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All Journal Honeste Vivere
Diana RW Napitupulu
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Law, Crime, Criminology & Criminal Justice

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KEPASTIAN HUKUM PELAKSANAAN LELANG TANAH DAN BANGUNAN PADA KREDIT MACET DARI BANK Hutagalung, Chyntia; Radhitya A. Sadiqien; Diana RW Napitupulu
Honeste Vivere Vol 35 No 2 (2025): July
Publisher : Fakultas Hukum Universitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55809/hv.v35i2.440

Abstract

The presence of credit facilities in the community can be used as a solution to meet consumptive needs, both personal and for business people. However, in the midst of the ease of credit facilities provided by the Bank, its implementation is inseparable from challenges and obstacles, namely the occurrence of bad credit. Therefore, when the debtor applying for credit, providing collateral to the bank is one of the ways to guarantee or provide certainty that the proposed debt obligations will be paid back. The form of collateral provided can be in the form of a mortgage on the customer's ownership certificate if it is an immovable asset such as land and buildings. This research uses normative legal research methods, with secondary data, namely ready-made materials or library legal materials. The legal materials used consist of primary, secondary, and non-legal materials. The results showed that in the event of bad credit, the object of mortgage rights used as collateral can be executed through an auction as stipulated in Law Number 4 of 1996 concerning Mortgage Rights on Land and Objects Related to Land, so that legal certainty in the implementation of land and building auctions on bad credit from banks in principle can provide legal protection for both creditors and debtors.
PELUANG DAN TANTANGAN DIGITALISASI DALAM INDUSTRI ASURANSI Arifin, Saiful; Chyntia Hutagalung; Diana RW Napitupulu
Honeste Vivere Vol 35 No 2 (2025): July
Publisher : Fakultas Hukum Universitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55809/hv.v35i2.441

Abstract

The insurance industry is undergoing a massive transformation with rapid technological advancements. Future trends in this industry will be heavily influenced by digitalization, insurtech, and the use of Big Data. These innovations create new, very promising opportunities for insurance companies and young professionals who want to build a career in this industry. This study aims to foster a deeper understanding of the opportunities and challenges of digitalization in the Insurance industry trends and progress in related literature, allowing the identification of prospects and obstacles faced by the insurance industry in facing digital transformation, and formulating appropriate strategies to face this increasingly digital future. The systematic literature review (SLR) method, also known as a systematic literature review, is a method that identifies, examines, evaluates, and interprets every available research. Based on the results of the study, it was found that Insurtech has great potential to transform the insurance industry in Indonesia. Regarding the potential of Insurtech in the digital era, it has quite broad future opportunities, because this insurance focuses more on individual or family financial management or even companies. Although challenges will always be there, the insurance industry must remain ready to innovate and we continue to learn to gain a strong competitive advantage in this ever-growing insurance industry.
Co-Authors Chyntia Hutagalung Hutagalung, Chyntia Radhitya A. Sadiqien Saiful Arifin