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Implementation of Complete Systematic Land Registration Fee (PTSL) Determination at City/District Level 在市/区层面实施完全系统的土地登记费厘定
Pub Date : 2021-12-08 DOI: 10.30659/sanlar.3.4.1178-1192
Ardo Yoga Pradana, Achmad Sulchan
This study aims to examine the policy for setting a Complete Systematic Land Registration (PTSL) fee at the central government level and the implementation of a Complete Systematic Land Registration (PTSL) fee determination at the Regency/City level. The research method in this thesis uses a normative juridical method and the research specification is descriptive analysis with the type of data based on primary and secondary data. Based on the results of observations and studies of laws and regulations related to the object of research, it shows that the PTSL costing policy has been regulated by the central government through a Joint Decree of 3 Ministers in which PTSL costs are categorized according to the region. Local governments in determining policies related to PTSL costing, their implementation must still refer to central policies so that policy synchronization continues. Regions that set costs in accordance with the SKB rules can immediately socialize the implementation of PTSL. Meanwhile, regions that determine the costs of PTSL themselves, through a policy-making mechanism and their determination must be regulated in writing through regional/village regulations. Suggestions from the results of this study. The implementation of PTSL needs to be socialized more massively, the government must ensure that there are no illegal fees, and if there are costs that exceed the provisions, a written determination is made and socialized to the public.
本研究旨在探讨在中央政府层面设定完整系统土地注册(PTSL)费用的政策,以及在摄政/市层面实施完整系统土地注册(PTSL)费用确定的政策。本文的研究方法采用规范的法学方法,研究规范为描述性分析,数据类型以一手数据和二手数据为基础。根据对与研究对象相关的法律法规的观察和研究结果表明,中央政府通过《三部制联合法令》对PTSL成本政策进行了规范,其中PTSL成本按地区分类。地方政府在确定与PTSL成本相关的政策时,其实施仍须参考中央政策,以保持政策同步。根据SKB规则设定成本的地区可以立即将PTSL的实施社会化。同时,通过决策机制自行决定PTSL成本的地区,必须通过地区/村庄条例以书面形式加以规定。本研究结果的建议。PTSL的实施需要更大规模的社会化,政府必须确保没有非法收费,如果有超过规定的费用,要做出书面决定并社会化给公众。
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引用次数: 0
Law Enforcement Analysis against Notaries Who Do Negligence in Depositing Minutes of Deed 公证员过失交存契约纪要的执法分析
Pub Date : 2021-08-21 DOI: 10.30659/SANLAR.V3I3.17135
Nur Maryanto
The purpose of this study is to analyze: 1). Law enforcement against a notary who is negligent in keeping the minutes of deed in Pemalang Regency. 2) Obstacles and solutions in enforcing the law against a notary who neglects to keep the minutes of deed in Pemalang Regency. The approach method in this research is empirical juridical with the help of primary data or empirical data as the main data. The data used are primary and secondary data obtained through interviews and literature study, data analysis was carried out by analytical descriptive. The results of the research concluded: 1). Law enforcement against a notary who neglects to keep the minutes of deed in Pemalang Regency, namely starting with the submission of a report, summons and examination by the MPD, as well as the conduct of a trial by the MPW. Sanctions against a Notary who is proven to have violated the provisions of Article 16 paragraph (1) letter b, as regulated in Article 85, the sanctions are in the form of verbal warning, written warning, temporary dismissal, honorable discharge and dishonorable dismissal. The toughest sanctions imposed on notaries who violate the code of ethics and the Law on Notary Positions.
