Analisis hukum atas pembatalan persetujuan suami istri pada pengikatan jaminan dalam perjanjian kredit perbankan di Indonesia (studi kasus atas putusan pengadilan negeri Jakarta Pusat)

Panjaitan, Deborah Evelyn (2019) Analisis hukum atas pembatalan persetujuan suami istri pada pengikatan jaminan dalam perjanjian kredit perbankan di Indonesia (studi kasus atas putusan pengadilan negeri Jakarta Pusat). Masters thesis, Universitas Pelita Harapan.

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Abstract

This study aims to analyze and examine the legal view of the position of a wife's spousal consent that is made without the knowledge of the author on the purpose towards consent she made which causes a legal issue. Particularly as the existence of the spousal consent is not properly made resulting in questions regarding the validity of the consent. Author of the consent was only given one section to sign without a complete document being included and no information of the intent and purpose of the spousal consent. As no prenuptial agreement was made during the marriage, so that the property acquired during the marriage become joint asset. As the result, when binding themselves to third parties who have an impact on the assignment/guarantee of shared assets, as a husband must first obtain a spousal consent from his wife and vice versa. When husband of the spousal consent author passes away, it turns out that he has provided a Personal Guarantee by obtaining the spousal consent (that not made properly) for a loan agreement worth millions of US dollars by pledging their joined assets. Based on the above, there comes a need for legal protection by creditor as well as spousal consent author who are aggrieved under the credit agreement. This study is carried out by using legal approach and case approach. / Penelitian ini bertujuan untuk menganalisis dan mengkaji dari pandangan hukum atas kedudukan dari sebuah persetujuan istri (spousal consent) yang dibuat tanpa sepengetahuan dirinya atas tujuan dari persetujuan yang dibuatnya tersebut yang mana menimbulkan suatu permasalahan hukum. Khususnya karena keberadaan dari persetujuan istri (spousal consent) tersebut tidak dibuat secara patut yang mengakibatkan pertanyaan-pertanyaan perihal keabsahan sebuah persetujuan istri (spousal consent). Adapun si pembuat persetujuan hanya diberikan satu lembar bagian tanda tangan untuk dibubuhkan tandatangan saja tanpa disertakan dokumen lengkap dan dijelaskan maksud dan tujuan dari adanya persetujuan istri (spousal consent) tersebut. Oleh karena semasa perkawinannya tidak terikat dalam suatu perjanjian kawin, sehingga harta yang dimiliki selama perkawinannya merupakan harta bersama. Maka akibatnya dalam mengikatkan diri dengan pihak ketiga yang memiliki dampak terhadap pembebanan /penjaminan harta bersama, sebagai suami harus terlebih dahulu memperoleh persetujuan istri (spousal consent) dari istrinya begitu juga sebaliknya. Pada saat suami dari si pembuat persetujuan istri (spousal consent) ini meninggal, diketahui bahwa sang suami telah memberikan Jaminan Perseorangan/Personal Guarantee dengan telah memperoleh persetujuan istri (spousal consent) tersebut atas sebuah perjanjian kredit dengan nilai jutaan dolar Amerika Serikat dengan menjaminkan harta bersamanya. Berdasarkan hal tersebut perlu adanya masing-masing perlindungan hukum bagi pemberi kredit dan juga pihak pembuat persetujuan istri (spousal consent) yang merasa dirugikan sebagaimana dalam perjanjian kredit tersebut. Dalam penelitian ini dilakukan dengan menggunakan pendekatan perundang-undangan dan pendekatan kasus.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Panjaitan, Deborah EvelynUNSPECIFIEDUNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSihombing, JonkerUNSPECIFIEDUNSPECIFIED
Uncontrolled Keywords: banking ; facility agreement ; spousal consent
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Depositing User: Users 15 not found.
Date Deposited: 26 Nov 2019 06:43
Last Modified: 26 Nov 2019 06:43
URI: http://repository.uph.edu/id/eprint/5778

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