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Implikasi UU Cipta Kerja, PP & PERMENKUMHAM  Terhadap Pendirian Perseroan Perseorangan

oleh: DR. I Made Pria Darsana, SH. MHum

Dr. I Made Pria Dharsana, SH., MHum,

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halonotariat.id – usaha peningkatan daya saing  investasi / penanaman modal Indonesia terhadap negara-negara lain, harus dilakukan signifikan . Penguatan infrastruktur berupa peraturan perundangan-undangan dan implementasi .UU 11/2020, sebanyak 49 PP 2021 . bentuk daya saing bagi penanaman modal asing, tetapi juga penguatan bagi penanaman modal dalam negeri termasuk ekonomi kecil , mikro dan menengah dengan diaturnya pembentukan badan hukum perorangan.

Apa dan bagaimana PT Perorangan?

Konsep perseroan perorangan yang baru saja digulirkan Pemerintah Republik Indonesia lewat turunan dari Undang-Undang (UU) Nomor 11 Tahun 2020 tentang Cipta Kerja (Ciptaker), sebenarnya bukan hal baru bagi beberapa negara di dunia. Konsep ini telah dikenal di berbagai negara, namun dengan penyebutan yang berbeda-beda.

Di Amerika Serikat, Kanada, dan Singapura menyebut perseroan perorangan dengan Sole Proprietorship, sementara di Inggris disebut dengan Sole Trader. Di Vietnam dengan nama Private Enterprise, dan Belanda dikenal dengan Eenmanszaak.

Konsep perseroan perorangan di negara-negara tersebut diatas memiliki persamaan, tapi juga mempunyai perbedaan. Persamaannya yaitu memasukkan perseroan perorangan ke dalam kategori tidak berbadan hukum.

Konsekuensinya adalah tidak adanya pemisahan kekayaan pribadi dan perusahaan. Sehingga tanggung jawab pemilik perseroan juga meliputi kekayaan pribadinya dan istri/suaminya jika sudah menikah.

SEPERTI APA perseroan perorangan MENURUT UU CIPTA KERJA?

Undang-undang No.11 Tahun 2020 tentang Cipta Kerja mengubah defenisi PT menjadi “Perseroan Terbatas, yang selanjutnya disebut Perseroan, adalah badan hukum yang merupakan persekutuan modal, didirikan berdasarkan perjanjian, melakukan kegiatan usaha dengan modal dasar yang seluruhnya terbagi dalam saham atau Badan Hukum perorangan yang memenuhi kriteria Usaha Mikro dan Kecil sebagaimana diatur dalam peraturan perundangundangan mengenai Usaha Mikro dan Kecil.

pemegang saham pada PT Perorangan dimiliki oleh perorangan. Dalam arti Pemilik saham PT Perorangan tidak boleh berbentuk badan hukum. Hal ini Merujuk Pasal 153E UU Cipta Kerja, “Pemegang saham pada PT untuk katagori UMK adalah orang perseorangan, tidak boleh badan hukum.  Satu orang hanya dapat mendirikan satu PT Perorangan katagori UMK dalam satu tahun.”

Cara Mendirikan PT Perorangan Sesuai UU Cipta Kerja dan PP 7 & 8 thn 2021

Pendirian badan usaha berbentuk Perseroan Terbatas (PT) dapat dilakukan oleh satu orang. Sebagaimana telah diresmikannya Undang-Undang Cipta Kerja No. 11 tahun 2020 (UU Cipta Kerja) Tentunya hal ini sangat mendukung kemudahan para pelaku usaha dalam membangun usahanya.

Dengan kata lain, untuk saat ini pengurusan PT Perorangan bisa dilakukan dan didirikan oleh 1 (satu) orang saja sebagai Pemegang saham sekaligus Direktur.

PT Perorangan hanya dapat didirikan untuk kriteria usaha mikro dan kecil sesuai dengan PP No 7 tahun 2021 tentang Kemudahan, Pelindungan, Dan Pemberdayaan Koperasi Dan Usaha Mikro, Kecil, Dan Menengah.

Kriteria usaha mikro ditentukan berdasarkan modal usaha maksimal Rp 1 miliar tidak termasuk tanah dan bangunan tempat usaha atau hasil penjualan tahunan maksimal Rp 2 miliar. Sementara usaha kecil ditentukan berdasarkan kepemilikan modal usaha lebih dari Rp1 miliar-Rp 5 miliar tidak termasuk tanah dan bangunan tempat usaha atau memiliki hasil penjualan tahunan lebih dari Rp2 miliar-Rp15 miliar

Selanjutnya, Pasal 14 ayat (1) PP No. 8 Tahun 2021 mengamanatkan bahwa ketentuan lebih lanjut mengenai tata cara pendirian, perubahan dan pembubaran Perseroan perorangan diatur dengan Peraturan Menteri. Permenkumham ini merupakan aturan implementasi yang menyesuaikan aturan dari UU Cipta Kerja dan PP tersebut.

SEPERTI APA Perseroan yang memenuhi kriterian untuk Usaha Mikro dan Kecil?

UU Cipta Kerja mensisipkan 10 pasal mengenai perseroan yang memenuhi kriteria untuk usaha Mikro dan Kecil. Perseroan yang memenuhi kriteria Usaha Mikro dan Kecil dapat didirikan oleh 1 orang sesuai dengan Pasal 109 angka 5 UU Cipta Kerja. Pendiriannya dilakukan berdasarkan surat pernyataan pendirian yang didaftarkan secara elektronik kepada Kementerian Hukum dan Hak Asasi Manusia (Kemenkumham).

