scholarly journals KEDUDUKAN HUKUM PERJANJIAN KREDIT DENGAN JAMINAN TEMPAT USAHA

2020 ◽  
Vol 8 (2) ◽  
pp. 217
Author(s):  
Rheza Narendra Putra Pratama ◽  
, Suraji
Keyword(s):  
Research Methods ◽  
Economic Value ◽  
Legal Research ◽  
Legal Standing ◽  
Analysis Technique ◽  
Credit Agreement ◽  
Small And Medium Business

<p>Abstract<br />This article discusses the legal standing of credit agreement with business place as the collateral. This  study uses normative or doctrinal legal research methods that act prescriptively and applied. This study uses sources of primary and secondary legal materials. The analysis technique used is the syllogism method that uses deductive thinking patterns. Based on the results of this study it can be concluded. Credit agreement with business place as collateral commonly found nowadays. Mostly micro small and medium business operators as the debtors who have limited capital and limited ownership of object which  could burdened by institutionalized collateral rights legally. Whereas, generally business place which  proposed as the collateral not owned by the business operators but owned by other party. Practically bank as creditors agreed these credit lending because it has good economic value. Conseuently the legality of these credit agreement as the basis and the business place as the collateral be important.<br />Keywords: Legal Standing; Credit Agreement; Collateral; Business Place</p><p>Abstrak<br />Artikel ini bertujuan untuk mengetahui kedudukan hukum perjanjian kredit atau utang piutang yang  disertai jaminan berupa tempat usaha. Penelitian ini menggunakan metode penelitian hukum normatif atau doktrinal yang bersifat preskriptif dan teknis. Penelitian ini menggunakan sumber bahan hukum primer dan sekunder. Teknik analisis yang digunakan yaitu dengan metode silogisme yang menggunakan pola berpikir deduktif. Berdasarkan hasil penelitian ini dapat disimpulkan bahwa perjanjian kredit dengan bentuk seperti ini jamak ditemui praktiknya sekarang ini. Biasanya yang bertindak sebagai debitor merupakan pemilik usaha mikro kecil dan menengah yang memiliki keterbatasan modal dan keterbatasan kepemilikan benda yang bisa dibebani hak jaminan yang sudah terinstitusionalisasi secara hukum. Padahal biasanya tempat usaha yang diajukan menjadi jaminan bukan merupakan kepemilikan langsung dari para pelaku usaha, akan tetapi milik pihak lain. Praktiknya bank sebagai kreditor juga menyetujui pemberian kredit seperti ini karena dianggap memiliki nilai ekonomis yang baik. Oleh karena itu aspek legalitas perjanjian kredit yang mendasarinya serta tempat usaha yang dijadikan jaminan menjadi penting.<br />Kata Kunci: Kedudukan Hukum; Perjanjian Kredit; Jaminan; Tempat Usaha</p>

scholarly journals Kedudukan Lembaga Perbankan Sebagai Pembeli Lelang Eksekusi Hak Tanggungan Atas Jaminanya

Acta Comitas ◽  
2021 ◽  
Vol 6 (02) ◽  
pp. 310
Author(s):  
I Dewa Gede Agung Dhira Natsya Ora ◽  
Dewa Gde Rudy
Keyword(s):  
Regional Development ◽  
Research Methods ◽  
Commercial Banks ◽  
Legal Research ◽  
Legal Standing ◽  
Development Banks ◽  
The Difference ◽  
Regional Development Banks

