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"Americans are losing their homes in record numbers, and the housing crisis seems unlikely to subside any time soon. Many people faced with foreclosure feel helpless and resigned to giving up their homes without even trying to save them. With the right advice, however, homeowners can take control of the situation, avoid foreclosure proceedings, and even protect their credit. Timely and indispensible, this guide will help anyone survive the housing crisis and preserve their most important investment."

"Penelitian ini menganalisis peran seksi penagihan dalam meningkatkan penerimaan pajak KPP Pratama Jakarta Tambora melalui tindakan penagihan pajak aktif berupa penyitaan harta kekayaan yang didahului dengan pemblokiran serta penyanderaan (gijzeling) wajib pajak. Tujuan penelitian ini untuk dapat mengetahui permasalahan yang dihadapi jurusita pajak dalam pelaksanaan penyitaan harta kekayaan dan pelaksanaan penyanderaan wajib pajak serta upaya yang telah dilakukan dalam mengatasi permasalahan tersebut. Penelitian ini merupakan studi kasus dengan metode penelitian kualitatif berupa studi dokumen, wawancara, dan observasi lapangan. Hasil penelitian menunjukkan bahwa terdapat kendala internal maupun eksternal serta diperlukan perbaikan secara sistem dan peraturan sehingga dapat meningkatkan kepatuhan serta efek jera kepada wajib pajak.

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The research analyzes the role of collection division in raising tax revenues at STO Jakarta Tambora through active tax collection action in the form of confiscation of property that preceded the blocking and hostage (gijzeling) taxpayer. The research objective is to identify the problems faced by tax bailiff in the implementation of confiscation and execution of hostages the taxpayer as well as efforts have been made in addressing the issue. The research is a case study with qualitative research methods such as the study of documents, interviews, and field observations. The results show that there are internal and external constraints as well as the necessary improvements and regulatory systems so as to improve compliance and the deterrent effect to taxpayers."

"The complete guide to investing in foreclosures offers practical, proactive strategies for buying and selling foreclosed properties at a huge profit -- without taking undue risks that can quickly turn a promising real estate portfolio into a mess. The book shows readers how to find properties in all stages of foreclosure -- often before they become public knowledge -- and how to focus on real value, not just price. Investors will learn how to take advantage of little-known alternatives not thoroughly covered by most competitive books, including HUD, VA, SBA and IRS properties, Fannie Mae and Freddie Mac foreclosures, pre- and post-foreclosure opportunities, and much, much more. The Complete Guide to Investing in Foreclosures doesn't just offer the best strategies for individual foreclosures, it also presents a workable plan for developing a full-fledged investment program -- all in the reader's spare time. Packed with value assessment tools, lead generation strategies, step-by-step processes, and the all-important 7 Caveats of Investing in Foreclosures, this is a must-have resource for first-time and veteran real estate investors alike."

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Agunan yang diambil alih (AYDA) merupakan salah satu upaya yang dilakukan Bank untuk menyelesaikan kredit bermasalah yang bertujuan menurunkan rasio non performing loan (NPL) dan menjaga kualitas kredit Debitur. Dalam ketentuannya terdapat 3 (tiga) mekanisme yang dapat dilakukan Bank dalam melaksanakan AYDA yaitu melalui lelang, penyerahan sukarela oleh pemilik agunan, atau surat kuasa menjual diluar lelang. Agunan yang di AYDA dalam pembahasan ini berupa objek Hak Tanggungan yang mana dalam proses pelaksanaanya Debitur ternyata mengalami Pailit. Permasalahan yang akan dibahas adalah implikasi hukum kepailitan tersebut terhadap Bank yang telah melaksanakan AYDA namun dalam prosesnya Debitur ternyata dinyatakan Pailit. Tesis ini bertujuan untuk meneliti kepastian hukum yang ditimbulkan pada saat Bank melaksanakan AYDA melalui mekanisme tertentu yang dipilih oleh Bank sehubungan dengan harta boedel pailit dan aset yang telah dilakukan pengambilalihan. Metode penelitian yang digunakan adalah penelitian hukum normatif dengan pendekatan undang-undang dengan studi kepustakaan mengacu pada data sekunder seperti peraturan perundang-undangan, dokumen-dokumen resmi, literature dan buku-buku yang relevan. Adapun hasil penelitian ini terhadap ketiga mekanisme AYDA tersebut ternyata memiliki implikasi hukum yang berbeda ketika Debitur dinyatakan Pailit, yaitu terhadap proses pengambilalihan melalui PPJB dan/atau Surat Kuasa menjual di Luar Lelang ternyata aset yang di AYDA melalui cara tersebut tetap dimasukkan ke dalam harta Pailit. Bank yang telah melakukan AYDA sesuai ketentuan yang berlaku membutuhkan kepastian hukum bahwa hak-haknya dilindungi dalam pelaksanaan AYDA tersebut.

