Perlindungan Hukum Terhadap Debitur dalam Perjanjian Kredit Tanpa Jaminan

The existence of unsecured loan facility is an alternative from bank other than loan by using collateral. The advantage of this unsecured loan is that someone can apply for credit without pledging his goods. The absence of collateral in the provision of loan is sometimes cause problem for the parties, especially debtors. This study aims to determine the legal protection of debtors in the provision of unsecured loan. This research was conducted at the Bank Negara Indonesia (BNI) Surakarta Branch. The method used in this research is empirical juridical method with qualitative approach. The results show that legal protection against unsecured debtors is not fully protected, because if the debtor breaks the promise then based on Article 1131 Civil Code which is used as debt repayment by the bank is the entire property of the debtor. It violates Article 18 of the Consumer Protection Law because it was not previously agreed upon

Kontruksi Hukum SK Aparatur Sipil Negara Sebagai Jaminan Pada Perjanjian Kredit (Studi kasus: Bank Mandiri Cabang Sukoharjo)

Bank in the most importantbanking institution in Indonesia. Bank it self is divided into two types of banks, namely conventional and sharia. The Bank has a finction to channel funds to communities in deed, necessary to support the development of economic activities and improve the standart of living. This is commonly referred to as lending and borrowing activities (credit). Bnks give credit to the public, ranging from traders to State Civil Aparatus. State Civil Aparatus is an Aparatus woring in a government agency, where ASN has a decree which is a symbol/ evidence if it has become an ASN. In the banking world, ASN is allowed to engage in borrowing activities (credit) under the guarantees of SK ASN. To obtain a loan from the Bank, the Debtor must meet and obtain elements and priniciples of credit, namely in the form of trust and guidance. ASN has a salary system through an agency treasurer. This gives assurance that ASN will obtain a loan, because it has fulfilled the priniciple of trust. ASN shall repay the Bank by submitting a power of attornry to the Bank for monthly salary deduction through the treasurer of an agency. The formulation of this issue will discuss: how the legal basis of SK ASN is guaranteed by the borrwer to Kreditur, due to law and liability of ASN in case os dismissal of ASN, as well as risk experienced by the Bank if the Debtor defaults or dies. The location of this research is located at Bank Mandiri Sukoharjo Branch

Urgensi Pelembagaan Jaminan Kebendaan Pada Akad Mudharabah Ditinjau Hukum Jaminan dan Ekonomi Syariah

Mudharabah transactions occurs because of mutual interests to cooperate or partner business based on mutual need, mutual trust, and the occurrence of mudarabawhen the owner of capital (shahibulmaal) already trust in the person who will manage the capital (mudharib). Sharia guarantee is an important part of Islamic banking financing, the problem in this research is not set at all about the specific rules of sharia and institutional guarantee. The method used in this research is empirical method. Unregulated guarantees in the Sharia Banking Law creates a legal vacuum, it’s necessary to get special attention, because sharia banks doesn’t use the principles of sharia, on one side Islamic banks apply Islamic financing, but on the other hand still use conventional guarantee system. There should be established a regulation and special institutions that regulate sharia guarantee, so that Islamic banks can run all financing using sharia principles

Perlindungan Hukum Terhadap Tenaga Kerja Outsourcing (Studi Kasus PT Lor International Hotel Solo)

The purpose of this research is to know the process and contents of the contract agreement between outsourced laborer when related to Law Number 13 Year 2003 concerning Manpower and problem solving that happened between laborer and company and to know outsourcing labor system related to law regulation. The research method used descriptive juridical empiric method. Sources of data consists of primary data ie interviews and secondary data namely primary, secondary and tertiary legal data. Methods of data collection through literature study and field study (interview), then the data were analyzed qualitatively. The results concluded that the implementation of labor law protection outsourcing in PT. Lor International Hotel Solo as a service user company outsourcing work in the form of written cooperation agreement in a certain period. The dispute resolution if the employee violates the outsourcing agreement is the responsibility of the employment service provider through mediation, conciliation, arbitration, and industrial relations settlement in the work agreement. Regarding the legal regulations that are violated from the existing regulatory provisions, on outsourcing labor practices that work in outsourcing labor outsourcing companies is about remuneration, time of contract and mutation also regarding social protection concerning old age insurance not accepted by workers

Tinjauan Yuridis Unit Pengelola Kegiatan Sebagai Agen Pemerintah Dalam Upaya Pengentasan Kemiskinan (Study Kasus Unit Pengelola Kegiatan Kecamatan Susukan)

