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Consumer Protection in the Banking Credit Agreement in Accordance with the Principle of Proportionality under Indonesian Laws Dwi Ratna Indri Hapsari; Kukuh Dwi Kurniawan
Fiat Justisia: Jurnal Ilmu Hukum Vol 14 No 4 (2020)
Publisher : Universitas Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25041/fiatjustisia.v14no4.1884

Abstract

The implementation of the principle of freedom of contract gives rise to the types of agreements not regulated in the law or The Indonesian Civil Code (ICC). We are familiar with the term Standard contract or standard agreement. Standard agreements are often used in the banking world, one of which is in banking credit agreements, as we all understand that the position of the customer is weaker than the bank, so it must be protected by law. In order to protect these interests, the customer is given protection contained in the Banking Act regulations as well as the Consumer Protection Act and its derivative regulations. Specifically, the credit agreement format as the standard agreement set out in Financial Services Authority Circular Number 13 / SEOJK.07 / 2014 Concerning Standard Agreements is that credit agreements that contain rights, obligations and requirements that are legally binding on customers, are required to use letters, writing, symbols, diagrams, signs, terms, readable phrases, and / or sentences simple ones in Indonesian that are easily understood by customers. This is in an effort to provide protection to customers and the regulatory and supervisory functions of the Financial Services Authority.
Pertanggungjawaban Pidana Korporasi Menurut Vicarious Liability Theory Kukuh Dwi Kurniawan; Dwi Ratna Indri Hapsari
Jurnal Hukum IUS QUIA IUSTUM Vol. 29 No. 2: MEI 2022
Publisher : Fakultas Hukum Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/iustum.vol29.iss2.art5

Abstract

The development of the corporation is eventually positioning itself as an entity that gets stronger and more powerful due to its advantages over entities in the form of natural humans. These advantages can be realized through a combination of a group of people and assets that they can create a social impact around them. Corporations that have been sentenced to criminal penalty in the form of monetary fine create injustice as they consist of a collection of people from various duties and their respective functions, hence only a few people have the authority to determine the direction of the corporate policy, therefore the penalty in the form of fine are distributed to all sectors of the corporation to share the burden. This shows that the corporation management is the party responsible for corporate crimes. This study uses a normative juridical method by parsing the doctrine of vicarious liability. The results of this study conclude that to identify who is most responsible for the criminal acts of the corporation through the approach of Vicarious Liability Theory, it is the actually the management, where every action of the corporations falls within the authority and the will of the management, thus it is the corporate management which becomes the party most responsible for the criminal action committed by the corporation. Key Words: Corporation; vicarious liability; criminal liability Abstrak Perkembangan korporasi makin hari memposisikan sebagai sebuah entitas yang semakin kuat dan berkuasa karena memiliki kelebihan dibandingkan entitas berupa manusia alamiah. Kelebihan itu dapat diwujudkan melalui gabungan sekumpulan manusia dan kekayaan sehingga dapat menciptakan dampak sosial di sekitarnya. Korporasi yang telah dijatuhkan pidana berupa denda memunculkan ketidakadilan, karena korporasi terdiri dari kumpulan orang dari berbagai tugas dan fungsinya masing-masing, sehingga hanya beberapa orang saja yang memiliki kewenangan dan menentukan arah kebijakan korporasi tersebut, oleh karenanya adanya putusan berupa denda itu menjadikan semua sektor pada korporasi tersebut harus ikut menanggung beban denda. Hal ini memberikan gambaran bahwa pengurus korporasi sebagai pihak yang bertanggung jawab atas tindak pidana korporasi. Penelitian ini menggunakan metode yuridis normatif dengan mengurai doktrin vicarious liability. Hasil penelitian ini menyimpulkan bahwa untuk mencari siapa yang paling bertanggung jawab atas perbuatan pidana dari korporasi melalui pendekatan Vicarious Liability Theory adalah pengurus, dimana langkah gerak korporasi merupakan kewenangan dan kehendak dari pengurus sehingga pengurus korporasi menjadi pihak yang paling bertanggungjawab atas korporasi yang melakukan perbuatan pidana. Kata Kunci: Korporasi; vicarious liability; pertanggungjawaban pidana
Pemberlakukan Plea Bargaining System Sebagai Alternatif Penyelesaian Perkara Pidana Untuk Tujuan Menyelesaikan Konflik Kukuh Dwi Kurniawan; Dwi Ratna Indri Hapsari; Izza Enggar Prasetya
Jurnal Jurisprudence Vol 10, No 2 (2020): Vol. 10, No. 2, Desember 2020
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jurisprudence.v10i2.12949

