Tri Handayani - Academia.edu (original) (raw)

Papers by Tri Handayani

Research paper thumbnail of Msme Empowerment Policy Strategy in Order to Do Accelerating of the Development Financial Services Ecosystem

Rechtidee

The post-Covid-19 National Economic Recovery (PEN) is carried out through the synergy of the Gove... more The post-Covid-19 National Economic Recovery (PEN) is carried out through the synergy of the Government's policies with the Financial Services Authority (OJK), one of which is regarding financing for the Priority Economic Sector, namely MSMEs. The government issued a PEN policy in order to protect, maintain and improve the economic capacity of business actors during the pandemic. On the other hand, OJK is committed to encouraging the development of MSMEs so that they become a buffer for the economy. OJK's steps are committed to maintaining financial system stability. In implementing the policy, of course, there will be challenges and obstacles, therefore the legal issue that will be studied is how the policy strategy can be applied in terms of developing MSMEs in order to realize a financial services ecosystem. The research method used is a normative juridical approach using secondary data in the form of primary legal materials, namely legislation, secondary legal materials,...

Research paper thumbnail of Legal Perspective: The Role of Infrastructure Guarantee Institution in Infrastructure Project Provision Through Public-Private Partnership Scheme

Journal of Private and Commercial Law

Infrastructure development is a strategic step for Indonesia to accelerate national development a... more Infrastructure development is a strategic step for Indonesia to accelerate national development and economic equality. One of the efforts to attract investment is a partnership between the Government and Business Entities in the infrastructure provision. The large source of funding is one of the obstacles in infrastructure development and to overcome the funding gap in infrastructure development, a new financing scheme is used that involved new partners (private, non-profit organization, or the community) to participate in infrastructure financing and project implementation. The involvement of the Business Entity in infrastructure financing is carried out with the Public-Private Partnership (PPP) scheme. One of the Government's contributions to PPP is to provide Government Guarantees through Indonesia Infrastructure Guarantee Fund (IIGF). This study aims to examine the role of IIGF in the Public and how it functions to encourage the acceleration of infrastructure development. Th...

Research paper thumbnail of Penyalahgunaan Dana Deposito Milik Nasabah Ditinjau Dari Ketentuan Hukum Perbankan Syariah

Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah

Islamic banks in carrying out their business activities are very likely to be faced with a disput... more Islamic banks in carrying out their business activities are very likely to be faced with a dispute involving customers and the Islamic bank itself. Not infrequently these disputes arise due to the actions of employees of Islamic banks. This study aims to examine the competence in sharia banking dispute resolution and legal considerations in the Supreme Court Decision No. 2454k/pdt/2019 is related to the legal provisions of Islamic banking. This study uses a qualitative method with a normative juridical approach as well as a descriptive analytical research specification. The results of the study indicate that the absolute competence of sharia banking dispute resolution only exists in the Religious Courts. In addition, BRI Syariah Bank's liability for compensation to customers is a form of taking over the responsibilities of employees by the bank as regulated in Article 1367 of the Civil Code. The compensation is based on the principle of prudence, risk management of Islamic banks...

Research paper thumbnail of Analisis Peraturan Penggunaan QRIS Sebagai Kanal Pembayaran Pada Praktik UMKM Dalam Rangka Mendorong Perkembangan Ekonomi Digital

Acta Comitas

The purpose of this study is to analyze the Regulation of the Use of QRIS as an innovation of Ba... more The purpose of this study is to analyze the Regulation of the Use of QRIS as an innovation of Bank Indonesia in the payment system and to know its Policy Implementation in business development or MSME activities as an effort to accelerate the development of the digital economy. The research method used is normative juridical research method as well as legal history, with descriptive analytical specifications. Data collection from this study is assisted by the method of document study and interview which is then analyzed qualitatively. Based on the results of this study, it was obtained that the implementation of QRIS based on existing regulations through PADG has not been optimal and comprehensive, then further regulations are needed to regulate the problem of digital economic innovation that can reach QRIS users to even the smallest sectors, such as PBI. Thus, MSMEs can help play a role in creating inclusive finance so as to encourage the development of the digital economy in Indo...

Research paper thumbnail of Upaya Meningkatkan Likuiditas Transaksi Bursa dan Pertumbuhan Pasar Modal Melalui Pendanaan Transaksi Efek

Jurnal Jurisprudence

Tujuan: Salah satu hambatan untuk meningkatkan likuiditas transaksi Bursa adalah keterbatasan sum... more Tujuan: Salah satu hambatan untuk meningkatkan likuiditas transaksi Bursa adalah keterbatasan sumber dana bagi Anggota Bursa untuk memfasilitasi pendanaan transaksi Efek. Kehadiran Lembaga Pendanaan Efek (LPE) diharapkan dapat menjadi solusi untuk mengatasi keterbatasan pendanaan tersebut. Penelitian ini bertujuan untuk mengkaji keberadaan LPE dari perpektif hukum, khususnya aspek hukum perjanjian dan hukum jaminan. Metode Penelitian: Kajian dilakukan dengan menggunakan pendekatan yuridis normatif yang menitikberatkan pada studi literatur dan peraturan perundangundangan terkait likuiditas transaksi bursa dan pertumbuhan pasar modal melalui pendanaan transaksi efek. Temuan: Berdasarkan kajian diperoleh hasil bahwa LPE dibentuk untuk mengatasi keterbatasan pendanaan dalam meningkatkan likuiditas transaksi dalam rangka mendorong pertumbuhan pasar modal. Kegunaan: Hasil penelitian ini dapat digunakan sebagai bahan atau literatur dalam mengembangkan regulasi di pasar modal. Kebaruan/Orisinalitas: Aspek hukum jaminan dalam pendanaan transaksi Efek masih memerlukan kajian lebih lanjut, mengingat POJK LPE tidak secara tegas menyebutkan pranata jaminan yang digunakan, namun mengingat objek jaminan adalah Efek atau dana, dapat disimpulkan jaminan yang digunakan adalah gadai. Namun demikian, terdapat beberapa ketentuan dalam POJK yang perlu disesuaikan dengan pengaturan gadai dalam KUHPerdata.