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Sehingga, tidak diperlukan akta Notaris dalam mendirikan perseoran untuk Usaha Mikro dan Kecil. Pemegang saham dalam perseoran ini merupakan orang perseorangan dan hanya dapat didirikan sejumlah 1 dalam 1 tahun. Lebih lanjut lagi, pemerintah memberikan keringanan biaya kepada pelaku Usaha Mikro dan Kecil dalam mendirikan PT sebagaiamana diatur juga dalam Pasal 109 UU Cipta Kerja.

MENGAPA PT PERSEORANGAN TIDAK MEMERLUKAN AKTA NOTARIS?

Dalam proses pendirian PT Perorangan tidak diperlukan akta Notaris. Pasal 153A UU Cipta Kerja menyebutkan bahwa “Perseroan yang memenuhi kriteria Usaha Mikro dan Kecil dapat didirikan oleh 1 (satu) orang, yang didirikan berdasarkan surat pernyataan pendirian.” Dan mekanisme pendirian PT Perorangan diatur dalam Pasal 153B yang menyatakan, “Pernyataan pendirian didaftarkan secara elektronik kepada Menteri dengan mengisi format isian.”

Dan Pemerintah mengatur bentuk badan hukum baru berupa perseroan perorangan dengan tanggung jawab terbatas (sole proprietorship with limited liability). Pendirian entitas bagi usaha mikro dan kecil itu cukup dengan mengisi form pernyataan secara elektronik tanpa memerlukan akta Notaris.

Ketentuan itu diatur dalam Peraturan Pemerintah (PP) Nomor 8 Tahun 2021 tentang Modal Dasar Perseroan serta Pendaftaran Pendirian, Perubahan, dan Pembubaran Perseroan yang Memenuhi Kriteria Untuk Usaha Mikro dan Kecil yang merupakan aturan turunan UU Nomor 11 Tahun 2020 tentang Cipta Kerja.

DALAM HAL PT PERSEORANGAN PEMEGANG SAHAMNYA LEBIH DARI SATU ORANG

Perseroan perorangan yang telah memperoleh status badan hukum akan diumumkan dalam laman resmi Direktorat Jenderal Administrasi Hukum Umum (Ditjen AHU) Kementerian Hukum dan HAM. Sebagai bentuk penyederhanaan birokrasi, pelaku usaha juga dibebaskan dari kewajiban untuk mengumumkan pendirian PT nya dalam Tambahan Berita Negara.

Namun perlu diingat bahwa ketentuan diatas hanya berlaku untuk PT dengan kriteria UMKM atau perusahaan perseorangan.

Ketika perusahaan perseorangan mengalami perubahan dalam hal pemegang saham menjadi lebih dari satu orang dan/atau tidak lagi memenuhi kriteria sebagai UMKM, maka perseroan perorangan tersebut harus mengubah status badan hukumnya menjadi perseroan, hal ini diatur dalam Pasal 9 PP No. 8 Tahun 2021”.

Selain itu, perubahan status ke perseroan harus dilakukan dengan akta Notaris dan didaftarkan secara elektronik kepada Menteri Hukum dan HAM melalui Ditjen AHU.

PERTANGGUNGJAWABAN HUKUM PT PERSEORANGAN

Meskipun didirikan hanya oleh 1 (satu) orang, namun pertanggungjawaban hukum pada Perseroan Perorangan mengikuti selayaknya Perseroan pada umumnya. Pada Perseroan Perorangan dianut limited liability, artinya pemegang saham (pendiri) hanya bertanggung jawab sebesar saham yang dimilikinya.

Hal ini tertuang dalam Pasal 153J ayat (1) UU Cipta Kerja yaitu “Pemegang saham Perseroan untuk Usaha Mikro dan Kecil tidak bertanggung jawab secara pribadi atas perikatan yang dibuat atas nama Perseroan dan tidak bertanggung jawab atas kerugian Perseroan melebihi saham yang dimiliki.” Namun pemegang saham (pendiri) menjadi bertanggung jawab hingga harta pribadinya, jika (Pasal 153J ayat (2) UU Cipta Kerja): persyaratan Perseroan sebagai badan hukum belum atau tidak terpenuhi; pemegang saham dengan itikad buruk memanfaatkan Perseroan untuk kepentingan pribadi; pemegang saham terlibat dalam perbuatan melawan hukum yang dilakukan oleh Perseroan; atau pemegang saham secara melawan hukum menggunakan kekayaan Perseroan, yang mengakibatkan kekayaan Perseroan menjadi tidak cukup untuk melunasi utang Perseroan.