BSTRACT Government in efforts to overcome poverty in Indonesia has several alternative policies which one is the Activity Manager Unit (UPK) Which aims to provide loan funds in the form of revolving funds that can be utilized by communities or groups of poor households to make a business capital so that the creation of an independence and reduce poverty. The revolving fund itself is divided into two types, the first is SPP funds (Female loan fund) whose activities are undertaken by women to developing the funding potential of micro-scale enterprises and strengthening women's institutional activities and secondly is UEP (Productive Economic Enterprises) Whose activities are in the economic field for community empowerment activities by providing business capital assistance for productive economic activities and to increase revenues, create employment and food comunities security based of local resource. With easy terms and lower interest because they are the direct assistance from the government, both types of loans are very helpful to the community, especially the poor household groups. The problem statement of this study is to discusses the related activities of Activity Unit managers (UPK) in addressing poverty in Indonesia, the perceived impacts, on how the troubled rolling loan process is resolved, and the constraints to resolving the problem. This research uses a kind of juridical-empirical research and qualitative approach method. The location of this research is in the Susukan Subdistrict, Semarang Regency and specifically in Badran Village. Key word : UPK, SPP,UE

Tinjauan Hukum Islam Terhadap Bisnis Paytren Dengan Sistem Multi Level Marketing (MLM) Berdasarkan Fatwa DSN-MUI No. 75 Tahun 2009 Tentang Plbs

PT Veritra Sentosa Internasional (Treni) is a company that markets "Licensing" using Applications/Software/Technology named "PayTren" where the marketing system is developed through partnership or business partners (Direct Selling) with the concept of Network or MLM . In 2009 DSN-MUI then issued a fatwa on Sharia Tiered Direct Selling (PLBS). In the fatwa, explained the provisions governing the system of direct selling in the level of sharia or Islamic MLM which contains certain terms and conditions, including objects that will be used as real transactions or traded in the form of goods or service products. The object that is traded and not something that is forbidden and or used to do something that is forbidden. Transactions in trading cannot contain elements of gharar or obscurity, maysir or gambling, usury, dzulm, and immorality. The purpose of this paper is to explain the operational implementation and business flow of PayTren with Multi Level Marketing System (MLM), then to explain the review of Islamic law on PayTren business practices with the Multi Level Marketing System (MLM) based on Fatwa DSN-MUI No. 75 of 2009 concerning Sharia Direct Selling System, and explains the PayTren system review in terms of positive law. In this study the author uses an empirical approach. The type of research used by the authors in this study is descriptive research. In this study the author took the location at PT. Veritra Sentosa International Semarang. This study uses the literature study method in addition to the field study using interview techniques conducted directly at the research location. Data analysis is carried out qualitatively in the form of data in the form of words or sentences. Data analysis methods are carried out using deductive logic

Tinjauan Yuridis Penyelesaian Sengketa Perdata Dengan Jalur Mediasi Oleh Pengadilan Berdasarkan Perma Nomor 1 Tahun 2016 Tentang Prosedur Mediasi Di Pengadilan (Studi Kasus di Pengadilan Negeri Karanganyar)

This study aims to determine the process of civil disputes settlement with mediation path by Karanganyar District Court, to know the difference of civil disputes settlement with mediation path in Karanganyar District Court based on Supreme Court Regulation No. 1 of 2016 with Supreme Court Regulation No. 1 of 2008. The approach method Writers wear is an empirical juridical approach. The type of research used by the authors in this study is to use descriptive research type. Research location in Karanganyar District Court. Based on the results of research and analysis that has been done can be concluded that the settlement of civil disputes by mediation conducted by the District Court Karanganyar has been in accordance as set in the Supreme Court Regulation Number 1 Year 2016 About Mediation Procedures In the Court. The suitability will be directly beneficial to the Karanganyar District Court, especially the litigants in the Karanganyar District Court

Sinkronisasi Definisi Akad-Akad Kompilasi Hukum Ekonomi Syariah (KHES) Dan Peraturan Otoritas Jasa Keuangan (POJK) :Sengketa Ekonomi Syariah Di Pengadilan Agama Studi Perpustakaan di Pengadilan Agama Boyolali

ABSTRACT Sharia Financial Institution (LKS) is one of the sectors of Islamic economy that developed rapidly in the last few decades. This rapid development is not only driven by the worsening of the world's money economy system driven by the conventional system, but also by the religious spirit and pragmatic practical interests in developing the people's economy. Along with the development of LKS at this time of course can not be separated from the problems, one of them about the rules that regulate the LKS. There are two rules governing LKS namely the Financial Services Authority Regulation (POJK) and the Compilation of Islamic Economic Law (KHES). The formulation of this research problem discusses how the flow chart in the religious court, how the role of KHES against material law in the settlement of sharia economic dispute in the religious court, and how to settle if there is a difference of perception between POJK and KHES to dispute sharia economy that enter in religious court. This type of research is a type of juridical legal research empirical and using a qualitative method approach. The location of this research is in Boyolali Religious Court. Keyword: Synchronization, Regulation, Sharia Economic Dispute

