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All Journal Jurnal Komunikasi Fokus Bisnis KOMUNIKE: Jurnal Komunikasi Penyiaran Islam Wacana: Jurnal Ilmiah Ilmu Komunikasi Jurnal Penelitian dan Pengabdian Kepada Masyarakat UNSIQ Warta Ikatan Sarjana Komunikasi Indonesia Management Studies and Entrepreneurship Journal (MSEJ) INFOKUM Resolusi: Jurnal Sosial Politik AKSELERASI: Jurnal Ilmiah Nasional Fox Justi : Jurnal Ilmu Hukum Jurnal Ekonomi International Journal of Science and Society (IJSOC) Educenter: Jurnal Ilmiah Pendidikan Journal of Economics and Business (JECOMBI) Jurnal Ilmiah Multidisiplin Indonesia Riwayat: Educational Journal of History and Humanities Fokus Bisnis: Media Pengkajian Manajemen dan Akuntansi EDUCENTER JURNAL PENDIDIKAN Jurnal Ekonomi, Akuntasi dan Manajemen Indonesia(JEAMI) Jurnal Manajemen, Akuntansi dan Rumpun Ilmu Ekonomi (MAR-Ekonomi) Journal of Management Jurnal Restorasi: Hukum dan Politik Dialogia Iuridica
Muhamad Agung Dharmajaya
Mathla'ul Anwar University, Pandeglang, Indonesia
Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Physics Social Sciences Other

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Lanskap Demonstrasi Jakarta: Komunikasi Politik Warga Kota dalam Ruang Publik Dharmajaya, Muhamad Agung; Swarnawati, Aminah; Kaukab, M. Elfan
Resolusi: Jurnal Sosial Politik Vol 9 No 1 (2026)
Publisher : Department of Political Science - Universitas Sains Al-Qur’an

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32699/resolusi.v9i1.11016

Abstract

Demonstrations are an integral part of democracy in Jakarta, the largest city and capital of Indonesia. Throughout 2020, Pola Metro Jaya recorded 993 demonstrations, which reflects the high level of community participation in voicing important issues. This research maps the themes of demonstrations in Jakarta in the context of more integrative city development, using content analysis of online news headlines from 2014-2024. Using a constituency thematic framework with 12 frames, the results showed that five frames (ethnicity, age, religion, gender, and family) were not found in the demonstrations analyzed. Territorial and citizen frames dominate, followed by ideological, disadvantaged, functional, material and environmental frames. These findings suggest that territorial and public interest issues are more likely to trigger demonstrations in Jakarta, reflecting community sensitivity to land use and space requirements. Demonstrations are often related to broad public issues, emphasizing the importance of spatial justice and sustainable development.
URGENSI PERAN DAN FUNGSI PERBANKAN DALAM MENINGKATKAN USAHA, MIKRO, KECIL DAN MENENGAH DI INDONESIA agung dharmajaya
Dialogia Iuridica Vol. 10 No. 1 (2018): Volume 10 Nomor 1 November 2018
Publisher : Faculty of Law, Maranatha Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/di.v10i1.1059

Abstract

Abstrak Usaha Mikro, Kecil, dan Menengah (UMKM) merupakan stimulan perekonomian pada negara berkembang, khususnya pada saat krisis ekonomi. UMKM memegang peranan penting dalam meningkatkan kegiatan ekonomi masyarakat. Pada konteks tersebut, maka dukungan terhadap UMKM khususnya dalam pembiayaan oleh perbankan menjadi hal yang sangat krusial sebagai usaha meningkatan UMKM di Indonesia.Tujuan penelitian ini yaitu untuk mengetahui peran dan fungsi apa saja yang telah dilakukan perbankan dalam meningkatkan UMKM di Indonesia. Adapun penelitian ini menggunakan data kualitatif dengan pendekatan deskriptif analitis.Kontribusi Perbankan dalam meningkatkan UMKM telah menjadi fokus bersama antara sektor pemerintah, perbankan dan pelaku UMKM. Berbagai regulasi dalam rangka mendukung penyaluran pembiayaan kepada UMKM dipermudah melalui perbantuan kebijakan Bank Sentral terhadap perbankan. Hal yang menjadi persoalan yaitu terkait peran dan fungsi perbankan terhadap UMKM dalam memenuhi tanggung jawabnya, khususnya kaitan penyaluran kredit dalam operasionalisasi UMKM. Persoalan yang terjadi yaitu ketika NPL yang masih di atas 3% menjadikan Perbankan berhati-hati dalam pemberian kredit pada UMKM. Pada konteks tersebut penelitian ini menemukan pentingnya sinergiritas antara seluruh pelaku dalam rangka mengoptimalkan peran dan fungsi perbankan dalam rangka meningkatkan kualtias dan kuantitas UMKM di Indonesia. Kata Kunci: Kredit, UMKM dan Perbankan
IMPLEMENTATION PRINCIPLE MUDHARABAH IN ISLAMIC BANKING IN INDONESIA Muhamad Agung Dharmajaya
Fox Justi : Jurnal Ilmu Hukum Vol. 11 No. 01 (2020): Fox justi : Jurnal Ilmu Hukum
Publisher : SEAN Institute