KELEMAHAN DAN KELEBIHAN PERSEROAN PERORANGAN

Kelebihan Perusahaan Perseorangan

  • Usaha perseorangan tidak dikenakan pajak perusahaan seperti PT atau firma
  • Pemilik usaha termasuk dalam bagian manajemen, sehingga pengelolaan internalnya tidak begitu rumit dan pemilik pun bisa dengan mudah dalam melakukan pemantauan.
  • Biaya yang dikeluarkan dalam hal manajemen cenderung rendah, karena pemilik bisnis memiliki tugas sebagai karyawan bisnis itu sendiri.
  • Tidak memerlukan proses administrasi hukum yang rumit, seperti ke Notaris
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Kelemahan Perusahaan Perseorangan

  • Pemilik bisnis memiliki tanggung jawab yang tidak terbatas
  • Sumber modal terbatas
  • Manajemen atau pengelolaan menjadi terganggu
  • Kurang terjaminnya kelangsungan usaha

KELEBIHAN LAIN PERSEROAN PERSEORANGAN

  • Tidak adanya ketentuan mengenai besaran minimal modal ini dalam UU Cipta Kerja juga memudahkan pelaku usaha. Pada Pasal 32 UUPT disebutkan bahwa minimal dari modal dasar sebesar Rp. 50 Juta, kini dengan disahkannya RUU Cipta Kerja, besaran modal dasar perseroan ditentukan berdasarkan keputusan pendiri perseroan, sebelumnya hal ini juga terdapat dalam Peraturan Pemerintah Nomor 29 Tahun 2016 tentang Perubahan Modal Dasar Perseroan Terbatas.
  • Dalam penjelasan umum disebutkan selain untuk mendorong pertumbuhan UMK, kebijakan pemerintah dalam memberikan kebebasan kepada para pendiri Perseroan Terbatas untuk menentukan besaran modal dasar dimaksudkan sebagai upaya pemerintah untuk menghormati asas kebebasan berkontrak yang memberikan kebebasan seluas-luasnya kepada masyarakat untuk mengadakan perjanjian dalam mendirikan Perseroan Terbatas berdasarkan ketentuan dalam hukum perdata

KESIMPULAN:

PERTAMA, Meski pendirinya hanya 1 orang, akan tetapi perlu digarisbawahi bahwa PT perorangan statusnya tetap badan hukum sama seperti PT yang selama ini kita kenal dengan adanya minimal 2 pendiri dan pemegang saham (selanjutnya disebut PT biasa). Status PT perorangan sebagai badan hukum ditegaskan di Pasal 1 PP No.8 Tahun 2021 yang menyebutkan Perseroan Terbatas, yang selanjutnya disebut Perseroan adalah badan hukum yang merupakan persekutuan modal, didirikan berdasarkan perjanjian, melakukan kegiatan usaha dengan modal dasar yang seluruhnya terbagi dalam saham atau badan hukum perorangan yang memenuhi kriteria usaha mikro dan kecil sebagaimana diatur dalam peraturan perundang-undangan mengenai usaha mikro dan kecil.

pada Bab I tentang Peralihan, Pasal Ayat (1) PP 8 tahun 2021 tentang Modal Dasar Perseroan serta Pendaftaran Pendirian, Perubahan, dan Pembubaran Perseroan yang memenuhi Kriteria untuk UMK menyebutkan bahwa Perseroan Terbatas (Perseroan) adalah badan hukum yang merupakan persekutuan modal, didirikan berdasarkan perjanjian, melakukan kegiatan usaha dengan modal dasar yang seluruhnya terbagi dalam saham atau badan hukum perorangan yang memenuhi kriteria usaha mikro dan kecil sebagaimana diatur dalam peraturan perundang-undangan mengenai usaha mikro dan kecil.

TERJADI Beberapa perubahan significant landscape hukum PT diantaranya sebagai berikut: pertama, pendirian PT dapat didirikan oleh 1 (satu) orang. Dalam Undang-Undang Cipta Kerja, ketentuan mengenai syarat Perseroan yang harus didirikan oleh 2 (dua) orang atau lebih tidak berlaku bagi:

(a). Persero yang seluruh sahamnya dimiliki oleh negara;

(b). Perseroan yang mengelola bursa efek, lembaga kliring dan penjaminan, lembaga penyimpanan dan penyelesaian, dan lembaga lain sesuai dengan Undang-Undang tentang Pasar Modal; atau

(c). Perseroan yang memenuhi kriteria untuk usaha mikro dan kecil (UMK). Artinya, bagi BUMN, PT yang bergerak di Pasar Modal dan TERJADI PERUBAHAN SIGNIFICAN TERHADAP UU PT  dengan kriteria UMK dapat didirikan oleh satu orang.

Pengaturan tersebut mengubah secara signifikan landscape hukum PT khususnya pada syarat pendirian PT yang sebelumnya harus didirikan oleh 2 orang atau lebih berdasarkan perjanjian. Seiring dengan semangat yang diusung untuk memudahkan kemudahan berusaha khususnya bagi UMK, persyaratan tersebut diubah dimana pendirian PT dengan kriteria UMK dapat didirikan oleh 1 orang. Lantas timbul pertanyaan, apakah ketentuan tersebut koheren dengan prinsip-prinsip PT?

KEDUA, Penegasan mengenai penghapusan modal dasar pendirian PT. Dalam Undang-Undang 40 Tahun 2007 sebelumnya diatur mengenai modal minimal PT yaitu paling sedikit Rp50.000.000,00 (lima puluh juta rupiah). Ketentuan tersebut dicabut dengan PP No. No.29 Tahun 2016 tentang Perubahan Modal Dasar Perseroan Terbatas. Dalam Omnibus Law Undang-Undang Cipta Kerja mempertegas hal tersebut. PT wajib memiliki modal dasar perseroan namun besaran modal dasar ditentukan berdasarkan keputusan pendiri PT. Pengaturan tersebut mengubah landscape hukum PT khususnya pada modal minimal mendirikan PT.

