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AKIBAT HUKUM SURAT KUASA DIREKSI YANG DIPALSUKAN TERHADAP KREDIT YANG TELAH DICAIRKAN (STUDI PUTUSAN MAHKAMAH AGUNG NOMOR 4575 K/PDT/2022) Novarani Caltiara Anam; Aad Rusyad Nurdin
UNES Law Review Vol. 5 No. 4 (2023): UNES LAW REVIEW (Juni 2023)
Publisher : LPPM Universitas Ekasakti Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v5i4.587

It is important to be careful when the directors assign the authority of substitution to someone else who will represent the company. The Directors shall set down in the Power of Attorney in specific and definite terms the scope of the legal activities authorized by the Power of Attorney. This does not, however, exclude the chance that the person who received the power of attorney might abuse that authority and cause damages for the agent of that power of attorney. In the Decision of the Supreme Court Number 4575 K/PDT/2022, the notary, who was the party who made the deed of power of attorney for the directors, bears responsibility for the legal ramifications of a forged directors' power of attorney on credit that has been disbursed. A normative-juridical research methodology with a case study approach was utilized to examine Supreme Court Decision Number 4575 K/PDT/2022. According to the study's findings, the credit agreement remained legally enforceable for the parties even though the power of attorney for directors was declared illegal because it failed to satisfy the subjective criteria for agreement validity. Therefore, even though the notary who created the forged power of attorney is not criminally liable, he is nonetheless held civilly liable for any losses brought on by the forged document.

TANGGUNG JAWAB ANGGOTA DIREKSI TERHADAP PENGGELAPAN UANG PERUSAHAAN PERBANKAN YANG DISIMPAN DALAM KHAZANAH PENYELENGGARA JASA PENGOLAHAN UANG RUPIAH Lucia Herutami Arum Sekarlathi; Aad Rusyad Nurdin
Otentik's : Jurnal Hukum Kenotariatan Vol 5 No 2 (2023): Juli
Publisher : Fakultas Hukum Universitas Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35814/otentik.v5i2.5105

Perlindungan hukum, seyogyanya tidak hanya fokus menyasar pada masyarakat selaku konsumen perbankan, namun juga melindungi perusahaan perbankan selaku pelaku jasa keuangan. Penelitian ini akan mengkaji kesesuaian implementasi perlindungan hukum bagi perusahaan perbankan berdasarkan hukum positif di Indonesia, khususnya pada saat terjadi penggelapan uang milik perusahaan perbankan yang dilakukan oleh direktur Penyelenggara Jasa Pengolahan Uang Rupiah, selaku perusahaan rekanan perbankan untuk melaksanakan kegiatan pengolahan uang rupiah. Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian doktrinal, sehingga metodologi penelitian ini ialah penelitian hukum yang bersifat normatif. Penelitian ini menyimpulkan bahwa perlindungan hukum bagi perusahaan perbankan, sehubungan dengan penggunaan layanan pengelolaan uang rupiah dari PJPUR sudah cukup diakui dalam perangkat hukum yang berlaku, meskipun pada saat aktual terjadi insiden penggelapan uang tunai milik perusahaan perbankan, perusahaan perbankan sulit untuk memperoleh ganti rugi yang setimpal atas hilangnya uang tunai tersebut.

PERILAKU RAMAH AIR DALAM PERSPEKTIF HUKUM(STUDI PERATURAN DAERAH DKI JAKARTA DAN KOTA DEPOK TERKAIT SUMBER DAYA AIR) Dewi, R. Ismala; Nurdin, Aad Rusyad
Jurnal Hukum & Pembangunan
Publisher : UI Scholars Hub

