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All Journal Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Jurnal Pengabdian Kepada Masyarakat (Indonesian Journal of Community Engagement) Panrita Abdi - Jurnal Pengabdian pada Masyarakat Unram Law Review UIR LAW REVIEW Jurnal Penelitian dan Pengabdian Kepada Masyarakat UNSIQ Jurnal Jatiswara Dialogia Iuridica Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam Cepalo Media Keadilan: Jurnal Ilmu Hukum jurnal hukum das sollen Unri Conference Series: Community Engagement Community Empowerment Jurnal Rechts Vinding : Media Pembinaan Hukum Nasional Jurnal Ilmiah Wahana Pendidikan Jurnal Pahlawan Jurnal Ilmu Hukum Riau Law Journal Jurnal Riset Indragiri SEIKAT: Jurnal Ilmu Sosial, Politik dan Hukum Journal of Education Religion Humanities and Multidiciplinary Jurnal Hukum Mimbar Justitia SEIKAT: Jurnal Ilmu Sosial, Politik dan Hukum Journal of Law and Legal Reform Journal Of Law And Social Society
Ulfia Hasanah
Universitas Riau
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences Other

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PENYELESAIAN SENGKETA PERALIHAN HAK ATAS TANAH SUKU PILIANG DI DESA KUOK KECAMATAN KUOK KABUPATEN KAMPAR Ilham Saputra; Firdaus '; Ulfia Hasanah
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 5, No 2 (2018): Juli - Desember
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Abstract

Every society desperately needs land in its life, in indigenous communities there is a name communal right which is the right of a group of indigenous peoples to a piece of land called communal land. The implementation of this customary right shall be based on the national interest and the state which is not contradictory to other regulations, can be seen in Article 3 of Law Number 5 Year 1960 on the Basic Regulation Agrarian Law and in Article 2 Paragraph (2) of Kampar District Regulation that Function of Land Rights of Ulayat is to improve the welfare of social and economic community members and society and in Kampar custom law regulation any haraus decision based on deliberation to consensus. However, cases that occur in the existence of communal land that is traded / granted and its utilization is no longer in accordance with the existing rules. The purpose of writing this thesis, namely: first, to know the background of the occurrence of Dispute Rights Transfer of Land Piliang Tribe in Kuok Village Kuok District Kampar district, second to know Dispute Settlement Efforts Dispute Rights of Piliang Tribal Land in Kuok Village Kuok Subdistrict Kampar District.This type of research can be classified in the type of sociological research, because in this study the authors directly conduct research on the location or place studied in order to provide a complete and clear picture of the problem under study. This research was conducted in Kuok Village, Kuok Subdistrict, Kampar District, while the population and sample were all parties related to the problem studied in this study, the data source used primary data and secondary data, data collection technique in this research by interview and literature study.From the results of research, there are three main things that can be concluded. First, because of the daily necessities and different economic interests of indigenous and tribal peoples so that in meeting the needs and interests of the customary law. Secondly, the utilization of communal land is inconsistent with the interests of indigenous peoples and has even caused harm to the indigenous peoples themselves. Third, the dispute settlement is done by chief of the people piliang caniago that seven. The author's suggestion, first, that indigenous peoples should prioritize common interests. Secondly, the management and utilization of communal land should be implemented based. Third, the LAK must perform its of Kuok Kuok Subdistrict, Kampar regency.
