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"[PT Pegadaian (Persero) dalam memenuhi kebutuhan masyarakat dalam memperoleh dana yang mereka butuhkan, berusaha untuk meningkatkan layanan dengan menambah program kegiatannya. Selama ini PT Pegadaian (Persero)hanya dikenal dengan produk jasa gadai. Salah satu bentuk penyaluran pinjaman yang sekarang dijalankan oleh PT Pegadaian (Persero) yaitu perjanjian utang piutang dengan jaminan fidusia. Konsekuensi yuridisnya, PT Pegadaian (Persero) harus mengikuti ketentuan yang diamanatkan dalam UUJF. Perjanjian jaminan fidusia agar mempunyai kepastian hukum bagi kreditur dan debitur, harus dibuatdengan akta notaris. Perjanjian jaminan fidusia tersebut harus didaftarkan di kantor Pendaftaran Fidusia, supaya apabila terjadi wanprestasi oleh debitur, kreditur tetap dapat menjalankan ketentuan yang diatur dalam UUJF. Sehubungan dengan hal tersebut, penulis melakukan penelitian tentang pelaksanaan jaminan fidusia pada PT Pegadaian (Persero) ditinjau dari fungsi PT Pegadaian (Persero) sebagai lembaga gadai dan untuk mengetahui akibat hukumnya perjanjian jaminan fidusia yang tidak didaftarkan apabila terjadi waprestasi. Untuk mencapaitujuan tersebut, penelitian dilakukan dengan metode deskriptif analisis dengan menggunakan pendekatan yuridis normatif. Data hasil penelitian dianalisis denganmenggunakan metode kualitatif. Hasil penelitian diketahui bahwa perjanjian jaminan fidusia pada PT Pegadaian (Persero) dengan nilai penjaminan diatas Rp.10.000.000,- (sepuluh juta rupiah), dibuat dengan akta jaminan fidusia dihadapan notaris dan didaftarkan pada Kantor Pendaftaran Fidusia. Sedangkan nilai penjaminan dibawah Rp. 10.000.000,- (sepuluh juta rupiah) hanya dibuat denganperjanjian jaminan fidusia yang dibuat dibawah tangan dan tidak didaftarkan pada Kantor Pendaftaran Fidusia. Perjanjian jaminan fidusia yang tidak didaftarkan pada Kantor Pendaftaran Fidusia, apabila debitur wanprestasi dalam pelaksanaan eksekusi kreditur dapat menerapkan Pasal 15 dan Pasal 29 UUJF. Perjanjian jaminan fidusia yang tidak didaftarkan pada Kantor Pendaftaran Fidusia dalam pelaksanaan eksekusinya, kreditur harus mengajukan gugatan kepada pengadilan dan dapat menerapkan Pasal 1365 KUHPerdata juncto Pasal 365 KUHP. Sebab lain perjanjian jaminan fidusia yang tidak didaftarkan pada Kantor Pendaftaran Fidusia adalah karena biayanya yang mahal dan jarak Kantor Pendaftaran Fidusia yang sangat jauh, karena hanya ada di Ibukota Propinsi DKI Jakarta. Seharusnya,Kantor Pendaftaran Fidusia mempunyai kantor perwakilannya pada setiap Kabupaten/ Kotamadya di Indonesia.

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In Meeting the Needs of communities for acquiring the funds that they need, PT Pegadaian (Persero) works hard to improve its services by adding up its programs of activities. All this time, at PT Pegadaian (Persero) as known for pand service products. One of the on the go loan programs from PT Pegadaian (Persero) is promissory notes receivable by fiduciary transfer of ownership. As a

juridical consequence, PT Pegadaian (Persero) should follow the provisions as mandated by the Fiduciary Act (UUJF). To be able to have a legal certainty for the debtor and the creditor, the agreement of fiduciary transfer of ownership should be made in notarial decree. The agreement of fiduciary transfer of ownership should be registered in Fiduciary Registering Office, so that in case of default done by the debtor, the creditor may use the provisions in the UUJF. Inconnection with that, the writer researched the unregistered agreement of fiduciary transfer of ownership by PT Pegadaian (Persero) to find out the implementation of fiduciary transfer of ownership in PT Pegadaian (Persero) related to the function of PT Pegadaian (Persero) as a pand institution and to find

