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Surat Kuasa Menjual dalam Akad Pembiayaan Perbankan Syariah dan Dampaknya terhadap Eksekusi Jaminan Benda Tidak Bergerak Ari Tri Wibowo; Endang Ekowati
Jurnal Iqtisad Vol 9, No 1 (2022): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v9i1.5708

Abstract Plenty of uses power of attorney to sell in sharia banking financing contracts is a potential problem regarding the validity of the selling power of attorney made during the binding of the financing contract and also problems regarding the execution of immovable property guarantees using a power of attorney to sell as a basis. The power of attorney to sell in Islamic banking financing contracts and its impact on the execution of immovable property guarantees are discussed in this study. The legal research method used is normative research with a normative juridical approach. The study concluded that the validity of the agreement in the power of attorney to sell is also determined by whether the financing contract in Islamic banking uses a mortgage guarantee or not, and that the execution of immovable collateral objects using the basis of a power of attorney selling must go through a lawsuit to the Religious Court first and must wait for a court decision. (inkracht)Keywords: Power of Attorney to Sell; Syariah banking; Execution; Guarantee AbstrakBanyaknya penggunaan surat kuasa menjual pada akad pembiayaan perbankan syariah merupakan suatu potensi munculnya permasalahan mengenai sahnya surat kusa menjual yang dibuat saat pengikatan akad pembiayaan dan juga permasalahan mengenai pelaksanaan eksekusi jaminan benda tidak bergerak dengan menggunakan surat kuasa menjual sebagai dasar. Penelitian ini membahas menganai surat kuasa menjual dalam akad pembiayaan perbankan syariah dan dampaknya terhadap eksekusi jaminan benda tidak bergerak . Jenis penelitian hukum yang digunakan adalah penelitian normatif dengan mengunakan pendekatan yuridis normatif. Bahan-bahan hukum dikumpulkan dengan studi kepustakaan dan studi dokumen, hasil penelitian menyimpulkan bahwa sahnya perjanjian dalam surat kusa menjual juga ditentuakan dari apakah akad pembiayaan pada perbankan syariah tersebut menggunakan jaminan hak tanggungan atau tidak, kemudian eksekusi benda jaminan tidak bergerak dengan menggunakan dasar surat kuasa emnjual harus melalui gugatan ke Pengadilan Agama terlebih dahulu dan harus menunggu adanya putusan pengadilan dengan kekuatan hukum tetap (inkracht)Kata kunci: Surat Kuasa Menjual; Perbankan Syariah; Eksekusi; Jaminan

PENERAPAN ASAS PERADILAN CEPAT, SEDERHANA DAN BIAYA RINGAN DALAM PEMERIKSAAN PERKARA DISPENSASI NIKAH Endang Eko Wati; Rakhma Nurrozalina; Ari Tri Wibowo
Economics, Social, and Humanities Journal (Esochum) Vol. 1 No. 1 (2021)
Publisher : Faculty of Social, Economics and Humanities

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Many factors lead people to get married even though their age do not meet the requirement of the Marriage Law. It happens because they desire to avoid the adultery tradition or probably their mate is being pregnant. It becomes problem when people who are under nineteen years old involve to this issue. They actually require additional legal consideration and the existence of legal certainty regarding to the abridge pace of the registration offer until the presence of establishment. The invocation proposes by the parents are for the sake of their children. By mean of these, this study aimed to investigate the practice of principles such as a brief, simple and low-cost toward the case of a marriage dispensation petition through the ethic Contante Justitie. This study used the empirical juridical approach to gain the facts from the implementation of Contante Justitie, and this study belongs to descriptive qualitative research. The data were collected from primary data supported by secondary data. The data gathered from official document, literature, and the results of unstructured interview. Then, the results are presented through texts and qualitative descriptive analysis. The result has indicated that the basis principles of Contante Justitie has implemented in surroundings religious court in Purwokerto. It is useful to protect underage marriage due to the pressing reasons to get married.

