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Tanggung Jawab Pihak Asuransi Terhadap Perjanjian Kredit Bank Dalam Hal Debitur Meninggal Dunia Ni Putu Purnama Wati; Ni Luh Made Mahendrawati; Desak Gde Dwi Arini
Jurnal Konstruksi Hukum Vol. 2 No. 1 (2021): Jurnal Konstruksi Hukum
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jkh.2.1.2996.196-201

Abstract

Credit agreements are usually accompanied by a collateral agreement and an insurance agreement. This insurance agreement is a means of transferring risk for the bank, especially life insurance in the event of a debtor's death, besides credit can also fall to the heirs if the debtor dies before paying off the remaining credit. This study aims to analyze the legal consequences of the Bank's Credit Agreement in the event that the Debtor dies and to find out the responsibility of the Insurance Party for the Bank's Credit Agreement in the event the Debtor dies. This study uses a normative research method with a statutory approach and a conceptual approach. The results show that the legal consequence of the credit agreement in the event that the debtor dies, there are two possibilities, namely that the credit goes to the heirs as regulated in article 833 of the Civil Code (Burgerlijk Wetboek) or the guarantee is executed by the bank, and the second possibility is that the credit is written off due to a life insurance clause or a life insurance agreement with a banker's clause, which means that the insurance company must be responsible for paying off the remaining debts of the debtor who died according to the terms and conditions of the policy, otherwise the interested party can file a summons to sue the insurance company. From this, the conclusion is that the parties must fully understand the contents of the credit agreement made, so that later if this risk occurs, there will be clarity on the payment of the debtor's remaining debt.
Perlindungan Hukum terhadap Konsumen dalam Peredaran Barang yang Diproduksi Tidak Sesuai dengan Label I Nyoman Gallan Tri Prasuta Purwanta; Ni Luh Made Mahendrawati; Ni Made Puspasutari Ujianti
Jurnal Konstruksi Hukum Vol. 2 No. 2 (2021): Jurnal Konstruksi Hukum
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jkh.2.2.3260.384-389

Abstract

In this era, the growth of the goods and services industry has had a positive impact. One of the positive impacts is providing sufficient quantity and higher quality demand, as well as there are a lot of alternative choices for consumers to meet their needs. On the other hand, there are also negative impacts, namely the use of technology and the impact of business behavior due to increased competition which has an impact on the consumer community. This study aims to determine whether business actors are responsible for consumer losses related to goods that are not produced in accordance with the label, and to find out what legal sanctions have been imposed on business actors for violations due to inappropriate labels and manufactured goods. This type of research is normative legal research. The results show that the responsibility of commercial actors is related to the mismatch between the label and the goods produced, namely compensation for damage, pollution, and consumption of goods or services. Then, legal sanctions can be imposed for violations of business actors, including imprisonment for a maximum of 5 (five) years or a maximum fine of Rp. 2 billion. Thus, it can be concluded that business actors can be held accountable for the incompatibility of labels with goods that have been produced, and if the violation is too detrimental to consumers, they can be prosecuted in accordance with applicable laws and regulations.
Kedudukan Hukum Pemegang Polis Pada Perusahaan Asuransi yang Dinyatakan Pailit Ni Kadek Vikka Ayu Swandewi; Ni Luh Made Mahendrawati; I Putu Gede Seputra
Jurnal Konstruksi Hukum Vol. 2 No. 3 (2021): Jurnal Konstruksi Hukum
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jkh.2.3.3635.520-525

