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PELAKSANAAN AKAD PEMBIAYAAN MUDHARABAH DI BANK SUMUT SYARIAH KOTA MEDAN Isnaini, Isnaini; Barus, Utary Maharany
JURNAL MERCATORIA Vol 8, No 2 (2015): JURNAL MERCATORIA DESEMBER
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (222.63 KB) | DOI: 10.31289/mercatoria.v8i2.653

Abstract

Transaksi mudharabah adalah bentuk kerja sama antara dua pihak atau lebih yaitu pemilik modal (shahibul maal) mempercayakan sejumlah modal kepada pengelola (mudharib) dengan suatu perjanjian pembagian keuntungan. Bentuk ini menegaskan kerjasama dengan sumbangan seratus persen modal dari shahibul maal dan pengusaha kepada mudharib. Bank SUMUT Syariah di Kota Medan yang telah memiliki fasilitas mudharabah, justru lebih menjalankan transaksi akad pembiayaan yang lazim. Mereka terkesan tidak secara serius untuk menerapkan akad pembiayaan secara mudharabah kepada para pedagang kecil dan menengah (UKM). Masyarakat yang ingin mendapatkan fasilitas pembiayaan mudharabah menjadi kecewa. Tulisan ini akan membahas mengenai persoalan-persoalan pelaksanaan akad pembiayaan mudharabah di bank SUMUT Syariah di Kota Medan. Hasil yang dicapai dari kajian ini adalah untuk menganalisis penerapan sistem mudharabah di bank SUMUT Syariah di Kota Medan sehingga diharapkan dapat menguatkan UKM dalam penyediaan modal usaha dan penyempurnaan pembuatan akta pembiayaan mudharabah yang lebih berpihak kepada mudharib.
Analisis Yuridis Kewenangan Penyitaan Harta Kekayaan Wajib Pajak oleh Juru Sita Pajak Julianty Siregar, Riana; Barus, Utary Maharany; Siregar, Taufik
ARBITER: Jurnal Ilmiah Magister Hukum Vol 2, No 1 (2020): ARBITER: Jurnal Ilmiah Magister Hukum Mei
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (287.574 KB) | DOI: 10.31289/arbiter.v2i1.124

Abstract

Tax collection in the form of confiscation is a follow-up to the implementation of forced tax collection due to the tax paid not being paid 2x24 hours after the date of notification with the statement and submission of the forced letter to the tax guarantor. The exercise of the authority of the tax bailiff at the East Medan Pratama tax service office is based on tax legislation in the area of taxation, which involves confiscation and hostage taking. In addition, the tax bailiff is also given the authority to enter and inspect all rooms including opening cabinets, drawers and places. others to find confiscated objects at the place of business, at the domicile, or at the place of residence of the tax guarantor, or at other place that can be suspected as a place to store confiscated objects in accordance with the provisions contained in Article 5 paragraph (3) of Law Number 19 of 2000 concerning Tax Collection by Forced Letter.
Pembebasan Bersyarat Bagi Narapidana Di Lembaga Pemasyarakatan Klas II B Lubuk Pakam Situmorang, Edward Pahala; Barus, Utary Maharany; Isnaini, Isnaini
ARBITER: Jurnal Ilmiah Magister Hukum Vol 1, No 1 (2019): ARBITER: Jurnal Ilmiah Magister Hukum Mei
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (284.463 KB) | DOI: 10.31289/arbiter.v1i1.112

Abstract

This study aims to look at the implementation of imprisonment for prisoners and how the implementation of parole for prisoners as well as what are the obstacles and efforts in the implementation of parole for prisoners. The method of approach used in this research is normative juridical, which is an approach that emphasizes searches and library materials. Conditional release is the process of fostering prisoners outside Penitentiary after undergoing at least 2/3 of his sentence with a stipulation of 2/3 of the criminal period of at least 9 months. Obstacles that occur in the Conditional Release by the Class II Correctional Institution B Lubuk Pakamadalah Tightening parole for prisoners related to Government Regulation Number 99 of 2012 contrary to Law Number 12 of 1995 as stated that each prisoner is entitled to the same treatment as the right to obtain parole.
Independensi Penentuan Jumlah Nilai Agunan dalam Perjanjian Kredit yang Dilakukan oleh Appraisal Bank Simatupang, Elysabet Sry Devi Bruni; S, Sunarmi; Siregar, Mahmul; Barus, Utary Maharany
Jurnal Ilmu Hukum Reusam Vol 9, No 1 (2021): Mei
Publisher : Universitas Malikussaleh