Abstract This paper aim to develops knowledge in the field of notarial law and finds out the difference in legal standing between Rural Banks and Commercial Banks included Regional Development Banks as buyers in the auction for the executions of collateral for their collateral. Normative legal research methods is uses for this writing. The result of this study indicates that Rural Banks and Commercial Banks have different positions in the purchase of a collateral execution auction. Only Commercial Banks that stipulated in Article 12 A paragraph (1) of the Banking Act can purchase an auction for the executions of mortgage guarantees, while Rural Banks cannot become buyers in the auction for executions of collateral for their collateral.   Abstrak Tulisan ini bertujuan untuk mengembangkan keilmuan dalam bidang hukum kenotariatan dan untuk mengetahui perbedaan kedudukan hukum antara Bank Perkreditan Rakyat dengan Bank Umum termasuk didalamnya Bank Pembangunan Daerah sebagai pembeli dalam lelang eksekusi hak tanggungan atas jaminannya. Penelitian ini menggunakan metode penelitian hukum normatif. Hasil penelitian ini membuktikan bahwa Bank Perkreditan Rakyat dengan Bank Umum memiliki perbedaan kedudukan dalam pembelian lelang eksekusi hak tanggungan atas jaminannya. Bank yang dapat membeli lelang eksekusi hak tanggungan atas jaminannya hanyalah Bank Umum sebagaimana yang diatur dalam Pasal 12 A ayat (1) Undang-Undang Perbankan, sedangkan Bank Perkreditan Rakyat tidak dapat menjadi pembeli dalam lelang eksekusi hak tanggungan atas jaminannya.

scholarly journals Kedudukan Hukum Covernote Notaris Terhadap Perlindungan Hukum Bank dalam Perjanjian Kredit

Acta Comitas ◽  
2019 ◽  
Vol 3 (3) ◽  
pp. 446
Author(s):  
Gusti Ayu Putu Wulan Pradnyasari ◽  
I Made Arya Utama
Keyword(s):  
Research Methods ◽  
Legal Protection ◽  
Bank Credit ◽  
Legal Research ◽  
Credit Agreement ◽  
Legal Force

The signing the credit agreement between the bank and the debtor using the guarantee will generally be bound by notarial deed to then in the process of loading the guarantee. Before the guarantee process is completed then the notary will issue Covernote to the bank as creditor. The purpose of this research is to find out how is the Covernote position issued by the notary in the credit agreement of the bank? And how the legal strength of covernote notary is to provide legal protection for banks as creditors in credit agreements. This research uses normative legal research methods. The results showed that the position of Covernote issued by a notary in a bank credit agreement only applies as a statement from a notary / PPAT as the official who made the Covernote who explained that there had been a credit or guarantee binding. Covernote is not proof of collateral, but only as an introduction and temporary evidence is a guide for the bank that will issue credit. Covernote notary does not have the legal force to provide legal protection for banks as creditors in credit agreements in the event of default when the guarantee process is still carried out by a Notary. Penandatanganan perjanjian kredit antara bank dengan debitor yang mempergunakan jaminan pada umumnya akan diikat dengan akta Notaris untuk kemudian diproses pembebanan jaminan. Sebelum proses pembebanan jaminan selesai dilakukan, maka notaris akan mengeluarkan Covernote kepada bank selaku kreditor. Adapun tujuan dari penelitian ini adalah untuk mengetahui bagaimanakah kedudukan Covernote yang dikeluarkan oleh notaris dalam perjanjian kredit bank serta bagaimanakah kekuatan hukum Covernote notaris dalam memberikan perlindungan hukum bagi bank dalam perjanjian kredit. Penelitian ini menggunakan metode  penelitian hukum normatif. Hasil penelitian menunjukan bahwa Kedudukan Covernote yang dikeluarkan oleh notaries/PPAT dalam perjanjian kredit bank hanya sebatas menerangkan bahwa telah terjadi pengikatan kredit atau jaminan. Covernote bukan merupakan bukti agunan namun hanya sebagai keterangan dan bukti yang bersifat sementara sebagai pegangan bagi bank yang akan mengeluarkan kredit. Covernote notaris tidak memiliki kekuatan hukum untuk memberikan perlindungan hukum bagi bank selaku kreditor dalam perjanjian kredit apabila terjadi wanprestasi pada saat proses pembebanan jaminan masih dilakukan oleh Notaris.

scholarly journals The Outbreak of Covid-19 as an Overmacht Claim in Credit Agreements

FIAT JUSTISIA ◽  
2021 ◽  
Vol 15 (1) ◽  
pp. 75-92
Author(s):  
Merry Tjoanda
Keyword(s):  
Interest Rates ◽  
Research Methods ◽  
Secondary Data ◽  
Primary Data ◽  
Literature Study ◽  
Legal Research ◽  
Banking Institutions ◽  
The Government ◽  
Credit Agreement ◽  
Branch Office

