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Abstrak :
ABSTRAK
The Islamic principle of treating the wife does not encourage violence or transgression in disciplining her. Rather, it exhotrs amity, love and reasonable treatment as evidenced by different provisions in the Holy Qur'an and the Prophet's Sunnah

Abstrak :
Tesis ini membahas tentang Asuransi Sosial dalam Sistem Jaminan Sosial Nasional, objek penelitiannya (1) Peraturan perundangan yang mengatur sistem asuransi sosial sebelum diundangkannya Undang-undang Nomor 40 Tahun 2004 Tentang Sistem Jaminan Sosial Nasional (2) Asuransi sosial dalam Sistem Jaminan Sosial Nasional yang diatur dalam Undang-undang Nomor 40 Tahun 2004 Tentang Sistem Jaminan Sosial Nasional dan (3) Permasalahan hukum yang timbul pada asuransi sosial sebelum diberlakukannya Undang-undang Nomor 40 Tahun 2004 Tentang Sistem Jaminan Sosial Nasional. Penelitian ini mengunakan metode penelitian yuridis normatif, kemudian menganalisa permasalahan yang timbul sebelum berlakunya sistem jaminan sosial nasional yang akan menjadi tantangan pada pelaksanaan asuransi sosial pada sistem jaminan sosial nasional. Berdasarkan hasil penelitian diperoleh hasil secara normatif Sistem Jaminan Sosial Nasional akan lebih memberikan kepastian hukum, jaminan kepesertaan dan manfaat bagi peserta jaminan sosial, namun demikian tidak adanya lembaga pengawas dan kewenangan pemberi sanksi yang secara tegas di amanatkan oleh Undang - Undang Sistem Jaminan Sosial Nasional akan sangat potensial mengulang kegagalan yang sama.

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This thesis discusses Social Insurance in the National Social Security System, the object of research (1) legislation governing social insurance system prior to the enactment of Law No. 40 Year 2004 on National Social Security System (2) Social Insurance in the National Social Security System is set the Law No. 40 Year 2004 on National Social Security System, and (3) the legal issues that arise in the social insurance before the enactment of Act No. 40 of 2004 on National Social Security System. This study uses normative research methods, and then analyze the problems that arise before the entry into force of the national social security system that will be a challenge in the implementation of social insurance on the national social security system. Based on the research results normative National Social Security System will provide more legal certainty, a guarantee of participation and social security benefits for the participants, however, the absence of the regulatory agencies and authorities giver expressly sanctions mandated by the Constitution - Constitution of National Social Security System will potential repeat the same failure.

Abstrak :
Surat Pemberitahuan Persetujuan Kredit (SPPK) adalah fondasi dibentuknya Perjanjian Kredit, yang diterbitkan dan ditandatangani oleh pejabat bank karena adanya permohonan kredit dari nasabah debitur. Sebelum bank sebagai pihak kreditur menerbitkan SPPK, tentu harus melalui beberapa tahap di antaranya analisis kelayakan kredit, keputusan kredit oleh Komite Kredit, hingga permintaan persetujuan SPPK kepada calon debitur. Namun pada prakteknya, terhadap pelaksanaan tahap-tahap tersebut tidak sepenuhnya diterapkan prinsip kehati-hatian sehingga menimbulkan kredit bermasalah serta permasalahan hukum di kemudian hari. Dalam penulisan skripsi ini dibahas mengenai penerapan prinsip kehati-hatian dalam penerbitan SPPK, dimana penelitian ini menggunakan bentuk penelitian yuridis normatif yang menghasilkan tipologi penelitian deskriptif. Penelitian ini dilakukan dengan tujuan untuk mengetahui lebih lanjut perihal peranan Prinsip Kehati-Hatian dalam penerbitan Surat Pemberitahuan Persetujuan Kredit dalam rangka mencegah kredit bermasalah serta untuk menganalisis permasalahan hukum bagi bank dalam penerbitan Surat Pemberitahuan Persetujuan Kredit yang tidak memenuhi Prinsip Kehati-Hatian pada PT. Bank X, Tbk. Hasil dari penelitian ini menemukan bahwa tidak diterapkannya prinsip kehati-hatian seperti Prinsip 5C, Good Corporate Governance, Four Eyes Principle, dan Manajemen Risiko dalam penerbitan SPPK merupakan faktor utama timbulnya kredit bermasalah. Selain itu diketahui bahwa bank, dalam hal ini PT. Bank X, Tbk., telah berusaha menerapkan prinsip kehati-hatian dalam penerbitan SPPK namun masih ditemukan perlakuan yang tidak setara terhadap jenis atau plafond kredit yang berbeda dalam penerapan tersebut. Oleh karenanya, timbul berbagai permasalahan hukum bagi bank seperti jaminan kredit tidak dapat dieksekusi, gugatan perdata terhadap bank, perjanjian batal demi hukum, dan kerugian materiil. Dengan demikian, penulis menyarankan agar bank harus menerapkan prinsip kehati-hatian secara setara terhadap seluruh jenis pemberian kredit sesuai yang diamanatkan Undang-Undang Perbankan maupun ketentuan yang dikeluarkan Otoritas Jasa Keuangan dan Bank Indonesia. ...... The Offering Letter is foundation of the establishment of Credit Agreement, issued and signed by bank officials due to credit application from the debtor. Before issuing the Offering Letter, the bank as a creditor must go through several stages including the anaylisis of creditworthiness, credit decisions by Credit Committee, to requesting approval of Offering Letter to prospective debtors. However, in practice, the implementation of these stages is not fully applied in the prudential principles, thus causing non performing loans in the future. In the writing of this thesis discusses about the implementation of prudential banking principle in the issuance of the Offering Letter, where this research uses a form of normative juridicial research that results a descriptive research typology. This research was conducted with the aim to learn more about the role of the Prudential Principle in the issuance of Letter of Approval of Credit in order to prevent loan problems and to analyze legal issues for banks in the issuance of Letter of Approval of Credit that does not meet the Prudential Principle at PT. Bank X, Tbk. The result of this research has found that the non implementation of prudential principles such as the 5 C rsquo s of Credit, Good Corporate Governance, Four Eyes Principle and Risk Management in the Issuance of the Offering Letter were the main factors of non performing loans. Also note that the bank, in this case PT. Bank X, Tbk., has tried to apply prudential principles in the issuance of the Offering Letter but still found unequal treatment of different types or credit plafonds in the application. Therefore, there are various legal problems for the bank such as credit collateral cannot be executed, civil lawsuit against the bank, agreement null and law, and material loss. Thus, the researcher suggests that banks should apply prudential principles equally to all types of crediting as mandated by the Banking Act and the provisions issued by the Financial Services Authority and Bank Indonesia.