scholarly journals JURIDICAL ANALYSIS OF DISCLAIMER CLAIMS BY ENTREPRENEURS ON ONLINE TRADING (E-COMMERCE)

2020 ◽  
Vol 1 (1) ◽  
pp. 43
Author(s):  
Heni Pratiwi
Keyword(s):  
Legal Protection ◽  
Secondary Data ◽  
Civil Code ◽  
Freedom Of Association ◽  
Freedom Of Contract ◽  
Electronic Transactions ◽  
The Status ◽  
Online Trading ◽  
Legal Consequence ◽  
The Law

Disclaimer or exemption clause is a clause or statement used by business actors to restrict or transfer the liability on the rights and obligations of an agreement and legal action. The inclusion of this disclaimer seems to be a freedom for business actors to freely transfer their liabilities which aims to provide protection for them selves, while consumers are being disadvantaged because they cannot file claims or hold accountability in case a default occurs. Therefore, the ease on transferring these liabilities as outlined in the form of a disclaimer is considered a violation of the principle of freedom of contract. This study is a normative research with approach carried out through library study with materials related to the problems of examination. The data sources consisted of primary and secondary data. The collected data were analyzed qualitatively.The results of the study showed that: a). The status of the disclaimer according to the law of agreement was declared null and void because it did not fulfill the objective conditions contained in Article 1320 of the Civil Code, namely legal reasons, containing provisions that contravened the law and violation of the principle of freedom of association. b). The validity of electronic transactions viewed from Article 1320 of the Civil Code was only valid if it fulfilled the four valid conditions of the agreement, both subjective and objective conditions. If these subjective conditions are not met, then as a legal consequence the e-commerce sale and purchase contract would be canceled, and if the objective conditions are not met, the contract would be made null and void, c). The form of legal protection for consumers against the first disclaimer/exemption clause, through preventive protection, UUPK (the Consumers Protection Act) has designed a preventive provision by regulating prohibitions for business actors to include disclaimer clause and it is required to adjust the contents of the disclaimer clause regulated in Chapter V Article 18 of UUPK. Second, through repressive protection which aims to resolve disputes in order to protect consumers. The consumers can resolve the dispute through lawsuit (litigation) and without the intervention of the court (non litigation).

scholarly journals PENERAPAN ASAS KONSENSUALISME DALAM PERJANJIAN JUAL BELI ONLINE

2020 ◽  
Vol 8 (8) ◽  
pp. 1138
Author(s):  
Ni Putu Ayu Bunga Sasmita ◽  
I Wayan Novy Purwanto
Keyword(s):  
Research Methods ◽  
Legal Aspects ◽  
Civil Code ◽  
Legal Basis ◽  
Legal Research ◽  
Electronic Transactions ◽  
Online Trading ◽  
The Law ◽  
The Republic

Penelitian ini bertujuan untukemahami bagaimanakah pengaturan jual beli online dalam hukum di Indonesia dan bagaimanakah aspek hukum jual beli secara online dalam perjanjian.  Penelitian ini, menggunakan metode penelitian hukum normatif. Sedangkan pendekatan yang digunakan adalah menggunakan pendekatan fakta dan statute approach. Hasil penelitian ini menunjukan bahwa pengaturan mengenai jual beli secara online diatur dalam ketentuan Pasal 18 ayat (1) Undang-Undang Republik Indonesia Nomor 19 Tahun 2016 tentang Perubahan Atas Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik, yang mana sebagai penerapan pasal 1313 KUHPerdata. Para pihak yang mengadakan perjanjian bisa menerapkan KUHPerdata yang jadi dasar diakui sahnya perjanjian dimana keabsahannya tercantum syarat 1320 KUHPerdata yakni:   kecakapan, kesepakatan, suatu sebab yang halal dan suatu hal tertentu.Sedangkan penerapan asas Konsensualisme dalam perjanjian online yang didasarkan oleh ketentuan dalam Pasal 1313 KUHPerdata yang menegaskan bahwa adanya suatu perjanjian berarti pihak satu dengan pihak lainnya setuju untuk mengikatkan dirinya.   This study aims to understand how the online arrangement in the sale and purchase agreement and how the legal aspects of buying and selling online in the agreement. This research uses normative legal research methods. While the approach used is to use the fact approach and statute approach. The results of this study indicate that the regulation regarding online trading is regulated in the provisions of Article 18 paragraph (1) of the Law of the Republic of Indonesia Number 19 of 2016 concerning Amendment to Law Number 11 of 2008 concerning Information and Electronic Transactions, which is the legal basis for applying article 1313 of the Civil Code. The parties who entered into the agreement can apply the KUHPer which is the basis for the validity of the agreement where the validity is stated in the terms of the 1320 KUHPer, namely: skill, agreement, a halal cause and a certain thing. While the application of the principle of consensualism in an online agreement based on the provisions in Article 1313 of the KUHPer which confirms that an agreement means that one party with another party agrees to bind themselves.

