PERLINDUNGAN HUKUM PIHAK KETIGA YANG MENERUSKAN KREDIT DEBITUR PERUMAHAN PADA BANK BERDASARKAN AKTA KUASA NOTARIS

2019 ◽  
Vol 7 (2) ◽  
pp. 199
Author(s):  
Earline Gracella Hartono Putri ◽  
Arief Suryono

<p>Abstract<br />This article discusses and examines the problems regarding legal protection for parties who are provided with a credit document accompanied  by a notary’s power deed in forwarding the credit of the housing debtor. This research includes prescriptive doctrinal legal research. Data collection obtained by using literature study and technical analysis obtained by using deductive method. The results of the research show that the third party as the recipient of power based on the deed of power of attorney can be guaranteed legal rights. The power of attorney deed made by notary is an authentic deed that has strong legal force and as a perfect proof that binds the parties as long as it is made to fulfill the legal requirements of the agreement, therefore the power deed held by recipient of power of attorney can be used as a basis for acting and taking ownership certificates at the bank when completing credit.<br />Keyword: legal protection; proxy; power of attorney; authentic deed</p><p>Abstrak<br />Penulisan artikel ini membahas dan mengkaji permasalahan mengenai perlindungan hukum bagi pihak yang dibekali dokumen kredit disertai akta kuasa notaris dalam meneruskan kredit debitur perumahan pada bank. Penelitian ini merupakan penelitian hukum normatif bersifat preskriptif. Teknik pengumpulan data menggunakan studi kepustakaan dan teknik analisis menggunakan metode deduktif. Hasil penelitian menunjukkan bahwa pihak ketiga selaku penerima kuasa berdasarkan akta surat kuasa dapat terjamin haknya secara hukum. Akta surat kuasa yang dibuat oleh notaris ialah akta otentik yang memiliki kekuatan hukum kuat dan sebagai alat bukti yang sempurna yang mengikat para pihak sepanjang dibuat dengan memenuhi syarat sah perjanjian, maka dari itu akta kuasa yang dipegang oleh penerima kuasa ini dapat digunakan sebagai dasar bertindak dan pengambilan sertifikat kepemilikan pada bank saat penyelesaian kredit.</p><p>Kata Kunci: Perlindungan hukum; penerima kuasa; surat kuasa; akta otentik</p>

2021 ◽  
Vol 28 (1) ◽  
pp. 47-56
Author(s):  
Nurini Aprilianda ◽  
Ryan Ilham Fibriansyah

Crime is harmful to society, especially to the victims. Legal protection should be taken into account to help the victims recover from the loss suffered. The protection can be made through the payment of restitution by either the offender or the third party. Such an issue has been addressed in the existing law, especially the Witness and Victim Protection Act 2014 (Amendment) and the Government Regulation No. 7 of 2018 concerning Compensation, Restitution, and Aid for Witness and Victim. Unfortunately, they do not impose any sanction over the delay in restitution payment by the third party or the offender. This paper aims at discussing the implication of this legal loophole. This normative legal research employs a statutory approach. It is found that the legal loophole has exposed the victims to secondary victimization due to uncertainty and injustice.


2016 ◽  
Vol 5 (2) ◽  
Author(s):  
Irma Safitri ◽  
Nadirsyah Nadirsyah ◽  
Darwanis Darwanis

