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All Journal Journal of Social Science Journal Research of Social Science, Economics, and Management Jurnal Ekonomi, Teknologi dan Bisnis
Hono Sejati
Universitas Darul Ulum Islamic Centre Sudirman GUPPI
Astronomy Economics, Econometrics & Finance Engineering Environmental Science Industrial & Manufacturing Engineering Mechanical Engineering Social Sciences

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 1 
Legal Protection of Banking Customers in the Perspective of Law 8 of 1999 Amry Syahputra; Hono Sejati
Journal Research of Social Science, Economics, and Management Vol. 2 No. 11 (2023): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v2i11.475

Abstract

The use of electronic technology has become prevalent in banking services, offering convenience to customers through internet transaction services. However, this reliance on technology has also exposed vulnerabilities, leading to violations and crimes that result in significant losses for individuals and even the state. Hacker techniques and breaches of bank financial systems have become unavoidable risks. Banks play a crucial role in the financial system, overseeing business transactions and economic activities. Individuals and businesses choose banks as their preferred institutions for depositing funds, conducting transactions, and obtaining capital. Given the importance of banks, legal protection for customers is essential. This research adopts a normative approach, utilizing both statutory and conceptual methods. Secondary data serves as the primary source, and qualitative descriptive analysis is employed. Conclusions are drawn deductively, specifically regarding the topic of Legal Protection of Banking Customers in relation to Law Number 8 of 1999. The findings emphasize the urgency of legal protection for bank customers under the Consumer Protection Law. This law ensures legal certainty for customers by obligating banks to provide correct and honest services, as well as transparent and accurate information about service conditions and guarantees. Banks should collaborate with consumer institutions or other bodies to formulate clauses that meet the needs of all parties without compromising legal certainty. Agreement on the interpretation of relevant clauses is also crucial.
The Effectiveness of the Family Hope Program (PKH) Social Assistance in Increasing the Welfare of Poor Communities Hendrik Marantek; Hono Sejati
Journal Research of Social Science, Economics, and Management Vol. 2 No. 11 (2023): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v2i11.476

Abstract

This study focuses on poverty and the efforts of the government in Indonesia to improve the welfare of the poor through the Family Hope Program (PKH). The research utilizes a qualitative descriptive method to examine the role of the government in providing assistance through PKH. The study highlights the various roles and skills required of PKH facilitators in their interactions with program beneficiaries. The government's role includes facilitative roles and skills, where PKH facilitators act as motivators and provide support in health services such as regular check-ups for pregnant women and children at local health centers. PKH facilitators also require educational roles and skills to effectively communicate information and conduct activities with the community. These educational roles are essential for increasing knowledge and raising awareness among program beneficiaries. Additionally, PKH facilitators need representative roles and skills to effectively convey information and feedback between beneficiaries and local government authorities. This role ensures that the voices and concerns of beneficiaries are heard and addressed by relevant stakeholders.
CV Juridical Review Of Legal Protection For Aspected Customers Imam Wahyudi; Hono Sejati
Journal Research of Social Science, Economics, and Management Vol. 2 No. 11 (2023): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v2i11.482

Abstract

Efforts to guarantee legal protection and certainty as well as to avoid conflicts of interest as a result of using banking services, especially in banking credit services that carry out economic functions through actions that are suspected of being a misuse of circumstances and can result in losses for consumers. The study uses an analytical method with an empirical juridical approach or legal sociology, privileges and commitments contained in Article 4 of the Shopper Security Act, as follows: 1) The option to solace, security, and wellbeing in consuming merchandise or potentially benefits; 2) The option to pick products and additionally benefits and acquire said products as well as administrations under the swapping scale and the circumstances and certifications guaranteed; 3) Right to right, self-evident and fair data in regards to the circumstances and certifications of merchandise or potentially benefits; 4) The option to have their perspectives and protests found out about the merchandise as well as administrations utilized; 5) The option to get legitimate backing, insurance, and endeavors to determine purchaser insurance debates; 6) The option to get direction and shopper schooling; 8) The option to be dealt with or served appropriately and truly and not biased; h. The option to get pay, pay, or potentially repayment if the products as well as administrations got are not by the arrangement or not as they ought to be; 9) The rights are managed in the arrangements of different guidelines and rules.
Contribution Of Banking Finance To The Development Of Micro, Small, And Medium Enterprises Said Faisal; Hono Sejati
Journal Research of Social Science, Economics, and Management Vol. 2 No. 10 (2023): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v2i10.483

Abstract

Banking institutions are financial intermediaries that have a very vital role in the economic structure of every country. Banks absorb funds from the public and channel these funds back to the public so that each country can create a banking system that is sound, and resilient to maintain public trust. The approach used in this research is a qualitative descriptive approach. It is focused to discuss the role of Islamic banking in contributing to developing MSMEs in Indonesia. The provision of initial capital financing and additional monetary along with facilitating and promoting MSMEs in obtaining MSME financing by Bank Syariah Indonesia plays a crucial role in the community. With the provision of financing provided by banks to the micro, small, and medium business community, Bank Syariah Indonesia can improve the economy, and the community's economy is growing and experiencing an increase in income.
Legal Strategy To Prevent And Overcome Abuse Of Funds In Digital Wallets Maharani Trisni Zulaiha; Lamijan Lamijan; Hono Sejati
Journal Of Social Science (JoSS) Vol 3 No 7 (2024): JOSS : Journal of Social Science
Publisher : Al-Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/joss.v3i7.338

