scholarly journals PERLINDUNGAN KONSUMEN PENGGUNA JASA KEUANGAN NON BANK DALAM PERJANJIAN PEMBIAYAAN (CONTOH KASUS: PERUSAHAAN PEMBIAYAAN PT ADIRA FINANCE VS KONSUMEN)

2019 ◽  
Vol 2 (2) ◽  
pp. 713
Author(s):  
Maria Natasya Shelyn ◽  
A.M. Tri Anggraini
Keyword(s):  
Dispute Settlement ◽  
Legal Protection ◽  
Financial Service ◽  
Third Party ◽  
District Court ◽  
Service Users ◽  
Professional Certification ◽  
Legal Remedies ◽  
Finance Company ◽  
Alternative Dispute Settlement

At present, consumers can easily have a vehicle with various waivers such as loans with 0% interest, free administration fees, installments with a small down payment and so forth. However, this causes problems, especially when consumers cant continue installment payments which lead to the forced withdrawal of collateral. The problem that the writer raises is how is the responsibility of non-bank financial service business actors in the example of a financing agreement in PT Adira Finance, what is the form of legal protection for consumers of non-bank financial service users if there’s a loss? What legal remedies can consumers of non-bank financial service users do if there’s a loss? The author examines cases with normative research methods. The data obtained by the author is that the finance company may not withdraw collateral without a confiscation letter and  the third party who seized the collateral must not be arbitrary, must first obtain a certificate from the Professional Certification Institute. Consumers, as stated in the financing agreement of PT Adira Finance, can only settle disputes either by deliberation and consensus or if they are not able to successfully settle in a district court in the creditor's office area or outside the court through the Alternative Dispute Settlement Institution (LAPS) that has been established by OJK. According to the UUPK, the responsibility that can be given by business actors to the detriment of consumers in this case is compensation for money / goods / services worth the price

PERLINDUNGAN KONSUMEN PERUSAHAAN EFEK YANG MELAKUKAN PEMBELIAN SAHAM KORPORASI TERBUKA YANG DINYATAKAN MELAKUKAN TINDAK PIDANA KORUPSI

2019 ◽  
Vol 7 (2) ◽  
pp. 216
Author(s):  
Laras Ayu Sahita ◽  
Hudi Asrori
Keyword(s):  
Financial Services ◽  
Dispute Settlement ◽  
Listed Company ◽  
Legal Protection ◽  
Financial Service ◽  
Literature Study ◽  
Services Sector ◽  
Financial Services Sector ◽  
Service Businesses ◽  
Alternative Dispute Settlement

<p>Abstract<br />This article aims to determine about legal protection for consumers of securities companies that purchase shares of public listed company that committed acts of corruption. This article using a normative prespective<br />legal research with statue approach. Legal materials that used include primary and secondary legal material obtained by data collection techniques based on literature study with analysis techniques with deductive logic, explain a general thing then drawing it into more specific conclusions. The result of this study explains that there is a legal protection in the form of efforts that can be done by the investors as explained in the Chapter VI Article 28 through Article 30 of Law Number 21 of 2011 on Financial Services Authority (FSA) and also through the predetermined Internal Dispute (IDR) mechanism by FSA. If the mechanism unsuccessfully, then they can do an alternative dispute resolution through an Alternative Dispute Settlement Institution in the Financial Services Sector as regulated in POJK Number 1 / POJK.07 / 2013. As a customer, it is expected to find out more about their rights and obligations in the capital market sector before deciding to invest their funds through a securities company. FSA also needs to provide more education regarding the rights and obligations of financial service businesses and financial service consumers. In addition, it is expected that the FSA can have a greater role related to the protection of consumers and society.<br />Keywords: Protaction; Securities Companies; Consumers of Securities Companies.</p><p>Abstrak<br />Penulisan artikel ini bertujuan untuk mengetahui tentang perlindungan hukum bagi konsumen perusahaan efek yang melakukan pembelian saham korporasi terbuka yang dinyatakan melakukan tindak pidana korupsi. Metode yang digunakan adalah penelitian hukum normatif yang bersifat prespektif dengan menggunakan pendekatan perundang-undangan (statue approach). Jenis data yang digunakan berupa data primer dan sekunder yang diperoleh dengan teknik pengumpulan data berdasarkan studi kepustakaan dengan teknik analisis data dengan logika deduktif, yaitu  menjelaskan suatu hal yang bersifat umum kemudian menariknya menjadi kesimpulan yang lebih khusus. Hasil dari kajian ini adalah adanya perlindungan hukum berupa upaya yang dapat dilakukan oleh konsumen sebagaimana dijelaskan pada Bab VI Pasal 28 sampai dengan Pasal 30 Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan dan juga melalui mekanisme Standar Internal Dispute (IDR) yang telah ditentukan oleh OJK. Jika melalui mekanisme tersebut belum menemui titik terang maka dapat melakukan alternatif penyelesaian sengketa melalui Lembaga Alternatif Penyelesaian Sengketa di Sektor Jasa Keuangan sebagaimana diatur dalam POJK Nomor 1/ POJK.07/2013. Sebagai nasabah diharapkan untuk lebih mencari tahu kembali terkait hak-hak dan kewajibannya selaku nasabah di sektor pasar modal sebelum memutuskan untuk menginvestasikan dananya melalui perusahaan efek. OJK juga perlu memberikan edukasi lebih terkait hak dan kewajiban baik pelaku usaha jasa keuangan dan konsumen jasa keuangan, selain itu OJK diharapkan dapat memiliki peranan yang lebih besar lagi terkait dengan perlindungan konsumen dan masyarakat.<br />Kata kunci: Perlindungan; Perusahaan Efek; Konsumen Perusahaan Efek.</p>

