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Dewi Iryani
Universitas Bung Karno, Indonesia
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Legal Protection for Cryptocurrency Holders as a Means of Conducting Transactions in the Digital Age Robby Robby; Puguh Aji Hari Setiawan; Dewi Iryani
Journal of Social Research Vol. 5 No. 5 (2026): Journal of Social Research
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/josr.v5i5.3168

Abstract

The problem in this research is about the binding power of the use of cryptocurrencies in electronic business transactions as a medium for buying and selling transactions. Meanwhile, money in Islam is the same as the currency that is determined in the policy in Indonesia, namely it has value, is generally accepted, and has a certain type that has been determined. In addition, what is called a legal medium of exchange is only recognized as an asset, not a legal currency in Indonesia. This research uses a normative legal (library-based) approach with a statute approach to analyze legal regulations for crypto asset owners in conducting digital transactions in Indonesia. Based on the results of the research, it is known that there are differences between policy provisions electronic transactions and currency laws as well as the provisions of the Civil Code. The difference that exists occurs in business transactions using cryptocurrencies as currency in buying and selling transactions in the digital era using the internet network. The use of crypto does not have binding force in even though the terms and pillars of the agreement have been met. because it still contains elements of gharar, dharar and qimar in accordance with the opinions of the scholars and hasik of the 7th MUI Ijtima Ulama Year 2021.  Therefore, their use as a medium of exchange is considered prohibited and lacks legal protection under Indonesian law.
Legal Hierarchy and Access to Justice in Cooperative Bankruptcy Law: Reassessing SEMA No. 1/2022 Dewi Iryani; Binar Jon Vic S
Jurnal Sipakatau: Inovasi Pengabdian Masyarakat Vol. 3 No. 4 (2026): Jurnal Sipakatau
Publisher : PT. Global Research Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66314/sipakatau.v3i4.949

Abstract

This study examines whether Supreme Court Circular Letter (SEMA) No. 1/2022, which restricts bankruptcy petition authority against cooperatives exclusively to the Minister of Cooperatives and SMEs, is compatible with Law No. 37/2004 on Bankruptcy and Law No. 25/1992 on Cooperatives through legal hierarchy theory and access to justice principles. Method: Using statutory, conceptual, and case-based approaches, this normative legal research analyzes constitutional provisions, statutes, court decisions, and comparative frameworks from Germany and the Netherlands. Findings: The findings demonstrate that SEMA No. 1/2022 constitutes an ultra vires action violating the lex superior derogat legi inferiori principle by creating substantive norms contradicting Article 2(1) of the Bankruptcy Law. The restriction diminishes creditors’ constitutional right to access justice under Article 28D (1) of the 1945 Constitution while creating conflicts of interest in ministerial authority. PKPU (Penundaan Kewajiban Pembayaran Utang or Suspension of Debt Payment Obligations) petition authority is similarly affected. Comparative analysis reveals that Germany and the Netherlands maintain creditor standing while implementing procedural modifications protecting cooperative interests. Conclusion: This study proposes a Parallel Authority Model preserving creditor standing while enabling ministerial participation through notification and intervention mechanisms.  
Legal Certainty of the Transfer of Collection Rights (Cessie) in the Process of Postponement of Debt Payment Obligations (PKPU) and Bankruptcy Without Notification to the Debtor Moh Yusuf Pradhana; Dewi Iryani; Puguh Aji Hari Setiawan
Eduvest - Journal of Universal Studies Vol. 6 No. 6 (2026): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v6i6.52800

Abstract

The transfer of collection rights through the cessie mechanism is a common legal practice used in receivables transactions. However, in the context of the Suspension of Debt Payment Obligations (PKPU) and bankruptcy, the practice of cessie carried out without notice to the debtor still causes legal uncertainty, especially related to the protection of the rights of the parties. This study aims to analyze the legal arrangement of cessie without notification to the debtor based on applicable regulations and examine the form of legal protection for creditors in the PKPU and bankruptcy process. The research method used was normative juridical with a legislative approach and a conceptual approach. Research data was obtained through a literature study of relevant laws and regulations, legal doctrines, and court decisions. The results of the study show that the provisions of Article 613 of the Civil Code recognize the validity of cessie even without notification to the debtor, but sectoral regulations, especially Financial Services Authority Regulation Number 22 of 2023, require the debtor's notification or consent as a form of consumer protection. These differences in regulation give rise to legal dualism that has the potential to reduce legal certainty in PKPU and bankruptcy practices. This study concludes that regulatory harmonization is needed to ensure legal certainty and justice for creditors and debtors in the transfer of billing rights through cessie.
Co-Authors Abdillah, Ahmad Imaduddin Abdul Gani Abraham Prihadi Achmad Hidayat Ade Akhmad Saputra Adi Darmawansyah Adi Iksan Bureni Agustinus Darmanto Panjaitan Aji , Puguh Aji Hari Setiawan, Puguh amran rabani zubaidi Andri Ferdian Arbi Dalimunthe Arwan Arwan Aryasuta Faharsyah Setiawan Ayu Tresna Waty Baehaki, Imam Belinda, Suci Fidia Fitriza Bernadete Nurmawati Bernadete Nurmawati Bey Abwar, Irsyad Hamdie Binar Jon Vic S Binto Kusmadi Boas Parlindungan Panjaitan dadang dwi saputro David Ricardo, David Didik Suhariyanto Ellizabeth Febrianto, Andre Fitria, Myrna G. Nyoman Tio Rae Gomulia Oscar Gradios Nyoman Tio Gradios Nyoman Tio Rae Hamamudin, Hamamudin Handradjasa, Joshua Limanto Hari Setiawan, Puguh Aji Hartana Hartana Hartana , Hartana Hartana Hartana Hartana, Hartana Hawreyvian Rianda Seputra Herman, KMS Hie, Hengky Himawan Ismail ISMAIL ,, ISMAIL ISMAIL - Ismail Ismail Ismail Ismail Ismail Ismail Jayawarsa, A.A. Ketut Josef Swisman, Andreas Juniarty, Santy Kapanadze, Maia Karima, Shifa Kirana Pungki Apsari KMS Herman Legi, Arfi Nofri Lemta , Benjamin Lisaldy, Ferdinand Listiyaningsih, Listiyaningsih Maharani Putri Handayani Martunas Sianturi Moh Yusuf Pradhana Mohamad Rizki Irmansyah Myrna Fitria Natalia, Rachel Natassya Fachrina Nurmawati, Bernadete Nyoman Tio Rae Oscar, Gomulia Pandreadi, Kadek Permana, Mochammad Aditya Prasetyo Hadi Puguh Aji Hari Setiawan Puguh Aji Hari Setiawan Puguh Aji Hari Setiawan Putra, Erika Putri, Euginia Natania Putu Ayu Masrini Rae, Gradios Nyoman Tio Reka Dewantara Robby Robby russel butarbutar Russel Butarbutar S, Binsar Jon Vic Saat, Eli Saat, Erlim Salma Nur Azizah Samsiah, Tuti Sarwono, Sarif Setiawan, Puguh Aji Hari Shifa Karima Sihite, Thomas Ericson Hadinata Soni Barumuli Sriulina, Maria Eva Sudarsono, Putut Heri Sudirgo, Tony Sujono, Salsabilla Susetyo Rohadi Tarmudi Tarmudi Tio Rae, Gradios Nyoman Tjahjadi, Hamdani Tresna Waty, Ayu Udi Suhandoro Ummi Habsyah Umra, Alieffandy Unzur Jefri Tambunan Vic S, Binsar Jon