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All Journal Widya Yuridika Indonesian Journal of Law and Islamic Law (IJLIL)
Nanang Tri Budiman
Fakultas Hukum Universitas Islam Jember
Arts Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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Penerapan Kebijakan Tentang Prinsip Kehati-Hatian Dalam Pemberian Kredit Perbankan Nanang Tri Budiman; Supianto Supianto
Widya Yuridika Vol 3, No 2 (2020): Widya Yuridika: Jurnal Hukum
Publisher : Universitas Widya Gama Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/wy.v3i2.1703

Abstract

A bank is an effort to collect funds from the public in the form of savings and distribute them back to the community in the form of credit or other forms in order to improve people's lives. In distributing credit to the public, each bank is required to implement the precautionary principle in channeling loans. This study aims to determine the application of the precautionary principle applied in the process of providing bank credit. This study uses a normative juridical research method with a statute approach and a conceptual approach. Based on the results of the study, it was found that the application of the precautionary principle was carried out in the form of obligation to formulate and implement bank credit policies for commercial banks, maximum credit limits, assessment of asset quality, debtor information systems, the principle of knowing customers and the existence of guarantees in providing credit.
TRANSPARANSI DALAM PELAKSANAAN BANTUAN LANGSUNG TUNAI (BLT) DANA DESA Tioma Roniuli Hariandja; Nanang Tri Budiman
Indonesian Journal of Law and Islamic Law Vol. 2 No. 2 (2020)
Publisher : Jember: Sharia Faculty State Islamic Institute of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijl.v1i3.86

Abstract

Since May 2020, BLT DD has been implemented in Jember Regency, including Bangsalsari Village. However, in fact it’s couldn’t avoid a pros and cons, especially to recipients. So, it’s mean Bangsalsari must be respons and give right information public. Every regulation must referent to hierarchy of legislation, same as the BLT DD rules. However, we know law have the legal principles "lex specialis derogat legi generalis", Then regulation of Jember regency Number 8 of 2016 about Public Information Openness must be a reference to do programs of Jember regency. There are three elements that must be fulfilled in the implementation of BLT DD in Bangsalsari Village, in order to realize information transparency, namely publication, participation and reporting. Bangsalsari Village has fulfilled these three elements in the implementation of BLT DD.
Co-Authors Supianto Supianto Tioma Roniuli Hariandja