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Journal : JURNAL USM LAW REVIEW

Eksistensi Kontrak Kegiatan Ekonomi Kreatif Sebagai Jaminan Dalam Pengajuan Kredit Bank Ilhami, Maulidya; Abubakar, Lastuti; Handayani, Tri
JURNAL USM LAW REVIEW Vol. 7 No. 3 (2024): DECEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v7i3.9428

Abstract

This research and article aim to find answers to the difficulties in implementing contracts for creative economy entrepreneurs as collateral, which are indeed regulated, but their implementation has never been carried out in Indonesia itself. The urgency of this research is to support the development of the creative economy industry sector, particularly in terms of funding, and to provide benefits and clarity for the parties involved. Therefore, legal research was conducted using the normative juridical method. This research and article provide new insights regarding contracts in creative economy activities as collateral, which have not been extensively discussed in previous literature. Based on the research conducted, it is known that, in principle, the regulation of contracts for creative economy entrepreneurs as collateral is very likely to be implemented as long as there is a specific mechanism regarding this matter. A mechanism is needed because a contract cannot simply be classified as an object, so the economic value contained in the contract can be guaranteed through fiduciary collateral. Furthermore, there is a need for regulations in the POJK regarding the details of the implementation of contracts by creative economy entrepreneurs as collateral, the approval of the parties involved in the contract related to the collateralization of the contract, and the application of the principle of prudence by banks before accepting creative economy activity contracts as collateral. With the existence of regulations and mechanisms, as well as the approval of the parties involved in using contracts from creative economy entrepreneurs as collateral, it can provide legal certainty in its implementation and protect the parties involved. Penelitian dan artikel ini bertujuan menemukan jawaban atas kesulitan dalam pengimplementasian kontrak pelaku usaha ekonomi kreatif sebagai jaminan yang mana pengaturannya memang sudah ada, tetapi pengimplementasiannya belum pernah dilakukan di Indonesia sendiri. Adapun urgensi dari penelitian ini adalah untuk mendukung pengembangan sektor industri ekonomi kreatif terutama dari segi pendanaan serta memberikan manfaat, dan kejelasan bagi para pihak yang terkait di dalamnya. Oleh karena itu, dilakukan penelitian hukum dengan metode yuridis normatif. Penelitian dan artikel ini memberikan wawasan baru terkait kontrak dalam kegiatan ekonomi kreatif sebagai jaminan yang belum banyak dibahas dalam literatur-literatur sebelumnya. Berdasarkan penelitian yang dilakukan, maka diketahui bahwa pada dasarnya peraturan kontrak pelaku usaha ekonomi kreatif sebagai jaminan sangat mungkin untuk diimplikasikan selama terdapat mekanisme khusus mengenai hal tersebut. Mekanisme dibutuhkan karena kontrak tidak dapat serta merta digolongkan sebagai benda, sehingga nilai ekonomis yang terdapat dalam kontrak tersebut yang dapat dijaminkan melalui jaminan fidusia. Lebih lanjut, perlu adanya pengaturan pada POJK terkait rincian pelaksanaan kontrak pelaku usaha ekonomi kreatif sebagai jaminan, persetujuan dari para pihak dalam kontrak berkaitan dengan penjaminan kontrak tersebut, serta penerapan prinsip kehati-hatian oleh bank sebelum menerima kontrak kegiatan ekonomi kreatif sebagai jaminan. Dengan adanya pengaturan dan mekanisme, serta persetujuan para pihak dalam menjadikan kontrak pelaku usaha ekonomi kreatif sebagai jaminan, dapat memberikan kepatian hukum dalam pelaksanaannya serta melindungi para pihak yang terlibat.
Akibat Hukum Terhadap Bank Atas Pembatalan Hak Tanggungan Melalui Putusan Pengadilan Berkekuatan Hukum Tetap Hutadjulu, Ryan Dwitama; Abubakar, Lastuti; Handayani, Tri
JURNAL USM LAW REVIEW Vol. 6 No. 1 (2023): APRIL
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v6i1.6646

