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All Journal Justici Ikrar : Jurnal Pengabdian Kepada Masyarakat
Rusmini Rusmini
Sekolah Tinggi Ilmu Hukum Sumpah Pemuda
Law, Crime, Criminology & Criminal Justice

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PERLINDUNGAN HUKUM TERRHADAP DATA NASABAH PERJANJIAN PINJAM MEMINJAM UANG SECARA ON LINE Rusmini Rusmini; Hj. Yonani Yonani
Justici Vol 14 No 1 (2021): Justici
Publisher : Fakultas Hukum Universitas IBA Palembang

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Abstract

The emergence of online lending and borrowing facilities through bringing together debtors (loan recipients) with investors / creditors (lenders) through the platform provided by the organizer which can easily be accessed by everyone is a credit facility without collateral to obtain a loan. The Financial Services Authority (OJK) has issued and enforced several regulations on legal protection for consumers in the financial services sector. Legal protection is all efforts to fulfill rights and provide assistance to provide a sense of security to witnesses and / or victims, legal protection of crime victims as part of community protection, can be realized in various forms, such as through the provision of restitution, compensation, medical services, and legal assistance
PERLINDUNGAN HUKUM TERHADAP NASABAH FINTECH PEER TO PEER LENDING DALAM KAITANNYA PELANGGARAN PRIVASI Rusmini Rusmini; Juniar Hartikasari; Husnaini Husnaini
Justici Vol 16 No 1 (2023): Justici
Publisher : Fakultas Hukum Universitas IBA Palembang

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ABSTRACT The progress of the digital world has developed at this time, one of which is regarding the method of payment which was originally only with cash turned into cashless or e-money, shopping that was previously face-to-face between sellers and buyers can now be done online. The Government through Bank Indonesia and the Financial Services Authority as the agency authorized to regulate Financial Technology. In its development, many fintechs have had problems, both legal fintech and illegal fintech because they are not in accordance with government regulations. Legal protection is an illustration of the working of legal functions to realize legal goals. The problem in this paper is how the government's role in protecting fintech customers in Indonesia is. This research is a normative juridical research, which only examines library materials or secondary data, which may include primary, secondary and tertiary legal materials. Increasing the effectiveness of financial inclusion programs for people who are not yet bankable and MSME actors as well as consumer protection are also important things to be developed. The program issued by the OJK will support the financial inclusion program issued by the Government. The OJK's consumer protection function will also be implemented in a balanced manner between the interests of consumers and the interests of the financial services sector. So that the protection of customers or consumers continues to be carried out properly without any party feeling aggrieved. The government in this case the Minister of Finance has made regulations related to financial services and so on which are contained in the Regulation of the Minister of Finance (PMK).
OPTIMALISASI PERAN PEMERINTAH DESA DALAM MENINGKATKAN PENDAPATAN ASLI DESA DESA KARANGAN KOTA PRABUMULIH Bambang Sugianto; Evi Oktarina; Rusmini Rusmini; Jauhari Jauhari; Husnaini Husnaini
Sumpah Pemuda : Jurnal Pengabdian Kepada Masyarakat Vol 1 No 1 (2025)
Publisher : Sekolah Tinggi Ilmu Hukum Sumpah Pemuda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46839/ijpkm.v1i1.1614

Abstract

Otonomi Desa diamanatkan dalam Undang-Undang Nomor 6 Tahun 2014 tentang Desa telah memberikan kewenangan kepada desa untuk mengelola keuangan desa, yang berasal dari bantuan pemerintah dan dana melalui usaha pemerintah desa seperti hasil retribusi desa dan laba BUMDesa untuk meningkatkan pendapatan asli desa. Tujuan penyuluhan untuk mengetahui dan mendorong Pemerintah Desa Karangan dalam meningkatkan Pendapatan Asli Desa, melalui pembentukan Badan Usaha Milik Desa dan regulasi retribusi desa sesuai dengan peran Pemerintah Desa. Pembentuk kebijakan dalam meningkatkan pendapatan desa melalui peraturan desa, pengembangan usaha milik desa dan melakukan optimalisasi pra-sarana desa dan membantu permodalan usaha desa, Peningkatkan pendapatan desa untuk pendanaan pelaksanaan pembangunan di Desa Karangan
PENINGKATAN LITERASI HUKUM TENTANG PEMBATALAN PERJANJIAN DI KELURAHAN SUKAYA KOTA PALEMBANG Rizki Fitri Amalia; Rusmini Rusmini; Muhamad Yosi Agustian; Jauhariah Jauhariah; Rena Silvia
Sumpah Pemuda : Jurnal Pengabdian Kepada Masyarakat Vol 1 No 1 (2025)
Publisher : Sekolah Tinggi Ilmu Hukum Sumpah Pemuda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46839/ijpkm.v1i1.1617

