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PENYELESAIAN KREDIT MACET TERHADAP PERJANJIAN KREDIT PEMILIKAN RUMAH (KPR) DI PT. BANKTABUNGAN NEGARA CABANG PEKANBARU PADA MASA COVID-19 Shelby Susandari; Mardalena Hanifah; Setia Putra
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 10, No 2 (2023): Juli - Desember 2023
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Home ownership loan (KPR) is one of the most popular banking products by thepublic. As one way to own a house, mortgages provide many advantages forcustomers, such as ease in paying installments and the ability to own a housequickly. However, on the other hand, mortgages also have a fairly high risk of noanperforming loan. Mortgage noan performing loan is a problem that is often facedby banking companies in Indonesia. This is caused by various factors, one of themain factors is during the Covid-19 pandemic which causes various things such asunilateral layoffs, business failures, and not carrying out credit procedures to thefullest due to lack of human resources. PT. Bank Tabungan Negara PekanbaruBranch is one of the banks that also experienced the problem of mortgage badloans. The purpose of this study was to determine the factors that cause noanperforming loan mortgages in PT.Bank Tabungan Negara Pekanbaru Branch andhow effective settlement of mortgage bad loans.This type of research is sociological, where data obtained through interviews withthe PI. Bank Tabungan Negara Pekanbaru Branch and customers who experiencenoan performing loan at Griya Sakti housing. The housing is domiciled by KPRBank BTN customers since 2014. The researchers took a sample of 8 customers tofind out the factors that cause and how the settlement of noan performing loanexperienced by these customers during the Covid-19 pandemic.The results showed that the factors causing noan performing loan mortgages inPT.Bank Tabungan Negara Pekanbaru branch, among others, are external factorson the part of customers, namely business failures, debtors or debtor spouses whoexperience layoffs, which has increased dramatically during Covid-19. in addition,internal factors from the State Savings Bank, in the form of not maximizingsupervision procedures during the Covid-19 pandemic, which caused Griya Saktihousing mortgage customers to potentially experience noan performing loan. Thesettlement made by the Bank always prioritizes credit rescue first, where the bankwill provide relief to customers to restructure with several previous considerations.The rescue must also be at an early stage and not yet at the time the customer'sstatus is declared noan performing loan, later the customer who restructures willhave a current credit status after carrying out several requirements set by the bank.
PEMBATALAN PERJANJIAN KERJASAMA ANTARA WEDDING ORGANIZER DAN PENGGUNA JASA PADA MASA PANDEMI COVID-19 (STUDI PADA MELAKA WEDDING DI PEKANBARU) Oryza Nurul Herliza; Firdaus Firdaus; Setia Putra
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 10, No 2 (2023): Juli - Desember 2023
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Pandemic covid-19 that hit Indonesia afect business in economy, that pandemic causingdelays in fulfillment of perfrmance. And the things that be a major problem in this finalassignment is the dispute between Melaka Wedding Organizer and the service user that happenbecause circumstance that cause by pandemic covid-19, this makes Melaka Wedding Organizercan’t do their perfrmance because obstructed by PSBB that issued by the gvernment to preventspread pandemic covid-19. The purpose of writing this final assignment is to know the causativefactor of concellation of cooperation agreement, to know how the concellation of cooperationagreement between Melaka Wedding Organizer and the service user during a pandemic covid-19.The type of study in this writing is sociological legal research, study about law thatobserve what is the characteristics of cmmunity behavior in a regon of social life. The datacollected by interview as the data source and infrmation, interview were conducted in person inthe Melaka Wedding Organizer.From the studr there are 2 major thing, first the causative factor of concellation ofcooperation agreement between Melaka Wedding Organizer and the service user during apandemic covid-19 such as pandemic, termination of employment, execution time already notright. Second, settlement form of concellation of cooperation agreement between MelakaWedding Organizer and the service user during a pandemic covid-19. The concellation ofagreement is done using good intention in accordance with chapter 1338 paragraph 3Indonesian Civil Code by deliberation the way agreement between Melaka Wedding and theservice user in chapter 5 then clarified in description section of concellation of agreementMelaka Wedding letter.Keyword: Concellation of Agreement, Wedding Organizer, Pandemic Covid-19
TINJAUAN HUKUM TERHADAP PERBUATAN MENGHALANGI OJEK ONLINE YANG DILAKUKAN OLEH BECAK MOTOR DI PEKANBARU Asri Indri Rahmadani; Firdaus Firdaus; Setia Putra
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 10, No 2 (2023): Juli - Desember 2023