TINJAUAN YURIDIS PENGEMBALIAN MAHAR SETELAH PERCERAIAN MENURUT KOMPILASI HUKUM ISLAM (Studi Terhadap Putusan Pengadilan Agama Wonosari Nomor : 1023/Pdt.G/2009/PA.Wno) Icha Rezky; Maryati Bachtiar; Ulfia Hasanah
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 4, No 1 (2017): Wisuda April 2017
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Abstract

Pillars in marriage is something that must be met in carrying out the marriage. Pillars of marriages arranged by KHI, to perform a marriage there must be a husband, wife nominee, guardian of marriage, two witnesses, and consent and Kabul. In carrying out the final offer and Kabul, the prospective husband would give a dowry to the bride. Mahar is the right of the wife completely. Decision contested divorce Number: 1032 / Pdt.G / 2009 / PA.Wno judges decided to punish the Plaintiff to restore the entire dowry given to her husband. The purpose of this thesis, namely; First, find out about the refund rules dowry by the wife after divorce by KHI. Second, know the basic consideration of the judges against the return of the dowry by the wife after divorce in the decision on case No. 1032 / Pdt.G / 2009 / PA.Wno.From the research problem there are two main things that can be inferred. First, the rules on the return of the dowry by the wife after divorce by KHI which is contained in Article 35 paragraph (1), the husband that his wife mentalak qobla al dukhul obliged to pay half the dowry has been specified in the marriage contract. There is also Article 149 letter c KHI ie paying off the outstanding dowry in full, and half if qobla al dukhul. Second, the legal basis for the consideration of Judges in deciding the return of dowry entirely in Wonosari Religious Court Number: 1023 / Pdt.G / 2009 / PA.Wno) legally are as follows: Article 76 (1) of Law Number 7 of 1986 concerning Religious Court those relating to Article 22 paragraph (2) of Government Regulation No. 9 of 1975 on the implementation of Law No. 1 of 1974 on Marriage, Article 134 KHI, Article 19 letter f Government Regulation No. 9 of 1975 on the implementation of Law No. 1 of 1974 about Marriage, Article 1 of Law No. 1 of 1974 on Marriage, Article 39 paragraph (2) Marriage Act, Section 119 subsection (2) KHI, KHI Article 149 letter c. Suggestions Author, First, the government must immediately update the rules regarding marriage in Indonesia, particularly regarding dowry. Existing regulations are not in accordance with the times which continues to progress. Second, Judge of law enforcement in Indonesia should be able to provide the fairest verdict against existing case. That the parties understand and not feel aggrieved over the judge's decision.Keywords: Marriage - Divorce - Returns Mahar
PERLINDUNGAN HUKUM TERHADAP KONSUMEN DALAM KONTRAK BAKU PERJANJIAN PEMBIAYAAN KONSUMEN DI PT. WOM FINANCE PEKANBARU DITINJAU DARI UNDANG-UNDANG NOMOR 8 TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN Septian Bestari S; Maryati Bachtiar; Ulfia Hasanah
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 2, No 1 (2015): Wisuda Februari 2015
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Abstract

The agreement basically an agreement between two parties to obtain a desired result. As in reaching the agreement there are various phases of their stage of negotiations until the deal . This makes the parties are free to enter into an agreement with anyone in accordance with the principle of freedom of contract is in the law of contract . In the agreement, there are also clauses that constitute the content of the agreement clauses which were the result of agreements between the parties . The consumer finance company PT . WOM Finance Pekanbaru , agreements are called standard contract (standard contract). This agreement contains clauses that have been made by PT . WOM Finance or so-called raw klasula . It is certainly aggravating the other party , namely the consumer , because the consumer does not participate in the making the formulation , so that the need for consumer protection . Consumer protection is regulated in Law No. 8 of 1999 on Consumer Protection .In this study , the authors establish the following principal issue , as to whether the standard clause in the agreement in accordance with the arrangements inclusion of standard clauses in the Consumer Protection Act ? What is the legal effect of the inclusion of standard clauses in consumer financing agreement ? and how remedies that can be taken by the Customer to the agreement.Writing is when viewed from the type of research that is classified as a sociological research that studies looking at the correlation between the law with the public , so as to reveal the effectiveness