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Rudyanti Dorotea Tobing
STIH Tambun Bungai Palangka Raya
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KEADILAN DALAM PERJANJIAN KREDIT PERBANKAN Rudyanti Dorotea Tobing
Jurnal Ilmu Hukum Tambun Bungai Vol 1 No 1 (2016): Jurnal Ilmu Hukum Tambun Bungai
Publisher : Sekolah Tinggi Ilmu Hukum Tambun Bungai Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (198.404 KB) | DOI: 10.20231/jihtb.v1i1.51

Abstract

Banking financial institution has a strategic role in national development, especially in economic activities, because the bank's main function is to collect and distribute public funds. In the modern business activities, credit is the most important source of financing, it is seldom a business activity rely entirely on internal sources of financing in the form of equity participation (self-financing). Credit is the provision of money or bills can be equated with it, based on agreements between bank lending and other parties who require the borrower to repay their debts after a certain period of time with interest. Giving credit means giving confidence to the debtor by the creditor even though the trust contains a high risk. The crediet agreement arising in practice based on the principle of freedom of contract. The crediet agreement that is based on freedom of contract and only promote the principles of prudence and efficiency, will eventually lead to injustice for the people. Credit only promote economic justice, yet to be realized in national development is social justice.
PERLINDUNGAN HUKUM TERHADAP PERUSAHAAN PASANGAN USAHA YANG BERITIKAD BAIK DALAM PERJANJIAN MODAL VENTURA Rudyanti Dorotea Tobing
Jurnal Ilmu Hukum Tambun Bungai Vol 1 No 2 (2016): Jurnal Ilmu Hukum Tambun Bungai
Publisher : Sekolah Tinggi Ilmu Hukum Tambun Bungai Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (308.222 KB) | DOI: 10.20231/jihtb.v1i2.61

Abstract

Formation of Venture Capital Company (PMV) in Indonesia is to finance to SMEs as Partnership Company (PPU). The main function of PMV is equity (equity participation) to the PPU, especially entrepreneurs beginners. Article 1 paragraph 2 of Regulation of the Minister of Finance No. 18 / PMK.010 / 2012 on the Venture Capital Company states that: "Venture Capital is a business entity that conducts business financing / equity into a company (investee company) for a certain period in the form of shares of stock, participation in the form of the purchase of convertible bonds and / or financing based on the division in the results. " In practice, the majority of PMV is engaged in the provision of credit and direct loans like banks. This situation triggered by the increasing number of business people who need loans for their business. On the other hand there are still many businesses that do not understand the true nature of venture capital firms. In ignorance and in desperate conditions, many businesses are doing the borrowing agreement with PMV. Arrangements were made just like a bank loan agreement following the security agreement in the form of imposition of Hak Tanggungan. When the PPU of default, the mortgage was executed and auctioned. PMV do into agreement for the understanding the true state of the PPU were in desperate need of funds. Article 1338 paragraph (3) of the Civil Code states that the agreement must be implemented in good faith. Good faith should be available from the moment the process of negotiating and drafting of contracts and the implementation of the contract. In essence the PPU has to implement its obligations in good faith, but instead PMV which does not apply the principle of good faith. PPU good faith should get legal protection. As a form of legal protection against PPU good faith, there should be strict sanctions to PMV who do venture capital agreement that does not comply with the legislation.
ITIKAD BAIK DALAM PERJANJIAN JUAL BELI TENAGA LISTRIK ANTARA PT. PERUSAHAAN LISTRIK NEGARA (PERSERO) DENGAN KONSUMEN Rudyanti Dorotea Tobing
Jurnal Ilmu Hukum Tambun Bungai Vol 2 No 2 (2017): Jurnal Ilmu Hukum Tambun Bungai
Publisher : Sekolah Tinggi Ilmu Hukum Tambun Bungai Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20231/jihtb.v2i2.73