PERAN KOMISARIS DALAM RANGKA MEMBANGUN GOOD CORPORATE GOVERNANCE DI BANK PEMBIAYAAN RAKYAT SYARIAH Sugeng Riyadi; Fetri Fatorina; Endang Eko Wati
Economics, Social, and Humanities Journal (Esochum) Vol. 2 No. 2 (2023): Economics, Social, and Humanities Journal (Esochum)
Publisher : Faculty of Social, Economics and Humanities

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BPRS has a clear organizational structure in accordance with its competence. One of the management in a BPRS is the existence of commissioners who contribute a lot in the development of a BPRS. BPRS will develop when the commissioners are able to carry out their roles properly. Vice versa, BPRS development will be hampered when the commissioners do not understand their role. The Board of Commissioners must be able to carry out good corporate governance to realize company performance, maintain good relations with stakeholders, and in the long term maintain the trust of shareholders and stakeholders so that the company's competitiveness in the business world can be maintained. This type of research uses normative juridical, namely research conducted by examining library materials which are secondary legal materials. The data analysis method applied in this research is qualitative analysis. The results of the study, in order to realize good GCG in the BPRS, it can be said that the board of commissioners is the core or heart of the BPRS governance system. The role of the board of commissioners is very important for the running of a BPRS. The board of commissioners is required to know and understand the regulations of the PT Law, the Sharia Bank Law, BI Regulations and Circulars, OJK Regulations and Circulars and DSN Fatwas. The commissioner in Law Number 21 of 2008 has a role as a supervisor of BPRS governance starting from supervising compliance with applicable laws to the process of evaluating BPRS governance. The explanation of the role of the BPRS is explained in article 29 of Law Number 21 of 2008 concerning Islamic Banking.

Kuasa Menjual Jaminan Pada Pembiayaan Akad Murabahah Bil Wakalah (Studi Analisis Perkara Nomor : 0001/Pdt.G.S/2020/PA.Pwt) Wati, Endang Eko; Fatorina, Fetri
At-Turost : Journal of Islamic Studies Vol 8 No 1 (2021): Februari 2021
Publisher : STAI Nurul Huda Kapongan Situbondo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52491/at.v8i1.61

Adanya peraturan yang begitu komplek secara konsep dan mudah dilaksanakan pada prakteknya terkait pelaksanaan akad murabahah khususnya murabahah bil wakalah belum bisa menjadi jaminan tidak akan timbul sengketa dalam pelaksanaan akad tersebut. Satu demi satu permasalahan muncul dalam pelaksanaan akad murabahah bil wakalah pada produk pembiayaan yang ada di perbankan syariah. Salah satu contohnya adalah pelaksanaan akad murabahah bil wakalah dalam perkara sengketa ekonomi syariah nomor perkara 0001/Pdt.G.S/2020/PA.Pwt. Hal yang menarik dalam perkara tersebut, yang diajukan oleh bank syariah terhadap debiturnya adalah ketika akad murabahah bil wakalah terjadi ternyata bank syariah mengikat jaminan benda tidak bergerak (tanah milik orang tua debitur) dengan surat kuasa menjual. Penelitian ini merupakan penelitian kepustakaan (library research) dengan pendekatan yuridis- normatif. Berdasarkan penelusuran penulis sampai saat ini belum ada fatwa yang mengatur secara rinci terkait pelaksanaan akad murabahah bil wakalah sehingga pelaksanaan dari akad murabahah bil wakalah masih menginduk pada fatwa DSN-MUI nomor DSN-MUI Nomor 04/DSN-MUI/IV/2000 tentang murabahah. Melihat prosesnya ada perjanjian pokok berupa akad murabahah disertai dengan perjanjian accesoir berupa perjanjian penjaminan dimana jaminan baru bisa dilakukan tindakan pengalihan apabila debitur wanprestasi. Sehingga apabila pada waktu yang bersamaan ada perjanjian pokok berupa akad murabahah dan kuasa menjual jaminan maka disini ada penyelundupan hukum yang dilarang oleh undang-undang dan menjadikan akad tersebut tidak jelas.

