Jurnal Pro Hukum : Jurnal Penelitian Bidang Hukum Universitas Gresik最新文献

{"title":"BENTUK PERLINDUNGAN DAN JAMINAN HAK PEKERJA/BURUH OUTSOURCING PADA PUTUSAN MAHKAMAH KONSTITUSI NOMOR 27/PUU-IX/2011","authors":"M. Mashudi, Zulfiqar Bhisma Putra Rozi, Sugeng Prayitno","doi":"10.55129/jph.v8i2.1003","DOIUrl":"https://doi.org/10.55129/jph.v8i2.1003","url":null,"abstract":"Keberadaan perusahaan penyedia jasa tenaga kerja atau dalam istilah lain disebut outsourcing bagi sebagian orang dinilai seperti perbudakan gaya modern. Dinilai demikian karena perusahaan tersebut seolah-olah memperdagangkan tenaga kerja sebagai pemenuhan terhadap kebutuhan pelaku usaha. Namun bagi sebagian orang lainnya pendapat demikian tak sepenuhnya benar. Perlindungan pekerja/buruh outsourcing diatur dalam Pasal 65 dan Pasal 66 Undang-Undang Nomor 13 Tahun 2003 Tentang Ketenagakerjaan. Namun setelah adanya uji materi pada putusan Mahkamah Konstitusi Nomor 27/PUU-IX/2011 menganulir ketentuan dalam Pasal 65 ayat (7) dan Pasal 66 ayat (2) huruf b Undang-Undang Nomor 13 Tahun 2003 tentang Ketenagakerjaan, sepanjang dalam perjanjian kerja tersebut tidak disyaratkan adanya pengalihan perlindungan hak-hak bagi pekerja/buruh yang objek kerjanya tetap ada, walaupun terjadi pergantian perusahaan yang melaksanakan sebagian pekerjaan borongan dari perusahaan lain atau perusahaan penyedia jasa pekerja/buruh.","PeriodicalId":216108,"journal":{"name":"Jurnal Pro Hukum : Jurnal Penelitian Bidang Hukum Universitas Gresik","volume":"9 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-01-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123632692","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"EKSEKUSI JAMINAN TAMBAHAN PADA PERJANJIAN KREDIT SURAT KEPUTUSAN PENGANGKATAN JABATAN APARATUR SIPIL NEGARA SEBAGAI AGUNAN BANK","authors":"R. Purwanto, Rizky Noviyanti","doi":"10.55129/jph.v8i2.959","DOIUrl":"https://doi.org/10.55129/jph.v8i2.959","url":null,"abstract":"Kegiatan usaha bank terus mengalami perubahan dan peningkatan. permasalahan yang semakin meningkat menimbulkan tantangan dan resiko yang dihadapi juga semakin besar. Dalam hal ini bank dituntut untuk menyalurkan kredit, salah satunya agunan berupa Surat Keputusan Aparatur Sipil Negara. Guna menunjang pemberian kredit dibutuhkan jaminan tambahan berupa kendaraan bermotor sangat berfungsi memberikan perlindungan dan kepastian hukum bagi para pihak, khususnya bagi pihak kreditur. Bank pada dasarnya menerima jaminan mempunyai kriteria yaitu dapat dengan mudah dieksekusi dan dapat diikat perjanjian. Akan tetapi, dalam perjanjian kredit perlu diperhatikan perlindungan hukum yang diterima oleh kreditur apabila debitur wanpretasi yaitu dengan mecoverkan asuransi milik pegawai tersebut karena asuransi bertanggungjawab sebagai pengalihan resiko kerugian yang dialami kreditur. Mekanisme eksekusi dalam perjanjian kredit terdapat dalam Undang-Undang Nomor 42 Tahun 1999 Tentang Jaminan Fidusia dan Peraturan Kapolri Nomor 8 Tahun 2011 dalam menjalankan eksekusi bank dapat melibatkan pihak yang berwenang agar pelaksanaan eksekusi berjalan sesuai dengan prosedur.Kata kunci : Eksekusi; Perjanjian Kredit; Surat Keputusan Aparatur Sipil Negara The bank's business activities continue to experience changes and improvements. ever increasing problems pose challenges and the risks faced are also getting bigger. In this case the bank is to channel credit, one of which is collateral in the form of a State Civil Apparatus Decree. Additional guarantees are needed in the form of highly functioning motorized vehicles to provide protection and legal certainty for the parties. The bank basically accepts the guarantee of having criteria namely that it can agreement. However, in the credit agreement, it is necessary to pay attention to the legal protection received by the creditor if the debtor is