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FAKTOR-FAKTOR PENYELESAIAN DAN PENYELAMATAN PINJAMAN (KREDIT MACET) DI KOPERASI ARTHA SEJATI SEMARANG Angga Dwi Prabekti; Fitika Andraini
Jurnal Ilmiah Dinamika Hukum Vol 19 No 1 (2018): Vol. 20 No. 1 Edisi April 2018
Publisher : Fakultas Hukum Universitas Stikubank

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35315/dh.v20i1.7204

Abstract

Lending often occurs in a loan agreement (credit), which is a State party to the debtor's inability to pay an obligation that has been mutually agreed by the lender so that losses on the part of creditors as occur at the KSP Artha True Semarang. As for the purpose of this research is to know and understand what factors being the cause of the occurrence of loans (bad credit) as well as settling the loan (bad credit) happens on the KSP Artha True Semarang. The methods used in the writing of this is empirical method that uses an approach from the aspect arising in field, which has the nature of a real legal who live in thecommunity. Formulation of the problem examined in this thesis is how writing reviews of juridical agreement loan (credit) in cooperative Artha True Semarang, what are the factors that led to the loan (kreditmacet) on Cooperative Artha True Semarang, and how the process of rescue and settlement of loans (kerdit jam) of the true Artha padaKoperasi Semarang Formulation of the problem examined in this thesis is how writing reviews of juridical agreement loan (credit) in cooperative Artha True Semarang, what are the factors that led to the loan (kreditmacet) on Cooperative Artha True Semarang, and how the process of rescue and settlement of loans (kerdit jam) of the true Artha on Cooperative Semarang From this research can generate external factors which are the cause of loan (kerdit jam) is the debtor experienced barriers/difficulties in economic needs due to an accident causing late payment in pay off in installments. While the internal factor is the weak information and oversight in causing the credit turnaround supervision be not maximum. And the efforts made in the settlement of bad debts in the KSP Artha Semarang is True through the settlement outside the Court/non litigation and settlement in court, as well as save existing assets.
RESIKO YURIDIS ASURANSI SOSIAL BAGI PEGAWAI PT TASPEN (PERSERO) KANTOR CABANG UTAMA SEMARANG YANG MENGAJUKAN PENSIUN DINI Rahmat Hafidh; Fitika Andraini
Jurnal Ilmiah Dinamika Hukum Vol 19 No 1 (2018): Vol. 20 No. 1 Edisi April 2018
Publisher : Fakultas Hukum Universitas Stikubank

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35315/dh.v20i1.7211

Abstract

PT TASPEN (PERSERO) is an Indonesian State-Owned Enterprise engaged in pension fund insurance and taboo PT TASPEN (PERSERO) is an Indonesian State-Owned Enterprise engaged in insurance for pension funds and old age savings which refers to Government Regulation Number 20 of 2013 About Amendments to Government Regulation Number 25 of 1981 concerning Civil Servants' Social Insurance. PT TASPEN (PERSERO) in carrying out its role is not always able to fulfill the rights of Civil Servants on pension rights and old age savings because of the things that are needed in the fulfillment of pension rights and old age savings. These matters are concerning the role of PT TASPEN (PERSERO) in organizing pension and old-age savings programs that will later be entitled to receive severance pay and receive other pension rights based on applicable regulations. The problem in this study is about the risk of social insurance juridical for employees of PT TASPEN (PERSERO) Semarang Main Branch Office who apply for early retirement before the specified retirement age limit. This research is a type of normative juridical research that focuses on studying the application of positive legal norms or norms. From the results of this study indicate that, the juridical risk when applying for an early retirement is not legal unless the person concerned is in trouble, at the time of retirement will get administrative sanctions in the form of postponement of retirement or severance pay. With old age referring to Government Regulation Number 20 of 2013 concerning Amendments to Government Regulation Number 25 of 1981 concerning Civil Servants' Social Insurance. PT TASPEN (PERSERO) in carrying out its role is not always able to fulfill the rights of Civil Servants on pension rights and old age savings because of the things that are needed in the fulfillment of pension rights and old age savings. These matters are concerning the role of PT TASPEN (PERSERO) in organizing pension and old-age savings programs that will later be entitled to receive severance pay and receive other pension rights based on applicable regulations.
FUNGSI DAN PERAN BPOM DALAM PERLINDUNGAN KONSUMEN TERHADAP MAKANAN YANG MENGANDUNG BAHAN BERBAHAYA DI KOTA SEMARANG Atin Carolina Parei; Fitika Andraini
Jurnal Ilmiah Dinamika Hukum Vol 19 No 2 (2018): Vol. 21 No. 2 Edisi Agustus 2018
Publisher : Fakultas Hukum Universitas Stikubank

