scholarly journals Pertanggungjawaban Lembaga Perkreditan Desa (LPD) Desa Adat Ungasan Atas Ketidakmampuannya dalam Memenuhi Hak Nasabah Pemegang Simpanan

2021 ◽  
Vol 2 (2) ◽  
pp. 358-365
Author(s):  
I Gede Surya Pratama Putra ◽  
I Nyoman Sukandia ◽  
Ni Made Puspasutari Ujianti
Keyword(s):  
Empirical Research ◽  
Indigenous Peoples ◽  
Research Method ◽  
Internal Environment ◽  
Credit Institution ◽  
Research Results ◽  
Financial Transactions ◽  
The Village ◽  
Economic Institution

LPD is an economic institution belonging to the Traditional Village. LPD is formed, managed by Desa Pakraman, and serves financial transactions only within the internal environment of Desa Pakraman. LPD administrators are elected, stipulated, legalized, and dismissed by means of the village paruman. From all levels the LPD management comes from indigenous peoples and cannot avoid problems that arise in the institution, thus, this research focuses on to manage loans (credit) to customers so as to avoid bad credit at the Village Credit Institution (LPD) Adat Ungasan and to examine the responsibility of the Ungasan Traditional Village Credit Institution (LPD) in fulfilling the rights of customers who hold deposits. The research method used in this research is empirical research method. Based on the research results, it can be concluded that there are four parts to the procedure for giving credit to the LPD, namely: The Credit Section, the Head of the LPD, the Cashier Section and the Bookkeeping Section. Furthermore, all losses of the Ungasan Traditional Village LPD shall be borne by the Traditional Village, in the event that the Traditional Village is able to back up the losses of the Ungasan Customary LPD, provided that the old Ungasan LPD administrators cover all losses to the Traditional Village because the Traditional Village is a communal customary organization or promoting togetherness

scholarly journals Akibat Hukum Kredit Macet di Lembaga Perkreditan Desa yang Debiturnya Non Krama

2020 ◽  
Vol 2 (1) ◽  
pp. 37-41
Author(s):  
I Gusti Agung Satrya Wiguna S ◽  
Desak Gde Dwi Arini ◽  
Luh Putu Suryani
Keyword(s):  
Data Collection ◽  
Empirical Research ◽  
Research Method ◽  
Legal Certainty ◽  
Credit Institution ◽  
Bad Loans ◽  
Credit Agreement ◽  
The Village ◽  
Legal Consequences ◽  
Credit Institutions

