Publication Search

This research is about the Authority of Notaries to Make Covernotes. Regarding making covernotes by Notaries, until now there is no legal umbrella, but in practice Notaries make covernotes in the credit agreement process. This type of research is empirical juridical research and uses a statutory legal approach. The research data used is secondary data and primary data. Secondary data is data obtained from interviews with Notaries in the City of Yogyakarta and the Chair of the Regional Supervisory Council of the Special Region of Yogyakarta Province. Secondary data comes from legislation and other legal materials. Research data was analyzed using a quantitative approach. The results of this research explain: Covernotes are made based on custom and based on material law, namely the law of engagement. If there is a formal legal source in the form of custom, it is acceptable, does not conflict with the law and is carried out repeatedly, which causes the action to be considered the truth and does not conflict with applicable law. .Even though the position of the covernote is still considered not to meet legal certainty. Covernotes have also been explicitly discussed by the Management of the Indonesian Notary Association that the UUJN does not regulate the making of covernotes by Notaries regarding activities or implementation of Notarization.

Debtor default has significant implications for credit risk management in the banking sector. Default, as the failure of a debtor to fulfill its obligations in repaying a loan, not only has the potential to be detrimental to financial institutions, but can also affect the stability of the financial system as a whole. Therefore, research on this phenomenon is very important. This article aims to provide comprehensive insight into understanding debtor default and its impact on credit risk management in the banking sector. A holistic approach to this understanding includes identifying factors that contribute to default, analyzing the characteristics of vulnerable debtors, and evaluating effective risk mitigation strategies. One important aspect discussed is the factors that cause default, including macroeconomic conditions, changes in an individual's financial situation, and behavioral factors. By understanding the root causes of default, banks can identify potential credit risks early and take appropriate steps to manage them. In addition, this article discusses the importance of debtor profile analysis in identifying characteristics that are vulnerable to default. By leveraging advanced technology and data analysis, banks can strengthen their decision-making processes and improve their ability to manage credit risk. Thus, this article not only provides an in-depth review of understanding debtor default, but also provides insight into how banks can improve their credit risk management through targeted and innovative approaches. In conclusion, a better understanding of the debtor default phenomenon will help banks manage credit risk more effectively and strengthen the resilience of the financial system as a whole.

This study aims to analyze the influence of the control environment, risk assessment, control activities, information and communication, monitoring, and employee performance of the effectiveness of credit granting at the banking companies in BUMN Bank. Data collection  methods  are  done  by  survey and questionnaires. The number of respondents in this study was 40 respondents, in distributing questionnaires using purposive sampling technique. Based on the F test used to test whether the regression model used is fit, if the significant value>α = 0.05 then the hypothesis is rejected, which means the regression model is not fit. If the significant value <α = 0.05, the hypothesis is accepted, which means the fit regression model. F test results show a significant value of 0,000 which means less  than  0.05  then  the  hypothesis  is  accepted,  which  means  four  independent variables namely the control environment (X1), information and communication (X4), monitoring (X5), and employee performance (X6) simultaneously have a positive effect and risk assessment (X2), control activities (X3) simultaneously have a negative effect on the dependent variable, namely the effectiveness of credit (Y). From the results of the t test it can be seen that four independent variables namely the control environment (X1), risk assessment (X2), control activities (X3), information and communication (X4), monitoring (X5), and employee performance (X6) have a partially positive and negatuve effect on the dependent variable namely the variable the effectiveness of granting credit (Y) because it has a significantly smaller value of 0.05

The government's role in Islamic economics is very significant, not only in regulating public aspects in accordance with Islamic principles, but also in financial matters such as managing basic needs, creating jobs, and maintaining the stability of the value of money. Public authorities need appropriate arrangements to steer the economy in the desired direction. One of the strategies used is financial regulation, which aims to control the money supply so that economic growth is stable, the cost of living is affordable, and jobs are available. This research aims to explore how the financial approach works from an Islamic perspective in depth. In the context of Islamic economics, the task of public authorities is to ensure that Islamic principles apply in terms of free income, interest-free economy, and money management in accordance with Islamic principles. Financial regulatory instruments also go beyond the use of open markets and custody of money, including in terms of distribution of credit, proportion of advances, and benefits in accordance with Islamic rules. This journal explores the relationship between monetary policy and economic development from an Islamic perspective. The focus is on the government's role in regulating monetary policy to achieve stable and sustainable economic growth in accordance with Islamic principles. The discussion includes financial management strategies that include controlling the money supply, stability of the value of money, and development of an interest-free economy. By considering the basis of free income in Islamic economics, this journal also highlights monetary policy instruments that are in accordance with Islamic values, such as credit distribution and benefit proportions that follow Islamic rules. This research aims to provide in-depth insight into how monetary policy can be implemented effectively in the context of Islamic economics, as well as implications and suggestions for sustainable economic development from an Islamic perspective.

