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PENGGUNAAN PENJAMINAN BUY BACK GUARANTIE OLEH DEVELOPER TERHADAP KREDIT PEMILIKAN RUMAH (STUDI KASUS DI BANK BUKOPIN CABANG MEDAN) MOCHAMMAD ERWIN RADITYO
PREMISE LAW JURNAL Vol 8 (2015): Volume VIII Tahun 2015
Publisher : PREMISE LAW JURNAL

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Abstract

Nowdays, with increased competition in terms of the housing business, the Bank has made ​​developers with a buy-back agreement with guarantie. In guarantie buy back agreement between the Bank and the developer included a promise from the developer to buy back the collateral if the loan facility granted by the Bank to the debtor of bad loans occurred. Position and buy back guarantee guarantie role in buying and selling residential units with a mortgage facility is a developer will buy the land and buildings that have been sold in the case of negligent debtors, other than that the guarantor will help the bank to get a bank / control of land and buildings, the developer guarantees made will apply continuously and lasted until the debtor to the bank debt has been paid in full. Form of legal relationship of the parties in the fulfillment of the obligations guaranteed buy back guarantie is the relationship between the Bank and the debtor set forth in the credit agreement, while the banks of the agreement with the developer to buy back guarantie, then the developer with the debtor is a legal relationship arising through subrogation institutions. Regarding the realization of guaranteed buy back guarantie, bank / creditor has two (2) alternatives to complete and return rights, namely the Bank exercising its rights under the agreement made ​​by the debtor, or exercising its rights under the agreement to buy back guarantie. Keywords: Buy Back Guarantee, Housing Credit
Dinamika Pendampingan Manajemen Halal Bagi Usaha Mikro dan Kecil Melalui Program Self Declare Fitri Rafianti; Robi Krisna; Erwin Radityo
Jurnal Sains Sosio Humaniora Vol. 6 No. 1 (2022): Volume 6, Nomor 1, Juni 2022
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jssh.v6i1.19732

Abstract

Terbitnya Undang-Undang (UU) Nomor 33 Tahun 2014 Tentang Jaminan Produk Halal (JPH) merupakan sebuah langkah maju bagi Indonesia yang didominasi oleh penduduk beragama Islam.Sumatera Utara sebagai salah satu Provinsi yang memiliki potensi beraneka ragam UMKM dengan jumlah unit usaha di Indonesia. Berdasarkan data dari Dinas Koperasi dan UMKM Sumatera Utara (2021). Untuk jumlah UMKM di Sumut mencapai 2,8 juta jumlah UMKM yang terdaftar dan terverifikasi pada Dinas Koperasi dan UMKM hanya sebesar 380.249 unit usaha dimana 97% berada di daerah perkotaan. Sebagian besar UMK yang berada di Provinsi Sumatera Utara merupakan usaha kuliner.Selain itu, permasalahan lain yang berhubungan dengan implementasi UU no. 3 Tahun 2014 adalah bahwa produk yang dijual belum memiliki sertifikasi halal, belum adanya penyelia halal dari UMK, belum adanya pengetahuan tentang Manajemen Jaminan Halal dan proses sertifikasi halal itu sendiri. Dalam hal ini penulis meninjau terkait aturan pada 33 Tahun 2014 dan regulasi lainnya ditinjau dari keberlakuan maṣlahah. Metode penelitian yang penulis gunakan dalam penelitian ini menggunakan pendekatan hukum normatif dengan jenis penelitian deskriptif analitis. Hasil dari penilitian ini bahwa konsepnkemaslahatan terkait kebijakan halal self declare bagi UMK telah sejalan dengan tujuan syar‟i dalam rangka mencapai kemaslahatan dan menghilangkan/menolak kemudharatan. Sehingga dalam penerapannya, peran pelaku usaha dalam rangka memberi kenyamanan, melindungi konsumen muslim khususnya, serta kekuatan komitmen para pembuat kebijakan dan lembaga terkait agar dapat diimplementasikan dengan sebaik-baiknya.
ENHANCES JURIDICAL OF CIVIL CASES ON LAND THAT IS NOT CERTIFIED CLAIMED AS THE PROPERTY OF HEIRS Mochammad Erwin Radityo
Jurnal Scientia Vol. 12 No. 03 (2023): Education, Sosial science and Planning technique, 2023 (June-August)
Publisher : Sean Institute

