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All Journal Jurnal Cahaya Mandalika TATOHI: Jurnal Ilmu Hukum Jurnal Sosial dan Sains PESHUM
Napitupulu, Diana Ria Winanti
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Humanities Astronomy Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Social Sciences

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Analisis Kesiapan Regulasi Dalam Menghadapi Perkembangan Asuransi Berbasis Teknologi (Insurtech) Artanti, Gloria Bellina; Napitupulu, Diana Ria Winanti
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 4 No. 3: April 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v4i3.8699

Abstract

Perkembangan teknologi digital telah membawa perubahan signifikan dalam berbagai sektor, termasuk industri asuransi. Insurtech, sebagai inovasi berbasis teknologi dalam industri asuransi, menawarkan efisiensi dan kemudahan bagi konsumen. Namun, pertumbuhan pesat ini juga menimbulkan tantangan regulasi yang perlu diantisipasi oleh pemerintah. Penelitian ini bertujuan untuk menganalisis kesiapan regulasi dalam menghadapi perkembangan Insurtech di Indonesia. Metode yang digunakan adalah pendekatan yuridis-normatif dengan analisis terhadap peraturan yang ada serta studi kasus implementasi Insurtech. Hasil penelitian menunjukkan bahwa meskipun terdapat regulasi yang mengatur industri asuransi dan teknologi finansial, masih terdapat celah hukum yang dapat menghambat inovasi serta perlindungan konsumen. Kesimpulannya, regulasi yang lebih adaptif dan progresif diperlukan untuk mendukung perkembangan Insurtech secara berkelanjutan di Indonesia.
Granting of Dependent Rights: A Legal Comparison Between Indonesia and Malaysia Saro, Inoto; Pasaribu, Simon Alex; Napitupulu, Diana Ria Winanti
TATOHI: Jurnal Ilmu Hukum Volume 5 Issue 2, April 2025
Publisher : Faculty of Law, Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47268/tatohi.v5i2.2989

Abstract

Introduction: The enforcement of security rights plays a crucial role in debt guarantee systems, balancing the interests of creditors and debtors. Although both countries share a civil law tradition, significant differences exist in their execution mechanisms, particularly regarding the role of the courts, auction procedures, and the protection of debtor rights. In Indonesia, execution procedures are governed by Law Number 4 of 1996 on Mortgage Rights, which allows creditors to initiate either a parate execution or litigation through court proceedings. In contrast, Malaysia mandates judicial foreclosure for all mortgage enforcements, as regulated under the National Land Code 1965 and the applicable procedural rules.Purposes of the Research: This study aims to analyze and compare the procedures for executing mortgage objects between Indonesia and Malaysia.Methods of the Research: This research adopts a normative juridical and descriptive-comparative approach by examining statutory regulations, court decisions, and relevant legal literature from both jurisdictions.Findings of the Research: The findings reveal that Indonesia’s system offers speed and flexibility but poses a higher risk of procedural abuse, while Malaysia’s judiciary-based approach provides greater debtor protection at the cost of increased time and legal expenses. The study also identifies practical challenges such as administrative delays, high execution costs, and legal uncertainties. Accordingly, this research recommends strengthening the oversight of execution practices in Indonesia and considering the introduction of a statutory limitation period, as implemented in Malaysia, to ensure a balanced approach between efficiency and justice in mortgage enforcement systems.
OJK: Dampak Regulasi Otoritas Jasa Keuangan (OJK) Terhadap Industri Asuransi Di Indonesia Hasudungan, Oktar; Sijabat, Anthon; Napitupulu, Diana Ria Winanti
Jurnal sosial dan sains Vol. 5 No. 4 (2025): Jurnal Sosial dan Sains
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jurnalsosains.v5i4.32142

