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Robert
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Journal : Indonesian Journal of Humanities and Social Sciences

 1 
Perlindungan Hukum bagi Debitur dalam Kasus Likuidasi Bank: Studi atas Status Sertifikat Hak Milik sebagai Agunan Winda Asry; Mhd. Yamin; Edy Ikhsan; Robert
JOM Vol 5 No 4 (2024): Indonesian Journal of Humanities and Social Sciences, Desember 2024
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/ijhass.v5i4.6547

Abstract

Bank liquidation has significant legal implications, particularly for debtors, such as developers, who use certificates of ownership on land as collateral for loans. Law Number 4 of 2023 on the Development and Strengthening of the Financial Sector regulates bank liquidation through asset liquidation and debt collection processes, which impact the legal standing of debtors, especially concerning the transfer or sale of pledged assets. This study examines the legal status of certificates of ownership used as collateral in banks undergoing liquidation and evaluates the legal protection available to certificate owners. Additionally, it analyzes judicial considerations in protecting developers' rights in cases involving bank liquidation. This research adopts a normative legal approach, utilizing library research techniques for data collection and qualitative descriptive analysis for data interpretation. The findings reveal that developers, as debtors, remain legally obligated to repay debts even if the bank holding the collateral undergoes liquidation. However, legal uncertainties arise regarding the status of certificates of ownership used as collateral, as such assets may be sold through auctions despite the developer's expectation of loan settlement. Consequently, ensuring legal protection for developers is crucial to safeguard their rights, prevent unauthorized transfers or seizures of collateral, and promote transparency in the liquidation process overseen by the Indonesian Deposit Insurance Corporation (LPS). The study highlights the need for clear legal frameworks to balance creditor and debtor rights, ensuring fairness and legal certainty during bank liquidation.
Co-Authors Ahmad, Muhammad Taufik Habibillah Ibnu Bondan, Vinsensius Burhan Sidabariba CHRISTOFEL L. G. H. M SAMOSIR Christopher Gustikho david Edy Ikhsan Effendy, Dudy Eka Prasetia Hati Baculu Eva Syahfitri Nasution, Eva Syahfitri Geby Gosal Heryanto Jan Christian Zherman Saragih, George Johanes Terang Kita Perangin - Angin Joiverdia Arifiyanto Juvian Khowira, Mario Lubis, Tri Murti Magfira Malik MAHMUL SIREGAR Mahmul Siregar Manurung, Doni Freddi Mhd. Yamin Michelle Lucky Madelene. S Mochtar Indra Efendi Siregar Muh Anzar Muhammad Adli Fahmi Lubis Nasution, Siti Nurahmi Nur Iftita Rini Nur Safitri Obaja Capandi Saut Horas Sinaga Octara Pribadi Patricia, Verent Purba, Hadyan Yunhas Purba, M. Hadyan Yunhas Rosnidar Sembiring Saludin Muis Sarpawi Siallagan, Agnes Angelina Siti Dzahra Sri Hera Wati Sukarja, Detania Sunarmi Syahrial Akbar Tanjung, Muhamamd Dafi William Widjaja Wilson Winda Asry Wong, Leon Yohanes Ari Setiawan