of the rule of law in society , whereas if seen from the nature of this research is descriptive research that explains in clear sentences form and detailed.From the results of research conducted , the consumer finance agreements are standard clauses which are not in accordance with the arrangement of the inclusion of standard clauses set out in Article 18 paragraph ( 1 ) letter of Undang-Undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen. It is also contrary to the terms of the agreement because the validity of halal , which is contrary to the principles of morality , public order principles , and other legislation . So also with the layout and writing the standard clause is too small that it is difficult to be seen clearly by the consumer , and is also contrary to Article 18 paragraph ( 2 ) of Undang-Undang Perlindungan Konsumen . With the clauses in consumer financing agreement as opposed to setting the inclusion of standard clauses , and the location and form of writing that is contrary to the Undang-Undang Perlindungan Konsumen , we can conclude the agreement null and void . Therefore, if there is a dispute between the consumer and the company , consumers can take legal actions are filed to the Consumer Dispute Settlement Board ( Non-Litigation ) and also to the District Court ( Litigation ) .Keywords : Consumer Protection - Agreements - Standard Clauses
PELAKSANAAN PENETAPAN MAHAR PERKAWINAN DI DESA BATURIJAL HILIR KECAMATAN PERANAP KABUPATEN INDRAGIRI HULU Dito Prananda; Hayatul Ismi; Ulfia Hasanah
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 6, No 2 (2019): Juli - Desember 2019
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Abstract

Mahar is a mandatory gift given and declared by prospective husbands to prospective wives in thesighat marriage contract which is a sign of their agreement and willingness to live as husband and wife.While the dowry law of the scholars agreed that the dowry is one of the legal requirements of marriage andmay not enter into an agreement to leave it. In terms of the level of dowry there are no provisions in theQur'an and the Sunnah, but the Prophet advocates for his people to facilitate dowry. The problems of thisstudy are how the marital determination procession in the village of Baturijal Hilir Peranap Subdistrict, andwhat causes the existence of levels in the determination of marriages in the village of Baturijal Hilir. Thisstudy aims to determine the process of determining the dowry in marriage in the village of Baturijal Hilir, tofind out the implications (impacts) on the people of Baturijal Hulu village and to find out a review of Islamiclaw on the establishment of dowry in marriage in the village. This research is in the form of field research,which takes place in the village of Baturijal Hulu.The methods in this study are observation, interviews, and questionnaires. The subjects of this studywere people who had done marriages and community leaders in the village of Baturijal Hulu, PeranapDistrict, Indragiri Hulu Regency. The object of this research is the determination of dowry in marriage andits implications for society. The population in this study were all communities in the village of Baturijal HuluPeranap Subdistrict Indragiri Hulu Regency who had canceled 12 marriages and who had married as manyas 20 people with a sample of 6 people canceling their marriages and 10 marriages who married. withPurposive Sampling techniques.Once collected, the authors analyze the data through qualitative analysis, while the methods used aredeductive, inductive and analytical descriptive methods. The people of Baturijal Hulu Village, PeranapSubdistrict, Indragiri Hulu Regency, in setting dowry are based on their education level and economic level,the higher the education level of the woman the greater the dowry that is asked in her marriage later.Likewise with middle and upper economic families, they also ask for a high dowry. Whereas theeconomically disadvantaged people only ask for a modest dowry that is like a set of prayer tools, with thedetermination of the dowry problem many people are burdened and find it difficult because of the highdowry, so many cannot fulfill these requirements. The determination of the dowry has a negative andpositive impact on the community, because of the large amount of dowry determined. The establishment ofdowry in the village of Baturijal Hulu is contrary to Islamic law, because according to good dowry Islam isa light and not burdensome one, even an iron ring or memorization or teaching the Qur'an is a better dowry.In the determination of dowry must pay attention to the capabilities of the male side.Keywords: Mahar, Marriage, Baturijal Hilir.