This research aims to analyze the level of bank health and performance of Indonesian sharia banks using the RGEC method during the 2021-2022 period. Through this holistic approach, the research examines aspects of bank health, including risk profile, good corporate governance, income and capital. Data was obtained from the financial report of PT Bank Syariah Indonesia Tbk, and analysis was carried out on credit risk, Good Corporate Governance (GCG), Return on Assets (ROA), and Capital Adequacy Ratio (CAR). Research findings show that Indonesian sharia banks demonstrate health and stability in their operations, despite a decline in several performance indicators. These conclusions provide valuable insights for stakeholders in the Islamic banking industry to improve bank performance and stability.    

Bankruptcy is a business settlement process through litigation, namely through the commercial court. Bankruptcy is regulated in Law Number 37 of 2004 concerning Bankruptcy and Postponement of Debt Payment Obligations or abbreviated as UUK 2004. Prior to the promulgation of UUK 2004, it was about Faillissement Verordening (Law on Bankruptcy) which was then updated through Government Regulation in Lieu of Law Number 1 of 1998 and then ratified as Law Number 4 of 1998. Based on the explanation in the background section of the problem, the problem is how to take legal action in bankruptcy cases according to Law Number How to distribute payments for creditors' receivables according to the principles of justice in bankruptcy law. In Article 16 paragraph (1) of Law Number 37 of 2004 concerning Bankruptcy and Postponement of Debt Payment Obligations ("UU 37/2004") it is stated that the curator has the authority to carry out the duties of managing and/or settling bankrupt assets from the date the bankruptcy disclosure is made, even though against the decision, cassation or reconsideration is granted. What is meant by "settlement" is the cashing out of assets to pay or settle debts.

An increase in company value will make investors believe that the company is able to manage its performance in future prospects. From the background of the problem. The importance of the information needed in determining company policy, which is useful for measuring the company. To find out whether the budget plan for the construction of the Bukit Mega Harmoni housing development at PT. Graha Mega Cendana Makassar is effective and efficient. The type of research used by researchers is descriptive qualitative. Based on the analysis of data from the research results and discussions that have been described, it can be concluded that in general the preparation of the budget plan for the construction of Bukit Mega Harmoni Housing by PT. Graha Mega Cendana in 2017-2019 was quite effective on average, although the overall level of cost efficiency was less than the expected target of 5%. The efficiency of direct costs for building materials was able to exceed the target of 5.32% because there were efforts to control the use of materials in the field, while for craftsman labor costs there was in-efficiency or inefficiency of -4.97% due to demands for increases. the cost of piecework wages for craftsmen during the course of project implementation. For overhead costs or indirect costs, the average efficiency is 20.36% and the most prominent is the efficiency in financial cost items of 32.56%. This occurs because of a decrease in the value of bank credit interest expenses as a result of smooth installment payments. credit and accelerated repayment of bank credit. However, on average, of all cost items, the cost efficiency of building Bukit Mega Harmoni Housing from 2017–2019 of 73 units was only 3.17%, this is because the comparison between the amount of efficiency funds and the total cost budget plan funds used is very small.

This research aims to examine the effect of non-performing loans on economic profitability in the Balo' Toraja Savings and Loans Cooperative, Makale District, Tana Toraja Regency. The type of research used in this research is quantitative descriptive research. The unit of observation in this research is the financial report and non-performing loans for 2016-2020. The results of this research show that there is an influence of non-performing loans on economic profitability, which means that if non-performing loans increase, economic profitability will decrease, and vice versa, if non-performing loans decrease, economic profitability will increase.

Recently, people have been shocked by the high level of bad credit among Millennials. Based on the findings of the Otoritas Jasa Keuangan (OJK) (Wibowo, 2024), the number of bad loans for more than 90 days in the peer-to-peer (P2P lending) financial technology industry, or what is known as loans for the individual category, has reached IDR 1,73 trillion as of May 2023. The problem is, the Millennial generation or those aged 19-34 years are the biggest "contributors" of bad credit. Various experts say that the Millennial generation is in debt due to the Fear of Missing Out (FOMO) phenomenon, aka following trends to feel like they are not "missing out". Some other experts think that their financial literacy is low.

