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All Journal Spektrum Hukum Jurnal Hukum Bisnis Bonum Commune Jurnal Hukum Samudra Keadilan Veteran Law Review Jurnal Abdi Insani RIO LAW JURNAL El-Izdiwaj: Indonesian Journal of Civil and Islamic Family Law Jurnal Konstruksi Hukum Journal of Administrative and Sosial Science (JASS) Dewantara: Jurnal Pendidikan Sosial Humaniora Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora (JURRISH) Jurnal Manajemen, Ekonomi, Hukum, Kewirausahaan, Kesehatan, Pendidikan dan Informatika (MANEKIN) BULLET : Jurnal Multidisiplin Ilmu AMMA : Jurnal Pengabdian Masyarakat Birokrasi: Jurnal Ilmu Hukum dan Tata Negara Artemis Law Journal Petitum Law Journal Mahkamah: Jurnal Riset Ilmu Hukum Journal of Multidisciplinary Academic Business Studies
Chatryen M Dju Bire
Universitas Nusa Cendana
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Nursing Social Sciences Other

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Subrogation as a Legal Protection Mechanism for Banks in Kredit Usaha Rakyat (KUR) Guarantee Schemes Raditya Maharani; Firdausi, Kamalia; M. Dju Bire, Chatryen
El-Izdiwaj: Indonesian Journal of Civil and Islamic Family Law Vol. 7 No. 1 (2026): Juni 2026
Publisher : Program Studi Hukum Keluarga Islam Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/tyt2dv47

Abstract

This study examines how subrogation functions within the Credit Guarantee mechanism of a government-backed microcredit program in Indonesia (Kredit Usaha Rakyat) as a tool for protecting banks’ legal interests in cases of non-performing loans. Although subrogation is formally regulated under the Indonesian Civil Code, the practice of KUR credit guarantees demonstrates that subrogation is often narrowly understood as merely an administrative consequence of guarantee claim payments. This situation arises because KUR guarantees cover only a portion of the credit risk, resulting in a partial transfer of receivables and creating legal complexities in the relationships among banks, debtors, and credit guarantee institutions. Using a normative legal research approach through the examination of the Indonesian Civil Code, regulations governing the KUR program guarantee scheme, and the prudential principle in banking law, this study finds that subrogation in KUR guarantees is inherently partial and possesses a strategic function that has not yet been fully optimized. Partial subrogation not only facilitates the transfer of receivables but also serves as a proportional and layered legal protection mechanism for banks in resolving non-performing loans. This study emphasizes that the systematic integration of subrogation within the legal framework of a government-backed microcredit program in Indonesia (Kredit Usaha Rakyat) guarantee scheme has the potential to strengthen the legal protection of banks’ interests while supporting the stability of government- backed credit distribution.   Keywords: Subrogation; KUR; Credit Guarantee; Legal Protection of Banks.
Analisi Yuridis Penerapan Asas Pemisahan Horisontal dan Pelekatan Vertikal Terhadap Peralihan Hak Atas Tanah Ditinjau dari Hukum Perdata Evodius Eron Djerahu; Orpa J Nubatonis; Chatryen M Dju Bire
Artemis Law Journal Vol 3 No 2 (2026): Artemis Law Journal Vol.3, No.2, May 2026
Publisher : Law Faculty, Nusa Cendana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/alj.v3i2.22538

Abstract

The transfer of land rights in Indonesia is regulated by various legal principles which sometimes conflict, especially between the principle of horizontal separation and the principle of vertical attachment. This research aims to analyze the application of these two principles in the context of Indonesian civil and land law. The method used is a normative legal approach by analyzing statutory regulatory documents, court decisions and expert views. The research results show that the principle of horizontal separation, which divides rights to land and objects attached to it, is regulated in the Civil Code and the Basic Agrarian Law (UUPA). Meanwhile, the principle of vertical attachment, which views land and attached objects as one unit, is reflected in the Civil Code and several related laws and regulations. The application of these principles in the transfer of rights affects how buildings, plants and other objects attached to land are legally regulated. The principle of horizontal separation allows the transfer of land rights without having to transfer rights to the objects attached, while the principle of vertical attachment causes these objects to automatically transfer rights. This research concludes that Indonesian land law tends to adhere to the principle of horizontal separation, as reflected in the UUPA, which provides clear regulations regarding the legal relationship between land and the objects on it.
Kajian Perbandingan Hukum Terhadap Larangan Perkawinan Hukum Adat Ana Wale Dan Undang-Undang No. 1 Tahun 1974 Tentang Perkawinan (Studi Kasus Di Kecamatan So’a Kabupaten Ngada) Faustin Ye Wale; Darius Mauritsius; Chatryen M. Dju Bire
Artemis Law Journal Vol 3 No 2 (2026): Artemis Law Journal Vol.3, No.2, May 2026
Publisher : Law Faculty, Nusa Cendana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/alj.v3i2.22777

