Effectiveness Of Article 42 Sentence (1) Uu No. 6 Of 2023 On The Creation Of Work Regarding The Implementation Of The Basis Of Legal Certainty In The Mortgage Agreement By The Banks With The Act Of Binding Agreement Of Sale And Purchase

Authors

  • Faisal Muhammad Notarial Masters Brawijaya University, Indonesia
  • Djumikasih
  • Diah Widhiawati Notarial Masters Brawijaya University, Indonesia

DOI:

https://doi.org/10.55227/ijhess.v4i2.1374

Keywords:

Home Ownership Credit, Sales and Purchase Binding Agreement, Basis of Legal Certainty.

Abstract

PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) is a State-Owned Enterprise (BUMN) which operates in the banking sector, committed to being a bank that serves and supports housing sector financing. The mission carried out by Bank BTN is to actively support the government in advancing the welfare of the Indonesian people through home ownership and realizing the life that millions of Indonesians dream of through providing decent homes. One type of credit that is still in demand and needed by the public is KPR (Home Ownership Credit). Bank BTN as a bank that focuses on housing financing certainly fully supports the One Million Houses Program launched by the government. It is proven that currently Bank BTN is a bank with market share The largest Home Ownership Credit (KPR) in Indonesia. In order to improve and optimize services to the community with the development of the KPR business and support Bank operations both in terms of business processes and maintaining document quality, there are conditions where it is not possible to make a Sale and Purchase Deed (AJB) so that a temporary binding agreement is needed, namely a Sale and Purchase Agreement ( PPJB). This research aims to determine the implementation of KPR agreements by Bank BTN with sale and purchase binding deeds (PPJB) according to Article 42 paragraph (1) of Law no. 6 of 2023 concerning Job Creation at Bank BTN Kediri. This type of research is empirical juridical legal research and the specifications in this research are descriptive. The source and type of data in this research is primary data obtained from field studies in the form of interviews with Bank BTN Kediri employees. And secondary data was obtained from literature studies related to the theory of legal certainty. The results of this research are that the implementation of the KPR agreement by Bank BTN with the PPJB deed based on Article 42 paragraph (1) of the Job Creation Law does not fully meet the requirements stipulated in Article 42 paragraph (2) of the Job Creation Law.

Author Biography

Faisal Muhammad, Notarial Masters Brawijaya University, Indonesia

Please Regard my Article

References

Achmad Ali, 2002, Menguak Hukum (Suatu Kajian Filosofis dan Sosiologis),: Gunung Agung, Jakarta, hlm. 83

H. Salim HS, Perkembangan Teori Dalam Ilmu Hukum, PT Raja Grafindo Persada, Jakarta, 2010, h.82.

https://setkab.go.id/realisasi-program-sejuta-rumah-tahun-2021-capai-111-juta unit/

https://www.detik.com/properti/berita/d-7264116/peran-perbankan-geber-program-sejuta-rumah-jokowi

Kebijakan Khusus Bank Tabungan Negara No. 1-C tanggal 5 April 2022 Tentang Pelaksanaan Akad Kredit KPR/KPA BTN Menggunakan Perjanjian Pengikatan Jual Beli

Kepmen Kimpraswil No. 403/KPTS/M/2022 Tentang Pedoman Teknis Pembangunan Perumahan Sehat (Rs Sehat)

Kitab Undang-Undang Hukum Perdata

L. J. Moleong and P. Edisi, “Metodelogi penelitian,” Bandung: Penerbit Remaja Rosdakarya, 2004.

Mariam Darus Badrulzaman, dalam buku Salim H.S., 2011, Hukum Kontrak (Teori & Teknik Penyusunan Kontrak), hal. 13-14.

Memo Bersama Bank Tabungan Negara No. 378 /M/NSLD/PDP/IV/2022 dari Non Subsidized Mortgage & Personal Lending Division (NSLD) dan No. 281 /M/SMD/PPD/IV/2022 dari Subsidized Mortgage Division (SMD) tanggal 18 April 2022 tentang Penyampaian Kebijakan Penetapan Segmentasi Developer

Memo Bank Tabungan Negara Divisi SMD No. 25 tanggal 9 Januari 2023 tentang Penyampaian Kebijakan Penetapan Segmentasi sesuai Ketentuan Kepmen Kimpraswil No. 403/KPTS/M/2002,

Peraturan Pemerintah No. 24 Tahun 1997 Tentang Pendaftaran Tanah

Peraturan Pemerintah No. 12 tahun 2021 Tentang Perubahan Atas Peraturan Pemerintah Nomor 14 Tahun 2016 Tentang Penyelenggaraan Perumahan Dan Kawasan Permukiman

Said Sampara dkk, Pengantar Ilmu Hukum, Total Media, Yogyakarta, 2011, h.40.

SE Direksi Bank BTN No. 57 tahun 2019 tanggal 19 November 2019 tentang tentang Perubahan atas Surat Edaran Direksi Nomor 41/DIR/SMD/2017 tanggal 24 Juli 2017 perihal Petunjuk Pelaksanaan Akad Kredit Pemilikan Rumah BTN Bersubsidi Menggunakan Akta Perjanjian Pengikatan Jual Beli (PPJB)

Shidarta & Rizal. J. (2014). Pendulum Antinomi Hukum: Antologi 70 Tahun Valerine J.L. Yogyakarta: Genta Publishing.

Sinaga, N. (2018). Peranan Asas-Asas Hukum Perjanjian Dalam Mewujudkan Tujuan Perjanjian. Binamulia Hukum, 112

Subekti, R. (1998). Aspek-Aspek Hukum Perikatan Nasional. Bandung: Citra Aditya Bakti.

Subekti, Hukum Perjanjian, hal. 80.

Undang-Undang Dasar Negara Republik Indonesia 1945

Undang-Undang No. 6 Tahun 2023 Tentang Cipta Kerja

Undang-Undang No. 20 Tahun 2011 Tentang Rumah Susun

Undang-Undang No. 1 Tahun 2011 Tentang Perumahan dan Kawasan Permukiman

Wirjono Prodjodikoro, Asas – Asas Hukum Perjanjian, hal. 17.

Downloads

Published

2024-10-31

How to Cite

Faisal Muhammad, F. M., Djumikasih, D., & Widhiawati, D. (2024). Effectiveness Of Article 42 Sentence (1) Uu No. 6 Of 2023 On The Creation Of Work Regarding The Implementation Of The Basis Of Legal Certainty In The Mortgage Agreement By The Banks With The Act Of Binding Agreement Of Sale And Purchase. International Journal Of Humanities Education and Social Sciences, 4(2). https://doi.org/10.55227/ijhess.v4i2.1374

Issue

Section

Social Science