http://ejournal.uki.ac.id/index.php/tora/issue/feed to-ra 2021-05-01T05:07:52+00:00 Petrus Irwan Panjaitan tora.fh@uki.ac.id Open Journal Systems <p><img src="/public/journals/13/cover_issue_152.png" alt=""></p> <div>A journal to publish high-quality articles published for all aspects of research and the latest extraordinary developments in the field of Law. This journal number published by p-ISSN: 2442-8019 and e-ISSN 2620-9837 is a scientific journal published by the Faculty of Law, Universitas Kristen Indonesia which discusses the Law to regulate and protect the public. The purpose of the To-ra Journal is to disseminate conceptual thought and research findings that have been approved in the field of Law.<br>In each publication every year, to-ra publishes in three publications: April, August and December.</div> <div>&nbsp;</div> http://ejournal.uki.ac.id/index.php/tora/article/view/2601 TINJAUAN YURIDIS TENTANG KEPASTIAN HUKUM TERHADAP PERIZINAN RUMAH SAKIT DI NEGARA INDONESIA 2021-04-30T05:14:38+00:00 yulisar khiat khiatyulisar@gmail.com <p><em>To realize health development in Indonesia, the government has made improvements to both health services and services to the community. This is inseparable from the existing regulations regarding the provisions regarding ordering, classification and licensing of hospitals regulated in the provisions of Law Number 44 of 2009 concerning Hospitals, Regulation of the Minister of Health of the Republic of Indonesia Number 147 of 2010 concerning Hospital Licensing, Regulations Minister of the Republic of Indonesia Number 340 of 2010 concerning Hospital Classification and Decree of the Minister of Health of the Republic of Indonesia Number 2264 of 2011 concerning Implementation of Hospital Licensing and Permenkes 3 of 2020 concerning Hospital Classification and Licensing.</em></p> <p>&nbsp;</p> <p><strong><em>Keywords: </em></strong><em>legal certainty, hospital licensing</em></p> 2021-04-29T00:00:00+00:00 Copyright (c) 2021 to-ra http://ejournal.uki.ac.id/index.php/tora/article/view/2444 Tinjauan Yuridis Putusan Niet Ontvankelijke Verklaard (NO) Perbuatan Melawan Hukum PT Asuransi Allianz Utama Indonesia vs Mariana Berdasarkan Putusan Mahkamah Agung Nomor 617 K/Pdt.Sus-BPSK/2015 2021-04-30T05:13:59+00:00 calvin wijaya calvincw816@gmail.com <p>Mariana merupakan pemegang polis PT. Asuransi Allianz Utama Indonesia yang mengikatkan diri dalam polis asuransi semua resiko properti (<em>Property All Risk Policy</em>) dengan nomor polis PKB01-G-0911-01F0000353, adanya <em>Official Receipt </em>Nomor 337377 sebesar Rp. 8.582.000,- yang dibayarkan tanggal 1 Desember 2010, periode pertama sejak tanggal 22 November 2009 sampai 22 November 2010 dan dilanjutkan dengan periode kedua tanggal sampai dengan 22 November 2011.&nbsp; Pada 30 November 2010 terjadi peristiwa pencurian dan pembobolan dengan kerugian sebesar Rp. 1.205.460.000,-. dengan acuan kepada pasal 13 dalam polis yang menyatakan polis otomatis diperpanjang dan jika tidak ingin diperpanjang maka harus membuat surat tertulis dalam waktu 30 hari. Mariana telah melakukan klaim dan dinyatakan tidak bisa dengan alasan pihak pemegang polis tidak melaksanakan klausula <em>warranty </em>yang ditambahkan secara sepihak oleh PT. Asuransi Allianz Utama Indonesia. Sehingga hal ini bertentangan Pasal 1365 KUH Perdata tentang Perbuatan Melawan Hukum serta dilakukan analisa dengan KUHP dan Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen.</p> <p>&nbsp;</p> 2021-04-29T13:21:15+00:00 Copyright (c) http://ejournal.uki.ac.id/index.php/tora/article/view/2606 TINJAUAN YURIDIS PERLINDUNGAN HUKUM KORBAN INVESTASI “FIKTIF” MELALUI MEDIA ONLINE BERDASARKAN UNDANG-UNDANG NOMOR 11 TAHUN 2008 TENTANG INFORMASI DAN TRANSAKSI ELEKTRONIK 2021-04-30T05:13:21+00:00 Josua Halomoan Napitupulu joshpitt.napit1903@gmail.com <p><em>The practice of fictitious investment that has recently revived in various modes by utilizing online media, reflects that the Indonesian people do not fully understand the various investments that are legal according to the regulations of the Financial Services Authority (OJK), and Indonesian people still have a culture of laziness to work so they immediately trust and believe in the offer outstanding