KARYA ILMIAH ZETRIA ERMA

29
JURIDICAL STUDY OF THE IMPLEMENTATION OF PAWNING OF 
AGRICULTURAL LAND SEEN FROM THE PERSPECTIVE OF 
CUSTOMARY LAW IN PARBULUAN DISTRICT, DAIRI REGENCY 
Zetrar Erma1, Muhammad Nurohim2
1,2Universitas Pembinaan Masyarakat Indonesia
*Corresponding Author Email : zetriaerma0@gmail.com

Abstract
Objectives study this is Juridical Studies Implementation of Agricultural Land Pawning Viewed from the Perspective of Customary Law in the District Parbuluan. Pawn land agriculture in Sigalingging Village, District Parbuluan, Regency Dairy Still considered as local wisdom society that has accomplished in a way hereditary in a way custom. So that form its implementation Still done in a way custom and considered as form attitude each other Help when in circumstances pressed. Legal society custom in Sigalingging Village, District Parbuluan, Regency Dairy Already used to with pawn process land agriculture there, and considered the process more makes it easier than rule law national. Process implementation pawn land agriculture in matter This redemption pawn Agricultural land still contains elements of extortion due to the implementation of mortgaging agricultural land for the people of Sigalingging Village, District Parbuluan, Regency Dairi practices customary law as binding law. Implementation of agricultural land pawning based on Law no. 56 Prp of 1960 concerning Determination of Agricultural Land Area in Sigalingging Village, District Parbuluan, Regency Dairi goes through several stages including the division of territory, the contents of the agreement, the rights and obligations of the pawnee recipient. Implementation of agricultural land pawning based on Law no. 56 Prp of 1960 concerning Determination of Agricultural Land Area in Sigalingging Village, District Parbuluan, and Regency Dairi has obstacles in carrying out agricultural land pawning transactions. These obstacles come from the first, the party giving the pledge, the second, the party receiving the pledge, while the third is custom as the holder of agrarian law customs.
Keywords: Agriculture, Land Pawning, Customary Law, Agrarian Law no. 5 of 1960

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LEGALIZATION OF ELECTRONIC BUSINESS CONTRACTS WITH
THE USE OF ELECTRONIC STAMPS
Zetria Erma1, Yulkarnaini Siregar2, Pangeran3
1,2Faculty of Law, Legal Studies Program, Universitas Pembinaan Masyarakat Indonesia
3Sekolah Tinggi Ilmu Ekonomi Graha Kirana Medan 
Email : zetriaermaupmi2018@gmail.com

Abstract
Humans are social beings who really need other humans to fulfill various kinds of necessities of life, especially in the economic field. Technological developments have had a very large influence on legal relations in the economic field in society, where at first they were only carried out by individuals with the sole aim of fulfilling needs, turning into activities that are also carried out by groups to seek profit. These activities are known as business terms which include production, sales, purchases, exchange of goods and services and others. Business relations in modern society aim to exchange interests. Roscoe Pound provides a definition of “interest” or “interest” is “a demand or desire which human beings, either individually or through groups or associations in relations seek to satisfy” (interest as a demand or desire that humans want to satisfy, either individually or groups or associations). Through business relationships, the exchange of interests of the parties is always stated in the form of a contract considering that every step of business is a legal step (contract content). An important moment in the process of forming or closing an agreement is the meeting of wills, the interlocking of each statement of will as conveyed by one party to the other in a reciprocal manner and as understood by each of them.
Keywords: Electronic Stamps; Business Contracts; Business

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RIGHTS OF BANKRUPT DEBTORS IN THE MANAGEMENT AND 
SETTLEMENT PROCESS IN ACCORDANCE WITH LAW NUMBER 
37 OF 2004 CONCERNING BANKRUPTCY AND PKPU
Muhammad Nurohim1, Zetria Erma2
1,2Dosen Fakultas Hukum, Universitas Pembinaan Masyarakat Indonesia
Email : zetriaermaupmi2018@gmail.com