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Abstract

A bank always requires collateral to its customers in providing credit facility as a form of a guarantee or responsibility for their contract with the bank. A bank also employs an Appraisal Bank or Public Appraisal Service Office (KJPP). KJPP is expected to prevent wrong collateral valuation and value engineering. Therefore, the research problems are how the independence of an Appraisal Bank is, in performing collateral valuation in a credit contract, how the binding force of the valuation results gained by an Appraisal Bank to the collateral in a credit contract, and how the liability of the Appraisal Bank for the valuation performed by an Appraisal Bank to the collateral in a credit contract. This is a normative juridical and descriptive research. This research employs statutory method using primary, secondary, and tertiary legal materials. The data are collected from library study and field observation. They are analyzed by reducing data, presenting data, and drawing conclusions/making verification to obtain descriptive data. The results of the research conclude that the independence an. appraisal is assessed when he performs valuation without intervention from anyone. In legal view, an appraisal is considered valid and affecting the collateral object; the results of his valuation becomes his responsibility. The responsibility of an appraisal for his valuation results can be seen from the conformity of his report and the prevailing regulations. It is suggested that one be required and obliged to have specific skills, integrity, honesty and objectivity to become an appraisal. An appraisal also has to be guided by ethical codes and prevailing laws and regulations.
ANALISIS YURIDIS KEDUDUKAN BADAN PENGAWAS PASAR MODAL (BAPEPAM) SETELAH BERLAKUNYA UNDANG-UNDANG NO. 21 TAHUN 2011 TENTANG OTORITAS JASA KEUANGAN Susi Muliyanti; Sunarmi Sunarmi; Mahmul Siregar; Utary Maharany Barus
USU LAW JOURNAL Vol 1, No 2 (2013)
Publisher : Universitas Sumatera Utara

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Abstract

The roles of Capital Market Supervisory Agency (Badan Pengawas Pasar Modal – Bapepam) are to guide, rule and supervise capital market. The issuance of Law on Financial Service Authority takes over the authorities of the Capital Market Supervisory. The establishment of Financial Service Authority is mandated by Article 34 of Law on Bank Indonesia as an independent institution which regulates and supervises all financial service sectors by applying an unified supervisory model which separates the regulating and supervising tasks. Prior to the issuance of Law on Financial Service Authority, financial service sectors in capital market are supervised by Capital Market Supervisory Agency which is structurally still under the coordination of Ministry of Finance so that its authorities are still limited and result in the high number of cases of capital market which cannot be addressed effectively. Since Capital Market Supervisory Agency needs to be independent, it prefers to transform and merge into Financial Service Authority. It is suggested that laws related to banking, capital market, the Deposit Insurance Agency (Lembaga Penjamin Simpanan – LPS) need to be harmonized to prevent overlapping in their authorities. Therefore, Draft Bill on UUPM needs to be passed immediately because Capital Market Supervisory Agency has emerged into Financial Service Authority while UUPM still regulates the authorities of Capital Market Supervisory Agency. Financial Service Authority has to make regulations related to investigative authorities to address cases of capital market properly.
PERLINDUNGAN HUKUM TERHADAP NASABAH DALAM KETENTUAN KONTRAK STANDAR PADA PEMBIAYAAN SYARIAH BANK SYARIAH MANDIRI DIKAITKAN DENGAN KETENTUAN PASAL 18 UNDANG-UNDANG PERLINDUNGAN KONSUMEN (STUDI PADA BANK SYARIAH MANDIRI KRAKATAU MEDAN) Rommy Yudistira Lubis; Bismar Nasution; Tan Kamello; Utary Maharany Barus
USU LAW JOURNAL Vol 2, No 1 (2014)
Publisher : Universitas Sumatera Utara

