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EFEKTIVITAS LEMBAGA PEMASYARAKATAN DALAM PENANGGULANGAN TINDAK PIDANA PENYALAHGUNAAN NARKOTIKA TAHUN 2015-2018 (STUDI KASUS LEMBAGA PEMASYARAKATAN KLAS IIB PAYAKUMBUH DAN LEMBAGA PEMASYARAKATAN KLAS II A BUKITTINGGI) Anny Yuserlina; Umul Khair
Ensiklopedia Social Review Vol 1, No 3 (2019): Volume 1 No 3 Oktober 2019
Publisher : Lembaga Penelitian dan Penerbitan Hasil Penelitian Ensiklopedia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33559/esr.v1i3.367

The success of the prison development role will have a good impact on inmates, one of which is the convicts have a high level of consciousness so that there will be no repetition of narcotic crime (a Narcotics). There are many repetitions done by ex-convicts so that correctional institutions are less successful in carrying out construction. The effectiveness of correctional institutions in the prevention of drug crimes in Correctional institution Klas IIB Payakumbuh Klas IIA Bukittinggi has not run to the fullest. As for the factors that become a barrier to prevention of the preventive efforts of narcotics criminal acts of the problem of less employees, budgets, facilities and infrastructure, society and cooperation with outside parties are less effective. The author's suggestion to overcome the obstacles is to be more effective in preventing the prevention of narcotic criminal acts, so there should be experts in the field of spikology, religious and technical so that the construction of prisoners can run As expected.

PELAKSANAAN PEMBUATAN AKTA AUTENTIK OLEH NOTARIS DI KABUPATEN LIMA PULUH KOTA Umul Khair
Ensiklopedia Social Review Vol 3, No 3 (2021): Volume 3 No 3 Oktober 2021
Publisher : Lembaga Penelitian dan Penerbitan Hasil Penelitian Ensiklopedia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33559/esr.v3i3.1085

Notaries are public officials authorized to make authentic deeds and other authorities. Meanwhile, agreements made in writing before a notary or government official have perfect evidentiary power. Implementation of Authentic Deed Making by a Notary in Fifty Cities District the parties/appearers come to consult with the notary's office of consultation and convey what they want, the notary explains everything to the parties/appearers if everything has been completed by the parties/appearers, the deed will be signed by the parties (minuta/deed) and a copy will be issued by a notary, so based on the research the author did on the implementation of making an authentic deed by a notary in the District of Fifty Cities, it was in accordance with the Standard Operating Procedure (SOP), but was not maximized due to several obstacles. namely: the parties/appearers who came to the notary's office did not understand the notary deed and thought that the cost of making a notary deed was high and because the management system was on line, both CV, PT and Foundation, when the network had problems, the timing did not match the initial predictions of the parties. The solutions are as follows: increasing the understanding of the parties/appearers about the authentic deed, providing explanations to the parties/appearers about the procedure for making a notarial deed, explaining to the parties/appearers who come to the notary's office and changing the mindset and assumptions of the parties/appearers regarding the cost of making a notarial deed is high as well as providing explanations and understanding to the parties/appearers because the management system is online, when the network is in trouble, the time is not in accordance with the initial predictions of the parties/appearances. The suggestions are as follows: that the notary must be more careful in examining and making the deed, it is hoped that it will be a comprehensive renewal and reorganization in a law that regulates the position of a notary so that legal knowledge is created that applies to all residents throughout the territory of the State of Indonesia.Keywords: Implementation, Making, Authentic Deed, Notary.