interpreted, owned by the employee because insurance is responsible for transferring the risk of loss experienced by the creditor. The mechanism of execution in the credit agreement is contained in Law Number 42 of 1999 concerning Fiduciary Guarantees and the Regulation of the Chief of the National Police Number 8 of 2011 in carrying out bank executions which can involve the authorities so that the execution runs in accordance with the procedure.Keywords: Execution; Credit Agreement; Decree of State Civil Apparatus;","PeriodicalId":216108,"journal":{"name":"Jurnal Pro Hukum : Jurnal Penelitian Bidang Hukum Universitas Gresik","volume":"259 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-01-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115953038","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PERKAWINAN LARI (PAKONDANG) YANG DI LAKUKAN ADAT SUMBA BARAT DI TINJAU UNDANG-UNDANG NO 1 TAHUN 1974 TENTANG PERKAWINAN","authors":"Arkisman Arkisman, Marthen Jou Iki","doi":"10.55129/jph.v8i2.958","DOIUrl":"https://doi.org/10.55129/jph.v8i2.958","url":null,"abstract":"Perkawinan lari (Pakondang) yang terjadi di Sumba Barat Nusa Tenggara Timur merupakan kekaburan norma hukum karena pasangan yang melakukan perkawin lari tidak tidak memberitahukan kepada orang tua tentang keinginan untuk melangsungkan perkawinan, merupakan pasangan yang tidak di restui hubungannya. Rumusan masalah dalam penelitian ini adalah (1) bagaimana proses perkawinan lari yang di lakukan adat Sumba Barat? (2) bagaimana akibat hukum perkawinan lari di Sumba barat  berdasarkan Udang-Undang No.1 Tahun 1974?. Penelitian ini adalah penelitan normative dengan data primer yang di kumpulkan dengan metode wawancara sedangkan data sekunder di kaji berdasarkan Undang-Undang. Tenik analisis data yang di gunakan adalah teknik analisis deskriptif. Hasil penelitian di temukan bahwa Undang-Undang Nomor.1 Tahun 1974 tentang perkawinan dapat mencegah terjadinya perkawinan lari (pakondang) di wilayah kabupaten Sumba Barat propinsi Nusa Tenggara Timur dengan melakukan dekontruksi. Kata Kunci :Perkawinan Adat, Pakondang, Undang No 1 Tahun 1974 Tentang Perkawinan","PeriodicalId":216108,"journal":{"name":"Jurnal Pro Hukum : Jurnal Penelitian Bidang Hukum Universitas Gresik","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-01-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131188800","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PERJANJIAN KERJA ANTARA ATLET SEPAKBOLA PROFESIONAL DENGAN KLUB SEPAKBOLA","authors":"Yola Zulva Janika, M. Mashudi","doi":"10.55129/jph.v8i2.955","DOIUrl":"https://doi.org/10.55129/jph.v8i2.955","url":null,"abstract":"Dalam klausul kontrak pemain sepakbola profesional dengan klub sepakbola secara eksplisit mencantumkan bahwa kontrak pemain sepakbola bersifat khusus dan tidak tunduk pada Undang-Undang Nomor 13 Tahun 2003 tentang Ketenagakerjaan dan atlet sepakbola profesional mempunyai hukum yang khusus yaitu Lex sportiva.Kontrak kerja pemain sepakbola profesional tunduk pada Undang-Undang Nomor 3 Tahun 2005 tentang Sistem Keolahragaan Nasional. Undang-Undang Nomor 3 Tahun 2005 tentang Sistem Keolahragaan Nasional merupakan Lex Specialis dari Undang-Undang Nomor 13 Tahun 2003 tentang Ketenagakerjaan. Dalam ketentuan FIFA penyelesaian sengketa yang terjadi antara atlet sepakbola profesional dengan klub dapat di selesaikan melalui Arbitrase yang telah disediakan oleh induk organisasi sepakbola tersebut. Kata kunci : Hukum Olahraga (Lex Sportiva); Ketenagakerjaan; Mekanisme Penyelesaian Sengketa; Perjanjian. ABSTRACTA number of legal experts argued that the Act No. 13 year 2003 about the Employment contract applicable to professionalhu athletes because of the professional athlete is the workers/labourers and applies the provisions of the Act such. However, in the professional soccer player contract