Abstract

A comparison of the prohibition of marriage found in the Ana Wale Customary Law with the provisions of Law No. 1/1974 on Marriage, especially in the context of the community in So'a Subdistrict, Ngada Regency. Ana Wale customary law recognizes the prohibition of marriage with the Sengi tribe based on a hereditary customary agreement known as Tura Zazi or bloody oath, which arose from historical conflicts and aims to maintain social harmony. Meanwhile, the Marriage Law stipulates prohibitions based on blood relations, consanguinity, consanguinity, and religious rules. This research uses an empirical legal method with a qualitative approach through interviews and document studies. The results show that although there are similarities in the purpose of the prohibition, namely maintaining social and moral order, there are fundamental differences in the legal basis, the form of sanctions, and in the prohibition in the Ana Wale Customary Law there is an agreement stating that the two prohibited tribes are blood relatives not based on lineage but based on a customary agreement or oath. This research contributes to the understanding of harmonization between national law and customary law and becomes a reference in the preparation of policies that are culturally just.
IMPLEMENTASI UNDANG-UNDANG NOMOR 5 TAHUN 1960 TENTANG PERATURAN DASAR POKOK-POKOK AGRARIA KAITAN DENGAN PERLINDUNGAN HAK ATAS TANAH MASYARAKAT ADAT PUBABU, DESA LINAMNUTU, KECAMATAN AMANUBAN SELATAN, KABUPATEN TIMOR TENGAH SELATAN Fasri Ferroh; Husni Kusuma Dinata; Chatryen M Dju Bire
Petitum Law Journal Vol 3 No 2 (2026): Petitum Law Journal Volume 3, Nomor 2, Mei 2026
Publisher : Petitum Law Journal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/pelana.v3i2.22971

Abstract

This research is an empirical study that aims to determine and analyze the implementation of the basic agrarian law and its obstacles in protecting the land rights of the Pubabu indigenous community, Linamnutu Village, South Amanuban District, TTS Regency. This research was conducted in Linamnutu Village. The types of data used were primary data and secondary data. The data collection techniques used were interviews and literature studies. The population in this study were the Head of East Nusa Tenggara State Land Agency Region, Head of Amanuban Selatan Sub-District, Head of Linamnutu Village, Usif (King) of Amanuban, Pubabu Indigenous Community Leaders. The sample used in this research is a saturated sample technique with a total of 8 respondents. This research shows that, the implementation of the Basic agrarian law in the Pubabu case reveals a systematic failure that requires fundamental reformulation from a technocratic paradigm towards a transformative paradigm. the obstacles to the implementation of the Basic agrarian law in protecting the land rights of Pubabu indigenous peoples, in Linamnutu Village are not solely caused by administrative technical issues, but reflect stronger structural problems in the Indonesian government system.
Analisis Perkawinan Sesuku di Desa Leuburi Kabupaten Lembata: Studi Pasangan Suami-Istri dalam Konteks Budaya dan Adat Maria Valentina; Juliana Susantje Ndolu; Chatryen M. Dju Bire
Dewantara : Jurnal Pendidikan Sosial Humaniora Vol. 5 No. 2 (2026): Juni: Dewantara : Jurnal Pendidikan Sosial Humaniora
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/dewantara.v5i2.7245

