Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Bengkoelen Justice : Jurnal Ilmu Hukum Jurnal Hukum dan Pendidikan Kewarganegaraan
Hafidza Zia
Universitas Bengkulu
Law, Crime, Criminology & Criminal Justice

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
COVID-19 PANDEMIC AS THE REASON FOR FORCE MAJEURE IN MOTOR VEHICLES CONSUMER FINANCING AGREEMENTS (STUDY AT PT SUMMIT OTO FINANCE BENGKULU BRANCH) Hafidza Zia; Candra Irawan; Tito Sofyan
Bengkoelen Justice : Jurnal Ilmu Hukum Vol. 12 No. 2 (2022)
Publisher : Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/jbengkoelenjust.v12i2.25044

Abstract

As an emergency, the COVID-19 pandemic is also known as a force majeure in civil law, therefore it could be one of the reasons for the postponement until the cancellation of the current agreement. Therefore, the Financial Services Authority as the institution authorized to regulate financial service activities stipulates OJK Regulation Number 14/POJK.05/2020 concerning Countercyclical Policy on the spreading impact of the 2019 Coronavirus Disease for Non-Bank Financial Services Institutions to optimize leasing business activities through financing restructuring. This thesis was completed through empirical research. This study aimed to describe and analyze the implementation of credit restructuring by PT. Summit OTO Bengkulu Branch to resolve late installment payments due to Force Majeure due to the impact of COVID-19, as well as to comprehend and know legal settlements related to delays in the implementation of motor vehicle installment payments at PT. Summit OTO of Bengkulu Branch due to COVID-19.The results of the research and discussion explain that the legal consequence of the spread of COVID-19 as a Force Majeure relative to the financing agreement is that the debtor must still fulfill his obligations/achievements to the debtor after COVID-19 ends. In its implementation, debtors are given credit relief through restructuring in accordance with the form of restructuring issued by leasing in the form of lowering interest rates, extending time, reducing principal arrears, reducing interest arrears, and other forms according to the verification and analysis of the Leasing party on debtors affected by COVID-19. Implementation of financing restructuring in PT. Summit OTO Bengkulu Branch until July 2021 has been realized as much as431 (four hundred and thirty-one) contracts financing. Restructuring of financing is carried out by extending the term of the agreement, delaying part of the payment of motor vehicle installments, and reducing the principal arrears during the period of restructuring of the financing.
Peran Biro Hukum Sekretariat Daerah Provinsi Bengkulu Dalam Proses Pembentukan Peraturan Daerah (Perda) Dengan Merujuk Pada Peraturan Gubernur Bengkulu Nomor 21 Tahun 2024 Tentang Kedudukan, Susunan Organisasi, Tugas Dan Fungsi Serta Tata Kerja Perangkat Sumayah Fitri Yana; Almira Rahma Harningtyas; Alya Rahmadella; Hafidza Zia
Jurnal Kajian Hukum dan Pendidikan Kewarganegaraan Vol. 2 No. 1 (2025): Oktober - Desember
Publisher : GLOBAL SCIENTS PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study examines in depth the role of the Legal Bureau of the Regional Secretariat of Bengkulu Province in the process of drafting Regional Regulations (Perda), referring to Bengkulu Governor Regulation Number 21 of 2024 concerning the Position, Organizational Structure, Duties and Functions, and Work Procedures of Regional Apparatus. This governor regulation provides a legal basis for the authority of the Legal Bureau as an implementing element of governmental affairs that holds strategic functions in planning, drafting, harmonizing, supervising, and documenting regional legal products. Using a normative–qualitative research method with statutory, conceptual, and documentation approaches, this study comprehensively analyzes the role of the Legal Bureau at each stage of Perda formation, starting from the formulation of the Regional Legislation Program (Prolegda), facilitation of academic paper preparation and draft regional regulations, implementation of horizontal and vertical harmonization, assistance in joint discussions with the Regional House of Representatives (DPRD), to the stages of promulgation, numbering, and documentation through the Regional Legal Documentation and Information Network (JDIH). The findings indicate that the Legal Bureau plays a highly decisive role in ensuring the quality of regional regulations, particularly by ensuring the conformity of draft regional regulations with the principles of statutory drafting and their consistency with national regulations. Nevertheless, several challenges—such as limited human resources with expertise in legislative drafting, suboptimal cross-agency coordination, and the workload associated with managing the JDIH—continue to hinder the effective execution of its functions. These findings emphasize the importance of institutional strengthening, capacity building for government personnel, and the development of digital systems to support the Legal Bureau’s effectiveness in the future.
Co-Authors Almira Rahma Harningtyas Alya Rahmadella Candra Irawan Sumayah Fitri Yana Tito Sofyan