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Penerapan Asas Keseimbangan Dalam Akta Perjanjian Kredit Bentuk Notariil Pasca Dikeluarkannya Peraturan Otoritas Jasa Keuangan Nomor 1/Pojk.07/2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan
Get PDFPerjanjian Kredit dengan menggunakan model standar baku/perjanjian baku merupakan model perjanjian yang digunakan di dunia perbankan. Dengan meningkatnya kegiatan berbagai bidang mensyaratkan adanya pelayanan cepat dan tepat tanpa mengabaikan kepatutan dan keadilan semua pihak yang akan terikat pada perjanjian itu. Salah satu cara untuk memberikan pelayanan yang cepat dengan cara mempersiapkan terlebih dahulu blanko perjanjian yang akan digunakan untuk kegiatan transaksional. Perjanjian kredit dengan perjanjian baku di dunia perbankan merupakan cara mencapai tujuan ekonomi yang efisien, praktis, dan cepat. Tetapi bagi konsumen, hal tersebut merupakan pilihan yang tidak menguntungkan, karena konsumen hanya dihadapkan pada pilihan menerima atau menolak perjanjian tersebut. Berdasarkan ketentuan tersebut, muncullah fenomena adanya ketidakseimbangan dalam kontrak/perjanjian. Dengan dibentuk nya Badan Otoritas Jasa Keuangan (OJK) sebagai lembaga pemeriksa dan pengawasan terhadap Perbankan, dan dikeluarkannya POJK No 1/POJK.07/2013 tentang perlindungan konsumen di sektor jasa keuangan diharapkan dapat mengurangi pelanggaran terhadap perlindungan konsumen di sektor jasa keuangan. Permasalahan dan tujuan dari penelitian ini antara lain untuk mengetahui penerapan asas keseimbangan dalam perjanjian kredit perbankan berdasarkan ketentuan peraturan perundang-undangan yang berlaku dan pasca dikeluarkanya POJK No 1/POJK.07/2013 dan bagaimana akibat hukum terhadap perjanjian kredit yang tidak menerapkan asas keseimbangan. Metode penilitian yang digunakan dalam tesis ini yaitu tipe penilitian yuridis empiris. Sumber bahan hukum yang digunakan adalah sumber bahan hukum premier, sekunder, dan tersier. Berdasarkan hasil penelitian, penulis menemukan bahwa, pertama, bahwa tidak ada perubahan pada perjanjian kredit pada Bank Nagari dan Bank BNI cabang dobi padang pasca dikeluarkanya POJK, karena masih ditemukan klausula-klausula yang bertentangan dengan peraturan per Undang-Undangan yang berlaku dan tidak terpenuhinya asas keseimbangan pada perjanjian kredit tersebut. Kedua, akibat hukum terhadap perjanjian kredit yang tidak memenuhi asas keseimbangan akan mendapatkan sanksi sebagaimana yang tercantum dalam pasal 53 POJK No 1 tahun 2013. Namun sampai sejauh ini apabila ditemukan pelanggaran, pihak OJK hanya memberikan sanksi berupa teguran.
Kata Kunci : Perjanjian Kredit, Asas Keseimbangan, Otoritas Jasa Keuangan
 
Perlindungan Hukum Terhadap Nasabah Deposito Dengan Bunga Di Atas Yang Diizinkan Otoritas Jasa Keuangan
Get PDFThe main factor for the weakness of the customers is the lack of public awareness of the rights. In order to attract more customers, some bank offer higher rate of interest above allowed by Financial Services Authority (OJK) or protected by Saving Guaranty Institution (LPS). The problem is how is the protection to customer in who involves in such agreement. The study was conducted at PT BPR Bharma Pejuang EmpatLima Tanjung Pati District of Lima Puluh Kota. The research method used is empirical juridical approach. The result of this research is that the factors influencing the determination of deposit rates higher than LPS the target of desired profit, competition among other commercial bank and Bank Overhead Cost. In order to avoid any lawsuit, the bank requires the customer to sign a declaration that fund will be kept in even though it is not guaranteed by LPS. Actually there is no legal protection for the customer since the deposit interest rate is not in accordance with the LPS provisions. Let alone the customer has signed the letter that the fund is not guaranteed by LP. It is suggested that OJK and the Deposit Insurance Agency take firm action against BPR that gives interest which are not in accordance with LPS provisions. The customers should be are more careful in saving and not just expect higher profit but ignore the possible risk. The customer should not sign a statement that his fund would not protected by LPS because it will be is detrimental for security deposited fund
Penentuan Harga Jual Beli Tanah Dalam Pemungutan Bea Perolehan Hak Atas Tanah Dan Bangunan Di Kota Pekanbaru
No full textThe transfer of rights due to the sale and purchase of land and or building by an individual or entity may incur tax liability, usually called Tax on Right on Land and Building Granting or BPHTB as local tax imposed to a buyer. The basis for imposition of BPHTB is the Value Object Tax (NPOP) or the transaction price. If the NPOP is unknown or lower than the Taxable Sales Value (NJOP) of the tax on Land and Building (PBB) in the year of acquisition, the tax basis used is NJOP PBB. The BPHTB payment is based on the Self-Assessment System, in which the taxpayer is trusted to calculate his self. This article is aimed to determine of the sale and purchase price of land in the collection of BPHTB in Pekanbaru City. The research concludes that the determination of the sale and purchase price of land by Local Income Office or BAPENDA in collecting BPHTB is through adjustment of NJOP at Letter of Owed Tax Announce (SPPT) of PBB at the time of reporting SSPD BPHTB compared to the location of the object BPHTB by the Land Value Zone Appraiser( ZNT), or by conducting a field inspection of the BPHTB object of a sale and purchase agreement made by a Notary is referred to as a Deed of Sale and Purchase Agreement or PPJB fulfilling the conditions stipulated in Article 1320 of the Civil Code will be the basis in forming of AJB by PPAT and SSPD BPHTB form which has been filled completely the taxpayer along with the required payment proof for the verification of SSPD BPHTB form
Pembuatan Surat Kuasa Membebankan Hak Tanggungan (SKMHT) Pada Pengalihan Hutang Kredit Di PT. BRI Agro Cabang Pekanbaru
