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INDONESIA
Berajah Journal
Published by CV. LAFADZ JAYA
ISSN : 27971805     EISSN : 27971082     DOI : https://doi.org/10.47353/bj
Core Subject : Science, Education, Social,
Education Languange, Linguistic, Communication & Media Library & Information Science Social Sciences
BERAJAH JOURNAL menerbitkan artikel tentang pendidikan dan pembelajaran secara umum. Berisi artikel /hasil penelitian yang ditulis oleh para ahli, ilmuwan, praktisi, dan reviewer di bidang pendidikan dan pembelajaran. Beberapa cakupan Berajah Journal meliputi: Teori dan landasan pendidikan dan pembelajaran, Filsafat pendidikan dan pembelajaran, Teknologi pendidikan dan pembelajaran, Media pendidikan dan pembelajaran, Evaluasi pendidikan, Manajemen Pendidikan, Inovasi pendidikan dan pembelajaran, Pendidikan untuk semua jenjang, Pendidikan formal, Pendidikan informal, Pendidikan non formal, Pendidikan pedesaan, Pendidikan perkotaan, Kurikulum pendidikan dan pembelajaran, Pendidik dan siswa, Kebijakan pendidikan dan pembelajaran, Metode dan strategi pembelajaran, Penilaian pembelajaran, sosial budaya, dll.
Arjuna Subject : Umum - Umum
Articles 577 Documents
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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.
ANALISIS YURIDIS PERLINDUNGAN KONSUMEN TERHADAP PRAKTIK PINJAMAN ONLINE ILEGAL DI INDONESIA Naek Efendi; Hasnah Aziz; Asep Mulyana; Tugimin Harjotaruno; Dadang Rachmat; Juhana Nuryana
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.v6i3.495

Abstract

Abstract The development of financial technology (fintech) lending in Indonesia has brought significant transformation in financial service access, yet simultaneously raised serious problems regarding the proliferation of illegal online lending practices. These practices involve misuse of consumers personal data, digital intimidation, exorbitant interest rates, and various actions that substantially harm consumers. This article aims to analyze juridically the legal protection framework for consumers against illegal online lending practices in Indonesia. The research method used is qualitative with a normative-empirical legal approach. Data was collected through studies of legislation, court decisions, Financial Services Authority reports, and scientific literature studies. The results show that consumer protection against illegal online lending practices faces multidimensional challenges, including regulatory weaknesses that do not comprehensively regulate digital lending aspects, law enforcement limitations due to the transnational nature of perpetrators, and low consumer financial literacy. This article recommends the need for harmonization of legislation, strengthening of cross-institutional cooperation, and revitalization of consumer education to create an online lending ecosystem that effectively protects consumer rights.
PERAN HUKUM KEBIJAKAN PUBLIK DALAM PENCEGAHAN POLITIK DINASTI DI DAERAH Akhmad Faishal; Mustofa Kamil; Bachtiar Kemal Harahap; Muslimin; Teddy T Pingak; Rifqi Syifa’ul Qolbi
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.v6i3.496

Abstract

Dynastic politics is a phenomenon rooted in Indonesia's democratic system, particularly at the regional government level. The practice of dynastic politics threatens the principles of meritocracy, equality, and substantive democracy that form the constitutional foundation of this country. This article aims to analyze the role of public policy law in preventing dynastic politics practices in regions. The research method used is qualitative with a normative-empirical legal approach. Data was collected through document studies, literature studies, and analysis of legislation. The results show that public policy law has a strategic role in preventing dynastic politics through three main mechanisms: first, normative regulation through legislation that limits dynastic politics practices; second, supervision and law enforcement mechanisms by state institutions; and third, political education and formation of community legal awareness. This article recommends the need for harmonization of legislation, strengthening of supervisory institutions, and revitalization of political education to create a regional democratic system free from dynastic politics practices.
PERTANGGUNGJAWABAN HUKUM FINTECH LENDING ATAS KREDIT MACET DALAM PERJANJIAN ELEKTRONIK Rahmat Giling; Hasnah Aziz; Nursalim; Mahmuddin; Dany Wahyu
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.v6i3.502