Abstract-In the governance of the Adat Village in Bali, it has a credit institution, namely the Village Credit Institution, which is a movement of the community of Pakraman Village to improve the economic standard of Pakraman Village. However, if it is not properly mobilized, it will cause new problems and the problems that are most often expressed, one of which is bad credit. If bad credit is carried out by village officials, this can be solved by a rerem or regulations made jointly by the indigenous villagers. But if this bad credit is carried out by non-village officials, according to Bali Provincial Regulation Number 3 of 2017 concerning Village Credit Institutions (LPD), explain; (LPD) may not give credit to non-village officials. However, in some traditional villages, there are also those in the perarem which are allowed by non-village officials to conduct credit in (LPD) but there must be representatives from the traditional village krama. For this reason, there is no legal certainty for non-village officials who commit bad credit. The problems in this research are: 1. How legitimate is the credit agreement at the LPD that the debtor is non-Village Village ?. 2. What are the legal consequences if there is a bad credit, the debtor is a non-village official? The research method used is the Empirical research method and data collection techniques through interviews and observations. The results of this study are in the implementation if the LPD allows non-village manners to do credit in their LPD, then there must be a village regulation that regulates the credit process carried out by non-manners of the village. In addition, the settlement of bad loans must also be regulated by regulations in the customary village. Keywords: Bad Credit, Non-Villagers Courtesy, Village Credit Institution. Abstrak-Dalam pemerintahan Desa Adat di Bali, memiliki suatu lembaga perkreditan yaitu Lembaga Perkreditan Desa yang mana merupakan gerakan masyarakat Desa Pakraman guna meningkatkan taraf hidup ekonomi Desa pakraman. Namun, jika tidak di mobilitasi dengan baik, justru akan menimbulkan masalah baru dan masalah yang paling sering diungkapkan salah satunya Kredit Macet. Jika kredit macet yang dilakukan oleh krama desa, hal ini bisa diselesaikan dengan perarem atau peraturan yang dibuat bersama - sama oleh warga Desa adat. Tetapi jika kredit macet ini dilakukan oleh non krama desa, sesuai dalam Peraturan Daerah Provinsi Bali Nomor 3 Tahun 2017 Tentang Lembaga Perkreditan Desa (LPD) menerangkan; (LPD) tidak boleh memberikan kredit kepada non krama desa. Namun didalam beberapa desa adat, ada pula yang dalam peraremnya dibolehkan non krama desa untuk melakukan kredit di (LPD) namun harus ada perwakilan dari krama desa adat setempat. Atas dari hal ini, belumlah adanya kepastian hukum bagi non krama desa yang melakukan kredit macet. Permasalahan dalam penelitian ini adalah: 1. Bagaimana sahnya perjanjian kredit di LPD yang debiturnya non krama Desa?. 2. Bagaimana akibat hukum jika terjadi kredit macet yang debiturnya non krama Desa?. Metode penelitian yang digunakan adalah metode penelitian Empiris serta teknik pengumpulam data melalui wawancara dan observasi. Adapun hasil dari penelitian ini adalah dalam pelaksanaanya apabila LPD mengijinkan orang non krama desa untuk melakukan kredit pada LPDnya maka harus ada perarem desa yang mengatur mengenai proses perkreditan yang dilakukan oleh non krama desa. Selain itu penyelesaian kredit macet pun juga harus diatur dengan perarem pada desa adat. Kata Kunci: Kredit Macet, Non Krama Desa, Lembaga Perkreditan Desa.

scholarly journals Religious Communal of Indigenous Peoples in Improving Economy Through Local Wisdom (A Juridical Study on Rural Credit Institution in Bali)

2016 ◽  
Vol 1 (1) ◽  
pp. 89
Author(s):  
Johannes Ibrahim ◽  
Hassanain Haykal
Keyword(s):  
Indigenous Peoples ◽  
Financial Institutions ◽  
Financial Institution ◽  
Target Area ◽  
Credit Institution ◽  
Rural Credit ◽  
Local Residents ◽  
Financial Transactions ◽  
The Village ◽  
Credit Institutions

Rural Credit Institution is a financial institution that is specifically located in Pakraman (customary villages) in Bali. The presence of Rural Credit Institution in Bali adjoined to other bank financial institutions such as Commercial Banks and Rural Banks are widespread throughout the province of Bali. Rural Credit Institutions as a financial institution acquire legality under Article 58 of Act No. 7 of 1992 in conjunction with Act No. 10 of 1998 which provides status as Rural Banks. Local wisdom that owned by Rural Credit Institutions, has the scope of business activities, the types of activities and financial transactions are limited in Pakraman as the target area. Customers who save funds or require a loan to be registered as local residents aimed at empowering communities. It is a characteristic of religious communal of Bali’s people for business activities in the village. The uniqueness in the Rural Credit Institutions is the local wisdom of Bali’s people that can be maintained and not be crushed by globalization.

scholarly journals Religious Communal of Indigenous Peoples in Improving Economy Through Local Wisdom (A Juridical Study on Rural Credit Institution in Bali)

2016 ◽  
Vol 1 (1) ◽  
pp. 89
Author(s):  
Johannes Ibrahim ◽  
Hassanain Haykal
Keyword(s):  
Indigenous Peoples ◽  
Financial Institutions ◽  
Financial Institution ◽  
Target Area ◽  
Credit Institution ◽  
Rural Credit ◽  
Local Residents ◽  
Financial Transactions ◽  
The Village ◽  
Credit Institutions

