Claim Missing Document
Check
Articles

PERLINDUNGAN KONSUMEN ATAS PENJAMINAN MUTU MAKANAN LONTONG PLASTIK YANG BEREDAR DI PASARAN DITINJAU DARI UNDANG-UNDANG NOMOR 8 TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN DI KECAMATAN TAMPAN Dedek Suci Andriani; Maryati Bachtiar; Riska Fitriani
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 5, No 1 (2018): Wisuda April 2018
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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

Abstract

One of the products of technological sophistication is plastic packaging,packaging often used by business actors to pack food. The advantages of plasticpackaging itself is impressed practical, simple, and clean. However, the actual plasticpackaging can endanger health if used in hot temperatures is to pack lontong whoparticipated in the manufacturing process (boiling / steaming). This is very consumerhealth and has violated Article 4 Letter (a) Law Number 8 Year 1999 on ConsumerProtection namely: Right to comfort, safety, and safety in consuming goods andservices. The purpose of writing this thesis, namely: First, consumer protectionplastic food lontong in Kecamatan Tampan. Secondly, the responsibility of businessactors selling plastic lontong food based on Law Number 8 of 1999 on ConsumerProtection.This type of research can be classified in the type of sociological research,because in this study the authors directly conduct research spaciousness. Researchlocation and population along with samples in this writing is on Consumer, andLontong Plastic Food Seller in Kecamatan Tampan Pekanbaru City. The data sourcesconsist of primary data and secondary data, data collecting technique throughinterview and distributing questionnaires to consumers as respondents andDiscussion to Central Supervisor of Drugs and Food as practitioners in the field.From the results of research problems there are two main things that can beconcluded. First, the Consumer Protection of plastic lontong food in KecamatanTampan, that consumers are not aware of any harm or impact of consuming plasticlontong food, with the fact that consumers' knowledge of their rights protected by lawis still lacking. Second, the responsibility of the seller of lontong food seller businesspursuant to Law Number 8 Year 1999 concerning Consumer Protection for damage,pollution, or consumer loss due to consuming goods and services. Suggestion,consumers are expected to be more independent and can protect themselves from theexistence of things that can harm consumers. Better business people selling lontongfood better cook lontong by using banana leaves or ketupat. Besides, it is expectedthat the development and training of consumers and supervision of the SupervisoryAgency for Drugs and Food on consumers of business actors who have harmed theconsumers.Keywords: Consumer Protection, Plastic Lontong Food
PENGGUNAAN LOGO PERTAMINA OLEH PELAKU USAHA PENJUALAN BBM PERTAMINI TANPA IZIN PEMEGANG HAK MEREK (StudiKasus: Desa Tanjung Bungo Kecamatan Kampar Timur) Saskia Pratiwi; Firdaus '; Maryati Bachtiar
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 5, No 2 (2018): Juli - Desember
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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

Abstract

Substantially, the notion of Intellectual Property Rights (hereinafterreferred to as IPRs) can be described as property rights arising or born due tohuman intellectual ability and IPR to discuss patents, trademarks and designs.Intellectual property rights are intangible objects resulting from humanintellectual activities which are expressed in a particular form of creation ordiscovery. Intellectual activity (creativity) is found in the fields of science, art andtechnology. In terms of law, it must be known that what is protected by law is IPR,not material in the form of IPR incarnationThe purpose of writing this thesis, namely; First, the impact of the use ofthe Pertamina logo used by business people without the permission of the brandrights holder, second, the efforts made by PT. Pertamina in overcoming the use ofthe logo used first.From the results of this study there are two main points that can bededuced: First, the impact of using the logo used by the first without the license orlicense of the holder of the trademark causes loss to PT. Pertamina, the first kioskowner and consumer. PT. Pertamina suffered material and immaterial losses. Inmaterial losses are experienced by PT. Pertamina with a significant cost due tothe accumulation of fuel oil caused by the kiosk, so that PT. Pertamina continuesto produce premium types of fuel oil. While immaterial loss is the seizure of brandrights that have been owned by PT. Pertamina which has been registered before.
PUTUSAN PENGADILAN HUBUNGAN INDUSTRIAL DI PENGADILAN NEGERI PEKANBARU TERHADAP PEMENUHAN HAK PEKERJA PADA SENGKETA PEMUTUSAN HUBUNGAN KERJA Dania Sabilah Farina; Maryati Bachtiar; Riska Fitriani
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 7, No 2 (2020): Juli - Desember 2020
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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