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AbstractContract used in the implementation of the financing facility of Bank Syariah Mandiri Krakatau Medan to prospective investors. Bank customers who apply for credit financing only have two choices whether to accept the agreement the financing that is standard, or reject the consequences of prospective customers will not get the funds they need. This applies across Bank Syariah Mandiri, both at head office and at branch offices.This research is essential to answer: 1) What is the background of Bank Syariah Mandiri using standard contracts in Islamic financing agreement? 2) How does the implementation of Islamic financing agreement using a standard contract on financing at Bank Syariah Mandiri Krakatau Medan? and 3) What legal protection to customers in the use of standard contract provisions of Islamic finance at Bank Syariah Mandiri Krakatau Medan associated with the provision of Article 18 of Law No.8 of 1999 on Consumer Protection? The results showed that: The interests of customers applying for Islamic finance should be noted and considered a business associate; Uses standard contract with Bank Syariah Mandiri Krakatau Medan should use the principles derived from the Quran and Al-Hadith besides also refer to Civil Code, and Bank Indonesia, the central bank should make arrangements about the use of standard contracts in Islamic finance where these rules.Keywords : Contract Standards; Legal Protection for Customer; Islamic Financing and Credit Agreement.
ANALISIS PUTUSAN HAKIM PERADILAN PIDANA TERHADAP PENCABUTAN PERKARA DELIK ADUAN ( STUDI PUTUSAN MAHKAMAH AGUNG NO. 1600 K/PID/2009) Muhammad Yusuf Siregar; Madiasa Ablisar; Mahmud Mulyadi; Utary Maharany Barus
USU LAW JOURNAL Vol 2, No 1 (2014)
Publisher : Universitas Sumatera Utara

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Abstract

ABSTRACTArrangement complaint about a crime has been arranged expressly in the Book of the Law of Criminal Law Article 72-75 of the Criminal Code. Complaints that have been filed may be withdrawn if still within the grace period of 3 ( three ) months after the complaint is filed ( Article 75 of the Criminal Code). The practice of the law in the Supreme Court decision No. 1600 K/PID/2009. Supreme Court Justice existing legal provisions in the Criminal Code with the advanced legal purpose of restoring the balance that occurs due to a crime and restorative justice teachings that conflict is not simply a crime as a violation of state and public interest but a conflict also represent disrupted and broken relationship between two or more individual in public relations . The panel of judges who handle cases in the decision No.1600 K/PID/2009 has given consideration First Objective of criminal law that is to restore the balance that occurs between the perpetrator and the victim because of the criminal act ; Second : It has been done for peace between the perpetrator and the victim ; Third : To maintain individual relationships within social relationships , especially parties to the conflict are bound family relationship is between the law and the law; Fourth : that the teaching of restorative justice that the judge must be able to facilitate conflict resolution satisfactory to unite the parties to the dispute.
PENEGAKAN HUKUM PIDANA TERHADAP PELAKU PERSETUBUHAN PADA ANAK (ANALISIS TERHADAP PUTUSAN MAHKAMAH AGUNG NOMOR: 1202 K/PID.SUS/2009) Panca Hutagalung; Muhammad Hamdan; Mahmud Mulyadi; Utary Maharany Barus
USU LAW JOURNAL Vol 2, No 2 (2014)
Publisher : Universitas Sumatera Utara

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Abstract

ABSTRACT Law No. 23/2003 on Child Protection is initially intended to protect children and to ensure their safety by providing security for their rights. Nevertheless, sexual harassment toward children often occurs and indicates its escalation even though it is regarded as a felony. How about the regulation on sexual harassment according to the criminal law in Indonesia, how about the enforcement of criminal law in judex facti in the case of sexual harassment toward children under the Verdict No. 2417/Pid.B/2008-Mdn, in conjunction with the Verdict No. 38/Pid/2009/PT-Mdn, and how about the enforcement of criminal law in judex juris on sexual harassment toward children under the Verdict No. 1202K/Pid.Sus/2009.The research used juridical normative method with prescriptive analytic. Sexual harassment toward children is regulated in the Criminal Code, in Law No. 23/2003 on Child Protection, and in Law No. 23/2004 on the Abolition of Violence in Household. The enforcement of criminal law in judex facti under the  Verdict No. 2417/Pid.B/2008-Mdn, in conjunction with the Verdict No. 38/Pid/2009/PT-Mdn is in line with law of criminal procedure. Handing down a verdict is based on the authentication  theory according to law negatively and follows fault theory although the victim’s fault is not considered. The enforcement of criminal law in judex juris under the Verdict No. 1202K/Pid.Sus/2009 is in line with law of criminal procedure and reflects the theory of the victim’s fault. Keywords: Law Enforcement, Sexual Harassment, Child.
PERTANGGUNGJAWABAN PIDANA TERHADAP PERKAWINAN POLIGAMI TANPA PERSETUJUAN ISTRI YANG SAH (STUDI PUTUSAN MAHKAMAH AGUNG NO. 330K/PID/2012) Zaid Alfauza Marpaung; Syafruddin Kalo; Madiasa Ablisar; Utary Maharany Barus
USU LAW JOURNAL Vol 2, No 2 (2014)
Publisher : Universitas Sumatera Utara

