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All Journal Pandecta JURNAL LITIGASI (e-Journal) FIAT JUSTISIA: Jurnal Ilmu Hukum Dharmakarya : Jurnal Aplikasi Ipteks Untuk Masyarakat Jurnal Media Hukum Diponegoro Law Review Jurnal IUS (Kajian Hukum dan Keadilan) PADJADJARAN Jurnal Ilmu Hukum (Journal of Law) Jurnal Hukum Acara Perdata ADHAPER JUSTITIA JURNAL HUKUM Jurnal Bina Mulia Hukum Syntax Literate: Jurnal Ilmiah Indonesia DE LEGA LATA: Jurnal Ilmu Hukum Widya Yuridika Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Jurnal Hukum Ekonomi Syariah International Journal of Supply Chain Management Jurnal Sains Sosio Humaniora JURNAL HUKUM dan KENOTARIATAN Pagaruyuang Law Journal PALAR (Pakuan Law review) Pena Justisia: Media Komunikasi dan Kajian Hukum ACTA DIURNAL : Jurnal Ilmu Hukum Kenotariatan Jurnal Hukum Acara Perdata Jurnal Hukum Lex Generalis SUPREMASI Jurnal Hukum Jurnal Ilmiah Wahana Pendidikan Jurnal Poros Hukum Padjadjaran Jurnal Pengabdian Kepada Masyarakat International Journal of Science and Society (IJSOC) Legal Protection for the Partnership Agreement Parties Damhil Law Journal Enrichment: Journal of Multidisciplinary Research and Development Birokrasi: Jurnal Ilmu Hukum dan Tata Negara Jurnal Hukum dan Pembangunan Amandemen: Jurnal Ilmu Pertahanan, Politik dan Hukum Indonesia Khazanah Hukum
Etty Mulyati
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Nursing Public Health Social Sciences Transportation Veterinary Other

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Implementation of Government Regulation Number 42 of 2007 Regarding Franchise Agreements in Local Fast Food Businesses Savirra Satriadi; Etty Mulyati; Tri Handayani
DE LEGA LATA: JURNAL ILMU HUKUM Vol 8, No 1 (2023): January-June
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/dll.v8i1.12478

Abstract

Franchising is one of the opportunities to become an entrepreneur, which recently is one of the developing economic activities. Franchise itself is a special right owned by an individual or business entity with business characteristics in order to market goods and/or services based on a franchise agreement. Franchise Agreements have implications for Local Warteg Franchise and Japanese Udon Foreign Franchise. The purpose of this research is to know and understand the Domestic Franchise Agreement and Foreign Franchise and to know and understand the Implementation of Government Regulation Number 42 of 2007 Regarding Franchise Agreements in Local Fast Food Businesses. The research method used is descriptive with a normative juridical research type using a statutory approach (Statute Approach) then data collection techniques through document studies on secondary data, then the data is analyzed with qualitative juridical. Based on the results of the study it was concluded that the Object of Research on Local Fast Food Franchise Agreements, namely domestic franchises, namely Warteg and Japanese Udon Foreign Franchises both made by the nation's children and foreign franchises still refer to positive law in Indonesia, namely Government Regulation 42 of 2007 concerning Franchising , then the Implementation of Government Regulation Number 42 of 2007 regarding Franchise Agreements on Local Fast Food is specifically regulated in Article 5 of Government Regulation Number 42 of 2007 concerning Franchising Other than Clauses that must be in the Franchise Agreement, one of the legal instruments that must be observed is STPW.
Penyalahgunaan Keadaan (Misbruik van Omstagdigheden) dalam Kesepakatan Perjanjian Kredit Etty Mulyati
Pandecta Research Law Journal Vol 15, No 2 (2020): December
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/pandecta.v15i2.19527

