scholarly journals Pelaksanaan Eksekusi Jaminan Fidusia dalam Hal Debitur Wanprestasi Pada Koperasi Simpan Pinjam Wisata Bali

2020 ◽  
Vol 1 (2) ◽  
pp. 175-180
Author(s):  
I Wayan Wahyu Wisnanta ◽  
I Nyoman Putu Budiartha ◽  
Ni Made Puspasutari Ujianti
Keyword(s):  
Standard Of Living ◽  
Primary Data ◽  
Service Needs ◽  
Legal Certainty ◽  
Legal Research ◽  
Positive Role ◽  
Savings And Loans ◽  
Savings And Loan ◽  
Standard Operating ◽  
Data Source

Cooperatives hold a very positive role in the improvement of people’s welfare in Indonesia, so that the welfare of the wider community can be enhanced significantly. Cooperatives perform a crucial task to improve the standard of living of all members of society. In carrying out its duties, the cooperative also acts as a financial place that has the purpose of providing loans and other money service needs. This study examines the implementation of the fiduciary guarantee execution and the factors that hinder the implementation of the said fiduciary guarantee if the debtor defaults at the Bali Tourism Cooperative. This research was conducted using empirical legal research. The data source of this research is primary data, which is data obtained from research carried out directly in the field and from cooperatives. The results show that the implementation of fiduciary security at the Bali Tourism Savings and Loans Cooperative is in accordance with the Standard Operating Procedures (SOP) owned by the Bali Tourism Savings and Loan Cooperative and does not conflict with existing regulations. Factors hampering the execution of the fiduciary guarantees in the event of defaulting debtors are guarantees that they are not registered at a fiduciary institution due to cost and time. Therefore, in issuing credit with a fiduciary guarantee, the Bali Tourism Cooperative must make an authentic deed before a notary and be registered with the Ministry of Law and Human Rights in order to further ensure legal certainty for negligence in the obligation to treat fiduciary collateral as the responsibility of the fiduciary debtor.

scholarly journals The Effect of Savings and Loan Cooperative Credit on Increasing Income of Damai Savings and Loan Cooperative (KSP) Members, Gangga District, North Lombok Regency

2021 ◽  
Vol 2 (1) ◽  
pp. 26
Author(s):  
Handoyo Wirastomo ◽  
Sulhan Hadi
Keyword(s):  
Data Collection ◽  
Quantitative Research ◽  
Primary Data ◽  
Literature Study ◽  
Savings And Loans ◽  
The North ◽  
Primary Data Source ◽  
Savings And Loan ◽  
Data Source ◽  
Data Collection Technique

The Damai Savings and Loan Cooperative (KSP) is one of the savings and loan cooperatives in the North Lombok district. The main activities of savings and loan cooperatives are providing loans to members with an interest of 2% of the remaining principal of the loan, recording of financial receipts and expenditures has been carried out properly. Every financial receipt and expenditure has been proven and recorded in cash out and in. The Damai Savings and Loans Cooperative (KSP) is a cooperative that lends money to civil servants (PNS) and is returned by deducting employee salaries through a salary kit. This study aims to determine the effect of credit savings and loan cooperatives on increasing the income of members of the Damai savings and loan cooperative (KSP) in Gangga sub-district, North Lombok district. This research is a quantitative research. The variables of this research are savings and loan credit and the income of members of savings and loan cooperatives. The data source used in this study is the primary data source. The data collection technique used consisted of observation, interviews / interviews, documentation, literature study, questionnaires. The population in this study amounted to 267 people. And the sample in this study amounted to 50 people.

scholarly journals Ada Apa dengan Dewan Pengawas Syariah di Koperasi Simpan Pinjam dan Pembiayaan Syariah?

