Developing Subsidized Mortgage Agreement Based on the Justice Values of Pancasila (Indonesian State Philosophy)
Abstract
The objectives of this research are to investigate the implementation of subsidized mortgage agreement and to develop subsidized mortgage agreement based on the justice values of Pancasila through the development of a model of subsidized mortgage agreement. The research used descriptive method with the interactional/micro approach with qualitative analysis. The sources of data were interview and forum group discussion. The data were collected through in-depth interview and observation. They were validated by means of the source and method triangulations. They were then analyzed by using the interactive model of analysis. The result of research shows that the subsidized mortgage agreement drawn up in a standardized format by banks makes the consumers of subsidized mortgage in a fragile position when dealing with banks which provide the services to fulfill their desire to have houses. The subsidized mortgage agreement currently has not been based on the basic values of Pancasila, and therefore a model of subsidized mortgage agreement as an elaboration of the values of Pancasila is required.
References
[2] Burnhm, Scott, J. 2003. Drafting and Analyzing Contracts: A Guide to the Practical Application of the Principles of Contract Law. LexisNexis; Third Edition edition (September 12, 2003) ISBN-10: 0820557889.
[3] Harahap, Yahya, M. 1992. Segi-Segi Hukum Perjanjian. Penerbit Alumni Bandung.
[4] Kaelan, M.S. 2002. Pendidikan Pancasila. Jogjakarta:Paradigma 2002 - 281 halaman, Universitas Michigan
ISBN 9798658000 and 9789798658006.
[5] Khairandy, Ridwan. 2010. Pangunaan Asas Itikad Baik dalam Penafsiran Kontrak. Artikel pada Jurnal Hukum Bisnis 2011. Landasan Filosofis kekuatan mengikatnya kontrak. Jurnal Hukum. Edisi Khusus. Vol 8 Oktober 2011.
[6] Kunio, Yosinnara. 1990. Kapitalisme Semu Asia Tenggara. Jakarta: LP3ES.
[7] Limbong, Bernard. 2012. Ekonomi Kerakyatan dan Nasionalisme Ekonomi. Jakarta: Ravi Maju Mandiri. ISBN 9786029786637.
[8] Miru, Ahmadi, S.H. 2011. Prinsip- Prinsip Perlindungan Hukum Bagi Konsumen di Indonesia. Jakarta: Raja Grafindo. hal 41 ISBN/ISSN 978-979-769-388-6.
[9] Pangabean, H.P. 2012. Praktik Standar Kontrak (Perjanjian baku dalam perjanjian kredit perbankan). Bandung: Alumni. ISBN 979-41-4130-5.
[10] Rawls, John. 2006. Teori Keadilan. Jogjakarta: Pustaka Pelajar 1972. A Theory of Justice. Cambridge: Harvard University Press. Available at: http://www.academia.edu/11417626/Teori_Keadilan_John_Rawls
[11] Satrio, J. 2001. Hukum Perikatan, Perikatan yang Lahir dari Perjanjian. Bandung: PT. Citra Aditya Bakti.
[12] Setyawan, Monique, Natalya. 2009. Implementasi Asas Keseimbangan Berkontrak dan Asas Keseimbangan Terhadap Perjanjian Penerbitan Kartu Kredit. Malang: Program Magister Kenotariatan UNIBRAW.
[13] Sulistyono, Adi. 2008. Negara Hukum: Kekuasaan, Konsep dan Paradigma Moral. Surakarta: UPT Penerbitan dan Percetakan UNS (UNS Press) id IOS1-INLIS000000000631875.
[14] Swasono, Sri – Edi. 2013. Nasionalisme Indonesia.Surakarta:Orasi Ilmiah di UNISRI.
[15] Syahdeni, Sutan, Remi. 2009. Kebebasan Berkontrak dan Perlindungan yang Seimbang bagi Para Pihak dalam Perjanjian Kredit Bank di Indonesia. Jakarta: Graviti. ISBN 9789794444542.
[16] Winarno. 2011. Implementasi Pancasila Melalui Pendidikan Kewarganegaraan Sebagai Upaya Mengembangkan Jatidiri Bangsa. S3 thesis, Sekolah Pasca Sarjan Universitas Pendidikan Indonesia.
[17] Zamroni, Salim. 2009. Ekonomi Liberal VS Ekonomi Kerakyatan, Dokumen Perjalan Menuju Indonesia, Ensiklopedi Tim Peneliti Habibie Center.
***http://yogahasbi.blogspot.com/2012/03/teori-keseimbangan-heider.html.
***http://id.wikipedia.org/wiki/Fungsionalisme_struktural.
***The 1945 Constitution of the Republic of Indonesia Available at: http://www.ilo.org/wcmsp5/groups/public/---ed_protect/---protrav/---ilo_aids/documents/legaldocument/wcms_174556.pdf
***Indonesian Civil Code. Available at: https://www.tribunais.tl/files/Codigo_Civil_Indonesio_(Ingles).pdf
***Regulation the Ministry of Public Housing the Republic of Indonesia Number: 3 of 2014 regarding Housing Finance Liquidity Facility through Prosperous Mortgage.
***H.A.T. Soegito. 2002. Pendidikan Pancasila. Semarang: UNES.
***Mubyarto Institute.1987. Ekonomi pancasila, Gagasan, dan Kemungkinan. Jakarta: LP3ES.
***Mubyarto Institute. 1991. Deregulasi Ekonomi dan Strategi Pengembangan Perekonomian Rakyat. Jogjakarta: P3PK UGM.
***Mubyarto Institute. 1999. Membangun Sistem Ekonomi. Jogjakarta. BPFE.
***Sentosa Sembiring. 2012. Hukum Perbankan. Bandung: Mandar Maju.
***Setiono. 2005. Pemahaman Terhadap Metodologi Penelitian Hukum. Surakarta: Fakultas Hukum Program Pasca Sarjana UNS.
***Subekti. 2002. Hukum Perjanjian. Jakarta: Intermasa.
***Utrech. 1962. Pengantar Hukum Administrasi Negara.Jakarta: Ihtiar. hal: 7-8.
The Copyright Transfer Form to ASERS Publishing (The Publisher)
This form refers to the manuscript, which an author(s) was accepted for publication and was signed by all the authors.
The undersigned Author(s) of the above-mentioned Paper here transfer any and all copyright-rights in and to The Paper to The Publisher. The Author(s) warrants that The Paper is based on their original work and that the undersigned has the power and authority to make and execute this assignment. It is the author's responsibility to obtain written permission to quote material that has been previously published in any form. The Publisher recognizes the retained rights noted below and grants to the above authors and employers for whom the work performed royalty-free permission to reuse their materials below. Authors may reuse all or portions of the above Paper in other works, excepting the publication of the paper in the same form. Authors may reproduce or authorize others to reproduce the above Paper for the Author's personal use or for internal company use, provided that the source and The Publisher copyright notice are mentioned, that the copies are not used in any way that implies The Publisher endorsement of a product or service of an employer, and that the copies are not offered for sale as such. Authors are permitted to grant third party requests for reprinting, republishing or other types of reuse. The Authors may make limited distribution of all or portions of the above Paper prior to publication if they inform The Publisher of the nature and extent of such limited distribution prior there to. Authors retain all proprietary rights in any process, procedure, or article of manufacture described in The Paper. This agreement becomes null and void if and only if the above paper is not accepted and published by The Publisher, or is with drawn by the author(s) before acceptance by the Publisher.