The development of housing credit provided by the North Lampung Matrix Housing Developer sometimes gives rise to bad credit problems, where the realization of the credit provided does not reach the predetermined target. This can affect North Lampung Matrix Housing activities and impact developer accountability. What is the developer's responsibility for credit in accordance with Law Number 1 of 2011 concerning Housing and Settlement Areas in Matrix Housing in North Lampung? The research results show that the developer's responsibility for credit in accordance with Law Number 1 of 2011 concerning Housing and Settlement Areas at Matrix Housing in North Lampung includes the obligation to collect debtors who experience problematic credit who collaborate with the developer. North Lampung Matrix Housing Partners Bank, basically this obligation has not been specifically regulated in the banking law and still uses general rules such as the Banking Law, Civil Code and Law Number 40 of 2007 concerning Limited Liability Companies. The absence of special "lex specialis" regulations is a weakness in responsibility when bad credit occurs. All components of North Lampung Matrix Housing have juridical responsibility for all operational activities. Resolving problem loans at Matrix Housing in North Lampung can be done in two ways, namely litigation efforts through the courts and non-litigation efforts through preventive measures such as anticipating the emergence of bad credit, early warning and negotiation.

This research discusses the power of unilateral execution carried out on state-owned collateral objects. There is a lot of gossip or uncertainty related to the status of state assets, in the sense that there are many legal rules that still intersect or overlap in defining state assets themselves. This overlapping of legal regulations has resulted in various interpretations regarding the extent to which the existence and definition of state assets can be applied, one of which is related to BUMN assets, whether they are included in state assets or not state assets. BUMN is a state-owned business entity which of course operates like a business entity in general, so that it carries out various legal and non-legal actions like business entities such as PT, CV, and so on. One of the BUMNs in the form of Persero took legal action by entering into a credit agreement in the form of cash collateral credit at BCA Bank, where it was discovered that the performance of the BUMN was starting to decline and of course this had an impact on the finances of the BUMN Persero itself, so this research will aim to provide a perspective on what the Bank can do if the state-owned company experiences default based on the applicable regulations. This research is using ‘normative-juridical’ as research type where the approach to the processing of legal materials is carried out by means of a literature review. Normative-juridical approach in this research used to analyse the power of unilateral execution of state-owned (BUMN) deposits in credit agreements with a cash collateral credit scheme at Bank X.      

This paper discusses the differences between Islamic bank financing and conventional bank credit. This research method is descriptive qualitative by analyzing the basic theory of the fundamental differences between Islamic bank financing and credit at conventional banks. The data was collected using literature studies from scientific journals and basic sharia economics books. Meanwhile, data analysis uses tabulation, coding, editing and verification or conclusion methods. Conventional banks prioritize and prioritize the complete guarantee aspect, whereas in sharia banks it only focuses on the character aspect of the customer itself, meaning that it can be said that the sharia bank believes that the customer will have good intentions when providing credit or financing within a certain agreed period of time.

This research aims to analyze the influence of financial sector deepening and foreign exchange reserves on currency exchange rates in Indonesia, Malaysia and the Philippines. The variables in this research are exchange rate, GDP, credit interest rates, money supply, foreign exchange reserves. This research uses secondary data taken from WorldBank in 2005-2022. The data analysis technique used is the Autoregressive Distributed Lag (ARDL) panel. The research results from the ARDL model analysis show that the countries that are able to become lead indicators for KURS tariff stability are Indonesia and Malaysia. This is because all the variables or indicators in the research, namely (Foreign Exchange Reserves, GDP, JUB and Credit Interest Rates) in these countries have a significant effect on the KURS, while CDV, GDV and JUB do not have a significant effect on the KURS. in the Philippines, only the SBK variable has a significant effect on the KURS in the Philippines. If we look at short-term and long-term stability, the Unemployment Rate variable, both short-term and long-term, has a significant effect on KURS stability.

This paper examines whether or not copyright(s) can be used as collateral in a credit facility. To answer this question, there are two major issues to consider. First, we must determine whether copyright(s) is a property right, and if so, whether copyright(s) can be used as collateral. So, what mechanism can we use to ensure copyright(s)? Our research shows that copyright(s) are property rights that can be used as collateral in a credit facility via fiduciary guarantee; Second, because we established that copyright(s) are property rights that can be used as collateral in a credit facility via fiduciary guarantee. The next step is to determine how we can secure and execute copyright(s) as collateral. Our research shows that the main procedure can be found in Law Number 42 of 1999 on Fiduciary and Law Number 24 of 2019 on Creative Economy.