Abstract

Perjanjian kredit perbankan dalam praktik dibuat dalam bentuk perjanjian baku yang isinya ditentukan secara sepihak oleh pihak bank sebagai pihak yang dominan, sedangkan pihak debitur hanya dapat menyetujuinya dan dengan terpaksa menerima semua persyaratan yang sudah dibakukan oleh pihak bank. Ketidakseimbangan kedudukan para pihak dalam perjanjian baku, dapat dimanfaatkan oleh pihak yang dominan untuk melakukan penyalahgunaan keadaan dan pihak yang kedudukannya lebih rendah akan mengalami keadaan yang kurang menguntungkan. Tujuan dari penelitian ini adalah untuk menganalisis bagaimana penyalahgunaan keadaan dalam kesepakatan perjanjian kredit perbankan. Penelitian ini bersifat deskriptif analitis dengan menggunakan pendekatan yuridis normatif. Hasil penelitian menunjukan bahwa penyalahgunaan keadaan tidak hanya berhubungan dengan isi perjanjian, tetapi juga berhubungan dengan apa yang telah terjadi pada saat lahirnya perjanjian. Debitur yang sangat membutuhkan dana, sebagai pihak yang berada dalam keadaan darurat dapat dengan terpaksa menyetujui isi perjanjian kredit walaupun persyaratannya sangat memberatkan, sementara pihak bank secara ekonomi dan psikologis mempunyai kedudukan yang lebih kuat. Di Indonesia penyalahgunaan keadaan belum diatur secara jelas dalam KUHPerdata. Diperlukan adanya perubahan dan pengembangan KUHPerdata terkait penyalahgunaan keadaan agar terjadi keseimbangan antara penerapan asas kebebasan berkontrak dan penerapan asas kepatutan, keadilan dan keseimbangan.
JAMINAN PERFORMA SEBAGAI SOLUSI PERMASALAHAN PERMODALAN UMKM DI MARKETPLACE Dewi Parhusip; Tarsisius Murwadji; Etty Mulyati
Jurnal Hukum dan Kenotariatan Vol. 6 No. 1 (2022)
Publisher : Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/hukeno.v6i2.15240

Abstract

 Permasalahan permodalan merupakan salah satu permasalahan klasik yang dihadapi Usaha Mikro, Kecil, dan Menengah (UMKM). Bantuan permodalan seperti kredit perbankan cenderung sulit untuk diakses karena adanya persyaratan jaminan kebendaan untuk memenuhi aspek-aspek dasar penilaian bank. Marketplace telah menyediakan fasilitas pinjaman dengan syarat performa penjualan penjualan yang secara tidak langsung dapat menjadi jaminan (jaminan performa). Saat ini, belum diketahui lebih lanjut bagaimana perkembangan jaminan performa dalam sistem hukum jaminan, perkembangan pembiayaan dengan jaminan performa melalui fasilitas pinjaman marketplace, serta penerapannya dalam membantu permodalan UMKM di marketplace. Penelitian ini menggunakan metode yuridis normatif dengan analisis yuridis kualitatif untuk mencoba mengkaji dan menganalisis permasalahan yang diteliti. Jaminan performa merupakan salah satu cara untuk menilai kelayakan pemberian pembiayaan kepada UMKM sebagai calon debitur. Pelaksanaan jaminan performa berdasarkan peraturan yang ada belum komprehensif dan dibutuhkan peraturan lebih lanjut untuk mengatur penggunaan jaminan performa sampai ke lingkup usaha menengah. Penyelenggaraan pembiayaan melalui fasilitas pinjaman dengan jaminan performa telah diadakan melalui platform marketplace. Penerapan jaminan performa dapat mengatasi permasalahan permodalan UMKM di marketplace karena dalam hal ini kegiatan usaha yang memiliki kinerja sangat baik yang akan menjadi jaminan bagi pemberian fasilitas pinjaman.Kata-Kunci: Jaminan Performa, Marketplace, Performa Penjualan, Pinjaman, UMKM Capital problems are one of the classic problems faced by Micro, Small, and Medium Enterprises (MSMEs). Capital assistance such as banking credit tends to be difficult to access due to the material guarantee requirements to meet the basic aspects of bank valuation. Marketplace has provided loan facilities with the condition of sales performance that can indirectly be a guarantee (performance guarantee). Currently, it is not yet known further how the development of performance guarantees in the guarantee law system, the development of financing with performance guarantees through loan facilities, and its application in helping the capital of MSMEs in the marketplace. This research used normative juridical methods with qualitative juridical analysis to study and analyze the problems studied. Performance guarantee was one way to assess the feasibility of providing financing to MSMEs as prospective debtors. The implementation of performance guarantees based on existing regulations is not yet comprehensive and further regulations are needed to regulate the use of performance guarantees to the scope of medium-sized businesses. The implementation of financing through loan facilities with performance guarantees has been carried out through the marketplace platform. The application of performance guarantees can overcome MSME capital problems in the marketplace because in this case business activities that have very good performance will become collateral for the provision of loan facilities.Keywords: Performance Guarantee, Marketplace, Sales Performance, Loans, MSMEs
PERLINDUNGAN NASABAH TERKAIT PRAKTIK PEMBUKAAN RAHASIA BANK OLEH PEGAWAI BANK DALAM PROSES PENEGAKAN HUKUM TINDAK PIDANA PENCUCIAN UANG DIHUBUNGKAN DENGAN ASAS KEPASTIAN HUKUM Sutiawan, Hendrik Agus; Mulyati, Etty; Tajudin, Ijud
Jurnal Hukum & Pembangunan
Publisher : UI Scholars Hub

