Analisis yuridis terhadap kesetaraan kedudukan antara kreditur dan debitur dalam perjanjian kredit perbankan di Indonesia

Jonathan, Eric (2021) Analisis yuridis terhadap kesetaraan kedudukan antara kreditur dan debitur dalam perjanjian kredit perbankan di Indonesia. Masters thesis, Universitas Pelita Harapan.

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Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis kedudukan antara kreditur dan debitur dalam perjanjian kredit bank di Indonesia dan untuk menganalisis peran notaris dalam perjanjian kausula baku. Metode penelitian yang digunakan oleh penulis adalah penelitian hukum secara normatif dan untuk kepentingan ilmiah saja (basic research). Tipe penelitian yang merupakan penelitian deskriptif analitis. Hasil dari penelitian ini adalah Kedudukan antara kreditur dan debitur dalam perjanjian kredit bank di Indonesia adalah kurang setara karena dalam pemberian kredit yang dilakukan, terdapat kalusula baku yang sudah ditetapkan oleh Bank dan tidak dapat dinegosiasi oleh debitur, sehingga terjadi ketidakseimbangan kedudukan para pihak dalam perjanjian kredit pada Bank di Indonesia. Peran Notaris dalam perjanjian kalusula baku penting yaitu untuk menjelaskan mengenai perjanjian klausula baku apabila debitur dan kreditur sama-sama setuju maka klausa baku tersebut boleh dimaklumkan. Notaris juga memiliki kewenangan untuk membuat perjanjian pinjam meminjam antar debitur dengan bank sebagai kreditur. / This study aims to determine and analyze the position between creditors and debtors in bank credit agreements in Indonesia and to analyze the role of notaries in standard causation agreements. The research method used by the author is normative legal research and for scientific purposes only (basic research). This type of research is descriptive analytical research. The results of this study are the position between creditors and debtors in bank credit agreements in Indonesia is less equal because in the provision of credit, there are standard clauses that have been set by the bank and cannot be negotiated by the debtor, resulting in an imbalance in the position of the parties in the credit agreement. at Banks in Indonesia. The role of the Notary in the standard clause agreement is important, namely to explain the standard clause agreement, if the debtor and creditor both agree, then the standard clause may be declared. Notaries also have the authority to make loan agreements between debtors and banks as creditors.

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