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"Perkembangan dunia investasi dan perdagangan Indonesia seperti diuraikan diatas tersebut menyebabkan hukum jaminan menempati kedudukan yang semakin penting. Kegiatan investasi dan perdagangan memerlukan pembiayaan. Pembiayaan tersebut antara lain diperoleh melalui kredit. Kebutuhan akan kredit dan pemberian fasilitas kredit memerlukan jaminan, karena pemberian kredit sering meniznbulkan permasalahan bagi kreditur, jika pengembalian pinjaman dari debitur tidak sesuai perjanjian kredit. Masalah pengamanan jaminan kredit dari aspek hukum adalah sebagai tindakan preventif dalam pemberian kredit.Jaminan Fidusia merupakan suatu jaminan pengalihan hak kepemilikan suatu benda atas dasar kepercayaan. Benda yang hak kepemilikannya dialihkan tersebut tetap dalam penguasaan pemilik benda, yang diserahkan sebagai jaminan kepada kreditur adalah hak milik, sedang barangnya tetap dikuasai oleh debitur, karena itu perlu dilakukan pendaftaran untuk memperoleh kepastian hukum sesuai dengan ketentuan Undang-Undang Fidusia. Berkaitan dengan hal tersebut, Penulis milakukan kajian terhadap Hukum Jaminan dengan penekanan mengenai Standarisasi Prosedur Pendaftaran Fidusia. Di mana dengan terbitnya Surat Edaran Nomor:C.HT.01.10-22 terutama pada ketentuan angka 2, 3 dan 7 dari surat edaran tersebut. Di samping itu akan dilihat implementasinya dalam praktek.Penelitian ini dilakukan dengan menggunakan metode penelitian kepustakaan dengan data yang bersifat yuridis¬normatif yang ditambahkan dengan wawancara yang dilakukan oleh pihak terkait dengan masalah pendaftaran fidusia. Hasil penelitian ini berbentuk eksplanatoris-analistis karena analisa datanya menggunakan metode deskriptif yang bersifat kualitatif. Dimana dalam kesimpulannya akan mengetahui tujuan dari diterbitkannya surat edaran terutama ketentuan angka 2, 3 dan 7 untuk memperoleh kepastian hukum mengenai benda yang didaftarkan dengan jaminan fidusia sesuai dengan apa yang disebutkan dalam ketentuan-ketentuan tersebut. Sedangkan implementasinnya dalam praktek bahwa ketentuan dalam surat edaran tersebut meberikan penafsiran yang berbeda dari berbagai praktisi hukum.

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The dynamic development in the realm of investment and trade in Indonesia has made the growing importance of the law of guarantee. Investment and trade activities need financing, one way of which is through credit rendering. The need for credit rendering as well as its facilities needs a guarantee, particularly in the side of the creditor, in order to avoid any risk of loosing the investment profit expected in case the debtor doesn't comply with the agreement made before. Regarded from the law point of view, security on the credit guarantee is considered as a preventive act in lending a credit.A fiduciary right is defined as the guarantee of the transfer of ownership based on trust. The transfer merely happens in the ownership, while the real control still lies on the debtor, the reason of which it is necessary to register it in order to ensure the legal certainty which is in accordance with the Fiduciary Law. With respect to that matter, the writer would like to conduct a research towards the Guarantee Law with emphasis on the Standardization of the Fiduciary Registration Procedures, which is based on the Verdict No. C.HT.OI.10-22, particularly regarding to the one mentioned in number 2, 3 and 7 within. The implementation also will be one of the matter addressed in this thesis.This this research is conducted by applying the library study method, using the juridical normative data, supported by in-depth interview with the party concerned on the fiduciary registration matter. The result takes form in an explanatory-analytical, since the data analysis applying the qualitative descriptive method. Based on the elaboration, a conclusion will be drawn that is expected to be able to identify the purpose of the issuing of the verdict, particularly related to the number 2, 3 and 7, in attaining a legal certainty concerning the material registered under the fiduciary guarantee, whether it is already in accordance with the one mentioned in the law or not. Meanwhile concerning the matter of implementation, it will try to address whether the verdict opens any possibility to a different interpretation among the law practitioners."

"River is one of many natural resources supporting the life of all living creatures. The development of human and their cultures is inseparable from rivers. They function as, providers of water and food for both animals and plants living in and around them. Rivers also have other functions ? they provide means of transportation, places to settle and even centers for urban people development and centers of administration. Interactions between people and the environment have effects on the quality of the river ecosystems and the quality of human life. Affected human-river environment balance will lead to conflicts. People living on river banks try to cope with arising problems by establishing institutions through which they manage the use of water as well as institutions which improve environmental management and quality of life of the people living alongside these rivers. This research aims at analyzing the values of rivers and riversides for people living alongside them; analyzing environmental management daily practiced by these people; analyzing how ?Merti Code? cultural event can be used as an approach to improve people?s awareness of proper environmental management.

For the purpose of this research, a qualitative approach is used as well as detailed etnographical method and history of changes. Data were collected from observations, interviews and documents, and analyzed using descriptive and etnoscientific methods.

People do not manage river environments because they simply want to but because they understand that rivers can provide vital life support and benefits that these people can actually enjoy. It is also awareness of the significance of the environment that moves them to keep rivers from further destruction. A cultural approach in preserving rivers is a way of gathering communities of different economic and cultural backgrounds to take part in a common environmental preservation activity. Involving a larger number of people living on river banks, Merci code is a combined environmental, art and cultural event where people work together to clean rivers and riverside settlements and take part in art and cultural festivities.

Results of the research point toward the following conclusions: (1) Environmental changes will affect the relations established between human and rivers through values which people observe and live on. Functions that these rivers play and which people benefit from make them a valuable social capital for the use of water resources and the preservation of rivers; (2) Tirta Kencana, a collective effort of managing water resources can improve people?s awareness that preserving functions of a river, particularly that of providing water to support their life, is crucial.

The successful effort to manager these water resources has led to the establishment of Forum Masyarakat Code Utara (FMCU) or North Code Community Forum ? an institution established and organized by the people for environmental improvement programs: managing waste and upgrading river bank areas as paths and public open space to prevent people from throwing waste into the rivers; (3) Merti Code is a cultural strategy to develop the river of Code that has given numerous benefits to people living alongside it. Merti Code is more than a celebration of cultures that exists merely as an idea and a concept; rather, it is actually put into practice by encouraging people to take active part in improving the settlements and areas around the river.

Merti Code is not a one-way (monolog) program that only positions communities as an object of the awareness-increasing effort; it sees people as the subject that plays active part in the ritual of understanding the significant importance of water and rivers. With Merti Code, water is not only perceived in economic terms but also seen, through sanctification, as the communities' life support.

The following are recommended: (1) Environmental management practiced by the people should be connected more closely to Merti Code. Giving water high values through social processes can serve as an approach to encourage people to take more active part in environmental improvement efforts, particularly in river bank areas; (2) Empowerment of people living on river banks should consider their close ties with the river which supports their life.

The government and institutions engaged in the management of social environment of people living in river banks should be able to make these people connected to the place they live; (3) Cultural events relating to environmental management will sustain should it become something that people need and as it is performed because they can benefit from it. As a community ritual, Merti Code will be increasingly susceptible if it is only performed as a tourist attraction. If this is the case, participation and involvement of the people will greatly depend on tourists as provider of benefits."