PERLINDUNGAN HUKUM DATA NASABAH INTERNET BANKING DI BRI KOTA BUKITTINGGI DAN PAYAKUMBUH Umul Khair; Anny Yuserlina
Ensiklopedia Social Review Vol 1, No 2 (2019): Volume 1 No 2 Juni 2019
Publisher : Lembaga Penelitian dan Penerbitan Hasil Penelitian Ensiklopedia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33559/esr.v1i2.267

Kehadiran layanan internet banking telah menawarkan sejumlah fleksiblitas dan kemudahan dalam melakukan transaksi, baik antara bank dan nasabahnya, bank dengan merchant, bank dengan bank dan nasabah dengan nasabahnya. Namun demikian, kemudahan ini bukanlah berarti tanpa memiliki risiko. BRI Kota Bukitinggi dan BRI Kota Payakumbuh juga telah menyediakan layanan internet banking untuk para nasabahnya. Tujuan penelitian ini yang dapat dicapai adalah: untuk mengetahui dan menganalisis bentuk aspek hukum bank dalam melindungi data pribadi pada nasabah pada pelayanan internet banking dan untuk mengetahui dan menganalisis pelaksanaan perlindungan hukum terhadap nasabah pengguna internet banking di BRI kota Bukittinggi dan BRI Kota Payakumbuh Metode dari penelitian ini adalah penelitian kualitatif yang bersifat deskriptif metode pendekatan yuridis empiris. Hasi dari penelitian ini adalah: kerahasiaan Data Nasabah BRI Kota Bukitinggi dan BRI Kota Payakumbuh mengenai nasabah dan keuangannya tidak boleh dibuka dengan alasan apapun dan oleh siapapun,. Perlindungan data transaksi dan nasabah BRI Kota Bukitinggi dan BRI Kota Payakumbuh tersebut akan lebih kuat dan mempunyai kekuatan hukum yang pasti apabila diatur dalam bentuk undang-undang atau peraturan. Keamanan dan keselamatan data nasabah ini dijabarkan melalui bentuk perlindungan nasabah seperti yaitu client charter, kerahasiaan data nasabah, test and trial drive, dan customer support service.

ANALISIS YURIDIS PERJANJIAN PEMBIAYAAN KONSUMEN DAN AKIBAT HUKUM JIKA TERJADI WANPRESTASI DALAM PERJANJIAN PEMBIAYAAN KONSUMEN DI INDONESIA Umul Khair
JCH (Jurnal Cendekia Hukum) Vol 3, No 1 (2017): JCH (JURNAL CENDEKIA HUKUM)
Publisher : STIH Putri Maharaja

In Article 1329 of the Civil Code, the agreement is divided into 2 (two) kinds, namely the named agreement (nominaat) and unnamed agreement (innominaat). Contracts or agreements develope at this time as a logical consequence of the development of business cooperation between business actors. In a treaty there is one part bind itself to another part. Consumer financing is an agreement not specifically regulated in the Civil Code, but since the book III of the Civil Code embraces an open system, parties may enter into agreements not specifically regulated in the Civil Code. The consumer financing agreement as an Innominaat agreement is also subject to general terms of agreement. In this study using normative research methods, where the authors can examine and can also learn the norms contained in legislation or norms that regulated the principle of freedom of contract according to the Civil Code so that in its implementation in accordance with applicable regulations. The results show how the implementation of consumer financing agreements in Indonesia and how the legal consequences in case of default in consumer financing agreements. First, basically the consumer financing agreement in Indonesia is conducted like other agreements in general. Consumer Financing Agreement is not like a sale or purchase agreement or a lease, but the consumer financing agreement is a combination of both applicable by the parties exercising the rights and obligations in the agreement as described above. Second, the result of the law in case of default, the agreement does not need to be requested for cancellation, but by itself has been null and void, but the provisions of Article 1266 paragraph 2 explain that the consequences of the law of default are not null and void, but must be annulled to the judge. Subsequently Article 1244- Article 1252 of the Criminal Code describes the compensation for default, namely, by paying the actual losses suffered, the fees used, and allowed to cease the expected loss of profits.