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35315/dh.v21i2.7217

Abstract

The issue of legal protection for consumers is one that is championed in order to provide protection for the community as consumers. BPOM Semarang City has the duty to provide services for the community to supervise the circulating products to ensure their safety, however, there are still products that contain hazardous substances in circulation. Therefore this thesis is entitled "The Function and Role of BPOM in Consumer Protection Against Foods Containing Hazardous Ingredients in Semarang City". The problem under study is to find out how the function and role of BPOM in dealing with food containing hazardous ingredients, what efforts have been made by BPOM on foods containing hazardous ingredients and the rights obtained by consumers in order to be safer against substances that contain hazardous ingredients. The research method used is the type of normative juridical legal research. Specific research is descriptive analysis of primary and secondary data sources. Data collection methods used are interviews and literature study with research locations at BPOM Semarang City. Based on the research obtained shows that the position of consumers is weak compared to producers, so consumers need the existence of UUPK and POM agencies as supervisors on the feasibility and safety of drugs and food to avoid losses suffered by consumers considering that there are still dangerous substances in the circulating products. The role of the government needs to be maximized in controlling, supervising and coaching and counseling to consumers and businesses.
TANGGUNG JAWAB ATAS KETERLAMBATAN, KERUSAKAN ATAU KEHILANGAN PENGIRIMAN BARANG DI PT. PANDU LOGISTICS Tira Hana Kristina, Fitika Andraini
Jurnal Ilmiah Dinamika Hukum Vol 20 No 1 (2019): Vol. 20 No. 1 Edisi April 2019
Publisher : Fakultas Hukum Universitas Stikubank

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35315/dh.v22i1.8260

Abstract

Freight of goods and passengers in Indonesia With the availability of goods and transportation needed by transportation, there are many entrepreneurs or transportation service companies in the three transportation routes. PT. Pandu Logistik is a company engaged in the transportation of goods which is a legal entity in the Commercial Postal Service as stipulated in article 18 paragraph (1) of Law Number 38 of 2009 concerning Postal. During the process of shipping goods sometimes it does not need to be done with problems, for example regarding expenditures, both originating from nature, human actions or from the nature of the goods themselves. In answering this law, the approach method is carried out using the sociological juridical method with descriptive analytical specifications and the analysis is done qualitatively. The results of this study indicate that the standard agreement in the transportation agreement determined by the carrier according to the position of the parties is not balanced and there is no freedom of transfer to determine the contents of the agreement. Factors that cause ownership change, damage or loss of goods in PT. Pandu Logistics is 2 factors, the first factor which is a factor of PT. Pandu Logistik itself and the second is external factors such as circumstances and accidents that cannot be done in the transportation of goods. The responsibility of PT. Pandu Logistics Semarang for lost or damaged goods that is by way of compensation of 10 times the shipping fee or a maximum of Rp. 1,000,000 (one million rupiah), except if PT. Pandu Logistik Semarang can prove right and wrong that PT. Pandu Logistik Semarang, apart from the negligence and mistakes of the sender of the goods or because there is something about the cargo that does not reach the recipient of the goods, this is what frees PT. Pandu Logistik from Semarang sent by the goods sender. This is in accordance with article 10 paragraph (2) letter i Government Regulation Number 15 Year 2013 concerning Regulation Number 38 Year 2009 concerning Postal Keywords: Standard Agreement, Factors, Responsibility, Delivery of Goods
TINJAUAN HUKUM PENDAFTARAN TANAH SECARA SISTEMATIS MELALUI AJUDIKASI BERDASARKAN PP NO. 24 TAHUN 1997 Raras Laila Yustinov, Fitika Andraini
Jurnal Ilmiah Dinamika Hukum Vol 20 No 2 (2019): Vol. 20 No. 2 Edisi Agustus 2019
Publisher : Fakultas Hukum Universitas Stikubank

