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TINJAUAN YURIDIS PENDAFTARAN FIDUSIA BAGI PERUSAHAAN PEMBIAYAAN (PERATURAN MENTERI KEUANGAN NO. 130/PMK.010/2012) Widaningsih, Widaningsih
Proceeding SENDI_U 2016: SEMINAR NASIONAL MULTI DISIPLIN ILMU DAN CALL FOR PAPERS
Publisher : Proceeding SENDI_U

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Pengambilan paksa kendaraan karena alasan menunggak angsuran oleh debt collector selaku petugas dari lembagapembiayaan merupakan peristiwa yang sering dijumpai dari berbagai media pemberitaan dan pengalaman dalammasyarakat. Atas dasar kepastian hukum bagi perusahaan pembiayaan dan konsumen sehubungan denganpelaksanaan transaksi fidusia maka pada tanggal 7 Agustus 2012 yang lalu terbit Peraturan Menteri Keuangan No.130/PMK.010/2012 Tentang Pendaftaran Jaminan Fidusia Bagi Perusahaan Pembiayaan Yang MelakukanPembiayaan Konsumen Untuk Kendaraan Bermotor dengan Pembebanan Jaminan Fidusia. Menurut Pasal 1 PMKNo. 130/PMK.010/2012, Perusahaan Pembiayaan yang melakukan pembiayaan konsumen untuk kendaraanbermotor dengan pembebanan jaminan fidusia wajib mendaftarkan jaminan fidusia dimaksud pada KantorPendaftaran Fidusia, sesuai undang-undang yang mengatur mengenai jaminan fidusia (pasal 1). Kewajibanpendaftaran jaminan fidusia tersebut berlaku pula bagi Perusahaan Pembiayaan yang melakukan: a) pembiayaankonsumen kendaraan bermotor berdasarkan prinsip syariah; b) dan/atau pembiayaan konsumen kendaraan bermotoryang pembiayaannya berasal dari pembiayaanpenerusan (channeling) atau pembiayaan bersama (joint financing).Dengan keluarnya peraturan ini, maka seluruh perusahaan pembiayaan harus mendaftarkan fidusia untuk setiaptransaksi pembiayaannya. Oleh sebab itu pasal 2 PMK No. 130/PMK.010/2012, menyebutkan bahwa PerusahaanPembiayaan wajib mendaftarkan jaminan fidusia pada Kantor Pendaftaran Fidusia paling lama 30 (tiga puluh) harikalender terhitung sejak tanggal perjanjian pembiayaan konsumen. Metode Penelitian ini menggunakan metodeyuridis normativeKata Kunci : Jaminan Fidusia, Pembiayaan Konsumen, PMK No. 130/PMK.010/2012
IMPLIKASI YURIDIS ATAS PUTUSAN MAHKAMAH KOINSTITUSI TENTANG PENYELENGGARAAN PEMILIHAN UMUM SERENTAK TAHUN 2019 Widaningsih Widaningsih
Jurnal Cakrawala Hukum Vol 19, No 1 (2014): June 2014
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/idjch.v19i1.1134

Abstract

The Constitutional Court (MK) granted a judicial review of law no. 42 Year 2008 regarding the presidentialelection proposed by Yusril Ihza Mahendra and Effendi Gazali with Community Coalition for Election Unison.The Court decided that legislative and presidential elections would be conducted simultaneously inGeneral Election in 2019. The proposed Articles were Article 3 Paragraph ( 5 ), Article 9, Article 12Paragraph ( 1 ) and ( 2 ), Article 14, Paragraph ( 2 ), and Article 112. With the granting of this lawsuit, theLegislature election and the 2019 presidential election would be held simultaneously so that there was nothreshold for the candidates of president and vice president. Legislative election and the 2014 presidentialelection would be implemented separately. Election problems like political and democracy costs that weregreater quickly could be solved properly by carrying on simultaneous elections. Concurrent elections did notonly lighten the cost of the election, but also created time and energy efficiency as well as reduced the potentialoutbreak of a horizontal conflict as what often happened among the candidates parties who were competing.
PENGUATAN KELUARGA DAN ORANG TUA ASUH PADA KOMUNITAS LEMBAGA HARAPAN UMMAT KECAMATAN LOWOKWARU MALANG Fadloli Fadloli; Abdul Chalim; Widaningsih; Ahmad Bahauddin Almu’faro; Mohamad Sinal
Jurnal Pengabdian Kepada Masyarakat (J-ABDIMAS) Vol 8 No 2 (2021): JURNAL PENGABDIAN KEPADA MASYARAKAT 2021
Publisher : Publisher UPT P2M Politeknik Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (330.63 KB) | DOI: 10.33795/jabdimas.v8i2.147