investment in online media. Law No. 25 of 2007 concerning investment, which broadly distinguishes direct investment from abroad (foreign direct investment / FDI) and investment indirectly. Investment activities are business activities carried out to place funds in the hope that at one time it will get a profit or profit. In essence, investment throughmedia online or it can be said as fictitious investment is also regulated in Article 9 and Article 10 of Law Number 11 Year 2008 concerning Electronic Information and Transactions. Business actors offering products through an electronic system are obliged to provide complete and correct information and business actors conducting electronic transactions may include certification by a Reliability Certification Agency.</em></p> <p><strong><em>Keywords: </em></strong><em>Investment, Fictitious, Electronic Transactions</em></p> 2021-04-29T13:22:10+00:00 Copyright (c) http://ejournal.uki.ac.id/index.php/tora/article/view/2605 TINJAUAN YURIDIS KEDUDUKAN PENANGGUNG/BORGTOCHT DALAM PERKARA KEPAILITAN DAN PKPU TERHADAP UTANG DEBITOR 2021-04-30T05:12:43+00:00 Rosalia Hidayat rosalia.hidayat@gmail.com <p><em>A loan agreement between the parties may result in default. The provision of guarantees is very necessary in an effort to minimize default. The form of guarantee consists of material guarantee (material) and immaterial guarantee (individual). Material guarantees can be in the form of a mortgage, mortgage, mortgage, and fiduciary security, while individual guarantees are in the form of a guarantor (borgtocht), liability, and a guarantee agreement. The existence of a debt guarantor, namely a third party as guarantor (borgtocht), where as a debtor's debt guarantor when the debtor does not meet his performance. When the Debtor experiences Bankruptcy or PKPU due to the debtor defaulting or unable to pay his debt, the creditor immediately asks for responsibility for Borgtocht as the guarantor without any debt collection from the debtor. Often the creditor immediately collects the debt from the guarantor, who is clearly not a debtor. And this happens in the bankruptcy law and PKPU, namely the guarantor of the bankruptcy debtor by the creditor without first seeing the debtor's real assets.</em></p> <p><strong><em>Keywords: </em></strong><em>borgtocht</em><em>, bankruptcy and debtor</em></p> 2021-04-29T13:22:57+00:00 Copyright (c) http://ejournal.uki.ac.id/index.php/tora/article/view/2867 AKIBAT HUKUM PENGANGKATAN ANAK SECARA LANGSUNG DALAM MASYARAKAT TIONGHOA 2021-04-30T05:08:52+00:00 Theo Oematan Theom046@gmail.com <p><em>Children are the most important part of the family, there are many families whose marriages are not blessed with a child. This is the background of adoption in society, especially for families who do not have a child. However, direct adoption of children still occurs, without following the procedures in existing laws and regulations, namely through court rulings. This research is an empirical study using the problem approach method used in this study is a sociological juridical approach. The problem in this writing is the provisions for adoption and the position and inheritance rights of adopted children according to Chinese customary law and jurisprudence in Indonesia and the legal consequences for adoptive parents who falsify the birth certificate documents of their adopted children. The result of this research is that adoption of children based on Chinese customs is carried out simply by means of direct adoption, but due to the direct adoption law, which is not based on the applicable law, the party who adopts the child can be sentenced for violating Article 278 of the Criminal Code.