2019 ◽  
Vol 3 (2) ◽  
pp. 155
Author(s):  
Choirul Absor ◽  
Kharis Fadlullah Hana ◽  
Fatikha Rizqya Nur
Keyword(s):  
Financial Institutions ◽  
Supervisory Board ◽  
Secondary Data ◽  
Primary Data ◽  
Office Visits ◽  
Moral Principles ◽  
Savings And Loan ◽  
Data Source ◽  
Feasibility Test

<p><em>This study aims to determine the role of the Sharia Supervisory Board in supervising Sharia Savings and Loan Cooperatives (KSPPS) so that operations do not come out of sharia provisions. Sharia Supervisory Board includes legal assistants who have the duty to ensure and conduct supervision so that Sharia Financial Institutions are in sharia provisions. Savings and Loan Cooperatives and Sharia Financing are financial institutions that are socially based and in their activities are based on moral principles by considering haram and lawfulness of a business that is run in accordance with Islamic regulations. The method used to conduct this research is qualitative. The data source uses secondary data and primary data by collecting data in the form of interviews and documents. Based on the results of observations on KSPPS Berkah Abadi Gemilang that Supervision conducted by DPS there is still an obstacle that causes less optimal supervision, namely members of sharia supervisors who do not understand muamalah fiqh, mastery of economics and DPS rarely make office visits. In addition, one member of the DPS also does not yet have a certificate of proof of passing the exam from DSN-MUI or other standard certificates, in this case at least the results of the certificate provide a guarantee that the Sharia Supervisory Board has passed the feasibility test to become the Sharia Supervisory Board. KSPPS Berkah Abadi Gemilang in practice also still has errors, the Ba'I Bi'saman Ajil contract which is supposed to be a sale and purchase agreement but made as a financing and error in determining the margin based on the presentation of the money lent.</em></p>

scholarly journals SEJARAH HUKUM KEDUDUKAN PEREMPUAN DALAM PERKAWINAN MENURUT HUKUM ADAT BALI ( KAITANNYA DENGAN PERKAWINAN NYENTANA BEDA WANGSA)

2016 ◽  
Vol 5 (2) ◽  
pp. 301
Author(s):  
Ni Nengah Budawati
Keyword(s):  
Indigenous People ◽  
Social Life ◽  
Secondary Data ◽  
Legal Culture ◽  
Customary Law ◽  
Behavioral Approach ◽  
Primary Data ◽  
Legal Research ◽  
Legal Perspective ◽  
Data Source

This study aimed to know and understand about the legal culture of community on the phenomenon of different caste nyentana marriage. This research was empirical legal research legal research with behavioral approaches. The data source consisted of primary data sourced directly at the site of research and secondary data that included legislation, traditional laws, law books, magazines, dictionaries and newspapers. This study used qualitative data analysis which then produced descriptive data.Based on the national legal perspective, there are no differences in the position of husband and wife in different caste nyentana marriage. But in Balinese customary law, it resulted in the wife having a position that is more important than the husband in the family. As in the context of social life, especially in the capacity as krama in the sub-village, then the husband remains responsible for his obligations as krama muani while the wife still serves as krama luh. Related to the legal culture of indigenous people in Tabanan over different caste nyentana marriage, the fact that people are still of the view that marriage is an inter-caste marriage. Thus the legal culture of indigenous people in Tabanan tends to be static. This is motivated by many factors, one of which is either ignorance factor of traditional leaders or traditional krama of Decree of the Parliament No. 11 of 1951 which expressly has abolished inter-caste marriages that often lead to discrimination. Penelitian ini bertujuan untuk mengetahui dan memahami tentang budaya hukum masyarakat terhadap fenomena hukum perkawinan nyentana beda wangsa. Penelitian ini ialah penelitian hukum penelitian hukum empiris dengan pendekatan pendekatan prilaku (behavioral approach). Data primer bersumber langsung dari lokasi penelitian, sedangkan data sekunder berupa peraturan perundang-undangan, awig-awig­, literature hukum, majalah, kamus dan surat kabar. Pada penelitian ini data dianalisis secara kualitatif yang kemudian menghasilkan data deskriptif. Berdasarkan perspektif hukum secara nasional, tidak terdapat perbedaan kedudukan suami-isteri dalam perkawinan nyentana beda wangsa. Namun dalam Hukum adat Bali, justru mengakibatkan istri memiliki kedudukan yang lebih penting dibanding suami di dalam keluarga. Adapun dalam konteks kehidupan bermasyarakat, khususnya dalam kapasitas sebagai krama di banjar, maka si suami tetap bertanggung jawab pada kewajibannya sebagai krama muani sedangkan si istri tetap berkedudukan sebagai krama luh. Terkait dengan budaya hukum masyarakat hukum adat di Tabanan terhadap perkawinan nyentana beda wangsa, faktanya masyarakat tetap berpandangan bahwa perkawinan tersebut merupakan perkawinan antar kasta. Dengan demikian budaya hukum masyarakat hukum adat di Tabanan cenderung bersifat statis. Hal ini dilatarbelakangi oleh banyak faktor, salah satu diantaranya ialah faktor ketidaktahuan baik dari pemuka adat maupun krama adat tentang Keputusan DPRD  No. 11 Tahun 1951 yang secara tegas telah menghapus perkawinan antar kasta yang kerap menimbulkan diskriminasi.

