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Penggunaan Penjaminan Buy Back Guarantie oleh Developer terhadap Kredit Pemilikan Rumah (Studi Kasus di Bank Bukopin Cabang Medan)
No full textNowadays, the competition in housing business is increasing. A cooperation
agreement between developers and the Bank with buy back guarantee is signed. It is
intended to cope with the problem of housing buy and sell in which the certificates
are not ready yet, or it is still in a master so that only the developer and the consumer
who sign the buy and sell form. When the certificate is ready, the consumer will be
summoned to sign for the second time, signing the buy and sell certificate with the
developer and the Bank since the certificate is used as collateral. This method is
actually very risky for the Bank as a financier since it does not have the right for
preference on collateral which is related to credit facility which has been given to
consumers/debtors. In order to cope with the risk problem, in the cooperative
agreement between the Bank and the developer, a promise from the developer is
attached in the contract. The developer intends to repurchase the collateral when the
credit given by the Bank to the debtor is suspended or nonperforming loan before the
certificate on the collateral is issued.
The research used judicial normative and descriptive analysis approach. The
data were gathered by using secondary data which consisted of primary, secondary,
and tertiary legal materials as the primary data. The gathered data were then
interpreted logically and systematically by using deductive thinking method.
The result of the research showed that the position and the role of the buy
back guarantee in the buy and sell transaction of housing unit with KPR facility was
that the developer would buy the land and building which had been sold if the debtor
ignored. Besides that, the guarantor would help the Bank until the Bank
obtained/controlled the land and its building. The collateral offered by the developer
will be effective sustainably until the debtor's debt to the Bank had been paid off. The
legal relation among the parties in fulfilling the obligation of buy back guarantee and
the legal relation between developer and debtor was reciprocal legal relation
through subrogation institution. The realization of buy back guarantee was that the
Bank/creditor had three alternatives to settle and return its rights,: the Bank carried
out its rights based on the contract with the debtor, or carried out its rights based on
the buy back guarantee contract.Saat ini dengan meningkatnya persaingan dari segi bisnis perumahan, antara
developer dengan Bank telah dibuat suatu perjanjian kerjasama dengan buy back
guarantie. Hal ini dimaksudkan untuk mengatasi masalah jual beli rumah dimana
sertipikat belum siap, atau masih induk sehingga antara developer dengan konsumen
menandatangani perjanjian pengikatan jual beli dan nanti setelah sertipikat sudah siap
untuk dilakukan jual beli, konsumen akan dipanggil kembali untuk penandatanganan
yang kedua, yaitu penandatanganan akta jual beli dengan developer dan pengikatan
agunan dengan Bank. Hal ini sebenarnya cukup berisiko bagi Bank selaku
penyandang dana, karena Bank belum mempunyai hak preferensi atas agunan
berkaitan dengan fasilitas kredit yang telah diberikan kepada konsumen/debitor.
Untuk mengatasi masalah resiko, maka dalam Perjanjian Kerjasama antara Bank
dengan developer dicantumkan suatu janji dari developer untuk membeli kembali
agunan apabila fasilitas kredit yang diberikan Bank kepada debitor tersebut tidak
lancar pembayarannya atau terjadi kredit macet sebelum sertipikat atas agunan
tersebut diterbitkan.
Metode penelitian yang digunakan adalah pendekatan yuridis normatif yang
bersifat deskriptif analisis, pengumpulan data dilakukan dengan menggunakan data
sekunder berupa bahan hukum primer, sekunder dan tertier sebagai data utama. Datadata
yang diperoleh kemudian diolah, dianalisis dan ditafsirkan secara logis,
sistematis dengan menggunakan metode berpikir deduktif.
