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All Journal Diponegoro Private Law Review Law Research Review Quarterly
Putri, Feiza Alevia
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Education Law, Crime, Criminology & Criminal Justice

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Studi Komparasi Mekanisme Desain Tata Letak Sirkuit Terpadu: Perspektif Indonesia, Negara Lain, dan Alternatif Penyelesaian Sengketa Rahma, Laela Novitri Ervia; Wulandari, Anisa Septia; Rahayu, Utami Sri; Putri, Feiza Alevia; Ferry, Mayada Amiruddin
Diponegoro Private Law Review Vol 8, No 1 (2024): DPLR
Publisher : Fakultas Hukum, Universitas Diponegoro

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Abstract

Pengakuan hukum dan perlindungan terhadap hak kekayaan intelektual, khususnya Desain Tata Letak Sirkuit Terpadu (DTLST), menjadi fokus penelitian ini. Undang-undang di Indonesia (UU No. 32 Tahun 2000) dan Malaysia (UU Desain Tata Letak Sirkuit Terpadu 2000) mengatur DTLST, sementara Trinidad dan Tobago memiliki UU serupa (UU No. 19 Tahun 1996). Sengketa antara Nvidia dan Intel menunjukkan penyelesaian non-litigasi. Tujuan penelitian ini adalah menganalisis mekanisme pengaturan DTLST, perbandingan internasional, serta alternatif penyelesaian sengketa. Penelitian ini menggunakan pendekatan deskriptif kualitatif dan penelitian hukum normatif.
Addition of Funds by Merchants in Payments Through The QRIS from an Islamic Law Perspective Putri, Feiza Alevia
Law Research Review Quarterly Vol. 11 No. 3 (2025): Various Issues on Law and Development
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/llrq.v11i3.28400

Abstract

The practice of adding funds for consumers who make transactions using QRIS is implemented by merchants to avoid profits from administrative fees or Merchant Discount Rates. The mechanism for disbursing funds from PJP to merchants and the form of additional funds are laden with elements of usury. Therefore, the objective of this study is to identify the financial management mechanisms for fund additions by merchants in QRIS payments and to analyze the legal implications of fund additions by merchants in QRIS payments from an Islamic legal perspective. The research method used is qualitative research with a legal-empirical approach. The data collected consists of primary and secondary data, with data collection techniques including literature review, interviews, observation, and documentation. Based on the research findings, it can be stated that the additional funds are not listed on the transaction receipt but are instead communicated verbally or displayed in the corner of the QRIS printout. Consumers scan the QR code using their digital wallet platform, then enter the total amount themselves, and verify the transaction. After that, a notification appears stating that the funds have been received by the merchant. However, the disbursement of funds from the PJP to the merchant's account takes up to H+1 calendar days. Additionally, the addition of funds by merchants in QRIS payments contains elements of usury, rendering the transaction fasid. The additional funds charged by merchants to consumers constitute unlawful income if both parties do not mutually consent. The addition of funds by the merchant in payments via QRIS can be considered as ujrah and valid if both parties mutually consent and agree. Furthermore, the delay in the transfer of funds from the PJP to the merchant's account constitutes riba nasiah.
Co-Authors Ferry, Mayada Amiruddin Rahayu, Utami Sri Rahma, Laela Novitri Ervia Wulandari, Anisa Septia