Abstract

Law Number 13 Year 2003 concerning Manpower regulates layoffs. As for the rights incurred after the termination of employment which were incurred after the termination of employment received by workers / laborers in the form of rights to money / wages which include process wages, severance pay, awards and compensation compensation. Settlement of PHK Disputes is the authority of the Industrial Relations Court at the local District Court. The purpose of this thesis is; First, to find out the decision of the industrial relations court judge in Pekanbaru District Court number: 103 / Pdt.sus-PHI / 2018 / PN.Pbr is in accordance with the theory of justice; Second, to find out the industrial relations court decision in Pekanbaru District Court number: 103 / Pdt.sus-PHI / 2018 / PN.Pbr has provided legal certainty.This type of research is classified in the type of Normative Law research, namely legal research conducted by examining library materials or secondary data. The study was conducted at the Pekanbaru District Court. The data source used is secondary data and is supported by primary data using interview techniques. Data collection techniques used are from the study of documents or library materials, then the data are analyzed qualitatively obtained from secondary data.Based on the research results, there are 2 main things that can be concluded, first, the decision of the industrial relations court in the Pekanbaru District Court Number: 103 / Pdt.sus-PHI / 2018 / PN.Pbr, the judges have given justice to the parties, especially the workers , because the plaintiff's initial lawsuit requested that the employment relationship be broken since October 31, 2018 and was granted by the judge, so that the workers' rights only until October 31, 2018 included process wage rights which were also requested to be granted in the lawsuit, so article 155 of Law Number 13 of 2003 concerning Manpower cannot be a guideline for judges. Second, the Panel of Judges has decided that the decision has provided legal certainty to the parties, as explained by Hans Kelsen and Soedikno Mertokusumo, that legal certainty is a written law. The initial claim to terminate the employment relationship since 31 October 2018 was granted by the panel of judges, so that normative rights and other rights including the right to process wages were also requested by the plaintiff in his claim only until 31 October 2018. The author's suggestion, the plaintiff should have asked for a termination of employment relations until a court decision has permanent legal force, so that the provisions in Article 155 Paragraph 2 of Law Number 13 of 2003 concerning Manpower and the Decision of the Constitutional Court Number 37 / PUU-IX / 2011 concerning Application for Judicial Review of Law Number 13 of 2003 concerning Manpower and Article 16 paragraph 1 of the Decree of the Minister of Manpower Number Kep.150 / Men / 2000 of 2000 can be a guideline for judges to grant process fees.Keywords: Layoffs by Workers - PHI Decisions - Process Wages.
PELAKSANAAN LELANG EKSEKUSI PADA PT. BANK DANAMON INDONESIA TBK DSP CLUSTER PEKANBARU MELALUI KPKNL (KANTOR PELAYANAN KEKAYAAN NEGARA DAN LELANG) Yulsandi Pramana Putra; Maryati Bachtiar; Riska Fitriani
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 4, No 1 (2017): Wisuda April 2017
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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

