Perlindungan hukum bagi kreditur pada perjanjian jaminan fidusia studi kasus putusan mahkamah konstitusi no.18/puu-xvii/2019 = legal protection for creditors in the fidusia warranty agreement of the case study on constitution court number 18 / puu-xvii / 2019

Putra, Damba (2020) Perlindungan hukum bagi kreditur pada perjanjian jaminan fidusia studi kasus putusan mahkamah konstitusi no.18/puu-xvii/2019 = legal protection for creditors in the fidusia warranty agreement of the case study on constitution court number 18 / puu-xvii / 2019. Masters thesis, Universitas Pelita Harapan.

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Abstract

Pembangunan ekonomi sebagai bagian dari pembangunan nasional merupakan salah satu upaya untuk mencapai masyarakat yang adil dan makmur berdasarkan Pancasila dan Undang-undang Dasar Negara Republik Indonesia Tahun 1945. Salah satu lembaga pembiayaan yang juga berfungsi menyalurkan kredit kendaraan bermotor baik roda dua atau roda empat adalah pembiayaan konsumen. Adanya kendala dalam praktik penerapan perjanjian fidusia harus memberikan perlindungan hukum apabila pihak kreditur dirugikan ketika pihak debitur melakukan wanprestasi sulit untuk pelaksanaan eksekusi barang jaminan fidusia. Permasalahan dalam penelitian ini adalah akibat hukumnya apabila sutau akta jaminan fidusia tidak didaftarkan ke Kantor Pendaftaran Fidusia dan perlindungan hukum bagi kreditur pada perjanjian jaminan fidusia yang tidak didatfarkan berdasarkan putusan Mahkamah Konstitusi No. 18/PUU-XVII/2019. Penelitian ini menggunakan metode yuridis normatif yang menggunakan bahan hukum berupa undang-undang, buku-buku yang terkait serta jurnal-jurnal hukum yang relevan. Hasil dari penelitian ini bahwa akibat hukum jaminan fidusia yang tidak didaftarkan, debitur dapat mengalihkan objek fidusia yang dilakukan dibawah tangan kepada pihak lain, dalam hal ini debitur juga tidak dapat dijerat dengan UU Nomor 42 Tahun 1999, karena akta perjanjian di bawah tangan tidak sah menurut UU dimaksud. Putusan MK Nomor 18/PUU-XVII/2019 juga menjelaskan bahwa kedudukan hukum pihak kreditur maupun pihak debitur berada di porsi yang sama dan eksekusi Sertifikat Jaminan Fidusia harus dilakukan dan berlaku sama dengan pelaksanaan eksekusi putusan pengadilan yang telah berkekuatan hukum tetap. Sehingga, untuk kedepannya Jaminan Fidusia agar didaftarkan untuk perlindungan dan kesetaraan hak antara kreditur dan debitur, dan memastikan eksekusi bisa berjalan dengan cepat, sederhana dan berbiaya ringan. / Economic development as part of national development is one of the efforts to achieve a just and prosperous society based on Pancasila and the 1945 Constitution of the Republic of Indonesia. One of the financial institutions that also functions to channel motorized vehicle loans, whether two-wheeled or four-wheeled, is financing consumer. Constraints in the practice of implementing fiduciary agreements must provide legal protection if the creditor is disadvantaged when the debtor performs a difficult default for the execution of fiduciary collateral execution. The problem in this study is the legal consequences if a fiduciary deed is not registered with the Fiduciary Registration Office and legal protection for creditors in a fiduciary guarantee agreement that is not registered based on the decision of the Constitutional Court No. 18 / PUU-XVII / 2019. This research uses a normative juridical method that uses legal materials in the form of laws, related books and relevant legal journals. The results of this study are that due to unregistered fiduciary guarantee laws, debtors can transfer fiduciary objects conducted under the hand to other parties, in this case the debtor also cannot be charged under Law Number 42 Year 1999, because the deed under the agreement is not valid according to The law referred to. MK Decision Number 18 / PUU-XVII / 2019 also explained that the legal position of both the creditor and the debtor is in the same portion and the execution of the Fiduciary Guarantee Certificate must be carried out and be the same as the execution of the court decision which has permanent legal force. Therefore, in the future the Fiduciary Guarantee must be registered for the protection and equality of rights between creditors and debtors, and to ensure that the execution can proceed quickly, simply and at a low cost

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