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Journal : International Journal of Educational Review, Law And Social Sciences (IJERLAS)

JURIDICAL ANALYSIS OF CREDIT AGREEMENTS WITH MORTGAGE GUARANTEE AND CESSIE REQUIRED AS GUARANTEE AT PT. BRI AGRO NIAGA PEKANBARU BR Napitupulu, Maria; Saidin, Saidin; Maharany Barus, Utary; Sinaga, Henry
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 2 No. 5 (2022): September
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v2i5.375

Abstract

Banking institutions have an important role in economic development with lending activities regulated in credit agreements. In the credit agreement between PT. BRI Agro Niaga Pekanbaru and PT. Sipakko Jaya Abadi with PTPN V there are efforts to secure credit with collateral and cessie required as collateral. This study uses empirical normative legal research methods. The data used include primary, secondary and tertiary data. Collecting data using library research and field research with interviews. Furthermore, the data were analyzed using qualitative data analysis methods. The results of the study indicate that the credit agreement between PT. BRI Agro Niaga Pekanbaru and PT. Sipakko Jaya Abadi has complied with the legal basis in force in Indonesia and the legal relationship that exists between PT. BRI Agro Niaga Pekanbaru as creditor and PT. Sipako Jaya Abadi as the debtor with PTPN V as the third party is PT. Sipakko Jaya Abadi entered into a credit agreement with PT. BRI Agro Niaga Pekanbaru with the aim of financing the work contract with PTPN V. The implementation of the Mortgage Guarantee with the required cessie as collateral is not in accordance with the legal basis and because essentially the cessie is a transfer of receivables. The execution of the guarantee in the credit agreement cannot be carried out on the cessie required as collateral.
JURIDICAL ANALYSIS OF BUSINESS CONVENIENCE FOR MICRO, SMALL AND MEDIUM ENTERPRISES (MSMEs) IN MEDAN CITY Faris Bashel, Yasmin; Saidin, Saidin; Ikhsan, Edy; Devi Azwar, T.Keizerina
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 2 No. 5 (2022): September
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v2i5.377

Abstract

The problems faced by MSME business actors are licensing and capital issues to continue their business in the midst of the COVID-19 pandemic. So special attention is needed for MSME actors from the Government during a pandemic. This research uses normative legal research and empirical legal research. Therefore, the data used include primary data and secondary data. Data were collected using library research and field research using interview methods. The results of the study indicate that the ease of doing business permits for MSME business actors according to the job creation law will be freed from business licensing fees and will provide cost relief for small businesses. The Government's policy is to provide social assistance to MSMEs affected by COVID-19 in the amount of 2.4 million Rupiah. Obstacles Faced First, there are obstacles in terms of licensing, the second is obstacles in distributing BPUM, and the third is the obstacles to providing capital credit for Micro, Small and Medium Enterprises (MSMEs).