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Various water resource problems that occur in Indonesia, including in DKI Jakarta and surrounding cities, such as flooding, drought, raw water crisis, river water pollution, have an impact on decreasing water availability. This is partly due to the unfriendly behavior of the community in using water, especially those in water catchment areas. Therefore, it is necessary to manage waterto maintain the sustainability of water availability so as to provide fair benefits to the community. Given these objectives and the existence of complex water problems, it requires adequate regulation. A rule that is not only to overcome the act of destroying the environment/water resources, but also to be able to encourage behavior in order to prevent or at least reduce the occurrence of environmental damage. Therefore, it is necessary to study how the rule of law, in this case the Regional Regulation (Perda) of DKI Jakarta and the city of Depok in regulating the environment/water resources is related to the behavior of the people who are friendly to water. The approach taken in this study is normative juridical towards Regional Regulations (Perda).

KAJIAN PERATURAN PERLINDUNGAN KONSUMEN DI SEKTOR PERBANKAN Nurdin, Aad Rusyad
Jurnal Hukum & Pembangunan
Publisher : UI Scholars Hub

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The dynamics of carrying out intensive banking business activities between customers and banks have the potential to raise various problems that cause violations of the rights of customers as consumers of a bank's business activities. To overcome the problems of customers as banking consumers, it is necessary to examine the regulations in the banking sector regarding consumer protection regulations in the banking sector with Law No. 8 of 1999 concerning Consumer Protection (UUPK). This research is a normative research that study the law of consumer protection as contained in the UUPK. The results of the study show that the legislation in the banking sector in general is in accordance with the regulation on consumer protection as regulated in the UUPK So that the regulation of consumer protection in the banking sector can be used as a benchmarking for the development of the development of consumer protection in other sectors, and also be an input into changes in the UUPK.

Peran Notaris Dalam Perjanjian Kerjasama Antara Developer Dan Bank Untuk Penyaluran KPR Kosasih, Ridwan Miftah; Nurdin, Aad Rusyad
JISIP: Jurnal Ilmu Sosial dan Pendidikan Vol 7, No 1 (2023): JISIP (Jurnal Ilmu Sosial dan Pendidikan) (Januari)
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/jisip.v7i1.4190

Perjanjian kerjasama untuk pembelian unit rumah dengan skema KPR sangat dibutuhkan masyarakat karena harga rumah yang tinggi untuk itu dilakukanlah Kerjasama untuk penjualan unit rumah dari developer kepada bank dan kerjasama dengan bank memberikan fasilitas modal kerja konstruksi kepada pengembang . Penelitian dengan pendekatan yuridis normatif yang bersifat deskriptif dimulai dari bentuk kerjasama mengenai penjualan unit rumah, KPR, peranan notaris dalam proses kerjasama antara pengembang dan bank. Tujuan penulisan ini adalah pengembangan ilmu hukum dalam bidang Hukum Kenotariatan yang berkaitan dengan perjanjian antara para pihak ,bentuk kerjasama dan peranan notaris sebagai pejabat umum dalam penyaluran kredit KPR.

Pelindungan Bank sebagai Pemegang Hak Tanggungan terhadap Kepemilikan Hak Atas Tanah yang Dibatalkan oleh Badan Pertanahan Nasional Akibat Putusan Pengadilan (Studi Kasus PT X) Putri, Lidya Dwi; Nurdin, Aad Rusyad
Jurnal Hukum Lex Generalis Vol 5 No 9 (2024): Hukum Agraria dan Pertanahan
Publisher : CV Rewang Rencang

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Credit is a fundamental function of banks, playing a vital role in fund distribution and economic stimulation, as regulated by the latest Banking Law. Credit is defined as the provision of money or equivalent claims based on a loan agreement, with an obligation to repay with interest. Legal protection for creditors, especially in the execution of collateral, is essential for ensuring fairness and transparency. Execution, though not explicitly defined in Indonesian law, is understood as the implementation of a court decision or the sale of seized property. Property rights, encompassing both collateral rights and enjoyment rights, are central to banking practices for securing debt. Collateral, often in the form of mortgage rights over land, provides a legal guarantee for creditors. While collateral does not transfer ownership, it ensures that creditors' claims are protected in cases of debtor default. Collateral involving property encumbered with mortgage rights is prioritized in protecting banks' interests in credit facilities due to the high economic value of land, which generally appreciates annually. According to Article 4 of Law No. 4 of 1996 on Mortgage Rights Over Land and Land-Related Objects, the types of land rights that can be encumbered with a mortgage include ownership rights, cultivation rights, and building rights. The mortgage holder acts as a preferential creditor with superior rights compared to concurrent creditors (droit de préférence).

