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All Journal Jurnal Privat Law Privat Law Literatus Interdisciplinary Social Studies Jurnal IPTEK Bagi Masyarakat POLICY, LAW, NOTARY AND REGULATORY ISSUES (POLRI) Cerdika: Jurnal Ilmiah Indonesia
Mukhammad, Bahir
Universitas Terbuka, Indonesia
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Physics Public Health Social Sciences

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KEWENANGAN OTORITAS JASA KEUANGAN TERHADAP GANTI KERUGIAN NASABAH BANK YANG BELUM DIBAYAR PIHAK BANK Mukhammad, Bahir; Asrori S, M.Hudi
Jurnal Privat Law Vol 5, No 1 (2017): JANUARI-JUNI
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v5i1.19342

Abstract

AbstractThis article aims to know Bank rensposible for deposan customer compensation because of bank officer do violation of law. This type of research used by the authors to draw up legal research are doctrinal legal research.  The author uses the approach of statue (statue approach), that is by analyze regulations which are related on cases pertaining who already have permanent legal force. Legal materials analysis techniques used by the author is to use legal reasoning by deduction. All activities of bank itself can pose a particular risks. Risks which may arise in banking operations include liquidity, market risk , credit risk , operational risk , and the risk of the owner or caretaker. The risk of the owner or caretaker often happens because of lack of maximum application of the prudence principle (prudence banking principle). Bank X sued by the plaintiff for violation of the law for the withdrawal of funds without permission of a plaintiff. Disbursement of funds done by a defendant III who is employees from the bank X. Based on Act 9 Part c UU OJK, it said that in carrying out supervisory duties Financial Service Authority (OJK) has authority of “supervise, examine, investigate, do consumer protection, and other action towards financial services institutions, doer, and/or supporting activities financial services as referred to in legislation in the services sector financial”. The existence of ojk as an institution supervisor in the financial sector is expected to protect consumers of an offender financial services considered can harm the interests of consumers, in this case the consumer bank.Keyword: financial services authority, legal protection, bank costumer AbstrakArtikel ini bertujuan untuk mengetahui tanggung jawab Bank atas ganti kerugian terhadap nasabah deposan yang disebabkan perbuatan melawan hukum pegawai bank. Jenis penelitian yang digunakan oleh penulis untuk menyusun penelitian hukum ini adalah penelitian hukum doktrinal. Penulis menggunakan pendekatan perundang-undangan (statue approach), yaitu dilakukan dengan menelaah semua undang-undang dan regulasi yang bersangkut paut dengan isu hukum yang ditangani. Teknik analisis bahan hukum yang digunakan penulis adalah dengan menggunakan penalaran hukum dengan metode deduksi. Setiap pelaksanaan kegiatan perbankan sendiri dapat menimbulkan risiko-risiko tertentu. Risiko yang mungkin timbul dalam operasional perbankan meliputi risiko likuiditas, risiko pasar, risiko kredit, risiko operasional, risiko hukum dan risiko pemilik atau pengurus. Risiko pemilik atau pengurus sering terjadi karena kurang maksimalmya penerapan prinsip kehati-hatian (prudence banking principle). Bank X digugat Penggugat melakukan Perbuatan Melawan Hukum atas pencairan dana tanpa izin dari Penggugat. Pencairan dana dilakukan oleh Tergugat III yang merupakan Pegawai dari Bank X. Berdasarkan Pasal 9 huruf c UU OJK dikatakan bahwa dalam melaksanakan tugas pengawasan OJK memiliki kewenangan “melakukan pengawasan, pemeriksaan, penyidikan, perlindungan konsumen, dan tindakan lain terhadap lembaga jasa keuangan, pelaku, dan/atau penunjang kegiatan jasa keuangan sebagaimana dimaksud dalam peraturan perundang-undangan di sektor jasa keuangan”. Keberadaan OJK sebagai lembaga pengawas di sektor jasa keuangan, diharapkan mampu melindungi konsumen dari pelaku jasa keuangan yang dinilai dapat merugikan kepentingan konsumen, dalam hal ini konsumen Bank.Kata Kunci: Otoritas Jasa Keuangan, Perlindungan Hukum, Nasabah Bank
KEWENANGAN OTORITAS JASA KEUANGAN TERHADAP GANTI KERUGIAN NASABAH BANK YANG BELUM DIBAYAR PIHAK BANK Bahir Mukhammad; M.Hudi Asrori S
Jurnal Privat Law Vol 5, No 1 (2017): JANUARI-JUNI
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v5i1.19342

