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All Journal Perkara: Jurnal Ilmu Hukum Dan Politik Referendum Terang: Jurnal Kajian Ilmu Sosial, Politik dan Hukum Proceeding of the International Conference on Law and Human Rights
Noor Saptanti
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Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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Wanprestasi dalam Perjanjian Kredit Pemilikan Rumah (KPR) pada Bank Tabungan Negara Kantor Cabang Solo Clarissa Vania Verianti; Noor Saptanti
Perkara : Jurnal Ilmu Hukum dan Politik Vol 2 No 1 (2024): Maret : Jurnal Ilmu Hukum dan Politik
Publisher : Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/perkara.v2i1.1788

Abstract

Bank Tabungan Negara Branch Office Solo (Bank BTN KC Solo) is an extension of the main BTN bank that carries out tasks and business activities in the field of financial banking services, especially in supporting financing in the housing sector through providing BTN mortgage facilities (KPR BTN). One of the issues that arise in providing these KPR facilities is default or breach of promise due to the non-payment of installments in the KPR. The purpose of this research is to determine the procedures for implementing BTN mortgage facilities and to identify solutions to problems in providing BTN mortgage facilities. The type of research used is normative-empirical legal research, using descriptive research, with a live case study approach. Data is based on primary and secondary data, with data analysis techniques used in this study being interactive analysis models. The results indicate that if a debtor defaults, the legal consequences for the bank are the right to contact the debtor and/or other relevant parties and the right to issue warnings in the form of default notices in the form of letters or similar deeds. The efforts made by the bank against debtors who default include collection efforts, credit salvage efforts, and credit resolution efforts.
Wanprestasi dalam Perjanjian Kredit Pemilikan Rumah (KPR) pada Bank Tabungan Negara Kantor Cabang Solo Clarissa Vania Verianti; Noor Saptanti
Perkara : Jurnal Ilmu Hukum dan Politik Vol. 2 No. 1 (2024): Maret : Perkara Jurnal Ilmu Hukum dan Politik
Publisher : Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/perkara.v2i1.1788

Abstract

Bank Tabungan Negara Branch Office Solo (Bank BTN KC Solo) is an extension of the main BTN bank that carries out tasks and business activities in the field of financial banking services, especially in supporting financing in the housing sector through providing BTN mortgage facilities (KPR BTN). One of the issues that arise in providing these KPR facilities is default or breach of promise due to the non-payment of installments in the KPR. The purpose of this research is to determine the procedures for implementing BTN mortgage facilities and to identify solutions to problems in providing BTN mortgage facilities. The type of research used is normative-empirical legal research, using descriptive research, with a live case study approach. Data is based on primary and secondary data, with data analysis techniques used in this study being interactive analysis models. The results indicate that if a debtor defaults, the legal consequences for the bank are the right to contact the debtor and/or other relevant parties and the right to issue warnings in the form of default notices in the form of letters or similar deeds. The efforts made by the bank against debtors who default include collection efforts, credit salvage efforts, and credit resolution efforts.
Non-Fungible Token Sebagai Objek Jaminan Fidusia Guna Mengoptimalisasi Hak Kekayaan Intelektual Iqbal Iqbal; Noor Saptanti
Referendum : Jurnal Hukum Perdata dan Pidana Vol. 1 No. 3 (2024): September : Referendum : Jurnal Hukum Perdata dan Pidana
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/referendum.v1i3.168