out legal consequences on unregistered agreement of fiduciary transfer of ownership toward the return and in the case of default. To achieve the objective above, the study was conducted with the analytical descriptive method using normative juridical approach. Data of the research was analyzed by using qualitative method. Based on the research, the result revealed that agreement of

fiduciary transfer of ownership of PT Pegadaian (Persero) with the value of guarantee above Rp. 10.000.000,- (ten millions rupiah), then made with the fiduciary deed before a notary and registered at Fiduciary Registration Office. If the value of guarantee below than Rp.10.000.000,- (ten millions rupiah), then only be made with agreement of fiduciary transfer of ownership and not be registered. In a registered agreement of fiduciary transfer of ownership, if the debtor are in default in the implementation of the execution, the creditor can apply Article 15 and Article 29 of UUJF. In a unregistered agreement of fiduciary transfer of ownership, to the execution, the creditor must must file a lawsuit to the court and could apply Article 1365 of the Civil Code juncto Article 365 of the Book of Criminal Law. There is a factor when an agreement of fiduciary transfer of ownership is not registered, its is due to expensive cost and great distance of Fiduciary Registration Office, because its only located in the Provincial Capital. The Fiduciary Registration Office shoulc have representatives in every Regency/City.

;In Meeting the Needs of communities for acquiring the funds that they

need, PT Pegadaian (Persero) works hard to improve its services by adding up its

programs of activities. All this time, at PT Pegadaian (Persero) as known for pand

service products. One of the on the go loan programs from PT Pegadaian

(Persero) is promissory notes receivable by fiduciary transfer of ownership. As a

juridical consequence, PT Pegadaian (Persero) should follow the provisions as

mandated by the Fiduciary Act (UUJF). To be able to have a legal certainty for

the debtor and the creditor, the agreement of fiduciary transfer of ownership

should be made in notarial decree. The agreement of fiduciary transfer of

ownership should be registered in Fiduciary Registering Office, so that in case of

default done by the debtor, the creditor may use the provisions in the UUJF.

Inconnection with that, the writer researched the unregistered agreement of

fiduciary transfer of ownership by PT Pegadaian (Persero) to find out the

implementation of fiduciary transfer of ownership in PT Pegadaian (Persero)

related to the function of PT Pegadaian (Persero) as a pand institution and to find

out legal consequences on unregistered agreement of fiduciary transfer of

ownership toward the return and in the case of default. To achieve the objective

above, the study was conducted with the analytical descriptive method using

normative juridical approach. Data of the research was analyzed by using

qualitative method. Based on the research, the result revealed that agreement of

fiduciary transfer of ownership of PT Pegadaian (Persero) with the value of

guarantee above Rp. 10.000.000,- (ten millions rupiah), then made with the

fiduciary deed before a notary and registered at Fiduciary Registration Office. If

the value of guarantee below than Rp. 10.000.000,- (ten millions rupiah), then

only be made with agreement of fiduciary transfer of ownership and not be

registered. In a registered agreement of fiduciary transfer of ownership, if the

debtor are in default in the implementation of the execution, the creditor can apply

Article 15 and Article 29 of UUJF. In a unregistered agreement of fiduciary

transfer of ownership, to the execution, the creditor must must file a lawsuit to the

court and could apply Article 1365 of the Civil Code juncto Article 365 of the

Book of Criminal Law. There is a factor when an agreement of fiduciary transfer

of ownership is not registered, its is due to expensive cost and great distance of

Fiduciary Registration Office, because its only located in the Provincial Capital.

The Fiduciary Registration Office shoulc have representatives in every Regency/

City.

Keywords : Fiduciary, PT Pegada, In Meeting the Needs of communities for acquiring the funds that they

need, PT Pegadaian (Persero) works hard to improve its services by adding up its

programs of activities. All this time, at PT Pegadaian (Persero) as known for pand

service products. One of the on the go loan programs from PT Pegadaian

(Persero) is promissory notes receivable by fiduciary transfer of ownership. As a

juridical consequence, PT Pegadaian (Persero) should follow the provisions as

mandated by the Fiduciary Act (UUJF). To be able to have a legal certainty for

the debtor and the creditor, the agreement of fiduciary transfer of ownership

should be made in notarial decree. The agreement of fiduciary transfer of

ownership should be registered in Fiduciary Registering Office, so that in case of

default done by the debtor, the creditor may use the provisions in the UUJF.

