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PENYELESAIAN KREDIT MACET YANG TERJADI PADA KREDIT USAHA KECIL INFORMAL PADA PT.BPR KHATULISTIWA BONJOL KANTOR PUSAT DI KECAMATAN LUBUK SIKAPING KABUPATEN PASAMAN PROVINSI SUMATERA BARAT Hendrico Rahmat; Maryati Bachtiar; Dasrol '
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 2, No 2 (2015): Wisuda Oktober 2015
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Banking institutions is a financial intermediary, which means that banks can obtainfunds from the parties that have many funds are then channeled to those who need funds.Once the magnitude of the role of money in meeting the needs, ways to earn money as asource of revenue through the proposed loans to banks and other financial institutions. RuralBank business one of which is providing credit, the practice of granting credit to customersthere are problems facing the bad credit. PT.BPR Khatulistiwa Bonjol has some kind ofcredit one of them is an informal small business loans, small business loans are used byborrowers to informal working capital or investment, which is beneficial to the debtor. In theinformal small business lending to customers there are problems of bad loans made bycustomers PT.BPR Bonjol Equator and needed resolution.The purpose of this thesis How does the process of resolving the bad debt problemthat occurs in informal small business loans on the PT.BPR Khatulisitwa Bonjol snag in thedistrict headquarters Lubuk Sikaping, Are the factors that cause bad credit happens to smallbusiness loans in the informal PT.BPR Khatulisitiwa Bonjol headquarters in district LubukSikaping, What are the obstacles that occur in the process of settlement of bad loans whichoccur in informal small business loans on the PT.BPR Khatulistiwa Bonjol snag in thedistrict headquarters Lubuk SikapingFrom this research it can be concluded that the first step taken by PT.BPRKhatulisitwa Bonjol in dealing with bad loans that occurred in informal small business loansis sending warning letters, perform settlement, sells credit guarantee is the latest step takenby PT.BPR Khatulisitiwa Bonjol, factors that cause bad credit happens to small businessloans in PT.BPR Khatulisitwa Bonjol informal headquarters in the District Lubuk Sikaping isabusing Debtor informal small business loans, impaired health Debtor, Debtor less able tomanage credit in developing, the debtor's bad faith in the resolution of bad debts, barriersthat occur in the process of settlement of bad loans which occur in informal small businessloans on the Equator PT.BPR snag in the district headquarters Lubuk debtor Sikaping is badfaith, the Equator PT.BPR Bonjol must be able to draw up a mature and predictable planningcarefully for the future business prospects of the debtor, the debtor in order to have a highawareness to fulfill its obligations to the bank and the debtor perform well before bank loansto the debtor should be able to estimate whether the development effort can pay the loancredit.Keywords: -Settlement -Bad credit -Informal small business loans

Pelaksanaan Pengangkatan Anak Menurut Hukum Adat Melayu di Kabupaten Rokan Hulu Dini Anisa Putri; Hayatul Ismi; Dasrol '
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 4, No 1 (2017): Wisuda April 2017
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Humans created by the god in the two types of men and women who has a sense of interest and need each other so intertwined a marriage to make a family. In a family that has been established then the child be something very expected for every couple. But not all of the couples are lucky in the blessed offspring. So the way to get the child by adopted a children (adoption). But adoption is not done for reasons blessed with offspring yet, but also cause the children’s parent can’t afford the children lives with the situation of children adopted by family / others. Adoption in every region in Indonesia has its own way and has the uniqueness. In society of Rokan Hulu adopted the children has way and . typical conditions. Customary adoption is mostly done by the society who are still strong with the customs. But after the adoption by using customary, they don’t request a court warrant as stipulated in the Indonesian government regulation No. 54 of 2007 about children adoption.This research is the sociological study of law, in this case the researchers immediately conduct investigation in complete and clear about the examined issues. The research is conduct by interview the traditional leaders and conduct questionnaires to married couples. In conducting this research, researchers want to know how the implementation of children adoption by Malay customary law in Rokan Hulu and what the legal consequences of the implementation of that children adoption.The results of this research is first in adoption of the children by Malay Customary Law of Rokan Hulu adoptive parents recourse to midwives who delivered the children lifted, with the agreement between the parents so the children is adopting with requiments of costum progenitor. Second, cause the law in adoption the children are considered part of the family adoption, adopted children entitled to an inheritance if the children has to appeal court decision in accordance with Article 9 paragraph 2 of the Indonesian Government Regulation No. 54 of 2007 about Adoption. Advice from the resecearhers is doing adoptions should be the court ruling so that the child has legal status and legal certainty so that the rights and obligations of children has a clear status. Keywords: Adoption, Malay Customary Law, Rokan hulu