Abstract

Setiap pembangunan nasional khususnya di bidang ekonomi, memerlukan perhatian yang serius dari negara melalui pemerintah untuk kepentingan rakyat Indonesia, karena itu dalam pelaksanaannya haruslah berada di jalur hukum. Dalam hal perkembangan kebutuhan dan peningkatannya, di perlukan dana yang merupakan salah satu pendukung untuk menggerakkan kegiatan masyarakat di bidang ekonomi, Setiap kegiatan pembangunan nasional, tidak akan terlepas dari aspek hukum. Salah satu sarana yang mempunyai peran penting dalam pengadaan dana tersebut adalah Bank, Bank tidak hanya berfungsi sebagai penghimpun dan penyalur dana bagi masyarakat, tetapi juga memberikan jasa kredit kepada nasabahnya yang merupakan bagian dari usaha bank. Dalam hal ini terjadi hubungan antara pelaku ekonomi dengan pihak perbankan. Pihak bank dalam memberikan kredit atau meminjamkan modal tentunya mensyaratkan adanya jaminan bagi pemberian kredit tersebut sebagai pengamanan dan kepastian akan kredit yang diberikan tersebut, karena tanpa adanya pengamanan bank akan sulit menghindari resiko yang terjadi sebagai akibat dari kreditur yang wanprestasi.Permasalahan yang penulis angkat adalah tentang proses pelaksanaan lelang eksekusi pada PT. Bank Danamon TBK DSP Cluster Pekanbaru melalui KPKNL (Kantor Pelayanan Kekayaan Negara dan Lelang). Permasalahan yang terjadi di PT. Bank Danamon Indonesia Tbk adalah tidak semua kredit yang dikeluarkan oleh PT. Bank Danamon Tbk berakhir dengan lancar. Sering timbul permasalahan bahwa debitur telat membayar angsuran kredit yang biasa disebut dengan NPL (Non Perfoming Loan). Apabila debitur cidera janji, pemegang hak tanggungan pertama mempunyai hak untuk menjual objek hak tanggungan atas kekuasaan sendiri melalui pelelangan umum dalam hal ini adalah pihak KPKNL.Penulis melakukan wawancara langsung dengan Cluster Manager PT. Bank Danamon Indonesia Tbk DSP Cluster Pekanbaru, guna untuk mendapatkan informasi yang dapat digunakan sebagai bahan penelitian penulisan ini. Jenis penelitian yang dilakukan penulis dapat diklasifikasikan sebagai penelitian kualitatif, yang dimana selain melakukan wawancara dengan pihak terkait dari PT. Bank Danamon Indonesia Tbk DSP Cluster Pekanbaru penulis juga mengunjungi langsung lokasi yang menjadi objek lelang, penulis juga melakukan beberapa studi literatur.Kata Kunci: Kredit – Jaminan – Lelang – Eksekusi
TINJAUAN YURIDIS TERHADAP PUTUSAN PENGADILAN AGAMA PEKANBARU TERHADAP PERCERAIAN TANPA IKRAR TALAK (Studi Putusan Nomor : 0600/Pdt.G/2015/PA.Pbr) Nurlia '; Maryati Bachtiar; Ulfia Hasanah
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 5, No 1 (2018): Wisuda April 2018
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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

Abstract

Article 1 of Law Number 1 Year 1974 Concerning Marriage affirms,marriage is the inner birth bond between a man and a woman as husband andwife, with the aim of forming a happy and eternal family (household) based on thedivinity of the One Supreme. However, maintaining a household is not easy. Thebreakup of marriage for three reasons, namely divorce, death and court decisions.Literally, talak means freelance and freedom. Divorce divided again that is,divorce raj'i or divorce 1, may refer before the iddah ends. Divorce ba'in small ordivorce 2 which in the sense can still be re-referenced, and divorce ba; in sughratalak 3 can not return before ex-wife married to another man and divorced.The consideration of the judges of the Religious Courts of Pekanbaru inhandling divorce cases without the pledge of divorce which the authors obtainedfrom the copy of number 0600 / Pdt.G / 2015 / PA.Pr., Is the verdict of the trial ofthe pledge of divorce between the applicant, Efendi bin Zahar Labai with theRespondent Neli Ernawati bint Syahril. Whereas in the rule of Islamic law if therequirements of divorce are fulfilled then divorce has been considered fallen. Inthis case Efendi bin Zahar Labai and Neli Ernawati bint Syahril have been legallydivorced according to Islam but there is still a legitimate marriage bond betweenthem. According to a positive judicial review, the judges consider no divorcebetween the applicant and the requested party, as the appellant of therepresentative / his proxy does not come to the pledge of divorce even afterexceeding the 6 (six) month period. According to the authors this does not givecertainty to the petitioners for their status, their divorce is not legitimate in theeyes of law because divorce is considered lawful if it has been decided by thecompetent court and also executed in accordance with the applicable law, butaccording to Islamic Shari'a still has fall of divorce to wife.Keywords: Divorce_ Pledge of Talak
PELAKSANAAN TANGGUNG JAWAB PENGEMBANG (DEVELOPER) DALAM PEMENUHAN SERTIFIKAT KEPEMILIKAN RUMAH KEPADA PEMBELI RUMAH BERDASARKAN PERJANJIAN PENGIKATAN JUAL BELI PERUMAHAN Vina Septhiani Muthia; Maryati Bachtiar; Dasrol Dasrol
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 7, No 1 (2020): Januari - Juni 2020
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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