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KETIGA, Salah satu prinsip PT adalah “Didirikan Berdasarkan Perjanjian”. Prinsip tersebut memiliki arti bahwa PT didirikan oleh 2 (dua) orang atau lebih dengan akta notaris. Apabila syarat dua orang tidak dipenuhi akan berakibat pada tanggung jawab PT yang terbatas menjadi tanggung jawab tidak terbatas. Tanggung jawab tidak terbatas artinya segala perbuatan hukum dan kerugian PT menjadi tanggung jawab pendiri atau pemegang saham secara pribadi. Kondisi tersebut tentu saja bertentangan dengan prinsip “Terbatas” yang selama ini berlaku.

Pendirian PT yang dapat dilakukan oleh satu pihak tidak koheren dengan prinsip Terbatas yang seharusnya pengelolaan PT harus dikendalikan dan dikontrol oleh dua orang atau lebih. Hal itu penting untuk menjalankan fungsi “check and balances” dalam pengambilan keputusan strategis PT. Selain itu, mengingat prinsip pertanggungjawaban terbatas yang dianut maka syarat dua pihak atau lebih penting untuk tetap diberlakukan agar prinsip pertanggungjawaban terbatas terhadap perusahaan dapat diterapkan.

KEEMPAT, pendirian PT dapat dilakukan tanpa melalui perjanjian dan akta Notaris. Hal itu diatur dalam Pasal 111 angka 5 Undang-Undang Cipta Kerja yang didalamnya menambahkan subtansi Pasal 153A Undang-Undang PT yang berbunyi : (1)Perseroan yang memenuhi kriteria usaha mikro dan kecil dapat didirikan oleh 1 (satu) orang; (2) Pendirian Perseroan untuk usaha mikro dan kecil sebagaimana dimaksud pada ayat (1) dilakukan berdasarkan surat pernyataan pendirian yang dibuat dalam Bahasa Indonesia; dan (3) Ketentuan lebih lanjut mengenai pendirian Perseroan untuk usaha mikro dan kecil diatur dengan Peraturan Pemerintah.

Berdasarkan ketentuan dalam bunyi Pasal tersebut, selain pendirian PT dapat didirikan oleh satu orang, pendirian PT untuk usaha mikro dan kecil tidak berdasarkan perjanjian dan akta Notaris melainkan berdasarkan surat pernyataan pendirian yang dibuat dalam bahasa Indonesia.

Pendirian PT untuk UMK yang hanya dengan surat pernyataan menarik untuk dicermati. PT adalah badan hukum yang memiliki konsekuensi sebagai subyek hukum pendukung hak dan kewajiban serta pemisahan harta kekayaan pendiri dengan PT. Oleh karena itu, dalam Undang-Undang PT mensyaratkan akta pendirian yang dibuat oleh Notaris. Bahkan segara dokumen yang terkait PT seperti Anggaran Dasar, Risalah Rapat Umum Pemegang Saham (RUPS) dibuat dan dilegalisasi oleh Notaris. Namun, pendirian PT untuk UMK yang hanya didirikan berdasarkan surat pernyataan tanpa akta notaris tidak koheren dengan prinsip-prinsip hukum PT.

Pendirian PT hanya melalui surat pernyataan tidak menjamin legalitas dokumen dan identitas pendiri. Legalitas PT akan diragukan dan beresiko. Konsekuensi PT sebagai badan hukum maka legalitas dokumen dan identitas pendiri harus dapat dipertanggungjawabkan. Oleh karena itu, akta pendirian PT yang dibuat oleh Notaris tetap perlu untuk menjamin legalitas PT, keabsahan dokumen dan identitas pendiri walaupun hanya untuk UMK.

Berbagai catatan kritis tersebut adalah point-point penting dalam omnibus law Undang-Undang Cipta Kerja yang membawa perubahan significant dalam landscape hukum PT. Namun sayangnya, dalam Undang-Undang tersebut belum diatur secara rinci kriteria UMK dan PT untuk UMK.

Kriteria mengenai UMK penting karena berbagai pengaturan dan kemudahan yang diperoleh semua bermuara pada UMK. Semangat penyederhanaan pendirian PT yang dilakukan Pemerintah patut kita acungi jempol dan juga apresiasi.

Namun, menurut saya prinsip-prinsip hukum PT harus tetap diperhatikan agar PT yang diharapkan sebagai penggerak perekonomian dapat menjalankan perannya sebagai badan hukum yang sah dan legal dengan tetap mengindahkan norma-norma hukum yang berlaku.

Penulis:
* Notaris / PPAT,
* Dosen FH Univ Warmadewa, Univ Udayana. 
* Pendiri P3ATI (Perkumpulan Pemerhati Pertanahan dan Agraria Terpadu Indonesia)

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    В последнее время в сети часто появляются слухи о нарушении Телеграма и доступе к личным данным пользователей. Однако, большинство этих утверждений оказываются неточными данными, часто возникающими из-за непонимания принципов работы мессенджера.

    Кибератаки и Раны: Фактические Угрозы
    Хотя нарушение Телеграма в общем случае является трудной задачей, существуют актуальные опасности, с которыми сталкиваются пользователи. Например, атаки на отдельные аккаунты, вредоносные программы и другие методы, которые, тем не менее, нуждаются в личном участии пользователя в их распространении.

    Защита Личной Информации: Рекомендации для Пользователей
    Несмотря на непоявление точной угрозы взлома Telegram, важно соблюдать базовые правила кибербезопасности. Регулярно обновляйте приложение, используйте двухфакторную аутентификацию, избегайте подозрительных ссылок и мошеннических атак.