scholarly journals DUALISME PENYELESAIAN SENGKETA KONSUMEN DI SEKTOR JASA KEUANGAN

2018 ◽  
Vol 1 (2) ◽  
pp. 481
Author(s):  
Andryawan Andryawan
Keyword(s):  
Dispute Resolution ◽  
Financial Services ◽  
Service Sector ◽  
Dispute Settlement ◽  
Financial Service ◽  
District Court ◽  
Financial Service Authority ◽  
Court Of Justice ◽  
Regulatory Law ◽  
Alternative Dispute Settlement

The estabilishment of alternative dispute settlement institutions in the financial service sector by financial services authorithy as if it wants to compete with the existence of consumer dispute settlement agency. The estabilishment institutions of alternative dispute settlement in the financial service sector on the basic of financial service authority regulatory law number 1 year 2014 on the financial service authority, while consumer dispute settlement agency formed by the law number 8 year 1999. Verdict generated by these two institutions are final and binding, however against the verdict institutions of alternative dispute settlement in the financial service sector cannot be impelemnted if the consumer does not accept the verdict, giving rise to the possibility for financial service businesses to submit district court (of justice). Another case with verdict of the consumer dispute settlement agency it can be objected in district court (of justice) by one of the parties does not accept the verdict. The prosecuting authority (competence) of the institutions of alternative dispute resolution financial service sector and consumer dispute resolution has not been regulation, so that dualism in handling consumer disputes settlement agency. This is evidenced by the many disputes between the consumer banking or non-banking and non-financial services businesses were marked by consumer dispute settlement agency. Therefore need for strict regulation regarding the authority or competence of an absolute judge of these two institutions and needs for improvement of the legislation to get around this legal weaknes shortcomings.

scholarly journals Perlindungan Hukum bagi Pekerja Dengan Perjanjian Kerja Tidak Tertulis pada Perusahaan Pemberi Kerja

2021 ◽  
Vol 2 (1) ◽  
pp. 158-162
Author(s):  
Robertus Berli Puryanto ◽  
I Nyoman Putu Budiartha ◽  
Ni Made Puspasutari Ujianti
Keyword(s):  
Research Method ◽  
Dispute Settlement ◽  
Industrial Relations ◽  
Legal Protection ◽  
Economic Activities ◽  
Legal Research ◽  
Work Relations ◽  
Legal Remedies ◽  
The Law ◽  
The Republic

Labor is something that is needed by an employing company in carrying out its economic activities. This can be seen in the constitutional arrangements of the Republic of Indonesia in Article 27 paragraph (2) of the 1945 Constitution of the Republic of Indonesia. In the implementation of the working relationship between workers and the employing company, there are several rights and obligations that must be fulfilled between the two parties. Because there are provisions regarding work agreements that are differentiated based on the form of the agreement, each worker has different rights where these rights must be guaranteed by the company based on law. From this, the problems that will be examined are legal protection for workers with an unwritten work agreement at the employing company, as well as legal remedies that can be taken by workers with an unwritten agreement in the event of a violation of rights by the company. The research method used is normative legal research, namely legal research conducted by examining existing library materials. By examining problems by looking at existing regulations, and describing problems that occur in practice or in everyday life in society. From the research conducted, it was found that legal protection for workers with an unwritten work agreement at the employing company is regulated based on Law Number 13 of 2003 concerning Manpower where the basis is that the applicable work agreement is an indefinite work agreement so that the rights obtained under the provisions of the law. Then efforts that can be made if there is a violation of the law in work relations is based on Law Number 20 of 2004 concerning Industrial Relations Dispute Settlement, namely in the form of Bipartite, Tripartite (Mediation, Consoliation and Arbitration) negotiations, as well as through Trials at the Industrial Relations Court.