Abstract

The need for housing as a residence or residence, both in urban and rural areas continues to increase. Various ways can be done to get land rights, one of which is commonly done is by buying and selling. Buying and selling which is an agreement between two parties that sell and the other party that purchases where in the transaction makes an agreement that contains the rights and obligations of both of which are stated in the binding agreement of sale and purchase. The time factor in an agreement is very important because it is an achievement of the parties to carry out what has been agreed by the parties. Implementation of the fulfillment of the contents of the agreement by the parties is also very important so that the agreement is carried out and not defaulted. So that the parties can take responsibility according to their rights and obligations in the agreement until the sale and purchase is complete.The purpose of this study is to find out and examine the process of fulfilling a home ownership certificate to a home buyer based on an agreement to buy and sell housing associated with defaults made in the agreement and to determine the developer's responsibility towards the home buyer in fulfilling the home ownership certificate to the home buyer based on agreement to buy and sell housing.In this research, a sociological approach is used to see the correlation between the agreements made by the developer and the home buyer through the sale and purchase agreement (PPJB) in terms of fulfilling their responsibilities and responsibilities. Research is descriptive, using primary, secondary and tertiary legal materials with data collection techniques in the form of interviews and literature studies and analyzed qualitatively. In drawing conclusions researchers use deductive thinking methods.The sale and purchase agreement of houses in Prima Indah housing between the developers of PT Deputirindo Prima Mandiri and the home buyers did not run in accordance with the binding purchase agreement (PPJB) agreed by the parties. The developer cannot submit the house certificate as physical proof of the transfer of ownership of the house to several buyers even though the buyer has paid off his obligations. And in the implementation of the fulfillment of this certificate can not be done because of financial problems between the developer and the previous land owner. This study also saw that the developer (developer) could not carry out its responsibilities to fulfill obligations in the process of buying and selling carried out based on a binding purchase agreement (PPJB) agreed by the partiesKeywords: Agreement, Responsibility, Developer (Developer), Housing, Binding Agreement of Purchase (PPJB)
ANALISIS YURIDIS MENGENAI BENTUK PERLINDUNGAN RAHASIA BANK DAN SANKSI TERHADAP PELANGGARAN RAHASIA BANK Tumpak Hasiholan Manurung; Maryati Bachtiar; Dasrol '
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 2, No 2 (2015): Wisuda Oktober 2015
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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