TINJAUAN YURIDIS TERHADAP PUTUSAN PENGADILAN AGAMA PEKANBARU TERHADAP PERCERAIAN TANPA IKRAR TALAK (Studi Putusan Nomor : 0600/Pdt.G/2015/PA.Pbr) Nurlia '; Maryati Bachtiar; Ulfia Hasanah
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 5, No 1 (2018): Wisuda April 2018
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Abstract

Article 1 of Law Number 1 Year 1974 Concerning Marriage affirms,marriage is the inner birth bond between a man and a woman as husband andwife, with the aim of forming a happy and eternal family (household) based on thedivinity of the One Supreme. However, maintaining a household is not easy. Thebreakup of marriage for three reasons, namely divorce, death and court decisions.Literally, talak means freelance and freedom. Divorce divided again that is,divorce raj'i or divorce 1, may refer before the iddah ends. Divorce ba'in small ordivorce 2 which in the sense can still be re-referenced, and divorce ba; in sughratalak 3 can not return before ex-wife married to another man and divorced.The consideration of the judges of the Religious Courts of Pekanbaru inhandling divorce cases without the pledge of divorce which the authors obtainedfrom the copy of number 0600 / Pdt.G / 2015 / PA.Pr., Is the verdict of the trial ofthe pledge of divorce between the applicant, Efendi bin Zahar Labai with theRespondent Neli Ernawati bint Syahril. Whereas in the rule of Islamic law if therequirements of divorce are fulfilled then divorce has been considered fallen. Inthis case Efendi bin Zahar Labai and Neli Ernawati bint Syahril have been legallydivorced according to Islam but there is still a legitimate marriage bond betweenthem. According to a positive judicial review, the judges consider no divorcebetween the applicant and the requested party, as the appellant of therepresentative / his proxy does not come to the pledge of divorce even afterexceeding the 6 (six) month period. According to the authors this does not givecertainty to the petitioners for their status, their divorce is not legitimate in theeyes of law because divorce is considered lawful if it has been decided by thecompetent court and also executed in accordance with the applicable law, butaccording to Islamic Shari'a still has fall of divorce to wife.Keywords: Divorce_ Pledge of Talak
PELAKSANAAN PEMBAGIAN HARTA WARISAN MENURUT ADAT DI KENAGARIAN AIR TIRIS KABUPATEN KAMPAR Rahmat Rian Putra; Firdaus '; Ulfia Hasanah
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 5, No 1 (2018): Wisuda April 2018
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Customary law is the original law of the Indonesian nation that comes from unwritten laws of law which grow and develop and is maintained with the consciousness of society because these rules are not written and grow and develop, the customary law has the ability to adjust and elastic. The legal system of inheritance of Islam is the legal system of inheritance which the execution and settlement of the estate when the heir dies. Upon entering the era of reform and post the second amendment of the 1945 Constitution of the State of the Republic of Indonesia hereinafter referred to as the 1945 Constitution of the Republic of Indonesia, the provisions governing customary law are regulated in Article 18B paragraph (2), Inheritance distribution of Kenagarian Water Water of Kampar Regency has many influences of the West Kalimantan Minangkabau customary law especially in terms of division of inheritance, from high inheritance and low inheritance which descends into maternal lineage (Matrilinial). Kenagarian Air Tiris stated that this custom which we believe is very fair especially in the distribution of inheritance that goes down to the women in the family. The distribution of indigenous peoples Kenagarian Air Tiris gives a sense of justice on the part of men is that the justice has been shaped into a customary law special adat law of matrilineal inheritance adhered to the indigenous people of Kenagarian Water Tiris. If they used to be the men of Kenagarian Air Tiris to feel unfair then they would make those changes in the inheritance law that leads to the female lineage.Keywords: Custom, Customary Law, Inheritance Law, Justice
HAK PENGUASAAN ATAS TANAH OLEH PEMILIK TANAH BERDASARKAN SURAT KETERANGAN RIWAYAT PEMILIK TANAH DI DESA TITI AKAR KECAMATAN RUPAT UTARA KABUPATEN BENGKALIS Irfan Hamdani; Firdaus Firdaus; Ulfia Hasanah
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 6, No 2 (2019): Juli - Desember 2019
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Abstract

Land Tenure Rights are rights protected by law and generally give authority to the right holder to physically control the land he owns. Land Certificate or SKT is a certificate made by the Head of the Village/Lurah based on the minutes of the land inspection and statements of community leaders, then corroborated by the Camat which contains information about the proof of land rights that have not been registered, in connection with the land will be transferred or will be the application for rights is filed.The problem discussed in this study is, Why do landowners who have a Land Ownership Certificate in Titi Akar Village, Rupat Utara District, Bengkalis Regency cannot control their land. How the efforts of landowners who have a Land Ownership Certificate in Titi Akar Village, Rupat Utara District, Bengkalis Regency can control their land.This type of research can be classified as sociological, because in this study the authors directly conducted research at the location under study in order to provide a complete picture of the problem under study. This research was conducted in Titi Akar Village, North Rupat District, Bengkalis Regency.From the results of the study it can be concluded two things. First, why landowners who have a Land Ownership Certificate or SKT cannot control their land are factors such as land legal knowledge, the lack of understanding of the SKT owners regarding the legal strength of a Land Certificate or SKT as proof of land ownership and there is no socialization about registration and land certification. Furthermore, rights are not processed and guarded and controlled by other parties. Second, the efforts of the owners of the Land Ownership Certificate or SKT in Titi Akar Village to control their land are the Efforts of the SKT Owner through the Titi Akar Village Head and Efforts through the Court or Litigation.Keywords: Tenure - Land - SKT