Research paper thumbnail of Banks Contribution to Promote Indonesian Financial Inclusion

Proceedings of the 1st Borobudur International Symposium on Humanities, Economics and Social Sciences (BIS-HESS 2019), 2020

The Micro Small Medium Enterprise (MSME) sector in several other countries is considered to be ab... more The Micro Small Medium Enterprise (MSME) sector in several other countries is considered to be able to overcome unemployment, supporting the community to be able to prioritize entrepreneurship in order to create a sustainable business and even better if from the development of MSME businesses also can create job field. Banks as an intermediary institution can reduce the unemployment rate and can promote the economic growth. This research is conducted by normative juridical research method, which is focused on the examining the application of the rules or norms in positive law. The purpose of this study is to provide recommendations for improving financial inclusion in Indonesia. Result of this study is the financial inclusion allows people to save for family needs, borrow to support a business, or build a cushion against emergencies. Having access to financial services is an important step to reduce poverty and inequality. So, branchless banking is one of an alternative method to extend the distribution channel of financial products, offering an integrated distribution model that facilities consumer access to financial services

Research paper thumbnail of Implementing Sustainable Finance Principles: Legal Implications of Ease of Doing Business Towards Banking Credit Approval

Jurnal Komunikasi Hukum (JKH), 2021

The application of licenses based on commitments as a part of ease of doing business has shifted ... more The application of licenses based on commitments as a part of ease of doing business has shifted the obligations present for business actors. One of the forms of said change is the absence of an obligation to conduct EIAs as a basic requirement to acquire a business license. This could boost investment within Indonesia, on the other hand, it also has the potential to prompt legal risks that is the revocation of business licenses towards actors that had failed to fulfill business license commitments under GR OSS. This provision impacts the application of the principle of sustainable financing. With the requirement of EIAs as a fulfillment towards the commitments that are prerequisite of business licenses in the OSS GR, banks gain the challenge of adjusting their approach towards the gaining of profits from long term investments depends on a sustainable future, specifically in the administering of credits by banks. the article aims to analyze the legal implications of changing regulat...

Research paper thumbnail of The Urgency of Strengthening Appraisal Regulations to Realize a Legal Protection for Appraiser

Jurnal Media Hukum, 2019

The research describes the position and responsibility of Appraisers in assessing collateral for ... more The research describes the position and responsibility of Appraisers in assessing collateral for loan and finance, that in practice, often requires Appraisers' administrative, civil, and criminal responsibilities. The article uses a multi-interdisciplinary approach by applying status, comparative, and case study. The results show that a key for legal protection for appraiser comes from a legal relationship between an Appraiser and a Bank. The assessment of collateral for bank loan and financing, arises from collateral appraisal cooperation agreements; and from the legal provisions, including Regulation of the Ministry of Finance on Public Appraisal and the other related Laws. Furthermore, Legal responsibility of Appraiser's mistakes in appraising will be an administrative and civil sanctions. To provide legal certainty and legal protection for the Appraisal profession requires a strengthening of regulations by the issuance of Law on Public Appraisers such as other supporting professions, namely Public Notary, Legal Consultant, and Public Accountant.

Research paper thumbnail of Bail-In Dan Interconnectedness: Isu Hukum Strategis Dalam Pencegahan Dan Penanganan Krisis Sistem Keuangan

Masalah-Masalah Hukum, 2019

Undang-Undang No. 9 Tahun 2016 tentang Pencegahan dan Penanganan Krisis Sistem Keuangan mengatur ... more Undang-Undang No. 9 Tahun 2016 tentang Pencegahan dan Penanganan Krisis Sistem Keuangan mengatur prinsip-prinsip dalam pencegahan dan penanganan krisis sistem keuangan yang tidak diatur sebelumnya. Oleh karena itu, penelitian ini menganalisis implementasi prinsip bail in dan interconnectedness dalam pencegahan dan penanganan krisis sistem keuangan. Metode pendekatan yang digunakan adalah yuridis normatif dengan spesifikasi penelitian bersifat deskriptif analitis, dan data dianalisis secara yuridis kualitatif. Berdasarkan penelitian diperoleh hasil bahwa implementasi bail-in dalam penanganan bank sistemik dilakukan dengan mengoptimalkan kemampuan bank baik melalui penambahan modal (capital surcharge) maupun pengubahan utang atau investasi menjadi penyertaan (debt to equity swap). Saling keterkaitan (interconnectedness) antara sektor jasa keuangan menuntut adanya kebijakan makroprudensial yang bersifat melengkapi kebijakan mikroprudensial dan pengawasan sektor jasa keuangan yang ter...

Research paper thumbnail of Venture Capital Regulation Reform: Revitalization of Venture Capital as an Alternatives Financing Mentorship and Partnership Based

Journal of Private and Commercial Law, 2019

The growth of Venture Capital Company (PMV) in Indonesia is progressive although not significant.... more The growth of Venture Capital Company (PMV) in Indonesia is progressive although not significant. The Characteristics of Venture Capital, which is temporary in equity participation, caused venture capital financing is being highly risky financing. To anticipate this risk, PMVseeks the Investee Company (PPU) as a partner who is obliged to return capital. This is to secure this investment by using the concept of financing by venture capital. In addition, a guarantee agreement can be executed if Investee Company did not carry out obligations. This research aims to examine and analyze the essence of venture capital as an alternative financing mentorship and partnership based. In addition, it examines the position of collateral in financing venture capital. This study uses a normative juridical approach with descriptive analytical research specifications and qualitative juridical analysis. The initial concept financing of venture capital as equity participation that using mentorship and...