Abstract

Banking is everything that concerns about banks, including institutional,business activities, as well as the manner and process of operation. To avoidmisuse of customer financial hence made a special rule that prohibits banks toprovide recorded information to anyone associated with the customer's financialsituation, savings and storage as set out in Pasal 1 angka 28 Undang-UndangNomor 10 Tahun 1998 tentang Perubahan Atas Undang-Undang Nomor 7 Tahun1992 tentang Perbankan, which states that bank secrecy is everything related tothe storage of information about your customers and their savings. The purpose ofthis thesis is to investigate the problems Banking Act already provides legalcertainty regarding the form of protection that is done by the banks to protectconfidential client or not, as well as the Banking Act already provides legalcertainty in terms of sanctions for the banks were negligent in maintainingbanking secrecy or not.This type of research can be classified into types of normative legalresearch, since the study was conducted by collecting data in the literature(library research) accompanied by collecting data and read through regulatoryreferences, magazines, the internet and other sources, and then selected the data -the data is worth to support writing.From the research problem there are 2 main things that can be inferred.First, the Banking Act not provide legal certainty regarding the form of banksecrecy protection carried out by the bank in secrecy customers. Second, theBanking Act not provide legal certainty in terms of sanctions for the banks werenegligent in maintaining banking secrecy. Suggestions Author, First, the need forthe addition of a form of protection provided by the banks to customers about theconfidentiality of Undang-Undang Nomor 10 Tahun 1998 tentang PerubahanAtas Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan, in order to createlegal certainty and confidence to guarantee customers in saving money in anybank. Secondly, a need for the addition in the field of civil and criminal penaltiesto protect customers who are weak in Undang-Undang Nomor 10 Tahun 1998tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1992 tentangPerbankan, in order to create legal certainty and confidence guarantee forcustomers in saving funds at any bank.Keywords: Protection-Sanctions-Secret Bank
Eksekusi Terhadap Benda Jaminan Fidusia Yang Tidak Didaftarkan Pada PT. Capella Multidana Muhammad Ikhsan Awaljon Putra; Maryati Bachtiar; Riska Fitriani
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 3, No 1 (2016): Wisuda Februari 2016
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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

Abstract

Fiduciary insurance is widely used by financial institutions, fiduciary regulated in Law Number 42 Year 1999 regarding Fiduciary. Article 11 (1) of the Act Fiduciary stating that the object burdened with the fiduciary must be registered.In practice on PT. CapellaMultidana in Pekanbaru was also a fiduciary guarantee object that is not registered in Fiduciary Registration Office, it is contrary to Article 11 (1) of the Act Fiduciary. Issues that will be examined in this study are: First, What is the legal effect of the fiduciary object that is not registered to the Registration office Fiduciary by PT. Capella Multidana? Secondly, How the execution of fiduciary objects that are not registered with the registration office Fiduciary by PT. Capella Multidana?This type of research used socio-juridical namely the workings of law in society. Descriptive nature of this study. This research was conducted at PT Capella Multidana Finance in Sudirman Street No. 414 Pekanbaru. The source data of this research is first, primary data that the debtor and the PT. Capella Multidana. Second, secondary data related law, literature, books, encyclopedias and dictionaries. Population and sample is the debtor and the PT. Capella Multidana. Data collection techniques are the First, interviews with the debtor and the Capella Multidana. Secondly, the questionnaire with the debtor PT. Capella Multidana. Third, the literature contained in books and literature.The results obtained in this study is first, not the registration of the legal consequences of fiduciary objects made by PT. Capella Multidana is not able to do the execution, Second, execution of object fiduciary conducted by PT. Capella Multidana Finance can not give legal certainty to the parties. All of that, because PT. Capella Multidana never register the object so that the object fiduciary fiduciary should not be done.Based on the research results, there are two basic problems that can be inferred. First, the result of an agreement with fiduciary law that are not registered are not able to do the execution. Second, the execution of fiduciary objects that are not registered can not give legal certainty to the parties. Suggestions writer, first, that the object must be registered to fiduciary Fiduciary Registration Office by the finance company, so the lack of legal certainty among the parties. Second, that there must be enforcement of the executions carried out by the finance company to the object of fiduciary collateral object is not registered with the Registry Office fiduciary.
PELAKSANAAN PERJANJIAN KREDIT MODAL USAHA ANTARA PT.BANK PERKREDITAN RAKYAT UNISRITAMA DENGAN NASABAH DI KOTA PEKANBARU Teti Nadya; Maryati Bachtiar; Riska Fitriani
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 3, No 2 (2016): Wisuda Oktober 2016
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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