EKSEKUSI PUTUSAN PENGADILAN TENTANG HAK ASUH ANAK Mubarok, Muhammad Fikri; Arimbi, Diah; Wati, Endang Eko
Economics, Social, and Humanities Journal (Esochum) Vol. 3 No. 2 (2024): Economics, Social, and Humanities Journal (Esochum)
Publisher : Faculty of Social, Economics and Humanities

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Child custody disputes resulting from divorce are the problem in this case. The struggle for custody of minors is the subject of dispute in the implementation between the decision and the implementation of the decision which is difficult to implement where the decision explains that the custody of the child falls to the mother but in reality, the child is still in the care of his father. This basis is of research interest so the purpose of this research is to find out the implementation or execution of the Purwokerto Court Decision Number 1857/Pdt.G/2017/PA.Pwt jo Semarang Religious High Court Decision Number 170/Pdt.G/2018/PTA.Smg jo Supreme Court RI Decision Number 57/K/Ag/2019 regarding child custody and knowing the legal protection of children after court decisions. The research method used was normative juridical and limited empirical juridical. Based on the results of the research, showed that there was no system for executing decisions related to child custody, so the Defendant requested assistance from the local village head, security represented by Babinsa, police, Women and Children Services Unit (PPA), but the Plaintiff was offered various options but the process is long. Therefore, in addition to the court decision determining that custody was to be given to Plaintiff, the transfer of care was made because the child did not feel comfortable with Defendant and was willing to live with Plaintiff as his biological mother, which facilitated the process of transferring control of the child. The legal protection given to the child after the divorce of his parents was that the child still got maintenance from his parents, especially from his father, if the child born in the family was a girl then his biological father remains the guardian of the marriage, the relationship between parents and children was valid forever even though there was a divorce the child still gets inheritance from his parents.

Komunikasi Pemasaran pada Produk Pinjaman Kredit Modal Usaha Kecil Menengah di Bank Purwokerto Hadara, Aulia Dinta; Wati, Endang Eko
Probisnis Vol 17, No 1: Februari (2024)
Publisher : Universitas Amikom Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35671/probisnis.v17i1.2605

Bank merupakan institusi yang dipercaya oleh seluruh masyarakat, khususnya masyarakat Indonesia. Selain menjadi bank yang terpercaya, bank saat ini telah memadukan teknologi dan layanan keuangan sehingga menghasilkan banyak produk yang dapat dengan mudah dijangkau oleh masyarakat. Seperti digitalisasi dan segala aktivitas keuangan nasabah dapat berjalan lebih mudah karena fitur-fitur di dalamnya telah berjalan beriringan dengan perkembangan zaman sehingga aktivitas finansial nasabah dapat dilakukan dengan lebih modern, aman dan lancar. Namun, bank perlu melakukan fungsi penyaluran kreditnya. Oleh karena itu, pinjaman dilakukan untuk UKM. Tujuan penelitian untuk mengetahui bagaimana bank di Purwokerto melakukan pemasaran atas pinjaman terhadap UKM. Penelitian dilakukan dengan observasi dan interview pada bank BUMN di wilayah Purwokerto pada tahun 2023. Analisis kualitatif dilakukan dengan observasi dan deskripsi analisis. Hasil yang diperoleh berupa bentuk komunikasi yang dapat memberikan informasi penyebaran produk adalah dengan iklan atau promosi penjualan, menumbuhkan peran PR untuk menjalin hubungan dengan pihak terkait, dan dengan pemasaran langsung dengan komunikasi langsung antara bank dengan calon nasabah.

