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All Journal Pena Justisia: Media Komunikasi dan Kajian Hukum SUPREMASI Jurnal Hukum
Johan, Valencia Christabel
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Law, Crime, Criminology & Criminal Justice

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Perlindungan Hukum Kreditor Perbankan Terhadap Sertifikat Hak Tanggungan yang Merupakan Hasil Itikad Tidak Baik Debitor (Dalam Pailit) Johan, Valencia Christabel
SUPREMASI : Jurnal Hukum Vol 6 No 1 (2023): SUPREMASI : Jurnal Hukum 2023
Publisher : Universitas Sahid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36441/supremasi.v5i1.1672

Abstract

Perjanjian pinjam meminjam atau sering dikenal dengan kredit merupakan perjanjian yang sering digunakan oleh masyarakat melalui perbankan. Munculnya Pandemi Covid-19 yang memperburuk perekonomian seluruh kalangan memicu banyaknya kredit macet serta kepailitan. Hal ini jelas sangat merugikan Kreditor Perbankan, permasalahan pun akan semakin runyam jika kreditor perbankan debitor tidak dapat membayar hutangnya atau pailit. Kepailitan ini kemudian membuat kreditor terpaksa untuk mengeksekusi objek jaminan. Debitor sering kali tanpa sepengetahuan Kreditor menjaminkan objek jaminan yang ia dapati dari hasil itikad baik. Maka dari itu, penulis tertarik untuk meneliti mengenai perlindungan hukum kreditor perbankan terhadap sertifikat hak tanggungan yang merupakan hasil itikad tidak baik debitor (dalam pailit). Permasalahan yang akan dibahas dalam penelitian ini mengenai bagaimana perlindungan hukum bagi kreditor separatis terhadap jaminan hak tanggungan yang dimiliki oleh debitor (dalam pailit) dari hasil itikad tidak baik? Adapun tujuan penelitian ini yaitu untuk mengetahui perlindungan hukum bagi kreditor separatis terhadap jaminan hak tanggungan yang dimiliki oleh debitor (dalam pailit) dari hasil itikad tidak baik. Metode penelitian berupa metode yuridis normatif. Hasil penelitian ini adalah kreditor seperatis dapat mengeksekusi secara langsung objek jaminan dari Debitor berdasarkan Pasal 55 Undang-Undang Nomor 37 Tahun 2004 tentang Kepailitan dan Penundaan Kewajiban Pembayaran Utang (UU PKPU). Sertifikat hak tanggungan yang didapati oleh Debitor dari itikad tidak baik tersebut bukan lah menjadi masalah bagi Kreditor Perbankan berdasarkan Pasal 55 UU PKPU.  
LEGAL PROTECTION OF THE GUARANTOR ON THE MAKING OF ADDENDUM TO THE CREDIT AGREEMENT WITHOUT THE GUARANTOR'S CONSENT Johan, Valencia Christabel; Sri Widyawati
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 2 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i3.4685

Abstract

The legal relationship between creditors and debtors is based on a credit agreement which can be made in the form of a private deed or notarial deed. A credit agreement is a basic agreement that can be supplemented with an accessory agreement in the form of a guarantee agreement, both material guarantees and individual guarantees. The changes to the credit agreement can be made in the form of an addendum to the credit agreement. Changes to credit agreements without involving the collateral provider can give rise to disputes, as happened in the case of Supreme Court decision Number 3464 K/Pdt/2019, where the Creditor and Debtor entered into a private addendum agreement to the working capital credit agreement without the consent of the third party providing collateral. Making an addendum agreement to a working capital credit agreement without approval and an authentic deed raises some questions. Based on this case, the problem that will be discussed in this research is about the validity of addendums to credit agreements without the guarantor's approval as well as preventive legal protection for parties in making credit and guarantee agreements. This research aims to analyze the validity of credit agreement addendums without guarantor approval and legal protection for making credit agreement addendums without guarantor approval. The research method is a doctrinal research method. Based on this, this paper discusses the legal protection of guarantors for making addendums to credit agreements without the guarantor's approval. The results of this research are that making Addendum 1 (first) and Addendum 2 (second) to the quo credit agreement without the guarantor's approval is a valid agreement and the role of the notary in making authentic deeds and legal counseling is a form of preventive protection in a quo case decisions
Co-Authors Sri Widyawati