This research aims to determine and analyze the law consequences of overmacht in credit agreements due to the Covid-19 Pandemic and as legal remedies for settlement of the credit agreement due to the Covid-19 Pandemic. This research is socio-legal research, a combination research method between doctrinal law research methods and empirical legal research methods. This research was conducted in banking institutions and financing institutions in Ambon City, namely at Bank Mandiri Ambon Branch Office, BCA Ambon Branch Office, Bank Artha Graha Ambon Branch Office, and BFI Limited Company Ambon Branch Office. The types of research data are primary data and secondary data, obtained through literature study and interviews. Based on the results of the research, the Covid-19 Pandemic is a non-natural disaster, so it is categorized as a relative overmacht, so the result of the comparative overmacht law in the credit agreement due to the Covid-19 Pandemic in Ambon City has not changed the risk burden in the sense that the Debtor still fulfills their achievements after the outbreak of Covid - 19 Pandemic is over. The legal effort that can be taken to settle credit agreements due to Covid-19 Pandemic in Ambon City is through credit restructuring in the form of lowering interest rates, extending the period, reducing principal arrears, and reducing interest arrears as determined by the government to be implemented by the bank or financing institutions with debtors.

scholarly journals The Ambiguity of Resi Gudang (Warehouse Receipt) Guarantee Institution Legal Standing

NORMA ◽  
2021 ◽  
Vol 18 (1) ◽  
pp. 33
Author(s):  
Safira Oktavia Putri
Keyword(s):  
Property Rights ◽  
Economic Value ◽  
Legal Aspects ◽  
Legal Standing ◽  
Debt Security ◽  
Credit Agreement

Farmers usually use warehouse receipts to obtain debt with commodity objects stored in the warehouse as a debt security. Warehouse receipts as valuable objects, of course, have the potential to be tied up in a debt bond that serves as a security for these debts. However, for an item of guarantee, the legal aspects are quite diverse. For objects to be used as collateral in a credit agreement, they must meet certain conditions, namely, economic value and transferability. Therefore, it is necessary to conduct a study of warehouse receipts to be used as collateral objects, given the characteristics of warehouse receipts as valuable objects and the property rights attached to the warehouse receipts. This research is normative research with a statutory approach. The result of this research is that warehouse receipts can be used as collateral objects but with some adjustments. And based on the existing regulations, it is understood that the warehouse receipt arrangement does not create a warehouse receipt guarantee institution.Keywords: Resi Gudang, Debt, Collateral

scholarly journals HAMBATAN KURATOR DALAM MENYELESAIKAN PIUTANG KOPERASI YANG DIPUTUS PAILIT

2019 ◽  
Vol 7 (2) ◽  
pp. 243
Author(s):  
Nindita Widi Afreeportamara ◽  
, Pujiyono
Keyword(s):  
Research Methods ◽  
Legal Protection ◽  
Legal Research ◽  
Cooperative Management ◽  
Article 9 ◽  
Analysis Technique ◽  
Debt Repayment