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Abstract

Implementation principle mudharabah is the main pillar operational Islamic banking in Indonesia for push growth equitable economy. Research law normative This aim For analyze mechanism implementation contract mudharabah as well as mitigation strategy formulation risk in optimize financing for results. Research results show that mechanism mudharabah has integrated to in law positive through Constitution Number 21 of 2008 concerning Islamic Banking, DSN-MUI Fatwa, and OJK regulations, which include function fundraising (funding) and fund distribution (financing). However, optimization financing mudharabah Still face challenge big in the form of height risk asymmetry information and potential moral hazard from customers manager (mudharib ). As solution, Islamic banking implements mitigation strategies modern multidimensional risk. The strategy covering strengthening aspect juridical through tightening clause contracts (restrictive covenants) and bindings guarantee financing (rahn ). In addition, mitigation optimized past integration digital technologies such as system integrated Point of Sales cashier and account separate (segregated accounts) for monitor cash flow in real, scheme staged financing, and improvement HR competency becomes assessor financing specific industry. Research This conclude that strengthening management modern risk capable secure operational product for results without sacrifice sharia compliance.
ANALYSIS OF CUSTOMER PROTECTION IN BANKING CREDIT AGREEMENTS IN INDONESIA Muhamad Agung Dharmajaya
INFOKUM Vol. 8 No. 1, Desembe (2019): Data Mining,Image Processing and artificial intelligence
Publisher : Sean Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58471/infokum.v8i1, Desembe.3100

Abstract

This study aims to analyze the forms of legal protection for customers (debtors) in bank credit agreements in Indonesia, as well as the obstacles encountered in their implementation. Credit agreements often take the form of standard contracts, which tend to place customers in a weaker bargaining position compared to banks. This study uses a normative method with a statutory and conceptual approach, analyzing the legal principles of agreements and regulations related to consumer protection in financial services. Customer-debtor protection is divided into preventive protection through restrictions on bank freedom of movement based on Article 18 of the Consumer Protection Law and the Financial Services Authority (OJK) transparency regulations, which threaten to render exoneration clauses null and void (van rechtswege nietig). Repressive protection is available through lawsuits for Unlawful Acts or Abuse of Circumstances (misbruik van omstandigheden) in court, as well as non-litigation channels through the Alternative Dispute Resolution Agency for the Financial Services Sector (LAPS SJK). However, the OJK's supervisory function is considered ineffective in practice due to its reactive, complaint-based nature, limited supervisory human resources, high information asymmetry, and lenient administrative sanctions that have not yet provided a deterrent effect for the banking industry. Conclusion: While legal instruments for customer protection are well-structured, enforcement of the principle of contractual balance remains weak in practice. The OJK needs to transform its supervisory system into a digital-proactive one, utilizing artificial intelligence-based supervisory technology (SupTech) (AI Contract Review) to screen draft bank contracts en masse and strengthen sanctions in the form of product license suspensions for banks that violate this principle.
The Role of E-Trust and User Experience on Online Purchasing Decisions with Discounts as a Moderating Variable for Shopee Consumers of Erigo Fashion Products Masitoh, Masitoh; Irma Yunita; Muhamad Agung Dharmajaya
MAR-Ekonomi: Jurnal Manajemen, Akuntansi Dan Rumpun Ilmu Ekonomi Vol. 4 No. 03 (2026): Jurnal Manajemen, Akuntansi dan Rumpun Ilmu Ekonomi (MAR-Ekonomi), 2026
Publisher : SEAN Institute

