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"[Perjanjian kerjasama tentang penanggungan utang ini merupakan dasar dari penjaminan pemberian kredit yang diberikan oleh Bank Rakyat Indonesia dan juga menjadi dasar bagi Perum Jaminan Kredit Indonesia agar dapat bertindak sebagai penanggung dalam penjaminan kredit yang diberikan oleh Bank rakyat Indonesia. Analisis ini akan dilakukan dengan menggunakan ketentuan penanggungan utangdalam Kitab Undang-Undang Hukum Perdata, dimana akan dilihat mengenai keberlakuan dari ketentuan penanggungan utang dalam perjanjian kerjasama penanggungan utang antara Bank Rakyat Indonesia dengan Perum Jaminan KreditIndonesia. Dalam Buku III KUHPerdata memiliki asas kebebasan berkontrak, dimana dengan adanya asas ini maka para pihak bebas menentukan isi dari perjanjian yangingin dibuatnya selama tidak bertentangan dengan hukum, kepatutan dan norma yang berlaku. Namun, tidak banyak yang mengetahui keberadaan perjanjian kerjasama penjaminan kredit sehingga tidak diketahui mengenai isi dari perjanjian tersebut telah sesuai atau tidak bertentangan dengan ketentuan dalam KUHPerdata dan Peraturan lain yang berlaku. Adapun terdapat perbedaan mendasar antara perjanjian kerjasama penanggungan utang dengan ketentuan dalam KUHPerdata yaitu pada pihak yangmenjadi penanggung hanya boleh Perusahaan Penjaminan yang telah membuat MoU dengan Kementerian Keuangan seperti Perum Jaminan Kredit Indonesia. Dengan demikian analisis ini diperlukan agar dapat menjadi acuan hukum bagi usaha-usaha yang hendak melakukan peminjaman kredit melalui penjaminan pemberian kredit, sehingga mereka mengetahui ketentuan yang berlaku.

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A cooperation agreement of debt guarantee is the basis of the guarantee credit granted by Bank Rakyat Indonesia and also the basis for Perum Jaminan kredit

Indonesia in order to act as a guarantor in a debt guarantee given by Bank Rakyat Indonesia. This analysis will be done using debt guarantee provisions in the

Indonesian Code of Civil Law, which will be seen on the enforceability of the debt guarantee provisions in the Indonesian Code of Civil Law in the agreement about the

guarantee of debt between Bank Rakyat Indonesia with Perum Jaminan Kredit Indonesia. In Book III of the Civil Code, which has the principle of freedom of contract, where the presence of this principle made the parties are free to determine the contents of the agreements as long as its content did not violate the law, propriety

and norms. However, not many are aware of the existence of credit guarantee cooperation agreement, which is the basis of guaranteed debt lending, is not known about the contents of the agreement and of course so many people does not know if the content of its agreement match with the provisions of the Civil Code and other applicable regulation. As there is a fundamental difference between debt guarantee agreement and debt guarantee provisions in the Indonesian Civil Code, which is the parties that allowed to be the guarantor are the Company that has made a MoU agreement with the Ministry of Finance such as Perum Jaminan Kredit Indonesia. Thus this analysis is required in order to become the legal reference for businesses that want to borrow credit through the provision of credit guarantees, so that they know the provisions in force.;A cooperation agreement of debt guarantee is the basis of the guarantee credit granted by Bank Rakyat Indonesia and also the basis for Perum Jaminan kredit Indonesia in order to act as a guarantor in a debt guarantee given by Bank Rakyat Indonesia. This analysis will be done using debt guarantee provisions in the Indonesian Code of Civil Law, which will be seen on the enforceability of the debt guarantee provisions in the Indonesian Code of Civil Law in the agreement about the guarantee of debt between Bank Rakyat Indonesia with Perum Jaminan Kredit Indonesia. In Book III of the Civil Code, which has the principle of freedom of contract, where the presence of this principle made the parties are free to determine the contents of the agreements as long as its content did not violate the law, propriety

and norms. However, not many are aware of the existence of credit guarantee cooperation agreement, which is the basis of guaranteed debt lending, is not known about the contents of the agreement and of course so many people does not know if the content of its agreement match with the provisions of the Civil Code and other applicable regulation. As there is a fundamental difference between debt guarantee agreement and debt guarantee provisions in the Indonesian Civil Code, which is the parties that allowed to be the guarantor are the Company that has made a MoU agreement with the Ministry of Finance such as Perum Jaminan Kredit Indonesia. Thus this analysis is required in order to become the legal reference for businesses that want to borrow credit through the provision of credit guarantees, so that they know the provisions in force., A cooperation agreement of debt guarantee is the basis of the guarantee credit

granted by Bank Rakyat Indonesia and also the basis for Perum Jaminan kredit

Indonesia in order to act as a guarantor in a debt guarantee given by Bank Rakyat

