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ANALISIS PERLINDUNGAN KONSUMEN PADA LEMBAGA ALTERNATIF PENYELESAIAN SENGKETA (LAPS) SEKTOR JASA KEUANGAN DI INDONESIA Atika Ismail; Eni Suarti
SOL JUSTICIA Vol 4 No 1 (2021): SOL JUSTICIA
Publisher : Program Studi Magister Ilmu Hukum Universitas Kader Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (570.129 KB) | DOI: 10.54816/sj.v4i1.333

Abstract

Whereas the establishment of an alternative institution for dispute resolution in the financial services sector seems to want to reduce BPSK's authority by reinforcing the boundaries between banking/non-banking consumers and other consumers that BPSK had not previously distinguished in resolving submitted disputes. However, the existence of this LAPS creates dualism in consumer dispute resolution. Moreover, the regulation regarding the LAW ERA NO.2/TH.16/OCTOBER 2016: CONSUMER DISPUTE SETTLEMENT BY THE CONSUMER DISPUTE SETTLEMENT AGENCY (BPSK) AND ALTERNATIVE DISPUTE SETTLEMENT AGENCY IN THE FINANCIAL SERVICES SECTOR (LAPS-SJK) 197 absolute authority/competence for settlement the dispute is not explicitly regulated. Until now, there are still many consumers who prefer BPSK as dispute resolution because the procedure is considered clearer and provides more protection, one of which is the application of a tiered dispute resolution mechanism. Likewise, business actors are reluctant to choose LAPS-SJK as an alternative for consumer dispute resolution and prefer to settle disputes by consensus/family deliberation. If consensus/peace is not reached, dispute resolution through the district court is the last option that will be taken by business actors to resolve disputes with consumers because it is more certain
AKIBAT HUKUM DEBITOR MELAKUKAN PERBUATAN MELANGGAR HUKUM BERDASARKAN UNDANG UNDANG NO. 37 TAHUN 2004 TENTANG KEPAILITAN DAN PENUNDAAN KEWAJIBAN PEMBAYARAN UTANG Lilies Anisah; Eni Suarti
Jurnal Hukum Samudra Keadilan Vol 17 No 1 (2022): Jurnal Hukum Samudra Keadilan
Publisher : Fakultas Hukum, Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jhsk.v17i1.5784

Abstract

Tindakan debitor yang melakukan perbuatan melawan hukum yaitu kelalaian dan kesengajaan. Berdasarkan ketentuan Pasal 41-49 Undang-Undang Nomor 37 Tahun 2004 tentang Kepailitan dan Penundaan Kewajiban Pembayaran Utang hanya mengatur perbuatan melawan hukum debitur yang dilakukan satu tahun sebelum putusan pailit diucapakan, dalam perbuatan melawan hukum ada dua tindakan yaitu perbuatan melawan hukum kelalaian dan kesengajaan. Jika sampai waktu ditentukan debitur tidak membayar dan melakukan itikad buruk maka pengawas hakim atau kreditur dan pihak lain menyatakan bahwa berakhirnya penundaan pembayaran sesuai ketentuan yang diatur oleh hukum kepailitan. Penulis menyarankan sudah sepantasnya pemerintah merevisi kembali Undang-Undang Nomor 37 Tahun 2004 dalam penambahan pasal-pasal yang berkaitan dengan hukum kepailitan Indonesia termasuk diantarnya pasal-pasal ketentuan mengenai sanksi pidana, yang akan dikenakan kepada debitur. Dari berbagai pasal yang diatur dalam Undang-Undang Nomor 37 Tahun 2004 tentang Kepailitan dan Penundaan Kewajiban Pembayaran Utang (PKPU) idealnya harus mengikuti perkembangan masyarakat agar tidak terjadi kerancuan dan ketidakpastian dalam rangka untuk menjamin keadilan bagi pihak yang dirugikan oleh debitor
PELAKSANAAN LELANG OLEH KANTOR PELAYANAN PIUTANG DAN LELANG Eni Suarti; Atika Ismail
JUSTICIA SAINS - Jurnal Ilmu Hukum Vol 6, No 1 (2021): JUSTICIA SAINS: Jurnal Ilmu Hukum
Publisher : Universitas Sang Bumi Ruwa Jurai

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (509.222 KB) | DOI: 10.24967/jcs.v6i1.1429

Abstract

Fakta menunjukkan bahwa lelang (auction) sampai sekarang masih dilirik dan diminati sebagai sarana jual beli, bahkan makin berkembang dengan munculnya puluhan Balai Lelang ketika pemerintah menetapkan kebijakan pembentukan Balai Lelang. Kantor Lelang Negara yang semua hanya berada di kota-kota besar, sekarang sudah dibentuk di seluruh ibu kota propinsi dan beberapa kota yang dipandang perlu, sehingga dapat melaksanakan pelayanan yang lebih efisien dan efek. Jenis penelitian yang digunakan adalah penelitian hukum normatif. Pelaksanaan Lelang oleh Kantor Pelayanan Piutang dan Lelang Negara sudah berjalan sesuai dengan PMK No.93/PMK.06/2010 tentang Petunjuk Pelaksanaan Lelang, Pelaksanaan dilakukan semaksimal mungkin untuk menghindari kesalahan. Faktor Penghambat Pelaksanaan Lelang oleh KP2NL dimana, Hambatan-hambatan yang sering terjadi datang dari masyarakat bukan peserta lelang.
Postponement of Fulfillment of Achievements in Business Contracts during the Covid-19 Pandemic as a Basis for Force Majeure Atika Ismail; Lilies Anisah; Eni Suarti
INFLUENCE: INTERNATIONAL JOURNAL OF SCIENCE REVIEW Vol. 4 No. 3 (2022): INFLUENCE: International Journal of Science Review
Publisher : Global Writing Academica Researching and Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The purpose of this journal is to find out the policies of the parties regarding delaying the fulfillment of business contract agreements during the Covid-19 pandemic and to find out the impact of delaying the fulfillment of business contracts for the parties during the Covid-19 pandemic. The research method uses the juridical-normative method. The results of the research method concluded that: 1). If the Covid-19 pandemic is included in a force majeure situation, the parties can take a policy to terminate the agreement if the pandemic is permanent or can delay the fulfillment of achievements if the situation is only temporary. 2). The impact of the current pandemic is that the parties have to temporarily postpone the contract that was agreed before the Covid-19 pandemic occurred due to restrictions on community activities whose rules have been conveyed by the Indonesian government. The delay to fulfill the achievement itself must get approval from both parties so that there is no broken promise (default).