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35315/dh.v23i2.8266

Abstract

The need for land continues to increase so that it often causes very complex problems. To deal with these land issues, the government issued Law no. 5 of 1960 concerning Basic Agrarian Principles which later became known as the UUPA, the birth of the UUPA was a new milestone for this nation in land law. In line with that, the government then issued government regulation No. 24 of 1997 concerning land registration which reaffirmed the importance of the community registering their land, land registration functions to find out the status of the land parcels, who owns it, what rights are it, how much area, what is it used for. The importance of systematic, good and correct land registration through adjudication aims to reduce problems that arise with regard to land. The research method used by the writer is a juridical empirical approach with the intention of proving or testing to ensure the truth and rationalizing it through the results of research and experiences that have been found in everyday life. The results of the research found that more people register their land in a sporadic manner, because the community considers that systematic land registration does not necessarily occur every year, even though it is expensive for the community to register their land in order to obtain the rights to the land they own. Keywords: PP No. 24 of 1997, land registration, adjudication
PERLINDUNGAN HUKUM KONSUMEN DEPO AIR MINUM ISI ULANG YANG HAKNYA DILANGGAR DI KOTA SEMARANG Galuh Puspa Prameswari; Fitika Andraini
Jurnal Ilmiah Dinamika Hukum Vol 21 No 1 (2020): Vol. 21 No. 1 Edisi April 2020
Publisher : Fakultas Hukum Universitas Stikubank

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35315/dh.v24i1.8319

Abstract

In our daily needs as a human being cannot be separated from the natural resource that is bestowed by God Almighty, especially water. People choose to consume drinking water produced by the Drinking Water Depot (AMD) business because of the need for clean and healthy water for consumption. But it turns out that health is not always guaranteed because the drinking water produced by the drinking water depot (AMD) refills is still found many germs that cause disease (pathogens) and is not safe for consumption because it does not meet the standard of eligibility. Issues to be discussed are the legal protection of consumers for their rights being violated by business actors in refill drinking water depots in Semarang City, and the settlement mechanisms that can be taken to resolve various violations of refilled drinking water depots that do not have a business license in Semarang City. The approach method used in this research is a normative juridical approach using secondary data in the form of library materials, documents, and other laws and regulations related to the research that will be discussed. And the analysis technique used is descriptive analytical. Legal Protection for Water Depot Consumers whose Rights are Violated by Business Actors of Refill Drinking Water Depot in Semarang City, are regulated in Article 60 and Article 62 of the Consumer Protection Law as well as in Article 28 of the Regulation of the Minister of Health of the Republic of Indonesia Number 736 / Menkes / Per / IV / 2010 concerning Procedures for Supervision of Drinking Water Quality, while the Settlement Mechanism that Can Be Taken to Resolve Various Violations of Refill Drinking Water Depots that Do not Have Business Permits in Semarang City are regulated in Article 47 and Article 48 of the Consumer Protection Law. Keywords: Consumer Protection, Drinking Water Depot (AMD), Business License
PERLINDUNGAN HUKUM DAN KEDUDUKAN PEMEGANG HAK TERHADAP PEMBLOKIRAN SERTIFIKAT HAK ATAS TANAH OLEH KANTOR PERTANAHAN Jazillatul Ulfa; Fitika Andraini
Jurnal Ilmiah Dinamika Hukum Vol 21 No 2 (2020): Vol. 21 No. 2 Edisi Agustus 2020
Publisher : Fakultas Hukum Universitas Stikubank