Peran Notaris dalam Pelaksanaan Akad Pembiayaan Murabahah pada Pt Bank Syariah X Tbk Rizkina Anggraeni; Aad Rusyad Nurdin
Jurnal Ilmu Hukum, Humaniora dan Politik Vol. 5 No. 4 (2025): (JIHHP) Jurnal Ilmu Hukum, Humaniora dan Politik
Publisher : Dinasti Review Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jihhp.v5i4.3805

Bank syariah memainkan peran penting dalam sistem keuangan Indonesia dengan menawarkan alternatif yang bebas dari praktik riba dan unsur yang dilarang dalam Islam. Penelitan ini berfokus pada konsep dan penerapan Akad Pembiayaan Murabahah di PT Bank Syariah X Tbk serta peran Notaris dalam pelaksanaannya. Akad Pembiayaan Murabahah sebagai salah satu bentuk pembiayaan pada perbankan syariah yang berbasis jual-beli, yang mana memungkinkan bank untuk memberikan fasilitas kepada nasabah dengan memberitahukan harga serta keuntungan secara jelas. Dalam penelitian ini, pendekatan normatif digunakan dengan analisis kualitatif terhadap data sekunder. Hasil dari penelitian ini adalah bahwa Akad Pembiayaan Murabahah adalah salah satu akad yang paling sering digunakan pada PT Bank Syariah X Tbk. Akad Pembiayaan Murabahah banyak digunakan untuk pembiayaan yang bersifat konsumtif. Dalam Akad Pembiayaan Murabahah, Notaris berperan penting dalam memastikan legalitas akad dengan melalui pembuatan akta autentik yang bentuknya sesuai dengan ketentuan perundang-undangan yang berlaku dengan tetap memperhatikan prinsip-prinsip syariah.

Analisis Yuridis Masa Berlaku Hak Tagih Terhadap Pinjaman Darurat 1950 Berupa Obligasi (Putusan Pengadilan Tinggi Padang Nomor 216/Pdt/2022/Pt Pdg) Bawarith, Rafiqa Humaira; Nurdin, Aad Rusyad; Adli, Muhammad
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.12115

