Rachmadi Usman

Bio: Rachmadi Usman is an academic researcher from Lambung Mangkurat University. The author has contributed to research in topics: Economic rent & Electronic money. The author has an hindex of 2, co-authored 3 publications receiving 23 citations.

Karakteristik uang elektronik dalam sistem pembayaran

Abstract: Payment transactions with electronic money were conducted by transferring the fund electronically to merchant terminal, which would directly subtract the value of electronic money on electronic device managed by the owner. The characteristic of electronic money are as follows: to be deposited in advance to the issuer; the sum of money is electronically deposited in a particular medium, it can be card or other communication instrument; its function is as a non cash payment instrument to merchant not to the issuer of electronic money; and the sum of electronic money does not constitute saving product because it does not include in those guaranteed by Deposit Guarantor and it is not given any interest or reward. Electronic money is essentially cashless money, whose monetary value comes from the value of money deposited in advance to the publisher, then stored electronically in an electronic media such as server (hard drive) or chip card, which functions as a Non-cash payment instrument to the non-electronic issuer concerned. The monetary value of the electronic money is in electronic form (electronic value) obtained by redeeming a sum of cash or debiting his account in the bank and then stored electronically in electronic media in the form of a stored value card.

Prinsip Tanggung Jawab Orangtua Biologis terhadap Anak Di Luar Perkawinan

Abstract: Every children should get law protection, also children who born from unmarried parent. If it is not, that children be a victim, whereas they was born in holy condition without any mistakes, even they was born as a adultery action. The children who born from unmarried parents often get discrimination and stereotype in society. Because that, toward give protection for children who born from unmarried parents and obligate the father to responsible, Constitutional Court decide provision Article 43 paragraph (1) Act Number 1 of 1974 concerning Marriage is against Constitution of 1945 conditionally, unconstitutional as long as that provision interpretation omit private/civil relation between the man who proved by science and technology and/or other evidence by Law have relationship with their father, and then every children who born from unmarried parents have private/ civil relation not only with their mother and her family, but also with their father and his family. This decision rise change of meaning and law definition concerning children who born from unmarried parent, include children from adultery couple, as long as can prove by law they have relationship with the man as father also have private/ civil relation with their father and his family. But in other side, Constitutional Court also rise parent (father) biologic principle against children, include children who born from unmarried parent.

Penetapan Pengadilan terhadap Status Anak Li'an dari Perkawinan yang Sah berdasarkan Test Deoksiribo Nuklead Acid

Abstract: Sesuai dengan Putusan Mahkamah Konstitusi Nomor 46/PUU-VIII/2010 bertanggal 17 Pebruari 2012, Test Deoksiribo Nuklead Acid (Tes DNA) dapat menjadi alat bukti yang autentik untuk mengetahui asal usul benih dari janin yang dikandung oleh isteri yang di-li’an suaminya. Jika terbukti berdasarkan tes DNA, anak li’an itu memang anak dari suami yang me-li’an isterinya, maka upaya pemulihan terhadap status dan hak anak dapat dilakukan melalui proses pengadilan berdasarkan Pasal 43 ayat (1) dan Pasal 55 ayat (2) UU No. 1/1974 dan Pasal 103 ayat (2) Kompilasi Hukum Islam. Upaya pemulihan status dan hak anak li’an itu dapat dilakukan melalui penetapan pengadilan berdasarkan bukti tes DNA, jika terbukti anak li’an mempunyai hubungan darah dengan ayahnya, hakim dapat membatalkan pengingkaran anak karena zina (melalui li’an) sebagai dasar mengubah status hukum anak li’an menjadi anaknya yang sah (anak istilhag), yang berakibat pulih kembali hubungan nasab dan keperdataan lainnya dengan ayahnya dan keluarga ayahnya.

Making of a Procuration to Sell Together with a Credit Contract for a Collateral Object

Abstract: Issuance of the procuration to sell together with the credit agreement is basically contrary to Article 20 Paragraph (2) Mortgage Right Law. In the elucidation of Article 20 Paragraph (2) of the Mortgage Law it is explained that in the event that a sale through a public auction is not expected to produce the highest price, by deviating from the principle referred to in Paragraph (1) it is given the possibility of carrying out execution through private sales, provided that this is agreed upon by the grantor and the holder of the Mortgage Right, and the conditions specified in Paragraph (3) are met. His possibility is intended to accelerate the sale of Mortgage objects with the highest selling price. This means, selling under the hand is an alternative provided by Mortgage Law if ready execution is estimated to be no more profitable than private sales. As for the legal consequences of issuing a deed of power of attorney to sell contrary to Article 20 Paragraph (2) Mortgage Right Law as stipulated in Article 20 Paragraph (4) Mortgage Right Law is null and void. Thus, the deed of power of attorney issued by a Notary together with the credit agreement is null and void. This means that the deed of power of attorney to sell is deemed to have never existed, so it cannot be used as a basis for private sales.