Indonesia. This analysis will be done using debt guarantee provisions in the

Indonesian Code of Civil Law, which will be seen on the enforceability of the debt

guarantee provisions in the Indonesian Code of Civil Law in the agreement about the

guarantee of debt between Bank Rakyat Indonesia with Perum Jaminan Kredit

Indonesia. In Book III of the Civil Code, which has the principle of freedom of

contract, where the presence of this principle made the parties are free to determine

the contents of the agreements as long as its content did not violate the law, propriety

and norms. However, not many are aware of the existence of credit guarantee

cooperation agreement, which is the basis of guaranteed debt lending, is not known

about the contents of the agreement and of course so many people does not know if

the content of its agreement match with the provisions of the Civil Code and other

applicable regulation. As there is a fundamental difference between debt guarantee

agreement and debt guarantee provisions in the Indonesian Civil Code, which is the

parties that allowed to be the guarantor are the Company that has made a MoU

agreement with the Ministry of Finance such as Perum Jaminan Kredit Indonesia.

Thus this analysis is required in order to become the legal reference for businesses

that want to borrow credit through the provision of credit guarantees, so that they

know the provisions in force.]"

"Dalam skripsi ini dibahas tentang pembatalan putusan KPPU oleh Pengadilan Negeri Jakarta Pusat yang menyatakan bahwa PT. Bank Rakyat Indonesia tidak terbukti melanggar pasal 15 ayat (2) dan 19 huruf a Undang-Undang No. 5 Tahun 1999 dalam melakukan kerjasama bancassurance bersama perusahaan asuransi rekanan dalam penyediaan produk Kredit Pemilikan Rumah. Dalam pertimbangan hukumnya Majelis Hakim Pengadilan Negeri Jakarta Pusat menyatakan bahwa perjanjian kerjasama yang dilakukan PT. BRI dan perusahaan asuransi rekanannya merupakan pewujudan pelaksanaan prinsip kehati-hatian dan manajemen risiko bank sebagaimana diatur dalam UU Perbankan dan PBI Manajemen Risiko Bank, sehingga termasuk kedalam Pasal 50 huruf a yang dikecualikan dari Undang-Undang ini. Terhadap permasalahan diatas dilakukan penelitian dengan menggunakan metode yuridis normatif.Hasil penelitian menujukan bahwa kerjasama yang dilakukan para pelaku usaha termasuk ke dalam tying agreement, namun dengan menggunakan pendekatan rule of reason kerjasama tersebut tidak terbukti menyebabkan persaingan usaha tidak sehat dan tidak termasuk ke dalam kegiatan/perjanjian yang bertujuan melaksanakan peraturan perundang-undangan sebagaimana ketentuan Pasal 50 huruf a Undang- Undang No. 5 Tahun 1999.

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This thesis discussed about the cancellation of decision of KPPU by the Central Jakarta District Court which stated that PT. Bank Rakyat Indonesia in not proven to have violated Article 15 paragraph (2) and 19 a on Law Number 5 of 1999 in coorperation with the partner insurance companies (bancassurance) in supplying product home loan agreement. The judges declared that the agreement made by PT. BRI and its partner insurance companies is the realization of the implementation of the precautionary principle and bank?s risk management as stipulated in the Banking Law and PBI Risk Management Bank, so belongs to Article 50 a that excluded from this law. Based on above problems, do reasearch using normative juridicial method.

Results of research addressing that coorperation that made by the business actors classified into tying agreement, but by using rule of reason such coorperation is not proven to cause unfair competition and is not classified inte the activities/agreements aimed at implementating the legislation as Article 50 a of Law Number. 5 1999."

