AKIBAT HUKUM KELALAIAN KREDITUR DALAM MELAKUKAN ROYA ATAS JAMINAN FIDUSIA

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

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

scholarly journals PERLINDUNGAN HUKUM KREDITUR TERHADAP PELAKSANAAN EKSEKUSI HAK TANGGUNGAN (Analisis Putusan Mahkamah Agung Republik Indonesia Nomor 2859K/PDT/2011)

2018 ◽  
Vol 8 (2) ◽  
pp. 117
Author(s):  
Lutfi Walidani ◽  
Habib Adjie
Keyword(s):  
Supreme Court ◽  
Legal Protection ◽  
Legal Research ◽  
Ratio Decidendi ◽  
The Law ◽  
Credit Agreement

<p>Hak Tanggungan dalam perjanjian kredit mempunyai fungsi untuk memberikan rasa aman bagi kreditur apabila terjadi wanprestasi oleh debitur melalui eksekusi Hak Tanggungan. Namun upaya hukum dari debitur berupa gugatan agar pelaksanaan lelang eksekusi ditangguhkan dan permohonan restrukturisasi kredit menimbulkan permasalahan baru. </p><p>Penulis dalam penelitian ini ingin menelaah dan menganalisa lebih lanjut tentang upaya hukum debitur untuk menangguhkan pelaksanaan eksekusi hak tanggungan dan <em>ratio decidendi</em> Putusan Mahkamah Agung Republik Indonesia Nomor 2859K/PDT/2011.</p><p>Metode penelitian yang digunakan adalah penelitian hukum normatif, yaitu penelitian hukum yang dilakukan dengan cara meneliti bahan pustaka atau bahan hukum sekunder sedangkan pendekatan masalah dilakukan dengan menggunakan pendekatan undang-undang dan pendekatan konseptual.</p><p>Hasil penelitian menunjukkan bahwa debitur hanya dapat mengajukan gugatan penangguhan lelang eksekusi hak tanggungan apabila didasarkan pada adanya cacat hukum pada perjanjian kredit atau hutang piutang atau perjanjian pengikatan hak tanggungan. Tidak adanya restrukturisasi pinjaman tidak dapat dijadikan alasan untuk menunda eksekusi hak tanggugan.</p><p><em>Mortgage within credit agreement plays role as warrant to provide secure for creditor when contract default is happened. Mortgage is conducted through execution of mortgage rights. Nevertheless, legal effort from debtor in form of suit to suspend the auction of mortgage coupled with restructuring of the credit stimulate new.</em><em></em></p><p><em>The present research tries to elaborate and examine further about legal protection of debtor in suspending execution of mortgage. Moreover, the present study also tries to study </em><em>ratio decidendi</em><em>of Indonesian Supreme Court No </em><em>2859K/PDT/2011.</em></p><p><em>The method used in the present study is a normative legal research, namely legal research which is conducted by examining the library materials or secondary law while in finding and collecting the data is done by two approaches, namely the law and conceptual approaches. </em></p><p><em>The present study shows that debtor able to propose suspension of mortgage auction when there is some defect within the credit agreement. The absence of credit restructuring can be used as justification to suspend or delay execution of mortgage rights.  </em><em></em></p>

scholarly journals Perlindungan Hukum Kreditur Terhadap Pelaksanaan Eksekusi Hak Tanggungan (Analisis Putusan Mahkamah Agung Republik Indonesia Nomor 2859K/PDT/2011)

2018 ◽  
Vol 8 (2) ◽  
pp. 117
Author(s):  
Lutfi Walidani ◽  
Habib Adjie
Keyword(s):  
Supreme Court ◽  
Legal Protection ◽  
Legal Research ◽  
Ratio Decidendi ◽  
The Law ◽  
Credit Agreement