clause with the football club to explicitly specify that the special nature of player contracts and are not subject to law No. 13 Year 2003 about the employment and soccer athletes professionals have special laws i.e. Lex sportiva. Professional soccer player employment contract subject to the provisions of Act No. 3 Year 2005 about National Sport System. Act No. 3 of the year 2005 of the national Sport System is Lex Specialists of law No. 13 Year 2003 concerning Employment. In terms of the FIFA dispute that took place between professional athletes with the Club can resolve through arbitration that has been provided by the parent organization of the football.Keywords : Sports Law( Lex Sportiva); Employment; The Dispute Settlement Mechanism; Contract.","PeriodicalId":216108,"journal":{"name":"Jurnal Pro Hukum : Jurnal Penelitian Bidang Hukum Universitas Gresik","volume":"7 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-01-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133403808","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"SANKSI HUKUM TIDAK TERPENUHINYA PENDAPATAN ASLI DAERAH ( PAD ) DARI PAJAK REKLAME","authors":"Abdul Basid, Ahmad Fathoni","doi":"10.55129/jph.v8i2.962","DOIUrl":"https://doi.org/10.55129/jph.v8i2.962","url":null,"abstract":"Dalam rangka pembiayaan pembangunan, peranan dan potensi sektor perpajakan sangat besar artinya, terutama untuk menunjang keberhasilan pembangunan daerah dan pembangunan nasional. Sumber pembiayaan Negara antar lain dari pajak dan kekayaan alam. Tujuan penelitian ini untuk mengetahui kontribusi pajak reklame dan evaluasi manakala target pajak reklame tidak terpenuhi. Skripsi ini ditulis dengan pendekatan yuridis normative. Penyelenggaraan reklame kabupaten gresik di atur dalam Peraturan Bupati Gresik Nomor 9 Tahun 2016 tentang Penyelenggaraan Reklame. Kontribusi pajak reklame terhadap pajak daerah sebesar 0.58% dan kontribusi pajak reklame terhadap pendapatan asli daerah sebesar 0.11%. Evaluasi dilakukan setiap 3 bulan dan 6 bulan serta dilakukan saat target pajak reklame tidak terpenuhi. Evaluasi dilakukan pada setiap pokja yang terkait dengan penyelenggaraan reklame. Kepada pihak yang terkait supaya lebih menegaskan sanksi terhadap pelanggaran penyelenggaraan reklame.Kata Kunci : Pajak Reklame, Pendapatan Asli Daerah, Sanksi Hukum      ABSTRACKIn the framework of financing development, the role and potential of the taxation sector is very significant, especially to support the success of regional development and national development. Other state funding sources include taxes and natural wealth. The purpose of this study is to determine the advertisement tax contribution and evaluation when the advertisement tax target is not met. This thesis was written with a normative juridical approach. The implementation of the Gresik regency bill is regulated in the Gresik Regent Regulation Number 9 of 2016 concerning the Implementation of Advertisement. The advertisement tax contribution to local taxes is 0.58% and the advertisement tax contribution to local revenue is 0.11%. Evaluation is carried out every 3 months and 6 months and is carried out when the advertisement tax target is not met. Evaluation is carried out at each working group related to the implementation of billboards. To the parties concerned so as to further emphasize sanctions against violations of the implementation of billboards.Keywords: Advertisement Tax, Regional Original Income, Legal Sanctions","PeriodicalId":216108,"journal":{"name":"Jurnal Pro Hukum : Jurnal Penelitian Bidang Hukum Universitas Gresik","volume":"223 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-01-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124433015","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PENJATUHAN PIDANA OLEH HAKIM TERHADAP ANAK YANG BERHADAPAN DENGAN