Abstract

The development of financial technology lending (fintech lending) in Indonesia has transformed the financing landscape by introducing electronic agreements as the primary legal instrument in creditor-debtor relationships. However, the increasing volume of non-performing loans in this sector raises fundamental questions regarding the legal accountability of fintech lending providers. This article aims to analyze juridically the legal accountability of fintech lending for non-performing loans arising from electronic agreements. The research method used is qualitative with a normative-empirical legal approach. Data was collected through studies of legislation, court decisions, Financial Services Authority reports, and scientific literature studies. The results show that the legal accountability of fintech lending for non-performing loans involves three crucial aspects: first, the legal status of fintech lending as an intermediary versus a party to the credit agreement; second, the distribution of responsibility among fintech lending, partner banks, and investors in the peer-to-peer lending financing structure; and third, the mechanism for resolving non-performing loans that fulfills the principle of substantive justice. This article recommends the need for clarification of the legal status of fintech lending in legislation, harmonization of obligations among parties in electronic agreements, and development of a proportional non-performing loan resolution mechanism.
GHIBAH DAN NAMIMAH Muhammad Rasyid; Norlaila Norlaila
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.v6i3.503

Abstract

This study examines the phenomena of ghibah and namimah as destructive behaviors from an Islamic perspective, focusing on their definitions, Islamic legal justifications, and their social, psychological, and spiritual impacts, as well as prevention strategies based on moral education and digital literacy. Using a qualitative descriptive literature review method, the findings indicate that ghibah—speaking ill of someone’s faults—and namimah—sowing discord—disrupt social harmony, diminish the quality of faith, and may hinder entry into Paradise, particularly in the era of social media, which accelerates their spread. Effective prevention is achieved through verbal guidance, piety, and a culture of self-reflection, with practical implications for education, family, and society. This research contributes to strengthening noble ethics in the face of modern social dynamics.
PENINGKATAN KINERJA UMKM MELALUI INOVASI HIJAU, PEMASARAN DIGITAL, DAN KEBIJAKAN PEMERINTAH DI KABUPATEN SUMBAWA Wahyu Haryadi; Ismawati; Nurdin Natan; Kamaruddin
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.v6i3.520

Abstract

The purpose of this study is to test and analyze the influence of green innovation, digital marketing, and government policies on improving the performance of micro, small, and medium enterprises (MSMEs) in Sumbawa Regency. This type of research is associative with a quantitative approach. The data collection technique was through questionnaires using a purposive sampling method. This study involved 100 MSME owners/managers. The results of the study indicate that partially and simultaneously there is a positive and significant influence of green innovation, digital marketing, government policies and improving MSME performance. Based on the results of the determination coefficient test, an R Square value of 0.401 was obtained, which means that the variables of green innovation, digital marketing, and government policies are able to explain variations in MSME performance by 40.1%, while the remaining 59.9% is explained by other factors outside the research model.
TINJAUAN YURIDIS PENYELESAIAN SENGKETA PERDAGANGAN INTERNASIONAL DALAM KERANGKA WTO DAN HUKUM NASIONAL INDONESIA Irwan Soeharlim; Annie Myranika; Muhammad Ruhunussa; 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.v6i3.521