<p>Hak Tanggungan dalam perjanjian kredit mempunyai fungsi untuk memberikan rasa aman bagi kreditur apabila terjadi wanprestasi oleh debitur melalui eksekusi Hak Tanggungan. Namun upaya hukum dari debitur berupa gugatan agar pelaksanaan lelang eksekusi ditangguhkan dan permohonan restrukturisasi kredit menimbulkan permasalahan baru. Penulis dalam penelitian ini ingin menelaah dan menganalisa lebih lanjut tentang upaya hukum debitur untuk menangguhkan pelaksanaan eksekusi hak tanggungan dan <em>ratio decidendi</em> Putusan Mahkamah Agung Republik Indonesia Nomor 2859K/PDT/2011. Metode penelitian yang digunakan adalah penelitian hukum normatif, yaitu penelitian hukum yang dilakukan dengan cara meneliti bahan pustaka atau bahan hukum sekunder sedangkan pendekatan masalah dilakukan dengan menggunakan pendekatan undang-undang dan pendekatan konseptual. Hasil penelitian menunjukkan bahwa debitur hanya dapat mengajukan gugatan penangguhan lelang eksekusi hak tanggungan apabila didasarkan pada adanya cacat hukum pada perjanjian kredit atau hutang piutang atau perjanjian pengikatan hak tanggungan. Tidak adanya restrukturisasi pinjaman tidak dapat dijadikan alasan untuk menunda eksekusi hak tanggugan.</p><p><em>Mortgage within credit agreement plays role as warrant to provide secure for creditor when contract default is happened. Mortgage is conducted through execution of mortgage rights. Nevertheless, legal effort from debtor in form of suit to suspend the auction of mortgage coupled with restructuring of the credit stimulate new.</em><em> </em><em>The present research tries to elaborate and examine further about legal protection of debtor in suspending execution of mortgage. Moreover, the present study also tries to study </em><em>ratio decidendi</em><em>of Indonesian Supreme Court No </em><em>2859K/PDT/2011. The method used in the present study is a normative legal research, namely legal research which is conducted by examining the library materials or secondary law while in finding and collecting the data is done by two approaches, namely the law and conceptual approaches. </em><em>The present study shows that debtor able to propose suspension of mortgage auction when there is some defect within the credit agreement. The absence of credit restructuring can be used as justification to suspend or delay execution of mortgage rights.  </em><em></em></p>

scholarly journals Tanggung Jawab Direksi Terhadap Perbuatan Melawan Hukum Atas Akta Perjanjian Kredit

2021 ◽  
Vol 3 (3) ◽  
pp. 1338-1346
Author(s):  
Nirwana Resti ◽  
Ahmad Fauzi ◽  
Masitah Pohan
Keyword(s):  
General Meeting ◽  
Legal Research ◽  
Commercial Law ◽  
Legal Norms ◽  
The Public ◽  
Is Research ◽  
The Board Of Directors ◽  
The Law ◽  
Notary Public ◽  
Credit Agreement

While the loan-receivable agreement is generally used by the public and is not related to the bank.This type of research is normative legal research. What is meant by juridical normative research is research used to study the application of legal norms or norms. Regulations Regarding Responsibility for Acts Against the Law on Credit Agreement Deeds, which are carried out by the board of directors are regulated in Article 1365 of the Civil Code regarding Acts Against the Law, the Code of Commercial Law, namely PT Regulations in the KUHD described in articles 36 to 56. The further discussion regarding PT as a legal entity is regulated in Law Number 40 of 2007, Article 1 point 2, namely the general meeting of shareholders, directors and commissioners who have their respective functions and duties as well as authority. And Article 52 of Law Number 30 of 2004 concerning the Position of Notary Public.

scholarly journals PERJANJIAN BELI KEMBALI (BUY BACK GUARANTEE) YANG DIBUAT ANTARA PENGEMBANG DAN BANK DALAM PENYELESAIAN MASALAH KREDIT MACET

