Kepastian hukum bagi kreditor perbankan dalam melakukan eksekusi terhadap jaminan hak tanggungan

Wahyuning, Adri (2024) Kepastian hukum bagi kreditor perbankan dalam melakukan eksekusi terhadap jaminan hak tanggungan. Masters thesis, Universitas Pelita Harapan.

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Abstract

Dalam praktik bank kerap mengalami kendala pada saat mengajukan permohonan lelang maupun pada saat pelaksanaan lelang. Hal yang sering terjadi adalah bank selalu menghadapi gugatan dari debitor atau pihak ketiga yang tidak ingin agunannya dilelang. Gugatan tersebut didasarkan bahwa bank dalam hal ini melakukan lelang tanpa ada persetujuan terlebih dahulu dari debitor serta didasarkan bank tidak memberikan jangka waktu yang lebih kepada debitur untuk membayar utangnya sehingga hal tersebut dianggap bertentangan dengan perikemanusiaan, padahal dalam Undang-Undang Nomor 4 tahun 1996 tentang Hak Tanggungan telah jelas disebutkan bahwa apabila debitor wanprestasi bank mempunyai hak untuk melakukan penjualan jaminan debitor melalui upaya lelang. Maka permasalahan yang timbul dalam penulisan ini adalah Bagaimana Kepastian Hukum Bagi Bank Sebagai Kreditor Dalam Pelaksanaan Lelang Eksekusi Hak Tanggungan serta Bagaimana Solusi Bagi Bank Dalam Melaksanakan Lelang Eksekusi Hak Tanggungan Berdasarkan Undang – Undang Nomor 4 Tahun 1996 tentang Hak Tanggungan. Metode penelitian yang digunakan dalam penulisan tesis ini adalah metode penelitian yuridis normatif yaitu suatu penelitian yang dilakukan dengan cara mengkaji peraturan perundang-undangan yang berlaku atau yang diaplikasikan pada suatu permasalahan hukum tertentu dan objek penelaahannya didasarkan pada dokumen peraturan perundang-undangan dan bahan Pustaka. Berdasarkan hasil penelitian dapat disimpulkan bahwa Peraturan Perundang- Undangan Tentang Hak Tanggungan masih menimbulkan ketidakpastian Hukum karena antara undang – undang dan peraturan pelaksana untuk melaksanakan lelang tidak saling mengakomodir kepentingan kreditor, sehingga apabila belum dilakukan harmonisasi terhadap undang – undang dan peraturan pelaksanaan tersebut di atas, Solusi yang bisa diambil oleh bank selaku kreditor adalah pengajuan fiat executie ke Pengadilan Negeri sesuai dengan domisili objek jaminan berada. / In practice, banks often face challenges when submitting a request for an auction or during the auction process. One common issue is that banks are frequently confronted with lawsuits from debtors or third parties who do not want their collateral to be auctioned. These lawsuits are based on the argument that the bank conducts the auction without prior consent from the debtor and that the bank did not provide the debtor with an extended period to pay off the debt, which is considered contrary to humanitarian principles. However, the Law No. 4 of 1996 on Mortgage Rights clearly states that if the debtor defaults, the bank has the right to sell the debtor's collateral through an auction. The issue addressed in this writing is: What is the legal certainty for the bank as a creditor in executing the auction of Mortgage Rights, and what solutions can the bank implement when carrying out the auction of Mortgage Rights based on Law No. 4 of 1996 on Mortgage Rights? The research method used in this thesis is a normative juridical approach, which involves studying the applicable laws and regulations related to a specific legal issue. The objects of study are based on legal documents and literature. Based on the research findings, it can be concluded that the legislation concerning Mortgage Rights, from the perspective of the principle of legal validity, still causes legal uncertainty because the laws and implementing regulations for carrying out auctions do not accommodate the interests of creditors. Therefore, unless harmonization between the law and the implementing regulations is achieved, the solution for the bank as a creditor is to submit a fiat executie to the District Court where the collateral is located.
Item Type: Thesis (Masters)
Creators:
Creators
NIM
Email
ORCID
Wahyuning, Adri
NIM01656200142
adriwahyu03@gmail.com
UNSPECIFIED
Contributors:
Contribution
Contributors
NIDN/NIDK
Email
Thesis advisor
Pandamdari, Endang
NIDN0313026002
epandamdari@yahoo.com
Uncontrolled Keywords: kepastian hukum ; lelang ; eksekusi hak tanggungan
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: Adri Wahyuning
Date Deposited: 03 Dec 2024 03:47
Last Modified: 03 Dec 2024 03:47
URI: http://repository.uph.edu/id/eprint/65664

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