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All Journal CITACONOMIA : Economic and Business Studies Asia Pacific Journal of Business Economics and Technology
Mahfudlon
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media

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Perlindungan Hukum Nasabah Penyimpan pada Bank yang Dinyatakan Pailit dalam Perspektif UU Kepailitan dan UU Penjaminan Simpanan Mustofa, Muhammad Ali; Mahfudlon; Ibraim Aji; Dian Wibowo; Edi Mulyadi
CITACONOMIA : Economic and Business Studies Vol. 5 No. 01 (2026): Januari-Maret
Publisher : CITACONOMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/citaconomia.v5i01.2805

Abstract

Penelitian ini mengkaji perlindungan hukum nasabah penyimpan pada bank yang dinyatakan pailit dalam kerangka UU Kepailitan dan UU Lembaga Penjamin Simpanan (LPS). Menggunakan metode penelitian hukum normatif dengan pendekatan kajian literatur, penelitian ini mengidentifikasi adanya konflik norma terkait status nasabah. Dalam UU Kepailitan, nasabah diklasifikasikan sebagai kreditur konkuren, yang menempatkan mereka pada risiko tinggi dalam distribusi aset. Sebaliknya, UU LPS memberikan perlindungan eksplisit melalui skema penjaminan dengan batas nominal tertentu. Namun, ketidakpastian hukum tetap terjadi bagi simpanan yang melebihi limit penjaminan serta simpanan yang dikategorikan "tidak layak bayar." Temuan penelitian menunjukkan bahwa perlindungan saat ini lebih bersifat administratif ketimbang prioritas yuridis. Untuk menjamin stabilitas perbankan dan kepastian hukum, paper ini mengusulkan pengadopsian konsep depository preference guna mengangkat posisi nasabah menjadi kreditur preferen, serta sinkronisasi peran yang lebih baik antara OJK, LPS, dan Pengadilan Niaga.
The Impact Of ESG (Environmental, Social, And Governance) Regulations On Corporate Legal Liability Untari, Dhian Tyas; Zulfikar , Pandri; Maulana, Firman; Syarif, Ahmad; Ardini, Nyayu Maya; Agus, Andi Adri; Putri, Cory Kartika; Nurhadi, Ahmad; Maulana, Wachid; Sudhana, Hari; Susi , Agustine; Mustofa, Muhammad Ali; Ferdiansyah, Dony; Mahfudlon; Ilman, La; M. Umar Kelibia; Zainal, Toyib; Aji, Ibrahim; Afifah, Yasfika Ely Nur; Setiyawan, Agus Eko
CITACONOMIA : Economic and Business Studies Vol. 5 No. 02 (2026): April - Juni
Publisher : CITACONOMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/citaconomia.v5i02.3194

Abstract

This study examines the influence of Environmental, Social, and Governance (ESG) regulations on corporate legal liability within the evolving framework of modern business law. As global business practices shift toward sustainability and accountability, ESG has transformed from a voluntary guideline into a mandatory regulatory standard that shapes corporate behavior. This research employs a qualitative and normative approach by analyzing relevant legal frameworks, scholarly literature, and case studies to explore how ESG regulations affect corporate responsibility. The findings indicate that ESG regulations significantly expand the scope of corporate legal liability beyond traditional financial obligations to include environmental protection, social responsibility, and governance transparency. Companies are increasingly held accountable through civil, criminal, and administrative sanctions for non-compliance with ESG-related standards. The study also highlights that effective ESG implementation can serve as a preventive mechanism, reducing legal risks and enhancing corporate governance. However, challenges remain, particularly in terms of regulatory harmonization, enforcement mechanisms, and varying levels of compliance across jurisdictions. This research concludes that ESG regulations play a critical role in strengthening corporate accountability and promoting sustainable business practices. Integrating ESG into corporate legal frameworks is essential for balancing economic objectives with social and environmental responsibilities in the long term.
Interaksi Politik, Regulasi Hukum Bisnis, dan Kebijakan Publik dalam Pengembangan Industri Properti Saputra, Adi; Ibrahim Aji; Mahfudlon; Yusfika Ely Nur Afifah; Dian Wibowo; Mustofa Kamil
CITACONOMIA : Economic and Business Studies Vol. 5 No. 02 (2026): April - Juni
Publisher : CITACONOMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/citaconomia.v5i02.3429

