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All Journal Berajah Journal International Journal of Business and Quality Research
Hikmat Ansori
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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PEMANFAATAN ARTIFICIAL INTELLIGENCE DALAM PREDIKSI PERMINTAAN EKSPOR INDONESIA DI PASAR GLOBAL TINJAUAN HUKUM DAN TEKNOLOGI SERTA KEBIJAKAN PERDAGANGAN Juhana Nuryana; Annie Myranika; Rifqi Syifa’ul Qolbi; Muslimin; Hikmat Ansori
Berajah Journal Vol. 6 No. 2 (2026): Berajah Journal
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/bj.v6i2.391

Abstract

The development of Artificial Intelligence (AI) technology has opened new opportunities in analyzing and predicting export demand in the global market. This study aims to analyze the utilization of AI in predicting Indonesian export demand from legal, technological, and international trade policy perspectives. The research method used is normative legal research with a multidisciplinary approach that integrates legal, technological, and public policy analysis. The results show that the utilization of AI in predicting Indonesian export demand has significant potential to enhance export product competitiveness, optimize supply chains, and support trade policy decision-making. However, this implementation faces legal challenges related to data protection, intellectual property, algorithm regulation, and compliance with international trade agreements. This study recommends the formulation of a comprehensive regulatory framework that accommodates AI innovation while protecting national and consumer interests.
The Effectiveness of Financial Services Authority Supervision of Leasing Companies from the Perspective of State Administrative Law Gunarto Wardono; Mustofa Kamil; Rahmat Wijaya; Juhana Nuryana; Raliyanto Budi Wikarno; Hikmat Ansori
International Journal of Business and Quality Research Vol. 4 No. 02 (2026): International Journal of Business and Quality Research (IJBQR)
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v4i02.3535

Abstract

This study evaluates the effectiveness of the Financial Services Authority (OJK) in supervising leasing companies and identifies systemic challenges in consumer protection from an Administrative Law perspective. Employing a normative legal methodology with a contextual approach, the research analyzes primary regulations, including the OJK Law, Consumer Protection Law, Fiduciary Guarantee Law, and relevant Constitutional Court rulings, alongside documented field practices. Findings reveal a persistent implementation gap between formal regulatory mandates and practical enforcement. Despite measurable declines in consumer complaints, aggressive debt collection, unilateral fiduciary executions, and opaque contractual practices remain prevalent. From an administrative law standpoint, these shortcomings reflect vulnerabilities in applying legitimacy, proportionality, and accountability principles, compounded by regulatory fragmentation, limited institutional capacity, and weak inter-agency coordination. The study concludes that OJK’s supervisory framework requires structural reform to transition from compliance-based monitoring to outcome-oriented governance. Recommendations include harmonizing overlapping regulations, establishing joint enforcement task forces, integrating data-driven monitoring systems, and implementing sustained consumer literacy initiatives. Ultimately, aligning financial supervision with foundational administrative law tenets is essential to strengthen institutional credibility, ensure equitable consumer protection, and foster a resilient leasing sector in Indonesia.
HUBUNGAN SENGKETA DALAM CV STABILITAS OPERASIONAL PERUSAHAAN Juhana Nuryana; Pandri Zulfikar; Rifqi Syifa’ul Qolbi; Muslimin; Hikmat Ansori; Dian Retno Widayati
Berajah Journal Vol. 6 No. 3 (2026): Berajah Journal
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/bj.v6i3.492

Abstract

Commanditaire Vennootschap (CV) is a commercial partnership with unique characteristics involving the separation of roles between managing partners and limited partners. Disputes arising within CV, whether internal or external, significantly impact company operational stability. This study aims to analyze the causal relationship between disputes in CV and company operational stability, and to evaluate effective dispute resolution mechanisms in maintaining business continuity. The research method used is normative legal research with conceptual and statutory approaches. The results indicate that internal disputes between managing partners and limited partners, typically stemming from unclear authority distribution under Article 20 of the Commercial Code, negatively affect financial stability, company reputation, and internal partner relationships. External disputes with third parties, particularly regarding breach of contract and industrial relations disputes, cause operational disruptions, decreased productivity, and financial losses. This study recommends strengthening Alternative Dispute Resolution (ADR) mechanisms, clarifying cooperation agreements, and implementing periodic audits as risk mitigation strategies for CV disputes.
DINAMIKA BATAS KEWENANGAN PENGAWASAN ANTARA OJK DAN BANK INDONESIA ATAS AKTIVITAS FINTECH DI SEKTOR PERBANKAN Irwan Soeharlim; Hasnah Aziz; Muhammad Ruhunussa; Hikmat Ansori; Anharyanto
Berajah Journal Vol. 6 No. 3 (2026): Berajah Journal
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/bj.v6i3.522

Abstract

The development of financial technology (fintech) in Indonesia has significantly transformed the financial services system and banking industry. Digital innovations such as electronic payments, peer-to-peer lending, open banking, digital banking, and embedded finance have created new challenges in terms of regulation and supervision. In practice, there are dynamics regarding the boundaries of authority between the Financial Services Authority (OJK) and Bank Indonesia (BI) as two state institutions responsible for regulation and supervision in the financial sector. This study aims to analyze the boundaries of supervisory authority between OJK and Bank Indonesia over fintech activities in the banking sector and their legal implications for legal certainty and consumer protection. This research uses normative legal research methods with statutory and conceptual approaches. The findings indicate that overlapping authorities still occur, particularly in digital payment services, digital banking, electronic payment systems, and the integration of fintech services with banking institutions. Such conditions potentially create regulatory disharmony and legal uncertainty. Therefore, stronger institutional coordination, regulatory harmonization, and the establishment of an integrated supervisory framework between OJK and Bank Indonesia are necessary to ensure effective, adaptive supervision and optimal legal protection for the public.
Co-Authors Anharyanto Annie Myranika Dian Retno Widayati Gunarto Wardono Hasnah Aziz Irwan Soeharlim Juhana Nuryana Muhammad Ruhunussa MUSLIMIN Mustofa Kamil Pandri Zulfikar Rahmat Wijaya Raliyanto Budi Wikarno Rifqi Syifa’ul Qolbi