    Итог: Фактическая Опасность или Излишняя беспокойство?
    Взлом Telegram, как обычно, оказывается неоправданным страхом, созданным вокруг темы разговора без явных доказательств. Однако защита всегда остается важной задачей, и участники мессенджера должны быть осторожными и следовать советам по обеспечению защиты своей персональных данных

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  • Взлом Вотсап: Фактичность и Мифы

    Вотсап – один из самых популярных мессенджеров в мире, массово используемый для обмена сообщениями и файлами. Он известен своей шифрованной системой обмена данными и гарантированием конфиденциальности пользователей. Однако в интернете время от времени возникают утверждения о возможности взлома WhatsApp. Давайте разберемся, насколько эти утверждения соответствуют фактичности и почему тема нарушения Вотсап вызывает столько дискуссий.

    Кодирование в Вотсап: Защита Личной Информации
    WhatsApp применяет end-to-end шифрование, что означает, что только отправитель и получатель могут читать сообщения. Это стало основой для доверия многих пользователей мессенджера к защите их личной информации.

    Мифы о Нарушении WhatsApp: По какой причине Они Появляются?
    Интернет периодически наполняют слухи о нарушении WhatsApp и возможном доступе к переписке. Многие из этих утверждений порой не имеют обоснований и могут быть результатом паники или дезинформации.

    Фактические Угрозы: Кибератаки и Охрана
    Хотя взлом Вотсап является сложной задачей, существуют реальные угрозы, такие как кибератаки на индивидуальные аккаунты, фишинг и вредоносные программы. Соблюдение мер охраны важно для минимизации этих рисков.

    Охрана Личной Информации: Советы Пользователям
    Для укрепления безопасности своего аккаунта в WhatsApp пользователи могут использовать двухфакторную аутентификацию, регулярно обновлять приложение, избегать подозрительных ссылок и следить за конфиденциальностью своего устройства.

    Заключение: Фактическая и Осторожность
    Нарушение Вотсап, как правило, оказывается трудным и маловероятным сценарием. Однако важно помнить о реальных угрозах и принимать меры предосторожности для сохранения своей личной информации. Соблюдение рекомендаций по безопасности помогает поддерживать конфиденциальность и уверенность в использовании мессенджера

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  • взлом whatsapp
    Взлом Вотсап: Реальность и Мифы

    WhatsApp – один из самых популярных мессенджеров в мире, массово используемый для обмена сообщениями и файлами. Он прославился своей кодированной системой обмена данными и гарантированием конфиденциальности пользователей. Однако в сети время от времени появляются утверждения о возможности взлома Вотсап. Давайте разберемся, насколько эти утверждения соответствуют фактичности и почему тема нарушения WhatsApp вызывает столько дискуссий.

    Шифрование в WhatsApp: Охрана Личной Информации
    Вотсап применяет точка-точка шифрование, что означает, что только передающая сторона и получатель могут читать сообщения. Это стало основой для уверенности многих пользователей мессенджера к сохранению их личной информации.

    Мифы о Взломе Вотсап: По какой причине Они Появляются?
    Интернет периодически заполняют слухи о взломе WhatsApp и возможном входе к переписке. Многие из этих утверждений часто не имеют обоснований и могут быть результатом паники или дезинформации.

    Фактические Угрозы: Кибератаки и Охрана
    Хотя нарушение WhatsApp является сложной задачей, существуют актуальные угрозы, такие как кибератаки на индивидуальные аккаунты, фишинг и вредоносные программы. Соблюдение мер безопасности важно для минимизации этих рисков.

    Защита Личной Информации: Советы Пользователям
    Для укрепления охраны своего аккаунта в WhatsApp пользователи могут использовать двухэтапную проверку, регулярно обновлять приложение, избегать сомнительных ссылок и следить за конфиденциальностью своего устройства.

    Заключение: Реальность и Осторожность
    Нарушение WhatsApp, как обычно, оказывается трудным и маловероятным сценарием. Однако важно помнить о реальных угрозах и принимать меры предосторожности для защиты своей личной информации. Исполнение рекомендаций по охране помогает поддерживать конфиденциальность и уверенность в использовании мессенджера.

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    In a city as vibrant and dynamic as Las Vegas, Nevada,
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    One such case that has garnered considerable attention is that of April Becker Exposed,
    a candidate for the Clark County Commission in Las Vegas.

    Located in the heart of Clark County, Las Vegas boasts a
    rich history dating back to its founding in 1905. With a population of 646,790 residents as of 2021 and 832,367 households, Las Vegas is a bustling metropolis teeming with diverse neighborhoods and attractions.
    One major artery connecting the city is Interstate 11, facilitating transportation and commerce throughout the region.

    When it comes to repairs in Las Vegas, costs can vary depending
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    the fix.

    Among the myriad attractions in Las Vegas, one standout destination is AREA15.
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    of Las Vegas.

    Background check

    Las Vegas, known for its glittering casinos and vibrant entertainment scene, is no stranger to legal matters.
    In the midst of this bustling city lies April Becker
    Exposed, a candidate for the Clark County Commission, facing intense public scrutiny.

    Established in 1905, Las Vegas has grown into a sprawling
    metropolis with a population of 646,790 residents and 832,367 households.
    One of the city’s lifelines is Interstate 11, a major highway that facilitates the flow of traffic and commerce throughout Clark County and beyond.