Penerbitan obligasi lama tahun 1950 merupakan langkah pemerintah dalam mengatasi defisit keuangan negara yang tidak stabil di awal kemerdekaan Indonesia. Pastisipasi besar masyarakat dalam membangun kembali bangsa pasca kemerdekaan tercermin dari terjualnya seluruh obligasi lama 1950 yang keseluruhannya bernilai Rp. 1.000.000.000 (1 miliar rupiah). Ketentuan pembayaran obligasi oleh pemerintah kepada pemegang obligasi lama paling lambat 40 tahun sejak obligasi tersebut terjual dengan ketentuan sebesar bunga 3 % setiap tahunnya. Akan tetapi pada tahun 1978 pemerintah mengeluarkan surat edaran terkait pembayaran kembali obligasi lama dengan ketentuan dinyatakan daluwarsa apabila paling lambat 5 tahun sejak pengumuman tersebut dikeluarkan pemegang obligasi lama 1950 tidak menggunakan hak tagihnya. Kenyataannya sejak tahun 1983 obligasi lama 1950 dinyatakan kadaluwarsa, hingga kini tecatat kurang lebih 220 pemegang obligasi atau ahli warisnya mengajukan upaya mendapatkan Kembali pembayaran piutangnya. Salah satunya dengan adanya Putusan Pengadilan Tinggi Padang Nomor 216/Pdt/2022/Pt Pdg yang memutus bahwa pemerintah berkewajiban melakukan pelunasan utangnya sejumlah Rp.66.000.000.000 (enam puluh enam miliar rupiah) setelah dikonversi dengan emas dan ditambahkan bunga 3 % setiap tahunnya. Penelitian ini dilakukan secara doktrinal dengan analisis data secara kualitatif serta pengolahan data berdasarkan pemahaman peneliti terhadap data yang diperoleh dan selanjutnya dinarasikan untuk memperoleh simpulan penelitian. Hasil Penelitian diperoleh bahwa hubungan hukum yang terbentuk pemerintah sebagai penerbit obligasi lama yang bertindak sebagai debitur dengan pemegang obligasi lama yang bertindak sebagai kreditur didasarkan pada Undang- Undang Nomor 13 Tahun 1950 Tentang Pinjaman Darurat. Masa berlaku hak tagih bagi obligasi lama 1950 tersebut secara jelas telah diatur bahwa pelunasan kembali akan dilakukan paling lambat 40 tahun. Akan tetapi dikarenakan adanya percepatan pembayaran pada tahun 1978 sebagaimana Keputusan Menteri Keuangan KMK 466a/1978 dengan masa tunggu 5 (lima) tahun sejak keputusan tersebut dikeluarkan sebelum dinyatakan daluawarsa.hal ini selaras dengan UU perbendaharaan negara sebagai lex spesialis mengenai daluwarsa ditentukan selama 5 tahun untuk menggunakan hak tagihnya.

AKIBAT HUKUM SURAT KUASA DIREKSI YANG DIPALSUKAN TERHADAP KREDIT YANG TELAH DICAIRKAN (STUDI PUTUSAN MAHKAMAH AGUNG NOMOR 4575 K/PDT/2022) Anam, Novarani Caltiara; Nurdin, Aad Rusyad
UNES Law Review Vol. 5 No. 4 (2023)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v5i4.587

It is important to be careful when the directors assign the authority of substitution to someone else who will represent the company. The Directors shall set down in the Power of Attorney in specific and definite terms the scope of the legal activities authorized by the Power of Attorney. This does not, however, exclude the chance that the person who received the power of attorney might abuse that authority and cause damages for the agent of that power of attorney. In the Decision of the Supreme Court Number 4575 K/PDT/2022, the notary, who was the party who made the deed of power of attorney for the directors, bears responsibility for the legal ramifications of a forged directors' power of attorney on credit that has been disbursed. A normative-juridical research methodology with a case study approach was utilized to examine Supreme Court Decision Number 4575 K/PDT/2022. According to the study's findings, the credit agreement remained legally enforceable for the parties even though the power of attorney for directors was declared illegal because it failed to satisfy the subjective criteria for agreement validity. Therefore, even though the notary who created the forged power of attorney is not criminally liable, he is nonetheless held civilly liable for any losses brought on by the forged document.

IMPLICATIONS ON THE POSITION OF A NOTARY FOR NOTARIES WHO SERVE AS LEGISLATIVE MEMBERS Yap, Jacqueline; Nurdin, Aad Rusyad
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 002 (2024): Pena Justisia (Special Issue)
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i3.4472

Notary as a public official, is an honorary position that is given the trust to make authentic deeds as written evidence, as mandated by laws and regulations. As part of the people, it is possible for a notary to take part in political practices by running for the legislature. The Notary Position Law and the General Election Law prohibit the practice of dual positions. Therefore, notaries who are appointed as legislative members are required to take leave in accordance with the provisions of the Notary Position Law. However, the implementation of the position carried out by the substitute notary can be indicated as a disguised dual position. Thus, the idea of entrusting the notarial appointment decree to the Regional Supervisory Council during his/her tenure as a legislator was proposed.

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