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Abstract

This study aims to analyze the influence of user experience and e-trust on online purchasing decisions for Erigo fashion brand products on the Shopee platform in Pandeglang Regency, with discounts as a moderating variable. The study used an associative quantitative approach with the SEM-PLS method on 140 Shopee user respondents selected through random sampling techniques in five sub-districts in Pandeglang Regency. The results showed that user experience had no significant effect on online purchasing decisions, while e-trust had a positive and significant effect on purchasing decisions. In addition, the discount variable was unable to moderate the relationship between user experience and e-trust on purchasing decisions. The research findings confirm that digital trust is the main factor influencing consumer decisions in purchasing fashion products online compared to user experience or price promotion stimuli. This study contributes to the development of digital consumer behavior studies, especially in fashion marketplaces in developing regions, and serves as a strategic reference for e-commerce platforms in increasing consumer trust.
Open Banking and Regulatory Challenges in Indonesia Muhamad Agung Dharmajaya
Jurnal Restorasi : Hukum dan Politik Vol. 1 No. 02 (2023): Jurnal Restorasi : Hukum dan Politik, October 2023
Publisher : Jurnal Restorasi : Hukum dan Politik

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Abstract

The acceleration of digitalization is driving the Indonesian financial sector to transform from a conventional operational model to an open banking ecosystem. This study aims to analyze the development of open banking implementation in Indonesia and identify key regulatory challenges faced in mitigating legal and cybersecurity risks. The research method used is a normative juridical approach with a qualitative-descriptive approach through secondary data analysis in the form of Bank Indonesia regulations, the Financial Services Authority (OJK), and related literature. The results in the first sub-chapter indicate that the implementation of open banking, guided by the National Standard for Open API Payments (SNAP), based on the 2025 Indonesian Payment System Blueprint (BSPI), has successfully increased financial inclusion and the efficiency of system integration between financial actors. However, the analysis in the second sub-chapter reveals significant regulatory challenges, including an expanded cyberattack surface due to imbalances in IT protection capacity, uncertainty about legal liability in the event of system failures, fragmented cross-sectoral oversight, and difficulties in synchronizing with the Personal Data Protection Law (PDP Law). This research concludes that advances in SNAP's technical infrastructure have not been matched by an adaptive legal framework, creating legal gaps that risk consumer harm. This research recommends that Bank Indonesia and the Financial Services Authority (OJK) formulate joint regulations, shift to a principles-based approach, and strengthen the capacity of supervisory technology to create a safe and sustainable digital financial ecosystem.
Franchise Agreements from a Commercial Law Perspective Muhamad Agung Dharmajaya
Journal of Economics and Business (JECOMBI) Vol. 2 No. 1 (2021): Journal of Economics and Business (JECOMBI) : September 2021
Publisher : SEAN Institute

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Abstract

The dynamic development of the business world has encouraged the emergence of various business partnership models to accelerate market expansion, one of which is through the franchise system. However, in practice, this legal relationship often triggers asymmetric bargaining positions and potential disputes due to the blurring of the rights and obligations of the parties within the scope of business law. This study aims to analyze the legal standing and validity of franchise agreements within the Indonesian commercial law system, as well as to examine the ideal form of legal protection for franchisors and franchisees to minimize the risk of default. The research method used is normative juridical with a statute approach and a conceptual approach. Secondary data obtained through literature review was analyzed qualitatively using deductive reasoning. The results indicate that a franchise agreement is a valid, anonymous agreement based on the principle of freedom of contract (Article 1338 paragraph 1 of the Civil Code) and the requirements for a valid agreement (Article 1320 of the Civil Code). From a commercial law perspective, formal validity requires compliance with specific regulations (lex specialis) in the form of a written contract in Indonesian, the issuance of a prospectus, and possession of a Franchise Registration Certificate (STPW). Ideal legal protection for franchisors rests on Intellectual Property Rights (IPR) protection through a confidentiality agreement (NDA) and a non-compete clause. Conversely, protection for franchisees is realized through the right to validity of prospectus data, territorial exclusivity (territorial protection), and the right to receive cure notice before contract termination. In the event of a business dispute, a choice of forum clause through an Arbitration Institution is the most ideal mechanism due to its confidentiality, efficiency, and final and binding decision.
Digital Transformation of Banking and Its Legal Risks Muhamad Agung Dharmajaya
Jurnal Ekonomi Vol. 11 No. 03 (2022): Jurnal Ekonomi, 2022 Periode Desember
Publisher : SEAN Institute

