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All Journal JURNAL HUKUM Yustisia LAW REVIEW Diponegoro Law Review Pembaharuan Hukum DE LEGA LATA: Jurnal Ilmu Hukum Historis : Jurnal Kajian, Penelitian dan Pengembangan Pendidikan Sejarah JCES (Journal of Character Education Society) Waskita: Jurnal Pendidikan Nilai dan Pembangunan Karakter Jurnal Review Pendidikan dan Pengajaran (JRPP) Pena Justisia: Media Komunikasi dan Kajian Hukum Jurnal Belo Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Pengabdian kepada Masyarakat Bima Abdi: Jurnal Pengabdian Masyarakat Journal of Social Research Journal Of Human And Education (JAHE) Jurnal Terapan Pemerintahan Minangkabau JIPRO : Journal Of Intellectual Property Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP) Jurnal Lemhannas RI Jurnal Smart Hukum (JSH) Jurnal Multidisiplin West Science Journal of Digital Law and Policy Jurnal Pengabdian West Science Riwayat: Educational Journal of History and Humanities
Wartoyo, Franciscus Xaverius
Universitas Pelita Harapan
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Legal Analysis of the Rights and Obligations of Financial Institutions Regarding the Loss of Customers' Property Rights Certificates as a Result of Natural Disasters Eliezer, Ribka; Wartoyo, Franciscus Xaverius
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 22 No. 1 (2023): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

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Abstract

The loss of a customer's Certificate of Ownership (SHM) while it is in the possession of a financial institution as collateral for a loan is a legal issue that has implications for the rights, obligations, and civil liability of the financial institution. This study aims to analyze the legal regulations related to the obligations of financial institutions in storing and securing SHM based on the Banking Law, the Mortgage Law, and civil law provisions governing the relationship between creditors and debtors. In addition, this study examines the legal responsibility of financial institutions if the SHM is lost due to a natural disaster that meets the criteria of force majeure based on Articles 1244 and 1245 of the Civil Code. The method used is normative legal research with a regulatory, legal concept, and doctrinal analysis approach. The results of the study show that financial institutions are required to apply the principle of prudence in the storage of collateral documents, and if the loss occurs due to a natural disaster that is proven to be force majeure, financial institutions can be exempted from liability for compensation. However, financial institutions remain obliged to carry out administrative recovery, including assisting in the process of issuing replacement certificates and ensuring that customers' legal protection remains guaranteed. This study emphasizes the need for stricter document security standards to prevent the risk of loss due to disasters in the future.
Co-Authors AH. Asari Taufiqurrohman Arafat, Muhammad Rusli Batubara, Aznina Lembayung Benyamin Tungga Benyamin Tungga bin Mohd Rusli, Mohd Hazmi Christian, Reinhart Devi Rakhmatika Dewi Dewi Eliezer, Ribka Evy Harjono Harjono, Evy Harlingan, David Hwa, Lee Yong Jaya, Belardo Prasetya Mega Jayanti, Meivina Kennedy, Alexander Kusuma, Bambang Priyatna Maghribi, Genta Malik, Imam Ibnu Mulyani, Rita Mustopa, Hadi Nugiantari, Ayu Rosita Prasetyo, Teguh Sander, Metty Sari, Lintang Lasmita Surya, William Hartato Teguh Prasetyo Triwijanarko, Dinda Yuni Priskila Ginting