Kekuatan hukum eksekusi objek jaminan fidusia refinancing dengan akta dibawah tangan (kajian atas putusan pengadilan negeri sumedang nomor 9/pdt.sus.bpsk/2015/pn. Smd)

Tamariska, Ersitha Midya (2017) Kekuatan hukum eksekusi objek jaminan fidusia refinancing dengan akta dibawah tangan (kajian atas putusan pengadilan negeri sumedang nomor 9/pdt.sus.bpsk/2015/pn. Smd). Masters thesis, Universitas Pelita Harapan.

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Abstract

Di awal tahun 2011, sering kita temui spanduk-spanduk di jalanan yang menulis “Kredit Jaminan BPKB”. Sekilas terlihat begitu mudahnya untuk menjadi seorang debitur dalam memperoleh dana, baik untuk perluasan usaha maupun untuk kepentingan lainnya. Namun masalah yang mungkin muncul adalah mengenai keabsahan dari perjanjian jaminan refinancing tersebut dalam pelaksanaan eksekusi jika debitur tidak membayar hutangnya, sementara barang yang dijaminkan dipegang oleh debitur itu sendiri. Salah satu contoh kasusnya yaitu didalam Putusan Pengadilan Negeri Sumedang Nomor 9/Pdt.Sus.BPSK/2015/PN. Smd. Permasalahan yang muncul adalah bagaimana kekuatan hukum eksekusi objek jaminan fidusia refinancing dengan akta dibawa tangan beserta peran dan tanggung jawab notaris dalam hukum jaminan di Indonesia. Oleh karena itu, penulis melakukan pendekatan undang-undang dan pendekatan kasus sehingga diperoleh jawaban atas permasalahan tersebut. Kenyataan yang terjadi adalah penjaminan kendaraan bermotor melalui penguasaan BPKB yang identik dengan Jaminan Fidusia ternyata melanggar esensi Jaminan Fidusia yang diamanatkan oleh Undang-undang. Jaminan tersebut tidak dituangkan dalam akta notaris dan tidak pula didaftarkan ke Kantor Pendaftaran Fidusia sesuai aturan yang berlaku.. Berbagai cara mungkin saja dilakukan oleh kreditur untuk mendapatkan pelunasan piutangnya,baik dengan cara yang sah maupun tidak sah. Berdasarkan hasil penelitian yang penulis lakukan dengan metode yuridis-normatif, maka dapat disimpulkan bahwa Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia telah mengamanatkan pencatatan dan pendaftaran jaminan Fidusia, namun dalam prakteknya, baik kreditur maupun debitur tidak melakukan amanat Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia / In early 2011, we often encounter street banners that write "Credit Guarantee BPKB". At first glance looks so easy to become a debtor in obtaining funds, both for business expansion and for other purposes. However, the problem that may arise is regarding the validity of the refinancing guarantee agreement in execution if the debtor does not repay the debt, while the guaranteed item is held by the debtor itself. One example of the case is in the Decision of the District Court Sumedang Number 9 / Pdt.Sus.BPSK / 2015 / PN. Smd. The problem that arises is how the legal power of fiduciary refinancing object execution object with the credit agreement along with the roles and responsibilities of notary in guarantee law in Indonesia. Therefore, the authors approach the law and the case approach so that the answer to the problem is obtained. The fact that there is a guarantee of motor vehicles through the BPKB control which is identical with Fiduciary Guarantee turned out to violate the essence of Fiduciary Guarantee mandated by the Act. The warranty is not covered by notarial deed and is not registered to the Fiduciary Registration Office according to the applicable rules. Various ways may be made by the creditor to obtain the settlement of his receivables, either legally or unlawfully. Based on the results of research that the author did with the juridical-normative method, it can be concluded that Law No. 42 of 1999 on Fiduciary Security has mandated the registration and registration Fidusia guarantee, but in practice, both creditors and debtors do not mandate Law Number 42 Year 1999 on Fiduciary Guarantee

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Tamariska, Ersitha MidyaUNSPECIFIEDUNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
ContributorPandamdari, EndangUNSPECIFIEDUNSPECIFIED
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 07:45
Last Modified: 19 Jun 2019 07:45
URI: http://repository.uph.edu/id/eprint/3625

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