本研究的目的是分析:1)对疏忽保管槟榔屿地契纪要的公证人的执法。2)对疏忽保管槟榔屿地契纪要的公证人的执法障碍和解决办法。本研究采用实证法学方法,以原始数据或实证数据为主要数据。使用的数据是通过访谈和文献研究获得的一手和二手数据,数据分析采用分析描述性。研究的结果是:1)针对忽视保存宝马垄县契约记录的公证人的执法,即从提交报告,由MPD传唤和审查,以及MPW进行审判开始。公证员违反本法第八十五条第16条第(1)项(b)项规定,经查实的,给予口头警告、书面警告、临时开除、光荣开除、不光荣开除的处分。对违反道德准则和《公证法》的公证员实施最严厉的制裁。
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引用次数: 0
Implementation of Amercement in the Financing Contract in Islamic Banking based on Justice & Benefits Principles 基于正义与利益原则的伊斯兰银行融资合同罚金的实施
Pub Date : 2021-08-21 DOI: 10.30659/SANLAR.V3I3.17001
Imam Rasyidin
In Islamic banks, the success or failure of debtors in paying their obligations to Islamic banks has a direct effect on wealth creation for depositors and owners, even for bank employees. The more successful debtors are in paying their obligations and/or providing income to the bank, the higher it will create wealth for depositors and other stake holders. However, the interests of debtors who have a vital role are still not fully accommodated in the agreement set forth in the Islamic bank financing contract. This is because the articles of financing contracts still contain clauses that are burdensome to debtors, namely amercement clause imposed on debtors when they are late in fulfilling their obligations to Islamic banks. The purpose of this study is to describe (1) the application of amercements in financing contracts in Islamic banking (2) the implications of applying amercements in Islamic banking financing contracts to the principles of justice and expediency (3) example of deed of financing in Islamic banking. This study uses sociological juridical methods to find out the exposure or explain legal phenomena as law in action, described as empirical social phenomena at PT. Bank Syariah Indonesia Cirebon Area, whether the implementation of amercements in the financing agreement has there been a match between the applicable regulations and the social reality. The results of this study conclude as follows: Based on the opinion of the majority of scholars', amercements for lateness, negligence and breaking promises are not allowed by syara', when the original obligation is in the form of debts or even payments, because these amercements can be categorized as usury and the law becomes law usury so that it is forbidden by sharia.
在伊斯兰银行,债务人向伊斯兰银行偿还债务的成功与否直接影响到存款人和所有者,甚至是银行雇员的财富创造。债务人在偿还债务和/或向银行提供收入方面越成功,银行为存款人和其他利益相关者创造的财富就越高。但是,在伊斯兰银行融资合同所规定的协议中,仍然没有充分考虑到具有重要作用的债务人的利益。这是因为融资合同的条款仍然包含对债务人造成负担的条款,即当债务人逾期履行对伊斯兰银行的义务时对其施加的罚款条款。本研究的目的是描述(1)在伊斯兰银行融资合同中对和解的应用(2)在伊斯兰银行融资合同中对正义和权宜之计原则应用和解的含义(3)伊斯兰银行融资契约的例子。本研究运用社会学法学的方法,发现或解释在印尼伊斯兰银行锡伯伦地区被描述为经验性社会现象的法律现象,即在融资协议中条款的执行是否存在适用法规与社会现实之间的匹配。本研究的结论如下:根据大多数学者的观点,当原始义务是债务甚至付款的形式时,伊斯兰教不允许对迟到,疏忽和违约进行罚款,因为这些罚款可以归类为高利贷,法律成为法律高利贷,因此被伊斯兰教禁止。
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引用次数: 0
Legal Protection of PPAT-Notary in Making A Deed Based on False Information of Parties ppat公证员基于当事人虚假信息立契的法律保护
Pub Date : 2021-08-21 DOI: 10.30659/SANLAR.V3I3.17257
Euis Istianti
The focus of this research has the following objectives: (1) legal certainty over the deed and the notary's responsibility for false statements of the parties; (2) legal protection for PPAT notaries who make a deed of sale and purchase based on false information from the parties. (3) an example of the waiver of rights if it turns out that there are false statements from the parties in accordance with article 51 paragraph 2 of the Criminal Code. This study uses a normative juridical research method, with the collection of literature study data, and the theory used is Hans Khelsen's Theory of Legal Protection. The results of the study conclude: (1) A notary deed will not have legal certainty if the notary as a public official (openbaar ambtenaar) who is authorized to make an authentic deed does not make a deed in accordance with applicable regulations or is carried out against the law. (2) Legal protection for a PPAT notary who makes a deed of sale and purchase based on the parties' false information is only based on the right of denial and good faith of the notary himself, if the notary does not have good faith, then the right of refusal does not apply. (3) Waiver of rights if it turns out that there is false information from the parties in accordance with Article 51 paragraph 2 of the Criminal Code, if the notary participates in the false information, then the notary cannot be free from punishment. Suggestions put forward: (1) The Public Prosecutor should add the related article into a claim in Article 264 Paragraph (1) in conjunction with Article 55 Paragraph (1) and 56 Paragraph (1) and Paragraph (2) of the Criminal Code. And there should also be a claim against the party who ordered to do this forgery and use this fake deed so that justice is truly served. (2) The Notary should be able to refuse requests from the appearers that are not in accordance with the provisions of the legislation, this is also a form of prudence of a Notary in order to avoid legal problems that will harm later. (3) Notaries should have and have good intentions to account for their actions.
