WHITEWATER ADVENTURE AS A POTENTIAL TOURIST ATTRACTION IN NORTH SUMATERA PROVINCE

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WHITEWATER ADVENTURE AS A POTENTIAL TOURIST ATTRACTION IN NORTH SUMATERA PROVINCE

 Padriadi Wiharjokusumo
Email: knb.ministry76@gmail.com
Tourism and Hotel Academy of Darma Agung

Abstract

There are hundreds of spectacular wild rivers throughout the Indonesian archipelago which can be flowed as the great destination of whitewater adventure activities. Most of those amazing rivers are located in the tropical rain forest of Sumatera, which allow the tourists to enjoy the picturesque beauty of Indonesia.

North Sumatera province which is situated in the northern tip of Sumatera island also offers the unforgettable experience for the tourists by having the adventure river trip such as; whitewater rafting, canoeing, and kayaking. These kinds of outdoor recreation and sport activities could be considered as invaluable opportunities to develop the tourism in North Sumatera province.

The purpose of this research is to study the whitewater adventure, especially the rafting trip as a potential tourist attraction to support the tourism in North Sumatera province, and to learn the opportunities in developing stronger awareness from the international market about North Sumatera province, as one of the tourism destinations in Indonesia..

 

Keywords : Whitewater, Tourism, North Sumatera

 

REFERENCES

Bos, H., 2004. Trends for Tourism in Europe. Megatrends of Tourism in Europe to the year 2005 and Beyond. Brussels, European Travel Commission. Available from: http://etc-corporate.org (Accessed in December 5, 2012).

Goeldner, C. R., Ritchie, J. R, B., and McIntosh, R. W. (2000), Tourism: Principles, Practices, Philosophies, 8th Edition, John Willey & Sons Inc., Canada.

Hall, C.M., and Page, S.J. (2002), The Geography of Tourism and Recreation. Environment, Place and Space, 2nd Edition, Routledge, Canada.

Swarbrooke, J., (2002), The Scottish Parliament Information Centre, Niche Tourism in

Scotland:BusinessTourism.Availablefrom: http://www.scottish.parliament.uk/business (Accessed December 7, 2012).

……, (2006), World Travel and Tourism Council. Indonesia. The 2006 Travel and Tourism Economic Research. Available from: http://www.wttc.org/2006TSA (Accessed December 7, 2012).

Wiharjokusumo, Padriadi (2012), “Implementasi Perlindungan Hukum Terhadap Wisatawan Dalam Mengikuti Paket Wisata Petualangan Arung Jeram Di Sungai Alas Aceh Tenggara Oleh Biro Perjalanan Pada PT.Jeram Tirta Sumatera”, Magister Thesis, Law Faculty of Darma Agung University,Medan: Indonesia.

http://www. Whitewater-expedition (Accessed in December 7, 2012, 10 AM).

 

LEGAL PROTECTION OF CREDIT CARD CUSTOMERS AGAINST DEBT COLLECTOR IN THE PERSPECTIVE OF LAW ASPECT OF BANK INDONESIA ROLE

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LEGAL PROTECTION OF CREDIT CARD CUSTOMERS AGAINST DEBT COLLECTOR IN THE PERSPECTIVE OF LAW ASPECT OF BANK INDONESIA ROLE

Padriadi Wiharjokusumo
Email: knb.ministry76@gmail.com
Tourism and Hotel Academy of Darma Agung

 

ABSTRACT

One of the most complaints frequently exposed in mass media was about the credit collection dispute  regarding the use of credit card. Credit cardholders were often in the weak position compared with the bank as the issuing institution. Therefore, the role of Bank Indonesia (BI) as the authorized institution in payment system was required to supervise the rapid growth of credit card business in Indonesia.

Due to the credit card collection practices were not carried out properly by banks. Bank Indonesia (BI)  should increasethe protection of the cardholdersby providinglegalprotectionagainstdebt collectors.

The result of this research indicated that Bank Indonesia in resolving the credit collection dispute, regarding the use of credit card among the cardholders and issuing banks applied the non-ligation approach via Banking Mediation which was stipulated in Bank Indonesia Regulation No. 10/10/PBI/2008 Concerning the Resolving Customer Complaint. Besides, according to Bank Indonesia Regulation No. 14/2/PBI/2012 and Bank Indonesia Circular Letter No. 14/ 17 /DASP dated June 7 2012.  Bank could employ a debt collector agency or billing service providers as long as they obey the existing law, stipulated by the government and card association.

The purpose of this research was to find out the latest Bank Indonesia Regulation and the Bank Indonesia Circular Letter of credit card issuance regulation as well as the legal basis for the bank to employ the debt collectors. Research was conducted by studying the current publications, gathering and researching empirical data and examination of case studies.

 

Keywords : Bank Indonesia, credit card holder, debt collector.

 

REFERENCES

BOOKS:

Faisol Muhammad, Saptono Hendro, Budiharto, Aspek Tinjauan Hukum Peranan Bank Indonesia Dalam Memberikan Perlindungan Hukum Nasabah Kartu Kredit Terhadap Debt Collector (DIPONEGORO LAW REVIEW, Volume 1, Nomor 4, Tahun 2012).

