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STRENGTHENING FINANCIAL TECHNOLOGY REGULATION TO EMPOWERMENT FINANCIAL INCLUSIVE 加强金融技术监管,增强金融普惠性
Pub Date : 2019-09-30 DOI: 10.14710/dilrev.4.2.2019.274-290
Lastuti Abubakar, Tri Handayani
After the global crisis at 2008; Financial Inclusion became a focus in many international forums including developing countries and Indonesia. Refers to international best practice, the solution is made: the national financial inclusion strategies that conducted among other things such as launch a certain programs such as branchless banking and peer to peer lending are the solutions has made.  One of the financial inclusive principles is technological innovation to expand public access using financial technology to reach financial systems. This research aims to study and analyze fintech regulation in Indonesia to empower the financial inclusive. Research method is used a normative juridical and descriptive analytics specification. Data has analyzed in a qualitative juridical. The results showed that Fintech has a role in broaden the access for community to financial systems so that it can be a tool for poverty alleviation and economic equality. Likewise, to strengthening and rearrange Fintech regulation is needed due to overcome the obstacles such as the misuse of personal data, the growth of shadow economy and consumer losses. Therefore, it is required a comprehensive regulation, cooperation between authorities and institutions in order that Fintech can be optimally empower the financial inclusion.
2008年全球危机之后;普惠金融成为包括发展中国家和印度尼西亚在内的许多国际论坛关注的焦点。参考国际最佳实践,提出了解决方案:国家普惠金融战略,其中包括启动某些项目,如无网点银行和点对点贷款,都是解决方案。金融普惠原则之一是技术创新,利用金融技术扩大公众接触金融系统的机会。本研究旨在研究和分析印尼的金融科技监管,以增强金融包容性。研究方法采用规范的法律和描述性分析规范。对数据进行了定性分析。结果表明,金融科技在扩大社区获得金融系统的机会方面发挥了作用,从而可以成为减轻贫困和经济平等的工具。同样,为了克服个人数据滥用、影子经济增长、消费者损失等障碍,需要加强和重新调整金融科技监管。因此,需要当局和机构之间的全面监管和合作,以便金融科技能够最佳地增强金融包容性。
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引用次数: 6
ICAO’s ROLE IN ENVIRONMENTAL PROTECTION AND ITS SHORTCOMINGS UNDER RAPID GROWTH OF AVIATION INDUSTRY 国际民航组织在环境保护中的作用及其在航空业快速发展下的不足
Pub Date : 2019-09-30 DOI: 10.14710/dilrev.4.2.2019.136-151
Jean Claude Geofrey Mahoro
The growth of the aviation sector has significantly contributed to the global interconnectivity since World War II and presented a strong need for regulation. The Chicago Convention is the first air law that shaped the aviation industry. With that, the United Nations General Assembly set up the International Civil Aviation Organisation (ICAO) with responsibilities that could realise the aviation’s ideal. Despite this development, environmental protection was not a serious concern. However, aviation emissions and noise were later documented to be a serious threat to human health and welfare. ICAO, in its remits, has played a significant role in by establishing a regulatory framework through its policies and standards. With doctrinal method, the researcher discusses those policies and standards in the environmental perspective and their shortcomings in the prevention of GHG emissions and aircraft noise. He also reflects the importance of the United Nations Framework Convention on Climate Change (UNFCCC) 1992 and Kyoto Protocol 1997. Considerably, this paper highlights some areas that need improvements such as ICAO policies and standards’ implementation mechanisms, Global Market-Based Measure (GMBM), Radio Frequency (RF) spectrum, and conventional framework in ICAO. Hence, the researcher recommends respective stakeholders to enhance their partnership by embracing the concept of sustainability in the aviation industry.