Get PDFThe collateral is one of most important the elements in facilitating loan by a bank, no matter how other elements have been able to convince the bank against security and legal certainty in the credit repayment that. In practice, collateral factor is also important in the valuation of the credit value released, because the credit disbursed by the bank contains risks. Letter of authority to charge Mortgage (SKMHT)n is a power granted by the party to charge a person special authority to charge an object especially land with mortgage. Notary has the authority to make SKMHT for the lands throughout the territory of Indonesia, while Land Deed Making Officer (PPAT) may only make SKMHT for lands within its permitted territorial, especially in places where there is no Notary in charge. SKMHT formation other than by a Notary is also assigned to PPAT, because PPAT which its existence depend on the area where he permitted by regulation related to his function and duty on land affair. SKMHT basically does not contain other legal acts either in the form of selling, renting the object of mortgage right, as it is regulated in Article 15 paragraph (1) of the Mortgage Act. Therefore, it can be said that SKMHT is not a guarantee, but as an early effort for the debtor to provide confidence to the bank, that the debtor has good faith in the credit agreement by granting power to the bank to increase the position of land used for collateral to the Deed of Assignment Rights
Keabsahan Perjanjian dengan Klausul Baku
Get PDFThe application of standard contract, as at the beginning of its establishment has been creating a controversy related to its existence as well as its legal standardized contract. Indonesian Civil Code (KUHP perdata) does not specifically regulate the standard. The research is focused on two problems which are; the legality of agreement using standard clause and the absence of freedom of contract principle. This research is a normative research that is referred to the constitutional regulation and jurisprudence using legal material both primary and secondary. The legal material is compiled through literacy study which is qualitatively analyzed. This research has concluded; first, the agreement contains of standard clause is no longer being mattered whether it is legal or illegal agreement. However, the more important point is the rationality of the standardized clause substance. Second, normatively, there is no legal effect as the result of the absence of freedom of contract principle in the agreement
The Role Of National Land Agency In Acceleration Of Land Registration For Legal Certainty
Get PDFObserving a lot of land conflicts in Indonesia which is constantly increasing, and followed by the rapidly growing populations that caused the demand for land will also increase automatically. While the number of the available land is limited (not increasing). This condition will surely causes problems on controlling and ownership of the land. This research aims to identify the factors which causes conflict (dispute) of land, by doing inventory to the lands which is owned by the community (whether it is registered or not registered). From this temporary research result, it is known that, the implementation of the land registration in Deli Serdang district (the research location) has not happened as expected. It can be seen from the number of land which has not been registered, this condition will certainly trigger conflicts or disputes in society, both ownership boundary disputes, control of illegal land (arable land), inheritance disputes, etc. Certificate ownership mostly only exist in urban area. The lack of interest by the community to join the land registration is due to various of reasons, which is: 1) the community do not recognized the purpose of land registration, 2) the cost is expensive, 3) the management is convoluted, 4) the community feels that it is not a necessary to do it, 5) arable land. In this research, the role of National Land Agency (NLA) as the organizer of land registration has not been surely prominent, it is visible that the NLA office is more passive, which is only waiting for the arrival of the owner land to register their lands, NLA should be more involved in land registration and followed by socialization, counseling for the community. As well for the land disputes which is in the region of the Land Office until this moment is currently unfinished and still having a lot of problems, in order to achieve the above purpose, Deli Serdang Land Office has taken steps by empowering all the existing abilities, it has been a huge duty for Land Office, by remembering there will be more and more usage and utilization in the future, while the available land is limited, and hoping that the community will be motivated to registered their lands for achieving the legal certainty
Penegakan Hukum Tanah
Get PDFTanah memiliki peran penting terhadap hajat hidup manusia dan kebutuhan ekonomis terhadap tanah yang berbanding terbalik dengan ketersediaan jumlah tanah (cendrung bersifat statis) menjadi salah satu faktor pemicu lonjakan angka sengketa, konflik dan perkara pertanahan yang terjadi di Indonesia. Alih fungsi lahan dapat sebagai pemdorang terjadinya sengketa diikuti perkembangan pembangunan perkebunan yang terus meningkat sehingga menyebabkan meningkatnya kebutuhan akan lahan. Hak komunal atas tanah masyarakat hukum adat perlu diberikan perlindungan hukum. Hak Komunal tersebut diatur dalam Peraturan Menteri Agraria/Tata Ruang dan Kepala BPN Nomor 10 Tahun 2016, dan khususnya termaktup dalam Pasal 16 ayat 1 h jo Pasal 53 UUPA, Bila terjadi sengketa hak atas tanah yang diberikan kepada subjek hukum dengan hak komunal masyarakat hukum adat maka hukum harus ditegakkan dalam penyelesaiannya dapat diselesaikan melalui Pengadilan (litigasi) lembaga yang mempunyai kewenangan untuk menyelesaikan sengketa dan penyelesaian sengketa non litigasi atau penyelesaian sengketa alternative (alternative disputes resolution). Alternatif penyelesaian sengketa berupa win-win solusen yang dapat memberikan kemamfaatan bersama.