2017 ◽  
Vol 1 (2) ◽  
Author(s):  
Retno Wahyurini Dominika
Keyword(s):  
Home Ownership ◽  
Legal Protection ◽  
Legal Research ◽  
Cooperation Agreement ◽  
Theory Of Justice ◽  
Legal Relationship ◽  
The Law ◽  
Credit Agreement ◽  
Entire Amount ◽  
Buy Back

The type of research used in this study is normative legal research, which according to Peter Mahmud Marzuki, "Legal research is a study that analyzes the factual situation and applies the legal doctrines that have been formed. Relying on the theory of justice and the protection of the law, the principle of the law of guarantee does not abandon the principle of principle in the Agreement theory and the implementation of the prudential principle in the banking world which underlies the emergence of buy back guarantee. This study further considers developer interest and practice in the field the notary to analyze the form of legal relationship and accountability between Debtor, Bank, and Developer which is subject to the buyback guarantee to be able to provide legal protection for the developer in case of retrieving object Guarantee. Finally in this study the authors conclude that the relationship between the Bank with the debtor/buyer who made the purchase of housing units with credit facilities Home Ownership of the Bank is regulated in a credit agreement with a guarantee with accountability Banks provide mortgage facilities and borrowers are obliged to pay installments, while the legal relationship between banks With the developer arranged in a buy back guarantee agreement, whereby the bank and the developer have entered into and signed a cooperation agreement stipulating that the developer is fully responsible and binding itself as a guarantor for the payment of the entire amount owed by the debtor/ buyer to the bank if the debtor/ buyer has Neglect obligations to the bank, then between the developer and the debtor / buyer the legal relationship arising is through the subrogation institution, where the payment of the debtor / purchaser's debt by the developer to the bank raises the subrogation or the change of the debtor's rights (A bank) by a third (developer) who pays the debtor (the bank) therefore as a form of legal protection for the developer to retrieve the collateral object if the developer executes the contents of the buy back guarantee, is the Subrogation DeedKeywords: Buy Back guarantee, Developer, Subrogation

Peran Notaris/PPAT Dalam Pembuatan Surat Kuasa Membebankan Hak Tanggungan Dalam Perjanjian Kredit Pemilikan Rumah (Studi Di Pt. Bank Tabungan Negara Tbk. Cabang Cirebon)

Jurnal Akta ◽  
2018 ◽  
Vol 5 (1) ◽  
pp. 1
Author(s):  
Yusup Sugiarto ◽  
Gunarto Gunarto
Keyword(s):  
Descriptive Analysis ◽  
Civil Law ◽  
Power Of Attorney ◽  
The Law ◽  
Credit Agreement

ABSTRAKKebutuhan akan lembaga notariat tidak terlepas dari kebutuhan akan perlunya pembuktian tertulis dalam lapangan hukum perdata. Mengingat keadaan ini maka notaris tidak saja berperan sebagai orang yang membuat alat bukti autentik namun juga sebagai penemu hukum. Notaris dalam profesinya sesungguhnya merupakan instansi yang dengan akta-aktanya menimbulkan alat-alat pembuktian tertulis dengan mempunyai sifat autentik. Penelitian ini bertujuan untuk menganalisis pelaksanaan penandatanganan akta notaris dalam pembuatan SKMHT dan akibat hukum penandatanganan akta SKMHT oleh penerima kuasa tidak di hadapan notaris dalam perjanjian kredit pemilikan rumah. Metode yang digunakan dalam penelitian ini adalah pendekatan yuridis normatif, sedangkan sifat dari penelitiannya sendiri bersifat deskriptif analisis. Penandatanganan akta notaris oleh penerima kuasa dalam akta SKMHT dimungkinkan untuk dilakukan tidak di hadapan notaris, karena lazimnya suatu akta SKMHT ada kaitannya dengan akta perjanjian kredit yang telah dibuat terlebih dahulu oleh para pihak. Akibat hukumnya penerima kuasa dalam akta SKMHT menjadi terikat untuk mematuhi ketentuan-ketentuan yang ada dalam SKMHT.Kata kunci: notaris, akta, perdata, kredit, perjanjian. ABSTRACTThe need for notarial institutions is inseparable from the need for the necessity of verification in the field of civil law. In view of this situation the notary not only plays the role of the person who makes authentic evidence but also the inventor of the law. Notary in his profession is in fact an institution which with its deeds evokes written proof means with authentic nature. This study aims to analyse the execution of the signing of notary deed in the making of SKMHT and the effect of the signing of SKMHT deed by the power of attorney not before the notary in the mortgage agreement. The method used in this study is the normative juridical approach, while the nature of the research itself is descriptive analysis. The signing of notarial deed by the power of attorney in the deed of SKMHT is possible to be done not in the presence of a notary, because usually a deed of SKMHT is related to the credit agreement which has been made beforehand by the parties. As a result of the law the power of attorney in the SKMHT deed becomes bound to comply with the provisions contained in SKMHT.Keywords: notary, deed, civil, credit, agreement.