Aspek Hukum Pengikatan Jual Beli Tanah Petok D Menurut Kuhperdata

2021 ◽  
Vol 8 (5) ◽  
Author(s):  
Alur Anzarwati Sekoningtias ◽  
Nynda Fatmawati Octarina
Keyword(s):  
Government Regulation ◽  
Legal Theory ◽  
Secondary Data ◽  
Land Rights ◽  
Civil Code ◽  
Judicial Decision ◽  
Land Registration ◽  
The Status ◽  
The Law ◽  
Land Sale

Land is an important thing in the life of the Indonesian nation. One way to obtain land is through buying and selling. Sale and purchase of land rights as set forth in Government Regulation Number 24 of 1997 concerning Land Registration. the fulfillment of all requirements relating to the sale and purchase in the presence of a notary then found a legal breakthrough and up to now still be done in the practice of buying and selling land that is made with the deed of binding sale and purchase agreement (PPJB) although the contents have been set about the sale and purchase of land but the new format limited binding of sale and purchase is a form of agreement which is or can be regarded as preliminary agreement. This study is a type of normative legal research ie research where in which researchers review the study documents that use various secondary data such as judicial decision legislation, legal theory. Based on the results of research First Characteristics of land sale and purchase agreement with the status of petok D following the general provisions of the law of agreement as set forth in Article 1457 of the Civil Code. It's just that the object of sale and purchase of land with the status of petok D, then apply the procedure agreement by using provisions that are more specific that is based on Government Regulation No. 24 of 1997 on land registration. Second The effect of the law on the parties if one party has defaulted in the binding of the land sale and purchase agreement with the status of petok D according to the Civil Code is canceled so that it is made based on Government Regulation Number 24 of 1997 due to the seller can not fulfill its obligation.  Keywords : Sale and purchase land of petok D, binding sale and purchase agreement.          ABSTRAK Tanah adalah hal yang penting dalam kehidupan bangsa Indonesia. Salah  satu cara memperoleh tanah adalah melalui jual beli. Jual beli hak atas tanah seperti yang telah diatur dalam Peraturan Pemerintah Nomor 24 Tahun 1997 tentang Pendaftaran Tanah.pemenuhan terhadap semua persyaratan yang berkaitan dengan pelaksanaan jual beli di hadapan notaris maka ditemukan suatu terobosan hukum dan hingga kini masih dilakukan dalam praktek jual beli tanah yaitu dengan dibuatnya akta pengikatan perjanjian jual beli (PPJB) meskipun isinya sudah mengatur tentang jual beli tanah namun formatnya baru sebatas pengikatan jual beli yaitu suatu bentuk perjanjian yang merupakan atau dapat dikatakan sebagai perjanjian pendahuluan. Penelitian ini merupakan jenis penelitian hukum normatif yakni penelitian dimana didalamnya peneliti mengkaji studi dokumen yakni menggunakan berbagai data sekunder seperti perundang-undangan keputusan pengadilan, teori hukum. Berdasarkan hasil penelitian PertamaKarakteristik perjanjian jual beli tanah yang berstatus petok D mengikuti ketentuan umum hukum perjanjian sebagaimana yang telah diatur didalam Pasal 1457 KUHPerdata. Hanya saja obyek jual beli tanah berstatus petok D maka diberlakukan tata cara perjanjian dengan menggunakan ketentuan yang sifatnya lebih khusus yaitu berpedoman pada Peraturan Pemerintah Nomor 24 tahun 1997 tentang pendaftaran tanah.Kedua Akibat hukum terhadap para pihak apabila salah satu pihak melakukan wanprestasi dalam pengikatan perjanjian jual beli tanah yang berstatus petok D menurut KUHPerdata dibatalkan sehingga yang dibuat berdasarkan Peraturan Pemerintah Nomor 24 tahun 1997 akibat penjual tidak dapat memenuhi kewajibannya.Kata Kunci : Jual beli tanah petok D, Perjanjian Pengikatan jual beli.