PERLINDUNGAN HUKUM BAGI KONSUMEN TERHADAP PRODUK MAKANAN YANG TIDAK MEMILIKI SERTIFIKASI HALAL DI KOTA PEKANBARU Fendra Rizaldy Pratama; Zulfikar Jayakusuma; Ulfia Hasanah
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 7, No 1 (2020): Januari - Juni 2020
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Abstract

So far, both food products in the form of raw and ready-to-eat ingredients and drinks with a varietyof flavors and colors have been circulating widely on the market. The number of circulating productsrequires strong control from the government and related parties to ensure that food products on the marketmeet the proper standards and labeled halal for consumption. Therefore, consumers have the right to getinformation about the product content, ingredients made and halal products. will be consumed.This type of research can be classified in the type of sociological (empirical) legal research, becausein this study the authors directly conduct research at the location or place of study in order to provide acomplete and clear picture of the problem under study. This research was conducted research in PekanbaruCity. The reason the author chose the research location in Pekanbaru is because there are still manybusiness actors who have not included a halal label on the goods being traded. While the population andsample are the Chairperson of the Indonesian Ulema Council (MUI) of Riau Province, PekanbaruBreadtalk Employees and Pekanbaru Breadtalk Consumers. Data sources used are primary data andsecondary data. Data collection techniques in this study were interviews, questionnaires, and literaturereview.The conclusions that can be obtained from the results of the study are: First, the factors underlyingthe producers who do not carry out halal certification of their products in the city of Pekanbaru consist ofignorance and lack of understanding of business actors regarding the existence of Law Number 33 of 2014concerning Halal Product Guarantee, Actors Businesses Not Knowing the Procedures for Registering HalalCertification, Businesses that are Goed by Business Actors are still on a Small Business scale, Businessactors assume that the raw materials used in products are Halal, business actors or producers are dishonestand commit fraud or fraud to consumers and the level of public knowledge about halal label food productsis still low. Second, legal protection for consumers of products that do not have halal certification in the cityof Pekanbaru is not yet maximally implemented. This is indicated by the fact that there are still manyproducts that do not yet have certification and have not been labeled as halal. In addition, the emergence offake halal labels that do not meet the criteria for halal or not.Keywords: Legal Protection, Consumer, Food Products, Halal Certification, Pekanbaru
PELAKSANAAN ITSBAT NIKAH DI PENGADILAN AGAMA RENGAT KABUPATEN INDRAGIRI HULU Novrida Fauziyah Nasution; Rika Lestari; Ulfia Hasanah
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 2, No 2 (2015): Wisuda Oktober 2015
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Marriage according to the Marriage Act aims to establish a happy family and eternal divinity by the Almighty. Marriage Law Article 2 Clause 1 and 2 state that marriage valid if done according to the law of each religion and belief and every marriage is recorded in accordance with the laws and undangan.Itsbat Nikah stated explicitly in the Compilation of Islamic Law, published in Article 1 Section 2, which states that in the case of a marriage that can not be proved by a marriage certificate can be submitted Ithbat illegitimate Religious Courts.The purpose of this study to determine the Implementation Ithbat Marriage Religious Court Rengat Indragiri Hulu and to identify constraints in check Ithbat Marriage Religious Court Rengat Indragiri Hulu.This research method or empirical sociological research, legal research field that studies of legal identification. The research location in the Religious Court Rengat Indragiri Hulu because many Ithbat marriage petition is filed, investigated using population and sample.Results of research and discussion shows that the implementation of Marriage in the Religious Ithbat Rengat Indragiri Hulu has not run as it should be because in 2014 many application for approval of marriage for the sake of the maintenance of the child's birth certificate, the administration of the pilgrimage and therefore do not have a marriage certificate. But not all requests can be granted by a religious court, it is associated constraints experienced by the religious court in determining the legitimacy of a marriage, while these obstacles because the witness who had died, the husband and wife earlier would not be present at the hearing and the applicant Ithbat Marriage can not prove the legitimate guardians of religion Islam.Permohonan Ithbat marriage that can be submitted to the Court of religion is the existence of marriage in the context of a divorce settlement, the loss of a marriage certificate, any doubts about the legitimacy of one of the conditions of marriage, the marriage that occurred prior to the enactment of Law No. 1 In 1974, a marriage that is done by those who do not have a marriage impediment under the Act, the Marriage under dlakukan hands after the enactment of Law No. 1 of 1974 on Marriage.