"Salah satu bentuk hubungan antar individu dalam masyarakat adalah hubungan antara seorang perempuan dengan seorang laki-laki dalam bentuk perkawinan. Pada saat tertentu setiap perkawinan pasti akan bubar atau putus. Kasus yang diangkat adalah kasus langka. Debitur meminjam uang dengan adanya perjanjian campur dan pisah harta. Permasalahan penelitian adalah akibat hukum atas pembatalan perkawinan dan perceraian terhadap pihak ketiga. Metode penelitian berbentuk yuridis normatif, dengan pendekatan kualitatif pada analisisnya. Penelitian menggunakan studi dokumen disamping wawancara sebagai pendukung dan konfirmasi penelitian. Hasil penelitian bahwa Perkawinan dapat putus karena kematian, perceraian, dan atas keputusan pengadilan. Selain perceraian, perkawinan juga dapat dibatalkan. Dengan demikian, perkawinan tersebut dianggap tidak ada bahkan tidak pernah ada, dan suami istri yang perkawinannya dibatalkan tidak pernah dianggap menjadi suami istri. Perkawinan yang memiliki perjanjian campur harta pasangan dapat ikut serta bertanggung jawab terhadap utang. Bagi debitur yang melakukan perjanjian pisah harta, maka hanya debitur saja tanpa mengikutsertakan pasangan.

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One form of relationship between individuals in a society is the relationship between a woman and a man in the form of a marriage. Every marriage will inevitably dissolve or end at one point in time. The case being addressed herein is rather a rare one. The debtor borrowed money using the prenuptial agreement. The research problem relates with the legal consequences arising from a marriage annulment and divorce against third party. The research method being employed is juridical normative, with a qualitative approach in the analysis. This research uses document study in addition to interviews to corroborate and confirm the research results. The research results indicate that a marriage may come to an end due to death, divorce, and court decisions. Apart from divorce, a marriage can also be annulled. Thus, the marriage is considered non-existent and even never existed, and a husband and wife whose marriage was annulled were never even considered husband and wife. A marriage that has a prenuptial agreement in place can be responsible for the debt that the husband and wife owed. For a debtor who enters into a prenuptial agreement, only the debtor does not include a partner.

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"Bank Umum dalam memberikan kredit wajib memegang teguh prinsip kehati-hatian antara lain adanya keyakinan atas kemampuan dan kesanggupan debitor untuk melunasi hutangnya sebagaimana ketentuan Pasal 8 UU No. 10 Tahun 1998. Dalam pelaksanaanya, bank umum sering mensyaratkan adanya agunan kredit berupa borgtoch dalam bentuk personal guarantee atau company guarantee sebagai tambahan jaminan kebendaan dalam pengikatan kredit. PT. Bank Negara Indonesia (Persero) Tbk. mensyaratkan terpenuhinya kriteria penanggung utang selain persyaratan umum yang berlaku.Permasalahan yang diidentifikasi adalah alasan mengapa jaminan berupa penanggungan utang (borgtoch) masih diperlukan sebagai pengikatan jaminan dalam pemberian kredit dan bagaimana pelaksanaan kewajiban Borg apabila debitor yang ditanggungnya wanprestasi kepada PT. Bank Negara Indonesia (Persero), Tbk serta bagaimana peranan dan keterlibatan Notaris dalam proses pembuatan perjanjiannya. Penelitian menggunakan metode penelitian kepustakaan yang bersifat yuridis normatif, dengan mempergunakan data sekunder balk yang berasal dari literatur maupun peraturan perundang-undangan melalui tipe penelitian explanatoris. Data skunder berupa bahan hukum primer dan skunder dikumpulkan melalui studi dokumen dan wawancara. Analisis dilakukan secara explanatoris evaluatif.Hasilnya diperoleh kesimpulan pertama; dengan adanya kriteria Borg antara lain Personal Guarantor memiliki kepentingan langsung atas usaha debitor dan Company Guarantor harus perusahaan yang memiliki kepentingan langsung terhadap debitor, menjadikan borgtoch menjadi sangat penting bagi PT. Bank Negara Indonesia (Persero) Tbk. Kedua, dalam pelaksanaannya Borg harus melepaskan hak-hak istimewanya dan bagi Borg yang wanpresatasi tersedia perangkat hukum antara lain sita lelang kekayaan borg melalui Pengadilan, diserahkan kepada BPULN, pemblokiran dan penyitaan harta kekayaan melalui. PUPN/BUPLN, pencegahan ke luar negeri dan paksa badan. Ketiga, Notaris dapat berperan untuk mendukung prinsip kehati-hatian perbankan melalui kecermatan proses pembuatan, penyimpanan dan penyerahan akta sesuai dengan UU No. 30 Tahun 2004 dan peraturan pelaksanaannya.

