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Pengaturan pemberian kredit pada dunia perbankan di indonesia Indra Gunawan Purba; Anjani Sipahutar; Irwansyah Irwansyah
Jurnal Normatif Vol. 2 No. 2 (2022): Desember 2022
Publisher : Fakultas Hukum Universitas Al Azhar Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54123/jn.v2i2.230

Abstract

Bank merupakan kembaga intermediasi, fungsi utama perbankan sebagai lembaga intermediasi yaitu menghimpun dan menyalurkan dana masyarakat serta bertujuan untuk menunjang pelaksanaan pembangunan nasional dalam rangka meningkatkan pemerataan pembangunan dan hasil-hasilnya, pertumbuhan ekonomi dan stabilitas nasional, kearah peningkatan taraf hidup rakyat banyak. Menyalurkan dana ke masyarakat artinya dalam bentuk kredit. Kredit dalam dunia perbankan sangat penting pernanya, oleh karena itu dalam menyalurkan kredit bank dibatasi oleh aturan-aturan. Pengaturan pemberian kredit di dunia perbankan untuk menjaga penyalahgunaan kewenangan yang diberikan bank dalam mengelola uang yang dititpkan masyarakat kepadanya. Penyalahgunaan kekuasaan yang dalam memberikan kredit memiliki konsekuensi antara lain diatur dalam Undang-undang perbankan yang dapat dipidana. Oleh karena itu mengetahui pengaturan pemberian kredit pada usaha perbankan memicu peneliti untuk melakukan penelitian ini. Penelitian ini berjudul Pengaturan Pemberian Kredit pada dunia perbankan di Indonesia
Analisis yuridis tindak pidana pencemaran laut menurut Undang-Undang Nomor 32 TAHUN 2009 tentang perlindungan dan pengelolaan lingkungan hidup Warsiman Warsiman; Maswita Maswita; Anjani Sipahutar; Jarnawi Hadi Saputra Tanjung
Jurnal Normatif Vol. 3 No. 1 (2023): Juni 2023
Publisher : Fakultas Hukum Universitas Al Azhar Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54123/jn.v3i1.271

Abstract

Permasalahan lingkungan telah menjadi salah satu isu penting dalam dunia, dimana suatu permasalahan lingkungan yang terjadi di suatu negara telah menjadi tanggungjawab dunia internasional. Permasalahan lingkungan yang terjadi meliputi pencemaran lingkungan, degradasi sumber daya dan pemanasan global. Pencemaran lingkungan adalah salah satu bentuk kerusakan lingkungan yang terjadi akibat kegiatan atau aktivitas manusia ataupun secara alami, selain pencemaran tanah dan udara, pencemarn air laut juga menjadi salah satu masalah yang banyak di hadapi oleh beberapa negara di dunia. Pencemaran laut dapat didefinisikan sebagai peristiwa masuknya partikel kimia, limbah industri, pertanian dan perumahan, kebisingan atau penyebaran organisme invasive (asing) ke dalam laut, yang berpotensi memberi efek berbahaya. Dalam sebuah kasus pencemaran, banyak bahan kimia yang berbahaya berbentuk partikel kecil yang kemudian diambil oleh plankton dan binatang dasar yang sebagian besar adalah pengurai ataupun filter feeder (menyaring air). Sebagai negara kepulauan dengan luas wilayah perairan yang sangat luas, Indonesia hanya memiliki undang-undang yang mengatur tentang kelautan yakni Undang-Undang Nomor 32 tahun 2014. Di dalam undang-undang tersebut digunakan untuk mengontrol dan mengawasi semua jenis kegiatan di perairan Indonesia. Dalam ketentuan umum Undang-Undang Kelautan disebutkan bahwa laut adalah ruang perairan di muka bumi yang menghubungkan daratan dengan daratan dan bentuk-bentuk ilmiah lainnya, yang merupakan kesatuan geografis dan ekologis beserta segenap unsur terkait dan yang batas dan sistemnya ditentukan oleh peraturan perundang-undangan dan hukum internasional.. Undang-undang Kelautan juga menjelaskan mengenai perlindungan lingkungan laut adalah upaya sistematis dan terpadu yang dilakukan untuk melestarikan sumber daya kelautan dan mencegah terjadinya pencemaran dan/atau kerusakan lingkungan di laut yang meliputi konservasi laut, pengendalian pencemaran laut, penanggulangan bencana kelautan, pencegahan dan penanggulangan pencemaran, serta kerusakan dan bencana. Pengelolaan dan perlindungan lingkungan hidup khususnya di bidang kelautan sangat dibutuhkan dan memang harus diterapkan segala peraturan yang tertuang di dalam peraturan perundang-undangan yang berkaitan dengan hal tersebut. Dikarenakan agar terjaganya kestabilan perekonomian khususnya yang berkediaman di pesisir laut dan tentu akan terjaganya ekosistem kelautan.
Penerapan Hukum terhadap anak sebagai pelaku penyalahgunaan Narkotika Warsiman Warsiman; Jarnawi Hadi Saputra; Anjani Sipahutar
Jurnal Normatif Vol. 3 No. 2 (2023): Desember 2023
Publisher : Fakultas Hukum Universitas Al Azhar Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54123/jn.v3i2.316

