Rena Aminwara
University Of Muhammadiyah Mataram

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Legal Protection For Consumers On Withdrawal Of Fiduciary Objectives By Financing Companies Due To Covid 19 In Mataram City Edi Yanto; Rena Aminwara; Sahrul Sahrul
Unram Law Review Vol 6 No 2 (2022): Unram Law Review(ULREV)
Publisher : Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ulrev.v6i2.243

Abstract

The purpose of this study is to obtain the first description: legal protection for consumers for the withdrawal of fiduciary guarantee objects by finance companies due to Covid 19, and second: the role of the Mataram City Consumer Dispute Resolution Agency (BPSK) in resolving consumer financing disputes in Mataram City. This type of research is a normative and empirical law that examines legal materials and data. The approach used is legislation and concepts, then analyzed with qualitative description. Legal protection for consumers for the withdrawal of fiduciary guarantee objects by financing companies due to covid 19. The government issues a Countercyclical policy through restructuring or credit relaxation for debtors with the potential to have difficulty fulfilling their obligations; however, suppose the restructuring effort does not result in a settlement. In the case, dispute resolution is carried out based on the clauses in the agreement or credit agreement signed by the parties. The Mataram City BPSK resolving consumer financing disputes due to Covid 19 in Mataram City, has an essential role as a quasi-judicial institution in resolving consumer disputes out of court. This institution was born as a form of equitable distribution of justice for the community, especially consumers who have not had access to dispute resolution in the judiciary.
The Certainty Paradox in Constitutional Court Rulings: Reconstructing IKN's Legal Framework for National Strategic Sustainability Ady Supryadi; Sarudi Sarudi; Rena Aminwara; Edi Yanto; Dodi Jaya Wardana
Law Development Journal Vol. 8 No. 3 (2026): September 2026
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ldj.8.3.1183-1194

Abstract

The construction of Indonesia's new capital, Nusantara (IKN), is a flagship national project whose success depends on regulatory stability. This stability has been complicated by the Constitutional Court's judicial review ruling on the IKN Law, creating a "certainty paradox": while the ruling upholds constitutional supremacy, it simultaneously generates uncertainty for investors and development implementers. This research examines the ruling's legal implications for IKN's regulatory stability and proposes an ideal framework for reconstructing its legal architecture to ensure long-term resilience. Using a normative-juridical method with statutory, case-based, and conceptual approaches, the study finds that the ruling has produced regulatory instability, heightened investment risk, and left the IKN Authority's powers ambiguous stemming largely from derivative regulations' failure to swiftly and coherently incorporate the Court's legal reasoning. In response, the study proposes a three-pillar reconstruction model: (1) a sector-specific Omnibus Regulation to curb regulatory inflation; (2) legal protection through Smart Contracts and investment guarantees; and (3) institutionalized public participation within the Authority's governance structure. This reconstruction is essential to shift IKN's legal framework from reactive-administrative to responsive-strategic, securing its long-term sustainability against future political or judicial shifts.