Abstract

The research was conducted to analyze the legal impact on the position and obligations of the bank as the holder of mortgage rights (HT) for HT which has been determined to have no legal force by a court decision. With regard to lending, the existence of guarantees is a matter of sufficient concern to banks. Until now, land has been highly favored by banks as collateral for loans with mortgage rights. Cancellation of land ownership certificates can be submitted for land that has become HT. By canceling the mortgage right, the bank will lose the guarantee for the credit that has been issued, especially if the debtor is in bad credit status. Normative juridical is the method been used in this research. It is concluded from the discussion result that the legal consequences of the mortgage rights that have been determined to be non-forceable by a court decision on the position and obligations of the bank as the mortgage holder is that the bank will lose its position as preferred creditor. The cancellation of the agreement on the transfer of land rights also causes the cancellation of the mortgage agreement, considering that the object of the agreement does not meet the legal requirements of the agreement. The contractual relationship between the debtor and the bank as the creditor in the said rights agreement is considered non-existent and must be returned to its original state before the mortgage agreement. Penelitian dilakukan untuk menganalisis dampak hukum terhadap kedudukan dan kewajiban bank sebagai pemegang hak tanggungan (HT) untuk HT yang telah ditetapkan tidak memiliki kekuatan hukum oleh putusan pengadilan. Terkait pemberian kredit, keberadaan jaminan menjadi hal yang cukup diperhatikan oleh bank. Tanah hingga saat ini menjadi sangat disukai bank sebagai jaminan kredit dengan hak tanggungan. Pembatalan atas sertifikat kepemilikan atas tanah dapat diajukan terhadap tanah yang telah menjadi HT. Dengan pembatalan hak tanggungan, bank akan kehilangan jaminan atas kredit yang telah dikeluarkannya terlebih jika debitur dalam status kredit macet. Yuridis normative adalah metode penelitian yang digunakan dalam penelitian ini. Kesimpulan yang dapat diambil dari hasil pembahasan bahwa akibat hukum terhadap hak tanggungan yang telah ditetapkan tidak berkekuatan hukum oleh putusan pengadilan terhadap kedudukan dan kewajiban bank selaku pemegang hak tanggungan adalah bahwa bank akan kehilangan kedudukan sebagai kreditur preferen. Pembatalan perjanjian peralihan hak atas tanah turut menyebabkan pembatalam perjanjian hak tanggungan, mengingat objek perjanjiannya menjadi tidak memenuhi syarat sah perjanjian. Hubungan kontraktual antara debitur dan bank selaku kreditur dalam perjanjian hak tersebut dianggap tidak ada, sehingga keadaannya harus dikembalikan seperti semula. 
Peran Pengendali Dalam Melindungi Kepentingan Investor Melalui Pelaksanaan Prinsip Tata Kelola Perusahaan Yang Baik Setiawan, Muhammad Vikri; Abubakar, Lastuti; Rahmawati, Ema
JURNAL USM LAW REVIEW Vol. 6 No. 2 (2023): AUGUST
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v6i2.6829

Abstract

The aim of this study is to find out and analyze the role of controllers in protecting the interests of publicly-listed company investors by ensuring the implementation of good corporate governance principles. The delay of the implementation of the Annual General Meeting of Shareholders and the publication of annual financial statements are two examples of non-fulfillment of the principles of good corporate governance namely transparency and accountability, which resulting temporary suspending trading of its shares by Indonesia Stock Exchange. When the role of the controller as shareholder who has the ability to control the company is ineffective because the shareholding of the company is less than 50%, the undertake of investors protection become an issue. This research was conducted based on a juridical-normative approach with analytical descriptive specifications based on secondary data. The results of this study revealed that the controller has several mechanisms to control the company to reduce losses for shareholders. However, the determination of a controller with less than 50% shareholding of the company’s shares results in the controlling role towards the company become ineffective and potentially detrimental to the interests of investors. The difference between this research and the previous lies in the object of this study which discusses the role of controllers in ensuring the fulfillment of the principles of good corporate governance so that they can provide protection to investors.
Penyelesaian Kerugian Investor Dari Praktik Insider Trading di Pasar Modal di Indonesia Rivelino, Reyhan; Abubakar, Lastuti; Sudaryat, Sudaryat
JURNAL USM LAW REVIEW Vol. 6 No. 3 (2023): DECEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v6i3.7475

Abstract

The purpose of this research is to examine trading crimes insider are crimes that occur a lot in the Capital Market and are very difficult to prove in the process of handling and solving them so that in this case investors always get the biggest loss point. Law Number 8 of 1995 concerning Capital Markets as amended by Law Number 4 of 2023 concerning the Strengthening and Development of the Financial Sector explains the limitations and legal protection of investors related to Insider Trading practices, but this is considered insufficient to be able to protect investors optimally. This research is written using qualitative juridical writing techniques, namely describing data with theories to answer questions accompanied by legal interpretations so that conclusions can be drawn. The purpose of this study is to discuss how OJK as a supervisory institution in the capital market to handle and resolve Insider Trading practices and how repressive steps are taken after Insider Trading crimes occur so that the protection that investors should get will be realized. Tujuan dari penelitian ini adalah mengkaji kejahatan perdagangan orang dalam (insider trading) merupakan kejahatan yang banyak terjadi di Pasar Modal dan sangat sulit dibuktikan dalam proses penanganannya dan penyelesaiannya sehingga dalam hal ini investor lah yang selalu mendapatkan titik kerugian terbesar. UU Nomor 8 Tahun 1995 tentang Pasar Modal sebagaimana diubah dengan UU Nomor 4 Tahun 2023 tentang Penguatan dan Pengembangan Sektor Keuangan menjelaskan terkait batasan-batasan dan perlindungan hukum investor terkait praktik insider trading, namun hal ini dirasa belum cukup untuk dapat melindungi investor secara optimal. Penelitian ini ditulis dengan menggunakan metode penelitian yuridis kualitatif yaitu mendeskripsikan data dengan teori-teori untuk menjawab pertanyaan disertai dengan penafsiran hukum sehingga dapat ditarik kesimpulan. Hasil penelitian terhadap penyelesaian dan tindakan yang dilakukan OJK dalam insider trading merupakan hal yang penting untuk dilakukan OJK dan terkait dengan tindakannya dilakukan dengan cara melakukan pemeriksaan penyidikan pembuktian hingga penjatuhan sanksi, terkait dengan bentuk perlindungannya bisa dilakukan dengan langkah represif berupa penjatuhan sanksi setelah terjadinya suatu kejahatan dan pelanggaran di pasar modal.