HUKUM","authors":"Prihatin Effendi, D. Ningsih, Hesti Aprilia","doi":"10.55129/jph.v8i2.954","DOIUrl":"https://doi.org/10.55129/jph.v8i2.954","url":null,"abstract":"            Penelitian ini bertujuan untuk mengetahui penerapan ketentuan hukum pidana materil terhadap tindak pidana pengedar narkotika golongan I jenis ganja dalam Putusan Pengadilan Negeri Gresik Nomor : 5/Pid.Sus-Anak/2018/PN.Gsk dan untuk mengetahui pertimbangan hukum hakim dalam menjatuhkan sanksi pidana pada pelaku tindak pidana pengedar narkotika golongan I jenis ganja dalam putusan PengadilanNegeri Gresik Nomor: 5/Pid.Sus-Anak/2018/PN.Gsk. Hasil penelitian menunjukkan bahwa (1) Penerapan ketentuan hukum pidana materil terhadap perkara putusan Nomor : 5/Pid.Sus-Anak/2018/PN.Gsk mestinya sesuai dengan tuntutan dari Jaksa Penuntut Umum. Karena dalam keterangan terdakwa yang dikemukakan dalam persidangan mengatakan adanya transaksi jual beli yang dilakukan oleh terdakwa dengan seseorang yang tidak dikenalnya. (2) Pertimbangan Hukum Hakim dalam menjatuhkan sanksi pidana perkara putusan Nomor : 5 / Pid.Sus-Anak / 2018 / PN.Gsk berdasarkan pertimbangan Penuntut Umum dan Hakim maka sanksi yang dijatuhkan mestinya tidak hanya 4 (empat) tahun dan denda sebesar Rp.800.000.000,-(delapan ratus juta rupiah) subsidair 4 (empat) bulan penjara, jika menerapkan pasal yang menjadi dasar hukum dalam tuntutan Jaksa Penuntut Umum yaitu Pasal 114 ayat (1) Undang-Undang No. 35 tahun 2009 tentang Narkotika Jo. Pasal 55 ayat (1) ke-1 KUH Pidana. Kata kunci :Anak bermasalah hukum; Narkotika.ABSTRACT This study aims to find out the application of the provisions of the material criminal law against the criminal act of trafficking in class I narcotics in the Decision of the Gresik istrict Court Number: 5 / Pid.Sus-Anak / 2018 / PN. perpetrators of criminal acts of trafficking in class I narcotics in the decision of the Gresik istrict Court Number: 5 / Pid.Sus-Anak / 2018 / PN.Gsk.The results of the study indicate that (1) The application of the provisions of the material criminal law to the case of decision Number: 5 / Pid.Sus-Anak / 2018 / PN.Gsk should be in accordance with the demands of the Public Prosecutor. Because in the statement the defendant stated in the trial said that there was a sale and purchase transaction carried out by the defendant with someone he did not know. (2) Judges' Legal Considerations in imposing criminal sanctions for verdicts Number: 5 / Pid.Sus-Anak / 2018 / PN.Gsk based on the consideration of the Public Prosecutor and Judges, the sanctions imposed should not only be 4 (four) years and a fine of Rp.800,000. 000, - (eight hundred million rupiah) subsidies 4 (four) months in prison, if applying the article that becomes the legal basis in the demands of the Public Prosecutor, namely Article 114 paragraph (1) Law No. 35 of 2009 concerning Narcotics Jo. 1st Article 55 paragraph (1) of the Criminal Code.Keywords: Legal troubled children, Narcotics.","PeriodicalId":216108,"journal":{"name":"Jurnal Pro Hukum : Jurnal Penelitian Bidang Hukum Universitas Gresik","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-01-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131718534","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PENYELESAIAN GUGATAN SEDERHANA DALAM PERKARA PERDATA DI PENGADILAN","authors":"K. Kuswandi, Mohammad Nasichin","doi":"10.55129/jph.v8i2.956","DOIUrl":"https://doi.org/10.55129/jph.v8i2.956","url":null,"abstract":"Hukum acara perdata merupakan hukum formil yang berfungsi untuk menegakkan, memelihara dan menjamin ditaatinya hukum perdata materiil. Asas dalam hukum acara perdata di Indonesia salah satunya yaitu asas sederhana, cepat dan biaya ringan. Sejauh ini, asas tersebut belumlah terlaksana secara efektif karena dalam praktiknya penyelesaian sengketa perdata selalu membutuhkan waktu yang lama dan biaya