scholarly journals BUNGA PINJAMAN DALAM PERSPEKTIF KEADILAN (Studi Kasus Bunga Pinjaman di KPRI Nusantara IAIN Walisongo)

2016 ◽  
Vol 4 (1) ◽  
pp. 1
Author(s):  
Ghufron Ajib
Keyword(s):  
John Rawls ◽  
Financial Services ◽  
Participant Observation ◽  
Primary Data ◽  
Present System ◽  
Business Unit ◽  
Savings And Loans ◽  
Savings And Loan ◽  
The Subject ◽  
Loan System

<p><em>The subject matter of this study motivated several considerations. The first is that justice is the main  major Islamic mission, including social and economic justice. The opponent of justice, namely zhulm (injustice), according to the modernist is  raison d'etre of  usury prohibition, and be decisive for usury  legal issues. Second, that since 1990 up to the present system of Shari'ah financial institutions more firmly and growing rapidly with the issuance of Law number  21, 2008 On Islamic Banking and the issuance  Minister of Cooperative Regulation 91, 2004 On Guidelines for the Implementation of Activities Cooperative Business Financial Services Shariah. While the savings and loan business unit in KPRI ‘Nusantara’ since its establishment, in 1973, untill now still running a conventional loan system. In this study, primary data, the loan system and the pattern of calculating interest on savings and loans unit KPRI Nusantara, collected using three methods: participant observation, and interviews with the management and documentat.</em><em></em></p><p><em>By using the concept of social justice of John Rawls, the concept maqashid al-Sharia, and the concept of Islamic financial cooperative systems, researchers discuss the issue through three aspects of justice, namely the aspect of contract, the consistency aspect of interest, and justice aspects of cooperatives. Two discussion of this study conclude the absence of justice, namely the aspects of the contract and consistency aspects of interest. The final discussion concludes that there is justice, which is the aspect justice cooperatives.</em></p>

scholarly journals Analisis Kualitas Pelayanan yang Diberikan Koperasi Restu Berdikari Kecamatan Sungai Tebelian Kabupaten Sintang

2013 ◽  
Vol 9 (3) ◽  
pp. 268
Author(s):  
Devi Yasmin ◽  
Supriyadi Sup
Keyword(s):  
Quality Of Service ◽  
Service Quality ◽  
Primary Data ◽  
Survey Method ◽  
Savings And Loans ◽  
Five Dimensions ◽  
Savings And Loan ◽  
Study Population ◽  
The Difference

