions. However, this research also found that there are several weaknesses in the implementation of this regulation, such as a lack of supervision and strict law enforcement against companies that commit violations. Therefore, efforts are needed to increase supervision and law enforcement by the Financial Services Authority (OJK) to ensure effective legal protection for public investors. Thus, it is hoped that this research can contribute to improving legal protection for public investors who carry out stock splits, as well as providing input for the OJK in formulating better policies in the future.
Penerapan Prinsip Kehati-Hatian Direksi Pada Kegagalan Pengelolaan Investasi PT. ASABRI Isnaini, Maulida; Sunarmi; Siregar, Mahmul; Lisa Andriati, Syarifah
UNES Law Review Vol. 6 No. 4 (2024)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i4.2128

Abstract

The law gives great authority to directors so that directors have freedom in running the company in order to achieve the company's goals and objectives. For this reason, when running a company, directors are required to always be careful in making decisions. The principle of prudence is part of the board of directors' fiduciary duty which must be implemented by every member of the board of directors. This research is aimed at analyzing the limits of prudence of insurance company directors in placing investments in company funds, as well as the legal consequences and responsibilities of company directors for violating the precautionary principle by making the case of PT. ASABRI as an object of study. This research is descriptive normative legal research with a statutory approach and a case approach. Data sources were obtained from primary and secondary legal materials collected using literature study techniques and analyzed using qualitative analysis methods. The results of this research found and concluded that legislation does not regulate in detail the limits of the prudential principle of directors in managing investments. However, directors are required to prepare an investment management plan that reflects investment policies and strategies, through a careful and accountable risk analysis and feasibility study process. In the case of the decision of the directors of PT. ASABRI which resulted in losses to PT. ASABRI, can be qualified as an unlawful act because it violates the precautionary principle, which is indicated by the actions of the directors who knew and approved the placement of PT investment funds. ASABRI in a number of companies without going through a risk analysis process and feasibility study. As a result of this violation of the precautionary principle, the directors of PT. ASABRI is personally and jointly responsible for the company's losses.
Pemberdayaan Ibu-ibu PKK di Kabupaten Klaten dalam Pengunaan Obat Subarti, Dwi; Sunarmi
Jurnal Dimas Vol 7 No 2 (2025): Jurnal Pengabdian Kepada Masyarakat
Publisher : SEKOLAH TINGGI ILMU FARMASI YAYASAN PHARMASI SEMARANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53359/dimas.v7i2.122

Abstract

Penggunaan obat yang benar sangat penting diketahui masyarakat, namun ketimpangan informasi antara tenaga kesehatan dan masyarakat awam, khususnya ibu-ibu PKK, masih menjadi hambatan utama edukasi farmasi. Kondisi ini terlihat dari hasil kuisioner yang menunjukkan masih banyak ibu-ibu PKK memiliki tingkat pengetahuan sangat kurang tentang penggunaan obat, menandakan penyuluhan masih jarang dilakukan. Kegiatan pengabdian masyarakat ini dipilih sebagai solusi atas rendahnya pengetahuan masyarakat tentang cara penggunaan obat yang tepat, yang esensial untuk efektivitas terapi dan keselamatan pasien. Metode yang diterapkan meliputi ceramah, tanya jawab, diskusi, dan pembagian brosur edukatif. Hasil penyuluhan menunjukkan peningkatan signifikan pada pengetahuan ibu-ibu PKK di Kabupaten Klaten terkait penggunaan obat secara rasional dan benar. Keberhasilan ini menegaskan pentingnya program pengabdian masyarakat yang terstruktur dan berkelanjutan guna memperkuat literasi kesehatan serta meningkatkan kemampuan masyarakat dalam penggunaan obat secara mandiri dan bertanggung jawab. Program ini diharapkan dapat menjadi model edukasi berkelanjutan untuk populasi serupa di wilayah lain.
The Influence of Digital-Based Education on Adolescent Knowledge about BSE Tavip Indrayana; Heny Prasetyorini; Astuti Salim; Irianto M.Ali; Sunarmi
Sustainable Applied Modification Evidence Community (SAMEC) Vol 2 No 2 (2025): December, 2025
Publisher : CV. Get Press Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69855/samec.v2i2.283

Abstract

This study aimed to evaluate the effect of a short-duration digital education intervention based on interactive videos distributed through platforms commonly used by adolescents in Semarang. The study used a pre-experimental one-group pretest-posttest design. The results showed that there was a significant difference between the average knowledge score before and after being given digital-based education (p = 0.000). The results of the bivariate analysis showed that digital educational interventions had a positive impact on increasing adolescents' knowledge of early breast cancer detection. The findings of this study are expected to form the basis for developing more effective, applicable, and sustainable technology-based health learning models in the context of an ever-evolving digital landscape. This finding confirms that the use of digital media is an approach that aligns with the characteristics of adolescents and is relevant in improving health literacy related to early detection of breast cancer.
The Effect of Celery Leaf Decoction (Apium Graveolens) on Lowering Blood Pressure in Elderly Hypertensive Patients Nuraini; Sunarmi; Hendri Tamara Yuda; Armi; Neng Annis Fathia
Professional Evidence-based Research and Advances in Wellness and Treatment Vol. 2 No. 3 (2025): September, 2025
Publisher : CV. Get Press Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69855/perawat.v2i3.197