PELAKSANAAN HAK ASUH ANAK SETELAH TERJADINYA PERCERAIAN Umul Khair
JCH (Jurnal Cendekia Hukum) Vol 5, No 2 (2020): JCH (JURNAL CENDEKIA HUKUM)
Publisher : STIH Putri Maharaja

Based on law, children under the age of ten, should be passed into their mother. Whereas for children over the age of ten have a right to choose, even though, in reality, they will be more is taken care of by their father. This study aims to find out how the implementation of child custody after the divorce occurred in the Jopang Manganti kenagarian?. In addition, the study was made to find out what obstacles arose in the implementation of child custody after the divorce took place in Jopang Manganti? As well as how is the solution to overcome the obstacles in the implementation of child custody after the divorce took place in Jopang Manganti? This study uses a sociological juridical approach which concludes that the implementation of child custody after the divorce in the Jopang Manganti religion is in fact incompatible with the decision of the religious court with the constraints. These constraints include: Lack of a sense of responsibility of the mother, the mental condition of the mother who is not ready to face divorce, lack of religious knowledge of the mother. The researcher also recommends that the solution to this obstacle is to give the mother an understanding of the responsibility that the child is entrusted by God. Another solution is to provide an understanding that not every divorce has a negative impact, increasing the understanding of religion that God has predestined divorce.

ANALISIS YURIDIS TERHADAP AKIBAT HUKUM PUTUSAN PERNYATAAN PAILIT BAGI DEBITOR TERHADAP KREDITOR PEMEGANG HAK TANGGUNGAN Umul Khair
JCH (Jurnal Cendekia Hukum) Vol 3, No 2 (2018): JCH (JURNAL CENDEKIA HUKUM)
Publisher : STIH Putri Maharaja

The research and discussion of the problems as outlined in this scientific work is done with the aim of knowing which legal provisions apply to the creditors holding the Mortgage Rights in the case of the decree of declaration of bankruptcy, considering there are two different legal provisions, namely Bankruptcy Law Number 37 of 2004 and Insurance Rights Act No. 4 of 1996. This research is a Yuridi Normative research. Data obtained through literature research. The purpose of library research is to obtain secondary data. Primary data obtained through library research, then the data were analyzed qualitatively. From the result of the research, it is known that the Commercial Court judge in determining the decision of bankruptcy statement based its decision on the provisions of Law No. 34 of 2004, and the judges use legal principle of lex posteriori derogate legi priori to determine which legal provisions should be applied. Thus, both the bankrupt debtor and the creditor are subject to the provisions of bankruptcy, so that the holder of the mortg who has the position of the preferred creditor can only exercise his / her right of execution of the burden of the mortgage for a period of two months after a ninety-day suspension period since the bankruptcy decision was pronounced.

IMPLEMENTATION OF COLLECTION OF NAD LOANS THROUGH AUCTION ON LIABILITY RIGHTS AS GUARANTEE IN PT. BPD SUMATERA BARAT Umul Khair; Ana Ramadhona; Edi Rosman
Jurnal Cendekia Hukum Vol 7, No 2 (2022): JCH (JURNAL CENDEKIA HUKUM)
Publisher : STIH Putri Maharaja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33760/jch.v7i2.525

Basically, the granting of credit facilities can be done by anyone, as long as the person concerned has the ability to do so, through a loan agreement between the lender (creditor on the one hand) and the loan recipient (debtor on the other). However, in practice, the debtor always agrees to the loan agreement by the creditor even though the interest is very high. In order to guarantee the interests of the bank, the debtor is required to provide a guarantee/collateral to the bank PT. BPD West Sumatra is one of the banks that implement auctions as a way of resolving non-performing loans. The Bank will submit an auction to be executed by the State Property and Auction Service Office (KPKNL). So the procedure for settling bad loans through auctions at PT. BPD West Sumatra for example at Bank Nagari Payakumbuh Branch has complied with other banking regulations guided by the Regulation of the Minister of Finance in particular Article 6 and Article 20, as well as Regulation of the Minister of Finance No. 106/PMK.06/2013 concerning Amendments to the Regulation of the Minister of Finance No. 93/PMK.06/2010 concerning Instructions for Implementation of Auctions, and the object of Collateral that can be processed for auction is collateral that has been installed with Mortgage through the Office of the State Assets and Auction Service (KPKNL).