 

 

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Foreclosed collateral (AYDA) is one of the efforts undertaken by the Bank to settle problem loans with a non-performing loan ratio (NPL) and guarantee the quality of Debtor loans.  In order, there are three mechanism that Bank can use in AYDA through auction, voluntary surrender by the collateral owner, or selling authority letter through the auction.  The collateral in AYDA in this discussion is the object of the Mortgage which in the process of implementation The issue to be discussed is the implication of bankruptcy law against the Bank that has implemented AYDA but in the process.  The debtor is declared bankrupt.  This thesis discusses the legal protection that arises when the Bank implements AYDA through certain regulations chosen by the Bank related to bankrupt bank assets and assets that have been carried out must be transferred.  The research method used is normative legal research using laws with a literature study on secondary data such as legislation, official documents, literature, and relevant books.  The following are the results of research conducted on this AYDA that claims to have different implications from the compilation of Debtors declared Bankrupt, namely to the transition process through PPJB and/or Power of attorney selling outside the Auction, looking for assets in AYDA through this method available to each  - with the bankrupt property.  Banks that have conducted AYDA in accordance with the provisions that require legal certainty about their rights approved in the implementation of AYDA.

 

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"ABSTRAKPenelitian ini dilakukan untuk membahas perlakuan PPN atas Agunan Yang Diambil Alih (AYDA) dan Implikasi terhadap Kegiatan Usaha Bank. Mengacu pada perspektif teoritis dan paradigma penelitian yang digunakan, maka sifat penelitian ini adalah penelitian deskriptif. Analisis penelitian dengan menggunakan analisis kualitatif.Hasil analisis menemukan bahwa perlakuan pengenaan Pajak Pertambahan Nilai (PPN) terhadap AYDA didasarkan atas karakter PPN dikenakan atas keadaan objek pajaknya dan tidak terikat oleh legalitas formalnya saja (yuridis) dalam pendefinisian kegiatan usaha bank serta prinsip pajak lebih memperhatikan substansinya. Pengenaan PPN atas AYDA dianggap menggangu aktivitas kegiatan usaha (ekonomi) bank karena menimbulkan ketidak pastian (uncertainty) bahkan prinsip ease of administration secara keseluruhan. Pengenaan PPN atas AYDA tidak mempunyai landasan hukum yang tepat dalam Undang-undang PPN sehingga berpotensi menimbulkan dispute dalam pelaksanaannya.

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ABSTRACTThis study was conducted to discuss the treatment of VAT on foreclosed properties (repossessed assets) and Implications for Bank Operations. Referring to the theoretical perspectives and research paradigms used, the nature of this research is descriptive research. Analysis of research using qualitative analysis.The analysis finds that the treatment imposition of Value Added Tax (VAT) on repossessed assets are based on the character of VAT levied on the tax and the state of the object is not bound by formal legality only (legally) in the definition of banking activities as well as more attention to the substance of the tax principles. VAT on repossessed assets are considered to interfere with the activity of business (economic) because the bank raises uncertainty (uncertainty) and even the principle of ease of administration as a whole. VAT on AYDA not have proper legal basis in the VAT Act that could potentially lead to dispute in the implementation."