Inconnection with that, the writer researched the unregistered agreement of

fiduciary transfer of ownership by PT Pegadaian (Persero) to find out the

implementation of fiduciary transfer of ownership in PT Pegadaian (Persero)

related to the function of PT Pegadaian (Persero) as a pand institution and to find

out legal consequences on unregistered agreement of fiduciary transfer of

ownership toward the return and in the case of default. To achieve the objective

above, the study was conducted with the analytical descriptive method using

normative juridical approach. Data of the research was analyzed by using

qualitative method. Based on the research, the result revealed that agreement of

fiduciary transfer of ownership of PT Pegadaian (Persero) with the value of

guarantee above Rp. 10.000.000,- (ten millions rupiah), then made with the

fiduciary deed before a notary and registered at Fiduciary Registration Office. If

the value of guarantee below than Rp. 10.000.000,- (ten millions rupiah), then

only be made with agreement of fiduciary transfer of ownership and not be

registered. In a registered agreement of fiduciary transfer of ownership, if the

debtor are in default in the implementation of the execution, the creditor can apply

Article 15 and Article 29 of UUJF. In a unregistered agreement of fiduciary

transfer of ownership, to the execution, the creditor must must file a lawsuit to the

court and could apply Article 1365 of the Civil Code juncto Article 365 of the

Book of Criminal Law. There is a factor when an agreement of fiduciary transfer

of ownership is not registered, its is due to expensive cost and great distance of

Fiduciary Registration Office, because its only located in the Provincial Capital.

The Fiduciary Registration Office shoulc have representatives in every Regency/

City.

Keywords : Fiduciary, PT Pegada]"

"ABSTRAKPenelitian ini bertujuan untuk menganalisa keabsahan grosse akta hipotek atas kapal yang dibuat oleh Pejabat Pendaftar dan Pencatat Baliknama Kapal dengan mendiskripsikan karakteristik grosse akta hipotek atas kapal sebagai sarana proteksi perjanjian kredit dan juga menganalisa peluang-peluang yang dihadapi oleh pemegang hak jaminan hipotek atas kapal dalam menghadapi tantangan-tantangan yang berpotensi menjadi masalah dikemudian hari. Penelitian ini menggunakan metode penelitian hukum normatif, dengan tipologi penelitian bersifat eksplanatoris, sedangkan data yang digunakan adalah data hukum primer, sekunder dan tersier dan menggunakan analisis kualitatif, serta logika berfikir induktif dengan mendasar bahwa keabsahan grosse akta hipotek atas kapal haruslah memperhatikan ketentuan-ketentuan suatu ketetapan yang sah. Dari penelitian ini, ada beberapa hal yang dapat terjawab. Pertama, Akibat hukum yang timbul apabila suatu grosse akta hipotek atas kapal tidak memenuhi ketentuan-ketentuan keabsahan grosse akta hipotek atas kapal adalah penerbitan grosse akta hipotek atas kapal menjadi cacat hukum sehingga menyebabkan akta hipotek atas kapal tersebut menjadi batal demi hukum dan grosse akta hipotek atas kapal menjadi tidak memiliki kekuatan eksekutorial. Kedua, Tantangan-tantangan yang dihadapi oleh Kreditor selaku pemegang hak jaminan hipotek atas kapal diantaranya adalah penyelesaian perkara melalui proses pengadilan dalam praktiknya dinilai tidak efektif; Lembaga eksekusi atas kekuasaan sendiri menjadi tidak lebih efisien daripada eksekusi berdasarkan grosse akta hipotek atas kapal. Peluang dalam menjawab tantangan-tantangan tersebut, adalah: pelaksanaan eksekusi objek jaminan hipotek atas kapal yang baik, dan terupayanya efisiensi serta efektifitas dalam prosedur eksekusi jaminan hipotek atas kapal.

