Fiduciary System Research Articles

EKSEKUSI PERJANJIAN KREDIT DENGAN JAMINAN FIDUSIA DI ERA PANDEMI (TELAAH KAJIAN MASLAHAH MURSALAH)

The government has a program for small entrepreneurs in terms of activating the provision of credit to weak economic groups for the welfare of people's lives. Credit granting programs with a Fiduciary system can help credit recipients and credit providers. If the guarantee right can be executed quickly with a simple, efficient process and contains legal certainty, this is one of the parameters of a material debt guarantee. This research method uses the Juridical Empirical method, which is an approach taken to analyze the effectiveness of a regulation/legislation or existing law. In this case the approach is used to analyze qualitatively the implementation of fiduciary guarantees in Indonesia. This study uses primary data, namely data obtained directly from the field through an interview process and secondary data, namely examining various legal materials through library research. The analysis used in this research is qualitative analysis which draws conclusions using deductive analysis. Fiduciary Guarantee Law Number 42 of 1999 regulates the execution of Fiduciary Guarantees in Indonesia where there are various variations of the execution, therefore the parties can choose which execution model they want. However, in practice how to carry out the execution of fiduciary guarantees when there are problem loans, many still do not know, especially the implementation in pawnshops, which in fact have just handled the fiduciary system installment credit program. Which model is used by creditors throughout Indonesia. It is hoped that by knowing the system, model or method of executing fiduciary guarantees in this study, people will know more about the ins and outs, their rights and the consequences when taking credit with fiduciary system installments to creditors.

Pengaruh Kualitas Produk Kredit Angsuran Sistem Fidusia (KREASI) Terhadap Peningkatan Jumlah Nasabah (Studi Kasus Pada PT. Pegadaian Cabang Pungkur Kota Bandung)

This study aims to determine whether the quality of the fiduciary system installment credit product (KREASI) can influence increasing the number of customers (case study at PT. Pegadaian Pungkur branch, Bandung city). The method of T-test and F test using SPSS 25 program and descriptive quantitative approach is the type of approach used in this research. In this study, the information taken came from observational data, supporting journals, and questionnaires distributed using Google forms with samples that had been studied from 100 respondents. The results of this study prove that product quality significantly affects the increase in the number of customers.
 Keywords: Product quality, KREASI, Increasing Number of Customers

Evaluasi Prosedur Pemberian Kredit Cepat Aman (KCA) dan Kredit Angsuran Sistem Fidusia (KREASI) pada PT. Pegadaian (PERSERO) Cabang Ende

This study aims to determine the procedure for granting credit Fast and Amana (KCA) and Fiduciary System Installment Credit (KREASI) at PT. Pegadaian (Persero) Ende Branch. This type of research used in this research is descriptive research. The method used in this study is a qualitative descriptive method that seeks to describe a phenomenon, event, event that occurred. Descriptive research focuses on the actual problem as it was when the research took place. Sources of data used in this study are primary data and secondary data, while data collection techniques are done by observation, interviews, and documentation. The results of research conducted at PT. Pegadaian (Persero) Ende Branch regarding Evaluation of KCA and KREASI credit granting procedures, shows that the procedure for granting credit to PT. The Ende Branch Pawnshop has been implemented well in accordance with existing theories, but there is a need for improvement in several related functions and improvements such as the appraisal function is separated from the storage section and the cashier function is separated from the administrative function so that the credit granting process can run well.

Analysis of the Application of Management Control System for Fiduciary Installment Credit (KREASI) at PT Pegadaian Medan City Region

Management control system is a system used to influence its members to implement strategies efficiently and effectively in order to achieve organizational goals. The purpose of this study was to determine how the implementation of the management control system at PT Pegadaian Medan City Region. PT. Pawnshops also require a control in order to achieve the company's overall goals. This control is preventive and repressive control. To achieve this goal requires a good management control system so that the credit is not problematic. The purpose of this study is the application of a management control system for the distribution of Fiduciary Installment Loans (KREASI) at PT Pegadaian Manado City Region. The analytical method used is descriptive analysis. The results of the analysis show that the process of providing Installment Loans for the Fiduciary System (KREASI), at PT. The Manado Regional Pawnshop has been carried out well by competent employees in their respective fields who have high honesty and dedication in carrying out their duties. Separation of duties has also been carried out well in each process of providing Fiduciary Installment Loans (KREASI), at PT. Manado Regional Pawnshop. PT Pegadaian Manado Region has implemented proper authorization procedures in all processes of providing Fiduciary Installment Loans (KREASI), namely at the time of the mortgage loan application process, the authorized officer is the estimator, during the pawn credit analysis process the authorized officer to analyze credit is the Power of Attorney Credit (KPK), during the credit withdrawal process the authorized officer is the cashier, while for the monitoring process the officer authorized to carry out supervision is the branch head