Research paper thumbnail of Implementasi Penyaluran Kredit Mikro Dalam Pojk Nomor 19/POJK.03/2014 Tentang Layanan Keuangan Tanpa Kantor (Laku Pandai) DI Sektor Perbankan Guna Mewujudkan Keuangan Inklusif

Jurnal Bisnis Manajemen dan Ekonomi, 2019

atau yang lebih dikenal dengan UMKM mempunyai peranan yang strategis dalam pembangunan ekonomi do... more atau yang lebih dikenal dengan UMKM mempunyai peranan yang strategis dalam pembangunan ekonomi domestik, karena terbukti berhasil menyumbang angka yang besar terhadap PDB. Menyerap banyak tenaga kerja dan berperan dalam pertumbuhan ekonomi daerah karena lokasinya yang tersebar hingga ke pelosok daerah. POJK Nomor 19/POJK.03/2014 tentang Layanan Keuangan Tanpa Kantor telah disahkan sejak tahun 2014 untuk salahs atunya mendukung perkembangan UMKM dari segi permodalan yang merupakan salah satu kendala perkembangan UMKM di pelosok daerah saat ini, namun hingga saat ini tahun kelima POJK Laku Pandai berjalan, OJK mengklaim penyaluran kredit mikro ini belum optimal. Hal ini berimplikasi kepada belum terpenuhinya target Keuangan Inklusif di Indonesia yang menetapkan UMKM menjadi salah satu sasaran utama dalam Strategi Nasional Keuangan Inklusif. Tujuan dari penelitian ini adalah mengetahui implementasi POJK Nomor 19/POJK.03/2014 tentang Layanan Keuangan Tanpa Kantor dalam hal penyaluran kredit mikro sehingga diharapkan dapat mengubah pandangan masyarakat bahwa Laku Pandai bukan hanya sebatas layanan simpanan, pembayaran atau bertransaksi namun lebih dari itu, Laku Pandai jika dikelola dengan tepat juga mampu menjadi pionir keuangan inklusif bagi UMKM di Indonesia dan masyarakat secara umum. Metode penelitian yang digunakan penulis adalah yuridis normatif. Hasil penelitian adalah minimnya penyaluran kredit mikro Laku Pandai disebabkan oleh minimnya edukasi Agen dan UMKM masih belum memenuhi kriteria penilaian pengajuan kredit, karena Bank tetap harus memperhatikan prinsip kehati-hatian sebagaimana amanat Pasal 8 Undang-Undang Perbankan.

Research paper thumbnail of Integrated Alternative Dispute Resolution Institutions in the Financial Services Sector: Dispute Resolution Efforts in Consumer Protection Framework

Yustisia Jurnal Hukum

This study examines and analyzes the legal implications of strengthening the integrated Alternati... more This study examines and analyzes the legal implications of strengthening the integrated Alternative Dispute Resolution Institutions in the Financial Services Sector regulations. This study applies a normative juridical approach with descriptive-analytical research specifications. The data are analyzed using qualitative juridical analysis. Results show that: an Integrated Alternative Dispute Resolution Institutions in the Financial Services Sector is a dispute resolution institution that is in accordance with the characteristics of the financial services sector as an agent of trust and prioritizes consumer protection. It is expected that consumer dispute resolution is faster, cheaper, and fairer for both Business Actors and the consumers; strengthening of regulations on integrated ADR Institutions in the Financial Services Sector aims to create independent, fair, effective, and efficient dispute resolution capable of anticipating developments in the financial services sector that are...

Research paper thumbnail of Green Loan Banks Policy to Provide Environment Friendly Project

Diponegoro Law Review

Banks have an important role in realizing SDGs, therefore the Bank must continue to develop its p... more Banks have an important role in realizing SDGs, therefore the Bank must continue to develop its products and services to be directed towards sustainable economic activities and not too exploring resources. Based on The Appendix of the President Decree No. 59/2017 the Indonesian government directed the global target of economies inclusive regarding the participation of the financial services sector. The Banks will support the priority economic sectors development such as agriculture, processing industries, and infrastructure, Micro, Small, Medium Enterprises and Energy. Banks can participate by using a green loan policy. This research is a normative legal research, which focuses on examining the application of the rules or norms in positive law. The result is the Banks play a key role in society, banks have purpose to help develop sustainable economies and to empower people to build better futures. When banks will give a credit to those who have a business that has a direct impact to...

Research paper thumbnail of Kepastian Hukum Dalam Penyelenggaraan Layanan Dompet Elektronik Dalam Sistem Pembayaran Dikaitkan Dengan Prinsip Lancar, Aman, Efisien, Dan Andal Berdasarkan PBI Nomor 20/6/PBI/2018 Tentang Uang Elektronik

Jurnal Jurisprudence

Penelitian ini bertujuan untuk mengetahui penerapan prinsip efisien, lancar, aman, dan andal sert... more Penelitian ini bertujuan untuk mengetahui penerapan prinsip efisien, lancar, aman, dan andal serta mengetahui penerapan aspek kepastian hukum dalam penyelenggaraan dompet elektronik ditinjau

Research paper thumbnail of Alternatif Penyelesaian Sengketa Yang Efektif, Efisien Dan Berkeadilan Bagi Perbankan Syariah

Vol. 20 No 2 Oktober 2019

Effective sharia banking resolution is one of the efforts to maintain public trust in Sharia Bank... more Effective sharia banking resolution is one of the efforts to maintain public trust in Sharia Bank. Sharia Banking activities are based on the prudential banking principle, economic democracy and sharia principles. The characteristics of Islamic Banking are promoting balance, justice and sustainability to achieve the goal of creating community welfare. Based on analysis of regulations governing Sharia Banking dispute resolution, disputes ca be resolved through alternative dispute resolution or Religious Courts. Mediation is dispute settlement based on goodwill and the wishes of the parties with the help of mediator, resulting in a fair and in accordance with the wishes of the parties. Mediation emphasizes a balance position between the parties in reaching an agreement, so that the goal of achieving justice will be achieved. In line with the characteristics of Sharia banking the mediation will be effective if carried out in with applicable procedures as stipulated in LAPSPI Regulation...

