In this paper, the authors will analyze: (1) the details of the home ownership loan agreement in the Labuha Branch of Bank Syariah Indonesia (The Indonesian Sharia Bank/BSI) and (2) how to resolve the issue of default carried out one of the parties in the home ownership loan agreement in the Labuha Branch of BSI. Members of society who wish to own a home but lack funds may utilize the credit facilities provided by BSI by making a credit agreement (home ownership loan). It is one of the solutions for prospecting housing consumers to quickly have a house. This paper is urgent because the increasing Indonesian population leads to an increase in demand for housing. Banks like BSI can help society obtain house ownership loans amid the increasing house prices. This paper employed the normative empirical legal research method. Results showed that the agreement carried out by the debtor and creditor is already according to the applicable regulations. It was shown that there was an increase in the number of debtors who obtained home ownership loans from the Labuha Branch of BSI. In total, 83 debtors obtained such facilities from 2021 to 2023. In the case of problematic debtors, ten debtors experienced a default in the Labuha Branch of BSI from 2021 to 2023. In the case where debtors fail to carry out their obligations in paying installments or in repaying their debt, then the bank will sell the collateral object or the house.

In Indonesia, the Village Head Election is the implementation of people’s sovereignty to choose village heads in a direct, public, free, confidential, honest, and just manner as stated in Regulation of the Minister of Internal Affairs No. 27 of 2020. This paper aims to analyze deviant behavior in the Village Head Elections that may bring harm to other people that involve the role of supernatural beings committed by Village Head Election participants. The importance of learning magic for the Village Head Election includes: (1) to influence the opinion of society who have suffrage rights; (2) to manipulate the obtainment of votes; (3) to make other Village Head Election participants die and/or sick; and (4) to influence the opinion of Village Head Election organizers. This paper employed the juridical empirical research method in the field of the legal anthropology scientific discipline. It used the behavioral approach. This paper aims to understand how mystical practices may influence election results that should ideally be carried out in a just and honest manner as well as to increase awareness of the risk of unethical behavior in the election process. Results showed that mystical things are always closely related to the culture of the Indonesian nation from era to era, including in its political culture. It can be seen that in every leadership of national figures, mystical activities are practiced. Contestants will visit shamans by sending voodoo to their political opponents so that they can win the political contestation. Apart from that, there are those who carry out rituals that are believed to be effective as a way to win the contestation in the political realm. The novelty of this research is that authors not only analyze the magical aspect of the Village Head Elections but also how magic is believed and implemented at the national level. The implication of this case is that it is rather difficult to prove magical cases. Thus, it leads to the occurrence of widespread suspicion among all parties.