This study discusses the quality of service given the blessing of self-sustained cooperative Sungai Tebelian Kabupaten Sintang. This study aims to determine the quality of service that includes tangible dimension, reliability, responsiveness, assurance and empathy. This type of research used in this research is the survey method. Data collection techniques are the primary data, interviews, questionnaires. The study population numbered 808 members and 100 of whom were sampled. The selected sample of Purporsive Sampling with the criteria set by saving at least 5 months old and all members of the cooperative blessing respondents who self-sufficient savings and loans. Technical analysis is the analysis of the data used servqual score = score of expectation-perception score is calculating the difference or (Gap) to determine the quality of service. Of the five dimensions of service quality Restu Cooperative of Self-reliance can be concluded that the positive savings and loan service users are not satisfied with the quality of service cooperatives Restu Berdikari for service quality Servqual score of 0.37 was obtained. The analysis showed that the expected value is greater than the perceptions of members of the cooperative, means a greater quality of service expectations than on reality. The results of this study indicate members' responses to service quality Restu Berdikari Cooperative shows that most responding dissatisfied. Items that are greatest difference is the responsiveness of the employees of cooperatives is 0.66.Keywords: Service Quality, Koperasi Restu Berdikari, Kabupaten Sintang

scholarly journals THE AGREEMENT FOR THE RESULTS OF THE AGRICULTURAL LAND IN THE INDIGENOUS PERSPECTIVE OF GORONTALO

2016 ◽  
Vol 1 (1) ◽  
pp. 33-43
Author(s):  
Johan Jasin
Keyword(s):  
Agricultural Land ◽  
Secondary Data ◽  
Primary Data ◽  
Annual Plants ◽  
Legal Research ◽  
Part C ◽  
Primary Data Source ◽  
Secondary Data Source ◽  
Data Source ◽  
Description Form

The agreement for the results of the agricultural land in Indonesia, it is a custom, not affected by globalization that prioritizes a written document. This custom interesting to be listened to with a focus on description form, contents and implementation. The study of this nature is a socio legal research using an approach of philosophical sociology and law, who viewed the practice of overriding high society, while the primary data source is the custom figures as informants and the secondary data source is legislation, literature and research results. The data collected is analyzed using qualitative techniques. The results showed that: the agreements for agricultural land results in Gorontalo, between landowners and tenants are conducted orally, in which the rights and obligations of each party, the risks, the length of time, and forms the Division results depend on both sides negotiating with upholding the values of trust, honesty, sense of community and tradition. As for how the Division according to the custom are: (a) the seasonal crops such as maize, the landowner has a third section while the tenants enjoy the accounting section; (b) the perennials such as bananas, the respective parties (owners and tenants) got equal parts namely ½ part; (c) the annual plants such as coconut, accounting (2/3) is part of the rights of landowners, while tenants obtain one third (1/3), parts.

scholarly journals Menakar Faktor Penghambat Dalam Mewujudkan Kepastian Hukum Dibidang Pertanahan

PLENO JURE ◽  
2021 ◽  
Vol 10 (2) ◽  
pp. 115-121
Author(s):  
Muhammad Akbar Middin ◽  
Salle Salle ◽  
Aan Aswari
Keyword(s):  
Field Data ◽  
Belief System ◽  
Legal Certainty ◽  
Legal Research ◽  
Family Ties ◽  
Remote Areas ◽  
Village Community ◽  
Long Duration ◽  
Data Source ◽  
Border Areas

