Authors:

Kadek Ayu Dwi Ningsih, Dewa Gde Rudy

Abstract:

“Tulisan ini bertujuan untuk mengetahui akibat hukum dan upaya penyelesaian perjanjian kredit yang obyek jaminanya bukan atas nama debitur. Penelitian ini adalah penelitian hukum normatif dengan menggunakan pendekatan undang-undangan. Sifat penelitian dalam penulisan ini adalah analisisi bahan hukum kepustakaan dengan mengkaji literatur berupa jurnal, skripsi, serta buku-buku hukum lainnya sehingga bisa digunakan sebagai dasar dalam menarik kesimpulan permasalahan hukum terkait. Dalam undang-undang Nomor 4 tahun 1996 tentang Hak Tanggungan menjelaskan keterlibatan pihak ketiga dalam memberikan jaminan hak tanggungan yang dimana pengaturannya adalah sama dengan jaminan yang diberikan oleh debitur sendiri. Pemberian kredit oleh bank dilakukan dengan pemberian jaminan oleh pihak debitur sebagai wujud prinsip kehati-hatian. Perjanjian kredit dengan jaminan bukan atas nama debitur dikatakan sah karena tidak melanggar ketentuan hukum serta dalam melakukan perjanjian sudah sesuai dengan syarat sahnya perjanjian dalam Pasal 1320 KUHPerdata. Akibat hukum dalam hal 11 adalah jaminan dapat dieksekusi karena jaminan tersebut sudah mengikat dan berdasarkan kepada UU Hak Tanggungan serta terdapatnya kuasa jaminan oleh pihak ketiga dalam perjanjian kredit tersebut. Penyelesaian sengketa melalui Alternatif Penyelesaian Sengketa merupakan cara untuk mengikat kedudukan jaminan yang tidak bisa dijual sehingga tercapainya win win solution agar salah satu pihak tidak merasa dirugikan. Selain itu terdapat juga upaya penyelesaian secara musyawarah antara kreditur, debitur dan pihak ketiga agar memberikan jaminan secara sukarela untuk pemenuhan kewajiban debitur ketika debitur wanprestasi. Kata Kunci: Perjanjian Kredit, Hak tanggungan, Jaminan milik Pihak Ketiga, Akibat Hukum, Upaya Penyelesaian. ABSTRACT This paper aims to determine the legal consequences and efforts to settle credit agreements that the object of guarantee is not on behalf of the debtor.This paper aims to determine the legal consequences and efforts to settle credit agreements that the object of guarantee is not on behalf of the debtor.This research is a normative legal research using a statutory approach. The nature of the study of the writing is the analysis of the content of literature of literature in journals, scripts, and other legal books and thus can be used asa basis for drawing conclusions on related legal matters. In law number 4 of 1996 on Mortgage Rights describes the involvement of a third party in providing guarantees of mortgage where the arrangement is the same as the guarantee provided by the debtor himself. Lending by banks is carried out by providing guarantees by the debtor as a form of prudential principles. A credit agreement with a guarantee not in the name of the debtor is said to be valid because it does not violate legal provisions and in making the agreement it is in accordance with the valid terms of the agreement in Article 1320 of the Civil Code. The legal consequence in this case is that the guarantee can be executed because the guarantee is binding and based on the Mortgage Law and the presence of a proxy by a third party in the credit agreement. Dispute resolution through Alternative Dispute Resolution is a way to bind a collateral position that cannot be sold so as to achieve a win win solution so that one of the parties does not feel disadvantaged. In addition, there are also deliberative settlement efforts between creditors, debtors and third parties to provide voluntary guarantees for the fulfillment of debtors’ obligations when the debtor defaults. Key Words: Credit Agreement, Mortgage, Guarantee Owned By Third Parties, Due To Law, Settlement Efforts.”

Keywords

Perjanjian Kredit, Hak tanggungan, Jaminan milik Pihak Ketiga, Akibat Hukum, Upaya Penyelesaian. ABSTRACT This paper aims to determine the legal consequences and efforts to settle credit agreements that the object of guarantee is not on behalf of the debtor.This paper aims to determine the legal consequences and efforts to settle credit agreements that the object of guarantee is not on behalf of the debtor.This research is a normative legal research using a statutory approach. The nature of the study of the writing is the analysis of the content of literature of literature in journals, scripts, and other legal books and thus can be used asa basis for drawing conclusions on related legal matters. In law number 4 of 1996 on Mortgage Rights describes the involvement of a third party in providing guarantees of mortgage where the arrangement is the same as the guarantee provided by the debtor himself. Lending by banks is carried out by providing guarantees by the debtor as a form of prudential principles. A credit agreement with a guarantee not in the name of the debtor is said to be valid because it does not violate legal provisions and in making the agreement it is in accordance with the valid terms of the agreement in Article 1320 of the Civil Code. The legal consequence in this case is that the guarantee can be executed because the guarantee is binding and based on the Mortgage Law and the presence of a proxy by a third party in the credit agreement. Dispute resolution through Alternative Dispute Resolution is a way to bind a collateral position that cannot be sold so as to achieve a win win solution so that one of the parties does not feel disadvantaged. In addition, there are also deliberative settlement efforts between creditors, debtors and third parties to provide voluntary guarantees for the fulfillment of debtors’ obligations when the debtor defaults. Key Words: Credit Agreement, Mortgage, Guarantee Owned By Third Parties, Due To Law, Settlement Efforts.

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PDF:

https://jurnal.harianregional.com/kerthawicara/full-73566

Published

2021-09-22

How To Cite

NINGSIH, Kadek Ayu Dwi; RUDY, Dewa Gde. Akibat Hukum Dan Upaya Penyelesaian Sengketa Perjanjian Kredit Yang Obyek Jaminannya Bukan Atas Nama Debitur.Kertha Wicara : Journal Ilmu Hukum, [S.l.], v. 10, n. 9, p. 749-759, sep. 2021. ISSN 2303-0550. Available at: https://jurnal.harianregional.com/kerthawicara/id-73566. Date accessed: 08 Jul. 2024. doi:https://doi.org/10.24843/KW.2021.v10.i09.p08.

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Issue

Vol 10 No 9 (2021)

Section

Articles

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