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All Journal Ahkam: Jurnal Ilmu Syariah INTERNATIONAL JOURNAL ON LANGUAGE, RESEARCH AND EDUCATION STUDIES Jurnal Ilmiah Universitas Batanghari Jambi Jurnal Penelitian Medan Agama YUSTISI Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Widya Balina :Jurnal Ilmu Pendidikan dan Ekonomi Jurnal Justitia : Jurnal Ilmu Hukum dan Humaniora Pena Justisia: Media Komunikasi dan Kajian Hukum Jurnal Pendidikan dan Konseling As-Syar'i : Jurnal Bimbingan & Konseling Keluarga SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Yustisi: Jurnal Hukum dan Hukum Islam JURNAL RECTUM: Tinjauan Yuridis Penanganan Tindak Pidana Lentera:Indonesian Journal of Multidisciplinary Islamic Studies Law Development Journal International Journal of Humanities Education and Social Sciences Journal of Law, Poliitic and Humanities Aurelia: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia QANUN: Journal of Islamic Laws and Studies Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora (JURRISH) Jurnal Nirta: Studi Inovasi Jurnal CENDIKIA ISNU ISNU Nine-Star Multidisciplinary Journal (INS9MJ) Jurnal Cendikia ISNU SU
Arifuddin Muda Harahap
Universitas Islam Negeri Sumatera Utara
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Implementation Of Buy Back Guarantee By The Bank Against The Developer As A Guarantee For Completion Bad Credit Problems Mochammad Erwin Radityo; Asmuni Asmuni; Arifuddin Muda Harahap
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 2 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i2.4855

Abstract

Purchase Back Guarantee is an agreement made by the bank and developer to provide collateral for the mortgage to the developer. Article 8 Paragraph (1) of Law Number 7 of 1992 concerning Banking as Amended by Law Number 10 of 1998 (Banking Law) stipulates that bank credit distribution must be based on confidence in the debtor, which in the provisions explaining this confidence refers to the existence of credit guarantee. In addition, Article 11 of the Banking Law regulates the provisions for providing guarantees by Bank Indonesia. However, these articles do not further regulate the collateral that can be provided for bank credit. This shows that this regulation is still rigid and many problems arise due to the implementation and execution of the Buy Back Guarantee. The aim of this study is to examine and analyze the validity of the implementation of the Buy Back Guarantee and efforts to resolve disputes. This study uses normative legal research methods with a legislative and decision approach. The study results show that the implementation of the Buy Back Guarantee is valid if it is carried out in accordance with applicable regulations and the agreements made relating to the implementation of the Buy Back Guarantee are valid and made before a Notary. Dispute resolution can be done through litigation and non-litigation. Litigation can be taken through the courts, and non-litigation can be done through Alternative Dispute Resolution, namely arbitration, negotiation or mediation. 
Reconstruction of Legal Aid Norms in the New Criminal Procedure Code: From the Limits of Criminal Threats to Needs-Based Protection and Sharia Maqasid Muhammad Sopyan; Ansari Ansari; Arifuddin Muda Harahap
Law Development Journal Vol 8, No 3 (2026): September 2026
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ldj.8.3.1001-1018

Abstract

The reform of criminal procedural law through Law Number 20 of 2025 on the Criminal Procedure Code strengthens the recognition of the right to legal aid but does not fully guarantee effective protection for suspects or defendants who cannot afford legal representation. The main problems concern unclear standards of indigency, the appointment of legal assistance from the initial stage of examination, the quality of assistance, and the legal consequences of violations. This study aims to reconstruct the legal aid provisions in the new Criminal Procedure Code based on defense needs and human rights protection through the perspective of Maqasid Sharia. This normative juridical study employs statutory, conceptual, and philosophical approaches by examining the new Criminal Procedure Code and the theories of Maqasid Sharia, substantive justice, and access to justice. The findings indicate that legal aid should shift from a criminal-threat-based paradigm to a defense-needs-based paradigm grounded in indigency and the actual need for legal assistance. Article 154 should serve as the principal provision guaranteeing legal aid from the beginning of examination regardless of the criminal penalty, while provisions concerning serious offenses should function as an additional safeguard. The reconstruction should also establish the State’s active obligation, factual and inclusive indigency standards, effective legal assistance standards, and legal consequences for violations. In conclusion, legal aid must be positioned as an active State obligation and an integral element of legitimate criminal proceedings. A Maqasid Sharia-based reconstruction is recommended to protect life, intellect, property, and dignity while strengthening substantive justice and access to justice.
Co-Authors Abdul Rahman Abdul Rahman Adella Iragil Sofianti Ahmad Senang Ahmad Senang Ahmad Yasin Dongoran Akhir Nazli Khatami Alda Widara Amalia Az-Zahra Annisa Iswari Harahap Ansari Ansari Aqliyah Hafifah Elsura Asmuni Asmuni Budi Sastra Panjaitan Calvin Cindy Aryanti Darmawan Darmawan Dhiauddin Tanjung Dimas Ari Syahputra Dini Rizki Marshanda Diva Ariza Kesuma Eka Putra Zakran Elza Armaini Emma Andini Fahri Fahrozi Faiz Azhar Lubis Faullian Bagus Putra Fauzi Masfa Rizky, Fauziyah Nur Fadillah Fhitrysya Hariyanti Hanafi Urwatil Usqo Harahap, Safinatul Hasanah Heri Siswan Herianto Herianto Ibnu Fauzi Bangun Indah Maya Sari Ritonga Irgi Fahreza Chandra Kahyun Irgi Ramadhan Khairatuna Anisa Khairuddin Hasibuan Khairunnisa Siregar M. Akbar Hanafi Lubis M. Harmansyah Hsb M. Jahid Attamamy Harahap M. Rafly M.Fikri Haekal Masyhurul Fauzi Mhd Yadi Harahap Mhd. Yadi Harahap Mirza Nasution MOCHAMMAD ERWIN RADITYO Muhammad Fajri Rizki Muhammad Hafizsyah Muhammad Ramadhan Muhammad Sopyan Muhammad Sopyan Nadia Ramadani Nasution, Liantha Adam Niki Marjuki Nur Aisyah Pebri Anto Purba Pipi Nur Leli Rahmad Daffa Raja Muda Pahlevi Siregar Ramadhan Anshory Ramadhan Syahmedi Ramadhan Syahmedi Siregar Reda Eriska Rika Rahayu Rizky Olivia Kartina Harahap Rya Sayekti Safira Prima Indira Sahril Amin Lubis Salsabilla Asri Selmaria Purba Siti Aisyah Pohan Siti Nur Azizah Sofwan Tambunan Solehah Dhara Adha Sianipar Sri Atmadianti Suaib Lubis Suci Hidayati Malau surya, maya Swity Milen Syaiful Asmi Hasibuan, Syaiful Asmi Syarifah Hannum Tiara Fitriani Twina Resia Vita Aliyana WS Watni Mapaung Watni Marpaung Yowana Atika Zulpahmi Lubi Zulpahmi Lubis