自第二次世界大战以来,航空业的发展为全球互联互通做出了重大贡献,并提出了对监管的强烈需求。《芝加哥公约》是影响航空业的第一部航空法。为此,联合国大会成立了国际民用航空组织(ICAO),其职责是实现航空理想。尽管有了这样的发展,但环境保护并不是一个严重的问题。然而,航空排放和噪音后来被证明是对人类健康和福利的严重威胁。民航组织在其职权范围内发挥了重要作用,通过其政策和标准建立了一个管理框架。本文采用理论分析的方法,从环境的角度探讨了这些政策和标准在防止温室气体排放和飞机噪声方面的不足。他还反映了1992年《联合国气候变化框架公约》(UNFCCC)和1997年《京都议定书》的重要性。此外,本文还强调了一些需要改进的领域,如国际民航组织政策和标准的实施机制、全球市场措施(GMBM)、无线电频率(RF)频谱以及国际民航组织的常规框架。因此,研究人员建议各利益相关者通过拥抱航空业的可持续发展概念来加强他们的伙伴关系。
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引用次数: 3
THE LEGAL REFORM OF THE WAQF LAW RESOLUTION BASED ON PANCASILA 基于潘卡西拉的waqf法律决议的法律改革
Pub Date : 2019-09-30 DOI: 10.14710/dilrev.4.2.2019.226-243
Islamiyati Islamiyati, A. Rofiq, Ro’fah Setyowati, Dewi Padusi Daengmuri
Nowadays, there are still some shortages in the rule of law of the waqf disputes resolution, therefore a lot of waqf disputes have not be solved, and moreover it has no justice value since it does not protect the rights of disputing parties. Why the legal renewal of  waqf disputes resolution based on Pancasila is important? The urgency is as the media for the enforcement and the law enactment of  the waqf dispute resolution based on Pancasila. This research is field research, and the approach method is juridical empirical. The result of the research is to explain that the legal reform of waqf dispute resolution is important because the waqf disputes always develope based on the socio-cultural development of the society. Besides, it also saves the waqf assets, gives the values of justice and certainty,makes  the rule of the law not rigid and closed, can finish the waqf disputes, and makes waqf  meaningful in the society. The legal reform  of waqf disputes resolution which is based on Pancasila means making the policy that includes determining and deciding the rules of waqf dispute resolution, hence it will be suitable with the direction of national development based on Pancasila.
目前,waqf纠纷解决的法治化还存在一定的不足,导致很多waqf纠纷没有得到解决,而且由于没有保护纠纷当事人的权利,waqf纠纷解决也没有司法价值。为什么基于Pancasila的waqf纠纷解决的法律更新很重要?迫在眉睫的是作为媒介,以潘卡西拉为基础的waqf纠纷解决的执行和法律制定。本研究为实地调研,研究方法为司法实证。研究的结果是为了说明waqf纠纷解决的法律改革是重要的,因为waqf纠纷总是基于社会的社会文化发展而发展的。此外,它还节省了waqf资产,赋予了正义和确定性的价值,使法治不僵化和封闭,可以解决waqf纠纷,使waqf在社会中具有意义。以Pancasila为基础的waqf纠纷解决的法律改革就是制定包括确定和决定waqf纠纷解决规则在内的政策,因此它将与以Pancasila为基础的国家发展方向相适应。
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引用次数: 1
THE EVALUATION OF SURROGACY’S LEGAL SYSTEM IN INDONESIA AS COMPARISON TO INDIA’S LEGISLATION 比较印度尼西亚与印度的代孕法律制度
Pub Date : 2019-09-30 DOI: 10.14710/dilrev.4.2.2019.167-180
M. .. Ambarwati, G. Kamila
Nowadays, in marriage life, spouse often dealing with big problem as like infertility which make them unable to have offspring. However, due to infertility, the spouse has obtained some efforts to solve their problems. One way to solve the problem is by obtaining surrogacy with the help of surrogate mother. Nevertheless, in Indonesia, especially, surrogacy as well as surrogate mother is still considered to be taboo things and no legal system which regulate the surrogacy and/or surrogate mother. Yet other countries have allowed or legalize the surrogacy practice as well as surrogate mother. Hence, this study aimed to reveal a comparison of legal system on surrogate mother and surrogacy law in Indonesia and India. This study used comparative legal research methodology through the functional method since Indonesia has the same function over the purpose of law establishment on the surrogate mother in India. The result reveals that it needs a legal system on surrogacy and surrogate mother as the legal certainty for any individual especially spouse who could not have offspring along with some reasons such as minimalize prostitution and unregistered marriage, prevent dispute, and to develop scientific field.