Abstract

Hypertension is a major risk factor for cardiovascular disease, with increasing prevalence globally and nationally. Alternative treatments such as celery leaves (Apium graveolens), which contain active compounds with antihypertensive effects through vasodilation and diuretic mechanisms, are being explored. Purpose: This study aimed to determine the effect of celery leaf decoction on systolic and diastolic blood pressure reduction in elderly individuals with hypertension. Methods: A quasi-experimental pretest-posttest design was used on 30 elderly patients with mild to moderate hypertension in RW III Anduring, Padang (2025). Participants consumed 250 mg of celery leaf decoction twice daily for 14 days. Data were analyzed using a paired t-test with a significance level of p < 0.05. Results: The average systolic blood pressure decreased from 147.6 mmHg to 133.4 mmHg (p = 0.000). The diastolic pressure dropped from 92.3 mmHg to 85.1 mmHg (p = 0.001), indicating a statistically significant effect. Conclusion: Celery leaf decoction effectively lowers blood pressure in elderly hypertensive patients and may serve as a complementary therapy to reduce reliance on antihypertensive drugs. Implications: Health workers, especially at Puskesmas, are encouraged to educate communities on the potential of herbal remedies like celery leaf as part of integrative hypertension management.
ESTETIKA SENSORIS DALAM KAMPANYE EXPERIENTIAL MARKETING LIVE ACTION LILO & STITCH DI PIK 2: SENSORY AESTHETICS IN LILO & STITCH'S LIVE ACTION EXPERIENTIAL MARKETING CAMPAIGN AT PIK 2 Luqman Wahyudi; Sunarmi
Jurnal Dimensi Seni Rupa dan Desain Vol. 22 No. 1 (2025): Jurnal Dimensi Seni Rupa dan Desain
Publisher : Fakultas Seni Rupa dan Desain, Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/dim.v22.i1.22936

Abstract

Penelitian ini mengkaji penerapan estetika sensoris dalam strategi experiential marketing pada kampanye Stitch Summer Invasion oleh Disney di Pantai Indah Kapuk 2 (PIK 2). Kampanye ini menghadirkan wahana interaktif yang membentuk pengalaman multisensoris bagi audiens. Penelitian menggunakan pendekatan kualitatif dengan metode netnografi, yakni pengamatan terhadap jejak digital audiens di media sosial seperti TikTok, Instagram, dan YouTube. Teori estetika sensoris dari Alexander Gottlieb Baumgarten digunakan sebagai kerangka konseptual, yang memandang keindahan sebagai sensible cognition. Hasil penelitian menunjukkan bahwa elemen-elemen sensoris dalam kampanye ini memicu pengalaman estetis yang melibatkan visual, suara, sentuhan, gerakan, dan aroma. Estetika yang dihasilkan bersifat embodied, di mana tubuh audiens berperan aktif dalam membentuk resonansi emosional terhadap ruang, objek, dan aktivitas. Temuan netnografis memperlihatkan bahwa pengalaman tersebut tidak hanya bersifat personal, tetapi juga disebarkan dan dimaknai ulang melalui media sosial, menjadikannya bagian dari budaya visual digital.
Co-Authors Adelia, Nony Adi Gunawan Ahmad Zakiy Ramadhan Alvi Syahrin Andar Indra Sastra Angreni Fajrin Dalimunthe Ari, Gema Armi Astuti Salim Asyraf, Alviami Ghina Bismar Nasution BISMAR NASUTION BUDIMAN GINTING Burhan Sidabariba Butarbutar, Amudi H. Candra W, Dicky CHRISTOFEL L. G. H. M SAMOSIR Christopher Gustikho Dedi Harianto Dian Pitaloka Priasmoro, Dian Pitaloka Ekaputra, Mohammad Elianna Gerda Pertiwi ELYSIA ZANETA Sinaga Fadhlan, Fadhlan Fazira, Aina Geby Aviqa Guntur Hanssen HASIM PURBA Hendri Tamara Yuda Heny Prasetyorini Hutagalung, Gomgomie Andrew Irianto M.Ali Isdiana Syafitri Isnaini, Maulida Jan Christian Zherman Saragih, George Jelly Leviza Lubis, M. Yamin Lumbantobing, Adianto Luqman Wahyudi M. Nur Hidayat Manurung Mahmud Mulyadi MAHMUL SIREGAR Mahmul Siregar Maria Michelle Lucky Madelene. S Muhammad Adli Fahmi Lubis Mulhadi Mulyono, Andi Musa Kevin Putratama Banjarnahor Nasution, Aulia Arif Neng Annis Fathia Nugroho, Mukhlis Anton Nuraini Obaja Capandi Saut Horas Sinaga Oemar Abdallah Popy Roza Prima Yustana Purwo Prihatin Robert Roesardhyati, Ratna Romia Hari Susanti, M.Pd Saidin Santosa Sarmini Sarwanto Sayogo, Dwisanto Selly Puspita Sari Silitonga, Elia Fransisco Sinaga, Esron Soewarlan, Santosa Soewarlan, Santoso Subarti, Dwi Suhaidi Suhendriyo Sukaraja, Detania Sukarja, Detania Syafruddin Kalo Syarifah Lisa Andriati T. Keizerina Devi T. Keizerina Devi A. T. Keizerina Devi Azwar Tan Kamello Tan Kamello Tavip Indrayana Tri Murti Lubis Utary Maharany Barus Widianto, Suwandi Widiya Fitrianda Wilson Lidjon Yesi Ansari Zamila, Adinda Syafa Nur