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Document Validation by a Notary as a Fiduciary-Based Credit Risk Mitigation Setiawaty, Dewi; Mashdurohatun, Anis
Jurnal Konstatering Vol 5, No 1 (2026): January 2026
Publisher : Master of Notarial Law, Faculty of Law, Sultan Agung Islamic University

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Abstract

This study aims to analyze in depth the role of Notaries in validating documents in the credit granting process with fiduciary guarantees as a form of legal and credit risk mitigation at Bank Perekonomian Rakyat Lingga Sejahtera Pangkalan Bun. The background of the study is based on the frequent problems found in credit practices, including incomplete debtor identities, inconsistencies in collateral data, failure to transfer ownership, and weak understanding of the debtors regarding the legal consequences of fiduciary agreements. These conditions have the potential to cause disputes at the execution stage and weaken the bank's preferred position as a creditor. The research method used is an empirical juridical approach with analytical descriptive specifications. Primary data were obtained through in-depth interviews with Notary partners, credit analysts, and the BPR legal department, while secondary data were obtained from laws and regulations, notarial law literature, and relevant scientific journals. Data analysis was conducted qualitatively with triangulation techniques to ensure the validity of the findings. The results show that Notaries have a central role as a preventative guard in credit risk management. These roles include verifying the identity of legal subjects, examining the legality and validity of collateral objects, preparing credit agreements and fiduciary guarantee deeds that meet formal and material requirements, and implementing fiduciary registration through the Ministry of Law and Human Rights' electronic system. Strict validation has been proven to prevent duplicate objects, reduce the potential for non-performing loans, and strengthen the bank's executorial position following the Constitutional Court's ruling on fiduciary execution mechanisms. The study also found several obstacles, namely low legal literacy of MSME debtors, differences in physical and administrative vehicle data, disruptions to the electronic registration system, and differences in interpretation of execution clauses between banks and Notaries. To overcome these obstacles, integrated validation operational standards, intensive coordination between banks and Notaries, integration of ownership databases, and increased legal education for debtors are needed. The study concluded that the quality of Notary validation is directly proportional to the effectiveness of fiduciary-based credit risk mitigation.
Implementation of Marriage Agreements in Resolving Property Conflicts with Husband and Wife Daud Nento, Fadel; Mashdurohatun, Anis
Jurnal Konstatering Vol 5, No 1 (2026): January 2026
Publisher : Master of Notarial Law, Faculty of Law, Sultan Agung Islamic University

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Abstract

This study aims to analyze the implementation of marriage agreements in resolving joint property disputes between husband and wife at the Gorontalo Religious Court and identify obstacles and their solutions. The research method used is empirical legal research with a qualitative approach, through literature studies, observations, in-depth interviews with judges and clerks, and document analysis of 37 decisions in joint property cases in 2020–2024. The results of the study indicate that the implementation of marriage agreements is realized in the form of a peace deed through mediation, such as in Case Number 689/Pdt.G/2022/PA.Gtlo. However, its implementation is still low because the majority of cases are resolved through litigation with a 50:50 division based on Article 97 of the Compilation of Islamic Law, although there are two decisions that deviate from the proportional division (2/3 and 1/3) based on the wife's contribution. The main obstacles include: (1) legal structure, namely the less than optimal role of mediators and the dominance of the litigation process; (2) legal substance, namely general and unclear norms regarding marriage agreements; (3) legal culture, namely the taboo perception in Gorontalo society regarding marriage contracts. The solutions offered are optimizing mediation, prioritizing non-litigation resolution, improving legal norms, strengthening marriage contract norms, and socializing through local cultural channels such as the Tolobalango traditional procession. This study concludes that marriage contracts have the potential to be an effective preventive and resolutive instrument if supported by institutional strengthening, certainty of norms, and a paradigm shift in legal culture.
Legal Certainty For An Object That Is A Fiduciary Guarantee Which Has Not Been Removed After The Debt Is Removed Utami, Fitri Pujianti; Darmadi, Nanang Sri; Mashdurohatun, Anis
TABELLIUS: Journal of Law Vol 4, No 1 (2026): March 2026
Publisher : Master of Notarial Law, Faculty of Law, Sultan Agung Islamic University