Research paper thumbnail of Investor Protection Through Exchange Transaction Settlement Guarantee And Investor Protection Fund

Trunojoyo Law Review

Certainty and investors legal protection is the key to the success of capital market as financing... more Certainty and investors legal protection is the key to the success of capital market as financing and investment alternatives. To fulfill the international standards, Indonesia capital market regulation regulates the status of Clearing and Underwriter Institutions organized by Indonesian Clearing and Guarantee Corporation (KPEI) and serves to guarantee transactions settlement in Exchange as well as managing the Guarantee Fund. Other investor protection organized by the Indonesia Securities Investor Protection Fund (SIPF) formed to protect the assets of investors who lost and manage the Investor Protection Fund. This study aims to examine the position of KPEI as guaranteeing institution for the settlement of Exchange transactions to prevent settlement failures that can have systemic impacts, including how to optimize the management of Guarantee Funds. In addition, it was also examined how Indonesia SIPF could manage the Investor Protection Fund optimally in order to provide maximum protection. The method used is normative juridical with descriptive analytical research specifications. Data analysis used is qualitative juridical. Based on the results, KPEI is financial market infrastructure to prevent failure of potentially systemic transactions. Therefore, KPEI can be included as systemic financial institution. Either management of the Guarantee Fund by KPEI or Investor Protection Fund management by SIPF can use the trust concept to be able to increase the Guarantee Fund and Investor Protection Fund so that the guarantee of Exchange transaction settlement and investor protection is more certain and optimal.

Research paper thumbnail of Perkembangan Regulasi Pranata Jaminan Saham Tanpa Warkat (Scripless) Sebagai Objek Transaksi DI Pasar Modal

JUSTITIA JURNAL HUKUM

Salah satu unsur dalam analisa pemberian kredit atau pembiayaan baik yang disediakan oleh perbank... more Salah satu unsur dalam analisa pemberian kredit atau pembiayaan baik yang disediakan oleh perbankan maupun perusahaan pembiayaan adalah ketersediaan agunan (collateral), khususnya jaminan kebendaan. Saham yang diperdagangkan di pasar modal melalui sistem perdagangan tanpa warkat (scripless trading system) merupakan surat berharga yang dapat dijadikan objek jaminan guna memperoleh kredit atau pembiayaan. Di sisi lain, penjaminan saham tanpa warkat tetap harus patuh pada prinsip kehati-hatian bank (prudential banking principle) dan memperhatikan tujuan perdagangan di Bursa Efek. Permasalahan hukum yang hendak dikaji dan dianalisa dalam tulisan ini adalah pranata jaminan apa yang tepat bagi saham tanpa warkat (scripless) dilihat dari sisi kepentingan kreditur Bank dan sistem perdagangan di pasar modal? Penelitian ini bersifat deskriptif analitis dengan menggunakan pendekatan yuridis normatif, selanjutnya data dianalisis dengan menggunakan analisis data yuridis kualitatif. Berdasarkan p...

Research paper thumbnail of Digital Assets: The Idea of Indonesian Property Law Reform and Its Potential as a Collateral Object

Hasanuddin Law Review

Digital assets in the broadest sense can be interpreted to cover all electronic assets including ... more Digital assets in the broadest sense can be interpreted to cover all electronic assets including social media accounts. Nowadays, besides being used to interaction, social media accounts can also be utilized to gain income or material benefits. In addition, social media accounts are generally handled by influencers with abundant followers. One of the social media used by influencers on the internet is YouTube. The social media actors on YouTube are referred to as YouTubers or content creators. This research is a normative juridical legal research with the descriptive method of analysis. The result of the study shows that YouTube accounts as digital assets in practice can be used as assets in business activities. This is proven by the existence of a YouTuber or content creator who sells his account for charity or commercial purposes. In the future, YouTube accounts can potentially be a digital asset that can be used as a collateral object due to its economic value. Nevertheless, base...

Research paper thumbnail of Perkembangan Hukum Sektor Jasa Keuangan Dalam Upaya Percepatan Pertumbuhan Ekonomi Nasional

Indonesia’s financial services sector shows a rapid development in line with changes in the regio... more Indonesia’s financial services sector shows a rapid development in line with changes in the regional and global sector. Taking a role in promoting the acceleration of national economic growth, financial services sector is directed to optimally play a role in stability of the financial system as a foundation for sustainable development, and realizing the financial independence of the community and supporting efforts to increase equity in Development (inclusive). This research uses normative juridical approach with analytical descriptive research specification. Data were analyzed by qualitative juridical. Based on the results of the research, the regulation in the financial services sector is growing rapidly as a result of regional and global demands, especially facing the ASEAN Banking Integration Framework (ABIF). Legal developments in the financial services sector are reflected in regulatory changes on institutional, service and product aspects as well as dispute resolution. There ...

Research paper thumbnail of Percepatan Pertumbuhan Perbankan Syariah Melalui Implementasi Tata Kelola Syariah

Law and Justice

Pertumbuhan industri perbankan syariah Indonesia menunjukkan grafik meningkat, walaupun mengalam... more Pertumbuhan industri perbankan syariah Indonesia menunjukkan grafik meningkat, walaupun mengalami perlambatan. Data yang dipublikasi oleh OJK menunjukkan bahwa perbankan syariah nasional berkontribusi sebesar 4.81 % terhadap market share dengan pertumbuhan assets mencapat 11.97 % per Juni 2016. Di tataran global, sektor jasa keuangan syariah termasuk perbankan, menguasai 3 % dan bersama sama dengan Qatar, Arab Saudi, Malaysia, Uni Emirat Arab dan Turki menjadi kekuatan pendorong keuangan syariah di masa depan. Salah satu isu startegis yang menjadi hambatan adalah mispersepsi masyarakat terhadap perbankan syariah baik mengenai akad, produk dan layanan yang belum patuh terhadap prinsip syariah. Implementasi tatakelola merupakan upaya untuk mempercepat pertumbuhan perbankan syariah.Keywords : Perbankan syariah- tata kelola- percepatan pertumbuhan.