Abstract

Harum Institution is a social institution that is engaged in elevating the dignity of marginalized communities in the city of Malang. The purpose of this service activity is to provide spiritual strengthening for families and foster parents who are members of the Harapan Ummat Malang institutional community. The method of this activity is observation, interviews and about motivation and management of strengthening families and foster parents as well as interactive dialogue to provide solutions to family problems and successful parenting. The results of this of this service activity provide spiritual services in the form of tausiah and enlightenment and motivation to strengthen families and foster parents at the Harapan ummat Institution. Provide material about future family management in facing challenges, moral decline and difficulties in the economic field, towards a successful family in the hereafter.
PENGUATAN KELUARGA DAN ORANG TUA ASUH PADA KOMUNITAS LEMBAGA HARAPAN UMMAT KECAMATAN LOWOKWARU MALANG Fadloli Fadloli; Abdul Chalim; Widaningsih Widaningsih; Ahmad Bahauddin Almu’faro; Mohamad Sinal
Jurnal Pengabdian kepada Masyarakat Vol. 8 No. 2 (2021): JURNAL PENGABDIAN KEPADA MASYARAKAT 2021
Publisher : P3M Politeknik Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Harum Institution is a social institution that is engaged in elevating the dignity of marginalized communities in the city of Malang. The purpose of this service activity is to provide spiritual strengthening for families and foster parents who are members of the Harapan Ummat Malang institutional community. The method of this activity is observation, interviews and about motivation and management of strengthening families and foster parents as well as interactive dialogue to provide solutions to family problems and successful parenting. The results of this of this service activity provide spiritual services in the form of tausiah and enlightenment and motivation to strengthen families and foster parents at the Harapan ummat Institution. Provide material about future family management in facing challenges, moral decline and difficulties in the economic field, towards a successful family in the hereafter.
Efektivitas Pelatihan Pegawai Dalam Meningkatkan Kinerja Di Kantor Dinas Pariwisata Dan Kebudayaan Kabupaten Garut Hadita, Akmala; Pundenswari, Pupung; Ulumudin, Aceng; Widaningsih, Widaningsih
Jurnal Publik Vol. 18 No. 01 (2024): Jurnal Publik: Jurnal Ilmiah Bidang Ilmu Administrasi Negara
Publisher : Program Pasca Sarjana Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52434/jp.v18i01.364

Abstract

Penelitian ini mengkaji efektivitas program bimbingan sejawat di Dinas Pariwisata dan Kebudayaan Kabupaten Garut. Tujuan penelitian ini untuk mengetahui seberapa efektif pelatihan guru dalam meningkatkan produktivitas pegawai di Dinas Pariwisata dan Kebudayaan Kabupaten Garut. Penelitian ini menggunakan metodologi deskriptif kualitatif dengan menggunakan teknik narasumber gambar lilin, observasi di Dinas Pariwisata dan Kebudayaan Kabupaten Garut, serta studi dokumentasi melalui buku, jurnal, artikel ilmiah, dan sumber lainnya. Pelatihan yang dilaksanakan di Dinas Pariwisata dan Kebudayaan Kantor Garut terdiri dari tiga jenis pelatihan yaitu struktural, keuangan, dan kearsipan. Pelatihan yang dilakukan oleh para instruktur di Dinas Pariwisata dan Kebudayaan Kabupaten Garut Meskipun sebagian besar pelatihan tersebut efektif, masih ada beberapa permasalahan dalam cara pembayaran upah kepada para pekerja. Programa pegawaian sangat efektif karena dapat meningkatkan pemahaman pegawai tentang bagaimana mengatur waktu mereka secara efektif.
Optimization of the Regulatory Framework to Attract Tertiary Sector Investment: A Policy Analysis in Garut Regency Widaningsih, Widaningsih; Adiawaty, Susi; Mawardy, Vivy; Lokman, Asmidar
Journal of Social and Policy Issues Volume 4, No 4 (2024) October - December
Publisher : Pencerah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58835/jspi.v4i4.385