如今,在婚姻生活中,夫妻经常面临不孕不育等大问题,导致他们无法生育后代。然而,由于不孕不育,配偶已经获得了一些努力来解决他们的问题。解决这个问题的一种方法是在代孕母亲的帮助下获得代孕。然而,特别是在印度尼西亚,代孕和代孕母亲仍然被认为是禁忌的事情,没有法律制度来规范代孕和/或代孕母亲。然而,其他国家已经允许代孕和代孕母亲的做法或使其合法化。因此,本研究旨在揭示印度尼西亚和印度代孕母亲和代孕法律制度的比较。由于印度尼西亚对代孕母亲的法律制定目的具有与印度相同的功能,因此本研究采用了功能法的比较法律研究方法。结果表明,为了减少卖淫和非法结婚、防止纠纷、发展科学领域等,需要制定法律制度,使代孕和代孕母亲成为个人特别是不能生育的配偶的法律保障。
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引用次数: 0
THE COMPARISON BETWEEN CONVENTIONAL, SHARIA, AND SOCIAL INSURANCE IN INDONESIA 印尼传统、伊斯兰教法和社会保险的比较
Pub Date : 2019-09-30 DOI: 10.14710/dilrev.4.2.2019.209-225
Bagas Heradhyaksa, N. Hikmah
Insurance is a risk transfer agreement from the insured to the guarantor. Insurance is a financial institution whose development is quite rapid, both in the world and in Indonesia. Insurance in Indonesia has three forms, namely conventional, sharia, and social. Social Security Organizing Board in Indonesia named BPJS (Badan Penyelenggara Jaminan Sosial). Although all of them are the forms of insurance but has several differences. The fundamental differences are juridical differences and philosophical differences. The purpose of this study is to determine the juridical differences and philosophies of conventional, sharia, and social insurance. This research uses the juridical normative method. This method is used to analyze differences in conventional, sharia and social insurance by studying legal data related to the field. The results of this study found that the legal basis used in conventional, sharia, social insurance has differences. The philosophy of conventional insurance, sharia, and social also has differences. Therefore, although they are both in the form of insurance, conventional, sharia, and social insurance have significant differences respectively.
保险是一种从被保险人到担保人的风险转移协议。保险是一种发展非常迅速的金融机构,无论是在世界上还是在印尼。印度尼西亚的保险有三种形式,即传统保险、伊斯兰保险和社会保险。印度尼西亚社会保障组织委员会命名为BPJS (Badan Penyelenggara Jaminan society)。虽然它们都是保险的形式,但有几个不同之处。最根本的差异是法律上的差异和哲学上的差异。本研究的目的是确定传统、伊斯兰教法和社会保险的司法差异和哲学。本研究采用法律规范方法。该方法通过研究与该领域相关的法律数据来分析传统、伊斯兰教法和社会保险的差异。本研究结果发现,在传统的、伊斯兰教的社会保险中使用的法律依据存在差异。传统保险、伊斯兰教法和社会保险的理念也存在差异。因此,虽然它们都是保险形式,但传统保险、伊斯兰保险和社会保险分别具有显著差异。
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引用次数: 2
OPTIMALIZATION OF LEGAL PROTECTION FOR FEMALE HOUSEMAIDS IN INDONESIA 印尼女佣法律保护的优化
Pub Date : 2019-09-30 DOI: 10.14710/dilrev.4.2.2019.256-273
Marzellina Hardiyanti, Ani Purwanti
Housemaids are one of the most vulnerable groups to violence and unfair wage. The problem is that, in Indonesia, female comprised 90% of the housemaids, thus making them even more vulnerable. Several cases of physical, psychological, and sexual violence that happened against housemaids are due to discriminative environment. This problem is what urges for the access of justice for female housemaids in Indonesia, thus the focus of this article. The research of this article used the normative legal approach based on literature studies and descriptive analysis towards the problem. The urgency of legal protection for female housemaids in Indonesia is caused by the prevalence of domestic violence and unfair compensation. Therefore, a comprehensive and exhaustive legal framework is needed to provide a sufficient access of justice mechanism for female housemaids, such as a legislative act specified for them. Rehabilitation is also a vital mechanism, especially to housemaids who suffered from violence by providing them temporary shelters, counseling, and protection from retalitation.
