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All Journal Account : Jurnal Akuntansi, Keuangan dan Perbankan Harmoni Sosial : Jurnal Pengabdian Dan Solidaritas Masyarakat
Rachmat Arnanda
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Economics, Econometrics & Finance Education Social Sciences Other

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Analisis Terhadap Risiko Hukum Pemberian Kredit Perbankan dengan Jaminan Personal Guarantee tanpa Penyertaan Agunan Fixed Asset Rachmat Arnanda; Dhea Tisane Ardhan; Ratna Khoirunnisa
Account : Jurnal Akuntansi, Keuangan dan Perbankan Vol. 10 No. 1 (2023): EDISI JUNI 2023
Publisher : Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/account.v10i1.5574

Abstract

Banking institution becomes the main pillar in the implementation of state development activities, therefore the provision of bank credit must pay attention to the risks that will arise, but not only limited to legal risks. Provision of bank credit must be accompanied by the provision of guarantees to carry out security from a legal perspective .In addition to asking for guarantees from customers, bank must also look at the collateral priority scale that will be the guarantee. By making fixed asset collateral as the main scale in granting credit, it is a good first step to mitigate risks, because if the customer defaults on the promise (wanprestasi), the bank gets a reimbursement from the sale (auction) of the collateral goods. However, if the bank makes individual collateral as the main collateral without the inclusion of fixed asset collateral, then the level of risk of granting credit is very high at the time the customer defaults on the promise, so the execution process cannot be instantaneous through the sale (auction) considering that individual collateral does not have a special position. The execution of individual collateral can only be done if there is a court decision with permanent legal force. This research will be presented by the author in normative form. Keywords: Law Risk, Financing, Personal Guarantee, Fixed Asset
Penyuluhan Pentingnya Sertifikasi HKI pada Industri UMKM di RW 04 Kelurahan Pondok Rajeg, Kecamatan Cibinong, Kabupaten Bogor Rachmat Arnanda; Saidatuningtyas, Ifa; Ardhan, Dhea Tisane; Khoirunnisa, Ratna
Harmoni Sosial : Jurnal Pengabdian dan Solidaritas Masyarakat Vol. 3 No. 1 (2026): Januari: Harmoni Sosial : Jurnal Pengabdian dan Solidaritas Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/harmoni.v3i1.2804

Abstract

This community service program aims to enhance the understanding and awareness of Micro, Small, and Medium Enterprises (MSMEs) regarding the importance of Intellectual Property Rights (IPR) certification as a form of legal protection and a means to improve business competitiveness. The activity was conducted in RW 04, Pondok Rajeg Village, Cibinong District, Bogor Regency, targeting local MSME actors. The program employed a Community Based Research (CBR) approach, emphasizing active community participation through problem analysis, target assessment, program development, and implementation stages. The main activity consisted of counseling sessions covering the concept of IPR, types of IPR, benefits of ownership, and online registration procedures through the Directorate General of Intellectual Property (DGIP). Evaluation was carried out using pre- and post-activity questionnaires. The results indicate that although all participants recognized the importance of IPR protection, their initial level of understanding was relatively low. Following the counseling session, there was a significant improvement in participants’ knowledge of IPR types and registration procedures. This program is expected to encourage MSMEs to register their intellectual property to protect innovation and enhance sustainable business competitiveness.
Co-Authors Ardhan, Dhea Tisane Dhea Tisane Ardhan RATNA KHOIRUNNISA Ratna Khoirunnisa Saidatuningtyas, Ifa