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Penyelesaian Kredit Bermasalah Penyelesaian Kredit Bermasalah dalam Penggunaan Surat Keputusan (SK) Perangkat Desa sebagai Jaminan Kredit di Bank Pembangunan Daerah Bali di Kabupaten Badung Ni Luh Putu Putri Prami Dewi; I Nyoman Budiana
Jurnal Pendidikan Tambusai Vol. 6 No. 2 (2022): Agustus 2022
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (120.568 KB) | DOI: 10.31004/jptam.v6i2.4712

Abstract

Bank BPD Bali merupakan bank pemerintah provinsi bali yang menghimpun dana dari masyarakat dan menyalurkan kembali dalam bentuk kredit. Bank BPD Bali memiliki produk kredit yaitu kredit produktif yang diperuntukkan bagi debitur yang memiliki usaha dagang dan produk kredit konsumtif diperuntukkan bagi debitur perorangan yang berpenghasilan tetap dan berpenghasilan tidak tetap, yang sumber pengembalian kreditnya berasal dari gaji atau penghasilan usahanya. Pinjaman kredit perlu adanya suatu jaminan kredit yang berfungsi untuk menjamin kepastian akan pelunasan utang nasabah terhadap bank. Jaminan dapat berupa benda bergerak seperti kendaraan bermotor yang dilengkapi dengan STNK (surat Tanda Nomor Kendaraan), BPKB (Buku Pemilik Kendaraan Bermotor) dan jaminan benda tidak bergerak seperti Tanah atau bangunan yang dilengkapi dengan Surat Hak Milik serta surat-surat sah lainnya. Surat Keputusan (SK) Perangkat Desa merupakam jaminan benda tidak bergerak yang memiliki nilai ekonomis sehingga dapat dipergunakan sebagai jaminan kredit di Bank BPD Bali serta sebagai dasar hukum dalam penerimaan upah atau gaji setiap bulannya. Kendala yang dialami dalam penggunaan jaminan Surat Keputusan (SK) dikarenakan tidak bisa diperjual belikan seperti jaminan lain pada umumnya ketika terjadi kredit bermaslaah. Tujuan dari penelitian ini adalah untuk menganalisis prosedur pemberian kredit dengan jaminan Surat Keputusan (SK) Perangkat Desa dan untuk menganalisis faktor-faktor penyebab kredi bermasalah dan penyelesaian kredit bermasalah di Bank BPD Bali. Metode penelitian yang digunakan yaitu menggunakan pendekatan yuridis empiris yang menganalisis berdasarkan fenomena terjadinya kredit bermasalah dalam penggunaan jaminan Surat Keputusan (SK) dan berpedoman pada teori keadilan dan teori penyelesaian sengketa yang berkaitan dengan fenomena tersebut. Penelitian ini dilakukan di Cabang Pembantu (Capem) Bank BPD Bali di Kabupaten Badung dan Kantor Desa di Kabupaten Badung. Hasil penelitian yang didapatkan yaitu penyelesaian kredit bermasalah dengan penggunaan jaminan Surat Keputusan (SK) di Bank Pembangunan Daerah Bali serta dalam pemberian kredit perlu adanya monitoring langsung kepada perangkat desa yang mengalami kendala dalam pembayaran dikarenakan adanya faktor internal dan eksternal seperti force mejure wabah covid-19 yang mempengaruhi pendapatan Perangkat Desa dan adanya keterlambatan pembayaran upah yang menyebakan Perangkat Desa megalami kendala dalam pemenuhan prestasinya.
Fighting Hoax and Hate Speech by Strengthening The Spirit of Pancasila in Preventing Disintegration of The Nation I Nyoman Budiana; I Made Warta
Sociological Jurisprudence Journal Vol. 2 No. 2 (2019)
Publisher : Fakultas Hukum, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/scj.2.2.1195.101-107