scholarly journals EFEKTIVITAS UNDANG-UNDANG NOMOR 8 TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN TERHADAP JUAL BELI DENGAN SISTEM TRANSAKSI ELEKTRONIK (E-COMMERCE)

2019 ◽  
Vol 22 (2) ◽  
pp. 79-86
Author(s):  
Muhajir Akbar Hamsah
Keyword(s):  
Dispute Resolution ◽  
Legal Protection ◽  
Civil Code ◽  
Factors Affecting ◽  
Resolution Process ◽  
Dispute Resolution Process ◽  
Electronic Transactions ◽  
The Law ◽  
Process Factors

Legal protection to consumers by BPSK through means of mediation or conciliation or arbitration is made on the choice and consent of the parties concerned. Consumer dispute resolution is not a gradual dispute resolution process. Factors affecting the process of providing legal protection to the sale and purchase through electronic transactions are legal factors that still weaken the parties, especially the consumer, the requirement of the agreement in Article 1320 of the Civil Code can not be fulfilled in full, especially the matter of proficiency. The activities of the cyberspace can not be approached by conventional law size and classification alone, because if this method is taken too much difficulty and passes the enforcement of the law.  AbstrakPerlindungan hukum kepada konsumen oleh BPSK melalui mediasi atau konsiliasi atau arbitrasi dilakukan berdasarkan pilihan dan persetujuan dari pihak-pihak terkait. Resolusi perselisihan konsumen bukanlah proses penyelesaian perselisihan bertahap. Faktor-faktor yang mempengaruhi proses pemberian perlindungan hukum terhadap jual beli melalui transaksi elektronik adalah faktor hukum yang masih melemahkan para pihak, terutama konsumen, persyaratan perjanjian dalam Pasal 1320 KUHPerdata tidak dapat dipenuhi secara penuh, terutama soal kemahiran. Kegiatan dunia maya tidak dapat didekati dengan ukuran hukum konvensional dan klasifikasi saja, karena jika metode ini diambil terlalu banyak kesulitan dan melewati penegakan hukum.

scholarly journals EFEKTIVITAS UNDANG-UNDANG NOMOR 8 TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN TERHADAP JUAL BELI DENGAN SISTEM TRANSAKSI ELEKTRONIK (E-COMMERCE)

2019 ◽  
Vol 22 (2) ◽  
pp. 79-86
Author(s):  
Muhajir Akbar Hamsah
Keyword(s):  
Dispute Resolution ◽  
Legal Protection ◽  
Civil Code ◽  
Factors Affecting ◽  
Resolution Process ◽  
Dispute Resolution Process ◽  
Electronic Transactions ◽  
The Law ◽  
Process Factors

Legal protection to consumers by BPSK through means of mediation or conciliation or arbitration is made on the choice and consent of the parties concerned. Consumer dispute resolution is not a gradual dispute resolution process. Factors affecting the process of providing legal protection to the sale and purchase through electronic transactions are legal factors that still weaken the parties, especially the consumer, the requirement of the agreement in Article 1320 of the Civil Code can not be fulfilled in full, especially the matter of proficiency. The activities of the cyberspace can not be approached by conventional law size and classification alone, because if this method is taken too much difficulty and passes the enforcement of the law.  AbstrakPerlindungan hukum kepada konsumen oleh BPSK melalui mediasi atau konsiliasi atau arbitrasi dilakukan berdasarkan pilihan dan persetujuan dari pihak-pihak terkait. Resolusi perselisihan konsumen bukanlah proses penyelesaian perselisihan bertahap. Faktor-faktor yang mempengaruhi proses pemberian perlindungan hukum terhadap jual beli melalui transaksi elektronik adalah faktor hukum yang masih melemahkan para pihak, terutama konsumen, persyaratan perjanjian dalam Pasal 1320 KUHPerdata tidak dapat dipenuhi secara penuh, terutama soal kemahiran. Kegiatan dunia maya tidak dapat didekati dengan ukuran hukum konvensional dan klasifikasi saja, karena jika metode ini diambil terlalu banyak kesulitan dan melewati penegakan hukum.

