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All Journal Jurnal Akta PALAR (Pakuan Law review) JURNAL DE JURE MUHAMMADIYAH CIREBON Jurnal Hukum Lex Generalis Dikmas: Jurnal Pendidikan Masyarakat dan Pengabdian Juris Prima: Jurnal Inovasi Hukum dan Kebijakan
Lindryani Sjofjan
Universitas Pakuan
Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences

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PRINSIP KEHATI-HATIAN (PRUDENTIAL BANKING PRINCIPLE) DALAM PEMBIAYAAN SYARIAH SEBAGAI UPAYA MENJAGA TINGKAT KESEHATAN BANK SYARIAH Lindryani Sjofjan
PALAR (Pakuan Law review) Vol 1, No 2 (2015): Volume 1 Nomor 2 Juli Desember 2015
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1017.533 KB) | DOI: 10.33751/palar.v1i2.927

Abstract

ABSTRAKFungsi utama dari perbankan yaitu sebagai lembaga yang menghimpun dana dari masyarakat dalam bentuk simpanan dan menyalurkannya kembali ke masyarakat dalam bentuk kredit atau pembiayaan (financial intermediary Institution). Mengingat pentingnya fungsi ini, maka upaya menjaga kepercayaan masyarakat terhadap perbankan menjadi bagian yang sangat penting untuk dilakukan. Oleh karena itu, dalam beberapa ketentuan perbankan dijabarkan rambu-rambu penerapan pelaksanaan prinsip kehati-hatian (prudential banking principle) dalam dunia perbankan, yang harus dipatuhi oleh semua bank. Prinsip yang digunakan dalam perbankan syariah adalah prinsip kehati-hatian dan prinsip syariah. Dimana kepatuhan terhadap prinsip- prinsip tersebut berpengaruh terhadap tingkat kesehatan bank syariah itu sendiri. Prinsip kehati-hatian (prudential banking principle) adalah kehati-hatian bank untuk meminimalkan risiko usaha operasional bank dengan berpedoman kepada ketentuan bank sentral dan ketentuan intern bank. Tujuannya, agar bank selalu dalam keadaan sehat, likuid dan solvent. Diabaikannya penerapan prinsip kehati-hatian tersebut oleh bank, baik oleh bank konvensional maupun oleh bank syariah tentu akan berdampak pada kerugian dan risiko terhadap bank itu sendiri. Oleh karena itu, di dalam memberikan fasilitas pembiayaan, setiap bank harus lebih memperhatikan aspek personality yang dapat diketahui dengan menerapkan prinsip 5 C (the five cs of credit analysis). Pihak bank syariah, sebaiknya secara aktif melaksanakan prinsip kehati-hatian (prudential banking principle), untuk menumbuhkan kepercayaan masyarakat pada bank syariah.Kata Kunci: Bank Sayriah, resiko, Prinsip kehati-hatianABSTRACTThe main function of banking is as an institution that collects funds from the public in the form of deposits and channel them back to the community in the form of credit or financing (financial intermediary Institution). Considering the importance of this function, efforts to maintain public trust in banks are a very important part to do. Therefore, in several banking regulations the guidelines for the implementation of prudential banking principles are applied in the banking world, which must be obeyed by all banks. The principles used in Islamic banking are the principle of prudence and sharia principles. Where adherence to these principles affects the soundness of the Islamic bank itself. The prudential banking principle is the prudence of banks to minimize the risk of bank operational business by referring to central bank regulations and bank internal regulations. The goal is that banks are always in a healthy, liquid and solvent condition. Ignoring the application of the precautionary principle by banks, both by conventional banks and by Islamic banks, of course will have an impact on losses and risks to the bank itself. Therefore, in providing financing facilities, each bank must pay more attention to aspects of personality that can be identified by applying the 5 C principle (the five cs of credit analysis). Islamic banks should actively implement the prudential banking principle to foster public confidence in Islamic banks.Keywords: Bank Sayriah, risk, the Principle of prudence 
ASPEK HUKUM PERDATA RAHASIA BANK BERKAITAN DENGAN REFERENSI DATA NASABAH BANK KEPADA PERUSAHAAN ASURANSI (DITELITI DI BANK MUAMALAT KANTOR CABANG BENGKULU CURUP) Lindryani Sjofjan; Herli Antoni; Eka Ardianto; Dinda Aurora Charina
PALAR (Pakuan Law review) Vol 8, No 4 (2022): Volume 8, Nomor 4 Oktober-Desember 2022
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (856.024 KB) | DOI: 10.33751/palar.v8i4.6621