PELAKSANAAN EKSEKUSI OBJEK JAMINAN FIDUSIA BERDASARKAN PUTUSAN MAHKAMAH KONSTITUSI NOMOR 18/PUU-XVII/2019 DI PT PEGADAIAN KANTOR WILAYAH II KOTA PEKANBARU

In line with the government's program to encourage lending to small businesses and the weak economic class which is the largest part of the Indonesian people. So it is expected that with credit based on fiduciary system can help both credit recipients and creditors. One of the parameters of a good material debt guarantee is when the right of guarantee can be executed quickly with a simple, efficient process and contains legal certainty. The specific target of this study is to explain the problem solving about the implementation of Fiduciary Guarantee Object Execution Based on the Decision of the Constitutional Court No. 18/PUU-XVII/2019 at PT Pegadaian KantorWilayah II Pekanbaru City.

Pelaksanaan Perjanjian Kredit Dengan Jaminan Fidusia Pada PT. Pegadaian (persero) Kantor Wilayah I Medan

Abstract The high demand of public for installment plans with fiduciary security has changed PT. Pegadaian (Persero), a state-owned enterprise which business was initially about auction launches a financing product i.e. KREASI (Installment Plans with Fiduciary System). However, in practice, the implementation of this product is different form Law No. 42/1999 on Fiduciary Security. This is the background of this research. This research is conducted to discover how the agreement of Installment Plans with Fiduciary System is implemented and executed in PT. Pegadaian (Persero) Regional Office 1 Medan and why it is implemented differently from what is regulated in Law on Fiduciary Security.This is a normative juridical research which uses secondary data consisting of primary, secondary and tertiary legal materials. This research is descriptive analytical. The instrument used to collect the data consist of library research and field research at the PT. Pegadaian (Persero), Regional Office 1 Medan.The research result demonstrate that fiduciary security in its execution is not registered in consensus way in which defaulted debtors are given an opportunity to sell their collateral by themselves (motorcycles or cars) and if they are not willing to have consensus, they can take legal way through a court. The implementation of Regulations of Directors of PT. Pegadaian Number 67/DIR.I/2016 dated September, 2016 on Technical Guidance to online KREASI contradicts the provisions stipulated in Law No. 42/1999 on Fiduciary Security because it differently implements Article 5 paragraph (1) and Article 11 paragraph (1), in which some installment plans which is implemented by using underhanded letter and by not registering it do not provide any legal certainty in its execution in case of debtors’ default (Article 15 and 29) and may harm state finance. It is suggested that regulation of Directors of PT. Pegadaian on Installment Plans with Fiduciary System be revised and fully adjusted to the Law No. 42/1999 on Fiduciary System and that small installment plans be implemented by using auction security. Keywords: Credit Agreement, Fiduciary Security

Analisis Peran Pembiayaan oleh Pegadaian Syariah bagi Pengembangan UMKM

Sharia pawnshops are part of non-bank financial institutions in Indonesia that function to distribute financing through lending money based on the principle of pawn to the business sector in need. UMKM is a business sector that mainly faces constraints on access to financing in the aspect of guarantee and legality and administrative procedures. The Ar-Rum product was launched by Sharia pawnshops using a fiduciary system, in the hope of assisting the needs of the business sector. This study aims to analyze how the role of Ar-Rum as financing product in the development of SMEs. Primary data were collected through questionnaires and interviews on 100 customers, then analyzed using descriptive and statistics methods. Descriptive analysis results show that the majority of respondents stated strongly agree or agree that Ar-Rum useful to help the development and sustainability of their business, while the results of statistical tests states that the Ar-Rum product positively and significantly influences on the development of SMEs.