Abstract
The debtor’s rights in the process of settling bankruptcy assets are very weak, where the debtor will lose his rights to control and manage his assets which are included in bankruptcy assets as stipulated in Article 24 Paragraph (1) of the Bankruptcy Law. However, in the event that the debtor is declared bankrupt, the law gives the debtor the right to submit a reconciliation plan, submit a postponement of debt payment obligations and submit an appeal and review, all of which are efforts to protect the rights of the debtor. In the process of settling bankruptcy assets, the legal protection for debtors’ rights is quite weak. Because since the pronouncement of the bankruptcy declaration decision by the court, the debtor will lose the right to manage his assets which are included as bankruptcy assets. As a result, the debtor is no longer able to legally act on his assets that are included in the bankruptcy estate, in this case the management of bankruptcy assets becomes the authority of the curator and/or BHP.
Keywords: Debtor’s Rights, Settlement and Management, Bankruptcy Law and PKPU

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The Role of Judges in Criminal Case Trials as Modification
and Reform of Criminal Law
Septianus Hia1 , Felianus Ndruru2, Zetria Erma3
1,2Faculty of Law, Universitas Pembinaan Masyarakat Indonesia

Abstract
Judges as modifiers and reformers of law mean that judges act as law inventors (recht vinding), in accordance with cultural values that live in society, especially Five pillars values. The aim of this research is to find out the role of judges as modifiers and law reformers who can be a reference for justice seekers and as jurisprudence for law enforcers. The type of research in this paper is normative with a statutory and conceptual approach. Meanwhile, the specification of this research is analytical descriptive. The data used is secondary data consisting of primary legal materials in the form of the 1945 Constitution, Law no. 48 of 2009 concerning judicial power, and secondary legal materials such as books, journals, and writings related to research titles. The role of judges in deciding criminal cases is expected to fulfill a sense of justice for society. In deciding a case, judges have freedom and power, therefore, apart from paying attention to the provisions written in the law, judges also use instinct, namely based on the judge’s beliefs and the sense of justice in society. This is in line with the idea of a progressive type of law enforcement. For this reason, it is suggested that judges and constitutional judges must explore, follow, and understand legal values and a sense of justice that live in society and pay attention to the principles of justice and legal certainty.
Keywords: Case; Criminal; Judge; Justice; Law.

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Land Grant to Adopted Children, a Court Case Study
Zetria Erma1, Taufika Hidayati2
1,2Department of Law, Faculty of Law,  Universitas Pembinaan Masyarakat Indonesia

Abstract
A gift is a free and irrevocable gift from one person to another person regarding movable goods through a Notarial deed or immovable goods under a deed from the Land Deed Official (PPAT) while the grantor is still alive. Gifts can only be made on existing objects, in contrast to inheritance which makes it possible to inherit existing assets, for example insurance coverage money. Even though the rules regarding gifts are clear, problems still often arise where heirs do not agree if the heir’s assets are gifted to other people who are not related to the heir, including adopted children. Through descriptive analytical research, the article aims to find out the conditions regarding grants and the maximum share that grant recipients are entitled to get even if they are not heirs such as adopted children.
Keywords: Adopted Child; Land Grants; Court Case.

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Legal review of airport pass service at the airport authority 
office in region ii medan when entering the security restricted 
area
Silvianda1, Ivan Manahan Sihombing2, Zetria Erma3
1,2,3Faculty of Law, Universitas Pembinaan Masyarakat Indonesia, Medan

Abstract
Airport Pass is an entry permit sign for individuals, vehicles, cargo and posts that will enter the Security Restricted Area, the requirements for obtaining which have been regulated in regulations issued by the Government. The purpose of this research is to conduct a legal review of the Airport Pass service at the Airport Authority Office in Region II Medan when entering the Security Restricted Area. The type of research in this paper is normative with a statutory and conceptual approach. While the specification of the research is analytical descriptive, namely explaining the problem according to the research title. The data used is secondary data which consists of primary legal materials in the form of Law No. 25 of 2009, Law No. 1 of 2009, Permenhub No. PM 33 TAHUN 2015, Permenhub No.PM 167 Year 2015, Permenhub No. PM 178 of 2015 and secondary legal materials in the form of books, journals, electronic news, and opinions of legal experts, laws and regulations, and writings related to research titles. Legal review of Airport Pass services at the Airport Authority Office in Region II Medan as a public service provider. Therefore, it is suggested to all partners or certain parties who already have an Airport Pass to always use it when entering the airport location and follow the usage regulations that have been set according to the mandate of the law regarding public services. Administrative sanctions for those who violate it for the sake of creating security and order in carrying out services in the Airport Region II Medan area.
Keywords: Airport Pass; Legal: Restricted; Region II; Medan;

