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All Journal Jurnal Hukum Adigama Refleksi Hukum: Jurnal Ilmu Hukum
Haryati Widjaja
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Law, Crime, Criminology & Criminal Justice

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PENERAPAN PRINSIP KEHATI-HATIAN DALAM PENYALURAN KREDIT (Studi Kasus di Bank BRI Cabang Semarang) Willy Putra; Haryati Widjaja
Refleksi Hukum: Jurnal Ilmu Hukum Vol 3 No 1 (2018): Refleksi Hukum: Jurnal Ilmu Hukum
Publisher : Universitas Kristen Satya Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (365.398 KB) | DOI: 10.24246/jrh.2018.v3.i1.p81-96

Abstract

Penerapan prinsip kehati-hatian dalam pemberian kredit merupakan hal yang paling pentingkarena bank merupakan salah satu faktor penting dalam menggerakan roda perekonomianIndonesia. Bunga dalam pemberian kredit merupakan pendapatan yang paling besar, sehinggadengan meningkatnya pemberian kredit, maka roda perekonomian Indonesia akan terus melajuke arah yang lebih positif hingga terciptanya kesejahteraan masyarakat sebagaimana yangtercantum dalam alinea keempat Pembukaan UUD NRI 1945. Salah dalam memberikan kredit,maka akan berdampak pada kesejahteraan masyarakat. Oleh karena itu, bank harus selaluwaspada dan berhati-hati dalam pemberian kredit dengan menerapkan prinsip 4P dan 5C,namun pada prakteknya masih banyak bank yang belum menerapkan prinsip kehati-hatiansecara baik seperti yang terjadi pada Bank BRI di Semarang. Hal tersebut terjadi karena pihakbank tidak melakukan pengecekkan terhadap objek jaminan yang dijaminkan.
ANALISIS PERBUATAN MELAWAN HUKUM DALAM AKTA PERJANJIAN PENGIKATAN JUAL BELI (PPJB) TANAH ANTARA KOKO PURNOMO SANTOSO DENGAN PT. INTAN PLAZA ADIKA (Studi Kasus: Putusan Mahkamah Agung Nomor 17/K/Pdt/2016) Haryati Widjaja; Hanafi Tanawijaya
Jurnal Hukum Adigama Vol 1, No 1 (2018): Jurnal Hukum Adigama
Publisher : Fakultas Hukum Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (339.571 KB) | DOI: 10.24912/adigama.v1i1.2157

Abstract

Contract or agreement is an act pursuant to which one or more individuals commit themselves to one another. Based on the system that chapter III civil code used, chapter III civil code used opened system it means that every people can make an agreement with everybody and about anythings but the contract or agreement must be appropriate with terms of agreement and agreement principles. There are two kinds of agreement, first nominaat agreement, nominaat agreement is an agreement that already have a regulted in law. The second is innominaat agreement, innominaat agreement is an agreement that not regulated in law. condition sale and purchase agreement is innominaat agreement. Condition sale and purchase agreement was appeared because of freedom of contract. Eventhough condition sale and purchase agreement was made because freedom of contract but it must be appropriate with terms of agreement and agreement principles. If the agreement put aside the agreement principles and legal principles, the agreement can be null and void or can be canceled. In Koko Purnomo Santoso’s case, he already been punished for 4 years because, Koko sold lands that belongs to someone else and gave the wrong information in authentic deed. But, Intan Plaza Adika still want to continue the agreement because Intan Plaza Adika is a purchaser with good faith. The district court and high court agree with Intan Plaza Adika. But the supreme court said the opposite with district and high court, the supreme court said the agreement is null and void.
Co-Authors Hanafi Tanawijaya Willy Putra