scholarly journals KEDUDUKAN DAN KEKUATAN HUKUM MeMoranduM of understanding (Mou) SEBAGAI TAHAP PRAKONTRAK (KAJIAN DARI SISI HUKUM PERIKATAN)

2020 ◽  
Vol 8 (2) ◽  
pp. 173
Author(s):  
Devi Setiyaningsih ◽  
Ambar Budhisulistyawati
Keyword(s):  
Open System ◽  
Secondary Data ◽  
Contract Law ◽  
Civil Code ◽  
Normative Approach ◽  
Freedom Of Contract ◽  
Binding Force ◽  
The Law ◽  
Binding Power ◽  
Laws And Regulations

abstract<br />This article aimed to find out the MoU regulation according to Indonesian Law and the binding power of  MoU according to the law contract. This research employed juridical normative approach, emphasizing on literature to obtain secondary data from primary, secondary, and tertiary law materials. The results of the research that special arrangements regarding the MoU are not found in various laws and regulations in indonesia. The basis for the entry into force of the MoU in Indonesia is based on the principle of freedom of contract, as stipulated in Article 1338 of the Civil Code. In addition, it is also subject to the provisions concerning the contract in the Civil Code which basically adheres to an open system, which means that each person is free to enter into an agreement, both which has been regulated in the Law and which has not been regulated in the Law.<br />Keyword: Position; Binding force; Memorandum of Understanding; Contract Law<br /><br />Abstrak<br />Artikel ini ditulis dengan tujuan untuk mengetahui bagaimana pengaturan Memorandum of Understanding  (MoU) menurut hukum di Indonesia serta kekuatan mengikat MoU menurut hukum perikatan. Penelitian ini menggunakan pendekatan yuridis normatif yaitu menitikberatkan pada sumber kepustakaan untuk memperoleh data sekunder dari bahan hukum primer, bahan hukum sekunder, dan bahan hukum tersier. Hasil penelitian menunjukkan bahwa pengaturan khusus mengenai MoU tidak ditemukan di dalam berbagai peraturan perundang-undangan di Indonesia. Adapun dasar berlakunya MoU di Indonesia adalah didasarkan pada asas kebebasan berkontrak, sebagaimana diatur dalam Pasal 1338 KUHPerdata. Selain itu juga tunduk pada ketentuan tentang perikatan yang ada dalam KUH Perdata yang pada dasarnya menganut sistem terbuka, yaitu berarti setiap orang bebas mengadakan perjanjian, baik yang telah diatur dalam Undang-Undang maupun yang belum diatur dalam Undang-Undang.<br />Kata Kunci: Kedudukan; Kekuatan Mengikat; Memorandum of Understanding; Hukum Perikatan

scholarly journals Reformulasi Sanksi Pidana Pencemaran Nama Baik Melalui Media Online

2019 ◽  
Vol 21 (2) ◽  
pp. 327-338
Author(s):  
Rahmat Fadli ◽  
Mohd. Din ◽  
Mujibussalim Mujibussalim
Keyword(s):  
Research Method ◽  
Legal Protection ◽  
Online Media ◽  
Criminal Sanctions ◽  
Electronic Transactions ◽  
The Law ◽  
Sense Of Justice