本研究的重点在于:(1)契约的法律确定性及公证员对当事人虚假陈述的责任;(2) PPAT公证员根据当事人提供的虚假信息制作买卖契约的法律保护。(三)根据《刑法》第五十一条第二款的规定,经证实当事人有虚假陈述的,放弃权利的例子。本研究采用规范的法学研究方法,收集文献研究资料,运用的理论为汉斯·凯尔森的法律保护理论。研究的结论是:(1)如果作为公务人员(openbaar amtenaar)的公证人被授权制作真实的公证,但没有按照适用的法规制作公证或违法执行公证,那么公证证书将不具有法律确定性。(2) PPAT公证员基于当事人的虚假信息作出买卖契约的法律保护仅基于公证员本人的拒绝权和诚信,如果公证员没有诚信,则拒绝权不适用。(3)根据刑法第51条第2款的规定,被证明当事人提供虚假信息的,放弃权利,如果公证员参与了虚假信息,那么公证员不能免于处罚。建议:(1)检察官应结合刑法第55条第1款、第56条第1款、第2款在第264条第1款的请求权中增加有关条款。也应该对下令伪造和使用这份假契约的一方提出索赔,这样正义才真正得到伸张。(2)公证员应当能够拒绝不符合立法规定的出证人的请求,这也是公证员的一种审慎形式,以避免法律问题对以后造成伤害。(3)公证人应当有并有良好的意愿为自己的行为负责。
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引用次数: 0
Implementation Analysis of Improvement of Building Use Rights to Property Rights for Residential Houses 住宅建筑使用权向产权改进的实施分析
Pub Date : 2021-08-21 DOI: 10.30659/SANLAR.V3I3.17162
Avianita Febriana Yulianto
The purpose of this research is to analyze and find out: 1) Implementation of upgrading the status of building use rights to property rights for residential houses at the Cilacap Regency Land Office. 2). Obstacles and solutions in the implementation of increasing the status of Building Use Rights to Property Rights for residential houses at the Cilacap Regency Land Office, namely Petitioners who will register for an increase in land rights for residential houses often do not include an application file with a Building Permit, the public does not know about procedures and conditions that must be attached at the time of submitting an application. To overcome the above constraints, the Cilacap Regency Land Office conducted socialization, this aims to understand information and to straighten people's perceptions who think that upgrading the status of Building Use Rights to Property Rights for residential houses is too complicated and expensive. 2) Obstacles and solutions in the implementation of increasing the status of Building Use Rights to Property Rights for residential houses at the Cilacap Regency Land Office, namely Petitioners who will register for an increase in land rights for residential houses often do not include an application file with a Building Permit, the public does not know about procedures and conditions that must be attached at the time of submitting an application. To overcome the above constraints, the Cilacap Regency Land Office conducted socialization, this aims to understand information and to straighten out public perceptions who consider that upgrading the status of Building Use Rights to Property Rights for residential houses is too complicated and expensive.