b

2019 ◽  
Author(s):  
Rizal Arya Wibowo
Keyword(s):  
Corporate Crime ◽  
Field Research ◽  
Legal Research ◽  
The Law

The company is related to things that occur after the law that is related to corporate crime. The purpose of the discussion of this article is to find out about prison sentences imposed on corporations, detention and settlement of corporate criminal acts. The type of legal research conducted is a type of normative legal research that examines literature sources without conducting field research. The conclusion of this article is that it can be fined, approved and finalized.

scholarly journals Visit to the Faculty of Law in the University of Jos, Nigeria

2007 ◽  
Vol 7 (1) ◽  
pp. 17-19 ◽  
Author(s):  
Gerry Power
Keyword(s):  
The Internet ◽  
Legal Research ◽  
Legal Professionals ◽  
Law Faculty ◽  
The Law ◽  
The University

Gerry Power was invited to go to the University of Jos in April 2006 to present workshops to the Law Faculty and other interested legal professionals on using the internet for legal research. He writes about his experiences in dealing with running online workshops whilst coping with electricity shortages and the incredible experience of Nigeria!

LEGAL PROTECTION FOR ILLEGAL INDONESIAN WORKER IN MALAYSIA

2021 ◽  
Vol 1 (4) ◽  
Author(s):  
Asnu Fayakun Arohmi
Keyword(s):  
Migrant Workers ◽  
Migrant Worker ◽  
Legal Protection ◽  
Legal Research ◽  
State Budget ◽  
Indonesian Government ◽  
Secondary Sources ◽  
The Law

This research examines the legal protection provided for illegal Indonesian workers in Malaysia and the obstacles to perform it. Malaysia are the largest number compared to another country in Asia in receiving migrant workers from Indonesia. In total there are 73.178 migrant workers. A large number of Indonesian migrant workers is caused by the lack of jobs vacancy in the country, so citizens look for a job abroad. The requirements to become Indonesian migrant workers are not easy, therefore many of them went abroad illegally. Illegal Indonesian workers often get inhuman treatment. Indonesian goverment should protect every citizen, even though they are illegal workers, since they are still Indonesian citizen. This paper is based on normative-empirical legal research with the data obtained from interviews, as well as from secondary sources provided in laws governing these matters, journals or from trusted sites of internet. The results of this study show that: first, the Law No. 18 of 2017 on Protection of Migrant Worker does not differentiate the protection for illegal and legal Indonesian migrant workers. Second, there are two obstacles faced by the Indonesian government: lack of data regarding the illegal Indonesian workers and lack of state budget to handle the protection of illegal Indonesian workers.