TANGGUNG JAWAB MEDIA CETAK DALAM MEMUAT BERITA YANG SALAH DI PT.RIAUPOS PEKANBARU PERSPEKTIF HUKUM PERDATA Bella Nabila; Firdaus '; Dasrol '
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 4, No 2 (2017): Wisuda Oktober 2017
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Mass media is the delivery of information and communications delivered through intermediaries (media) to the general public. Mass media that is now used by the public form more diverse, one of which is the print media. In the civilization of mankind, newspapers are the oldest print mass media. A newspaper is a printed medium that contains news published every day. Newspapers are always required to reveal the truth of the news in fairness. In addition to fair reporting demands, newspapers are also required to do accurate news, which should not lie. Newspapers should always develop objective news. The information must also be balanced and fair in order that the published news does not harm the other side. But in fact, journalists could have stumbled over a case of misinformation and then it would cause harm to others. If any party feels aggrieved then a lawsuit can be executed. Therefore it is necessary to demand the responsibility of the media where the journalist works. The problems that will be discussed in this thesis is how the form of accountability of print media when loading the wrong news in the perspective of civil law.This type of research is sociological, because in this study the authors directly conduct research on the location or place studied in order to provide a complete and clear picture of the problem under study. This research was conducted at PT. Riau Pos Pekanbaru, while the population and the sample is the whole party related to the problem studied in this research, data source used, primary data, secondary data and tertiary data, data collection techniques in this study with interviews, questionnaires and literature study.From the result of the research, it can be concluded that based on Article 1365 of the Civil Code, those who feel disadvantaged over the wrong report are entitled to accountability. The print media shall perform its duty to be responsible for correcting or corrupting any wrong reporting in accordance with Article 1 Sub-Article 13 of the Correction Duty. The form of media accountability in the perspective of civil law is through the use of the right of reply or clarification of the news, through press councils, through courts or indemnities, and boycotting press companies.Keywords: Responsibility - Mass Media - Newspaper - Wrong News

THE AGREEMENT OF BORROWING MONEY FROM THE VILLAGE OWNED ENTERPRISES (BUMDes) JAYA LESTARI FOR SMALL ENTREPRENEURS KIJANG REJO DISTRICT TAPUNG KAMPAR DISTRICT Muhammad Ardiansyah; Maryati Bachtiar; Dasrol '
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 4, No 1 (2017): Wisuda April 2017
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Village owned enterprises (BUMDes) is form of cooperatives village, but with a name change, so the village-owned enterprises is not much different from the cooperative, which is a business entity consisting of persons or legal entities cooperative with the bases activity based on the principle of cooperation well as people's economic movement based on the principle of kinship. Cooperative aims for the welfare of its members. This research is located in BUMDes Jaya Lestari Jl. Saebani Kijang Rejo village Kec.Tapung Kab.Kampar. The purpose of this study was to determine the lending operations of credit in BUMDes Jaya Lestari and to find out how the settlement when the event of default in BUMDes Jaya Lestari. The method used in this research is the method of sociological research is research on the effectiveness of the law in force or a study of legal identification. In collecting data the author uses methods Interviews, namely data collection tool in the form of question and answer directly between the researcher and the debtor is to conduct interviews with the Chief Director BUMDes Jaya Lestari and has been prepared in advance of equipment used during the interview that the interview guides and study literature, the method collecting data from literature to support the primary data. The results of the authors are their written agreement as evidenced by the Lending Agreement (SP2K), Magnitude Interest Rate on BUMDes Jaya Lestari by 15% - 16% per year. Terms and conditions of lending money at BUMDes Jaya Lestari the authors see the whole field is Kijang Rejo village community and that having Enterprises. Means of dispute resolution when it occurs in BUMDes Jaya sustainable, the reprimand or a warning letter given by the BUMDes Jaya Lestari also sanctions are applied.Keywords : BUMDes, Agreement of borrowing money