</em></p> <p><em>&nbsp;</em></p> <p><strong><em>Keywords</em></strong><em>: direct adoption, Chinese adopted children, adoption in Chinese society</em></p> 2021-04-29T13:39:49+00:00 Copyright (c) http://ejournal.uki.ac.id/index.php/tora/article/view/2868 POLITIK HUKUM PIDANA DALAM PENANGGULANGAN TINDAK PIDANA PEMILU DEMI MEWUJUDKAN KEADILAN PEMILU 2021-04-30T05:08:13+00:00 Maria Sinaga benedicta.sinaga@gmail.com <p><em>This research examines the problematics of the enforcement of election criminal law as contained in Law Number 7 of 2017 concerning General Elections, with a focus on criminal policy or politics of criminal law in the context of overcoming election crimes in Indonesia. The problems of election law are not only related to regulated criminal norms, but also with the handling mechanisms and institutions involved in their enforcement. This research utilizes legal research methods with a statute approach, a case approach, and a historical approach. By applying qualitative analysis, the results of the study conclude two important things. First, there are problems in regulating election crimes as contained in Law Number 7 of 2017 concerning General Elections, namely the existence of criminalization in election crimes, the subjects of criminal law mostly target election organizers, the absence of minimum and maximum criminal sanction, and the unchanged time limit for handling election crimes at the level of investigation, prosecution and trial in court. Second, it is necessary to have a criminal policy in the context of overcoming election crimes by taking steps to improve the legal substance, legal structure, and legal culture in the administration of elections.</em></p> <p><em>&nbsp;</em></p> <p><strong><em>Keywords</em></strong><em>: criminal law, election crime, election criminal law, electoral justice</em></p> 2021-04-29T13:46:56+00:00 Copyright (c) http://ejournal.uki.ac.id/index.php/tora/article/view/2604 TINJAUAN YURIDIS EKSEKUSI PUTUSAN ARBITRASE PADA PENGADILAN NEGERI BERDASARKAN UNDANG-UNDANG NOMOR 30 TAHUN 1999 TENTANG ARBITRASE DAN ALTERNATIF PENYELESAIAN SENGKETA 2021-04-30T05:12:06+00:00 Bintang agustinus SImanjuntak bintang.augustinius@gmail.com <p><em>Article 60 of Law Number 30 of 1999 concerning Arbitration and Alternative Dispute Resolution stipulates that: "The arbitration award is final and has permanent legal force and is binding on the parties" In this Law there is a legal problem when the result of the decision of the Indonesian National Arbitration Board which is a final and binding decision if it is not implemented by the parties voluntarily, then one of the disputing parties can submit an application for its execution to the district court as provided for in Article 61 of Law Number 30 of 1999 concerning Arbitration and Alternative Dispute Resolution. It is known that in principle the arbitration &nbsp;decision is final and binding. However, by stating that the arbitration award cannot be implemented, it certainly becomes a legal issue regarding the follow-up of dispute resolution between the parties, while in the arbitration law itself it does not a tour of the consequences of the inability to enforce the Arbitration decision.</em></p> <p><strong><em>Keywords: </em></strong><em>execution, arbitration decision and district court</em></p> 2021-04-29T13:25:32+00:00 Copyright (c) http://ejournal.uki.ac.id/index.php/tora/article/view/2527 PEMOTONGAN UPAH DAN PEMUTUSAN HUBUNGAN KERJA (PHK) PADA SAAT PANDEMI 2021-04-30T05:11:28+00:00 Roparulian Evander Ellia Napitupulu evander.napitupulu@uki.ac.id <p>Abstrak</p> <p>Pandemi&nbsp; merupakan virus yang telah menyebar di seluruh belahan dunia, tidak terkecuali Indonesia. Dampak yang diberikan&nbsp; tidak hanya memakan banyak korban, tetapi juga berpengaruh besar terhadap pergerakan roda ekonomi Indonesia membahas terhadap pemotongan upah serta pemutusan hubungan kerja yang terjadi pada saat pandemi&nbsp; di Indonesia. Pada dasarnya pemotongan upah terhadap karyawan perusahaan telah diatur dalam peraturan perundang-undangan Indonesia pemotongan upah tersebut seyogyanya tidak dilakukan secara sepihak oleh perusahaan dan wajib dilakukan dengan kesepakatan antara pihak perusahaan dengan pihak karyawan sesuai dengan peraturan perundang-undangan yang berlaku kesepakatan tersebut&nbsp; wajib dilaporkan kepada pihak pemerintah agar tidak terjadi perselisihan hak dan berakhir di Pengadilan Hubungan Industrial</p> <p>Kata kunci: COVID-19, Pemotongan Upah,Pengaturan Pemerintah</p> <p><strong><em>ABSTRACT</em></strong></p> <p><strong><em>Pandemic is a virus that has spread throughout the world, including Indonesia. The impacts not only claimed many victims, but also had a major impact on the movement of the Indonesian economy by discussing wage cuts and layoffs