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PERBANDINGAN PELAKSANAAN PROGRAM NASIONAL AGRARIA DAN PENDAFTARAN TANAH SISTEMATIS LENGKAP DI KOTA BATU Isdiyana Kusuma Ayu; Benny Krestian Heriawanto
Jurnal Hukum dan Kenotariatan Vol 3, No 2 (2019): Agustus
Publisher : Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (303.409 KB) | DOI: 10.33474/hukeno.v3i2.3375

Abstract

Pendaftaran Tanah Sistematis Lengkap (PTSL) merupakan salah satu program yang diselenggarakan oleh Pemerintah untuk membantu masyarakat dalam memperoleh sertipikat tanah yang sebelumnya bernama Proyek Operasi Nasional Agraria (1981) dan Program Nasional Agraria (2015). Kota Batu merupakan salah satu kota di Indonesia yang mengikuti PTSL untuk membantu masyarakat yang mayoritas di antara mereka belum mendaftarkan tanahnya ke kantor pertanahan Kota Batu. Tujuan penelitian ini yaitu mengetahui dan menganalisis perbandingan antara pelaksanaan Prona dan PTSL di Kota Batu. Metode analisis yang digunakan dalam penelitian ini yaitu penelitian yuridis-empiris dengan pendekatan yuridis-sosiologis. Prona di Kota Batu merupakan pendaftaran tanah sporadis, aturan terkait biaya yang ditarik dari masyarakat yang belum jelas, dan pengukuran hanya dilakukan terhadap obyek yang dimohonkan saja. Sedangkan PTSL bersifat sistematis, aturan yang jelas terkait penarikan biaya dari masyarakat, dan pengukuran dilakukan kepada seluruh bidang tanah dalam satu wilayah.Kata Kunci: Perbedaan, Persamaan, Pendaftaran Tanah Sistematis Lengkap, Program Nasional Agraria Systematic and Complete Land Registration (PTSL) is a program organized by the Government to assist the public in obtaining the certificate of the land that was formerly the National Agrarian Operation Project (1981) and National Programmes Agrarian (2015). Batu City is one of the cities in Indonesia that follow to help communities that PTSL majority among those yet to register their land to land the Batu City. The purpose of the research is to find out and analyze the comparison between the implementation of Prona and PTSL in Batu City. Methods of analysis used in this study i.e. the juridical research-empirical juridical approach-sociological. Prona in Batu City is the sporadic land register, related costs rules drawn from the communities that are not yet clear, and the measurements are only done to the object that appealed only. Whereas the systematic nature of PTSL, clear rules of withdrawal-related costs from the community, and the measurements are performed to the entire field of ground in one region.Keywords: Differences, Similarities, Systematic and Complete Land Registration, The National Agrarian Programmes
KEPASTIAN HUKUM PENDAFTARAN TANAH MELALUI PENDAFTARAN TANAH SISTEMATIS LENGKAP DI KOTA BATU Isdiyana Kusuma Ayu
Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada Vol 31, No. 3 (2019)
Publisher : Fakultas Hukum Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (410.096 KB) | DOI: 10.22146/jmh.41560