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35315/dh.v25i2.8328

Abstract

Earth, water and space as well as the natural resources contained therein under the control of the State are gifts from God Almighty whose functions and uses are for the prosperity of the people. Land for the Indonesian Nation is a source of livelihood and is regulated in the provisions of the Law. The Basic Agrarian Law No. 5 of 1990 lays the foundation on providing legal certainty for land rights for the Indonesian people. Legal certainty is obtained after the land registration process. Land rights that have legal certainty can be transferred or transferred. however, in the process, disputes over land rights still occur in the community. Blocking of Land Rights Certificates is taken as an administrative step in the dispute resolution process, but there is a period of only 30 days to record the blocking of Peru, it is known how the factors of land blocking, how to know the position of the holder of the Land Rights certificate when the block is being blocked and when the period is 30 blocking day is over but the dispute has not been resolved. The type of research used by the writer is juridical normative and descriptive analytical research specification by collecting data by means of literature study and interviews which are presented in a descriptive manner and analyzed in a descriptive qualitative manner. The results of the research and data analysis carried out show the factors that cause the blocking of Land Rights Certificates, namely: a. Gono-Gini distribution of assets, b. Land Rights Holders do not have good faith, c. Distribution of Inheritance, d. Lost Certificate, e. There is an investigation by the Police, f. Land rights confiscated by the State Receivables Affairs Committee (PUPN) in connection with the settlement of State Receivables. Legal protection & the position of the Land Rights Certificate Holder when the blockage is carried out is that the right holder cannot take legal action against the blocked land for 30 days after the block registration was carried out, article 19 UUUPA / PP 241997 regarding registration will not be lost The legal certainty of the rights holder remains attached to it as long as there has been no transfer of rights to the land they own. If the 30 day period of blocking is over but the dispute has not been completed, the blocking will not be removed by law and will remain in effect as long as there is no request for revocation by the applicant or the provisions -Other provisions which become the reasons for the removal of the block in accordance with article 14 of the Regulation of the Minister of ATR / Head of the National Land Agency No.13 of 2017 concerning the Procedure for Blocking and Confiscation, this is because in the Land Office (Semarang) there is no system that can identify or filter out expired blocks. Keywords: Land Registration, Legal Certainty, Rightsholders, Blocking of Land Rights Certificates, Position of Rightsholders
PENYELESAIAN KREDIT MACET PT. BPR ARTO MORO SEMARANG MELALUI EKSEKUSI HAK TANGGUNGAN Fandil, Fandil; Fitika Andraini
Jurnal Ilmiah Dinamika Hukum Vol 22 No 1 (2021): Vol. 22 No. 1 Edisi April 2021
Publisher : Fakultas Hukum Universitas Stikubank

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35315/dh.v22i1.8433

Abstract

The provision of credit / loans by credit-giving institutions, both banks and other financial institutions, is intended as an effort to make a profit, so the lending institution views credit / loans as a reliable source of income or profit. In connection with the issue of credit / loan provision, credit institutions such as PT. BPR Arto Moro Semarang as the party that lends money (creditors) needs to get a guarantee as a condition for the loan that the debtor will receive on condition that he gives interest when repaying the loan. In practice, the obstacles that PT. BPR Arto Moro Semarang, especially for debtors with guarantees by using the Deed of Providing Mortgage Rights (APHT) which is registered with the National Land Agency (BPN), if the credit is jammed and failed to promise, the bank will take the final step in accordance with applicable law, namely implementing execution of mortgage rights through the Office of State Wealth and Auction Services (KPKNL) or through the District Court (PN). The type of research used in this research is normative juridical. Juridical research, is used, among other things, to analyze various legal theories and laws and regulations related to the juridical review of the accounts payable agreement as a principal agreement with guarantees of insurance rights at PT. BPR Arto Moro Semarang. Juridical means that this research emphasizes the science of law. Meanwhile, normative is this research that examines the rules that apply in society. Thus normative juridical is an approach to the study of legal problems from the aspect of applicable legal regulations. The results of this study are: the settlement of bad credit tied to mortgage rights at PT. BPR Arto Moro Semarang after performing credit rescue through 3R (rechedulling, restructuring and reconditioning). Before the execution of mortgage rights is carried out, non-litigation measures by way of selling collateral based on mutual agreement based on paragraph (2) article 20 of the Mortgage Rights Law. During 2018 to 2020 Mortgage Execution can contribute to the settlement of non-performing loans as much as 45% or Rp. 15,731,212,000, - from an amount of Rp. 34,964,970,686, -. Meanwhile, the occurrence of bad credit is due to internal factors: a. Loans not fully channeled for business, b. Business management skills are still lacking, c. Very tight business competition. External factors are due to unstable economic conditions, which consequently have an impact on the ability of customers to pay off their debts. Keywords : Bad credit, collateral, execution, and mortgage.
PELAKSANAAN ROYA MELALUI SISTEM ELEKTRONIK TERHADAP HAK TANGGUNGAN AKIBAT KREDIT MACET DI KANTOR PERTANAHAN KABUPATEN BATANG Fenti Anita Sari; Fitika Andraini
Jurnal Ilmiah Dinamika Hukum Vol 22 No 2 (2021): Vol. 22 No. 2 Edisi Agustus 2021
Publisher : Fakultas Hukum Universitas Stikubank

