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All Journal Unram Law Review Pena Justisia: Media Komunikasi dan Kajian Hukum
Joko Widarto
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Law, Crime, Criminology & Criminal Justice

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Settlement of Bad Loans Through Auction Execution of Customer Rights at Bank Syariah Indonesia: english Erwin Putra Pratama; Markoni; Joko Widarto; Horadin Saragih
Unram Law Review Vol 8 No 1 (2024): Unram Law Review(ULREV)
Publisher : Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ulrev.v8i1.307

Abstract

Bank Syariah Indonesia (BSI) is an Islamic bank institution that provides financing to customers. BSI KCP Tangerang City, one of the sub-branch offices, needs help financing the wrong customers. The bank analyzes financing and applies collateral as collateral for customer financing. This research has a problem formulation: how to resolve lousy credit through auction execution of mortgage rights. This research used the normative juridical approach through interviews with data sources, laws, and literature studies. The results of this study indicate that BSI KCP Tangerang City applies an auction for a bad debt if the customer's financing has a bad status and is reluctant to pay his debts under Bank Indonesia Regulation No. 14/15/PB/2012 concerning Asset Quality Assessment of Commercial Banks. The bank considers the relief efforts of restructuring negotiations, such as rescheduling, reconditioning, and restructuring, given time, to the sale of collateral. The implementation and procedures of the auction are submitted to the KPKNL by the Minister of Finance Regulation Number 213 / PMK.06 / 2020 concerning Guidelines for the Implementation of Auctions. The bank conducts collateral credietverband; the sale proceeds are handed over to the customer after deducting KPKNL fees. The bank needs to review the application of the prudential principle, 5C, 7P, and 3R credit analysis to minimize lousy credit. Customers are advised to be able to reconsider the feasibility of their ability before applying for credit from the bank.
Teknik Penanganan Masalah Penyidikan Kepolisian pada Satuan Reserse Kriminal Kepolisian Resor Kota Bulungan Kalimantan Utara (Studi Kasus Pembunuhan Korban Lansia di Panti Sosial Tresna Wherda) Gultom, Brian Daven Kyher; Joko Widarto; Markoni; Nardiman
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 2 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

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Abstract

This study aims to analyze the problems faced by the Criminal Investigation Unit of the Bulungan Police Resort in North Kalimantan in handling murder cases involving elderly people in social care facilities. This study also aims to propose solutions and techniques to deal with these investigative problems. This study discusses the challenges faced by the Bulungan City Police Resort criminal investigation unit in handling murder cases involving elderly victims. This emphasizes the importance of quality training for investigators to effectively address the complexity of such cases. Data collection methods included document analysis and interviews. The data analysis method used is qualitative descriptive analysis. This study highlights the challenges faced by the criminal investigation unit in handling murder cases involving elderly victims at the Bulungan City Police Resort. This research identifies difficulties in the management and use of evidence in criminal investigations, including challenges in collecting and examining evidence at crime scenes. This study emphasizes the need for quality training for researchers to effectively address the complexity of such cases. The research analysis concluded that the investigation of violence against the elderly at the Tresna Wherda Social Home faces challenges such as limited evidence, complex cases, and possible mental disorders of the perpetrators. Handling violence against the elderly requires a holistic approach involving the police, health institutions, social workers, and the community as a whole
Co-Authors Erwin Putra Pratama Gultom, Brian Daven Kyher Horadin Saragih Markoni Nardiman