Research paper thumbnail of Msme Empowerment Policy Strategy in Order to Do Accelerating of the Development Financial Services Ecosystem

Rechtidee

The post-Covid-19 National Economic Recovery (PEN) is carried out through the synergy of the Gove... more The post-Covid-19 National Economic Recovery (PEN) is carried out through the synergy of the Government's policies with the Financial Services Authority (OJK), one of which is regarding financing for the Priority Economic Sector, namely MSMEs. The government issued a PEN policy in order to protect, maintain and improve the economic capacity of business actors during the pandemic. On the other hand, OJK is committed to encouraging the development of MSMEs so that they become a buffer for the economy. OJK's steps are committed to maintaining financial system stability. In implementing the policy, of course, there will be challenges and obstacles, therefore the legal issue that will be studied is how the policy strategy can be applied in terms of developing MSMEs in order to realize a financial services ecosystem. The research method used is a normative juridical approach using secondary data in the form of primary legal materials, namely legislation, secondary legal materials,...

Research paper thumbnail of Legal Perspective: The Role of Infrastructure Guarantee Institution in Infrastructure Project Provision Through Public-Private Partnership Scheme

Journal of Private and Commercial Law

Infrastructure development is a strategic step for Indonesia to accelerate national development a... more Infrastructure development is a strategic step for Indonesia to accelerate national development and economic equality. One of the efforts to attract investment is a partnership between the Government and Business Entities in the infrastructure provision. The large source of funding is one of the obstacles in infrastructure development and to overcome the funding gap in infrastructure development, a new financing scheme is used that involved new partners (private, non-profit organization, or the community) to participate in infrastructure financing and project implementation. The involvement of the Business Entity in infrastructure financing is carried out with the Public-Private Partnership (PPP) scheme. One of the Government's contributions to PPP is to provide Government Guarantees through Indonesia Infrastructure Guarantee Fund (IIGF). This study aims to examine the role of IIGF in the Public and how it functions to encourage the acceleration of infrastructure development. Th...

Research paper thumbnail of Penyalahgunaan Dana Deposito Milik Nasabah Ditinjau Dari Ketentuan Hukum Perbankan Syariah

Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah

Islamic banks in carrying out their business activities are very likely to be faced with a disput... more Islamic banks in carrying out their business activities are very likely to be faced with a dispute involving customers and the Islamic bank itself. Not infrequently these disputes arise due to the actions of employees of Islamic banks. This study aims to examine the competence in sharia banking dispute resolution and legal considerations in the Supreme Court Decision No. 2454k/pdt/2019 is related to the legal provisions of Islamic banking. This study uses a qualitative method with a normative juridical approach as well as a descriptive analytical research specification. The results of the study indicate that the absolute competence of sharia banking dispute resolution only exists in the Religious Courts. In addition, BRI Syariah Bank's liability for compensation to customers is a form of taking over the responsibilities of employees by the bank as regulated in Article 1367 of the Civil Code. The compensation is based on the principle of prudence, risk management of Islamic banks...

Research paper thumbnail of Analisis Peraturan Penggunaan QRIS Sebagai Kanal Pembayaran Pada Praktik UMKM Dalam Rangka Mendorong Perkembangan Ekonomi Digital

Acta Comitas

The purpose of this study is to analyze the Regulation of the Use of QRIS as an innovation of Ba... more The purpose of this study is to analyze the Regulation of the Use of QRIS as an innovation of Bank Indonesia in the payment system and to know its Policy Implementation in business development or MSME activities as an effort to accelerate the development of the digital economy. The research method used is normative juridical research method as well as legal history, with descriptive analytical specifications. Data collection from this study is assisted by the method of document study and interview which is then analyzed qualitatively. Based on the results of this study, it was obtained that the implementation of QRIS based on existing regulations through PADG has not been optimal and comprehensive, then further regulations are needed to regulate the problem of digital economic innovation that can reach QRIS users to even the smallest sectors, such as PBI. Thus, MSMEs can help play a role in creating inclusive finance so as to encourage the development of the digital economy in Indo...

Research paper thumbnail of Upaya Meningkatkan Likuiditas Transaksi Bursa dan Pertumbuhan Pasar Modal Melalui Pendanaan Transaksi Efek

Jurnal Jurisprudence

Tujuan: Salah satu hambatan untuk meningkatkan likuiditas transaksi Bursa adalah keterbatasan sum... more Tujuan: Salah satu hambatan untuk meningkatkan likuiditas transaksi Bursa adalah keterbatasan sumber dana bagi Anggota Bursa untuk memfasilitasi pendanaan transaksi Efek. Kehadiran Lembaga Pendanaan Efek (LPE) diharapkan dapat menjadi solusi untuk mengatasi keterbatasan pendanaan tersebut. Penelitian ini bertujuan untuk mengkaji keberadaan LPE dari perpektif hukum, khususnya aspek hukum perjanjian dan hukum jaminan. Metode Penelitian: Kajian dilakukan dengan menggunakan pendekatan yuridis normatif yang menitikberatkan pada studi literatur dan peraturan perundangundangan terkait likuiditas transaksi bursa dan pertumbuhan pasar modal melalui pendanaan transaksi efek. Temuan: Berdasarkan kajian diperoleh hasil bahwa LPE dibentuk untuk mengatasi keterbatasan pendanaan dalam meningkatkan likuiditas transaksi dalam rangka mendorong pertumbuhan pasar modal. Kegunaan: Hasil penelitian ini dapat digunakan sebagai bahan atau literatur dalam mengembangkan regulasi di pasar modal. Kebaruan/Orisinalitas: Aspek hukum jaminan dalam pendanaan transaksi Efek masih memerlukan kajian lebih lanjut, mengingat POJK LPE tidak secara tegas menyebutkan pranata jaminan yang digunakan, namun mengingat objek jaminan adalah Efek atau dana, dapat disimpulkan jaminan yang digunakan adalah gadai. Namun demikian, terdapat beberapa ketentuan dalam POJK yang perlu disesuaikan dengan pengaturan gadai dalam KUHPerdata.

