Analisa hukum mengenai karakteristik dan penerapan kontrak pembiayaan multiguna dnegan cara fasilitas dana

Puri, Desty Haninditia (2020) Analisa hukum mengenai karakteristik dan penerapan kontrak pembiayaan multiguna dnegan cara fasilitas dana. Masters thesis, Universitas Pelita Harapan.

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Abstract

Penelitian ini disusun dalam rangka mengamati cara baru yang dapat dilakukan oleh Perusahaan Pembiayaan dalam menjalankan kegiatan usahanya yaitu menyalurkan pembiayaan dengan dana tunai secara langsung kepada Debitur tanpa harus disalurkan terlebih dahulu kepada supplier seperti yang telah umum dilakukan oleh Perusahaan Pembiayaan sebelumnya. Penelitian ini diperlukan untuk memberikan gambaran kepada masyarakat dan Notaris (pada khususnya) selaku Pejabat Umum yang berwenang untuk mengkonstatir tindakan hukum para pihak ke dalam suatu Akta Otentik mengenai karakteristik Pembiayaan Multiguna dengan cara Fasilitas Dana dan apakah Kontrak Pembiayaan Multiguna dengan cara Fasilitas Dana seperti contoh yang diterapkan oleh PT Clipan Finance Indonesia Tbk. telah sesuai dengan Peraturan yang berlaku, agar nantinya produk Akta yang dikeluarkan dapat menjadi alat bukti yang sempurna. Oleh karena itu pembahasan rumusan masalah dalam Penulisan ini terbagi menjadi dua yaitu bagaimana karakteristik Pembiayaan Multiguna dengan cara Fasilitas Dana dan bagaimana penerapan kontrak Pembiayaan Multiguna dengan cara Fasilitas Dana. Penelitian ini merupakan penelitian hukum normatif dengan pendekatan Peraturan Perundang-undangan yang berlaku (statue approach). Jenis data yang digunakan adalah data sekunder yang diperoleh dari bahan hukum primer berupa peraturan perundang-undangan seperti Peraturan Otoritas Jasa Keuangan No. 35/POJK.05/2018 tentang Penyelenggaraan Usaha Perusahaan Pembiayaan (“POJK 35/2018”), serta bahan hukum sekunder yang digunakan baik berupa literatur, jurnal ilmiah, internet dan media lain serta contoh draft perjanjian pembiayaan multiguna di PT Clipan Finance Indonesia Tbk yang mendukung penelitian. Hasil penelitian menunjukkan bahwa Pembiayaan Multiguna dengan cara Fasilitas Dana memiliki karakteristik tersendiri yang membedakan dengan pembiayaan lainnya yaitu cara pembiayaan yang dilakukan oleh Perusahaan Pembiayaan dengan pemberian dana tunai secara langsung kepada Debitur, baru diatur pada Tahun 2018 melalui POJK 35/2018. Sebelumnya skema pembiayaan dilakukan dengan cara pembayaran atas pengadaan barang dan/atau jasa dari Perusahaan Pembiayaan kepada supplier. Hal ini dapat diamati dalam contoh Draft Perjanjian Pembiayaan Multiguna Fasilitas Dana PT Clipan Finance Indonesia Tbk (terlampir) yang telah disesuaikan dengan mengakomodir ketentuan isi perjanjian Pembiayaan Multiguna Fasilitas Dana yang diatur dalam POJK 35/2018. / This research was prepared in order to observe a new way that can be done by The Financing Company in carrying out its business activities, namely channeling financing with cash directly to the Debtor without having to be channeled first to the supplier as has been commonly done by The Financing Company before. This research is needed to provide an overview to the public and Notaries (in particular) as general authories who are authorized to confirm the legal actions of the parties into an Authentic Deed regarding the characteristics of Multipurpose Financing by means of the Fund Facility and whether the Multipurpose Financing Contract by means of a Fund Facility implemented by the Fund Facility PT Clipan Finance Indonesia Tbk. in accordance with regulations, so that later the Deeed products issued can become perfect evidence. Therefore the discussion of the formulation of the problem in this research is divided into two namely how the characteristics and the application of contract of Multipurpose Financing with facilities of funds. This research is a normative legal research with a valid statute approach. The type of data used is secondary data obtained from primary legal materials in the form of legislation such as Indonesian Financial Services Authority (OJK) Regulation No. 35 / POJK.05 / 2018 concerning the Implementation of Financing Company Businesses ("POJK 35/2018"), as well as secondary legal materials used in the form of literature, scientific journals, internet and other media as well as examples of draft multipurpose financing contract at PT Clipan Finance Indonesia Tbk which supports research. The results showed that the Multipurpose Financing by means of the Fund Facility has its own characteristics that distinguish it from other financing, namely the method of financing carried out by the Financing Company by providing cash directly to the Debtor, only regulated in 2018 through POJK 35/2018. Previously, the financing scheme was carried out by means of payment for the procurement of goods and / or services from the Financing Company to suppliers. This can be observed from the Draft Agreement of Funding Multipurpose Financing Facility of PT Clipan Finance Indonesia Tbk (attached) which has been adapted to accommodate the provisions of the Agreement on Multipurpose Fund Facility agreement as stipulated in POJK 35/2018.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Puri, Desty HaninditiaNIM01656170138UNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorPandika, RusliNIDN0310075502UNSPECIFIED
Uncontrolled Keywords: contract ; multipurpose financing ; fund facilities
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Depositing User: Desty Hanindita Puri
Date Deposited: 25 Feb 2020 05:10
Last Modified: 28 Jul 2020 15:36
URI: http://repository.uph.edu/id/eprint/7833

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