Abstract

AbstrakTujuan Penelitian ini membahas mengenai aspek hukum perdata rahasia bank berkaitan dengan referensi data nasabah Bank Muamalat Kantor Cabang Bengkulu Curup. Pokok permasalahan dalam penelitian ini adalah adanya beberapa nasabah yang mengeluhkan tentang perusahaan asuransi yang terus menghubungi nasabah untuk menawarkan produk asuransinya. Hal ini menimbulkan ketidaknyamanan dari nasabah karena nasabah merasa bahwasanya bank tidak mampu untuk melindungi data pribadi nasabahnya, dan telah melakukan hal yang tidak sesuai dengan aspek hukum perdata. Dimana data pribadi nasabah merupakan rahasia bank yang harus dilindungi karena merupakan hak nasabah untuk dilindungi rahasianya sesuai dengan yang telah diatur oleh undang-undang yang harus dipatuhi serta dijunjung tinggi oleh lembaga perbankan dan tidak bisa disebarluaskan tanpa persetujuan dari nasabah sendiri. Penelitian ini bertujuan untuk mengetahui proses Bank Muamalat Kantor Cabang Bengkulu Curup mereferensikan data nasabahnya kepada pihak ketiga yang menjalin kerjasama dengan bank yang dalam hal ini adalah perusahaan asuransi dan bagaimana proses perusahaan asuransi menawarkan produknya ke nasabah Bank Muamalat. Serta bagaimana upaya penyelesain yang dilakukan Bank Muamalat Kantor Cabang Bengkulu Curup menghadapi keluhan nasabahnya. Metode yang digunakan adalah deskriptif analitis, dengan menganalisis data yang diperoleh dari hasil pengamatan, wawancara, dokumen dan catatan yang berasal dari Bank Muamalat Kantor Cabang Bengkulu Curup. Hasil dari wawancara menunjukan bahwa saat ini di Bank Muamalat ketika melakukan pembukaan rekening nasabah akan terlebih dahulu diminta persetujuan apakah data pribadi yang nasabah serahkan boleh diinformasikan dengan pihak lain yang bekerjasama dengan bank atau tidak. Dan bagi perusahaan asuransi yang bekerjasama dengan Bank Muamalat harus berkoordinasi terlebih dahulu kepada Bank Muamalat dalam melakukan penawaran produknya ke nasabah Bank Muamalat.  kata kunci: Aspek Hukum Perdata, Rahasia Bank, Perusahaan Asuransi. AbstractThe purpose of this research is to discuss the aspects of bank secrecy civil law relating to customer data references at Bank Muamalat Curup Bengkulu Branch Office. The main problem in this study is that there are several customers who complain that insurance companies continue to contact customers to offer their insurance products. This creates inconvenience for customers because customers feel that banks are unable to protect their customers' personal data, and have done things that are inconsistent with aspects of civil law. Where the customer's personal data is a bank secret that must be protected because it is the customer's right to keep its secrets in accordance with what has been regulated by law which must be obeyed and upheld by banking institutions and cannot be disseminated without the approval of the Bank. own customers. This study aims to determine the process of Bank Muamalat Curup Bengkulu Branch Office referring customer data to third parties who work with banks, in this case insurance companies, and how insurance companies offer their products to Bank Muamalat customers. As well as the settlement efforts made by Bank Muamalat Curup Bengkulu Branch Office in handling customer complaints. The method used is descriptive analysis, by analyzing data obtained from observations, interviews, documents and records originating from Bank Muamalat Curup Bengkulu Branch Office. The results of the interviews show that currently at Bank Muamalat when opening a customer's account, they are first asked for their consent whether the personal data that can be submitted by the customer can be shared with other parties who work with the bank or not. And insurance companies that cooperate with Bank Muamalat must coordinate with Bank Muamalat in advance in offering their products to Bank Muamalat customers. keywords: Aspects of Civil Law, Bank Confidentiality, Insurance Companies. 
Peningkatan Pendapatan Masyarakat Melalui Pemanfaatan Lahan Kosong Untuk Budidaya Tanaman Cabe Carolina Reaper HP22BNH7 (Capsicum Chinense) Herli Antoni; Asmak Ul Hosnah; Gagah Arjunaman Elit; Yennie K Milono; Lindryani Sjofjan
Dikmas: Jurnal Pendidikan Masyarakat dan Pengabdian Vol 3, No 2 (2023): June
Publisher : Magister Pendidikan Nonformal Pascasarjana Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37905/dikmas.3.2.333-338.2023