Kata Kunci : tanah, hak komunal, sengketa, masyarakat hukum adat
Balik Nama Sertipikat Hak Milik (SHM) Berdasarkan Pengikatan Jual Beli Yang Penjualnya Meninggal Dunia Di Sumatera Barat
No full textThe basic concept of land buying and selling is clearance and cash. If this concept cannot be fulfilled, it does not mean that the transactions cannot be carried out. In this situation, notary may use another instrument that is by making Commitment of Sale and Purchase Agreement (PJB). The Commitment can be made through the Commitment of PJB which is not fully paid and the agreement of the Commitment of PJB full payment. In the case the seller with the authority to sell, passed away before the signing of Commitment, the problems will arise. The first how is the process of completion of The Commitment of PJB? The second, how is the law protection on the buyer in the process of title transfer of the certificate of ownership based on The Commitment of PJB.? The third how is the title transfer of the certificate of property rights based on The Commitment of PJB? The results showed that the process of completion of the sale and purchase of land through The Commitment of PJB in which the seller passed away is carried out by tracking down the heirs, the protection of law against buyers in the process of title transfer of property certificates is done by filing a court suit to obtain a court decision. The process of title transfer of the property certificate in The Commitment of PJB agreement in can be executed by tracking down the heirs and / or by court decisio
Analisis Hukum Kebijakan Daftar Negatif Investasi Berdasarkan Peraturan Presiden Nomor 44 Tahun 2016 Terhadap Pengusaha Ritel Indonesia
Get PDFThis study aims to determine the implementation of Presidential Regulation No. 44 of 2016 for retailers in Indonesia as well as to know the application of foreign investment in the retail sector in Makassar.
This research is an empirical normative research based on library research with regard to the prevailing laws and regulations, legal literature such as books, journals, articles on the internet as well as other legal materials and field studies. The results of this study indicate that given the opportunity for foreign investors to own a maximum of 67% shares, it is considered a policy that causes no restrictions on ownership in the retail industry, so that the attitude of openness is expected to encourage the growth of modern retail expansively. Given the rapidly growing growth of the retail industry, one of the alternative solutions to zoning problems for large-scale modern retailers is required to be in a mall or shopping mall but so far this location permits are not observed by a number of modern retailers
Keywords: Foreign Investment, Retail, Modern Retail, Traditional Retai
Pengalihan Kewenangan Pemberian Izin Usaha Pertambangan Mineral-Batubara Oleh Pemerintah Daerah
Get PDFWith the enactment of Law Number 23 of 2014 on Regional Government, there is a change of authority between the central government, provincial and district governments. Article 4 paragraph (1) of the Law says that "the administration of the forestry affair, marine and mineral resources energy is divided between government and government province". When viewed from the matrix of division of authority between the central government, provincial government and thedistrict (kabupaten)/ city (kota) government it will be very clear that the district government does not have the authority, as under the previous Law on Regional Government. The problem will cause disputes between the provincial and district governments in issuing permit in mining because mining has been the source of income for the regions. In the Law Number r23 of 2014 on the Regional Government of the district / City Government does not have the authority to issue IUP (Mining Business License). Article 37 of Law Numberr 4 of 2009 concerning Mineral and Coal Mining states that the Regency / City Government has the authority to issue Mining Permit or IUP. This regulation then becomes an obstacle in its application, especially at the regional level as does the province of Western Sumatra, because there is no technical rule that can then become the base of rights for the provincial government to take over the authority of the district government as mandated by Law Number 23 of 2014 on Regional Government. Under such conditions the Ministry of Home Affairs issued a Circular Letter of the Minister of Home Affairs No.120 / 253 / SJ on the Implementation of Government Affairs After the enactment of Undang-Undang Nomor 23 Tahun 201