Abstract

This study aims to examine the implementation of customary law governing same-clan marriage (aman udeq), community perceptions, and its social and cultural implications in Leuburi Village, Buyasuri District, Lembata Regency. The research employed an empirical legal method with a qualitative approach. Primary data were collected through in-depth interviews with 18 informants consisting of customary leaders, the village head, three same-clan married couples, family members, and community representatives. Secondary data were obtained from statutory regulations, legal literature, and relevant scholarly publications. The findings indicate that same-clan marriage remains strictly prohibited under the customary exogamous kinship system practiced by the Leuburi community. Enforcement of customary law is carried out through genealogical verification, customary deliberation, and the imposition of sanctions, including revocation of clan membership, social exclusion, customary reconciliation ceremonies, restriction of customary rights, and the non-recognition of descendants within the customary lineage. Most community members continue to uphold this prohibition as an effort to preserve cultural values and kinship order, although limited alternative views have emerged due to emotional factors and ongoing social change. The study concludes that customary law continues to play a significant role in maintaining social order while adapting to the challenges of modernization.
Penerapan Prinsip Kehati-Hatian dalam Perjanjian Kredit Pemilikan Rumah pada Bank Tabungan Negara Cabang Kupang Renaldi Takoy; Orpa J. Nubatonis; Chatryen M. Dju Bire
Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora Vol. 5 No. 4 (2026): JURRISH: Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrish.v5i4.8725

Abstract

This study aims to analyze the procedures for implementing housing credit agreements and the application of the prudential principle in housing credit agreements at Bank Tabungan Negara Kupang Branch. This research uses an empirical juridical method. The results show that the KPR lending procedure at Bank Tabungan Negara Kupang Branch normatively follows the standard stages of credit procedures and fulfills the legal validity requirements of agreements as stipulated in the Indonesian Civil Code, banking regulations, and provisions established by the Financial Services Authority of Indonesia. The prudential principle is implemented through the 5C credit analysis, Financial Information Service System (SLIK) checks, document verification, debtor repayment capacity analysis, collateral assessment, and multi-level credit approval mechanisms. However, substantively several weaknesses are still found, including limitations in verifying the debtor’s character, inaccuracies in credit analysis data, and a high reliance on administrative documents. Furthermore, the use of standard form contracts in credit agreements indicates an imbalance in bargaining positions between the bank and the debtor. These findings indicate that the prudential principle has been implemented procedurally but has not yet been fully optimal in mitigating risks substantively.
Co-Authors Adhe Ismail Ananda Aloysius, Sukardan Bhoki, Aurelya Bill Nope Bone Lau, Hildegard Blinda Lestari Cyrilius W. T. Lamataro Cyrilius Wilton Taran Lamataro Cyrilius Wilton Taran Lamataro Damat, Petornius Darius Mauritsius Daud Yaferson Dollu Dollu, Daud Yaferson Dopo, Novita A L Ermalinda, Jenny Evodius Eron Djerahu Fasri Ferroh Faustin Ye Wale Firdausi, Kamalia Hendrika Yunita Bebhe Herman Elfridus Seran Husni Kusuma Dinata Jacob, Yossie M Y Jacob, Yossie M.Y. Jacob, Yossie Maria Yulianti Jacob, Yossie Maria Yulianty Jenny Ermalinda Jenny Ermalinda Jenny Ermalinda Juliana Susantje Ndolu Kade, Angelina Febriani Kaesmetan, Rini Marselin Kim, Maria Theresia Lay Rade, Jericho Gerald Liwe, Juan Truly Page Maksimiliane Kolorian Hilem Manu, Ananda Natasya Maria Valentina Mauritius, Darius Mauritsius, Darius Melinda Ratu Radja Ndolu, Juliana S Ngunjunau, Umbu Lapu Nubatonis, Orpa J Nubatonis, Orpa Juliana Nunuhitu, Tiara G Nunuhitu, Tiara Gracela Oedjoe, Kezya Bethlin Ratoe Orpa J Nubatonis Orpa J. Nubatonis Orpa J. Nubatonis Orpa J. Nubatonis Orpa J. Nubatonis Orpa Juliana Nubatonis Orpa Juliana Nubatonis Raditya Maharani Radja, Melinda Ratu Renaldi Takoy Renda, Ariance Sakeh, Fahry Fausi Sara Christiany Nggauk Silvester, Agustinus Siti Ramlah Usman Sodak, Frederika Atalia Tadoe, Prisca Edelweys Tallo, Daud Dima Therik, Abigail Amelia Thoe, Maria Suryati Dorman Tungga, Axel Rudolf Alexander Uly, Nila Wati L. J Un, Alicia Chalista Usman, Siti Ramlah Wungo, Anna Xaveria Ekaputri Yoanita Rostika Lala Yopi Negong, Antonius Yossie Maria Yulianti Jacob