Abstract

Tujuan : artikel ini bertujuan untuk memberikan gambaran alternative penyelesaian perkara pidana melalui Plea Bargaining System dengan memberikan urian mengenai dampak positif dan negatifnya jika diberlakukan di Indonesia. Metodologi: Penelitian ini menggunakan penelitian yuridis normatif dengan pendekatan konseptual yang menekankan pada paradigma historis dan doktrin terkait Plea Bargaining System. Temuan: Hasil penelitian ini menunjukan bahwa plea bargaining sangat memungkinkan diterapkan di Indonesia, meskipun terdapat kelemahannya dalam penerapannya. Namun, sangat menjadi solusi yang realitistis untuk mengurangi beban perkara pengadilan dan pemidanaan yang lebih dapat mendatangkan kepuasan publik atas terselesainya perkara pidana serta mengdatangkan manfaat baik itu kepada pelaku atau terdakwa, penuntut umum dan yang terutama kepada korban. Selain itu adanya hubungan sistem dan sub-sistem yang selaras pada pembaharuan hukum pidana yang trtuang pada RKUHP dan RKUHAP untuk mencipkan tujuan menciptakan perlindungan masyarakat dan kesejahteraan masyarakat. Kegunaan: Artikel ini diharapkan dapat menjadi rujukan dalam dasar pengambilan kebijakan penyusunan sistem hukum acara pidana yang dapat mewujudkan peradilan cepat, sederhana dan biaya ringan dan tujuan menyelesaikan konflik lebih efektif. Kebaruan/Orisinalitas: Akomodasi Plea Bargaining System dalam Hukum Acara Pidana di Indonesia selaras dengan tujuan dari adanya pemidanaan berupa menyelesaian konflik serta tercapainya kemanfaatan tidak hanya kepada pelaku, namun juga kepada korban berupa adanya kepastian jaminan penggantian kerugian dari pelaku tindak pidana.
Penerapan Asas Kebebasan Berkontrak dan Proporsionalitas dalam Perjanjian Kerja antara Pengusaha dan Pekerja di Banjarmasin Kemal Juniardi; Komariah; Dwi Ratna Indri Hapsari
Indonesia Law Reform Journal Vol. 1 No. 2 (2021): Juli 2021
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (188.046 KB) | DOI: 10.22219/ilrej.v1i2.17208

Abstract

Employment agreements must contain the principle of freedom of contract and the principle of proportionality. However, in practice, these two principles often experience a degradation to be applied in work agreements that bind workers and employers. In addition, from a sociological perspective, the employer is a party that is higher than the workforce, in other words, the worker is the weak party. Workers do not have the freedom to determine what they want, so they just participate in work agreements made by default by the employer. The formulation of the problem from this research is how to apply the two principles into the Employment Agreement, then whether the application of the two principles provides legal protection for workers based on the Employment Agreement, and what factors are the supporting and inhibiting factors in the application of the two principles. The research method used by the author is sociological juridical research at company in Banjarmasin. From this study, the authors found the results that the application of these two principles at PT. Panca Teknik that is not yet fully implemented. This is because there are still conflicts with the law both in terms of the type and content of the work agreement. The inhibiting factor from the application of these two principles is the lack of socialization from the company regarding work agreements for workers. Abstrak Dalam perjanjian kerja yang menjadi suatu dasar yang mengikat, dikenal adanya asas kebebasan berkontrak dan asas proporsionalitas dalam perjanjian tersebut. Namun dalam praktiknya, kedua asas tersebut seringkali mengalami suatu degradasi untuk diterapkan dalam perjanjian kerja yang mengikat pekerja dan pemberi kerja. Selain itu dari segi sosiologis, pemberi kerja merupakan pihak yang lebih tinggi dibandingkan tenaga kerja, dengan kata lain yakni pekerja ialah pihak yang lemah. Pekerja tidak memiliki kebebasan dalam menentukan apa yang menjadi kehendaknya, sehingga turut saja dalam perjanjian kerja yang dibuat secara baku oleh pemberi kerja. Rumusan masalah dari penelitian ini yakni bagaimana penerapan Kedua asas tersebut ke dalam Perjanjian Kerja, lalu apakah penerapan kedua asas tersebut memberikan perlindungan hukum terhadap pekerja berdasarkan Perjanjian Kerja, dan Faktor apa yang menjadi pendukung dan penghambat dalam penerapan kedua asas tersebut. Metode penelitian yang digunakan oleh penulis yakni penelitian yuridis sosiologis di Perusahaan yang berada di Banjarmasin. Hasil penilitan menunjukan bahwa penerapan dari kedua asas tersebut pada Perusahaan yakni belum secara penuh diterapkan. Hal ini dikarenakan bahwa masih terdapat pertentangan dengan undang-undang baik dari jenis maupun isi perjanjian kerja. Faktor penghambat dari penerapan kedua asas tersebut yakni kurangnya sosialisasi dari perusahaan mengenai perjanjian kerja yang terhadap tenaga kerja.
Implementation of E-Court in Civil Life Settlement to Realize Simple Principles Quickly and Low Costs (Study in Malang District Court Class 1a) Ferlyawan Isnanda Nuh; Herwastoeti Herwastoeti; Dwi Ratna Indri Hapsari
Indonesia Law Reform Journal Vol. 2 No. 3 (2022): November, 2022
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (252.709 KB) | DOI: 10.22219/ilrej.v2i3.23264

