Bank Tabungan Negara Branch Office Solo (Bank BTN KC Solo) is an extension of the main BTN bank that carries out tasks and business activities in the field of financial banking services, especially in supporting financing in the housing sector through providing BTN mortgage facilities (KPR BTN). One of the issues that arise in providing these KPR facilities is default or breach of promise due to the non-payment of installments in the KPR. The purpose of this research is to determine the procedures for implementing BTN mortgage facilities and to identify solutions to problems in providing BTN mortgage facilities. The type of research used is normative-empirical legal research, using descriptive research, with a live case study approach. Data is based on primary and secondary data, with data analysis techniques used in this study being interactive analysis models. The results indicate that if a debtor defaults, the legal consequences for the bank are the right to contact the debtor and/or other relevant parties and the right to issue warnings in the form of default notices in the form of letters or similar deeds. The efforts made by the bank against debtors who default include collection efforts, credit salvage efforts, and credit resolution efforts.

This research examines the problem of technological advances creating digital transformation in various aspects of life, one of which is art. Digital evolution in art, giving rise to various new creative expressions, one of which is Non-Fungible Tokens. NFT as a form of creative output has Copyright which is part of Intellectual Property Rights. Based on Government Regulation Number 24 of 2022 concerning Implementing Regulations for Law Number 24 of 2019 concerning the Creative Economy, Intellectual Property Rights can be used as a basis for financing the creative economy sector. This research aims as an effort to encourage the progress of the creative economy sector by examining NFTs as objects of Fiduciary Guarantees in order to optimize Intellectual Property Rights as the basis for financing schemes for the creative economy sector. This research is a prescriptive normative legal research. Types of secondary data include primary and secondary legal materials. The technique of collecting legal materials is done by literature study, then a conceptual approach is used. The results of this study indicate that NFTs have the potential to be used as objects of fiduciary guarantees, however, there are obstacles in regulations and mechanisms that have not been protected by the government, so it is necessary to adjust more specific regulations related to the use of digital assets in fiduciary schemes and education and increased digital literacy for financial institutions and creative economy actors regarding the potential and risks of using NFTs as objects of fiduciary guarantees.

The function of a banking institution is to provide credit services for the economic continuity of society. Loans given to debtors must be accompanied by collateral. One form of collateral is generally a certificate of land rights and one example is Building Use Rights (HGB). With this, there are many problems between debtors and creditors in handling collateral with the object of building use rights. Therefore, this legal research will discuss what problems arise when debtors provide building use rights guarantees to creditors (banks). This research uses a prescriptive normative research method with a statutory approach, a conceptual approach and a case approach based on the problems that occur. Based on this legal research, the author concludes that when the debtor guarantees the Building Use Rights, problems will arise for the debtor, namely the term of the HGB cannot be extended and the Building Use Rights can not be upgraded to Ownership Rights if the HGB is still encumbered with Mortgage Rights.
 
 

This study describes and examines the issue of the legal responsibility of online gambling promoters to people who lose due to influencers, considering the situation and conditions that are in need, of course, people will be tempted to obtain instant wealth. This study aims as an effort so that victims get proportionate attention in fulfilling their rights as victims to apply for restitution against online gambling influencers who advertise by providing false or untrue reviews. This research is a normative legal research that is perscriptive. Secondary data types include primary and secondary legal materials. The technique of collecting legal materials is carried out by literature study, then the analytical technique used is the deductive method. The results of this study show that victims can hold criminal and civil liability contained in Article 27 paragraph (2) jo. Article 45 paragraph (3) of Law number 1 of 2024 concerning online gambling, Law, Law 8 of 1999 concerning Consumer Protection, Article 1365 of the Civil Code concerning PMH, Article 1320 of the Civil Code concerning the legal terms of the agreement, and the Witness and Victim Protection Agency (LPSK).
 
 

This research explains the procedure for implementing electronic mortgage registration and discusses legal protection for creditors in mortgage registration through SKMHT in the event of the principal's death. This normative legal research utilizes a prescriptive approach based on legislation, cases, and conceptual analysis Primary data sources include relevant laws and regulations related to mortgages, supplemented by interviews with Notaries and PPAT, as well as secondary legal materials such as books, legal research papers, and previous studies in the form of journals, theses, and dissertations related to the research. Data collection techniques are carried out through interviews, observations, and literature studies Meanwhile, the analysis technique used by the author is qualitative model. The research results indicate that electronic registration of Mortgage Rights is carried out by interested parties through the website https://mitra.atr.bpn.go.id. However, in practice, there are still shortcomings in electronic Mortgage Rights registration, particularly when it is registered using SKMHT (Power of Attorney to Burden Mortgage Rights), and then the certificate owner passes away, the registration of Mortgage Rights cannot be continued. The solution to this problem is to add an optional refinement formulation in the Electronic Mortgage Rights System that allows for the replacement of the Identity Card Number (NIK) of the grantor with the NIK of the recipient if the Mortgage Rights are registered first with a SKMHT.