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All Journal USU LAW JOURNAL JURNAL MAHKAMAH Indian Journal of Forensic Medicine & Toxicology International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Journal of Law and Nation International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Jurnal Media Akademik (JMA) Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Intelek Insan Cendikia Journal of International Islamic Law, Human Right and Public Policy
Tan Kamello
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Vaccine Financing for the Treatment of Covid-19 of Banking Agencies’ in Empowering Small and Medium Health Institution at Aceh Yusri Yusri; Tan Kamello; Husni Husni; Iman Jauhari
Indian Journal of Forensic Medicine & Toxicology Vol. 15 No. 2 (2021): Indian Journal of Forensic Medicine & Toxicology
Publisher : Institute of Medico-legal Publications Pvt Ltd

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37506/ijfmt.v15i2.15021

Abstract

The purpose of this article is to explain the vaccine financing for the treatment of covid-19 of BankingAgencies in an effort to empower Small and Medium Institution in Aceh. This study applies qualitativelegal methods with a descriptive-analytical approach. The results of the study indicate that the vaccinefinancing for the treatment of covid-19 and the existence of the Banking Agencies is instrumental in effortsto empowerment SMHi and covid-19 treatment, but the quantity of SMHi that can be financed very limited.Only a small proportion of SMHi can obtain loan facilities from bank agencies. In conclusion, bank agenciesstill not yet play the important role in empowerment the micro, small and medium Health Institution in Aceh.
PERTANGGUNGJAWABAN PERUSAHAAN INDUK TERHADAP PERUSAHAAN ANAK DALAM HAL TERJADINYA PENCEMARAN DAN/ATAU KERUSAKAN LINGKUNGAN HIDUP Miranda Chairunnisa; Alvi Syahrin; Tan Kamello; Mahmul Siregar
USU LAW JOURNAL Vol 1, No 2 (2013)
Publisher : Universitas Sumatera Utara

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Abstract

Group corporation as one of the effects of the fast growing economy, in the activities can also play a role in terms of pollution and/or environmental damage done by one or several subsidiaries. In this regard, the parent corporation may be subject to liability in certain cases where there is contamination and/or damage to the environment done by the subsidiary. Based on the results of research, it can be seen that the legal relationship between the parent corporation to the subsidiaries is the employment relationship or other relationship within the scope of work of the enterprise. The parent corporation may be subject to civil liability for pollution and/or environmental damage done by the subsidiary if the parent corporation controls the subsidiaries proven to perform actions within the scope of application of piercing the corporate veil. In addition, the parent corporation may also incur criminal liability if it is proved the parent corporation were also committing a crime of pollution and/or environmental damage done by the subsidiary. Based on this research, it is advisable to make a special provision of group companies in Limited Company Act. In addition, it should be prioritizing the use of criminal law in a law enforcement environment that affects the survival of human beings, as well as the need to increase the moral of businessmen for committing violations of environmental laws.
PERLINDUNGAN HUKUM TERHADAP WHISTLEBLOWER DAN JUSTICE COLLABORATOR DALAM UPAYA PEMBERANTASAN TINDAK PIDANA KORUPSI Nixson Nixson; Syafruddin Kalo; Tan Kamello; Mahmud Mulyadi
USU LAW JOURNAL Vol 1, No 2 (2013)
Publisher : Universitas Sumatera Utara

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Abstract

The development of the modus of corruption criminal act in Indonesia today has indicated a wide scale and become more sophisticated so that it is very difficult to prove it. One of the methods to uncover this organized crime of corruption is by using the role of whistleblowers that can help uncover the modus of corruption criminal act more easily. Unfortunately, whistleblowers and justice collaborators in corruption case in Indonesia have not received maximal legal protection; in consequence, people who want to expose the crime and who have the right to gain reward will go to prison instead. In Indonesia, judicial normatively, based on Law No.13/2006, whistleblowers and justice collaborators have not yet received maximal legal protection. The same is true for SEMA No.4/2011; whistleblowers and justice collaborators only received leniency of a sentence. The ideal legal protection is by giving reward, treatment, and protection from all charges as the compensation for what a whistleblower has exposed, whether he is one of the perpetrators or not. Keywords : Legal Protection, Whistleblowers, Justice Collaborator
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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Abstract