Abstract

In this era of globalization, insurance has been considered as a basic need which is a human need for security. Insurance is a form of risk management that is formed with the aim of avoiding the possibility of an uncertain risk of loss. This study aims to examine the legal position of policyholders as creditors in insurance companies and to reveal the legal protection of policyholders in insurance companies that are declared bankrupt. This study uses a normative research method because there is still a conflict of norms, with the approach to legislation. The data is sourced from the opinions of legal scholars and data law. The data sources are primary and secondary data obtained through recording and documentation, then the data is processed using interpretation and descriptive. Based on the Bankruptcy Law and PKPU Article 1 number 2, creditors are parties who have receivables due to agreements or laws that can be collected in advance of services. In the context of the legal protection of the policyholder, the Insurance Act has regulated the existence of a policy guarantor institution in which the purpose of the establishment of a policy guarantee program is to guarantee the return of part or all of the rights of the policyholder. In the bankruptcy and liquidation of an Insurance Company, it is expected that the curator will pay attention to the right of the Policy Holder to obtain compensation from the bankruptcy assets of the Insurance Company.
Perlindungan Hukum terhadap Nasabah dalam Penundaan Kredit Terdampak Covid 19 Sang Nyoman Angga Diputra; Ni Luh Made Mahendrawati; Ni Made Puspasutari Ujianti
Jurnal Konstruksi Hukum Vol. 2 No. 3 (2021): Jurnal Konstruksi Hukum
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jkh.2.3.3652.547-552

Abstract

Humans as social beings who live side by side and have various needs that must be met in order to survive. In meeting these needs. Indonesia often makes payments with a credit system. Credit is a breakthrough that really helps the community. However, with the Covid-19 Pandemic) hitting various businesses and credit financing customers due to lack of income. This study aims to examine the legal arrangements for credit delays for customers affected by COVID-19 in Indonesia and explain legal protection for customers affected by COVID-19 in Indonesia. The type of research applied in this research is normative legal research, with a statutory approach and a concept approach. In general, the regulation of credit delays for customers affected by COVID-19 is regulated in POJ K Number II POJK.03 2020 regarding the national economic stimulus as a counter-helical policy for the impact of the 2019 coronavirus disease. There are two legal protections, namely preventive legal protection by issuing PERPU Number I of 2020 concerning state financial policies and stability for handling the coronavirus disease 19 pandemic, and repressive legal protection based on Bank Indonesia Circular Letter No. 26/4/BPPP which in principle regulates the rescue of non-performing loans through rescheduling, reconditioning, restructuring
Perlindungan Hukum Bagi Konsumen dalam Praktek Bisnis Pinjaman Online Ilegal Anak Agung Gede Candra Kusuma; Ni Luh Made Mahendrawati; Desak Gde Dwi Arini
Jurnal Konstruksi Hukum Vol. 3 No. 2 (2022): Jurnal Konstruksi Hukum
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jkh.3.2.4850.426-431

Abstract

Online loans that are developing in today's society will certainly be very helpful, the problem is when people are involved in illegal online loan transactions which often use unjustified methods of collecting. The purpose of this research is to analyze the regulation of online loan transactions in Indonesia and to discuss forms of legal protection for consumers in illegal online loan transactions. The research method used is a normative research type by examining library materials as primary data and secondary data from books and legal journals. The data collection technique of this research is to record and document. And the data analysis technique is by reviewing books, literature and electronic media related to this research. The results of this research indicate that currently legal protection for people involved in illegal online loan transactions is still lacking, because people find it difficult to distinguish between legal online loan financing institutions and which online loan financing institutions are illegal. In this case, an active role from the OJK is needed to oversee the growth of illegal online loans in the community as regulated in the Financial Services Authority Regulation No. 77 of 2016 concerning the implementation of online-based loan transactions, besides that the protection of people involved in online loan transactions is regulated in Law no. 8 of 2019 concerning consumer protection to prevent arbitrariness by online loans to the public.
Tindak Pidana di Bidang Perbankan dalam Transaksi Perdagangan Luar Negeri dengan Menggunakan Letter Of Credit I Wayan Dodi M. Putra; Ni Luh Made Mahendrawati; Ni Komang A. Styawati
Jurnal Konstruksi Hukum Vol. 3 No. 2 (2022): Jurnal Konstruksi Hukum
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jkh.3.2.4895.455-459

