In Indonesia, the spread of Coronavirus Disease 2019 (COVID-19) affects economic stability. The problem faced by Indonesia today is that the performance and capacity of debtors in carrying out their credit obligations have been disrupted by the spread of COVID-19, which has the potential to disrupt banking performance in credit management. Encouraging the optimization of the banking intermediary function a policy is needed in tackling the impact of the spread of COVID-19. The research method used is a normative legal research method using secondary data. The results of this study indicate that policy settings in overcoming economic instability due to the spread of COVID-19 are the issuance of policies to provide national economic stimulus through the application of Financial Services Authority Regulation No. 11/POJK.03/2020. This policy regulates the existence of credit restructuring, namely the quality of restructured loans can be determined smoothly if given to debtors identified as being affected by the spread of COVID-19. The implementation of the restructuring scheme can vary and is determined by the policies of each bank depending on the assessment of the debtor's profile and capacity to pay. We emphasize that amid uncertainty, such as the current policy will be truly useful if each party takes the process carefully and responsibly.
The integrality of the criminal justice system must be realized in every aspect of sub-systems, in substance, structure, and legal culture. In this respect, in the process of criminal justice, the three sub-systems’ integrality are required so that the criminal justice system is capable to produce fair legal decisions in the process of law enforcement in Indonesia. Until such a policy is undertaken, the law will always be harsh against the poor and weak against the rich. This paper discusses criminal objectives integrality in Indonesian criminal justice system and its influence in the integrated criminal justice system. Using a normative juridical method, this paper demonstrates that each sub-system of criminal justice (the Police, Prosecutors, Courts, and the prison) is in line with the main objectives of criminal law enforcement as found in various laws that govern the institutions.
Pembangunan berkelanjutan (sustainable development) dimaksudkan agar perusahaan mensinergikan aspek keuntungan (nilai ekonomis) dengan aspek lingkungan, serta aspek sosial seperti pemberdayaan masyarakat. Penelitian ini bertujuan untuk mengetahui kebijakan pengaturan tanggung jawab sosial dan lingkungan oleh perusahaan di Indonesia sebagai strategi pemberdayaan masyarakat. Penelitian ini bersifat deskriptif dengan jenis penelitian hukum normatif. Penelitian ini menunjukkan tanggung jawab perusahaan terhadap aspek sosial dan lingkungan dilakukan dengan pelaksanaan corporate social responsibility (CSR). Konsep CSR di Indonesia telah memperoleh legitimasi hukum untuk dilaksanakan oleh perusahaan swasta maupun badan usaha milik negara (BUMN). Kebijakan CSR merupakan strategi hukum yang digunakan dalam peningkatan pemberdayaan masyarakat melalui program-program bantuan pendidikan gratis, pelatihan pengembangan usaha lokal untuk membuka peluang usaha bagi masyarakat, serta program kepedulian berupa recruitment tenaga kerja lokal.
Pentingnya independensi yang dimiliki lembaga Komisi Pemberantasan Korupsi (KPK) yaitu untuk mempercepat kinerja lembaga KPK itu sendiri. Namun, disahkannya Undang-Undang Nomor 19 Tahun 2019 tentang Perubahan Kedua Atas Undang-Undang Nomor 30 Tahun 2002 tentang Komisi Pemberantasan Tindak Pidana Korupsi (revisi UU KPK) mengakibatkan pelemahan terhadap lembaga KPK. Pada penelitian doktrinal ini, metode penelitian yang digunakan adalah metode penelitian hukum normatif yaitu metode penelitian hukum yang mendasarkan pada pendekatan perundang-undangan dan pendekatan konseptual dengan menggunakan analisis deskriftif analitis. Hasil dari penelitian ini menunjukan telah hilangnya independensi KPK dengan diubahnya isi dari Pasal 3 UU KPK. Pelemahan lembaga KPK terlihat dengan dibentuknya dewan pengawas, kemudian pegawai KPK harus berasal dari Aparatur Sipil Negara sehingga mengakibatkan terikatnya dengan komando pusat yang membatasi ruang gerak lembaga KPK.