<p>Abstract<br />This article discusses the challenges posed by curators in handling bankrupt assets and their  solutions. This study uses normative or doctrinal legal research methods that act prescriptively or applied. This study uses sources of primary and secondary legal materials. The analysis technique  used is the syllogism method that uses deductive thinking patterns. Based on the results of this  study it can be concluded. Curators when settling receivables of cooperatives that are decided bankrupt experience obstacles, namely in terms of regulations in the form of a lack of legal protection for curators and collisions between Law Number 37 of 2004 concerning bankruptcy and postponement of debt repayment obligations  Article 9 and Article 16. The Cooperative Management still recognizes cooperative assets and the existence of irresponsible Managers. In the case of the amount of money spent for the Cooperative in a state of loss and unable to pay its debts. Curators have difficulty determining Creditors and there are Fictitious Creditors, the last to approve the funds because they ask the Cooperative that is terminated requires not small amounts of funds<br />Keywords: obstacle; bankruptcy; cooperative; curators</p><p>Abstrak<br />Artikel ini bertujuan untuk mengetahui hambatan-hambatan yang dihadapi oleh kurator dalam  mengurus harta pailit beserta solusinya. Penelitian ini menggunakan metode penelitian hukum normatif atau doktrinal yang bersifat preskriptif atau terapan. Penelitian ini menggunakan sumber bahan hukum primer dan sekunder. Teknik analisis yang digunakan yaitu dengan metode silogisme yang menggunakan pola berpikir deduktif. Berdasarkan hasil penelitian ini dapat disimpulkan. Kurator saat menyelesaikan piutang koperasi yang diputus pailit mengalami hambatan-hambatan yaitu dalam hal regulasi berupa kurangnya perlindungan hukum terhadap kurator dan benturan antara Pasal 9 dan Pasal 16 Undang-undang Nomor 37 Tahun 2004 tentang kepailitan dan penundaan kewajiban pembayaran utang. Pengurus Koperasi masih menguasai harta koperasi dan adanya Pengurus yang tidak bertanggung jawab. Dalam hal Jumlah harta yaitu apabila Koperasi dalam keadaan merugi dan tidak dapat membayar utang-utangnya. Kurator kesulitan menentukan Kreditor dan terdapat Kreditur Fiktif ,yang terakhir Ketersediaan dana karena penyelesaian suatu Koperasi yang diputus membutuhkan dana yang tidak sedikit.<br />Kata kunci: hambatan; kepailitan; koperasi; kurator</p>

scholarly journals Perlindungan Hukum bagi Bank (Kreditur) bila Debitur Kredit Macet dengan Jaminan Hak Cipta

2019 ◽  
Vol 8 (1) ◽  
pp. 1-20
Author(s):  
Riandhyka Rahandono ◽  
Azizul Hakiki ◽  
Achmad Rifqi Nizam
Keyword(s):  
Economic Development ◽  
Economic Value ◽  
Legal Research ◽  
Positive Law ◽  
Credit Agreement ◽  
Banking Institution ◽  
Support Fund ◽  
A Company ◽  
Patent Right

One of the economic development forms is the existence of the developed companies in allfields, both services and goods. In order to be able to develop a company in line with theplan and to be successful, it certainly needs capital support (fund) which can be obtainedfrom Banking Institution with a collateral form called Patent Right. This research isjuridical-normative (legal research), that is the research focused on analysing rules ornorms in positive law. The research concludes that Patent Right can be made as the maincollateral of credit agreement because it can be categorized as intangible moving objectwhich has economic value. However, because Patent Right is a new collateral form, it isdifficult to assess its economic value and there is no regulation of it. In practice theBanking Institution has not been able to accept Patent Right as the main collateral, butonly as additional collateral.Key Words : Bank, Collateral, Patent Right

scholarly journals AKIBAT HUKUM PERJANJIAN KREDIT YANG OBYEK JAMINANNYA BUKAN ATAS NAMA DEBITUR

NOTARIUS ◽  
2018 ◽  
Vol 11 (1) ◽  
pp. 1
Author(s):  
Bagus Priyo Mahendra
Keyword(s):  
Research Methods ◽  
Power Of Attorney ◽  
Legal Research ◽  
Legal Consequence ◽  
Credit Agreement

