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Analisis Yuridis Perlindungan Hukum Terhadap Debitur dan Kreditur Atas Kredit Macet Dalam Suatu Perjanjian Kredit (Studi Penelitian di BPSK Kota Batam) Andriani, Tania Puji; Erniyanti, Erniyanti; Nurkhotijah, Siti; Fadlan, Fadlan; Prasetyasari, Christiani
Journal of Education Religion Humanities and Multidiciplinary Vol 1, No 2 (2023): Desember 2023
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jerumi.v1i2.1357

Abstract

Dalam konteks hukum perdata Indonesia, terdapat peraturan yang mengatur perlindungan hukum terhadap debitur, seperti Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan dan Undang-Undang Nomor 4 Tahun 1996 tentang Hak Tanggungan. Namun, implementasi peraturan tersebut masih menjadi tantangan dan perlu dikaji lebih lanjut. Sistem hukum mengatur hak dan kewajiban debitur yang mengalami kesulitan membayar kredit, serta melindungi mereka dari tindakan yang merugikan atau penarikan unit oleh kreditur. Permasalahan terkait hak dan kewajiban kreditur dalam kasus kredit macet juga menjadi bagian inti dari penelitian ini. Penelitian ini membahas tentang pengaturan hukum terhadap debitur dan kreditur atas kredit macet dalam suatu perjanjian kredit, dan implementasi faktor kendala dan solusi perlindungan hukum terhadap debitur dan kreditur atas kredit macet dalam suatu perjanjian kredit. Metode penelitian skripsi ini adalah yuridis normatif (legal reasearch) melalui studi kepustakaan dengan pendekatan yuridis empiris (yuridis sosiologis) melalui studiĀ  lapangan yang bertujuan memperoleh pengetahuan hukum secara empiris. Hasil penelitian menunjukkan bahwa Pengaturan hukum terhadap debitur dan kreditur atas kredit macet dalam suatu perjanjian kredit yaitu Pasal 4 huruf e Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen yang menyebutkan bahwa hak untuk mendapatkan advokasi, perlindungan, dan upaya penyelesaian sengketa perlindungan konsumen secara patut, debitur yang merasa dirugikan dapat melakukan laporan pengaduan melalui laman website yang telah diberikan oleh OJK dan AFPI, dan juga dapat melaporkan kepada pihak berwenang, namun kreditur berhak untuk mendapatkan pengembalian atau pembayaran kredit secara optimal jika debitur tidak memenuhi kewajibannya. Implementasi, faktor kendala, dan solusi terhadap debitur dan kreditur atas kredit macet dalam suatu perjanjian kredit, dapat disimpulkan bahwa permasalahan ini memiliki kompleksitas yang melibatkan aspek hukum, sosial, dan ekonomi. Implementasi hukum yang efisien, penanganan kredit macet yang cepat, serta perlindungan hak-hak debitur dan kreditur menjadi kunci dalam mengatasi kendala-kendala yang mungkin terjadi. Solusi yang berkelanjutan mencakup perubahan dalam sistem hukum yang mencerminkan nilai-nilai sosial dan kebutuhan masyarakat, penggunaan teknologi untuk meningkatkan efisiensi, edukasi hukum untuk masyarakat, dan kerja sama antara pihak terkait dalam menangani kredit macet. Penanganan kredit macet adalah isu multidimensi yang memerlukan pendekatan komprehensif untuk melindungi hak-hak individu dan menjaga stabilitas sektor keuangan. Disarankan kepada pemerintah atau pihak yang berwenang untuk merumuskan kebijakan atau regulasi yang tegas, kepada debitur dan kreditur agar dapat bernegosiasi dan memilih upaya perdamaian yang dapat disepakati.
Edukasi Kesadaran Hukum Pada Anak Sejak Usia Dini Erniyianti Erniyianti; Darwis Anatami
Jurnal Insan Pengabdian Indonesia Vol. 1 No. 4 (2023): Desember: Jurnal Insan Pengabdian Indonesia
Publisher : PT. ALHAFI BERKAH INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62007/jouipi.v1i4.122