Abstract

Abuse of narcotics can result in a dependency syndrome if its use and distribution are not monitored. Narcotics abuse encourages illicit trafficking and causes an increase in abuse that is increasingly widespread and has an international dimension. Therefore, efforts to prevent and control narcotics abuse and efforts to eradicate illicit trafficking are needed. General Provisions in the explanation of Law Number 35 of 2009 concerning Narcotics, the definition of narcotics is a substance or medicine that is very useful and necessary for the treatment of certain diseases. However, if it is used not following treatment standards, it can have very detrimental consequences for individuals and society, especially the younger generation. Narcotics etymologically comes from the Greek Narkoum, which means to paralyze or make numb. Narcotics have properties and are useful for use in the medical field, useful for research, and pharmaceutical science. In this era of globalization, some crimes align children as perpetrators of criminal acts and in cases of abuse that are prohibited in criminal law, one of which is the crime of narcotics abuse. In this case, there is a lot of narcotics spread that has penetrated even remote levels of society, touching and highlighting children who still have a low level of thinking as the main targets or victims. Where, without us realizing it, the potential for children to be indirectly involved in the misuse of very dangerous items is due to factors involving adults. In this case, the main factor that triggers the child to face the law in a narcotics case comes from outside himself, including the very minimal attention of parents (family), and also accompanied by social environmental factors. These two factors simultaneously cause children to often fall into crimes which unknowingly lead the child to become involved in narcotics. Of course, this involvement often occurs when children do not yet have maturity in terms of thinking patterns, so there is a very high potential that a crime will occur. Apart from that, there is a culture of joining in and the participation of adults who try to persuade children to commit crimes that are very detrimental to their future
Sinergitas Kewenangan Polri dan Pemerintah Daerah dalam bidang pemeliharaan keamanan dan ketertiban masyarakat dalam otonomi kedaerahan Umi Khairiah; Ervina Sari Sipahutar; Warsiman; Anjani Sipahutar
Jurnal Normatif Vol. 4 No. 1 (2024): 30 Juni 2024
Publisher : Fakultas Hukum Universitas Al Azhar Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54123/jn.v4i1.352

Abstract

Di negara Republik Indonesia, tanggung jawab keamanan ada pada institusi Kepolisian Negara Republik Indonesia (Polri). Atas dasar pemberian otonomi, kewenangan tersebut juga ada pada pemerintah daerah. Kewenangan Polri dalam UU RI No. 2 Tahun 2002 adalah sebagai penyelenggara salah satu fungsi pemerintahan di bidang pemeliharaan keamanan dan ketertiban masyarakat. Sedangkan Kepala Daerah berdasarkan UU RI No. 23 Tahun 2014 tentang Pemerintahan Daerah berkewajiban untuk menjaga ketenteraman dan ketertiban di daerah. Kewenangan yang dimiliki pemerintah daerah dalam terminologi otonomi tersebut memungkinkan dibuatnya berbagai perangkat-perangkat berupa aparatur daerah yang berfungsi sebagai pendukung dari pelaksanaan pemerintahan di daerahnya. Salah satu aparatur yang bertugas sebagai pendukung dari pelaksanaan pemerintahan daerah adalah Satuan Polisi Pamong Praja (Satpol PP). Keberadaan Satpol PP merupakan bagian dari proses penegakan hukum sebagai perangkat pemerintah daerah yang diperlukan guna mendukung suksesnya pelaksanaan otonomi daerah. Dalam pelaksanaan tugasnya, kewenangan Pemerintah Daerah melalui Satpol PP sering tumpang tindih dan berbenturan dengan penegak hukum yang lain terutama polisi. Kondisi ini menghasilkan friksi antara kewenangan Polisi sebagai aparat sentralistis dengan Satpol PP yang merupakan aparat Pemda yang otonom meskipun kehadiran Satpol PP sendiri dapat memberikan kontribusi dalam membantu kepolisian untuk bertugas di lapangan.
Penyuluhan hukum tentang pentingnya pendaftaran tanah di Desa Empus Kecamatan Bahorok Kabupaten Langkat Maswita, Maswita; Khairiah, Umi; Sipahutar, Anjani; Rigitta, Prinsi; Ramadhan, Andri
Jurnal Derma Pengabdian Dosen Perguruan Tinggi (Jurnal DEPUTI) Vol. 5 No. 1 (2025): Januari 2025
Publisher : LPPM Universitas Al-Azhar medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54123/deputi.v5i1.404