that occurred during the pandemic in Indonesia. The deduction of wages for employees is stipulated in the Indonesian statutory regulations, the deduction of wages should not be carried out unilaterally by the party and must be carried out by agreement between the company and the employee in accordance with the regulations, which the agreement agreement must be filled with the government so that there is no dispute rights and ends at the Industrial Relations Court</em></strong></p> <p><strong><em>Keynote : COVID-19, Pemotongan Upah,Pengaturan Pemerintah</em></strong></p> 2021-04-29T13:26:23+00:00 Copyright (c) http://ejournal.uki.ac.id/index.php/tora/article/view/2602 TINJAUAN YURIDIS PERTANGGUNG JAWABAN PERSEROAN TERBATAS DALAM CORPORATE SOCIAL RESPONSIBILITY TERHADAP KERUSAKAN LINGKUNGAN HIDUP 2021-04-30T05:10:50+00:00 frinda susanto frindasusanto@yahoo.com <p><em>Article 74 of Law 40 of 2007 concerning Limited Liability Companies, stipulates that: "it is mandatory to carry out corporate social responsibility for companies that carry out their business activities in fields and / or related to natural resources." However, this regulation does not clearly explain what kind ofactivities corporate social responsibility a limited liability company should undertake. Corporate social responsibility has the aim of improving the welfare of the surrounding community who live and depend on the surrounding environment where the limited liability company runs its business. Legal certainty of the obligation for companies to carry out corporate social responsibility and the obligation to protect the surrounding environment already exists, but the benefits of these laws and regulations are still minimal considering the many forms of violations committed by limited liability companies. sanctions for companies that do not implement corporate social responsibility are clearly displayed in the statutory regulations, but the facts based on the research conducted by the author feel that the imposition of these sanctions has not been implemented properly.</em></p> <p><strong><em>Keywords: </em></strong><em>corporate social responsibility, limited liability company, regulations</em></p> 2021-04-29T13:27:46+00:00 Copyright (c) http://ejournal.uki.ac.id/index.php/tora/article/view/2467 PERLINDUNGAN HUKUM TERHADAP PEKERJA DALAM PEMUTUSAN HUBUNGAN KERJA (PHK) DENGAN ALASAN EFISIENSI AKIBAT PANDEMI COVID 19 2021-04-30T05:10:12+00:00 Agung Prasetyo Wibowo Agung agungpwibowo@yahoo.com <p>Due to restrictions placed in order to prevent the spread of Covid-19, including the closure of company operations, the potential for companies to be forced out of business is relatively large. There have been many layoffs for employees. Termination of employment is closely related to the reason for efficiency caused by the impact of Covid-19. The problem in this writing is how companies carry out Termination of Employment (PHK) on the grounds of legitimate efficiency according to the Manpower Law and How Legal Protection for Workers in Termination of Employment for Efficiency Reasons as a Result of the Covid-19 Pandemic. Based on the Manpower Act. This type of research is normatid legal research which is focused on positive legal norms in the form of statutory regulations, to find the truth based on the logic of legal science from the normative side. The results showed that with the Covid pandemic, every company was forced to be able to continue its business. This condition requires every company to be able to optimize production factors in order to operate. To realize this condition, every worker as a factor of production is required to be productive in carrying out their work with the work standards set by the company. If workers are proven to be unproductive at work, the employer will take action in the form of termination of employment (PHK) as an efficiency measure. The law does not prohibit entrepreneurs from taking such efficiency measures, but efficiency measures will be invalid if the reasons, procedures and conditions specified are not fulfilled in accordance with the applicable regulations.