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Journal : ARBITER: Jurnal Ilmiah Magister Hukum

Perjanjian Jaminan Fidusia Kaitan dengan Penyidikan Tindak Pidana Perlindungan Konsumen Sipayung, Iskandar Muda; Kamello, Tan; Marlina, Marlina; Kartika, Arie
ARBITER: Jurnal Ilmiah Magister Hukum Vol 1, No 2 (2019): ARBITER: Jurnal Ilmiah Magister Hukum November
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (271.836 KB) | DOI: 10.31289/arbiter.v1i2.118

Abstract

This research is normative legal research, an explanatory descriptive nature that aims to describe, disclose and explain the relationship between the non-criminal investigation of consumer protection with consumer guarantee agreements. The analysis is carried out using a juridical approach method which is then synchronized vertically or horizontally to related laws to see the existence of harmonization and certainty in the existing legal system. To further sharpen the results of the study also carried out an analysis of the effectiveness of the case. The results of the study provide an illustration that the Fiduciary Security Act has a problem in Article 15 regarding the provisions of the procedure for execution that is contrary to the HIR / RBg. Likewise, between Article 54 paragraph (3) and Article 56 paragraph (2) of the Consumer Protection Act, an inconsistency occurs in its application and implementation. With respect to agreements containing standard clauses, business actors and / or their management can be criminalized, in accordance with Article 18 in conjunction with Article 62 of the Consumer Protection Act. It is recommended that the Government and the House of Representatives of the Republic of Indonesia be able to revise these articles in order to realize legal certainty for all parties.
Studi kasus pemberian kredit usaha kecil dengan jaminan tanah belum bersertifikat pada PT. Bank Sumut Medan Shah, Muhammad Rahmaddian; Kamello, Tan; Andriati, Syarifah Lisa
ARBITER: Jurnal Ilmiah Magister Hukum Vol 6, No 2 (2024): ARBITER: Jurnal Ilmiah Magister Hukum November
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/arbiter.v6i2.5192

Abstract

This study analyzes the legal implications and risk mitigation strategies in the use of uncertified land as credit collateral at PT Bank Sumut. The bank plays an important role in supporting local economic growth through the provision of credit to SMEs, but faces major challenges related to the legality of uncertified land. The research method used is normative juridical, supported by empirical data to examine relevant laws and regulations, such as Law Number 10 of 1998 concerning Banking and Law Number 4 of 1996 concerning Dependent Rights. The results of the study show that land that has not been certified as collateral increases legal risks for banks. Bank Sumut has developed a comprehensive credit assessment strategy and mitigation measures, such as independent assessments and credit restructuring, to mitigate the associated risks. In conclusion, this practice requires the strict application of the prudential principle.
Perjanjian Kerjasama Antar Pelaku Usaha Dengan Pihak Pemerintah Yang Penyelesaiannya Melalui Badan Arbitrase Nasional Indonesia (Bani) Medan (Studi Di Kota Medan) Shah, Elbarino; Kamello, Tan; Andriati, Syarifah Lisa
ARBITER: Jurnal Ilmiah Magister Hukum Vol 6, No 2 (2024): ARBITER: Jurnal Ilmiah Magister Hukum November
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/arbiter.v6i2.5191

Abstract

This article aims to analyze the role of BANI Medan in resolving business settlements that occur between perpetrators and the government in Medan City. This research will also examine the factors that cause default in cooperation agreements as well as settlement efforts made by BANI Medan. Data was collected through document study, interviews with related parties, and direct observation of arbitration cases at BANI Medan and analyzed qualitatively. This study concludes that BANI Medan plays an important role in resolving business peace by providing efficient, fast and confidential arbitration. While there are challenges such as lack of awareness about arbitration, the benefits are clearly greater. With the increasing complexity of business in Medan, BANI's role is increasingly relevant. To prevent default in business agreements, it is important to draw up clear contracts, manage finances well, and understand the law. BANI Medan helps maintain a stable business environment and reduces sustainability risks.