Penelitian ini bertujuan untuk mengkaji perlindungan hukum terhadap korban pencemaran nama baik melalui media online dan menjelaskan pemenuhan restitusi yang seharusnya diterima korban pencemaran nama baik melalui media online. Pencemaran nama baik merupakan perbuatan melawan hukum, dikarenakan telah menyerang kehormatan atau nama baik seseorang. Rumusan tindak pidana pencemaran nama baik melalui media online diatur dalam Pasal 27 ayat (3) Undang-Undang Infomasi dan Transaksi Elektronik. Sanksi pidananya diatur dalam Pasal 45 ayat (3) Undang-Undang ini. Dalam Undang-Undang ini belum diatur sanksi pidana yang berbentuk restitusi, sehingga kurang melindungi korban pencemaran nama baik melalui media online. Metode penelitian ini adalah yuridis normatif dengan menggunakan bahan hukum primer, sekunder, dan tersier, Berdasarkan hasil penelitian ditemukan bahwa ancaman pidana pada Pasal 45 ayat (3) Undang-Undang Infomasi dan Transaksi Elektronik belum memenuhi rasa keadilan dan memberi manfaat kepada korban. Karena pada pasal ini belum mengatur sanksi pidana yang bersifat ganti rugi terhadap korban. Reformulation of  Criminal Sanctions on Defamation Through Online Media This study aims to examine the legal protection of victims of defamation through online media and explain the fulfillment of restitution that should be received by victims. Defamation is an act against the law, because it has attacked someone's honor or reputation. The formulation of criminal defamation through online media is regulated in Article 27 paragraph (3) of the Information and Electronic Transactions Law. The criminal sanctions are regulated in Article 45 paragraph (3). This law has not yet regulated criminal sanctions in the form of restitution, so it does not protect victims of defamation through online media. The research method is a normative juridical by using primary, secondary, and tertiary legal materials. The results found that the criminal threat in Article 45 paragraph (3) of the Law on Information and Electronic Transaction had not fulfilled a sense of justice and benefited for victims. It is because this article does not yet regulate criminal sanctions that are compensation for the victim.

scholarly journals Juridical Review Of Nominee Agreement In Land Of Tenure Property Rights Under The Book Of Civil Law And Agraria

Jurnal Akta ◽  
2018 ◽  
Vol 5 (2) ◽  
pp. 441
Author(s):  
Indah Esti Cahyani ◽  
Aryani Witasari
Keyword(s):  
Property Rights ◽  
Legal System ◽  
Civil Law ◽  
Civil Code ◽  
Good Faith ◽  
Freedom Of Contract ◽  
Related Statement ◽  
The Subject ◽  
The Law ◽  
Legal Consequences

Nominee agreement is an agreement made between someone who by law can not be the subject of rights to certain lands (property rights), in this case that foreigners (WNA) and Indonesian Citizen (citizen), with the intention that the foreigners can master land de facto property rights, but legal-formal (de jure) land property rights are assigned to his Indonesian citizen. The purpose of this paper isto assess the position of the nominee agreement in Indonesia's legal system and the legal consequences arising in terms of the draft Civil Code and the Law on Agrarian. Agreement is an agreement unnamed nominee made based on the principle of freedom of contract and good faith of the parties. However, it should be noted that the law prohibits foreigners make agreements / related statement stock wealth / property (land) for and on behalf of others, sehingga the legal consequences of the agreement is the nominee of the agreement is not legally enforceable because the agreement was made on a false causa.Keywords: Nominee Agreement; Property Rights; Foreigners.

scholarly journals MODERN LEGISLATION REGULATING STATUS OF LEGAL ENTITY

THE BULLETIN ◽  
2021 ◽  
Vol 2 (390) ◽  
pp. 250-255
Author(s):  
K. S. Zhylkichieva ◽  
A. A. Kalybaeva ◽  
G. Zh. Koshokova
Keyword(s):  
Civil Law ◽  
Criminal Code ◽  
Civil Code ◽  
Kyrgyz Republic ◽  
Legal Entity ◽  
Analysis And Synthesis ◽  
The Status ◽  
The Law ◽  
General Regulation ◽  
Legal Entities

The article analyzes using the normative and systematic methods, as well as analysis and synthesis, the content of the statements of Constitution of the Kyrgyz Republic, Civil Code of the Kyrgyz Republic, Criminal Code of the Kyrgyz Republic, the Law of the Kyrgyz Republic «About Normative Legal Acts of the Kyrgyz Republic», the Law of the Kyrgyz Republic «On the Regulations of the Jogorku Kenesh of the Kyrgyz Republic» and the works of the legal scholars. It examined the provisions of laws adopted for general regulation and concludes they are serious problems, because of them there is a "blurring" of the contour of the legislation on legal entities in the article. The publication supports the opinion of the authors of the Concept for Development, according to which the regulation of the status of legal entities in the civil legal field can be characterized by a set of the laws and regula-tions in force in the Kyrgyz Republic, which do not always correspond to each other, as well as to the Civil Code. The low legal and technical level and ineffectiveness in practice are also shown by some adopted laws. It noted the Civil Code of the Kyrgyz Republic, adopted on May 8, 1996, created the new foundation for the regulation of legal entities, which was supplemented by many new laws over the next decades in the article. The authors come to the conclusion the fairly honest assessment can be applied to the established regulation – that with the main vector of development of the Concept of Civil Legislation in Kyrgyzstan, in general, there is an economic, social and well-grounded the logic and generally justifiable modern civil law in relation to legal entities. But at the same time, for many problems, correct solutions have not yet been found and no efficiency ratings have been given.

