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All Journal JURNAL HUKUM Pembaharuan Hukum
Taufiq El Rahman
Universitas Gadjah Mada
Religion Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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PERLINDUNGAN HUKUM TERHADAP KREDITUR AKIBAT SURAT KUASA MEMBEBANKAN HAK TANGGUNGAN YANG TERDEGRADASI SEBAGAI AKTA DI BAWAH TANGAN Gusriadi Gusriadi; Taufiq El Rahman
Jurnal Hukum Vol 37, No 2 (2021): Jurnal Hukum
Publisher : Unissula

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26532/jh.v37i2.16325

Abstract

This study has two (2) objectives, first to analyze the legal consequences of the Power of Attorney to Charge for the Right of Land Mortgage (SKMHT) which has been relegated into privately made deed and used as a requirement to create a Mortgage Deed (APHT) that was registered to National Land Authority of Bantul Regency. The second objective is to analyze the legal protection of creditor against SKMHT which has been relegated into privately made deed. As a result, that APHT made based on SKMHT was not issue as a violation of the subjective and objective conditions for the validity of the agreement and the principle of freedom of contract, resulting in APHT being null and void. A form of internal legal protection given back to the principal agreement, i.e. a credit agreement made by the parties. External legal protection is legal protection provided by legislation, namely provided by Article 1131 and Article 1132 of the Civil Code, namely as holders of general guarantees known as concurrent creditors or conducting credit restructuring as an effort to save credit. Penelitian ini memiliki 2 (dua) tujuan. Pertama, yakni untuk menganalisis konsekuensi hukum terhadap SKMHT yang terdegradasi menjadi akta dibawah tangan dan telah ditindaklanjuti pembuatan APHT serta didaftarkan di Kantor Pertanahan Kabupaten Bantul. Tujuan yang kedua adalah untuk menganalisis perlindungan hukum terhadap kreditur akibat SKMHT yang terdegradasi sebagai akta dibawah tangan. Penelitian ini adalah penelitian hukum normatif empiris. Hasil penelitian menunjukan bahwa APHT yang dibuat berdasarkan SKMHT tidak melanggar syarat subjektif dan syarat objektif sahnya perjanjian dan asas kebebasan berkontrak sehingga mengakibatkan APHT menjadi batal demi hukum. Kedua, perlindungan hukum terhadap kreditur meliputi perlindungan hukum internal dan eksternal. Secara internal, perlindungan hukum diberikan oleh perjanjian pokoknya, yaitu perjanjian kredit, dan secara eksternal, perlindungan hukum diberikan oleh peraturan perundang-undangan yaitu diberikan oleh Pasal 1131 dan Pasal 1132 KUHPerdata yakni sebagai pemegang jaminan umum yang dikenal sebagai kreditur konkuren atau melakukan restrukturisasi kredit sebagai upaya penyelamatan kredit.
Strengthening Consumer Protections In Indonesia Amid Immersive Technology Advancements Uni Tsulasi Putri; Irna Nurhayati; Taufiq El Rahman
Jurnal Pembaharuan Hukum Vol 13, No 2 (2026): Jurnal Pembaharuan Hukum
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26532/jph.v13i2.40945

Abstract

The rapid advancement of immersive technologies, fueled by artificial intelligence, is transforming industries such as education, healthcare, and commerce. These innovations offer significant opportunities, but they also introduce legal and regulatory challenges, particularly regarding consumer protection. This study examines the adequacy of Indonesia's existing legal frameworks, including the Consumer Protection Act, Data Protection Act, and Electronic Information and Transaction Law, in addressing the complexities of digital ownership, data privacy, and consumer rights in virtual spaces. Using normative legal research sourced from secondary data analysis, the research highlights gaps in the current legal framework, including the need for explicit recognition of virtual assets, stronger privacy safeguards, and mechanisms for cross-border enforcement. It proposes regulatory enhancements, government support, and ethical business practices as key strategies to balance innovation with consumer protection.
Co-Authors Gusriadi Gusriadi Irna Nurhayati Uni Tsulasi Putri