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All Journal BINAMULIA HUKUM Krisna Law: Jurnal Mahasiswa Fakultas Hukum Universitas Krisnadwipayana Justice Voice Binamulia Hukum
Asmaniar Asmaniar
Universitas Krisnadwipayana
Humanities Law, Crime, Criminology & Criminal Justice

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Journal : Justice Voice

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Pendaftaran Objek Fidusia Sebagai Jaminan Utang Asmaniar, Asmaniar; Sitorus, Fiter Jonson
Justice Voice Vol. 1 No. 1 (2022): Justice Voice
Publisher : Program Doktor Ilmu Hukum, Universitas Krisnadwipayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (209.063 KB) | DOI: 10.37893/jv.v1i1.32

Abstract

Saat ini banyak lembaga pembiayaan (finance) dan bank (bank umum maupun perkreditan) menyelenggarakan pembiayaan bagi konsumen (consumer finance), sewa guna usaha (leasing), anjak piutang (factoring). Mereka umumnya menggunakan tata cara perjanjian yang mengikutkan adanya jaminan fidusia bagi objek benda jaminan fidusia, namun kenyataannya masih adanya perjanjian dibuat di bawah tangan dengan kata lain tidak didaftarkannya objek jaminan fidusia pada Kantor Pendaftaran Fidusia. Oleh karena itu, penelitian ini untuk mengetahui pendaftaran objek fidusia sebagai jaminan utang dan perlindungan hukum terhadap debitur. Penelitian ini dianalisis menggunakan pendekatan yuridis normatif yang diteliti dari bahan pustaka dan menginterpretasikan hal-hal yang bersifat teoritis yang menyangkut konsepsi, asas, norma hukum dan doktrin yang berkaitan dengan objek fidusia sebagai penjamin utang yang menjadi pokok permasalahan. Hasilnya pihak (debitur) tidak mengabaikan hak dan tanggung jawabnya sebagai debitur. Karena disaat debitur dengan sengaja maupun karena keadaan terbukti lalai atau cedera janji maka perlindungan hukum terhadap debitur lemah atau tidak mempunyai kekuatan hukum.
Breach of Contract in Credit Agreements Secured by Land Rights at PT BPR Gajah Mungkur Apriyani, Nada Karima; Asmaniar, Asmaniar; Mutiarany, Mutiarany
Justice Voice Vol. 3 No. 2 (2024): Justice Voice
Publisher : Program Doktor Ilmu Hukum, Universitas Krisnadwipayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37893/jv.v3i2.1124

Abstract

This study examines defaults in credit agreements secured by land collateral at PT BPR Gajah Mungkur, with particular emphasis on legal protection mechanisms available to creditors when debtors fail to meet their obligations. Although credit agreements are supported by a strong legal framework, incomplete registration of mortgage rights can undermine the creditor’s legal standing. The objective of this research is to address gaps in existing studies concerning creditor protection in mortgage enforcement and to analyze the implications of the Supreme Court Decision No. 469 K/Pdt/2024 on the practice of credit agreements in Indonesia. A normative juridical approach was employed, utilizing data sources such as court decisions, statutory regulations, and pertinent legal literature on credit agreements. The findings indicate that incomplete or delayed registration of mortgage rights significantly impedes creditors’ ability to execute collateral. The case study of PT BPR Gajah Mungkur demonstrates that, despite the formal validity of credit agreements, failure to register as a preferred creditor adversely affects the creditor’s right to debt repayment. This research contributes to legal theory by reinforcing the critical role of mortgage registration in enhancing creditor protection. Practically, it offers valuable insights for legal practitioners, emphasizing the necessity of properly completing the mortgage registration process to safeguard creditor interests in cases of debtor default.
Co-Authors Apriyani, Nada Karima Bintang Putra Achmad Farida Azzahra Hendra Haryanto Megawati Chris Debora Marsela Mendrofa Muhammad Fajri Muttaqin Murendah Tjahyani Mutiarany Retno Kus Setyowati Sitorus, Fiter Jonson Vidi Romeo M. Hutapea Yessy Kusumadewi