Abstract

Legal awareness needs to be fostered in children, starting from the smallest things, so that children understand and are aware of the rules that apply. Children who understand the rules will avoid conflicts and will not deviate when they enter the community. Educational activities are carried out by informing children through concrete examples of violations of the law and the consequences of breaking the law. This activity is carried out at Al Jupri Orphanage Sekupang Batam. Juvenile delinquency is when children commit bad acts that are against the law. Punishing children for such acts can have a negative impact on their mental growth in the future. It can make them feel scared, worried, and have difficulty sleeping or eating. They may also feel anxious, cry or feel ashamed. This happens because of the criminal justice process, from pre-trial to trial.
Juridical Analysis Law Enforcement Of The Crime Of Theft By Minors To Realize Legal Certainty: Research Studies at Tanjung Pinang Resort Police Christhopher Theodore Nathanael; Darwis Anatami; Ramon Nofrial; Soerya Respationo; Erniyanti Erniyanti
International Journal of Social Science and Humanity Vol. 1 No. 3 (2024): September : International Journal of Social Science and Humanity
Publisher : Asosiasi Penelitian dan Pengajar Ilmu Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijss.v1i3.46

Abstract

Children are a mandate and a gift from God Almighty who has inherent dignity and worth as a whole human being and at the same time is the heir and shaper of the nation's future. The research method used is the Normative Juridical method with an Empirical Sociological approach. By using Primary and Secondary Data through interviews and observations. A part from that, the author uses secondary data through the library. As an analytical tool the author uses Grand Theory (Law enforcement theory) Middle Theory (Legal System Theory) and Applied Theory (Relative theory) This study aims to find out the legal arrangements for the crime of theft by minors to realize Legal certainty, to find out the implementation of law enforcement for the crime of theft by minors to realize Legal certainty and to find out the obstacles/obstacles and solutions in law enforcement of theft by minors to realize legal certainty. Legal Arrangements for the Crime of Theft by Children to Achieve Legal Certainty, Research Studies at Tanjung Pinang Resort Police are in accordance with the prevailing laws and regulations. Implementation of Law Enforcement for the Crime of Theft by Children To Realize Legal Certainty, Research Studies at the Tanjungpinang Resort Police have been going well but in fact, children are still found in the field who commit the Crime of Theft every year, it has increased, especially in the Tanjung Pinang, Archipelago, this is seen from the level of law enforcement factors against children who are in conflict with the law in Tanjung Pinang, for this reason, the performance of the TanjungPinang Police is needed to prevent the crime of theft committed by children
Analysis Of Forest And Land Fire Prevention And Law Enforcement Strategies In The Riau Islands In An Effort To Deal With Environmental Crises and Economic Losses: Research Study In Bintan Regency Edy Supandi; Parameshwara Parameshwara; Darwis Anatami; Erniyanti Erniyanti; Soerya Respationo
International Journal of Social Science and Humanity Vol. 1 No. 3 (2024): September : International Journal of Social Science and Humanity
Publisher : Asosiasi Penelitian dan Pengajar Ilmu Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijss.v1i3.47