TINJAUAN YURIDIS SURAT KETERANGAN (COVERNOTE) DALAM PEMBERIAN KREDIT KONSUMEN DENGAN JAMINAN SERTIFIKAT TANAH YANG DIBEBANKAN HAK TANGGUNGAN PADA PT. BPR TUNAS MITRA MANDIRI PEKANBARU Tengku Indra Adiputra; Maryati Bachtiar; Dasrol '
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 4, No 1 (2017): Wisuda April 2017
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Society generally still believe that Professional Notary And PPAT have in common, but both Profession Among these are differences, case singer or between lie caused Notary PPAT usually occupied by same thing. Notary officer sales manager that is authorized to review make authentic act and have more authority as hearts revoked Article 1 of Law No. 2 of 2014 ABOUT Amendment Act No. 30 of 2004 ABOUT Notary. And in deed between letter made by Notaries, Notary usually make certificate also, only prayer is a form of letter "Covernote".Purpose o f research singer, for knowing consideration PT. BPR Mitra Mandiri Tunas Pekanbaru with hearts give credit collateral land titles the basic differences imposed security rights basis Covernote certificate or, for knowing the position of the certificate or Covernote hearts security law on with collateral lending practices certificate soil that charged security rights.Covernote role is to help the binding process credit review what where parties BPR TMM increased its guarantee is the right of dependents. The Covernote often used as evidence assurance / grip temporary share hearts Bank credit disbursement process, then hearts certificate issuance security rights Covernote become part of the process of forming prayer events that treaty law credit loan agreement and collateral agreement / binding encumbrance. The binding process warranty certificate ground charged encumbrance until with tied with Perfect is expected to take approximately three (3) months from the date of power attorney Installing security rights (SKMHT) Published, so it can be ascertained if process of loan disbursement done taxable income the completion of the process Then binding security rights will cause operational disruption Services Bank, particularly Subscribe with lending.Supposedly There a provision as a legal umbrella Notary The issuing Covernote and parties-parties the interest thing using services Notary especially subscribe with Covernote purpose to minimize the disadvantage good from parties Notary or from parties users Notary services (Bank) and suggested shown to the parties the Bank to always do evaluation performance with Notary that has collaborated Bank, with attention to the Notary success rate fg hearts do binding of security rights.Keywords: Covernote Notary - Security Rights

PERLINDUNGAN HUKUM PIHAK YANG DIRUGIKAN ATAS TINDAKAN WANPRESTASI OLEH SALAH SATU PIHAK TERHADAP AKTA PERDAMAIAN Nicky Cobitha Febriani; Maryati Bachtiar; Dasrol '
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 5, No 2 (2018): Juli - Desember
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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The peace of deed has the power as a normal judge's decision which haspermanent legal force and against it can not be appealed or appealed. Thepurpose of writing this thesis, namely; First, the factors that lead to defaults onthe peace deed and obstacles in its settlement, Second, the legal protection of theaggrieved party by default on the peace deed and what remedies can be done.This type of research can be classified in the type of normative legalresearch. In this study the author discusses more about the principles of law,especially the principle of good faith and the principle of pacta sunt servanda inthe agreement in which the agreement referred to is a peace deed. Source of dataused, secondary data, data collection techniques in this study with literaturereview method.From the results of the research problem there are two main things thatcan be concluded. First, in this case there is a violation of the legal principles ofthe agreement and / or freedom of contract, namely the principle of pacta suntservanda and the principle of good faith. The factor of default which mostinfluences the parties is the existence of problems with the economy and theabsence of good faith from the Defendant to immediately resolve the problem ofdefault on the peace deed. The inhibiting factor in the settlement of the peace deedis also due to the lack of knowledge of the Plaintiffs on legal remedies and whatlegal protection can be taken by them as the losers. Second, the legal protection ofthe aggrieved party is still not strong enough in its implementation, the fulfillmentof this execution is carried out with the request of the winning party orally or inwriting in advance of the execution of the Court. The court makes a call againstthe Defendant who is in default to carry out the decision voluntarily (aarmaning).After the due date has not been fulfilled, it can apply for a confiscation ofcollateral. If it is still not addressed by the losing party, the Court issues adecision to make a forced decision (execution).

