Implementasi jaminan beli kembali (buyback guarantee) dalam rangka penyelesaian kredit macet

Rismawati, Rismawati (2021) Implementasi jaminan beli kembali (buyback guarantee) dalam rangka penyelesaian kredit macet. Masters thesis, Universitas Pelita Harapan.

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Abstract

Dalam Implementasi Jaminan Beli Kembali tergantung obyek yang dibeli kembali, Obyek yang dibeli kembali dapat berupa hak atas tagihan terhadap Debitur atau hak atas tanah dan bangunan milik Debitur. Pengalihan hak atas tagihan yang dapat diimplementasikan dalam jaminan beli kembali (Buyback Guarantee) adalah Cessie dan Subrogasi. Oleh karena yang dialihkan adalah tagihannya bukan berarti jaminan menjadi milik Kreditur baru, tetapi Kreditur baru menjadi pengganti Kreditur lama sebagai pemegang hak tagih dan pemegang jaminan. Pengalihan hak atas Tanah dan Bangunan yang dimiliki oleh Debitur yang diserahkan kepada Bank sebagai jaminan dengan cara pengalihan hak atas tanah dan bangunan, Pihak Pertama (dalam hal ini adalah Bank selaku kuasa dari Pemilik Jaminan, berdasarkan Perjanjian Pemberian Jaminan dan Kuasa), Pihak Kedua (dalam hal ini adalah Pengembang), maka terjadi perubahan kepemilikan atas tanah dan bangunan, yaitu dari Debitur (selaku pemilik jaminan) menjadi milik Pengembang. Sehubungan dengan jaminan beli kembali (Buyback Guaranteee) dan implementasinya dalam hal Debitur cidera janji, hanya satu perjanjian yang berdasarkan ketentuan perundang-undangan yang harus dibuat dalam akta Notaris, yaitu akta Perjanjian Pengikatan Jual Beli (berdasarkan Peraturan Menteri Pekerjaan Umum dan Perumahan Rakyat Republik Indonesia nomor 11/PRT/M/2019 tentang Sistem Perjanjian Pendahuluan Jual Beli Rumah) / The implementation of Buyback Guarantee are depends on the repurchased object, it can be the collection rights on Debtor or to land and buildings owned by the Debtor. The collection rights diversion that can be implemented in the Buyback Guarantee is Cessie and Subrogation. The collection rights that transferred does not mean that the guarantee belongs to the new Creditor, but the new Creditor becomes a substitute for the old Creditor as the claim holder and the guarantee holder. The diversion rights of land and buildings owned by the debtor that submitted to the bank as collateral, the first party (in this case the bank as the proxy of the collateral owner, based on the guarantee and power of attorney agreement), the second party ( in this case it is the Developer), that the change of ownership in land and buildings, named from the Debtor (as the owner of the guarantee) to the property of the Developer. In connection to the Buyback Guarantee and its implementation in the event the Debtor is in default, only one agreement based on statutory provisions must be made in a Notary deed, namely the Sale and Purchase Agreement deed (based on the Regulation of the Minister of Public Works and Public Housing of the Republic of Indonesia number 11 / PRT / M / 2019 concerning the Preliminary Sale and Purchase Agreement System)

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