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All Journal Pagaruyuang Law Journal PENA LAW: International Journal of Law
Hamler, Hamler
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Law, Crime, Criminology & Criminal Justice Social Sciences

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CESSIE'S JURIDICAL ANALYSIS IN SETTING HOME OWNERSHIP NON-PERFORMANCE LOANS AS A BANK GUARANTEE VIEWED FROM LEGAL POLITICAL ASPECT Yulfasni, Yulfasni; Hamler, Hamler
PENA LAW: International Journal of Law Vol. 2 No. 1 (2024): May
Publisher : Yayasan Pusat Cendekiawan Intelektual Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56107/penalaw.v2i1.91

Abstract

Politics of banking law (banking law) as the activity of choosing and the method to be used to achieve a particular goal and law, or a legal policy to be applied or carried out includes the consistent implementation of existing legal provisions, the process of updating and making law, which leads to a critical attitude towards law with an ius constitutum dimension and creates a law with an ius constituendum dimension, and the importance of affirming the function of institutions and the development of law enforcers. The problems are 1. How is the cessie in resolving bad loans on housing ownership as bank guarantees from a political and legal perspective? 2. What is the legal power of the auction as a result of creditor guarantee cessie seen from the legal political aspect? and provide answers to these problems. The method used is a type of normative legal research (doctrinaire) with data used secondary data, in the form of primary, secondary and tertiary legal materials. With the conclusion that in the settlement of bad credit, one method can be used with cessie, namely the transfer of rights over intangible goods receivables on behalf of third parties, carried out by selling receivables on behalf of an authentic deed or private deed. And in providing legal protection to cessionaris, they can use retro cessie, which is a means for cessionists whose receivables are not paid by cessus to sue the cedent to ask for the money back.
CESSION AND LEGAL EFFECTS ON THE DEBTOR'S SECURITY OBJECTS IN SETTLEMENT BAD CREDIT (Case study of Pekanbaru District Court Decision No. 129/Pdt.G/2016/PN.Pbr) Hamler, Hamler; pasaribu, Yusuf hanafi; Darodjat, Tubagus Achmad; Akkapin, Supaphorn
PENA LAW: International Journal of Law Vol. 3 No. 1 (2025): May
Publisher : Yayasan Pusat Cendekiawan Intelektual Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56107/penalaw.v2i1.165

Abstract

One way to resolve bad credit is carried out by banks by buying and selling receivables and transferring rights to them (cession). Based on District Court decision No.129/Pdt.G/2016/PN.Pbr, this is by means of a lawsuit by assignees who had purchased receivables from PT Bank Tabungan Negara (Persero) Tbk which had bad credit. Redirection receivables stated in 2 (two) Notarial Deeds, namely the Receivables Sale and Purchase Agreement and Transfer cessie. In announcing the verdict stated that the Pekanbaru District Court permitted the transfer of the Land Ownership Certificate which was used as collateral for the debtor above no assignees). The problem formulation is: 1. Can the sale and purchase of receivables and the transfer of rights to receivables (cessie) provide legal certainty for cessie buyers?  2. What are the legal consequences for the debtor's guarantee based on the decision of the Pekanbaru District Court Number 129/Pdt.G/2016/PN.Pbr? And study This aims to know and understand and provide answers to the problem formulation the. The type of research in this research is included in normative (doctrinal) legal research, namely research on legal aspects, legal principles, studying law which is conceptualized as norms or rules that apply in society and analyzing legal rules contained in legislation and also contained in unwritten legal norms that live and develop in society and the type of data used is secondary data sourced from materials law primer, material law secondary and materials law tertiary. From study This can be concluded that buying and selling receivables and transfer cession  does not result in the end of the credit agreement made assignor with emergence This is a transfer and delivery of receivables from assignor to assignees and transfer of collateral emergence  must be based on a decision through a lawsuit at the local District Court. And in this case there is no buying and selling of receivables and transfers cession is legal and does not violate the provisions of the legal terms of the agreement, in the consideration of the panel of judges that the collateral is owned emergence If the right of liability is not installed, then the item is guaranteed emergence can be used as debt repayment by changing the name to assignees, This also does not violate property stipulation what is meant by Article 1154 of the Civil Code.
Perlindungan Hukum Terhadap Penerima Cessie (Cesionaris) dalam Penyelesaian Kredit Macet Rumah Bersubsidi Yulfasni, Yulfasni; Hamler, Hamler
Pagaruyuang Law Journal Volume 6 Nomor 2, Januari 2023
Publisher : Universitas Muhammadiyah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31869/plj.v0i0.4064

Abstract

Cessie merupakan salah satu cara yang dapat dipakai oleh Bank dalam penyelesaian kredit macet terhadap Kredit Pemilikan Rumah (KPR) bersubsidi yang tidak dipasang Hak Tanggungan. Konsep Cessie dalam penyelesaian utang piutang diatur dalam Buku III Kitab Undang-Undang Hukum Perdata, merupakan pengalihan hak atas kebendaan bergerak tak berwujud (intangible goods) yang secara normative diatur Pasal 613, disebutkan bahwa penyerahan akan piutang-piutang atas nama dan kebendaan tak bertubuh lainnya, dilakukan dengan jalan membuat sebuah akta otentik atau akta di bawah tangan, dengan mana hak-hak atas kebendaan itu dilimpahkan kepada orang lain. Metode penelitian yang digunakan dalam artikel ini adalah metode penelitian yuridis normative dengan memakai data sekunder. Tujuan penelitian adalah penerapan Cessie untuk mengatasi kesulitan Bank dalam rangaka penyelesai kredit macet KPR bersubsi. Oleh karena itu, tindak lanjut dari pengadopsian prinsip konsep Cessie adalah memberikan perlindungan hukum terhadap penerima Cessie. Dalam mengatasi penyelesain kredit macet yang biasanya memerlu waktu yang lama, memerlukan biaya yang besar sehingga dengan penggunaan cessie dapat lebih efesian, biaya rendah dan terjaganya kesetabilan bagi perbankan.
Co-Authors Akkapin, Supaphorn Darodjat, Tubagus Achmad Pasaribu, Yusuf Hanafi Yulfasni, Yulfasni