Tinjauan yuridis terhadap eksekusi jaminan hak tanggungan berdasarkan undang-undang nomor 4 tahun 1996 tentang hak tanggungan (studi kasus putusan Mahkamah Agung nomor 2430/K/Pdt/2019)

Agmelia, Clariessa (2020) Tinjauan yuridis terhadap eksekusi jaminan hak tanggungan berdasarkan undang-undang nomor 4 tahun 1996 tentang hak tanggungan (studi kasus putusan Mahkamah Agung nomor 2430/K/Pdt/2019). Masters thesis, Universitas Pelita Harapan.

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Abstract

Penulisan Tugas Akhir ini membahas mengenai pelaksanaan eksekusi jaminan hak tanggungan tanpa putusan Pengadilan sebagai upaya terakhir yang dilakukan bank untuk penyelesaian kredit bermasalah yang terjadi akibat debitor wanprestasi atau gagal melunasi pinjaman kredit. Penulisan ini mengambil rumusan masalah mengenai pengaturan eksekusi jaminan hak tanggungan terhadap debitor wanpresasi dan Putusan Mahkamah Agung Nomor 2430/K/Pdt/2019.Metode penelitian yang digunakan dalam penulisan ini adalah yuridis normatif, yaitu metode pendekatan menggunakan kaidah-kaidah hukum dan mengutamakan penelitian kepustakaan serta penerapannya dalam praktik. Hasil penelitian ini menunjukkan bahwa, pengaturan mengenai eksekusi jaminan hak tanggungan apabila terjadi wanprestasi sebagaimana diatur dalam Pasal 6 Undang-Undang Nomor 4 Tahun 1996 tentang Hak Tanggungan yaitu pemegang hak tanggungan berhak menjual obyek hak tanggungan atas kekuasaan sendiri melalui pelelangan umum serta mengambil pelunasan dari hasil penjualan tersebut. Pada kenyataannya, eksekusi jaminan hak tanggungan tanpa putusan Pengadilan dalam pelaksanaannya tetap membutuhkan putusan Pengadilan, sehingga keberadaan aturan ini tidak bisa memberikan kepastian hukum bagi kreditor pemegang hak tanggungan. (/) The writing of this final assignment discusses the execution of the guarantee of the right of liability without the court's decision as a final attempt by the bank to resolve the problematic credit that occurred as a result of debtor tort or failed to settle the credit loan. This writing took a problem regarding the execution arrangements of the guarantee of the right to debtor’s fault and the ruling of the Supreme Court No. 2430/K/PDT/2019.The research method used in this writing is normative, a method of approach using legal conventions and prioritizing literature research and implementation in practice. The results of this research show that, the arrangement of the execution of the guarantee of the right of liability in the event of default as stipulated in article 6 of Law No. 4 of 1996 on the rights of liabilities, the rights holder shall be entitled to sell the object of liability for its own power through the public auction and to take the settlement from the proceeds. In fact, the execution of the guarantees of rights of liability without the court's decision in its execution still requires a court order, so that the existence of this rule cannot provide legal certainty to the creditor of the rights holders.

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