Rural Credit Institution is a financial institution that is specifically located in Pakraman (customary villages) in Bali. The presence of Rural Credit Institution in Bali adjoined to other bank financial institutions such as Commercial Banks and Rural Banks are widespread throughout the province of Bali. Rural Credit Institutions as a financial institution acquire legality under Article 58 of Act No. 7 of 1992 in conjunction with Act No. 10 of 1998 which provides status as Rural Banks. Local wisdom that owned by Rural Credit Institutions, has the scope of business activities, the types of activities and financial transactions are limited in Pakraman as the target area. Customers who save funds or require a loan to be registered as local residents aimed at empowering communities. It is a characteristic of religious communal of Bali’s people for business activities in the village. The uniqueness in the Rural Credit Institutions is the local wisdom of Bali’s people that can be maintained and not be crushed by globalization.

scholarly journals Penyelesaian Sengketa Pelaksanaan Perjanjian Lelang Sungai di Bidang Perikanan di Kecamatan Tanjung Lago Kabupaten Banyuasin

Wajah Hukum ◽  
2021 ◽  
Vol 5 (1) ◽  
pp. 106
Author(s):  
Indrajaya Indrajaya
Keyword(s):  
Natural Resources ◽  
Research Method ◽  
Local Population ◽  
Civil Code ◽  
Legal Action ◽  
Research Results ◽  
Long Time ◽  
Settlement Of Disputes ◽  
The Village

In the Civil Code regulates agreement, one type of agreement is an auction, however the object of this auction agreement is not an object or animal, but a river. In areas that have natural resources in the form of rivers, these agreements are often carried out, in practice adapted to local local wisdom. The river auction tradition in Tanjung Lago District, Banyuasin Regency, South Sumatra Province has been going on for a long time and has become a tradition for the local population. However, in practice there are often defaults committed by the parties. The purpose of this study is to determine the settlement of disputes in case of default by the parties. The research method is to look at direct facts that happen in real terms but still by using legal materials in the form of existing regulations and other sources. From the research results it is known that if one of the parties (the village administration and the winner of the auction) defaults, a deliberation between both parties but if it cannot be resolved then legal action can be taken. Meanwhile, if there is a default between the auction winner and the fisherman, the settlement will only be in the form of a warning and loss of trust without any sanctions.

scholarly journals KONTEKSTUALISASI HADIS NUSYUZ PADA WANITA KARIR DI DESA JANTI KABUPATEN JOMBANG

2021 ◽  
Vol 7 (1) ◽  
pp. 23
Author(s):  
Nurlaila Indah Setiyoningrum ◽  
Muhammad Albi Albana ◽  
Nasrulloh Nasrulloh
Keyword(s):  
Empirical Research ◽  
Research Method ◽  
Deterrent Effect ◽  
Analysis Method ◽  
Causal Factors ◽  
Sociological Approach ◽  
Family Economy ◽  
The Family ◽  
Career Woman ◽  
The Village