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Abstract

ABSTRACT Criminal Responsibility is the continuation of reproach objective of the offenses and subjective to a person eligible to be sent to jail for his actions. Criminal Rensponsibility lead to comprehension basically bear the punishment of the perpetrators of criminal acts. Elements of criminal responsibility among others unlawful act, error, delibérate, responsable abilities. Arranged in polygamous marriage law No 1 of 1974 concerning Marriage, Goverment Regulation No 9 of 1975 on The implementation of the law of Marriage and Compilation of Islamic law for the adherents of the religión of Islam. Polygamous marriages that do not meet the requirements as specified by law No 1of 1974 concerning Marriage, Goverment Regulation No 9 of 1975 in The implementation of the law of Marriage and Compilation of Islamic, one of them without the consent of the lawful wife (Study of The Supreme Court Decisión No 330K./Pid/2012) a criminal offensed. Criminal sanctions stipilated in Article 45 letter a Goverment Regulation No 9 of 1975 on The Implementation of the law of Marriage which is the crime of administration and  also subject to the providions of Article 279 paragraph 1 of The Criminal Code which is a crime against civil position. This study was conducted to determine the criminal responsibility of the polygamous marriage without the consent of the legitimate wife (Study of The Supreme Court Decision No 330K/Pid/2012). Type of research is the study of normative. This study uses data collection methods legal literature. Data analysis was done qualitatively, making it easier to analyze the problems which will be discussed later , interpret and draw conclusions. Based of the result obtained can be concluded consideration of the judge to criminal liability study of The Supreme Court Decision No 330K/Pid/2012 polygamous marriage without the consent of the legitimate wife. The judge believes the defendant meets the criminal elements set forth in the provisions of Article 279 paragraph 1 of The Criminal Code and the defendant has meet the elements of criminal responsibility is unlawful act, error, delibérate, responsable abilities.
HAK DAN KEWAJIBAN KURATOR PASCA PUTUSAN PEMBATALAN PAILIT PADA TINGKAT KASASI OLEH MAHKAMAH AGUNG (STUDI KASUS KEPAILITAN PT. TELKOMSEL VS PT. PRIMA JAYA INFORMATIKA) Sukses M. P. Siburian; Sunarmi Sunarmi; Utary Maharany Barus; Jelly Leviza
USU LAW JOURNAL Vol 3, No 1 (2015)
Publisher : Universitas Sumatera Utara