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

Abstract

Bank secrets are essential elements and logical consequences of the bank's business character as a trust institution. Bank secrecy is a form of legal protection for depositors. The purpose of this study is to know how the protection of customers and how law enforcement against the opening of bank secrets by Bank Employee in the process of investigating money laundering crime connected with the principle of legal certainty. This research method using normative juridical approach method, that is an approach used to know that a law in accordance with applicable provisions. The research specification is analytical descriptive, using qualitative juridical data analysis method
Konsep Pentahelix Pada Pemberdayaan Usaha Mikro dan Kecil Elvetta, Shisca; Murwadji, Tarsisius; Mulyati, Etty
Widya Yuridika Vol 7, No 1 (2024): Widya Yuridika: Jurnal Hukum
Publisher : Universitas Widya Gama Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/wy.v7i1.4759

Abstract

Empowerment according to Article 1 Number 8 of the MSME Law, is defined as an effort by the central government, regional governments, the business world, and the community in a synergistic manner. However, the fact that the implementation of the empowerment of digital micro and small enterprises (MSEs) in the marketplace by these stakeholders has actually become an inhibiting factor for the success of the programs carried out. As a result, the empowerment of the implementation program has not provided optimal results for the development and growth of digital MSEs in the marketplace. This research is based on a normative juridical approach and then analyzed by qualitative juridical methods. The specification of this research is analytical descriptive in order to describe the relationships between relevant stakeholders in providing support for the digital MSE empowerment program in the marketplace which is reviewed based on regulations and implementation in practice. The results of this study found that, first, the implementation of digital MSE empowerment in the marketplace by the government, the business world, universities, and communities is still partial and sectoral, resulting in overlapping programs. Second, the application of the Pentahelix concept to efforts to empower digital MSEs in the marketplace can be done by establishing the Pentahelix Institution, which is an entity that forms cooperative relationships between five stakeholders, consisting of the government, the business world, academia, the public, and the media. Furthermore, the formation of these institutions needs to be set forth in the form of laws and regulations.
Penerapan Prinsip Kehati-Hatian Bank pada Hapus Buku dan Hapus Tagih Kredit Macet bagi Usaha Mikro dan Kecil Ditinjau dari Undang-Undang No. 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan Illona Novira Elthania; Tarsisius Murwadji; Etty Mulyati
Birokrasi: JURNAL ILMU HUKUM DAN TATA NEGARA Vol. 2 No. 4 (2024): Birokrasi: JURNAL ILMU HUKUM DAN TATA NEGARA
Publisher : Sekolah Tinggi Ilmu Administrasi (STIA) Yappi Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/birokrasi.v2i4.1503

Abstract

. Regulation of Law no. 4 of 2023 concerning Development and Strengthening of the Financial Sector is used as a regulatory for banks in general in carrying out write-offs and write-offs, especially for MSE debtors. Seeing that post-Covid-19 conditions have made the business of MSE debtors even worse, banks have attempted to restructure credit affected by Covid-19 to reduce the bank's NPL ratio as a reference for the bank's health. However, when the reconstruction is not successful, the bank can carry out a conditional write-off and absolute write-off program as a solution to bad credit. In carrying out write-offs, the Bank writes off the total value of productive assets that cannot be collected from the balance sheet and recorded in the administrative account/off balance sheet. The act of write-off does not eliminate the bank's right to collect from its debtors, but the bank will continue to try to collect from its debtors until the credit the bank has provided can be paid in full. The aim of this research is to complete the settlement of bad debts through conditional write-offs and absolute write-off for the PPSK Law. This type of research uses normative juridical research. The types of data used in this research are primary legal materials, secondary legal materials and tertiary legal materials. Data collection techniques using literature studies and field studies. The results of this research are that there are no provisions that regulate in detail the procedures for writing off and writing off bad debts for banks. This is addressed through each bank's internal policy which regulates procedures for write-offs and write-offs for MSE debtors.
Penerapan Klausula Baku oleh Endorsee dalam Perjanjian Endorsement Dikaitkan dengan Asas Kepatutan Ghassani, Devy Nadhilah; Mulyati, Etty; Permata, Rika Ratna
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 17, No 6 : Al Qalam (November 2023)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v17i6.2719