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General bank in order to provide a loan must firmly hold the principle of carefulness, such as conviction to the debtor capacity and performance to settle the debt, as mentioned in article 8, enactment no. 10 year 1998. In fact general bank often requires collateral such as borgtocht in term of personal guarantee or company guarantee as additional collateral for a loan. Bank Negara Indonesia (BNI) Public Ltd. Requires guarantor criteria other than general requirement needed.Problem that is identified is the reason why collateral such loan guarantee (borgtocht) as a collateral binding in a loan agreement and how to implement the guarantor obligation if the debtor he guaranteed collide with BNI Public Ltd. and how is the notaries play a role and take part making the agreement process. This research is using literature research methods that has normative juridical characteristic, by using secondary date either from literature or from enactment by explanatory research type. Secondary data such primary and secondary law material, collected by documentary research and interview. Analysis is done by evaluative explanatory.As the result we get the first conclusion that with the criteria of borg such as personal guarantor has direct interest in debtor deed and company guarantor must be a company that has direct interest to the debtor, it makes borgtocht become very important to BNI Public Ltd. The second conclusion, in the implementation, borg (guarantor) must discharge its special rights and for the violating borg is provided rule of law such as guarantor auction confiscation by court, handed over to BUPLN, obstruction and confiscation of their properties by PUPN/BUPLN, prohibition to leave the country and personal compulsion. Third conclusion, notaries play important role to support the principle of carefulness by accuracy in making process, filing and official document transfer, according to the enactment No. 30 year 2004 and its implementing rule."

"Penjaminan Kontra Bank Garansi adalah suatu kegiatan pemberian jaminan lawan berupa Penanggungan yang diselenggarakan oleh Perusahaan Penjaminan untuk menjamin kewajiban suatu pihak yang timbul akibat pencairan bank garansi. Skripsi ini membahas persoalan Hukum dalam Perjanjian Penanggungan antara PT Jamkrindo yang memberikan jasa nya sebagai Kontra Bank Garansi untuk Penerbitan Bank Garansi pada PT Bank X melalui suatu Perjanjian Kerjasama. Penelitian ini dilakukan dengan metode kualitatif dengan cara studi dokumen (kepustakaan) dan wawancara narasumber yang memberikan analisis deskriptif. Dalam penelitian ini, dapat disimpulkan bahwa yang pertama, Hubungan hukum antara PT Jakmrindo dengan PT Bank X lahir dari Perjanjian Kerjasama, Surat Persetujuan Prinsip Penjaminan (SP3) dan Sertifikat Penjaminan (SP), yang merupakan satu kesatuan diantara ketiganya untuk melahirkan Penjaminan Bank Garansi dengan bentuk Penanggungan terhadap Penanggung yang menanggung debitur utama. Kedua, Pelaksanaan Klaim Penjaminan Bank Garansi yang bersifat unconditional berlawanan dengan karakteristik Penanggungan yang mensyaratkan suatu wanprestasi untuk dapat dilaksanakan. Pencairan Klaim unconditional secara khusus mengecualikan ketentuan tersebut, yang hanya diperbolehkan terhap penerima jaminan yang melakukan pengadaan barang/jasa pemerintah dan pekerjaan yang dibebankan dengan APBN. Ketiga, Peralihan hak tagih PT Bank X terhadap Terjamin kepada PT Jamkrindo sebagai dampak subrogasi dapat dimintakan oleh PT Bank X untuk dan atas nama PT Jamkrindo sebagai suatu Kebebasan bagi para pihak menentukan kesepakatan diantara mereka dalam perjanjian.Counter Bank Guarantee is an activity of providing counterparty guarantees in the form of Guarantees organized by the Guarantee Company to guarantee the obligations of a party arising from the disbursement of bank guarantees. This thesis discusses legal issues in the Underwriting Agreement between PT Jamkrindo which provides its services as a Counter Bank Guarantee for Issuance of Bank Guarantees at PT Bank X through a Cooperation Agreement. This research was conducted using a qualitative method by means of document studies (library) and interview with informants and provided descriptive analysis. In this study, it can be concluded that first, the legal relationship between PT Jakmrindo and PT Bank X was born from the Cooperation Agreement, the Guarantee Principle Approval Letter (SP3) and the Guarantee Certificate (SP), which is an integral part of the three to give birth to a Bank Guarantee with form of Guarantee against the Guarantor who bears the main debtor. Second, the implementation of an Bank Guarantee Claim is unconditional contrary to the characteristics of the Guarantee Agreement which requires a default to be enforced. Disbursement of claims unconditional specifically excludes this provision, which is only allowed for guarantee recipients who procure government goods/services and work that is charged with the state budget. Third, the transfer of PT Bank X's claim rights against the Guaranteed to PT Jamkrindo as a result of subrogation can be requested by PT Bank X for and on behalf of PT Jamkrindo as a freedom for the parties to determine the agreement between them in the agreement."