yang besar. Pada tahun 2015 timbul gagasan baru untuk menyederhanakan proses penyelesaian perkara perdata. Mahkamah Agung menerbitkan suatu peraturan guna mengisi kekosongan hukum berupa Peraturan Mahkamah Agung Nomor 2 Tahun 2015 tentang Prosedur dan Tata Cara Penyelesaian Gugatan Sederhana. Proses penyelesaian gugatan sederhana atau biasa disebut dengan small claimcourt merupakan tata cara pemeriksaan di persidangan terhadap gugatan perdata dengan nilai gugatan materiil paling banyak senilai Rp.200.000.000,00 (dua ratus juta rupiah) yang diselesaikan dengan tata cara pembuktian sederhana. Kata kunci : Gugatan Sederhana; Pembuktian; Sengketa. ABSTRACTCivil procedure law is a formal law that functions to enforce, maintain and guarantee compliance with material civil law. One of theprinciples in civil procedural law in Indonesia is one that is simple, fast and low cost. So far, this principle has not been implementedeffectively because in practice civil dispute resolution always takes a long time and costs a lot. In 2015 new ideas emerged to simplify theprocess of settling civil cases. The Supreme Court issued a regulation to fill the legal vacuum in the form of Supreme Court RegulationNumber 2 of 2015 concerning Procedures and Procedures for Settling Simple Lawsuit. A simple claim settlement process or commonlyreferred to as a small claim court is a procedure for examining the trial of a civil suit with a maximum value of material claim of Rp.200,000,000.00 (two hundred million rupiahs) which is settled by a simple verification procedure. Key words : Simple Suit, Proof, Dispute","PeriodicalId":216108,"journal":{"name":"Jurnal Pro Hukum : Jurnal Penelitian Bidang Hukum Universitas Gresik","volume":"1150 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-01-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128291001","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"TANGGUNGGUGAT KERUGIAN NASABAH ASURANSI TERHADAP KASUS GAGAL BAYAR PRODUK ASURANSI UNIT LINK","authors":"Lorina Lorina","doi":"10.55129/jph.v8i2.963","DOIUrl":"https://doi.org/10.55129/jph.v8i2.963","url":null,"abstract":"Humans in any part of the world are approached at any time by disaster or risks that come and go, this needs to be addressed by the parties so that the funds that have been allocated for the needs that have been determined are not lost. With the growing needs of society and the efforts of insurance companies to increase revenue, the type of insurance has also increased. Unit link itself indeed combines insurance with investment. Many people are also interested in this insurance product. insurance companies, which sell very large unit-linked products, also have a large risk with many facts about the failure of insurance companies to pay to policyholders. Based on the explanation above, it attracts the attention of the author to examine how the liability of the customer's losses caused by the failure of insurance company payments on unit-linked products, because basically insurance is to protect the policyholder from possible risks but on the other hand with the investment value of the policy can it has been eroded because investment does not always bring benefits, especially in policies whose investments are invested in highly volatile stock mutual fund products. This research uses normative legal research methods, it is hoped that the public can be educated from this research to be more careful and separate insurance and investment. Obligations and rights of policyholders must be fulfilled first, and if the world economic conditions are not good, better investment in unit link products is withdrawn first considering the shaking of the world economy can reduce the benefits of policyholders.Keyword: Insurance, Unit Link, Risk, Investment ABSTRAKManusia dibelahan dunia manapun setiap saat dihampiri