Abstract

AbstractSystematic and Complete Land Registration (PTSL) is a government program to implement single land mapping in Indonesia. The target of PTSL is only for uncertified land in a village or suburb. One of the areas implementing PTSL program is Batu City that had previously applied National Agrarian Operation Project (PRONA).  As a new registration system, PTSL is worthy to discuss and analyze whether or not systematic and complete land registration has already provided legal certainty for land owners. The method used in this research is juridical-empiric research method using juridical sociological approach. Legal data analysis used is by qualitative descriptive analysis method. According to the research result and analysis, it can be concluded that there are many hindering factors experienced by Agrarian Office of Batu City, PTSL participants and village officials in Batu City. Land registration through PTASL program is, however, still substantial in providing legal certainty for all participants. This is because land certificates that are issued from PTSL is signed by Adjudication Committee Chief.  IntisariPendaftaran Tanah Sistematis Lengkap (PTSL) merupakan program pemerintah untuk mewujudkan peta tunggal di Indonesia. Sasaran PTSL yaitu bidang tanah yang belum memiliki sertifikat dalam satu kelurahan atau desa. Salah satu daerah yang mengikuti Program PTSL yaitu Kota Batu yang sebelumnya juga mengikuti Proyek Operasi Nasional Agraria (PRONA). Sebagai sistem pendfataran yang baru, PTSL menarik untuk dikaji dan dianalisis agar dapat diketahui faktor penghambat dan pendukung dalam pelaksanaan, perlu pula dikaji dan dianalisis apakah pendaftaran tanah sistematis lengkap telah memberikan kepastian hukum kepada pemilik tanah. Metode penelitian yang digunakan yaitu metode penelitian yuridis empiris dengan menggunakan metode pendekatan yuridis sosiologis. Analisis data hukum menggunakan metode analisis deskriptif kualitatif. Berdasarkan hasil kajian dan analisis dapat disimpulkan bahwa banyak ditemukan faktor penghambat yang muncul dari pihak Kantor Pertanahan Kota Batu, Peserta PTSL, dan pihak Desa atau Kelurahan di Kota Batu. Pendaftaran tanah melalui Program PTSL tetap memberikan kepastian hukum kepada pesertanya. Sertifikat yang diterbitkan melalui PTSL ditandatangani oleh Ketua Panitia Ajudikasi.  
Perlindungan Hukum Terhadap Pelaku Usaha Penanaman Modal Usaha Industri Beralkohol Ulfah Fauziah; Suratman Suratman; Isdiyana Kusuma Ayu
Yurispruden: Jurnal Fakultas Hukum Universitas Islam Malang Vol 5, No 1 (2022): Yurispruden: Jurnal Fakultas Hukum Universitas Islam Malang
Publisher : Fakultas Hukum Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (3147.313 KB) | DOI: 10.33474/yur.v5i1.14311

Abstract

The legal vacuum occurred before the enactment of a replacement regulation regarding new investment in the alcoholic industry, until the ratification of Presidential Regulation Number 49 of 2021, especially on the issue of the validity of regulations and legal protection for investment business actors, for this reason it is necessary to analyze how legal protection is for business actors and legality of investment regulations in the alcoholic industry after the amendment of Presidential Regulation Number 10 of 2021 through normative juridical research, legal approaches and concepts. Based on the research results, the legal protection of business actors is based on Law Number 8 of 1999 concerning Consumer Protection. Legality of Investment is legal, based on Law Number 25 of 2007 concerning Investment, but new investment in the alcoholic industry is not reopened based on Presidential Regulation Number 49 of 2021 concerning Amendments to Presidential Regulation Number 10 of 2021 concerning Business Fields Capital investment.
Peningkatan Kesadaran Hukum tentang Konsep dan Problematika Pelaksanaan Hukum Gadai Isdiyana Kusuma Ayu
Jurnal Dedikasi Hukum Vol. 1 No. 1 (2021): April 2021
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (430.117 KB) | DOI: 10.22219/jdh.v1i1.16344

