Penguatan aspek kepastian hukum dalam sistem pendaftaran perjanjian jaminan fidusia secara online

Pranatia, Maria (2020) Penguatan aspek kepastian hukum dalam sistem pendaftaran perjanjian jaminan fidusia secara online. Doctoral thesis, Universitas Pelita Harapan.

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Abstract

Sebagai instrumen hukum, jaminan fidusia merupakan bentuk jaminan kebendaan yang lazim digunakan oleh masyarakat untuk memperoleh kredit dari Bank maupun Lembaga Pembiayaan. Sejak pemerintah memperkenalkan sistem pendaftaran jaminan fidusia secara elektronik, penerapan sistem online tersebut ternyata belum sepenuhnya didukung oleh sistem hukum yang memadai. Penelitian hukum ini dilakukan dengan tujuan untuk menelusuri dan menganalisis pengaturan yang terkait dengan status hukum dan kedudukan perjanjian fidusia serta kewajiban pendaftarannya berikut pelaksanaannya. Tujuannya, untuk menemukan model sistem pendaftaran jaminan fidusia yang ideal guna mendukung kegiatan perekonomian. Metode penelitian yang digunakan adalah penelitian hukum normatif dengan pendekatan undang-undang, historis, komparatif dan konseptual dengan dukungan studi kasus yang relevan. Hasil penelitian menunjukkan perlunya amandemen terhadap Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia sekaligus revisi dan harmonisasi pada peraturan pelaksananya. Tujuan akhirnya adalah agar sistem jaminan fidusia nasional senantiasa selaras dengan nilai keadilan, kepastian hukum dan kemanfaatan yang selama ini menjadi tiga nilai dasar hukum yang mendasari regulasi dan tatanan hukum di Indonesia./Fiduciary guarantee or chattel mortgage constitute a type of guarantee commonly used by the society to obtain loan from Banks or other financial institutions. Administratively, since the government established an electronic chattel registration system, the said online system has in fact, not been fully supported by sufficient legal system. This research aims to explore, and analyze regulations regarding the legal status of chattel agreements along with its registration system and also the implementation of the electronic chattel registration system with the aim of providing recommendation to the ideal registration system to support economic activities. This research bases on methodology of a normative legal research which carried out several approaches such as statutory approach, case approach, historical approach, comparative approach and conseptual approach. The results of the study essentially emphazied the need for amandement and harmonization of Law No. 45/1999 concerning Chattel Mortgage along with its implementing regulations in addition to the need of other revision in it. Ultimately the Indonesia chattel mortgage will always in harmony with the values of justice, certainty and usefulness which have been the three basic legal values acknowledged in Indonesia Legal System.

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