Banks are financial institutions that play a strategic role to advance the economy of a country. Indeed, in its development, the banking sector plays a very important role in the economy of a country. The role can be seen with the banking innovation developing Cash Recycling Machine (CRM). CRM is one of the banking products that can facilitate customers in conducting financial transaction activities, for example, the money withdrawal transactions and depositing money without having to go through a teller at the bank. However, on the other hand, customers as users of CRM products can suffer losses due to CRM damage. This article aims to describe and explain the protection of customers as CRM users, as well as the bank's responsibility for losses suffered by customers due to CRM damage. The empirical juridical approach method was used in this study because this study emphasized the facts obtained from the results of the study, the research specifications used were descriptive-analytical. This study uses data collection techniques based on primary data and secondary data. The results of the study show that CRM user protection is preventive legal protection and repressive protection. Preventive legal protection is carried out through Act Number 10 the year 1998 about Banking and Act Number 8 the year 1999 about Consumer Protection. While repressive legal protection is carried out by banks in the form of responsibility for losses suffered by CRM users. Bank merupakan lembaga keuangan yang berperan strategis untuk memajukan perekonomian suatu negara. Sejatinya, dalam perkembangannya sektor perbankan memainkan peranan yang sagat penting dalam perekonomian suatu negara. Peranan tersebut dapat dilihat dengan adanya inovasi perbankan mengembangkan Cash Recycling Machine (CRM). CRM merupakan salah satu produk perbankan yang dapat mempermudah nasabah dalam melakukan aktivitas transaksi keuangan, contohnya adalah transaksi penarikan uang dan penyetoran uang tanpa harus melalui teller di bank. Akan tetapi di sisi lain nasabah sebagai pengguna produk CRM dapat mengalami kerugian akibat kerusakan CRM. Artikel ini memiliki tujuan mendeskripsikan dan menjelaskan perlindungan nasabah sebagai pengguna CRM, serta tanggung jawab pihak bank terhadap kerugian yang diderita nasabah akibat kerusakan CRM. Metode pendekatan yuridis empiris digunakan dalam penelitian ini, karena penelitian ini menekankan pada fakta-fakta yang diperoleh dari hasil penelitian, spesifikasi penelitian yang digunakan adalah deskriptif analitis. Penelitian ini menggunakan teknik pengumpulan data didasarkan pada data primer dan data sekunder. Hasil penelitian menunjukkan bahwa perlindungan nasabah pengguna CRM adalah perlindungan hukum preventif dan perlindungan represif. Perlindungan hukum preventif dilaksanakan melalui Undang-Undang Nomor 10 tahun 1998 tentang Perbankan dan Undang-Undang Nomor 8 tahun 1999 tentang Perlindungan Konsumen. Sedangkan perlindungan hukum secara represif dilakukan oleh pihak perbankan berupa pertanggungjawaban atas kerugian yang dialami oleh nasabah pengguna CRM.
The problem for all countries in the world, including Indonesia, is the presence of a virus originating from Wuhan City, China. This virus is known as COVID-19. The Government of Indonesia has established COVID-19 as a type of disease that causes a Public Health Emergency. Therefore, prevention efforts must be made in accordance with existing provisions. The research method used is a socio-legal research method with a normative legal approach and a sociological approach conducted in Klaten-Central Java. The results of this study indicate that the policy currently being taken is health quarantine. The policy is the issuance of health protocols for the community. This protocol is known as the COVID-19 hygiene protocol, one of which is related to the obligation to wear masks by everyone when outside the home and the Hand Washing with Soap (CPTS) movement with running water either/both the use of antiseptic hand sanitizers as stipulated in the Ministry of Health Circular Number HK.02.02/I/385/2020. The level of awareness and compliance in Klaten Regency on the policy is exceptionally well, indicated by the dominant number of people in the use of masks when they are outside of the house and washing their hands with soap with running water either/both using antiseptic hand sanitizers. Therefore, the existence of a health protocol as a government policy in accelerating COVID-19 countermeasures is expected by parties, such as the Regional Government and the community in playing an active role referring to those who are feverish to the nearest hospital. Then, the Regional Government can socialize or urge people to use masks. For emergencies, if you sneeze or cough in a public area, cover your mouth with your inner elbows or upper sleeve. People who are sick are also advised not to use public transportation to minimize the possible risk of spreading the disease.
Tujuan artikel ini untuk mengetahui reformasi kebijakan pengaturan perkawinan dan perubahan batasan minimal umur perkawinan di Indonesia. Penelitian ini merupakan doktrinal, metode penelitian yang digunakan adalah metode penelitian hukum normatif yaitu metode penelitian hukum yang mendasarkan pada pendekatan perundang-undangan dengan menggunakan analisis deskritif analitis. Hasil penelitian ini menunjukan adanya reformasi atau perubahan terkait pengaturan perkawinan di Indonesia, melalui perubahan UU Perkawinan tahun 1974 menjadi UU Perkawinan tahunn 2019. Subtansi perubahan UU Perkawinan ini berfokus pada perubahan batasan minimal umur perkawinan umur untuk perempuan menjadi 19 tahun. Karena pengaturan batasan umur sebelumnya (16 tahun) tidak sejalan dengan ketentuan yang ada dalam UU Perlindungan Anak yang menyatakan anak adalah seseorang yang berusia belum 18 tahun. Selain itu adanya fakta bahwa perempuan yang menikah diusia 16 tahun lebih rentan mengalamin gaguan kesehatan serta mental. Perubahan ini juga merupakan uapaya pemenuhan hak dasar anak atas perlindungan dari kekerasan dan diskriminasi, hak sipil, haka kesehatan, hak pendidikan dan hak sosial anak yang sulit terpenuhi akibat pernikahan di usia dini.
This research aims to determine and analyze the implementation of the concept of profit-sharing in Islamic banking credit agreements based on regulations in force in Indonesia and also to find out and analyze defaults undertaken by customers in Islamic banking credit agreements. The method used in this research is normative juridical, which is a method that puts forward secondary data in the form of primary, secondary and tertiary legal materials. The secondary data in question such as Law Number 21 of 2008 concerning Sharia Banking, related books, and legal research journals. This research is based on the high community needs for capital to achieve the objectives of a business into a separate phenomenon. The concept of muamalah on the teachings of Islam that Muslims want to adhere to is one of the reasons for the birth of the concept of Islamic banking in Indonesia. The concept of profit sharing is one of the concepts known in Islamic banking. The risk of breach of contract by the customer is a necessity.
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