Abstract

The increase in investment in the tertiary sector, such as tourism, trade, and services, has become one of the strategic priorities of Garut Regency in driving regional economic growth. However, regulatory barriers, lack of legal certainty, and infrastructure challenges often pose major obstacles for investors. This study aims to analyze the existing regulatory framework, identify challenges in policy implementation, and offer recommendations for optimizing policies to attract more investment in the tertiary sector. This research employs a qualitative approach using a case study method. Data were collected through in-depth interviews with 15 informants, including officials from the Investment and Integrated Licensing Service Office (DPMPT), local business actors, prospective investors, and academics. Data analysis was conducted using triangulation methods, which included policy document analysis, investment statistics, and insights from interviews. The results of the study show that despite Garut Regency's great potential in the tertiary sector, such as natural tourism and trade, investment policy implementation is still suboptimal. Major inhibiting factors include the complexity of licensing procedures, lack of synchronization between regional and national policies, and insufficient structured investment promotion. The study recommends streamlining regulations, digitalizing the licensing system, and strengthening coordination between local governments and stakeholders. The conclusion of this study emphasizes the importance of optimizing an adaptive regulatory framework that aligns with investor needs. With more flexible and conducive policies, Garut Regency has the potential to become a leading destination for tertiary sector investment in Indonesia.
Legal Protection for the Partnership Agreement Parties Widaningsih, Widaningsih; Suhariningsih, Suhariningsih; Sihabuddin, Sihabuddin; Santoso, Budi
Al-Risalah Vol 22 No 1 (2022): June 2022
Publisher : Fakultas Syariah UIN Sulthan Thaha Saifuddin Jambi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (312.872 KB) | DOI: 10.30631/alrisalah.v22i1.1118

Abstract

Preparing the partnership agreement must comply with the rules for the parties to get guarantees and legal protection. The rules must meet the preliminary requirements, such as understanding the transaction object and background, compiling its outline, recognizing the partners, and formulating the agreement principles. The partnership agreement must also have a signature, as well as rights and obligations. This normative study aimed to analyze the partnership agreement rules as legal protection. The results showed that the partnership agreement rules contain all the parties need as legal certainty and protection.
ANALISIS YURIDIS PERATURAN MENTERI KEUANGAN (PMK) NO. 130/PMK.010/2012 TENTANG PENDAFTARAN FIDUSIA BAGI PERUSAHAAN PEMBIAYAAN Widaningsih, Widaningsih
Jurnal Panorama Hukum Vol 1 No 1 (2016): Juni
Publisher : Fakultas Hukum Universitas PGRI Kanjuruhan Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (457.092 KB) | DOI: 10.21067/jph.v1i1.1167

Abstract

Forced withdrawal of vehicles for reasons of delinquent installments by debt collectors as officers of financial institutions is a common incident from various press and experiences in the community. On the basis of legal certainty for companies and consumer financing in connection with the implementation of the fiduciary transaction on August 7, 2012 which then rises Minister of Finance Regulation No. 130 / PMK.010 / 2012 On Registration Fiduciary Company For Consumer Financing Financing Conducting For Motor Vehicles with Imposition Fiduciary. According to Article 1 PMK No. 130 / PMK.010 / 2012, finance companies doing consumer financing for motor vehicles with the imposition of fiduciary must register fiduciary referred to in Fiduciary Registration Office, appropriate legislation governing the fiduciary (article 1).The fiduciary guarantee registration obligation applies to finance companies that do:a) The motor vehicle consumer financing based on Islamic principles;b) and / or consumer financing vehicles whose financing comes from pembiayaanpenerusan (channeling) or cofinancing (joint financing).With the release of this rule, all companies must register fiduciary financing for each transaction financing. Therefore, Article 2 PMK No. 130 / PMK.010 / 2012, states that the Company shall register fiduciary Financing in Fiduciary Registration Office no later than 30 (thirty) calendar days from the date of consumer financing agreement.Methods This study uses normative
PENYELESAIAN SENGKETA E-COMMERCEMELALUI ODR (ONLINE DISPUTE RESOLUTION) Widaningsih, Widaningsih
Jurnal Panorama Hukum Vol 2 No 2 (2017): Desember
Publisher : Fakultas Hukum Universitas PGRI Kanjuruhan Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (437.407 KB) | DOI: 10.21067/jph.v2i2.2075

