Tanggung jawab hukum kreditur dalam pelaksanaan perjanjian kredit dengan jaminan fidusia kendaraan bermotor yang digadaikan pada PT. Pegadaian (Persero)

Pua Upa, Nurcholis (2016) Tanggung jawab hukum kreditur dalam pelaksanaan perjanjian kredit dengan jaminan fidusia kendaraan bermotor yang digadaikan pada PT. Pegadaian (Persero). Masters thesis, Universitas Pelita Harapan.

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Abstract

Pledge Company is a state-owned enterprises that has authority to give the loan fund with warrant based on pledge collateral system provision, based onPublic Regulation Number 51 Year 2011 related to The Changes in The Status of State-Owned Enterprise of Public Company of Pledge become Persero Company of Pledge, which is said that Pledge company’s business activities are not only limited to pledge collateral but also fiduciary. During this time administration of Pledge Company with fiduciary collateral system is more profitable and more satisfied to customer than pledge system itself. The problem is in case of infractions in the provision of fiduciary on Pledge company which caused financial losses to customers, must be done based on Constitution Number 42 Year 1999 related to Fiducia Collateral System that has different construction with the pledge. In this study, data collection is done by using the statue approach and case approach i.e. by analyzing the related regulations related to the Pledge company accountability for problematic objects of fiduciary collateral system and protection of the rights of the debtor on the object fiduciary on Pledge Company. This study uses yuridis normative research focusing primarily on the study of literature. Using the theory of liability by Purbacaraka. From this research we could take a good picture about for answering the question about the event of infractions in the provision of fiduciary at Pledge company, especially in stateowned pledge company, especially if the offense was intentionally committed by the Pledge Company itself then the pledge company can be prosecuted with replacement costs, damages and interest, and the debtor may initiate a case to court. / Pegadaian adalah suatu lembaga keuangan non bank yang memilik kewenangan memberikan pinjaman uang dengan jaminan berdasarkan ketentuan gadai dan fidusia, PP No.51 Tahun 2011 tentang Perubahan Badan Usaha Perum Pegadaian menjadi Perusahaan Persero Pegadaian (Persero) menyebutkan bahwa kegiatan usaha Pegadaian tidak hanya terbatas pada jaminan gadai tetapi juga jaminan fidusia. Selama ini pemberian jaminan fidusia pada Pegadaian lebih menguntungkan dan lebih memuaskan nasabah daripada sistem gadai itu sendiri. Permasalahan yang terjadi adalah apabila terjadi pelanggaran dalam pelaksanaan pemberian jaminan fidusia pada Pegadaian yang mengakibatkan kerugian pada nasabah dan harus diselesaikan berdasarkan Undang-Undang Nomor 42 Tahun 1999 Tentang Jaminan Fidusia yang berbeda konstruksi hukumnya dengan gadai. Dalam penelitian ini, pengumpulan data dilakukan dengan menggunakan pendekatan Perundang-undangan dan juga pendekatan kasus, yaitu dengan menganalisa peraturan perundangan terkait pertanggungjawaban Pegadaian atas obyek jaminan fidusia yang bermasalah dan perlindungan terhadap hak-hak debitur atas obyek jaminan fidusia pada Pegadaian. Penelitian ini menggunakan metode yurids normative yang memusatkan penelitian terutama pada studi kepustakaan. Menggunakan teori pertanggungjawaban Purbacaraka dapat disimpulkan bahwa apabila terjadi pelanggaran dalam pelaksanaan pemberian jaminan fidusia pada Pegadaian, terutama pada persero pegadaian terutama apabila pelanggaran tersebut dilakukan oleh Pihak Pegadaian dengan unsur kesengajaan maka pihak Pegadaian dapat dituntut penggantian biaya, rugi dan bunga, dan debitur dapat melakukan gugatan ke Pengadilan.

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