Abstract

Banking is a source of funds in the form of the granting of credit facilities for the community of individuals or business entities to meet the needs business so his business is increasing and evolving. The granting of credit facilities capital stock Of PT. Bank Rakyat Unisitama Soweto to the customer is done through a credit agreement by applying the precautionary principle and risk management credit, but in practice not everything runs smoothly in accordance with the exchanged so that these conditions cause the onset of the credit issues that must be resolved by PT. Bank people's Unisitama Of Pekanbaru.As for the purpose of this research is to know the implementation of the agreement between venture capital credit Pt. Bank Rakyat Unisritama Of Pekanbaru with customers in the city of Pekanbaru 2014 , to know the obstacles the implementation of the venture capital credit agreement between PT. Bank Rakyat Unisritama Of Pekanbaru with customers in the city of Pekanbaru 2014 and the efforts made in addressing the the barriers such.This type of research is sociological research i.e. Research directly on a location or place that is examined with primary and secondary data sources, data collection techniques by conducting interviews and literature review dan descriptive qualitative data analysis as well as methods of deductive conclusions made in withdrawal.Research results showed the execution of the agreement credit business capital between pt. Bank Of Unisritama the people of Soweto dengan customers in the city of Pekanbaru 2014, starting with the application for credit, checks, file verification, on the sport, credit analysis, credit decisions, credit administration, credit disbursements and obligations of the customer. Barriers to the implementation of the Covenant, namely venture capital credit application process takes a long time, installment credit not everything smoothly, construction and supervision of the customer less, socializing less credit. The effort of overcoming the the resistance that is increasing resources account officer, increases the prospective customer knowledge, coaching and supervision insufficient.Pt. Bank Rakyat Unisritama Of Pekanbaru we recommend that you increase the number of qualified accounts officer recruitment through objective and transparent to the customer credit employee venture capital, pt. Bank Rakyat Unisritama Of Soweto helped implementation of credit business capital. Pt. Bank Rakyat Unisritama Of Pekanbaru the budget provides for special credit promotions business capital cost in order for the community who have a small business and micro know about venture capital credit.Keywords: Credit – Venture Capital – Banking
Kekuatan Hukum Surat Kuasa Membebankan Hak Tanggungan (SKMHT) Sebagai Dasar Pembebanan Hak Tanggungan Dalam Perjanjian Kredit) Ilham Dedi Perdana; Maryati Bachtiar; Rahmad Hendra
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 3, No 2 (2016): Wisuda Oktober 2016
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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