Abstract

Regulasi Otoritas Jasa Keuangan (OJK) memainkan peran penting dalam pengaturan dan pengawasan industri asuransi di Indonesia. Sejak didirikan pada tahun 2011, OJK telah mengeluarkan berbagai regulasi yang bertujuan untuk meningkatkan transparansi, akuntabilitas, dan perlindungan konsumen. Penelitian ini bertujuan untuk menganalisis dampak regulasi OJK terhadap kinerja, stabilitas, dan perlindungan konsumen dalam industri asuransi. Metode yang digunakan adalah kajian literatur hukum dan analisis empiris melalui wawancara dengan pelaku industri. Hasil penelitian menunjukkan bahwa regulasi OJK berdampak positif terhadap pertumbuhan premi dan aset perusahaan asuransi, namun juga menghadapi tantangan dalam implementasi dan pengawasan. Kesimpulan dari penelitian ini adalah bahwa meskipun regulasi OJK telah membawa kemajuan, perlu ada peningkatan dalam efektivitas pengawasan dan dukungan bagi perusahaan asuransi untuk memenuhi regulasi tersebut. Regulasi Otoritas Jasa Keuangan (OJK) adalah salah satu bentuk intervensi pemerintah dalam sektor keuangan, khususnya industri asuransi, yang bertujuan untuk menciptakan pasar yang adil, efisien, dan transparan. Implementasi regulasi ini diharapkan dapat meningkatkan kepercayaan masyarakat terhadap industri asuransi dan mendorong pertumbuhan ekonomi yang berkelanjutan. Namun, dalam implementasinya, terdapat berbagai tantangan yang perlu diatasi, seperti kompleksitas regulasi, kapasitas pengawasan, dan adaptasi perusahaan asuransi terhadap perubahan regulasi. Penelitian ini bertujuan untuk menganalisis efektivitas regulasi OJK dalam mencapai tujuan tersebut. Metode yang digunakan adalah analisis yuridis normatif dengan mengkaji peraturan perundang-undangan, yurisprudensi, dan doktrin hukum, serta analisis empiris melalui wawancara dengan pelaku industri. Hasil penelitian menunjukkan bahwa regulasi OJK telah berhasil meningkatkan transparansi dan akuntabilitas perusahaan asuransi, serta memberikan perlindungan yang lebih baik bagi konsumen. Namun, masih terdapat beberapa kelemahan dalam implementasi dan pengawasan regulasi, seperti kurangnya sosialisasi regulasi kepada masyarakat, kurangnya koordinasi antar lembaga terkait, dan kurangnya penegakan hukum terhadap pelanggaran regulasi. Hal ini berakibat pada belum optimalnya pencapaian tujuan regulasi OJK.
Jual Beli: Bagaimana Jika Transaksi Jual Beli Atas Tanah Tidak Dilakukan Dihadapan Pejabat Pembuat Akta Tanah (PPAT). Febrian, Febrian; Hasudungan, Oktar; Napitupulu, Diana Ria Winanti
Jurnal sosial dan sains Vol. 5 No. 4 (2025): Jurnal Sosial dan Sains
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jurnalsosains.v5i4.32161

Abstract

Jual beli tanah merupakan salah satu bentuk peralihan hak yang wajib memenuhi persyaratan formal sebagaimana diatur dalam peraturan perundang-undangan yang berlaku di Indonesia. Salah satu syarat utama adalah pembuatan Akta Jual Beli (AJB) di hadapan Pejabat Pembuat Akta Tanah (PPAT) agar transaksi memiliki kekuatan hukum yang sah. Namun, dalam praktiknya, masih banyak transaksi jual beli tanah dilakukan di bawah tangan tanpa melibatkan PPAT, sehingga menimbulkan risiko hukum, seperti sengketa kepemilikan dan ketidakpastian hukum bagi pembeli. Penelitian ini bertujuan untuk menganalisis kekuatan hukum transaksi jual beli tanah yang tidak memenuhi persyaratan formal. Metode yang digunakan adalah analisis yuridis normatif dengan mengkaji peraturan perundang-undangan, yurisprudensi, dan doktrin hukum. Hasil penelitian menunjukkan bahwa transaksi jual beli tanah yang tidak memenuhi syarat formal dapat berpotensi menimbulkan sengketa hukum. Selain itu, pentingnya peran PPAT dalam memastikan keabsahan transaksi serta prosedur balik nama sertifikat tanah menjadi sorotan utama. Hal ini berakibat pada lemahnya posisi hukum pembeli dalam menghadapi potensi gugatan atau sengketa di kemudian hari.
Comparison of Venture Capital Regulations in Indonesia and ASEAN Countries Pasaribu, Simon Alex; Taufiq, Taufiq; Napitupulu, Diana Ria Winanti
TATOHI: Jurnal Ilmu Hukum Volume 5 Issue 4, June 2025
Publisher : Faculty of Law, Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47268/tatohi.v5i4.2992

Abstract

Introduction: By observing best practices from other ASEAN countries, Indonesia has a significant opportunity to reform its venture capital ecosystem to become more responsive, inclusive, and capable of supporting sustainable digital economic growth.Purposes of the Research: The purpose of this research is to identify the form and content of venture capital regulations currently enforced in Indonesia in comparison with other ASEAN countries, to analyze the similarities and differences in policies and regulatory approaches related to venture capital between Indonesia and ASEAN nations, and to determine the factors influencing the regulatory differences.Methods of the Research: A qualitative method was chosen because this approach enables the researcher to explore the policy context, legal structures, and socio-economic dynamics underlying venture capital regulations in each country.Findings of the Research: A more flexible, inclusive, and cross-sector collaborative regulatory approach will enhance Indonesia’s competitiveness in attracting investment and encouraging sustainable startup growth.
Auction Procedure for Dependent Rights as an Effort to Resolve Non-Litigation of Non-Performing Loans by Banks Taufiq, Taufiq; Napitupulu, Diana Ria Winanti
TATOHI: Jurnal Ilmu Hukum Volume 5 Issue 5, July 2025
Publisher : Faculty of Law, Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47268/tatohi.v5i5.2993

