scholarly journals KEDUDUKAN KONSUMEN DALAM KEPAILITAN (THE POSITION OF CONSUMER IN BANKRUPTCY)

2017 ◽  
Vol 8 (2) ◽  
pp. 255-270
Author(s):  
Luthvi Febryka Nola

Bankruptcy and suspension of obligation for debt repayment is one of dispute resolution mechanisms that can be chosen by parties with an aim of solving the problem in an economical and transparent manner. This mechanism is regulated in Law No. 37 of 2004 of Bankruptcy and Suspension of Obligation for Debt Repayment (Insolvency Law). However, the Law has faced many problems in its implementation mainly related to consumer protection. This paper will discuss consumer position related to bankruptcy and its implementation. The author finds that consumer position in bankruptcy is not only govern by Insolvency Law but also by the Civil Code, Law No. 8 of 1999 on Consumer Protection, and Law No. 40 of 2014 on Insurance. The guidelines on those regulations have several problems, namely the lack of clarity and provision as well as violations of the principles of legislation. As a result consumer has a very weak position. Consumer is often categorized as concurrent creditor who will receive compensation only after separatist and preferential creditor. In contrast, the positions of the curator, the administrator, the supervisory judge are too strong that it allows for irregularities such as mafia practices in bankruptcy cases that harm the consumer. With regard to legal culture, law enforcement has acknowledged the position of consumer as a creditor in bankruptcy, but conversely judge’s verdict has not favored the consumer. This makes people prefer to resolve the dispute through ways other than bankruptcy. Therefore, the Insolvency Law needs to regulate the consumer position clearly; while regulation on its supervision also needs to be strengthened; and heavy sanctions should also be ordered against any misconduct by law enforcement authorities. Concurrently other laws need to adjust their rules with Insolvency Law for effective implementation. AbstrakKepailitan dan penundaan kewajiban pembayaran utang merupakan salah satu mekanisme penyelesaian sengketa yang dapat dipilih oleh para pihak dengan tujuan menyelesaikan masalah secara singkat murah dan transparan. Mekanisme kepailitan diatur dalam UU No. 37 Tahun 2004 tentang Kepailitan dan Penundaan Kewajiban Pembayaran Utang (UU Kepailitan). Namun dalam praktiknya UU Kepailitan memiliki banyak permasalahan terutama berkaitan dengan perlindungan konsumen. Tulisan ini akan membahas pengaturan kedudukan konsumen terkait kepailitan dan implementasinya. Penulis menemukan bahwa yang mengatur kedudukan konsumen dalam kepailitan tidak hanya UU Kepailitan akan tetapi juga KUHPerdata, UU No. 8 Tahun 1999 tentang Perlindungan Konsumen, dan UU No. 40 Tahun 2014 tentang Perasuransian. Pengaturan tersebut memiliki beberapa permasalah yaitu adanya ketidakjelasan dan ketidaksingkronan pengaturan serta pelanggaran asas peraturan perundang-undangan. Akibatnya dalam pelaksanaanya kedudukan konsumen menjadi sangat lemah. Konsumen kerap dikategorikan sebagai kreditor konkuren yang akan menerima ganti kerugian setelah kreditor separatis dan preferen. Sebaliknya, kedudukan kurator, pengurus, hakim pengawas sangat kuat sehingga memungkinkan terjadi penyimpangan seperti praktik mafia kepailitan yang merugikan konsumen. Berkaitan dengan budaya hukum, penegak hukum telah mengakui kedudukan konsumen sebagai kreditor dalam kepailitan hanya saja putusan hakim belum berpihak terhadap konsumen. Hal ini membuat masyarakat lebih memilih menyelesaikan sengketa melalui cara di luar kepailitan. Oleh sebab itu UU Kepailitan perlu mengatur kedudukan konsumen secara jelas; aturan tentang pengawasan juga perlu diperketat; dan sanksi yang tegas terhadap penegak hukum yang melanggar juga perlu diatur. Sedangkan UU lain perlu menyesuaikan aturan dengan UU Kepailitan supaya dapat dilaksanakan.