Abstract

Article 15 paragraph (3) and (4) of Law No. 4 of 1996 on Mortgage has stated that, the Power of Attorney Imposing Mortgage (SKMHT) over land rights that have not been registered shall be followed by the manufacture of the Deed Granting Mortgage Not later than 3 (three) months after the given, and the Power of Attorney Imposing Mortgage (SKMHT) over land rights that has been registered shall be followed by administration of Mortgage Deed no later than 1 (one) month after awarded. The fact that happened on the field many of the parties that do not register SKMHT be APHT which the registration deadline has been set by UUHT.The purpose of this paper are: first, to determine the legal effect of SKMHT that is not registered with APHT manufacture, secondly, to determine the binding force of the Power of Attorney Imposing Mortgage (SKMHT) in credit agreements.Type of this research can be classified in this type of normative research, normative research is a law research literature. Because it makes the literature as the main focus in this research. In a normative legal research has criteria for this type of research is research that discusses the general principles of law, the data source used, primary data, secondary data, and the data tertiary data collection techniques in this study by the research literature or study documents.From the research problem there are two main things that can be inferred. First, if SKMHT not yet been registered into APHT then the debtor may extend the term of SKMHT with a record of paying with jumblah very big, because if SKMHT not be registered as APHT then SKMHT the void that would result in the creditor does not have preferential rights over object security rights if the debtor defaults or bad credit. Second, difficulties in registration SKMH are: expensive and very short period of time. Advice writer, first, Should the parties, especially creditors to consider the use of SKMHT in terms of the debtor credit borrowing, second, Should the creditor to provide credit to borrowers is not the whole at once but gradually by the time credit has been agreed.Keywords: SKMHT - APHT - Credit Agreement
Co-Authors ', Firdaus ', Firdaus ', Jefrizal ', Jeprialis ', Jumdesra ', Marzuki ', Nurlia ', Rosmaneli ', Suryani ', Syafrianto , Dasrol , Rosmaneli Ade Christhina Adi Tiara Putri Afrial Syarli Agus Jonatan P Agus Kusni Mubarok Ahmad Ade Saputra Ahmad Sobari Ahsanu Ilham Aidil Rahmat Fauzan Akbar, Fajar Alamsyah Al Arif Alika Nanda Frisri Alya Ramadhani Ridarto Amelia, Vivi Anak Agung Istri Sri Wiadnyani Andi Sanjaya Sinulingga ANDO GURNING Andrea Sakavino Andriani, Dedek Suci Annisa Fitria Habibah Anugeraha, Rendra Apriella Desera Genada Apriliani, Nuri Arifin, Rizki Haidir Ariyana Rezki Ananda Artika, Primata Prischa Asih Artina Atikah, Muhana Audesti Nindya Aulia Shaharani Ayu Kristiani P Bilqis, Maharani Bima Sakti Ginting Bisma Al Ibra Boris Brison Brison, Boris Cahya, Adig Candra. H, Limboy Alex Chairunnnisa, Amanda Christian P.W. Hutasoit Cristina, Mawar Dani, Suci Rahma Dania Sabilah Farina Darnia, Meriza Elpha Dayang Putri Ayu Dede Suhendra Dedek Suci Andriani Desi Nurliana Devi Satria Dewo, Punto Dharamjit Kaur Dian Lyonanda Putri Dicky Ramandha Putra Diko Fazrian Dini novriansyah Dodi Haryono DONI ANDRIAN HSB Doni Andrinal Dumai Putra Mulia Pasaribu Eco Silalahi Edward John Meyer Efendi, Sumardi Efisa, Shindy Eko Yulinggar Permana Elda Mitari Elpiya ' Elsa, Marisa Elvira Novalita Elvira Novalita, Elvira Erwin Firmansyah Putra Erwin Ramadan Evi Deliana HZ Fahasta, Tiara Purnama Fani, Said Febrianti. Z, Cindy Feby Savira Rangkuti, Feby Savira Fendra Yuli Hardiyanto Fenty Rizka Astari, Fenty Rizka Ferindoni ' Fiena Ariestya, Fiena Fiky Indra Firdaus ' Firdaus Firdaus Fitri Aulia Simatupang Frisri, Alika Nanda Fuad Buchari Galuh Dwi Nugroho Githa Fitria Lisa Ulfa Hafis Ryadhie Hani, Tantri Ummu Hanifah Fithriyah Haris Nasution Hariyawati, Desi Harni Lisa Fitri Harpami, Yaumal Akmal Hayatul Ismi Hazra, Filza Amalia Helmi, Rackhel Monica Hendrico Rahmat Hendro Nasrian Hengki Firmanda Herida Nilawati Manurung Hikmah, Hidayatul Hoga Retmi Hendri Ibnu Hajar Icha Rezky Ilham Dedi Perdana Ilham Kusuma Dhani Ilham Yudha Kurniawan Intan Rahmadona Ivoni Saraswati, Ivoni JASED EFENDI Jeremia Ramot Liseseli Sitorus Jhonson Datmalem Siahaan Jumpa Malum Simarmata, Jumpa Malum Kamal, Alisa Karnofa, Sa’dianti Nabila KARTIKA WILY Kaspul Ilmi Kristiningrum, Friska Dwi Kurniawan, M. Hapis Ledy Diana lewis, Denince Lili Tampi Mayangsari Lubis, Putri Nurhasanah Luthfi Syasnur Fadjar M. Romy Suryanto Maha, Fandi Wahyudi Maharani Maharani MALELA, GITA REGINA Manurung, Yulika Donna Mardalena Hanifah Marisa Elsa Maristella, Debora Markus Van Branco Harianja Martuah, Ali Mayangsari, Lili Tampi Melati, Fahra Agustina Meltiani Br. Pardede Mentari Gemilang Mentari Maharani Br Ginting Metia Winati Muchda Meyer, Edward John Meylisa Veky Mila Puspita Sari Muh. Fahrurrozi Muhammad Ardiansyah Muhammad Ikhsan Awaljon Putra Muhammad Ikhsan Mukhlis Muhammad Irham Muhammad Irham Muhammad Noer Geo Miyana Muhammad Shofi Muhammad Tahir Hutasuhut Muhammad Tegar Adhiyatma Muhammad Tri Wachyu Mukhlis R Nadia Yolanda Nana Satun Nazirah Nasrian, Hendro Natasya Basanida Sirait Nelvia Gusti Nola Neriana ' Nicky Cobitha Febriani Nova Kristina, Nova Novalia Simamora Novreddy Sihombing Nurhatika Sari Nurlia ' Okarisandi, Febri Weldi Okky Elsa Priadi, Okky Elsa Opia Rendra Pasaribu, Dumai Putra Mulia Perdana, Ilham Dedi Prabowo, Nugrah Pratama, Iqbal Sonta Pratomo, Bobby Farras PRIANDO MAHDELTA Putri Maya Sari Putri Nurhasanah Lubis Putri Sanaya Putri, Dinna Keumala Radius Lase Rahayu Silvia Annisa Rahmad Hendra Rahmanila, Rahmanila Rahmat Hendra, Rahmat Rahmat Sandani Rahmayeti ' Raldi Sembiring Meliala Ramelan Nazara Randu Aditya Rahim Rayhanil Jannah Regina Reverly Reisa Safira Herman Reza Ramadhana F. Rifa Yendi Fauzir Rifana, Rinda Rika Lestari Riki Budi Aji Rinu Nabilla Rio Julivan Sibarani Riska Fitriani Riska Fitriani Riska Fitriani Riska lestari Rita Teresia, Rita Rivanka Gradian Baldi Riyan Fauma Rizkiyah Putri Zonia Roberto Fernandes Rosya Luni Syarli Rozi, Syafilla Ruth Oktaviana, Ruth safitri, fira Saleha Saleha Sandi Yolanda Sari, Lilian Perdana Sarthi, Ully Trand Saskia Pratiwi Septian Bestari S Setia Putra Setia Putra, Setia Setiadi, Muhammad Yogi Setiawan, Dede Siburian, Churcil Silvya Pramunesa Bondes Simamora, Try Jaya Sirait, Tryavelia Siregar, Abdu Haikal Siti Alfiatul Mukaromah Siti Hapsah, Siti Srimarwidiati Srimarwidiati Sukma Apyanda Sukma Putri Dertiyana Sunarti Puspita Sari Suryani ' Syafira Nurhaliza Syafrianto ' Syahputra, M.Ikhsan Sylvia Pratiwi Limbong Tama, Putra Davi Teguh Risyan Putra Tengku Andrias Prayudha Tengku Indra Adiputra Tengku Sundari Pratiwi Teti Nadya Theofilus, Theofilus Theola Ramadhani Tiara Antika Tiara Aoura Sari Tiara Rahma Syafitr Tio Pujakusuma Titus Alam Sinaga Topan, Wisnu Tri Rahmi Khairunnisa, Tri Rahmi Tumpak Hasiholan Manurung Ulfasari, Sofiya Ulfia Hasanah Ulya Arif Umary, Fajrika Adil Urpi Rahma Weni Vertina, Annisa Sophia Vina Septhiani Muthia Vivi Amelia Vivianne I R Nadeak Wahyuni Malina Harahap Wanty Agustina Widia Edorita Wilis, Erna Wilton Amos Panggabean Wira Tri Ananda Manalu Yella Andriani Yemima Br. Sitepu Yohanna Petresia Yulsandi Pramana Putra Z, Grace Elizabeth S Zaswari ' Zonia, Rizkiyah Putri Zulwisman, Zulwisman Zuriyati '