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All Journal Jurnal Sosial dan Sains Jurnal As-Syar’i: Jurnal Bimbingan & Konseling Keluarga
Parhusip, Naomi Inly
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Religion Humanities Astronomy Education Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Social Sciences

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Analisis Force Majeure dan Implikasinya terhadap Perjanjian Kredit Raisya, Ashila; Suhendra, Christabel Daniella; Sastraatmaja, Keisha Nadine; Parhusip, Naomi Inly
Jurnal sosial dan sains Vol. 5 No. 5 (2025): Jurnal Sosial dan Sains
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jurnalsosains.v5i5.32187

Abstract

Penelitian ini bertujuan untuk memahami dasar hukum dan implikasi dari force majeure dalam perjanjian kredit, dengan fokus pada dampak pandemi COVID-19 terhadap sektor keuangan dan perlindungan konsumen. Pandemi yang dikategorikan sebagai force majeure relatif melalui Keputusan Presiden Nomor 12 Tahun 2020 memberikan dasar hukum bagi restrukturisasi kredit tanpa menghapus kewajiban debitur. Dengan menggunakan metode penelitian yuridis normatif dan studi kasus Putusan No.347/Pdt/2021/PT SMG, penelitian ini menelusuri efektivitas penerapan force majeure serta sejauh mana lembaga keuangan mematuhi ketentuan OJK dan Undang-Undang Perlindungan Konsumen. Hasil penelitian menunjukkan bahwa meskipun restrukturisasi kredit diatur melalui POJK No.11/POJK.03/2020, pelaksanaannya masih menghadapi kendala, terutama terkait pemahaman konsumen atas haknya dan lemahnya fungsi pengaduan lembaga keuangan. Studi ini menyoroti perlunya sosialisasi regulasi dan penguatan unit perlindungan konsumen di sektor jasa keuangan. Implikasi penelitian ini penting bagi pembuat kebijakan dan praktisi hukum untuk merumuskan klausul force majeure yang lebih kontekstual serta SOP pemberian keringanan kredit yang adil dan transparan. Penelitian ini juga merekomendasikan pendekatan selektif dalam pemberian restrukturisasi guna menjaga stabilitas sektor keuangan sambil tetap menghormati hak-hak debitur.
Analisis terhadap Peraturan Daerah Provinsi Bali Nomor 2 Tahun 2012 tentang Kepariwisataan Budaya Bali serta Regulasi Terkait Dalam Menghadapi Permasalahan Wisatawan Asing Khaliza, Ashila Raisya; Suhendra, Christabel Daniella; Parhusip, Naomi Inly; Dior, Valence Deanthony
As-Syar i: Jurnal Bimbingan & Konseling Keluarga  Vol. 8 No. 2 (2026): As-Syar’i: Jurnal Bimbingan & Konseling Keluarga
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Foreign tourism is a strategic sector in the economic development of Bali Province. However, the continuous increase in the number of foreign tourists has also generated various challenges, particularly in relation to cultural preservation, environmental protection, and the lack of respect for local customs and values. This situation requires an active role from the local government through the formulation of regional regulations that are capable of regulating tourist activities in accordance with Balinese cultural principles. This study aims to examine the effectiveness of regional regulations in addressing issues related to foreign tourists in Bali Province, particularly in maintaining a balance between tourism-driven economic interests and the protection of local community interests. This study employs a normative legal research method using qualitative and descriptive analysis. The qualitative analysis is conducted through a statutory approach to the Regional Regulation of Bali Province Number 2 of 2012 concerning Balinese Cultural Tourism. The descriptive approach focuses on explaining the substance of the regulation, including the formulation and implementation of legal norms, as well as the scope of regulatory provisions applicable to foreign tourists. In this context, the regulation not only governs tourism activities but also emphasizes the protection and respect for cultural values and local norms in Bali Province. The findings indicate that, from a normative perspective, the regulation provides an adequate and comprehensive legal framework for the management of foreign tourism; however, its effectiveness continues to face challenges related to implementation, supervision, and law enforcement.
Co-Authors Dior, Valence Deanthony Khaliza, Ashila Raisya Raisya, Ashila Sastraatmaja, Keisha Nadine Suhendra, Christabel Daniella