Abstract

This research examines the problem of technological advances creating digital transformation in various aspects of life, one of which is art. Digital evolution in art, giving rise to various new creative expressions, one of which is Non-Fungible Tokens. NFT as a form of creative output has Copyright which is part of Intellectual Property Rights. Based on Government Regulation Number 24 of 2022 concerning Implementing Regulations for Law Number 24 of 2019 concerning the Creative Economy, Intellectual Property Rights can be used as a basis for financing the creative economy sector. This research aims as an effort to encourage the progress of the creative economy sector by examining NFTs as objects of Fiduciary Guarantees in order to optimize Intellectual Property Rights as the basis for financing schemes for the creative economy sector. This research is a prescriptive normative legal research. Types of secondary data include primary and secondary legal materials. The technique of collecting legal materials is done by literature study, then a conceptual approach is used. The results of this study indicate that NFTs have the potential to be used as objects of fiduciary guarantees, however, there are obstacles in regulations and mechanisms that have not been protected by the government, so it is necessary to adjust more specific regulations related to the use of digital assets in fiduciary schemes and education and increased digital literacy for financial institutions and creative economy actors regarding the potential and risks of using NFTs as objects of fiduciary guarantees.
Legal Review of Termination of Unilateral Agreements in the View of Law and Human Rights in the Era of Industrial Revolution 4.0 Safitri Saraswati; Noor Saptanti; Jadmiko Anom Husodo
Proceeding of the International Conference on Law and Human Rights Vol. 1 No. 2 (2024): December : Proceeding of the International Conference on Law and Human Rights
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/iclehr.v1i2.18

Abstract

Human rights are inherent in every human being who has the same rights, including unilateral termination of an agreement, then these human rights are disturbed and not protected. The research method uses normative legal research, namely the doctrinal method, namely inventorying positive law, finding legal principles and doctrines, synchronizing existing laws and regulations and conducting research by reviewing and examining various existing literature. With the Legislative Approach, Historical Approach, Comparative Approach, and Conceptual Approach. The results of the study indicate that unilateral termination of an agreement has the potential to be categorized as an unlawful act if the unilateral termination of the agreement is carried out without a valid reason, violates the principles of propriety and law, and causes losses to other parties. In addition, unilateral termination of an agreement if carried out without a valid reason violates human rights related to the right to legal certainty and human freedom without discrimination.
Analisis Permasalahan Bagi Pihak Kreditur Dalam Jaminan Hak Atas Tanah Dengan Status Hak Guna Bangunan Wiyard Yusuf Permana Agung; Noor Saptanti
Terang : Jurnal Kajian Ilmu Sosial, Politik dan Hukum Vol. 1 No. 2 (2024): Juni : Terang : Jurnal Kajian Ilmu Sosial, Politik dan Hukum
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/terang.v1i2.210

Abstract

The function of a banking institution is to provide credit services for the economic continuity of society. Loans given to debtors must be accompanied by collateral. One form of collateral is generally a certificate of land rights and one example is Building Use Rights (HGB). With this, there are many problems between debtors and creditors in handling collateral with the object of building use rights. Therefore, this legal research will discuss what problems arise when debtors provide building use rights guarantees to creditors (banks). This research uses a prescriptive normative research method with a statutory approach, a conceptual approach and a case approach based on the problems that occur. Based on this legal research, the author concludes that when the debtor guarantees the Building Use Rights, problems will arise for the debtor, namely the term of the HGB cannot be extended and the Building Use Rights can not be upgraded to Ownership Rights if the HGB is still encumbered with Mortgage Rights.
Pelaksanaan Perjanjian Kredit Dengan Jaminan Tanah Di PT. Bank Rakyat Indonesia (Persero), Tbk, Kantor Cabang Karanganyar Drajat Satrio Husodo; Noor Saptanti
Terang : Jurnal Kajian Ilmu Sosial, Politik dan Hukum Vol. 1 No. 2 (2024): Juni : Terang : Jurnal Kajian Ilmu Sosial, Politik dan Hukum
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/terang.v1i2.221

Abstract

The provision of credit facilities in its development will always require collateral. This is due to the necessity of the Law, as well as for the security of the granting of credit, in the sense that the receivables from the bank will be guaranteed by the existence of collateral. Credit more often accepts collateral objects in the form of immovable objects, one of which is land rights because it is easy and certain in its execution. The purpose of this study was to determine the procedure for realizing credit with land collateral at BRI Karanganyar Branch Office, BRI Karanganyar Branch Office's actions against loans that fall into the doubtful category, and how to resolve if the credit in the doubtful category decreases in quality to the bad credit category. The results of this study are the procedure for realizing credit with land collateral at BRI Karanganyar Branch Office.
Co-Authors Clarissa Vania Verianti Drajat Satrio Husodo Iqbal Iqbal Jadmiko Anom Husodo Riyo Wuryanto Safitri Saraswati Soehartono , Wiyard Yusuf Permana Agung