"ABSTRAKNotaris sebagai pejabat umum merupakan suatu profesi yang kedudukannyasangat penting dalam membantu menciptakan kepastian hukum bagi masyarakat.Jasa Notaris sebagai Pejabat Umum salah satunya dibidang Perbankan yaitumembuat Akta Perjanjian Kredit yang melibatkan nasabah dan bank, sehinggaNotaris harus memiliki sikap yang profesional berdasarkan Pasal 16 ayat (1) hurufa Undang-Undang Nomor 30 Tahun 2004 Tentang Jabatan Notaris, dalammenjalankan Jabatannya Notaris berkewajiban: Bertindak Jujur, saksama,mandiri, tidak berpihak dan menjaga kepentingan pihak yang terkait dalamperbuatan hukum. Dalam kasus ini bentuk pelanggaran yang dilakukan olehNotaris yaitu pelanggaran terhadap Pasal 16 ayat (1) huruf a Undang-UndangJabatan Notaris, dimana Notaris menyerahkan agunan berupa Sertipikat hak Milikatas tanah kepada nasabah tanpa adanya konfirmasi dan persetujuan dari pihakbank terlebih dahulu. Sehingga pihak Bank merasa dirugikan sebagai pihak yangberitikad baik meminjamkan pinjaman, maka Bank melaporkan Notaris kepadaMajelis Pengawas Notaris yang mempunyai kewenangan memberikan sanksikepada Notaris. Penelitian ini menggunakan metode yang bersifat yuridisnormative dengan tipologi yang sifatnya eksploratoris dan juga metode analisisdata yang bersifat kualitatif.

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ABSTRACTAs a Notary Public Official whose position is a very important profession inhelping create legal certainty for the community. Notary service as general officerin banking is one of them made a deed of credit agreement involving the customerand the bank, so the notary must have a professional attitude under Article 16Paragrapah (1) letter a of Regulations number 30 year 2004 concerning the notary,in carrying out his post notary shall: Acting honestly, carefull, independent,impartial and safeguard the interest of parties involved in the legal action. In thiscase the violations is commited by the notary violations of Article 16 Paragraph(1) letter a notary law, notary where the right hand over collateral ceritificate tothe customer-owned land without the confirmation and approval of the bank inadvance. So the bank feels aggrieved party as the party acting in the good faithlend loans, the bank reports to the supervisory council of notary public who hasthe authority to give sanction to the notary. This study used a method with anormative juridical typology exploratory in nature and also method of qualitativedata analysis."

"[ABSTRAKSkripsi ini membahas tentang kartel yang timbul karena terjadinya penyalahgunaan hubungan afiliasi perusahaan perasuransian. Melalui penyalahgunaan hubungan afiliasi yang dimiliki baik diantara perusahaan perasuransian ataupun diantara perusahaan perasuransian dengan bank telah memberikan peluang bagi para pelaku usaha tersebut untuk melakukan praktek anti persaingan yang salah satu bentuknya adalah kartel ini. Penelitian ini adalah penelitian kualitatif dengan desain deduktif. Hasil penelitian ini menyarankan agar terdapat pengaturan mengenai hubungan afiliasi yang disebabkan oleh hubungan keluarga serta pertimbangan-pertimbangan dalam Putusan KPPU mengenai kosentrasi pasar perlu lebih diperhatikan, sehingga tidak hanya melihat dari kuantitas pelaku usaha dan juga perlu diperhatikan lebih mendalam mengenai kerugian yang telah dialami oleh pelaku usaha dan konsumen.