Abstract

The use of internet technology today has resulted in the dissemination of information in all fields easily and quickly globally. One thing that plays a role in this is translation activities, which allow information to be shared in different languages. Translation is an activity and product that is very important for anyone who eager know or introduce things belonging to a group, culture or nation to others. Learning to translate starts from the initial phase of learning a foreign language, but the translation ability is not automatically obtained by mastering a foreign language. Considering that translation is a potential field for the translator profession, the younger generation, especially students majoring in translation, need to be motivated to work in the field of translation which is beneficial to support their achievements in academics as well as in their careers and professional lives in the future..
Kewenangan BPSK dan BMAI dalam menyelesaikan sengketa asuransi Antara perusahaan asuransi dan pemegang polis asuransi Sipahutar, Anjani; Sipahutar, Ervina Sari; Fauzi, Muhammad
Jurnal Normatif Vol. 4 No. 2 (2024): Desember 2024
Publisher : Fakultas Hukum Universitas Al Azhar Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54123/jn.v4i2.394

Abstract

Disputes can occur in various sectors, one of which occurs in the insurance sector. If there is a dispute or insurance dispute between the insurer and the insured, the parties to the dispute can choose to resolve the dispute they are experiencing through court/litigation or outside court/non-litigation. Dispute resolution that is resolved through court/litigation is regulated in Article 1266 of the Civil Code, and dispute resolution outside of court can be done through Alternative Dispute Resolution (ADR). Based on statutory regulations in effect until 2019, the LAPS established for disputes in the insurance sector is the Indonesian Insurance Mediation and Arbitration Agency (BMAI). One example of a dispute in the insurance sector that was resolved through alternative dispute resolution is the case of Decision Number 17/Pdt.Sus-BPSK/2021/PN Llg
TINGKAT PENGETAHUAN DAN SIKAP MASYARAKAT TENTANG ANTIBIOTIK DI KELURAHAN MANDAILING KECAMATAN TEBING TINGGI KOTA Septiana, Lilik; Hafizhatul Abadi; Sipahutar, Rizki Anjani; Zulmai Rani
FARMASAINKES: JURNAL FARMASI, SAINS, dan KESEHATAN Vol. 4 No. 2 (2025): FARMASAINKES: JURNAL FARMASI, SAINS dan KESEHATAN
Publisher : Fakultas Farmasi Universitas Muslim Nusantara Al Washliyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32696/farmasainkes.v4i2.4006

Abstract

Antibiotics are a group of compounds, both natural and synthetic, that have the effect of suppressing or stopping a biochemical process in an organism, especially in the process of infection by bacteria. This study only describes the object of the study by collecting questionnaire data from the community to determine the knowledge and attitudes of the community about antibiotics in Mandailing Village, Tebing Tinggi District, City. The results of the study obtained from univariate analysis found that the level of knowledge of respondents in the high category was 34 people (35.79%), in the moderate category was 47 people (49.47%), and in the low category was 14 people (14.74%). The total score was 680. At the level of attitude, respondents in the good category were 21 people (22.10%), in the sufficient category were 22 people (23.16%), and in the less category were 52 people (54.74%); the total score was 529. At the level of community knowledge, it was in the moderate category (71.57%), community attitudes were in the less category (55.68%), and there was a relationship between age, education, and occupation with the level of knowledge; there was a relationship between education and occupation with community attitudes about antibiotics; there was a relationship between the level of knowledge and community attitudes about antibiotics in the use of antibiotics in Mandailing Village, Tebing Tinggi District, City.
Tinjauan Yuridis Penangkapan Ikan Secara Illegal (Illegal Fishing) Menurut Undang Undang Nomor 45 Tahun 2009 Tentang Perikanan Warsiman Warsiman; Ervina Sari Sipahutar; Anjani Sipahutar
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 5, No 3 (2023): Journal of Education, Humaniora and Social Sciences (JEHSS), February
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (304.741 KB) | DOI: 10.34007/jehss.v5i3.1551