本研究的目的是分析并发现:1)在Cilacap摄政土地办公室将建筑使用权地位提升为住宅产权地位的实施障碍和解决方案。2)在Cilacap摄政土地办公室将建筑使用权地位提升为住宅产权地位的实施障碍和解决方案,即申请增加住宅土地权利的请愿者通常不包括建筑许可证的申请文件。公众在提交申请时不知道必须附加的程序和条件。为了克服上述限制,Cilacap Regency Land Office进行了社会化,目的是了解信息,矫正人们认为将住宅的“建筑使用权”地位提升为“产权”过于复杂和昂贵的观念。2)在Cilacap Regency Land Office实施将住宅的建筑使用权地位提高到产权地位的障碍和解决方案,即申请增加住宅土地权利的申请人通常不包括带有建筑许可证的申请文件,公众不知道提交申请时必须附加的程序和条件。为了克服上述限制,Cilacap Regency Land Office进行了社会化,目的是了解信息,理正公众认为将住宅的“建筑使用权”升级为“产权”过于复杂和昂贵的观念。
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引用次数: 0
Position & Responsibilities of Notaries in Implementing Circular Resolutions of Foreign-Owned Branch Companies 公证员在外资分公司通告决议执行中的地位与责任
Pub Date : 2021-08-21 DOI: 10.30659/SANLAR.V3I3.17140
Yeni Amalia, Amin Purnawan, D. Djunaedi
This study aims to determine the position and responsibilities of a notary in the organs of a Limited Liability Company. There are two types of Limited Liability Company, namely Public Company and Private Company. In a closed company, it is very possible to make circular decisions because the number of shareholders is not as many as a public company. The approach method used in this study is an empirical juridical approach, which is an approach that examines secondary data first and then proceeds with conducting primary data research in the field. Circular decisions are made when it is not possible for a Limited Liability Company to hold a General Meeting of Shareholders or an Extraordinary General Meeting of Shareholders whose provisions can be seen in Article 91 of the UUUP. In Indonesia and even around the world, we are facing a pandemic due to Corona Virus Disease or COVID-19. For a Limited Liability Company whose shareholders are foreigners, a Foreign Investment Limited Company (PMA), of course, cannot come to the position of a Limited Liability Company in Indonesia. So that it is done through video conference whose provisions can be found in Article 77 of the Company Law. Notaries are responsible for making Circular Deeds that do not violate the provisions of the Company Law. The position of the Notary appointed to make the deed of the Circular Decree of the Company can be selected from all over Indonesia. As long as the parties are facing the Notary. However, if a Notary is appointed to follow the process of implementing the Circular Decision, it must be a Notary who has the same position as the Limited Liability Company or may also have a different position but is still in the same province from the position of the Notary appointed to follow the Circular Decision of the Shareholders.
本研究旨在确定公证员在有限责任公司机构中的地位和职责。有限责任公司有两种类型,即公众公司和私人公司。在一个封闭的公司里,很有可能做出循环决策,因为股东的数量不像上市公司那么多。本研究中使用的方法方法是一种实证法律方法,这是一种方法,首先检查二手数据,然后在该领域进行主要数据研究。有限责任公司不能召开股东大会或者临时股东大会时,依照联合章程第九十一条的规定作出通告决定。在印度尼西亚乃至世界各地,我们正面临着冠状病毒病(COVID-19)的大流行。对于股东为外国人的有限责任公司,外国投资有限公司(PMA)当然不能达到印度尼西亚有限责任公司的地位。通过视频会议的方式进行,具体规定见《公司法》第七十七条。公证员负责制作不违反公司法规定的通函。被任命为公司通告法令契据的公证人的职位可以从印度尼西亚各地选择。只要当事人面对公证员。但是,如果指定一名公证员遵循执行通知决定的过程,则该公证员必须与有限责任公司具有相同的职位,或者可能具有不同的职位,但仍与指定的遵循股东通知决定的公证员处于同一省份。
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引用次数: 0
Role of National Land Board Office in Implementation of Prohibition of Absentee Land Ownership 国家土地委员会办公室在实施禁止异地土地所有权中的作用
Pub Date : 2021-08-21 DOI: 10.30659/sanlar.3.3.1108-1119
Ajeng Savira Pravitasari
The research objectives are: 1) To find out and analyze the factors that cause absentee land ownership in Kendal Regency. 2) Knowing about the role of the Kendal Regency Land Agency in dealing with and solving land problemsabsentee. The data used in this study are primary data, secondary data, and tertiary data that can support the assessment, which is then analyzed using empirical juridical methods. Based on the results of data analysis, it is concluded that: 1) in Article 3 paragraph (1) of Government Regulation Number 224 of 1961 jo. Government Regulation Number 41 of 1964 (State Gazette of the Republic of Indonesia of 1961 Number 280, Supplement to the State Gazette Number 2322 hereinafter referred to as PP Number 224 of 1961, states that: Agricultural land owners who reside outside the sub-district where the land is located, within a period of 6 (six) months are required to transfer their land rights to another person in the sub-district where the land is located or move to the sub-district where the land is located. The main factors that cause absentee land ownership are from the community that the community lacks legal awareness, and only wants to seek economic benefits derived from absentee land ownership. Cultural factors such as inheritance and infrastructure. In the facilities and infrastructure there are no reports that are helpful in overcoming absentee land ownership from Village and District officials, as well as a lack of coordination and cooperation. 2) in overcoming absentee land problems, the National Land Agency has a role and contribution to reduce absentee land ownership in Kendal Regency, namely by carrying out legal enforcement by conducting legal counseling that is directed and carried out continuously widely to the community. This counseling can be done by coming to the field to collect or monitor the state of the inventory to the regions, namely monitoring the sub-districts, where the sub-district is a center rather than a transfer of rights so that there is no absentee land sale and purchase.