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Franchise Registration in the Perspective of Regulation of the Minister of
Trade Number 71 of 2019

Nirwana Dewi Harahap1, Zetria Erma2
1Department of Accounting, Sekolah Tinggi Ilmu Ekonomi [STIE] ITMI, Medan, Indonesia
2Faculty of Law, Universitas Pembinaan Masyarakat Indonesia [UPMI] Medan, Indonesia

Abstract :
The franchise business is one of the most visible concrete examples in export and import trade between countries globally. To guarantee the interests of the parties, this business needs to be registered in accordance with the applicable laws and regulations. This type of research is normative with a conceptual and statutory approach. The data used is secondary data consisting of primary, secondary and tertiary legal materials. In Article 11 of the Minister of Trade Regulation Number 71 of 2019 concerning Franchise Management, it is stated that a Franchise Registration Certificate (STPW) is issued by the OSS Institution for and on behalf of the Minister or Regents and Mayors. STWT application process submitted through the Online Single Submission (OSS) Institution. For this reason, it is recommended that the franchisor and franchisee register their businesses in accordance with applicable regulations and that local governments are more active in socializing franchise registration and exercising tighter supervision of franchisors and franchisees who do not register their businesses.
Keywords: Franchise Registration; Persepective; Regulation.

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Underage Marriage in Teenagers Judging from Law Number 16 of 2019
Zetria Erma1, Yulkarnaini2
1,2Faculty of Law, Universitas Pembinaan Masyarakat Indonesia, Medan

Abstract:
Marriage can be carried out by both men and women who are old enough. The purpose of this study is to identify and analyze the factors that cause underage marriage in Indonesia and underage marriage in adolescents in terms of Law Number 16 of 2019. This type of research is normative with a legal approach. The type of data used is secondary data consisting of primary, secondary and tertiary legal materials, while data analysis is carried out qualitatively. Factors that cause underage marriages in Indonesia are religion and culture, economy, education, already pregnant, the will of parents, their own will, customs and culture, feeling that they have been able to take responsibility, promiscuity, closing shame, arranged marriages, worship and social media. Meanwhile, underage marriages in adolescents according to Law Number 16 of 2019 are marriages carried out by boys and girls who are under the age of 19 (nineteen) years. In practice, it is mostly done by teenagers between the ages of 12 (twelve) to 19 (nineteen) years. This should not be done but if something unwanted happens and to protect the rights of children, especially girls, a marriage dispensation can be requested at the religious court.
Keywords: Marriage; Underage; Youth.

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Mandailing Customary Marriage Law in Terms of Law 16 of
2019 Concerning Amendments to Law No.1 of 1974
Dewi Robiyanti1, Zetria Erma2, Ismayani3, Yusuf Hanafi Pasaribu4
1,2,3,4Universitas Pembinaan Masyarakat Indonesia Medan 
5Accounting Department, STIE ITMI Medan, Indonesia 
Email : dewirobiyanti071188@gmail.com, zetriaermaupmi2018@gmail.com
ismayani2@gmail.com, yusufhanafipsb2@gmail.com, 
nirwanadewiharahap724@gmail.com

Abstract
The aims of this study is to find out Mandailing Customary Marriage Law in terms of Law 16 of 2019. This study used qualitative research. The result of this study shows that That the dowry is part of the marriage custom of the Mandailing tribe, but in practice it has experienced a shift in value. Both from the substantive meaning and in its application. This is indicated by the practice that distinguishes between the marriage dowry to fulfill the provisions of the marriage and the tuor to fulfill the customary provisions. 2. Dowry is a gift from a prospective husband to a prospective wife based on simplicity and convenience. Although the delivery is carried out in cash, there is still an opportunity for the prospective husband to postpone part of the agreed dowry amount. 3. In the marriage agreement, it is very possible that the dowry is included in the category of gifts that can be paid not only in cash. Thus, disputes regarding dowry can become the authority of the Religious Courts.
Keywords : Mandailing; customary marriage; Law

