Tinjauan yuridis terhadap objek jaminan fidusia yang menjadi sitaan pengadilan (studi kasus putusan no.315/pdt/2015/pt.mdn)

Rosevine, Michell (2019) Tinjauan yuridis terhadap objek jaminan fidusia yang menjadi sitaan pengadilan (studi kasus putusan no.315/pdt/2015/pt.mdn). Masters thesis, Universitas Pelita Harapan.

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Abstract

The Fiduciary Assurance Institution allows Fiduciary Givers to control the collateral, to carry out business activities financed by loans using Fiduciary Assurance. In the event of a breach of contract (default), the execution of a fiduciary guarantee can be carried out, which is the last step taken by the creditor. The fact in the field is that there are still default cases in the form of transfer of fiduciary objects, especially guarantees in the form of motorized vehicles, even the object of fiduciary collateral is used for criminal acts so that it is confiscated by the state, as in the case of Decision No. 315/PDT/2015/PT.MDN. This research is a normative juridical research. The data in this study uses secondary data, namely: data that is already in form, such as data in documents and publications obtained from the library. The approach method is carried out using normative and empirical legal methods. The data of this study were analyzed using qualitative juridical methods. The results showed that the regulation regarding fiduciary guarantees in the event of a breach of contract as stipulated in Law Number 42 of 1999, namely Article 29 that if the debtor or Fiduciary is liable to default (execution), the execution of objects that are objects of Fiduciary Assurance can be carried out : executorial title, sale through public auction, sale under the hand, and Article 15 paragraph (2) that the fiduciary guarantee certificate has the executive power that is the same as the court decision that has obtained permanent legal force. In the case of Decision No. 315/PDT/2015/PT.MDN, the decision of the Panel of Judges of the Medan High Court is not in accordance with the applicable legislation namely Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia Article 20, Article 24, Article 15 paragraph (2) and Article 29 paragraph (1) letter a. / Lembaga Jaminan Fidusia memungkinkan kepada para Pemberi Fidusia untuk menguasai benda yang dijaminkan, untuk melakukan kegiatan usaha yang dibiayai dari pinjaman dengan menggunakan Jaminan Fidusia. Apabila terjadi cidera janji (wanprestasi) maka dapat dilakukan eksekusi jaminan fidusia yang merupakan langkah terakhir yang dilakukan kreditur. Faktanya, masih terdapat kasus wanprestasi berupa pengalihan objek jaminan fidusia terutama jaminan yang berupa kendaraan bermotor, bahkan objek jaminan fidusia tersebut digunakan untuk tindak pidana sehingga disita oleh negara, sebagaimana kasus pada Putusan No. 315/PDT/2015/PT.MDN. Metode penelitian yang digunakan adalah yuridis normatif. Data dalam penelitian ini menggunakan data sekunder, yaitu : data yang sudah dalam bentuk jadi, seperti data dalam dokumen dan publikasi yang diperoleh dari perpustakaan. Metode pendekatan dilakukan menggunakan metode hukum normatif dan empiris. Data penelitian ini dianalisis menggunakan metode yuridis kualitatif. Hasil penelitian menunjukkan bahwa pengaturan mengenai jaminan fidusia apabila terjadi cidera janji sebagaimana diatur dalam Pasal 29 Undang-Undang Nomor 42 Tahun 1999, bahwa apabila debitor atau Pemberi Fidusia wanprestasi, eksekusi terhadap benda yang menjadi objek Jaminan Fidusia dapat dilakukan dengan cara : titel eksekutorial, penjualan melalui pelelangan umum, penjualan di bawah tangan, serta Pasal 15 ayat (2) bahwa Sertifikat Jaminan fidusia mempunyai kekuatan eksekutorial yang sama dengan putusan pengadilan yang telah memperoleh kekuatan hukum tetap. Dalam kasus Putusan No. 315/PDT/2015/PT.MDN, putusan Majelis Hakim Pengadilan Tinggi Medan tidak sesuai dengan perundang-undangan yang berlaku yakni UndangUndang Nomor 42 Tahun 1999 tentang Jaminan Fidusia Pasal 20, Pasal 24, Pasal 15 ayat (2) dan Pasal 29 ayat (1) huruf a.

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