scholarly journals PERLINDUNGAN HUKUM BAGI KREDITUR PEMEGANG HAK TANGGUNGAN TERHADAP SENGKETA AGUNAN YANG MENGAKIBATKAN BATALNYA PERJANJIAN KREDIT

2018 ◽  
Vol 1 (1) ◽  
pp. 26
Author(s):  
Fransisca Kusuma Aryani ◽  
Gunawan Djajaputra
Keyword(s):  
Legal Protection ◽  
Civil Code ◽  
The Other ◽  
Third Party ◽  
District Court ◽  
Good People ◽  
Warning Letter ◽  
The Law ◽  
Debt Repayment ◽  
Credit Agreement

The process of granting credit with the guarantee of Mortgage Rights experienced many obstacles, one of which is the cancellation of credit agreement due to a lawsuit from a third party. Examples of problems that will researchers take is a case between PT PNM as creditor and Erlinawati as a debtor. Erlinawati applied for credit to PT PNM and pledged SHM No. 1716 without her husband's agreement, Bagus Satriya. As time went by, Erlinawati could not fulfill its obligations as stipulated in the credit agreement, and then PT PNM sent a warning letter to Erlinawati. Good people who know the land and buildings of his property are used as a direct guarantee to file a lawsuit to the Blora District Court. The Blora District Court ruled that credit agreements and Deed of Mortgage Rights (APHT) are invalid and null and void. So far the legal protection for debtors who have sued from the other party on the guarantee given by the creditor has not been regulated specially in the legislation. The law only regulates bad debts and debt repayment through the execution process stipulated in the Law on Banking and Insurance Rights Act. Legal protection that creditor can use when obtaining a lawsuit from a third party is by using the general guarantees provided for in Articles 1131 and 1132 of the Civil Code.

PERLINDUNGAN HUKUM BAGI PEMEGANG LISENSI HAK CIPTA MENURUT UNDANG-UNDANG NOMOR 28 TAHUN 2014 TENTANG HAK CIPTA (Studi Putusan Nomor: 09/HKI.Hak Cipta/2014/ PN Niaga Jo Putusan M.A Nomor: 80 K/Pdt.Sus-Hki/2016)

2019 ◽  
Vol 7 (2) ◽  
pp. 265
Author(s):  
R. Adhitya Nugraha Triantoro ◽  
Hernawan Hadi
Keyword(s):  
Dispute Settlement ◽  
Research Result ◽  
Legal Protection ◽  
Technical Analysis ◽  
Sport Marketing ◽  
Preventive Effort ◽  
Alternative Dispute Settlement

<p>Abstract<br />This article is aims to determine theregulation of law protection for the copyright licensee and to know the form of legal protection for the copyright licensee in the case of Copyright dispute between PT. Inter Sport Marketing against PT. Bhavana Andalan Klating and Alila Villa Soori (Study of Decision Number: 09 / HKI.HAK CIPTA / 2014 / PN Niaga Jo Decision of M.A Number: 80 K / Pdt.Sus-Hki / 2016). This research is normative legaland applied using a statute approach and case approach.Legal materials  source used include the primary and secondary legal materials that using literature as a technique of  collecting legal material. Technical analysis is the method of deductive syllogism.Based on the research result and the session generated the conclusion which is,first point,The legal protection for the copyright licensee holder can be a preventive effort by recording the copyright license contained in the provisions of Article 83 of the Copyright Act and repressive efforts through alternative dispute settlement, arbitration or by court contained in the provisions of Article 95 of the Copyright Act. The second conclusion is PT. Inter Sport Marketing gets the legal protection for its rights through repressive efforts with filing a lawsuit in the Commercial Court and receives compensation.<br />Keywords : Legal Protection, Licencing, Copyrights</p><p> </p><p>Abstrak<br />Artikel ini bertujuan untuk mengetahui pengaturan perlindungan hukum bagi pemegang lisensi hak cipta dan untuk mengetahui bentuk perlindungan hukum bagi pemegang lisensi hak cipta dalam kasus perselisihan Hak Cipta antara PT. Inter Sport Marketing melawan PT. Bhavana Andalan Klating dan Alila Villa Soori (Studi Putusan Nomor: 09/HKI.HAK CIPTA/2014/ PN Niaga Jo Putusan M.A Nomor:  80 K/Pdt. Sus-Hki/2016). Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian hukum normatif dengan menggunakan pendekatan undang-undang dan pendekatan kasus. Sumber bahan hukum yang digunakan meliputi bahan hukum primer dan bahan hukum sekunder yang menggunakan metode studi pustaka sebagai pengumpulan bahan hukum. Teknik analisis yang digunakan adalah metode deduksi. Berdasarkan hasil penelitian dan pembahasan dihasilkan kesimpulan, yakni kesatu perlindungan hukum bagi pemegang lisensi hak cipta dapat berupa upaya preventif dengan pencatatan lisensi hak cipta yang terdapat dalam ketentuan Pasal 83 Undang-Undang Hak Cipta dan upaya represif melalui alternatif penyelesaian sengketa, arbitrase atau melalui pengadilan yang terdapat dalam ketentuan Pasal 95 Undang-Undang Hak Cipta. Kesimpulan kedua,yaitu PT. Inter Sport Marketing mendapatkan perlindungan hukum atas haknya melalui upaya represif dengan pengajuan gugatan di Pengadilan Niaga dan mendapatkan ganti kerugian. <br />Kata Kunci : Perlindungan Hukum, Lisensi, Hak Cipta</p>