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Gayo Lues Traditional Law Regarding Community Order 
for Visitors at Sarah Juli Hotel
Dewi Robiyanti1, Zetria Erma2, Yulkarnaini Siregar3, Erwin Hamonangan Pane4, Syabri5
1,2,3Universitas Pembinaan Masyarakat Indonesia
4STAI Barumun Raya, Indonesia
5Satuan Pol Pamong Praja Gayo Lues, Indonesia
Email : dewirobiyanti071188@gmail.com, zetriaermaupmi2018@gmail.com, yulkarnainis@gmail.com
erwinhamonanganpane@gmail.com, syabri2021@gmail.com

ABSTRACT
The prohibition of seclusion is an early prevention of adultery because the act of adultery basically starts from the things that lead to it. The ratification of Qanun No. 14 of 2003 concerning Seclusion at the beginning of the application of Islamic law in Aceh as a qanun in the field of jina>ya>t was not without reason, the selection of the qanun had at least two reasons. The first reason, the act of seclusion is a form of immorality (haram) in Islamic law and is very disturbing to the community but has not been handled properly. Second, the existence of euphoria within the community in the form of ‘people’s justice’ against the types regulated in this qanun jina>ya>t, in order to avoid taking vigilantes in the midst of society, the Aceh Government ratified Qanun No. 14 of 2003 as a form of anticipation to various disturbances in Acehnese society.
Keywords: Traditional law; community; visitor hotel

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Pengaruh Harga, Produk dan Lokasi Terhadap Loyalitas 
Konsumen Melalui Undang-Undang Perlindungan
Konsumen Pada CV. Triple Delapan Group
Anto Tulim1, Zetria Erma2, Monika Ellis Sukma3
1Dosen Tetap S-1 Manajemen, Sekolah Tinggi Ilmu Ekonomi ITMI Medan
2Dosen Tetap S-1 Hukum, Universitas Pembinaan Masyarakat Indonesia Medan
3Dosen Mahasiswa S-1 Manajemen, Sekolah Tinggi Ilmu Ekonomi ITMI Medan
Email : antotulim@yahoo.com, zetriaermaupmi2018@gmail.com dan 
monikaellis98@gmail.com

Abstract
Consumer loyalty are influenced by price, product and location factors. Companies must have competitive prices, have quality products and have a strategic location in other can be increased consumer loyalty. Price is the amount of money that has been agreed upon by prospective buyers and sellers to be exchanged for goods or services in a business transaction. Products are all things that can fulfill and satisfy human needs or desires, both tangible and intangible. Location is one of the initial activities that must be carried out before the company starts operating determining the right location will affect the company’s ability to serve consumers. Consumer loyalty is a consumer’s commitment to a product or service by making routine purchases more than twice. Prices that can be reached by consumers, products that are in accordance with their benefits and a location located in the city center will increase consumer loyalty. The purpose of this study was to determine or analyze the effect of price, product and location towards consumer loyalty at CV. Triple Delapan Group Medan. This research was conducted at CV. Triple Delapan Group Medan. The type of research used is descriptive quantitative research. The results showed that price, product and location had a positive and significant effect both partially and simultaneously towards consumer loyalty at CV. Triple Delapan Group Medan. The adjusted R square value of 90.7% indicates that the variable ability of price (X1), product (X2) and location (X3) affects consumer loyalty (Y) at CV. Triple Delapan Group Medan while the remaining 9.3% is the influence of other independent variables that are not explained or not examined by researchers in this study such as promotion, service quality or consumer purchase interest variables.
Keyword : Price, Product, Location and Consumer Loyalty

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KEABSAHAN PERJANJIAN SEWA RAHIM [SURROGATE MOTHER]
DITINJAU DARI PASAL 1320 KUH PERDATA
Zetria Erma1 , Anto Tulim2, Asmaiyani3, Andi4
1,3Dosen Tetap Fakultas Hukum, Universitas Pembinaan Masyarakat Indonesia, Medan
2Dosen Tetap Jurusan Manajemen, STIE ITMI Medan
4Mahasiswa Fakultas Hukum Universitas Pembinaan Masyarakat Indonesia, Medan
Email : zetriaermaupmi2018@gmail.com1, antosintatulim@gmail.com2,
asmaiyanimaya@gmail.com3, andindi26091999@gmail.com4