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Abstract

            The relationship between creditors and debtors in the business world requires legal certainty, which is realized through collateral instruments, one of which is fiduciary collateral. Although Law No. 42 of 1999 concerning Fiduciary Collateral and Government Regulation No. 21 of 2015 stipulate the obligation to write off debts after debt repayment, practice shows that many collateral items are not written off, so the object remains listed as collateral. TypeThis research is normative juridical, using a conceptual juridical approach. The data used include primary, secondary, and non-legal data by collecting data through literature and analyzing it using prescriptive analysis to describe and evaluate the implementation of fiduciary roya. The procedure for the removal (roya) of fiduciary collateral is carried out by the creditor after the debtor has fully paid their obligations by submitting an application to the Fiduciary Registration Office, which then issues a Roya Certificate. However, because the removal is not automatic, differences often arise between the material and administrative removal of fiduciary collateral. This situation creates legal uncertainty, where the debtor cannot reuse the collateral, new creditors lose certainty, and potentially give rise to disputes. The roya mechanism in the Fiduciary Collateral Law needs to be strengthened with clear derivative regulations regarding time limits and sanctions for creditors who fail to comply, to prevent re-fiduciary collateral and provide legal certainty. System improvements can also be achieved through digitization and data integration between institutions, mandatory verification by notaries, and strengthening fiduciary certificates as executorial titles to more effectively protect creditors and debtors.
Reconstruction of Inmate Rehabilitation Regulations Based on Principles of Legal Justice Fri Hartono; Desy Kartika Caronina Sitepu; Anis Mashdurohatun; Debiantho; Mohamed Abdel Samad Mehanna
Nusantara: Journal of Law Studies Vol. 4 No. 2 (2025): Nusantara: Journal of Law Studies
Publisher : PT. Islamic Research Publiser

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18357689

Abstract

This study examines the reconstruction of inmate rehabilitation regulations grounded in principles of legal justice to address normative inconsistencies and practical disparities in the implementation of correctional policies. The research aims to critically analyse the extent to which existing rehabilitation regulations reflect substantive, procedural, and distributive justice, and to formulate a justice-oriented regulatory framework for inmate rehabilitation. Employing a qualitative juridical-normative approach, this study analyses statutory instruments governing correctional institutions, judicial doctrines on justice, and relevant scholarly literature, complemented by conceptual and comparative legal analysis. The findings reveal that current inmate rehabilitation regulations tend to prioritise administrative compliance and institutional order, while inadequately accommodating principles of proportionality, equality before the law, and restorative justice. Such regulatory orientation often results in unequal access to rehabilitation programs and undermines the correctional system's reintegrative objectives. This study proposes a reconstructed regulatory model grounded in legal justice principles, emphasising rights-based rehabilitation, restorative mechanisms, and fair assessment criteria for inmates. The study contributes to the development of correctional law by offering a normative framework that integrates legal justice into rehabilitation regulations, thereby supporting a more humane, equitable, and effective correctional system aligned with contemporary justice paradigms.
Bridging Formal Legality and Living Law Public Prosecutorial Policies to Achieve Justice Mashdurohatun, Anis; Wazna, Mahmoud W M Abu; Abdasmad, Mahmoud Elsayed Atyea; Joman Rabah Mahfouth Alkhatib
Contrarius Vol. 2 No. 2 (2026): Contrarius
Publisher : Lembaga Contrarius Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53955/contrarius.v2i2.272

Abstract

Recognition of living law: Article 2 of Law Number 1 of 2023 concerning the Criminal Code marks a paradigm shift in Indonesian criminal law from the principle of formal legality to material legality. However, this change has not been accompanied by an update to criminal procedural law. In fact, Criminal Procedure Code (KUHAP) remains oriented towards legal positivism and does not provide a procedural mechanism to integrate existing social norms into criminal justice practices. This situation creates tension between legal pluralism, legal certainty, and demands for substantive justice in the criminal justice system. This study aims to analyse: (1) the position of the Criminal Procedure Code in accommodating living law in the criminal justice process; (2) the role of the Prosecutor's Office as dominus litis in integrating living law through prosecution policy; and (3) the reconstruction model of prosecution policy in the perspective of ius constituendum in order to realize the integration between formal legality and material legality. The study uses a normative legal research method with a statutory, conceptual, and comparative approach, and is analysed using the theory of justice, the Pancasila theory of justice, and Gustav Radbruch’s theory of legal values. The results of the study indicate that: (1) the Criminal Procedure Code functions as a procedural law based on formal legality so that it has not been able to operationalize the recognition of living law procedurally; (2) the Prosecutor's Office has in fact accommodated living law through prosecutorial discretion and restorative justice, but does not yet have systemic procedural legitimacy; and (3) reconstruction of prosecution policy is needed through a facilitation model by prosecutors, judicial verification, court decisions, and state execution in order to balance legal certainty, substantive justice, and social benefits in the Indonesian criminal justice system.
IDENTIFIKASI FAIR USE/FAIR DEALING HAK CIPTA ATAS BUKU DALAM PENGEMBANGAN IPTEK PADA PENDIDIKAN TINGGI DI JAWA TENGAH Mashdurohatun, Anis; Mansyur, M. Ali
Yustisia Vol 4, No 3: December 2015
Publisher : Faculty of Law, Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/yustisia.v4i3.8682

