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All Journal International Journal of Education, Vocational and Social Science CITACONOMIA : Economic and Business Studies
Dian Wibowo
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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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.
Legal Protection For Local Communities In Natural Resource Utilization Conflicts: A Literature Review Dian Wibowo; Harry Sudhana; Hardjito S. Darmojo
International Journal of Education, Vocational and Social Science Vol. 5 No. 01 (2026): International Journal of Education, Vocational and Social Science( IJVESS)
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijevss.v5i01.2818

Abstract

The escalation of natural resource exploitation often places local communities in a vulnerable position, leading to persistent socio-environmental conflicts. This study aims to analyze the implementation of legal protections for local communities within the context of natural resource utilization and to identify the structural barriers that hinder environmental justice. Using a qualitative descriptive method through a comprehensive documentary study, this research examines various legal frameworks, scholarly discourses, and judicial precedents. The findings reveal a significant "implementation gap" between statutory mandates and grassroots reality. While the law theoretically provides safeguards through mechanisms such as Environmental Impact Assessments (AMDAL) and the recognition of customary rights, these are often undermined by pro-investment policies, such as the Omnibus Law on Job Creation, which simplify licensing at the expense of public participation. Furthermore, bureaucratic hurdles in recognizing indigenous land tenure continue to marginalize local inhabitants. The study concludes that legal protection remains formalistic rather than substantive. To achieve genuine environmental justice, there is an urgent need to strengthen Anti-SLAPP regulations, simplify the recognition of customary forests, and shift the legal paradigm from state-centric developmentalism to a community-centered approach that prioritizes distributive and procedural justice. Keywords: Legal Protection, Local Communities, Natural Resources, Environmental Justice, Conflict Resolution.
Co-Authors Edi Mulyadi Hardjito S. Darmojo Harry Sudhana Ibraim Aji Mahfudlon Mustofa, Muhammad Ali