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PENUNDAAN PEMENUHAN KEWAJIBAN DEBITUR DALAM PERJANJIAN KREDIT BAGI PELAKU UMKM AKIBAT PANDEMI COVID-19 SESUAI PERATURAN OTORITAS JASA KEUANGAN NOMOR 48 /POJK.03/2020 Yulinda, Kiki; Tiara, Dora; Mene, Meydianto
Ensiklopedia of Journal Vol 5, No 3 (2023): Vol. 5 No. 3 Edisi 3 April 2023
Publisher : Lembaga Penelitian dan Penerbitan Hasil Penelitian Ensiklopedia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33559/eoj.v5i3.1971

Abstract

The Covid-19 disaster in Indonesia affected all sectors and had a negative impact on economic development, health, education and applicable law. In the legal field, several matters related to the postponement of matters related to contract law based on POJK Number 48 of 2020 Concerning National Economic Stimulus as a Countercyclical Policy on the impact of Covid-19 and the problems faced also concern the postponement of debtor obligations in credit agreements to creditors due to the Covid-19 pandemic. in implementing the relaxation of delays in credit payments by debtors to creditors, in fact it was not carried out in its entirety for every debtor involved in a credit agreement against each creditor. This policy has been established regarding the requirements for debtors who can and are allowed to get credit relaxation for delays in fulfilling achievements during the current pandemic. However, there are still creditors who do not carry out what has been ordered, this is what causes many complaints from the public, who in this case are debtors.Keywords: Credit, Agreement, Delay.
PELAKSANAAN EKSEKUSI TERHADAP BARANG JAMINAN YANG TIDAK MEMILIKI AKTA FIDUSIA BERDASARKAN PUTUSAN NO. REG. 81/Pdt.G/2018.PN.Pdg Tiara, Dora; Gantika, Naldi
UNES Journal of Swara Justisia Vol 4 No 1 (2020): Unes Journal of Swara Justisia (April 2020)
Publisher : Program Magister Ilmu Hukum Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/ujsj.v4i1.140

Abstract

Financial institutions and banks provide financing for consumers, leasing, factoring. They generally use the procedure of the agreement which includes a fiduciary guarantee for fiduciary security objects. In practice, financial institutions provide movable goods requested by consumers. Consequently the debtor surrenders to the creditor in a fiduciary manner. Implementation of the executorial title by PT. Mandiri Tunas Finance is not through a court decision or fiduciary guarantee certificate, but only based on a power of attorney and agreement made by the collector . The sale of fiduciary collateral objects carried out by PT. Mandiri Tunas Finance does not go through public auctions but through separate sales; and Underhanded sales are not based on the agreement of both parties, the agreement is only based on PT. Mandiri Tunas Finance so that it harms the consumer. Actions taken by PT. Mandiri Tunas Finance does not provide legal certainty to both parties. The act of execution was carried out solely to safeguard assets regardless of legal certainty of the rights of consumers / debtors contained in fiduciary security objects in the form of car vehicles. Legal constraints of not registering the agreement are that execution cannot be carried out, based on Article 3 of the Minister of Finance Regulation No. 130 / PMK.010 / 2012 stating that finance companies are prohibited from withdrawing fiduciary objects in the form of motorized vehicles if the Fiduciary Registration Office has not issued a guarantee certificate fiduciary and hand it over to the finance company. With these provisions, PT. Mandiri Tunas Finance cannot execute if it does not register fiduciary collateral objects because without the registration of fiduciary collateral objects the fiduciary guarantee certificate cannot be issued.
Criminal Liability for Defendants Who Commit Crimes in the Field of Medical Practice Firdaus, Firdaus; Tiara, Dora; Viana, Wira Okta
Jurnal Ilmiah Ekotrans & Erudisi Vol. 4 No. 1 (2024): June 2024
Publisher : LPPM Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69989/6zpd6k62

