Wijaya, Angelia (2025) Perlindungan hukum bagi pemilik jaminan terhadap perjanjian pengikatan jual beli sebagai dasar perjanjian utang piutang. Masters thesis, Universitas Pelita Harapan.
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Abstract
Tesis ini mengkaji kedudukan Perjanjian Pengikatan Jual Beli (PPJB) sebagai dasar dalam perjanjian utang piutang serta bentuk perlindungan hukum terhadap pemilik jaminan dalam hubungan hukum tersebut. Permasalahan utama berangkat dari perbedaan mendasar antara PPJB dan perjanjian utang piutang, baik dari segi fungsi, tujuan, maupun karakteristik hukumnya, sehingga keduanya tidak dapat saling menggantikan atau dijadikan dasar satu sama lain. Penggunaan PPJB sebagai dasar perjanjian utang piutang dinilai tidak memenuhi ketentuan Pasal 1320 Kitab Undang-Undang Hukum Perdata, khususnya unsur kesepakatan yang tercemar oleh kekhilafan, penipuan, atau paksaan. Penelitian ini menggunakan pendekatan yuridis normatif empiris dengan menelaah ketentuan peraturan perundang-undangan serta tanggung jawab notaris dalam pembuatan akta otentik pada suatu putusan pengadilan. Perlindungan hukum terhadap pemilik jaminan diwujudkan melalui mekanisme gugatan perdata guna membatalkan PPJB yang cacat hukum, serta pelaporan kepada Majelis Pengawas Daerah (MPD) sebagai bentuk pertanggungjawaban etik terhadap notaris yang diduga lalai atau tidak menjalankan kewajibannya secara profesional. Temuan penelitian menegaskan pentingnya kehati-hatian dalam penyusunan PPJB yang berkaitan dengan utang piutang, serta menggarisbawahi peran strategis notaris dalam menjamin keabsahan dan kepastian hukum suatu perjanjian. Oleh karena itu, tesis ini merekomendasikan penguatan sistem pengawasan terhadap praktik kenotariatan dan peningkatan literasi hukum bagi para pihak yang terlibat dalam transaksi yang berkaitan dengan hak atas tanah guna mewujudkan perlindungan hukum yang adil dan proporsional. / This thesis examines the legal standing of the Sale and Purchase Agreement (Perjanjian Pengikatan Jual Beli or PPJB) as the basis of a loan agreement, as well as the legal protection afforded to the guarantor in such legal relationships. The main issue arises from the fundamental differences between PPJB and loan agreements in terms of function, purpose, and legal characteristics, rendering them incompatible for substitution or as legal foundations for one another. The use of PPJB as the basis for a loan agreement is considered inconsistent with the provisions of Article 1320 of the Indonesian Civil Code, particularly the element of mutual consent, which may be compromised by mistake, fraud, or coercion. This research adopts a normative-empirical legal approach by examining statutory regulations and the notary’s responsibility in drafting authentic deeds, as reflected in relevant court decisions. Legal protection for the guarantor may be pursued through civil litigation to annul a defective PPJB, and by reporting the notary to the Regional Notary Supervisory Council (Majelis Pengawas Daerah/MPD) as a form of ethical accountability for potential negligence or failure to carry out professional duties. The findings underscore the importance of caution in drafting PPJBs used in loan agreements and highlight the strategic role of notaries in ensuring the validity and legal certainty of agreements. Accordingly, this thesis recommends strengthening oversight of notarial practices and improving legal literacy among parties involved in land-related transactions to achieve fair and proportional legal protection.
Item Type: | Thesis (Masters) |
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Creators: | Creators NIM Email ORCID Wijaya, Angelia NIM01656230079 angeliawijayaa@gmail.com UNSPECIFIED |
Contributors: | Contribution Contributors NIDN/NIDK Email Thesis advisor Sari, Vincensia Esti Purnama NIDN0318087801 UNSPECIFIED |
Uncontrolled Keywords: | perjanjian engikatan jual beli ; pembatalan perjanjian ; syarat sah ; perjanjian ; perlindungan hukum ; jaminan hak atas tanah ; notaris ; pasal 1320 KUHPerdata ; perjanjian utang piutang |
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: | Angelia Wijaya |
Date Deposited: | 30 Jun 2025 09:18 |
Last Modified: | 30 Jun 2025 09:18 |
URI: | http://repository.uph.edu/id/eprint/68983 |