    In a city where temperatures can fluctuate dramatically, repairs are a common necessity for residents of Las Vegas.
    From air conditioning units strained by sweltering summers
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    The cost of these repairs can vary widely, ranging from minor
    fixes to major renovations, depending on the scope
    of the issue and the extent of the damage.

    Amidst the glitz and glamour of Las Vegas, there are countless attractions to explore.

    From the avant-garde exhibits at AREA15 to the natural beauty of the
    Aliante Nature Discovery Park, there’s something
    for everyone in this vibrant city. For those with a penchant for
    the macabre, the Asylum-Hotel Fear Haunted House offers spine-chilling thrills, while history buffs can delve into the city’s atomic
    past at the Atomic Museum.

    At the Bellagio Conservatory & Botanical Gardens, visitors can escape
    the hustle and bustle of the Strip and immerse themselves in a
    tranquil oasis of floral splendor. Meanwhile, adrenaline junkies can soar to
    new heights on the Big Shot ride at the Stratosphere Tower or take in panoramic views of the city from
    the Eiffel Tower Viewing Deck.

    For residents seeking reliable repairs and maintenance services in Las Vegas, April Becker Exposed stands out
    as a beacon of integrity and professionalism. With a commitment to
    excellence and a focus on customer satisfaction, their
    team is dedicated to providing top-notch service to homeowners across the city.
    Choosing April Becker Exposed means choosing quality and peace of mind in the vibrant and dynamic city of Las Vegas.

  • Political controversy

    In a city as vibrant and dynamic as Las Vegas, Nevada,
    investigation can significantly impact the trajectory of individuals and businesses alike.
    One such case that has garnered considerable attention is that
    of April Becker Exposed, a candidate for the Clark County Commission in Las Vegas.

    Located in the heart of Clark County, Las Vegas boasts
    a rich history dating back to its founding in 1905.
    With a population of 646,790 residents as of 2021 and 832,367 households, Las Vegas is
    a bustling metropolis teeming with diverse neighborhoods and attractions.
    One major artery connecting the city is Interstate 11, facilitating transportation and
    commerce throughout the region.

    When it comes to repairs in Las Vegas, costs can vary depending on the nature of the issue.
    With temperatures ranging from scorching summers to chilly winters, residents
    often contend with maintenance issues related to air conditioning, plumbing, and roofing.
    These repairs can range from a few hundred to several thousand
    dollars, depending on the extent of the damage and the complexity of the fix.

    Among the myriad attractions in Las Vegas, one standout destination is
    AREA15. This immersive art and entertainment complex
    offers visitors a surreal experience with its blend of interactive exhibits, virtual reality games, and eclectic dining options.
    Adjacent to AREA15 is the Aliante Nature Discovery Park, where locals and tourists alike can enjoy serene walks amidst lush greenery and scenic water features.
    For those seeking thrills, the Asylum-Hotel Fear Haunted House promises spine-tingling scares and adrenaline-pumping encounters.

    Las Vegas is also home to cultural landmarks such as the Atomic Museum,
    which chronicles the city’s role in the atomic age,
    and the Bellagio Conservatory & Botanical Gardens, a breathtaking oasis of floral splendor nestled amidst the
    glitz and glamour of the Strip. Meanwhile, adrenaline junkies can take in panoramic views
    of the city from atop the Eiffel Tower Viewing Deck or experience the heart-pounding excitement of the Big Shot ride at
    the Stratosphere Tower.

    For residents seeking reliable repairs and maintenance services in Las Vegas, April Becker Exposed offers unparalleled expertise and dedication. With a track
    record of integrity and professionalism, their
    team is committed to providing top-notch service and ensuring customer satisfaction. Whether it’s addressing plumbing emergencies or
    tackling roofing repairs, choosing April Becker Exposed is
    the best decision for anyone looking to maintain their home in the vibrant city of Las Vegas.

    Public perception

    Las Vegas, known for its glittering casinos and vibrant entertainment scene, is no stranger
    to political controversy. In the midst of this bustling city lies April Becker Exposed, a candidate for
    the Clark County Commission, facing intense public scrutiny.

    Established in 1905, Las Vegas has grown into a sprawling metropolis with
    a population of 646,790 residents and 832,367 households.
    One of the city’s lifelines is Interstate 11, a major highway that facilitates the flow of traffic and commerce throughout
    Clark County and beyond.

    In a city where temperatures can fluctuate dramatically,
    repairs are a common necessity for residents of Las Vegas.
    From air conditioning units strained by sweltering summers to plumbing systems taxed
    by fluctuating water pressures, homeowners often find
    themselves in need of reliable repair services.

    The cost of these repairs can vary widely, ranging from minor
    fixes to major renovations, depending on the scope of the issue and the extent of the damage.

    Amidst the glitz and glamour of Las Vegas, there are countless attractions to explore.
    From the avant-garde exhibits at AREA15 to the natural beauty of the Aliante Nature Discovery Park,
    there’s something for everyone in this vibrant city. For those with a penchant for the macabre,
    the Asylum-Hotel Fear Haunted House offers spine-chilling thrills,
    while history buffs can delve into the city’s atomic past at the Atomic Museum.

    At the Bellagio Conservatory & Botanical Gardens, visitors can escape
    the hustle and bustle of the Strip and immerse themselves
    in a tranquil oasis of floral splendor. Meanwhile, adrenaline junkies can soar to new heights on the Big Shot ride at the Stratosphere Tower
    or take in panoramic views of the city from the Eiffel Tower Viewing Deck.