PELAKSANAAN PERJANJIAN KREDIT DENGAN JAMINAN GADAI DEPOSITO BERJANGKA PADA PT. BANK NAGARI Ana Ramadhona; Umul Khair
Ensiklopedia Education Review Vol 4, No 3 (2022): Volume 4 No 3 Desember 2022
Publisher : Lembaga Penelitian dan Penerbitan Hasil Penelitian Ensiklopedia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33559/eer.v4i3.1540

Perjanjian jaminan gadai deposito Berjangka pada PT. Bank Nagari dalam praktek perbankan, ditetapkan prinsip pemberian kredit , yang melarang bank menanggung risiko akibat pemberian kredit, sehingga setiap pinjaman yang diberikan harus ada jaminannnya diantaranya adalah jaminan deposito berjangka dengan tahapan: melakukan pengikatan kredit sebagai perjanjian pokok, pengikatan deposito dilakukan dengan pembuatan akta perjanjian gadai antara pemilik deposito dengan pihak bank, penyerahan bilyet deposito berjangka yang dijaminkan, pemilik deposito berjangka/pemberi gadai memberikan kuasa kepada pemegang gadai yaitu pihak bank untuk melakukan pencairan deposito berjangka sedangkan hambatan yang dihadapai dalam pelaksanaan perjanjian jaminan gadai deposito berjangka pada PT. Bank Nagari adalah akta perjanjian yang dibuat dibawah tangan, debitur telah melakukan wanprestasi dalam bentuk kredit macet/kurang lancar. Upaya yang dilakukan untuk mengatasi kendala tersebut adalah seharusnya dalam pembuatan Perjanjian Kredit dan Pembuatan akta gadai deposito berjangka antara bank dengan Calon Nasabah/debitur dengan akta notaris agar lebih kuat status hukumnya dan perjanjian tersebut memiliki kekuatan pembuktian yang sempurna. disarankan agar akta perjanjian kredit deposito tersebut dibuat dengah akta notaris, terhadap pelaksanaan perjanjian yang wan prestasi maka penyelesaian dengan jalan perdamaian, memberikan pengarahan agar nasabah secara maksimal dapat membayar angsuran tepat pada waktunya.Kata Kunci : Perjanjian Kredit, jaminan, gadai, Deposito

PENYELESAIAN WANPRESTASI PERJANJIAN ANTARA PEMILIK BISNIS DENGAN SELEBGRAM DALAM MEMPROMOSIKAN SUATU PRODUK SECARA ONLINE Umul Khair; Ana Ramadhona
Ensiklopedia of Journal Vol 5, No 4 (2023): Vol. 5 No. 4 Edisi 2 Juli 2023
Publisher : Lembaga Penelitian dan Penerbitan Hasil Penelitian Ensiklopedia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33559/eoj.v5i4.1857

The development of the internet in Indonesia has changed very quickly over time. The large number of online shop accounts that have emerged then makes business and business competition even higher. One way that is widely used by online shop business owners today to get consumers' attention is to use the services of an artist on Instagram, or what is commonly called a "celebgram". The problems studied are the implementation of agreements between business owners and celebrities in promoting a product online and settlement of defaults in the implementation of agreements between business owners and celebrities in promoting a product online. This study uses an empirical juridical approach with primary data and secondary data, then analyzed qualitatively. The results of the study concluded that: The implementation of the agreement between the business owner and the celebrity in promoting a product online has carried out the agreement in good faith, where the implementation of the agreement between the business owner and the celebrity in promoting a product online, in this case the business owner will offer cooperation to the public figure to be able to help market the product. These public figures were then asked to provide endorsement appointments, and the problem in implementing the agreement between the business owner and the celebrity in promoting a product online was the occurrence of a default, namely: carrying out the endorsement, but it was late, and carrying out something, but not according to the agreement.Keywords: default, agreement, business owner, celebgram, online.

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