Abstract

Masyarakat yang menjaminkan barangnya dalam gadai gelap banyak mengalami kerugian. Dari praktik gadai gelap itulah yang dapat menimbulkan bunga dalam kegiatan gadai yang tidak sesuai, sehingga dalam hal ini bermasalah. Penyuluhan hukum gadai ini dilaksanakan dengan penggalian informasi, pengindetifikasian permasalahan yang sering terjadi di dalam masyarakat sehingga dapat memberikan arahan penyelesaian hukum secara tepat, tahap penyuluhan hukum terkait konsep gadai untuk memberitahukan informasi hukum kepada masyarakat dan segala problematika hukumnya agara secara praktis dapat dipahami hukum dan penyelesaiannya oleh masyarakat, dan tahap evaluasi dari penyuluhan hukum agar dapat mengetahui tingkat pemahaman masyarakat dari interaksi tanya-jawab. Berdasarkan hasil evaluasi kegiatan maka didapatkan hasil bahwa terjadi peningkatan keilmuwan dan pemahaman peserta penyuluhan hukum gadai dalam hal: 1) Pengetahuan problematika yang seringkali muncul dalam pegadaian; 2) Aspek hukum gadai; 3) hak dan kewajiban para pihak dalam gadai; dan 4) pengetahuan hak debitur ketika terjadi pelunasan hutang dengan jaminan gadai. Improving Legal Awareness About The Concept and Problematics Of Implementing Pawn Law. People who pledge their goods under illegal pawning suffer a lot of losses. It is this illegal pawning practice that can lead to interest in unsuitable pawning activities, so that in this case there is a problem. Pawning legal counseling is carried out by extracting information, identifying problems that often occur in society so that it can provide direction for legal settlement appropriately, legal counseling stages related to the concept of pawning to notify legal information to the public and all legal problems so that the law can be practically understood and its resolution by the community, and the evaluation stage of legal education in order to know the level of community understanding of the question-and-answer interaction. Based on the results of the evaluation of activities, it was found that there was an increase in the knowledge and understanding of the participants of the pawning law counseling in terms of: 1) Knowledge of problems that often arise in pawnshops; 2) legal aspects of pawning; 3) rights and obligations of the parties in the pledge; and 4) knowledge of the debtor's rights when there is repayment of the debt with a pledge guarantee.
IMPLEMENTASI PASAL 40 AYAT (1) PERATURAN PEMERINTAH NOMOR 24 TAHUN 1997 TENTANG PENDAFTARAN TANAH TERKAIT PENDAFTARAN AKTA PEJABAT PEMBUAT AKTA TANAH (Studi di Kantor Pertanahan dan Kantor Notaris/PPAT Kabupaten Malang) Zakiya Kusuma Wardhani; Isdiyana Kusuma Ayu
Dinamika Vol 28, No 15 (2022): Dinamika
Publisher : Fakultas Hukum Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (326.431 KB)

Abstract

ABSTRACT               Not later than 7 (seven) working days from the date of signing the deed in question, the land deed official is obligated to submit the deed he made along with the relevant documents to the Land Office for registration. What if this is not done by the land deed official or it is late due to negligence, then are there special sanctions against the land deed official in question. The problems discussed are (1) How is the implementation of Article 40 section (1) of Government Regulation No. 24 of 1997 concerning Land Registration by land deed official at the Office of the National Land Agency? (2) What are the legal consequences for land deed official if they do not carry out land registration in accordance with Article 40 section (1) of Government Regulation No. 24 of 1997 concerning Land Registration?The research method used in this research is empirical juridical, with a sociological juridical approach, while the data analysis is done descriptive-qualitatively. From the results of the research, it can be concluded that (1) the implementation of Article 40 section (1) of Government Regulation Number 24 of 1997 concerning Land Registration by land deed official at the Land Office (BPN), no one is on time to meet the deadline of 7 (seven) working days, such as which is mandated by Government Regulation Number 24 of 1997. (2) The legal consequence for land deed official if it does not register land in accordance with Article 40 section (1) Government Regulation Number 24 of 1997 concerning Land Registration, is in the form of a warning and an obligation to make a certificate or statement of delay.  Keywords: Implementation, Legal Consequences, Land deed official, Land Registration.  ABSTRAKSelambat-lambatnya 7 (tujuh) hari kerja sejak tanggal ditandatanganinya akta yang bersangkutan, PPAT wajib menyampaikan akta yang dibuatnya berikut dokumen-dokumen yang bersangkutan kepada Kantor Pertanahan untuk didaftar. Bagaimana jika hal tersebut tidak dilakukan oleh PPAT atau terlambat karena kelalaiannya, maka apakah ada sanksi khusus terhadap PPAT yang bersangkutan. Adapun masalah yang dibahas adalah (1) Bagaimana implementasi Pasal 40 ayat (1) Peraturan Pemerintah Nomor 24 Tahun 1997 tentang Pendaftaran Tanah oleh PPAT di Kantor Badan Pertanahan Nasional? (2) Apa akibat hukumnya bagi PPAT apabila tidak melakukan pendaftaran tanah sesuai Pasal 40 ayat (1) Peraturan Pemerintah Nomor 24 Tahun 1997 tentang Pendaftaran Tanah ? Metode penelitian yang digunakan dalam penelitian ini adalah yuridis empiris dengan pendekatan yuridis sosiologis dan dianalisis secara deskriptif kualitatif. Dari hasil penelitian dapat disimpulkan bahwa (1) Implementasi Pasal 40 Ayat (1) Peraturan Pemerintah Nomor 24 Tahun 1997 Tentang Pendaftaran Tanah Oleh PPAT di Kantor Pertanahan/BPN, tidak ada yang tepat waktu memenuhi tenggat waktu selama 7 (tujuh) hari kerja, seperti yang diamanatkan oleh Peraturan Pemerintah Nomor 24 Tahun 1997. (2) Akibat hukumnya bagi PPAT apabila tidak melakukan pendaftaran tanah sesuai Pasal 40 Ayat (1) Peraturan Pemerintah Nomor 24 Tahun 1997 Tentang Pendaftaran Tanah, adalah berupa teguran dan kewajiban membuat surat keterangan atau surat pernyataan keterlambatan. Kata Kunci: Implementasi, Akibat Hukum, PPAT, Pendaftaran Tanah. 
IMPLEMENTASI PASAL 40 AYAT (1) PERATURAN PEMERINTAH NOMOR 24 TAHUN 1997 TENTANG PENDAFTARAN TANAH TERKAIT PENDAFTARAN AKTA PEJABAT PEMBUAT AKTA TANAH (Studi di Kantor Pertanahan dan Kantor Notaris/PPAT Kabupaten Malang) Zakiya Kusuma Wardhani; Isdiyana Kusuma Ayu; Pinastika Prajna Paramita
Dinamika Vol. 28 No. 15 (2022): Dinamika
Publisher : Fakultas Hukum Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