2020 ◽  
Vol 1 (1) ◽  
pp. 145-161
Author(s):  
Husaima Husaima ◽  
Ma’ruf Hafidz ◽  
Hasbuddin Khalid

Penelitian ini bertujuan untuk mengetahui dan menganalisis bentuk perlindungan hukum bagi konsumen terhadap perusahaan leasing yang melakukan perbuatan melawan hukum. Serta menganalisis faktor-faktor efektivitas yang mempengaruhi penegakan hukum bagi perlindungan konsumen terhadap perusahaan leasing yang melakukan perbuatan melawan hukum. Hasil yang diperoleh penulis dalam melakukan penelitian ini adalah Perlindungan Konsumen terhadap perusahaan Leasing yang melakukan perbuatan melawan hukum terbagi menjadi dua yakni bentuk preventif dan represif. Penegakan hukum sengketa konsumen tidak lepas dari tiga faktor yaitu Substansi Hukum, Struktur Hukum dan Kultur Hukumnya yang mempengaruhi keberhasilan prosesnya. Adapun diantaranya ialah ketentuan yang kontradiktif dan rumusannya tidak jelas serta tegas, terlalu banyak peranan lemabaga yang terlibat dalam penegakan hukum UUPK,  tidak adanya pedoman operasioanl, dan pelaku usaha tidak melaksanakan putusan BPSK dengan sukarela. This study aims to determine and analyze the form of legal protection for consumers against companies leasing that commit acts against the law. As well as analyzing the factors that influence law enforcement for consumer protection agains tcompanies leasing that commit acts against the law. The results obtained by the author in conducting this research are consumer protection against companies leasing that commit acts against the law is divided into two, namely preventive and repressive forms. Law enforcement of consumer disputes cannot be separated from three factors, namely Legal Substance, Legal Structure and Legal Culture which affect the success of the process. Among them are contradictory provisions and the formulation is not clear and firm, there are too many roles of institutions involved in UUPK law enforcement, there are no operational guidelines, and business actors do not voluntarily implement BPSK decisions.


2018 ◽  
Vol 13 (1) ◽  
Author(s):  
Rai Mantili

One of the authorities of the Consumer Dispute Settlement Agency (BPSK) is to receive both written and unwritten complaints from consumers regarding the occurrence of violations of consumer protection. Article 52 Sub-Article g of the Consumer Protection Law (UUPK) au- thorizes BPSK to summon business actors who allegedly violate consumer protection. However, in practice in the field, BPSK is not authorized to force involuntary calling of business actors so that many business actors refuse to be present at consumer dispute resolution in BPSK. This research is Normative and Analytical Descriptive Research. In this case, it is a Nor- mative Legal Research in the form of research to find the Law of Concreto, the research to find the law for a case in concreto is an attempt to find out whether the appropriate law to apply in cocreto in order to solve a particular case and see the rule of law is found . This research will illustrate various legal issues and other symptoms related to cases concerning consumer protec- tion and BPSK Implementation of consumer protection law enforcement in practice is not yet fully fea- sible. It can be seen apart from awareness of the ability and independence of consumers to protect themselves against the rights and kewajibanya, also can be seen from law enforcement officers who have not performed optimally. efforts that can be made by BPSK after forced calling of business actors who refuse to attend the consumer dispute resolution can make a verdict verdict if the business actor is not present 3 times on the summons of the session by BPSK as stipulated in Article 52 UUPK and Kemendag. 35/2001.


2020 ◽  
Vol 1 (1) ◽  
pp. 129-144
Author(s):  
Sarifa Nabila ◽  
Said Sampara ◽  
Ilham Abbas

