Aspek keadilan dalam pelaksanaan eksekusi jaminan hak tanggungan berdasarkan pasal 6 undang-undang Republik Indonesia nomor 4 tahun 1996 tentang hak tanggungan atas tanah beserta benda-benda yang berkaitan dengan tanah

Sidabutar, Jumadin (2020) Aspek keadilan dalam pelaksanaan eksekusi jaminan hak tanggungan berdasarkan pasal 6 undang-undang Republik Indonesia nomor 4 tahun 1996 tentang hak tanggungan atas tanah beserta benda-benda yang berkaitan dengan tanah. Doctoral thesis, Universitas Pelita Harapan.

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Abstract

Proses eksekusi Hak Tanggungan haruslah sesuai dengan peraturan perundang-undangan untuk melindungi konsumen itu sendiri. Namun kenyataan di masyarakat, masih banyak konsumen (debitor) yang dirugikan, khususnya oleh Bank yang melakukan eksekusi atas dasar Pasal 6 Undang-Undang Nomor 4 Tahun 1996 Tentang Hak Tanggungan yang dikaitkan dengan asas equality before the law. Dalam penelitian ini yang menjadi pokok permasalahannya adalah bagaimana mekanisme eksekusi Hak Tanggungan yang dilaksanakan oleh kreditor agar tidak terganggu rasa keadilan khususnya bagi debitor. Bagaimana pengaturan mekanisme eksekusi jaminan Hak Tanggungan di Indonesia dan bagaimana aspek perlindungan konsumen dalam proses pelaksanaan eksekusi Hak Tanggungan berdasarkan Pasal 6 Undang-Undang Nomor 4 Tahun 1996 Tentang Hak Tanggungan. Jenis penelitian ini adalah penelitian hukum yuridis normatif (normative legal research) yang didukung wawancara narasumber. Penelitian hukum normatif yaitu penelitian yang dilakukan dengan cara melakukan pengkajian perundang-undangan yang berlaku dan diterapkan terhadap suatu permasalahan hukum tertentu. Berdasarkan hasil penelitian dan pembahasan, maka diketahui bahwa Pasal 6 Undang-Undang Hak Tanggungan menyebutkan bahwa apabila debitor cidera janji, pemegang Hak Tanggungan pertama mempunyai hak untuk menjual obyek Hak Tanggungan atas kekuasaan sendiri melalui pelelangan umum serta mengambil pelunasan piutangnya dari hasil penjualan tersebut. Setelah ada pemenang lelang, namun si debitor atau yang menguasai fisik objek lelang tidak menyerahkan secara baik-baik, maka pemenang lelang harus mengajukan permohonan eksekusi pengosongan ke pengadilan, melalui tahapan aanmaning kepada debitor/penghuni obyek kemudian langsung eksekusi pengosongan. Dengan demikian, maksud diterbitkannya Undang-Undang Hak Tanggungan adalah untuk melindungi kepentingan berbagai pihak terkait, yaitu; kreditor, debitor dan pihak ke tiga, yang berkepentingan terhadap hak atas tanah. / Execution of mortgage shall be shall be in accordance with rules and regulations to give protection to customers. Nevertheless, in the society, there are still many customers (debtors) damaged, particularly by Bank that carried out execution based on Article 6 Law Number 4 of 1996 on Mortgage associated with equality before the law Principle. The main problem in this study is how mechanism execution of Mortgage carried out by the creditor in order not being interfered by justice feeling particularly for the debtor. How arrangement of mechanism of execution of Mortgage security in Indonesia and how customer protection aspect in process of execution of Mortgage pursuant to Article 6 of Law Number 4 of 1996 on Mortgage. This study is a normative legal research which is supported by interview with resource person. Normative legal research is any research which is carried out by reviewing prevailing rules and regulations and implemented to a certain legal problem. Based on result of the study and discussion, it was identified that Article 6 Law on Mortgage stated that in case a debtor breaches against agreement, the first Mortgage holder is entitled to sell object of the Mortgage at its discretion through public bidding and to make settlement to its receivables from result of such sales. After successful bidder is appointed, but the debtor party controls over physical object subject to bid did not handover finely, therefore the successful bidder shall submit application of execution for emptying with the court, through aanmaning phase to the debitor/object tenant and then directly execution. Therefore, issuance of the Law on Mortgage aims at giving protection to interest of the associated parties, namely creditor, debtor and any third party, to the rights over the land.

Item Type: Thesis (Doctoral)
Creators:
CreatorsNIMEmail
Sidabutar, JumadinNIM00000028968UNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorWijayanta, TataNIDN0001016411UNSPECIFIED
Thesis advisorSari, Vincensia Esti PurnamaNIDN0318087801UNSPECIFIED
Uncontrolled Keywords: Justice ; Execution of Rights Over the Land ; Creditor ; Debtor
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Doctor of Law
Current > Faculty/School - UPH Karawaci > Faculty of Law > Doctor of Law
Depositing User: Jumadin Sidabutar
Date Deposited: 29 Sep 2020 03:35
Last Modified: 29 Sep 2020 03:35
URI: http://repository.uph.edu/id/eprint/10830

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