Peran notaris dalam penyaluran kredit modal kerja oleh bank abc dengan jaminan fidusia

Fitri, Edi (2018) Peran notaris dalam penyaluran kredit modal kerja oleh bank abc dengan jaminan fidusia. Masters thesis, Universitas Pelita Harapan.

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Abstract

Bank accepts engines, vehicles, stocks and claims which secured under fiduciary deed by a Notary. A collateral is expected so when a non-performing loan defaulted, the sale can pay off the debts, whether principal debt, interests, fines, and any other obligations. A research is needed to understand capital loan allocation with fiduciary assurance, Notary’s role in fiduciary security, and how the Notary provides certainty to the Bank so the collateral may be executed. The method of research used in this thesis is normative method or literature-based research which review the Laws from secondary data which sourced from primary, secondary, tertiary law material, and an interview with Bank ABC’s interviewee and a Notary. Using the statute approach, data is analyzed qualitatively, concluded deductively based on common facts, concluding specifically to be recommended afterwards. Based on the research, the Bank is already allocating loans by law and Notary is also securing fiduciary assurance perfectly. The problem usually happens when a collateral is difficult to execute when a non-performing loan defaulted, therefore the Bank will take damages caused by the lost, damaged, sale under collateral or lawsuits from Debtor caused by an unexpectedly low price of sale. / Bank juga menerima jaminan mesin, kendaraan, persediaan dan piutang yang diikat dengan akta jaminan fidusia oleh notaris. Adanya jaminan diharapkan kredit dilunasi tepat waktu, meskipun kredit macet penjualannya dapat melunasi hutang pokok, bunga, denda dan kewajiban lainnya. Untuk melihat penyaluran kredit modal kerja dengan jaminan fidusia diperlukan penelitian agar mengetahui proses penyalurannya, peran notaris dalam pembebanan jaminan dan bagaimana notaris memberikan kepastian kepada bank agar jaminan dapat dieksekusi. Metode yang digunakan adalah penelitian hukum normatif atau penelitian perpustakaan yang mengkaji perundang-undangan dari data sekunder yang bersumber dari bahan hukum primer, sekunder, tertier ditambah wawancara dengan narasumber Bank ABC dan Notaris. Menggunakan pendekatan perundang-undangan, data dianalisa secara kualitatif, ditarik kesimpulan secara deduktif berdasarkan fakta yang umum, mengambil kesimpulan bersifat khusus selanjutnya diberikan saran. Berdasarkan penelitian, bank sudah menyalurkan kredit sesuai perundangundangan dan notaris juga sudah mengikat jaminan dengan sempurna. Permasalahan biasanya terjadi saat kredit macet, jaminan sulit dieksekusi sehingga bank menanggung kerugian akibat tidak berhasil melakukan penjualan karena hilang, rusak, penjualan dibawah penjaminan atau ada gugatan dari debitur karena penjualan dibawah harga yang diharapkan.

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