Asas keseimbangan dalam kontrak baku perjanjian kredit perbankan yang mewujudkan keadilan

Feysie, Liefyia (2021) Asas keseimbangan dalam kontrak baku perjanjian kredit perbankan yang mewujudkan keadilan. Masters thesis, Universitas Pelita Harapan.

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Abstract

Asas Keseimbangan merupakan dasar dari suatu keadaan dalam perjanjian dimana posisi para pihak berada dalam keadaan yang seimbang, tidak ada pihak yang mendominasi. Ketidakseimbangan dapat terjadi dalam perjanjian yang didasarkan pada klausula baku. Dalam perjanjian baku dikenal dengan istilah take it or leave it, artinya apabila debitur setuju dengan persyaratan maka tercipta kata sepakat sebaliknya apabila debitur tidak setuju maka perjanjian tidak terjadi. Asas keseimbangan diterapkan dalam perjanjian guna mencapai keadilan. Keadilan yang dimaksud dalam hal ini dilihat dari teori keadilan yang dikemukakan oleh John Rawls yaitu Justice as Fairness, yaitu tidak menuntut setiap orang untuk melalui prosedur yang sama serta hasil yang sama untuk mewujudkan keadilan. Untuk itu harus ada penerapan tolak ukur yang dilihat dari segala situasi dalam rangka mengajukan tuntutan pada suatu perjanjian yang disebutkan mengandung ketidakseimbangan. Tujuan dari penelitian ini adalah untuk melihat penerapan asas keseimbangan dalam perjanjian kredit kontrak baku. Kemudian dilihat bagaimana keadilan dapat diwujudkan dalam perjanjian kredit yang mencantumkan klausula baku. Penelitian ini menggunakan pendekatan normatif, dimana data yang digunakan penulis terdiri dari data sekunder yang terdiri dari bahan hukum primer, sekunder dan tersier. Hasil dari penelitian ini menjelaskan bahwa ketidakseimbangan tidak dicari dari maksud dan tujuan dari perjanjian melainkan dilihat dari apakah perjanjian tersebut lahir dari kondisi tidak seimbang atau isi dari perjanjian. Kemudian, dalam hal menguji adanya ketidakseimbangan dalam suatu perjanjian, maka pertanyaan selanjutnya adalah apakah hal ini tidak perlu diujikan pada kriteria baku. Selanjutnya, Keadilan dalam perjanjian juga terpenuhi apabila baik debitur maupun kreditur melaksanakan prestasi yang dituangkan dalam perjanjian./The balance principle is the basis of a condition in agreement where the position of the parties is in a balanced state, neither party dominates. Imbalances can occur in loan agreements with a standard clause. There is a principle applies in standard agreements known as take it or leave it contract, which means that if the debtor agrees with the terms an agreement is created otherwise if the debtor does not agree then the agreement does not occur. The principle of balance is applied in agreements to achieve justice. The justice referred to in this case is seen from the theory of justice put forward by John Rawls, namely Justice as Fairness, which does not require everyone to go through the same procedure and results to realize justice. For this reason, there must be an application of benchmarks that are seen from all situations in the context of filing claims on an agreement that is said to contain imbalances. The purpose of this study is to find the application of the balance principle in the standard contract banking loan agreement. Then to do research on how justice can be realized in a loan agreement with a standard clause. This study uses a normative approach, where the data used by the author consists of secondary data which consisting of primary, secondary, and tertiary legal materials. The result of this research explains that the imbalance is not sought from the intent and purposes of the agreement but rather seen from whether the agreement was based on an unbalanced condition or the content of the agreement. Then, in terms of proving the existence of an imbalance in an agreement, the question that need to be asked is whether this does not to be tested with a standard agreement law. Furthermore, justice in the agreement is also fulfilled if the debtor and creditor carry out the achievements set forth in the agreement.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Feysie, LiefyiaNIM01659200041liefyia.feysie@gmail.com
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSihombing, JonkerNIDN8838820016UNSPECIFIED
Uncontrolled Keywords: perjanjian kredit ; kontrak baku ; asas keseimbangan ; keadilan
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Depositing User: Users 22718 not found.
Date Deposited: 18 Jan 2022 01:20
Last Modified: 10 Mar 2022 03:30
URI: http://repository.uph.edu/id/eprint/44467

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