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Unfair business competition is competition between business actors in carrying outproduction and or marketing activites of goods or services that are carried out in a dishonestor unlawful manner or impede business competition. Unfair business competition occursbetween online motorcycle taxis and motorized trishaws in the Tuah Karya sub-district.Where there is a ban between online motorcycle taxis and rickshaws which are prohibitedfrom taking passengers along the Suka karya road. Prohibit online motorcycle taxis frompicking up passengers if they are caught by motorized tricycles,online motorcycle taxis areobliged to drop off customers from the online motorbike taxis. The purposeof writing thisthesis:first to find out how the act of blocking online motorcycle taxis by motorized trishawsin Pekanbaru occurred. Second,what are the regulatory efforts that can be made so that theact of blocking motorcycle taxis from online motorcycle taxis does not occur in Pekanbaru.The approach to writing this research was carried out sociologically. Sociological,which means reviewing the state of the problems that exist in the field associated with thelegas aspects that apply and regulate these problems. This research was conducted in theTuah Madani sub-district, the Tuah Karya sub-district, namely at the crossroads of SukarKarya,Panam Pekanbaru. Sources of data used are primary data, secondary data andtertiary data with data colletion techniques by means of interviews,questionnaires andliterature review.From the results of research conducted it can be concluded. First, the motorizedrickshaws prevented online motorcycle taxis from picking up passengers in the Tuah Karyavillage because of several factors and the opinion of motorized rickshaws had decreased,many motorized rickshaws had become extinct due to online motorcycle taxis, so that's whymotorized rickshaws took action to block the online motorcycle taxis. Second, regarding fairbusiness competition, motorized rickshaws should be given more good guidance not to makepolicies unilaterally and to make special regulations regarding rights and obligations thatshould be.Keywords :Unfair Business Competition - Online Motorcycle taxis - Obstructive actions
PENYELESAIAN SENGKETA PERTANAHAN PT. ARARA ABADI YANG DI KLAIM OLEH MASYARAKAT PENDATANG DESA SUNGAI GONDANG KECAMATAN MINAS PROVINSI RIAU Andrea Sakavino; Maryati Bachtiar; Setia Putra
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 10, No 2 (2023): Juli - Desember 2023
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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The purpose of this study is, First, to find out the factors that cause land disputes atPT. Arara Abadi which was claimed by migrant communities from Sungai GondangVillage, Minas District, Riau Province. Second, to find out the obstacles in resolving landdisputes by PT. Arara Abadi which was claimed by migrant communities from SungaiGondang Village, Minas District, Riau Province.This research uses the type of sociological legal research. The sample in this researchis Public Relations of PT. Arara Abadi, Head of DLHK Riau Province, Head of district ofWest Minas, community leaders and the community itself. The analytical tool in this studyis a qualitative method. This study found that there were things that were less than optimalin reality on the ground, so it was necessary to anticipate them with maximum effort.The results of this study, the factors causing land disputes in PT. Arara Abadi, whichwas claimed by migrant communities in Sungai Gondang Village, Minas District, RiauProvince, consisted of several factors. First, because of a certificate issued by anunscrupulous village. Second, there is an acknowledgment that the area has long beenhanded down from generation to generation. Besides that, the constraints in resolving landdisputes by PT. Arara Abadi which is claimed by the people of Sungai Gondang Village,Minas District, Riau Province consists of several points. First, due to the unclear legalityof community land ownership. Second, the reported condition of the land does not matchwhat is claimed with the reality on the ground. Third, there are differences in demandsfrom society. To prevent similar incidents from happening, the important role of PublicRelations is to routinely conduct outreach to the local Village apparatus and thecommunity about the boundaries of the company's territory and the dangers of carryingout illegal activities in forest areas. In order for this problem to be resolved, it is better forthe company's public relations to be more intense in approaching the community andrelated parties so that it is important to preserve forests and respect the provisions thathave been given by the government to companies to manage these forests. Apart from that,other forms of corporate social responsibility can also be carried out with the aim ofcreating welfare for the community and minimizing the loopholes for reclaim by a groupof irresponsible people.Keywords: Land Disputes - Company - Communit
DAMPAK PENERBITAN SK.903/MENLHK/SETJEN/PLA.2/12/2016 TENTANG KAWASAN HUTAN PROVINSI RIAU TERHADAP KEPEMILIKAN TANAH PADA MASYARAKAT DI KECAMATAN LUBUK BATU JAYA KABUPATEN INDRAGIRI HULU Annisa Fitria Habibah; Maryati Bachtiar; Setia Putra
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 10, No 2 (2023): Juli - Desember 2023