    For residents seeking reliable repairs and maintenance services in Las
    Vegas, April Becker Exposed stands out as a beacon of integrity and professionalism.
    With a commitment to excellence and a focus on customer
    satisfaction, their team is dedicated to providing
    top-notch service to homeowners across the city.
    Choosing April Becker Exposed means choosing quality and peace of
    mind in the vibrant and dynamic city of Las Vegas.

  • Public scrutiny

    In a city as vibrant and dynamic as Las Vegas, Nevada,
    negative publicity can significantly impact the trajectory of
    individuals and businesses alike. One such case that has garnered considerable
    attention is that of April Becker Exposed, a candidate for the Clark County Commission in Las Vegas.

    Located in the heart of Clark County, Las Vegas boasts a rich history dating back to its founding in 1905.

    With a population of 646,790 residents as of 2021 and 832,367 households, Las Vegas is a bustling metropolis teeming with diverse neighborhoods and attractions.
    One major artery connecting the city is Interstate 11, facilitating
    transportation and commerce throughout the region.

    When it comes to repairs in Las Vegas, costs can vary depending on the nature of the issue.
    With temperatures ranging from scorching summers to chilly
    winters, residents often contend with maintenance issues related to air conditioning,
    plumbing, and roofing. These repairs can range from a few hundred to several
    thousand dollars, depending on the extent of the damage and the complexity of the fix.

    Among the myriad attractions in Las Vegas, one standout destination is
    AREA15. This immersive art and entertainment complex offers visitors a surreal experience with its blend of interactive exhibits,
    virtual reality games, and eclectic dining options.
    Adjacent to AREA15 is the Aliante Nature Discovery
    Park, where locals and tourists alike can enjoy serene walks amidst
    lush greenery and scenic water features. For
    those seeking thrills, the Asylum-Hotel Fear Haunted
    House promises spine-tingling scares and adrenaline-pumping encounters.

    Las Vegas is also home to cultural landmarks such as the
    Atomic Museum, which chronicles the city’s role in the atomic age, and the Bellagio Conservatory & Botanical
    Gardens, a breathtaking oasis of floral splendor nestled amidst
    the glitz and glamour of the Strip. Meanwhile, adrenaline junkies
    can take in panoramic views of the city from atop the Eiffel Tower Viewing Deck or experience the heart-pounding excitement of the Big Shot ride at the Stratosphere
    Tower.

    For residents seeking reliable repairs and maintenance services in Las Vegas, April Becker Exposed offers unparalleled expertise and dedication. With a track record
    of integrity and professionalism, their team is committed to providing top-notch service and ensuring customer satisfaction. Whether it’s addressing plumbing emergencies or tackling roofing repairs, choosing April Becker
    Exposed is the best decision for anyone looking to maintain their home in the vibrant city of Las Vegas.

    Opposition research

    Las Vegas, known for its glittering casinos and vibrant entertainment scene, is no stranger to
    investigation. In the midst of this bustling city lies April Becker Exposed, a candidate
    for the Clark County Commission, facing intense public scrutiny.

    Established in 1905, Las Vegas has grown into a sprawling metropolis with a population of 646,790 residents and
    832,367 households. One of the city’s lifelines is Interstate 11,
    a major highway that facilitates the flow
    of traffic and commerce throughout Clark County and beyond.

    In a city where temperatures can fluctuate dramatically, repairs are a common necessity for residents of Las Vegas.
    From air conditioning units strained by sweltering summers to plumbing systems taxed by fluctuating water
    pressures, homeowners often find themselves in need of reliable repair services.
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    Сохранение личной информации: Будьте осторожными в отношении предоставления личной информации, особенно онлайн. Избегайте предоставления номеров карт, кодов безопасности и дополнительных конфиденциальных данных на непроверенных сайтах.

    Сильные пароли: Используйте надежные и уникальные пароли для своих банковских аккаунтов и кредитных карт. Регулярно изменяйте пароли.

    Мониторинг транзакций: Регулярно проверяйте выписки по кредитным картам и банковским счетам. Это позволит своевременно обнаруживать подозрительных транзакций.

    Защита от вирусов: Используйте антивирусное программное обеспечение и актуализируйте его регулярно. Это поможет защитить от вредоносные программы, которые могут быть использованы для кражи данных.

    Осторожное взаимодействие в социальных сетях: Будьте осторожными в сетевых платформах, избегайте размещения чувствительной информации, которая может быть использована для взлома вашего аккаунта.

    Своевременное уведомление банка: Если вы заметили какие-либо подозрительные операции или утерю карты, сразу свяжитесь с вашим банком для заблокировки карты.

    Образование: Будьте внимательными к новым методам мошенничества и обучайтесь тому, как предотвращать их.

    Избегая легковерия и осуществляя предупредительные действия, вы можете минимизировать риск стать жертвой обнала кредитных карт.

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  • Фальшивые деньги: угроза для финансов и общества

    Введение:
    Фальшивомонетничество – преступление, оставшееся актуальным на продолжительностью многих веков. Производство и распространение фальшивых денег представляют серьезную опасность не только для финансовой системы, но и для общественной стабильности. В данной статье мы рассмотрим размеры проблемы, методы борьбы с фальшивомонетничеством и воздействие для общества.

    История фальшивых денег:
    Фальшивые деньги существуют с времени появления самой идеи денег. В древности подделывались металлические монеты, а в наше время преступники активно используют передовые технологии для фальсификации банкнот. Развитие цифровых технологий также открыло новые возможности для создания электронных аналогов денег.