ANALISIS KOMUNIKASI KONSUMEN TERHADAP FIDUSIA LEASING KENDARAAN PADA STUDI KASUS DEBT. COLLECTOR DENGAN FIDUCIARY VEHICLE SYSTEM METHODS

Debt. collector with Fiduciary Vehicle System Method with the term FVSM. With FVSM analysis system with fiducative vehicle control method as vehicle payment system in leasing system, as the pattern of business trust balance and fiduciary function. So the system of vehicle control method as fiducative vehicle payment system for fiduciary system guarantee as applied scope of vehicle business leasing system. The recognition of the system by the method of vehicle control fiducative for guarantees to prevent conflicts in the pattern of fiducative vehicle balance to study the system is more safely controlled on the fiduciary system conducted by the community. It analogy system with controlling method and supervision of vehicles fiducative to restore business trust system on pattern of fiduciary system which gives ease. With the FVSM system is a process of studying business communication systems on the pattern of vehicle control methods fiducative for guarantees to prevents conflicts in the pattern of vehicle fiducative balance to learn the system is more secure controlled on the security system asset business environment.

PERAN NOTARIS DALAM AKTA PENGIKATAN GADAI AKIBAT HUKUM WANPRESTASI TERHADAP AKTA PENGIKATAN GADAI DI PT. PEGADAIAN (Persero) DALAM PERSPEKTIF TUJUAN HUKUM

This study aims to determine and analyze the role of notary in the process of making pawn bonding deeds in PT. Pegadaian (Persero); knowing and analyzing the consequences of legal wanprestasi against pawn bonding deed in PT. Pegadaian (Persero) in the perspective of law objectives, as well as to describe the solution in overcoming the debtor's default.The method used in this study is the method of normative juridical approach that emphasizes the decomposition and interpretation of data associated with the rules of law or doctrines namely the Book of Civil Law, Government Regulation No. 103 of 2000 on the Public Corporation Pawnshops.The result of this research is that 1) The role of notary in binding process of guarantee of pawn with fidusia notary system does not come into play directly but the product produced by a notary is indispensable, so that later can be used as document to anticipate things unwanted by the parties, by first entering into the mortgage agreement as the principal agreement while the bond agreement binding agreement with the fiduciary system in PT. Pegadaian (Perero) is merely an accesoir agreement of the principal agreement of credit agreement. After the signing of the credit agreement, it is followed by the signing of the guarantee bailing and the delivery of collateral from the debtor to the creditor. However, in the pawn bond agreement with the fiduciary system, the guarantee goods remain controlled by the debtor to be treated, stored and used as well as possible while PT. Pegadaian (Persero) as the creditor only keeps Proof of Ownership of Motor Vehicle owned by debtor, 2) Effect of law of wanprestasi in agreement of pawn binding through fiduciary system in perspective of law objective at PT. Pegadaian (Persero) is that the juridical object of mortgage guarantees is in the power of creditors but because it uses fiduciary system then PT. Pegadaian (Persero) allows the debtor to control the guarantee items to be treated, stored and used, but if the debtor wanpretasi then the PT. Pegadaian (Persero) may confiscate collateral goods from the debtor party but by first sending a warning or a reprimand letter with the criteria approved in the previous credit agreement and 3) Solution to overcome the debtor wanprestasi in pawn bond agreement in fiduciary system at PT. Pegadaian (Persero) then it can be done by checking and visiting the debtor's home to know the condition of the collateral whether it is still in place of the debtor or has been transferred to another party also to know the condition of the last assurance whether it is still as usual or there has been a physical change, which resulting in the selling price down and so forth.Keywords: Notary Role, Default, Deed of Pawn License

Legal and Economic Considerations on the Efficacy of the Civil Law Fiduciary System Compared to the Common Law Trust under the Debates on the Dual Property System

Fiduciary is a better alternative than real securities in many respects. However, it has critical legal and economic disadvantages that cause inefficient consequences. Drawbacks of fiduciary outweigh its advantages compared to Common Law Trust. Since, Trust is based on a distinction of legal ownership and equity ownership which is compatible with the distinction of legal rights and economic rights in the economic theory of property rights. This compatibility between Trust and economic theory makes the Trust economically efficient. On the other hand, the economic rights and legal rights distinction is an unfamiliar issue to the civil law of property system. The civil law of property system covers limited real rights in accordance with the principle of numerus clausus that historically includes legal ownership as legal rights and to repudiate economic rights. In this paper, we analyse how to eliminate legal and economic drawbacks of fiduciary in order to make it as efficient as Trust in the light of transaction cost theorem. The dual property system in the Trust and economic theory should not be totally injected into the civil law of property system. However, the dual property system or a system may have legal consequences as quasi-dual property systems might be injected into a specific field like fiduciary transactions in civil law based capital markets. This argument has been legalized under the EC/2002/47 Financial Collateral Directive and Article 47 of the new Turkish Capital Markets Act.