Abstract

Penelitian ini bertujuan untuk menganalisis interaksi antara politik, regulasi hukum bisnis, dan kebijakan publik dalam pengembangan industri properti di Indonesia. Sektor properti memiliki peran strategis dalam mendorong pertumbuhan ekonomi, namun perkembangannya sangat dipengaruhi oleh dinamika kebijakan dan stabilitas regulasi. Pendekatan penelitian yang digunakan adalah kualitatif dengan metode studi literatur dan analisis yuridis normatif terhadap berbagai regulasi serta kajian ilmiah terkait. Hasil penelitian menunjukkan bahwa politik berperan penting dalam menentukan arah kebijakan publik dan pembentukan regulasi hukum bisnis, khususnya dalam hal pengadaan tanah, perizinan, dan investasi. Namun, dinamika politik sering kali menimbulkan ketidakkonsistenan regulasi yang berdampak pada rendahnya kepastian hukum. Di sisi lain, hukum bisnis berfungsi sebagai instrumen untuk memberikan perlindungan dan kepastian bagi pelaku usaha, meskipun implementasinya masih menghadapi berbagai tantangan. Kebijakan publik juga memiliki peran strategis dalam menciptakan keseimbangan antara kepentingan ekonomi dan sosial, namun sering kali dihadapkan pada konflik kepentingan antar pemangku kepentingan. Penelitian ini menyimpulkan bahwa diperlukan sinergi yang kuat antara politik, hukum bisnis, dan kebijakan publik melalui pendekatan governance yang kolaboratif untuk menciptakan industri properti yang berkelanjutan dan berkeadilan.
The Role of Law in Governing Fintech Innovation and Risk Management Hasnah Aziz; Ibrahim Aji; Mahfudlon; Harry Sudhana; Adi Saputra
Asia Pacific Journal of Business Economics and Technology Vol. 6 No. 02 (2026): April - Mei
Publisher : Cita Konsultindo Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.98765/apjbet.v6i02.329

Abstract

This study examines the role of law in governing financial technology (fintech) innovation while ensuring effective risk management in rapidly evolving digital financial ecosystems. As fintech disrupts traditional financial services through technologies such as blockchain, artificial intelligence, and digital payments, regulatory frameworks face increasing pressure to balance innovation with consumer protection and systemic stability. This paper analyzes how legal systems respond to fintech developments by exploring regulatory approaches, including principles-based regulation, regulatory sandboxes, and cross-border legal harmonization. It highlights key risks associated with fintech, such as data privacy concerns, cybersecurity threats, financial fraud, and regulatory arbitrage, and evaluates how legal instruments mitigate these challenges. Furthermore, the study discusses the role of law in fostering trust, promoting responsible innovation, and ensuring financial inclusion. Using a qualitative approach, the research draws on comparative legal analysis and recent policy developments across emerging and developed markets. The findings suggest that adaptive, flexible, and technology-neutral legal frameworks are essential to support innovation while maintaining financial stability and public confidence. Ultimately, the paper underscores the importance of dynamic legal governance in shaping a sustainable and resilient fintech ecosystem.
Co-Authors Adi Saputra Adi Saputra Afifah, Yasfika Ely Nur Agus, Andi Adri Ahmad Syarif AJI, IBRAHIM Ardini, Nyayu Maya Dian Wibowo Edi Mulyadi Ferdiansyah, Dony Firman Maulana, Firman Harry Sudhana Hasnah Aziz Ibrahim Aji Ibraim Aji Ilman, La M. Umar Kelibia Maulana, Wachid Mustofa Kamil Mustofa, Muhammad Ali Nurhadi, Ahmad Putri, Cory Kartika Setiyawan, Agus Eko Sudhana, Hari Susi , Agustine Untari, Dhian Tyas Yusfika Ely Nur Afifah Zainal, Toyib Zulfikar , Pandri