Kajian hukum tentang jaminan perorangan terhadap pemberian kredit perbankan (studi kasus)

Silaban, Kevin (2019) Kajian hukum tentang jaminan perorangan terhadap pemberian kredit perbankan (studi kasus). Masters thesis, Universitas Pelita Harapan.

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Abstract

On this thesis, the author discusses in regards to and on how is the implementation of personal guarantee in terms of providing banking credit. Facility Agreement are one of the most important aspects on providing credit. As for the granting of the credit, then the bank always asks for guarantees to the debtor for the purposes to provide certainty to get a repayment over their debt. As for the guarantees provided are usually not only material guarantees, but banks can also ask for personal guarantee or corporate guarantee. On this thesis, the author discusses the efforts of creditors which on this case is the banks in resolving bad debt to get a repayment from the debtor by executing the personal guarantee given by the third party to the creditor. On this thesis the author also raises one of the cases relating to execution of personal guarantee to discuss and to analyze the verdict of the commercial court at central jakarta district court No. 17/Pailit/2012/PN.Niaga.Jkt.Pst jo. Supreme Court verdict No. 419 K/Pdt.Sus/2012 whether they are in compliance with prevailing laws. The research method is normative legal research through literatures study by using secondary data. The result of this research conclude that in practice there are obstacle found in the execution of personal guarantee that makes everything difficult for the creditors (i.e banks) to execute personal guarantee to recover the debtor’s debt and thus the execution of property owned by the guarantor of a personal guarantee can not be done by the creditors. There are various reasons and manuvers carried out by the guarantor solely to avoid of fulfilling debtor’s obligation against creditors. Thus, the granting of a personal guarantee is only be considered as a "moral obligation" that depends on the goodwill of the guarantor. / Dalam tesis ini, penulis membahas mengenai bagaimana secara hukum pelaksanaan jaminan perorangan dalam hal pemberian kredit perbankan. Perjanjian kredit merupakan salah satu aspek yang sangat penting dalam pemberian kredit. Adapun dalam pemberian kredit tersebut, tentu bank selalu meminta jaminan kepada debitornya yang bertujuan agar memberikan kepastian terhadap pengembalian atas utangnya. Adapun jaminan yang diberikan biasanya tidak hanya jaminan kebendaan, melainkan bank dapat meminta pula untuk diberikan jaminan perorangan atau perusahaan. Pada tesis ini, penulis membahas upaya dari kreditor yang dalam hal ini perbankan dalam menyelesaikan kredit macet untuk mendapatkan pengembalian atas utang debitor utamanya untu melakukan eksekusi jaminan perorangan yang diberikan oleh pihak ketiga kepada kreditor. Dalam tesis ini penulis juga mengangkat salah satu kasus berkaitan dengan pelaksanaan eksekusi atas jaminan perorangan untuk membahas serta menganalisis Putusan Pengadilan Niaga pada Pengadilan Negeri Jakarta Pusat No. 17/Pailit/2012/PN.Niaga.Jkt.Pst jo. Putusan Mahkamah Agung No. 419 K/Pdt.Sus/2012 apakah sudah tepat secara hukum. Metode penelitian yang digunakan adalah dengan melakukan pendekatan yuridis normatif melalui studi kepustakaan dengan menggunakan data sekunder. Hasil penelitian ini menyimpulkan bahwa dalam prakteknya eksekusi terhadap jaminan perorangan masih ditemukan adanya kendala-kendala yang menyulitkan kreditor yang dalam hal ini bank untuk melakukan eksekusi atas jaminan pribadi yang diberikan untuk mendapatkan kembali pengembalian atas utang debitornya sehingga eksekusi atas kekayaan /aset milik penjamin pribadi tidak dapat dilakukan. Beragam macam alasan akan dilakukan oleh penjamin semata-mata agar dapat terhindar dari kewajibannya untuk menyelesaikan utang debitor terhadap kreditor. Dengan demikian, pemberian personal guarantee ini adalah hanya sebagai “moral obligation” saja yang bergantung kepada itikad baik dari penjaminnya.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Silaban, KevinUNSPECIFIEDUNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSihombing, JonkerUNSPECIFIEDUNSPECIFIED
Uncontrolled Keywords: Personal guarantee ; Credit allowance
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 06:44
Last Modified: 26 Nov 2019 06:44
URI: http://repository.uph.edu/id/eprint/5780

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