Abstract

Dalam perjanjian endorsement, pihak endorser seringkali hanya menerima perjanjian dengan klausula baku yang telah dibuat oleh endorsee. Hal ini memunculkan ketidakseimbangan dan wanprestasi yang mengarah perlunya diberikan tempat yang layak bagi keberadaan asas itikad baik dalam pelaksanaan perjanjian endorsement. Penelitian ini dilakukan untuk mengkaji dan menganalisa akibat hukum dan pertanggungjawaban hukum penggunaan klausula baku yang merugikan endorser dalam perjanjian endorsement dikaitkan dengan asas itikad baik dalam KUH Perdata. Penelitian ini menggunakan metode yuridis normatif untuk menelaah kaidah-kaidah dalam hukum positif dengan spesifikasi penelitian deskriptif analitis mengenai peraturan perundang-undangan terkait seperti KUH Perdata, buku-buku, literatur terkait lainnya, serta dokumen perjanjian endorsement sebagai objek penelitian, dianalisa secara kualitatif, untuk mengungkapkan kenyataan yang ada berdasarkan hasil penelitian berupa deskripsi atau penjelasan terkait penyelesaian masalah dalam penelitian ini. Hasil dari penelitian ini, yaitu pertama, akibat hukum dari penerapan klausula baku dalam perjanjian endorsement yang merugikan endorser terkait dengan asas kepatutan, yaitu perjanjian endorsement ini dapat dibatalkan sebagian atau seluruhnya, sebab dapat dibatalkannya perjanjian yaitu adanya adanya cacat kehendak yang dilakukan oleh endorsee, yang menyalahgunakan keadaan akibat ketidakseimbangan finansial sehingga rumusan prestasi dalam perjanjian endorsement pun tidak berimbang dan tidak patut. Kedua, endorser berhak atas pemenuhan prestasi sesuai yang diperjanjikan dan/atau pembayaran ganti rugi dari pihak endorsee sebagai wujud pertanggungjawabannya, apabila endorser dapat membuktikan bahwa klausula baku tersebut telah merugikannya.
Optimalisasi Pembiayaan Perusahaan Modal Ventura Terhadap Pelaku Usaha Kecil Berbasis Ekonomi Kreatif Yang Berkeadilan Robby, Muhammad Abdu; Mulyati, Etty; Harrieti, Nun
Pagaruyuang Law Journal Volume 6 Nomor 1, Juli 2022
Publisher : Universitas Muhammadiyah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31869/plj.v0i0.3821

Abstract

Adanya permasalahan permodalan yang dihadapi oleh para pengusaha ekonomi kreatif merupakan masalah dasar yang harus segera di selesaikan agar pemerintah dapat mendorong peningkatan ekonomi dan daya saing ekonomi kreatif. Penelitian ini berujuan untuk mengetahui pengaturan modal ventura di Indonesia dalam rangka mendorong perkembangan usaha kecil berbasis ekonomi kreatif yang berkeadilan, serta mengetahui upaya optimalisasi pembiayaan perusahaan modal ventura dalam mendorong pengembangan usaha kecil berbasis ekonomi kreatif melaluikajian peraturan Tentang Perusahaan Modal Ventura di Indonesia. Metodepenelitian yang digunakan yaitu menggunakan metode pendekatan yuridis normatif, yakni merupakan penelitian yang dilakukan menggunakan pendekatan perundang-undangan atau peraturan tertulis. Hasil penelitian menunjukan bahwa Indonesia memiliki peraturan tentang perusahaan modal ventura yang dikeluarkan oleh Otoritas Jasa Keuangan, hal tersebut sejalan dengan tujuan nasional tentang peningkatan pertumbuhan ekonomi pengusaha menengah dan kecil pada bidang ekonomi kreatif, Optimalisasi pembiayaan perusahaan modal ventura dalam mendorong pengembangan usaha kecil berbasis ekonomi kreatif melalui program Pendampingan akses permodalan sektor Non Perbankan Modal Ventura dan Dana Masyarakat merupakan program prioritas pemerintah dengan indikator Jumlah pelaku ekonomi kreatif yang mendapat Pendampingan akses permodalan sektor Non Perbankan Modal Ventura dan Dana Masyarakat.
Genealogy of Islamic Business Organization: The Institutional Approach Towards Current Islamic Corporate Law Afdal, Windi; Murwadji, Tarsisius; Supriyatni, Renny; Mulyati, Etty; Mbilinyi, Francis Daniel
Jurnal Media Hukum Vol 31, No 1: June 2024
Publisher : Fakultas Hukum Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jmh.v31i1.20132

