Analisis yuridis kedudukan debt collector dikaji dari undang-undang nomor 10 tahun 1998 tentang perbankan dan aspek perjanjian perdata di Indonesia

Kriswandana, Raden Mas Sebastian (2018) Analisis yuridis kedudukan debt collector dikaji dari undang-undang nomor 10 tahun 1998 tentang perbankan dan aspek perjanjian perdata di Indonesia. Masters thesis, Universitas Pelita Harapan.

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Abstract

In the debt collecting world debt collector is a well known profession in the society here in Indonesia. Talking about debt collector it must be related to debts or stucked credit. Many creditor in this case is Bank use debt collecting companies to solve their debtor stucked credit problem. As we know there are many criminal cases here in Indnesia that cause by debt collectors such as vandalism, killing, destroying properties, extortion, deprivation, coercion, etc which is certainly very disturbing to the society. Debt collectors nowadays have rules and regulation which are stated in the Bank of Indonesia Regulation No. 14/2/PBI/2012, Bank of Indonesia Circular Letter No. 18/33/DKSP/2016 and Authority of Financial Services Regulation No.9/POJK.03/2016. As we know there are higher banking regulation which is the mother of regulations as mentioned above, which is stated in Indonesian Banking Regulation No. 10 Year 1998. There are contradiction between the debt collector regulation as mentioned above and Indonesian Banking Regulation No. 10 Year 1998 which is the mother of Indonesia Banking Regulation about debt collector position in Indonesia. Beside that, in this thesis the author found that the agreement between Bank and Debt Collecting Companies which is stated in Agreement No. SPJ.0030/CLFM-COLL/17 also contradict with the debt collector regulation especially about Bank responsibility related to debt collector usage. / Dalam dunia penagihan utang debt collector merupakan suatu profesi yang sudah dikenal oleh masyarakat di Indonesia. Bicara mengenai debt collector maka hal tersebut berkaitan dengan utang dan kredit macet. Banyak kreditur yang dalam hal ini Bank yang kerap menggunakan perusahaan jasa penagih untuk mengurus masalah kredit macet debiturnya. Seperti yang dapat kita ketahui bahwa banyak sekali tindakan pidana di Indonesia yang dilakukan oleh debt collector seperti kekerasan, pembunuhan, penggerusakan properti, pemerasan, perampasan, pemaksaan, dan lain-lain yang tentunya sangat meresahkan masyarakat. Hingga saat ini debt collector sudah diatur dalam peraturan yang tertuang dalam Peraturan Bank Indonesia No. 14/2/PBI/2012, Surat Edaran Bank Indonesia No. 18/33/DKSP/2016 dan Peraturan Otoritas Jasa Keuangan No. 9/POJK.03/2016. Seperti yang kita ketahui bahwa dalam dunia perbankan terdapat peraturan induk yang lebih tinggi dari peraturan sebagaimana disebut diatas yaitu Undang-Undang No. 10 Tahun 1998 tentang Perbankan. Dari peraturan-peraturan diatas terdapat kontradiksi antara peraturan mengenai debt collector sebagaimana disebut diatas dengan UndangUndang No. 10 Tahun 1998 tentang Perbankan khususnya tentang kedudukan debt collector. Selain itu dalam penulisan tesis in,i penulis menemukan bahwa dalam perjanjian antara bank dengan debt collector sebagaimana tertuang dalam perjanjian No. SPJ.0030/CLFM-COLL/17 juga berkontradiksi dengan peraturan yang mengatur mengenai debt collector khususnya mengenai tanggung jawab bank terhadap kegiatan debt collector.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Kriswandana, Raden Mas SebastianUNSPECIFIEDUNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorAnggraini, Anna Maria TriUNSPECIFIEDUNSPECIFIED
Uncontrolled Keywords: Debt Collector ; Bank ; Debts ; Credit
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 15 not found.
Date Deposited: 13 Sep 2019 02:59
Last Modified: 13 Sep 2019 02:59
URI: http://repository.uph.edu/id/eprint/4593

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