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All Journal Law, Development and Justice Review INTERNATIONAL JOURNAL OF SOCIAL, POLICY AND LAW (IJOSPL) Klausula: Jurnal Hukum Tata Negara, Hukum Adminitrasi, Pidana dan Perdata
David Novan Setyawan, David Novan
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Education Law, Crime, Criminology & Criminal Justice Social Sciences

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PENERAPAN TAKE OVER DI BANK SYARIAH DENGAN MENGGUNAKAN AKAD IJARAH Setyawan, David Novan
KLAUSULA (Jurnal Hukum Tata Negara Adminitrasi Dan Pidana) Vol 3 No 1 (2024): KLAUSULA (Jurnal Hukum Tata Negara, Hukum Adminitrasi, Pidana Dan Perdata)
Publisher : Universitas Islam kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/klausula.v3i1.4362

Abstract

Pada konsepnya pembiayaan diperbankan, bank dapat memberikan pembiayaan kepada nasabah berupa pembiayaan konsumtif, modal kerja maupun kerjasama pembiayaan yang diimplementasikan dalam kerjasama modal kerja. Ada juga pembiayaan yang diberikan bank syariah kepada nasabah dimana nasabah tersebut sebelumnya masih memiliki tanggungan di bank lain, terutama yang berasal dari bank konvensional dan pembiayaan tersebut yang dimaksud dengan pembiayaan take over, istilah take over dalam ekonomi mempunyai arti pengambilalihan. Transaksi take over yaitu pengalihan pembiayaan dari bank konvensional ke bank syariah yang telah diatur dalam fatwa Dewan Syariah Nasional No.31/DSN-MUI/VI/2002 tentang pengalihan hutang. Penelitian ini bertujuan untuk mengetahui Penerapan Take Over di Bank Syariah dengan menggunakan Akad Ijarah. Penelitian ini menggunakan metode penelitian hukum normatif dengan pendekatan perundang-undangan dan konseptual. Hasil penelitian ini untuk mengetahui penerapan take over di bank syariah dengan menggunakan akad ijarah. Implementasi multi akad dalam pembiayaan take over pada bank syariah belum sesuai dengan prinsip syariah yang telah dituangkan dalam Fatwa DSN MUI No.31/DSN-MUI/VI/2002, karena pelaksanaan akad-akad tersebut Bank Syariah dalam hal penandatanganan akad masih belum terpisah dan dalam penentuan biaya ujrah masih berdasarkan jumlah pinjaman bukan berdasarkan nilai taksiran. Sedangkan di dalam Fatwa DSN MUI tentang Pengalihan Hutang dijelaskan bahwa akad ijarah harus terpisah dari pemberian talangan (al-Qardh) dan penentuan biaya ujrah tidak boleh di dasarkan pada jumlah talangan.
LEGAL REVIEW OF THE MECHANISM OF ISSUANCE OF REPLACEMENT CERTIFICATES FOR DAMAGED LAND RIGHTS BASED ON GOVERNMENT REGULATION NUMBER 24 OF 1997 CONCERNING LAND REGISTRATION Al-Anshori, Huzaimah; Chasanah, Nur; Setyawan, David Novan; Manfaluthi, Agus
INTERNATIONAL JOURNAL OF SOCIAL, POLICY AND LAW Vol. 2 No. 5 (2021): October 2021
Publisher : INTERNATIONAL JOURNAL OF SOCIAL, POLICY AND LAW

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8888/ijospl.v2i5.191

Abstract

A replacement certificate is a copy of a damaged or lost certificate in terms of meaning and the contents contained therein are not much different from a land title certificate. The results of this study are (1) The mechanism for issuing replacement certificates due to loss, damage and old forms. This replacement certificate is intended for people who have lost their certificates, damaged, torn or missing parts and for those who have certificates with old and obsolete forms so that they need to register a replacement Land Title Certificate, that the mechanism for issuing replacement certificates has been regulated in Chapter IV Article 57-60 of Government Regulation Number 24 of 1997. (2) Implementation of Issuance of Replacement Land Title Certificates Due to Damage. An application can be submitted to the Land Office in its jurisdiction and with the requirements that have been determined by laws and regulations. (3) Legal Protection for Holders of Replacement Land Title Certificates. Legal protection for holders of replacement land title certificates is basically the same as legal protection for land titles in general, where the certificates are both proof of rights, which serve as strong evidence. This is regulated in Law Number 5 of 1960 concerning Basic Agrarian Principles, Article 19.
Urgensi Pengaturan Hybrid Contract dalam Pengalihan Utang (Take Over) Untuk Mewujudkan Kepastian dan Keadilan Hukum Setyawan, David Novan
Law, Development and Justice Review Vol 9, No 1 (2026): Law, Development & Justice Review
Publisher : Faculty of Law, Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/ldjr.9.2026.1-22

Abstract

Debt transfer (take over) in contemporary financing practices is increasingly conducted through a hybrid contract structure, which has not been explicitly regulated in statutory law. This condition potentially generates legal uncertainty and injustice for the parties involved, particularly debtors. Therefore, this study examines the urgency of regulating hybrid contracts in debt transfer mechanisms in order to ensure legal certainty and justice. This research employs a normative legal research method with statutory, conceptual, and systematic approaches. These approaches are used to assess the conformity of hybrid contract practices with the principles of contract law and the prevailing positive legal norms in Indonesia. The findings indicate that the absence of specific regulation on hybrid contracts in debt transfer results in normative fragmentation between general civil law, financing law, and modern contractual practices. Such fragmentation leads to ambiguity regarding the legal basis of agreements and weakens legal certainty. Furthermore, this study reveals a normative vacuum concerning the legal standing of hybrid contracts in debt transfer (take over) within the Indonesian civil law system. In practice, take over transactions cannot be purely classified as novation, subrogation, or assignment (cessie), but rather constitute a mixed contractual arrangement that has not been explicitly recognized under positive law. This condition creates ambiguity in determining the applicable legal regime, which in turn affects the validity of agreements and the continuity of collateral. Accordingly, this study underscores the urgency of formulating a normative regulatory framework for hybrid contracts that clearly defines their legal status, stipulates the legal consequences for both principal and accessory obligations, and ensures legal certainty and protection for the parties, particularly debtors.
Co-Authors Al-Anshori, Huzaimah Manfaluthi, Agus Nur Chasanah