Kepastian hukum parate executie dalam eksekusi jaminan fidusia oleh perusahaan pembiayaan pasca putusan MK NO. 71/PUU-XIX/2021

Puspitaningrum, Veronika Dyah (2024) Kepastian hukum parate executie dalam eksekusi jaminan fidusia oleh perusahaan pembiayaan pasca putusan MK NO. 71/PUU-XIX/2021. Masters thesis, Universitas Pelita Harapan.

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Abstract

This research aims to analyze the regulatory framework and legal certainty regarding the implementation of parate executie in fiduciary guarantee execution following the Constitutional Court Decision No. 71/PUUXIX/ 2021. The research employs a normative juridical method, focusing on the legal provisions related to parate executie under the Fiduciary Guarantee Act and their implications for creditors and debtors. The findings indicate that Decision No. 71/PUU-XIX/2021 has significantly impacted the implementation of parate executie, particularly concerning the requirements for the acknowledgment of default (wanprestasi) by the debtor and the voluntary handover of collateral. These requirements present substantial challenges for creditors, especially in terms of execution efficiency and effectiveness. The court-supervised execution process requires considerable time and financial resources, and it heavily depends on the debtor’s good faith. Additionally, divergent interpretations regarding the "agreement on default" have led to inconsistencies in the application of the law across different judicial levels. In conclusion, while the Constitutional Court’s decision aims to enhance debtor protection, it has introduced legal uncertainty for creditors and negatively affected the fiduciary guarantee execution process. Regulatory revisions, public education, and improved judicial efficiency are necessary to achieve a balance between the interests of creditors and debtors. / Penelitian ini bertujuan untuk menganalisis pengaturan dan kepastian hukum terkait pelaksanaan parate executie jaminan fidusia pasca Putusan Mahkamah Konstitusi (MK) No. 71/PUU-XIX/2021. Penelitian ini menggunakan metode yuridis normatif dengan fokus pada implementasi ketentuan hukum terkait parate executie dalam Undang-Undang Jaminan Fidusia dan dampaknya terhadap kepastian hukum bagi kreditur dan debitur. Hasil penelitian menunjukkan bahwa Putusan MK No. 71/PUU-XIX/2021 berdampak signifikan terhadap pelaksanaan parate executie, khususnya terkait persyaratan pengakuan wanprestasi oleh debitur dan penyerahan jaminan secara sukarela. Persyaratan ini menimbulkan tantangan besar bagi kreditur, terutama dalam hal efektivitas dan efisiensi eksekusi. Proses eksekusi melalui pengadilan memerlukan waktu yang lama, biaya yang tinggi, dan sangat bergantung pada itikad baik debitur. Selain itu, terdapat perbedaan interpretasi terkait "kesepakatan tentang cidera janji," yang memengaruhi konsistensi pelaksanaan hukum di berbagai tingkat peradilan. Kesimpulannya, meskipun Putusan MK bertujuan untuk memberikan perlindungan lebih bagi debitur, ketentuan ini menimbulkan ketidakpastian hukum bagi kreditur dan berdampak negatif terhadap proses eksekusi jaminan fidusia. Oleh karena itu, diperlukan revisi regulasi, edukasi kepada masyarakat, dan peningkatan efisiensi proses pengadilan untuk mencapai keseimbangan kepentingan antara kreditur dan debitur.
Item Type: Thesis (Masters)
Creators:
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ORCID
Puspitaningrum, Veronika Dyah
NIM01659230051
UNSPECIFIED
UNSPECIFIED
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Sihombing, Jonker
NIDN8838820016
UNSPECIFIED
Uncontrolled Keywords: kepastian hukum ; parate executie ; jaminan fidusia
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Depositing User: Phillips Iman Heri Wahyudi
Date Deposited: 22 Mar 2025 03:28
Last Modified: 22 Mar 2025 03:28
URI: http://repository.uph.edu/id/eprint/67910

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