Perlindungan hukum bagi kreditur terhadap pembatalan hak tanggungan dalam perjanjian kredit (putusan mahkamah agung nomor 1217k/pdt/2016)

Aryani, Fransisca Kusuma (2020) Perlindungan hukum bagi kreditur terhadap pembatalan hak tanggungan dalam perjanjian kredit (putusan mahkamah agung nomor 1217k/pdt/2016). Masters thesis, Universitas Pelita Harapan.

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Abstract

Tanah merupakan jaminan yang sering digunakan oleh debitur pada saat melakukan pinjaman di bank. Jaminan tersebut diikat dengan hak tanggungan dan dibuatkan akta oleh PPAT berupa akta pemberian hak tanggungan (APHT) yang merupakan akta otentik. Namun terdapat banyak akta otentik yang dibuat oleh PPAT mendapatkan gugatan dan akhirnya dibatalkan oleh Pengadilan. Penelitian ini bertujuan untuk mengetahui dan menganalisis perlindungan hukum bagi bank selaku kreditur yang beritikad baik terhadap pembatalan perjanjian kredit dan hak tanggungan dan juga untuk meneliti dan menganalisis prinsip kehati hatian yang dapat dilakukan PPAT dalam hal mencegah terjadinya permasalahan kredit dikemudian hari. Penelitian tesis ini menggunakan metode penelitian hukum normative, pengumpulan data menggunakan penelitian kepustkaan dengan data sekunder sebagai sumber utamanya. Hasil penelitian menunjukkan bahwa perlindungan hukum yang dapat digunakan oleh kreditur yang akta pemberian hak tanggungannya dibatalkan oleh pengadilan adalah menggunakan jaminan umum yang diatur dalam Pasal 1131 dan 1132 KUHPerdata. PPAT dalam menjalankan tugas dan jabatannya harus bertindak cermat dan diteliti serta memeriksa secara detail semua dokumen yang diserahkan para pihak. Jika PPAT menemukan ketidak cocokan dokumen maka PPAT wajib menolak untuk membuatkan akta tersebut./ A credit agreement is an agreement between a bank and prospective debtors in accordance with the principle of freedom of contract. Collateral in a credit agreement is something that is given to a creditor to provide assurance that the debtor will be able to fulfill his obligations which can be valued in money arising from an engagement. Land is collateral that is often used by debtors when making credit loans at banks. The guarantee will be given a mortgage and a deed will be made by the PPAT in the form of a deed of mortgage granting (APHT) which is an authentic deed. However, there are many authentic deeds made by the PPAT that have been challenged and eventually canceled by the Court. This study aims to determine and analyze legal protection for banks as creditors with good intentions against the cancellation of credit agreements and mortgage rights. This study also aims to research and analyze the precautionary principles that PPAT can implement in terms of preventing future credit problems. This thesis research uses normative law research methods, data collection uses library research with secondary data as the main source. The results show that the legal protection that can be used by creditors whose mortgage deed has been canceled by the court is to use general guarantees as stipulated in Articles 1131 and 1132 of the Civil Code. In carrying out its duties and positions, the PPAT must act carefully and be scrutinized as well as examine in detail all documents submitted by the parties. If the PPAT finds a document mismatch, the PPAT is obliged to refuse to produce the deed.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Aryani, Fransisca KusumaNIM01656180115fransiscakusuma_a@yahoo.co.id
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSilalahi, Jur UdinNIDN0320095801UNSPECIFIED
Additional Information: T 56-18 ARY p
Uncontrolled Keywords: Credit Agreement ; Land Mortgage ; PPAT precautionary principle
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: Users 10482 not found.
Date Deposited: 06 Feb 2021 07:05
Last Modified: 16 Aug 2021 03:33
URI: http://repository.uph.edu/id/eprint/15656

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