Research paper thumbnail of Banks Contribution to Promote Indonesian Financial Inclusion

Proceedings of the 1st Borobudur International Symposium on Humanities, Economics and Social Sciences (BIS-HESS 2019), 2020

The Micro Small Medium Enterprise (MSME) sector in several other countries is considered to be ab... more The Micro Small Medium Enterprise (MSME) sector in several other countries is considered to be able to overcome unemployment, supporting the community to be able to prioritize entrepreneurship in order to create a sustainable business and even better if from the development of MSME businesses also can create job field. Banks as an intermediary institution can reduce the unemployment rate and can promote the economic growth. This research is conducted by normative juridical research method, which is focused on the examining the application of the rules or norms in positive law. The purpose of this study is to provide recommendations for improving financial inclusion in Indonesia. Result of this study is the financial inclusion allows people to save for family needs, borrow to support a business, or build a cushion against emergencies. Having access to financial services is an important step to reduce poverty and inequality. So, branchless banking is one of an alternative method to extend the distribution channel of financial products, offering an integrated distribution model that facilities consumer access to financial services

Research paper thumbnail of Implementing Sustainable Finance Principles: Legal Implications of Ease of Doing Business Towards Banking Credit Approval

Jurnal Komunikasi Hukum (JKH), 2021

The application of licenses based on commitments as a part of ease of doing business has shifted ... more The application of licenses based on commitments as a part of ease of doing business has shifted the obligations present for business actors. One of the forms of said change is the absence of an obligation to conduct EIAs as a basic requirement to acquire a business license. This could boost investment within Indonesia, on the other hand, it also has the potential to prompt legal risks that is the revocation of business licenses towards actors that had failed to fulfill business license commitments under GR OSS. This provision impacts the application of the principle of sustainable financing. With the requirement of EIAs as a fulfillment towards the commitments that are prerequisite of business licenses in the OSS GR, banks gain the challenge of adjusting their approach towards the gaining of profits from long term investments depends on a sustainable future, specifically in the administering of credits by banks. the article aims to analyze the legal implications of changing regulat...

Research paper thumbnail of The Urgency of Strengthening Appraisal Regulations to Realize a Legal Protection for Appraiser

Jurnal Media Hukum, 2019

The research describes the position and responsibility of Appraisers in assessing collateral for ... more The research describes the position and responsibility of Appraisers in assessing collateral for loan and finance, that in practice, often requires Appraisers' administrative, civil, and criminal responsibilities. The article uses a multi-interdisciplinary approach by applying status, comparative, and case study. The results show that a key for legal protection for appraiser comes from a legal relationship between an Appraiser and a Bank. The assessment of collateral for bank loan and financing, arises from collateral appraisal cooperation agreements; and from the legal provisions, including Regulation of the Ministry of Finance on Public Appraisal and the other related Laws. Furthermore, Legal responsibility of Appraiser's mistakes in appraising will be an administrative and civil sanctions. To provide legal certainty and legal protection for the Appraisal profession requires a strengthening of regulations by the issuance of Law on Public Appraisers such as other supporting professions, namely Public Notary, Legal Consultant, and Public Accountant.

Research paper thumbnail of Bail-In Dan Interconnectedness: Isu Hukum Strategis Dalam Pencegahan Dan Penanganan Krisis Sistem Keuangan

Masalah-Masalah Hukum, 2019

Undang-Undang No. 9 Tahun 2016 tentang Pencegahan dan Penanganan Krisis Sistem Keuangan mengatur ... more Undang-Undang No. 9 Tahun 2016 tentang Pencegahan dan Penanganan Krisis Sistem Keuangan mengatur prinsip-prinsip dalam pencegahan dan penanganan krisis sistem keuangan yang tidak diatur sebelumnya. Oleh karena itu, penelitian ini menganalisis implementasi prinsip bail in dan interconnectedness dalam pencegahan dan penanganan krisis sistem keuangan. Metode pendekatan yang digunakan adalah yuridis normatif dengan spesifikasi penelitian bersifat deskriptif analitis, dan data dianalisis secara yuridis kualitatif. Berdasarkan penelitian diperoleh hasil bahwa implementasi bail-in dalam penanganan bank sistemik dilakukan dengan mengoptimalkan kemampuan bank baik melalui penambahan modal (capital surcharge) maupun pengubahan utang atau investasi menjadi penyertaan (debt to equity swap). Saling keterkaitan (interconnectedness) antara sektor jasa keuangan menuntut adanya kebijakan makroprudensial yang bersifat melengkapi kebijakan mikroprudensial dan pengawasan sektor jasa keuangan yang ter...

Research paper thumbnail of Venture Capital Regulation Reform: Revitalization of Venture Capital as an Alternatives Financing Mentorship and Partnership Based

Journal of Private and Commercial Law, 2019

The growth of Venture Capital Company (PMV) in Indonesia is progressive although not significant.... more The growth of Venture Capital Company (PMV) in Indonesia is progressive although not significant. The Characteristics of Venture Capital, which is temporary in equity participation, caused venture capital financing is being highly risky financing. To anticipate this risk, PMVseeks the Investee Company (PPU) as a partner who is obliged to return capital. This is to secure this investment by using the concept of financing by venture capital. In addition, a guarantee agreement can be executed if Investee Company did not carry out obligations. This research aims to examine and analyze the essence of venture capital as an alternative financing mentorship and partnership based. In addition, it examines the position of collateral in financing venture capital. This study uses a normative juridical approach with descriptive analytical research specifications and qualitative juridical analysis. The initial concept financing of venture capital as equity participation that using mentorship and...

