Analisa aspek perlindungan hukum atas hak kreditor konkuren terhadap tidak dilaksanakannya perjanjian perdamaian oleh debitor (studi kasus koperasi Simpan Pinjam JM Kota Semarang)

Purba, Anandita Zefanya (2023) Analisa aspek perlindungan hukum atas hak kreditor konkuren terhadap tidak dilaksanakannya perjanjian perdamaian oleh debitor (studi kasus koperasi Simpan Pinjam JM Kota Semarang). Bachelor thesis, Universitas Pelita Harapan.

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Abstract

Penelitian ini membahas mengenai analisa aspek perlindungan hukum atas hak kreditor konkuren terhadap tidak dilaksanakannya perjanjian perdamaian oleh debitor, adapun permasalahan yang terjadi debitor dalam hal ini tidak bisa memenuhi isi dari perjanjian perdamaian. Kasus ini bermula dari Koperasi Simpan Pinjam JM yang menarik nasabahnya dengan suku bunga 10 (sepuluh) sampai dengan 15 (lima belas) persen per tahunnya. Hal tersebut merupakan sistem simpanan berjangka. Namun ternyata dari sistem ini justru para nasabah mendapatkan kerugian bukan keuntungan karena Koperasi Simpan Pinjam JM gagal membayar kembali simpanan beserta dengan bunganya milik para nasabah. Jenis tipe penelitian yang digunakan yaitu Yuridis-Normatif. Pendekatan penelitian ini menggunakan pendekatan Statutes Approach, Conceptual Approach, Case Approach. Kesimpulan dari penelitian ini adalah bentuk-bentuk perlindungan hukum kepada nasabah yang memiliki kedudukan sebagai kreditor konkuren dalam proses kepailitan antara lain : pencocokan (verifikasi) piutang, pemberian penundaan kewajiban pembayaran utang, adanya rapat kreditor, perdamaian. Sedangkan bentuk perlindungan hukum kreditor konkuren dalam kondisi debitor tidak melaksanakan isi perjanjian adalah, sita umum, actio pauliana, serta gijzeling./ This research discusses the analysis of aspects of legal protection for the rights of concurrent creditors regarding non-implementation of the peace agreement by the debtor, as for the problems that occur in this case the debtor is unable to fulfill the contents of the peace agreement. This case started with the JM Savings and Loans Cooperative which attracted its customers with an interest rate of 10 (ten) to 15 (fifteen) percent per year. This is a term savings system. However, it turns out that from this system the customers actually suffered losses rather than profits because the JM Savings and Loans Cooperative failed to pay back the customers' deposits along with interest. The type of research used is Juridical-Normative. This research approach uses the Statutes Approach, Conceptual Approach, Case Approach. The conclusion of this research is that forms of legal protection for customers who have a position as concurrent creditors in the bankruptcy process include: matching (verification) of receivables, granting postponement of debt payment obligations, holding creditor meetings, peace. Meanwhile, the forms of legal protection for concurrent creditors in the condition that the debtor does not carry out the contents of the agreement are general confiscation, actio pauliana, and gijzeling.

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