Penelitian ini bertujuan untuk mengetahui dan menganalisis bentuk perlindungan hukum bagi konsumen terhadap perusahaan leasing yang melakukan perbuatan melawan hukum. Serta menganalisis faktor-faktor efektivitas yang mempengaruhi penegakan hukum bagi perlindungan konsumen terhadap perusahaan leasing yang melakukan perbuatan melawan hukum. Hasil yang diperoleh penulis dalam melakukan penelitian ini adalah Perlindungan Konsumen terhadap perusahaan Leasing yang melakukan perbuatan melawan hukum terbagi menjadi dua yakni bentuk preventif dan represif. Penegakan hukum sengketa konsumen tidak lepas dari tiga faktor yaitu Substansi Hukum, Struktur Hukum dan Kultur Hukumnya yang mempengaruhi keberhasilan prosesnya. Adapun diantaranya ialah ketentuan yang kontradiktif dan rumusannya tidak jelas serta tegas, terlalu banyak peranan lemabaga yang terlibat dalam penegakan hukum UUPK,  tidak adanya pedoman operasioanl, dan pelaku usaha tidak melaksanakan putusan BPSK dengan sukarela. This study aims to determine and analyze the form of legal protection for consumers against companies leasing that commit acts against the law. As well as analyzing the factors that influence law enforcement for consumer protection agains tcompanies leasing that commit acts against the law. The results obtained by the author in conducting this research are consumer protection against companies leasing that commit acts against the law is divided into two, namely preventive and repressive forms. Law enforcement of consumer disputes cannot be separated from three factors, namely Legal Substance, Legal Structure and Legal Culture which affect the success of the process. Among them are contradictory provisions and the formulation is not clear and firm, there are too many roles of institutions involved in UUPK law enforcement, there are no operational guidelines, and business actors do not voluntarily implement BPSK decisions.


2018 ◽  
Vol 11 (1) ◽  
pp. 79-92 ◽  
Author(s):  
Masdar Masdar

Cash waqf in Indonesia has been long enough implemented based on some rules enacted by government and other rules defined by The Waqf Board of Indonesia (BWI). However, the implementation of cash waqf has not reached the level of success. Therefore, this article studies the application of cash waqf law in Indonesia according to Friedman’s legal system theory. The legal system theory of Friedman firstly looks at the substance of the law, which is the rules or regulations; and secondly it examines the structure of the law, encompassing the law enforcement agencies, such as judge, prosecutor, police and legal counselors. And lastly the theory examines the element of legal culture, which is a response from Muslim society. The first two examinations indicate that there is nothing to be a problem. But from the last examination there is a problem regarding the trust from Muslim society. From the legal culture point of view, the implementation of cash waqf by the government, which is performed by BWI, needs attracting society’s credentials in order to improve and maximize the performance of cash waqf in Indonesia.


Author(s):  
Riska Fauziah Hayati ◽  
Busyro Busyro ◽  
Bustamar Bustamar

<p dir="ltr"><span>The main problem in this paper is how the effectiveness of mediation in sharia economic dispute resolution based on PERMA No. 1 of 2016 at the Bukittinggi Religious Court, and what are the inhibiting factors success of mediation. To answer this question, the author uses an inductive and deductive analysis framework regarding the law effectiveness theory of Lawrence M. Friedman. This paper finds that mediation in sharia economic dispute resolution at the Bukittinggi Religious Court from 2016 to 2019 has not been effective. The ineffectiveness is caused by several factors that influence it: First, in terms of legal substance, PERMA No.1 of 2016 concerning Mediation Procedures in Courts still lacks in addressing the problems of the growing community. Second, in terms of legal structure, there are no judges who have mediator certificates. Third, the legal facilities and infrastructure at the Bukittinggi Religious Court have supported mediation. Fourth, in terms of legal culture, there are still many people who are not aware of the law and do not understand mediation well, so they consider mediation to be unimportant.</span> </p><p><em>Tulisan ini mengkaji tentang bagaimana efektivitas mediasi dalam penyelesaian sengketa ekonomi syariah berdasarkan PERMA Nomor 1 Tahun 2016 di Pengadilan Agama Bukittinggi dan apa saja yang menjadi faktor penghambat keberhasilan mediasi. Untuk menjawab pertanyaan tersebut, penulis menggunakan kerangka analisa induktif dan deduktif dengan mengacu pada teori efektivitas hukum Lawrence M. Friedman. </em><em>Tulisan ini menemukan bahwa m</em><em>ediasi dalam p</em><em>enyelesaian sengketa ekonomi syariah di Pengadilan Agama Bukittinggi </em><em>dari tahun 2016 sampai 2019 </em><em>belum efektif</em><em>. Hal ini karena dipengaruhi oleh beberapa faktor. </em><em> </em><em>Pertama, dari segi substansi hukum, yaitu PERMA No. 1 Tahun 2016 tentang Prosedur Mediasi di Pengadilan masih memiliki kekurangan dalam menjawab persoalan masyarakat yang terus berkembang. Kedua, dari segi struktur hukum, belum adanya hakim yang memiliki sertifikat mediator. Ketiga, sarana dan prasarana hukum di Pengadilan Agama Bukittinggi sudah mendukung mediasi. Keempat, dari segi budaya hukum, masih banyaknya masyarakat yang tidak sadar hukum dan tidak mengerti persoalan mediasi dengan baik, sehingga menganggap mediasi tidak penting.</em><em></em></p>