</p> <p>Keywords: Termination of Employment, efficiency reasons, Legal Protection, Covid-19 Pandemic</p> 2021-04-29T13:29:08+00:00 Copyright (c) http://ejournal.uki.ac.id/index.php/tora/article/view/2388 Peran Pemerintah Kota Depok Dalam Mengatasi atau Mengurangi Kemacetan Lalu Lintas Di Kota Depok 2021-04-30T05:09:33+00:00 Ilham Reza Perdana ilhamreza0601@gmail.com <p>The study considers the role of the depok government in addressing or reducing traffic jams in the city of depok, to aim to identify the causes caused by traffic jams in depok city, and then after knowing there was a definite cause or effect because of the cause of the traffic jam. Knowing all of this should be the same question as to what measures governments are taking to address the problem of reducing or addressing the traffic jam. The approach taken in this study was normative jurisdiction, which is that by examining library or secondary data materials asa basis for study by examining the associated regulations and literature deals with traffic congestion. The study is a descriptive analysis that describes in detail and systematically the problems that occurred and are analyzed according to hokum theory asa sequence of data and rules.</p> 2021-04-29T13:30:08+00:00 Copyright (c) http://ejournal.uki.ac.id/index.php/tora/article/view/2578 The LEGAL REVIEW OF RETROACTIVE PRINCIPLE IN CRIMES AGAINST HUMANITY 2021-04-30T05:15:17+00:00 Intan Audy intanaudy1@gmail.com <p><em>The principle of retroactivity as the spirit of the law creates formal juridical problems. Constitutionally and in criminal law, there are regulations that prohibit retroactive enforcement of statutory regulations. This was motivated by the idea of ​​protecting human rights, but in the reform era the problem of retroactivity also emerged when discussing the issue of human rights crimes in the context of protecting human rights. Protection of citizens' human rights is the first parameter that determines the indicators of a country's democracy. Cases of crimes against humanity are still a wound for the community, so that it is the reality of human rights that is the most worrying to date. This is because the perpetrators of crimes against humanity were allegedly committed by state actors themselves, namely law enforcement officials, resulting in impunity. The principle of retroactivity in crimes against humanity can be based on lex superior derogat legi inferiori and lex specialist derogat legi generale, and are closely related to legal objectives. Legal principles are legal foundations, so they are expected to reveal the truth of the past so that national reconciliation can be realized</em><em>.</em></p> 2021-04-29T00:00:00+00:00 Copyright (c) http://ejournal.uki.ac.id/index.php/tora/article/view/2465 Tanggung Jawab Pengangkut Barang Dalam Angkutan Laut 2021-04-30T05:15:54+00:00 Afifah Musa afifamhrani9@gmail.com Alma Rizkyta almahandaruni@gmail.com <p>Laut adalah suatu keluasan air yang melebar diantara benua dan gugusan pulau-pulau di dunia. Seperti yang diketahui Indonesia merupakan Negara Kepulauan yang terdiri atas daratan dan lautan. Dimana daratan tersebut terdiri dari 1,9 juta km persegi dan lautan yang terdiri dari 3 juta km persegi ini semua merupakan satu kesatuan yang tidak dapat dipisahkan. Dengan melihat ini semua, untuk menghubungkan antar satu kota ke &nbsp;kota yang lain, pulau yang satu dengan pulau yang lain, kiranya pengangkutan merupakan sarana yang utama untuk mencapai maksud tersebut. Maka dari itu, penelitian ini mengangkat judul Tanggung Jawab Pengangkut Barang dalam Angkutan Laut. Tujuan dibuatnya penelitian ini yaitu untuk mengetahui bagaimana tanggung jawab pengangkut barang menggunakan angkutan laut sesuai dengan hukum yang ada di Indonesia. Menggunakan metode sekunder yang diperoleh dari Undang – Undang tentang Pelayaran, KUHPerdata, KUHD dan juga Peraturan Pemerintah. Jadi dalam hal ini pengangkut merupakan pihak yang bertanggung jawab terhadap keselamatan dan keamanan barang yang diangkutnya sesuai dengan perjanjian yang telah diatur sesuai dengan sumber hukum pengaturan pengangkutan laut di Indonesia maupun Internasional.