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Reka Dewantara
Faculty Of Law Universitas Brawijaya
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Journal : Jurnal Ilmu Kenotariatan

 1 
Legal Reformulation of the Transfer of Rights To Guaranteed Objects Through Foreseen Collateral Yuniar, Lisa Mega; Dewantara, Reka; Jauharoh, Arini
Jurnal Ilmu Kenotariatan Vol. 6 No. 2: Nov 2025
Publisher : Faculty of Law, University of Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/jik.v6i2.53696

Abstract

Foreclosed Assets is one of the mechanisms used by banks in settling non-performing loans without having to go through lengthy and complicated auction procedures. Although the Foreclosed Assets mechanism has been regulated under Article 12A of Law No. 4 of 2023 on Development and Strengthening of the Financial Sector, in practice—particularly in the context of bankruptcy—there remains legal uncertainty. This is due to inconsistent regulations between the Mortgage Law, the Banking Law, and Supreme Court Circular No. 3 of 2023. This research aims to analyze the Foreclosed Assets mechanism juridically within the context of bankruptcy and to formulate a reformulation of legal arrangements concerning the transfer of rights over collateral objects through the Foreclosed Assets mechanism to ensure legal certainty. This study employs a normative juridical method using statute and conceptual approaches. The results of this study show that the implementation of Foreclosed Assets, both through auction and outside auction, has different legal consequences. Foreclosed Assets conducted through auction has a sufficiently strong legal basis, while Foreclosed Assets conducted outside auction—which generally uses Sale and Purchase Agreement and Power of Attorney to Sell—still presents legal uncertainty. This is due to the absence of technical regulations specifically governing the procedures and forms of documents in the implementation of Foreclosed Assets outside auction. Furthermore, the use of PPJB as the legal basis for the transfer of rights in Foreclosed Assets practice has the potential to conflict with the pactum commissorium principle as regulated in the Mortgage Law. This reformulation is essential to clarify the legal position of banks over acquired collateral as well as to uniformly regulate valid legal document formats in the Foreclosed Assets mechanism, thereby providing legal certainty for banks, debtors, notaries, receivers, and other related parties.
Co-Authors Abdul Rachmad Budiono Agatha, Bimarceline Airin Liemanto Amimakmur, Satria Amiputra Anestu Cahayoni Rahayu, Anestu Cahayoni Annisa, Yusifa Nur Ayu, Tirsa Berliana, Dina Budi Santoso Devi Atikawati Diah Aju Isnuwardhani Dien Nufitasari Dien Nufitasari Djajadikerta, Hadrian Geri Dyah Aju Wisnuwardhani Erma Defiana Putriyanti Fadli, Moh. Fahrul Ramadan Faizin Sulistio Fines Fatimah Hanif Nur Widhiyanti Hutahayan, Benny Ikaningtyas Ikaningtyas Jauharoh, Arini M. Sudirman Mahandhani Wahyu Ibrahim Meidiana Indah Lestari Mohamad Fajri Mekka Putra Muhammad Alfan Thoriq Muhammad Fajaruddin Shiroth Mukhamad Khabib Risvian Mutiarawati, Intan Nadya Rizki Emeralda Nanin Koeswidi Astuti, Nanin Koeswidi Nugroho, Hayyu Rahmanda Adi Nurfitriyani Nurfitriyani Nurul Ula Ulya Nurul Ula Ulya Pandansari, Rekyan Putri, Cyndiarnis Cahyaning Rachmat, Sigit Nur Ranitya Ganindha raodiah Rekyan Pandansari Rika Kurniaty Rumi Suwardiyati Santoso, Ike Cyntia Putri Septianes Nora Kartika Setiawan Wicaksono, Setiawan Sihabuddin Sihabudin Sihabudin Sihabudin Sihabudin Sihabudin Sihabudin, Sihabudin Siti Hamidah Sitorus, Hany Ayunda Mernisi Sukarmi Sukarmi Sukarmi Sukarmi Sukarmi Sukarmi, Sukarmi Sukarmi, Sukarmi Syafi’i, R. Imam Rahmat Tanti Rachmawati Tobing, Dwinoven Lumban Tumanggor, Manumpan S. Widhiawati, Dyah Yenny Eta Widyanti Yuniar, Lisa Mega Zora Febriena Dwithia Hidayat Putri