Kepastian hukum usaha jasa gadai swasta di Indonesia

Mandagi, Anasthasya Saartje (2013) Kepastian hukum usaha jasa gadai swasta di Indonesia. Masters thesis, Universitas Pelita Harapan.

	Text (Title.pdf) 1. SAMPUL.pdf Restricted to Repository staff only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (192kB)
Preview	Text (Abstract.pdf) 2. ABSTRAK.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (201kB) | Preview
Preview	Text (Chapter1.pdf) 4. BAB I.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (250kB) | Preview
	Text (Chapter2.pdf) 5. BAB II.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (424kB)
	Text (Chapter3.pdf) 6. BAB III.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (203kB)
	Text (Chapter4.pdf) 7. BAB IV.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (131kB)
Preview	Text (Bibliography.pdf) 3. DAFTAR BACAAN.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (188kB) | Preview
	Text (Appendices.pdf) 8. LAMPIRAN.pdf Restricted to Repository staff only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (27kB)

Abstract

Usaha jasa gadai merupakan usaha pinjam – meminjam berdasarkan hukum gadai. Hak gadai timbul karena adanya perjanjian gadai dan levering atas benda bergerak yang merupakan obyek gadai. Kreditor/penerima gadai berkedudukan sebagai pandbezit yang tidak memiliki kuasa untuk mengalihkan kecuali melakukan eksekusi obyek gadai ketika debitor/pemberi gadai melakukan wanprestasi. Lembaga resmi yang memperoleh ijin pemerintah untuk melakukan usaha jasa gadai adalah PT. Pegadaian (PERSERO) dengan diundangkannya UU No. 19/2003 tentang BUMN, UU No. 40/2007 tentang Perseroan Terbatas, dan PP No. 51/2011 tentang Peralihan Bentuk Perum Pegadaian Menjadi Persero. Sementara itu, pada prakteknya banyak usaha jasa gadai swasta yang mulai menjamur di beberapa kota besar di Indonesia dengan bentuk badan usaha yang beragam. Penelitian ini bertujuan untuk mengetahui dasar hukum penyelenggaraan usaha jasa gadai swasta di Indonesia dan upaya hukum yang dapat dilakukan debitor/pemberi gadai atas eksekusi obyek gadai di luar mekanisme. Metode penelitian yang digunakan adalah yuridis normative yakni upaya mencari penyelesaian masalah dengan meneliti dan mengkaji norma hukum positif dengan melakukan studi kepustakaan. Hasil penelitian menunjukkan bahwa usaha jasa gadai swasta belum memiliki dasar hukum yang pasti untuk penyelenggaraan usahanya, tata cara gadai yang dilakukan hanya berdasarkan prinsip gadai pada Pasal 1150 sampai Pasal 1160 KUH Perdata. Belum terdapat peraturan perundang – undangan khusus yang mengatur tentang penyelenggaraan usaha jasa gadai swasta. Sementara itu, debitor/pemberi gadai dapat melakukan gugatan wanprestasi sekaligus perbuatan melawan hukum atas kreditor/penerima gadai yang melakukan eksekusi obyek gadai di luar mekanisme yang ditentukan. Upaya ini sejalan dengan sifat gadai droit de suite yang memberikan perlindungan kepada pemegang hak kebendaan, ke tangan siapapun kebendaan yang dimiliki dengan hak kebendaan tersebut beralih, pemilik dengan hak kebendaan tersebut berhak menuntutnya kembali, dengan atau tanpa disertai ganti rugi. Pemerintah hendaknya membuat peraturan tentang usaha jasa gadai swasta di Indonesia mengingat usaha ini sudah banyak berkembang. / Pawn Business is a business of lending and borrowing based on pawn law. Pawn authorization occurs because of the pawn contract and property levering which is the object of pawn from the debtor to creditor. Creditor/pandmener as pandbezit who does not have the power to transfer the property to other parties except when they have executed the pawn object by the time debtor could not pay his debt (wanprestatie). There is only one official institution that obtain government’s permits to run the pawn business, it is PT. Pegadaian (PERSERO) with the enactment of UU No. 19/2003 Tentang BUMN, UU No. 40/2007 tentang Perseroan Terbatas, and PP No. 51/2011 tentang Peralihan Bentuk Perum Pegadaian Menjadi Persero. Meanwhile, in real situation there are already number of private pawn business that began to rapidly developing in several big cities in Indonesia with their various forms of business entities. This researched is aimed to determine the legal basis for the implementation of private pawn business in Indonesia, and also legal action that can be done by debtor regarding execution of the pawn object outside the mechanism. This research method that used is normative juridical as efforts to find the solution of the problem by researching and reviewing the positive law norms by conducting library research. The result showed that the private pawn business do not have a definite legal basis for the implementation of their business, because the procedure of pawn is performed only by pawn principles of Chapter 1150 up to Chapter 1160 KUH Perdata. There are no laws or particular government’s regulation that regulate or organize regarding the performance of private pawn business. Meanwhile, debtor can prosecute regarding the infringement of the contract as well as the performance against the law by creditors who has executed the pawn object outside the specified mechanism. This effort is accord with the characteristic of pawn which is droit de suite that provides protection to the holders of property rights which means into the hands whoever have the possession of property with the property rights itself also transferred, the owner property rights has the right to demand it back, with or without compensation. The government should make regulation about private pawn business in Indonesia because this business has already been rapidly developing throughout this country.

Actions (login required)

View Item