Abstract

The development of technology and information in the digital era as it is today is a significant change in human behavior. The digital era as it is today requires all elements of society and institutions to meet the needs of the community related to the development of this era. On the basis of this fulfillment, the Supreme Court has created an e-court application. This research is a type of empirical legal research. Empirical legal research is oriented to primary data (research results in the field). As for the results of this study, the implementation of e-court at the Malang District Court has been implemented in accordance with Perma No.1 of 2019, there are 4 features of e-court services, namely registration, payment, summons, and trial, all of which are held electronically. This is also an effort made by the Supreme Court to modernize the judicial process in Indonesia without eliminating aspects that existed in the previous judicial system, namely maximizing the existing potential with the support of information and communication technology. In line with the suitability of the simple principle of fast and low cost, the number of cases at the Malang District Court that entered via e-court in 2019 to 2021 reached 4,985 cases, namely civil cases that include applications, lawsuits, simple claims, and objections. In 2019 there were fewer cases that went through compared to cases that went through the manual procedure, but over time the e-court became effective, and manual case registration began to be abandoned. The effectiveness of e-courts in the settlement of civil cases at the Malang District Court has been running effectively since 2020, namely the examination and settlement of issues are carried out in an efficient and effective manner, and at a cost that the community can reach.
The Effectiveness of Application Mediation in Reducing Divorce Cases at Jombang Religious Court Muhammad Amin Syarifudin; Herwastoeti Herwastoeti; Dwi Ratna Indri Hapsari
Indonesia Law Reform Journal Vol. 2 No. 3 (2022): November, 2022
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (266.182 KB) | DOI: 10.22219/ilrej.v2i3.23339

Abstract

 The reason for the occurrence of divorce at the Jombang Religious Court is due to several factors, but in how many years the pandemic has increased other factors such as a moral crisis, no responsibility, persecution, biological defects, economic problems, and other factors, jealousy, forced marriage, and no household harmony and underage marriage, divorce is a legal way to deal with marital conflicts under the umbrella of Indonesian law and formalized Islamic law, it is hoped that mediation will be the mediating point of all kinds of divorce issues, Mediation is a process of judicial proceedings regulated in PERMA No. 1 of 2016 concerning mediation procedures in court. the implementation of mediation at the Jombang Religious Court has been carried out according to the procedure, but in the last 4 years the Jombang Religious Court has experienced an increase in cases and the number that cannot be mediated is quite a lot due to the absence of the parties even though they have been summoned more than twice but the parties still choose not present so that the case continues and cannot be mediated, while cases that can be mediated are influenced by the peaceful intentions of both parties so that the mediation can be carried out or those who are being mediated choose to come because they demand their rights as in the case of divorce talk is alimony arising from divorce, so the authors found the ineffectiveness of mediation in its implementation which was unsuccessful due to several obstacles in its implementation, namely the strong desire between parties, ignorance of the importance of mediation by the community, the role of advocates. The author also provides a solution to the obstacles to the ineffectiveness of mediation by maximizing the panel of judges, mediation training, the role of the mediator, the role of the government, and evaluating the performance of the mediator.
Ideal Double-Track System Construction for Narcotics Abusers in Indonesia Yaris Adhial Fajrin; Dwi Ratna Indri Hapsari; Nu’man Aunuh; Iga Aprilia
Jurnal Cita Hukum Vol 10, No 3 (2022)
Publisher : Fakultas Syariah dan Hukum, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/jch.v10i3.22690

Abstract

Not only providing benefits for humans, but narcotic substances can also be a threat to the life of a nation if the substance is misused. There are various forms of narcotics abuse (which by Indonesia is categorized as a crime according to Law Number 35 Year 2009), one of which is the act of using/consuming narcotics for own self against the law (illegal). The existence of narcotics abusers for themselves opens up opportunities for perpetrators to experience dependence on these substances or commonly referred to as narcotics addicts. The Indonesia Narcotics Law regulates two forms of sanctions for narcotics abusers for themselves, namely criminal sanctions and treatment sanctions in the form of rehabilitation, which are accommodated in the double-track system model. Through normative legal research methods, this paper will provide an ideal description of the double-track system model in efforts to enforce criminal law for narcotics abusers in Indonesia, so that the sentencing model can effectively solve the dependency problem experienced by perpetrators (narcotics addicts) who are in the process of committing crimes. Indonesian criminal justice.
Legal Consequences of Marriage Agreement to Interested Third Parties Rhesita Ayu Sophia Dewi; Herwastoeti; Dwi Ratna Indri Hapsari
Indonesia Law Reform Journal Vol. 3 No. 1 (2023): March, 2023
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/ilrej.v3i1.25362

