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RESTRUKTURISASI SEBAGAI PENYELAMATAN KREDIT BERMASALAH PADA BANK Biner Sihotang; Elsi Kartika Sari
Prosiding Seminar Nasional Pakar Prosiding Seminar Nasional Pakar 2019 buku II
Publisher : Lembaga Penelitian Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/pakar.v0i0.4376

Abstract

Risiko yang sering terjadi dalam usaha perbankan pada umumnya adalah risiko kredit bermasalah atau Non Performing Loan (NPL). Faktor penyebab risiko kredit bermasalah antara lain kesalahan penggunaan kredit, manajemen pengggunaan kredit yang buruk, serta kondisi perekonomian yang mempengaruhi iklim usaha sehingga terjadi wanpretasi pada debitur. Akibat krisis terhadap sektor perkreditan besarnya Non Performing Loan (NPL) pada bank menimbulkan alternatif baru dalam menurunkan NPL dengan melakukan Restrukturisasi Kredit.Metode penelitian ini yang digunakan adalah Normatif, dengan penelitian deskriptif analitis.Restrukturisasi Kredit upaya perbaikan yang dilakukan Bank dalam kegiatan perkreditan terhadap debitur yang mengalami kesulitan untuk memenuhi kewajibannya yang diatur dalam Peraturan Otoritas Jasa Keuangan No.11/POJK.03/2015 dan PBI Nomor 14/15/PBI/2012. Keuntungan restrukturisasi kredit bagi bank adalah dengan selamatnya usaha debitur yang direstrukturisasi maka nilai NPL Bank dapat berkurang serta CKPN yang seharusnya dianggarkan untuk potensi kredit bermasalah dapat terselamatkan dan dapat digunakan untuk pembiayaan lainnya.
Legal Certainty of the Role of Notaries in Electronic General Meetings of Shareholders of Limited Liability Companies in an Effort to Support the Asean Economic Community Biner Sihotang
Journal of Law, Politic and Humanities Vol. 5 No. 4 (2025): (JLPH) Journal of Law, Politic and Humanities
Publisher : Dinasti Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jlph.v5i4.1566

Abstract

Technological advances and in an effort to improve services to the community, a concept has been introduced in the world of public services that uses Information and Communication Technology (ICT) such as the General Meeting of Shareholders (GMS) of Limited Liability Companies which can be conducted conventionally or via teleconference or videoconference, thus demanding the role of Notaries in an effort to provide legal certainty for the implementation of the General Meeting of Shareholders (GMS) of Limited Liability Companies. The problem in this study is how is the legal certainty of the role of notaries in general meetings of shareholders of limited liability companies electronically in an effort to support the ASEAN Economic Community? This study is a normative legal study using secondary data and analyzed descriptively. The results of the study show that the legal certainty of the role of notaries in general meetings of shareholders of limited liability companies electronically in an effort to support the ASEAN Economic Community can be carried out by playing a role in organizing electronic certification as a registration authority (RA) that verifies data and the identity of users of electronic signatures, for example in the case of General Meetings of Shareholders (GMS) of Limited Liability Companies which can be conducted conventionally or via teleconference or videoconference. If done by teleconference or videoconference, then everything that is discussed that occurs must be recorded and stored in a storage medium for that purpose as an Electronic Document and must be stored by the Notary as part of the Minutes of the Deed, also as part of the Notary Protocol, which at some point if needed, for example for evidence in court can be reopened. However, the Notary's obligation is to continue to make the Minutes of the Deed in the form of ordinary paper, which has been done so far.
Optimalisasi Peran Ikatan Notaris Indonesia dalam Perlindungan Hukum bagi Notaris Achmad, Helmy; Biner Sihotang
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 3 No 4 (2025): 2025
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v3i4.2125

Abstract

Notaris di Indonesia rentan dikriminalisasi akibat kesalahan administratif, sementara efektivitas Ikatan Notaris Indonesia dalam melindungi mereka masih dipertanyakan. Penelitian ini bertujuan menganalisis optimalisasi peran INI dalam memberikan perlindungan hukum preventif dan represif bagi notaris, serta mengevaluasi kecukupan Undang-Undang Jabatan Notaris (UUJN) dalam mendukung perlindungan tersebut. Metode penelitian yang digunakan adalah yuridis normatif dengan pendekatan perundang-undangan, konseptual, dan kasus, berdasarkan data sekunder berupa undang-undang, putusan pengadilan, regulasi organisasi, dan literatur akademik. Hasil penelitian menunjukkan bahwa perlindungan hukum melalui INI masih bersifat reaktif, sebagaimana tergambar dalam kasus Notaris Wahyudi Suyanto yang mengalami kriminalisasi meski telah menjalankan tugas sesuai prosedur. UUJN, khususnya Pasal 66, belum sepenuhnya efektif karena cakupan terbatas dan lemahnya penegakan oleh aparat. Penguatan peran INI melalui reformasi regulasi, koordinasi dengan lembaga pengawas, serta pembentukan dana perlindungan profesi diperlukan untuk mewujudkan perlindungan hukum yang aktif dan efektif bagi notaris
Kajian Yuridis Pertanggungjawaban Hukum dalam Tindak Pidana Penadahan Samsuto Samsuto; Yasmirah Mandasari Saragih; Biner Sihotang
Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora Vol. 5 No. 2 (2026): JURRISH: Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrish.v5i2.8462