Abstract

Forest and land fires are a serious problem that has a negative impact on the environment and the economy, especially in the Riau Islands region, including Bintan Regency. The background of this research is the high frequency of forest fires that cause ecosystem damage, air pollution, and significant economic losses. This study aims to analyze the forest and land fire prevention and law enforcement strategies that have been implemented and identify obstacles in their implementation. The research method used is qualitative with a case study approach. The data was collected through in-depth interviews with law enforcement officials, forestry officers, and local communities, as well as analysis of documents related to forest fires in Bintan over the past few years. In addition, questionnaires were also distributed to get a broader perspective on the effectiveness of existing strategies. The results of the study show that although there have been various prevention efforts such as routine patrols, socialization, and the installation of prohibition signs, the effectiveness is still not optimal. The main obstacles identified include limited resources, lack of community participation, difficulty in identifying perpetrators, hard-to-reach terrain, and pressure from certain parties. The lack of resources such as personnel and equipment, as well as the low level of public awareness and participation in forest fire prevention, are the main factors hindering the effectiveness of these strategies. In addition, pressure from landowners or influential parties often hinders firm and fair law enforcement. Suggestions for improving the effectiveness of prevention and enforcement strategies include increasing the budget and capacity of officers, the use of advanced technology for monitoring and investigation, and education and empowerment of local communities. In addition, there is a need for increased coordination between agencies and legal protection for officers who face pressure in carrying out their duties. With a comprehensive and inclusive approach, it is hoped that forest and land fires in Bintan can be minimized, so that a more sustainable environment and a stable economy can be realized
Juridical Review Of The Accountability Of The Port Authority and The Port Authority Office (KSOP) In The Evaluation System For The Implementation Of Guidance At The Port: Research Study On Batam Special KSOP Gahara Herawati; Erniyanti Erniyanti; Soerya Respationo; Bachtiar Simatupang; Darwis Anatami
International Journal of Social Science and Humanity Vol. 1 No. 3 (2024): September : International Journal of Social Science and Humanity
Publisher : Asosiasi Penelitian dan Pengajar Ilmu Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijss.v1i3.49

Abstract

This research is motivated by the importance of the role of KSOP in ensuring that ship guidance at the port is carried out in accordance with the set safety standards, as well as various obstacles that hinder the optimization of the implementation of these responsibilities. These obstacles include limited human resources, budgets, infrastructure, and ineffective coordination and communication. Research Objectives The purpose of this study is to analyze and evaluate the accountability of KSOP in the implementation of guidance at Batam City Port, identify the obstacles faced, and formulate efforts that can be made to overcome these obstacles. Research Methods This research uses normative juridical and empirical sociological methods. The normative juridical method is carried out through a literature study of the laws and regulations that regulate ship guidance and the responsibilities of KSOP. Meanwhile, empirical sociological methods are carried out through observation, interviews, and direct data collection from the Batam Special KSOP and other related parties. Research Results The results of the study show that the implementation of KSOP accountability in the implementation of guidance at the Port of Batam City has not run optimally. Obstacles faced include limited human resources, inadequate budgets, outdated infrastructure and technology, and lack of coordination and communication. In addition, awareness and compliance with safety procedures still need to be increased. Suggestions This study suggests increasing the recruitment and training of ship guides, optimizing budgets, modernizing navigation equipment and communication technology, simplifying regulations, and improving coordination and communication between related parties. With these steps, KSOP is expected to be more effective in supervising and ensuring the implementation of safe and efficient guidance at the Port of Batam City.
Juridical Review of Evidence of Land Eigendom Verponding in The Implementation of Land Acquisition in Indonesia : Judicial Analysis Of The Cassation Decision Number: 211/Pdt.G/2019/PN Amb Celine Tio; M Tartib; Erniyanti Erniyanti; Soerya Respationo
International Journal of Social Science and Humanity Vol. 1 No. 3 (2024): September : International Journal of Social Science and Humanity
Publisher : Asosiasi Penelitian dan Pengajar Ilmu Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijss.v1i3.56

Abstract

The land system is called eigendom land. However, the land system that uses western law is still considered to be out of sync with human rights and is also detrimental to society, so during Indonesia's independence, new regulations were issued that regulate the national land system. However, in reality, transmitting western law to national law is not easy, so several land disputes have arisen, one of which is the ex eigendom verponding land dispute which was tried at the Ambon City District Court with Supreme Court decision number: 211/Pdt.G/2019/PN Amb . Based on the description in this thesis, the issues that will be discussed are 1) How to regulate land law ex eigendom verponding. 2) How is the implementation related to land ex eigendom verponding. 3) What are the constraint factors and solutions related to ex eigendom verponding land. This research aims to analyze the position of the case, the suitability of the considerations of the Supreme Court judges as well as the strengths and weaknesses of the judges in deciding the verdict in this ex eigendom verponding land dispute case. This research applies normative legal research methods. The results of the discussion produced in this research found that the judge's reasons for rejecting the case application submitted by Lutfi Attamimi as a representative of PT. Maluku Building is in accordance with the facts and applicable law, but there are also several weaknesses in the judge's consideration of the land data evidence attached by the plaintiff, so that at the end of the decision it was concluded that the ex-eigendom Verponding land number 987 was not successfully reclaimed by the plaintiff due to the lack of the validity of the evidence and facts presented before the trial.
Juridical Analysis of Government Policies on Ownership of Rights to Flats: (Research Study In Kampung Utama, Batam City) Sisilia Sisilia; Soerya Respationo; Markus Gunawan; Erniyanti Erniyanti
International Journal of Social Science and Humanity Vol. 1 No. 3 (2024): September : International Journal of Social Science and Humanity
Publisher : Asosiasi Penelitian dan Pengajar Ilmu Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijss.v1i3.62