Characteristics of Service Safe Deposit Box in Banking Activities

Abstract: Provision of safe deposit boxes (SDB) is one of the services in banking activities. The SDB is in the form of a box with a certain size and is rented out to customers, which is used to store goods and securities without the bank knowing its mutation and contents. According to Law No. 7/1992 concerning Banking as amended by Law No. 10/1998, the activity of "providing a place" in the form of SDB is a bank activity that solely rents a place for storing goods and securities, so it is not a safekeeping of goods even though the existence of SDB is under the control and supervision of the bank. If so, it is necessary to investigate whether the provision of SDB services in banking activities is a legal contractual relationship or goods custody. Therefore, this study aims to analyze the characteristics of the legal relationship in the provision of SDB services in banking activities. This research is a normative legal research using legal construction methods and approaches to the application of laws and conceptual. The results showed that the construction of legal relations between the customer and the bank in the SDB rental contract made by the bank was not solely a rental contract, but contained elements of goods storage. This is because the SDB that is leased is not fully under the management of the lessee (customer), the SDB and its contents are under the management and supervision of the SDB owner's bank. Therefore, the SDB rental contract for banking activities is a contract or a mixed agreement (contract sui generis).

Perkembangan sistem pembayaran digital pada era revolusi industri 4.0 di indonesia

Abstract: In line with the rapid development of technology, patterns and payment systems in economic transactions continue to change. Technological advances in the payment system are shifting the role of cash (currency) as a means of payment in the form of digital payments that are more efficient and economical. In its development, several countries have discovered and used electronic payment products known as Electronic Money (e-money). The presence of non-cash payment instruments mentioned above, is not only caused by innovations in the banking sector but also driven by the public's need for practical payment instruments that can provide convenience in conducting transactions. This paper aims to analyze the impact of the development of digital payment systems on the existence of cash in the era of the digital economy. In addition, this also minimizes the risks that can be caused by the use of digital payment systems and prevents inflation due to the large amount of cash in circulation. The method used in this paper is qualitative and is supported by a phenomenological approach. The results of this study indicate that technological advancements in the era of the digital economy (Industrial Revolution 4.0) are indeed unavoidable, especially in the rapid development of digital payment systems. Digital payment systems have advantages and disadvantages. But in general, the advantages of digital payment systems outweigh the disadvantages. The presence of this digital payment system does not mean eliminating the existence of cash. However, the existence of a digital payment system can also minimize the occurrence of inflation due to the large amount of money circulating in the community.

The Historicity of the Economic Verses on Fatwa of DSN-MUI about Sharia Electronic Money

Abstract: In the Quranic revelations period, the electronic money has not been known yet, but the National Sharia board-Indonesia Council of Ulama (DSN-MUI) has issued a fatwa and referred to the Quranic verses as one of its legal bases. The fatwa mentioned is fatwa Number: 116/DSN-MUI/IX/2017 about Sharia Electronic Money. This fatwa said that sharia electronic money is electronic money suitable with sharia principles. The verses in this fatwa were analyzed based on the historical background of revelation, to find out whether the legal basis for the fatwa is the verses related to economic activities or not. This study showed that the Quranic verses used as a legal basis for a fatwa on the sharia electronic money were not only the verses revealed in relation with the economic activity or the verses in which economic activity was implied, but also the Quranic verses revealed in relation with other activity in which the Islamic principles were implied, and then those Islamic principles have been applied in a fatwa about sharia electronic money.

Penerapan Model Utaut (Unified Theory Of Acceptance And Use Of Technology) Untuk Memahami Niat Dan Perilaku Aktual Pengguna Go-Pay Di Kota Padang

Abstract: This study aims to find evidence that the model UTAUT (Unified Theory of Acceptance and Use of Technology) is a conceptual framework to explain the acceptance and use of Go-Pay as one of the mobile payment services in the city of Padang. The data used in this research is primary data obtained by distributing a questionnaire online. This study using purposive sampling with a sample of 150 respondents who have used Go-Pay.Analysis of the data used in this research is Structural Equation Modeling (SEM). Data analysis techniques using SmartPLS ver.3.2.8 processed. This study found evidence that performance expectancy, social influence and positive effect on behavioral intention; facilitating condition and behavioral intention to use behavior has a positive effect, while the effort expectancy negatively affect behavior intention.

Analysis The Use of Electronic Money in Indonesia

Abstract: Article Info ________________ History of Article Received July 2020 Accepted September 2020 Pusblished November 2020 ________________

Financial Technology Acceptance Factors of Electronic Wallet and Digital Cash in Indonesia

Abstract: Despite limited financial resources of people with minimum wage in Indonesia, they have embraced Financial Technology (fintech). There are two types of fintech, i.e. card-based electronic wallet and application-based digital cash. The aim of this research is to rank the acceptance factors of e-wallet and digital cash by low income individuals. Initially, Systematic Literature Review (SLR) was conducted to develop a structural hierarchy of the Analytic Hierarchy Process (AHP). It was followed by interviews with fintech experts to validate the structural hierarchy. Finally, AHP pairwise comparison questionnaires were filled out by 18 respondents, who have experiences using electronic wallet or digital cash. The results show that highest reception factor of both fintech types is ease of use. Speed is the second top rank acceptance factor of electronic wallet, whilst cost-benefit is the second factor of digital cash reception. These findings can enable fintech providers to improve their better marketing strategy, by enhancing their products related its ease of use, speed, and cost.