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ABSTRACTThis study aims to analyze the validity of the deed of mortgage on vessels made ​​by Registrant and Registrar Officials for Vessels Transfer of Title by describing the characteristics of the deed of mortgage on vessels as means of protection for loan agreement and by analyzing the opportunities faced by holders of mortgage on vessels insurance to deal with challenges that could potentially be problematic in the future. This study uses normative method and the typology is explanatory; while the data included are data of primary, secondary and tertiary law by using qualitative analysis, and the logic of inductive thinking considering that the validity of the deed of mortgage on vessels must observe the terms of legal provisions. From this study, there are several things that may be answered. First, the legal consequences that arise when a deed of mortgage on vessel does not meet the terms of the validity is that the publishing of deed of mortgage on vessels may be legally defective, causing the mortgage on vessels deeds become null, and deed of mortgage on vessels becomes powerless in terms of executorial. Second, the challenges faced by the creditor as collateral mortgage holders on vessels including the settlement through the court process considered practically ineffective; Institute for the execution of the power itself becomes less efficient than the execution of the deed of mortgage on vessels. Opportunities in responding to these challenges are: the execution of the good mortgage collateral objects on the vessels, and efficiency and effectiveness in the execution procedure collateral mortgage on the vessels."

"Gadai adalah hak kebendaan atas benda milik orang Iain yang semata mata diperjanjikan dengan penyerahan jaminan atas benda tertentu dengan tujuan pengambilan pelunasan hutang dari pendapatan penjualan benda tersebut terlebih dahulu dari kreditu lainnya. Dalam pelaksanaan gadai Perum Pegadaian harus mengikuti segala prosedur yang telah ditentukan oleh Peraturan Direksi. Dalam pelaksanaan gadai seringkali terjadi kasus kasus yang dapat merugikan pemberi gadai ataupun penerima gadai. Seperti kasus wanprestasi, kasus pencurian dan kasus barang palsu. Kasus wanprestasi terjadi apabila nasabah tidak melunasi pinjaman tepat waktu. Dan akibat dari wanprestasi tersebut barang jaminan milik nasabah akan dilelang oleh Perum Pegadaian. Dari hal-hal yang diuraikan tersebut maka timbul beberapa permasalahan yaitu bagaimanakah prosedur pelaksanaan jaminan gadai pada Perum Pegadaian cabang Jatinegara, apakah yang akan dilakukan oleh Perum Pegadaian apabila dalam pelaksanaan perjanjian jaminan gadai pihak debitur wanprestasi atau tidak melaksanakan kewajibannya dan bagaimanakah pertanggungjawaban perum Pegadaian apabila ada barang jaminan milik nasabah yang hilang. Untuk memperoleh kejelasan tersebut metodologi penulisan dilakukan dengan penelitian kepustakaan. Data data yang telah didapat kemudian dianalisis secara kualitatif dan dituangkan dalam penulisan tesis ini secara deskriptif analisis. Dan berdasarkan teori serta analisis kasus diperoleh kejelasan bahwa dalam pelaksanaan jaminan gadai, Perum Pegadaian harus melakukannya sesuai Prosedur Pedoman Operasional Kantor Cabang. Apabila ada nasabah yang melakukan wanprestasi maka barang jaminannya tersebut akan dilelang oleh Perum Pegadaian dengan terlebih dahulu melakukan pemberitahuan kepada nasabah tersebut, dan apabila barang jaminan nasabah hilang maka Perum Pegadaian sesuai dengan keputusan direksi Perum Pegadaian nomor 546/UI.1.00211/2005 harus menggantinya sebesar 100% dari harga taksiran.

