Tinjauan yuridis pemberian personal guarantee oleh penjamin berkewarganegaraan asing sebagai jaminan fasilitas kredit pada pt bank x, tbk

Setiorini, Poppy Indah (2019) Tinjauan yuridis pemberian personal guarantee oleh penjamin berkewarganegaraan asing sebagai jaminan fasilitas kredit pada pt bank x, tbk. Masters thesis, Universitas Pelita Harapan.

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Abstract

Pemberian jaminan pada pengajuan kredit sudah menjadi ketentuan baku dalam kegiatan perbankan. Pemberian jaminan merupakan syarat utama yang wajib disediakan calon debitur pada setiap pengajuan kredit dilembaga perbankan. Dalam penelitian ini, jaminan yang diberikan oleh debitur dalam fasilitas kreditnya adalah jaminan perorangan (personal guarantee) yang diberikan oleh pihak ketiga (penjamin) bekewarganegaraan asing. Pemberian jaminan perorangan (personal guarantee) oleh penjamin berkewarganegaraan asing tidak dilarang berdasarkan peraturan perundang-undangan yang berlaku, sehingga perjanjian jaminan perorangan (personal guarantee) yang diberikan kepada PT Bank X., Tbk., tetap menjadi jaminan yang memiliki kekuatan hukum dan mengikat para pihak yang terlibat didalam perjanjian jaminan tersebut. Permasalahannya adalah ketika debitur gagal untuk memenuhi kewajibannya berdasarkan perjanjian kredit dan menjadi wanprestasi, maka PT Bank. Tbk., tidak dapat melakukan eksekusi (law enforcement) terhadap jaminan perorangan (personal guarantee) yang diberikan penjamin berkewarganegaraan asing dikarenakan harta kekayaan penjamin berkewarganegaraan asing tersebut berada di luar wilayah Republik Indonesia dan terkendala perbedaan yurisdiksi. Pada akhirnya jaminan perorangan (personal guarantee) yang diberikan oleh penjamin berkewarganegaraan asing dalam kasus ini menjadi suatu dokumen pemberian itikad baik kepada kreditur tanpa dapat dilakukan pelaksanaan eksekusi secara hukum (law enforcement). Metode penelitian yang diterapkan dalam penulisan ini adalah metode penelitian yuridis normatif dengan menggunakan penelitian studi kepustakaan / With regards to the loan application, granting the guarantee as a collateral has become a standard policy in banking activities. Granting the guarantee shall be the main requirement need to be fullfiled by the prospective debtor in every loan application in banking institution. In this research, the debtor has provided the personal guarantee given by third party (guarantor) with foreign citizen, in order to obtain the credit facility. There is no restriction in granting the personal guarantee by foreign citizen pursuant to the prevailing regulations, thus the personal guarantee agreement given to the PT Bank X., Tbk., shall have the legal force and binding the relevant parties. However, when the debtor failed to fulfil his obligations under the credit agreement and become default, the personal guarantee agreement given by the foreign citizen cannot be executed by PT Bank X, Tbk, due to the differences in jurisdiction and the position of the assets outside the territory of Indonesia. Therefore, the enforcement of the personal gurantee will not be effective and in the end the personal guarantee will only be goodwill documentation without any law enforcement.The methodology applied in this research is normative juridical method using the library research studies

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Setiorini, Poppy IndahUNSPECIFIEDUNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
ContributorSusantijo, SusiUNSPECIFIEDUNSPECIFIED
Uncontrolled Keywords: Banking ; Guarantee Law ; Personal Guarantee ; Banking ; Security of Law ; Personal Guarantee
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 04:23
Last Modified: 07 Nov 2019 04:23
URI: http://repository.uph.edu/id/eprint/5382

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