Abstract

This study analyzes the construction of criminal liability in the crime of handling stolen goods, focusing on situations where the perpetrator purchases or receives goods without knowing they are the result of a crime, especially when the economic value is relatively small, i.e., below Rp5,000,000. This normative study uses a legislative approach by examining Article 591 of Law Number 1 of 2023 on the Criminal Code (KUHP), as well as a conceptual approach to the theory of fault (schuld) and the principle of proportionality. The study's findings show that in transactions involving low-value goods, proving the subjective element of "knowing or should have known" becomes highly problematic because the element of intent (dolus) is often not met without objective suspicious indications. The concept of price fairness plays a key role as the primary indicator of normal transactions and weakens the assumption that the perpetrator should suspect the illegal origin of the goods. This study recommends that law enforcement consider using non-criminal mechanisms, such as restitution or mediation, to achieve substantive justice and avoid excessive criminalization.
Tinjauan Teori Hukum terhadap Tindak Pidana Pencurian yang Dilakukan Remaja Berumur 15 Tahun di Pasar Damun Damun; Yasmirah Mandasari Saragih; Biner Sihotang
Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora Vol. 5 No. 2 (2026): JURRISH: Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrish.v5i2.8463

Abstract

This research is motivated by the phenomenon of theft committed by 15-year-old adolescents in market environments, which creates tension between criminal law enforcement and the principle of child protection in the Indonesian legal system. The study aims to analyze the legal regulations of theft under the old Criminal Code (Law No. 1 of 1946), the new Criminal Code (Law No. 1 of 2023), and the Juvenile Criminal Justice System Law; to examine the criminal liability of adolescents from the perspective of criminal law theory; and to review the implementation of restorative justice and diversion. The research method used is normative legal research with statutory, conceptual, and case approaches, particularly reviewing the provisions of Article 591 of the new Criminal Code, the theory of fault, and the principle of proportionality. The results indicate that the criminal liability of children must take into account psychological limitations, maturity levels, and criminogenic factors, including the influence of the social environment. Furthermore, the mens rea element in the phrase "known or reasonably suspected" is difficult to apply in practice to transactions involving small losses, as price reasonableness can obscure indications of malicious intent. This finding affirms that imposing criminal penalties on children in cases of petty theft potentially contradicts the principles of ultimum remedium and proportionality. Therefore, law enforcement should prioritize diversion, mediation, and restorative justice approaches by involving families and communities to achieve substantive justice and prevent excessive criminalization of children.
Problematika Penegakan Hukum Pidana Pemilu dalam Sistem Sentra Gakkumdu dan Rekonstruksinya Berbasis Pendekatan Restorative Justice Cipto Hardoyo; Yasmirah Mandasari Saragih; Biner Sihotang
Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora Vol. 5 No. 2 (2026): JURRISH: Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrish.v5i2.8487

Abstract

The enforcement of election criminal law plays a crucial role in safeguarding democratic integrity and upholding the principle of popular sovereignty. Law Number 7 of 2017 establishes the Integrated Law Enforcement Center (Sentra Gakkumdu) as a coordinated mechanism involving the Election Supervisory Body, the Police, and the Prosecution Service in addressing election crimes. However, in practice, the Gakkumdu system has not fully ensured a balanced realization of legal certainty, substantive justice, and legal utility. This study aims to analyze the problems of election criminal law enforcement within the Gakkumdu system, examine the relevance of the Restorative Justice approach in election law, and formulate a reconstruction of election criminal law enforcement based on this approach. This research employs normative legal research using statutory, conceptual, legal philosophy, and legal policy approaches. The findings indicate that the weaknesses in election criminal law enforcement arise from institutional fragmentation, normative ambiguity, and a legal culture dominated by legalistic and sectoral perspectives. The Restorative Justice approach is considered relevant as it prioritizes substantive justice and the restoration of democratic values. Therefore, reconstructing election criminal law enforcement based on Restorative Justice is essential to strengthening democratic legitimacy and public trust in elections in Indonesia.