The purpose of this study is to assess the comparative financial performance between conventional and Islamic banks in Indonesia by considering factors such as profitability, liquidity, operational efficiency, and credit risk. Using a qualitative approach and literature review method from various credible sources, the results show that conventional banks tend to use ROA, ROE, CIR, and NIM as the main profitability indicators; Islamic banks also use NPF and FDR. CAR and NIM affect Islamic banks' profitability positively against ROA, while BOPO affects conventional banks' ROA negatively. In terms of liquidity, Islamic banks have an advantage due to the yield principle applied. This is indicated by the current ratio, quick ratio, money ratio, and loan-to-deposit ratio, which show their ability to meet short-term obligations better compared to conventional banks. BOPO shows the operational efficiency of Islamic banks thanks to the principles of fairness and sustainability, while conventional banks excel in revenue management from assets and investor capital. The profit-sharing system in Islamic banks lowers credit risk compared to conventional banks. Although the operating principles of the two types of banking are different, this study found that each type of banking exhibits strengths and weaknesses in terms of profitability, liquidity, efficiency, and credit risk. It is hoped that these results will aid the growth of the Indonesian banking industry and help bank management and relevant stakeholders make informed decisions.

Online arisan is a phenomenon where people organize and participate in arisan (rotating savings and credit associations) through online platforms. In online arisan, consumerism can have diverse impacts depending on the values and behaviors adopted by the participants. Factors that can influence consumerism in online arisan include the choice of prizes, the use of technology and social media, as well as the convenience and flexibility offered by online arisan. Although there is potential for more dominant consumerism, there are still arisan groups that maintain their traditional values.

The aim of this research is to determine the quality of the implementation of 5C in Credit Guna Bhakti (KGB) and how to overcome problems that arise as a result of implementing the 5C principles at Bank BJB KCP Palima. This research method uses observation, interviews and literature study. The results of the research show that the quality of Guna Bhakti Credit at Bank BJB applies the 5C principles to prospective debtors, namely consisting of economic conditions, capacity, character, capital and collateral. 2023 will be considered smooth. Problems in implementing 5C occur in the principles of Character and Collateral. This character problem can be overcome by the bank being more careful in trusting the debtor, while regarding the Collateral principle, the bank must re-examine the prospective documents provided as collateral.

The provision of credit facilities in its development will always require collateral. This is due to the necessity of the Law, as well as for the security of the granting of credit, in the sense that the receivables from the bank will be guaranteed by the existence of collateral. Credit more often accepts collateral objects in the form of immovable objects, one of which is land rights because it is easy and certain in its execution. The purpose of this study was to determine the procedure for realizing credit with land collateral at BRI Karanganyar Branch Office, BRI Karanganyar Branch Office's actions against loans that fall into the doubtful category, and how to resolve if the credit in the doubtful category decreases in quality to the bad credit category. The results of this study are the procedure for realizing credit with land collateral at BRI Karanganyar Branch Office.

This study aims to determine the form of protection of Law Number 4 of 2023 concerning Development and Strengthening of the Financial Sector (P2SK) against employees at PT Pegadaian as gold appraisers who accept and assess gold collateral submitted by customers as debtors in the pawn credit process but it turns out that the collateral is the result of criminal acts that harm other parties so that the employee is considered a collector, as well as legal efforts that can be made by in terms of returning the collateral if it is decided by the Court to be returned to the victim who is considered the owner of the goods while the status of the collateral is a receivable that is still in process. In conducting research, the author uses data collection techniques and Court decisions, the results of this study state that employees who serve as gold appraisers cannot be drawn as a collector based on the provisions of Article 120 paragraphs 1, 2 and 3 of the P2SK Law. PT Pegadaian in returning losses resulting from court decisions in terms of returning the collateral to the victim, can take legal remedies through civil channels, but in practice sometimes it is not in accordance with what is regulated in the law.      

Banks are bodies or institutions that receive credit or loans. In banking finance we need to measure the asset ratio. Asset Ratio is the management of company assets in generating income which is used to evaluate the efficiency of financial management. The Asset Ratio includes a comparison between the company's total assets and the resulting income or net profit. Is the bank efficient in utilizing or using its fixed assets? One method for calculating a bank's asset ratio is the FixediAssets Turnover Ratioi (FATO) and Total AssetsiTurnover Ratio (TATO). Calculating these two analysis methods requires or involves all assets owned by the bank. a bank. In banking, the Fixed AssetsiTurnover Ratio (FATO) is a ratio that measures the effectiveness of a company in using its fixed assetiinvestments toigenerate net sales (services). Total Asset Turnover Ratio (TATO) is usually used to determine how effective a company's total assets are in generating income. From the results of the analysis of the financialistatements of PT. Bank Mandiri (Persero) Tbk in 2017-2021 can be concluded that the Company's activity ratio is still categorized as unfavorable. This is because the measurement of Fixed AssetiTurnover Ratio (FATO) and Total AssetsiTurnover Ratio (TATO) each year experiences fluctuations or is unstable or inefficient in managing fixed assets and total assets in supporting the Company's operations to generate income.