Abstrak
Sewa rahim [surrogate mother] adalah salah satu cara teknik bayi tabung yang merupakan cara non alamiah bagi pasangan suami istri untuk mendapatkan keturunan. Tujuan penelitian adalah untuk mengetahui keabsahan perjanjian sewa rahim ditinjau dari pasal 1320 KUH Perdata. Jenis penelitian dalam tulisan ini adalah normatif dengan pendekatan undang-undang dan konseptual]. Sedangkan spesifikasi penelitian adalah deskriptif. Data yang digunakan data sekunder yang terdiri dari bahan hukum primer berupa peraturan perundang-undangan  seperti KUH Perdata, UU No 36 Tahun 2009 tentang kesehatan, Peraturan Menteri Kesehatan Nomor 039 Menkes/Sk/2010 Tentang Penyelenggaraan Pelayanan Teknologi Reproduksi Berbantu, Peraturan Pemerintah Nomor 61 Tahun 2014 Tentang Kesehatan Reproduksi dan bahan hukum sekunder berupa buku-buku, jurnal-jurnal dan tulisan-tulisan yang berhubungan dengan judul penelitian. Keabsahan perjanjian sewa rahim [surrogate mother] ditinjau dari pasal 1320 KUH Perdata adalah tidak sesuai dengan syarat sah yang ke 3 [tiga] yaitu adanya objek tertentu dimana rahim bukanlah barang yang bisa dijadikan sebagai obyek perjanjian dan bertentangan dengan syarat sah yang ke 4 [empat] yaitu sebab [causa] yang halal karena bertentangan dengan peraturan perundang-undangan, ketertiban umum dan kesusilaan. Untuk itu disarankan bagi pasangan suami istri yang tidak bisa mendapatkan keturunan untuk tidak melakukan teknik sewa rahim [surrogate mother] dan dapat memilih cara lain yaitu dengan pengangkatan anak [adopsi] dan teknik bayi tabung yang sesuai dengan peraturan perundang-undangan.
Kata Kunci : Perjanjian, Sewa Rahim, Pasal 1320, KUH Perdata

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Upaya Penanggulangan Penyalahgunaan Narkotika oleh Remaja 
di Kelurahan Petisah Tengah Medan
Yulkarnaini1, Zetria Erma2*
1,2Universitas Pembinaan Masyarakat Indonesia 
*Corresponding Author : zetriaermaupmi2018@gmail.com

Abstract
Drug abuse by teenagers in the Kelurahan is quite high. The purpose of this study was to identify and analyze the factors that led to the occurrence of criminal acts of narcotics abuse by adolescents in the Central Petisah Village and the efforts made by the Medan Baru Police in tackling the occurrence of narcotics abuse by adolescents in the Central Petisah Village. This type of research is empirical with a sociological approach. The data used are primary and secondary data. Factors causing teenagers in the Petisah Subdistrict, Central Petisah Village to commit narcotics abuse crimes are due to internal and external factors from teenagers. The efforts of the Medan Baru Police in preventing criminal acts of narcotics abuse consist of preventive and repressive measures. For this reason, it is recommended that adolescents in the Central Petisah Village be more careful in choosing relationships, for parents to better monitor their children’s behavior, always give more attention to their children and the Medan Baru Police so that they can continue to uncover drug dealer networks and carry out patrols in the area. jurisdiction and raid nightclubs in order to stop the drug trafficking.
Keywords: Effort; Countermeasures; Narcotics; Teenager

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PENEGAKAN HUKUM DALAM PENANGANAN PENYEBARAN VIRUS
CORONA [COVID-19] SEBAGAI UPAYA UNTUK MENINGKATKAN
PERTUMBUHAN EKONOMI DI KOTA MEDAN
Anto Tulim1, Zetria Erma2, Yuanita3
1Dosen Tetap Jurusan Manajemen, STIE ITMI Medan
2Dosen Tetap Fakultas Hukum Universitas Pembinaan Masyarakat Indonesia
3Dosen Tetap Jurusan Manajemen, Fakultas Ekonomi, UPMI Medan
Email : antotulim@yahoo.com, zetriaermaupmi2018@gmail.com
yuanitaasdom@gmail.com