IMPLEMENTASI KEBIJAKAN KREDIT ANGSURAN SISTEM FIDUSIA (KREASI) DI PT. PEGADAIAN CABANG JATIWANGI KABUPATEN MAJALENGKA

This research was conducted and aimed to describe Installment Credit Policy Implementation Fiduciary System (CREATION) at PT. Pawnshop Branch Jatiwangi Majalengka. The background of this research are the author examines terarik Credit Installment Fiduciary System (CREATION) at PT. Pawnshop Branch Jatiwangi Majalengka. The study was conducted to determine the extent of Installment Credit Policy Implementation Fiduciary System (CREATION) at PT. Pawnshop Branch Jatiwangi Majalengka, knowing the factors that affect the implementation of the Credit Installment Fiduciary System (CREATION) at PT. Pawnshop Branch Jatiwangi Majalengka also to know the obstacles encountered in the implementation of Installment Credit Policy Fiduciary System (CREATION) at PT. Pawnshop Branch Jatiwangi Majalengka, and efforts were made to overcome these barriers. The research method used is descriptive qualitative method approach, the study took place at PT. Pawnshop Branch Jatiwangi Majalengka. While the informants in this study is the Head PT. Pawnshop Branch Jatiwangi Majalengka, executive power paul PT. Pawnshop Branch Jatiwangi Majalengka and customer PT. Pawnshop Branch Jatiwangi Majalengka. Data collection techniques used are literature studies, observation and in-depth interviews. Analysis of data is done through data reduction, data display, and verification and conclusion. While testing the validity of the data dikukan using triangulation techniques. The Policy Implementation theory used is Edward ІІІ theory, namely: 1. Communication, 2. Sources, 3. Disposition, 4. Bureaucratic structure

ANALISIS PENGARUH KREDIT CEPAT AMAN (KCA), KREDIT ANGSURAN SISTEM FIDUSIA (KREASI), KREDIT ANGSURAN SISTEM GADAI (KRASIDA), DAN KREDIT SERBA GUNA (KRESNA) TERHADAP PENDAPATAN SEWA MODAL PADA PT. PEGADAIAN (PERSERO) KANWIL VI MANADO

The services product of PT. Pegadaian ( Persero) , are Credit Fast Secure, Installment Loans Fiduciary System, Installment Loans Pawn System, and Multipurpose Loan. Customer will repay the loan with interest in this case is a capital lease is revenue that received of PT. Pegadaian ( Persero) by loans extended. In line with the growth of the existing business can be seen the increase of lease income on lending capital that during 2006 to 2011. This research is analyze the causal’s relationship to examine the effect of the fact and phenomena and seek factual information to research that explained on the effect of Credit Fast Secure, Installment Loans Fiduciary System, Installment Loans Pawn System, Multipurpose Loan on Capital Lease Revenue at PT. Pegadaian ( Persero) Regional Office VI Manado which is a services products on offer to the public. From these research it can be concluded that Credit Fast Secure, Installment Loans Fiduciary System, Installment Loans Pawn System, Multipurpose Loan, have influence on Capital Lease Revenue at PT. Pegadaian ( Persero) Regional Office VI Manado have increase from year to year.

Study of Integrity Systems Engineering

Credibility and integrity has become social system project referring every aspect. Its construction can make hierarchical control and decomposition coordination. Its running mode is through government promotes and supervises, market manipulation, and social public to participation. It should start from goal task of subsystems, including building policy and statute system, services markets system, supervision and reward system, and credit culture system, and finally achieve the advance construction of fiduciary system engineering in the whole society.