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Abstract

Where’s the problem is that often the origin of the land inherited by the heir is unclear, especially if the heir does not have a valid legal basis as strong evidence of the inherited land. Often the heirs claim that the land is theirs because it is inherited from their parents as heirs, but cannot provide valid and strong evidence of ownership of the land. This paper discussed a formulation of the problem that will be the subject of discussion is: How is the validity of inheritance according to positive law in Indonesia, This research is normative juridical research, namely research that refers to legal norms contained in laws and regulations, court decisions and legal norms that exist in society. In this research, an analysis of a decision that has legal force will be carried out, namely Decision 53/Pdt.G/2018/PN Bnj. In this study, it can be concluded that if a land that is claimed does not have strong evidence, in this case the certificate as a basis for legal rights, then the person claiming it will not be comfortable owning and managing the land because there is no legal certainty or there is no legal standing over the ownership is that they do not have a Certificate of Ownership, even though the person has mastered it for a long time.
Analisis Kewirausahaan Muslim Terhadap Keberhasilan Usaha Mochammad Erwin Radityo; Jasmalinda Jasmalinda
JURNAL ILMIAH EDUNOMIKA Vol 7, No 2 (2023): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v7i2.10104

Abstract

The main problem of this research is how to analyze the relationship between the level of knowledge of Muslim entrepreneurs and the success of a business (a case study of Muslim entrepreneurs in Benteng District, Selayar Islands Regency) The main problem is raised into several sub-problems or research questions, namely: how is the relationship between the level of knowledge of Muslim entrepreneurs and the success of a business. This type of research is classified as quantitative research is a research method that is inductive, objective, and scientific in which the data obtained is in the form of numbers (score, value) or statements that are scored, and analyzed by statistical analysis. The source of data for this research is the Muslim community who work as entrepreneurs. The data collection methods used are interviews and questionnaires. Data management and analysis techniques are carried out by validity test, reliability test, simple regression analysis, correlation coefficient, determination coefficient test (R2), and t-test (partial). The results of this study indicate that: the correlation coefficient is 0.561 this value can be interpreted based on the correlation coefficient guidelines, that the relationship between the two research variables is in the category of moderately correlated relationships. And the coefficient of determination (R2) of 0.35.9 which means that the explanation of variable X to variable Y is 35.9% and the rest is explained by other variables not examined by researchers. Although the correlation coefficient test states that the level of correlation is sufficient, the partial t-test still shows that the t-count value is 3.570 and the t-table value is 1.991, which means t-count > t-table with a significance value of 0.001
Legal Protection Of Notaries In Issuing Skmht (Charge Letter Of Power Of Attorney Monitoring Rights) On The Bank Dina Andiza; Beby Sendy; Moehammad Erwin Radityo; Lubis, Syna Ardia Putri
The International Conference on Education, Social Sciences and Technology (ICESST) Vol. 3 No. 2 (2024): The International Conference on Education, Social Sciences and Technology
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/icesst.v3i2.432

Abstract

Land as the wealth of the Indonesian nation must be utilized for the greatest prosperity of the people. To achieve this utilization, land consolidation needs to be carried out as an effort to increase the utility and results of land use and to align individual interests with the social function of land in the context of implementing development. Land is the basic capital for development and supports the running of the economy, there is almost no development activity that does not require land. Land plays a very important role, even determining the success or failure of a development. The nature of this research is descriptive, the results of this research are expected to obtain a factual picture or description of the land consolidation policy towards the re-arrangement of land ownership and use in Tanjung Sena Village, Sibiru-Biru District, Deli Serdang Regency, where the objects of land consolidation are land, residential buildings, dry land such as oil palms and fields, and village roads. Land consolidation as one of the efforts to increase the utility and results of land use. Land utilization needs to be implemented in the form of land regulation, control, and management. The use and utilization of land is carried out by re-arranging, partnership efforts, transfer and release of land rights in accordance with applicable laws and regulations. In the framework of land use management, guidance and control are carried out. Guidance is carried out through the provision of guidelines, guidance, training, and direction, while control is carried out through supervision such as supervision, reporting and regulation. The implementation of the regional spatial planning design is not always effective in the field, some people still assume that land rights are absolute rights, meaning rights that cannot be violated against land even though land rights contain social functions, land can be used by anyone as long as legal procedures have been taken, especially if the prospective land user is the state and is used for public interest.are fun for children such as singing, storytelling, role playing and involving parents in learning at home.
An Implementation Of Environmental Law In Medan City Related To Waste Management System Mochammad Erwin Radityo
Jurnal Ekonomi Vol. 13 No. 04 (2024): Edition October -December 2024
Publisher : SEAN Institute

