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All Journal KERTHA WICAKSANA Jurnal Hukum Prasada Pena Justisia: Media Komunikasi dan Kajian Hukum Journal Equity of Law and Governance Jurnal Pengabdian Masyarakat Indonesia Maju (JPMIM) Jurnal Konstruksi Hukum Aptekmas : Jurnal Pengabdian Kepada Masyarakat Jurnal Interpretasi Hukum Jurnal Preferensi Hukum (JPH) Warmadewa Minesterium Medical Journal Akuntansi dan Humaniora: Jurnal Pengabdian Masyarakat Protection: Journal Of Land And Environmental Law Jurnal Inovasi Pengabdian dan Pemberdayaan Masyarakat Community Services Journal (CSJ) Vyavahara Duta International Journal of Law and Society Community Services: Sustainability Development Verdict: Journal of Law Science Jurnal Analogi Hukum Kertha Patrika Open Access DRIVERset
I Made Aditya Mantara Putra
Fakultas Hukum, Universitas Warmadewa, Bali, Indonesia
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Penyelesaian Kredit Macet Dalam Hal Terjadinya Wanprestasi di Lembaga Perkreditan Desa (LPD) Desa Adat Tabola Sidemen Pemayun, Cok Istri Wulan; Sukandia, I Nyoman; Putra, I Made Aditya Mantara
Jurnal Analogi Hukum 160-165
Publisher : Fakultas Hukum Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jah.6.2.2024.160-165

Abstract

LPD is an economic institution owned by a traditional village that aims to help improve the standard of living of the village krama, supporting the development of the traditional village by providing credit facilities. A letter of agreement is required that binds the parties in granting credit. However, in practice, there are still problems of non-performance of obligations by customers, especially in the LPD of Tabola Sidemen Traditional Village. In connection with this, the problem is formulated, namely: 1. What are the factors that cause defaults in credit agreements at LPD Desa Adat Tabola Sidemen; 2. How are efforts to resolve bad credit in the event of default at LPD Desa Adat Tabola Sidemen? The research method used is the type of empirical legal research with the type of regulatory approach and sociological approach or facts. The results show that the factors that cause default are internal factors and external factors. Internal factors from the LPD and external factors caused by customers. Efforts to resolve bad credit for defaults are carried out by credit restructuring, litigation and non-litigation efforts.
Perlindungan Konsumen Terhadap Tindakan Diskriminasi oleh Pelaku Usaha Rental Motor di Desa Canggu Badung Artini, Ni Putu Citra Juli; Senastri, Ni Made Jaya; Putra, I Made Aditya Mantara
Jurnal Analogi Hukum 250-255
Publisher : Fakultas Hukum Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jah.6.2.2024.250-255

Abstract

Canggu Village is a tourist village visited by foreign and local tourists. In this case, the community opens various business sectors in Canggu Village, one of which is the motorcycle rental business. In practice, there are motorcycle rental businesses that do not carry out their business activities based on Law Number 8 of 1999 concerning Consumer Protection regarding violations of consumer rights. The formulation of this research problem: 1) What factors cause motorcycle rental businesses to discriminate against consumers in Canggu Village, Badung? 2) How are legal protection efforts against consumers for discrimination by motorcycle rental businesses in Canggu Badung Village? Type of empirical legal research with the type of approach legislation and facts. The results showed that the factors causing motorcycle rental business actors to discriminate against consumers were irresponsible consumer actions by taking away the rented motorbike. Legal protection for consumers against discrimination by motorcycle rental businesses is preventive protection through guidance by Bendesa Adat Canggu to motorcycle rental businesses in Canggu Village and repressive protection, namely consumers who feel harmed can report to the village office by bringing evidence of discrimination by business actors that harm consumers.
Pelaksanaan Pemberian Kredit Kepada Warga Luar Desa Di Lpd Desa Adat Tegal Kabupaten Badung Putra, I Nyoman Esna Parhita; Sukandia, I Nyoman; Putra, I Made Aditya Mantara
Jurnal Analogi Hukum 311-317
Publisher : Fakultas Hukum Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jah.7.3.2025.311-317

Abstract

Keberadaan LPD merupakan keuntungan bagi masyarakat Bali. Menurut Peraturan Daerah Provinsi Bali Nomor 3 Tahun 2017 tentang LPD, Pasal 7 ayat (1) huruf c, LPD dapat memberikan pinjaman kepada warga luar desa dengan syarat kerjasama antar desa. Namun, dalam praktiknya LPD Tegal memberikan kredit kepada warga luar desa adat tanpa adanya syarat tersebut. Adapun permasalahan yang diangkat yakni: (1). Bagaimanakah pelaksanaan pemberian kredit kepada warga luar desa adat di LPD Desa Adat tegal?; dan (2). Bagaimanakah mekanisme penyelesaian perselisihan dalam hal terjadinya kredit macet oleh debitur warga luar desa adat? Studi ini menerapkan metodologi penelitian hukum empiris. Hasil penelitian menunjukan bahwa pelaksanaan pemberian kredit kepada warga luar Desa Adat Tegal melaui beberapa tahapan yakni tahap awal, tahap pengajuan permohonan kredit, tahap penilaian calon peminjam, dan tahap persetujuan.
Comparison of Personal Guarantees and Collateral in Bank Credit Agreements and Leasing Financing Dewi, Ida Ayu Cintiya Kencana; Putra, I Made Aditya Mantara
Kertha Patrika Vol. 47 No. 3 (2025): Reinterpreted Civil, Administrative, and Criminal Law into Indonesia Legal Dev
Publisher : Faculty of Law, Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/KP.2025.v47.i03.p05