Abstract

Penyuluhan hukum mengenai pembatalan perjanjian di Kelurahan Sukajaya, Kecamatan Sukarami, Kota Palembang dilaksanakan untuk meningkatkan pemahaman masyarakat mengenai syarat sah perjanjian dan mekanisme pembatalannya. Banyak warga melakukan transaksi seperti jual beli, sewa menyewa, dan utang piutang tanpa dokumen tertulis, sehingga menimbulkan sengketa ketika terjadi pembatalan sepihak. Melalui metode sosialisasi, studi kasus, dan diskusi kelompok, kegiatan ini memberikan pemahaman praktis mengenai dasar hukum perjanjian, perbedaan antara pembatalan dan wanprestasi, serta risiko perjanjian informal dan transaksi digital. Hasil kegiatan menunjukkan peningkatan kesadaran masyarakat tentang pentingnya bukti tertulis dan pemenuhan syarat perjanjian sebagaimana diatur dalam Pasal 1320 KUH Perdata. Peserta juga lebih memahami alasan yang sah untuk pembatalan perjanjian serta langkah penyelesaian sengketa yang tepat. Penyuluhan ini diharapkan dapat mengurangi konflik hukum serta mendorong masyarakat bertindak lebih hati-hati dan sesuai hukum dalam setiap transaksi.
LEMBAGA ADAT SEBAGAI UPAYA PENGUATAN RESTORATIVE JUSTICE DI DESA DASPETAH KABUPATEN KEPAHIANG Bambang Sugianto; Windi Arista; Muhammad Nur Amin; Rusmini Rusmini
Sumpah Pemuda : Jurnal Pengabdian Kepada Masyarakat Vol 1 No 2 (2025)
Publisher : Sekolah Tinggi Ilmu Hukum Sumpah Pemuda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46839/ijpkm.v1i2.1764

Abstract

Daspetah Village, as the oldest and largest village in Ujanmas Subdistrict, Kepahiang Regency, has high social dynamics due to its large and heterogeneous population. The high level of social and economic activity among the community has led to various conflicts and violations of the law, such as fights, theft, and violence. Until now, conflicts have been resolved through deliberation, the police, or the courts, which often result in wasted time and money. The enactment of Law Number 1 of 2023 concerning the Criminal Code, which recognizes customary law as living law, opens up opportunities for the optimization of dispute resolution through non-litigation mechanisms based on customary law. This community service activity aims to establish and strengthen the Kutei Village Customary Institution as an institution for conflict resolution based on restorative justice. The method used is Participatory Action Research (PAR) through the stages of preparation, socialization, assistance, and evaluation, involving the village government, traditional leaders, religious leaders, and the community. The results of the activity show the formation of the Kutei Desa Customary Institution, which has legal standing based on Article 18B paragraph (2) of the 1945 Constitution, Law Number 6 of 2014 concerning Villages, and Kepahiang Regency Regulation Number 11 of 2016 concerning Rejang Kepahiang Customary Law. This institution has the authority to resolve customary disputes and minor violations through deliberation, mediation, and the imposition of customary sanctions using a restorative justice approach. The existence of the Kutei Desa Customary Institution has proven to have the support of the community and contributes to the resolution of conflicts in a more effective and fair manner, while preserving local wisdom values. Strengthening the capacity of customary leaders and sustainable mediation strategies are recommended to ensure the optimization of the role of customary institutions in a transparent and fair village legal system.
Co-Authors Bambang Sugianto Evi Oktarina Hj. Yonani Yonani Husnaini Husnaini Jauhari Jauhari Jauhariah Jauhariah Juniar Hartikasari Muhamad Yosi Agustian Muhammad Nur Amin Rena Silvia Rizki Fitri Amalia