Abstract

AbstractThe purpose of this research is identified the implementation of fair use/ fair dealingof book’s copyright of science and technology book on High Education in Central Java. This research conducted by sociological and juridical approach. The sampling technique with purposive nonrandom sampling. The data collection is used with literature study and field (observation, questionaires, and interview) for the author and users book. Analizing data is used with qualitative desctription analizing. The result shows that identification of implementation fair use/fair dealing of book’s copyright for development science and technology in High Education in Central Java has some problem with perception of users’s book society at Salatiga, Semarang District and the Semarang City, that cause of offence of book’s copyright, and low reward of moral rights and economic rights of creators/holders, also reading habit of people are low and purchasing power of people for books are very low, so because of it development of science and technology in High Education are needed fair use/fair dealing policy model of book’s copyrights of developing science and technology in High Education in Central Java with based balance rights value and utilization of books easy, which qualified in form of text books and e-Books in affordable price. AbstrakTujuan penelitian adalah untuk mengidentifikasi implementasifair use/ fair dealinghak cipta atas buku pengembangan IPTEK pada Pendidikan Tinggidi Jawa Tengah. Penelitian ini  dilakukan dengan menggunakan  pendekatan yuridis sosiologis. Teknik pengambilan sampel dengan menggunakan purposive nonrandom sampling. Adapun pengumpulan data dilakukan dengan studi kepustakaan dan lapangan (observasi, kuesioner dan wawancara) terhadap penulis dan pengguna buku. Analisis data dilakukan dengan menggunakan analisis deskriptif kualitatif. Hasil penelitian menunjukkan bahwa identifikasi implementasi fair use/fair dealing hak cipta atas buku dalam pengembangan IPTEK pada pendidikan tinggi di Jawa Tengah terkendala dengan beragamnya persepsi masyarakat pengguna buku di Salatiga, Kabupaten Semarang dan Kota Semarang, sehingga memicu terjadinya pelanggaran hak cipta atas buku, dan rendahnya penghargaan hak moral dan hak ekonomi pencipta/pemegang hak cipta, selain itu juga reading habit masyarakat yang rendah dan daya beli masyarakat terhadap buku masih sangat rendah, oleh karena itu dalam pengembangan IPTEK pada Pendidikan Tinggi diperlukannya kebijakan model fair use/fair dealing hak cipta atas buku dalam pengembangan IPTEK pada pendidikan tinggi di Jawa Tengah dengan berasaskan keseimbangan hak dan pemanfaatan buku yang menjamin aksebilitas buku mudah, yang berkualitas dalam bentuk buku teks dan e-Books dengan harga yang terjangkau.
PROBLEMATIKA PERLINDUNGAN HAK CIPTA DI INDONESIA Mashdurohatun, Anis
Yustisia Vol 1, No 1: April 2012
Publisher : Faculty of Law, Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/yustisia.v1i1.10600