Abstrak
Virus corona [Covid-19] telah membawa dampak yang sangat besar terhadap pertumbuhan ekonomi indonesia umumnya dan kota Medan khususnya. Penelitian ini bertujuan untuk mengetahui penegakan hukum dalam penanganan penyebaran virus corona [Covid-19] sebagai upaya untuk meningkatkan pertumbuhan ekonomi di Kota Medan. Jenis penelitian ini adalah normatif dengan menggunakan data sekunder. Penegakan hukum yang dilakukan pemerintah Kota Medan adalah dengan mengeluarkan Peraturan Wali Kota Medan No 27 Tahun 2020 sebagai upaya yang bersifat preventif yaitu kebijakan tentang protokol kesehatan dengan teknik koersif, informatif, canalizing, edukatif, persuasif dan redudansi dengan melakukan strategi komunikasi kepada masyarakat dan bersifat represif yang memberikan sanksi untuk memberikan efek jera bagi pelanggarannya sehingga masyarakat dapat meningkatkan pemberdayaannya untuk meningkatkan pertumbuhan ekonomi yang cenderung sangat rendah dan menurun. Selain itu Pemko Medan juga melakukan kerjasama dengan KADIN untuk membangkitkan UMKM. Disarankan agar masyarakat meningkatkan kesadarannya untuk mematuhi peraturan tentang protokol kesehatan dan pemerintah daerah beserta apaturnya memberikan sanksi yang tegas bagi pelanggarnya sehingga bisa membantu masyarakat untuk mengembangkan usaha dalam rangka meningkatkan pertumbuhan ekonomi terutama UMKM
Kata Kunci: Penegakan; Hukum; Covid 19; Pertumbuhan; ekonomi.

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JABATAN YANG DAPAT DIDUDUKI OLEH TENAGA KERJA ASING DALAM 
PERSPEKTIF KEPUTUSAN MENTERI KETENAGAKERJAAN NOMOR 228 
TAHUN 2019
Zetria Erma1 
Yuanita2 
Anto Tulim3
1,2Universitas Pembinaan Masyarakat Indonesia
3STIE ITMI
Email : zetriaermaupmi2018@gmail.com

Abstrak
Mempekerjakan tenaga kerja asing adalan hal yang tidak dapat dihindari sebagai akibat dari pengaruh globalisasi. Keberadaan tenaga kerja asing yang bekerja di Indonesia adalah dalam rangka alih teknologi dan alih keahlian serta hanya menduduki jabatan tertentu dan untuk jangka waktu tertentu. Permasalahan adalah pengaruh Keputusan Menteri Ketenagakerjaan No. 228 Tahun 2019 tentang Jabatan Tertentu yang Dapat Diduduki Oleh Tenaga Kerja Asing terhadap tenaga kerja Indonesia. Jenis penelitian dalam tulisan ini adalah normatif. Sedangkan spesifikasi penelitian adalah deskriptif analitis. Data yang digunakan data sekunder yang terdiri dari bahan hukum primer dan sekunder. Metode analisis data adalah kualitatif. Pengaruh Keputusan Menteri KetenagakerjaanNo. 228 Tahun 2019 terhadap tenaga kerja Indonesia adalah mengurangi peluang kerja bagi tenaga kerja Indonesia karena semakin banyaknya dibuka jabatan yang dapat diduduki oleh tenaga kerja asing. Untuk itu disarankan agar peraturan ini bisa ditinjau ulang dan dilakukan uji materil kepada Mahkamah Agung karena bertentangan dengan filosofi penempatan tenaga kerja asing yang diatur dalam Undang-undang Ketenagakerjaan.
Kata Kunci: Jabatan, Tenaga Kerja Asing

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PERLINDUNGAN HUKUM TERHADAP PELANGGARAN KERAHASIAAN DATA
PRIBADI NASABAH YANG DILAKUKAN OLEH PEGAWAI BANK PADA PT.
BANK MANDIRI [PERSERO] TBK. SME REGION 1 SUMATERA 1
Zetria Erma1, Mhd. Mahendra M. Sinaga2, Olanda Karla Pili3
1,2Dosen Tetap Fakultas Hukum Universitas Pembinaan Masyarakat Indonesia
3Fakultas Hukum Universitas Pembinaan Masyarakat Indonesia
Email : zetriaermaupmi2018@gmail.com, mahendra.globiz@gmail.com
olamandiri@gmail.com