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Pawn is a right in which can be made by physical transfer of certain objects as pledge, in order to ensure the settlement of the agreement, is precedence from other crediture. Pledge in the agreement such as mortgage or pawn agreement, as a collateral, meant to give legal certainty to the partis in the agreement, that the money being lent, will be returned or repay according to the agreement. ln implementing the agreement, Perum Pegadaian, has to follow some certain procedures. ln pawn and its agreement, there are often happen cases that can harm the interest, nor the pledgor or pledge recipients.cases such as, breach, counterfeit, fake or stolen objects that uses as pledge/collateral, etc. Breach of agreement case, happen when the pledgor fail to settle the debt, according to the agreement. In which resulted to the sell or auction of the pledge/collateral, to settle the debt, by Perum Pegadaian. From all this arose some certain questions and problems, which are, how is the actual procedure of implementing the pledge/colateral as an object to settle the debt, if the pledgor breach the agreement or fail to settle the debt. And other way around, how is the responsibility of Perum Pegadaian in case the pledge/collateral in its possesion is damaged or lost? In order to obtain the explanations, this thesis focused the research at Perum Pegadaian, Jatinegara branch, which represents the procedures in Perum Pegadaian as a whole. Data gathering methods in this thesis are library research, which consist of Primary Law resources and secondary Law resources. Data gathered then analysed qualitatively and served in descriptive analysis method in the thesis. Based on theories and analysis, founded that at branch office level, Perum Pegadaian have to follow the operational procedures guidance. lf there are breach in agreement, by the pledgor, specifically, the pledgor fail to repay the debt according to the agreement, the pledge then will be subjected to be sold or auctioned by Perum Pegadaian, with early notice to the pledgor. And in which cases the pledge or collateral are damaged or lost, than according to the Keputusan Direksi Perum Pegadaian Nomor.546/UI.1.00211/2005, Perum Pegadaian obliged to make the repayment, as much as 100% from the estimated values of the lost or damaged pledge/collateral."

"Lembaga pegadaian mempunyai hak untuk mengambil pelunasan piutangnya dengan cara melelang barang jaminan gadai yang di bawah kekuasaannya. Sehubungan dengan hal di atas beberapa permasalahan yang akan di cari jawabnya yaitu (1) Bagaimana Praktek pelaksanaan lelang barang jaminan gadai di Perum Pegadaian, (2) Apakah proses pelaksanaan gadai sudah sesuai dengan peraturan yang berlaku, (3) Apakah kendala yang dihadapi Perum Pegadaian cabang Depok dalam melakukan lelang barang jaminan gadai.Disamping itu juga dilakukan penelitian terhadap bahan kepustakaan hukum untuk memperoleh data sekunder, Alat yang penulis gunakan dalam pengumpulan data di lapangan adalah studi dokumen dan wawancara dengan informan yakni pejabat Perum Pegadaian serta staf dan pihak terkait yang kemudian dianalisis menggunakan metode kualitatif. Dari penelitian yang dilakukan diperoleh kesimpulan sebagai berikut : (1) Pelelangan barang jaminan gadai di Perum Pegadaian terbagi atas beberapa tahap, yaitu : a. Pemberitahuan Lelang; b. Persiapan Lelang; c. Pelaksanaan Lelang; d. Tindakan setelah Lelang, (2) Debitur dapat meminta penundaan pelaksanaan lelang dengan dua cara, yaitu a. Mencicil sebagian utang atau b. Gadai ulang, (3) Debitur wajib melunasi sisa hutangnya apabila barang jaminannya yang dilelang, ternyata tidak mampu menutupi hutangnya dan debitur berhak atas kelebihan uang dari hasil lelang barang jarninan gadai miliknya, (4) Dalam prakteknya pelaksanaan lelang barang tersebut dimiliki beberapa hambatan, yaitu a. Proses pemberitahuan lelang yang tidak sampai pada pihak nasabah atau masyarakat; b. Berubah-ubahnya harga pasar terhadap barang jarninan yang menyulitkan dalam proses penaksiran oleh Perum Pegadaian, c. Kurang memadai dan representatifnya tempat pelelangan di Perum Pegadaian; dan d. Sulitnya pihak Perum Pegadaian dalam menjual Barang Sisa Lelang (BSL) atau barang jaminan gadai yang tidak laku dijual dalam pelelangan.

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Pawn is given to guarantee a claim. Pawn application wa done by institution called pawn house. If the debtor negligent to pay pawn debt after the time limit, pawn haouse would do auction to the pawn object. Here the writer was interesting to discuss about auction application of pawn object caused by broken agreement in Pawn house Depok. The research was done in Pawn House Depok city using data source consosted of interview, observation and documentation.

