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Yalid Yalid
Universitas Lancang Kuning
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Peningkatan Pemahaman Masyakakat di Kecamatan Marpoyan Damai Tentang Pengaturan Eksekusi  Jaminan Fidusia Yalid Yalid; Ardiansah Ardiansah; Rudi Pardede; Sandra Dewi
World Health Digital Journal Vol. 1 No. 4 (2025)
Publisher : Institute of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/wolgitj.v1i4.34

Abstract

Praktik tindakan perampasan objek jaminan fidusia secara paksa, seperti kendaraan bermotor sebagai wujud penerapan Pasal 15 Undang-Undang No. 42 Tahun 1999 tentang Jaminan Fidusia melalui oleh debt collector merupakan perbuatan melawan hukum. Dasar penarikan objek jaminan fidusia harus ada cidera janji yang telah disepakati para pihak, tidak bisa secara sepihak untuk menghindari kesewenang-wenangan. Tim pengabdian melihat situasi di  Kecamatan Marpoyan Damai banyak juga memanfaatkan pembiayaan dari pihak leasing (kreditur) untuk membeli kendaraan  atau untuk mendapat uang/modal. Tim pengabdi mengamati banyak masyarakat pada lokasi ini tidak memahami eksekusi jaminan fidusia, sehingga terkesan pasrah dan takut ketika menghadapi pihak debt collector yang diutus pihak penerima fidusia. Padahal tindakan merampas jaminan fidusia merupakan perbuatan melawan hukum sebagaimana telah disinggung.   Metode menyelesaikan masalah mitra dilakukan dengan cara ceramah dan tanya jawab. Berdasarkan hasil kegiatan ini para mitra sudah merasakan manfaatnya, yaitu mendapatkan tambahan ilmu dan pemahaman tentang pengaturan eksekusi jaminan fidusia. Hal tersebut disimpulkan oleh tim pengabdian masyarakat setelah membandingkan hasil pre-test dan post-test dengan mengajukan pertanyaan (kuesioner). Sebaiknya kegiatan ini dapat dilanjutkan dengan konsultasi dan bimbingan terhadap mitra. Kemudian  kegiatan seperti ini layak untuk dilaksanakan pada  khalayak sasaran lainnya karena masyarakat banyak menggunakan pendanaan dengan memanfaatkan pengaturan fidusia dan sudah pasti akan menghadapi risiko eksekusi jaminan fidusia bilamana kesulitan menyelesaikan kewajibannya terhadap penerima fidusia.
Digital Asset Insolvency in the Blockchain Era: A Framework for Bankruptcy Law Yalid Yalid; Yeni Triana; Irawan Harahap; Riantika Pratiwi; Emir Adzan Syazali
Journal of Law and Social Politics Vol. 4 No. 4 (2026): Journal of Law and Social Politics
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jlsp.v4i4.173

Abstract

Background: Blockchain-based assets increasingly operate as investment and commercial property, yet their decentralized architecture, pseudonymous control, volatility, and cross-border transferability challenge conventional bankruptcy mechanisms. Objective: This study examines how digital assets may be treated under insolvency law, identifies legal and operational obstacles to their administration, and develops a Digital Asset Insolvency Framework for Indonesia. Methods: Using normative legal research, the study combines statutory, conceptual, comparative, and case approaches. Indonesia is assessed against developments in the United Kingdom, Singapore, and the United States across property status, disclosure, control, valuation, liquidation, distribution, and institutional capacity. Results: Digital assets may be recognized as property and included in a bankruptcy estate where applicable legal doctrine supports their economic value, transferability, identifiability, and effective control. The analysis nevertheless identifies persistent gaps in wallet disclosure, private-key access, ownership verification, valuation timing, liquidation security, and cross-border recovery. The study's novelty lies in an integrated five-pillar framework linking disclosure-based transparency, access-based control, adaptive valuation, secure liquidation and distribution, and institutional capacity. This framework translates comparative legal developments into operational guidance for Indonesian insolvency governance. Conclusion: A technology-responsive insolvency regime should combine legal recognition with enforceable access, valuation, liquidation, and institutional mechanisms so that digital assets can be administered transparently while protecting creditor equality and asset value.
Co-Authors Ardiansah Birman Simamora Busrianto, Busrianto Emir Adzan Syazali Harahap, Irawan Hasnati, Hasnati Irawan Harahap ratiwi, Riantika P Rezmia Febrina Riantika Pratiwi Rudi Pardede Sandra Dewi Yetti