Abstract

Letter of Credit/LC is an interbank payment transaction instrument whose legal arrangements have been established both nationally and internationally. In this study, the writer wants to know how the regulation of criminal acts in the banking sector against foreign transactions through letters of credit, and the criminal sanctions that make the issuing bank a victim in foreign trade transactions using the letter of credit , uses this type of normative research. sources of primary, secondary, and tertiary rules. This thesis uses the type of search, recording and documentation Analysis of legal sources is carried out systematically using legal arguments and the results are presented descriptively. The conclusion is that the regulation of foreign trade crimes through Letter of Credit is regulated in UPC-DC600 and PP No. 1/1982 as well as Law No. 10/1998 on banking. Sanctions for violating foreign transactions through a Letter of Credit can be subject to criminal sanctions and fines in accordance with the provisions of Article 49 (1) of Law No. 10/1998.
Pelaksanaan Perjanjian Kerjasama Antara Ud.Citra Batu Bulan dengan Restoran Nebula Kuta dalam Bidang Supplier Buah dan Sayur Ni Kadek Erika Manggala; Ni Luh Made Mahendrawati; I Wayan Kartika Jaya Utama
Jurnal Konstruksi Hukum Vol. 4 No. 2 (2023): Jurnal Konstruksi Hukum
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jkh.4.2.6803.196-201

Abstract

Dalam dunia bisnis, suatu kerjasama tidak bisa lepas dari perjanjian yang dibuat.Di Dalam pelaksanaan perjanjian kerjasama antara UD.Citra dengan Restoran Nebula Kuta telah terjadi perselisihan mengenai ketidakseimbangan hak dan kewajiban antara para pihak. Tujuan penelitian ini adalah untuk mengetahui pelaksanaan perjanjian kerjasama antara UD. Citra dengan restoran nebula kuta dalam bidang supplier buah dan sayur dan bagaimana penyelesaian perselisihan apabila terjadi wanprestasi dalam pelaksanaan perjanjian kerjasama antara UD. Citra dengan restoran nebula kuta dalam bidang supplier buah dan sayur. Metode dalam penelitian ini adalah jenis penelitian hukum empiris. Pendekatan masalah yang digunakan adalah pendekatan fakta. Berdasarkan hasil penelitian UD. Citra dengan Restoran Nebula Kuta membuat perjanjian berupa kontrak harga dan pembayaran yang harus dilakukan oleh Restoran Nebula Kuta selama 2 (dua) bulan sekali. Terjadinya perselisihan dikarenakan Restoran Nebula Kuta tidak memenuhi prestasi dalam hal ini yaitu tidak melakukan kewajibannya dalam melakukan pembayaran terhadap pihak UD. Citra. Penyelesaian sengketa dilakukan dengan pembuatan surat perjanjian utang piutang.
Kedudukan Hukum Anak yang Dilahirkan Diluar Perkawinan Sah Menurut Undang-undang Nomor 1 Tahun 1974 Gusti Ayu Ade Diah Gamatri; Ni Luh Made Mahendrawati; I Made Arjaya
Jurnal Konstruksi Hukum Vol. 4 No. 3 (2023): Jurnal Konstruksi Hukum
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jkh.4.3.8041.281-286

Abstract

Pengaruh budaya luar negeri dalam pergaulan di Indonesia telah menimbulkan berbagai permasalahan, seperti hubungan di luar perkawinan, yang pada akhirnya menyebabkan lahirnya anak-anak yang tidak sah di mata hukum negara. Rumusan masalah yang dapat diajukan adalah: bagaimana kedudukan hukum anak yang lahir di luar perkawinan sah menurut Undang-Undang Nomor 1 Tahun 1974? Dan bagaimana upaya pemenuhan hak keperdataan anak yang dilahirkan di luar perkawinan? Penelitian ini dilakukan dengan menggunakan tipe penelitian normatif. Pengaturan hukum terkait kedudukan anak di luar perkawinan terdapat dalam pasal 42 dan 43 Undang-Undang Perkawinan Nomor 1 Tahun 1974, serta UU Nomor 35 Tahun 2014 tentang Perubahan atas UU Nomor 23 Tahun 2002 tentang Perlindungan Anak. Anak yang lahir di luar perkawinan tidak memiliki status yang tercatat atau dianggap tidak memiliki kejelasan karena berasal dari hubungan yang tidak jelas, sehingga upaya pemenuhan hak keperdataan anak sulit untuk terpenuhi. Pemerintah sebaiknya melakukan sosialisasi tentang perkawinan dan dampak negatif dari hubungan di luar perkawinan.
Perlindungan Hukum terhadap Bali Wear Kodachi atas Tindakan Wanprestasi oleh Abra Store.id dalam Perjanjian Waralaba Anak Agung Gede Agung Manuana Putra; Ni Luh Made Mahendrawati; Ni Made Puspasutri Ujianti
Jurnal Konstruksi Hukum Vol. 4 No. 3 (2023): Jurnal Konstruksi Hukum
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jkh.4.3.8054.329-334