Penelitian ini bertujuan untuk mengetahui faktor-faktor apa saja yang menghambat terjadinya pelaksanaan balik nama sertifikat hak milik dalam jual beli tanah di Desa Sanglepongan Kecamatan Curio Kabupaten Enrekang dan agar dapat menentukan upaya pihak Kantor Badan Pertanahan Nasional Kabupaten Enrekang terhadap masyarakat Desa Sanglepongan Kecamatan Curio Kabupaten Enrekang yang belum melakukan upaya perwujudan kepastian hukum disektor administrasi agraria. Kajian ini berupaya mendeskripsikan gambaran daerah pelosok sebuah provinsi yang masih perlu mendapatkan perhatian lebih dalam pemanfaatan hukum, sekaligus menunjukkan fenomena hukum tidak hanya wilayah perbatasan negeri saja yang masih bermasalah. Penelitian ini menggunakan metode penelitian hukum secara empiris dengan adanya data-data lapangan sebagai sumber data utama yang dirangkum dan dikumpulkan oleh peneliti melalui kuisioner dan wawancara. Hasil penelitian menunjukkan masyarakat pemilik tanah menyatakan beberapa faktor penyebab dari belum melakukan balik nama sertifikat hak milik atas tanah yang dibelinya adalah tidak mengetahui prosedur, biaya mahal, durasi pengurusan yang lama, merasa sistem administrasi yang berbelit-belit, dan tidak perlu melakukan balik nama dikarenakan masyarakat Desa Sanglepongan masih menganut sistem kepercayaan atau sistem adat, yaitu masyarakat menganggap masih memiliki ikatan keluarga sehingga tidak ada yang akan berani untuk menuntut atau memeperkarakan di kemudian hari. Meski demikian, temuan dari penelitian ini agar Badan Pertanahan Nasional perlu melakukan beragam tindakan yang dapat mengubah pola pikir masyarakat, diantaranya melakukan sosialisasi kepada masyarakat pentingnya sertifikat tanah dan tentang balik nama sertifikat tanah, dimana masyarakat telah difasilitasi beragam sarana dan prasarana untuk mendapatkan kepastian hukum. AbstractThis study aims to find out what factors hinder the implementation of the transfer of title certificates in the sale and purchase of land in Sanglepongan Village, Curio District, Enrekang Regency and to determine the efforts of the Enrekang Regency National Land Agency Office towards the Sanglepongan Village community, Curio District, Enrekang Regency. who have not made efforts to realize legal certainty in the agrarian administration sector. This study seeks to describe the picture of remote areas of a province that still needs more attention in the use of the law, as well as showing legal phenomena, not only the border areas of the country that are still problematic. This study uses empirical legal research methods with field data as the main data source which is summarized and collected by researchers through questionnaires and interviews. The results showed that the landowners stated that several factors that caused them to not transfer the name of the certificate of title to the land they bought were not knowing the procedures, expensive fees, long duration of management, feeling that the administrative system was complicated, and there was no need to change the name because The Sanglepongan Village community still adheres to a belief system or customary system, namely the community considers they still have family ties so that no one will dare to sue or bring a lawsuit in the future. However, the findings of this study are that the National Land Agency needs to take various actions that can change the mindset of the community, including socializing the importance of land certificates and about the transfer of land certificates, where the community has been facilitated by various facilities and infrastructure to obtain legal certainty.

scholarly journals Juridistic review of law of community awareness in Ulunggolaka village in land registration

2019 ◽  
Vol 4 (1) ◽  
pp. 54-62
Author(s):  
Patmasari Patmasari
Keyword(s):  
Urban Communities ◽  
Research Method ◽  
Primary Data ◽  
Legal Knowledge ◽  
Legal Certainty ◽  
Legal Research ◽  
Causal Factors ◽  
Land Registration ◽  
Community Awareness ◽  
Village Community

This study aims to determine and analyze the legal awareness of the Ulunggolaka community in registering land and to find out and analyze the causal factors so that there are still ulunggolaka urban communities who do not register land. The research method used is empirical legal research that examines primary data obtained from observations, questionnaires, and interviews. The results of this study indicate that the legal awareness of Ulunggolaka Village community in conducting land registration is still relatively low by referring to the answers of respondents who have given their answers based on four legal awareness indicators, namely: (1) Legal Knowledge, (2) Understanding of the law, (3) ) Legal attitude and (4) Pattern of legal behavior. The causal factor so that there are still ulunggolaka urban communities who do not register their land is based on the low legal awareness of the community of the importance of securing assets (land) by obtaining guarantees and legal certainty so that ownership is not strongest and cannot be disturbed, and besides that the community is unable to meet the requirements that must be completed in carrying out land registration, especially proof of the origin of the land, plus the expensive costs and administrative arrangements that are difficult for the community.