Abstract

AbstractThis article aims to know Bank rensposible for deposan customer compensation because of bank officer do violation of law. This type of research used by the authors to draw up legal research are doctrinal legal research.  The author uses the approach of statue (statue approach), that is by analyze regulations which are related on cases pertaining who already have permanent legal force. Legal materials analysis techniques used by the author is to use legal reasoning by deduction. All activities of bank itself can pose a particular risks. Risks which may arise in banking operations include liquidity, market risk , credit risk , operational risk , and the risk of the owner or caretaker. The risk of the owner or caretaker often happens because of lack of maximum application of the prudence principle (prudence banking principle). Bank X sued by the plaintiff for violation of the law for the withdrawal of funds without permission of a plaintiff. Disbursement of funds done by a defendant III who is employees from the bank X. Based on Act 9 Part c UU OJK, it said that in carrying out supervisory duties Financial Service Authority (OJK) has authority of “supervise, examine, investigate, do consumer protection, and other action towards financial services institutions, doer, and/or supporting activities financial services as referred to in legislation in the services sector financial”. The existence of ojk as an institution supervisor in the financial sector is expected to protect consumers of an offender financial services considered can harm the interests of consumers, in this case the consumer bank.Keyword: financial services authority, legal protection, bank costumer AbstrakArtikel ini bertujuan untuk mengetahui tanggung jawab Bank atas ganti kerugian terhadap nasabah deposan yang disebabkan perbuatan melawan hukum pegawai bank. Jenis penelitian yang digunakan oleh penulis untuk menyusun penelitian hukum ini adalah penelitian hukum doktrinal. Penulis menggunakan pendekatan perundang-undangan (statue approach), yaitu dilakukan dengan menelaah semua undang-undang dan regulasi yang bersangkut paut dengan isu hukum yang ditangani. Teknik analisis bahan hukum yang digunakan penulis adalah dengan menggunakan penalaran hukum dengan metode deduksi. Setiap pelaksanaan kegiatan perbankan sendiri dapat menimbulkan risiko-risiko tertentu. Risiko yang mungkin timbul dalam operasional perbankan meliputi risiko likuiditas, risiko pasar, risiko kredit, risiko operasional, risiko hukum dan risiko pemilik atau pengurus. Risiko pemilik atau pengurus sering terjadi karena kurang maksimalmya penerapan prinsip kehati-hatian (prudence banking principle). Bank X digugat Penggugat melakukan Perbuatan Melawan Hukum atas pencairan dana tanpa izin dari Penggugat. Pencairan dana dilakukan oleh Tergugat III yang merupakan Pegawai dari Bank X. Berdasarkan Pasal 9 huruf c UU OJK dikatakan bahwa dalam melaksanakan tugas pengawasan OJK memiliki kewenangan “melakukan pengawasan, pemeriksaan, penyidikan, perlindungan konsumen, dan tindakan lain terhadap lembaga jasa keuangan, pelaku, dan/atau penunjang kegiatan jasa keuangan sebagaimana dimaksud dalam peraturan perundang-undangan di sektor jasa keuangan”. Keberadaan OJK sebagai lembaga pengawas di sektor jasa keuangan, diharapkan mampu melindungi konsumen dari pelaku jasa keuangan yang dinilai dapat merugikan kepentingan konsumen, dalam hal ini konsumen Bank.Kata Kunci: Otoritas Jasa Keuangan, Perlindungan Hukum, Nasabah Bank
Tanggung Jawab Hukum atas Informasi Individu Pemilih pada Pemilu 2024 Mukhammad, Bahir
LITERATUS Vol 6 No 2 (2024): Jurnal Ilmiah Internasional Sosial Budaya
Publisher : Neolectura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37010/lit.v6i2.1868