女佣是最容易遭受暴力和不公平工资的群体之一。问题是,在印尼,女性占女佣的90%,因此使她们更加脆弱。一些针对女佣的身体、心理和性暴力事件都是由于歧视环境造成的。这一问题是促使印尼女性女佣获得司法救助的原因,因此是本文的重点。本文的研究采用了基于文献研究和描述性分析的规范法学方法。由于家庭暴力的普遍存在和不公平的补偿,印度尼西亚急需对女佣进行法律保护。因此,需要一个全面和详尽的法律框架,为女女佣提供充分的诉诸司法的机制,例如专门为她们制定的立法法案。康复也是一项至关重要的机制,特别是为遭受暴力的女佣提供临时住所、咨询和保护,使她们免受报复。
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引用次数: 1
RISK MANAGEMENT IN THE PROVISION OF PEOPLE’S BUSINESS CREDIT AS IMPLEMENTATION OF PRUDENTIAL PRINCIPLES 风险管理在提供人民商业信用方面贯彻审慎原则
Pub Date : 2019-09-30 DOI: 10.14710/dilrev.4.2.2019.194-208
H. Disemadi
The bank is a financial institution that has an intermediary function that bridges the interests of parties who are excess funds (creditors) and those who need funds (debtors). Banks in channeling funds, among others, through the provision of credit to the public. However, loans issued by banks contain a lot of risk, one of them is People's Business Credit (KUR). Issues regarding the risks of granting credit above will be discussed in this study, which this study uses a normative juridical method using the statutory approach. This study shows the arrangements regarding risk management are regulated in PBI Number 11/25/PBI/2009 concerning the Application of Risk Management in Commercial Banks and in Regulation of the Financial Services Authority Number 18 / POJK.03 / 2016 Regarding the Implementation of Risk Management for Commercial Banks. The implementation of the prudential principle internally for a bank's Human Resources (HR) is to apply the Banking Risk Management Principles. Banking practices usually assess five aspects of debtors (the five C’s analysis), namely: character, capital, capacity, economic conditions and collateral.
银行是一个具有中介功能的金融机构,它在资金过剩者(债权人)和资金需求者(债务人)的利益之间架起了桥梁。银行通过向公众提供信贷等方式引导资金。然而,银行发放的贷款存在着很大的风险,其中之一就是人民商业信用。关于上述授信风险的问题将在本研究中讨论,本研究使用规范性的法律方法使用法定方法。这项研究表明,风险管理的安排在PBI第11/25/PBI/2009号关于商业银行风险管理应用的规定和金融服务管理局第18 / POJK.03 / 2016号关于商业银行风险管理实施的规定中得到了规范。审慎原则在银行人力资源内部的实施就是对银行风险管理原则的应用。银行业务通常评估债务人的五个方面(五个C分析),即:性格、资本、能力、经济条件和抵押品。
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引用次数: 21
REGULATION OF RADIO FREQUENCY SPECTRUM AND ITS IMPLEMENTATION CHALLENGES IN THE PERPECTIVE OF INTERNATIONAL LAW 从国际法的角度看无线电频谱的管制及其实施的挑战
Pub Date : 2019-04-30 DOI: 10.14710/dilrev.4.1.2019.304-316
A. Pramono, Jean Claude Geofrey Mahoro
The radio frequency spectrum is a limited natural resource which is very vital and strategic in the operation of telecomunications. Considering that the radio frequency spectrum is a limited natural resources, its management is regulated internatioanlly by the International Telecomunication Union (ITU), in which details are set out in the radio regulations (RR) as an integal part of the ITU Convention. The study is based on applicable legal regulations and is supported by literature studies. The result of the study indicate that the regulation of the radio frequency spectrum is based on radio regulation, international agreements within the ITU throught the World Radiocommunication Conference forum. The implications of regulating the use off the radio frequency spectrum always take into account the general public needs for the dynamics of the progress in telecomunications technology, of which implementation of its utilization rest on the principle of fairness and equity between regions and efficiency. Therefore, all policies made are directed at creating a market balance, ensuring fair competition between telecomunication operators as a potential to prevent market dominance, as well as protecting consumers.