The purposes of this research were to determine the effect of the financial performance of Islamic commercial banks in Indonesia on financing, both individually and simultaneously. The performance was measured through Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR). These four independent variables to be tested influence on the dependent variable. This research used census method that includes all of the Islamic banks in Indonesia for observational data. Research data observation period from 2009 until 2013 a total of 11 banks. Multiple linear regression was used to analyze the data.The results of this study found that the Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Financing to Deposit Ratio (FDR) affect the financing, both individually and simultaneously. Fluctuations in either an increase or decrease of financing that occurred in Islamic banking in Indonesia is determined by the four independent variables. That is to say, the four independent variables that have an important role in the financing of Islamic banking in Indonesia. =========================================== Penelitian ini bertujuan untuk menguji pengaruh kinerja keuangan bank umum syariah di Indonesia terhadap pembiayaan, baik secara parsial maupun simultan. Kinerja keuangan diukur melalui Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) Keempat variabel bebas tersebut akan diuji pengaruhnya terhadap satu variabel tidak bebas. Penelitian ini adalah penelitian sensus, yakni memasukan semua bank umum syariah yang ada di Indonesia ke dalam data pengamatan. Periode pengamatan data penelitian dari tahun 2009 s.d 2013 yang berjumlah 11 perbankan. Metode analisis yang digunakan adalah regresi linear berganda. Hasil penelitian ini menemukan bahwa Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) berpengaruh terhadap pembiayaan pada perbankan syariah di Indonesia, baik secara parsial maupun simultan. Fluktuasi baik itu peningkatan atau penurunan pembiayaan yang terjadi pada perbankan syariah di Indonesia ditentukan oleh keempat variabel bebas tersebut. Sehingga dapat dikatakan bahwa, keempat variabel bebas tersebut mempunyai peranan penting atas pembiayaan pada perbankan syariah di Indonesia.


2021 ◽  
Vol 2 (2) ◽  
pp. 296-302
Author(s):  
Erlin Kusnia Dewi ◽  
Anak Agung Sagung Laksmi Dewi ◽  
I Made Minggu Widyantara

The 2008 ITE Law regulates fraudulent acts that are applied online. The researcher wrote a scientific article with the title Legal Impacts on the Implementation of Online Arisan Based on Law No. 19 of 2016. There are two formulations of this research problem How is the Legal Protection for Parties Conducting Online Arisan based on Law Number 19 of 2016? and What are the Criminal Sanctions Against BandarArisanOnlinein the event of Default? Normative legal research is a method applied by the author in this scientific article. The author carries out a literature study by collecting legal material to answer the formulation of research problems. The author carries out a literature study by collecting legal material to answer the formulation of research problems. This study's findings explain that there are legal protections for parties who carry out online social gathering criminal sanctions against online social gathering based on ITE Law No. 19 of 2016 against online social gathering fraud perpetrators focused on individual legal subjects. This finding is supported by Article 28 paragraph (1), which explains that consumers who get losses due to online transactions can obtain legal protection.


2013 ◽  
Vol 2 (3) ◽  
Author(s):  
Anjar S C Nugraheni - C Nugraheni ◽  
Diana Tantri C ◽  
Zeni Luthfiyah

<p align="center"><strong><em>Abstract</em></strong></p><p><em>Th</em><em>e high number of divorce in every year creates concern toward the children’s rights whose have parents divorce. Therefore, the writers did the research in order to identify the legal protection of children’s rights post parents divorce either for rights to rearing and rights to basic necessities. The research is involved into sociological research. The primary data was obtained through interview and the secondary data was coming from literature study from judge’s verdict in District court of Surakarta (either for general District court or religion District court). Technical analysis uses qualitative data specially using deductive method. This research shows that most of all the verdicts (judge’s decision), more than 75%, does not have any substantial decision regarding rights to rearing and rights to basic necessities (in both district court-general District court and religion District court). Based on this result, it means that the legal protection for the children’s who experience parents divorce is at very minimum legal protection for their rights.  The differences of legal protection, research by the writers between both district court, are in religion District court, the underwriter for rearing is given to the mother if the children are below 12 years old (mumayiz) and beyond 12 years old, the children could choose the underwriter is (until he or she is in the mature age-21 years old). Meanwhile, in general District court, there are no clauses regarding what and who are the underwriter, there is no mumayiz term including the differences uses of mature age between 18 years old or 21 years old.</em></p><p><strong><em>Keywords: </em></strong><em>divorce, rights to rearing, rights to basic necessities, age limit.</em></p><p align="center"><strong>Abstrak</strong></p><p>Semakin tingginya angka perceraian setiap tahunmemunculkan keprihatinan penulis tentang nasib anak- anak yang orangtuanya mengalami perceraian.Oleh karena itu penulis melakukan penelitian dengan tujuanmengidentifikasi perlindungan hukum terhadap hak-hak anak pasca perceraian kedua orangtuanya baik hak asuh maupun hak nafkah anak. Penelitian ini termasuk penelitian sosiologis.Data primer diperoleh melalui wawancara dan data sekunder diperoleh melalui studi pustaka putusan-putusan hakim di PN dan PA Kota Surakarta.Teknik analisis menggunakan analisis data kualitatif khususnya dengan metode deduktif. Hasil penelitian menunjukkan sebagian besar putusan (<span style="text-decoration: underline;">+</span>75%) tidak mengandung amar putusan tentang hak asuh dan hak nafkah anak baik putusan perceraian di PN maupun PA.Hal ini berarti masih kurangnya perlindungan hokum terhadap hak-hak anak pasca perceraian kedua orangtuanya.Perbedaan perlindungan hukum yang diidentifikasi penulisantara di PA dan PN ialah jika di PA, kuasa hak asuh diseyogyakan adalah ibu jika anak belum berumur 12 tahun (mumayiz) dan setelah berumur lebih dari 12 tahun, anak dapat memilih siapa yang memegang hak asuh atas dirinya serta umur kedewasaan adalah 21 tahun. Sementara di PN, tidak ada ketentuan yang jelas siapa kuasa hak asuh, tidak dikenal istilah mumayyiz dan umur kedewasaan ada yang menganggap sampai berumur 18 tahun tapi ada juga yang sampai berumur 21 tahun .</p><strong>Kata kunci: </strong>Perceraian, hak asuh anak, hak nafkah anak, batas umur.