Abstract

The notion of democracy is used by most of the countries in the world as a foundation in managing the country, it is also the choice of Indonesia after the reformation period in 1998 as stated in the amendment of the 1945 Constitution. Through democracy, people can control the government administration so that the government does not act arbitrarily. With democracy, people are also given the opportunity to participate in all aspects of development, guaranteed the freedom of association / assembly to express opinions on various matters in the government administration in accordance with the constitutional corridor. In practice, after 2 (two) decades of reformation, freedom in democracy has become an act that exceeds the limit. In the national life order in Indonesia today, there have been various hoaxes (false information), utterances of hatred on social media, anarchic behavior occurring in various places, even radicalism movements which allegedly want to destroy the ideology of Pancasila and replace it with other ideologies. In this study, there are two problems that will be discussed, namely legal policy in the prohibition of hoaxes and hate speech and the ideology of Pancasila in the prevention of hoaxes and hate speeches. Legal policies in the prohibition of hoax and hate speech are regulated in Article 28 paragraph (1) of Law Number 11 Year 2008 concerning Information and Electronic Transactions. Prohibition of hoaxes and hate speeches is also carried out in various laws and regulations in other countries. Hoaxes and hate speeches threaten the integrity of Indonesia. Therefore, to guard and care for the Republic of Indonesia to remain based on the ideology of Pancasila, the nation's commitment to defend Pancasila as a state ideology must be able to actualize the noble values contained in the principles of Pancasila in life as well as possible and committed to fight hoax, utterances of hatred, anarchic actions and radicalism by strengthening the spirit of Pancasila for every Indonesian person and encouraging various government agencies to uphold the concept of the rule of law in preventing the disintegration of the nation.
Researching Social Change in Bali Indigenous Marriage Private I Nyoman Budiana; Made Oka Cahyadi Wiguna
Sociological Jurisprudence Journal Vol. 4 No. 2 (2021)
Publisher : Fakultas Hukum, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/scj.4.2.2021.75-85

Abstract

This article wants to understand and analyze the phenomenon of Balinese customary life arrangements related to changes in marital procedures. To be able to produce accurate findings, social phenomena are examined in detail and in-depth through qualitative research, with a phenomenological paradigm. With this paradigm the results are obtained in the form of empirical data and in-depth understanding relating to variations in categories, properties, and attributes related to the changing phenomena of cultural traditions and adat ngerorod marriage. In detail the findings generated that in social reality, the indigenous Balinese have constructed changes in the pattern of marriage from the way of ngerorod or selarian (running together) to switch to the memadik or propose, because the pattern of memadik or ask is seen to better reflect equality and justice in society. The rationale that drives is the existence of a reaction to discriminatory customary norms; innovative faith-based constructive thinking; increasing the level of education and parental-bilateral kinship thinking. Memadik marriage by means of marriage or marriage, implies a marriage as a result of the construction of modern society.
Implementing the Authority of the State’s Attorney in Legal Assistance in Handling Covid-19 in Denpasar City I Nyoman Budiana; Leo Liusiana
Sociological Jurisprudence Journal Vol. 6 No. 1 (2023)
Publisher : Fakultas Hukum, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/scj.6.1.2023.22-32

Abstract

The emergence of a disease outbreak, namely Corona Virus Disease 2019 (Covid-19) in most countries in the world, has caused various problems, not only in the health sector but also in the economic, political and socio-cultural fields. This study aims to analyze the attorney’s authority in providing legal assistance and examine various factors that support and hinder the handling of Covid 19 in Denpasar City. The research design used is a normative juridical approach with a statutory law approach, an analytical and conceptual approach and several facts collected from informants as support and qualitative descriptive juridical analysis was used to obtain adequate and accurate results. The result shows that the implementation of legal assistance to policies in the framework of accelerating the handling of Covid 19 and the National Economic Recovery program by the State’s Attorney of Denpasar District Attorney was carried out well and effectively. The factors that support the implementation of the legal assistance are the clarity of the legal basis used by the prosecutor’s office in carrying out its functions and the fast and active response from the applicant, namely some agencies in Denpasar City. While the inhibiting factors include the reporting process provided by the applicant to the attorney’s office is still slow, the limited number of members of the State’s Attorney with authority as public prosecutors must continue to be carried out within the framework of law enforcement.
JURIDICAL ANALYSIS ON THE LEGAL CHOICE CLAUSE AND DISPUTE SETTLEMENT IN THE FRANCHISE AGREEMENT Melianus T, Giovanni; Budiana, I Nyoman; Scolastika, Sheanny
Journal Equity of Law and Governance Vol. 1 No. 1
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (328.386 KB) | DOI: 10.55637/elg.1.1.3243.37-47