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 YURIDIS PEMBERIAN KREDIT OLEH KOPERASI TERHADAP PENGUSAHA KECIL DAN MENENGAH BERDASARKAN UU NO.17 TAHUN 2012 TENTANG PERKOPERASIAN (Studi Pada Koperasi Kredit Union Sejahtera Tebing Tinggi) Gunawan Sibarani; Tan Kamello; Mahmul Siregar; Keizerina Devi
USU LAW JOURNAL Vol 2, No 2 (2014)
Publisher : Universitas Sumatera Utara

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Abstract

ABSTRACT   Cooperatives as people’s economic movement give their contribution to small and middle businesses in increasing the welfare, especially for their members. A cooperative is both the guidance for people’s economic policy and a part of national economic order. How is the regulation of giving credit to small and middle businesses according to Law No. 17/2012 on Cooperatives? How is the implementation of giving credit to small and middle businesses at Koperasi Kredit CU Sejahtera, Tebing Tinggi? Are there any obstacles and how to solve them? The regulation of giving credit in Law No. 17/2012 on Cooperatives should be in savings and loan. In this case, the credit at Koperasi Kredit CU Sejahtera, Tebing Tinggi is given only to its registered members. The main obstacle is the incapability of its members to pay off the credit. It is recommended that the cooperative adapt its statutes to Law No. 17/2012 on Cooperatives by amending USP to KSP, giving credit should be based on the capability and compatibility, and special advisors who give sanction to fraudulent field workers should be supported. Kata Kunci    : Savings and Loan Cooperative, Small and Middle Businesses, Kopdit CU Sejahtera Tebing Tinggi
ANALYSIS OF LEGAL CERTAINTY AND CHALLENGES IN THE ESTABLISHMENT OF POLICY GUARANTEE INSTITUTIONS IN INDONESIA Isdiana Syafitri; Sunarmi; Tan Kamello; Hasim Purba
International Conference on Health Science, Green Economics, Educational Review and Technology Vol. 6 No. 1 (2024): 7th IHERT (2024): IHERT (2024) FIRST ISSUE: International Conference on Health
Publisher : Universitas Efarina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ihert.v6i1.382

Abstract

Insurance is a financial services business that collects public funds and provides protection against losses due to an uncertain event. For supervision, the government has formed an Insurance Supervisory Agency, namely the OJK (Financial Services Authority) which functions to encourage the progress of the financial services industry and protect insurance customers. Indonesia has Law Number 40 of 2014 concerning Insurance. This study aims to provide legal protection for insurance customers in overcoming the risk of default and awaiting the formation of the Policy Guarantor Institution. Cases of unit link insurance defaults and governance violations have also occurred in several insurance companies. Such as Bakrie Insurance, Asuransji Jiwasraya, Bumiputera Insurance and Kresna Insurance. The Financial Services Authority imposes sanctions on defaulted insurance companies, including: written warnings, revoking business licenses and bankruptcy. This research is of a normative juridical nature that is qualitative descriptive. This study shows how the insurance industry in Indonesia provides protection for customer funds in resolving defaults to realize legal certainty by forming a policy guarantor program. In conclusion, although OJK imposes sanctions in cases of default, it does not appear that policyholders are protected, especially in the disbursement of claims. Therefore, a Policy Guarantor Institution needs to be formed as soon as possible to realize legal certainty.
WANPRESTASI ATAS PERJANJIAN PENGIKATAN JUAL BELI YANG DIBUAT DI BAWAH TANGAN DENGAN SERTIFIKAT HAK MILIK SEBAGAI JAMINAN KREDIT KEPEMILIKAN RUMAH: Studi Putusan Pengadilan Negeri Medan Nomor : 522/Pdt.G/2021/PN-Mdn Nelly Afrida Banjarnahor; Tan Kamello; Rosdinar Sembiring; Aflah
Jurnal Media Akademik (JMA) Vol. 2 No. 6 (2024): JURNAL MEDIA AKADEMIK Edisi Juni
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/v2i6.420