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Abstract

This study examines the implementation of environmental law in Medan City in relation to waste management. Medan, as one of the largest cities in Indonesia, faces significant challenges in managing waste due to rapid population growth and urbaniza-tion. The purpose of this study is to analysed the effectiveness of environmental law reg-ulations governing waste management in Medan and to identify factors that support and hinder the implementation of these policies. The research employs a qualitative ap-proach, collecting data through interviews, observations, and document reviews related to waste management policies. The findings reveal that although regulations exist to govern waste management in Medan, their implementation faces various obstacles, in-cluding low public awareness, limited waste management facilities, and insufficient law enforcement by authorities. The study concludes that collaboration among the govern-ment, community, and private sector is crucial to optimizing sustainable waste manage-ment. Increased public awareness about environmental regulations and the provision of adequate infrastructure are essential to ensure that waste management is effective and environmentally friendly.
Legal Protection Against Creditors On Execution Of Land And Buildings According To Civil Law Perspectives (Decision Study No. 355/Pdt.G/2023/PN.Medan) Rizka Putri Febritama; Dina Andiza; Mochammad Erwin Radityo
International Journal of Society and Law Vol. 2 No. 3 (2024): December 2024
Publisher : Yayasan Multidimensi Kreatif

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Abstract

The execution of assets by creditors often raises disputes, especially in terms of debtors' rights that are not always well protected. Civil Law regulates the contractual relationship between the Creditor and the Debtor, but in the execution of execution, it is often found that the rights of the Debtor are neglected, especially in the execution of Land and Buildings which are important assets for the Debtor. There are three problems discussed in this Journal, namely, (1) What is the general view of Land and Buildings in Indonesia?, (2) What are the factors that cause Land and Buildings to be executed according to Civil Law? and (3) How to legally protect creditors for the execution of Land and Buildings according to the perspective of Civil Law based on Decision No.355/Pdt.G/2023/PN. Terrain. The type of research is Normative Law, with the nature of Analytical Descriptive Research, The research method used is literature research or document study. The types of data used are primary data and secondary data. In the perspective of Civil Law, the relationship between the Creditor and the Debtor is contractual, where both parties have rights and obligations regulated by the Laws and agreements.Enforcement regulations in the Civil Law in Indonesia need to be strengthened to prevent abuse of rights by creditors, as well as to protect the rights of debtors, especially in terms of land and building execution.
Legal Strength Analysis of Land Ownership under Grant Sultan Status in the Indonesian Land Law System (Case Study of Supreme Court Decision Number 227-PK/PDT/2015) Jasin Dosi Raja Simarmata; Mochammad Erwin Radityo; Fitri Rafianti
Fox Justi : Jurnal Ilmu Hukum Vol. 15 No. 03 (2025): Fox justi : Jurnal Ilmu Hukum, Edition 2025
Publisher : SEAN Institute

