Wulandari, Hania
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Peran Jaminan Kredit dalam Kasus Sengketa Nasabah dengan BCA: Kontroversi Eksekusi Lelang Sertifikat Persil Wilis sebagai Jaminan Kredit Az-Zahra, Fatimah; Wulandari, Hania; Yesica S, Shely; Steffanie, Josephine; Tarina, Dwi Desi Yayi
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Credit collateral is a crucial aspect of loan agreements between banks and customers to ensure the certainty of debt repayment. However, the execution of collateral often triggers legal disputes, especially when customers feel disadvantaged. This journal examines the role of credit collateral in dispute cases between customers and PT Bank Central Asia (BCA), focusing on the controversy surrounding the auction execution of the Persil Wilis certificate as credit collateral. Using a normative juridical approach, this study analyzes the legal basis and execution procedures of credit collateral conducted by BCA, including compliance with banking regulations and legal protection for customers. The research findings indicate that although banks have the right to execute credit collateral through auctions, issues related to transparency, procedures, and customer rights often arise, potentially leading to legal claims. This case reflects the imbalance of power between banks and customers in banking practices and highlights the need for stronger regulations to prevent the misuse of execution rights by creditors. Therefore, this study recommends enhanced supervision of the credit collateral auction process, increased transparency in providing information to customers, and stronger legal protection to ensure fairness in resolving banking disputes.
Pelanggaran Etika Terkait Pemalsuan Dokumen oleh Advokat Sihotang, Josua Ferdinand; Sihombing, Albert Hasea Samuel; Simamora, Tesalonika Amazia; Az-Zahra, Fatimah; Wulandari, Hania; Yesica, Shely; Steffanie, Josephine; M, Mulyadi
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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The legal profession of advocacy plays a crucial role within Indonesia’s legal system as a guardian of justice and protector of human rights. However, ethical violations, particularly document forgery, pose significant challenges that threaten the integrity of the profession. This study aims to analyze the regulation of the Advocate’s code of ethics concerning document forgery, the applicable sanctions, and the impact on the judicial system and public trust. Using a normative juridical approach, this research examines provisions from the Advocate Law, the Indonesian Advocate Code of Ethics (KEAI), and the Indonesian Criminal Code (KUHP). The findings reveal that advocates involved in document forgery may face criminal, ethical, and administrative sanctions. Such violations not only harm clients but also establish a negative precedent for the rule of law. Therefore, stricter oversight, consistent enforcement of sanctions, and the enhancement of ethical awareness among advocates are essential to maintain the profession’s integrity. Preventing and addressing ethical violations are critical steps in preserving public confidence in Indonesia’s legal system.
The Legal Implications of Acquittal for Criminal Acts of Abuse Based on the Principle of Justice Wulandari, Hania; Kholiq, Abdul
Jurnal Daulat Hukum Vol 8, No 4 (2025): December 2025
Publisher : Magister of Law, Faculty of Law, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/jdh.v8i4.48887

Abstract

In the modern era, criminal cases have become more complex and abuse remains one of the most frequently encountered offenses in court proceedings. The enforcement of criminal law rests on the presumption of innocence, meaning that prosecutors must prove the defendant’s guilt beyond reasonable doubt. If the evidence is insufficient, the judge must acquit the defendant. However, such acquittals often create a dilemma of justice, especially when victims have clearly suffered harm but the legal elements of the offense cannot be proven. The Lubuklinggau District Court Decision No. 186/Pid.B/2023/PN Llg serves as a significant example. In this case, the panel of judges acquitted the defendants even though witness statements and a Visum et Repertum (medical report) were presented. The judges reasoned that the connection between the pieces of evidence was not strong enough to establish the defendants’ direct involvement in the abuse. This study analyzes the judges’ considerations in issuing the acquittal and examines its implications for victims’ rights from the perspective of justice. The findings show that the acquittal was based on the failure to prove the element of “jointly committing abuse.” Although Yoyon Utoyo was found to have committed violence against the victim, Hengki Ternando, there was no concrete evidence linking Bobot Sudoyo to the act, so the element of deelneming (participation) was not fulfilled. Legally, the verdict is valid since the elements of the crime were not proven beyond reasonable doubt. Yet from the victim’s viewpoint, the decision is unjust, as it denies protection and recovery rights guaranteed under Law No. 31 of 2014 on Witness and Victim Protection. This case reflects the tension between legal certainty and justice, where formal procedures often overshadow fairness, weakening public trust in the judiciary.