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All Journal Nagari Law Review Unes Law Review Menara Ilmu ADIL : Jurnal Hukum Jurnal Hukum dan Peradilan
Almaududi Almaududi
Universitas Andalas
Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Physics Public Health Social Sciences

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FORMULASI PRUDENTIAL PRINCIPLE DALAM KOLABORASI ANTARA BANK DAN FINTECH LENDING Almaududi, Almaududi
Menara Ilmu Vol 15, No 2 (2021): VOL. XV NO. 2 JANUARI 2021
Publisher : LPPM Universitas Muhammadiyah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31869/mi.v15i2.2399

Abstract

Fenomena financialtechnology (Fintech), digitalisasi dan internet ofthing (IoT) telah mengubah (change) dan mengganggu (disruption) lembaga perbankan selaku penyedia jasa keuangan tradisional. Untuk itu, kolaborasi antara Bank dan FintechLending harus dilakukan, agar kedua lembaga tersebut dapat tumbuh secara bersama-sama tanpa saling berebut pangsa pasar. Dalam hal dilakukan kerjasama, maka akan menimbulkan permasalahan terkait pengaturan penerapan prudentialprinciple. Terdapat banyak regulasi yang secara konkrit dan jelas mewajibkan Bank untuk menerapkan prudentialprinciple. Pada sisi lain, regulasi yang mewajibkan FintechLending untuk menerapkan prudentialprinciple masih bersifat abstrak atau umum. Dengan menganalisis peraturan perundang-undangan terkait bank, FintechLending, dan lembaga keuangan lainnya, kajian dalam tulisan ini dapat merumuskan bentuk kolaborasi dan terobosan pengaturan penerapan prudentialprincipleolehBank dan FintechLending untuk penyediaan pembiayaan bagi masyarakat unbankable. Kata Kunci: Fintech Lending, Bank, Prudential Principle, Kolaborasi
Eksistensi Aset Eks Bank Dalam Likuidasi Almaududi Almaududi
Jurnal ADIL Vol 7, No 2 (2016): DESEMBER 2016
Publisher : Lembaga Penelitian Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (648.091 KB) | DOI: 10.33476/ajl.v7i2.354

Abstract

Berdasarkan Peraturan Lembaga Penjamin Simpanan tentang Likuidasi Bank (PLPS LB) diatur ketentuan bahwa Lembaga Penjamin Simpanan (LPS) berwenang mengelola Aset Eks BDL, namun permasalahannya adalah tidak ditemukannya alas hak bagi LPS untuk melakukan pengelolaan tersebut.  Sebelum status badan hukum BDL hapus, tidak dilakukan terlebih dahulu penyerahan (levering) atau pengalihan piutang (cessie) dari Tim Likuidasi kepada LPS sehingga, secara yuridis tindakan penghapusan Aset Eks BDL dari NSL tidak benar-benar menghapuskan kepemilikan aset oleh BDL. Oleh karena itu, untuk menghindari potensi permasalahan hukum kedepannya, ada baiknya LPS memberi pengaturan yang jelas mengenai alas hak bagi LPS dalam melakukan pengelolaan Aset Eks BDL dengan tetap memperhatikan pelaksanaan likuidasi 16 bank yang dicabut izinnya pada tahun 1997, dimana Negara (c.q. Kementerian Keuangan) sebagai kreditur mayoritas menerima sisa Aset Eks BDL sebagai pembayaran non-tunai.
Eksistensi Asosiasi Fintech Dalam Pengawasan Peer To Peer (P2P) Lending Almaududi Almaududi; Ihsani Mazelfi
Nagari Law Review Vol 4 No 2 (2021): Nagari Law Review
Publisher : Faculty of Law, Andalas University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/nalrev.v.4.i.2.p.175-187.2021