Dari hasil penelitian diketahui bahwa kedudukan dan peranan penjaminan buy
back guarantie dalam transaksi jual beli unit perumahan dengan fasilitas KPR adalah
developer akan membeli tanah dan bangunan yang telah terjual dalam hal debitor
lalai, selain itu penjamin akan membantu bank sampai bank mendapat/menguasai
tanah dan bangunan, jaminan yang dilakukan developer akan berlaku terus menerus
dan berlangsung sampai hutang debitor kepada bank telah dibayar lunas. Bentuk
hubungan hukum para pihak dalam pemenuhan kewajiban penjaminan buy back
guarantie adalah hubungan antara Bank dengan debitor diatur dalam perjanjian
kredit, sedangkan antara bank dengan developer diatur dalam perjanjian buy back
guarantie, kemudian antara developer dengan debitor hubungan hukum yang timbul
adalah melalui lembaga subrogasi. Mengenai realisasi jaminan buy back guarantie,
bank/kreditor mempunyai 2 (dua) alternatif pilihan untuk menyelesaikan dan
mengembalikan haknya, yaitu Bank melaksanakan hak-haknya berdasarkan
perjanjian yang dibuat dengan debitor, atau melaksanakan hak-haknya berdasarkan
perjanjian buy back guarantie.124 HalamanTesis Magiste
Analisis Kewirausahaan Muslim Terhadap Keberhasilan Usaha
No full textThe main problem of this research is how to analyze the relationship between the level of knowledge of Muslim entrepreneurs and the success of a business (a case study of Muslim entrepreneurs in Benteng District, Selayar Islands Regency) The main problem is raised into several sub-problems or research questions, namely: how is the relationship between the level of knowledge of Muslim entrepreneurs and the success of a business. This type of research is classified as quantitative research is a research method that is inductive, objective, and scientific in which the data obtained is in the form of numbers (score, value) or statements that are scored, and analyzed by statistical analysis. The source of data for this research is the Muslim community who work as entrepreneurs. The data collection methods used are interviews and questionnaires. Data management and analysis techniques are carried out by validity test, reliability test, simple regression analysis, correlation coefficient, determination coefficient test (R2), and t-test (partial). The results of this study indicate that: the correlation coefficient is 0.561 this value can be interpreted based on the correlation coefficient guidelines, that the relationship between the two research variables is in the category of moderately correlated relationships. And the coefficient of determination (R2) of 0.35.9 which means that the explanation of variable X to variable Y is 35.9% and the rest is explained by other variables not examined by researchers. Although the correlation coefficient test states that the level of correlation is sufficient, the partial t-test still shows that the t-count value is 3.570 and the t-table value is 1.991, which means t-count > t-table with a significance value of 0.00
Going Beyond Counting First Authors in Author Co-citation Analysis
Get PDFThe present study examines one of the fundamental aspects of author co-citation analysis (ACA) - the way co-citation
counts are defined. Co-citation counting provides the data on which all subsequent statistical analyses and mappings
are based, and we compare ACA results based on two different types of co-citation counting - the traditional type that
only counts the first one among a cited work's authors on the one hand and a non-traditional type that takes into
account the first 5 authors of a cited work on the other hand. Results indicate that the picture produced through this non-traditional author co-citation counting contains more coherent author groups and is therefore considerably clearer. However, this picture represents fewer specialties in the research field being studied than that produced through the traditional first-author co-citation counting when the same number of top-ranked authors is selected and analyzed. Reasons for these effects are discussed
Variations on the Author
Get PDF“Variations on the Author” discusses two of Eduardo Coutinho’s recent films (Um Dia na Vida, from 2010, and Últimas Conversas, posthumously released in 2015) and their contribution to the general question of documentary authorship. The director’s filmography is characterized by a consistent yet self-effacing form of authorial self-inscription: Coutinho often features as an interviewer that rather than express opinions propels discourses; an interviewer that is good at listening. This mode of self-inscription characterizes him as an author who is not expressive but who is nonetheless markedly present on the screen. In Um Dia na Vida, however, Coutinho is completely absent form the image, while Últimas Conversas, on the contrary, includes a confessional prologue that moves the director from the margins to the center of his films. This article examines the ways in which these works stand out in the filmography of a director who offers new insights into the notion of cinematic authorship
Appropriate Similarity Measures for Author Cocitation Analysis
Get PDFWe provide a number of new insights into the methodological discussion about author cocitation analysis. We first argue that the use of the Pearson correlation for measuring the similarity between authors’ cocitation profiles is not very satisfactory. We then discuss what kind of similarity measures may be used as an alternative to the Pearson correlation. We consider three similarity measures in particular. One is the well-known cosine. The other two similarity measures have not been used before in the bibliometric literature. Finally, we show by means of an example that our findings have a high practical relevance.information science;Pearson correlation;cosine;similarity measure;author cocitation analysis
Dispelling the Myths Behind First-author Citation Counts
Get PDFWe conducted a full-scale evaluative citation analysis study of scholars in the XML research field to explore just how different from each other author rankings resulting from different citation counting methods actually are, and to demonstrate the capability of emerging data and tools on the Web in supporting more realistic citation counting methods. Our results contest some common arguments for the continued
use of first-author citation counts in the evaluation of scholars, such as high correlations between author rankings by first-author citation counts and other citation
counting methods, and high costs of using more realistic citation counting methods that are not well-supported by the ISI databases. It is argued that increasingly available digital full text research papers make it possible for citation analysis studies to go beyond what the ISI databases have directly supported and to employ more
sophisticated methods
koamabayili/VECTRON-author-checklist: VECTRON author checklist
No full textWe have done our best to complete the author checklist relating to the use of animals in the hut study. Note that the objective for the hut study was to evaluate the IRS treatment applications for residual efficacy against Anopheles mosquitoes, including the local An. coluzzii mosquito population. Cows were only used to attract mosquitoes into the huts and no tests were carried out directly on the cows. The author checklist is intended for use with studies where experiments are carried out on animals, which is why we have had such difficulty in completing this for the hut study, as many of the questions do not relate to how the cows were used
Author-wise bibliometric analysis based on entropy.
No full textAuthor-wise bibliometric analysis based on entropy.</p
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