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ABSTRACTThe focus of this study is about cartel that arising from the abuse of the insurance company affiliation. Through misuse of this affiliation, provide opportunities for businesses to conduct anti-competitive pratices which one of these form is the cartel. This research is qualitative deductive interpretive. The researcher suggests that government create a regulation about affiliation that caused by family ties and also about market concentration KPPU must not just considerate about businesses quantity. Then KPPU’s need to give more consideration about consumen and other businesses losses. , The focus of this study is about cartel that arising from the abuse of the insurance company affiliation. Through misuse of this affiliation, provide opportunities for businesses to conduct anti-competitive pratices which one of these form is the cartel. This research is qualitative deductive interpretive. The researcher suggests that government create a regulation about affiliation that caused by family ties and also about market concentration KPPU must not just considerate about businesses quantity. Then KPPU’s need to give more consideration about consumen and other businesses losses.]"

"Tesis ini membahas mengenai pemberian jaminan berupa rekening bank di PT. Bank Internasional Indonesia, Tbk. Pada tesis ini akan dibahas mengenai 3 (tiga) hal. Pertama, mengenai rekening yang digadaikan dapat secara sah dan mengikat sebagai jaminkan. Kedua,mengenai apakah pembekuan sejumlah uang (blokir) dalam rekening yang djaminkan secara gadai harus dilakukan. Ketiga, mengenai praktek pemberian gadai rekening pada PT. Bank Internasional Indonesia. Penelitian ini menggunakan metode penelitian yuridis normatif dimana data yang digunakan dalam penelitian ini sebagian banyak bersumber pada studi kepustakaan dan dilakukan beberapa wawancara terhadap narasumber.Hasil dari penelitian ini adalah bahwa agar gadai sah dan mengikat harus memenuhi dua unsur yaitu adanya perjanjian gadai antara pemberi gadai dan penerima gadai serta penyerahan kebendaan yang digadaikan dari pemberi gadai kepada penerima gadai. Dalam hal pemberian gadai rekening maka harus ada pemberitahuan mengenai adanya penjaminan atas rekening bank tersebut serta dilakukan pembekuan dana (blokir) rekening.Adapun tujuan dari pembekuan dana (blokir) rekening tersebut agar rekening bank tersebut tidak dapat digunakan atau berada dalam kekuasaan pemberi gadai yang menyebabkan syarat inbezitstelling dalam gadai tidak terpenuhi dan gadai menjadi tidak sah. Dalam hal pemberian jaminan berupa gadai rekening di Bank BII khususnya terhadap salah satu debitur yaitu PT. ABC, tidak dilakukan pembekuan dana (blokir) rekening. Sehingga rekening tersebut masih dapat digunakan oleh PT. ABC yang dalam hal ini berati masih dalam penguasaan PT. ABC yang menyebabkan salah satu syarat sahnya suatu gadai terlanggar dan gadainya menjadi tidak sah.

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This thesis concerning about the collateral over bank account at PT. Bank Internasional Indonesia, Tbk. This Thesis mainly focusing about 3 (three) problems. First, about plegde of bank account can be legal and binding as a collateral. Second, explaining about the freeze (blocked) of bank account which is being pledge are neccesary. Third, about implementation of pledge of bank account at PT. Bank Internasional Indonesia, Tbk. This research is legal normative, which some of the data are based on related literatures and interview with some sources.

The result regarding this research is a pledge of bank account can be legal and binding need to obtain 2 (two) elements, which are pledge agreement and delivering of the good. In case of pledge of bank account there must be notified about the existence of the guarantee of the bank account and freeze (blocked) the bank account.

The purpose of freezing the funds (blocked) the bank account is can not be used or in hand of pledgor which cause inbezitstelling in pledge can not be fulfilled and pledge becomes invalid. In case of pledge of bank account as collateral at Bank BII, which is given by PT. ABC is not freezing (blocked). The bank account still can be used by PT. ABC thats mean the element of pledge is being default and the pledge become invalid."