Abstract

Financial Services Authority Regulation Number 77 / POJK.01 / 2016 and Number 13 / POJK.02 / 2018 not only regulated the Fintech P2P Lending's operational activities but also became the basis for the creation of the Fintech Association. Based on Article 48 POJK 77/2016 jo. Article 21 POJK 13/2018, OJK appoints a Fintech Association (AFPI) which functions to establish a Code of Ethics and provides several regulations that have not been regulated by OJK. In this connection, problems arise related to order, the role and function of the Fintech Association in monitoring Fintech P2P Lending. It is worth questioning the basis and consideration of the OJK in establishing and making the Fintech Association an institution that joins Fintech P2P Lending. It is also necessary to analyze the extent to which the role or existence of the Fintech Association in realizing a balance between the principles of consumer protection and prudence with innovation and competition.
JURIDICAL PROBLEMS ON COOPERATIVE BANK REGULATIONS ON INDONESIA'S ECONOMIC GOALS Almaududi Almaududi; Ihsani Mazelfi
Jurnal Hukum dan Peradilan Vol 11, No 3 (2022)
Publisher : Puslitbang Hukum dan Peradilan Mahkamah Agung RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25216/jhp.11.3.2022.437-452

Abstract

This paper is concerned with the juridical problems on cooperative banks’ regulations on Indonesia’s goals stated in the 1945 Constitution Republic of Indonesia. The problems arise due to the absence of commercial banks in the form of cooperative banks. Furthermore, Indonesia has a minimum number of cooperative rural banks (BPR Co). Currently, OJK registered only 19 BPR Co out of 1545 BPRs (0.01%). The study aims to examine the juridical problems of cooperative bank regulation in Indonesia’s goals as stated in the 1945 Constitution. It is normative research, analyzed qualitatively and presented in a descriptive. The study reveals that the Government and the Financial Services Authority (OJK) have no intention of further regulating the legal form of Cooperative Banks. We can see it from the non-accommodation of Cooperative Banks in Law on Syariah Banking. In addition, we could also see it from the absence of regulation on Cooperatives Commercial Bank in OJK Regulation. Therefore, it is not surprising that no commercial banks in Indonesia are in the legal form of cooperative. 
Legal Certainty of Digital Assets Non-Fungible Token (NFT) on The Opensea Platform Ulfanora Ulfanora; Almaududi Almaududi
UNES Law Review Vol. 6 No. 1 (2023): UNES LAW REVIEW (September 2023)
Publisher : LPPM Universitas Ekasakti Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i1.870

Abstract

The role of technology in everyday life has become more sufficient. This technology results in digitalization which gives rise to digital assets that later become crypto assets that use blockchain technology to store data. The development of these crypto assets presents a technology called Non-Fungible Token (NFT) which is a technology linked to a work of art or other digital assets that serves to protect the artwork or digital assets and as proof of ownership. NFT presents a new way for artists to sell their art more safely and avoid harmful actions. However, the widespread use of NFT technology has created a problem due to the lack of legality regarding NFT. The formulation of the problems discussed in this thesis are: 1. What is the legal certainty for digital assets in the form of Non-Fungible Tokens (NFT) on the Opensea digital platform? 2. What is the legality of Smart Contracts in each transaction of Non-Fungible Token (NFT) through the Opensea digital platform? The research method used is a normative juridical research method, taking a statutory approach and having a descriptive-analytical nature. From the results of this research, can be seen that NFT has not been clearly regulated in Indonesian positive law, resulting in a legal vacuum. Regulations regarding Crypto are regulated by Bappebti as the governing body. Bappebti itself has not specifically regulated NFT regulations in Bappebti regulations. Besides that, other arrangements are seen through the Civil Code which regulates NFT as an intangible object ITE Law which regulates the implementation of the transaction. And regarding the protection of its Intelectual Property Rights through the Copyright Law. Then regarding the validity of the Smart Contract in Non-Fungible Token (NFT) transactions it is considered valid in Indonesian positive law based on the Pacta sunt servanda principle and must be based on the compliance of Article 1320 of the Civil Code.
Co-Authors Ihsani Mazelfi Ihsani Mazelfi Ulfanora, Ulfanora