Research paper thumbnail of Implementasi Penyaluran Kredit Mikro Dalam Pojk Nomor 19/POJK.03/2014 Tentang Layanan Keuangan Tanpa Kantor (Laku Pandai) DI Sektor Perbankan Guna Mewujudkan Keuangan Inklusif

Jurnal Bisnis Manajemen dan Ekonomi, 2019

atau yang lebih dikenal dengan UMKM mempunyai peranan yang strategis dalam pembangunan ekonomi do... more atau yang lebih dikenal dengan UMKM mempunyai peranan yang strategis dalam pembangunan ekonomi domestik, karena terbukti berhasil menyumbang angka yang besar terhadap PDB. Menyerap banyak tenaga kerja dan berperan dalam pertumbuhan ekonomi daerah karena lokasinya yang tersebar hingga ke pelosok daerah. POJK Nomor 19/POJK.03/2014 tentang Layanan Keuangan Tanpa Kantor telah disahkan sejak tahun 2014 untuk salahs atunya mendukung perkembangan UMKM dari segi permodalan yang merupakan salah satu kendala perkembangan UMKM di pelosok daerah saat ini, namun hingga saat ini tahun kelima POJK Laku Pandai berjalan, OJK mengklaim penyaluran kredit mikro ini belum optimal. Hal ini berimplikasi kepada belum terpenuhinya target Keuangan Inklusif di Indonesia yang menetapkan UMKM menjadi salah satu sasaran utama dalam Strategi Nasional Keuangan Inklusif. Tujuan dari penelitian ini adalah mengetahui implementasi POJK Nomor 19/POJK.03/2014 tentang Layanan Keuangan Tanpa Kantor dalam hal penyaluran kredit mikro sehingga diharapkan dapat mengubah pandangan masyarakat bahwa Laku Pandai bukan hanya sebatas layanan simpanan, pembayaran atau bertransaksi namun lebih dari itu, Laku Pandai jika dikelola dengan tepat juga mampu menjadi pionir keuangan inklusif bagi UMKM di Indonesia dan masyarakat secara umum. Metode penelitian yang digunakan penulis adalah yuridis normatif. Hasil penelitian adalah minimnya penyaluran kredit mikro Laku Pandai disebabkan oleh minimnya edukasi Agen dan UMKM masih belum memenuhi kriteria penilaian pengajuan kredit, karena Bank tetap harus memperhatikan prinsip kehati-hatian sebagaimana amanat Pasal 8 Undang-Undang Perbankan.

Research paper thumbnail of Integrated Alternative Dispute Resolution Institutions in the Financial Services Sector: Dispute Resolution Efforts in Consumer Protection Framework

Yustisia Jurnal Hukum

This study examines and analyzes the legal implications of strengthening the integrated Alternati... more This study examines and analyzes the legal implications of strengthening the integrated Alternative Dispute Resolution Institutions in the Financial Services Sector regulations. This study applies a normative juridical approach with descriptive-analytical research specifications. The data are analyzed using qualitative juridical analysis. Results show that: an Integrated Alternative Dispute Resolution Institutions in the Financial Services Sector is a dispute resolution institution that is in accordance with the characteristics of the financial services sector as an agent of trust and prioritizes consumer protection. It is expected that consumer dispute resolution is faster, cheaper, and fairer for both Business Actors and the consumers; strengthening of regulations on integrated ADR Institutions in the Financial Services Sector aims to create independent, fair, effective, and efficient dispute resolution capable of anticipating developments in the financial services sector that are...

Research paper thumbnail of Green Loan Banks Policy to Provide Environment Friendly Project

Diponegoro Law Review

Banks have an important role in realizing SDGs, therefore the Bank must continue to develop its p... more Banks have an important role in realizing SDGs, therefore the Bank must continue to develop its products and services to be directed towards sustainable economic activities and not too exploring resources. Based on The Appendix of the President Decree No. 59/2017 the Indonesian government directed the global target of economies inclusive regarding the participation of the financial services sector. The Banks will support the priority economic sectors development such as agriculture, processing industries, and infrastructure, Micro, Small, Medium Enterprises and Energy. Banks can participate by using a green loan policy. This research is a normative legal research, which focuses on examining the application of the rules or norms in positive law. The result is the Banks play a key role in society, banks have purpose to help develop sustainable economies and to empower people to build better futures. When banks will give a credit to those who have a business that has a direct impact to...

Research paper thumbnail of Kepastian Hukum Dalam Penyelenggaraan Layanan Dompet Elektronik Dalam Sistem Pembayaran Dikaitkan Dengan Prinsip Lancar, Aman, Efisien, Dan Andal Berdasarkan PBI Nomor 20/6/PBI/2018 Tentang Uang Elektronik

Jurnal Jurisprudence

Penelitian ini bertujuan untuk mengetahui penerapan prinsip efisien, lancar, aman, dan andal sert... more Penelitian ini bertujuan untuk mengetahui penerapan prinsip efisien, lancar, aman, dan andal serta mengetahui penerapan aspek kepastian hukum dalam penyelenggaraan dompet elektronik ditinjau

Research paper thumbnail of Alternatif Penyelesaian Sengketa Yang Efektif, Efisien Dan Berkeadilan Bagi Perbankan Syariah

Vol. 20 No 2 Oktober 2019

Effective sharia banking resolution is one of the efforts to maintain public trust in Sharia Bank... more Effective sharia banking resolution is one of the efforts to maintain public trust in Sharia Bank. Sharia Banking activities are based on the prudential banking principle, economic democracy and sharia principles. The characteristics of Islamic Banking are promoting balance, justice and sustainability to achieve the goal of creating community welfare. Based on analysis of regulations governing Sharia Banking dispute resolution, disputes ca be resolved through alternative dispute resolution or Religious Courts. Mediation is dispute settlement based on goodwill and the wishes of the parties with the help of mediator, resulting in a fair and in accordance with the wishes of the parties. Mediation emphasizes a balance position between the parties in reaching an agreement, so that the goal of achieving justice will be achieved. In line with the characteristics of Sharia banking the mediation will be effective if carried out in with applicable procedures as stipulated in LAPSPI Regulation...