Abstract

Introduction: Non-performing loans are a major challenge in banking operations that can affect the financial stability and operational performance of banks. One of the non-litigation solutions pursued by banks to resolve such issues is through the auction of mortgage rights over the debtor's collateral.Purposes of the Research: This study aims to examine in detail the procedure for conducting mortgage right auctions as a means of resolving non-performing loans and to assess their effectiveness in providing legal protection for banks.Methods of the Research: The research method used is normative juridical with a statutory and case study approach. Normative Juridical Approach is chosen because the main focus of the research is to analyze and examine the applicable legal norms related to the procedure of mortgage right auctions as a solution for resolving non-performing loans.Findings of the Research: The results show that the auction of mortgage rights is carried out through the State Assets and Auction Service Office (KPKNL) based on Law Number 4 of 1996 on Mortgage Rights and relevant Minister of Finance Regulations. The procedure includes stages such as notification, collateral assessment, auction announcement, auction execution, and distribution of auction proceeds. Although this process offers a more efficient alternative compared to litigation, practical obstacles still exist, such as debtor objections, lengthy auction processes, and administrative hurdles. Therefore, regulatory harmonization and improved coordination between banks, KPKNL, and relevant parties are necessary to enhance the effectiveness of mortgage right auctions as a non-litigation solution for non-performing loans.
Banking Responsibility for Employee Fault Pedro, Alba; Nugroho, Krisna Wahyu; Napitupulu, Diana Ria Winanti
TATOHI: Jurnal Ilmu Hukum Volume 5 Issue 6, August 2025
Publisher : Faculty of Law, Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47268/tatohi.v5i6.3011

Abstract

Introduction: This research discusses the legal responsibility of banks for mistakes made by employees in performing their duties, particularly in the context of the legal relationship between banks and customers. As a legal entity in the form of a Limited Liability Company, a bank has an obligation to maintain customer trust through the principles of prudence and consumer protection as regulated by the Banking Law and the Limited Liability Company Law.Purposes of the Research: This research aims to analyze the legal responsibility of banks for mistakes made by employees and explore to what extent a bank can be held accountable for negligence or abuse of authority by employees. The study also aims to explore the application of strict liability principles and their impact on the stability of the financial system and customer protection.Methods of the Research: This study uses a legal approach by analyzing relevant regulations, such as the Banking Law, the Limited Liability Company Law, and Article 1367 of the Civil Code regarding vicarious liability mechanisms. The study also explores the responsibility of the Board of Directors as the management of the bank.Findings of the Research: The research is expected to provide a clearer understanding of the legal responsibility mechanisms applied in the banking sector and their implications for managing the relationship between banks and customers, including the impact on customer protection and the supervision of the Board of Directors in preventing mistakes that harm customers.
The Contribution of Savings and Loan Cooperatives to Financial Inclusion in Indonesia Zainudin, Ellyza; Setiawan, Fajar Ari; Napitupulu, Diana Ria Winanti
TATOHI: Jurnal Ilmu Hukum Volume 5 Issue 7, September 2025
Publisher : Faculty of Law, Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47268/tatohi.v5i7.3013

Abstract

Introduction: Savings and Loan Cooperatives in Indonesia have a very important role in increasing financial inclusion, especially among low-income communities and groups that are not reached by conventional banking services.Purposes of the Research: Analyze the contribution of Savings and Loan Cooperatives to financial inclusion in Indonesia, identify the challenges faced, and provide recommendations to improve the role of cooperatives in expanding financial access for the community.Methods of the Research: This study uses a qualitative approach with descriptive analysis to describe the role and contribution of Savings and Loan Cooperatives to financial inclusion in Indonesia.Findings of the Research: This research shows that Savings and Loan Cooperatives have great potential in reducing inequality of access to finance, but also need improvements in terms of regulation, technology, and financial education to be more effective in achieving their goals. Savings and Loan Cooperatives in Indonesia have a very important role in increasing financial inclusion, especially among low-income communities and groups that are not reached by conventional banking services. This paper analyzes the contribution of Savings and Loan Cooperatives to financial inclusion in Indonesia, identifies the challenges faced, and provides recommendations to improve the role of cooperatives in expanding financial access for the community. This research shows that Savings and Loan Cooperatives have great potential in reducing inequality of access to finance, but also need improvements in terms of regulation, technology, and financial education to be more effective in achieving their goals.
MENYELAMI IMPLIKASI HUKUM DAN ASPEK PAJAK DALAM PERJANJIAN PENGIKATAN JUAL BELI TANAH Pardede, Jayanti Minarosa; Tehupeiory, Aartje; Napitupulu, Diana Ria Winanti
Jurnal Cahaya Mandalika ISSN 2721-4796 (online) Vol. 3 No. 2 (2022)
Publisher : Institut Penelitian Dan Pengambangan Mandalika Indonesia (IP2MI)