Abstract

Cabe Carolina Reaper HP22BNH7 (Capsicum Chinense) merupakan salah satu tanaman hortikultura dari jenis sayuran yang memiliki buah dengan Ukuran varietas ini cukup kecil, sekitar dua setengah hingga lima setengah sentimeter atau sekitar dua buku jari orang dewasa. Permukaan kulitnya cenderung bergelombang, meski beberapa Carolina Reaper memiliki permukaan kulit yang halus. dengan tingkat kepedasan hingga 1.400.000 hingga 2.200.000 Scoville Heat Units. Cabe jenis ini masih sangat jarang dibudidayakan oleh para petani karena tingkat kesulitan pembudidayaan dan masih kurangnya literasi tentang tanaman ini namun cabe jenis ini memiliki nilai Ekonomi yang pantastis dan bernilai tinggi. Tanaman ini mempunyai banyak manfaat terutama pada buahnya, yaitu sebagai bumbu masak, bahan campuran industri makanan dan berbagai inovasi makanan ringan yang akhir-akhir ini sangat buming di kalangan anak muda yang memiliki ketertarikan makanan pedas.. Di Semende Farm tanaman ini tergolong baru dan masih tahap percobaan dari hasil bibit yang kami miliki sehingga keinginan untuk meningkatkan serta mengembangkan tanaman cabe jenis ini sangat tinggi di lihat dari nilai ekonomis yang sangat baik. Teknik budidaya cabe ini merupakan salah satu cara untuk memproduksi cabe dengan mengedepankan produk yang sehat. Kenaikan harga cabe berdampak terhadap pendapatan keluarga. Oleh karenanya PKM ini bertujuan untuk meningkatkan pendapatan masyarakat dengan memanfaatkan Lahan Kosong untuk menanam cabe Carolina Reaper HP22BNH7 (Capsicum Chinense).
PERTANGGUNGJAWABAN HUKUM TERHADAP KEJAHATAN CYBER DALAM DOMPET DIGITAL DI ERA FINTECH PADA APLIKASI DANA Raymond, Raymond Marhehetua Hutahaean; Gumilar, Ridho Waridan; Maulana, F. Rizky; Al' Daffa, M. Arysa; Sjofjan, Lindryani
Jurnal De Jure Muhammadiyah Cirebon Vol 9 No 1 (2025): De Jure Muhammadiyah Cirebon (DJMC)
Publisher : Fakultas Hukum Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/djmc.v9i1.7195

Abstract

The rapid development of information technology has driven the transformation of financial systems into more digital forms through innovations in financial technology (fintech). One of the most popular fintech products in Indonesia is digital wallets, such as the DANA application. However, the convenience of digital transactions also creates vulnerabilities to cybercrime, which can harm users. This study aims to analyze the legal liability for cybercrime in the use of the DANA digital wallet, as well as to evaluate the effectiveness of existing regulations in protecting consumers. The research method used is normative juridical, with a statutory and case study approach. Data were obtained through literature review, documentation, and analysis of cybercrime cases involving the DANA application. The results of the study indicate that perpetrators of cybercrime involving digital wallets can be sanctioned under the Law on Electronic Information and Transactions (ITE Law), the Consumer Protection Law, and other relevant regulations. However, there are still weaknesses in law enforcement, particularly in tracking down perpetrators and providing compensation to victims. In addition, digital wallet providers are also responsible for enhancing their security systems and ensuring transparency in user data protection. In conclusion, legal accountability for cybercrime in digital wallets is not yet fully effective, and synergy between regulators, law enforcement agencies, and fintech industry players is needed to create a secure and trustworthy digital financial ecosystem. Keywords: Cybercrime, Digital Wallet, Legal Liability
The Exploitation of Artificial Intelligence in Digital Artworks: The Challenges of Copyright Recognition in the Post-Human Era Sjofjan, Lindryani; Nugraha, Roby Satya
JURNAL AKTA Vol 12, No 3 (2025): September 2025
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v12i3.46789