Abstract

This study aims to analyse the effectiveness of guarantees in bank credit agreements and leasing financing, specifically comparing personal guarantees and collateral. Using a normative research method, this study investigates the regulations governing both types of guarantees from the perspective of Indonesian positive law. The objective of this study is to provide a better understanding of when and why each type of collateral should be used, as well as to identify challenges in its application. Through literature studies, analysis of legislation, and a review of court decisions, this study finds that collateral offers greater legal certainty and facilitates execution, especially when the collateral has a stable market value. Conversely, personal guarantees provide flexibility in collateralisation but are highly dependent on the guarantor's financial capacity and good faith. The results of this study are expected to provide recommendations for legal practice in the field of financing and assist creditors in selecting the optimal type of collateral for their situation.
Comparison of Personal Guarantees and Collateral in Bank Credit Agreements and Leasing Financing Dewi, Ida Ayu Cintiya Kencana; Putra, I Made Aditya Mantara
Kertha Patrika Vol. 47 No. 3 (2025): Reinterpreted Civil, Administrative, and Criminal Law into Indonesia Legal Dev
Publisher : Faculty of Law, Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/KP.2025.v47.i03.p05

Abstract

This study aims to analyse the effectiveness of guarantees in bank credit agreements and leasing financing, specifically comparing personal guarantees and collateral. Using a normative research method, this study investigates the regulations governing both types of guarantees from the perspective of Indonesian positive law. The objective of this study is to provide a better understanding of when and why each type of collateral should be used, as well as to identify challenges in its application. Through literature studies, analysis of legislation, and a review of court decisions, this study finds that collateral offers greater legal certainty and facilitates execution, especially when the collateral has a stable market value. Conversely, personal guarantees provide flexibility in collateralisation but are highly dependent on the guarantor's financial capacity and good faith. The results of this study are expected to provide recommendations for legal practice in the field of financing and assist creditors in selecting the optimal type of collateral for their situation.
ACTUALIZATION OF BANK PRINCIPLES OF PRECAUTION IN AN EFFORTS TO PROTECT CUSTOMERS AGAINST SOCIAL ENGINEERING BANKING CRIME MODES I Made Aditya Mantara Putra; Johannes Ibrahim Kosasih; I Nyoman Sukandia; AA Ngr Mayun Narindra
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i1.6515

Abstract

This study is based on the increasing cases of socialengineering fraud in the banking sector that threatencustomer security. The urgency of this study lies in theneed to understand how the bank's precautionaryprinciple can be actualized to protect customers fromincreasingly sophisticated crime modes. The purpose ofthis study is to analyze the application of theprecautionary principle in customer protection effortsand to identify steps that can be taken by banks to reducethe risk of such crimes. The research method used is anormative method supported by empirical data. Empiricaldata were collected through in-depth interviews withbank management, namely at PT. Bank BRI DenpasarRenon Branch and PT. Bank BPD Bali Denpasar Branch.The results of the study indicate that although banks haveimplemented several precautionary principles, there arestill gaps in their implementation that can be exploited bycriminals. This study found that customer education andimproving digital security systems are important stepsthat need to be taken to strengthen customer protection.The output of this study is expected to provide practicalrecommendations for banks in optimizing the applicationof the precautionary principle and increasing customerawareness of the potential risks of social engineeringcrimes. In addition, the results of this study can also be areference for better banking policies in protectingcustomers in the digital era
Co-Authors A. A. Ngr Mayun Narindra AA Ngr Mayun Narindra Airo Kamta Perangin-angin ARTANAYA, Wayan Artini, Ni Putu Citra Juli Cokorda Istri Sarawasundhari Denisya, Ni Putu Dessy Lina Oktaviani Suendra Deswan Harapenta Ginting Dewa Ayu Nyoman Trisnamurti Dewi, Ida Ayu Cintiya Kencana Gede Agung Wirawan Nusantara Hartini Sarifan I A Cynthia Saisaria Mandasari I Gede Wira Darma I Gusti Agung Ayu Gita Pritayanti Dinar I Gusti Bagus Suryawan I Gusti Bagus Suryawan I Gusti Nyoman Agung I Ketut Puja Wirya Sanjaya I Made Agus Surya Adi Putra I Made Dedy Priyanto I Nyoman Alit Puspadma I Nyoman Budiartha I Nyoman Gede Sugiartha I Nyoman Mahendra Guna I Nyoman Putu Budiartha I Nyoman Putu Budiartha I Nyoman Putu Budiartha I Nyoman Sukandia I Putu Satya Guna Dharma I Putu Satya Guna Dharma I Wayan Egiarta Pramudana I Wayan Gede Purnayasa Wijaya I Wayan Kartika Jaya Utama I WAYAN SUARJANA I Wayan Werasmana Sancaya I Wayan Wesna Astara I. B. Gde Agustya Mahaputra IB Gede Agustya Mahaputra IB. Gede Agustya Mahaputra Jessika Morisca Katu Johannes Ibrahim Kosasih Johannes Ibrahim Kosasih Ketut Adi Wirawan Komang Sutriani Krisna Dwipayana Dira Putra Luh Gede Pradnyawati Luh Gede Pradnyawati Luh Made Mahendrawati Made Indra Wijaya Made Indra Wijaya Mulyawati, Kade Richa Ni Komang Arini Styawati Ni Luh Putu Ratna Wahyu Lestari Ni Nyoman Sri Rahayu Damayanti Ni Putu Erni Novayanti Putri Ningrum, Ayu Dwi Paramananda, N Pemayun, Cok Istri Wulan Pradnyawati, Luh Gede Putra, I Nyoman Esna Parhita Putri, Made Dhea Mulya Ronald Hasudungan Sianturi Senastri, Ni Made Jaya Siti Romlah Wijaya, Made Indra Willy Yohanes Siahaan Wiryani, Made