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All Journal DE LEGA LATA: Jurnal Ilmu Hukum Deposisi: Jurnal Publikasi Ilmu Hukum Hukum dan Demokrasi (HD) Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Eksekusi: Jurnal Ilmu Hukum dan Administrasi Negara Jembatan Hukum: Kajian Ilmu Hukum, Sosial dan Administrasi Negara Mahkamah: Jurnal Riset Ilmu Hukum
Irfan Ridha
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PERLINDUNGAN KONSUMEN BAGI PASIEN PENGGUNA KARTU BPJS DI RSUD ARIFIN ACHMAD PROVINSI RIAU Irfan Ridha
DE LEGA LATA: JURNAL ILMU HUKUM Vol 1, No 2 (2016): Juli - Desember
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (294.592 KB) | DOI: 10.30596/dll.v1i2.798

Abstract

BPJS a poverty reduction which aims to have access and quality of health care of the poor can be improved so that no poor people who have difficulty accesin health care service by reason of lack of funds. Formation BPJS in Law No. 24 on BPJS. The research problem is whether the patient card users BPJS at Arifin Achmad Hospital Riau Province to obtain protection of consumers and how to shape consumer protection against card users BPJS patients at Arifin Achmad Riau province by Law No. 8 of 1999 on consumer protection in 2015. This study examines the empirical juridical legal aspects nmelihat implementation in the field. This research was conducted by Observational Research, is to survey. Data collectors in the form of questionnaires and interviews, while the nature of the research is descriptive of providing an overview of the issues examined. Respondents were patients BPJS card users and the hospitals Pekanbaru. The conclusion of this study is to unsatisfactory services provided by the City Hospital Pekanbaru to patients BPJS card users due to lack of patient understanding about their rights and obligations. So they were not able to do anything in case of misuse of their rights. Majanemen Hospital who are not professional is also an inhibiting factor in the provision of services that are good for society.
Pertanggungjawaban Hukum dalam Perjanjian Kredit Perbankan terhadap Debitur Wanprestasi Irfan Ridha; Iqhwatul Hanif; Lili Vivian; Melia Triana; Muhammad Irsal; Rafli Ramadhan; Yeni Marlina; Nadla Nadila
Jurnal Hukum dan Demokrasi (JHD) Vol 24 No 2 (2024): Hukum dan Demokrasi (HD)
Publisher : Sekolah Tinggi Ilmu Hukum Prof Gayus Lumbuun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61234/hd.v24i2.54

Abstract

Humans are social creatures who depend on mutual assistance to achieve their goals. Effective communication is essential to convey one's thoughts and emotions to others. Relationships can also form between individuals and financial institutions such as banks, where individuals have the opportunity to request loans and credit. However, borrowers often fail to fulfill their obligations and as a result face fines for late payments. The lack of self-confidence resulting from these lies makes it more difficult for a person to face the legal consequences of their actions. This investigation focuses on the legal consequences of bank credit agreements and the legal obligations that arise if the debtor fails to pay. This article seeks to provide a thoughtful explanation of the procedures required in recovering a failed debit transaction and the legal obligations that arise as a consequence. The research methodology used is a combination of a normative juridical approach and descriptive elements. The findings of this research are based on legal interpretations of banking laws and the legal responsibilities involved in resolving issues related to failed debit card payments. Mediation is an alternative to direct negotiations between disputing parties, which aims to facilitate resolution. If the mediation process is unsuccessful in resolving the dispute, the next action is to hand the case over to a judge to be resolved according to the agreement between the parties.
Analisis Pelaksanaan Asas Itikad Baik Dalam Perjanjian Kredit Secara Lisan dengan Jaminan Gadai Mobil Irfan Ridha; Enjelinda Amelia; Fadhli Maulana; Fenia Nur Aulia4; Herma Suryani Pratiwi; Heris Setian; Imroatun Sholeha; Yulia Nur Annisa
Deposisi: Jurnal Publikasi Ilmu Hukum Vol. 1 No. 4 (2023): Desember : Deposisi: Jurnal Publikasi Ilmu Hukum
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/deposisi.v1i4.1642

