Tinjauan hukum mengenai gadai atas obligasi negara ritel (ori) sebagai agunan utang pada bank

Listyawati, Listyawati (2019) Tinjauan hukum mengenai gadai atas obligasi negara ritel (ori) sebagai agunan utang pada bank. Masters thesis, Universitas Pelita Harapan.

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Abstract

Salah satu jenis risiko utama perlu diperhatikan dari setiap instrumen investasi di pasar keuangan adalah risiko likuiditas (liquidity risk) yang merupakan risiko di mana investor tidak dapat melikuidasi produk investasi dalam waktu yang cepat pada harga yang wajar. Risiko likuiditas (liquidity risk) dapat terjadi apabila pemilik ORI membutuhkan dana dalam waktu cepat akan tetapi ORI tidak dapat dijual pada harga yang wajar. Risiko ini dapat dihindari karena ORI dapat dijadikan sebagai jaminan dalam pengajuan pinjaman ke bank umum, lembaga keuangan lainnya, atau sebagai jaminan dalam transaksi Efek di pasar modal, atau dijual kepada Mitra Distribusi. Ketentuan dan persyaratan berkaitan dengan penggunaan ORI sebagai jaminan/agunan tersebut tergantung pada kebijakan masing-masing bank dan lembaga keuangan lainnya. ORI termasuk ke dalam kategori benda bergerak, maka ORI juga dapat dijadikan sebagai agunan suatu utang. ORI dapat dijadikan jaminan melalui lembaga jaminan gadai. Dalam pelaksanaan gadai, barang gadai haruslah dalam kekuasaan kreditur, dalam hal ini ORI yang dicatatkan sebagai agunan di KSEI diblokir sehingga ORI keluar dari kekuasaan debitur. KSEI akan menerbitkan surat konfirmasi sebagai tanda bukti pencatatan agunan efek kepada bank kustodian yang meminta pencatatan agunan tersebut. KSEI akan menyampaikan laporan kepada Bank Indonesia mengenai pencatatan ORI milik nasabah pemilik ORI yang dijaminkan kepada kreditur. Untuk transaksi pledge, BI-SSSS akan melakukan earmark dari surat berharga yang dijaminkan. Selama surat berharga diagunkan, surat berharga ini tidak dapat diperdagangkan ataupun dipindahkan ke rekening lain. Pledge atau earmark ini akan di release apabila transaksi sudah jatuh tempo / One of the main risks of investment product in the financial market is the liquidity risk i.e. where the investor cannot liquidate the investment product quickly enough in the market at its reasonable price. The liquidity risk can occur if an ORI investor needs fund urgently but the ORI cannot be sold at a reasonable price. This risk can be avoided because ORI can be secured as collateral for a loan from a commercial bank, other financial institution, or as collateral for Securities transaction in capital market or sold to Distribution Partner. The terms and conditions of ORI as collateral are subject to the policy of the respective bank and other financial institutions. ORI falls under the category of movable good, therefore ORI can be secured as loan collateral. ORI is secured by way of pledge. Under a pledge, the pledged object must be under the possession of the creditor, in light of that ORI which is recorded as collateral at KSEI is blocked so that it is not under the possession of the borrower. KSEI will issue a written confirmation to the custodian bank that requested the registration of collateral as the evidence of the registration of the pledge. KSEI will submit a report to Bank Indonesia on the recording of ORI that is pledged to the creditor. As to the pledge transaction, BI-SSSS will earmark the commercial paper that is used as security. For as long as it is under pledge, the commercial paper can neither be traded nor transferred to another account. The pledge or earmark will be released when the transaction is due

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Listyawati, ListyawatiUNSPECIFIEDUNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSihombing, JonkerUNSPECIFIEDUNSPECIFIED
Uncontrolled Keywords: ORI ; Collateral ; Pawn ; Pledge
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Depositing User: Ms Devy Christiany Zega
Date Deposited: 07 Nov 2019 04:32
Last Modified: 07 Nov 2019 04:32
URI: http://repository.uph.edu/id/eprint/5325

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