<p class="06IsiAbstrak"><em>Nusyuz</em> seorang istri terhadap suaminya karena istri berkarir dapat berakibat perceraian. Wanita bekerja demi perekonomian keluarga merupakan hal yang sangat terpuji. Namun, dikarenakan istri bekerja kewajibannya menjadi seorang istri terbengkalai dan semena-mena terhadap suaminya. Penelitian ini bertujuan untuk mengetahui penyebab kasus <em>n</em><em>usyuz</em> yang terjadi di Desa Janti Kecamatan Mojoagung Kabupaten Jombang dan kajian living hadis dalam memandang kasus <em>n</em><em>usyuz</em> tersebut. Metode penelitian ini menggunakan jenis penelitian empiris dan metode analisis utamanya menggunakan kajian <em>living hadis </em>dengan<em> </em>pendekatan sosiologis. Dari uraian tersebut diperoleh hasil bahwa penyebab utama dari <em>nusyuz</em>nya para istri ialah karena mereka bekerja sehingga istri melalaikan kewajiban yang seharusnya mereka emban, sedangkan dalam perbuatan <em>nusyuz-</em>nya berbeda-beda seperti tidak taat kepada suami, berani membentak bahkan melawan suami, tidak mau berhubungan intim dan tidak melaksanakan tugasnya sebagai istri dan ibu dari anak-anaknya. seorang istri yang bekerja dapat melalaikan kewajibannya karena faktor-faktor penyebab, yaitu faktor berkarir untuk memenuhi perekonimian keluarga. Perbuatan <em>nusyuz</em> yang dilakukan dalam bentuk penolakan hubungan seksual dan ketidakpatuhan terhadap suami. Dalam upayanya para suami masih dalam tahap menasehati saja dalam memberikan efek jera dan tidak memberikan hukuman yang lebih dari itu.</p><p class="06IsiAbstrak">[<strong>Living Hadith: Nuyuz Career Woman to Her Husband in the Village of janti, Mojoagung Subdistrict, Jombang Distric.</strong> <em>Nusyuz</em> a wife towards her hhusband because a wife’s career can result in divorce. Women working for the family economy is a very commendable thing. However, because the wife works, her obligation as a wife is neglected and abuses her husband. This study aims to determine the cause of the case <em>Nusyuz</em> that occurred in the village Janti, Mojoagung Subdistrict, Jombang District and study the living hadith in looking at the <em>nusyuz</em> case. This research method uses empirical research, the main analysis method uses the study of living hadith and the approach is the sociological approach. From this description, it is found that the main cause of the <em>nusyuz</em> of wives is because they work so that the wives neglect the obligations they should carry, while in <em>nusyuz's</em> actions are different such as disobeying their husbands, daring to yell even against their husbands, not wanting to have sex and does not carry out her duties as a wife and mother of her children. A working wife can neglect her obligations due to causal factors, namely career factors to fulfill the family economy. <em>Nusyuz</em> acts that are carried out in the form of refusing sexual relations and disobedience to their husbands. In this effort, the husbands are still in the stage of only giving advice in providing a deterrent effect and not giving more punishment than that.]</p>

scholarly journals SEJARAH DAN PROSESI TRADISI ADAT BALALA’ SUKU DAYAK KANAYATN

2021 ◽  
Vol 10 (3) ◽  
pp. 386-399
Author(s):  
Andang Firmansyah ◽  
Edwin Mirzachaerulsyah ◽  
Irena Yovanka T.A.
Keyword(s):  
Data Collection ◽  
Indigenous Peoples ◽  
Research Method ◽  
Research Results ◽  
Opening Ceremony ◽  
Personal Awareness ◽  
Ethnographic Approach ◽  
Younger Generation ◽  
Descriptive Qualitative

Balala' traditional ceremony is one of forbidden customs in the Kanayatn Dayak community. This study describes the Balala' indigenous traditions held by Dayak Kanayatn tribe in Pate Hamlet, Saham Village, Sengah Temila District, Landak Regency. The research method used is a descriptive qualitative one with an ethnographic approach, while the data collection techniques used are interviews and documentation. Data collection instruments are interview guides and documentation. Based on the research results, the ‘Balala'  traditional procession consists of several stages: Mansorokng ceremony held on April 12, opening ceremony on May 28, and ‘Bungkas Lala’ ceremony on May 31. This rite is a form of ceremony to get rid of bad luck or bad things. Every citizen always obeys advices and prohibitions. This paper implies that the ‘Balala' customary tradition can be known widely, especially to the younger generation in order to be preserved as it represents the personal awareness of the community as indigenous peoples.

scholarly journals PERAN DESA ADAT DALAM TATA KELOLA LEMBAGA PERKREDITAN (LPD) DI BALI