For data conclusion, the eriter used qualitative analysis. From the research, there could be found that broken agreement in pawn agreement caused auction to the pawn object in Pawn house- Depok were: customer didn?t do the agreement at all; (2) customer did agreement but imperfect; (3) customer was late in paying pawn, so that the collateral would be sold by auction by the pawn house. Auction application in broken agreement at pawn agreement consisted of preparation, application according to the time limitation, and aucted material according to the number existed in form, and the last phase was calculation and payment. Things which could not be sold in auction would be considered as auction residue (Barang Sisa lelangBSL) which would be sold again in the next auction. Inhibition factors were: (1) the price in market; (2) physical condition; (3) the precious things price like gold, diamond, and jewelry were always changed all time. The supporting factors were: (1) assumption that the price would be cheaper; (2) the consumer had found the broken agreement risk. The writer here suggested Pawn House Depok City should be more flexible in handling pawn customer who broke their agreement. The customers should pay attention to the factors influenced the pawn house did auction based on broken agreement condition."

"ABSTRAKDewasa ini, perusahaan diperhadapkan pada era disrupsi yang sangat kental akan digitalisasi serta membawa berbagai perubahan dan kemudahan. Tentu saja ini merupakan tantangan baru yang harus dihadapi perusahaan yang ada di mana pun, khususnya Indonesia. Fenomena ini merupakan alasan peneliti untuk menjadikan PT. Pegadaian (Persero) yang telah berdiri sejak tahun 1901 sebagai objek penelitian. Era disrupsi yang terjadi turut menghadirkan tantangan bagi PT. Pegadaian (Persero) yang berstatus sebagai badan usaha milik negara serta memaksa PT. Pegadaian (Persero) untuk berinovasi dan melakukan pergeseran dalam sistemnya untuk dapat bertahan dan tidak terdisrupsi. Penelitian ini bertujuan untuk menjelaskan tantangan-tantangan yang muncul di era disrupsi dan strategi inovasi yang dilakukan oleh PT. Pegadaian (Persero) dalam menjawab tantangan-tantangan tersebut. Penelitian ini merupakan penelitian kualitatif dengan melakukan studi literatur komprehensif dan wawancara mendalam. Hasil dari penelitian ini akan menggambarkan tantangan-tantangan yang muncul di era disrupsi bagi perusahaan konvesional dan strategi inovasi yang dilakukan guna menjawab tantangan-tantangan tersebut. Oleh karena itu, hasil dari penelitian ini dapat menjadi solusi dan membantu perusahaan-perusahaan lain yang sedang berjuang untuk merespon dan beradaptasi di era disrupsi ini.

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ABSTRACTNowadays, companies are faced with an era of disruption that is very thick with digitalization and brings various changes and easiness. Of course this is a new challenge that must be faced by all companies around the world, especially in Indonesia. This phenomenon is the reason of making PT. Pegadaian (Persero) which has been established since 1901 as the object of this research. The disruptive era that occurred also brought some new challenges for PT. Pegadaian (Persero), which has the status of a state-owned enterprise, and forces PT. Pegadaian (Persero) to innovate and make a shift in its system to survive and not be disrupted. This Research aims to explain the challenges that emerged in the era of disruption and innovation strategies carried out by PT. Pegadaian (Persero) in answering those challenges. This research is a qualitative research by conducting a comprehensive literature study and in-depth interviews. The results of this research will illustrate both external and internal challenges that show up in the era of disruption for conventional companies and innovation strategies that have been implemented to answer those challenges. Therefore, the results of this research can become a solution and help other companies that are struggling to respond and adapt in this disruptive era."

"Laporan magang ini membahas dan menganalisis proses bisnis pada produk KCA Kredit Cepat Aman Pegadaian PT Pegadaian Persero serta membahas dan menganalisis kelemahan pengendalian internal pada kasus gadai fiktif terkait produk KCA Pegadaian tersebut. Pembahasan meliputi analisis proses bisnis, uraian kasus gadai fiktif serta analisis kelemahan pengendalian internal terkait kasus gadai fiktif tersebut. Hasil analisis kasus tersebut menunjukkan bahwa terdapat kelemahan pengendalian internal dalam proses bisnis KCA Pegadaian.