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Ownership rights to land are regulated in Article 20 of the Basic Agrarian Law, whichstipulates that land ownership is an hereditary, strongest, and fullest right that individuals canhave over land, with a social function. The issuance of Minister of Environment and ForestryDecree Number 903/MENLHLK/SETJEN/PLA.2/12/2016 regarding the Forest Area in Riau Province changes the status of theregion to a forest area. One of the areas affected by this change is the Lubuk Batu Jaya Sub-district in the Indragiri Hulu Regency, where the residents have settled prior to the reform in1997 and received goverment assistance, such as land for residence and cultivation, especiallyfor transmigrants. As of now, there is still no clarity regarding the status of land ownership forthe community whose land falls within the forest area based on the ministerial decree. Theobjective of this research is to understand and analyze the impacts resulting from the issuance ofMinister of Environment and Forestry Decree Number 903/MENLHK/ SETJEN/PLA.2/12/2016on land ownership in the Lubuk Batu Jaya Sub-District. Additionally, the research aims toidentify efforts to resolve land ownership issues for the community after the implementation ofthe aforementioned decree.The research methodology employed in this study is sociological. The study is conductedin The Lubuk Batu Sub-district, Indragiri Hulu Regency, Riau. The population and samplesinclude Section 2 of the land office in the Indragiri Hulu Regency, the sub-district head of LubukBatu Jaya, the community of Lubuk Batu Jaya Sub-district (Pondok Gelugur Village, RimpianVillage, and Lubuk Batu Tinggal Village), and the founders of the Non-GovermantalOrganization Forest Rescue Network Riau (JIKALAHARI). The Data sources include primary,secondary, and tertiary data, with data collection techniques involving interviews and literaturereviews.The impacts related to land ownership for the residents of Lubuk Batu Jaya Sub-districtwithin the Riau Province Forest Area after the issuance of Minister of Environment and ForestryDecree Number 903 include the inability of of residents to obtain funds for Smallholder Oil PalmRejuvenation (PSR), inability to apply for loans with Land Certificate (SHM) collateral, andinability to engage in land transcaction. This is due to the lack of clarity regarding the legalityof land ownership certificates held by the community, preventing them from performing legalaction that require SHM legality.Keywords: Land Ownership, Forest Area, Legal Certainty
PELAKSANAAN PERLINDUNGAN HUKUM TERHADAP AHLI WARIS DALAM PENYELESAIAN KLAIM PADA PERUSAHAAN ASURANSI JIWA PT. SUN LIFE FINANCIAL INDONESIA DI PEKANBARU Nicolas Hutabarat; Rika Lestari; Setia Putra
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 11, No 1 (2024): Januari - Juni 2024
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Implementation of submitting life insurance claims by heirs to PT. Sun Life FinancialIndonesia in Pekanbaru often happens when the insured submits a claim to the insurancecompany and it is not always accepted because there are things that cause the application tobe rejected, namely related to the results of investigations that are less transparent inproviding reasons and grounds for rejection, therefore the aim of the research Firstly, to findout the implementation of legal protection for heirs regarding heir rights at the life insurancecompany PT Sun Life Financial Indonesia in Pekanbaru. Second, to find out the legal effortsof heirs regarding heir rights at the life insurance company PT Sun Life Financial Indonesiain Pekanbaru.The research method in this thesis uses a type of sociological legal research, namelyresearch on the effectiveness of law in society. The nature of this thesis research isdescriptive research that systematically describes the facts and characteristics of the objectbeing studied accurately. The data collection technique in this research is the interviewmethod and literature review, then after the data is collected it is then analyzed to drawconclusions.Based on research conducted, legal protection for heirs regarding heir rights at the lifeinsurance company PT Sun Life Financial Indonesia in Pekanbaru is not in accordanceviolates Article 31 verses 3 and 4 law Number 40 of 2014 concerning Insurance because inprinciple the company should provide protection and comfort to customers and be open inproviding information regarding rejection of life insurance claims. The legal action taken bythe heirs regarding their rights to the life insurance company PT Sun Life FinancialIndonesia in Pekanbaru is difficult to take because the rejection of the life insurance claim isfinal and from the inaccurate results of the investigation the company is freed from itsobligation to provide compensation and does not accept criticism from heirs because theresults of the investigation cannot be contested. Meanwhile, if you take the non-litigationroute or mediation outside the court, it still cannot be done because PT. Sun Life FinancialIndonesia in Pekanbaru has not registered its company with the membership of an officialindependent institution under the OJK (Financial Services Authority), in this case thecompany certainly violates Article 54 of the 2014 Insurance Law which requires insurancecompanies to become independent and impartial institutions.
Co-Authors Agnes Bella Bonika Ahmad Fajar Siddiq Ananda Fernando Putra Andrea Sakavino Anggun Pratiwi Annisa Fitria Habibah Asri Indri Rahmadani Febiola Utami Putri Firdaus Firdaus Firmansyah Firmansyah Hayatul Ismi Jessica Olivia Lucy Ayuditya Indah Utama Mardalena Hanifah Maryati Bachtiar Nadia Fadhilah Zendrato Nadia Fadiah Zendrato Nexie Nurafifah Nicolas Hutabarat Novriawanda Novriawanda Oryza Nurul Herliza Rika Lestari Risti Febiawati Samariadi, Samariadi Shelby Susandari Siti Alfiatul Mukaromah Sugi Kurnia Pakpahan Ulfia Hasanah Wan Rahmatullah Ramadhan Wilton Amos Panggabean