Abstract

Salah satu bisnis yang saat ini mendapat banyak perhatian adalah bisnis waralaba karena memiliki daya tarik yang besar dan potensi untuk menghasilkan keuntungan melalui sistem lisensi waralaba. Namun, dalam praktiknya, seringkali terjadi wanprestasi, seperti kelalaian dalam pembayaran royalti. Rumusan masalah dalam penelitian ini adalah bagaimana perlindungan hukum yang diberikan kepada Bali Wear Kodachi sebagai pewaralaba jika terjadi wanprestasi yang dilakukan oleh pihak Abra Store.id sebagai terwaralaba, serta bagaimana pelaksanaan klausula perjanjian waralaba antara Bali Wear Kodachi dan Abra Store.id. Penelitian ini bersifat empiris. Perlindungan hukum bagi Bali Wear Kodachi dalam menghadapi wanprestasi yang dilakukan oleh pihak terwaralaba selama ini didasarkan pada kontrak tertulis dalam bentuk kontrak kerjasama. Untuk mencapai keadilan dalam berkontrak, penting untuk memperhatikan beberapa unsur dalam perjanjian itu sendiri, sambil tetap mematuhi ketentuan hukum yang berlaku, terutama Pasal 1338. Di masa depan, kerjasama antara pemerintah dan para pihak terkait perlu ditingkatkan agar bisnis waralaba dapat berjalan sesuai dengan kesepakatan yang telah dibuat.
Perlindungan Hukum bagi Konsumen pada Bank Beku Operasi Anak Agung Ngurah Bagus Krisna Pratama; Ni Luh Made Mahendrawati; Ni Made Puspasutari Ujianti
Jurnal Interpretasi Hukum Vol. 2 No. 1 (2021): Jurnal Interpretasi Hukum
Publisher : Fakultas Hukum, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/juinhum.2.1.3076.8-12

