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"ABSTRACTWatershed Management as part of regional development in Indonesia is facing various complex and interrelated issues. It is indicated by the lack of integration among sectors, agencies, regions and community participation. The increasing frequency of floods, droughts, landslides, and water crisis problems recently shows that watershed management in Indonesia has not been effective yet in enhancing sustainable development. Furthermore, the damage of watersheds is commonly observed from the upstreams only, such as the addition of cultivated land area and massive settlement, so that erosion and sedimentation affect the declining productivity of land and the increasing frequency of water-related disasters. If watersheds aredefined as a container of water cycle, then solving its problem by simply rehabilitating the upstreams is not completely right. Government policies on watersheds management need to be reviewed from its initial aspects of science as well, including existing regulations and institutions, so that the contribution and linkage among sectors could be visible. The concept of Integrated Watersheds Management is basically participatory management of multi-stakeholders in conservations and utilization through an ecological concept of interdependency between nature and human beings. This paper aims to explore the effectiveness of watershed managementpolicies in Indonesia in the context of history, regulation, institutions, and policy implementation."

"Jumlah LKM yang sudah beroperasi di Indonesia sangat banyak yang tidak berbentuk Koperasi dan/atau Perseroan Terbatas. Ketiadaan bentuk hukum yang jelas menimbulkan potensi kerugian terhadap nasabah dan bagi LKM itu sendiri. Oleh karena itu, penulis mengangkat rumusan masalah pada penelitian ini bagaimana pengaturan dan pengawasan Otoritas Jasa Keuangan terhadap Lembaga Keuangan Mikro dan bagaimana sinkronisasi peraturan Lembaga Keuangan Mikro dengan peraturan Koperasi Simpan Pinjam dan Peraturan Pebankan. Metode penelitian adalah studi kepustakaan dan didukung dengan wawancara. Pengaturan dan pengawasan OJK terhadap LKM telah diatur dengan UU, Peraturan Pemerintah, dan Peraturan Otoritas Jasa Keuangan sedangkan implementasi pengawasan baru akan dimulai dilaksanakan OJK pada Januari 2016. LKM yang telah bertransformasi menjadi Bank Perkreditan Rakyat tunduk pada peraturan BPR, sedangkan LKM yang telah memperoleh izin usaha sebagai koperasi tunduk pada UU Perkoperasian sehingga tidak wajib memperoleh izin usaha dari OJK.

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The number of Micro Finance Institution that has operated in Indonesia is so many. Mostly of them is not cooperative or limited company. The obscurity of legal entity could bring about potential losses to the client and also Micro Finance Institution itself. Therefore, the problem that will be elaborated in this research is how regulation and supervision Financial Services Authority to Micro Finance Institution and how synchronization Micro Finance Institution regulation with saving and loan cooperative regulation and banking regulation. The research methods in this research is literature study and also supported by interview.

The regulation and supervision Financial Services Authority to Micro Finance Institution has been regulated by law, government regulations, and financial services authority regulations, while implementation of supervision Financial Services Authority to Micro Finance Institution will be started on January 2016. Micro Finance Institution thas was transfomed to the rural bank will obey rural bank regulation, while Micro Finance Institution that have got business license as cooperative will obey to cooperative regulation, so that getting business license from Financial Services Authority is not compulsory for them. "