Jurnal Online Universitas Pekalongan
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Legal Analysis of the Application of Standard Clauses in Banking Agreements and Their Legal Consequences
Get PDFThe use of standard clauses in an agreement is based on the needs that exist in society. The purpose of making a standard agreement at the Bank is to provide practicality to the parties so as to facilitate and save time in transactions. However, the absence of customer involvement in the preparation of the standard agreement puts the customer in a weak position. In this case the customer does not have the opportunity to negotiate it so that he only has the choice to accept or reject it. However, the standard agreement will only apply if the consumer is willing to obey and submit to any provisions prepared by the business actor. The purpose of this research is to see the legal consequences of banks in the inclusion of standard clauses and the prudential principles of banks in the inclusion of standard clauses in the agreement. The method used in this thesis is normative juridical research, with data collection by library research and related laws and regulations. Based on the results of the research conducted, the form of agreement at the Bank is usually set in a standard form, based on the essence of the agreement, the parties involved have rights and obligations in creating the desired legal relationship. Standard clauses are allowed as long as the contents do not lead to an exoneration clause. In other words, the condition of exoneration is “a condition that specifically relieves the employer from responsibility for adverse consequences arising from the execution of the agreement. An agreement must be executed in good faith”. This means that in every agreement, basically all parties are free in determining the contents of the agreement, deciding with whom to make an agreement, but it must always be based on the principle of good faith, not violating laws and regulations, and not violating the interests of the community. This aims to achieve justice for the parties to the agreement so that there is no exploitation of the weak party.The use of standard clauses in an agreement is based on the needs that exist in society. The purpose of making a standard agreement at the Bank is to provide practicality to the parties so as to facilitate and save time in transactions. However, the absence of customer involvement in the preparation of the standard agreement puts the customer in a weak position. In this case the customer does not have the opportunity to negotiate it so that he only has the choice to accept or reject it. However, the standard agreement will only apply if the consumer is willing to obey and submit to any provisions prepared by the business actor. The purpose of this research is to see the legal consequences of banks in the inclusion of standard clauses and the prudential principles of banks in the inclusion of standard clauses in the agreement. The method used in this thesis is normative juridical research, with data collection by library research and related laws and regulations. Based on the results of the research conducted, the form of agreement at the Bank is usually set in a standard form, based on the essence of the agreement, the parties involved have rights and obligations in creating the desired legal relationship. Standard clauses are allowed as long as the contents do not lead to an exoneration clause. In other words, the condition of exoneration is “a condition that specifically relieves the employer from responsibility for adverse consequences arising from the execution of the agreement. An agreement must be executed in good faith”. This means that in every agreement, basically all parties are free in determining the contents of the agreement, deciding with whom to make an agreement, but it must always be based on the principle of good faith, not violating laws and regulations, and not violating the interests of the community. This aims to achieve justice for the parties to the agreement so that there is no exploitation of the weak party
Perbandingan Penggunaan Agregat Halus Abu Batu Kayu Geritan Dan Pasir Weleri Terhadap Kuat Tekan Beton
Get PDFABSTRACT Concrete is a building material used to support loads in building construction which is composed of cement, coarse aggregate, fine aggregate, water and additional materials if any. The fine aggregates used are stone ash, geritan wood and weleri sand. to find out how the compressive strength compares using the two fine aggregates. This research uses 5 variations of concrete types with each variation having 3 samples with the concrete quality plan being K225 or f\u27c 18.63 MPa, with a mixture of 100% stone ash, 75% stone ash and 25% weleri sand, 50% stone ash and 50% weleri sand, 25% stone ash and 75% weleri sand, and 100% weleri sand. The compressive strength obtained in this research is still in accordance with the planned compressive strength, whether using stone ash or weleri sand. For the use of 100% stone ash, the compressive strength of concrete aged 28 days is 24,179 MPa, while using weleri sand has a compressive strength of 23,106 MPa. So it can be concluded that the tensile strength using stone ash is higher than using weleri san
The Grief and Loss Influence on Personality Changes in the Children\u27s Book "The Heart and The Bottle" by Oliver Jeffers
Get PDFThe Heart and The Bottle is a children\u27s book that tells the story of a girl who has a lot of curiosity. She often spends her time exploring the world with her father. However, she suddenly has to face the grief of her father\u27s death. The objective of this research is to find out how grief affects the main character\u27s personality change. This research will be studied by using the descriptive qualitative method. The main data source is from the narrative in the book The Heart and The Bottle. Based on the findings, it is known that the personality change of the main character occurs gradually. At first, she began to lose interest in what she liked all this time due to the feelings of grief that still lingered over her. At the end of the story, the girl finally begins to open herself up and return to her true self again
