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All Journal Jurnal Ilmiah Pendidikan Pancasila dan Kewarganegaraan International Journal of Business, Law, and Education International Journal of Business, Economics, and Social Development IBLAM Law Review International Journal of Islamic Education, Research and Multiculturalism (IJIERM)
Susilo, Hariyanto
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Urgency of Notification to the Owners of Collateral Goods in the Sale of Receivables Accompanied by Credit Transfer by Cession wijaya, Sevi Puri; Djumikasih; Susilo, Hariyanto
International Journal of Business, Economics, and Social Development Vol. 6 No. 4 (2025): International Journal of Business, Economics, and Social Development (IJBESD)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i4.1096

Abstract

Banking plays a vital role in society, especially with increasingly accessible credit facilities. Loans or credit must include collateral in the form of a mortgage, which must be fully surrendered to the creditor. However, a common problem in credit provision is bad debt or the inability of the debtor to fulfill their obligations. One solution adopted by the bank is the transfer of receivables (cession). In the transfer of receivables, several obligations must be fulfilled by the creditor, namely notification and the preparation of a deed of cession to the debtor and the collateral owner regarding the transfer of rights, as stipulated in the Civil Code. The purpose of this study is to analyze the meaning of notification to the collateral owner and the debtor, or approval in the sale of receivables accompanied by the transfer of credit through cession, and to analyze the legal protection for the collateral owner or the sale of receivables accompanied by the transfer of credit. This legal research is a normative legal research, the types and sources of data used are primary data, namely statutory provisions, and secondary legal materials, namely books, journals, and interviews collected by the author. Notification and approval of the collateral owner is the most important factor in the transfer of a cession and if it is not implemented, it will make the cession have no legal impact on the debtor or even be null and void by law.
Co-Authors Abdul Rachmad Budiono Amelia Sri Kusuma Dewi, Amelia Sri Kusuma Ansella Rambu Mosa, Ansella Rambu Aprilia, Innike Ilena Aqmadea Eshafia, Shella Dewi Mahayanthi, Yosy Djumikasih Hamidah , Siti Herlindah Kurniawan, Elvaretha Natalia Lovita Gamelia Kimbal M. Hamidi Masykur, M. Hamidi Octaviani, Irva Putra, I Gusti Ngurah Bayu Pratama Salshabila, Annisa Sayoko, Wahyu Rekso Tunggul Ansari Setia Negara wijaya, Sevi Puri Yenny Eta Widyanti