2018 ◽  
Vol 1 (1) ◽  
pp. 26
Author(s):  
Fransisca Kusuma Aryani ◽  
Gunawan Djajaputra

The process of granting credit with the guarantee of Mortgage Rights experienced many obstacles, one of which is the cancellation of credit agreement due to a lawsuit from a third party. Examples of problems that will researchers take is a case between PT PNM as creditor and Erlinawati as a debtor. Erlinawati applied for credit to PT PNM and pledged SHM No. 1716 without her husband's agreement, Bagus Satriya. As time went by, Erlinawati could not fulfill its obligations as stipulated in the credit agreement, and then PT PNM sent a warning letter to Erlinawati. Good people who know the land and buildings of his property are used as a direct guarantee to file a lawsuit to the Blora District Court. The Blora District Court ruled that credit agreements and Deed of Mortgage Rights (APHT) are invalid and null and void. So far the legal protection for debtors who have sued from the other party on the guarantee given by the creditor has not been regulated specially in the legislation. The law only regulates bad debts and debt repayment through the execution process stipulated in the Law on Banking and Insurance Rights Act. Legal protection that creditor can use when obtaining a lawsuit from a third party is by using the general guarantees provided for in Articles 1131 and 1132 of the Civil Code.


2019 ◽  
Vol 2 (2) ◽  
pp. 392
Author(s):  
Samuel Samuel ◽  
Siti Nurbaiti

In principle, the resolution of consumer disputes can be pursued peacefully. through an alternative mediation dispute resolution. In Law Number 8 of 1999 concerning Consumer Protection and Regulation of the Minister of Trade of the Republic of Indonesia Number 6 / M-DAG / PER / 2017 concerning the Consumer Dispute Settlement Body does not impose limits on the authority of BPSK in handling and adjudicating a consumer dispute. However, in reality many times the decisions of the Consumer Dispute Settlement Body (BPSK) are submitted to the district court and stated that BPSK is not authorized to handle such disputes. How is the authority of the Consumer Dispute Resolution Board in handling disputes between PT. Sinar Menara Deli and Sari Alamsyah are the issues discussed. The method used in this research is descriptive normative legal research, using secondary data and primary data as supporting data with the law approach. The results of the study illustrate that BPSK is not authorized to handle disputes between PT. Sinar Menara Deli with Sari Alamsyah, because the business actors in this dispute have submitted a refusal to be resolved through BPSK and not achieving the requirements for consumer disputes. It is recommended that BPSK members pay more attention to the provisions in the Consumer Protection Act and other regulations concerning the Consumer Dispute Settlement Body.