Abstract In order to ensure that the debtor performs its obligations, usually in the credit agreement is bound by a guarantee of mortgages or fiducia guarantees to avoid non-fulfillment of the debtor's liability when wanprestasi. The principle of prudence and the maximum crediting limit are important. In practice, the violation occurs as happened to PT BPR "X" in Semarang where the security object is not on behalf of the debtor and there is no power of attorney from the Land Certificate holder to the debtor. Normative legal research methods. The results show that PT BPR "X" has violated prudential principles and 5C principles. This is evidenced by the existence of clauses in the agreement that enlarge the guarantee of the Certificate of Property to the land which is not on behalf of the debtor. The legal consequence is that the guarantee can not be sold or auctioned. The position of the creditor is very weak and ineffective when settled through the court.    Abstrak Untuk menjamin debitur menjalankan kewajibannya, biasanya dalam perjanjian kredit diikat sebuah jaminan hak tanggungan atau jaminan fiducia untuk menghindari tidak terpenuhinya kewajiban debitur bilamana wanprestasi.Prinsip kehatia-hatian dan batas maksimum pemberian kredit penting. Dalam praktik, pelanggaran terjadi sebagaimana yang terjadi pada PT BPR “X” di Semarang di mana obyek jaminan tidak atas nama debitur dan tidak ada surat kuasa dari pemilik Sertifikat Tanah kepada debitur. Metode penelitian hukum normatif. Hasil penelitian menunjukkan PT BPR “X” telah melanggar prinsip kehati-hatian dan prinsip 5C. Hal itu terbukti dengan adanya klausula dalam perjanjian yang mencatumkan jaminan Sertifikat Hak Milik atas tanah yang bukan atas nama debitur. Akibat hukumnya adalah jaminan tersebut tidak bisa dijual atau dilelang.Posisi kreditur sangat lemah .dan tidak efektif bilamana diselesaikan melalui pengadilan.

AKIBAT HUKUM KELALAIAN KREDITUR DALAM MELAKUKAN ROYA ATAS JAMINAN FIDUSIA

2018 ◽  
Vol 1 (4) ◽  
Author(s):  
Ninik Meiyudianti
Keyword(s):  
Legal Research ◽  
Object Based ◽  
The Law ◽  
Credit Agreement

Obligation of creditor in making report for nullification of debt in fiduciary registration office to delete the record of fiduciary object is known as liability omission (Roya). Liability omission can be done when debtor paying off all debts that is possessed to the creditor.  When liability omission (roya) is not conducted by the creditor after debtor pay off all the debt, it certainly harms  the debtor since he/she as debtor is not able to use the fiduciary object to make new credit agreement with other parties. The present research aims to elaborate and examine further about the obligation of creditor in performing liability omission toward the fiduciary object when the debtor paying off all the debts. Moreover, the present study tries to elaborate further about accountability of creditor regarding negligence in performing liability omission toward fiduciary object that has been paid off.  The method used in the present study is a normative legal research, namely legal research which is conducted by examining the library materials or secondary law while in finding and collecting the data is done by two approaches, namely the law and conceptual approaches.  The present study shows that deletion record of fiduciary object based on paying off of debts by the debtor shall be performed by the creditor. When creditor neglects in performing this act within fourteen days (14) after the repayment of debt, it can be justified as infringement of law. Moreover, creditor shall responsible to pay all losses that is experienced by the debtor.

KELEMAHAN UNDANG-UNDANG MEREK DALAM HAL PENDAFTARAN MEREK (Studi Atas Putusan Sengketa Merek Pierre Cardn)

2017 ◽  
Vol 5 (2) ◽  
pp. 84
Author(s):  
Karlina Perdana ◽  
Pujiyono ,
Keyword(s):  
Research Methods ◽  
Geographical Indications ◽  
Legal Research ◽  
Trademark Registration ◽  
Brand Understanding

<p>Abstract<br />This legal research examines the weakness of Act No. 20 of 2016 on Marks and Geographical Indications, as until now there is still a knockoff brands that passed trademark registration in Indonesia. This research uses  doctrinal  or  normative  prescriptive  research  methods.  Results  of  this  study  is  the  absence  of the requirements and there are multiple interpretations of the philosophy of the brand famous brand understanding and similarity in principle or in its entirety.</p><p>Keyword: Trademark registration, weakness of Act<br /> <br />Abstrak<br />Penulisan hukum ini mengkaji mengenai kelemahan Undang-Undang Nomor 20 Tahun 2016 tentang Merek dan Indikasi Geografis sebagaimana sampai sekarang ini masih terdapat merek-merek tiruan yang lolos pendaftaran merek di Indonesia. Penulisan ini menggunakan metode penelitian doktrinal atau normatif yang bersifat preskriptif. Hasil penelitian ini adalah tidak adanya persyaratan filosofi merek dan terdapat multitafsir pemahaman merek terkenal dan persamaan pada pokoknya atau keseluruhannya.</p><p>Kata kunci: pendaftaran merek, kelemahan UU</p>

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