研究的目的是:1)找出并分析肯达尔摄政王土地所有权缺位的原因。2)了解肯达尔摄政王土地代理在处理和解决土地缺位问题中的作用。本研究中使用的数据是可以支持评估的第一手数据,二手数据和第三次数据,然后使用实证法律方法对其进行分析。根据数据分析的结果,得出结论:1)1961年第224号政府法规第3条第(1)款。政府监管人数41 1964(国家280号公报》1961年的印度尼西亚共和国,补充国家2322号公报》以下简称PP 224号1961年指出:农业土地所有者居住在街道土地所在地、6(六)个月内必须将他们的土地权利转移到另一个人在街道土地所在地或街道土地所在地。造成土地缺席所有权的主要因素来自社区,社区缺乏法律意识,只想寻求土地缺席所有权带来的经济利益。文化因素,如传承和基础设施。在设施和基础设施方面,没有任何报告有助于克服村和地区官员缺席的土地所有权以及缺乏协调与合作的问题。2)在克服缺地问题方面,国家土地局在减少肯德尔县缺地土地所有权方面发挥了作用和贡献,即通过开展执法,开展针对社区并持续广泛开展的法律咨询。这种咨询可以通过实地收集或监测各地区的库存状态来完成,即监测街道,其中街道是一个中心,而不是转让权利,这样就不会出现缺席的土地买卖。
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引用次数: 1
Unlawful Acts Committed by a Notary in Form of Not Completing the Mortgage Process 公证人以未完成按揭程序的形式作出的非法行为
Pub Date : 2021-08-21 DOI: 10.30659/SANLAR.V3I3.17005
Panji Rizki Gumilar, Amin Purnawan, Akhmad Khisni
Public trust in the notary is the public's trust in the authentic deed he made, which is why the position of a notary is often also called the position of trust. Notaries as public officials are required to be responsible for the authentic deeds that they have made. A notary as a public official is required to be responsible for the authentic deed he has made. This is contained in UUJN no. 30 of 2004 concerning the position of a notary. The objectives of this study are as follows, one to identify and analyze the roles and responsibilities of a notary in a credit binding agreement, second to find out and analyze legal sanctions for a notary who does not complete the mortgage process and the study certificate process at the Central Artha People's Credit Bank, Brebes branch. . The approach method in this research is descriptive, which is carried out with a normative juridical approach. The type of research data used is secondary data consisting of primary legal materials and secondary legal materials. Analysis Data obtained from research results in the form of library research data (secondary) are analyzed qualitatively, the results of this study Notaries are public officials authorized to make authentic deeds insofar as the making of certain authentic deeds is not reserved for other public officials. Making authentic deeds is required by laws and regulations in order to create certainty, order, and legal protection. In addition to an authentic deed made by or before a Notary, not only because it is required by laws and regulations, but also because it is desired by interested parties to ensure the rights and obligations of the parties for the sake of certainty, order, and legal protection for interested parties at the same time for society as a whole.