Pola Penyelesaian Sengketa Waralaba Produk Teh Poci Di Ponorogo

2021 ◽  
Vol 1 (1) ◽  
pp. 29-40
Author(s):  
Haris Djayadi
Keyword(s):  
Dispute Resolution ◽  
Code Of Conduct ◽  
Legal Research ◽  
Existing Problems ◽  
Minimum Standards ◽  
Complaint Handling ◽  
The Law ◽  
The Ideal

The purpose of this study is first to find out the pattern of dispute resolution in the franchise practice of Teh Poci, the second is to describe what the ideal pattern should be. In accordance with the characteristics of the existing problems, the most relevant form of approach to analyzing the above problems is empirical legal research. This research sees law as a reality in society, meaning how the law is practiced. The settlement of default on the agreement in the Tea Poci product franchise business in Ponorogo is the cancellation of the contract as a result of default and is settled on the principle of peace, namely by consulting and negotiation techniques. Ideally, under such a mechanism the franchisor should develop an internal procedure for handling complaints. However, this procedure is not stipulated in the franchise agreement and meets certain minimum standards. This standard should provide a procedure for resolving disputes. If a dispute arises, either party can initiate a complaint handling procedure under the Code of Conduct, or under a franchise agreement.Tujuan dari penelitian ini adalah pertama untuk mengetahui pola penyelesaian sengketa dalam praktek waralaba Teh Poci, kedua untuk mendeskripsikan pola yang ideal yang seharusnya. Sesuai dengan karakteristik permasalahan yang ada, bentuk pendekatan yang paling relevan untuk menganalisis permasalahan di atas adalah penelitian hukum empiris. Penelitian ini melihat hukum sebagai realitas dalam masyarakat, artinya bagaimana hukum itu dipraktikkan. Penyelesaian wanprestasi atas kesepakatan dalam usaha waralaba produk Teh Poci di Ponorogo adalah batalnya akad akibat wanprestasi dan diselesaikan dengan prinsip damai yaitu dengan teknik konsultasi dan negosiasi. Idealnya, di bawah mekanisme seperti itu pemilik waralaba harus mengembangkan prosedur internal untuk menangani keluhan. Namun, prosedur ini tidak diatur dalam perjanjian waralaba dan memenuhi standar minimum tertentu. Standar ini harus menyediakan prosedur untuk menyelesaikan perselisihan. Jika timbul perselisihan, salah satu pihak dapat memulai prosedur penanganan keluhan berdasarkan Kode Etik, atau berdasarkan perjanjian waralaba.

The Law Enforcement Weakness of Songs and Musics Copyright Crimes

2021 ◽  
Vol 3 (1) ◽  
pp. 139-154
Author(s):  
Edi Tuahta Putra Saragih ◽  
Muhammad Citra Ramadhan ◽  
Isnaini Isnaini
Keyword(s):  
Law Enforcement ◽  
Research Method ◽  
Copyright Infringement ◽  
Copyright Law ◽  
Cultural Factor ◽  
Legal Research ◽  
The Real ◽  
The Law ◽  
Real Picture

This research aimed to: (a) obtain the forms of copyright infringement of songs and/or music (with or without lyrics); (b) understand the role of the police, in this case the Police Precinct, in the law enforcement; (c) identify the factors that influenced the law enforcement. The research method used the normative-empirical legal research, with the initial stages of specifying norms in order to get the proper picture, and then specifying empirical events in order to get the real picture. The research results showed several matters: 1) The forms of copyright infringement of songs and/or music (with or without lyrics) found included: the distribution of the works or the copies, the performances of the works, and the announcements of the works; 2) Police Precinct did notultimately carry out their role as a law enforcer for the copyright infringement of songs and/or music (with or without lyrics); and 3) The factors that influenced the law enforcement on the copyright infringement of songs and/or music (with or without lyrics), namely: legislation factor, in the matter of complaint offenses; law enforcement factor, in terms of the capacity of members; less supportive factor of facilities and infrastructure; legal awareness factor, in the problem of the lack of legal counseling; and cultural factor, related to the differences in norms in the copyright law between those in society and those in regulations. 

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