Abstract

The proper to individual security could be a ensure of sacred rights contained in Article 28 F of the 1945 Structure which states that everybody has the right to urge information to create the individual and social environment, as well as the proper to look for, get, have, store, prepare, and pass on data utilizing all sorts of accessible channels. Individual Information in the form of direct or indirect data can be managed by individuals, public bodies, and international organizations with the permission of the proprietor of the individual information. The General Election Commission as the public body organizing the general election processes Individual Information in order to create election digitization starting from the pre-election stage, election to the post-election stage. The digitization process itself is accompanied by technological risks such as the collection of Individual Information by unauthorized parties through the database of election organizers. The irresponsible use of Individual Information has consequences for legal liability. How far is the legal responsibility for voters' Individual Information and how effective is the implementation of the Individual Information Protection Law on voter data and which Individual Information protection patterns need to be developed. This research focuses on the analysis of legal liability and the ideal concept of providing compensation for victims of Individual Information misuse is a juridical-normative study. The analysis of legal materials is carried out qualitatively-prescriptively, which is oriented to answering legal problems that have been raised with a regulatory and conceptual approach. The purpose of this research is to examine who is responsible for Individual Information and evaluate how well voter Individual Information security is being implemented during general elections. It is expected that the findings of this consider will progress our understanding of the election law and inspire more research about it.
Indonesian Migrant Workers: The Analysis of Legal Policy in Gender Issue Mukhammad, Bahir; Kridasakti, Sri Wahyu; Rudolf, Paulus; Hilmy, Umu
POLICY, LAW, NOTARY AND REGULATORY ISSUES Vol. 4 No. 2 (2025): APRIL
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/polri.v4i2.1706

Abstract

The majority of Indonesian migrant workers (PMI) are women (85%), who frequently face gender-based rights violations and inadequate legal protection abroad. While the Declaration of Human Rights promotes equality, these principles often remain nominal, with basic human rights (Law No. 39/1999) being overlooked by host country authorities. Legal issues faced by female PMI stem largely from limited legal literacy regarding both Indonesian and host country labor laws. From a legal-historical perspective, gender-related socio-legal constructions have perpetuated an unequal division of roles for women. This study addresses the historical legal regulation of Indonesian migrant workers from a gender perspective in host countries. The study aims to offer policy insights for curriculum development in PMI training and promote legal literacy through MOOCs. Using a normative legal-historical approach and statute-based analysis, this research examines labor laws from four host countries (Saudi Arabia, Hong Kong, Malaysia, and Taiwan), supported by secondary sources such as academic texts and media reports. All materials are analyzed using an interactive qualitative data model and the analytical theory of legal protection. The results show gaps in laws for protecting workers, mainly due to limited regulations and legal knowledge. While national efforts such as Law No. 18 of 2017 and the establishment of BNP2TKI (via Presidential Regulation No. 81/2006) represent progress, further improvement is needed.  Hence, the study suggests adding gender-sensitive legal topics into PMI training and using MOOCs to increase legal awareness for female migrant workers.
Cross-Sector Collaboration as a Strategy to Mitigate the Ecological Impact of Election Implementation Bahir Mukhammad; Megafury Apriandhini; Agus Iskandar Pradana Putra
Interdisciplinary Social Studies Vol. 5 No. 1 (2025): Regular Issue: October-December 2025
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/iss.v5i1.975

Abstract

Simultaneous general elections throughout Indonesia can have a substantial environmental impact. The primary environmental challenge, which repeatedly causes problems, is the inadequate management of waste from campaign props. Waste management for campaign materials has not been specifically regulated, leading to policy inconsistencies across regions. Currently, managing waste from campaign props falls under the responsibility of Regional Apparatus Organizations, which process it for reuse where possible. Waste that cannot be reused must not be disposed of in Final Disposal Sites (TPA). The limited number of landfills and waste recycling sites in each region is insufficient compared to the volume of campaign props used in simultaneous elections. The Province of Bali took the initiative to implement green elections from the initial planning stage through to the end of election implementation. The General Elections Commission (KPU) urged contestants' campaigns to avoid plastic billboards, promoting social media and non-plastic alternatives instead. This green election initiative was realized through policies enacted by the Regional Government, including the Governor's Regulation on reducing plastic waste. It exemplifies cross-sector collaboration as a strategy to mitigate the ecological impact of election implementation. This study analyzes collaborative efforts and proposes policy recommendations for realizing green elections in Indonesia. This research employs a qualitative method with an empirical juridical approach, focusing on the implementation of green elections in Bali Province during the 2024 Regional Elections.
Maqashid Syariah-Based Optimization of Cash Waqf: A Governance Analysis of Structural Constraints and Productive Economic Empowerment Strategies in Indonesia Ghafur, Fauzan; Mukhammad, Bahir; Manik, Yessi Kurnia Arjani; Arifyanto, Gatot Teguh; Hasibuan, Dita Kartika Sari; Hutagalung, Syahrial Arif
Jurnal IPTEK Bagi Masyarakat Vol 5 No 3 (2026)
Publisher : Ali Institute of Research and Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55537/j-ibm.v5i3.1640

