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Journal : DE LEGA LATA: Jurnal Ilmu Hukum

PERLINDUNGAN HUKUM TERHADAP KREDITUR DALAM PEMBEBANAN HAK TANGGUNGAN OBJEK YANG BELUM TERDAFTAR agustia, tria; Mirwati, Yulia; Azheri, Busyra
DE LEGA LATA: JURNAL ILMU HUKUM Vol 5, No 1 (2020): Januari - Juni
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (633.118 KB) | DOI: 10.30596/dll.v5i1.3493

Abstract

This research was conducted in the area of Tulang Bawang Regency, Lampung Province, where it was found that there were still very many people who only had a Land Certificate (SKT) or a Statement of Physical Ownership and Control of a Land Sector (Sporadic) as proof of land ownership and they wanted to get credit facilities by guaranteeing Land Certificate (SKT) or Statement of Ownership and Physical Control of the Land Sector (Sporadic). The subject matter examined is the legal protection in the imposition of mortgage rights of objects that have not been registered as collateral. This type of research is empirical research. The results showed that the legal protection of creditors in the imposition of mortgage rights for objects that have not been registered is holding on a credit agreement that is domiciled as the principal agreement that binds the parties that made it and on the power of attorney to sell the collateral that was signed when signing the credit agreement.This research was conducted in the area of Tulang Bawang Regency, Lampung Province, where it was found that there were still very many people who only had a Land Certificate (SKT) or a Statement of Physical Ownership and Control of a Land Sector (Sporadic) as proof of land ownership and they wanted to get credit facilities by guaranteeing Land Certificate (SKT) or Statement of Ownership and Physical Control of the Land Sector (Sporadic). The subject matter examined is the legal protection in the imposition of mortgage rights of objects that have not been registered as collateral. This type of research is empirical research. The results showed that the legal protection of creditors in the imposition of mortgage rights for objects that have not been registered is holding on a credit agreement that is domiciled as the principal agreement that binds the parties that made it and on the power of attorney to sell the collateral that was signed when signing the credit agreement.
KEWENANGAN PENYELESAIAN SENGKETA KONSUMEN LEMBAGA PEMBIAYAAN ANTARA BADAN PENYELESAIAN SENGKETA KONSUMEN (BPSK) DENGAN LEMBAGA ALTERNATIF PENYELESAIAN SENGKETA (LAPS) Titia Tauhiddah; Busyra Azheri; Yussy Mannas
DE LEGA LATA: JURNAL ILMU HUKUM Vol 5, No 1 (2020): Januari - Juni
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (459.208 KB) | DOI: 10.30596/dll.v5i1.3472

Abstract

One of the government's efforts to resolve consumer disputes through non-litigation is through the Consumer Dispute Resolution Agency (BPSK). In addition, the Financial Services Authority (OJK) also mandates the establishment of institutions to resolve financial service sector consumer disputes, namely the Alternative Consumer Dispute Resolution Institute (LAPS). The study was conducted normatively. The study emphasizes the authority to resolve consumer disputes at financial institutions between BPSK and LAPS. The results show that BPSK has the authority to settle final consumer disputes, the authority exercised by BPSK is regulated in the Decree of the Minister of Industry and Trade of the Republic of Indonesia Number: 350 / MPP / Kep / 12/2001 concerning the Implementation of the Duties and Authorities of the Consumer Dispute Resolution Board and the Republic of Indonesia's Minister of Trade Regulation Indonesia Number 06 / M-DAG / PER / 2/2017 concerning the Consumer Dispute Resolution Board. It's just that the decisions issued by BPSK related to the case of financial institutions, especially those containing elements of the credit agreement are often canceled by the Supreme Court because BPSK considered not authorized to settle disputes that contained the agreement element. The authority of LAPS is regulated in POJK Number 1 / POJK.07 / 2014 concerning Alternative Institutions for Settlement of Financial Services Sector Disputes. LAPS divides financial services sector dispute resolution institutions into 6 institutions, the establishment of which is carried out by the OJK in collaboration with Financial Services Institutions. LAPS which has the authority to settle consumer financing company disputes is BMPPVI (Indonesian Ventura Medication, Financing, And Capital Mediation Agency).