Abstract

The purpose of this research is to provide an in-depth explanation that the development of artificial intelligence technology (AI) has revolutionized the process of creating digital artworks. AI is now able to produce works that resemble, even surpass, human creations. This phenomenon poses significant legal challenges, especially related to copyright recognition. In the context of the post-human era, where the boundaries between humans and machines are increasingly blurred, the fundamental question arises as to who deserves to be called a creator: human, machine, or both. This article examines the current copyright legal framework and examines the extent to which legal norms are able to accommodate the existence of AI as a creative entity. The method used is a normative juridical approach with analysis of national and international regulations, as well as case studies of a number of AI-based digital artworks. The findings show that the current legal system is not fully ready to regulate the protection of copyrights involving AI autonomously. Therefore, regulatory updates are needed that are responsive to technological advances and still ensure justice for creative actors in the digital era.
PERLINDUNGAN JURNALIS DIDAERAH KONFLIK BERSENJATA SUDUT PANDANG HUKUM PIDANA INTERNASIONAL STUDI KASUS PENEMBAKAN SHIREEN ABU AKLEH JURNALIS AL JAZEERA Antoni, Herli; Sjofjan, Lindryani; Iskandar, Eka Ardianto; ., Suhermanto
PALAR (Pakuan Law review) Vol 10, No 1 (2024): Volume 10, Nomor 1 Januari-Maret 2024
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/palar.v10i1.9638

Abstract

 The aim of this research is to analyze and describe the protection of journalists working in areas of armed conflict from the perspective of International Criminal Law in the case of the shooting of a journalist at the largest news agency in Arabia called Al Jazeera, journalist Shireen Abu Akleh. Shireen Abu Akleh was shot and killed by Israeli soldiers while she and fellow journalists were covering an Israeli army attack on the Jenin City area in the Palestinian West Bank on May 11 2022. Based on this case, the journalist was carrying out his work in an area of armed conflict. is the most dangerous job, because they have to be as close as possible to the conflict area to cover the news. Journalists have an important role in areas of armed conflict, namely conveying the current situation and conditions in areas of armed conflict to the general public. Therefore, journalists who are working in areas of armed conflict must be protected by laws and regulations. In terms of International Criminal Law, the protection of journalists is regulated in International Humanitarian Law which is contained in the 1949 Geneva Convention, the Rome Statute, the 1907 Hague Convention, and Additional Protocol I to the 1977 Geneva Convention. Key Words: International Humanitarian Law, Journalist, Armed Conflict Area AbstrakTujuan Penelitian ini untuk menganalis dan menggambarkan tentang suatu perlindungan jurnalis yang bertugas di daerah konflik bersenjata dari segi Hukum Pidana Internasional terhadap kasus penembakan seorang jurnalis dikantor berita terbesar di arab yang bernama kantor Al Jazeera yang bernama wartawati Shireen Abu Akleh. Shireen Abu Akleh ditembak dan dibunuh oleh tentara Israel pada saat dia dan rekan wartawan sedang meliput serangan tentara Israel di wilayah bagian Kota Jenin di Tepi Barat Palestina pada tanggal 11 Mei 2022. Berdasarkan pada kasus tersebut, wartawan yang sedang melakukan pekerjaan nya di daerah konflik bersenjata merupakan pekerjaan yang paling berbahaya, karena mereka harus sedekat mungkin berada di daerah konflik untuk melakukan peliputan berita. Wartawan memiliki peranan penting di daerah konflik bersenjata, yaitu menyampaikan situasi dan kondisi terkini di daerah konflik bersenjata kepada masyarakat umum. Maka dari itu, wartawan yang sedang bekerja di daerah konflik bersenjata harus dilindungi oleh hukum dan peraturan. Dari segi Hukum Pidana Internasional, perlindungan wartawan diatur dalam Hukum Humaniter Internasional yan termuat dalam Konvensi Jenewa 1949, Statuta Roma, Konvensi Den Haag 1907, dan Protokol Tambahan I Konvensi Jenewa 1977. Key Words: Hukum Humaniter Internasional, Wartawan, Daerah Konflik Bersenjata
Studi Kasus Pengaturan Green Banking dalam Peraturan Perundang-Undangan Indonesia: Peluang dan Tantangan Arista Nadiariani; Naura Fairusyifa Tridewo; Kasyifa Alifya Anfasha; Diffa Aulia Putri Syadena; Dahlia Bunga Rembulan; Lindryani Sjofjan
Jurnal Hukum Lex Generalis Vol 6 No 8 (2025): Tema Hukum Pemerintahan
Publisher : CV Rewang Rencang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56370/jhlg.v6i4.1487