2021 ◽  
Vol 5 (2) ◽  
pp. 580
Author(s):  
Mia Hadiati ◽  
Lis Julianti ◽  
Moody R Syailendra ◽  
Luthfi Marfungah ◽  
Anggraeni Sari Gunawan
Keyword(s):  
Informal Sector ◽  
Research Method ◽  
Conflicts Of Interest ◽  
Secondary Data ◽  
Customary Law ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Credit Institution ◽  
Legal Research ◽  
The Village

LPD as one of the MicroFinance Institutions is very rapidly growing in Bali Province. LPD is said to be the business center of the informal sector. The existence of LPD as a credit institution in the village has been recognized based on customary law. In 2020 LPD in Bali amounted to about 1,433 LPD from a total of 1,485 Indigenous Villages in Bali which more served loans for villagers for various purposes. Therefore, in the management of LPD must be managed properly, correctly, transparency so that there is no misuse of LPD in its management and designation. The research method used in this research is normative-empirical legal research. This research is a blend of normative legal research and empirical legal research. Normative legal research is legal research that uses secondary data, while empirical legal research is legal research that uses primary data.  Based on the results of this pre-study can be concluded the occurrence of criminal acts of corruption committed both the Board and lpd managers cause disputes. Disputes conducted by lpd managers and managers cause conflicts of interest either between the manager with customary karma or between managers and managers both in the duties and functions of their authority. Disputes over customary issues in the Village within the scope of LPD either indicated that cause village losses or violations of applicable laws and regulations are often resolved through national law compared to customary law that applies in an LPD area. LPD sebagai salah satu Lembaga Keuangan Mikro sangatlah berkembang pesat di Provinsi Bali. LPD dikatakan sebagai pusat usaha sektor informal. Eksistensi LPD sebagai lembaga perkreditan di desa telah diakui keberadaannya berdasarkan hukum adat. Tahun 2020 LPD di Bali berjumlah sekitar 1.433 LPD dari total 1.485 Desa Adat di Bali yang lebih banyak melayani pinjaman bagi masyarakat desa untuk berbagai keperluan. Oleh karena itu didalam pengurusan LPD haruslah dikelola dengan baik, benar, transparansi agar tidak terjadi penyalahgunaan LPD di dalam pengelolaan dan peruntukannya. Metode penelitian yang digunakan dalam penelitian ini adalah penelitian hukum normatif-empiris. Penelitian ini merupakan perpaduan antara penelitian hukum normatif dan penelitian hukum empiris. Penelitian hukum normatif adalah penelitian hukum yang menggunakan data sekunder, sedangkan penelitian hukum empiris adalah penelitian hukum yang menggunakan data primer.  Berdasarkan hasil pra penelitian ini dapat disimpulkan terjadinya tindak pidana korupsi yang dilakukan baik itu Pengurus dan pengelola LPD menimbulkan sengketa. Sengketa yang dilakukan oleh Pengurus dan pengelola LPD menimbulkan konflik kepentingan baik antara pengurus dengan karma adat atau antar pengurus dan pengelola baik dalam tugas dan fungsi kewenangannya. Sengketa permasalahan adat di Desa dalam ruang lingkup LPD baik itu terindikasi yang menimbulkan kerugian desa ataupun pelanggaran Peraturan Perundang Undangan yang berlaku seringkali sengketa tersebut diselesaikan melalui hukum Nasional dibandingkan dengan hukum adat yang berlaku di suatu wilayah LPD.