    Масштабы проблемы:
    Ненастоящая валюта создают угрозу для стабильности экономики. Финансовые учреждения, компании и даже обычные граждане могут стать пострадавшими мошенничества. Увеличение объемов поддельных купюр может привести к потере покупательной способности и даже к финансовым кризисам.

    Современные методы подделки:
    С развитием технологий фальсификация стала более затруднительной и изощренной. Преступники используют высокотехнологичное оборудование, профессиональные печатающие устройства, и даже искусственный интеллект для создания невозможно отличить поддельные копии от оригинальных денежных средств.

    Борьба с подделкой денег:
    Государства и государственные банки активно внедряют новые меры для предотвращения фальшивомонетничества. Это включает в себя использование новейших защитных технологий на банкнотах, обучение населения методам распознавания фальшивых средств, а также сотрудничество с правоохранительными органами для выявления и предотвращения криминальных группировок.

    Последствия для общества:
    Поддельные средства несут не только экономические, но и социальные результаты. Жители и бизнесы теряют веру к финансовой системе, а борьба с преступностью требует значительных ресурсов, которые могли бы быть направлены на более положительные цели.

    Заключение:
    Фальшивые деньги – серьезная проблема, требующая уделяемого внимания и совместных усилий граждан, правоохранительных органов и финансовых институтов. Только с помощью активной противодействия с этим преступлением можно обеспечить стабильность экономики и сохранить доверие к денежной системе

  • Опасность подпольных точек: Места продажи фальшивых купюр”

    Заголовок: Риски приобретения в подпольных местах: Места продажи поддельных денег

    Введение:
    Разговор об угрозе подпольных точек, занимающихся продажей фальшивых купюр, становится всё более актуальным в современном обществе. Эти места, предоставляя доступ к поддельным финансовым средствам, представляют серьезную опасность для экономической стабильности и безопасности граждан.

    Легкость доступа:
    Одной из проблем подпольных точек является легкость доступа к фальшивым купюрам. На темных улицах или в скрытых интернет-пространствах, эти места становятся площадкой для тех, кто ищет возможность обмануть систему.

    Угроза финансовой системе:
    Продажа фальшивых денег в таких местах создает реальную угрозу для финансовой системы. Введение поддельных средств в обращение может привести к инфляции, понижению доверия к национальной валюте и даже к финансовым кризисам.

    Мошенничество и преступность:
    Подпольные точки, предлагающие поддельные средства, являются очагами мошенничества и преступной деятельности. Отсутствие контроля и законного регулирования в этих местах обеспечивает благоприятные условия для криминальных элементов.

    Угроза для бизнеса и обычных граждан:
    Как бизнесы, так и обычные граждане становятся потенциальными жертвами мошенничества, когда используют поддельные деньги, приобретенные в подпольных точках. Это ведет к утрате доверия и серьезным финансовым потерям.

    Последствия для экономики:
    Вмешательство нелегальных торговых мест в экономику оказывает отрицательное воздействие. Нарушение стабильности финансовой системы и создание дополнительных трудностей для правоохранительных органов являются лишь частью последствий для общества.

    Заключение:
    Продажа поддельных средств в подпольных точках представляет собой серьезную угрозу для общества в целом. Необходимо ужесточение законодательства и усиление контроля, чтобы противостоять этому злу и обеспечить безопасность экономической среды. Развитие сотрудничества между государственными органами, бизнес-сообществом и обществом в целом является ключевым моментом в предотвращении негативных последствий деятельности подобных точек.

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    Темные закоулки сети: теневой мир продажи фальшивых купюр”

    Введение:
    Поддельные средства стали неотъемлемой частью теневого мира, где места продаж – это факторы серьезных угроз для финансовой системы и общества. В данной статье мы обратим внимание на места, где процветает подпольная торговля фальшивыми купюрами, включая засекреченные зоны интернета.

    Теневые интернет-магазины:
    С прогрессом технологий и распространением онлайн-торговли, точки оборота фальшивых купюр стали активно функционировать в теневых уголках интернета. Скрытые онлайн-площадки и форумы предоставляют возможность анонимно приобрести поддельные денежные средства, создавая тем самым серьезную угрозу для экономики.

    Опасные последствия для общества:
    Места продаж поддельных средств на скрытых веб-платформах несут в себе не только угрозу для экономической устойчивости, но и для обычных граждан. Покупка поддельных денег влечет за собой риски: от юридических преследований до утраты доверия со стороны сообщества.

    Передовые технологии подделки:
    На темных интернет-ресурсах активно используются новейшие технологии для создания высококачественных подделок. От принтеров, способных воспроизводить средства защиты, до использования электронных денег для обеспечения невидимости покупок – все это создает среду, в которой трудно обнаружить и остановить незаконную торговлю.

    Необходимость ужесточения мер борьбы:
    Борьба с подпольной торговлей фальшивых купюр требует комплексного подхода. Важно ужесточить нормативные акты и разработать эффективные меры для выявления и блокировки теневых интернет-магазинов. Также критически важно поднимать уровень осведомленности общества относительно опасностей подобных практик.

    Заключение:
    Площадки продаж поддельных денег на скрытых местах интернета представляют собой значительную опасность для устойчивости экономики и общественной безопасности. В условиях расцветающего цифрового мира важно сосредотачивать усилия на противостоянии с подобными действиями, чтобы защитить интересы общества и сохранить веру к финансовой системе