Abstrak
Data pribadi nasabah merupakan bagian dari rahasia bank yang harus mendapat perlindungan hukum dan dijaga dengan baik oleh pihak bank. Kenyataannya banyak terjadi kasus dimana pihak ketiga dapat memperoleh data pribadi nasabah dengan mudah dari oknum pegawai bank. Hal ini akan menimbulkan kerugian tidak hanya bagi nasabah tetapi juga pihak bank yang dalam kedudukannya sebagai lembaga jasa keuangan yang membutuhkan kepercayaan masyarakat. Pihak nasabah pun berhak untuk meminta pertanggungjawaban dari pihak bank. Penelitian yang digunakan adalah penelitian normatif empiris. Sedangkan spesifikasi penelitian adalah deskriptif analitis. Data yang digunakan adalah data primer dan data sekunder. Data primer diperoleh melalui wawancara dengan nasabah dan pimpinan PT Bank Mandiri [persero] Tbk. SME Region I Sumatera I dalam bentuk bebas dan terpimpin. Sedangkan data sekunder diperoleh dari studi kepustakaan yang terdiri dari bahan hukum primer, bahan hukum sekunder dan bahan hukum tersier. Metode analisis data dilakukan secara kualitatif. Perlindungan hukum terhadap kerahasiaan data nasabah terwujud melalui mekanisme layanan pengaduan nasabah berdasarkan peraturan Bank Indonesia Nomor 7/7/PBI/2005 tentang penyelesaian pengaduan nasabah sebagaimana telah diubah dengan Peraturan Bank Indonesia Nomor 10/10/PBI/2008 dan Peraturan Otoritas Jasa Keuangan [POJK] Nomor 1/POJK.07/2013 Tahun 2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan. Sedangkan tanggungjawab PT. Bank Mandiri [Persero] Tbk. SME Region I Sumatera I atas pelanggaran kerahasiaan data pribadi nasabah yang dilakukan oleh pegawai bank adalah dapat dilakukan dalam bentuk pertanggungjawaban pidana, perdata dan administrasi. Untuk itu disarankan agar pihak bank agar lebih memperketat pengawasan dalam menjaga kerahasiaan bank guna meningkatkan kerpercayaan masyarakat dalam melakukan transaksi perbankan dan untuk lebih menjamin kepastian hukum bagi nasabah pemerintah dan DPR perlu secepatnya mengeluarkan Undang-Undang tentang Perlindungan Data Pribadi.
Kata Kunci: Perlindungan Hukum, Data, Pribadi

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POLIGAMI BAGI ANGGOTA KEPOLISIAN YANG BERAGAMA ISLAM 
DALAM PERSPEKTIF HUKUM PERKAWINAN
Zetria Erma1, Yulkarnaini Siregar2
1,2Program Studi Ilmu Hukum, Fakultas Hukum, Universitas Pembinaan Masyarakat Indonesia
Email Korespondensi : zetriaermaupmi2018@gmail.com

Abstrak
Praktek poligami bisa dilaksanakan oleh semua lapisan masyarakat termasuk bagi anggota kepolisian. Tujuan penelitian ini untuk mengetahui aturan poligami bagi anggota kepolisian ditinjau dari hukum perkawinan. Jenis penelitian dalam tulisan ini adalah normatif dengan pendekatan perundang-undangan dan konseptual. Spesifikasi penelitian adalah deskriptif analitis. Data yang digunakan sekunder yang terdiri dari bahan hukum primer dan bahan hukum sekunder. Metode analisis data dilakukan secara kualitatif. Aturan poligami bagi anggota kepolisian yang beragama Islam diatur dalam Pasal 4 ayat (1) Peraturan Kepolisian Negara Republik Indonesia No 6 Tahun 2018 dimana anggota kepolisian dilarang untuk berpoligami dan hanya diizinkan mempunyai seorang istri. Untuk itu disarankan agar anggota kepolisian yang beragama Islam tidak melakukan poligami karena sanksinya cukup berat
Kata Kunci: Poligami, anggota, kepolisian, hukum, perkawinan.

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BUKU MONOGRAF

PERLINDUNGAN TERHADAP HAK ANAK
Penerbit : CV. ZT CORPORA
ISBN : 978-623-5400-59-4
Penulis : Zetria Erma, SH.,M.Hum
 
Terbit : Maret 2023
Buku : Pdf