Abstract

In general, when someone applies for a loan to a financial institution such as a bank or company, they will usually make an agreement that has been approved by both parties. However, it often happens that agreements are only based on verbal agreements, without being written. The aim of this research is to analyze the validity of verbal credit agreements using a car as collateral, as well as to examine whether the principle of good faith is applied in the agreement. This research is empirical legal research that uses primary and secondary data obtained from field research, literature and statutory regulations related to the issues raised. Data collection techniques are carried out through recording and documentation. This data is then analyzed and presented qualitatively. The research results show that the credit agreement made verbally between Party 1 and Party 2 meets all the requirements necessary to be considered valid in accordance with Article 1320 of the Civil Code (KUHPerdata). There was an agreement to borrow money using a Toyota car as collateral. Party 1 has also carried out its obligations in good faith in accordance with the agreement made together with Party 2, without any violations. Party 1 repaid 30% of the total loan to Ketut within 5 months, with loan interest of 10% per month.
Evaluasi Kinerja Bank dalam Penyaluran Kredit Kepada Usaha Kecil Dan Menengah (UKM) Irfan Ridha; isma Dwiyanti; Riza Febdillah; Rizandy Marsya; Syirad Syirad; Tika Tika; Uli Widiriyani
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 1 No. 4 (2023): Desember : Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v1i4.422

Abstract

Small and Medium Enterprises (SMEs) play a crucial role in a country's economic growth. Therefore, lending to SMEs is an important element in supporting this sector. This study aims to evaluate bank performance in lending to SMEs, with a focus on efficiency, security and economic impact. This research methodology involves analyzing historical data from a number of banks that are active in supporting SMEs. Data includes the volume of credit disbursed, the interest rate applied, the credit approval process, and the non-performing loan ratio. Apart from that, the economic impact of credit provided to SMEs is also evaluated through business growth, job creation, and contribution to local GDP. The research results show variations in bank performance in lending to SMEs. Certain banks achieve high levels of efficiency in the credit approval and monitoring process, while others may face challenges in managing credit risk. The economic impact of credit to SMEs is positive, with significant business growth and job creation having a positive impact on the local economy.
Implementasi Undang-Undang Perlindungan Konsumen dalam Industri Perbankan Syariah Irfan Ridha; Ahmad Kalingga; Aisyah Putri Indra; Alfajar Ahmad Abujibril; Alisha Zahra Saadiya; Anisa Ayu Putri; Annisa Mardiya Hakim; Arinaldi Arinaldi; Arina Putri Agustina; Ayu Saputri; Bintang Reynaldo Putra
Jembatan Hukum : Kajian ilmu Hukum, Sosial dan Administrasi Negara Vol. 2 No. 1 (2025): Maret : Jembatan Hukum : Kajian ilmu Hukum, Sosial dan Administrasi Negara
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/jembatan.v2i1.1242

Abstract

The Consumer Protection Law (UU 22/2020) has provided a legal basis for consumer protection in the banking industry. The implementation of this law is important in the Islamic banking industry due to its consistency with sharia values which place justice and balance as the main principles. The purpose of this study is to analyze the implementation of the Consumer Protection Act in the Islamic banking industry and evaluate the effectiveness of its implementation. This research uses a qualitative approach with a literature study. Data was collected through analysis of book literature and analysis of documents related to the implementation of the Consumer Protection Act. The results of the study show how actual implementation of the Consumer Protection Law is in its operational procedures. However, there are several challenges in implementation, such as the lack of awareness and understanding of customers about their rights, as well as a lack of adequate human resources and information technology to meet the requirements of the law. This study recommends that Islamic banks increase consumer empowerment campaigns and invest in adequate human resources and information technology to increase the effectiveness of the implementation of the Consumer Protection Act. This is expected to increase customer confidence in the sharia banking industry and support sustainable industry growth.
Efektivitas Hukum Perlindungan Konsumen Dalam Bisnis Investasi Online Irfan Ridha; Intan Rahmadina Putri Harahap; Abdullah Syani Alamsyah; Ahmad Sulaiman; Dea Putri Gustianingsih; Adyta Telianda; Alfani H. Mustofa; Ifthinatul Mupidah; Inayah Al-Inffah; Andre Wirandi; Dicky Kurniawan
Eksekusi : Jurnal Ilmu Hukum dan Administrasi Negara Vol. 3 No. 1 (2025): Eksekusi: Jurnal Ilmu Hukum dan Administrasi Negara
Publisher : Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/eksekusi.v3i1.1653

