Akibat hukum bagi bank penerima AYDA berdasar kuasa menjual di luar lelang atas debitur yang kemudian dinyatakan pailit

Setiawati, Nugrahenny (2021) Akibat hukum bagi bank penerima AYDA berdasar kuasa menjual di luar lelang atas debitur yang kemudian dinyatakan pailit. Masters thesis, Universitas Pelita Harapan.

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Abstract

Salah satu mekanisme penyelesaian kredit bermasalah yang dimiliki oleh Bank adalah dengan cara set off pinjaman Debitur menjadi asset, melalui skema Agunan Yang Diambil Alih (AYDA) dengan kuasa menjual di luar lelang. Dalam penulisan Tesis ini, Penulis menggunakan metode penelitian hukum normatif, dengan menggunakan pendekatan Undang-Undang dan pendekatan politik hukum terkait implikasi pelaksanaan peraturan perundang-undangan mengenai AYDA dan kepailitan pada dunia perbankan. Dalam pelaksanaannya skema AYDA dengan kuasa menjual di luar lelang apabila dikemudian hari Debitur selaku pemilik agunan dinyatakan pailit, agunan tersebut berpotensi untuk dimasukkan ke dalam harta pailit oleh Kurator, mengingat walaupun para pihak dalam perjanjian AYDA telah sepakat bahwa status kepemilikan AYDA telah beralih, namun secara administrasi belum dilakukan balik nama sesuai dengan ketentuan perundang-undangan yang berlaku. Apabila debitur selaku pemilik agunan diputus pailit, dan Kurator memasukkan agunan yang telah diambil alih oleh Bank ke dalam harta pailit, maka Bank dapat mengajukan perlawanan terhadap tindakan Kurator tersebut. Dengan dasar bahwa AYDA tersebut telah beralih kepada Bank berdasarkan Perjanjian AYDA dan telah dilakukannya set off terhadap kredit Debitur di Bank yang juga telah dilaporkan kepada OJK. Dengan demikian semestinya agunan yang telah diambil alih tersebut tidak masuk dalam harta pailit. / One of the non-performing loan settlement mechanisms owned by the Bank is by setting off debtor loans into assets, through the foreclosed asset (AYDA) scheme based on an authorization to sell out of the auction. In writing this thesis, the author uses a normative legal research method, using a law approach and a legal political approach related to the implications of implementing laws and regulations regarding AYDA and bankruptcy in the banking world. In the implementation of the AYDA scheme based on an authorization out of the auction if in the future the Debtor as the owner of the collateral is declared bankrupt, the collateral has the potential to be included in the bankruptcy estate by the Curator, considering that although the parties to the AYDA agreement have agreed that the ownership status of the AYDA has changed, but administratively the title transfer has not carried out in accordance with the provisions of the applicable legislation yet. If in the future the debtor as the owner of the collateral is declared bankrupt, and the Curator includes the collateral that has been taken over by the Bank into the bankruptcy estate, the Bank may file an objection against the Curator's action. On the basis that the AYDA has been transferred to the Bank based on the AYDA Agreement and a set off has been made to the Debtor's credit at the Bank which has also been reported to Otoritas Jasa Keuangan. Thus, the foreclosed asset should not be included in the bankruptcy estate.

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