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Anak Agung Sagung Ngurah Indradewi
Fakultas Hukum, Universitas Dwijendra
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Jurnal Komunikasi Hukum

 1 
TANGGUNG JAWAB YURIDIS ANALIS KREDIT TERHADAP PENENTUAN REKOMENDASI PENCAIRAN KREDIT NASABAH PADA PT. BANK TABUNGAN NEGARA KANTOR CABANG DENPASAR Ngurah Indradewi, Anak Agung Sagung
Jurnal Komunikasi Hukum (JKH) Vol 6, No 2 (2020): Agustus, Jurnal Komunikasi Hukum
Publisher : Jurusan Ilmu Hukum Fakultas Hukum dan Ilmu Sosial Universitas Pendidikan Ganesha Singaraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jkh.v6i2.28093

Abstract

Berkembangnya jasa perbankan yang ditawarkan oleh Bank, minat masyarakat terhadap kredit semakin berkembang. Sejalan dengan hal  tersebut, resiko dengan adanya kredit semakin bertambah. Sebagai contoh resiko  adalah adanya kredit fiktif, kredit macet dan kredit bermasalah. Pihak yang  bertanggung jawab atas adanya masalah kredit tersebut salah satunya adalah  analis kredit. Jenis Penelitian yang digunakan  adalah jenis  penelitian hukum   Empiris yaitu suatu metode penelitian hukum dalam artian nyata dengan  meneliti bagaimana bekerjanya hukum di lingkungan masyarakat.Rumusan masalah, dari penelitian ini adalah Bagaimanakah mekanisme analis kredit dalam memberikan rekomendasi pencairan kredit nasabah dan Bagaimanakah tanggung jawab Yuridis  analis kredit dalam penentuan pencairan kredit pada PT. Bank Tabungan Negara Cabang Denpasar. Tujuan  penelitian ini yaitu untuk memahami  mekanisme analis kredit dalam memberikan rekomendasi pencairan kredit nasabah dan mengetahui tentang Tanggungjawab hukum analisis kredit dalam penentuan pencairan kredit pada PT.Bank Tabungan Negara cabang Denpasar. Simpulan dari penelitian ini adalah keputusan untuk merekomendasikan pencairan permohonan suatu kredit harus melalui ketentuan dan syarat-syarat tertentu. Mekanisme pemberian suatu rekomendasi pemberian kredit merupakan suatu pertahanan bank untuk mencegah terjadinya kredit bermasalah, mekanisme dapat dilihat dari : RPC ( Repayment Capacity) yaitu metode sebagai penilaian atas kemampuan calon Debitur dalam membayar kembali pinjaman pada saat harus dilunasi dan untuk mengetahui besar plafon  kredit yang seharusnya diberikan pada nasabah dan juga menerapkan BI Checking  untuk memberikan  pencairan kredit. Dan jugaberdasarkan dari analisis 5C atau analisis watak, kemampuan, modal, kondisi atau prospek usaha dan jaminan. Seorang analis kredit harus sangat cermat dan teliti dalam melakukan analisis. 
Efektifitas Penerapan Sanksi Administrasi Terhadap Warga Negara Asing Yang Melakukan Pelanggaran Visa Di Bali Ngurah Indradewi, Anak Agung Sagung; Istri Vera Arifiani, Anak Agung
Jurnal Komunikasi Hukum Vol 7, No 2 (2021): Agustus, Jurnal Komunikasi Hukum
Publisher : Jurusan Ilmu Hukum Fakultas Hukum dan Ilmu Sosial Universitas Pendidikan Ganesha Singaraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jkh.v7i2.38837

Abstract

The problem of international migration at this time has become a problem for every country, be it country of origin, country of destination or country of transit. Several government policies related to granting visas to foreign nationals are expected to encourage the number of foreign arrivals to Indonesia. However, the existence of these policies has resulted in an increase in the number of immigration violations in Indonesia. The main problems in research on Immigration administrative sanctions against foreigners in Indonesia in terms of Law Number 6 of 2011 concerning Immigration are: How effective is the implementation of administrative sanctions against visa violators by foreign nationals and How are the efforts of immigration officers in preventing visa violations by foreign nationals? foreign nationals in Bali. The research method that the author uses is an empirical type with the aim of the studybeing to see the effectiveness of administrative sanctions against foreign nationals who violate visas in Bali. The theories used are Legal Certainty Theory, Legal Effectiveness Theory, Law Enforcement Theory, Authority Theory, Justice Theory and Benefit Theory. The results of the study indicate that application administrative sanctions for violations of visas inthe  Bali Region have not been effective, it can be seen from the data obtained in the field during the last five years there are still many foreign nationals who have been caught in violation casesand during the last five years the number of cases violations in Bali continue to increase. This shows that administrative sanctions do not provide a deterrent effect for perpetrators and other foreigners. Therefore, the immigration authorities should be firm in bringing cases of violations and misuse of visas to court. Immigration officers' efforts to prevent visa violations in Bali are in the form of preventive and repressive measures, the Immigration Office in Bali coordinates withrelevant agencies or agencies, receives reports and follows up on any reports, takes action against foreign nationals who violate. Obstacles faced by the Immigration Office in preventing the abuse of visa-free visits for foreigners in Bali are internal factors including limited human resources, limited operational budget for immigration control, low expertise of immigration officers in supervising foreigners, and external factors, namely the role of the community that has not been supportive immigration officers in providing correct information regarding the presence and activities of foreign nationals.
TANGGUNG JAWAB YURIDIS ANALIS KREDIT TERHADAP PENENTUAN REKOMENDASI PENCAIRAN KREDIT NASABAH PADA PT. BANK TABUNGAN NEGARA KANTOR CABANG DENPASAR Ngurah Indradewi, Anak Agung Sagung
Jurnal Komunikasi Hukum Vol 6 No 2 (2020): Agustus, Jurnal Komunikasi Hukum
Publisher : Program Studi Ilmu Hukum Fakultas Hukum dan Ilmu Sosial Universitas Pendidikan Ganesha Singaraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jkh.v6i2.28093

