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Tantangan Pengikatan Hak Cipta Sebagai Agunan Kredit Perbankan di Indonesia Irfan Hibatullah; Annalisa Y; M Syaifuddin; Putu Samawati; Kn Sofyan Hasan
Innovative: Journal Of Social Science Research Vol. 3 No. 4 (2023): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v3i4.4508

Abstract

Perlindungan terhadap hak cipta sangat penting terutama bagi negara-negara berkembang di masa depan. Karena merupakan instrument baru yang patut dikelola dengan baik. Hak Cipta merupakan salah satu hak kebendaan bergerak yang tidak berwujud (intangible assets). Dalam hal ini, hak cipta mempunyai hak ekonomi dan dapat memberikan keuntungan secara finansial, maka hak cipta dapat dijadikan objek agunan perbankan. Penelitian ini menggunakan penelitian hukum doctrinal melalui pendekatan kualitatif dengan memanfaatkan data sekunder sebagai data utama berdasarkan penelusuran literatur. Sumber data penelitian adalah peraturan perundang-undangan, teori dan konsep-konsep hukum yang relevan. Data dianalisis menggunakan metode yuridis kualitatif dan penarikan logika berpikir deduktif. Hasil penelitian menunjukan masih ada tantangan dalam pelaksanaan pengikatan hak cipta sebagai agunan kredit perbankan seperti tantangan tantangan belum adanya peraturan pelaksana yang lebih rinci antar instansi terkait, belum adanya lembaga penilai hak cipta yang efektif dan sistem deklaratif menentukan siapa yang berhak sebagai Pemberi Fidusia. Maka kedepan diperlukan Langkah strategis yang tepat berupa tindak lanjut dari aspek teknis, regulatif, administratif dan implementatif berupa pembentukan formulasi skema pembiayaan berbasis KI sehingga memberikan kepastian hukum dan perlindungan hukum bagi para pihak serta koordinasi dan sinergi antar kementerian dalam pengikatan hak cipta sebagai agunan kredit perbankan di Indonesia.
PERTANGGUNGJAWABAN HUKUM ATAS PENGAKTIFAN YAYASAN YANG TELAH DIBEKUKAN Achmad Abie Maulana; Putu Samawati
Legal System Journal Vol. 2 No. 2 (2025): December 2025
Publisher : CV. Kimtaro Jaya Abadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/lsj.v2i2.609

Abstract

Abstrak:Penelitian ini membahas mengenai pertanggungjawaban hukum atas pengaktifan kembali YayasanPutra Putri Sriwijaya setelah pembekuannya oleh Dinas Kebudayaan dan Pariwisata Provinsi SumateraSelatan. Permasalahan penelitian meliputi latar belakang pembekuan yayasan oleh pemerintah daerah,bentuk pertanggungjawaban hukum atas pembekuan yayasan, serta mekanisme pengaktifan kembaliyayasan yang telah dibekukan. Penelitian ini menggunakan metode penelitian hukum normatif denganpendekatan perundang-undangan dan pendekatan konseptual. Hasil penelitian menunjukkan bahwapembekuan Yayasan Putra Putri Sriwijaya disebabkan oleh tindakan pengurus yang tidak menjalankantugas sesuai dengan anggaran dasar, kurangnya koordinasi dengan pembina, serta pelanggaran prinsipitikad baik dalam pengelolaan yayasan. Dalam kondisi tersebut, pengurus yayasan dapat dimintaipertanggungjawaban pribadi apabila tindakan mereka menimbulkan kerugian bagi yayasan, pihakketiga, atau pemerintah daerah. Pengaktifan kembali yayasan hanya dapat dilakukan setelahterpenuhinya persyaratan administratif dan hukum, termasuk pembaruan struktur organisasi,penyesuaian dokumen hukum, serta verifikasi legalitas oleh pemerintah daerah sesuai ketentuanUndang-Undang Yayasan. Penelitian ini menegaskan pentingnya penerapan prinsip perlindunganhukum, kepastian hukum, serta teori organ dalam menjamin tata kelola yayasan yang transparan danakuntabel.Kata Kunci: Pertanggungjawaban Hukum, Yayasan, Pengaktifan Kembali Yayasan Abstract:This study examines the legal responsibility related to the reactivation of the Putra Putri SriwijayaFoundation after its suspension by the Department of Culture and Tourism of South Sumatra Province.The research focuses on the background of the suspension, the legal responsibility arising from thesuspension, and the mechanism for reactivating the foundation. This research uses a normative legalmethod with statutory and conceptual approaches. The results show that the suspension occurred dueto the management’s failure to perform their duties in accordance with the articles of association, lackof coordination with the board of trustees, and violations of the principle of good faith in managing thefoundation. The management may be held personally liable if their actions cause losses to thefoundation, third parties, or the local government. The reactivation of the foundation can be carriedout after fulfilling administrative and legal requirements in accordance with the Foundation Law. Thisstudy emphasizes the importance of legal protection, legal certainty, and organ theory in ensuringtransparent and accountable foundation governance.Keywords: Legal Responsibility, Foundation, Foundation Reactivation
THE CHARACTERISTICS OF LOSSES ARISING FROM THE MISUSE OF DEBTORS' PERSONAL DATA IN ONLINE LENDING AGREEMENTS Sherly Kurnaini; Muhammad Syaifuddin; Putu Samawati
Lex LATA Vol. 8 No. 1 (2026): MARET 2026
Publisher : Fakultas Hukum Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28946/lexl.v8i1.3827

Abstract

The rapid growth of online loan (fintech lending) services in Indonesia has expanded public access to financial services while simultaneously raising legal concerns regarding the protection of borrowers’ personal data. During the online verification process, borrowers are often required to grant access to personal information, creating significant risks of misuse. In practice, some online loan providers exploit borrowers’ personal data, including contact lists, as a means of debt collection through intimidation, harassment, or unauthorized dissemination of personal information, causing both material and immaterial losses. This study examines the following research questions: (1) what are the legal characteristics of losses arising from the misuse of borrowers’ personal data in online lending services, and (2) what is the legal liability of creditors for such misuse? Accordingly, this study aims to analyze the characteristics of the losses suffered by borrowers and to examine the legal responsibility of creditors who misuse borrowers’ personal data. This research employs a normative legal research method using statutory, conceptual, and case approaches through the analysis of primary and secondary legal materials. The findings reveal that the legal relationship between creditors and borrowers is established through a standard form agreement that limits borrowers’ bargaining power. Borrowers may suffer material and immaterial damages resulting from unlawful debt collection practices involving the misuse of personal data. Creditors may therefore incur civil liability in the form of compensation, while Law No. 27 of 2022 on Personal Data Protection also provides administrative and criminal sanctions for unlawful processing of personal data. In conclusion, Indonesia still lacks comprehensive legislation specifically regulating online lending agreements, making stronger legal protection necessary to ensure legal certainty and safeguard borrowers’ personal data rights.