Perlindungan hukum terhadap kreditur dalam pemberian kuasa membebankan hak tanggungan apabila debitur meninggal dunia

Maulana, Fibula Iga (2015) Perlindungan hukum terhadap kreditur dalam pemberian kuasa membebankan hak tanggungan apabila debitur meninggal dunia. Masters thesis, Universitas Pelita Harapan.

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Abstract

Tesis ini meneliti tentang keberlakuan surat kuasa membebankan hak tanggungan disaat debitur pelaksana kredit meninggal dunia sebelum terpasang hak tanggungan pada objek yang akan dijadikan jaminan kredit. Perekonomian yang sekarang berlangsung dinamis dalam kehidupan masyarakat secara tidak langsung berdampak pada roda perekonomian Indonesia. Salah satu ciri dinamisnya adalah meningkatnya pinjaman kredit. Dalam memberikan perjanjian kredit, terkadang kreditur dalam hal ini Bank memerlukan suatu jaminan untuk menjamin pelunasan hutang tersebut. Hak tanggungan adalah jaminan yang sering dipakai dalam proses pinjam meminjam dimana objek yang dijadikan jaminan adalah berupa tanah berserta bangunan di atasnya. Surat Kuasa Membebankan Hak Tanggungan merupakan pernyataan pemberian kuasa khusus yang diberikan oleh pemberi kuasa / pemberi Hak Tanggungan dalam bentuk tertulis atau autentik yang dibuat oleh dan dihadapan Notaris atau Pejabat Pembuat Akta Tanah (PPAT) dengan maksud untuk digunakan pada waktu melakukan pemberian Hak Tanggungan, namun dalam perkembangannya banyak terjadi permasalahan yang terjadi seiring dengan berjalannya kredit, salah satu contohnya apabila debitur meninggal dunia pada saat perjanjian kredit masih berlangsung dan objek yang dijaminkan belum sempat dibebani Hak Tanggungan namun sudah terlebih dahulu dibuat Surat Kuasa Membebankan Hak Tanggungan yang menurut Undang- Undang Hak Tanggungan Nomor 4 Tahun 1996 tidak dapat berakhir dan dicabut selain karena sudah habis masa berlakunya / This thesis examines the validity of a power of attorney to charge the security rights when executing debtor dies before the loan is attached encumbrance on the object to be used as loan collateral. Dynamic economy that is now taking place in people's lives are not directly impact on the Indonesian economy. One characteristic is the increased dynamics of credit loans. In providing credit agreements, sometimes the lender in this case the Bank requires a guarantee to ensure repayment of the debt. Encumbrance is the guarantee that is often used in the process of lending and borrowing where objects were used as collateral is in the form of land with buildings on it. Power of Attorney Imposing Mortgage is a statement granting special powers granted by the authorizing / giver Encumbrance in written form or authentic made by and before a Notary or Official Deed Land (PPAT) with a view to use when doing administration Encumbrance, but in its development prevalent problems occurred with the passing of credit, one example if the debtor has died at the time the credit agreement is still ongoing and objects as collateral have not been burdened Encumbrance but have first created a Power of Attorney Imposing Mortgage think Rights Act Dependant No. 4 of 1996 can not be expired and revoked in addition to the already expired

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Maulana, Fibula IgaUNSPECIFIEDUNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
ContributorPandamdari, EndangUNSPECIFIEDUNSPECIFIED
Uncontrolled Keywords: Perlindungan Hukum; Kreditur; Kuasa Membebankan Hak Tanggungan; Debitur; Protection Law; Creditor; Attorney Imposing Mortgage; The Borrower
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: Ms Devy Christiany Zega
Date Deposited: 19 Jun 2019 03:22
Last Modified: 19 Jun 2019 03:22
URI: http://repository.uph.edu/id/eprint/3414

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