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All Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan
Khoiriah Pane, Melyda
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Arts Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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KEKUATAN EKSEKUTORIAL SURAT PENGAKUAN UTANG DIBAWAH TANGAN DALAM PINJAM MEMINJAM UANG DENGAN JAMINAN HAK ATAS TANAH: STUDI PUTUSAN NOMOR: 2661 K/PDT./2022 Khoiriah Pane, Melyda; Siregar, Mahmul; Mulhadi, Mulhadi
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 4 No. 9 (2025)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v4i9.3289

Abstract

This study aims to analyze the validity and executorial power of debt acknowledgment letters made privately (non-notarial) in money lending agreements with land rights as collateral, using the Supreme Court Decision No. 2661 K/Pdt/2022 as a case study. Privately made debt acknowledgment letters are often used due to their simplicity, yet they pose legal issues when the debtor defaults and collateral execution is needed. The research employs a normative juridical method with statutory and case approaches. It is based on legal certainty theory, legal protection theory, and justice theory. The findings show that privately made debt acknowledgment letters do not have direct executorial power without notarial authentication or formal registration of collateral rights. Nevertheless, such letters can still serve as admissible evidence in breach of contract lawsuits. The Supreme Court's decision in this case highlights the importance of legal protection and certainty in private law agreements. The study recommends using notarial deeds for debt acknowledgment to ensure executorial strength and legal safeguards for the parties involved.
Co-Authors MAHMUL SIREGAR Mulhadi, Mulhadi