Abstract

Salah satu contoh Wanprestasi atas Perjanjian Pengikatan Jual Beli ada Pada Putusan Pengadilan Negeri Medan Nomor: 522/Pdt.G/2021/Pn-Mdn, dimana perjanjian pengikatan jual beli yang dibuat dibawah tangan sebagai jaminan kredit kepemilikan rumah. Berdasarkan tersebut penelitian ini ditujukan untuk mengetahui keabsahan perjanjian pengikatan jual beli yang dibuat dibawah tangan dengan jaminan Sertifikat Hak Milik pada kredit kepemilikan rumah, analisis putusan pengadilan negeri nomor 522/pdt.g/2021/pn-mdn, akibat hukum yang timbul dari perbuatan ingkar janji (wanprestasi) dalam suatu perjanjian pengikatan jual beli yang dibuat dibawah tangan dengan jaminan Sertifikat Hak Milik pada kredit kepemilikan rumah. Metode Penelitian ini menggunakan jenis penelitian hukum yuridis normatif, bersifat deskriptif analitis, yang mengungkapkan peraturan perUndang-Undangan yang berkaitan dengan teori-teori hukum yang menjadi objek penelitian, Teknik pengumpulan data yang digunakan pada penelitian ini yaitu melalui teknik studi kepustakaan (Library Research), Analisis data dalam penelitian ini menggunakan metode kualitatif. Hasil penelitian menunjukan bahwa, kedudukan hukum atas Keabsahan perjanjian pengikatan jual beli yang dibuat dibawah tangan dengan jaminan Sertifikat Hak Milik pada kredit kepemilikan rumah berdasarkan teori kepastian hukum, semua unsur dalam aturan sudah pasti dan terpenuhi seperti di uraikan, maka keabsahan perjanjian pengikatan jual beli yang dibuat dibawah tangan dengan jaminan Sertifikat Hak Milik pada kredit kepemilikan rumah, adalah sah secara hukum. Analisis Putusan Pengadilan Negeri Nomor 522/Pdt.G/2021/PN-Mdn yaitu bahwa putusan hakim dengan putusan akhir dalam perkara Putusan Pengadilan Negeri Medan Nomor: 522/Pdt.G/2021/PN-Mdn telah sesuai dengan teori keadilan yaitu ketaatan terhadap hukum adalah keadilan, dimana berjalan sesuai Hukum Acara Perdata, KUHPerdata, serta Undang-Undang Nomor 48 Tahun 2009 tentang Kekuasaan Kehakiman dan Perma No.1 Tahun 2016. Akibat hukum apabila terjadi wanprestasi dalam suatu akibat hukum yang timbul dari perbuatan ingkar janji (wanprestasi) dalam suatu perjanjian pengikatan jual beli yang dibuat dibawah tangan dengan jaminan Sertifikat Hak Milik pada kredit kepemilikan rumah adalah timbulnya kerugian dari pihak yang tidak merima prestasi, bahwa pihak yang dirugikan menuntut prestasi dari pihak yang melakukan wanprestasi tersebut. Berdasarkan teori perlindungan hukum, perlindungan hukum secara preventif ini dapat dilakukan oleh para pihak dengan cara memerhatikan proses pembuatan PPJB yang baik dan sehat, juga disertai analis yang komprehensif. Perlindungan hukum represif, dengan menyiapkan team advokat hukum yang profesional, menyiapkan semua dokumen-dokumen sebagai alat bukti dan segala buktinya, serta saksi-saksi yang mendukung dalam mengajukan gugatan
PERLINDUNGAN HUKUM BAGI KREDITUR DENGAN OBJEK TANAH YANG BELUM TERDAFTAR SEBAGAI JAMINAN DALAM PERJANJIAN KREDIT UMUM PEDESAAN: Studi Pada Bank Rakyat Indonesia Unit Pajak Melati Medan, Kelurahan Tanjung Selamat Azalia Salsabila Pilo Daulay; Tan Kamello; Rosdinar Sembiring; Suprayitno
Jurnal Media Akademik (JMA) Vol. 2 No. 6 (2024): JURNAL MEDIA AKADEMIK Edisi Juni
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/v2i6.484

