Articles

Legal Protections for Debtors of Banks Providing Mortgage in Facing Execution Parates

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Legal protection can be interpreted as protection by law or protection by using legal institutions and means. Legal protection is the protection of dignity and worth, as well as the recognition of human rights owned by legal subjects based on legal provisions from arbitrariness. This current study reveals preventive and repressive legal protections for debtors of banks providing mortgage in facing execution parates, according to the Indonesian law (UUHT). The result shows that the preventive legal protections include: Rescheduling, Reconditioning, Restructuring, Combination, Takeover of debtor assets, and Credit conversion. On the other hand, the repressive legal protections include: Execution through public auction, Execution through underhand sales, and Execution via PUPN/BUPLN.

The Effect of Retaliation, Legal Protection, and Financial Incentive on Whistle-Blowing Intention with Organizational Commitment as Moderating Variable

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The study aims to empirically examine the variables relationship and the effect of retaliation, legal protection, financial incentives, on whistle-blowing intention with organizational commitment as moderating variable. Questionnaires were distributed to collect data from the employees of banks classified in Book IV, namely PT Bank Rakyat Indonesia Tbk., PT Bank Mandiri Tbk., PT Bank Negara Indonesia Tbk., PT Bank Central Asia Tbk., PT Bank CIMB Niaga Tbk., and PT Bank Panin Tbk. They occupied various position levels and the number of respondents reached 190 persons. Subsequently. The questionnaires were then analyzed using SEM (Structural Equation Modeling) and processed using the software SmartPLS Version 3.2.9. Based on the analysis results, it shows that retaliation variable has a negative effect on whistle-blowing intention, while legal protection, financial incentives, and organizational commitment have a positive effect on whistle-blowing intention. Organizational commitment can have a positive effect on legal protection and financial incentives on whistle-blowing intentions, while organizational commitment is unable to show a negative effect on whistle-blowing intention.