2019 ◽  
Vol 7 (2) ◽  
pp. 204
Author(s):  
Dinaselina Chintya Kosasih ◽  
Ambar Budhisulistyawati

<p>Abstract<br />This articles aims to  find out about the mechanism of transactions and profit sharing at PT Sukses  Integritas Perkasa  and legal protection towards Multi-Level Marketing business members in case  settlement during the Multi-Level Marketing business activities in the case study of PT Sukses  Integritas Perkasa. This research is categorized as a descriptive empirical study. It is using a qualitative approach and primary data support and secondary data. According to the research finding, the legal protection of PT Sukses Integritas Perkasa members in case if a dispute occurs has been stated in the company code of ethics based on applicable regulations in Indonesia. The company code of ethics has elaborated the dispute resolution if a dispute occurs, whereby deliberation and consensus are prioritized prior to other resolution alternatives. In case of the deliberation and consensus failure, dispute resolution alternatives would refer to attend the third party that is arbitration based on Indonesia National Arbitrage Organization (BANI).<br />Keywords : Multi-Level Marketing; Legal Protection; Dispute Resolution.</p><p>Abstrak<br />Artikel ini bertujuan untuk mengetahui mekanisme transaksi beserta pembagian reward dalam  PT Sukses Integritas Perkasa dan perlindungan hukum bagi para anggota Multi Level Marketing tersebut beserta cara penyelesaiannya khususnya pada perusahaan MLM PT Sukses Integritas Perkasa. Penulisan hukum ini merupakan jenis penelitian hukum empiris yang bersifat deksriptif. Pendekatan penelitian menggunakan pendekatan data kualitatif dan jenis data berupa data primer serta data sekunder. Berdasarkan hasil penelitian dapat diketahui, bahwa perlindungan Hukum terhadap anggota PT Sukses Integritas Perkasa apabila terjadi perselisihan sudah tertuang dalam kode etik perusahaan yang berpedoman pada peraturan-peraturan yang sudah ada terlebih dahulu dan berlaku di Indonesia. Kode etik perusahaan juga telah menguraikan mengenai penyelesaian sengketa apabila terjadi perselisihan dimana diselesaikan secara damai terleboh dahulu yaitu dengan musyawarah dan mufakat. Pelaksanaan musyawarah dan mufakat apabila tidak menemui titik temu maka akan penyelesaian akan menggunakan alternatif penyelesaian sengketa dengan cara menghadirkan pihak ke tiga yaitu arbitrase yang berpedoman pada peraturan yang ada di  Badan Arbitrase Nasional Indonesia (BANI).<br />Kata Kunci: Multi Level Marketing; Perlindungan Hukum; Penyelesaian Sengketa.</p>


2020 ◽  
Vol 1 (2) ◽  
pp. 128-132
Author(s):  
I Putu Gian Favian Adhi Pradana ◽  
I Made Suwitra ◽  
I Ketut Sukadana