Abstract

Indonesia is a country where most of its territory consists of oceans with a population whose development continues to increase and can be expressed in meeting the needs of life, especially in coastal areas, such as fishermen who live in coastal areas generally using a source of life from the marine and fisheries sector. Indonesia as an archipelagic country surrounded by oceans has a strategic position and extraordinary potential with territorial waters, both archipelagic waters and inland waters. In addition, the Indonesian seas also include the sea waters of the Exclusive Economic Zone (EEZ). The economic loss caused by the practice of illegal fishing does not only result in loss of state revenues but also loss of opportunities for catching fish by Indonesian fishermen. If examined more deeply, it can be said that illegal fishing causes a lot of losses, not just counting how many fish have been stolen, but the impact is even wider, the financial burden is borne by the state, such as fuel subsidies (BBM) which are ultimately enjoyed by ships. -illegal vessels, reduced non-tax revenue (PNBP), reduced Indonesian fishermen's job opportunities, because illegal vessels are foreign ships that use their own crew (ABK), catches are generally brought directly abroad (country from ships), threats to the sustainability of fish resources because catches are not detected, both in type, size and quantity.
Pengaturan Hukum dan Pertanggungjawaban Pidana dalam Program Makan Bergizi Gratis (MBG) dalam Kajian Prinsip Pelayanan Publik dan Akuntabilitas Negara Khairiah, Umi; Saputra, Jarnawi Hadi; Warsiman; Sipahutar, Anjani
Jurnal Ilmiah Penegakan Hukum Vol. 12 No. 2 (2025): JURNAL ILMIAH PENEGAKAN HUKUM DESEMBER
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jiph.v12i2.14087

Abstract

The Free Nutritious Meal Program (Makan Bergizi Gratis/MBG) is a strategic government policy aimed at improving community nutritional quality, reducing stunting rates, and expanding access to healthy food for vulnerable groups. As a part of public services, the program must be implemented based on the principles of transparency, accountability, and legal certainty as mandated by the 1945 Constitution, the Food Law, Consumer Protection Law, Public Service Law, and State Finance Law. This study employs a normative juridical method using statutory, conceptual, and analytical approaches to examine the legal framework, potential criminal liabilities, and normative proposals to strengthen the accountability of the MBG program. The findings indicate that, although the MBG program has a strong normative legal foundation, the absence of comprehensive technical regulations still poses risks of overlapping authorities, inconsistent standards, and weak oversight. Furthermore, deviations in program implementation may lead to criminal liabilities, particularly regarding violations of food safety, consumer rights, corruption in procurement processes, abuse of authority, and breaches of public health standards. Therefore, the formulation of specific regulations, enhanced budget transparency, strengthened minimum service standards, and optimized supervisory mechanisms are essential to ensure that the MBG program is implemented safely, effectively, and accountably.
TANGGUNG JAWAB BADAN PERTANAHAN NASIONAL DALAM PEMBATALAN SERTIFIKAT HAK ATAS TANAH BERDASARKAN PUTUSAN PENGADILAN Anjani Sipahutar; Syapri Chan
Jurnal Normatif Vol. 6 No. 1 (2026): Juni 2026
Publisher : Fakultas Hukum Universitas Al Azhar Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54123/jn.v6i1.563

Abstract

Perkembangan teknologi keuangan (financial technology/fintech) telah memberikan kemudahan akses layanan keuangan kepada masyarakat, namun di sisi lain menimbulkan berbagai permasalahan hukum, khususnya terkait pelanggaran data pribadi pengguna. Penyalahgunaan data pribadi oleh penyedia layanan fintech, seperti penyebaran informasi tanpa persetujuan, penggunaan data untuk kepentingan penagihan, dan lemahnya sistem keamanan informasi, menunjukkan masih rendahnya perlindungan hukum terhadap hak privasi pengguna. Penelitian ini bertujuan untuk menganalisis pengaturan hukum mengenai perlindungan data pribadi dalam layanan fintech, bentuk pertanggungjawaban hukum penyedia layanan atas pelanggaran data privasi pengguna, serta upaya pencegahan penyalahgunaan data pribadi. Penelitian menggunakan metode penelitian hukum normatif dengan pendekatan peraturan perundang-undangan dan pendekatan konseptual. Data diperoleh melalui studi kepustakaan terhadap bahan hukum primer, sekunder, dan tersier, kemudian dianalisis secara kualitatif. Hasil penelitian menunjukkan bahwa pengaturan perlindungan data pribadi telah diatur dalam Undang-Undang Nomor 27 Tahun 2022 tentang Perlindungan Data Pribadi, Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen, serta berbagai regulasi Otoritas Jasa Keuangan dan Bank Indonesia. Meskipun demikian, implementasinya belum optimal karena masih ditemukan pelanggaran yang merugikan pengguna. Penyedia layanan fintech dapat dimintai pertanggungjawaban secara administratif, perdata, maupun pidana apabila terbukti melakukan pelanggaran terhadap data pribadi pengguna. Upaya pencegahan perlu dilakukan melalui penguatan sistem keamanan informasi, penerapan prinsip persetujuan yang sah (informed consent), peningkatan kepatuhan terhadap regulasi, serta pengawasan yang lebih efektif oleh pemerintah dan otoritas terkait guna menjamin perlindungan hak privasi pengguna dalam ekosistem layanan keuangan digital.