Abstract

Marriage is a bond that forms a family within society and the state. With the existence of marriage can realize the welfare and happiness between humans. In a marriage, the husband or wife certainly brings assets called innate assets. So, before the marriage takes place, the prospective husband and wife make a marriage agreement which is a form of agreement made between one party and another and there is no coercion from any party. This study aims to find out how the process of making a marriage agreement deed and to find out whether the marriage agreement has legal consequences for third parties. The type of research used is empirical juridical with primary data and secondary data. Data collection techniques with interviews and observation. The results of the study show that in Law No. 1 of 1974 concerning Marriage, what is unanimously mixed are assets acquired during marriage. As for inherited assets, they remain under the authority of each unless mutually agreed upon by the husband and wife to be united in joint property. In the marriage agreement besides binding the husband and wife, the marriage agreement is also binding on third parties. So, this is a third party is very interested. Abstrak Perkawinan merupakan ikatan yang membentuk suatu keluarga di dalam lingkungan masyarakat dan negara. Dengan adanya perkawinan dapat mewujudkan kesejahteraan dan kebahagiaan antar manusia. Dalam suatu perkawinan suami atau istri tentunya membawa harta yang disebut harta bawaan. Maka sebelum perkawinan berlangsung para calon suami dan isteri membuat perjanjian perkawinan yang merupakan salah satu wujud dari perjanjian yang dibuat antara satu pihak dengan pihak yang lain dan tidak ada paksaan dari pihak manapun. Penelitian ini bertujuan untuk mengetahui bagaimana proses dalam pembuatan akta perjanjian perkawinan serta untuk mengetahui apakah perjanjian perkawinan memiliki akibat hukum bagi pihak ketiga. Jenis penelitian yang digunakan adalah yuridis empiris dengan data perimer dan data skunder. Teknik pengumpulan data dengan wawancara dan observasi. Hasil penelitian menunjukkan bahwa dalam Undang – Undang Nomor 1 Tahun 1974 tentang Perkawinan, yang dicampurkan secara bulat adalah harta yang diperoleh selama perkawinan. Sedangkan untuk harta bawaan tetap di bawah kekuasaan masing-masing kecuali disepakati bersama oleh suami dan istri untuk disatukan dalam harta bersama. Dalam perjanjian pernikahan selain mengikat pasangan suami-istri tersebut, perjanjian perkawinan juga mengikat terhadap pihak ketiga. Maka hal ini pihak ketiga sangat berkepentingan.  
Ideal Double-Track System Construction for Narcotics Abusers in Indonesia Yaris Adhial Fajrin; Dwi Ratna Indri Hapsari; Nu’man Aunuh; Iga Aprilia
Jurnal Cita Hukum Vol 10, No 3 (2022)
Publisher : Fakultas Syariah dan Hukum, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/jch.v10i3.22690

Abstract

Not only provide benefits for humans, but narcotic substances can also threaten a nation's life if the meaning is misused. There are various forms of narcotics abuse (which by Indonesia is categorized as a crime according to Law Number 35 the Year 2009), one of which is the act of using/consuming narcotics for own self against the law (illegal). The existence of narcotics abusers for themselves opens up opportunities for perpetrators to experience dependence on these substances, commonly referred to as narcotics addicts. The Indonesia Narcotics Law regulates two forms of sanctions for narcotics abusers for themselves, namely criminal sanctions and treatment sanctions in the form of Rehabilitation, which are accommodated in the double-track system model. Through normative legal research methods, this paper will provide an ideal description of the double-track system model in efforts to enforce criminal law for narcotics abusers in Indonesia so that the sentencing model can effectively solve the dependency problem experienced by perpetrators (narcotics addicts) who are in the process of committing crimes—Indonesian criminal justice.
Assistance in managing business legality in Omah Kripik Mbote Muhammad Luthfi; Dwi Ratna Indri Hapsari
Community Empowerment Vol 8 No 5 (2023)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/ce.8431

Abstract

The ability of a business to operate legally is crucial for consumer confidence as well as providing capital for network formation and expansion. However, it is common for business actors, particularly MSMEs (micro, small, and medium-sized enterprises), to operate their companies without following the law, as is the case with the Omah Kripik Mbote. This activity's goals are to strengthen the business legality framework for partners' owned business products and to give a better understanding of business law. The following activities are used to carry out Omah Kripik Mbote's business legal assistance programs: 1) dissemination of policies for handling business legality; 2) assistance in determining the needs for processing business legality; and 3) assistance in processing business legality. The outcomes of this program included the issuance of a certificate of domicile for the Omah Kripik Mbote company and an NIB with the KBLI code.