The purpose of the procedure for certificate management is still bound by mortgage rights, namely to provide legal protection for creditors, if there is a certificate holder, all of the breakers will be re-burdened according to the loan borrowed. This study aims to look at the legal protection for the bank against land title certificate holders who are encumbered with mortgage rights and legal responsibilities for land title certificates that are encumbered with mortgage rights. This research uses a type of normative legal research, with an invited-invited approach (The Statute Approach) and a conceptual approach. The results showed that the legal protection measures for the bank against the management of land title certificates that were encumbered with mortgage rights could be done by making a power of attorney to charge and making them to sell. In practice, in order to obtain a legal protection against the certainty of the guarantee to be resolved, the Bank will ask permission to make a power of attorney to make the sale. In this case a power of attorney is made to sell by the bank's debtor and can also sell the guarantee. As a result of the legal law, the certificate which is being burdened with a mortgage will be nullified and will be re-burdened on the owner.


2020 ◽  
Vol 9 (1) ◽  
pp. 14
Author(s):  
I Nyoman Gede Murdiana ◽  
A.A.A.N Sri Rahayu Gorda

An agreement will not always be able to run according to the agreement of the parties. Certain conditions can be found, such as, the occurrence of various things that result in an agreement cannot be implemented, namely the buy-back right by the seller which has been agreed upon and results in losses for the buyer and on a court decision that sentences the seller to carry out the agreement seven days after the verdict, but the implementation of the sale and purchase agreement has not yet been carried out. This paper examines the legal protection for the buyer against the sale and purchase agreement for building use rights in terms of default. This type of research is a normative juridical legal research applying a case study approach and statue approach. The preventive legal protection for the buyer, namely legal protection is by requesting for irrevocable power of attorney, referred to as absolute power of attorney. Meanwhile, repressive legal protection is legal protection after the occurrence of a dispute, namely based on the consideration of a judge's decision which can provide a sense of certainty and justice to the aggrieved buyer.   Suatu perjanjian tidak selamanya akan dapat berjalan sesuai dengan kesepakatan para pihak. Kondisi tertentu dapat ditemukan terjadinya berbagai hal yang berakibat suatu perjanjian tidak dilaksanakan yaitu dengan hak membeli kembali oleh penjual yang telah disepakati dan mengakibatkan kerugian bagi pihak pembeli dan atas putusan pengadilan yang menghukum pihak penjual untuk melaksanakan perjanjian tujuh hari setelah putusan, akan tetapi pelaksanaan perjanjian jual beli tersebut belum juga terlaksana. Jenis penelitian ini adalah penelitian hukum yuridis normatif dengan menggunakan pendekatan studi kasus dan pendekatan perundang-undangan. Perlindungan hukum secara preventif bagi pihak pembeli yaitu perlindungan hukum yaitu permintaaan pemberian kuasa yang tidak dapat ditarik kembali yang disebut surat kuasa mutlak. Sedangkan perlindungan hukum secara represif adalah perlindungan hukum setelah terjadinya sengketa yaitu berdasarkan pertimbangan putusan hakim yang bisa memberikan rasa kepastian dan keadilan terhadap pembeli yang dirugikan.


Authentica ◽  
2020 ◽  
Vol 1 (2) ◽  
pp. 123-144
Author(s):  
Rexon Manihuruk

Legal Protection for Third Parties (Occupants: Tenants) Facing Investors who do not relinquish Building Rights After the Termination of Contract Agreement for Morning Market Business Sites in Tegal City is needed. This paper uses a normative juridical research method. The main data sources of this study come from the results of decisions and documents relating to the problems faced by traders, especially those who received complaints and were sued by Investors, including decisions between the city government and investors. Based on the results of the study it can be concluded that the role of the city of Tegal to protect traders is very important as a form of legal protection for the actions of investors against the occupants of the morning market stalls block B and C morning market in Tegal City. The Tegal City Government as having legal rights and relations (compensation/ peace agreement) after terminating the contract for the place of business with the Investor to collect the obligation of the Investor to give up his rights in a preventive and repressive manner (making a claim) to the investor to carry out its obligations as agreed surrender (release) the right to use the building.Keywords: Legal Protection; Business Place Contracts; Building Use Rights 