Legal Refl ections on China’s Stock Market

The long-term sluggish stock market of China has got rooted in the current Chinese securities law and regulatory practice which fails to give an appropriate consideration to promoting efficiency, competition, and capital formation while focusing on maintaining the social and economic order and the public interest superficially and protecting investors nominally. Based on the provisions of the current Chinese securities law, the sluggish stock market mainly comes from the failure to integrate such three components of securities law as the public disclosure (especially IPO) system, the fiduciary system and the liability (especially civil liability) system, or rather it is mainly due to the unfair offering system, the inadequate civil liability system and the insufficient fiduciary system. Thus, correspondingly fundamental reforms are required in China. Key words : IPO system; Civil liability; Fiduciary system

Bridging the gap between natural and artificial photosynthesis

Considerable effort has been expended to develop artificial models that mimic various aspects of natural photosynthesis. The most direct and complete bridge between natural and artificial systems would be provided by the detailed structure of a functioning photosynthetic reaction center protein complex. When sufficient structural knowledge is available, a better understanding of the dynamics and functions occurring in the primary act of photosynthesis will be possible in a straightforward manner, particularly with the recent photosynthetic bacteria. Consequently, single crystals of protein reaction centers from photosynthetic bacteria currently serve as the best fiduciary system for the development of model systems that use light energy to produce charge separation. The central feature of natural photosynthesis is the utilization of several very rapid, and slightly exothermic, electron transfer reactions following the creation of an excited singlet state in the chlorophyll chromophores of a reaction center protein complex. With regard to this aspect of the natural process, the development of model systems based on photodriven multistep electron transfer reactions is progressing rapidly. In this paper we establish the following five major points. (1) We report a new Rhodopseudomonas sphaeroides R-26 reaction center single crystal. (2) We demonstrate that these crystals function in a manner similar to the intact organism. (3) We develop a probe of dynamics and structure based on the triplet state that works in single crystals, in liquid or solid solutions of reaction centers, i chromatophores or in intact organisms. (4) At the same time the triplet state provides an internal “goniometer” for establishing a structural baseline for spectroscopic studies relevant to X-ray studies. (5) Finally, we prove that it is possible to study these crystals over a large temperature range (5 – 300 K) without crystal damage or loss of internal order. This final point is particularly significant since a large temperature range for various experimental observations is required in order to determine such things as the activation energies of the various reaction steps involved in the dynamics. These temperature studies will be necessary to establish the validity of existing electron transfer theory in the understanding of natural and artificial photosynthesis.

A Modified Jamin Interferometer

A modified Jamin interferometer has been designed and fabricated to measure very small differences in nearly identical liquids. Instead of an extended source of light, a collimated beam of light is used and the end plates of the instrument are intentionally made wedge shaped. By allowing half of the light beam to pass above the liquids, it is possible to obtain a fiduciary system of fringes thereby obtaining the advantage of the Rayleigh refractometer. In other respects it has been found to be superior to a Rayleigh refractometer.

Laser beams as fiducial lines in bubble chambers

It is proposed to base the fiduciary system of large volume bubble chambers on laser beams originating from theodolite-fixed positions and thus traversing the liquid at well defined space coordinates. From a series of experiments some important conditions for this proposal have been established: Rayleigh-scattering on molecular concentration fluctuations in the chamber liquid is responsible for the visibility of laser beams which can be photographed under angles up to 90° within reasonable exposures. Small-angle random deflections of the laser beam were observed which are due to thermal turbulence in the chamber liquid and yield a rms net deflection angle of ± 0.075 mrad/m12. This error in angular position is about one order of magnitude smaller than that caused by multiple Coulomb scattering on the track of a 10 GeV particle.

A differential refractometer for use in light scattering studies on polymer solutions

AbstractThe RAYLEIGH interferometer has been modified by incerting an extra set of stationary inclined plates in the fiduciary system. With this modification the instrument can be used to measure larger refractive index differences. One application of the use of this type of instrument is in light scattering studies.

A modified Michelson refractometer

One of the beams in a Michelson interferometer is deviated through a right angle so that the two beams are parallel to one another. Fringes of the Fresnel type are employed, and a fiduciary system is used as the standard of reference. An accuracy in setting of better than 1/60th of a fringe is obtained by visual observation; this accuracy can be considerably improved if photo-electric detectors are used.

The Seven-Obol Drachma of Roman Egypt

Previous articleNext article No AccessThe Seven-Obol Drachma of Roman EgyptVerne B. SchumanVerne B. Schuman Search for more articles by this author PDFPDF PLUS Add to favoritesDownload CitationTrack CitationsPermissionsReprints Share onFacebookTwitterLinkedInRedditEmail SectionsMoreDetailsFiguresReferencesCited by Classical Philology Volume 47, Number 4Oct., 1952 Article DOIhttps://doi.org/10.1086/363539 Views: 2Total views on this site PDF download Crossref reports no articles citing this article.