Abstract

E-wallet, or electronic wallet, is an application or software that enables users to store, manage, and conduct financial transactions electronically. E-wallets usage is able for various purposes, such as making payments, transferring money, or storing payment information for online transactions. Despite the advantages of e-wallets, there are still risks associated with their use, such as the potential loss of consumer funds and the possibility of personal data leaks due to inadequate security measures on the platform. It can disadvantage consumers as users of e-wallets. Law Number 8 of 1999 concerning Consumer Protection contains various provisions aimed at directing manufacturers and businesses, especially those in the business sector, to behave in a manner that supports national economic development. Bank Indonesia has implemented a legal protection system for digital wallet users, starting from the issuance of regulations and policies. One such policy is the creation of guidelines for the operation of payment system services, especially for the use of digital wallets. These guidelines are regulated in Bank Indonesia Regulation Number 20/6/PBI/2018, which discusses the operation of payment systems through digital wallets. This regulation, known as the Bank Indonesia Electronic Money Regulation, establishes licensing and supervision procedures for electronic money operations, including the use of digital wallets. Bank Indonesia not only regulates operational procedures but also emphasizes consumer protection for payment system users, including those using digital wallets, by issuing Bank Indonesia Regulation Number 16/1/PBI/2014 concerning Consumer Protection for Payment System Providers.
Consumer Data Protection In Electronic Transaction Practices In E-Commerce Alikhan Salim; Tri Susilowati; Hono Sejati
Jurnal Ekonomi Teknologi dan Bisnis (JETBIS) Vol. 3 No. 8 (2024): Jurnal Ekonomi, Teknologi dan Bisnis
Publisher : Al-Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/jetbis.v3i8.128

Abstract

Online transactions provide huge benefits for buyers and sellers. For buyers, the convenience of shopping without having to go to a physical store is the main benefit. They can compare prices and products from various sellers, saving time and transportation costs. For sellers, online transactions open up wider market opportunities, increase product exposure, and increase sales and distribution efficiency. However, the risk of personal data leakage always lurks in online transactions. This issue is serious and can compromise consumers' privacy and information security. Data leaks can occur when personal information such as names, addresses, telephone numbers, emails, credit card details and other personal data falls into unauthorized hands. The research aims to explore the protection of consumers' personal data and examine the responsibility of marketplaces in dealing with data leaks. The author uses a normative juridical approach, which includes primary and secondary legal analysis, as well as descriptive analysis to summarize applicable regulations and legal theory related to practice. The results show that Indonesia has Law Number 27 of 2022 concerning Protection of Consumer Personal Data to protect personal data. Marketplaces that violate these rules may be subject to administrative sanctions in accordance with applicable regulations, while consumers have the right to file a lawsuit for marketplace negligence in accordance with Article 1366 of the Civil Code.
Law Enforcement Of Digital Asset Confiscation In Money Laundering Crimes Tb. Soenmandjaja SD; Hono Sejati; Lamijan Lamijan
Jurnal Ekonomi Teknologi dan Bisnis (JETBIS) Vol. 3 No. 8 (2024): Jurnal Ekonomi, Teknologi dan Bisnis
Publisher : Al-Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/jetbis.v3i8.129

Abstract

Money laundering is a serious crime that harms the interests of society, causes economic instability in a country, and is more dangerous than corruption because tracking the flow of money from money laundering will be more difficult. Due to this complexity, asset forfeiture becomes crucial because the approach method used is known as "follow the money." This research reviews asset forfeiture in money laundering from a law enforcement perspective. This research evaluates asset confiscation methods in money laundering cases from a law enforcement perspective, aiming to better protect societal interests and prevent criminals from gaining illicit profits. This research is normative or doctrinal, also known as dogmatic research with a conceptual and legislative approach. The findings indicate that, although asset forfeiture has been regulated through criminal prevention actions based on the Criminal Code and the Criminal Procedure Code, as well as civil and administrative actions based on the Anti-Money Laundering Act, there are still shortcomings in regulations that allow criminals to hide their illegal gains. It has not achieved justice and harms both the country and the victims of money laundering. To ensure crime doesn't benefit perpetrators, it's essential to expand asset seizure regulations by revising the Anti-Money Laundering Act to include civil seizures and cover all crime-related assets. Strengthening protections for innocent third parties is also necessary to uphold justice.
Co-Authors Alikhan Salim Amry Syahputra Hendrik Marantek Imam Wahyudi Lamijan Lamijan Maharani Trisni Zulaiha Said Faisal Tb. Soenmandjaja SD Tri Susilowati