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All Journal Otentik's : Jurnal Hukum Kenotariatan Notaire Cepalo Journal Of Human And Education (JAHE) Journal of Law, Poliitic and Humanities APLIKATIF: Journal of Research Trends in Social Sciences and Humanities MOTORIK Swadaya: Jurnal Pengabdian Masyarakat Journal of Legal Contemplation KATALIS : Jurnal Inovasi Pengabdian Masyarakat
Muh. Taufik LaOde
Universitas Khairun
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Journal : Journal of Legal Contemplation

 1 
The Substantive Rights of Heirs and Administrative Barriers in Indonesian Banking Practices La Ode, Muhamad Taufik; Abdullah, Ali
Journal of Legal Contemplation Vol. 1 No. 3 (2025): Journal of Legal Contemplation
Publisher : Candela Edutech Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63288/jlc.v1i3.11

Abstract

This article explores the normative-institutional discrepancy between the declarative nature of Article 833 of the Indonesian Civil Code and the administrative practices of financial institutions in the execution of inheritance rights within Indonesia’s national legal system. Legally, heirs acquire their rights automatically upon the decedent’s death, without requiring court confirmation or formal recognition. In practice, however, banks often impose excessive procedural requirements, such as requesting additional documents or withholding funds without a clear legal basis. This study adopts a normative legal method, analyzing statutory provisions, doctrinal interpretations, and illustrative case studies. The findings highlight the urgent need for regulatory harmonization between inheritance law and financial administrative procedures in Indonesia. The article also emphasizes the strategic role of notaries as legal intermediaries who ensure the enforceability of inheritance rights through authentic documentation. It concludes that heirs’ legal protection must be strengthened by upholding the principles of legality and substantive justice within the financial sector.
The Financial Services Authority’s Market Conduct Supervision and Consumer Protection within Non-Bank Muhammad Joddy AT Hasan; Muhamad Taufik La Ode
Journal of Legal Contemplation Vol. 2 No. 1 (2026): Journal of Legal Contemplation
Publisher : Candela Edutech Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63288/jlc.v2i1.18

Abstract

This research aims to analyze the regulatory and supervisory role of the Financial Services Authority (OJK) concerning consumer protection in the Non-Bank Financial Institution (NBFI) sector. The rapid growth of NBFIs carries complex legal risks, particularly regarding unethical collection practices and the use of unbalanced standard agreements. Using a normative legal research method with statutory and conceptual approaches, this study examines the legal certainty and normative implications of the implementation of Law Number 21 of 2011 and OJK Regulation (POJK) Number 22 of 2023. The main findings indicate an operational ambiguity regarding the definition of consumer "bad faith" in Articles 6 and 99 of POJK No. 22 of 2023, which remains multi-interpretable despite the provided explanations. This vague norm creates legal uncertainty and provides excessive discretion to business actors, thereby weakening the consumer's bargaining position in financial service disputes. The results conclude that strengthening consumer protection requires the formulation of concrete behavioral indicators within the regulatory framework to close the gap of subjectivity for both regulators and business actors.
Co-Authors Ali Abdullah, Ali Andika Adhyaksa Anshar Anshar, Anshar Arief Budiono Basto Daeng Robo Ikrima, Nur Aida Mufti, Ahmad Muhammad Joddy AT Hasan MUHAMMAD SUBHAN Muhammad Taufiq La Ode Nam Rumkel Ni ketut Marjani Rosida Rosida Taswin