PERLINDUNGAN HUKUM BAGI KONSUMEN PENGGUNA JASA PARKIR DI KLINIK PRATAMA TANJUNG BERDASARKAN PERATURAN DAERAH KABUPATEN BANYUMAS NOMOR 4 TAHUN 2021 Zul Fauzi, Nizar; Wati, Endang Eko; Sukirno
Economics, Social, and Humanities Journal (Esochum) Vol. 4 No. 1 (2024): Economics, Social, and Humanities Journal (Esochum)
Publisher : Faculty of Social, Economics and Humanities

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This research aims to find out the legal protection for consumers who used parking services at the Tanjung Pratama Clinic, Banyumas Regency based on Banyumas Regency Regional Regulation Number 4 of 2021 concerning the Implementation of Parking associated with consumer protection law, and find out the obstacles faced in efforts to provide legal protection for consumers. This research used descriptive method to obtain descriptive data regarding the provision of legal protection to consumers of parking service users and the obstacles faced in efforts to provide legal protection. Normative juridical research was used to analyse legal protection for consumers of parking services at Tanjung Primary Clinic. While empirical juridical research was used to analyse the obstacles faced in efforts to provide legal protection for consumers of parking service users at the clinic. Data obtained using primary data and secondary data. Based on the results of the research, it is concluded that the Regional Regulation of Banyumas Regency Number 4 of 2021 concerning the Implementation of Parking serves as a guideline in the implementation of parking. Normatively, the regulation of consumer rights also refers to Article 4 of Law of the Republic of Indonesia Number 8 of 1999 concerning Consumer Protection. Consumer rights that must be protected in the research based on Banyumas Regency Regional Regulation Number 4 of 2021 concerning the Implementation of Parking associated with Consumer Protection Law are the right to security, comfort and safety, the right to have their opinions and complaints heard, the right to compensation, compensation, and/or replacement, if the services received are not in accordance with the agreement or not as they should be. The obstacles faced in efforts to provide legal protection for consumers who use parking services at the Tanjung Pratama Clinic, Banyumas Regency are institutional constraints, funding, human resources, regulations and information.

BEDAH AKAD PEMBIAYAAN, PENYUSUNAN GUGATAN BIASA DAN GUGATAN SEDERHANA MELALUI PENGADILAN Sugeng Riyadi; Endang Eko Wati; Fetri Fatorina; Chamid Sutikno
PARADIGMA: Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 1 (2023): PARADIGMA: Jurnal Pengabdian Kepada Masyarakat
Publisher : Department of Public Administration, University Wijaykusuma Purwokerto

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The growth and development of Islamic Financial Institutions (LKS) in Indonesia is increasing rapidly. The rapid development of Islamic banking and financial institutions has implications for the greater possibility of problems or disputes arising between service providers and the people served. Sharia Economic Dispute Resolution is a dispute in the field of Islamic economics between Islamic financing institutions and their customers. Then, Islamic Banks resolve this dispute to a litigation institution (Religious Court). But sadly, not all cases of sharia economic disputes are immediately granted by the panel of court judges. The weak content of the lawsuit filed with the religious court is a strong reason for the Religious Court to reject a case filed by an Islamic financial institution. The method used in the implementation of this community service is the method of observation and active participation. The result of the implementation of this community service is an ordinary lawsuit, and a simple lawsuit is a lawsuit that is easy to understand and easy to make. In making ordinary lawsuits and simple lawsuits, accuracy, foresight, and critical reasoning are needed in capturing and understanding sharia economic dispute cases that will be submitted to the Religious Courts. It takes a strong understanding of the substance of the contents of the lawsuit that will be submitted to the Religious Courts. Not only understanding the substance of the concept and making the contents of ordinary lawsuits and simple lawsuits that must really be mastered. But there are other substances that must also be mastered. This substance is an understanding of the concept of the financing contract that is applied along with the risks that will occur. A strong understanding of the substances that must be mastered closes the possibility of a lawsuit being rejected before a panel of judges at the Religious Court as the final decision on the sharia economic dispute at hand.

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