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This report is aimed to explain and analyze the bussiness process of KCA Pegadaian as a product from PT Pegadaian Persero , a state owned pawn company, for the year ended December 31, 2017.This report also explain and analyze the case of fictitious pawn from the product of KCA Pegadaian. The discussions covers bussiness process analysis, the explanation of the fictitious pawn case, and the analysis of the internal control weaknesess. The result showed that there is weakness of internal control in KCA Pegadaian bussiness process."

"ABSTRAKDalam melaksanakan kegiatannya, bank harus memperhatikan norma dan prinsip hukum yang berlaku agar tidak merugikan pihak yang berurusan dengannya. Di beberapa kasus yang terjadi di masyarakat, bank dalam menyelenggarakan kegiatannya tak jarang membuat kesalahan yang menimbulkan kerugian terhadap nasabahnya. Pada tanggal 1 Juni 2010, applicant mengirimkan Surat No. 2810/VI/2010 kepada Bank untuk mengakhiri kontra garansi atas dasar terselesaikannya semua pekerjaan. Namun ada kelalaian dari pegawai bank yang tidak segera menindaklanjuti pengakhirankontra garansi tersebut, yang mengakibatkan dicairkannya performance bond applicant. Tujuan penelitian ini adalah untuk mengkaji, memahami, dan meninjau mengenai proses pemberian kontra garansi dalam praktik penerbitan bank garansi dikaitkan dengan Peraturan Bank Garansi. Pokok permasalahan yang akan dibahas adalah mengenai bagaimana proses pemberian kontra garansi yang sesuai dengan peraturan yang berlaku dan tanggung jawab bank sebagai penjamin dalam pemberian kontra garansi ini. Metode penelitian yang digunakan dalam penelitian ini adalah penelitian yuridis normatif, yang sumbernya dapat diperoleh dari bahan pustaka dan studi dokumen, serta penulis mengadakan wawancara kepada narasumber untuk menambah informasi untuk penelitian ini. Bank dalam kasus ini telah melakukan suatu perbuatan melanggar hukum dalam pemberian kontra garansi

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ABSTRACTConducting its activities, the bank must pay attention to the norms and principles of law in order not to harm those who deal with it. However, in some cases, the bank, in conducting its activity, often makes mistakes that cause losses to customers. On June 1, 2010 , the applicant sent a letter (No. 2810/ VI / 2010) to the bank to terminate the counter guarantee on the basis of completion of all the work. But there is negligence of bank employees who do not immediately follow the termination of the counter guarantee, which resulted in the disbursement of applicant's performance bond. The purposeof this study is to assess, understand, and reviewing the process of closing a counter guarantee in bank guarantee's practice by Bank Guarantee?s rule. The subject matter that will be discussed is about how to closuring a counter guarantee in accordance with applicable regulations and responsibilities as aguarantor bank in the provision of this counter guarantee. The method used in this research is normative juridical research, which can be obtained from the material library source and documents study, as well as the interview to supplement informations for this study. In this case, bank hascommitted an un-lawful act in the provision of counter guarantee."

"Penelitian ini bertujuan untuk meneliti dan untuk mencari tahu 1) Perbedaan gadai konvensional dan gadai sharia secara real cost dengan melakukan; a.Simulasi perhitungan contoh kasus sesuai dengan perhitungan yang dirumuskan dalam Peraturan Direksi PT Pegadaian (Persero). ;b.Melakukan uji beda terhadap hasil perhitungan dengan uji Wilcoxon. 2) Mengetahui resiko dari bisnis gadai yang dilakukan oleh PT Pegadaian (Persero). 3) Mencari tahu kesesuaian produk gadai shariah dengan shariah compliance yang berlaku (rahn). Jenis data yang digunakan dalam penelitian ini adalah data sekunder yang didapat dari hasil asumsi perhitungan penulis sesuai dengan Peraturan Direksi yang ditetapkan pada PT Pegadaian (Persero). Adapun hasil penelitian menunjukkan adanya perbedaan signifikan antara gadai konvensional dan gadai sharia. Resiko yang ditimbulkan pun lebih besar gadai sharia, dari segi compliance gadai sharia masih perlu melakukan banyak peninjauan kembali.