scholarly journals LEGAL PROTECTION ON VIOLATIONS RELATED TO CONSUMER FINANCIAL SERVICES IN TRANSACTIONS THROUGH THE PHONE MEDIA (Study of Financial Services Authority Regulation Number 1/POJK.07/2013)

2021 ◽  
Vol 04 (07) ◽  
Author(s):  
Sejahtera Giovani ◽  
Keyword(s):  
Financial Services ◽  
Legal Protection ◽  
Secondary Data ◽  
Field Studies ◽  
Financial Service ◽  
Media Study ◽  
Descriptive Research ◽  
Legal Remedies ◽  
Testing Data ◽  
Legal Consequences

This study discusses the study and research on legal consequences, legal protection, and legal remedies that consumers can take in carrying out transactions at financial service institutions carried out by telephone and are associated with the Financial Services Authority Regulation Number: 1/POJK.07/2013. This research is analytical descriptive research that describes legal protection efforts for consumers of Financial Services Institutions for violations in telephone transactions, using a normative juridical approach, namely reviewing and testing data based on secondary data, in the form of literature studies and supported by field studies, namely document examination, and analysis. Interview.

scholarly journals Consumer Legal Protection Reviewed from Consumer Protection Law in Consumer Dispute Settlement through Litigation

2022 ◽  
Vol 9 (1) ◽  
pp. 161-166
Author(s):  
Muhammad Jarnawansyah ◽  
Reza Muhammad Rizqi
Keyword(s):  
Dispute Resolution ◽  
Consumer Protection ◽  
Dispute Settlement ◽  
Science And Technology ◽  
Legal Protection ◽  
The Other ◽  
Business People ◽  
Business Goals ◽  
Legal Remedies ◽  
The Law

There is a law called Law Number 8 of 1999 that deals with consumer protection. It says that disputes between consumers and business people can be settled through both litigation and non-litigation channels and that both types of channels can be used to do this. Using the courts to settle consumer disputes is a way to do this. This type of dispute resolution refers to the rules for general courts. So that consumers need to get help from the law to get their rights as consumers. Consumer protection is becoming more and more important as science and technology move faster and faster. This is because the speed of science and technology is what drives the productivity and efficiency of producers for the goods or services they make in order to reach their business goals. As a result of this, either directly or indirectly, the Consumers are the ones who feel the effects of these two things the most. In this case, the consumer protection law says that businesses must give legal protection to their customers, so this shows that businesses must do this. And legal remedies for resolving disputes between customers and business people in the event of a dispute can be used both in court and out of court. In order for a dispute to be resolved through litigation, one party has filed a lawsuit against the other party. However, non-litigation dispute resolution can be done in a number of ways, such as through negotiation, consolidation, mediation, arbitration, and so on. Keywords: Legal Protection, Consumers, Consumer Disputes, Litigation, Laws.

scholarly journals ANALISIS TANGGUNGJAWAB PELAKU USAHA TERKAIT PEMADAMAN LISTRIK DI DAERAH DKI JAKARTA OLEH PT PERUSAHAAN LISTRIK NEGARA (PERSERO) BERDASARKAN UNDANG-UNDANG REPUBLIK INDONESIA NOMOR 8 TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN

2019 ◽  
Vol 2 (2) ◽  
pp. 1354
Author(s):  
Sonya Sonya ◽  
A.M. Tri Anggraini
Keyword(s):  
Consumer Protection ◽  
Research Method ◽  
District Court ◽  
Service Users ◽  
The South ◽  
Power Outages ◽  
Power Outage ◽  
Court Judge ◽  
Legal Remedies ◽  
Harm To Others

Some time ago, precisely on August 4, 2019 there was a sudden power outage that occurred in the Jakarta area. Regarding this power outage, consumers from PT. PLN (Persero) has rights that need to be accounted for as producers. How is the responsibility of business actors related to power outages in the DKI Jakarta area by PT. PLN (Persero) based on Law Number 8 of 1999 Concerning Consumer Protection? What legal remedies can be taken by consumers of electricity service users? The research method that I use is Normative accompanied by interviews. The author analyzes that the South Jakarta District Court Judge should see and consider Article 1365 of the Civil Code which explains that every act that violates the law and brings harm to others, obliges the person who caused the loss due to his mistake to replace the loss from the explanation of article above that the South Jakarta District Court Judge should have accepted the petello bello case which was harmed by PT PLN (Persero) which caused losses suffered by petro bello of Rp. 9,200,000. Then Law Number 30 Year 2009 Concerning Electricity Article 29 Paragraphs (1) and (2) which explains that the consumer's rights must be fulfilled by the PLN, but in reality the South Jakarta District Court Judges do not pay attention and do not consider the Article.

scholarly journals Perlindungan Hukum Terhadap Pihak Pemberi Pinjaman Akibat Terjadinya Gagal Bayar pada Peer to Peer Lending

Acta Comitas ◽  
2020 ◽  
Vol 5 (3) ◽  
pp. 479
Author(s):  
Ni Made Intan Pranita Dewanthara ◽  
Made Gde Subha Karma Resen
Keyword(s):  
Financial Services ◽  
Research Method ◽  
Dispute Settlement ◽  
Legal Protection ◽  
Peer To Peer ◽  
Service Users ◽  
Legal Problem ◽  
Digital World ◽  
Peer Lending ◽  
Settlement Of Disputes

The digital world has developed very rapidly and has had a lot of influence in various sectors, one of which is the presence of information technology-based lending and borrowing services, namely Peer to Peer Lending. However, it is possible that the implementation of Peer to Peer Lending carries a risk of a legal problem, namely the default from the Loan Recipient which will harm the Lender who funds the loan application on the Operator's platform. In this regard, the next study aims to identify and analyze legal protection for lenders related to the risk of default in peer to peer lending based lending services. In addition, this study also aims to explain dispute resolution due to default in peer to peer lending. The research method used in this research is normative legal research method. Legal protection for lenders with the formation of special regulations that provide protection for Peer to Peer Lending service users, namely the Financial Services Authority Regulation Number 77 / POJK.01 / 2016 in particular Article 37 and sanctions such as fines, imprisonment, and other additional penalties given after it occurs dispute. Settlement of disputes due to default in P2PL can be carried out outside or inside the court in accordance with Article 39 paragraph (1) POJK Number 1/POJK.07 / 2013.

scholarly journals Third Party Legal Protection in the Cooperation Agreement for Purchasing Company Assets (Analysis of the Decision of the Mataram High Court Number: 10 / PDT / 2018 / PT. MTR)

2019 ◽  
Vol 6 (4) ◽  
pp. 15
Author(s):  
Michael Anshori ◽  
Zainal Asikin ◽  
Djumardin Djumardin
Keyword(s):  
Wildlife Conservation ◽  
Legal Protection ◽  
Third Party ◽  
District Court ◽  
Cooperation Agreement ◽  
Conceptual Approach ◽  
High Court ◽  
Study Approach ◽  
A Company

This study aims to determine the legal protection of third parties and analyze the legal protection of the parties and the position of the parties in the Cooperation agreement to purchase assets of companies owned by PT. Wildlife Conservation. This type of research is normative legal research, with the approach used is the legislative approach, conceptual approach and Case study approach. Position of the parties in the Cooperation agreement to purchase assets of a company owned by PT. Biodiversity Tourism, in the Deed of Cooperation Agreement Number 81. Based on the Deed of the Cooperation Agreement the Rights and Obligations of the Parties are subject to the Agreement made by the parties before a Notary. Because of the third party's legal protection in the Cooperation Agreement No. 81 is not contradictory to the provisions of Article 1338, then legally it is the legal basis for filing a default lawsuit at the Mataram District Court, the Mataram High Court.

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