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Pariyono, Bambang Agus
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Legal Protection Against Debiturs In Syariah Economic Cases Decision Skmht Number 723/Pdt.G/Pa Gtlo Pariyono, Bambang Agus; Radityo, Mochammad Erwin; Siti Nurhayati
Jurnal ISO: Jurnal Ilmu Sosial, Politik dan Humaniora Vol. 4 No. 2 (2024): December
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/iso.v4i2.2135

Abstract

This journal discusses the legal issues related to the disbursement of financing facilities amounting to Rp. 80,000,000,- by DEFENDANT I without any valid Mortgage Rights binding on SHM No. 34/Buladu, which resulted in the disbursement being considered invalid. Decision Number 723/PDT.G/2021/PA.Gtlo confirms that the deeds made do not meet the formal requirements and must be declared null and void by law. This study also highlights legal protection for debtors in the context of sharia economics, with a focus on fiduciary guarantees regulated in Law No. 42 of 1999. The case discussed involves the confiscation of fiduciary guarantee objects due to the debtor's default, as well as the importance of SKMHT (Power of Attorney to Charge Mortgage Rights) as a legal instrument to secure the creditor's position. This study uses normative legal methods and identifies the factors causing the debtor's default, as well as the correct procedures in issuing APHT (Deed of Granting Mortgage Rights). The results of the study indicate that there is abuse of conditions in the agreement and breach of promise by the debtor, and emphasize the importance of understanding the rights and obligations of debtors and creditors in debt agreements.
Analisis Diskresi Hakim dalam Mengintegrasikan Rekomendasi Penalaran Hukum Berbasis Kecerdasan Buatan (AI) di Pengadilan Niaga Harahap, Aswindari; Rahmayanti, Rahmayanti; Tiono, Rudi; Pariyono, Bambang Agus
Locus Journal of Academic Literature Review Vol 4 No 9 (2025): December
Publisher : LOCUS MEDIA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56128/ljoalr.v4i9.789

Abstract

Transformasi digital dalam sistem peradilan telah membuka ruang integrasi Kecerdasan Buatan (AI) sebagai alat bantu analisis hukum, termasuk dalam perkara niaga. Penelitian ini bertujuan menganalisis bagaimana Penalaran Hukum Komputasional (Computational Legal Reasoning/CLR) berfungsi sebagai alat prediktif dalam memetakan yurisprudensi serta bagaimana pengaruhnya terhadap diskresi hakim dalam penemuan hukum. Penelitian juga menilai risiko ketidakadilan prosedural dan ketergantungan yudisial apabila rekomendasi AI diterapkan tanpa kerangka etika dan tata kelola yang memadai. Metode yang digunakan adalah penelitian hukum normatif dengan pendekatan konseptual, perundang-undangan, dan komparatif. Hasil penelitian menunjukkan bahwa CLR mampu meningkatkan efisiensi dan konsistensi analisis yurisprudensi, tetapi tidak dapat menggantikan pertimbangan moral dan intuisi hukum hakim. Integrasi AI membawa potensi bias algoritmik, black-box injustice, dan automation bias yang dapat mengancam independensi hakim. Oleh karena itu, diperlukan mekanisme mitigasi berupa Explainable AI (XAI), etika penalaran hukum, audit algoritmik, dan pedoman AI Governance oleh Mahkamah Agung. Kesimpulannya, AI hanya dapat ditempatkan sebagai decision support system, sementara penentuan putusan tetap menjadi domain eksklusif hakim.
Co-Authors Harahap, Aswindari MOCHAMMAD ERWIN RADITYO, MOCHAMMAD ERWIN Rahmayanti Rahmayanti Siti Nurhayati Tiono, Rudi