2019 ◽  
Vol 7 (2) ◽  
pp. 205
Author(s):  
Gusti Muhammad Faruq Abdul Hakim Sutikno ◽  
Hudi Asrori

<p>Abstract<br />This article aims to find out why a marriage agreement should be registered to the Department of Population and Civil Registration, and find out what if the marriage agreement is not registered. This research is a descriptive empirical legal research. The types of data used consist of primary data, secondary data including primary legal materials, secondary legal materials, tertiary legal materials. The location of this research is in the Department of Population and Civil Registration of Surakarta. Data collection techniques used are interviews and literature study. Analysis of data used is with the data collection stage in the study sites and analyzed more thoroughly, then after presented the verification and drawn a conclusion. Based on the results of the study the conclusions are derived, First, the marriage agreement needs to be registered because the marriage agreement is an orderly administration of population, to fulfill the principle of publicity and binding on third parties, as a means of verification and judge consideration in court, as a measure of public legal awareness. Second, a marriage agreements which is not registered to the Department of Population and Civil Registration will apply only to the party that created it, and will not bind on any third party.</p><p>Keywords: Legal Power; Marriage Agreement; Registration of Marriage Agreement.</p><p>Abstrak<br />Artikel ini bertujuan untuk mengetahui  perjanjian perkawinan harus dicatatkan ke Dinas Kependudukan dan Pencatatan Sipil, dan mengetahui apabila perjanjian perkawinan tersebut tidak didaftarkan. Penelitian ini adalah penelitian hukum empiris yang bersifat deskriptif. Jenis data yang digunakan terdiri dari data primer, data sekunder yang mencakup bahan hukum primer, bahan hukum sekunder, bahan hukum tersier. Lokasi penelitian ini berada di Dinas Kependudukan dan Pencatatan Sipil Kota Surakarta. Teknik pengumpulan data yang digunakan yaitu wawancara dan studi kepustakaan. Analisis data yang digunakan adalah dengan tahap pengumpulan data di lokasi penelitian dan dianalisis secara lebih teliti, kemudian setelah tersaji dilakukan verifikasi dan ditarik sebuah kesimpulan. Berdasarkan hasil penelitian dan pembahasan dihasilkan simpulan, Kesatu, perjanjian perkawinan perlu dicatatkan karena perjanjian perkawinan sebagai tertib administrasi kependudukan, untuk memenuhi asas publisitas dan mengikat pihak ketiga, sebagai alat pembuktian dan pertimbangan hakim didalam persidangan, sebagai alat ukur kesadaran hukum masyarakat. Kedua, perjanjian perkawinan yang tidak dicatatkan ke Dinas Kependudukan dan Pencatatan Sipil hanya akan berlaku bagi pihak yang membuatnya, dan<br />tidak mengikat pihak ketiga.</p><p>Kata Kunci: Kekuatan Hukum; Perjanjian Perkawinan; Pencatatan Perjanjian Perkawinan</p>


2019 ◽  
Vol 2 (1) ◽  
pp. 817
Author(s):  
Livia Cindy Ariella ◽  
Endang Pandamdari

A sale and purchase agreement is one of the most frequently made agreements. One of the most traded objects is land. According to customary law, land sale and purchase is a legal act of transferring land rights. The legal act of sale and purchase is carried out by a land deed official who has the authority to make a sale and purchase deed. Sometimes, the sale and purchase deed cannot be made because there are conditions that have not been fulfilled, so the parties first make a preliminary agreement called the binding sale and purchase agreement. Usually, the binding sale and purchase agreement is followed by power of attorney to sell. The formulation of the problem in this thesis is whether the inclusion of the power of attorney to sell is permissible, and if the recipient of the power of attorney misuses the power, what form of legal protection can be given to the authorizer. The author uses normative legal research methods that are supported by interviews to answer these problems. The inclusion of a power of attorney to sell within the binding sale and purchase agreement is permitted as long as it is not an absolute power that is prohibited by law. Legal protection that can be given to the authorizer is divided into two forms: preventive protection, a legal protection aimed at preventing the occurrence of disputes, and repressive protection, a protection that serves to resolve in the event of a dispute.


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