Eksekusi jaminan fidusia pasca putusan Mahkamah Konstitusi nomor 18/PUU-XVII/2019

Pramadianti, Utami (2020) Eksekusi jaminan fidusia pasca putusan Mahkamah Konstitusi nomor 18/PUU-XVII/2019. Masters thesis, Universitas Pelita Harapan.

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Abstract

Saat ini Indonesia melaksanakan pembangunan nasional hampir menyeluruh dalam semua sektor tidak terkecuali sektor ekonomi yang menjadi “salah satu bagian dari pembangunan nasional”guna mewujudkan masyarakat “adil dan makmur” sesuai Pancasila dan Undang-Undang Dasar. Masyarakat membutuhkan dana untuk pembelian aset yang tidak sedikit misalnya untuk pembelian rumah atau kendaraan bermotor maupun untuk memenuhi kebutuhan sehari-hari melalui pinjaman modal dalam bentuk kredit. Setiap pemberian fasilitas kredit yang dilakukan oleh Bank atau Lembaga Keuangan non bank diikuti oleh adanya jaminan untuk menjamin adanya kepastian hak bagi kreditur dalam pelunasan atas kredit bila debitur cidera janji. Salah satu satu bentuk jaminan adalah jaminan fidusia. Fidusia timbul karena atas dasar kebutuhan masyarakat akan kredit dengan jaminan benda-benda bergerak tetapi masih memerlukan benda-benda tersebut untuk dapat dipakai sendiri. Perjanjian Jaminan fidusia dan didaftarkan di Kantor Pendaftaran Fidusia untuk memberikan jaminan kepastian hukum baik terhadap kreditur, debitur maupun tehadap pihak ketiga yang berkepentingan. Perjanjian jaminan adalah perjanjian accesoir terhadap perjanjian pokoknya yang berupa perjanjian kredit atau perjanjian utang piutang. Sifat dari perjanjian accesoir adalah memiliki sifat bergantung pada perjanjian pokoknya. Bilamana seorang debitur telah melakukan wanprestasi dalam perjanjian pokok dengan segala akibat hukumnya maka proses penyelesaian utang piutang dilakukaan penyitaan dan untuk selanjutnya dilanjutkan dengan eksekusi atas objek jaminan fidusia untuk pelunasan piutang kreditur atau penerima fidusia. / At present Indonesia carries out national development almost comprehensively in all sectors including the economic sector which is "one part of national development" in order to realize a "just and prosperous" society in accordance with Pancasila and National Constitution. Communities need funds to purchase assets that are not small amount of money for example to purchase a house or motor vehicle or to meet their daily needs through capital loans in the form of credit. Every credit facility provided by a Bank or non-bank Financial Institution must be accompanied by a guarantee to guarantee the certainty of the rights of creditors in the repayment of credit if the debtor fails to promise. One form of guarantee is a fiduciary guarantee. Fiduciary exists because of the basic community's need for loans with collateral for movable objects but they still need these objects to be used by themselves. Fiduciary Guarantee Agreement and registered at the Fiduciary Registration Office to provide legal certainty guarantees to creditors, debtors and third parties concerned. A guarantee agreement is an accesoir agreement on the principal agreement in the form of a credit agreement or a debt agreement. The nature of the accesoir agreement is that it is dependent on the main agreement. If a debtor has defaulted in the principal agreement with all the legal consequences, the process of settlement of the debts is carried out in confiscation and subsequently followed by execution of the fiduciary collateral object for the settlement of the creditors' or fiduciary receivables.

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