Akibat hukum jaminan fidusia yang tidak didaftarkan dalam hal debitur wanprestasi dalam perjanjian pembiayaan konsumen pt x

Tantiana, Devina Rosalia (2018) Akibat hukum jaminan fidusia yang tidak didaftarkan dalam hal debitur wanprestasi dalam perjanjian pembiayaan konsumen pt x. Masters thesis, Universitas Pelita Harapan.

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Abstract

There are currently many financial institutions that supports loan for buyer who want to purchase a vehicle such as car. Frequently, the financial institutions will issue fiduciary guarantee for buyer who want to purchase the vehicle such as car using loan. In practice, there are still many consumer financial institutions that do not register the fiduciary guarantee to the Fiduciary Registration Office. By using the juridical normative as the research method, that is a research that aims to describe the symptoms that become the material or object of the research. Critical explanations can be made in the form of a systematic framework based on the juridical aspect. After conducting analytical research, the consumer financial agreement between the creditor (PT X) and the debtor is not made by a notary, so it can’t be registered at the Fiduciary Registration Office. It can be concluded that the legal consequences due to unregistered fiduciary guarantees if the debtor default is the creditor will be lack of authority to execute the fiduciary guarantee, but must take a civil claim in court, under the provisions of the Civil Code. In the case of financial loan agreement, fiduciary guarantee is an absolute requirement which must be fulfilled as a condition to the principle of publicity, in accordance with the provisions contained in Article 11 paragraph (1) of the fiduciary guarantee Act number 42 of 1999. / Saat ini banyak lembaga pembiayaan konsumen yang menyelenggarakan kredit pembiayaan bagi konsumen dalam hal pembelian kendaraan bermotor atau mobil. Mereka umumnya menggunakan tata cara perjanjian yang mengikutkan adanya jaminan fidusia bagi objek benda jaminan fidusia. Pada prakteknya, masih banyak sekali lembaga pembiayaan konsumen yang tidak mendaftarkan jaminan fidusia tersebut kepada Kantor Pendaftaran Fidusia. Metode penelitian yang dipakai adalah penelitian yang bersifat yuridis normatif, yaitu suatu penelitian yang bertujuan untuk menggambarkan gejala yang menjadi bahan atau objek dari penelitian tersebut. Kemudian dilakukan penjelasan-penjelasan yang kritis, yakni dalam bentuk kerangka sistematis yang berdasarkan aspek yuridis. Setelah dilakukan analisa, perjanjian pembiayaan konsumen yang dibuat antara pihak kreditur (PT X) dengan debitur tersebut tidak dibuat di hadapan notaris, sehingga tidak dapat didaftarkan di Kantor Pendaftaran Fidusia. Dapat disimpulkan bahwa akibat hukum terhadap jaminan fidusia yang tidak didaftarkan apabila debitur wanprestasi adalah tidak adanya kewenangan kreditur untuk melakukan eksekusi terhadap jaminan fidusia, namun harus menempuh gugatan secara perdata di pengadilan berdasarkan ketentuan KUHPerdata. Dalam hal adanya jaminan fidusia, pendaftaran merupakan syarat mutlak yang harus dipenuhi sebagai syarat lahirnya jaminan fidusia untuk memenuhi asas publisitas, sesuai dengan ketentuan yang terdapat dalam Pasal 11 ayat (1) UU Jaminan Fidusia No. 42 Tahun 1999.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Tantiana, Devina RosaliaNIM00000024484UNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorPandamdari, EndangNIDN0313026002UNSPECIFIED
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 15 not found.
Date Deposited: 19 Jun 2019 03:16
Last Modified: 02 Oct 2020 05:49
URI: http://repository.uph.edu/id/eprint/3350

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