Analysis of the Application of the Principle of Freedom of Contract in Home Ownership Credit Agreements in Karanganyar
DOI:
https://doi.org/10.51601/ijersc.v4i5.697Abstract
Home Ownership Credit is an agreement that arises between the bank as the creditor and the customer as the debtor.The creditor provides services in the form of financing for the purchase of a house with the debtor paying in installments according to the chosen tenor. Interest in Home Ownership Credit is very high in the people of Karanganyar Regency, Central Java. The offer of a Home Ownership program that can be paid for by credit is the main reason Home Ownership Credit has such high interest in Karanganyar Regency. Apart from that, government support with several subsidies for Home Ownership Credit is also the reason. Home Ownership Credit will result in a credit agreement between the creditor, namely the bank, and the customer or debtor. Credit agreements are made to ensure legal certainty between the creditor and debtor. The credit agreement made by the bank is in the form of a standard agreement which then needs to be presented to the customer for approval. Clauses made unilaterally by banks result in unequal authority between banks and customers. The economic advantages possessed by banks mean that customers who need financing programs from banks must agree to the standard agreement. The standard agreement in the agreement for granting Home Ownership Credit is the result of the Principle of Freedom of Contract which is intended to ensure that agreements can be balanced. However, in reality, this implementation results in the dominance of one party, namely banking, which has economic advantages. The need factor is the main reason that causes customers to inevitably agree to the standard agreement even though the agreement in it is not balanced.
Downloads
References
Amalia. A. Q. I. (2018). “Akibat Hukum Pembatalan Perjanjian Dalam Putusan Nomor 1572 K/PDT/2015
Berdasarkan Pasal 1320 dan 1338 KUH PERDATA.” Jurnal Hukum Bisnis Bonum Commune. Vol. 1 No.1.
Gumanti. R. (2002). “Syarat Sahnya perjanjian (Ditijau dari KUHPerdata).” Jurnal Pelangi Ilmu.Vol.5, No. 1.
Lubis, H., & Pratama, K., Safrida, S. (2022). HR related antecedes to sustainability reporting in Indonesian
public listed firm: The mediating role of employee committeemen. Cuadernos de Economía, 45(128), 87-97.
Handriani. A. (2019). “Perlindungan Hukum bagi Debitur dalam Perjanjian Kredit ditinjau dari Undang-undan
Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen.” Journal Of Law 10, No. 2.
Harianto. D. (2016). “Asas Kebebasan Berkontrak: Problematika Penerapannya Dalam Kontrak Baku Antara
Konsumen dengan Pelaku Usaha.” Jurnal Hukum Samudra Keadilan. Vol. 2.
Mabsuti dan Nurtresna. R. (2022). “Perlindungan Hukum Terhadap Konsumen Pinjaman Online Dalam Sistem
Hukum Indonesia.” Bureaucracy Journal : Indonesia Journal Of Law and Social-Political Governance’ 2, 1.
Siregar, Z., Tarigan, N. M. R., & Sahnan, M. (2022). Strengthening Human Resources Through Introduction and
Stunting Prevention. East Asian Journal of Multidisciplinary Research, 1(7), 1221-1228.
Purbacaraka. P dan A. Ridwan Halim. (1982). “Hak Milik, Keadilan dan Kemakmuran Suatu Tinjauan Falsafah
Hukum.” Jakarta: Ghalia Indonesia.
Putri. B. D, (2019). “Perlindungan Hukum Terhadap Debitur (Nasabah) Dalam Perjanjian Kredit Tanpa
Agunan Ditinjau Dari Undang-undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen.” Jurnal
Hukum Ekonomi Syariah 3. 2.
Sarkum, S., Syamsuri, A. R., & Supriadi, S. (2020). The role of multi-actor engagement. Journal of Open
Innovation: Technology, Market, and Complexity, 6(4), 176.
R. Setiawan. (1987). “Pokok-pokok Hukum Perikatan.” Bandung: Bina Cipta.
Rahardjo. S. (2000). “Peranan dan Kedudukan Asas-asas Hukum Dalam Kerangka Hukum Nasional dalam
Seminar dan Lokakarya Ketentuan Umum Peraturan Perundang-undang.” Jakarta.
Supriadi, ., Dalimunthe, R. F., Lumbanraja, P., & Tarmizi, H. B. (2021). The Antecedent Of Educational Staff
Contextual Performance In Medan City Private Universities. Archives of Business Research, 9(2), 316–338.
https://doi.org/10.14738/abr.92.9817
Sinaga. A. N. (2018). “Peranan Asas-asas Hukum Perjanjian Dalam Mewujudkan Tujuan Perjanjian.” Jurnal
Bina Mulia Hukum. Vol.7 No.2.
Soekanto. (2014). “Pengantar Penelitian Hukum.” Jakarta: Universitas Indonesia.
Rahayu, S., & Riana, Z. (2020). Determinants of Fraud Pentagon Theory Perspective and Its Effects on
Fraudulent Financial Statement in Mining Companies Which Is Listed In Indonesia Stock Exchange. Budapest
International Research and Critics Institute-Journal (BIRCI-Journal), 3(3), 1995-2010.
Soerjono. (2007). “Sosiologi: Sebuah pengantar.” Jakarta: PT. Raja Grafindo Persada.
(2010). “Sosiologi suatu pengantar.” Jakarta: Rajawali Press.
International Journal of Educational Research & Social Sciences ISSN: 2774-5406
Sugiyono. (2013). “Metodelogi Penelitian Kuantitatif, Kualitatif dan r&d.” Bandung: Alfabeta.
Suhardi. G. (2003). “Usaha Perbankan Dalam Perspektif Hukum.” Yogyakarta: Kanisius.
Yusrita, Y., Fahmi, N. A., Yudha, T. K., & Nasution, I. (2020). Capabilities, Commitments and Effect on the
Competitiveness of Small and Medium Enterprises (SME) in Medan. Budapest International Research and
Critics Institute-Journal (BIRCI-Journal), 3(3), 2442-2450.
Tobing. D. R. (2014). “Hukum Perjanjian Kredit Konsep Perjanjian Kredit Sindikasi yang Berasaskan
Demokrasi Ekonomi.” Yogyakarta: Laksbang Grafika.
Triasih. D. Muryati. D. T. Nuswanto. H. A. (2021). “Legal Protection for Consumers In Online Loan
Agreements.” Seminar Nasional Pendidikan Tinggi Hukum: Berintegritas dan Berbasis Teknologi 7, 2.
Wastu. G. G. B. I. (2017). “Kekuatan Hukum Perjanjian Kredit di Bawah Tangan Pada Bank Perkreditan
Rakyat.” Jurnal Ilmiah Prodi Magister Kenotariatan. Vol. 1.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2023 International Journal of Educational Research and Social Sciences (IJERSC)
This work is licensed under a Creative Commons Attribution 4.0 International License.