scholarly journals The Role And Notary Responsibilities Of Establishment Of A Commanditary Fellow

Jurnal Akta ◽  
2020 ◽  
Vol 7 (2) ◽  
pp. 277
Author(s):  
Nailatul Muna ◽  
Anis Mashdurohatun
Keyword(s):  
Secondary Data ◽  
Social Attitudes ◽  
Primary Data ◽  
Legal Certainty ◽  
Legal Research ◽  
Limited Partnership ◽  
Roles And Responsibilities ◽  
Online System ◽  
And Behavior ◽  
Attitudes And Behavior

The purpose of this study was to: 1) Analyze know their roles and responsibilities in the establishment of the Guild Commanditaire Notary. 2) Obstacles encountered in implementing the Notary's role and responsibility in the establishment of the Guild Commanditaire. 3) The solution or an attempt to overcome the obstacles encountered in implementing the notary's role and responsibility in the establishment of the Guild Commanditaire.This study using sociological juridical approach or empirical legal research involves studying law from an external perspective to the object of the study of social attitudes and behavior against the law. Sources of primary data from interviews, while secondary data from literature. The study was analyzed by using a descriptive analysis.The research results are: 1). Roles and responsibilities in the establishment of the Guild Commanditaire Notary is to create legal certainty for the deed he made are authentic and can be used as a means of proving strong and when there are problems associated with the establishment of a limited partnership. Notary also instrumental in the establishment registration Kommanditgesellschaft the Ministry of Law and Human Rights through an online system that is SABU. Notary responsible for storing all documents in the manufacture of the deed of establishment. 2). The obstacles faced by the Notary is the rule about registering through SABU is still relatively new so in the field occurred constraints for example, many notaries are not yet aware of any changes to the rules and the registration mechanism.Keywords: Guild Commanditaire; Deed; SABU.

scholarly journals Efektivitas Penggunaan Batas Waktu Surat Kuasa Membebankan Hak Tanggungan dalam Pemberian Kredit Bank pada PT.BPR Tapa

2021 ◽  
Vol 2 (2) ◽  
pp. 326-331
Author(s):  
Made Indira Sukma Dewi ◽  
I Nyoman Putu Budiartha ◽  
Putu Ayu Sriasih Wesna
Keyword(s):  
Primary Data ◽  
Legal Certainty ◽  
Credit System ◽  
Legal Research ◽  
Interview Method ◽  
Sociological Approach ◽  
Input System ◽  
Data Collection Technique ◽  
Ministerial Decree

One of the institutions for providing capital and supporting the welfare of the people's economy is the Bank. Banks can channel funds to parties in need through the credit system. To provide legal certainty guarantees to the lending bank must be registered. Guarantee that takes precedence in this case, guarantee of materiality. One form of guarantee referred to is SKMHT. In the regulation or application of the Ministerial Decree on the Determination of Time Limits on the Use of SKMHT to guarantee the Repayment of Certain Loans, in reality, TAPA BPR is interesting for further study. The method used is an empirical legal research method. with a statutory, analytical, conceptual and sociological approach. The primary data collection technique in this study is the interview method. The results of this study indicate that there are three factors inhibiting the implementation of the time limit for using SKMHT in banking practices at PT. BPR TAPA, namely the credit guarantee does not have a certificate and the management period is long so that the SKMHT has ended, there is a disturbance in the BPN data input system, and the debtor is not willing to make payments, which causes SKMHT cannot be followed up by charging APHT

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