Abstract

Physicians and dentists knowingly practising medicine without a practice license are subject to penalties under Article 76 of Law Number 29 of 2004 concerning Medical Practice. These penalties can include up to three years in prison or a fine of up to IDR 100,000,000..00 (one hundred million rupiah). The defendant, Putri Regita Yuniar, was referred to as Putri Binti, the late Edward Sebastian, in Decision Number 598/Pid.Sus/2022/PN.Pdg. The problem is formulated as follows: First, based on Decision Number 598/Pid.Sus/2022/PN.Pdg, what factors does the court consider when rendering a criminal decision for offences in the medical practice area? Second, according to Decision Number 598/Pid.Sus/2022/PN.Pdg, what is the criminal liability of defendants who commit offences in the medical practice area? This research's specifications are descriptive. This thesis was written using a normative juridical method. This study exclusively employed secondary data sources. The collected data was given descriptively after undergoing qualitative analysis. The following conclusions can be drawn from the research and discussion: first, the judge's factors when rendering a criminal decision for criminal acts in the medical practice area are classified as non-juridical factors, which include the defendant's aggravating and mitigating circumstances, and juridical factors, which are based on information presented during the trial, including the public prosecutor's indictment, witness statements, and the defendant's statements. Second, the defendant Putri Regita Yuniar, also known as Putri Binti, the late Edward Sebastian, was condemned by Law Number 29 of 2004 concerning Medical Practice, Article 78 in connection with Article 73 paragraph (2).
RESTRUKTURISASI KREDIT DENGAN JAMINAN HAK TANGGUNGAN PADA MASA PANDEMI COVID-19 DI BPR VII KOTO SUNGAI SARIK Kiki Yulinda; Dora Tiara
Journal of Social and Economics Research Vol 3 No 1 (2021): JSER, June 2021
Publisher : Ikatan Dosen Menulis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/jser.v3i1.43

Abstract

Adanya wabah Corona virus Disease (Covid-19) di Indonesia membawa dampak bukan hanya di sektor kesehatan tetapi juga pada sektor ekonomi. Lumpuhnya kegiatan ekonomi akibat adanya physical distancing untuk menekan penyebaran virus, menyebabkan pertumbuhan ekonomi menjadi terhambat, sehingga mengakibatkan kegiatan bisnis perbankan menjadi macet atau bermasalah terutama dalam menjaga kolekbilitas kreditnya. Kondisi seperti ini akan berimbas pada menurunnya kemampuan membayar para debitur dari suatu Bank. Ketidak mampuan atau menurunya kemampuan dari debitur untuk membayar angsuran kreditnya adalah merupakan gejala awal dari timbulnya suatu kredit bermasalah dalam dunia perbankan. Untuk mengatasi hal ini maka pemerintah mengeluarkan kebijakan yang dinamakan Restrukturisasi Kredit. Restrukturisasi kredit adalah upaya perbaikan yang dilakukan bank dalam kegiatan perkreditan terhadap debitur yang mengalami kesulitan untuk memenuhi kewajibannya yang diatur dalam Peraturan Otoritas Jasa Keuangan No.11/POJK.03/2015 dan PBI Nomor 14/15/PBI/2012. Restrukturisasi adalah program sebagai suatu upaya perbaikan yang dilakukan dalam kegiatan perkreditan terhadap debitur yang mengalami kesulitan untuk memenuhi kewajibannya.
KARAKTERISTIK HUKUM ISLAM PADA ZAMAN PENJAJAHAN BELANDA DAN JEPANG Mulyawan, Fitra; Tiara, Dora
UNES Law Review Vol. 3 No. 2 (2020)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v3i2.151

Abstract

Dalam perkembangan Hukum Nasional Indonesia, keberadaan hukum Islam sangat penting, selain sebagai materi bagi penyusunan hukum nasional, hukum Islam juga menjadi inspirator dan dinamisator dalam perkembangan hukum nasional. Di samping itu, kajian tentang sejarah hukum Islam di Indonesia juga dapat dijadikan sebagai salah satu pijakan bagi umat Islam secara khusus untuk menentukan strategi yang tepat di masa depan dalam mendekatkan dan “mengakrabkan” bangsa ini dengan hukum Islam. Tidak dapat dipungkiri bahwa umat Islam di Indonesia adalah unsur paling mayoritas. Dalam tataran dunia Islam internasional, umat Islam Indonesia bahkan dapat disebut sebagai komunitas muslim paling besar yang berkumpul dalam satu batas teritorial kenegaraan. maka ada beberapa pengidentifikasian masalah mengenai hal itu yaitu bagaimana perkembangan serta karakteristik Hukum Islam pada zaman penjajahan Belanda dan Jepang. Oleh karena itu karakteristik hukum Islam di Indonesia pada zaman penjajahan Belanda, para ahli sejarah hukum membaginya menjadi dua periode: pertama, periode penerimaan hukum Islam sepenuhnya atau yang biasa disebut reseption in Complexu. Kedua, periode penerimaan hukum Islam oleh hukum adat yang biasa disebut teori receptie. Karakteristik hukum Islam di Indonesia pada zaman penjajahan Jepang yaitu mengenai posisi hukum Islam dalam system hukum nasional pada masa kolonial Jepang tidak ada perubahan yang berarti dari periode sebelumnya. Hanya merubah nama-nama lembaga yang ada pada masa penjajahan Belanda ke dalam bhasa Jepang.