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All Journal Journal of Humanities Education Management Accounting and Transportation Journal of Health Education Law Information and Humanities
Pakpahan, Joel Fredly
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Humanities Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Transportation

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Efforts to Resolve Breach of Contract in Banking Credit Agreements (A Study of Decision No. 4/Pdt.G.S/2024/PN. Trt) Pakpahan, Joel Fredly; Debora, Debora
Journal of Humanities Education Management Accounting and Transportation Vol 2, No 1 (2025): Februari 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/hemat.v2i1.5203

Abstract

The granting of credit by banks to debtors is not solely based on trust but also adheres to the principle of prudence, taking into account the risks and feasibility of the debtor. One crucial step in credit agreements is the application of the 5C principles (Capacity, Capital, Character, Collateral, Condition), aimed at assessing the debtor's ability and suitability to fulfill their obligations. However, in the implementation of credit agreements, defaults or breaches of contract by debtors often occur, whether due to negligence, intentional actions, or force majeure. Defaults may include the debtor's inability to meet their debt obligations as agreed upon. To resolve this issue, two resolution pathways can be taken: litigation through the courts and non-litigation alternatives such as debt restructuring, rescheduling, and payment postponement. In court resolutions, simple lawsuit procedures are one of the methods used to handle default disputes efficiently. The case of default in the credit agreement between PT Bank Rakyat Indonesia and debtors Thamrin Simanjuntak and Riahta Sembiring illustrates the importance of the application of the principle of pacta sunt servanda in contractual agreements, where debtors are obligated to fulfill payment obligations as agreed. In cases of default, debtors are at risk of sanctions in the form of compensation in accordance with applicable legal provisions.
Perbandingan Hukum Penanaman Modal Asing di Negara Indonesia dan Vietnam (Undang-Undang No. 25 Tahun 2007 tentang Penanaman Modal dan Law No. 67/2014/QH13 on Investment) Sipahutar, Pitra Regina; Pakpahan, Joel Fredly; Ginting, Ekel Tuahta; Anggusti, Martono
Journal of Health Education Law Information and Humanities Vol 2, No 1 (2025): Februari 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/helium.v2i1.4824

Abstract

Artikel ini membahas perbandingan hukum penanaman modal asing di Indonesia dan Vietnam. Fokus utama penelitian ini adalah menganalisis bagaimana ketentuan hukum di Vietnam lebih mendukung penanam modal asing dibandingkan dengan ketentuan di Indonesia. Dengan menggunakan teori perbandingan hukum, penelitian ini bertujuan untuk mengidentifikasi persamaan dan perbedaan dalam hukum penanaman modal asing antara kedua negara. Objek penelitian difokuskan pada struktur sistem hukum dan ketentuan yang berlaku. Metode penelitian yang digunakan bersifat deskriptif dengan pendekatan perbandingan hukum mikro. Data yang dikumpulkan berupa data sekunder, dan analisis dilakukan secara kualitatif. Hasil penelitian menunjukkan bahwa Undang-Undang Penanaman Modal No. 25 Tahun 2007 (UUPM) di Indonesia dan UU Penanaman Modal No. 67/2014/QH13 di Vietnam memiliki persamaan dalam memberikan perlindungan hukum kepada investor asing serta manfaat bagi kesejahteraan rakyat. Namun, kedua undang-undang tersebut berbeda dalam beberapa aspek, seperti ruang lingkup aplikasi, jenis badan usaha, pengaturan tenaga kerja, bidang usaha investasi, dan institusi penanaman modal. Berdasarkan perbandingan ini, disarankan agar Indonesia melakukan pembaruan hukum penanaman modal untuk menciptakan sistem yang lebih terintegrasi, mempermudah proses perizinan, dan mendukung perusahaan asing yang ingin berinvestasi.
Co-Authors Anggusti, Martono Debora Debora Ginting, Ekel Tuahta Sipahutar, Pitra Regina