Introduction to The Problem: The use of information technology innovations in banking today through digital platforms or online or known as financial technology (commonly abbreviated as fintech) can indeed provide financial services to the public at a lower cost than traditional banking methods. But behind the sophistication of technology as well as an increase in banking risk, especially if the regulations that govern it have not been comprehensive. Purpose/Objective Study: This paper examines the development of various regulatory regulations in the field of fintech in Indonesia. Design/Methodology/Approach: The research method used in this study is qualitative through normative legal research. The obtained data analyzed by statutory approach to interpret the existing legal rules on Indonesian Banking. Findings: The results obtained are that the existence of fintech which is considered as disruptive innovation (disruptive innovation) has changed the old market and revolutionized the workings of traditional financial institutions. Therefore, the government through the financial authority that is authorized to respond to the development of fintech in the Indonesian banking system by making various regulations. In addition, the development of fintech business integration with banking institutions must also be a concern for both parties so that the development of fintech is not only a disruption but can also be a safe innovation for customers to use.

Protection of personal data as closely related to the protection of personal and private rights. Indonesia does not yet have legislation that specifically regulates the protection of personal data. then the problem that the author raises is: the comparison of the right to personal protection as part of human rights in Indonesia with the constitution in other countries and the concept of comparing the protection of personal data as a manifestation of the human rights of personal protection in Indonesia and other countries. related to the protection of personal rights in Indonesia is a state constitutional obligation regulated in the 1945 Constitution of the Republic of Indonesia Article 28G Paragraph (1). The constitutions of other countries such as in several Asian, African, and European countries as mentioned above have explicitly regulated and mentioned the protection of guarantees and personal rights or privacy rights of their citizens. while in Indonesia such as Saudi Arabia and Madagascar it does not explicitly mention anything about the right of privacy in their constitution. it can be concluded that the concept of personal data protection can be found in international and regional instruments such as the European Union Data Protection Directive, the European Union Data Protection Convention, and the OECD Guidelines.

Purpose of the study: This paper aims to provide an analytical review of the judicial progressive thoughts in the pretrial process in Decision No. 04/Pid.Prap/2015/PN.Jkt.Sel. Methodology: This legal research used a normative juridical approach. The writers used the literary approach by studying books and legal regulations related to this research. Results: The judges’ basis of thought delivered in Decision No. 04/Pid.Prap/2015/PN.Jkt.Sel was part of the judicial authority to make laws (judge-made laws). This is so that the law can provide the value of justice or certainty. But in this context, the method used by the judges was legal interpretation due to "other actions" in Article 95 of the Criminal Code that has an ambiguous meaning. Meanwhile, the stipulations that discussed the authority of indictors have not been regulated in the Criminal Code that is categorized as a pretrial object. The arrival of Decision No. 04/Pid.Prap/2015/PN.Jkt.Sel was a form of a legal update that makes indictors and prosecutors more professional. It makes them increase the quality of their human resources in carrying out indictment and prosecution; thus, no parties experience loss in the examination carried out by the law enforcing apparatus. Applications of this study: This analysis can be used to motivate judges to make more progressive decisions. Novelty/Originality of this study: This writing analyzed the judicial progressive thoughts in Decision No. 04/Pid.Prap/2015/PN.Jkt.Sel that has never been done before. Keywords: pretrial; progressive judges; indictment warrant; the eradication of corruption.   ABSTRAK  Tujuan: Artikel ini bertujuan untuk memberikan tinjauan analitis terhadap pemikiran hukum progresif dalam proses praperadilan dalam Putusan No. 04/Pid.Prap/2015/PN.Jkt.Sel.  Metodologi: Penelitian hukum ini menggunakan pendekatan yuridis normative dengan pendekatan studi pustaka dengan mempelajari buku-buku dan peraturan hukum yang berkaitan dengan penelitian ini.  Hasil: Dasar pemikiran hakim yang tertuang dalam Putusan Nomor 04/Pid.Prap/2015/PN.Jkt.Sel merupakan bagian dari kekuasaan kehakiman untuk membuat undang-undang. Hal ini dimaksudkan agar hukum dapat memberikan nilai keadilan atau kepastian. Namun dalam konteks ini, metode yang digunakan hakim adalah interpretasi hukum karena “perbuatan lain” dalam Pasal 95 KUHP yang memiliki makna ambigu. Sedangkan ketentuan yang membahas tentang kewenangan penyidik belum diatur dalam KUHP yang dikategorikan sebagai obyek praperadilan . Hadirnya Putusan Nomor 04/Pid.Prap/2015/PN.Jkt.Sel merupakan bentuk pembaharuan hukum yang menjadikan para jaksa dan penuntut lebih profesional. Hal itu membuat mereka meningkatkan kualitas sumber daya manusia dalam melakukan dakwaan dan penuntutan; dengan demikian, tidak ada pihak yang dirugikan dalam pemeriksaan yang dilakukan oleh aparat penegak hukum.  Aplikasi penelitian ini : Kajian ini dapat digunakan untuk memotivasi para hakim dalam membuat keputusan yang lebih progresif.  Kebaruan/Orisinalitas: Tulisan ini menganalisis pemikiran progresif peradilan dalam Putusan No. 04/Pid.Prap/2015/PN.Jkt.Sel yang belum pernah dilakukan sebelumnya.  Kata kunci: praperadilan; hakim progresif; surat dakwaan; pemberantasan korupsi.

This study aims to determine the implementation of fiduciary guarantees in financing agreements for motor vehicle purchases and the legal consequences if debtors default in financing the purchase of motor vehicles with fiduciary guarantees at PT. BFI Finance Gorontalo. The research method uses normative legal methods. Data sources consist of primary legal materials, secondary legal materials and non-legal materials. The results showed that the implementation of fiduciary guarantees in motor vehicle financing agreements at PT. BFI Finance Gorontalo is in accordance with Law Number 42 of 1999 concerning Fiduciary Guarantees. Default by the debtor can result in the execution of fiduciary guarantees without having to obtain a court decision because the fiduciary guarantee certificate has the same executorial power as a court decision that has obtained permanent legal force, without having to wait for a court decision, execution can continue to be carried out. If the debtor or fiduciary giver fails the promise, the execution of the object that becomes the object can be done by executing the executable title. If in the implementation of fiduciary collateral execution the transfer of collateral occurs by the debtor, then the PT. BFI Finance Gorontalo can take legal action on accusations of embezzlement of collateral.

The increase in the prestige of berenuk drinks was not matched by the amount of production that was unable to meet the increasing market demand. This is because the processing is still manual and uses a very traditional method (using limited human resources), so it takes up to 12 hours to process. This is where the PKM Team of Universitas Muhammadiyah Tangerang is here to provide solutions for the two partners, where the solution will not be realized without a grant from the National Research and Innovation Agency of the Ministry of Education and Culture. The involvement of students and the contributions of the two partners during the PKM activity really helped the PKM Team of Universitas Muhammadiyah Tangerang complete the mandate from the National Research and Innovation Agency grant of the Ministry of Education and Culture completely, although it is recognized that 2 (two) components are still in the process of completion, for example: patent registration and publication of accredited journals. However, in general/overall, with all the challenges faced during the COVID-19 pandemic, the PKM Team of Universitas Muhammadiyah Tangerang has succeeded in carrying out the duties and mandates of the National Research and Innovation Agency of the Ministry of Education and Culture.