Abstract

Cash waqf (wakaf uang) represents a significant Islamic philanthropic instrument with considerable potential for productive economic empowerment and poverty alleviation. Despite an estimated national potential exceeding IDR 180 trillion annually, actual realization remains below 1% due to complex structural barriers. This study aims to analyze the strategic role of cash waqf in productive economic empowerment while identifying key constraints and optimization strategies within a maqashid syariah framework. Employing a qualitative descriptive-analytical systematic literature review, the research reviewed legislation, fatwas, institutional reports, and peer-reviewed articles published between 2015–2025. Findings reveal three principal results: (1) cash waqf possesses a robust legal foundation through Law No. 41 of 2004 and MUI Fatwa No. 2 of 2002, yet a significant implementation gap persists between legal norms and field practice; (2) primary constraints are systemic and interrelated, encompassing low public literacy, weak nadzir capacity, insufficient fiscal incentives, and digitalization deficits; and (3) effective optimization requires an integrated ecosystem approach comprising governance strengthening, digital platform development, and cross-sectoral institutional synergy. The novelty of this study lies in its integration of legal, institutional, technological, and literacy dimensions within a single unified analytical framework grounded in maqashid syariah — an approach not yet comprehensively undertaken in prior literature. The principal contribution is the formulation of an operational maqashid syariah-based cash waqf governance model relevant to the Indonesian context, alongside systemic policy recommendations actionable by key stakeholders.
Indonesia’s Import Licensing Regime after WTO DS 484: Non-Tarif Barriers, Food Security, and Agricultural Trade Law Mukhammad, Bahir
Cerdika: Jurnal Ilmiah Indonesia Vol. 6 No. 4 (2026): Cerdika: Jurnal Ilmiah Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/cerdika.v6i4.3273

Abstract

Indonesia’s food security framework is closely linked to its agricultural trade policies, particularly import licensing mechanisms that often function as non-tariff trade barriers to protect domestic industries. However, tensions arise when such policies conflict with international trade obligations under the World Trade Organization (WTO), as demonstrated in the dispute between Indonesia and Brazil in WTO case DS 484. This study aims to analyze the implications of the WTO DS 484 ruling on Indonesia’s import licensing regime, particularly in relation to non-tariff barriers, food security, and agricultural trade law. The research employed a normative juridical method with a descriptive-analytical approach, supported by literature review and complementary interviews with key stakeholders in the poultry sector. The findings indicate that Indonesia’s import licensing policies have undergone significant revisions to comply with WTO requirements, including the simplification of procedures and removal of certain restrictive measures. Nevertheless, these changes raise concerns regarding increased import competition, which may negatively affect the competitiveness of domestic poultry farmers. Furthermore, although import licensing remains a legitimate regulatory instrument, its application must balance compliance with international trade rules and the protection of national food security. The study concludes that Indonesia needs to strengthen domestic production capacity and pursue food sovereignty strategies to ensure long-term competitiveness while maintaining adherence to WTO obligations. These findings highlight the importance of harmonizing national trade policies with global trade frameworks without undermining the sustainability of domestic agricultural sectors.
Co-Authors Agus Iskandar Pradana Putra Arifyanto, Gatot Teguh Asrori S, M.Hudi Fauzan Ghafur Hasibuan, Dita Kartika Sari M.Hudi Asrori S Megafury Apriandhini Rudolf, Paulus Sri Wahyu Kridasakti Syahrial Arif Hutagalung Umu Hilmy Yessi Kurnia Arjani Manik