Abstract

Menurut Pasal 4 Undang-Undang Nomor 4 Tahun 1996 tentang Hak Tanggungan obyek Hak Tanggungan wajib didaftar. Berdasarkan hal tersebut dapat diketahui bahwa surat tanah tidak terdaftar tidak bisa dijadikan obyek Hak Tanggungan. Isu hukum yang terjadi ialah masih ditemukan di tengah-tengah masyarakat surat-surat tanah tidak terdaftar yang tidak bisa diikat dengan Hak Tanggungan dijadikan jaminan ke bank. Surat tanah yang tidak terdaftar tersebut seperti SK Camat, SK Kepala Desa, dan Pelepasan Hak dan Ganti Rugi yang digunakan sebagai jaminan untuk memperoleh fasilitas Kredit Umum Pedesaan pada BRI Unit Pajak Melati Medan. Berdasarkan alasan-alasan tersebut dilakukan pengkajian tentang bagaimana kedudukan hukum objek jaminan yang belum terdaftar dalam fasilitas KUPEDES pada BRI Unit Pajak Melati Medan menurut ketentuan Undang-Undang No.4 Tahun 1996, Bagaimana perlindungan hukum bagi kreditur terhadap objek jaminan yang belum terdaftar jika KUPEDES gagal bayar, Bagaimana solusi bagi kreditur dan debitur terhadap fasilitas KUPEDES gagal bayar dengan objek jaminan belum terdaftar. Metode penelitian yang digunakan adalah normatif yang didukung wawancara, Sifat penelitian ini adalah penelitian deskriptif analisis dengan alat pengumpulan data yaitu studi dokumentasi, studi kepustakaan dan wawancara. Analisis data menggunakan metode kualitatif. Dari hasil penelitian diketahui bahwa Kedudukan hukum objek jaminan yang belum terdaftar dalam rangka pemberian fasilitas KUPEDES pada BRI Unit Pajak Melati Medan boleh dijadikan jaminan berdasarkan SK Direksi Bank Indonesia Nomor 23/69/KEP/DIR/1991 yang mana tidak melarang jika objek belum terdaftar dijadikan jaminan tetapi harus berdasarkan Surat Kuasa Membebankan Hak Tanggungan. Perlindungan hukum bagi kreditur terhadap objek jaminan yang belum terdaftar seharusnya bisa diterapakan pada BRI namun, kelalaian BRI sebagai debitur dalam tidak menerapkan pengunaan SKMHT dalam fasilitas KUPEDES memberikan dampak tidak adanya perlindungan hukum bagi BRI. Solusi bagi kreditur dan debitur terhadap fasilitas KUPEDES gagal bayar yang mana objek jaminan tersebut belum terdaftar pada umumnya upaya terakhir yang dilakukan bank jika terjadi kredit macet ialah penjualan agunan secara di bawah tangan berdasarkan Surat Kuasa Menjual yang telah ditandatangani bank dengan debitur. Diharapkan objek jaminan harus berupa Surat Hak Milik dan dilakukan pengikatan menggunakan SKMHT, pemerintah agar membuat aturan yang lebih jelas, rinci terkait eksekusi jaminan yang belum terdaftar, Solusi bagi kreditur dan debitur terhadap fasilitas KUPEDES ialah peningkatan SK Camat dan SK Kepala Desa Menjadi Sertifikat dan dilakukan pembuatan Akta Pemberian Hak Tanggungan
POSITION OF PERSONAL GUARANTEE IN PROVIDING GUARANTEE TO CREDITORS FOR CREDIT FACILITIES OBTAINED BY DEBTORS RELATED TO POSTPONEMENT OF DEBT PAYMENT OBLIGATIONS (PKPU) (Case Study of the Decision of the Central Jakarta Commercial District Court Number: 2 Annisa Rizkika Chairiza Nasution; Tan Kamello; Suprayitno
Journal of International Islamic Law, Human Right and Public Policy Vol. 2 No. 4 (2024): December
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59733/jishup.v2i4.110