Abstract

E-commerce is a trading system that utilizes information technology and is an innovative trading system that enables fast electronic transactions across the world. Utilization of e-commerce transactions can cause trade dispute due to the process of buying and selling transactions electronically. The balance of creditor and debtor positions is paramount in both conventional and electronic trade transactions. In online trading transactions, consumers are often confronted with irresponsible business actor behavior. This is made easier by business actors because the parties do not meet each other directly in the event of an agreement. Therefore, as in conventional trading, online or e-commerce transactions between business actors and consumers must also be given legal protection to consumers. There needs to be consumer protection efforts in the implementation of e-commerce transactions either before the dispute or after a dispute. The purpose of this research is to find out the settlement of business dispute based on law in Indonesia, to know the process of business dispute resolution through ODR, and to know the position of ODR in legal dispute business dispute settlement in Indonesia. The research used in this paper is normative legal research by reviewing and analyzing secondary data data in the form of legislation - the invitation, primary data data in the form of legal books and journals related law journals, as well as tertiary data in the form of websites - websites from the internet . Based on data analysis conducted, it is concluded that ODR is an appropriate model of settlement to resolve international trade disputes. The rule of law on ODR is necessary so that the position of ODR in Indonesian law becomes clear and gives certainty to the community about the use of ODR in Indonesia.ODR online dispute resolution) is an alternative solution by utilizing information technology tools to interact online.
Penerapan metode cooperative learning tipe two stray untuk meningkatkan kemampuan pemahaman dan keaktifan siswa pada pembelajaran IPA tentang keanekaragaman mahluk hidup Widaningsih, Widaningsih
Jurnal Kajian Pendidikan IPA Vol 2 No 2 (2022): Jurnal Kajian Pendidikan IPA
Publisher : Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52434/jkpi21832

Abstract

Penelitian ini dilatar belakangi oleh rendahnya hasil belajar siswa pada pembelajaran Ilmu Pengetahuan Alam (IPA) dengan materi keanekaragaman mahluk hidup. Dari hasil analisis metode yang digunakan dalam pembelajaran masih monoton yaitu ceramah dan tanya jawab serta tidak melibatkan siswa secara langsung untuk menghubungkan pengetahuan yang dipelajarinya dengan kehidupan nyata, sehingga pembelajaran kurang bermanfaat bagi siswa serta berdampak pada rendahnya hasil belajar siswa. Beranjak dari hal tersebut maka permasalahan yang dicoba diatasi melalui penelitian ini adalah implementasi model pembelajaran cooperative learning Tipe Two Stay Two Stray untuk meningkatkan hasil belajar siswa sehingga pembelajaran bermakna bagi siswa. Tujuan penelitian ini yaitu ingin meningkatkan kemampuan guru dalam membuat Rencana Pelaksanaan Pembelajaran (RPP), mengelola proses pembelajaran, peningkatan hasil belajar siswa serta faktor pendukung dan faktor penghambat pembelajaran dengan menggunakan penerepan pembelajaran cooperative learning Tipe Two Stay Two Stray dalam meningkatkan hasil belajar siswa tentang gaya dan energi pada pembelajaran IPA. Metode yang digunakan dalam penelitian ini adalah penelitian tindakan kelas dengan model cooperativi learning Tipe Two Stay Two Stray. Subjek penelitian adalah siswa kelas VII sebanyak 32 orang siswa Penelitian ini dilaksanakan pada semester genap tahun pelajaran 2018/2019. Penelitian dilakukan dalam dua siklus 4 pertemuan. Siklus pertama dan kedua terdiri dari perencanaan, pelaksanaan dan observasi, refleksi dan tindak lanjut. Data penelitian diperoleh melalui observasi, tes, diskusi dan dokumentasi kegiatan pembelajaran. Data hasil penelitian dianalisis, diolah, dideskripsikan, didiskusikan dan dikaji ulang bersama-sama guru mitra, kemudian direfleksi sebagai bahan pertimbangan pada tindakan selanjutnya. Hasil penelitian diperoleh bahwa (1)Kinerja guru dalam menyusun RPP menggunakan model pembelajaran cooperative learning Tipe Two Stay Two Stray (2) Proses hasil observasi kegiatan siswa siklus I 80%, siklus II 86,67%. (3) Hasil belajar Siklus I Pertemuan 1 49,06, Siklus I Pertemuan 2 55,31, Siklus II Pertemuan 1 72,19, siklus II Pertemuan 2 83,13.