oleh musibah maupun risiko yang datang silih berganti, hal ini perlu ditanggulangi oleh para pihak sehingga dana yang telah dialokasikan untuk kebutuhan yang sudah ditetapkan tidak hilang. Dengan berkembangnya kebutuhan masyarkat dan upaya perusahaan perasuransian untuk meningkatkan pendapatan maka jenis asuransi pun bertambah. Unit link sendiri memang menggabungkan antara asuransi dengan investasi. Masyarakat pun banyak yang tertarik dengan produk asuransi ini. perusahaan asuransi yang dalam penjualan produk unit link ini sangat besar, juga tersimpan risiko yang besar dengan banyaknya fakta kasus gagal bayar perusahaan asuransi kepada pemegang polis. Berdasarkan penjabaran diatas menarik perhatian penulis untuk meneliti bagaimanakah tanggunggugat kerugian nasabah yang diakibatkan oleh kegagalan pembayaran perusahaan asuransi pada produk Unit link, karena pada dasarnya asuransi adalah untuk melindungi pemilik polis dari risiko yang mungkin diterima tapi di lain sisi dengan adanya investasi nilai dari polis tersebut bisa saja tergerus karena investasi tidak selalu membawa keuntungan terutama pada polis yang investasinya ditanamkan di dalam produk reksadana saham yang sangat volatile. Penelitian ini ini menggunakan metode penelitian hukum normatif, diharap","PeriodicalId":216108,"journal":{"name":"Jurnal Pro Hukum : Jurnal Penelitian Bidang Hukum Universitas Gresik","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129149823","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PERAN KOPERASI SIMPAN PINJAM DALAM MENCEGAH KERUGIAN YANG TIMBUL DARI PEER TO PEER LENDING ILEGAL","authors":"Elva Marsilia","doi":"10.55129/jph.v8i2.965","DOIUrl":"https://doi.org/10.55129/jph.v8i2.965","url":null,"abstract":"Technological advances can be said to be one of the causes of the rapid demand for online loans . Online loan services that we may often hear is Peer to Peer Lending (P2P) . P2P has become the people's choice to borrow money on the grounds of easy conditions . the use of P2P loans is not free from risk . With the size of the managed funds and risks that accompany P2P, savings and loan cooperatives on the other hand can provide other options in terms of providing funds for primarily the needs of members of the cooperative itself and the general public outside the membership of the cooperative. This research uses research methods juridical normative through positive law and this normative legal research data uses primary legal materials . The results of this study are to provide an alternative other than P2P loans, namely the use of savings and credit cooperative financial institutions that are run in accordance with the principles of cooperatives, namely kinship and mutual cooperation , community welfare is prioritized not only to pursue profit alone.Keyword: Peer to Peer, Loan, Cooperation, savingsABSTRAKKemajuan teknologi bisa dikatakan menjadi salah satu penyebab pesatnya permintaan pinjaman online. Layanan Pinjaman Online yang mungkin sering kita dengar adalah Peer to Peer Lending (P2P). P2P menjadi pilihan masyarakat untuk meminjam uang dengan alasan syarat yang mudah. penggunaan pinjaman P2P tidak lepas dari risiko. Dengan besarnya dana kelolaan dan risiko yang menyertai  P2P maka koperasi simpan pinjam di lain sisi bisa memberikan pilihan lain dalam hal penyediaan dana bagi terutama bagi kebutuhan anggota koperasi itu sendiri maupun masyarakat umum diluar keanggotaan koperasi tersebut. Penelitian ini menggunakan metode penelitian yuridis normatif melalui hukum positif dan Data penelitian hukum normatif ini menggunakan Bahan hukum primer. Hasil dari penelitian ini adalah memberikan alternatif lain selain pinjaman P2P yaitu penggunaan lembaga keuangan koperasi simpan pinjam yang dijalankan sesuai dengan asas koperasi yaitu kekeluargaan dan gotong royong, kesejahteraan masyarakat sangat