Peran Proses Risk Assessment Transaksi Tahap Pra-PPJB dalam Bisnis Properti dengan Skema PPJB Lunas dan Kuasa Jual pada Manajemen Risiko Funder (Studi Kasus Mr. X Sebagai Funder)

Dewangi, Permas (2026) Peran Proses Risk Assessment Transaksi Tahap Pra-PPJB dalam Bisnis Properti dengan Skema PPJB Lunas dan Kuasa Jual pada Manajemen Risiko Funder (Studi Kasus Mr. X Sebagai Funder). Tugas Akhir (S1) - thesis, Universitas Bakrie.

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Abstract

ABSTRACT The practice of individual property funding has developed as an alternative form of non-bank financing for asset owners who require short-term funding but are unable to access formal financial institutions. The commonly used scheme involves a fully-paid Sale and Purchase Binding Agreement (Perjanjian Pengikatan Jual Beli/PPJB) combined with a Power of Attorney to Sell. Although legally structured as a sale and purchase transaction, in practice it is often understood as asset-based financing with a buy-back mechanism. This scheme entails various risks, particularly legal risks that may arise from unclear asset legality, weaknesses in supporting documentation, and differences in perception between the funder and the asset owner regarding the substance of the transaction. This study aims to analyze the role of the pre-PPJB risk assessment process in supporting risk management practices within individual property funding activities. The research employs a qualitative approach using a single-case study design focusing on Mr. X as an individual property funder. Data were collected through in-depth interviews with five key informants: the individual funder, property mediator, notary, lawyer, and asset owner. Data collection was conducted in January 2026 in Jakarta Selatan, Bintaro, and Depok. Thematic coding was applied in data analysis, referring to the risk management stages in ISO 31000:2018, namely risk identification, risk analysis, and risk evaluation. Data validity was ensured through triangulation across informants and reinforcement from relevant academic literature. The findings indicate that although the funder does not implement a formally documented risk management system, the pre-PPJB risk assessment process is conducted systematically prior to contract signing. Risk evaluation is carried out qualitatively by considering likelihood and impact (Likelihood × Impact), resulting in prioritized risks that form the basis of funding decisions. Legal risk—particularly concerning asset legality and potential civil litigation due to failed buy-back arrangements—has the most significant impact compared to other risks. The pre-PPJB stage functions as an early preventive mechanism to minimize potential disputes and financial losses before the parties become legally bound. The study highlights the importance of establishing a more structured risk assessment mechanism in individual property funding practices. The research is limited by its single-case study design and focus on the pre-PPJB stage, and therefore its findings are contextual and not intended for broad generalization. The study offers practical insights for property funders in strengthening pre-PPJB risk assessment and contributes academically to the development of risk management studies in non-bank property-based financing. Keywords: risk assessment, property funder, pre-PPJB, risk management, non-bank financing

Item Type:	Thesis (Tugas Akhir (S1) - )
Uncontrolled Keywords:	risk assessment, property funder, pre-PPJB, risk management, non-bank financing
Subjects:	Business > Entrepreneur Management > Business Plan > Business > Entrepreneur Thesis > Thesis (S1)
Divisions:	> Program Studi Manajemen
Depositing User:	Permas Dewangi
Date Deposited:	02 Mar 2026 01:37
Last Modified:	02 Mar 2026 01:37
URI:	https://repository.bakrie.ac.id/id/eprint/13246

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