Tinjauan hukum tentang sifat dan objek sewa beli (hire purchase) di Indonesia dan di Malaysia

Bastari, Nawang (2023) Tinjauan hukum tentang sifat dan objek sewa beli (hire purchase) di Indonesia dan di Malaysia. Masters thesis, Universitas Pelita Harapan.

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Abstract

Masih ditemukannya kegiatan sewa beli di Indonesia mengindikasi bahwa pengaturan mengenai sewa beli harus tetap dipastikan, terlebih adanya perkembangan jaman yang cukup pesat sejak terakhir dikeluarkannya pengaturan perundang-undangan mengenai sewa beli di Indonesia. Tujuan dari studi ini adalah menganalisis peraturan sewa beli terkini di Indonesia, yang selanjutnya digunakan sebagai bahan kajian hukum komparatif dengan regulasi serupa yang berlaku di Malaysia guna memahami perbedaan praktek sifat dan objek yang ada antara Indonesia dan Malaysia. Sehingga penelitian tesis ini merumuskan dua permasalahan utama, yaitu Bagaimana pengaturan mengenai sewa beli (hire purchase) di Indonesia dan Bagaimana sifat dan objek sewa beli di Indonesia dibandingkan dengan di Malaysia. Metode penelitian hukum yang digunakan normative empiris, dengan melihat implementasi ketentuan hukum yang didukung dengan wawancara. Hasil penelitian menunjukkan adanya ketidakpastian pada pengaturan sewa beli di Indonesia, dikarenakan saat ini satu-satunya yang menjadi landasan kegiatan tersebut hanyalah KUHPerdata, pun hanya menjelaskan secara implisit. Malaysia sebaliknya telah memiliki peraturan yang lebih komprehensif yang dituangkan pada sebuah Peraturan perundang-undangan yang dinamakan Hire Purchase Act 1967 (“HPA 1967”). Selain itu, studi ini menemukan bahwa kegiatan sewa beli yang berlaku di Indonesia dan Malaysia memiliki perbedaan yang mana Indonesia lebih mengkategorikan sewa beli sebagai sebuah jual beli atas barang-barang bergerak maupun tidak bergerak selama dapat menjadi objek jual beli, sedangkan Malaysia lebih menunjukkan sewa beli sebagai sebuah transaksi pembiayaan yang dapat digunakan pada kegiatan sewa menyewa dengan opsi atau pembiayaan kredit terhadap barang-barang bergerak yang terbatas sesuai HPA 1967. / The existence of hire purchase activities in Indonesia is still an indication that the regulation regarding hire purchase must be ensured, especially since there has been a rapid development since the last issuance of legislation regarding hire purchase in Indonesia. The purpose of this study is to analyze the latest hire purchase regulations in Indonesia, which are then used as material for comparative legal studies with similar regulations in force in Malaysia to understand the differences in the nature and objects of hire purchase’s practice that exist between Indonesia and Malaysia. This thesis research formulates two main problems, namely how is the arrangement regarding hire purchase in Indonesia and how are the nature and objects of hire purchase in Indonesia compared to Malaysia. The legal research method used is normative empirical, by looking at the implementation of legal provisions supported by interviews. The results of the research show that there is uncertainty of the hire purchase arrangements in Indonesia, because currently the only basis for these activities is the Civil Code, which only explains it implicitly. Malaysia, on the other hand, has more comprehensive regulations as outlined in a statutory regulation called the Hire Purchase Act 1967 (“HPA 1967”). In addition, this study found that the hire purchase activities that apply in Indonesia and Malaysia have differences in which Indonesia categorizes hire purchase as a sale and can be purchased for movable or immovable goods as long as they can become the object of sale and purchase, while Malaysia shows more hire purchase as a financing transaction that can be used in leasing activities with options and credit financing of limited movable goods according to HPA 1967.

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