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All Journal Pandecta Jurnal Hukum Novelty Perspektif : Kajian Masalah Hukum dan Pembangunan Pembaharuan Hukum Jurnal Privat Law Privat Law Pena Justisia: Media Komunikasi dan Kajian Hukum Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences MAQASIDI Journal of Central Banking Law and Institutions International Journal of Law, Policy and Governance Jurnal Medika: Medika
Dona Budi Kharisma, Dona Budi
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Legal Certainty for Debtors in the Collateral Takeover Mechanism at Rural Banks Dera Antika Kumalasari; Suraji, Suraji; Kharisma, Dona Budi
MAQASIDI: Jurnal Syariah dan Hukum Vol. 4, No. 2 (Desember 2024)
Publisher : MAQASIDI: Jurnal Syariah dan Hukum published by the Islamic Criminal Law Program of the Sharia and Islamic Economics Department at the Sekolah Tinggi Agama Islam Negeri Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/maqasidi.v4i2.3589

Abstract

Bad loans are a serious problem in the banking sector, not only harming financial institutions but also impacting the economic conditions of debtors. This study aims to evaluate the implementation of the Collateral Takeover mechanism in resolving bad loans at Rural banks. The method used is empirical, based on field observations and regulatory analysis, as well as legal literature. The results of the study indicate that the Collateral Takeover mechanism includes several stages, starting from identifying problem loans, taking over assets, assessing, selling, to recording in financial statements with settlement within an uncertain deadline. Existing regulations including Financial Services Authority Regulation Number 1 of 2024 concerning the Asset Quality of Rural banks have not provided legal certainty to debtors, especially regarding the time period for resolving Collateral Takeover. Challenges in implementing Collateral Takeover include unclear regulations, lack of creditor participation in auctions, high legal costs, and minimal education and access to legal assistance for debtors. These obstacles hinder debtors from obtaining legal certainty.
Consumer Legal Protection Against Developer Defaults in Binding Agreements for the Sale and Purchase of Flats Rabiatun Ramadani, Faizzah; Suraji, Suraji; Kharisma, Dona Budi
MAQASIDI: Jurnal Syariah dan Hukum Vol. 4, No. 2 (Desember 2024)
Publisher : MAQASIDI: Jurnal Syariah dan Hukum published by the Islamic Criminal Law Program of the Sharia and Islamic Economics Department at the Sekolah Tinggi Agama Islam Negeri Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/maqasidi.v4i2.4231

Abstract

This study discusses consumer legal protection against developer defaults in the binding agreement for the sale and purchase of flats (PPJB). The increase in housing development, especially through the pre-project selling system, often harms consumers due to uncertainty and default from developers. The research method used is a literature study, with a legal approach and a case approach. Analysis was carried out on Decision Number 91/PDT/2018/PT. Jakarta to assess the legal protection provided to consumers. The results of the study show that regulations, including Law Number 11 of 2011 concerning Flats, provide a strong legal basis for consumers to demand their rights. Consistent law enforcement in default cases creates a precedent that strengthens the position of consumers, increases public trust in the legal system, and creates a conducive environment for flats buying and selling transactions.
Co-Authors Adi Sulistiyono Agus Yudha Hernoko Albertus Sentot Sudarwanto, Albertus Sentot Alethea Majid, Alisha Vinia Arief Suryono Assidiqi, Imam Dzaki Hidayad Choiroel Anam Clevalda, Damasha Khoiri Dera Antika Kumalasari Diana Tantri Cahyaningsih Erna Yuliandari Febrianty, Alifia Della Hanifah, Rokhmatun Hendri N, Muhammad Jamal Wiwoho Mafaza, Ahmad Yunan Salsabilla Muhammad Azmi, Muhammad Muhammad Rivai Prawitra Thalib Prayoga, Gadang Putri, Salsabila Adinda Rabiatun Ramadani, Faizzah Rana, Digvijay Singh Sabrina, Ruhil Anadiah Saptanti, Noor suraji suraji Tuhana Tuhana Wardhono, Dwi Tjahja K. Waspada, R. Jangkung Surya Yudho Taruno Muryanto