Abstract

Berkembangnya jasa perbankan yang ditawarkan oleh Bank, minat masyarakat terhadap kredit semakin berkembang. Sejalan dengan hal  tersebut, resiko dengan adanya kredit semakin bertambah. Sebagai contoh resiko  adalah adanya kredit fiktif, kredit macet dan kredit bermasalah. Pihak yang  bertanggung jawab atas adanya masalah kredit tersebut salah satunya adalah  analis kredit. Jenis Penelitian yang digunakan  adalah jenis  penelitian hukum   Empiris yaitu suatu metode penelitian hukum dalam artian nyata dengan  meneliti bagaimana bekerjanya hukum di lingkungan masyarakat.Rumusan masalah, dari penelitian ini adalah Bagaimanakah mekanisme analis kredit dalam memberikan rekomendasi pencairan kredit nasabah dan Bagaimanakah tanggung jawab Yuridis  analis kredit dalam penentuan pencairan kredit pada PT. Bank Tabungan Negara Cabang Denpasar. Tujuan  penelitian ini yaitu untuk memahami  mekanisme analis kredit dalam memberikan rekomendasi pencairan kredit nasabah dan mengetahui tentang Tanggungjawab hukum analisis kredit dalam penentuan pencairan kredit pada PT.Bank Tabungan Negara cabang Denpasar. Simpulan dari penelitian ini adalah keputusan untuk merekomendasikan pencairan permohonan suatu kredit harus melalui ketentuan dan syarat-syarat tertentu. Mekanisme pemberian suatu rekomendasi pemberian kredit merupakan suatu pertahanan bank untuk mencegah terjadinya kredit bermasalah, mekanisme dapat dilihat dari : RPC ( Repayment Capacity) yaitu metode sebagai penilaian atas kemampuan calon Debitur dalam membayar kembali pinjaman pada saat harus dilunasi dan untuk mengetahui besar plafon  kredit yang seharusnya diberikan pada nasabah dan juga menerapkan BI Checking  untuk memberikan  pencairan kredit. Dan jugaberdasarkan dari analisis 5C atau analisis watak, kemampuan, modal, kondisi atau prospek usaha dan jaminan. Seorang analis kredit harus sangat cermat dan teliti dalam melakukan analisis. 
Efektifitas Penerapan Sanksi Administrasi Terhadap Warga Negara Asing Yang Melakukan Pelanggaran Visa Di Bali Ngurah Indradewi, Anak Agung Sagung; Istri Vera Arifiani, Anak Agung
Jurnal Komunikasi Hukum Vol 7 No 2 (2021): Agustus, Jurnal Komunikasi Hukum
Publisher : Program Studi Ilmu Hukum Fakultas Hukum dan Ilmu Sosial Universitas Pendidikan Ganesha Singaraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jkh.v7i2.38837

Abstract

The problem of international migration at this time has become a problem for every country, be it country of origin, country of destination or country of transit. Several government policies related to granting visas to foreign nationals are expected to encourage the number of foreign arrivals to Indonesia. However, the existence of these policies has resulted in an increase in the number of immigration violations in Indonesia. The main problems in research on Immigration administrative sanctions against foreigners in Indonesia in terms of Law Number 6 of 2011 concerning Immigration are: How effective is the implementation of administrative sanctions against visa violators by foreign nationals and How are the efforts of immigration officers in preventing visa violations by foreign nationals? foreign nationals in Bali. The research method that the author uses is an empirical type with the aim of the studybeing to see the effectiveness of administrative sanctions against foreign nationals who violate visas in Bali. The theories used are Legal Certainty Theory, Legal Effectiveness Theory, Law Enforcement Theory, Authority Theory, Justice Theory and Benefit Theory. The results of the study indicate that application administrative sanctions for violations of visas inthe  Bali Region have not been effective, it can be seen from the data obtained in the field during the last five years there are still many foreign nationals who have been caught in violation casesand during the last five years the number of cases violations in Bali continue to increase. This shows that administrative sanctions do not provide a deterrent effect for perpetrators and other foreigners. Therefore, the immigration authorities should be firm in bringing cases of violations and misuse of visas to court. Immigration officers' efforts to prevent visa violations in Bali are in the form of preventive and repressive measures, the Immigration Office in Bali coordinates withrelevant agencies or agencies, receives reports and follows up on any reports, takes action against foreign nationals who violate. Obstacles faced by the Immigration Office in preventing the abuse of visa-free visits for foreigners in Bali are internal factors including limited human resources, limited operational budget for immigration control, low expertise of immigration officers in supervising foreigners, and external factors, namely the role of the community that has not been supportive immigration officers in providing correct information regarding the presence and activities of foreign nationals.
Co-Authors Anak Agung Istri Ari Atu Dewi Anak Agung Kompiang Gede Arjawa, I Gst Pt Bagus Suka Ary Kusuma Wardhani, Sang Ayu Made Brahmanda, I Komang Gomes, Alarico I Gusti Agung Mas Rwa Jayantiari, I Gusti Agung I Gusti Ngurah Dharma Laksana I Nyoman Prabu Buana Rumiartha, I Nyoman Prabu Buana I Wayan Partama Putra Ida Bagus Bayu Brahmantya Istri Vera Arifiani, Anak Agung Made Tamar Martayasa Ni Luh Ade Krisnatalingsih Ni Putu Sri Windayati Pramesti, I Putu Eka Yoga Putra, I Wayan Partama Trisna Dewi, Ni Made