Abstract

Collaboration in the trade sector both at the national and international levels in the form of a franchise looks simple, but behind it, there are various problems that require attention from both the public or parties as well as from the Indonesian government. This is because the franchise agreement conducted by the parties often involves foreign parties who have a different legal system from Indonesia. This situation has the potential to create a conflict of law. Therefore, this study aims to provide legal solutions to disputes that may occur between the franchisor and the franchisee so that neither parties is burdened because of the lack of laws covering it. Normative legal research is used to analysis the problem of this research. The data source of this research uses primary legal materials and secondary legal materials related to clauses in the franchise agreement. Likewise, for the settlement of disputes on an agreement that has not yet determined the choice of law, several theories in international civil law can be used, such as the lex loci contractus theory, the lex loci solutionis, the proper law of contract, and the theory of the most characteristic connection to find laws that should apply (lex cause) For the settlement of legal disputes (conflict of law), especially in franchise agreements, the settlement of disputes does not have to go through litigation or court but can be resolved through Alternative Dispute Resolution (ADR) including arbitration institutions, which have the advantage of solving them, namely efficiency ( cost and time).
Legal Actions Against Default in the Delivery of Goods Agreement at PT On Time Express Branch Office Bali Dewa Putu Adi Putra; I Nyoman Budiana
Journal Equity of Law and Governance Vol. 2 No. 1
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55637/elg.2.1.4853.15-23

Abstract

On Time Express is a foreign investment company engaged in land, sea and air transportation services. Also called financing companies for goods delivery services, namely business entities outside banks and non-bank financial institutions that are specifically for carrying out economic activities in delivering goods and services. The work contract system is implemented based on the principle of trust as a service provider, a standard agreement is written based on the principle of freedom of employment contract made by PT. OnTime Express. That is, both parties, both service providers and consumers, together and agree to make a work contract agreement. But in reality, the work contract agreement as a service provider in its operations is not uncommon for problems that arise due to unexpected results between the parties. The consumer is unable to fulfill the contents of the agreement as agreed in the initial agreement resulting in a breach of contract. This must be resolved to maintain a good relationship and balance between rights and obligations according to the mutually agreed agreement. The purpose of this paper is to provide accountability for consumers and understanding in resolving violations of employment contract issues. This paper was written using empirical methods and data analysis techniques that are descriptive analytical. Based on research on the contract of delivery of goods, there are still many contract violations in PT. On Time Express by consumers. Most of the breaches of contract issues are resolved by non-litigation methods, which are negotiation and mediation.
Kekuatan Pembuktian Alat Bukti Keterangan Terdakwa Dalam Persidangan Online I Nyoman Budiana; I Gede Gatot Kasmariadi
Jurnal Hukum Saraswati Vol 6 No 1 (2024): JHS MARET 2024
Publisher : Faculty of Law, Mahasaraswati University, Denpasar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36733/jhshs.v6i1.8820

Abstract

law enforcement officers. Trials usually held face-to-face in the courtroom have changed to online via video conference due to the implementation of health protocols to maintain distance. The defendant and the defendant's legal advisor in several cases refused online trials. The problem in this research is the strength of evidence and legal certainty of the defendant's testimony in online trials. There are several things that form the basis, including the Criminal Procedure Code, criminal case evidence, criminal law evidentiary theory, legal certainty theory and online trials. This research chooses to use normative juridical research methods through a statutory approach (The Statute Approach). Legal materials come from secondary data collected using the Snow Balls Method and then sorted into primary, secondary and tertiary legal materials. The results of this research are that the evidence of the defendant's statement provided electronically has the same strength as an offline trial and the legal certainty of the defendant's statement in the online trial is guaranteed by statutory regulations. Online meetings provide an expanded interpretation of space that is not limited to direct physical face-to-face meetings but also face-to-face in cyber/virtual worlds, not limited by distance and place. The laws and regulations governing the Supreme Court provide space to establish Supreme Court Regulations to regulate Criminal Procedure Law when these provisions are not yet regulated in the Criminal Code.
Reflection On Strengthening Hindu Law in The Era of Globalization Budiana, I Nyoman; Mahadewi, Kadek Julia
JIHAD : Jurnal Ilmu Hukum dan Administrasi Vol 6, No 4 (2024): JIHAD : Jurnal Ilmu Hukum Dan Administrasi
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/jihad.v6i4.7719

