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All Journal Awang Long Law Review Jurnal Hukum Lex Generalis
Herman Brahmana
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Law, Crime, Criminology & Criminal Justice

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LEGAL PROTECTION FOR CREDITORS AGAINST DEBTORS IN DEFAULT PEER TO PEER LENDING AGREEMENT Marbun, Alvon; Anggi Fitria Nainggolan; Alif Al-Azis Nurullah; Gretta Pertiwi Br; Herman Brahmana; Agus Irawan
Awang Long Law Review Vol. 6 No. 2 (2024): Awang Long Law Review
Publisher : Sekolah Tinggi Ilmu Hukum Awang Long

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56301/awl.v6i2.1086

Abstract

The purpose of this research is to determine the validity of the Civil Code perspective on peer to peer lending agreements and to determine the factors that hinder creditor returns and the role of the OJK in protecting creditors. This research uses normative juridical methods, namely obtained from library materials and related literature such as books, journals and so on. Peer to peer lending agreements made using an electronic system are basically valid because they fulfill the 4 requirements in Article 1320 of the Civil Code. There are several factors that hinder returns and creditors, namely, individual characteristics, business, credit, internal and external factors. OJK's role in protecting lenders in peer to peer lending agreements, OJK provides sanctions to organizers for losses from fund owners due to errors and negligence in cases where there is a lack of transparency, not acting fairly, not being reliable, not maintaining data confidentiality and security.
LEGAL PROTECTION FOR CREDITORS AGAINST DEBTORS IN DEFAULT PEER TO PEER LENDING AGREEMENT Marbun, Alvon; Anggi Fitria Nainggolan; Alif Al-Azis Nurullah; Gretta Pertiwi Br; Herman Brahmana; Agus Irawan
Awang Long Law Review Vol. 6 No. 2 (2024): Awang Long Law Review
Publisher : Sekolah Tinggi Ilmu Hukum Awang Long

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56301/awl.v6i2.1086

Abstract

The purpose of this research is to determine the validity of the Civil Code perspective on peer to peer lending agreements and to determine the factors that hinder creditor returns and the role of the OJK in protecting creditors. This research uses normative juridical methods, namely obtained from library materials and related literature such as books, journals and so on. Peer to peer lending agreements made using an electronic system are basically valid because they fulfill the 4 requirements in Article 1320 of the Civil Code. There are several factors that hinder returns and creditors, namely, individual characteristics, business, credit, internal and external factors. OJK's role in protecting lenders in peer to peer lending agreements, OJK provides sanctions to organizers for losses from fund owners due to errors and negligence in cases where there is a lack of transparency, not acting fairly, not being reliable, not maintaining data confidentiality and security.
Tanggung Jawab Notaris dalam Penerbitan Covernote atas Permintaan PT Bank Perkreditan Rakyat (BPR) NBP-15 Berastagi Chatey Margaretha br Singarimbun; Grace Angel Imanuela Sihombing; Debora Irniyesha Manalu; Herman Brahmana
Jurnal Hukum Lex Generalis Vol 7 No 4 (2026): Tema Hukum Perdata dan Kenotariatan
Publisher : Himpunan Ilmu Hukum dan Ilmu Hukum Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56370/jhlg.v7i4.3217

Abstract

This study analyzes the responsibility of Notaries in issuing Covernotes at the request of PT Bank Perkreditan Rakyat NBP-15 Berastagi. A Covernote is a temporary statement arising from banking practice, although not explicitly regulated in the Notary Office Act and not an authentic deed. This empirical juridical research shows that a Covernote only serves as an administrative and moral guarantee without perfect evidentiary power. A Notary's liability may arise in administrative, civil, or criminal spheres if negligence or intentional misconduct causing losses is proven. Notaries must apply the prudential principle when issuing them to avoid legal risks.
Co-Authors Agus Irawan Alif Al-Azis Nurullah Anggi Fitria Nainggolan Chatey Margaretha br Singarimbun Debora Irniyesha Manalu Grace Angel Imanuela Sihombing Gretta Pertiwi Br Marbun, Alvon