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Abstract

Digital transformation of banking through the adoption of cutting-edge technology offers high efficiency, but on the other hand, it triggers the emergence of regulatory asymmetry (regulatory lag) and various new risk variants. This study aims to identify the dominant legal risk typologies in the era of banking digitalization and evaluate the readiness of the regulatory framework and effective legal risk mitigation mechanisms. The research method used is normative juridical with a descriptive-analytical approach to examine primary, secondary, and tertiary legal materials through literature review, which are then analyzed qualitatively using deductive reasoning. The results indicate three main legal risk typologies: violations of personal data protection due to data breaches, escalation of cybercrime such as phishing and ransomware that trigger disputes over unauthorized transactions, and legal uncertainty regarding the validity of electronic contracts (e-contracts) and the reliability of digital evidence in court. This study concludes that banks can no longer rely on unilateral exoneration clauses that harm consumers. Legal mitigation efforts must be implemented holistically by strengthening internationally standardized information technology governance (ISO 27001), strengthening e-KYC systems, implementing standard digital forensics audit logs, and utilizing cyber insurance. Meanwhile, regulatory authorities are required to shift their policy approach to principle-based, adaptive regulation to create a secure, trustworthy, and legally certain digital banking ecosystem.
Intellectual Property Rights Protection in the Digital Economy Muhamad Agung Dharmajaya
Jurnal Ekonomi, Akuntasi dan manajemen Indonesia (JEAMI) Vol. 3 No. 01 (2024): Jurnal Ekonomi, Akuntasi dan Manajemen Indonesia (JEAMI), November 2024
Publisher : SEAN Institute

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Abstract

The rapid development of information technology has transformed the global business landscape into the digital economy era. However, this phenomenon has also brought massive threats to the protection of Intellectual Property Rights (IPR) through various new modes of cyber violations. This study aims to analyze the effectiveness of positive legal regulations in protecting IPR in the digital ecosystem and identify multidimensional obstacles to its enforcement. The research method used is normative juridical with a statutory and conceptual approach through qualitative secondary data analysis. The results indicate that current positive legal regulations are ineffective due to the rigid nature of conventional law and the lag behind the rapid pace of digital technological innovation, thus creating a legal vacuum (rechtvacuum), especially in regulating the generative Artificial Intelligence (AI) ecosystem and the responsibility of digital platforms. Law enforcement in cyberspace is also hampered by structural barriers in the form of cross-border jurisdictional conflicts, technical barriers in the form of manipulation of electronic evidence and the anonymity of perpetrators, and cultural barriers in the form of low public legal awareness that is permissive towards digital piracy. This study concludes that regulatory reforms are needed that adhere to technology-neutral legislation, integrated with cutting-edge technological solutions such as blockchain and smart contracts to automate copyright and royalty tracking, and supported by strengthened international legal diplomacy and digital literacy education to create a safe digital economy ecosystem for innovators
Co-Authors Abdurrohman, Haidar Asep Setiawan Diba Anggraini Aris Ekanto, Joko Eva Sutihat Fajri Syahiddinillah Harmonis Harmonis Harmono Hassanain Haykal Irma Yunita Kaukab, M. Elfan Kemal Taufiq M. Elfan Kaukab Masitoh Masitoh Minangkabawi, Harmonis Muhamad Isnan Nur Ikhwan Nani Nurani Muksin Nono Arief Rachman Raharja, Arif Budi Seftiadi, Yosep Setiawan, Asep S Setiawan, Ronni Cahyo Swarnawati, Aminah Wan Noor Hazlina Wan Jusoh Wan Noor Hazlina Wan Jusoh, Wan Noor Hazlina Wan Yosep Seftiadi Zaharuddin Zaharuddin, Zaharuddin