Cybercrimes Dalam Masyarakat Indonesia: Telaah Hermeneutik Tentang Tindak KejahatanDalam Bidang Teknologi Informasi

Internet merupakan sebuah jaringan yang mampu mengkoneksikan antar subsistem jaringan menjadi satu jaringan super besar yang dapat saling terhubung (online) seluruh dunia. Bahkan teknologi internet mampu mengkonvergensikan data, informasi, audio, dan visual yang dapat berpengaruh pada kehidupan manusia. Cybercrimes, tindak kejahatan dalam bidang teknologi informasi, semakin berkembang seiring dengan perkembangan teknologi, khususnya internet. Penelitian ini bertujuan untuk mengetahui model putusan pengadilan tentang tindak kejahatan illegal content, khususnya yang melanggar Pasal 27 Ayat (3) Undang-Undang No. 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik (UU ITE) di Indonesia, dan menelaah bentuk tindak kejahatan dalam bidang teknologi informasi di Indonesia berdasarkan Undang-Undang No. 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik (UU ITE) secara hermeneutik. Metode penelitian yang digunakan bersifat kualitatif, dengan pendekatan yuridis-normatif dan socio-legal. Teknik pengumpulan data menggunakan wawancara mendalam dan observasi, dengan narasumber meliputi informan kunci dan informan. Selanjutnya, teknik analisis data menggunakan proses analisis data secara interaktif. Putusan Pengadilan tentang illegal Content, khususnya yang melanggar Pasal 27 ayat (3) UU ITE, yang memuat penghinaan/pencemaran nama baik, antara lain Putusan Mahkamah Agung (MA) No. 822 K/Pid.Sus/2010; Putusan Pengadilan Negeri Kendal No. 232/Pid.B/2010/PN.Kdl; Putusan MA No. 2526 K/Pid.Sus/2012; dan Putusan Pengadilan Tinggi Banten No. 151/PID/2012/PT.BTN, dapat disimpulkan bahwa jika salah satu dari unsur “orang”, “dengan sengaja dan tanpa hak”, “mendistribusikan dan/atau mentransmisikan dan/atau membuat dapat diaksesnya”, dan “Informasi Elektronik dan/atau Dokumen Elektronik yang memiliki muatan penghinaan dan/atau pencemaran nama baik” tidak terpenuhi, maka majelis hakim memutuskan terdakwa bebas dari segala dakwaan (tidak bersalah), sedangkan jika keseluruhan unsur tersebut terpenuhi, maka terdakwa dinyatakan bersalah. Bentuk-bentuk tindak kejahatan dalam bidang teknologi informasi yang diatur dalam UU ITE, antara lain: aktivitas ilegal (distribusi/penyebaran, transmisi, dapat diaksesnya konten ilegal tentang: kesusilaan, perjudian, penghinaan/pencemaran nama baik, pemerasan/pengancaman, berita bohong yang menyesatkan dan merugikan konsumen, menimbulkan rasa kebencian berdasarkan SARA, mengirimkan informasi yang berisi ancaman kekerasan/menakut-nakuti yang ditujukan secara pribadi; akses ilegal, intersepsi ilegal terhadap informasi atau Dokumen Elektronik dan/atau Sistem Elektronik), data interference dan system interference, tindak kejahatan memfasilitasi perbuatan yang dilarang (misuse of device), pemalsuan informasi/dokumen elektronik, dan tindak kejahatan tambahan

Tinjauan Yuridis Mengenai Kinerja Hakim Pengadilan Agama (Pa) Dalam Menangani Sengketa Ekonomi Syari’ah ( Studi Kasus : Pengadilan Agama Di Wilayah Provinsi Daerah Istimewa Yogyakarta )

The sharia economic dispute became one of the jurisdictions of the new religious court after the enactment of Law No.3 of 2006. The authority of the Religious Courts is increasing, but the judges are ready to face this authority. The judge's efforts to support his new authority by following the certification conducted by the Supreme Court and continuing his studies to a higher level on sharia economics. Communities already know and trust religious courts to resolve sharia economic disputes. The tendency of Judges in implementing Law No.3 Th.2006 Article 49 of the Religious Courts concerning the settlement of sharia economic disputes, is by applying the Rules of Competition of sharia economic law (KHES). The role of the Religious Courts in Yogyakarta to socialize the new authority has been realized, by launching a magazine, conveying new developments information about PA through webside, and local government in cooperation with Religious Court to include some judges from Religious Courts in DIY to socialize the extension to the public about sharia economy. The Religious Courts do not have special judges in handling sharia economic disputes, since sharia economics is already an authority, as is the case with other authorities. Regarding the principle (adagumius curia novit) in which the judge is considered to know the law even though the sharia economic case is the new authority of the religious court. Not a new thing, therefore the judges do not know about sharia economy, then the judge must know or must be able to find the law. Keywords: Economic Disputes, Sharia Economics, Religious Court