"Menurut data dari Otoritas Jasa Keuangan di tahun 2016, lembaga keuangan konvensional, seperti bank telah melakukan pengaliran dana melalui kredit kepada masyarakat sebesar Rp.660 triliun sedangkan kebutuhan masyarakakat sebesar Rp.1.649 triliun. Kemudian, berdasarkan hasil studi Polling Indonesia menunjukkan bahwa sekitar 171,17 juta orang atau 64,8% masyarakat Indonesia sudah menjadi pengguna internet. Sehingga dengan perkembangan teknologi dankebutuhan masyarakat tersebut, ada alternatif pembiayaan baru, yaitu Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi oleh Financial Technology Peer to Peer Lending. Maka dari itu, penulis menyoroti permasalahan pengaturan yang berlaku di Indonesia khususnya mengenai pengaturan mengenai perjanjian dari kedua kegiatan pembiayaan tersebut. Penulis melakukan perbandingan mengenai pengaturan yang berlaku di Indonesia terkait perjanjian dari kedua kegiatan tersebut yang dilakukan dengan metode penelitian yuridis normatif dan alat pengumpulan data yang digunakan adalah studi dokumen. Dari penelitian yang telah penulis lakukan, penulis menemukan 5 (lima) persamaan dan 9 (sembilan) perbedaan di antara perjanjian kredit dan perjanjian layanan pinjam meminjam uang berbasis teknologi informasi. Berdasarkan penelitian tersebut, penulis memiliki saran, yaitu pada kredit bank dapat diberlakukan suatu pengaturan sehingga perjanjian kredit dapat dilakukan melalui jaringan internet. Sedangkan pada layanan pinjam meminjam uang berbasis teknologi informasi perlu diatur prinsip-prinsip pemberian kredit yang dijadikan pedoman oleh penyelenggara layanan untuk memberikan suatu pinjaman karena pemberian pinjaman olehpemberi pinjaman kepada penerima pinjaman dilakukan tanpa bertemu secara langsung sehingga berisiko tinggi.

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Based on the data collected from the Financial Services Authority in 2016, conventional financial institutions, such as bank has funded as much as Rp.660 trillion, while the needs of the community is around Rp.1.649 trillion. Then, based on the results of the Polling Indonesia study, it showed that around 171.17 million or 64.8% Indonesians had become internet users. So with the development of the technology and the needs of the community, there is new financing alternative, namely Information Technology-Based Lending Services by Financial Technology Peer to Peer Lending. Therefore, the author highlights the regulatory issues that apply in Indonesia, especially on the regulations of the agreement between the two financing activities. Author makes comparison of the applicable regulations regarding the agreement of the two financing activities carried out with the

normative juridical research method and the data collection tool used is the study of documents. Based on the research that the author has done, author found 5 (five) similarities and 9 (nine) differences of regulation in Indonesia between the bank loan agreement and the IT-based lending services agreement. Based on this research, the author has suggestions, bank loan can be regulated so the agreement can be made through the internet network. Whereas in IT-based lending services, it

is necessary to regulate the principles of lending which are used as guidelines by the service providers to give a loan because the lending by the lender to the debtor is done without direct meeting so it has high risk"

"Klausula baku adalah suatu klausula atau syarat - syarat dan ketentuan standar yang dibakukan dan dibuat secara sepihak oleh pelaku usaha dalam hubungan mereka dengan para konsumen. Skripsi ini membahas mengenai penerapan klausula baku pada perjanjian sewa menyewa Safe Deposit Box berdasarkan Undang - Undang Perlindungan Konsumen beserta masalah - masalah yang terjadi di dalamnya. Analisis terhadap permasalahan yang dibahas dalam skripsi ini dilakukan dengan mengacu pada ketentuan Undang - Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen, khususnya Pasal 18 yang mengatur mengenai klausula baku. Oleh karena itu, penulis berpendapat bahwa pengawasan terhadap klausula baku adalah tanggung jawab bersama dari pemerintah, pelaku usaha, lembaga perlindungan konsumen swadaya masyarakat, dan masyarakat itu sendiri selaku konsumen

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Standard Clause is a standardized clause which is made unilaterally by the company in any transaction with the consumers. This thesis concern about the application of standard clauses on the lease agreement of Safe Deposit Box based on Consumer Protection Law, and also the problem that occurred with it. The analysis of the problem which is discussed in this thesis is based on the Law Number 8 of 1999 regarding Consumer Protection, especially in Article 18 which regulate about the standard clause. Therefore, I think that the control to the application of standard clause is a shared responsibility of government, companies, non-government organization, and the society itself as a consumer"