Abstract

The development of the times has made several shifts that occur in life, one of the concerns that arise about local wisdom that occurs in society regarding the flow of globalization and the dependence of culture in society.  The existence of Hindu law in a dynamically applicable society.  The problem raised in the writing of this journal is how does Hindu law exist in the era of globalization? The research method in this journal uses a normative method, the approach uses a legislative approach, the legal sources are primary sources and secondary sources, the technique of collecting legal materials, the study of documents and the analysis technique uses descriptive. Hindu law and customary law in the national legal system have not yet been compiled into positive law (ius constitutum), because they have not been established as formal laws and regulations in accordance with Law No. 12 of 2011 concerning the Establishment of Laws and Regulations. 
Legal Protection of Foreign Workers (TKA) in Indonesia Arif Budiman Lubis; I Nyoman Budiana
Journal of Law, Politic and Humanities Vol. 5 No. 3 (2025): (JLPH) Journal of Law, Politic and Humanities
Publisher : Dinasti Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jlph.v5i3.1370

Abstract

The primary objective of this study is to investigate the legal safeguards in place for foreign workers in Indonesia, also known as TKA. The study employed a normative legal research methodology, incorporating statutory, case-based, and conceptual approaches. Judges base their decisions on Article 62 of Labor Law Number 13 of 2003, ensuring that their rulings abide by the law to promote legal certainty and justice. Labor protection is a form of recognition of the rights of workers/laborers as human beings who must be treated humanely. In a country based on law (rechstaat), the mandate for the laws and regulations to be applied correctly is that judges must side with justice (moral justice).
Formulation of Customary Criminal Law in Future Criminal Code and Legal Enforcement in Indonesia Rusdi Antara, Gede Eka; Budiana, I Nyoman; Sadnyini, Ida Ayu
Susbtantive Justice International Journal of Law Vol 4 No 2 (2021): Substantive Justice International Journal of Law
Publisher : Faculty of Law, Universitas Muslim Indonesia, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/substantivejustice.v4i2.149

Abstract

The pros and cons were debated in limiting national legal substance with full recognition of Customary Criminal Law in the bill of Criminal Code and its future enforcement. On the other hand, there are arguments against the inclusion of Customary Criminal Law in the Criminal Code and the resulting disparities in legal enforcement caused by some Judges’ ignorance of judging customary criminal cases settled with the imposition of customary sanctions, which resulted in an unjust situation. This article aims to serve as a legal academic framework for establishing, identifying, and analyzing the formulation of Customary Criminal Law into the Indonesian Criminal Code, as well as to contribute to the discussion of judges’ roles in sentencing customary criminal cases, which they should determine and judge based on customary law. This article demonstrated the use of normative legal research in conjunction with statutory law, legal conceptual, and philosophical approaches to law. This article discovered that: first, several issues concerning the formulation of Customary Criminal Law into several national Bills of Criminal Code were debatable; second, it also cannot be enacted due to conflicting contexts with Criminal Law principles, unwillingness, and an ambiguous law-making process. Furthermore, the prospect of including the Customary Criminal Law in the Bill of Criminal Code is based on various justifications and legal needs that reflect the diverse local genius that still exists and adheres to Pancasila law principles. Additionally, it relates to a proposed new paradigm that Judges and other legal enforcers should adopt when enforcing Customary Criminal Law in any criminal customary case.