Banyak nasabah seringkali mendapat tawaran menggiurkan dari pihak bank untuk mendapatkan fasilitas pinjaman (kredit) dengan persyaratan yang mudah. Bahkan seringkali pihak marketing bank justru membantu membuatkan data-data pribadi nasabah tanpa survey guna kelancaran proses pencairan kredit. Disinilah berpotensi sering terjadi permasalahan kredit macet.
Disinilah seringkali terjadi benturan kepentingan bisnis dan hukum, karena disatu sisi pihak marketing berpikir untuk pemenuhan target pemasaran secara cepat meskipun seringkali menggampangkan proses adminstrasi yang berlaku dalam SOP internal bank.
Namun masalah baru muncul kemudian jika kredit tersebut macet, meskipun terdapat agunan yang menjamin pembayaran hutang. Masalahnya adalah, jika kemudian ditemukan beberapa fakta-fakta yang ganjil selama proses survey hingga pencairan kredit, maka hal tersebut berpotensi melanggar ketentuan perbankan.
Continue reading “Kredit Macet Berujung Pidana”
This essay based on experience to handle the case on behalf of the defendant AT in Surabaya District Court and the defendant RS in Lubuk Pakam District Court, North Sumatera. Both defendants have been involved on narcotic case and punished with death penalty in District Court and High Court, then in Supreme Court is punished with life sentence. These cases were handled since beginning as regulated under Criminal Procedures Indonesia.
Basically, according to Law No. 35 of 2009 concerning Narcotics (“Narcotic Law”) there are several Articles which stipulated death penalty, Article 113 paragraph (2), Article 114 paragraph (2), Article 116 paragraph (2), Article 118 paragraph (2), Article 119 paragraph (2), Article 121 paragraph (2). As for the Defendant AT is subjected to Article 113 paragraph (2) Narcotic Law, while RS is subjected to Article 114 paragraph (2) Narcotic Law.
Continue reading “Death Penalty on Narcotics Case in Indonesia”
In the business transaction, the parties usually make a written agreement to anticipate if there is a dispute in the future related to business transaction, where the written agreement aims to protect the rights of the parties if one party defaults.
Usually, commercial disputes occur due to negligence of one party, either regarding payment or work that is not in accordance as promised. If so, then the parties will strictly hold to the written agreement that was ever signed.
The term of consent, agreement, or contract basically same because referred to legal basis as stipulated on Civil Code Article 1320:
Continue reading “Business Transaction Without Contract”
Basically, commercial disputes can be proceed through the court or arbitration forums, where both types have different mechanisms and conditions. The mechanism through arbitration forums (generally) refers to the provisions of Law No. 30 of 1999 concerning Arbitration and Alternative Dispute Resolution (“Law No. 30/1999”).
According to the provisions of Article 1 No. 1 Law No. 30/1999 is stated explicitly as follows:
“Arbitration is a method of resolving a civil dispute outside the general court based on an arbitration agreement made in writing by disputing parties“.
So it is expressly stated that the arbitration forum is only intended for civil Continue reading “Dispute Resolution through BANI (Indonesia National Arbitration Board)”
In general, the procedures criminal proceeding in Indonesia should be referred to Law No. 8 of 1981 regarding Criminal Procedures Law (“CPL“). Briefly, the procedures of criminal cases through the following stages:
- Stage of Preliminary investigation
- Stage of Investigation
- Stage of Prosecution
- Stage of Court Hearing in District Court
Each of these stages is handled by different institution but still in one line, in the other hand that Continue reading “Overview Criminal Procedures in Indonesia”