Author(s):  
Arfan Faiz Muhlizi

<p>Revolusi mental yang ditopang oleh kekuatan civil society adalah bagian dari penguatan budaya hukum ketika memandang hukum sebagai sebuah sistem. Terdapat beberapa fakta yang menunjukkan bahwa korupsi telah sedemikian meluas sehingga hampir semua elemen Negara, baik di eksekutif, legislatif maupun judiciil . Berpijak dari visi revolusi mental ini menarik untuk dibahas lebih jauh mengenai bagaimana pemberantasan korupsi bisa dilakukan dengan paradigma, budaya politik, dan pendekatan nation building baru yang lebih manusiawi, sesuai dengan budaya nusantara, serta bagaimana transformasi budaya nusantara dalam pemberantasan korupsi. Dengan pendekatan yuridis normatif diperoleh kesimpulan bahwa Nation Building pemberantasan korupsi berpijak prinsip supremasi hukum, kesetaraan di depan hukum dan penegakan hukum dengan cara-cara yang tidak bertentangan dengan hukum. Di sisi lain, terdapat anggapan bahwa sulitnya pemberantasan korupsi di Indonesia adalah akibat pemahaman bahwa korupsi adalah budaya bangsa. Pemahaman ini perlu diluruskan dengan menunjukkan bahwa budaya bangsa Indonesia adalah anti terhadap korupsi dan melakukan transformasi budaya. Transformasi budaya nusantara ke dalam format pembangunan hukum, khususnya pemberantasan korupsi, bersumber dari dua elemen yakni dari nilai-nilai agama dan dari nilai-nilai adat.</p><p>Mental revolution supported by the strength of civil society is part of strengthening the legal culture as identify the law as a system. There are some facts showing how spreadable corruption it is in almost all elements of the nation, in the executive, legislative and judicial body. Based on the vision of mental revolution, it is interesting to discuss furthermore how corruption eradicating can be work with the new paradigms, political culture, and nation-building approach, which are humanly, likewise the national legal culture, and how the national culture-transformation in eradicating corruption. By normative juridical approach can be concluded that the nation building in combating corruption is based on the Supremacy of law principle, equality before the law and law enforcement in association with legal. On the other hand, there is a presumption that contraints of corruption eradicating in Indonesia because corruption has became a part of nation’s culture. This presumption must be clarified that Indonesian genuine culture is anti corruption. National Cultural Transformation, especially in combating corruption, based on 2 (two) elements which are religious values and traditional values.</p>


2021 ◽  
Vol 59 (3) ◽  
pp. 227-267
Author(s):  
Dragan Vujisić ◽  
Milan Rapajić

The authors point to the plurality of forms of consumer protection. Private law form of consumer protection is individual protection in civil proceedings. The protection of the collective interests of consumers in most European legal systems is achieved through litigation. The Consumer Protection Act entrusts the protection of the collective interests of consumers to administrative bodies, which is realized in administrative proceedings, whose rules are characterized by considerable differences in relation to the rules provided by the Law on General Administrative Procedure. A significant unit is dedicated to the mechanism of alternative dispute resolution, especially arbitration and mediation. The shortcomings of the Law on Consumer Protection regarding certain contradictory provisions are pointed out. The legislator stimulates alternative dispute resolution, and on the other hand stipulates that contracting one of these methods does not affect the right to judicial protection. The paper also analyses the inspection.


2021 ◽  
pp. 32-38
Author(s):  
S.V. Minkovskyi ◽  
◽  
Ye.V. Chypyzhenko ◽  

The Code of Ukraine on Bankruptcy Procedures is the first insolvency law codified in domestic legislation. The legislative novelty is the so-called consumer bankruptcy provided by the Code, the restoration of solvency through the settlement of problem debts of individuals, individuals – entrepreneurs to banks, microfinance organizations, arrears of taxes, fees and other mandatory payments within the framework of litigation, and in case of impossibility – their repayment (write-off) in the procedure of debt repayment. In addition, the new Code offers special conditions for addressing the issue of “foreign currency borrowers”, which has become relevant for many Ukrainians after the financial crisis of 2008. In general, the procedure for restoring the solvency of individuals is designed to encourage responsible borrowing, start or resume business, increase economic activity and taxable income, aimed at preventing crime and unemployment. Such a procedure is beneficial not only to the debtor, but also to the state. An individual, getting rid of debts, returns to active legal work, and the state returns another economic unit to an active lifestyle, acquires another taxpayer. In addition, the procedure provides creditors of the debtor – an individual with legal grounds for instalment and (or) write-off of part of the debt, as well as improving their own financial performance. However, currently many norms of the Code and other acts of the legislation of Ukraine are inconsistent, which causes conflicts during their practical application. The article considers some aspects that arise in cases of insolvency of individuals, individuals – entrepreneurs during the competition of the Code of Ukraine on Bankruptcy Procedures and the Law of Ukraine “On Enforcement Proceedings”, which relate to: suspension of enforcement proceedings during the moratorium on satisfaction of claims creditors; removal of arrests (encumbrances) in the procedure of debt repayment; consequences of the completion of the debt repayment procedure (including the exclusion of a person from the Unified Register of Debtors), identified problematic issues and proposals for their improvement by making appropriate changes to the legislation of Ukraine.


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