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All Journal DE LEGA LATA: Jurnal Ilmu Hukum JOURNAL OF SCIENCE AND SOCIAL RESEARCH Pena Justisia: Media Komunikasi dan Kajian Hukum JURNAL ILMIAH ADVOKASI JURNAL PIONIR CITRA JUSTICIA : Majalah Hukum dan Dinamika Kemasyarakatan Kontribusi: Jurnal Penelitian dan Pengabdian Kepada Masyarakat West Science Law and Human Rights Jurnal Cendekia Ilmiah Sharia Oikonomia Law Journal
Emmi Rahmiwita Nasution
Fakultas Hukum Universitas Asahan
Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Engineering Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Legal Analysis of the TAPERA Programme in Increasing the Availability of Housing for Low-Income Communities in Indonesia Based on PP No. 21 of 2024 Emmi Rahmiwita Nasution; Nuryati Solapari; Yuli Triastuti
West Science Law and Human Rights Vol. 2 No. 03 (2024): West Science Law and Human Rights
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wslhr.v2i03.1117

Abstract

This study conducts a normative juridical analysis of the TAPERA Programme, established by Government Regulation No. 21 of 2024, focusing on its efficacy in increasing the availability of housing for low-income communities in Indonesia. The TAPERA Programme aims to address housing affordability by encouraging savings among low-income individuals and providing financial assistance for housing needs. This research examines the legal framework, operational mechanisms, and regulatory environment of the programme, assessing its alignment with national housing policies and its potential impact. The findings indicate that while the TAPERA Programme holds significant promise due to its inclusive approach and emphasis on sustainability, challenges related to participation rates, implementation efficiency, and regulatory coherence need to be addressed. This analysis contributes to a deeper understanding of the legal and regulatory dimensions of housing policies in Indonesia, providing insights for policymakers and stakeholders involved in housing development for low-income communities.
THE IMPORTANCE OF ACTUALIZING THE EXISTENCE OF DIRECTING ELEMENTS IN THE REGIONAL DISASTER MANAGEMENT AGENCY ACCORDING TO LAW NUMBER 24 OF 2007 IN ASAHAN DISTRICT Emmi Rahmiwita Nasution; Evi Purnamawati; Zulfahri Harahap
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 22 No. 001 (2023): Pena Justisia (Special Issue)
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v22i3.4325

Abstract

The Steering Element in the Regional Disaster Management Agency (BPBD) is an important organ that must exist, where one of its tasks is to provide input in the form of suggestions to the BPBD Leadership as a derivative of the National Disaster Management Agency (BNPB) in the regions. The absence of a Directing Element organ in BPBD will have no impact walking BPBD functions optimally and violates existing provisions. The existence of a Steering Element is very important, where the input provided is related to strategies, plans and evaluations at BPBD, where the Steering Element consists of employees from Government Agencies and those from Professional/Expert Societies. Empirical research is used due to the potential gap between Das Sollen and Sein , namely there is a gap between existing regulations and the existing situation. The type of field research referred to is obtaining data from research field directly which is the result become objective from research This that is Having a Steering Element in BPBD Asahan is an important and urgent matter. The result form found there are obstacles in implementation is one of them because mechanism the determination is assessed eat time so that needed seriousness as well as support budget from since start of the registration process until financing in implementation his job. The conclusion is that the existence of a Steering Element in the BPBD in Asahan is important and immediate actualization and existence This steering element must also be complemented by legal regulations at the level Regional District .
Regional Expansion of Land Ownership Certificates at the Batu Bara National Land Agency Office Irda Pratiwi; Emmi Rahmiwita Nasution; Muhammad Salim Fauzi Lubis; Arya Rahmadansyah; Juwita Juwita
Jurnal Ilmiah Advokasi Vol 12, No 3 (2024): Jurnal Ilmiah Advokasi
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jiad.v12i3.5532

Abstract

Regional expansion in the Certificate of Ownership Rights is a concrete manifestation of Regional Autonomy. The process of regional expansion of the Certificate of Ownership Rights on land at the National Land Agency Representative Office of Batu Bara Regency is to make a letter of application for the process of regional expansion of the Certificate of Ownership Rights of land which is to be expanded at the Office of the National Land Agency Representative of Batu Bara Regency, then complete the documents. Requirements for the application for the expansion process of the Certificate of Ownership that want to be expanded at the National Land Agency Representative Office of Batu Bara Regency, after the application and requirements are complete, after that the Office of the National Land Agency Representative of Batu Bara Regency can process the application for regional expansion in the Certificate of Ownership Rights on the land applied for. The problem with the Certificate of Ownership Rights for land at the Batu Bara Regency Representative National Land Agency Office is that the position of the land is not in accordance with the existing application system at the Batu Bara Regency Representative National Land Agency Office, so that the Batu Bara Regency Representative National Land Agency Office experiences difficulties in expanding the Certificate of Ownership of land.Keywords: Expansion; Certificate of Ownership; Land.
Sosialisasi tentang Aspek Hukum Perbankan dalam Pemanfaatan Kredit Usaha Rakyat (KUR) untuk Pemberdayaan Ekonomi Pesisir di Desa Sei Sijawi-Jawi Kabupaten Asahan Emmi Rahmiwita Nasution; Risky Akbar Barus; Kiki Nur Aidah; Sri Mariani; Meirad Arianza Bima; Rika Rahayu
Kontribusi: Jurnal Penelitian dan Pengabdian Kepada Masyarakat Vol. 6 No. 2 (2026): Mei 2026
Publisher : Cipta Media Harmoni

