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Utary Maharany Barus
Universitas Sumatera Utara
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Journal : reusam

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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

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

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.
Independensi Penentuan Jumlah Nilai Agunan dalam Perjanjian Kredit yang Dilakukan oleh Appraisal Bank Elysabet Sry Devi Bruni Simatupang; Sunarmi S; Mahmul Siregar; Utary Maharany Barus
Jurnal Ilmu Hukum Reusam Vol 9, No 1 (2021): Mei
Publisher : LPPM Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/reusam.v9i1.4183

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.
Co-Authors Abdullah, Fauzi Achmad Wahid Wibisono Afnila Afnila Agusmidah Agusmidah Angreni Fajrin Dalimunthe Anjani Sipahutar Aprilyana Sembiring, Idha 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 Lubis, Putri Giofani BR Napitupulu, Maria Br Samura, Margaretha Selia BUDIMAN GINTING Cheryl Patriana Yuswar Cristina Natalia Tarigan Dedi Harianto 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 Farhan Auliya Hasibuan Fauziah Fauziah Finita Serena Hutabarat Handoko, A.D Hasballah Thaib Hashim Purba Hasibuan, Farhan Auliya Hasim Purba Hasim Purba HASIM PURBA Hasyim Purba Herlina Hotmadia Sianipar Hilbertus Sumplisius M. Wau Hilbertus Sumplisius M. Wau Hilbertus Sumplisius M. Wau Idha Aprilyana Idha Aprilyana Sembiring Idha Aprilyana Sembiring Idha Aprilyana Sembiring Idha Aprilyana Sembiring Indra Bayu, M. Hasballah Thaib Indra Isnaini Jefri Ardiansyah Jelly Leviza Julianty Siregar, Riana Kaban, Maria Lely Suryani Silalahi Lili Wulandari Lingga, Anggi Salsha Musdalifa M. Ekaputra Madiasa Ablisar Madiasa Ablisar Mahmud Mulyadi MAHMUL SIREGAR Mahmul Siregar Maria Maria Kaban Mhd Yadi Harahap Mitra Ramadhan Mohammad Eka Putra Mohammad Eka Putra Montayana Meher Muazzul, Muazzul Muhammad Citra Ramadhan Muhammad Febriansyah Putra Muhammad Hamdan Muhammad Muchlis Muhammad Muchlis Muhammad Yaasir Syauqii Pohan Muhammad Yamin Lubis, Muhammad Yamin Muhammad Yusuf Siregar Muhayminah Muhayminah Mulhadi Mulhadi Mulhadi, Mulhadi Mulia Mulia Nabillah Najla, Elsa Nasution, Mirza Nasution, Muhammad Iqbal Nasution, Siti Nurahmi Nindyo Pramono NINGRUM NATASYA SIRAIT Nurhadi Ahmad Juang Nurjannah Nurjannah Nurul Amelia Oemar Abdallah Panca Hutagalung Prayogi Prayogi Putri Rumondang Siagian Rahman Frija Rahmat Lubis Ramli Daniel Christian Siregar Rasiyati Rasiyati Rasiyati, Rasiyati Rifany Arbita Lubis Ritonga, Arifin Syahputra Rizka Hanum Mendrofa Rommy Yudistira Lubis Rosnidar Sembiring Rosnidar Sembiring Rosnidar Sembiring Rudy Haposan Siahaan Runtung Runtung Runtung Runtung Sitepu S, Sunarmi saidin, saidin Sari Husmaijar Sembiring, Idha Apriliana Simatupang, Elysabet Sry Devi Bruni SINAGA, HENRY Sinaga, Mery Christina Sirait, Ardo 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 Syarifah Lisa Andriati T. Keizeirina Devi Azwar T. Keizerina Devi Azwar Tan Kamello Tan Kamello Taufik Siregar Tjipta, Arya Tony Tony Vialli, Vina Wau, Hilbertus Sumplisius M. Yati Sharfina Desiandri Yefrizawati Yefrizawati Yefrizawati Yefrizawati Yosef Warmanto Panggabean Zaid Alfauza Marpaung Zaisika Khairunnisak Zamakhsyari bin Hasballah Thaib Zamakhsyari Bin Hasballah Thaib Zamakhsyari Zulfi Chairi