Abstract

Green banking regulation in Indonesia remains sectoral and lacks a comprehensive legal framework, relying on instruments like POJK No. 51/2017 and Presidential Regulation No. 59/2017. Key challenges include weak legal enforcement, supervision, inter-agency coordination, and the risk of greenwashing. Nevertheless, green banking holds significant potential to support the transition toward Net Zero Emission by 2060. Strategic steps are needed, including the establishment of specific laws, regulatory strengthening, policy harmonization, provision of incentives, and capacity building to achieve inclusive and sustainable green economic development.
Perlindungan Hukum bagi Konsumen terhadap Penyalahgunaan Platform Trading Cryptocurrency di Indonesia Herli Antoni; Lindryani Sjofjan; Eka Ardianto Iskandar; Tatang Tatang
Juris Prima: Jurnal Inovasi Hukum dan Kebijakan Vol. 2 No. 01 (2026): Juris Prima: Jurnal Inovasi Hukum dan Kebijakan
Publisher : Yayasan Pendidikan Kardin Assidiq

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63868/jihk.v2i01.87

Abstract

The rapid advancement of information technology and economic digitalization has introduced cryptocurrency as a significant innovation in the global financial sector. In Indonesia, cryptocurrencies are increasingly popular as both investment instruments and commodities on various trading platforms. However, the proliferation of cryptocurrency usage presents numerous legal challenges, particularly concerning consumer protection. The inherent characteristics of cryptocurrency transactions—namely being digital, decentralized, and anonymous—create vulnerabilities to abuse by trading platforms, including fraud, market manipulation, and breach of contract. This situation was exacerbated by the absence of specific regulations and weak supervision during the early stages of crypto asset development in Indonesia. This study aims to analyze the existing forms of legal protection for consumers in Indonesian cryptocurrency transactions, identify the factors contributing to trading platform abuses, and evaluate the effectiveness of the Financial Services Authority (OJK) in safeguarding consumers. Utilizing a normative juridical approach supplemented by empirical studies, the research reveals that consumer protection in this sector urgently requires regulatory strengthening, particularly regarding information transparency, dispute resolution mechanisms, and platform supervision. Furthermore, the transition of regulatory and supervisory authority from Bappebti to the OJK and Bank Indonesia in 2025 represents a crucial step toward enhancing legal protection and certainty. The findings of this research are intended to provide valuable insights for the government, OJK, and relevant stakeholders to formulate adaptive policies that effectively protect consumer rights and foster a healthy, sustainable digital financial ecosystem.
Co-Authors ., Suhermanto Al' Daffa, M. Arysa Arista Nadiariani Asmak UI Hosnah Dahlia Bunga Rembulan Diffa Aulia Putri Syadena Dinda Aurora Charina Eka Ardianto Eka Ardianto Iskandar Eka Ardianto Iskandar Gagah Arjunaman Elit Gumilar, Ridho Waridan Herli Antoni Herli Antoni Herli Antoni Herli Antoni Kasyifa Alifya Anfasha Maulana, F. Rizky Naura Fairusyifa Tridewo Raymond, Raymond Marhehetua Hutahaean Roby Satya Nugraha Tatang Tatang Yennie K Milono