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Abstract

In human life, this country is a place where people can live and live, so that this country is not separate from human actions themselves. Therefore, land is needed for everyone on this planet, which often causes problems and conflicts, especially those related to land. The formulation of the problem that is the purpose of this study is: How is the land ownership system in Indonesian law and What are the problems that arise in land ownership with the status of Grant Sultan looking at case no. 227-PK / PDT / 2015. This study uses the nature of Descriptive Analytical research. The type of research used in this study is Normative Juridical legal research obtained from secondary data. This research method uses normative juridical research, namely research based on the reason that legal research is a process of discovering legal rules, legal principles, and doctrines to answer the legal questions faced. For this reason, a rule is needed that regulates the relationship between humans and land. For humans, land is a place and space for all living things on earth, and is a source of life. On the one hand, population growth has increased and continues to accelerate, followed by the development of science and technological progress in various fields, while the country is limited natural resources.
ANALISIS YURIDIS GUGATAN WANPRESTASI ATAS PERJANJIAN ASURANSI BERDASARKAN PUTUSAN MAHKAMAH AGUNG NOMOR 2275 K/PDT/2017 Ramadhani, Tika; Dina Andiza; Mochammad Erwin Radityo
Journal of Innovation Research and Knowledge Vol. 5 No. 3: Agustus 2025
Publisher : Bajang Institute

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Abstract

Sengketa wanprestasi dalam perjanjian asuransi merupakan permasalahan hukum perdata yang kerap menimbulkan kerugian bagi tertanggung, terutama ketika penanggung tidak melaksanakan kewajibannya secara penuh sesuai isi polis. Rumusan masalah pada penelitian ini mencakup bagaimana tinjauan umum tentang perjanjian asuransi, apa faktor-faktor penyebab terjadinya gugatan wanprestasi berdasarkan Putusan Mahkamah Agung Nomor 2755 K/Pdt/2017, serta bagaimana analisis tentang Gugatan Wanprestasi atas Perjanjian Asuransi ditinjau menurut Putusan tersebut. Penelitian ini menggunakan metode yuridis normatif dengan pendekatan deskriptif-analitis. Metode ini bertujuan untuk mengkaji norma hukum yang berlaku dengan menelaah peraturan perundang-undangan dan doktrin. Data yang digunakan bersumber dari bahan hukum sekunder seperti undang-undang, pendapat ahli, dan putusan pengadilan. Hasil penelitian menunjukkan bahwa Tergugat telah wanprestasi secara parsial karena tidak memenuhi kewajiban pembayaran klaim sesuai polis, melanggar prinsip kepastian hukum dan itikad baik dalam perjanjian. Putusan Mahkamah Agung menguatkan pentingnya prinsip keadilan dalam kontrak asuransi serta perlunya perlindungan hukum terhadap tertanggung. Kesimpulannya Putusan Mahkamah Agung telah menegaskan wanprestasi parsial oleh penanggung dan memperkuat perlindungan hukum bagi tertanggung. Peningkatan transparansi perusahaan asuransi sangat diperlukan agar proses klaim berjalan adil dan akuntabel. Selain itu pemahaman masyarakat terhadap isi polis juga harus ditingkatkan sebagai langkah preventif untuk menghindari sengketa serupa di masa mendatang.
Legal Analysis of the Prohibition on Female Civil Servants Becoming Second Wives in Polygamous Marriages: A Case Study of Decision No. 7/Pdt.G/2017/PA.BATG Naila Zikirach Br Lubis; Mochammad Erwin Radityo; Dina Andiza
Fox Justi : Jurnal Ilmu Hukum Vol. 15 No. 03 (2025): Fox justi : Jurnal Ilmu Hukum, Edition 2025
Publisher : SEAN Institute

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Abstract

This research analyzes the legal basis and implications of the prohibition on female civil servants becoming second wives in polygamous marriages, with a focus on decision no. 7/pdt.g/2017/pa.batg. The study aims to explore the intersection between marital rights, gender equality, and administrative regulations within the indonesian legal system. Using a normative legal method combined with a case approach, the research examines relevant laws including law no. 1 of 1974 on marriage, government regulation no. 45 of 1990 on amendments to regulation no. 10 of 1983 concerning marriage for civil servants, and other related legal instruments. The findings show that the prohibition is rooted in efforts to maintain professional integrity, institutional discipline, and gender equity in the public sector. However, the enforcement of such restrictions raises constitutional questions regarding equal rights and personal freedom. The case of decision no. 7/pdt.g/2017/pa.batg highlights the tension between individual marital choices and institutional norms. This research concludes that while the regulation seeks to uphold ethical standards in public service, it also requires harmonization with fundamental human rights principles to ensure justice and legal certainty.