Abstract

Rapid population growth and current unstable economic growth made it difficult for someone to own a house. Houses in an area are sold by entrepreneurs in cash and credit. Buying housing can be done by crediting banks. On the way the bank was selected to experience bankruptcy resulting in the Bank's Operation Freeze so that the customer was disadvantaged. Research method in this writing uses normative legal research, namely examining problems using a legal basis in the form of statutory regulations and supported by opinions of scholars in the literature. The author in this study discusses two legal issues related to rights and obligations of the parties in the sale and purchase of housing on credit at banks that are declared freeze in operation and settlement efforts if the bank is declared a bank with freeze operations for the customer in buying and selling housing on credit. In this case, customers not yet able to know their rights and obligations as depositors of housing certificate funds at the bank if the bank is frozen in operation and bank that is affected by a freeze operation is also not yet clear on how to resolve if the bank is hit by a freeze operation.
Co-Authors A. A. Rai Sita Laksmi A. M. Telman A.A.Gde Oka Wisnumurti ABDULLAH, Mohd Kamarulnizam Bin Acacio Fevucrules Alarico Mendona Telman Anak Agung Ayu Indira Diana Dewi. S Anak Agung Ayu Krisna Dewi Anak Agung Gede Agung Manuana Putra Anak Agung Gede Candra Kusuma Anak Agung Gede Rizky Pramana Anak Agung Istri Agung Anak Agung Ngurah Bagus Krisna Pratama Antara, I Wayan Wesna Arimastanaya, I Gede Arini, Desak Gde Dwi Bongon, Miel S. C.A. Soares Cesaltina Angela Soares Dessy Lina Oktaviani Suendra Dewa Ayu Agung Laksmi Dewi Dewi, A.A Sagung Laksmi Dewi, Gusi Ayu Arya Anindyanari Auliani Dewi, Ni Kadek Marantina Dinda Aurelia Danian Elisabeth Ayustina Putri Korassa Sonbai Erawati, Ni Putu Tina Gede Angga Prawirayuda Gofin Sahensa Pradana Gusti Ayu Ade Diah Gamatri I Gde Suranaya Pandit I Gede Edy Korneawan I Gede Raka Ramanda I Gusti Ngurah Bagus Maha Iswara I Gusti Ngurah Bagus Maha Iswara I Gusti Ngurah Md Rama Andika I Gusti Putu Ghosadhira Vedhastama I Kadek Wahyu Fajar Sutoya I Ketut Irianto I Ketut Sugiartha I Made Aditya Mantara Putra I Made Arjaya I Made Mardika I Made Mardika I Made Suniasta Amertha I Nyoman Alit Puspadma I Nyoman Alit Puspadma I Nyoman Budiartha I Nyoman Gallan Tri Prasuta Purwanta I Nyoman Kardana I Nyoman Putu Budhiartha I Nyoman Putu Budiartha I Nyoman Putu Budiartha I Nyoman Sujana I Nyoman Sukandia I Putu Deny Adistanaya Putra I Putu Gede Seputra I Wayan Arthanaya I Wayan Dodi M. Putra I Wayan Kartika Jaya Utama I Wayan Rideng I Wayan Sujana I Wayan Wesna Astara Ida Ayu Agung Idawati Ida Ayu Anggita Pradnyandari Ida Ayu Ratna Kumala Ida Bagus Agung Putra Santika Ida Bagus Udayana Putra Indah Permatasari Iswara, I Gusti Ngurah Bagus Maha Korneawan, I Gede Edy Kristian Ananta Dion Laksmi, Anak Agung Rai Sita Lia Siti Sawaliah Liang Ning, Ni Luh Nita Mey lsye Aprilia Made Dilla Nitya Nirmala Made Wiryani Mahaputra, IB Gede Agustya Mandasari, IA Cynthia Saisaria Manuel, Julio Marta, I Dewa Gd Mahardika Muliana, I Wayan Mulyawati, Kade Richa Nengah Renaya Ni Kadek Erika Manggala Ni Kadek Prasetya Dewi Ni Kadek Vikka Ayu Swandewi Ni Komang A. Styawati Ni Komang Arini Styawati Ni Made Dwi Gayatri Putri Ni Made Isadhanti Nawangsari Ni Made Puspasutari Ujianti Ni Made Puspasutri Ujianti Ni Nengah Seri Ekayani Ni Putu Purnama Wati Ni Wayan SITIARI Ningsih, Ni Luh Anik Puspa Novanda, Ni Putu Rosita Paramananda, N Pillipe Das Silva Pradnyandari, Ida Ayu Anggita Premasanti, Nyoman Asri Putri, Ni Made Dwi Gayatri Putu Ayu Sriasih Wesna Putu Budiartha, I Nyoman Putu Gede Surya Dharma Sadana Putu Suryani . Raymundo, Carlos M. Reiro, Leonito Renaya, Nengah S Nahak Saisaria Mandasari, I.A. Cynthia Sang Nyoman Angga Diputra Senastri, Ni Made Jaya Sentelices, Leovigildo C. Setyawati, Ni Komang Arini Simon Nahak Simon Nahak Simon Nahak Styawati, Ni Komang Arini Sugiati, Gusti Ayu Susanthi, I Gusti A.A. Dian Ujianti, Ni Made Puspasutari Vibandor, Demosthenes B. Vibandor Villafuerte, Marcelo Roland C. widia, ketut Widiastari, Ketut Ayu Widiati, Ida Ayu Putu Wisnumurti, AA Gede Oka Yuli Utomo, Yuli