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Peer to Peer Lending Sebagai Alternatif Penyaluran Pembiayaan Lembaga Keuangan Mikro Trinov Gira Thimoteus Sihite; Akhmad Budi Cahyono
Jurnal Analisis Hukum Vol 5 No 1 (2022)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (434.527 KB) | DOI: 10.38043/jah.v5i1.3488

Abstract

The regulation and supervision of the distribution of capital in a Microfinance Institution is currently still not running optimally considering that there are still many entities that have limited operational capital to develop their businesses. This encourages an innovation for those who are careful in seeing economic opportunities, one of which is Fintech Lending. Fintech as one of the digital pioneers that can accelerate economic turnover and facilitate financial transactions, including access to funding for the public. It is hoped that the disruption of technology can increase competition among financial services business players in Indonesia. The purpose of this study is to determine the presence and function of Fintech Lending as an alternative source of financing solutions for Microfinance Institutions who are experiencing capital difficulties to do business, and to provide understanding to Microfinance Institutions regarding preventive and repressive legal protection if one day a Microfinance Institution enter into a cooperation agreement to conduct a microfinance project. The research method used is normative, namely through literature review/legal documents. The results of the study show that Fintech Lending can collaborate with Microfinance Institutions to realize equitable distribution of the people's economy.
Shipwrecks of Feasibility in the Field of Investment Business Bintang Parashtheo; Akhmad Budi Cahyono
LEGAL BRIEF Vol. 11 No. 6 (2023): February: Law Science and Field
Publisher : IHSA Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/legal.v11i6.727

Abstract

Indonesian Valuable Objects on the Load of Sinking Ships (BMKT) have a large potential. This makes the ships buried in Indonesian territorial seas a tremendous resource. Illegal treasure hunters have targeted Indonesia's BMKT because to its great potential, causing considerable losses.  Realizing this, it is vital to pay attention to Valuable Items on the Load of Sinking Ships (BMKT) and develop rules to maximize their potential. This study aims to analyze the policies governing BMKT to support investors in participating in investing in the business sector of BMKT management and creating BMKT management that is optimal and feasible for all aspects of the values contained in the BMKT itself. The approach method used to achieve this research is an approach focused on regulations or policies (statute approach) and conceptual analysis. The result showed that there is still substantial overlap between regulations controlling BMKT, making BMKT administration feasible. In spite of this, the Economic Analysis of Law is used to explain the expansion of the legal dimension through its studies. In addition, the economic value and cultural legacy of BMKTs that cannot be appointed due to the difficulties of appointment or the impossibility of relocation may be used on-site via marine tourist activities, notably diving tourism. As such, investors who wish to participate in the business sector of BMKT management may use BMKT more properly and optimally, including local and international investors.
KEDUDUKAN OBJEK HAK TANGGUNGAN SEKURITISASI ASET KREDIT KEPEMILIKAN RUMAH PT SARANA MULTIGRIYA FINANSIAL (PERSERO) Sita Adelia Jatu Wijayanti; Akhmad Budi Cahyono
JURNAL DARMA AGUNG Vol 31 No 5 (2023): OKTOBER
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Darma Agung (LPPM_UDA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46930/ojsuda.v31i5.3709

Abstract

Sekuritasasi aset kredit menyebabkan beralihnya risiko kredit dan merubah aset pinjaman yang tidak likuid menjadi aset likuid. Permasalahan yang terjadi adalah pada saat peralihan tagihan KPR dari Originator kepada PT SMF (Penerbit EBA) sehingga mengakibatkan beralihnya hak tanggungan yang melekati piutang KPR tersebut kemudian tidak segera dicatatkan di Kantor Pertanahan. Penelitian ini bertujuan menganalisis akibat peralihan tagihan KPR dari Originator kepada Penerbit EBA dan kedudukan objek hak tanggungan dalam sekuritisasi aset KPR oleh PT SMF dan diharapkan dapat meningkatkan pemahaman masyarakat serta kepercayaan diri bank dalam memilih instrumen sekuritisasi tagihan KPR. Penelitian ini bersifat yuridis normatif dengan teknik pengumpulan bahan hukum studi kepustakaaan. Hasil penelitian menunjukkan Pemegang hak tanggungan semula bank penyalur selaku Originator kemudian beralih kepada Pemegang EBA-SP yang diwakili Wali Amanat dan/atau Bank Kustodian setelah adanya sekuritisasi atas tagihan KPR tersebut. Tanpa ada pendaftaran dan pencatatan di Kantor Pertanahan atas peralihan hak tanggungan yang melekati piutang mengakibatkan secara administrasi yang berkedudukan sebagai Pemegang Hak Tanggungan adalah tetap Originator sebagai Bank Penyalur KPR.