Akibat hukum pengalihan objek jaminan hak tanggungan tanpa persetujuan bank berdasarkan oper kredit (studi putusan pengadilan negeri Surabaya nomor 1028/Pdt.G/2013/PN.SBY)

Pradana, William Hersan (2020) Akibat hukum pengalihan objek jaminan hak tanggungan tanpa persetujuan bank berdasarkan oper kredit (studi putusan pengadilan negeri Surabaya nomor 1028/Pdt.G/2013/PN.SBY). Masters thesis, Universitas Pelita Harapan.

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Abstract

Karena kebutuhan akan rumah adalah kebutuhan primer biasanya orang akan melakukan kredit pemilikan rumah untuk memiliki rumah tetapi hal ini terkadang tidak diimbangi dengan kemampuan financial yang memadai sehingga menjadi kredit macet dan untuk penyelesaian kredit macet tersebut langkah hukum yang diambil adalah dengan eksekusi hak tanggungan. Namun, dalam kehidupan masyarakat saat ini untuk menghindari eksekusi hak tanggungan tersebut debitur mengalihkan objek hak tanggungannya kepada pihak ketiga dengan cara oper kredit peristiwa pengalihan kredit ini identik dengan peristiwa pembaruan utang atau dikenal dengan sebutan Novasi dalam ketentuan Pasal 1413 KUH Perdata, fenomena yang terjadi di masyarakat biasanya melakukan pengalihan kredit hanya antara debitur dengan pihak ketiga tanpa melibatkan kreditur. Dalam kasus sengketa Yayuk Artha yang merasa dirugikan karena merasa telah membeli dan membayar angsuran fasilitas Kredit Kepemilikan Rumah (KPR) dari Pudji Astuti yang juga membeli secara oper kredit dibawah tangan dari Priyono Pitanto Toto Wibowo. Penelitian ini bertujuan untuk (i) Mengetahui bagaimana oper kredit objek hak tanggungan dari pemberi hak tanggungan kepada pihak lain tanpa persetujuan kreditor (bank) selaku penerima hak tanggungan di tinjau dari Undang-Undang nomor 4 tahun 1996 tentang hak tanggungan, (ii) Serta menggambarkan dan menjelaskan apa akibat hukum dari Putusan PN Surabaya Nomor 1028/Pdt.G/2013/PN.SBY terhadap objek hak tanggungan berdasarkan perjanjian pengalihan kredit yang dilakukan tanpa persetujuan dari pihak kreditor (bank). Penelitian ini menggunakan metode penelitian normatif dan empiris. Pendekatan yang digunakan dalam penelitian ini adalah pendekatan konseptual, pendekatan undang-undang dan pendekatan kasus. Sehingga hasil dari penelitian menyimpulkan bahwa: (i) ditinjau dari Undang-Undang nomor 4 tahun 1996 debitur melakukan perbuatan melawan hukum karena melanggar janjijanji sebagaimana diatur dalam Pasal 11 Ayat (2) huruf g Undang-Undang Hak Tanggungan.(ii) akibat hukum dari putusan PN Surabaya Nomor 1028/Pdt.G/2013/PN.SBY adalah pihak ketiga tidak berhak atas tanah dan bangunan yang menjadi objek hak tanggungan tersebut karena pihak ketiga tidak memiliki hubungan hukum terhadap kreditur (bank). / Because the need for a house is a primary need, usually people will carry out mortgages to own a house, but this matters is not followed by enough financial ability that makes a bad debt and to resolve this matter, a legal way that is taken is the execution of the mortgage right. However, in today's society, in order to avoid the execution of the mortgage, the debtor transfers the object of the mortgage to a third party by means of credit operations. This credit transfer event is identical to the debt renewal event or known as novasi in the provisions of Article 1413 of the Civil Code, a phenomenon that occurs in The public usually transfers credit only between debtors and third parties without involving creditors. In the case of the dispute, Yayuk Artha felt aggrieved because he felt he had bought and paid installments of the house credit loan from Pudji Astuti, who also bought credit operatives under the hands of Priyono Pitanto Toto Wibowo. This research is meant to (i) how is the law about passing the mortgage right credit from the giving the right party to other parties without the creditor's (bank) permission based on the 1945 law chapter 4 year 1996 about mortgage right, (ii) and describes and explains what is the law effect from the decision of the surabaya court number 1028/Pdt.G/2013/PN.SBY to the mortgage right object based on the agreement about passing the credit without bank's permission. This research uses normative and empirical research methods. The approach used in this research is a conceptual approach, a legal approach and a case approach. So that the results of the research conclude that: (i) in terms of Law number 4 of 1996 the debtor commits an act against the law for violating promises as stipulated in Article 11 Paragraph (2) letter g of the Mortgage Rights Law. (ii) the surabaya court's decision number 1028/Pdt.G/2013/PN.SBY is that the third party is not entitled to land and buildings that are the object of the security right because the third party does not have a legal relationship with the creditor (bank).

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Pradana, William HersanNIM01656180067william.pradana@ymail.com
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorPandamdari, EndangNIDN0313026002epandamdari@yahoo.com
Uncontrolled Keywords: mortgage right object transfer ; agreement ; credit transfer
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Depositing User: William H. Pradana
Date Deposited: 21 Aug 2020 02:51
Last Modified: 21 Aug 2020 02:51
URI: http://repository.uph.edu/id/eprint/10459

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