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The Legality of Collateral Auction by Rural Banks Without Credit Restructuring: A Case Study of Decision No. 260/Pdt.G/2019/PN Dps Sinaga, Bachtiar Hasan; Purba , Hasim; Lisa Andriati, Syarifah; Gunaika, Raka
ASAS Vol. 17 No. 01 (2025): Asas, Vol. 17, No. 01 Juni 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/

Abstract

Auctions of collateral by Rural Credit Banks (BPR) without going through a credit restructuring process raise legal issues related to debtor protection and the fulfillment of the principle of fairness in banking practices. This study aims to analyze the legality of auctions of collateral by BPR without prior credit restructuring, focusing on Decision Number 260/Pdt.G/2019/PN Dps. The research method used is a normative legal research method, applying the Theory of Statement, Legal Certainty, and Justice to discuss legal issues concerning the validity of collateral auctions without restructuring. This study relies on previously available information (secondary sources). Data collection was conducted through document review and relevant literature, while data analysis techniques were performed using qualitative data analysis. The results of this study include: Credit restructuring is not required in cases of non-performing loans, in accordance with Bank Indonesia Regulation No. 14/15/PBI/2012. This means that banks can auction collateral immediately without restructuring if there is no agreement between the bank and the debtor. Regarding collateral auctioned without prior restructuring, debtors may pursue legal remedies, both non-litigious and litigious. In accordance with Article 21(1) of the Indonesian Financial Services Authority Regulation No. 33/Pojk.03/2018 regarding the Quality of Productive Assets and the Formation of Provisions for the Write-off of Productive Assets of Rural Banks (BPR), the auction conducted by PT. BPR without credit restructuring is valid.
Increasing Productivity And Local Product Branding Optimization And Food Security in Desa Perkebunan Tanjung Kasau Ismayadi; Zulfan; Putra Armidin, Ranu; Marpaung, T.J.; Satria Lubis, Andrew; Marpaung, J.L.; Gunaika, Raka; Qaedi Hutagalung, Arif; Hasan, Fuad; Rilani Manurung, Vindy; Syahputra Harahap, Edy
ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat Vol. 8 No. 2 (2023): ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/abdimastalenta.v8i2.11313

Abstract

The need for fresh water fish consumption for the community is increasing, therefore the freshwater fishery business has very good business prospects to be developed in the form of both fresh and processed fish. A fish farming business must have implemented a planning function even though it is still simple, both in terms of technical preparation, equipment, labor, costs, implementation time and so on, even though it is not made in a structured manner. This service aims to improve the economy of the Tanjung Kasau Plantation Village through increasing the skills and knowledge of the community.
The Effectiveness of Digital Literacy in Improving Community Skills in the Tanjung Kasau Plantation Village Ismayadi; Zulfan; Putra Armidin, Ranu; Marpaung, T.J.; Satria Lubis, Andrew; Marpaung, J.L.; Gunaika, Raka; Hayatunnufus; Siringoringo, Y.B.; Azhari; Munzaimah
ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat Vol. 8 No. 2 (2023): ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/abdimastalenta.v8i2.11314

Abstract

Low technological literacy and an ecosystem for developing innovation and creation that is not built at the village level are one of the reasons why the village is not developing. The use of information technology can be a medium that connects the community and village government. The village government can utilize information technology to deliver services related to governance and village development as well as fostering and developing community empowerment. This service will focus on increasing digital literacy to support communities that are resilient in digitizing MSME activities.
Law Education and Optimalization Community Organizations from the Anarchism Motorcycle Gang in Medan Yudhistira, Eko; Sinulingga, Tommy Aditia; Al Fajar, Muhammad Din; Kembaren, Mardiah Mawar; Gunaika, Raka
ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat Vol. 8 No. 2 (2023): ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/abdimastalenta.v8i2.15492

Abstract

The presence of motorbike gangs in Indonesia is one of the disturbing forms of juvenile delinquency. Circumstances such as those previously explained have provided a strong impetus to discuss and look for the best alternative solution in overcoming the problems perpetrated by motorcycle gangs. Therefore, it is very important to respond to the problem of methods and actions to deliver a young generation that is responsible and participates in providing real assistance to the nation and state.
Empowering Village Women Through Home Industry Batik Prima Jaya to Create Local Economic Kembaren, Mardiah Mawar; Irsad; Lubis, M. Husnan; Yudhistira, Eko; Gunaika, Raka
ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat Vol. 9 No. 1 (2024): ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/abdimastalenta.v9i1.15496

Abstract

Efforts to empower women are part of human development as a resource that has considerable potential and can be developed in the context of national development. There is a phenomenon regarding women in low economic conditions, where the patriarchal cultural system has indirectly placed restrictions on women so that inequality (gender) arises, which has also given rise to the closeness of women's identity to poverty. Therefore, to equalize this position, an activity to empower village women through the Primajaya batik home industry is needed in order to increase local economic independence. The aim of this community service is to shape individuals and communities to become independent. This independence includes economic independence, independence in thinking, acting and relying on what they do. Community empowerment aims to make people independent, have the potential to be able to solve the problems they face, and be able to fulfill their needs without depending on outside parties for their lives.
Exploring Independent Economic Potential Through Digital Screen Printing as a Business Identity of Tanjung Harapan Village Community, Labuhanbatu Regency Kembaren, Mardiah Mawar; Lubis, M. Husnan; Lubis, Zulfan; Yudhistira, Eko; Gunaika, Raka
ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat Vol. 10 No. 1 (2025): ABDIMAS TALENTA: Jurnal Pengabdian Kepada Masyarakat
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/abdimastalenta.v10i1.19815

Abstract

An independent economy for a village aims to improve the quality of life. One way is by entrepreneurship, namely running your own economic business, creating new business units, and creating innovations that generate profits for the village, by the village, and for the village. Products produced by BUMDes often do not have the identity of the products they produce. The lack of awareness of the village community about their business brand image will make it difficult for buyers to buy the same product in the future. Therefore, through activities and creativity produced by digital screen printing techniques, the products produced by BUMDes finally have a business identity that is easy for buyers to find again, and can even order BUMDes products repeatedly. This service will be carried out in Tanjung Harapan Village, Pangkatan District, Labuhanbatu Regency. The method used in this service is community empowerment in the form of education on the importance of creating local economic independence, as well as the implementation of digital packaging screen printing designs for products produced by BUMDes in the food, beverage, and handicraft sectors.