ABSTRACT               Not later than 7 (seven) working days from the date of signing the deed in question, the land deed official is obligated to submit the deed he made along with the relevant documents to the Land Office for registration. What if this is not done by the land deed official or it is late due to negligence, then are there special sanctions against the land deed official in question. The problems discussed are (1) How is the implementation of Article 40 section (1) of Government Regulation No. 24 of 1997 concerning Land Registration by land deed official at the Office of the National Land Agency? (2) What are the legal consequences for land deed official if they do not carry out land registration in accordance with Article 40 section (1) of Government Regulation No. 24 of 1997 concerning Land Registration?The research method used in this research is empirical juridical, with a sociological juridical approach, while the data analysis is done descriptive-qualitatively. From the results of the research, it can be concluded that (1) the implementation of Article 40 section (1) of Government Regulation Number 24 of 1997 concerning Land Registration by land deed official at the Land Office (BPN), no one is on time to meet the deadline of 7 (seven) working days, such as which is mandated by Government Regulation Number 24 of 1997. (2) The legal consequence for land deed official if it does not register land in accordance with Article 40 section (1) Government Regulation Number 24 of 1997 concerning Land Registration, is in the form of a warning and an obligation to make a certificate or statement of delay.  Keywords: Implementation, Legal Consequences, Land deed official, Land Registration.  ABSTRAKSelambat-lambatnya 7 (tujuh) hari kerja sejak tanggal ditandatanganinya akta yang bersangkutan, PPAT wajib menyampaikan akta yang dibuatnya berikut dokumen-dokumen yang bersangkutan kepada Kantor Pertanahan untuk didaftar. Bagaimana jika hal tersebut tidak dilakukan oleh PPAT atau terlambat karena kelalaiannya, maka apakah ada sanksi khusus terhadap PPAT yang bersangkutan. Adapun masalah yang dibahas adalah (1) Bagaimana implementasi Pasal 40 ayat (1) Peraturan Pemerintah Nomor 24 Tahun 1997 tentang Pendaftaran Tanah oleh PPAT di Kantor Badan Pertanahan Nasional? (2) Apa akibat hukumnya bagi PPAT apabila tidak melakukan pendaftaran tanah sesuai Pasal 40 ayat (1) Peraturan Pemerintah Nomor 24 Tahun 1997 tentang Pendaftaran Tanah ? Metode penelitian yang digunakan dalam penelitian ini adalah yuridis empiris dengan pendekatan yuridis sosiologis dan dianalisis secara deskriptif kualitatif. Dari hasil penelitian dapat disimpulkan bahwa (1) Implementasi Pasal 40 Ayat (1) Peraturan Pemerintah Nomor 24 Tahun 1997 Tentang Pendaftaran Tanah Oleh PPAT di Kantor Pertanahan/BPN, tidak ada yang tepat waktu memenuhi tenggat waktu selama 7 (tujuh) hari kerja, seperti yang diamanatkan oleh Peraturan Pemerintah Nomor 24 Tahun 1997. (2) Akibat hukumnya bagi PPAT apabila tidak melakukan pendaftaran tanah sesuai Pasal 40 Ayat (1) Peraturan Pemerintah Nomor 24 Tahun 1997 Tentang Pendaftaran Tanah, adalah berupa teguran dan kewajiban membuat surat keterangan atau surat pernyataan keterlambatan. Kata Kunci: Implementasi, Akibat Hukum, PPAT, Pendaftaran Tanah. 
Legality Of Land And Building Objects In The Tomb Of Ki Ageng Gribig, Malang City Isdiyana Kusuma Ayu; Pinastika Prajna Paramitha; Lina Alfiana; Isdian Anggraeny
Widya Yuridika Vol 6, No 1 (2023): Widya Yuridika: Jurnal Hukum
Publisher : Universitas Widya Gama Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/wy.v6i1.4030