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35315/dh.v22i2.8717

Abstract

Permen ATR/BPN 9/2019 is a provision regarding the implementation of roya electronically so that registration and deletion of roya can be reached easily, quickly, simply and at low cost. Roya which is done manually is different from electronic. The difference is that the file from the applicant is scanned and registered through the website and is directly corrected by the roya executor, not through the land counter. So that the Notary/PPAT does not have to come to the Land Office. After obtaining the certificate of land rights then it is given back to the certificate holder in this case is the creditor. If the deletion and registration of roya electronically has not been carried out even though the debt has been paid off, the land title certificate still contains a barcode record of encumbrance of Mortgage Rights. Based on the above, how is the implementation of the elimination of Roya Mortgage Electronically at the Land Office of Batang Regency? And what are the Inhibiting and Supporting Factors in the Implementation of Electronic Mortgage Elimination at the Land Office of Batang Regency?. The research method that will be used in this paper is a sociological juridical research method. The approach that the author uses in this study is a sociological juridical approach. The sociological juridical approach emphasizes research that aims to obtain legal knowledge empirically by going directly to the object. The implementation of the abolition of roya with the HT-el System at the Land Office of Batang City has not all been carried out in accordance with the procedures stated in the Technical Guidelines for HT-el. Application files that do not comply with procedures are known from the results of the inspection of the Land Office, if not checked, the HT-el certificate will be issued automatically on the seventh day. Issuance without any inspection from the Land Office if there is a procedural error, it is feared that it will become a problem in the future. Obstacles in HT registration with the HT-el System occur in PPAT, Banks as creditors and the Land Office. This obstacle arises during the HT registration process, both technically and non-technically. The electronic roya removal is carried out by the applicant, namely the debtor, proxy or representative by filling out an electronic application. If seen in practice, the Elimination of Roya electronically electronically or online is carried out through PPAT intermediaries at the PPAT office because PPAT who has a user name and password when accessing the registration system for the Elimination of Roya electronically in order to serve the needs of the community for the Elimination of Roya electronically through the online system still has both external and internal constraints. Keywords: Deletion, Roya, Online
IMPLEMENTASI UNDANG UNDANG NOMOR 20 Tahun 2001 TERHADAP MATA KULIAH PENDIDIKAN ANTI KORUPSI PADA MAHASISWA UNIVERSITAS STIKUBANK SEMARANG Dyah Listyorini; Adi Suliantoro; Fitika Andraini
Jurnal Pendidikan Kewarganegaraan Undiksha Vol. 9 No. 1 (2021): Februari, Jurnal Pendidikan Kewarganegaraan Undiksha
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jpku.v9i1.32723

Abstract

Undang-undang Nomor 20 Tahun 2001, tentang pemberantasan tindak pidana korupsi, bahwa tindak pidana korupsi itu sangat merugikan bagsa dan negara, karena menyangkut pelanggaran hak sosial dan ekonomi masyarakat secara luas, untuk itu perlu diberantas sedini mungkin diantaranya bisa melalui pemberian mata kuliah Pendidikan Anti Korupsi pada mahasiswa. Mahasiswa adalah generasi penerus bangsa yang cerdas serta memiliki jati diri yang berkeinginan untuk memajukan bangsa dan negaranya, melalui kiprahnya baik di lingkungan kampus maupun di lingkungan masyarakat. Melalui implementasi Undang-undang Nomor 20 Tahun 2001 pada mata kuliah Pendidikan Anti Korupsi diharapkan mahasiswa bisa menjadi agen perubahan untuk korupsi di Indonesia yang sudah sangat berbahaya dan sangat kritis bisa menjadi lebih baik. Implementasi adalah tindakan atau pelaksanaan dari sebuah rencana yang telah disusun dengan matang, cermat dan terperinci. Disini implementasi yang dimaksudkan adalah implementasi dari Undang Undang Nomer 20 tahun 2001 terhadap pendidikan anti korupsi yang diberikan kepada mahasiswa Unisbank Semarang.