Abstract

International trade dispute settlement is an important instrument in maintaining the stability of the global trading system. The World Trade Organization (WTO) through the Understanding on Rules and Procedures Governing the Settlement of Disputes (DSU) provides a binding adjudicative mechanism for member states. This study aims to analyze the WTO dispute settlement mechanism, the implementation of WTO provisions in Indonesian national law, and the harmonization between international trade law and Indonesia’s national interests. This research uses a normative juridical method with statutory, conceptual, and case approaches. The results indicate that the WTO dispute settlement mechanism consists of consultation, panel proceedings, appeals, and implementation of decisions. Indonesia has adopted WTO principles into national regulations, particularly through Law Number 7 of 2014 concerning Trade and Law Number 24 of 2000 concerning International Treaties. However, harmonization between national law and WTO provisions still faces challenges, especially regarding the protection of national interests, downstream natural resource policies, and the WTO Appellate Body crisis. The DS592 nickel export dispute and DS480 biodiesel dispute demonstrate the dynamic relationship between international obligations and national economic sovereignty. Therefore, strengthening international trade law capacity and WTO reform are necessary to create a fairer and more balanced international trading system.
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.
ANALISIS YURIDIS, ONTOLOGIS, DAN REKONSTRUKSI PERLINDUNGAN HUKUM DALAM SISTEM PERBANKAN NASIONAL (Kajian Hukum Perbankan Syariah dalam Perspektif Kepastian Hukum dan Keadilan Substantif) Ani Wahyuni; Hasnah Aziz; Ahmad Fahrul Rozi; Oky Rona Wijaya; Regina Yura Fitriah Sari
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.v6i3.526

Abstract

The existence of Islamic banking in Indonesia constitutes a juridical, philosophical, and sociological necessity within the national legal system. The rapid development of Islamic financial institutions demands legal certainty, especially concerning the implementation of sharia principles in banking agreements and customer protection mechanisms. This study aims to analyze the ontological and juridical position of sharia principles within the Indonesian banking system, examine the legal problems in the implementation of Islamic banking contracts in relation to the principle of freedom of contract under the Civil Code, and reconstruct legal protection mechanisms for Islamic banking customers in both litigation and non-litigation dispute settlement. This research employs normative legal research with statutory, conceptual, philosophical, and case approaches. The legal materials consist of primary, secondary, and tertiary legal sources analyzed using descriptive qualitative methods. The findings reveal that sharia principles have transformed from religious norms into imperative positive law (dwingend recht) through Law Number 21 of 2008 concerning Islamic Banking. Nevertheless, the implementation of sharia contracts still encounters normative conflicts between the principle of freedom of contract and sharia restrictions such as the prohibition of riba, gharar, and maysir. In practice, standard contracts frequently create bargaining inequality between banks and customers. Furthermore, dispute resolution mechanisms remain fragmented due to the dualism between civil procedural law and sharia economic law. The reconstruction of legal protection requires harmonization between national procedural law and Islamic economic law, strengthening mediation institutions and non-litigation settlement mechanisms, and codifying Islamic economic law into statutory legislation to guarantee legal certainty, justice, and consumer protection in the national Islamic banking system.
HUBUNGAN HUKUM KONTRAK ELEKTRONIK DENGAN KEAMANAN TRANSAKSI DIGITAL Opik Sepriadi; Pandri Zulfikar; Salman Al Ghifari; Unggul Budi; Ridwan
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.v6i3.534

Abstract

The development of information and communication technology has encouraged the transformation of conventional transaction systems into electronic-based digital transactions. In modern business practices, electronic contracts have become the main legal instrument used in various digital trade activities, including e-commerce, financial technology, digital banking services, and cross-border transactions. However, the increasing use of electronic contracts also raises various legal issues related to digital transaction security, personal data protection, party authentication, validity of electronic evidence, and cybercrime risks. This study aims to analyze the legal relationship between electronic contracts and digital transaction security from the perspective of Indonesian positive law. The research method used is normative legal research with statutory and conceptual approaches. Sources of legal materials were obtained from laws and regulations, legal doctrines, scientific journals, and relevant court decisions. The results show that electronic contracts have valid legal force as long as they fulfill the legal requirements of agreements as regulated in Article 1320 of the Indonesian Civil Code and the provisions of the Electronic Information and Transactions Law. Digital transaction security is an important element in ensuring legal certainty, consumer protection, and public trust in electronic systems. Therefore, strengthening regulations, improving cybersecurity systems, and harmonizing digital laws are necessary to create a secure, fair, and sustainable electronic transaction ecosystem.

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