PENYELESAIAN WANPRESTASI OLEH AHLI WARIS DALAM PERJANJIAN KREDIT PADA USAHA EKONOMI DESA SIMPAN PINJAM AS SALAM DI DESA TANJUNG PUNAK KECAMATAN RUPAT UTARA KABUPATEN BENGKALIS Agus Kusni Mubarok; Maryati Bachtiar; Ulfia Hasanah
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 8, No 1 (2021): Januari - Juni 2021
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In Article 1100 of the Civil Code it is affirmed, "the heirs who have been willing to receive an inheritance, must take part in the payment of debts, will and other burdens, in proportion to what each of them receives from the inheritance. Related to the obligations of the heirs to pay debts. the inheritor, based on Article 1101 of the Civil Code stipulates that the obligation to pay is borne individually, each according to the amount of his inheritance, without reducing the rights of the creditor to all inheritance, as long as the inheritance has not been divided, and without reducing the rights of the creditors. . Article 833 paragraph (1) of the Civil Code stipulates that an heir automatically, due to the law, obtains property rights over all property, rights and all debts from the heir. Therefore the researcher took the title Settlement of Default Against Inheritance in a Credit Agreement on the Economic Business of the As Salam Savings and Loan Village in Tanjung Punak Village, Rupat Utara District, Bengkalis Regency.The purpose of this study is to determine the settlement of default disputes against the heirs in a credit agreement with fiduciary guarantees for village economic enterprises in Tanjung Punak village, Rupat Utara sub-district, Bengkalis district and to find out what efforts can be made by village economic enterprises if the heirs are unable to pay their debts. Because in this study the author directly conducted research at the location or place under study in order to provide a complete and clear picture of the problem under study. This research was conducted in the village of Tanjung Punak, Rupat Utara District, Bengkalis Regency. While the population and samples are the head of the village of Tanjung Punak, the head of UED-SP As-Salam and the heirs. The type of research in this thesis is sociological law research.The conclusions obtained from the research results are First The position of the heir in the case that the author examines as the successor of the debt that is inherited to him so that he has a position as a debtor in this case,Second Efforts that can be made by village economic enterprises if the heirs are unable to pay their debts is to seek relief in installment payments, the given the opportunity to pay installments in an amount smaller than what it should be, the provision of partial debt repayment opportunities, the heirs can pay a portion of the total debt and Underhand collateral sales are made so that the heirs are still given the opportunity to offer / sell their own collateral to do so. full payment of debt payments.Keywords: Default, Heirs, Credit Agreement, Usaha Ekonomi Desa-Simpan Pinjam