DEVELOPING ALYA’S INSTAGRAM REELS IN DISTINGUISHING PROGRESSIVE TENSE TO IMPROVE STUDENTS’ ABILITY IN GRAMMAR: Abstract, Abstrak, Introduction, Methodology, Findings and discussion, Conclusion, References
No full textEnglish learning media at this time is very diverse and develops following the development of technology. Moreover, the use of Instagram media as a medium for learning grammar. This research aimed to explain the diffuclties of students in using progressive tense and the development of Alya\u27s reels instagram as a media in teaching in distinguishing progressive tense to improve students\u27 ability in grammar. The research that was carried out by the researcher is a type of research and development (R&D). The subject of this research were the eleventh grade students that consist of 90 students. The instruments used in this research were questionaries, test, and interviews. The data gathered were analyzed qualitatively and quantitatively. This study was research and development used the Borg and Gall development model which has been adapted to field conditions. The stages used include (a) need analysis, (b) development prelieminary form a product, (c) prelieminary field testing, (d) main revision, (e) main field testing. Validation of instagram reel media was carried out by two subjects, namely material experts and media expert. This research concludes that Alyas’ instagram reel is a valid and affective medium to enhance students’ achievement in grammar learning
Pendampingan Pembuatan Desain Card Sorting Game Pada Topik Aljabar Di MGMP Matematika SMP/MTS Wilayah Koordinator Jatinom Klaten
Get PDFTeachers of MGMP Mathematics SMP/MTs Jatinom Coordinator Area of Klaten have found that many students still fail to complete tasks on algebra material correctly. This clearly shows that students are struggling to learn algebra. On the other hand, we must address the issue of learning mathematics in a play situation, which has become a concern of late. Games are an effective tool for helping students learn and encouraging their participation in an engaging, interactive learning environment. This community service activity will assist teachers in MGMP Mathematics SMP/MTs Jatinom Coordinator Area Klaten in making Card Sorting Games on the topic of algebra. After participating in this activity, teachers will be able to develop learning algebra material in a play situation with the help of card media. Teachers will work in groups to create a Card Sorting Game design on the topic of algebra. They will do this both online and offline. The response of the teachers was positive. They were active participants during the activity
The Resolution of Corruption Crimes with Connectivity Following the Constitutional Court Decision
Get PDFThe resolution of corruption offenses related to connectivity, following the issuance of Constitutional Court Decision Number: 88/PUU-XXI/2023, requires careful scrutiny due to significant changes in case management mechanisms. Previously, the Corruption Eradication Commission (KPK) lacked jurisdiction over connectivity-related corruption cases; however, this ruling has granted it the authority to handle such matters. This research adopts a normative legal approach, utilizing both legislative and conceptual frameworks to examine the issue. Despite the ruling, the handling of connectivity-related offenses—including investigation, prosecution, and adjudication—remains misaligned with existing Indonesian legal frameworks. Currently, case management in this domain involves the Ministry of Defense, the Attorney General\u27s Office, and the Headquarters of the Indonesian National Armed Forces through a permanent connectivity team. This team was established under the Joint Decision of the Minister of Defense Number: 2196/M/XII/2021, the Attorney General Number: 270 of 2021, and the Indonesian National Armed Forces Commander Number: Kep/1135/XII/2021, dated December 7, 2021. However, this decision does not yet integrate the Corruption Eradication Commission (KPK) or the National Police (Indonesian Police). As a result, if the KPK or the Police handle connectivity-related corruption cases, they must be processed separately (splitting), potentially leading to inconsistencies, inefficiencies, and accountability gaps in law enforcement. Such fragmentation could damage public trust in the justice system and negatively impact the reputation of the Indonesian National Armed Forces. If left unaddressed, these inefficiencies may lead to substantial financial losses for the state. The ruling introduces a shift in operational frameworks, emphasizing a collaborative decision-making process involving all relevant institutions, with careful consideration of military concerns
The Impact Of Artificial Intelligence Development On Personal Data Protection In An Effort To Achieve Legal Certainty
Get PDFArtificial Intelligence (AI) has revolutionised various sectors, including law, by providing significant efficiency and innovation. However, this development also presents complex challenges related to data privacy. This research aims to analyse, first, how legal protection of personal data in AI applications can help achieve legal certainty, and second, what efforts are being made to strengthen the legal framework in addressing data privacy challenges posed by AI development. The legal research method used is normative legal research. The findings highlight that improvements are needed in the existing legal framework to be more responsive to AI advancements. Therefore, in order to achieve legal certainty, the legislature must develop more specific regulations regarding the use of AI in the context of personal data protection and establish a task force responsible for public outreach and education to raise public awareness about the importance of personal data protectionKecerdasan Buatan (AI) telah merevolusi berbagai sektor, termasuk hukum, dengan memberikan efisiensi dan inovasi yang signifikan. Namun, perkembangan ini juga menghadirkan tantangan yang kompleks terkait privasi data. Penelitian ini bertujuan untuk menganalisis, pertama, bagaimana perlindungan hukum terhadap data pribadi dalam aplikasi AI dapat membantu tercapainya kepastian hukum, dan kedua, upaya-upaya apa saja yang dilakukan untuk memperkuat kerangka hukum dalam menjawab tantangan privasi data yang ditimbulkan oleh perkembangan AI. Metode penelitian hukum yang digunakan adalah penelitian hukum normatif. Hasil penelitian menunjukkan bahwa diperlukan perbaikan dalam kerangka hukum yang ada agar lebih responsif terhadap perkembangan AI. Oleh karena itu, untuk mencapai kepastian hukum, legislatif harus mengembangkan peraturan yang lebih spesifik mengenai penggunaan AI dalam konteks perlindungan data pribadi dan membentuk gugus tugas yang bertanggung jawab atas penjangkauan dan pendidikan publik untuk meningkatkan kesadaran masyarakat tentang pentingnya perlindungan data pribad
EVALUATING THE CONCEPT OF ESSENTIALLY DERIVED VARITIES TO PROTECT ECONOMIC INTEREST OF BREEDERS/RIGHTS HOLDER AND FOSTER DEVELOPMENT OF PLANT VARIETY INNOVATION IN INDONESIA
Get PDFThe development of modern biotechnology has introduced the concept of essentially derived variety (EDV) protection. However, its regulation in Indonesia led to ambiguity regarding the protected parties. Both EDV and initial variety breeders/holders perceive a lack of adequate protection, potentially causing economic losses. To analyze the legal gap, this study employs judicial-normative methods by examining Indonesian Positive Law and international instruments and proposing an ideal protection framework. The findings reveal moderate differences between national and international laws. There is a remuneration policy provided by EDV breeders/holders and/or reversed burden of proof mechanism in proving essential characteristics as stipulated in the 1991 UPOV Convention, neither of which are yet regulated under Indonesian legislation. Therefore, legislators must harmonize regulations and the PVP Office should take a more proactive approach to protecting breeders/holders, including the use of local varieties. As a result, the existing concept will be more optimal in ensuring interests of related parties.Perkembangan bioteknologi modern melatarbelakangi konsep perlindungan varietas turunan esensial (VTE). Pengaturan perlindungannya di Indonesia menimbulkan amiguitas pihak yang sebenarnya dilindungi. Pemulia/pemegang hak VTE berpandangan tidak adanya pemberian perlindungan terhadapnya dan justru menimbulkan kerugian ekonomi, begitu pula pemulia/pemegang hak varietas asal. Guna menganalisis kesenjangan hukum tersebut, dipergunakan metode penelitian yuridis-normatif dalam mengkaji Hukum Positif Indonesia dan instrumen hukum internasional terkait serta mencari konsep perlindungan yang ideal untuk diimplementasikan. Adapun hasil penelitian menunjukan adanya perbedaan konsep perlindungan VTE di tingkat nasional dan internasional. Terdapat pilihan untuk pemulia/pemegang hak VTE dapat pemberian imbalan. Selain itu, adanya pengaturan penerapan mekanisme pembuktian terbalik (reversed burden of proof) dalam pembuktian karakteristik esensial sebagaimana diatur UPOV Convention 1991. Namun hal-hal tersebut belum diatur dalam peraturan perundang-undangan Indonesia. Oleh karenanya, legislator perlu menyelaraskan pengaturan dan kantor PVT lebih proaktif melindungi pemulia/pemegang hak, termasuk tetapi tidak terbatas atas penggunaan varietas lokal. Dengan demikian, konsep yang ada akan lebih optimal melindungi kepentingan ekonomi para pemulia/pemegang hak atas pemuliaan VTE
Press Freedom with Press Accountability: Indonesian Experience
Get PDFFreedom of the press is another side of press accountability. The press must obey the ethics of the press profession regulated by the press organization. Meanwhile, journalistic work is within the corridor of laws and regulations governing the press. On the one hand, the press works in the spirit of freedom, on the other hand, the press also demands accountability. This study shows that the Indonesian press was free after the end of the Soeharto Authoritarian Government. However, the gift of press freedom was also faced with various violations of the ethics of the press profession, which led to legal problems. The researcher used a normative legal research methodology. This study uses a normative research methodology. This study concludes that in addition to "freedom of the press", journalistic work is also required to obey the ethics of the journalistic profession regulated by the press organization
The Urgency Of Establishing Independent State Institutions In The State System In Indonesia
Get PDFThe essence of this research is to examine the urgency of establishing various independent state institutions in the constitutional system in Indonesia, as well as their correlation in achieving state goals. The method in this research uses normative juridical research (studiPustaka) which is research that examines document studies using various secondary data such as statutory regulations, court decisions, legal theory, and can be the opinions of scholars. Meanwhile, the research type is descriptive qualitative. The results of the research show that the formation of state institutions in the constitutional system in post-reform Indonesia has seen a lot of growth and decline in independent state institutions, this is greatly influenced by the power holders, and also depends on the legal basis for the formation of these state institutions, especially independent state institutions whose regulations are under the law. After the reform, the formation of independent state institutions occurred through Laws/Perpu, Presidential Regulations, Government Regulations and other government regulations with different names. State institutional arrangements that do not have strong legitimacy result in independent state institutions being easily dissolve