Ikhsan, Sy. Muhammad
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Legal Protection Of Savings And Loan Cooperatives Against Cooperative Members Committing Default Rochman, Auliya; Naridha, Alifah Nur Fitriana; Banjarnahor, David; Prayudha, Tengku Andrias; Ikhsan, Sy. Muhammad
JURNAL HUKUM SEHASEN Vol 11 No 1 (2025): April
Publisher : Fakultas Hukum Dehasen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jhs.v11i1.8203

Abstract

This study explores Savings and Loan Cooperatives' legal protection in dealing with cooperative member defaults and the legal basis for resolving default issues between cooperatives and their members in compliance with existing law. The research method utilised to analyse these issues is normative legal research utilising statutory and conceptual approaches. Our legal material collection method is a literature study. Analysis of legal materials is deductive. A main premise is needed for deductive reasoning. Next, a small premise. Two premises lead to a conclusion. As a result of the research, the Savings and Loan Cooperative cannot be separated from a binding agreement between the Savings and Loan Cooperative and its members in providing credit.where the preparation of the agreement must be clear and firm including the rights and obligations of both parties in detail, including the terms of loan repayment in the content of the clause of the agreement This is very important to prevent default and protect the interests of the Savings and Loan Cooperative and its members. Where as a basis, Article 1320 of the Civil Code and Article 1338 paragraph 1 of the Civil Code are further explained in 1321 of the Civil Code and Article 1243 of the Civil Code, where basically the Savings and Loan Cooperative uses anticipatory measures to ensure that the agreement between the Savings and Loan Cooperative and its members is made legally and without elements of legal defect in order to minimize the occurrence of default. For repressive measures of the Savings and Loan Cooperative (KSP) in Dealing with Cases of Default of Its Members, it can be explained in Articles 1239 of the Civil Code and 1243 of the Civil Code, which are further explained in Articles 1244, 1246 and 1247 of the Civil Code, the settlement of default disputes between Savings and Loan Cooperatives and their members is regulated in Articles 1234, Article 1313, Article 1238, Article 1236 and Article 1266 of the Civil Code which explain that in essence Savings and Loan Cooperatives have certainty law in.
TINJAUAN HUKUM TERHADAP PENGGUNAAN MOBIL PRIBADI UNTUK ANGKUTAN PENUMPANG DAN/ATAU BARANG DARI PONTIANAK KE SINGKAWANG Ismawartati, Ismawartati; Nuryanti, Aktris; Ikhsan, Sy. Muhammad; Banjarnahor, David
TANJUNGPURA LAW JOURNAL Vol 9, No 2 (2025): VOLUME 9 NUMBER 2, JULY 2025
Publisher : Faculty of Law, Universitas Tanjungpura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/tlj.v9i2.92602

Abstract

Abstract Transportation plays a crucial and strategic role in supporting national development. Although certain areas may be geographically isolated, an effective and efficient transportation system can overcome these challenges and support societal activities. With advancements in technology, design, and types of transportation, the demand for private vehicles, such as cars and motorcycles, has risen. However, the phenomenon of private cars being used for passenger and/or goods transportation without proper route permits or business licenses creates legal issues. This practice contradicts the provisions of Law No. 22 of 2009 on Traffic and Road Transportation, specifically Article 173, paragraph (1) letter b. This study aims to identify the factors that cause private vehicles to operate as public transport and to evaluate the role and efforts of the Pontianak Transportation Agency in monitoring and regulating private vehicles operating as public transport. A socio-legal approach was employed in this research. The findings indicate that the use of private cars as public transportation between Pontianak and Singkawang is prevalent, driven by factors such as limited job opportunities and economic needs. The Transportation Agency has conducted raids and enforcement, despite facing personnel shortages. Violators face sanctions, including warnings, administrative fines, or revocation of licenses, in accordance with applicable laws and regulations. Abstrak Transportasi sebagai sarana perhubungan memiliki peranan yang sangat penting dan strategis dalam mendukung pembangunan nasional. Meskipun suatu daerah mungkin terisolasi akibat letak geografisnya, sistem transportasi yang efektif dan efisien mampu mengatasi tantangan tersebut dan mendukung aktivitas masyarakat. Seiring dengan kemajuan teknologi, desain, serta jenis dan sarana transportasi, kebutuhan masyarakat akan kendaraan pribadi, seperti mobil dan motor, juga meningkat. Namun, fenomena penggunaan mobil pribadi untuk layanan angkutan penumpang dan/atau barang di luar trayek tanpa izin usaha dan trayek yang sah menimbulkan permasalahan hukum. Fenomena ini bertentangan dengan ketentuan dalam Undang-Undang Nomor 22 Tahun 2009 tentang Lalu Lintas dan Angkutan Jalan, khususnya Pasal 173 ayat (1) huruf b. Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang menyebabkan kendaraan pribadi beralih menjadi kendaraan umum serta untuk mengevaluasi peran dan upaya Dinas Perhubungan Kota Pontianak dalam mengawasi dan menertibkan kendaraan pribadi yang beroperasi sebagai angkutan umum. Metode yang digunakan dalam penelitian ini adalah pendekatan sosio-legal. Hasil penelitian menunjukkan bahwa fenomena mobil pribadi yang beroperasi sebagai angkutan umum marak terjadi di Kota Pontianak menuju Singkawang, yang disebabkan oleh berbagai faktor seperti terbatasnya lapangan pekerjaan dan kebutuhan ekonomi. Dinas Perhubungan telah melakukan razia dan penertiban meskipun menghadapi kendala kekurangan personel. Pelaku usaha yang melanggar akan dikenakan sanksi sesuai peraturan perundang-undangan, yang dapat berupa peringatan, denda administratif, atau pencabutan izin.