Abstract

Consumer protection in online investment businesses in Indonesia has become an important issue as cases of investment fraud increase. This study analyzes the impact of fraud on investor trust and the financial losses incurred. The QNet and MeMiles cases serve as real examples of how unrealistic profit promises can harm many individuals. Recommendations for regulatory improvements include strengthening the legal framework, enhancing the capacity of the Financial Services Authority (OJK), and promoting financial literacy. With these measures, it is hoped that a safer and more transparent investment environment can be created. This research emphasizes the importance of collaboration between authorities and the public to monitor fraudulent practices and raise awareness of investment risks. Through a comprehensive approach, Indonesia can build a more trustworthy investment ecosystem and support sustainable economic growth.
Hukum Produk Simpanan Serta Perjanjian-Perjanjian Yang Berkaitan Dengan Produk Simpanan Dea Putri Gustianingsih; Irfan Ridha; Adyta Telianda; Alfani H. Mustofa; Ifthinatul Mupidah; Inayah Al-Inffah; Intan Rahmadina Putri H.; Andre Wirandi; Dicky Kurniawan; Abdullah Syani Alamsyah; Ahmad Sulaiman
Eksekusi : Jurnal Ilmu Hukum dan Administrasi Negara Vol. 3 No. 1 (2025): Eksekusi: Jurnal Ilmu Hukum dan Administrasi Negara
Publisher : Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/eksekusi.v3i1.1654

Abstract

The purpose of this investigation was toknowing the laws of deposit products contained in Islamic banks for example, savings, deposits, and current accounts. As well as to find out the contracts or agreements contained in the deposit product. This research uses a employs a qualitative methodology and is of the descriptive research kind. As well as The gathering of data technique is the literary literature technique. Data analysis involves collecting data by method of information collected from the literacy of various books, journals that have accurate references. The inquiry's conclusions show that the legislation of preserving products in Islamic banking is permissible asprovided that they are consistent with Islamic either legally or in compliance with the specifications of Islamic banks. What is meant by not contradicting Islamic law is using predetermined contracts such as wadi'ah (deposit) and mudharabah (profit sharing). With the law on deposit products and the contracts contained therein, we can see that there are differences regarding the requirements for Islamic banks and conventional banks.
Penerapan Produk Pembiayaan Perbankan dalam Prespektif Hukum Islam (Perbankan Syariah) Irfan Ridha; Anisa Ayu Putri; Arina Putri Agustina; Ari Naldi; Ayu Saputri; Annisa Mardiya Hakim; Ahmad Kalingga; Aisyah Putri Indra; Alfajar Ahmad Abujibril; Bintang Reynaldo Putra; Alisha Zahra Saadiya
Mahkamah : Jurnal Riset Ilmu Hukum Vol. 2 No. 1 (2025): Januari : Mahkamah : Jurnal Riset Ilmu Hukum
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/mahkamah.v2i1.459

Abstract

This journal examines the implementation of banking financing products within the framework of Islamic law, focusing on the principles and practices of Islamic banking. The study explores how Islamic banking products align with Shariah principles, emphasizing compliance with prohibitions such as riba (usury), gharar (uncertainty), and maysir (gambling). The analysis also references the legal framework governing Islamic banking in Indonesia, particularly Law No. 21 of 2008 on Islamic Banking, and the regulations issued by the Financial Services Authority (OJK). The study evaluates the role of Islamic banks in promoting economic justice, financial inclusivity, and sustainable development. The findings aim to provide a comprehensive understanding of how Islamic finance products contribute to economic growth and the challenges faced by Islamic banking institutions in Indonesia’s financial market.
Co-Authors Abdullah Syani Alamsyah Adyta Telianda Ahmad Kalingga Ahmad Sulaiman Aisyah Putri Indra Alfajar Ahmad Abujibril Alfani H. Mustofa Alisha Zahra Saadiya Andre Wirandi Anisa Ayu Putri Annisa Mardiya Hakim Ari Naldi Arina Putri Agustina Arinaldi Arinaldi Ayu Saputri Bintang Reynaldo Putra Dea Putri Gustianingsih Dicky Kurniawan Enjelinda Amelia Fadhli Maulana Fenia Nur Aulia4 Heris Setian Herma Suryani Pratiwi Ifthinatul Mupidah Imroatun Sholeha Inayah Al-Inffah Intan Rahmadina Putri H. Intan Rahmadina Putri Harahap Iqhwatul Hanif isma Dwiyanti Lili Vivian Melia Triana Muhammad Irsal Nadla Nadila Rafli Ramadhan Riza Febdillah Rizandy Marsya Syirad Syirad Tika Tika Uli Widiriyani Yeni Marlina Yulia Nur Annisa