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53624/kontribusi.v6i2.815

Abstract

Latar Belakang: artikel ini membahas sosialisasi aspek hukum perbankan dalam pemanfaatan Kredit Usaha Rakyat (KUR). Urgensi kegiatan ini dilatarbelakangi oleh keterbatasan akses permodalan yang menjadi hambatan utama pengembangan UMKM di sektor perikanan masyarakat pesisir Desa Sei Sijawi-Jawi, Kabupaten Asahan. Meskipun KUR hadir sebagai solusi, pemahaman masyarakat mengenai prosedur dan regulasinya masih terbatas. Tujuan: kegiatan ini bertujuan untuk meningkatkan pemahaman masyarakat mengenai prosedur, regulasi, serta hak dan kewajiban terkait KUR sebagai instrumen pemberdayaan ekonomi. Metode: pendekatan yang digunakan adalah sosialisasi dan pendampingan yang terdiri dari tiga tahap: persiapan (observasi awal), pelaksanaan (pemberian materi), serta tahap akhir (diskusi dan pendampingan penyusunan proposal). Hasil: hasil kegiatan menunjukkan adanya peningkatan pemahaman pelaku UMKM terhadap pentingnya legalitas usaha, kemampuan menyusun proposal bisnis sederhana, dan pemahaman proses pengajuan kredit. Kesimpulan: sosialisasi ini dapat mendorong transformasi usaha dari informal ke formal, meningkatkan akses pembiayaan, dan memperkuat kemandirian ekonomi masyarakat pesisir.
LEGAL PROTECTION FOR CONSUMERS OF SHARIA FINTECH LENDING (PINJOL SYARIAH) IN INDONESIA: A REGULATORY AND ETHICAL REVIEW Emmi Rahmiwita Nasution; Michael Turner; Elvis Ewane
Sharia Oikonomia Law Journal Vol. 3 No. 4 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v3i4.2491

Abstract

The rapid expansion of Sharia-compliant Financial Technology (Fintech) lending in Indonesia offers significant opportunities for financial inclusion. However, this growth has outpaced the development of a comprehensive regulatory framework, exposing consumers to considerable risks, including data privacy breaches, unclear contract terms, and unethical debt collection practices that may contravene Islamic principles. This study aims to critically analyze the adequacy of the current legal framework in providing protection for consumers of Sharia Fintech lending services in Indonesia, identifying key regulatory gaps and ethical inconsistencies. This research utilizes a normative juridical method. It involves a systematic analysis of primary legal sources, including laws and regulations from Indonesia’s Financial Services Authority (OJK), alongside secondary sources like academic literature and relevant case law. The analysis is further enriched by an ethical review based on foundational principles of Islamic law (Sharia). The findings reveal significant deficiencies in the existing legal infrastructure. While OJK regulations are in place, critical gaps persist concerning personal data protection, the transparency of digital contracts (akad), and effective dispute resolution mechanisms. Several prevalent industry practices, particularly in debt collection, were found to be misaligned with Sharia principles of justice (al-’adl) and the prohibition of harm (dharar). Legal protection for consumers in Indonesia’s Sharia Fintech lending sector is currently insufficient. Urgent regulatory reforms are necessary to strengthen data privacy laws, enforce transparent and fair contracts, and ensure that all operational practices strictly adhere to Sharia ethics to build a sustainable and trustworthy digital Islamic economy.
Harmonisasi Norma Dalam Pemanfaatan Ruang Sebagai Upaya Mengintegrasikan Ketentuan Zonasi Cagar Budaya ke Dalam Rencana Tata Ruang Emmi Rahmiwita Nasution; Meirad Arianza Bima; Rika Rahayu; Huzraimahasri Aminatitassya Dalimunthe
J-CEKI : Jurnal Cendekia Ilmiah Vol. 5 No. 2: Februari 2026
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v5i2.13602