scholarly journals Autentikasi Akad Pembiayaan pada Perbankan Syariah dalam Penggunaan Lafadz Basmallah

2020 ◽  
Vol 3 (1) ◽  
pp. 85-105
Author(s):  
Indah Parmitasari
Keyword(s):  
Civil Code ◽  
Islamic Banking ◽  
Public Official ◽  
The Status ◽  
The Law ◽  
Made In

This article seeks to discuss the authentication of financing contracts in Islamic banking in the use of lafadz basmallah. The problem discussed is how to authenticate the financing contract deed in Islamic banking in the use of lafadz basmallah. Every financing activity in Islamic banking is made in a contract, to get certainty and strength of perfect proof, the bank wants the contract to be made in an authentic deed. An authentic deed is a deed made by or in the presence of an authorized official for that purpose is made according to the provisions of the law. Notary as the official in charge of making the deed is guided by Article 38 of the Notary Position Law. A deed must fulfill the provisions of Article 1868 of the Civil Code, which is made by and or before an authorized official, and made a public official who has the authority. The notary is authorized as long as the certificate, person, place and time of the deed are made. This article concludes that the financing contract deed in Islamic banking that contains lafadz basmallah at the beginning of the deed does not meet the requirements of Article 1868 of the Civil Code, because it violates the provisions of Article 38 of the Notary Position Law so that the status of the act is degraded into a deed under the hand. Abstrak Artikel ini membahas tentang autentikasi akad pembiayaan pada perbankan syariah dalam penggunaan lafadz basmallah. Permasalahan yang dibahas adalah bagaimana keautentikan akta akad pembiayaan pada perbankan syariah dalam penggunaan lafadz basmallah. Setiap kegiatan pembiayaan dalam perbankan syariah dibuat dalam suatu akad, guna mendapatkan kepastian dan kekuatan pembuktian yang kuat, bank menghendaki akad dibuat dalam bentuk akta autentik. Akta autentik adalah akta yang dibuat oleh atau di hadapan pejabat yang berwenang untuk itu sesuai dengan ketentuan undang-undang. Notaris sebagai pejabat yang berwenang dalam membuat akta berpedoman pada Pasal 38 Undang-Undang Jabatan Notaris tentang bentuk akta. Suatu akta harus memenuhi ketentuan Pasal 1868 KUH Perdata, yaitu dibuat oleh dan atau di hadapan pejabat yang berwenang, dibuat menurut ketentuan undang-undang. Notaris berwenang sepanjang mengenai aktanya, orangnya, tempat dan waktunya akta dibuat. Artikel ini menyimpulkan bahwa akta akad pembiayaan pada perbankan syariah yang memuat lafadz basmallah pada awal akta kedudukannya bukan lagi sebagai akta autentik tetapi terdegradasi menjadi akta di bawah tangan, karena syarat otentisitas Pasal 1868 KUH Perdata tidak terpenuhi, yaitu syarat formalitas sesuai Pasal 38 Undang-Undang Jabatan Notaris Perubahan.

scholarly journals PERLINDUNGAN HUKUM BAGI KREDITUR PEMEGANG HAK TANGGUNGAN TERHADAP SENGKETA AGUNAN YANG MENGAKIBATKAN BATALNYA PERJANJIAN KREDIT

2018 ◽  
Vol 1 (1) ◽  
pp. 26
Author(s):  
Fransisca Kusuma Aryani ◽  
Gunawan Djajaputra
Keyword(s):  
Legal Protection ◽  
Civil Code ◽  
The Other ◽  
Third Party ◽  
District Court ◽  
Good People ◽  
Warning Letter ◽  
The Law ◽  
Debt Repayment ◽  
Credit Agreement

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.

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