"Ayda merupakan salah satu alat dalam penyelesaian kredit macet yang dapat digunakan oleh Bank. Namun dalam aturan pelaksanaannya terdapat peraturan perundang-undangan yang saling bertentangan antara satu peraturan dengan peraturan lainnya sehingga mengakibatkan penerapan hukum bagi Bank apabila memilih cara tersebut. Dalam undang-undang perbankan Bank hanya bertindak sebagai pembeli sementara sehingga Bank dilarang memiliki Ayda dan secepat-cepatnya harus dijual kembali dalam jangka waktu satu tahun agar hasil penjualan Ayda dapat segera dimanfaatkan oleh Bank , namun Ayda dalam peraturan lelang dan peraturan pendaftaran tanah menetapkan Bank sebagai pembeli tetap Ayda yang memiliki konsekuensi yang ditetapkannya Bank sebagai pemilik Ayda apabila dalam jangka waktu satu tidak dapat menunjuk pihak lain sebagai pembeli Ayda. Ketidakpastian hukum melewati pengaturan pelaksanaa n Ayda setelah jangka waktu satu tahun tersebut berdampak kepada yang diwajibkannya Bank melakukan pembentukan penyisihan penilaian kualitas aset dari nilai Ayda sebagai aset non produktif dan juga berdampak pada besarnya biaya dan pajak yang harus ditanggung oleh Bank

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Ayda merupakan salah satu instrumen dalam penyelesaian kredit macet yang dapat digunakan oleh Bank. Namun dalam peraturan pelaksanaannya terdapat peraturan perundang-undangan yang saling bertentangan antara satu peraturan dengan peraturan lainnya sehingga menimbulkan ketidakpastian hukum bagi Bank dalam memilih cara tersebut. Dalam hukum perbankan Bank hanya bertindak sebagai pembeli sementara sehingga Bank dilarang memiliki Ayda dan harus segera dijual kembali dalam waktu satu tahun agar hasil penjualan Ayda dapat segera dimanfaatkan oleh Bank, namun Ayda dalam peraturan lelang dan peraturan pendaftaran tanah menetapkan Bank sebagai pembeli tetap Ayda yang konsekuensinya ditetapkan oleh Bank sebagai pemilik Ayda jika dalam jangka waktu tertentu tidak dapat menunjuk pihak lain sebagai pembeli Ayda."

"From the celebrated poet, speaker, and educator Najwa Zebian comes a powerful approach to healing focused on building a home within yourself. In her debut book in the self-development space, poet Najwa Zebian shares her revolutionary concept of home to guide readers to embrace their vulnerability, discover their self-worth, and build their own strong foundations from the ground up. In Welcome Home, Najwa shares her own personal story for the first time, powerfully weaving memoir, poetry, and deeply resonant teachings, from leaving war-torn Lebanon for Canada at sixteen, to coming of age as a young Muslim woman in Canada, to sexual harassment that left her alienated from her community, to building a new identity for herself as she learned to speak her truth"

"A "New York Times", "Wall Street Journal", and "USA Today" bestseller! Millions of employees parked in cubicles dream about starting their own businesses. And in today's economy, countless unemployed professionals are becoming entrepreneurs out of necessity. They may have good skills and ideas, but do they really understand what it takes to build a profitable venture? As owner and co-founder of the award-winning It'sYourBiz.com (formerly SBTV.com, or Small Business Television), Susan Solovic has years of experience in the small business trenches. In "It's Your Biz" she shows prospective entrepreneurs how to sidestep the pitfalls that doom more than half of all new businesses while dramatically improving their odds of success. The book strips away the usual dreamy calls to "pursue your passion," supplying the kind of candid, real-world advice readers truly need, such as how to: gauge whether you have the qualities required to succeed; prepare for drastic culture shock; build a business plan that works; focus on providing market solutions; choose partners, advisers, and employees wisely; promote your business on a shoestring budget; protect your company and yourself; and, make the most of bootstrap financing. From planning and funding to promotion and pricing, "It's Your Biz" is packed with the practical, honest, expert guidance that budding entrepreneurs need before they set out on their own."