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All Journal INTERNATIONAL JOURNAL OF SOCIAL, POLICY AND LAW (IJOSPL) CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis
Nelly Azwarni Sinaga
STIE Al-Washliyah Sibolga
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice

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EXECUTORIAL STRENGTH IN EXECUTION OF WARRANTY OBJECT OF DEBTOR'S DEBT IN FIDUSIAN AGREEMENTS IN THE ERA OF COVID -19 Nelly Azwarni Sinaga; Humala Sitinjak; Mukidi Mukidi; Rudy Pramomo
INTERNATIONAL JOURNAL OF SOCIAL, POLICY AND LAW Vol. 2 No. 1 (2021): February 2021
Publisher : INTERNATIONAL JOURNAL OF SOCIAL, POLICY AND LAW

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8888/ijospl.v2i1.25

Abstract

The period of the Covid 19 pandemic that has hit the world including Indonesia, which started the spread of this virus since the end of 2019, where the impact was tremendous for all human life, including the aspects of health, the economy including also affecting the implementation of agreements in legal aspects. The Fiduciary Agreement is a form of anonymous agreement that was born along with the development of business practices in Indonesia. The parties to the fiduciary agreement have mutually agreed to regulate their respective rights and obligations as well as legal sanctions if a party breaks the promise. This paper limits the problem regarding debtors who do not fulfill the agreement / break promises on the agreements that have been bound and the consequences for the object of the agreement. Consequences of debtors who break their promises result in Default. Problems arise when the fiduciary object is executed because the Debtor is in Default and the execution procedure is not properly carried out. This study aims to determine the legality of the execution of fiduciary collateral objects for debtors who are defaulting during the Covid 19 pandemic. auctions in public or can be carried out by selling under the hands of the agreement of both parties, but the implementation often still does not fulfill the mandate of the law or the agreement is not carried out properly. others that: 1. Communities who are not affected by economic constraints and other constraints in fulfilling their achievements 2. Communities who are affected by the economy and other constraints in fulfilling their achievements. Banks can provide credit / financing to obtain special treatment in accordance with applicable regulations
Dampak Penyelesaian Kredit Macet Terhadap Kinerja Keuangan Pada Credit Union (CU) Tani Sehat Sipeapea Hernita Paulina Marbun; Sahat Simatupang; Nelly Azwarni Sinaga
CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 2 No. 4 (2022): November : Jurnal Manajemen dan Ekonomi Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/cemerlang.v2i4.523

Abstract

Penelitian ini bertujuan untuk mengetahui penyebab kredit macet dan dampak penyelesaiannya.Penelitian ini menggunakan data primer dan data sekunder. Data primer diperoleh melalui wawancara kepada bagian lapangan dan manajer Credit Union (CU) Tani Sehat Sipeapea dan Nasabah yang pernah mengalami Kredit macet. Populasi yang diambil yaitu Kesuluruhan Nasabah yang mengalami kredit macet tahun 2012 dan sampel 3 nasabah yang mengalami kredit macet,pada dengan teknik pengambilan sampel menggunakan metode purposive sampling. Hasil penelitian ini menjelaskan bahwa sudah berbagai antisipasi dilakukan oleh pihak Credit Union (CU) Tani Sehat Sipeapea kredit macet selalu ada setiap tahun. Faktor penyebab terjadinya macet meliputi karakter nasabah, masalah ekonomi nasabah. Oleh sebab itu, kredit macet harus dicegah sejak dini agar tidak menimbulkan kerugian. Salah satu bentuk strategi yang dilakukan oleh pihak Credit Union (CU) Tani Sehat Sipeapea 1) jika penyebabnya karena karakter debitur hal yang dilakukan adalah Pengintensifan kunjungan ketempat tinggal dan usaha debitur, melakukan pendekatan persuasif, memberikan tenggang waktu kepada nasabah. 2) jika penyebabnya karena masalah ekonomi pihak Credit Union (CU) Tani Sehat Sipeapea akan melakukan rescheduling (penjadwalan kembali) dengan dasar kesepakatan bersama, dan yang terakhir melakukan eksekusi jaminan. Kinerja Credit Union (CU) Tani Sehat Sipeapea sebelum dan sesudah diterapkannya strategi dilihat dari rasio likuiditas, aktivitas dan profitabilitas berdasarkan ketetapan indikator adalah kurang efisien dan efektif, sehingga dapat dikatakan dampak terhadap kinerja keuangan kurang baik.
Co-Authors Hernita Paulina Marbun Humala Sitinjak Mukidi Mukidi Pramono, Rudy Sahat Simatupang