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Abstract

Pengalihan hak atas tanah melalui PPJB dikenai beberapa pajak seperti Pajak Penghasilan, Bea Perolehan Hak Atas Tanah dan/atau Bangunan, Biaya Akta Jual Beli dan Proses Balik Nama, Biaya Zona Nilai Tanah, dan Biaya Administrasi Pengelolaan oleh PT. X. Penelitian ini bertujuan menjawab dua permasalahan utama terkait kepastian hukum PPJB yang disusun secara informal dan prosedur perpajakan pada peralihan hak atas tanah melalui PPJB informal sesuai dengan Peraturan Pemerintah No. 34 Tahun 2016. Penelitian ini bersifat hukum yuridis normatif dan menghasilkan deduksi konkret. Hasilnya antara lain: 1) PPJB informal mengacu pada Pasal 1338 KUHPerdata dan berdasarkan beberapa peraturan, termasuk UU No. 1 Tahun 2011, SEMA No. 4 Tahun 2016, dan Permen PUPR No. 11/PRT/M/2019; 2) Pengalihan hak atas tanah terjadi setelah penyerahan, sesuai Pasal 1459 KUHPerdata; 3) Terdapat kebingungan terkait aturan pengalihan hak atas tanah dalam PPJB; dan 4) PPJB sebelum Akta Jual Beli dapat dilakukan melalui kesepakatan.
STRATEGI PENYELESAIAN KREDIT SELAMA PANDEMI COVID-19 Edison, Edison; Wijayati, Rr. Ani; Napitupulu, Diana Ria Winanti
Jurnal Cahaya Mandalika ISSN 2721-4796 (online) Vol. 3 No. 2 (2022)
Publisher : Institut Penelitian Dan Pengambangan Mandalika Indonesia (IP2MI)

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Abstract

Artikel ini disusun berdasarkan penelitian yang dilakukan pada kasus PT. Pasundan Jaya. Adapun poin-poin yang dipergunakan sebagai dasar pemikiran atau topik utama penelitian ini adalah menganalisis mekanisme perlindungan hukum bagi debitor yang tidak mampu memenuhi kewajibannya di masa depan, kendala-kendala yang dihadapi dalam memperoleh perlindungan hukum terkait ketidakmampuannya, serta upaya hukum yang dilakukan debitor dalam mengatasi kendala-kendala tersebut, terutama selama masa Pandemi Covid-19. Penelitian ini menggunakan metodologi kualitatif dimana jenis pendekatan yang dipergunakan adalah teori pendekatan yuridis normatif, yang berpedoman pada pandangan Soerjono Soekanto dan Sri Mamudji, dimana penelitian ini juga bersifat deskriptif analitis, dan studi empiris, yaitu dengan melakukan kegiatan pengamatan dan kegiatan wawancara dengan beberapa narasumber. Hasil penelitian ini mencakup mengenai restrukturisasi atau relaksasi kredit melibatkan perubahan dalam perjanjian kredit seperti suku bunga, waktu, atau pembayaran, kebijakan restrukturisasi kredit berlaku untuk perbankan dan pembiayaan hingga Maret 2023 akibat pandemi Covid-19, Keputusan Presiden No. 12 Tahun 2020 mengakui kejadian tak terduga yang diatur dalam hukum, gagal bayar akibat Covid-19 bukan wanprestasi, Pandemi Covid-19 termasuk force majeur, dan sebagainya.
Co-Authors Aartje Tehupeiory, Aartje Artanti, Gloria Bellina Edison Edison Fachry Abda El Rahman Hasudungan, Oktar Nugroho, Krisna Wahyu Pardede, Jayanti Minarosa Pasaribu, Simon Alex Pedro, Alba Rr. Ani Wijayati, Rr. Ani Saro, Inoto Setiawan, Fajar Ari Sijabat, Anthon Taufiq Taufiq Zainudin, Ellyza