 

Flory Santosa, Pedoman Praktis Menghindari Perangkap Utang Kartu Kredit, Forum Sahabat, 2009)

 

Soerjono Soekanto dan Sri Mahmuji Rahayu, Penelitian hukum Normatif Suatu Tinjauan Singkat, (Jakarta: PT Raja Grafindo Persada, 2004)

 

Puji Atmoko, Ekonomi Global 2012: Mewaspadai Bubble Kartu Kredit Dalam Bingkai Pengawasan Makroprudensial, Gerai Info, Edisi 23 Februari 2012 Tahun 3 Newsletter Bank Indonesia, (Jakarta, Humas Bank Indonesia).

 

Marcus Smith and Patricia Robertson, Chapter 4, Law of Bank Payments, Editor Michael Brindle and Raymond Cox, 3rd Edition, 2004.

 

Mark Budnitz and Margot Saunders, Consumer banking and payments law: credit, debit & stored value cards, checks, money orders, e-sign,electronic banking and benefit payments, 2nd Edition, National Consumer Law Center, 2002.

 

Payment Systems in Singapore 2001, Bank for International Settlement.

 

REGULATION AND LEGISLATION:

Book of Indonesian Civil Code

Book of Indonesian Commercial Code

Law No. 3 of 2004 Concerning Bank Indonesia

Law No. 8 Concerning Consumer Protection

 

Bank Indonesia Regulation No. 14/2/PBI/2012 dated January 6, 2012 amends Bank Indonesia Regulation No. 11/11/PBI/2009 regarding card based payment instruments. This Regulation regulates, among others, (i) the maximum interest rate for credit cards which will be determined by Bank Indonesia, (ii) the requirements for granting the credit card facility, (iii) the prudence principles and consumer protection related to fees, imposed sanctions and information provided to costumers, and (iv) outsourcing.

 

Bank Indonesia Circular Letter No. 14/4/DPNP dated January 25, 2012 regarding commercial banks. This Circular Letter sets forth, among others, several provisions on risk management and the review of the opening plan, change of status, change of address and closure of bank offices in the bank’s business plan.

 

Bank Indonesia Circular Letter No. 14/5/DSM dated January 27, 2012 provides the second amendment to Bank Indonesia Circular Letter No. 11/2/DSM dated January 22, 2009 regarding commercial banks monthly reports. This Circular Letter changes the guidelines for preparing the monthly report.

CHINA AS A HUGE POTENTIAL MARKET FOR INDONESIAN INBOUND TOURISM INDUSTRY

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CHINA AS A HUGE POTENTIAL MARKET FOR INDONESIAN INBOUND TOURISM INDUSTRY

Padriadi Wiharjokusumo
Email: knb.ministry76@gmail.com
Tourism and Hotel Academy of Darma Agung

Abstract

Indonesia is expected to attract more Chinese tourists through active tourism promotion in China, such as the 12th China International Travel Mart (CITM) and the World Expo Shanghai China (WESC) 2010. Besides, the Indonesian government has been improving security and providing comfort for foreign tourists. Supporting infrastructures such as transportation, especially daily direct international flights Jakarta-Beijing, has been improved and increased. Chinese tourists are the fifth largest in Indonesia after Singapore, Malaysia, Japan and Australia. In 2011, as many as 470,000 Chinese tourists visited Indonesia out of total 7.65  million of foreign tourist.

However, that not much information could be obtained by the Chinese tourists about Indonesia’s tourism. 80 percent of them know Indonesia’s tourism via the Internet whereas tourism information in the Internet is dominated by Bali.

The purpose of this article is to determine the opportunities related to increase in the number of Chinese tourists travelling abroad, particularly for Indonesia. Research was conducted by studying the current publications, gathering and researching empirical statistical data and examination of case studies. Article presents the results of one of the first systematic scientific researches on this topic in the region.

Keywords : tourism, Indonesia, China.

 

 

REFERENCES

China National Convention Center (2010), “The China and Asia Meetings Industry Research Report”, China National Convention Center, Beijing, China 31 August – 2 September 2010//

http://www.cibtm.com/RXUK/RXUK_CIBTM_v2/2010%20Education/CIBTM%20Research%20 Report%20.pdf (accessed: December 20,2012).

 

COTRI (2012) “Press Releases” //http://www.china-outbound.com/ (accessed:December 21,2012).

Fan, T., Oosterhaven, J. (2005), “The Impact of International Tourism on the Chinese Economy,” Paper for the 15th International Input-Output Conference, Beijing, June 2005//

http://www.linkbc.ca/torc/downs1/impact%20of%20international%20economy%20on%20china.pdf (accessed: December 24,2012).

 

Indonesia Tourism Performance (2011), “International Visitor Arrivals in Indonesia”,

 

Lim, C. , Pan, G. W. (2003), “An Econometric Analysis of Inbound Tourism for China v International Congress on Modelling and Simulation” Proceedings: Volume 3: Socio-Economic Systems//

http://www.mssanz.org.au/MODSIM03/Volume_03/B05/07_Lim_China.pdf (January 5, 2013).

 

O’Neill, J., Stupnytska, A. (2009), “The Long-Term Outlook for the BRICs and N-11 Post-Crisis”, Global Economics Paper 192: pp. 1–28// http://www2.goldmansachs.com/ideas/brics/long-term-outlookdoc.pdf. (accessed: January 5,2013).

 

UNWTO (2011), “Tourism Towards 2030 Global Overview”, World Tourism Organization//

http://cedocvirtual.sectur.gob.mx/janium/Documentos/unwto2030.pdf (accessed: January 15,2013).

 

UNWTO (2012), “World Tourism Barometer,” // http://unwto.org/facts/eng/barometer.htm. (accessed: January 20,2012).