公众对公证人的信任是指公众对公证人所做的真实契约的信任,这就是为什么公证人的职位通常也被称为信任的职位。公证人作为公职人员,必须对其所作的真实行为负责。公证员作为公职人员,必须对其所作的真实行为负责。这载于ujn号。关于公证员职位的2004年第30号法令。本研究的目的如下,一是识别和分析公证员在信用约束协议中的角色和职责,二是找出和分析公证员在中央阿尔萨人民信用银行布雷布分行未完成抵押程序和学习证明程序的法律制裁。本研究的研究方法是描述性的,采用规范的法律方法进行。所使用的研究数据类型是第二手数据,由一手法律材料和第二手法律材料组成。以图书馆研究数据(二手)的形式从研究结果中获得的数据进行定性分析,本研究的结果公证人是被授权制作真实契约的公职人员,只要某些真实契约的制作不保留给其他公职人员。为了创造确定性、秩序和法律保护,法律法规要求制作真实的契约。除了由公证员或在公证员面前作出的真实的契据外,不仅是因为法律法规的要求,也是利害关系人希望确保当事人的权利和义务,同时也是为了利害关系人的确定性、秩序和法律保护,同时也是为了整个社会。
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引用次数: 1
Role of Regional Financial & Assets Management Agency (BPKAD) in the Mediation Process of BPHTB & PPH 区域金融资产管理机构(BPKAD)在BPHTB和PPH调解过程中的作用
Pub Date : 2021-08-21 DOI: 10.30659/SANLAR.V3I3.17154
S. Meilani
The research "The Role of the Regional Financial and Asset Management Agency (BPKAD) in the Mediation Process for Determining the Fee for Land and Building Rights/Income Tax (BPHTB/PPH) in Pati Regency" is motivated by myths that develop in the community regarding land ownership rights. This study aims to: 1) identify and analyze the role of BPKAD in Pati Regency. 2) knowing and analyzing the mediation process for determining BPHTB/PPH in Pati Regency. The research method in this thesis uses a sociological juridical approach with descriptive analysis specifications, namely data collection methods to obtain data that will be used as thesis material through interviews by conducting interviews with BPKAD Pati Regency, or by observation in the form of observations involved systematically in obtaining data. After that, qualitative analysis of the data obtained from various sources will be carried out. The results of the study indicate that: 1) BPKAD has not carried out its functions and roles as public servants properly. 2) The mediation process will be carried out between the seller and the buyer and BPKAD as the mediator.
“区域金融和资产管理机构(BPKAD)在确定帕蒂县土地和建筑权利/所得税费用(BPHTB/PPH)的调解过程中的作用”研究的动机是社区中关于土地所有权的神话。本研究旨在:1)识别和分析BPHTB/PPH在帕蒂县的作用。2)了解和分析帕蒂县BPHTB/PPH的调节过程。本文的研究方法采用具有描述性分析规范的社会学法学方法,即数据收集方法,通过与BPKAD Pati Regency进行访谈,或通过观察的形式系统地获取数据,以获取将用作论文材料的数据。之后,将对从各种来源获得的数据进行定性分析。研究结果表明:1)BPKAD没有很好地履行其作为公务员的职能和角色。2)调解过程将在买卖双方之间进行,BPKAD作为调解人。
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引用次数: 1
Implementation of Credit Provision at BRI (Bank Rakyat Indonesia) with Guaranteed Certificate 在BRI(印尼人民银行)实施担保证书的信贷提供
Pub Date : 2021-08-21 DOI: 10.30659/SANLAR.V3I3.16998
Yulianda Pratama
The purpose of this study is to analyze 1). The process of granting credit to the BRI Unit Link Kajen Bank when the guarantee is still a transfer of rights. 2) Obstacles and solutions in the process of granting credit to the BRI Unit Link Kajen Bank when the guarantee is still a transfer of rights. This study uses a sociological juridical approach. The data used are primary and secondary data obtained through interviews and literature study, data analysis is descriptive analytic. The results of the research concluded: 1) The process of granting credit to the BRI Unit Link Kajen Bank at the time of the guarantee there was still a transfer of rights, namely submission of applications, submission of complete documents accompanied by photocopies of the documents for submitting the transfer of property rights to the Land Office, Examination, Analysis of memorandums, approval from branch leadership, execution and disbursement of loans by the Bank to debtors. The process of granting credit to the BRI Unit Link Kajen Bank is carried out by making a written agreement so that it is binding for the parties and becomes a strong evidence base if one day there is a dispute. 2. Constraints and solutions in the process of granting credit to the BRI Unit Link Kajen Bank at the time of the guarantee there was still a transfer of rights, namely the frequent delays in the delivery of notary orders so that the Notary did not have time to check administrative completeness or confirm to BPN due to limited time. Another obstacle is the difficulty of managing the time so that the signing of the deed can be signed together. The solution that can be done is to provide counseling to the bank about the order procedure carried out to a notary and provide understanding to the bank so that the files that have been submitted to the notary have actually been approved by the prospective debtor, both interest and administrative and insurance costs.        
