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All Journal Media Hukum Indonesia (MHI)
Steffanie, Josephine
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Law, Crime, Criminology & Criminal Justice

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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.
Co-Authors Az-Zahra, Fatimah Dwi Desi Yayi Tarina Mulyadi M, Mulyadi Sihombing, Albert Hasea Samuel Sihotang, Josua Ferdinand Simamora, Tesalonika Amazia Wulandari, Hania Yesica S, Shely Yesica, Shely