无线电频谱是一种有限的自然资源,在电信业务中具有重要的战略意义。鉴于无线电频谱是一种有限的自然资源,其管理由国际电信联盟(ITU)在国际上进行管理,其详细内容载于《无线电规则》(RR)中,作为国际电联《公约》的组成部分。本研究以适用的法律法规为依据,并以文献研究为支撑。研究结果表明,无线电频谱的监管是基于无线电监管,即国际电联通过世界无线电通信大会论坛达成的国际协议。管制无线电频谱使用的影响总是考虑到公众对电讯技术进步动态的一般需要,而电讯技术的利用是基于区域之间的公平和公平以及效率的原则。因此,制定的所有政策都是为了创造市场平衡,确保电信运营商之间的公平竞争,作为防止市场垄断的潜力,以及保护消费者。
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引用次数: 0
THE HISTORY OF THE ESTABLISHMENT OF LAW NUMBER 9 OF 2013 REGARDING PREVENTION AND ERADICATION OF TERRORIST FINANCING 关于预防和根除恐怖主义融资的2013年第9号法律的制定历史
Pub Date : 2019-04-30 DOI: 10.14710/DILREV.4.1.2019.60-75
Listawati Listawati
To response to various acts of terror which occurred in various countries, the Financial Action Task Force (FATF) issued a policy in the form of a recommendations that contained a basic framework for the prevention and eradication of criminal acts of terrorist financing that could be universally applied. This implementation of the FATF standard is obligatory for all countries including Indonesia. One component of Indonesia's commitment to implementing the FATF standard is evidenced by the Establishment of Law Number 9 of 2013 concerning the Prevention and Eradication of Terrorist Financing (TPPT Law). In this paper, we will discuss the history of the formation of the TPPT Law detailed with 2 (two) main focuses, namely the process of criminalizing acts of terrorist financing in the TPPT Law and the factors that encouraged the Government of the Republic of Indonesia to draft special regulations related to anti-terrorist financing. The review of the complexity of the two focuses shows the strong commitment of the state to preventing and eradicating terrorist financing crimes
为了应对发生在各国的各种恐怖行为,金融行动特别工作组(FATF)以建议的形式发布了一项政策,其中载有可普遍适用的预防和消除资助恐怖主义犯罪行为的基本框架。包括印度尼西亚在内的所有国家都必须执行FATF标准。印度尼西亚承诺实施FATF标准的一个组成部分是制定2013年关于防止和根除恐怖主义融资的第9号法律(TPPT法)。在本文中,我们将详细讨论《反恐怖主义融资法》的形成历史,主要关注两方面,即《反恐怖主义融资法》将恐怖主义融资行为定为刑事犯罪的过程,以及促使印尼共和国政府起草与反恐融资相关的特别法规的因素。对这两个重点的复杂性的审查表明,国家对预防和消除恐怖主义融资犯罪的坚定承诺
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引用次数: 0
THE FREEDOM OF CONTRACT IN PLANTATION CORE ESTATE AND SMALLHOLDERS 种植园核心庄园和小农的契约自由
Pub Date : 2019-04-30 DOI: 10.14710/DILREV.4.1.2019.34-46
Ermanto Fahamsyah
The Plantation Core Estate and Smallholders (PIR/Perkebunan Inti Rakyat) is a partnership scheme of the estates whereby a large estate acts as the core of development to small local farms in a mutually beneficial, integral, and continous system. Simply put, PIR is one form of contract farming. The PIR scheme was first introduced in by Indonesia government in order to encourage the development in local farms. Moreover, the partnership system is based on patron-client relationship and regulated through a contract in which the large estate is the patron and local farms are the client. However, the PIR system involves state within the contract. The state’s involvement is important so as to safeguard the interests of local farms (client) which are prone to predatory exploitation by the patron (large estate) and thus, balancing the bargaining powers of each party in the contract. This paper problematizes the contractual mechanism of PIR in respect to the freedom of contract. Thus, it can be concluded that the state’s involvement in the PIR shows that the freedom of contract principles are rigged to a degree which restricts some of the patron’s powers such as controls on supply and price in order to protect the local farms from being exploited.
种植园核心庄园和小农(PIR/Perkebunan Inti Rakyat)是一个庄园的合作计划,在一个互利、完整和连续的系统中,大型庄园作为当地小型农场发展的核心。简单地说,PIR是一种合同农业。PIR计划最初是由印度尼西亚政府引入的,目的是鼓励当地农场的发展。此外,合伙制建立在主顾关系的基础上,并通过一种大型庄园为主顾、地方农场为主顾的合同加以规范。然而,PIR系统涉及到合同中的状态。国家的参与很重要,这样可以保护当地农场(客户)的利益,因为这些农场容易受到赞助人(大庄园)的掠夺性剥削,从而平衡合同中各方的议价能力。本文从契约自由的角度对PIR的契约机制提出了质疑。因此,可以得出结论,国家参与PIR表明,合同原则的自由在一定程度上受到操纵,限制了一些赞助人的权力,如控制供应和价格,以保护当地农场不受剥削。
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引用次数: 0
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Diponegoro Law Review
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