PERLINDUNGAN HUKUM BAGI KONSUMEN TERHADAP PEREDARAN MIE BASAH YANG MENGANDUNG ZAT BERBAHAYA OLEH PELAKU USAHA DI KOTA PEKANBARU Rian Dwiky Fernanda; Firdaus '; Dasrol '
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 5, No 1 (2018): Wisuda April 2018
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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The more advanced and growing community or consumers in Indonesia,the more consumer demands will be things practical. In eraglobal the easier thecirculation of food products from within and abroad that enter the domesticmarket so as to avoid the possibility of expired food products, and containing orcontaminated with hazardous substances and prohibited food additives such asformalin, borax, rodhamin B, methanyl yellow or processed food originating fromthe import of substandard waste food.As for the purpose of writing this thesis is To know the Legal Protectionfor Consumers Against Circulation of Wet Noodles Containing DangerousSubstance By Business Executors In Pekanbaru City, as well as obstacles.The conclusion that can be obtained from this research is, First, theprotection of the law for consumers to the circulation of wet noodles containingharmful substances by business actors in the city of Pekanbaru is still not runningproperly, where there are still many consumers who are harmed due to thecirculation of wet noodles containing hazardous substances, Second, barriers inlegal protection for consumers to the circulation of wet noodles containinghazardous substances by business actors in Pekanbaru city caused by severalfactors including, consumer factors, business actors, and government. Suggestionwriter in this research is, First, Government should increase supervision tocirculation of wet noodle containing hazardous materials in Pekanbaru City tominimize losses suffered by society Second, business actors in running theirbusiness should show good faith and give clear information of goods and orservices circulated and attempts to pay attention to consumer rights andobligations as business actors that have been formulated in the UUPK and alsoconsumers wet noodles should be more careful in buying and consuming wetnoodles to avoid danger.Keywords: Legal Conservation - Consumer - Wet Noodle - DangerousSubstance - Business Actor

IMPLEMENTASI UANG MUKA PEMBIAYAAN KENDARAAN BERMOTOR SEBESAR 20% DI PT. FINANSIA MULTI FINANCE (KREDIT PLUS) BERDASARKAN PASAL 17 AYAT (1) HURUF A PERATURAN OTORITAS JASA KEUANGAN NOMOR 29 TAHUN 2014 Edward John Meyer; Maryati Bachtiar; Dasrol '
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 3, No 2 (2016): Wisuda Oktober 2016
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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In this modern era of two-wheel motor vehicles is not difficult again for all of society. Access to motor vehicles diinginkanpun not difficult even made easy by the many financing companies do promotions to attract people in order immediately to get motorists who want to deliver advertisements, brochures or flyers motors with a new type that attract people to buy the vehicle. In providing soft loans and advances are very cheap affordable for the entire community both economic and upper or middle class. In an advance payment are set out in Article 17 paragraph 1 letter a POJK (Regulation of the Financial Services Authority) Number 29 Year 2014 About Advances Financing of Motor Vehicles, amounting to 20% (twenty percent) of the selling price of the vehicle concerned. But PT. Finansia Multi Finance (Credit Plus) does not implement the regulationThe purpose of writing this essay, namely; First, to know how is the execution of advance financing of motor vehicles by 20% in PT. Finansia Multi Finance under Article 17 paragraph (1) letter a Regulation of the Financial Services Authority, No. 29 of 2014. Secondly, to know the constraints faced by PT. Finansia Multi Finance (Credit Plus) in the implementation of credit advances at a minimum of 20% towards the purchase of motor vehicles.This type of research is a sociological research, because the authors of the study on the effectiveness of the laws in force. This research was conducted at the office of PT. Finansia Multi Finance (Credit Plus) while the sample population is a whole party related to the issues examined in this study, the data source used, primary data, secondary data and data tertiary data collection techniques in this study with interviews and studies literature.From the research problem there are two main things that can be inferred. First, many low-income consumers sehigga difficult PT. Finansia Multi Finance to implement the regulation. Second, obstacles in determining a minimum down payment of 20% is still very high both for consumers and PT. Finansia Multi Finance. Advice writer, first, to rethink the establishment of a minimum down payment of 20% for the Financial Services Authority. Second, make a well in the regulation must be submitted to the parties concerned with these regulations as well as to consumers PT. Finansia Multi Finance in order to always be on time to meet its obligations, namely to pay the monthly installments as agreed by both parties.Keywords: Implementation - Vehicle Financing - Financial Services Authority No. 29 of 2014