Abstract

AbstractDevelopment of copyrighted works as part of the intellectual property rights that stem from results of  human creation gave birth to a right of the creator of the so-called copyright. Copyright inherent in the creator differs from other intellectual property rights, because the inherent consists of two types of rights, moral rights and economic rights. The problems of copyright protection in Indonesia is caused by several things including: Islamic view of Copyrights, the public's view of the Copyright, Still Lack Popularizing Copyright Act, the Purchaser is not in the questioning, and legal awareness. 
Co-Authors Aaty El-Sonbaty, Atta Abdel Abda Abda Abdasmad, Mahmoud Elsayed Atyea Abdul-Majeed Hamdoun, Abdullah Abiem Pandya Prasojo Achmad Sulchan Agus Finaningrum, Kiki Agus Supriyadi Agustina Suryaningtyas AHMAD FAISOL ahmad habibi Ahmad Zaki Mubarok Ahmed Rabie Akbar S, Muhammad Aqlizar Al-Farjani, Saleh Hashem Alfarizi Lubis, Muhammad Fathur Alhaleem Maslat Harahsheh , Eid Abed Ananingati, Ananingati Andaryanti, Yuni Andhika Buana Prasadhana Andri Winjaya Laksana, Andri Winjaya Andrianto Budi Santoso Angga Nugraha Firmansyah Ar Rahiim Innash Arief Indra Kusuma Adhi Arif Zaenal Abidin Arpangi Arpangi, Arpangi Aryani, Fajar Dian Bagus Langgeng Prasetiyo Bahtiyar Efendi Bambang Tri Bawono Benseghir, Mourad Budi Setianingrum, Reni Cahaya Mutiara Mardiana Putri Cahyono, Ma’ruf Cristovão Pinto, Felix Dafitson Husthinob Daniel Yudi Christanto Daud Nento, Fadel DEBIANTHO Denny Kusuma Derick Yunanda Desi Wulan Anggraini Desy Kartika Caronina Sitepu Dodi Jaya Wardana Efendi, Bahtiyar Eko Soponyono Elsonbaty, Atta Eman Suparman Endah Wahyuningsih, Sri Endah, Sri Endang Kusnandar Endang Yuniarti Erawati, Wahyu Ririn Eristadora, Stephanie Erny Herawati Erwin Aditya Pratama Esti Royani, Esti Eyrsa Setya Kurnia Fatma Wati Fauzia, Ana Fifian Leliana Fonaha Hulu Fri Hartono Gholib Ivan Ali Gunarto Gunarto Gunarto Gunarto Gunarto H. Gunarto Hanung Hendratmoko Hari Purwadi, Hari Haris Budiman Hartiwiningsih Hartiwiningsih Hendro Widodo Henning Glaser Hidayat Abdulah Holyness Nurdin Singadimedja I Made Dwi Jayantara I Putu Angga Feriyana Indah Nailal Muna Indana Fawaizah Indriasari, Evy Irene Svinarky Irwan Irwan Istiniyati, Istiniyati Jawade Hafidz Joman Rabah Mahfouth Alkhatib Junaidi Junaidi K W, Jaka Kholifatul Aziz, Elfira Nur King On Putra Jaya Kismanto Kismanto Kristiawanto Kusuma, Andi Lathifah Hanim Latifah Hanim Latifah Latifah M. Ali Mansyur M. Ali Mansyur, M. Ali M. Hasyim Muallim Mahardika, Dinar Mahyuni Mahyuni Mariah S.M. Purba Masdoro, Masdoro Megacaesa Fuditia Fuditia Meta Suryani Moh. Abd Basith Mohamad Rofiqi Mohamed Abdel Samad Mehanna Mohamed, Muhammad Azimuddin Mohammad Irfan Rifai Muhammad Azam Muhammad Azam Muhammad Dias Saktiawan Muhammad Fahrudin Muhammad Hilmi Akhsin Mukti Fajar Nur Dewata, Mukti Fajar Muna, Nailatul Najati, Fia Agustina Nanang Sri Darmadi Ngadino Ngadino Ni Made Srinitri Nizar Anwar Nur Indah Setyoningrum Nuridin Nurkhasanah, Aisyatun Nurul Masrifah Pradikta Andi Alvat Pratama Hapsari, Ifahda Prihananto Prihananto Purwatik, Purwatik Putri Rahmawati Rabiie, Ahmed Rahmanto, Endy Satya Rekowarno Rekowarno Riska Fauziana Riskha Amaliya Lubis Rizal Anugrah Bachriar Rudi Iskandar Sahal Afhami Saktiawan , Muhammad Dias Salman, Mohammed Abdullah Sari, Pebrina Permata Setiawaty, Dewi Setiyawan, Deni Setyaningsih Setyaningsih Sidauruk, Hamonangan Parsaulian Simanjuntak, Alden Juniedy Sisno Pujinoto Siti Rodhiyah Dwi Istinah Somaerin Saputra Sri Endah Wahyuningsih Sri Endah Wahyuningsih Sugihartono, Bambang Suhanan, Aan Sukarmi Sukarmi Sulistyani, Ratu Vidi SUMIYATI SUMIYATI Supriyadi Supriyadi SUROTO Syafira, Nimasgari Dhaeyu Wildan Thomas Aquino A. S Tiyas Vika Widyastuti Toni Ariadi Efendi Tri Bawono, Bambang Tri Normalita Putri, Ajeng Tri Ulfi Handayani Utami, Fitri Pujianti Waruwu , Ingati Margaretha Wawan Setiyawan Wazna, Mahmoud W M Abu Widya Putri Idayatama Yeni Ratnasari Yurulina Gulo Yusfandi Usman YUZURU, SHIMADA Zamrudi, Ehwan Zulfikar Hanafi Bahri