diutamakan tidak hanya mengejar profit semata.Kata Kunci: Peer to Peer, Pinjaman, Koperasi, Simpanan","PeriodicalId":216108,"journal":{"name":"Jurnal Pro Hukum : Jurnal Penelitian Bidang Hukum Universitas Gresik","volume":"7 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123955124","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PERLINDUNGAN NASABAH REKSA DANA PADA KELALAIAN PENEMPATAN DANA OLEH MANAJER INVESTASI","authors":"R. L. M. Tilaar","doi":"10.55129/jph.v8i2.966","DOIUrl":"https://doi.org/10.55129/jph.v8i2.966","url":null,"abstract":"Basic human needs include clothing, food and shelter which in its fulfillment certainly requires sufficient funds to be able to buy what each individual needs and wants. Every year there is always an increase in inflation in every product and service consumed by the public. the value of money decreases over time due to inflation. This value of money can be maintained one of them by diversifying investments in different investment instruments and there are even investments whose results can be used to meet short-term or long-term needs but the investment itself can also be used to make a profit. indirect investment in the form of Mutual Funds because in this investment the purchase is made by an Investment Manager in a security that sells Mutual Funds. This research is a normative research with a law and case study approach. This study revealed that investment diversification in mutual funds was carried out because it was easier and helped by the role of investment managers who made portfolio selection. Risk looms especially with regard to the incidence of losses in investing due to the manager's expertise. Mainly caused by the lack of ability to choose the contents of the portfolio and the lack of sensitivity of Investment managers to market changes. Therefore the role of the government is needed in anticipating the irresponsible behavior of the Investment Manager by providing legal rules and sanctions for the Investment Manager and not forgetting to always provide socialization to the public to always be alert to the lure of rich quick and sure profits from parties who are not be responsible.Keyword: mutual fund, investment manager, investment risk, default ABSTRAKKebutuhan dasar manusia melliputi sandang, pangan dan papan dimana dalam pemenuhannya tentu membutuhkan dana yang cukup untuk bisa membeli apa yang masing-masing individu butuhkan dan inginkan. Setiap tahun selalu ada kenaikan inflasi pada setiap produk maupun jasa yang dikonsumsi oleh masyarakat. nilai uang menurun seiring waktu akibat inflasi. Nilai uang ini bisa dijaga salah satunya dengan melakukan diversifikasi investasi pada instrumen investasi yang berbeda bahkan ada juga investasi yang hasilnya bisa digunakan untuk memenuhi kebutuhan jangka pendek ataupun jangka panjang tetapi investasi sendiri juga bisa digunakan untuk memperoleh keuntungan. investasi tidak langsung berupa Reksa Dana karena pada investasi ini pembelian dilakukan oleh Manajer Investasi pada sekuritas yang menjual Reksa Dana. Penelitian ini merupakan penelitian normatif dengan pendekatan undang-undang dan case study. Penelitian ini mengungkap bahwa diversifikasi investasi pada reksadana dilakukan karena lebih mudah dan terbantu dengan peran manajer investasi yang melakukan pemilihan isi portofolio. Risiko yang membayangi terutama dengan kaitan timbulnya kerugian dalam berinvestasi karena keaplaan Manajer pun besar. Terutama diakibatkan oleh minimnya kemapuan memilih isi portofolio dan kurang pekanya manajer Inv","PeriodicalId":216108,"journal":{"name":"Jurnal Pro Hukum : Jurnal Penelitian Bidang Hukum Universitas Gresik","volume":"91 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-12-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132018885","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}