FUNGSI DAN PERANAN BADAN PENANAMAN MODAL DAN PROMOSI DAERAH PROVINSI RIAU Ade Christhina; Maryati Bachtiar; Dasrol '
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 2, No 2 (2015): Wisuda Oktober 2015
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Investment and Promotion Agency Region (BPMPD) Riau province is a non-departmental body directly responsible to the Governor. Investment and Promotion Agency Region (BPMPD) Riau province is a body that deals with investments both foreign investors and domestic. Investment and Promotion Agency Region (BPMPD) in charge of promoting regional potential and investment opportunities Riau, facilitate and enhance the development of investment cooperation, perform data collection, monitoring, evaluation and implementation of investment development, make efforts to the development and refinement of increased promotion and investment potential of the region, increase quality investment administration.Keywords: Investment and Promotion Area (BPMPD), Riau Province, Investors

PERLINDUNGAN HUKUM BAGI KONSUMEN AIR MINUM ATAS LAYANAN PDAM TIRTA SIAK KOTA PEKANBARU DITINJAU DARI UNDANG-UNDANG NOMOR 8 TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN Titus Alam Sinaga; Maryati Bachtiar; Dasrol '
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 3, No 2 (2016): Wisuda Oktober 2016
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Among the complaints of the customers are the taps until the water quality is very bad home-home even unfit for consumption as drinking water or for cooking. We each month to pay the bills that do not fit with the water that we use. We hold water and be spilled and dumped because the water is dirty, smelly and sometimes the smell of garbage. From the first, as this issue continues to be present when talking about PDAM Pekanbaru. Customers upset because they feel disadvantaged by poor water quality especially when it rains. But, until now there is no fix for this problem. Even changing penguasapun in Pekanbaru not bring good changes to the quality of service to consumers.This study using sociological juridical approach. Sociological juridical research or empirical research approach is to look at in terms of the fact that occur in the field. While the descriptive nature of the research is aimed at providing a clear picture of the issues examined. Population and sample in this study is a population study in PDAM Tirta Siak Pekanbaru City and sample the Director of PDAM Tirta Siak Pekanbaru and Consumer Services Drinking Water Using Tirta Siak Pekanbaru in Pekanbaru District of the City.The results of this study are: First, the law for the protection of drinking water consumers for services PDAM Tirta Siak Pekanbaru city on water quality is very bad, resulting in non-fulfillment of the rights of consumers, resulting in harm to consumers both Financial and nonfinancial. Second, the recognition of the people who use the water utility PDAM TirtaSiak Pekanbaru, the absence of realized what strived by PDAM TirtaSiak Pekanbaru City until recently, even the water quality is getting worse. If rainy days, the water supplied by PDAM Tirta Siak Pekanbaru City unfit for dikosumsi. Legal efforts are made to consumers who are disadvantaged on layanana drinking water by PDAM Tirta Siak Pekanbaru City may file a lawsuit to the Consumer Dispute Settlement Board (BPSK) which is based on Law No. 8 of 1999 on Consumer Protection.Keywords: Implementation - Legal - Drinking Water For Consumer - consumer protection

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