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This study aims to investigate and to find out 1) Difference conventional mortgage and pledge of sharia in real cost by doing; a.Simulasi calculation examples of cases in accordance with calculations defined in the Regulation of the Board of Directors of PT Pawnshop (Persero). ; b.Melakukan different test to the results of the calculation with the Wilcoxon test. 2) Knowing the risks of the pawn business conducted by PT Pawnshop (Persero). 3) Finding out the suitability of the product pawn shariah shariah compliance with applicable (Rahn). Data used in this study is sekuder the data obtained from the author's calculations assuming the Board of Directors in accordance with the Regulations set out in PT Pawnshop (Persero). The results showed significant differences between conventional mortgage and pledge of sharia. The risks were greater lien sharia, sharia in terms of compliance lien still need to do a lot of reconsideration."

"ABSTRAKPT PEGADAIAN (Persero)dalam menjalankan kegiatan usaha berupa penyaluran pinjaman atas dasar hukum gadai yang dalam pelaksanaanya disertai dengan tenggang waktu atau batas waktu. Maksudnya adalah untuk menjaga agar jangan sampai nasabah lalai untuk membayar pinjaman yang telah diberikan. Apabila dalam waktu yang telah ditentukan pinjaman yang diberikan kepada nasabah tidak dilunasi atau diperpanjang, maka barang jaminan nasabah dapat dijual dalam pelelangan oleh PT PEGADAIAN (Persero). Sehubungan dengan hal tersebut, perlu diketahui implikasi hukum apa saja dari pelaksanaan pelelangan barang jaminan nasabah tersebut, dan bagaimana perlindungan hukum baik bagi PT PEGADAIAN (Persero) maupun bagi nasabah.Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian yuridis normatif dengan sifat penelitian deskriptif analitis yang bertujuan untuk menggambarkan serta menganalisa data yang diperoleh secara sistematis, faktual, dan akurat mengenai implikasi hukum pelelangan barang jaminan nasabah untuk pelunasan kredit yang diberikan berdasarkan hukum gadai di PT PEGADAIAN (Persero). Untuk itu jenis penelitian yang digunakan analisis data yang dilakukan secara deskritif kualitatif dengan menggunakan metode induktif.Berdasarkan hasil penelitian terhadap pelaksanaan pelelangan, secara umum terdapat dua implikasi yaitu yang pertama bahwa barang jaminan tidak laku dilelang yang pada awalnya oleh PT PEGADAIAN (Persero) dijadikan Barang Lelang Milik Perusahaan (BLP) namun selanjutnya diubah menjadi Barang Jaminan Dalam Proses Lelang. Implikasi Pelelangan yang kedua berupa Barang Jaminan laku dilelang yang terbagi menjadi tiga hal terdiri dari hasil lelang cukup untuk melunasi utang nasabah, hasil lelang tidak cukup untuk melunasi utang nasabah dan hasil lelang yang melebihi dari kewajiban yang dibebankan kepada nasabah.

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ABSTRACTPT PEGADAIAN ( Persero ) in the conduct of business activities in the form of lending on the basis of the pawn law in its implementation is accompanied by a grace period or time limit . The point is to keep the customers not to neglect to pay the loan has been granted. If the predetermined time loans granted to customers not repaid or extended, then the customer collateral may be sold in the auction by PT PEGADAIAN ( Persero ). In connection with this, please know what the legal implications of the implementation of the customer assurance auctions, and how to better legal protection for PT PEGADAIAN ( Persero ) as well as for customers.The method used in this study is a research method to the nature of normative analytical descriptive study aimed to describe and analyze the data obtained in a systematic, factual, and accurate information on the legal implications auction customer collateral for the repayment of loans granted by pawn law in PT PEGADAIAN ( Persero ). For that kind of research used data analysis is done by using descriptive qualitative inductive method .Based on the results of a study of the implementation of the tender, in general there are two implications is the first that did not sell the collateral initially auctioned by PT PEGADAIAN ( Persero ) used Auction Items Owned Company (BLP) but later changed to In Process Assurance Goods Auction. The second implication auction guarantee in the form of salable items auctioned were divided into three terms consisting of auction proceeds sufficient to repay customers, the results of the auction are not enough customers to pay off debt and auction proceeds in excess of the liabilities charged to the customer"