Abstract

This article examines the social foundation which posed challenges to the adoption of corporate form as a business entity within the framework of Islamic legal tradition. This article employs juridical-normative research analysis with socio-legal approach. This paper concludes: (1) The corporate legal form was not required by the medieval Islamic legal system as well as the case in Western Europe due to several reason such as: an institutional vacuity; withdrawal of community capital resources into waqf institutions; stagnancy in institutional development of business organizations in Islamic law; and inability of the Muslim business elite to consolidate power. (2) In classical fiqh discussions, Islamic business organizations do not have legal personality. The closest approximation to corporate legal entities found in Islam have been bayt al-māl (public treasury), mosque property, and waqf (trusts).  Recently, the scholars have approved the corporate form on the basis of fiqh principles of qiyas (analogy) and istihsan, or masaliha mursalah (public interest). 
THE DOMINANT POSITION OF MARKETPLACES IN COOPERATION AGREEMENTS WITH MICRO AND SMALL ENTERPRISES (MSEs) REFERRED TO THE PRINCIPLE OF BALANCE Yoga Murti, Ignaz Pradhana; Mulyati, Etty; Ratna Permata, Rika
Jurnal Poros Hukum Padjadjaran Vol. 5 No. 1 (2023): JURNAL POROS HUKUM PADJADJARAN
Publisher : Fakultas Hukum Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23920/jphp.v5i1.1534

Abstract

As one of the pillars supporting the economy in Indonesia, Micro and Small Enterprises (MSEs) are an instrument of economic development and equitable distribution of community welfare. MSEs have a very important role in moving the wheels of the national economy. Currently, MSEs in running their business cannot be separated from information technology facilities, one of which is through the marketplace. However, in the implementation of transactions through the marketplace, there are problems in terms of making agreements between the marketplace and MSEs where there is a dominant position of one of the parties. The research method used in this research is normative juridical by focusing on library law research. The results show that in electronic transactions there is an imbalance in the position between the marketplace and the seller, including MSEs, which causes the position of MSEs to be vulnerable and the position is not balanced. In the cooperation agreement, there are terms and conditions that force MSEs to agree to all agreements determined unilaterally by the marketplace. Therefore, the role of the government is needed to assist and protect MSEs so that they are not disadvantaged by certain parties and can play an optimal role in the national economy.
Co-Authors Aam Suryamah Agus Budiman Agus Mulya Karsona Agus Suwandono Agus Suwandono Agus, Yoga Mulya Amini, Risya Ainun Zakiyah Angelica Janwarin, Katarina Zein Ariapramuda, Switcha Differentia Betty Rubiati Cita, Huriyah Raih Deviana Yuanitasari Dewi Parhusip Djuhaendah Hasan Dwi Nugrohandini Dwiputri, Fajrina Aprilianti Elvetta, Shisca Fadzlurrahman Fadzlurrahman Fakhri, Muhammad Ibnu Farros Naufal Ridwan Ghassani, Devy Nadhilah Hakim, Lukmanul Helza Nova Lita Holyness N. Singadimedja Huriah Raih Cita Ijud Tajudin Illona Novira Elthania Irman Widi Kurniawan Isis Ikhwansyah Isis Ikhwansyah Julya, Monique Salcha Kartikasari Kartikasari Kartikasari, Luciana Asih Lastuti Abubakar Lastuti Abubakar Madjid, Taufan Adi Permana Mbilinyi, Francis Daniel Muhammad Miftahul Farah Nugrohandhini, Dwi Nun Harrieti Nun Harrieti, Nun Nurhayati, Elis Purnama Trisnamansyah Rafan Darodjat Ragga Bimantara Rai Mantili Renny Supriyatni Bachro Rifasya Naura Salsabila Rika Ratna Permata Risdy Ardiansyah Robby, Muhammad Abdu Sapta Nur Fallah Savirra Satriadi Shafa Dinda Putri Shaleemar Nandita Lilawanti Sherly Ayuna Putri Supraba Sekarwati Widjayani Sutiawan, Hendrik Agus Syifa Afiani Widaningtyas Tarsisius Murwadji Tri Handayani Vidaro, Radhika Althaf Wiganarto, Tri Utomo Windi Afdal, Windi Yoga Murti, Ignaz Pradhana Zulfa, Indani