Abstract

The policy of ownership of the right to the flats is an important aspect in the arrangement of vertical housing in Indonesia, especially in dense urban areas such as Kampung Utama Batam City. The background of this research focuses on the complexity of ownership dualism between individual property rights over units and collective rights to common parts, common objects, and common land. Conflicts of interest and management problems often arise, hindering the optimal implementation of policies. The purpose of this study is to analyze the implementation of government policies on ownership of rights to apartment units in Kampung Utama Batam City, identify existing obstacles, and provide recommendations for improvement. The research method used is a normative juridical approach with case studies. Data was collected through analysis of legal documents, interviews with stakeholders, and field observations. The analysis was carried out using positive legal theory from John Austin to understand the existing legal framework, legal system theory from Lawrence M. Friedman to evaluate the interaction between legal structure, substance, and culture, and legal certainty theory from Sudikno Mertokusumo to assess the clarity and predictability of applicable laws. The results of the study show that although the policy has been well drafted in Law No. 20 of 2011 concerning Flats, its implementation in the field still faces various obstacles. Dualism of ownership, unclear certificate status, complex administrative procedures, and lack of legal socialization are some of the main problems found. Strengthening the role of the Flats Owners and Occupants Association (P3SRS), the use of digital technology for administrative procedures, and increased supervision and law enforcement were identified as solutions to overcome these obstacles. The suggestions provided include increased coordination between related agencies, active community participation in the management of flats, and simplification of administrative procedures by the government. More effective implementation is expected to provide better legal certainty and create a harmonious residential environment in Kampung Utama Batam City.
Legal Analysis of Providing Mortgage Rights Guarantee to Foreign Bank Creditors : A Study at the Land Office of Batam Utari Afnesia; Laily Washliaty; Ali Amran; Erniyanti Erniyanti; Soerya Respationo
International Journal of Humanities and Social Sciences Reviews Vol. 1 No. 3 (2024): August : International Journal of Humanities and Social Sciences Reviews
Publisher : Asosiasi Penelitian dan Pengajar Ilmu Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijhs.v1i3.44

Abstract

This research aims to investigate and analyze legally the granting of mortgage rights guarantee to creditors, especially foreign banks (conducted at the Land Office of Batam). The method used is normative legal research utilizing library references and interviews with academic and practitioner experts as research subjects. This study is descriptive, systematically analyzing primary, secondary, and tertiary legal materials along with relevant facts. The conclusion of this research is that the granting of mortgage rights to foreign banks follows the procedures stipulated in Ministerial Regulation No. 5 of 2020 from the Ministry of ATR/BPN. The registration process for mortgage rights is conducted electronically, but foreign banks such as China Banking Corporation Limited must first register through the financial partner application. The main challenges in implementing electronic mortgage rights guarantee primarily stem from legal uncertainties regarding the registration of foreign creditors through the financial partner application managed by the Ministry. Additionally, there are technical challenges due to IT systems that are not yet fully prepared. Improving the quality of human resources is also necessary, given the constraints faced at the land office due to a shortage of personnel, while demand from the public and service users remains high.
Analysis Of The Role Of Civil Servant Investigators Of The Sea and Coast Guard Base In Law Enforcement Shipping Crime: Research Study At Class II Tanjung Uban PLP Base Bagus Riadi; Erniyanti Erniyanti; M. Soerya Respationo; Darwis Anatami; Ramlan Ramlan
International Journal of Humanities and Social Sciences Reviews Vol. 1 No. 3 (2024): August : International Journal of Humanities and Social Sciences Reviews
Publisher : Asosiasi Penelitian dan Pengajar Ilmu Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijhs.v1i3.45

