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JURIDICAL ANALYSIS OF DEBT COLLECTIONS TOWARDS DEFAULT DEBTOR WHICH DEBT HAS MATURED AS THE TIME WHEN THE DEBT ACKNOWLEDGMENT LETTER HAS NOT ENDED Tommy Leonard; Elvira Fitriani Pakpahan; Helen Jennyver Yang
International Journal of Latin Notary Vol. 2 No. 02 (2022): Internasional Journal of Latin Notary, March 2022
Publisher : Magister Kenotariatan Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/journal.v2i02.39

Abstract

One of the forms of trust between one individual with the others is by making a mutual agreement that is outlined in a written agreement. In the process of it, there are certain conditions that might result in the termination of the agreement as there is default in the written agreement. One of the forms of written agreement that has been stated is debenture note. As if the case of Supreme Court Decision No. 3051/K/Pdt./2017 pertaining to creditor collect debt towards debtor in which the debtor has been negligent and not able to settle the debt throughout 3 (three) months successively as the debt acknowledgment letter has not ended with the result that creditor accuse the debtor to be seized its collateral. Research Methodology that is being used is, juridical normative law research methodology. Inasmuch as juridical normative law research methodology therefore sources and types of data focused on secondary data. Through this research it can be concluded that, debt acknowledgement letter that is made under consideration of Supreme Court Judge is not based on when is the end of the acknowledgement letter, but it is more to the substance of the contents of the debt acknowledgement letter which is the primary essence of the birth of its debt recognition, where both sides agreed the debt shall be collected immediately for 3 (three) months successively.
FREEDOM OF CONTRACT IN MORTGAGE LOAN AGREEMENT AT PT. BANK CIMB NIAGA, TBK. IN MEDAN Tommy Leonard; Elvira Fitriyani Pakpahan; Kevin Alexander
International Journal of Latin Notary Vol 2 No 02 (2022): Internasional Journal of Latin Notary, March 2022
Publisher : Magister Kenotariatan Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/journal.v2i02.42

Abstract

In a credit agreement, the position of the bank as a creditor and the customer as a debtor is never balanced. The position of the bank is stronger than that of potential customers. Whereas freedom of contract can only achieve justice if the parties have a balanced bargaining power. Unbalanced bargaining power occurs when a strong party can impose his will on a weak party, until the weak party only follows the terms of the contract proposed to him. Given that in the credit agreement there has been a contractual relationship and the clauses tend to favor the bank as the creditor, in a credit agreement, mostly for debtors its only a take it of leave it option, so that the opportunity to negotiate as an initial process of obtaining an agreement is small and even neglected. The research is used a empiric juridical legal research method. Data sources from the research were derived from secondary data consisting of legal materials and legal documents that became the basic foundation for answering problems in this study. The results of this study revealed that the completion of defaults in the mortgage loan agreement can be made before it is executable. Settlement of the default can be done by reschedulling, re-requirements and rearrangegement.
KEABSAHAAN AKTA PENGIKATAN JUAL BELI TANAH OLEH PENJUAL TERINDIKASI AKTA TIDAK OTENTIK (STUDI KASUS PUTUSAN MA NOMOR 351 PK/Pdt/2018) Cynthia Phinaldo; Tommy Leonard; Kartina Pakpahan
Lex Librum : Jurnal Ilmu Hukum Vol 9, No 1 (2022): Desember
Publisher : Sekolah Tinggi Ilmu Hukum Sumpah Pemuda Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46839/lljih.v9i1.813

