Perlindungan hukum bagi pemegang hak tangungan pada penangguhan eksekusi jaminan utang (stay) kepailitan

Wardani, Arif (2017) Perlindungan hukum bagi pemegang hak tangungan pada penangguhan eksekusi jaminan utang (stay) kepailitan. Masters thesis, Universitas Pelita Harapan.

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Abstract

Penelitian dan pembahasan masalah yang dituangkan didalam tesis ini dilakukan dengan tujuan untuk mengetahui ketentuan hukum mana yang berlaku bagi kreditor pemegang hak tanggungan dalam hal ini ditetapkannya putusan pernyataan pailit, mengingat ada dua ketentuan hukum yang berbeda, yaitu Undang-Undang Kepailitan Nomor 37 tahun 2004 dan Undang-Undang Hak Tanggungan Nomor 4 tahun 1996. Penyelesaian utang melalui lembaga kepailitan dimaksud untuk mendapatkan pembagian yang adil bagi para kreditor. Namun bagi kreditur separatis (pemegang gadai, jaminan fidusia, hak tanggungan) hipotek dan agunan kebendaan lainnya), adanya ketentuan penangguhan eksekusi hak tanggungan, hipotek dan agunan kebendaan lainnya), adanya ketentuan penangguhan eksekusi dan pembatasan jangka waktu eksekusi jaminan dalam undang-undang kepailitan kurang selaras dengan ketentuan hukum jaminan, sehingga berpotensi merugikan kreditur separatis, dalam pembahasan thesis ini dapat disimpulkan bahwa perlu dilakukan suatu Penyesuaian baik melalui revisi undang-undang maupun dengan peraturan pemeritah, sehingga dapat memberikan kepastian hukum mengenai ada atau tidak adanya hak eksekusi kreditur separatis / The research and discussion of the problem as outlined in this thesis is conducted with the aim to know which legal provisions apply to the creditor holder of the right of tangungan in this matter the decree of bankruptcy decree, there are two different law provisions, namely Bankruptcy Law Number 37 year 2004 and Deposit Insurance Law No. 4 of 1996. The discharging of one’s debt by bankruptcy aims to provide creditors with fair distribution of assets. However, for secured creditors, (those holding mortgage rights, fiduciary collateral and other in rem security rights) provisions concerning stay of execution and limited foreclosure time are not consistent with securities law, hence jeopardizing their interests. This article arri into a conclusion that several adjustment need to be made by amending the existing statutory regulations and by stipulating a government Regulation, in order to ensure legal certainty on whether the right of secured creditors to foreclose exists

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