Abstract

Law enforcement in the shipping sector is an important aspect in maintaining security and order in Indonesian waters. Civil Servant Investigators (PNS) at the Marine and Coast Guard Base (PLP) have a central role in cracking down on shipping crimes. This study aims to analyze the role of civil servant investigators at the Tanjung Uban Class II PLP Base in law enforcement of shipping crimes, identify the obstacles faced, and provide recommendations to increase the effectiveness of law enforcement. The research methods used are normative juridical and empirical sociology. Normative juridical research is carried out through the study of relevant documents and laws and regulations, such as Law Number 17 of 2008 concerning Shipping and its implementing regulations. Empirical sociological research was conducted through interviews with civil servant investigators, related parties, and analysis of concrete cases handled at the Tanjung Uban Class II PLP Base. The results of the study show that civil servant investigators at the Tanjung Uban Class II PLP Base have an important role in law enforcement of shipping crimes, but face various obstacles. Limited human resources and facilities, lack of coordination between agencies, and technical and legislative obstacles are some of the main obstacles. Case handling such as KM. Putra Harapan Baru and MT. Queen Majesty revealed that violations often occur due to non-compliance with shipping regulations, as well as a lack of legal awareness among shipping industry players. Based on the results of the research, it is recommended that the number and quality of investigators be increased through training and recruitment, investment in adequate facilities and equipment, and increased coordination between agencies. In addition, the adjustment of domestic regulations to international standards and legal awareness campaigns for the public and shipping industry players are also important to ensure compliance with the law. Strengthening legal protection for investigators from external intervention and strict enforcement of the code of ethics will help maintain integrity and professionalism in maritime law enforcement. With this effort, it is hoped that law enforcement of shipping crimes at the Tanjung Uban Class II PLP Base can run more effectively and efficiently.
Juridical Analysis Of The Use Of The Company's Shares As An Object Of Fiduciary Guarantee Natasya Ferena; Erniyanti Erniyanti; Markus Gunawan; Soerya Respationo
International Journal of Humanities and Social Sciences Reviews Vol. 1 No. 3 (2024): August : International Journal of Humanities and Social Sciences Reviews
Publisher : Asosiasi Penelitian dan Pengajar Ilmu Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijhs.v1i3.50

Abstract

This study aims to analyze juridically the use of the company's shares as an object of fiduciary guarantee in Batam City. The background of this research is rooted in the need for a deep understanding of the effectiveness and security of the company's shares used as fiduciary guarantees, as well as their influence on legal certainty and local economic stability. In Indonesia, the use of shares as fiduciary guarantees is regulated by Law Number 42 of 1999 concerning Fiduciary Guarantees and Law Number 40 of 2007 concerning Limited Liability Companies, but the implementation of this law in the field often encounters various obstacles, especially in Batam City which is a strategic business center. This study uses a qualitative method with a document study approach, in- depth interviews, and field observations to collect data. The subject of this study involves notaries, fiduciary guarantee registration officials, investors, and business actors in Batam. The results of the study show that there are several significant obstacles in the implementation of the use of shares as an object of fiduciary guarantee, which include procedural complexity, variations in notary practices, and limited administrative infrastructure. Despite this, stocks are still a trusted and used instrument because of their liquidity and economic value. Based on these findings, suggestions include expanding education and training for notaries to improve understanding and thoroughness in the fiduciary guarantee administration process. The Batam City Government is advised to update and simplify related regulations to support efficiency and legal certainty. In addition, investments in information technology are needed to modernize the registration and document handling processes, which can increase the transparency and speed of the fiduciary assurance process.