Abstract

Disharmoni regulasi antara rezim pelestarian cagar budaya dan rezim penataan ruang telah menimbulkan ketidakpastian hukum yang berdampak serius terhadap keberlanjutan warisan budaya di Indonesia. Undang-Undang Nomor 11 Tahun 2010 tentang Cagar Budaya berpijak pada paradigma pelestarian yang bersifat proteksionis, sedangkan Undang-Undang Nomor 26 Tahun 2007 tentang Penataan Ruang mengedepankan optimalisasi ruang untuk kepentingan pembangunan. Ketidaksinkronan ini kian mengemuka pasca transformasi perizinan berbasis risiko melalui Undang-Undang Nomor 6 Tahun 2023 tentang Cipta Kerja, yang menempatkan Rencana Tata Ruang sebagai instrumen utama dalam sistem Online Single Submission Risk Based Approach (OSS-RBA) . Ketika zonasi cagar budaya tidak terintegrasi secara presisi dalam Rencana Tata Ruang Wilayah maupun Rencana Detail Tata Ruang, situs sejarah berpotensi tidak terbaca dalam sistem, sehingga membuka peluang legalisasi pemanfaatan ruang yang destruktif. Fragmentasi kelembagaan, ego sektoral, serta minimnya interoperabilitas data memperparah kegagalan pengendalian ruang, sebagaimana tercermin pada berbagai kasus di Borobudur, Kota Lama Semarang, Trowulan, dan Yogyakarta. Melalui penelitian hukum normatif dengan pendekatan perundang-undangan, konseptual, dan kasus, artikel ini menemukan bahwa akar persoalan terletak pada benturan paradigma, ketidakharmonisan substansi zonasi, serta absennya integrasi sistem izin. Kajian ini menawarkan strategi harmonisasi melalui integrasi substansi zonasi cagar budaya ke dalam RDTR, rekonstruksi prosedur OSS agar mewajibkan rekomendasi Tim Ahli Cagar Budaya pada tahap KKPR, serta penguatan infrastruktur data melalui Kebijakan Satu Peta. Penelitian ini menyimpulkan bahwa harmonisasi norma bukan sekadar penyelarasan administratif, melainkan agenda rekayasa sosial untuk memastikan pembangunan berjalan tanpa mengorbankan warisan sejarah bangsa.
PENGAWASAN RISIKO PEMBIAYAAN MIKRO SYARIAH MELALUI AKAD MURABAHAH PADA BANK SYARIAH INDONESIA AREA PEMATANG SIANTAR Emmi Rahmiwita Nasution; Nirwana Sukmawati
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 8 No. 4 (2025): November 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i4.4574

Abstract

Abstract: This study aims to analyze the risk supervision of Islamic microfinance through murabahah contracts at Bank Syariah Indonesia in the Pematang Siantar area. The research method used is qualitative with an empirical approach, through document studies, interviews, and observations on the financing mechanism. The results show that Bank Syariah Indonesia in the Pematang Siantar area has implemented risk supervision through a feasibility analysis process, system-based financing monitoring, and customer evaluation. Internal supervision is carried out starting from micro analysis to area management, thus being able to reduce the level of problem financing. Limited human resources and customer understanding regarding sharia principles in murabahah contracts. It can be concluded that risk supervision at Bank Syariah Indonesia in the Pematang Siantar area is generally effective in maintaining the quality of the Islamic microfinance portfolio, and Islamic financial literacy is needed for customers. Keywords: risk supervision; islamic microfinance; murabahah contract; islamic bank Abstrak: Penelitian ini bertujuan untuk menganalisis pengawasan risiko pembiayaan mikro syariah melalui akad murabahah pada Bank Syariah Indonesia Area Pematang Siantar. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan empiris, melalui studi dokumen, wawancara, serta observasi pada mekanisme pembiayaan. Hasil penelitian menunjukkan bahwa Bank Syariah Indonesia Area Pematang Siantar telah menerapkan pengawasan risiko melalui proses analisis kelayakan, pemantauan pembiayaan berbasis sistem, serta evaluasi terhadap kelayakan nasabah. Pengawasan internal dilakukan mulai dari analis mikro hingga manajemen area, sehingga mampu menekan tingkat pembiayaan bermasalah. Keterbatasan sumber daya manusia dan pemahaman nasabah terkait prinsip syariah dalam akad murabahah. Dapat disimpulkan bahwa pengawasan risiko di Bank Syariah Indonesia Area Pematang Siantar secara umum efektif menjaga kualitas portofolio pembiayaan mikro syariah, dan diperlukan literasi keuangan syariah kepada nasabah. Kata kunci: pengawasan risiko; pembiayaan mikro syariah; akad murabahah; bank syariah
Co-Authors Arya Rahmadansyah Debby Pratiwi Surbakti Deliyaman Giawa Elvis Ewane Emiel Salim Siregar Ernawati Manurung Evi Purnamawati Evi Purnamawati Henry Kristian Siburian Huzraimahasri Aminatitassya Dalimunthe Irda Pratiwi Irda Pratiwi Juwita Juwita Kiki Nur Aidah Loso Judijanto Meirad Arianza Bima Michael Turner Muhammad Salim Fauzi Lubis Mukhlisyin Habibi Nirwana Sukmawati Nuryati Solapari Rahmat Rahmat Rika Rahayu Rini Liana Risky Akbar Barus Robinson Situmorang Salman Al Dhaim Sri Mariani Sugianto, Efendi Suriani Suriani Tika Aulia Sitorus Tri Khartika Nurry Yuli Triastuti Zaid Afif Zulfahri Harahap