Empirical Research of Online Payment Acceptance Factors

2013 ◽  
Vol 411-414 ◽  
pp. 2195-2199
Author(s):  
Hong Wang ◽  
Wen Bao Jiang ◽  
Qiu Yun Wang
Keyword(s):  
Empirical Research ◽  
Questionnaire Survey ◽  
Research Method ◽  
System Security ◽  
Payment System ◽  
Research Results ◽  
Consumption Level ◽  
Online Payment ◽  
Purchase Cost ◽  
Acceptance Factors

The research object was online payment acceptance. The research method was questionnaire survey. A total of 250 questionnaires were Issued, 233 questionnaires were recovered, 230 questionnaires were effective questionnaire. The collected data were analyzed by SPSS 19. The research results show that consumption level has not an effect on online payment acceptance, online payment system security and purchase cost have an impact on online payment acceptance. The significant effect values of three variables are 0.544, 0.025, 0.00.

scholarly journals EKSISTENSI HUKUM ADAT DALAM PENYELENGGARAAN PEMERINTAHAN DESA DI BALI

2012 ◽  
Vol 1 (3) ◽  
pp. 409
Author(s):  
Adharinalti Adharinalti
Keyword(s):  
Empirical Research ◽  
Indigenous Peoples ◽  
Customary Law ◽  
The Public ◽  
Village Governance ◽  
The Republic ◽  
The Village

<p>Melalui Pasal 18B Undang-Undang Dasar Negara Republik Indonesia Tahun 1945 (UUD NRI Tahun 1945), adat dan kesatuan masyarakat adat memiliki posisi yang is Ɵ mewa dalam penyelenggaraan pemerintahan desa. Hal ini dikarenakan Desa sebagai penyelenggara pemerintahan yang langsung berhubungan dengan masyarakat. Salah satu daerah yang menarik untuk diteli Ɵ adalah Bali mengingat daerahnya yang sangat kental dengan adat dan hukum adatnya serta sebagai salah satu daerah yang memiliki desa adat (Desa Pakraman). Permasalahan yang muncul adalah bagaimana adat berinteraksi dalam penyelenggaraan pemerintahan desa di Bali? Jenis peneli Ɵ annya adalah kepustakaan dan empiris dengan studi dokumen dan wawancara dengan narasumber yang kompeten dibidangnya. Bahwa eksistensi adat dalam penyelenggaraan pemerintahan desa di Bali dapat terlihat dari diterapkannya konsep Tri Hita Karana dalam penyelenggaraan pemerintahan desa dengan salah satu buk Ɵ konkrit adalah adanya Desa Pakraman selain desa dinas.</p><p>By Ar Ɵ cle 18B of the Cons Ɵ tu Ɵ on of the Republic of Indonesia Year 1945, the unity of indigenous peoples has a privileged posi Ɵ on in village governance. This is because the village as the administrators who directly deal with the public. One interes Ɵ ng area to examine is the Bali given the highly viscous region with customs and customary law as well as one area that has a tradi Ɵ onal village (Village Pakraman). The problem that arises is how to interact in a tradi Ɵ onal village governance in Bali? Types of literature and empirical research is to study the documents and interviews to the informans. That the existence of indigenous peoples in village governance in Bali can be seen from the applica Ɵ on of the concept of Tri Hita Karana in village governance with concrete evidence is one of the village but the village Pakramanservice.</p>

scholarly journals Empirical Research on Industrial Design Contribution Rate under Statistical Frame

2018 ◽  
Vol 176 ◽  
pp. 03001
Author(s):  
Xiaojing Liu ◽  
Ying Liu ◽  
Xinyuan Xue
Keyword(s):  
Regression Model ◽  
Empirical Research ◽  
Random Sampling ◽  
Research Method ◽  
Industrial Design ◽  
Evaluation Method ◽  
Statistical Data ◽  
Contribution Rate ◽  
Research Results ◽  
The Relationship

This paper studies the evaluation method of industrial design contribution rate from the statistical frame, strives to realize the extension of research results and the replication of research method. This paper firstly identifies the connecting points with the statistics of national scientific activities through streamlining the relationship between industrial design and R&D; and then it selects the appropriate calculating model and variants according to the characteristics of industrial design, as well as established the accumulating effects regression model as per the development rules of product; finally it applies the statistical data of random sampling to calculate the industrial rate of ShunDe District in 2012 and analyzes the research results

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