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Abstract

ABSTRACT The Ruling of the Supreme Court on the case of PT. Telkomsel, the Supreme Court does not specify the compensation for the curator, whereas it has stipulated by the panel of judges of the Supreme Court. The objective of the research was to answer the problems about the right and obligation of a curator, the regulation on the compensation for a curator, and the right and obligation of a curator after the Ruling on the cancelation of bankruptcy in the cassation level by the Supreme Court on the case of PT. Telkomsel vs. PT. Prima Jaya Informatika was stipulated. Curator’s task is to manage and/or to settle bankruptcy property, while his right is to get compensation for his service through a judge’s verdict. According to UUKPKPU, the compensation for a curator’s service is charged to the petitioner and the debtor of the bankruptcy; but, according to Kepmen No. M.09-HT.05.10/1998, it is charged to a debtor. According to Permenkumham No. 1/2013, it is charged to the petitioner of the bankruptcy.  After the ruling on the cancellation of bankruptcy in the cassation level on the case of PT. Telkomsel is specified, the obligation of the curator was to announce the ruling in the cassation in the news of the Republic of Indonesia, at least in two daily newspapers. Under the law, a curator’s right should be specified in a judge’s verdict; but, in reality it is not stipulated in the Supreme Court’s Ruling. Keywords: Right, Obligation, Curator, Bankruptcy
Co-Authors Afnila Afnila Agusmidah Agusmidah Angreni Fajrin Dalimunthe Anjani Sipahutar Ardo Sirait Arfandi, Muhammad Arsyad Subhan Purba Artha Sebayang Azwar, Tengku Keizerina Devi Bagya Agung Prabowo, Bagya Agung Bastari Bastari Bastari, Bastari Bastari Mathon Bismar Nasution Br Samura, Margaretha Selia BUDIMAN GINTING Cheryl Patriana Yuswar Cristina Natalia Tarigan Dedi Harianto Dejan Gumelar Raja Guk-Guk Delvi Widhia Astuti Edy Ikhsan Ekaputra, M. Elsa Najla Elysabet Sry Devi Bruni Simatupang Empindonta Ramadhaan Tarigan Empindonta Ramadhaan Tarigan Erwintjia Erwintjia Eva Syahfitri Nasution, Eva Syahfitri Fauziah Fauziah Finita Serena Hutabarat Handoko, A.D Hasballah Thaib Hashim Purba Hasibuan, Farhan Auliya Hasim Purba HASIM PURBA Hasyim Purba Hilbertus Sumplisius M. Wau Idha Aprilyana Idha Aprilyana Sembiring Indra Bayu, M. Hasballah Thaib Indra Isnaini Isnaini Isnaini Isnaini Isnaini, Isnaini Jefri Ardiansyah Jelly Leviza Julianty Siregar, Riana Kaban, Maria Lely Suryani Silalahi Lili Wulandari M. Citra Ramadhan Madiasa Ablisar Madiasa Ablisar Mahmud Mulyadi MAHMUL SIREGAR Mahmul Siregar Maria Maria Kaban Mhd Yadi Harahap Mohammad Eka Putra Mohammad Eka Putra Muazzul, Muazzul Muhammad Febriansyah Putra Muhammad Hamdan Muhammad Muchlis Muhammad Yaasir Syauqii Pohan Muhammad Yamin Lubis, Muhammad Yamin Muhammad Yusuf Siregar Muhayminah Muhayminah Mulhadi Mulhadi, Mulhadi Mulia Mulia Nabillah Nasution, Mirza Nasution, Muhammad Iqbal Nindyo Pramono Nurjannah Nurjannah Oemar Abdallah Panca Hutagalung Prayogi Prayogi Putri Rumondang Siagian Putri Rumondang Siagian Rahman Frija Rahmat Lubis Ramli Daniel Christian Siregar Rasiyati, Rasiyati Rifany Arbita Lubis Ritonga, Arifin Syahputra Rommy Yudistira Lubis Rosnidar Sembiring Rosnidar Sembiring Rudy Haposan Siahaan Runtung Runtung Runtung S, Sunarmi Sari Husmaijar Sianipar, Herlina Hotmadinar Simatupang, Elysabet Sry Devi Bruni Sinaga, Mery Christina Siregar, Taufik Siti Nurahmi Nasution Situmorang, Edward Pahala Sri Maini Nst Suhdi Maulana Nst Sukses M. P. Siburian, Sukses M. P. Sunarmi Sunarmi S Sunarmi, Sunarmi Susi Muliyanti Syaddan Dintara Lubis Syafruddin Kalo T. Keizeirina Devi Azwar T. Keizerina Devi Azwar T. Keizerina Devi Azwar Tan Kamello Tan Kamello Tjipta, Arya Tony Tony Vialli, Vina Wau, Hilbertus Sumplisius M. Yati Sharfina D Yefrizawati Yefrizawati Yefrizawati Yefrizawati Yosef Warmanto Panggabean Zaid Alfauza Marpaung Zaisika Khairunnisak Zamakhsyari bin Hasballah Thaib Zamakhsyari Bin Hasballah Thaib Zamakhsyari