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Indonesia has entered global economic development based on innovation, technology and knowledge. This is the first point where it becomes the driving force in economic growth. In this, in Indonesia there is a population of millennials who have new creativity and innovation that makes the potential that can increase economic growth based on the digital economy and pursue the Society 5.0.. Nowadays, innovation and creativity are the key to success in economic development in the era of globalization. It is also closely related to the intellectual property system. In the era of globalization, developed countries are those who are able to utilize intellectual property as a driving force for the economy through new science, technology, creativity and innovation. One of the changes in the media is Over The Top (OTT), which is quite popular either in the world of telecommunications, world governance or academic world. In the digital era, some companies implemented a system that will change the company's digital revolution. Some companies need to restructuring their type of business based on digitalisation.

The purport of this article is to examine the Government Regulation in Lieu of Law No. 1/2020 enacted by Indonesian Government to controlling the spread of COVID-19 was meant to protect people's life or economy. National Commission of Human Rights in Indonesia (KOMNAS HAM) publish its report on governance of controlling COVID-19 in Human Rights' perspective, proclaimed Government put excessive effort to stabilize the economy. Therefore, research on the policy enacted by Indonesian Government to controlling COVID-19's transmission presumed on Article 3 Universal Declaration of Human Rights as an indicatory parameter for verifying the human rights value is necessary. The goal in this paper is to attain the view that Human Rights and Economy, respectively and directly, have the same important role in handling COVID-19 and have to be worked in parallel. in the Government Regulation in Lieu of Law No. 1/2020.

Dalam praktek hukum perbankan, suatu bank dapat dicabut ijin usahanya dan mengalami likuidasi. Didalam proses likuidasi bank Lembaga Penjamin Simpanan berperan penting dalam menyelesaikan pengembalian dana simpanan para nasabah bank tersebut ketika bank mengalami likuidasi terkaitpembayaran klaim penjaminan simpanan nasabah bank yang dicabut izinnya, Lembaga Penjamin Simpananmemiliki hak untuk menggantikan posisi nasabah penyimpan tersebut (hak subrogasi) dalam pembagian hasil likuidasi bank. Pemberian kewenangan dan hak tersebut dimaksudkan untuk mengoptimalkan tingkat pemulihan (recovery rate) bagi Lembaga PenjaminSimpanan, agar keberlangsungan program penjaminan simpanan dapat terus dijaga.Lahirnya   Undang-undang   Nomor    24 Tahun  2004   tentang   Lembaga Penjamin Simpanan   menandai babak    baru sistem perbankan  nasional. Keberadaan  Lembaga Penjamin Simpanan ini    tidak   bisa    dilepaskan    dari   upaya peningkatan stabilitas sektor keuangan dan untuk memulihkan kepercayaan masyarakat terhadap sektor perbankan. Penelitian inidifokuskanpada peran dan fungsi Lembaga Penjamin Simpanan dalam melaksanakan tugas dan tanggungjawabnya untuk menjamin, melindungi dan memberikan kepastian hukum kepada masyarakat sebagai nasabah bank dalam likuidasi bankdalam hukum perbankan.

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