Abstract

Abstrak Seorang Notaris berkewajiban untuk memastikan seluruh isi yang dituangkan kedalam akta telah dipahami dan sesuai dengan keinginan oleh para pihak. Notaris diharuskan untuk membacakan akta yang sudah dibuatnya dan membuat sebuah keterangan terhadap kondisi penghadap ketika pembacaan akta. Ketika terdapat salah paham diantara para pihak yang terlibat dengan akta yang dibuat oleh notaris, hal tersebut dapat menyebabkan timbulnya ketidakjelasan bagi akta yang telah dibuat oleh notaris. Ini mengakibatkan kekuatan dan kegunaan akta notaristersebut patut dipertanyakan dan juga termasuk tanggung jawab dari Notaris yang secara sengaja tidak membacakan akta dihadapan para pihak. Permasalahannya bagaimana keabsahan perjanjian jual beli hak atas tanah dalam perkara MA Nomor 351 PK/Pdt/2018), bagaimana pertanggungjawaban notaris atas tindakan tidak membacakan akta pengikatan jual beli berdasarkan perkara MA Nomor 351PK/Pdt/2018, bagaimana analisis pertimbangan majelis hakim dalam putusan MA No.351PK/Pdt/2018 mengenai akta PPJB hak atas tanah oleh pihak calon penjual karenaadanya akta tidak otentik. Metode penelitian digunakan adalah yuridis normatifdan peneliti menggunakan pendekatan Studi Kasus, bahan hukum berupa primer,sekunderdantersier.Tesis ini menggunakan metode kualitatif untuk analisis data.Hasilpenelitianmenunjukkan bahwa Keabsahan PPJB pada Putusan MA adalahtidak sah hal ini dapat dikatakan bahwa Notaris secara sengaja tidak membacakanakta kepada penggugat merupakan suatu pelanggaran yang berakibat kepada aktayang dibuatnya tersebut menjadi batal demi hukum dan kekuatan pembuktiannya menjadi sebuah akta dibawah tangan. Notaris bertanggungjawab secara administratif dan perdata karena secara sengaja tidak membacakan akta Perjanjian Pengikatan Jual Beli kepada penggugat. KataKunci: HakAtas Tanah, Akta PPJB, Akta TidakOtentik, Kelalaian Abstract Notary have an obligation to read the deed made to the appeared and is required to write a statement on the condition of the appeared when he appears before the notary explanation for the deed not being read. If there is a misunderstanding of the parties to the deed, causes confusion over the deed made, the usefulness of the notary deed is questionable and includes the responsibility of the Notary who deliberately did not read the deed in front of the parties. The problem is in the form of the validity of the agreement to buy and sell land rights in the Supreme Court case Number 351PK/Pdt/2018, accountability for notaries who are negligent in implementing the code of ethics and the considerations of the panel of judges in the Supreme Court case decisions. Research is to find out the validity of the agreement to buy/sell land rights, accountability for notaries who are negligent in implementing the code of ethics and the considerations of the panel of judges in the Supreme Court case decisions. Normative judicial is the research method used in this thesis and the researchers used a case study approach, legal materials in the form of primary, secondary and tertiary. Study results show that the validity of the Supreme Court's decision is invalid. The notary did not read the deed to the plaintiff, which was a violation which resulted in the deed being null and the strength of evidence became an underhanded deed. The notary is civilly responsible for intentionally not reading the deed of agreement to the plaintiff. Keywords: Land Rights, Inauthentic deed, Agreement, Negligence
PERLINDUNGAN HUKUM TERHADAP PIHAK KREDITUR AKIBAT RISIKO KREDIT DALAM TRANSAKSI FINTECHT BERBASIS P2P LENDING Tommy Leonard; Natasia Sitompul; Willy Tanjaya; July Esther
UNES Law Review Vol. 5 No. 4 (2023): UNES LAW REVIEW (Juni 2023)
Publisher : LPPM Universitas Ekasakti Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v5i4.533

Abstract

The type of fintech peer-to-peer lending that has experienced the most growth in Indonesia is a type of financial technology that allows customers to get loans with simple, easy and fast procedures and does not require them to have collateral. But in reality, this fintech presents a very high credit risk. This is due to the efforts of fintech companies. as a coordinator when other financial institutions' standards are not met when evaluating buyers. Consequently, there is a need for preventive legal prescriptions and protection, especially for lenders. This is managed in the Financial Services Authority regulation Number.77.01.2016 regarding the implementation of information technology-based money lending and the Financial Services Authority regulation Number.1.07.2013 regarding Consumer Protection in the Financial Services Sector. Both of these regulations can be found on the official website of the Financial Services Authority (OJK). Lenders have sufficient legal protection thanks to these two POJKs, but additional legal protection is needed, particularly in the area of ​​credit risk reduction.