Co-Authors ', Firdaus ', Jefrizal ', Jeprialis ', Nurlia ', Rahmita ', Rosmaneli ', Suhardi , Deviona, , , Rosmaneli A. M, Wita Trisnawati Aan Royfan Aci Lovita Sari Ade Burju Roberkat Simanjuntak Adelina, Cindi Afrial Syarli Afriani Nazara Aftahul Jefran Agrian Hilmar Alfattah Agus Kusni Mubarok Ahsanu Ilham Akbar, Fajar Alamsyah Akbar, Jaliludin Muhammad Akmal, Saidul AKMI AZRIANTI Al Arif Amaliah, Nadhira Amelia, Sri Ayu Anak Agung Istri Sri Wiadnyani Ananda Eka Putri Anandadhea Putricharina Andini Innayah Putri Anggita Yekholia Berti Annisa Dwi Chandra Annisha Maharani Apmayuda, Andrian Apriliani, Nuri Ardya Englando Baker Arief Rivansyah Arrahman Arsista Aryo Mitra Hans M ASIKA EUNIKE SORMIN Asrul Ariadi Atikah, Muhana Ayana, Sandy Bakti Azet Purnama Basarah, Budiman Bistamam ' Boris Brison Brison, Boris Budiman Basarah Budiman Basarah Bunga Khairatunisa Bunga Primatania Candra, Reynold Maytri Chandra, Bobby Charisa Yasmine Christin, Jesicha Maria Citra Rahmawati Lubis Cresensia Yohana Saragih Cristina, Mawar Dara Aiko Damantha Darnia, Meriza Elpha Darryandra Arshaff Delfi Aris Wanto Delima, Wan Elfya DENNY PRANATA AJIE Desi Muzdalifah Desi Nurliana Dessy Artina Devi Satria Devi Wulan Tari Dewo, Punto DINI BERLIANA ANNISA Dini novriansyah Dito Prananda Dwi Liana Rahmayuni Edy Putra Tambunan, Edy Putra Eko Yulinggar Permana Elfikri, Moh. Zaky Elpiya ' Emilda Firdaus Emilia Hidayani Endah Melina Erda Rahmayanti Sitinjak Erdiansyah Erdiansyah Erdianto Effendi Eri Surya Wibowo, Eri Surya ERIZA, NOVI Evandre Arif Nanda Evi Deliana HZ Ewa Kukuh juwanda Fadli Rahman, Fadli Fajri Bushairi Fajri, M. Nur Fani Yolandri Fani, Said Farhan Muhammad Aziz FATTIAH NAMIROH Fauzi Akbar Parinduri Febbyana, Febbyana Feblil Huda Febrianti. Z, Cindy Feby Savira Rangkuti, Feby Savira Fendra Rizaldy Pratama Firdaus ' Firdaus Firdaus Firdaus Firdaus Firdaus Firdaus Firdaus Firdaus Firdaus, Annisa Fitcanisa, Jenny Divia Frizka Lystari Limbong Fuad Buchari Galuh Dwi Nugroho Gita Putri Candra Githa Fitria Lisa Ulfa Greis Greis Gresiana Suyati Gurning Hafiiz Adri Junyes Handika Iqbal Pratama HANDIKO PRASETIO SITUMORANG Haniva Rahmadani Harpami, Yaumal Akmal Hartini, Theresia Devi Has, Randi Awara Hayatul Ismi Hayatul Izmi Helmi Helmi Helvicha Ressy Hengki Firmanda Hikmah, Hidayatul Humairah, Shania Husna, Irdatul Husnul Khotimah Hutabarat, Ribka Delila Icha Rezky Ihda Hasbiyati Ika Sulistya Ningrum Ilham Rijab Ilham Saputra Indah Okvalita Indra Lesmana Indrasari, Rahmayani Intan Almadina Irfan Hamdani Irma Nora Irma Nurul Hasyanah IRWAN PARDEDE Irwani, Nike Irza Legista Ismina, Tria Ivan Ryian Ewaldo Jamhari Jamhari Jannah, Roudhatul Jeckon Franki Hutabarat Jeni Desfa Junita JOHANES PASRA JAIMAN Jordi Satria Nanda Jumadianto ' Jumpa Malum Simarmata, Jumpa Malum Kamal, Alisa Karnofa, Sa’dianti Nabila KARTIKA WILY Kurniawan, M. Hapis Latifah Alkhairiyah Lestari Anggraeni Lestari, Rafida Lidya Destyani Lili Tampi Mayangsari Limbong, Frizka Lystari Lofi, R. Mustar Luh Putu