Ronald, Ronald (2019) Pendaftaran jaminan fidusia berdasarkan kuasa di dalam akta jaminan fidusia yang telah jatuh tempo. Masters thesis, Universitas Pelita Harapan.
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Abstract
Collateral given as a security for a loan received by debtor and given by creditor,
whose method of binding is by using a fiduciary means, is of no less important
than any other collaterals whose method of bindings are aside of fiduciary means.
To guarantee that the collateral binding is made perfectly and as a result gives
preferences to the creditor over the collateral and also gives certainty of law
regarding it to every parties, the government had issued numerous regulations in
order to support that cause. Being found in practice that the binding of a collateral
object in which the binding is by using fiduciary means are not properly being
conducted in accordance of the regulations, in other word are not being submitted
for its registrations, makes it interesting to be conducted a research upon. The
issue that’s going to be studied here is how is the status of fiduciary collateral
whose registrations was based on fiduciary deed that’s made by using the power
of attorney written within the fiduciary deed that is already expired and how’s the
executions upon fiduciary collateral whose registrations was made based on
fiduciary deed where the parties signing it were the Bank as the attorney of
Fiduciary Assignee and the bank as the Fiduciary Assignee.
This research adopted normative approach. The collection of data was made using
statute approach. The creditors do not immediately register the fiduciary object
with the sole purpose to help the clients to minimize the credit fees.
From this research, can be concluded that the status of fiduciary collateral as a
means credit of security, in which the registrations of collateral of fiduciary object
as a credit means of security with a fiduciary deed made by using the power of
attorney written within the fiduciary deed that is already expired, still gives rights
of preferences to creditors whose name is written as the fiduciary acceptor and
also effectively valid to the third parties. Because all the provisions for a
registrations has been fulfilled and fiduciary certificate has been issued are signs
that fiduciary collateral has come into being. Due to the executions of collaterals,
as long as the conditions for a binding of has been met, such as the existence of
credit agreement, fiduciary deed made before a notary, breach of a contract by the
debtor and the availability of the fiduciary object by terms of that the object is still
exist, not lost or vanished, then there could be no reasons of denial by the third
party, claiming that the executions of fiduciary object cannot be commenced. / Pemberian jaminan berupa kebendaan yang pengikatan agunannya dilakukan
secara fidusia untuk menjamin suatu pinjaman yang diterima oleh debitur dari
kreditur tidak kalah pentingnya dengan pemberian jaminan kebendaan lainnya
yang pengikatan agunannya diluar fidusia. Untuk menjamin pengikatan agunan
tersebut terlaksana sempurna serta memberikan hak preferensi kepada kreditur
sehingga memberikan kepastian hukum bagi semua pihak, pemerintah telah
mengeluarkan berbagai peraturan demi menunjang kepastian hukum tersebut.
Ditemukannya dalam praktek bahwa pengikatan objek jaminan secara fidusia
tidak selalu dilakukan dengan sempurna dalam arti tidak segera didaftarkan
menjadi menarik untuk diteliti. Permasalahan yang hendak dikaji disini adalah
bagaimanakah status Jaminan Fidusia yang pendaftarannya berdasarkan akta
Jaminan Fidusia yang dibuat berdasarkan kuasa yang tercantum di dalam akta
Jaminan Fidusia yang telah jatuh tempo dan bagaimanakah eksekusinya terhadap
Jaminan Fidusia yang pendaftarannya berdasarkan akta Jaminan Fidusia dimana
para pihak yang bertandatangan di dalamnya adalah bank selaku kuasa dari
Pemberi Fidusia dan bank selaku Penerima Fidusia.
Penelitian ini penulis menggunakan metode penelitian hukum normatif.
Pengumpulan data dilakukan dengan menggunakan pendekatan perundangundangan. Kreditur tidak segera melakukan pendaftaran jaminan fidusia demi
membantu nasabah meringankan biaya kredit.
Dari hasil penelitian tersebut, dapat disimpulkan bahwa status Jaminan Fidusia
sebagai jaminan kredit yang pendaftarannya berdasarkan akta Jaminan Fidusia
yang dibuat berdasarkan kuasa yang tercantum di dalam akta Jaminan Fidusia
yang telah jatuh tempo, tetaplah memberikan hak preferensi kepada kreditur yang
namanya tercantum sebagai penerima fidusia serta berlaku efektif terhadap pihak
ketiga. Dasarnya adalah karena semua persyaratan pendaftarannya telah terpenuhi
serta telah terbit sertifikat sebagai bukti lahirnya Jaminan Fidusia. Sedangkan
tekait mengenai eksekusi jaminannya menurut penulis selama semua persyaratan
pengikatan fidusia telah terpenuhi seperti, adanya perjanjian pokok, pembuatan
akta jaminan fidusia secara notaril, adanya wanprestasi dari debitur dan adanya
objek Jaminan Fidusia dalam arti tidak hilang/ musnah, maka tidak ada alasan dari
pihak ketiga yang mengatakan eksekusi terhadap objek Jaminan Fidusia tidak
dapat dilakukan.
Item Type: | Thesis (Masters) |
---|---|
Creators: | Creators NIM Email ORCID Ronald, Ronald NIM00000028877 UNSPECIFIED UNSPECIFIED |
Contributors: | Contribution Contributors NIDN/NIDK Email Thesis advisor Silalahi, Udin NIDN0320095801 UNSPECIFIED |
Additional Information: | T 56-16 RON p |
Uncontrolled Keywords: | Registration ; Expired Fiduciary Deed ; Execution |
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: | Users 15 not found. |
Date Deposited: | 10 Jul 2019 06:24 |
Last Modified: | 06 Nov 2021 07:10 |
URI: | http://repository.uph.edu/id/eprint/3998 |