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All Journal Arena Hukum Jurnal Media Hukum Recital Review Martabe : Jurnal Pengabdian Kepada Masyarakat JOURNAL OF PRIVATE AND COMMERCIAL LAW JISIP: Jurnal Ilmu Sosial dan Pendidikan Jurnal Simbur Cahaya Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi (JIMAT UMMI) Jurnal Kompilasi Hukum Jurnal Pendidikan dan Pembelajaran Indonesia (JPPI) Riset, Ekonomi, Akuntansi dan Perpajakan (REKAN) Universitas Muhammadiyah Yogyakarta Undergraduate Conference Proceeding Jurnal Dedikasi Hukum Borobudur Journal on Legal Services INFOTIKA: Jurnal Pendidikan Informatika EKSYDA: Jurnal Studi Ekonomi Syariah Jurnal Riset Mahasiswa Akuntansi Media of Law and Sharia Prosiding International Conference on Sustainable Innovation (ICoSI) Income : Digital Business Journal
Reni Anggriani, Reni
Fakultas Hukum, Universitas Muhammadiyah Yogyakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Journal : Jurnal Simbur Cahaya

 1 
Fiduciary Guarantee in Banking Transactions: Positive Law and Sharia Law Perspective Anggriani, Reni; Riyanto, Aisyah Ajeng Putri; Asela, Cyabriena
Simbur Cahaya Volume 30 Nomor 2, Desember 2023
Publisher : Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28946/sc.v30i2.3068

Abstract

The process of transferring rights from the debtor to the creditor is solely based on trust. Fiduciary guarantees are a public need to apply guarantee law as a defense. on the implementation of consumer financing agreement agreements. Consumer agreements that are not accompanied by additional agreements result in the imposition of guarantees using general guarantees, so that the rights from material guarantees do not apply to him. This article aims to analyze the position and implementation of fiduciary guarantees in banking transactions from the perspective of positive and sharia law. The article uses normative legal research methods using statutory approaches and qualitative approaches. Article 1132 of the Civil Code finds that fiduciary guarantees in a positive legal perspective empower creditors to ask for compensation from the debtor by taking ownership of the promised guarantee and can be implemented directly without waiting for a court decision. While in the perspective of sharia law the term fiduciary guarantee is not recognized, in practice Islamic banks adopt the concept of fiduciary guarantee by using the term "rahn" which means that fiduciary guarantees enter into the collateral object and remain the property of the debtor and the creditor has the right of responsibility over the object as debt repayment guarantee words separated by.
Legal Analysis of the Use of Personal Identity as Guarantee in Online Loans Anggriani, Reni; Raqi, Muhammad; Salma, Balqis
Simbur Cahaya Volume 32 Nomor 1, Juni 2025
Publisher : Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28946/sc.v32i1.3925

Abstract

In the developing digital era, the practice of online lending has become a new thing among the public due to its ease and quick access. The use of ID cards as collateral in online lending has become an interesting topic in the legal context. This research aims to analyze whether ID cards can be categorized as documents that can be used as collateral. The research method used is a normative analysis of laws and regulations and other rules that can be used as a legal basis. Because basically ktp is a population document that functions as a means of identifying a person, not as proof of property ownership. However, in practice, personal identity/KTP is sometimes used as one of the requirements for obtaining online loans. This is done to verify the borrower's identity and minimize the risk of fraud. The analysis highlights various legal issues related to the use of ID as collateral in online lending, including aspects of consumer protection, contract validity, and legal liability in cases of identity misuse. This research provides a deep insight into the legal framework governing this practice as well as the challenges faced in law enforcement and consumer protection in the digital age.
Co-Authors Adam Putra Hidayat, Mohamad Agustiningsih, Wulandari Alfadhila, Dinda Ariatami Edwina, Yossica Arif Rahman Hakim Asela, Cyabriena Biana Adha Inapty Biana Adha Inapty, Biana Adha Chairi, Ahmad Ramdani Destiarany, Regina Elita Maydasari, Elita Evi Martaseli Fadilla, Firdha Ikhsania Fauziah, Nafiza Hairunisa Hairunisa, Hairunisa Ismet Ismatullah Isniyati, Qodriyah Joko Suryono, Leli Laksono, Fajar Galuh M. Nasuhi Muslimin Muslimin Nur Aini Nurmilah, Risma Prihati Yuniarlin, Prihati Rahayu, Saras Tri Ramadhani, Nisfi Ramdhani, Lisda Raqi, Muhammad Rasmi, Audra Diana binti Rinaldi Rinaldi Risqullah, Arya Razan Riyanto, Aisyah Ajeng Putri Sabila, Vina Salma, Balqis Salmin Tina Kartini Venita Sofiani Yordan Gunawan Yuandari, Enti Purnika Yusmiastuti, Tsaniya Zandra, Ayura Monica