Research paper thumbnail of Investor Protection Through Exchange Transaction Settlement Guarantee And Investor Protection Fund

Trunojoyo Law Review

Certainty and investors legal protection is the key to the success of capital market as financing... more Certainty and investors legal protection is the key to the success of capital market as financing and investment alternatives. To fulfill the international standards, Indonesia capital market regulation regulates the status of Clearing and Underwriter Institutions organized by Indonesian Clearing and Guarantee Corporation (KPEI) and serves to guarantee transactions settlement in Exchange as well as managing the Guarantee Fund. Other investor protection organized by the Indonesia Securities Investor Protection Fund (SIPF) formed to protect the assets of investors who lost and manage the Investor Protection Fund. This study aims to examine the position of KPEI as guaranteeing institution for the settlement of Exchange transactions to prevent settlement failures that can have systemic impacts, including how to optimize the management of Guarantee Funds. In addition, it was also examined how Indonesia SIPF could manage the Investor Protection Fund optimally in order to provide maximum protection. The method used is normative juridical with descriptive analytical research specifications. Data analysis used is qualitative juridical. Based on the results, KPEI is financial market infrastructure to prevent failure of potentially systemic transactions. Therefore, KPEI can be included as systemic financial institution. Either management of the Guarantee Fund by KPEI or Investor Protection Fund management by SIPF can use the trust concept to be able to increase the Guarantee Fund and Investor Protection Fund so that the guarantee of Exchange transaction settlement and investor protection is more certain and optimal.

Research paper thumbnail of Perkembangan Regulasi Pranata Jaminan Saham Tanpa Warkat (Scripless) Sebagai Objek Transaksi DI Pasar Modal

JUSTITIA JURNAL HUKUM

Salah satu unsur dalam analisa pemberian kredit atau pembiayaan baik yang disediakan oleh perbank... more Salah satu unsur dalam analisa pemberian kredit atau pembiayaan baik yang disediakan oleh perbankan maupun perusahaan pembiayaan adalah ketersediaan agunan (collateral), khususnya jaminan kebendaan. Saham yang diperdagangkan di pasar modal melalui sistem perdagangan tanpa warkat (scripless trading system) merupakan surat berharga yang dapat dijadikan objek jaminan guna memperoleh kredit atau pembiayaan. Di sisi lain, penjaminan saham tanpa warkat tetap harus patuh pada prinsip kehati-hatian bank (prudential banking principle) dan memperhatikan tujuan perdagangan di Bursa Efek. Permasalahan hukum yang hendak dikaji dan dianalisa dalam tulisan ini adalah pranata jaminan apa yang tepat bagi saham tanpa warkat (scripless) dilihat dari sisi kepentingan kreditur Bank dan sistem perdagangan di pasar modal? Penelitian ini bersifat deskriptif analitis dengan menggunakan pendekatan yuridis normatif, selanjutnya data dianalisis dengan menggunakan analisis data yuridis kualitatif. Berdasarkan p...

Research paper thumbnail of Digital Assets: The Idea of Indonesian Property Law Reform and Its Potential as a Collateral Object

Hasanuddin Law Review

Digital assets in the broadest sense can be interpreted to cover all electronic assets including ... more Digital assets in the broadest sense can be interpreted to cover all electronic assets including social media accounts. Nowadays, besides being used to interaction, social media accounts can also be utilized to gain income or material benefits. In addition, social media accounts are generally handled by influencers with abundant followers. One of the social media used by influencers on the internet is YouTube. The social media actors on YouTube are referred to as YouTubers or content creators. This research is a normative juridical legal research with the descriptive method of analysis. The result of the study shows that YouTube accounts as digital assets in practice can be used as assets in business activities. This is proven by the existence of a YouTuber or content creator who sells his account for charity or commercial purposes. In the future, YouTube accounts can potentially be a digital asset that can be used as a collateral object due to its economic value. Nevertheless, base...

Research paper thumbnail of Perkembangan Hukum Sektor Jasa Keuangan Dalam Upaya Percepatan Pertumbuhan Ekonomi Nasional

Indonesia’s financial services sector shows a rapid development in line with changes in the regio... more Indonesia’s financial services sector shows a rapid development in line with changes in the regional and global sector. Taking a role in promoting the acceleration of national economic growth, financial services sector is directed to optimally play a role in stability of the financial system as a foundation for sustainable development, and realizing the financial independence of the community and supporting efforts to increase equity in Development (inclusive). This research uses normative juridical approach with analytical descriptive research specification. Data were analyzed by qualitative juridical. Based on the results of the research, the regulation in the financial services sector is growing rapidly as a result of regional and global demands, especially facing the ASEAN Banking Integration Framework (ABIF). Legal developments in the financial services sector are reflected in regulatory changes on institutional, service and product aspects as well as dispute resolution. There ...

Research paper thumbnail of Percepatan Pertumbuhan Perbankan Syariah Melalui Implementasi Tata Kelola Syariah

Law and Justice

Pertumbuhan industri perbankan syariah Indonesia menunjukkan grafik meningkat, walaupun mengalam... more Pertumbuhan industri perbankan syariah Indonesia menunjukkan grafik meningkat, walaupun mengalami perlambatan. Data yang dipublikasi oleh OJK menunjukkan bahwa perbankan syariah nasional berkontribusi sebesar 4.81 % terhadap market share dengan pertumbuhan assets mencapat 11.97 % per Juni 2016. Di tataran global, sektor jasa keuangan syariah termasuk perbankan, menguasai 3 % dan bersama sama dengan Qatar, Arab Saudi, Malaysia, Uni Emirat Arab dan Turki menjadi kekuatan pendorong keuangan syariah di masa depan. Salah satu isu startegis yang menjadi hambatan adalah mispersepsi masyarakat terhadap perbankan syariah baik mengenai akad, produk dan layanan yang belum patuh terhadap prinsip syariah. Implementasi tatakelola merupakan upaya untuk mempercepat pertumbuhan perbankan syariah.Keywords : Perbankan syariah- tata kelola- percepatan pertumbuhan.