Ratna Sundari M Prima M. Janrigo Hidayat M. Wahyu Nugraha Maharani Maharani Maimunah, Maimunah Manurung, Yulika Donna Mardalena Hanifah Maret Priyanta Maria Maya Lestari Maryati Bachtiar Mashut Mashut Maulana Ihsan Habibi Maulini, Dhinda Rielna Mayangsari, Lili Tampi Mentari Gemilang Mercy Yuliana Sitompul Merigo, Tri Ipo Mexsasai Indra Mia Safitri Mifta, Sarah Mizanty, Novradiella Moch. H. Cahyana Maulana Mudinillah, Adam Muhammad Farhan Aswan Muhammad Farqi Muhammad Irfan Maulana Muhammad Ranni Muhammad Shofi Mukhlis R. Mulia Sixtriani Mutiara Rizkia Mutmainnah, Mahyanatul Nadia Hayatun Nufus Nadia Sanjaya Nana Satun Nazirah Naomi Christin Natasya Basanida Sirait Nia Kurniati Nina Haryati Ningrum Susilawati Nofrizal Nofrizal Nofrizal Nofrizal Novita Hardianti NOVRIDA FAUZIYAH NASUTION nudirwan, wawan Nuraliyah, Putri Nurazilla Nurkamilah ' Nurlia ' Nurul Auliya Nurul Azkiah Okarisandi, Febri Weldi Oktaviani Aswar Opia Rendra Osha Putri Parawansa P, Mega Lestaria Prasiswi Ningsih Puspasari, Fitri Putri Annisa PUTRI ANNISAH Putri Aulia Ramadani Putri Rahmadani Putri Ramadani R Sadiah Maharani Rachman, M. Yogi Radius Lase Rafida Lestari Rahayu Silvia Annisa Rahmad Hendra Rahmad Hendra Rahmad Hendra Rahman, Danang Sugandi Rahmat Rian Putra Rahmat Septiadi Rahmawan Mulya Sanah Rahmayani Indrasari Randy Prasetya Raudatul Adawiyah Nasution Ravienda Purnama Rayhanil Jannah Redha Rahayu Ria Okta Meliana S Ricki Musliadi Ridha Wahyuni Ridhayani, Meilyn Ridho Alamsyah Rika Dianti Rika Lestari Rinu Nabilla Riska Septiari Rismadefi - Woferst Rita Teresia, Rita Rivanka Gradian Baldi Rizka Aprilia Rizki Safitra Sulistio Rozi Oktri Novika Rudianto Hutagalung Rusdah Cia, Rusdah Sabrena Sukma Sabrena Sukma Samariadi, Samariadi sari, Ayu Frizcha Sebastian, Yuda Selly Prima Desweni Selvia Rahma Dona Septian Bestari S Setia Putra Setia Putra, Setia Shanti Fitriani Shinta Permata Sari Siburian, Churcil Sidabutar, Menanti Simbolon, Tuppal Parasian Sinaga, Butet Tiara Siti Halimah Tusadiah Siti Hapsah, Siti Sovia Oktarima Sri Divia Bella Suarsanti, Devi Sukma Apyanda Sulik Rahayu Sunggu, Elisa P Op Susilawati Susilawati Susilawati, Ningrum Sy. Khairol Olfa Syafiqa Tiara Ayunda Syafira Nurhaliza Syafrida Syafrida, Syafrida Syahrial Halomoan Syasha Mellya Karnain Syauqi Sepriza Tafwan, Jihan Tampubolon, Kristin Taupiqqurrahman Taupiqqurrahman Teguh Risyan Putra Tengku Arief Tiara Rahma Syafitr Tomi Yoshua Pardede Tri Rahmi Khairunnisa, Tri Rahmi Tubagus, Rizwan Utami, Lisa Putri VERRA SELY AUDIAWATY Vertina, Annisa Sophia Vito Oktariandi MK Vivianne I R Nadeak Wahyuni Malina Harahap Wan Elfya Delima Wan Nishfa Dewi Wanty Agustina Wildaniati Wildaniati Wilis, Erna Winda Pertiwi Windy Purwanti, Windy Wita Ananda Chikita Wook, Izawati Yeni Kusumawaty Yenni Kusumawati Yohanna Petresia Yopita Arihta Yuli Maharani Yulia Pratiwi Yulisa Rika Sari Zikri Andrian Zikrilla Mayuli Hoppi Zsa Zsa Quamila Pasyura Zui Zui Anita Safari Zulfikar Jaya Kusuma Zulfikar Jayakusuma Zuliantika, Ananda Zulkifli Zulkifli