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All Journal Jurnal Hukum Progresif Lentera Hukum Jurnal Yuridis Journal of Business, Social and Technology
Marbun, Bachtiar
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Economics, Econometrics & Finance Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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The Interplay of Banking Development and Legal Reforms Marbun, Bachtiar; Santoso, Budi; Yunanto, Yunanto
Lentera Hukum Vol 11 No 2 (2024): LENTERA HUKUM
Publisher : University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejlh.v11i2.47722

Abstract

The enforcement of mortgage rights plays a pivotal role in ensuring economic stability and protecting citizens' financial interests. Within the broader context of economic governance, the banking sector acts as a fundamental pillar, driving economic growth and safeguarding financial certainty. This study examines the regulatory framework governing the enforcement of mortgage rights in Indonesia, emphasizing its impact on financial security and the reduction of Non-Performing Loans (NPL). Through a normative juridical approach, this research analyzes the existing legal provisions in Indonesia and explores avenues for enhancing the mortgage enforcement process. In addition to legal analysis, philosophical discourse is employed to understand the practical challenges in enforcing mortgage rights. A comparative approach focuses on the Indian legal system, where mortgage rights can be executed without court intervention. India’s approach has effectively reduced Non-Performing Assets (NPA), offering valuable insights into Indonesia’s legal reform efforts. The study suggests adopting a comparable framework in Indonesia could streamline mortgage enforcement procedures, reduce litigation, and enhance financial stability. This research aims to contribute to Indonesia’s broader economic management and governance strategies by proposing legal reforms and promoting a more efficient, competitive, financial security, and equitable financial system.KEYWORDS: Legal Reform, Banking, Morgage Rights, Indonesia, India.
KEDUDUKAN PEMERINTAH DALAM SISTEM PENGEMBANGAN E-COMMERCE DARI SEGI KEPERDATAAN BERDASARKAN ASAS KEPASTIAN HUKUM Marbun, Bachtiar; Santoso, Budi; Yunanto, Yunanto
Jurnal Hukum Progresif Vol 12, No 2 (2024): Oktober 2024
Publisher : Doctoral of Law Program, Faculty of Law, Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jhp.12.2.94-108

Abstract

Penelitian ini bertujuan untuk menganalisa tentang kedudukan pemerintah dalam sistem pengembangan e-commerce dengan memberikan kepastian hukum dalam pengembangan e-commerce dan menciptakan perspektif sipil untuk mengembangkan sistem dari segi keperdataan berdasarkan asas kepastian hukum. Metode yang digunakan adalah yuridis normative dengan menggunakan tiga jenis bahan hukum: bahan primer, sekunder dan tersier. Pengumpulan data dengan menganalisis bahan-bahan yang digunakan di perpustakaan, menggunakan metode kualitatif deskriptif. Hasil penelitian menunjukkan bahwa dari segi keperdataan, peran pemerintah dalam pengembangan sistem e-commerce didasarkan pada asas kepastian hukum yang diatur pada edisi ke-7 dengan Kode Dagang 2014. Peraturan E-Commerce memberikan pemahaman yang jelas tentang Sistem Transaksi Elektronik (PMSE).
PRINSIP KEADILAN DALAM PENEGAKAN HAK TANGGUNGAN MENURUT SISTEM HUKUM INDONESIA Marbun, Bachtiar; Santoso, Budi; Yunanto, Yunanto
Jurnal Yuridis Vol 10 No 2 (2023): Jurnal Yuridis
Publisher : Fakultas Hukum Universitas Pembangunan Nasional "Veteran" Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35586/jyur.v10i2.6776

Abstract

Penggunaan hak tanggungan dimulai dengan pemegang hak tanggungan yang memiliki otoritas untuk mengatur proses tersebut secara langsung, tanpa perlu melibatkan lembaga hukum. Artinya, pemegang hak tanggungan dapat melaksanakan lelang hak tanggungan tanpa campur tangan majelis hukum. Penelitian ini berfokus pada prinsip keadilan dalam penegakan hak tanggungan di sistem hukum Indonesia, dengan fokus pada pelaksanaan jaminan hipotek. Dalam konteks ini, ditekankan bahwa ekuitas memandang hak debitur sebagai kewajiban kreditur dan sebaliknya, memungkinkan keduanya untuk menerima bagian yang adil. Prinsip keadilan ini sejalan dengan nilai-nilai Pancasila yang menegaskan hak setiap individu untuk hidup layak, bekerja, dan memperoleh penghasilan. Meskipun prinsip ini mendasari hukum Indonesia, terdapat kekosongan hukum yang dapat mengakibatkan ketidakadilan dalam pelaksanaan jaminan hipotek. Oleh karena itu, disarankan agar pemerintah memperbarui atau mengubah Undang-Undang Hak Tanggungan untuk memastikan perlindungan hukum yang lebih baik bagi debitur dan kreditur, sehingga pelaksanaan hak tanggungan dapat mencerminkan prinsip keadilan dan pemerataan.
The Single Presence Policy for Rural Banks Marbun, Bachtiar
Journal of Business, Social and Technology Vol. 7 No. 2 (2026): Journal of Business, Social and Technology
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jbt.v7i2.621

Abstract

Background: Indonesian banking regulation has undergone significant structural transformation with the enactment of OJK Regulation No. 12/POJK.03/2020. This regulatory shift raises critical legal questions about its implications for Rural Bank institutions. Objective: This research aims to understand and examine the single presence policy for Rural Banks, which is predicted to be implemented, and to determine the consequences of the single presence policy regulation after the issuance of the Commercial Bank Consolidation POJK. Methods: The research methods applied include qualitative research with normative legal methods, employing statute and conceptual approaches to analyze primary legal materials, including Bank Indonesia Regulations, OJK Regulations, and the P2SK Law (Law No. 4/2023). Results: The single presence policy for Rural Banks is predicted to be implemented with the aim of increasing banking stability, resilience, and competitiveness at the national level, as well as facilitating digital revitalization in the financial industry. Regarding the harmonization of bank control regulations through controlling shareholders, the Commercial Bank Consolidation POJK also regulates changes related to the minimum capital requirements for bank tier thresholds. The current core capital requirements are as regulated in Article 147, paragraph (1) of the Republic of Indonesia Financial Services Authority Regulation Number 12/POJK.03/2021 concerning Commercial Banks, which are grouped into 4 (four) KBMI. Conclusion: The emergence of the single presence policy is unsuitable and irrelevant for banking, especially for BPR, considering that the history of the formation of BPR, which aimed to help people in rural areas, is contrary to the single presence policy.
Co-Authors ary yunanto Dwi Budi Santoso