Abstract

The Ki Ageng Gribig Tomb area is planned to be developed as a santri village that presents a village model that carries a religious theme. People come to travel or to trade around the area. Merchants who will sell around the tomb area of Ki Ageng Gribig will live on land. If it lasts for a long time, the merchant will use a vacant lot to sell and will harm the original owner. So it is necessary to have awareness of the indigenous people living in the area around the ki Ageng Gribig tomb area to have proof of land ownership rights. The purpose of the study was to find out and analyze related to evidence of land ownership owned by the community living around the Tomb of Ki Ageng Gribg. Another purpose is to describe the urgency of ownership of the legality of land or buildings for people living around the Ki Ageng Gribig Tomb area. This research uses empirical juridical research methods with a sociological juridical approach. The result of this study is that before the birth of uupa, residents who lived around the Tomb area of Ki Ageng Gribig already had proof of rights in the form of eigendom rights and had been converted into property rights. The ownership of evidence of land ownership is very important because residents will get their full rights if one day the development of the Ki Ageng Grbig Tomb Area takes place. The certificate of land rights will be strong evidence for those who hold it, so that when the development of the Ki Ageng Gribig tomb area becomes a religious tourism village, the surrounding community will get reimbursement by the provisions of the Land Acquisition.
Perlindungan Hukum Terhadap Pelaku Usaha Penanaman Modal Usaha Industri Beralkohol Ulfah Fauziah; Suratman Suratman; Isdiyana Kusuma Ayu
Yurispruden: Jurnal Fakultas Hukum Universitas Islam Malang Vol 5 No 1 (2022): Yurispruden: Jurnal Fakultas Hukum Universitas Islam Malang
Publisher : Fakultas Hukum Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/yur.v5i1.14311

Abstract

The legal vacuum occurred before the enactment of a replacement regulation regarding new investment in the alcoholic industry, until the ratification of Presidential Regulation Number 49 of 2021, especially on the issue of the validity of regulations and legal protection for investment business actors, for this reason it is necessary to analyze how legal protection is for business actors and legality of investment regulations in the alcoholic industry after the amendment of Presidential Regulation Number 10 of 2021 through normative juridical research, legal approaches and concepts. Based on the research results, the legal protection of business actors is based on Law Number 8 of 1999 concerning Consumer Protection. Legality of Investment is legal, based on Law Number 25 of 2007 concerning Investment, but new investment in the alcoholic industry is not reopened based on Presidential Regulation Number 49 of 2021 concerning Amendments to Presidential Regulation Number 10 of 2021 concerning Business Fields Capital investment.
Education and Mentoring About Cyberbullying Through Law of Information and Electronic Transaction and Islamic Teaching to “Generation Z” Pinastika Prajna Paramita; Isdiyana Kusuma Ayu; Muntaha Muntaha; Rangga Sa'adillah S.A.P.
Engagement: Jurnal Pengabdian Kepada Masyarakat Vol 5 No 2 (2021): November 2021
Publisher : Asosiasi Dosen Pengembang Masyarajat (ADPEMAS) Forum Komunikasi Dosen Peneliti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/engagement.v5i2.929