Abstract

This study is expected to introduce an investigation into Indonesian Regulations regarding the responsibility and implementation of PKPU with the aim of solving and providing solutions. This research method uses a normative research type. The data collection technique used in this study is library research. The results of the study explain First, Individual Guarantors should not be positioned as Respondents in PKPU. Second, the legal consequences of Guarantors who have released their privileges are considered to have bound themselves together with the main debtor, but the context of the release of privileges is only for confiscation in bankruptcy, not for PKPU. Third, Analysis of the legal considerations of the judge in the Decision of the Central Jakarta Commercial District Court Number: 212 / Pdt.Sus-PKPU / 2019 / PN.Niaga.Jkt.Pst is to consider in terms of the formal requirements of the PKPU Application that there is one requirement that is not met, namely PKPU which cannot be proven simply because the withdrawal of the guarantee to the Respondent is wrong and contradicts Article 254 of the Bankruptcy and PKPU Laws.
Potential Losses at Pt. Bank Sumut Marelan Raya Sharia Sub-Branch Against the Binding of the Deed of Mortgage Data Errors yy Ppat Abdan Taqyanto; Tan Kamello; Hasyim Purba
Jurnal Mahkamah : Kajian Ilmu Hukum dan Hukum Islam Vol. 10 No. 1 June (2025)
Publisher : Institut Agama Islam Ma'arif NU (IAIMNU) Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25217/jm.v10i1.6226

Abstract

Binding deed of mortgage that occurs data errors by PPAT, such errors as mistaken identity of the debtor / creditor, errors in the data of the collateral object and editorial errors in the mortgage clause, which can affect the legal force of the deed. Formulation of the problem causes of data errors in The Binding of the deed of mortgage by PPAT in PT. Bank Sumut Marelan Raya Syariah Auxiliary Branch. Steps that can be taken by PT. Bank Sumut to reduce the risk of data errors in The Binding of mortgage deed. The role of PPAT in ensuring data accuracy in the deed of mortgage and its responsibilities in case of data errors. This type of research is an empirical legal research, descriptive analytical.  The data sources used in this study are primary and secondary Data. Data collection techniques using library research, and field research, document study data collection tools. The research used in this study is deductive thinking method to inducti. The cause of data errors in The Binding of the deed of mortgage by PPAT in PT. Bank Sumut Marelan Raya Sharia sub-branch, namely administrative errors, such as typos in the name of the party, identity number, land area, or certificate number. Incomplete documents such as party identity documents (KTP, tin, KK) that are not in accordance or are not valid. Land certificates that are still in the process of transferring rights or there are records of blocking / disputes.
Co-Authors Abdan Taqyanto Aflah Agustining Agustining Alvi Syahrin Annisa Rizkika Chairiza Nasution Annisa Rizkika Chairiza Nst Azalia Salsabila Pilo Daulay Bismar Nasution Gunawan Sibarani HASIM PURBA Hasyim Purba Husni Husni Iman Jauhari Isdiana Syafitri Keizerina Devi Mahmud Mulyadi Mahmul Siregar Miranda Chairunnisa Muhammad Daud Siregar Nelly Afrida Banjarnahor Nixson Nixson Raden Mohamad Herdian Bhakti REGINA SONDANG CLARA PARDEDE Rommy Yudistira Lubis Rosdinar Sembiring Rosnidar Sembiring Ruth Dewi F. Sinambela Sunarmi SUPRAYITNO Suprayitno Suprayitno Syafruddin Kalo Tony Tony Utary Maharany Barus