Abstract

Electricity is one of the basic needs most needed by the community. Electric power has a very important and strategic role in realizing the goals of national development then the power supply business is controlled by the State In order for the community to enjoy electric power, the distribution of electricity is the power supply of electricity from the transmission system or from the generator to the consumer. This distribution is done through the sale of electric power, which is the business of selling electricity to consumers. The implementation of electricity sales business is carried out by State Owned Enterprises namely PT (limited liability company). PLN (State Electricity Enterprise) (Persero). If people are willing to buy electric power, then people must apply to PT. PLN (State Electricity Enterprise) (Persero). Furthermore, between PT PLN (State Electricity Enterprise) (Persero) and the society will be made a Letter of Sale and Purchase Power Agreement. As a effect of the law of the agreement, the contents of the agreement shall be executed by both parties. The parties shall enter into agreement in good faith. The principle of good faith can be deduced from Article 1338 Paragraph (3) of the Civil Code which states that "the Agreement shall be executed in good faith". The Agreement is made by normative and contains an exoneration clause. The rights and obligations of parties determined by PLN (State Electricity Enterprise) as the holder of the single electric power business in Indonesia, causing an injustice to the consumer. At the normative level in Act no. 30 Year 2009 on Electrification has seen there is good faith from the government to protect the interests of consumers (electricity customers). At the level of empirical position between consumers (electricity customers) with PT. PLN (State Electricity Enterprise) (Persero) is very unbalanced. PT PLN (Persero) is more dominant than consumers. PT. PLN (Persero) often does not perform its duties properly as regulated in the law because it feels to have the right of monopoly on the supply of electric power.
ASAS KEBEBASAN BERKONTRAK DALAM PERJANJIAN MODAL VENTURA Rudyanti Dorotea Tobing
Lex Publica Vol. 3 No. 1 (2016)
Publisher : APPTHI

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (265.433 KB)

Abstract

Salah satu asas yang dijunjung tinggi dalam hukum perjanjian adalah asas kebebasan berkontrak. Pasal 1338 ayat (1) KUH Perdata berbunyi “Semua perjanjian yang dibuat secara sah berlaku sebagai undang-undang bagi mereka yang membuatnya”. Dari ketentuan Pasal tersebut berarti bahwa perjanjian-perjanjian yang dibuat secara sah diakui mengikat para pihak yang membuatnya sebagai undang-undang. Asas kebebasan berkontrak diakui oleh KUH Perdata, tetapi pada hakikatnya banyak dibatasi oleh KUH Perdata itu sendiri. Asas kebebasan berkontrak dibatasi oleh beberapa faktor yaitu itikad baik dan penyalahgunaan keadaan (misbruik van omstandigheden atau undue influence). Salah satu perwujudan dari asas kebebasan berkontrak adalah munculnya perjanjian modal ventura. Pasal 1 angka 2 Peraturan Menteri Keuangan No. 18/PMK.010/2012 tentang Perusahaan Modal Ventura menyebutkan bahwa: “Perusahaan Modal Ventura (Venture Capital Company) adalah badan usaha yang melakukan usaha pembiayaan/penyertaan modal ke dalam suatu perusahaan (investee company) untuk jangka waktu tertentu dalam bentuk penyertaan saham, penyertaan dalam bentuk pembelian obligasi konversi, dan/atau pembiayaan berdasarkan pembagian atas hasil usaha.” Pembentukan Perusahaan Modal Ventura (PMV) di Indonesia adalah untuk melakukan pembiayaan kepada UMKM sebagai Perusahaan Pasangan Usaha (PPU). Fungsi utama PMV adalah penyertaan modal (equity participation) kepada PPU, terutama wirausaha pemula. Pasal 1 angka 2 Peraturan Menteri Keuangan No. 18/PMK.010/2012 tentang Perusahaan Modal Ventura menyebutkan bahwa: “Perusahaan Modal Ventura (Venture Capital Company) adalah badan usaha yang melakukan usaha pembiayaan/penyertaan modal ke dalam suatu perusahaan (investee company) untuk jangka waktu tertentu dalam bentuk penyertaan saham, penyertaan dalam bentuk pembelian obligasi konversi, dan/atau pembiayaan berdasarkan pembagian atas hasil usaha.” Pembentukan Perusahaan Modal Ventura (PMV) di Indonesia adalah untuk melakukan pembiayaan kepada UMKM sebagai Perusahaan Pasangan Usaha (PPU). Fungsi utama PMV adalah penyertaan modal (equity participation) kepada PPU, terutama wirausaha pemula. Pemberian kredit dan pinjaman langsung layaknya bank oleh PMV kepada PPU menunjukkan bahwa PMV tidak menerapkan asas itikad baik. PMV melakukan perjanjian ini dengan pelaku usaha karena memahami benar keadaan pelaku usaha yang sangat membutuhkan pinjaman. Padahal sesungguhnya PMV tidak memiliki kewenangan untuk melakukan perjanjian pinjam meminjam layaknya kredit perbankan. Meskipun perjanjian modal ventura didasarkan pada asas kebebasan berkontrak, akan tetapi karena melanggar prinsip itikad baik, kepatutan dan undang-undang maka perjanjian modal ventura ini tidak memenuhi syarat sahnya perjanjian.
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