Abstract

The purposes of this mentoring are obtained education about perspective of cyberbullying through Law of Information and Electronical Transaction (A.K.A. UU ITE) and Fatwa MUI Number 24 Year 2017 to students that incidentally called “Generation Z”, a generation that cannot be separated from social media in their lives. The method that used in this mentoring is education in the form of training with model of participatory. It educates more motivating participants actively, not only knowledge transferring but it emphasizes on question and answers, discussion and reflection even though the interest of the students is limit, considering those activities were conducted on Zoom Application. This mentoring was succeeded to change the point of view of students that cyberbullying is a common view, cyber joke is a behaviour that must be avoided because it has an impact on juvenile delinquency, adult crime, domestic violence and suicide. It also creates friendship feud).
Non-Performing Loan Settlement by Fintech Lending in Unsecured Credit Sale and Purchase Transactions: To Do or Not to Do Anggraeny, Isdian; Ayu, Isdiyana Kusuma; Rahmah, Sintia; Nur, Asrul Ibrahim; Wulandari, Siti
Indonesia Law Reform Journal Vol. 3 No. 3 (2023): November 2023
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/ilrej.v3i3.30160

Abstract

PT Shopee International Indonesia is a company that focuses on digital applications, especially e-commerce, and is one of the largest online marketplaces in Indonesia. This online shopping system offers the latest innovations in credit-based payment methods without collateral, such as pay later, along with the advancement of the digital world. This research seeks to find out the procedures for implementing transactions, resolving non-performing loans, and legal protection provided to Fintech Lending (financial technology) organizers in Shopee Pay-Later. This includes identifying the rights and obligations of the parties involved, as well as the legal consequences of the Shopee Pay-later credit financing agreement. The research uses an empirical legal research method, which uses a problem-solving approach to data collected from observations and study findings. The research findings show that in order to finance a Shopee Pay-later unsecured credit agreement, buyers must electronically sign an agreement confirming that they accept its terms. The parties are obligated by the terms of the agreement, under which they must not contravene the relevant laws and regulations and must fulfil their rights and obligations according to the financing agreement. The district court or arbitration can be used to sue either party if they commit a default, as specified in Article 1243 of the Civil Code, or violate the law, as specified in Article 1365 of the Civil Code.   Abstrak Shopee International Indonesia adalah perusahaan yang fokus pada aplikasi digital, terutama e-commerce, dan merupakan salah satu pasar online terbesar di Indonesia. Sistem belanja online ini menawarkan inovasi terbaru dalam metode pembayaran berbasis kredit tanpa agunan, seperti bayar di belakangan, seiring dengan kemajuan dunia digital. Tujuan dari penelitian ini adalah untuk mengetahui tata cara pelaksanaan transaksi, penyelesaian kredit macet, dan perlindungan hukum yang diberikan kepada penyelenggara Fintech Lending (financial technology) di Shopee Pay-later. Hal ini termasuk mengidentifikasi hak dan kewajiban para pihak yang terlibat, serta akibat hukum dari adanya perjanjian pembiayaan kredit Shopee Pay-later. Penelitian menggunakan metode penelitian hukum empiris, yaitu dengan menggunakan pendekatan pemecahan masalah terhadap data yang dikumpulkan melalui pengamatan dan temuan studi. Temuan penelitian menunjukkan bahwa untuk membiayai perjanjian kredit tanpa jaminan Shopee Pay-later, pembeli harus menandatangani perjanjian secara elektronik yang mengonfirmasi bahwa mereka menerima persyaratannya. Para pihak diwajibkan oleh ketentuan perjanjian, yang berarti mereka tidak boleh bertentangan dengan hukum dan peraturan yang relevan dan harus memenuhi hak dan kewajiban mereka sesuai dengan perjanjian pembiayaan. Pengadilan negeri atau arbitrase dapat digunakan untuk menuntut salah satu pihak jika mereka melakukan wanprestasi, seperti yang ditentukan dalam Pasal 1243 KUH Perdata, atau melanggar hukum, seperti yang ditentukan dalam Pasal 1365 KUH Perdata.