</p> 2021-04-29T00:00:00+00:00 Copyright (c) http://ejournal.uki.ac.id/index.php/tora/article/view/2580 Teori Pemidanaan Terhadap Sanksi Yang Dijatuhkan Hakim Atas Tindak Pidana Percobaan Pembunuhan Berencana 2021-05-01T05:07:07+00:00 Heni Angelina Deborah Mantow heniangel@yahoo.com Mompang, L. Panggabean mompanglp@gmail.com <p>Tindak Pidana pembunuhan berencana merupakan tindakan atau kejahatan yang dapat menghilangkan nyawa orang lain. Menghilangkan nyawa orang lain disini yang dilakukan oleh pelaku atau beberapa pelaku yang berakibat terampasnya nyawa orang lain dengan adanya bentuk kesengajaan dari pelaku tersebut. sanksi yang dijatuhkan oleh Hakim sudah sesuai dengan teori tujuan pemidanaan? Hakim memutuskan bahwa Terdakwa Tindak Pidana Percobaan Pembunuhan Berencana terhadap sanksi yang dijatuhkan Hakim dalam teori tujuan pemidanaan menjelaskan pemidanaan atau penjatuhan pidana yang diberikan hakim kepada pelaku tindak pidana percobaan pembunuhan berencana apakah putusan hakim merupakan putusan untuk pembalasan dari korban, putusan untuk &nbsp;kesejahteraan masyarakat tanpa adanya balas dendam atau putusan untuk memberikan kepuasan baik untuk hakim yang memutuskan maupun korban.</p> <p><strong>Kata kunci:</strong> Hukum Pidana, Tindak Pidana Pembunuhan Berencana</p> <p><em>The crime of premeditated murder is an act or crime that can kill the life of another person. Losing the life of another person here is done by the perpetrator or some perpetrators which results in the deprivation of another person's life by the deliberate form of the perpetrator. the sanctions imposed by the judge are in accordance with the theory of the purpose of punishment? The Judge decided that the Defendant of Planned Assassination Attempt to the sanction imposed by the Judge in the theory of the purpose of punishment explained the conviction or conviction given by the judge to the perpetrator of attempted murder, whether the judge's decision was a verdict for retaliation from the victim, a decision for the welfare of the community without any retaliation revenge or a decision to give satisfaction to both the judge who decided and the victim.</em></p> <p><strong><em>Keywords:</em></strong> <em>Criminal Law, Planned Murder Crime</em></p> 2021-04-29T00:00:00+00:00 Copyright (c) http://ejournal.uki.ac.id/index.php/tora/article/view/2523 SISTEM HUKUM PIDANA TERHADAP CEK/BILYET GIRO KOSONG 2021-05-01T05:07:52+00:00 toga Lamhot Sinaga Toga togasinaga@yahoo.com <p><strong>Abstract</strong>,</p> <p>&nbsp;This writing scientific paper discusses abaut the form legal protection to blank cheque or bilyet giro givers. It beginswith receivable debt agreement, and based on rules and regulation Number 17 in 1964 which has been revoked in rules and regulation 1 in 1971, which was originally criminal act, the cause of its recocation is society concern in running businesses with cheque ang giro which considerably slowed dwon the ecomomic traffic. Since then, rules and regulation number 1 in 1971 were declared so that it was no longer criminal act, and investigators could bring it to criminal affairs stated in article. From the mentioned problem above, the writer is trying to make an analysis which sets the blank ceque and biyet giro givers protection using legal system of Lawrence M,Friedman.</p> <p>&nbsp;</p> <p>&nbsp;</p> <p>&nbsp;</p> <p>&nbsp;</p> <p>&nbsp;</p> <p>&nbsp;</p> <p><strong>Kata Kunci : Cek dan Giro Kosong pada Sistem Hukum</strong></p> <p><strong>Abstrak, </strong>Penulisan &nbsp;karya ilmiah ini membahas tentang bentuk perlindungan hukum terhadap pemberi cek atau bilyet giro kosong. Dimana diawali dengan perjanjian hutang piutang, dan merujuk pada peraturan undang-undang Nomor 17 tahun 1964 yang telah dicabut dalam peraturan undang-undang Nomor 1 tahun 1971, yang semula merupakan perbuatan pidana, dikarenakan alasan pencabutannya adalah timbulnya keresahan masyarakat dalam melakukan berbisnis dalam menggunakan Cek dan Giro yang dianggap memperlambat lalu lintas perekonomian dan&nbsp; kemudian di keluarkanlah undang-undang Nomor 1 tahun 1971 tersebut, sehingga bukan merupakan tindak Pidana lagi, dan penyidik dapat menarik ke ranah pidana dengan Pasal 378 KUHP bila memenuhi unsur-unsur pasal tersebut. Dari&nbsp; permasalahan tersebut penulis mencoba membuat analisa yang mengatur tentang perlindungan pemberi bilyet giro kosong memakai Sistem Hukum menurut Lawrence M. Friedman.</p> 2021-04-29T00:00:00+00:00 Copyright (c)