本研究的目的是分析1).当担保仍然是一种权利转让时,向“一带一路”单位链接卡真银行提供信贷的过程。2)在担保仍为权利转让的情况下,向“一带一路”卡真银行授信过程中的障碍及解决方案。本研究采用了社会学和法学的方法。使用的数据是通过访谈和文献研究获得的一手和二手数据,数据分析为描述性分析。研究结果得出结论:1)在担保时,向BRI Unit Link Kajen银行授予信贷的过程仍然存在权利转让,即提交申请,提交完整的文件,并附上提交产权转让给土地办公室的文件复印件,审查,备忘录分析,分行领导批准,银行向债务人发放贷款的执行和支付。向“一带一路”单位链接卡真银行提供信贷的过程是通过制定书面协议进行的,因此它对各方具有约束力,并且在有一天发生争议时成为强有力的证据基础。2. 在向BRI Unit Link Kajen银行授予信贷的过程中,在担保时仍然存在权利转让,即公证订单的交付经常延迟,因此公证人由于时间有限而没有时间检查行政完整性或向BPN确认。另一个障碍是很难安排好时间,以便双方可以一起签署契约。可以做的解决方案是向银行提供关于向公证人执行命令程序的咨询,并向银行提供理解,以便提交给公证人的文件实际上已经得到了潜在债务人的批准,包括利息、行政和保险费用。
{"title":"Implementation of Credit Provision at BRI (Bank Rakyat Indonesia) with Guaranteed Certificate","authors":"Yulianda Pratama","doi":"10.30659/SANLAR.V3I3.16998","DOIUrl":"https://doi.org/10.30659/SANLAR.V3I3.16998","url":null,"abstract":"The purpose of this study is to analyze 1). The process of granting credit to the BRI Unit Link Kajen Bank when the guarantee is still a transfer of rights. 2) Obstacles and solutions in the process of granting credit to the BRI Unit Link Kajen Bank when the guarantee is still a transfer of rights. This study uses a sociological juridical approach. The data used are primary and secondary data obtained through interviews and literature study, data analysis is descriptive analytic. The results of the research concluded: 1) The process of granting credit to the BRI Unit Link Kajen Bank at the time of the guarantee there was still a transfer of rights, namely submission of applications, submission of complete documents accompanied by photocopies of the documents for submitting the transfer of property rights to the Land Office, Examination, Analysis of memorandums, approval from branch leadership, execution and disbursement of loans by the Bank to debtors. The process of granting credit to the BRI Unit Link Kajen Bank is carried out by making a written agreement so that it is binding for the parties and becomes a strong evidence base if one day there is a dispute. 2. Constraints and solutions in the process of granting credit to the BRI Unit Link Kajen Bank at the time of the guarantee there was still a transfer of rights, namely the frequent delays in the delivery of notary orders so that the Notary did not have time to check administrative completeness or confirm to BPN due to limited time. Another obstacle is the difficulty of managing the time so that the signing of the deed can be signed together. The solution that can be done is to provide counseling to the bank about the order procedure carried out to a notary and provide understanding to the bank so that the files that have been submitted to the notary have actually been approved by the prospective debtor, both interest and administrative and insurance costs.        ","PeriodicalId":279949,"journal":{"name":"Sultan Agung Notary Law Review","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128269905","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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Sultan Agung Notary Law Review
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