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All Journal Eduvest - Journal of Universal Studies Almufi Jurnal Sosial dan Humaniora
Pandiangan, Murni Ardina
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Religion Aerospace Engineering Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Health Professions Neuroscience Social Sciences

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Analisis Yuridis Perlindungan Hukum Terhadap Bank Selaku Kreditur Separatis Dalam Pelaksanaan Eksekusi Hak Tanggungan (Studi Kasus Putusan Pengadilan Negeri Semarang Nomor 03/Pdt.Sus-Gll/2017/Pn. Niaga Smg) Pandiangan, Murni Ardina; Widarto, Joko; Kantikha, I Made; Judge , Zulfikar; Elawati, Tuti
Almufi Jurnal Sosial dan Humaniora Vol 2 No 2: Juli 2025
Publisher : Yayasan Almubarak Fil Ilmi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63821/ash.v2i2.486

Abstract

Pelaksanaan eksekusi hak tanggungan oleh bank sebagai kreditur separatis kerap menghadapi hambatan, terutama ketika debitur mengalami pailit atau wanprestasi. Meskipun hak tanggungan memberikan kedudukan istimewa melalui hak mendahului, praktiknya sering terkendala oleh perlawanan dari debitur atau pihak ketiga. Masalah tersebut tampak dalam Putusan Pengadilan Negeri Semarang Nomor 03/Pdt.Sus-GLL/2017/PN. Niaga Smg, di mana proses eksekusi tidak berjalan efektif. Penelitian ini bertujuan menganalisis hambatan dan solusi bagi bank dalam pelaksanaan eksekusi hak tanggungan, serta bentuk perlindungan hukum yang diberikan kepada kreditur separatis. Penelitian ini menggunakan metode yuridis normatif. Hasil penelitian menunjukkan bahwa hambatan pelaksanaan eksekusi hak tanggungan akibat adanya gugatan terjadi ketika debitur atau pihak ketiga mengajukan perlawanan atau derden verzet terhadap rencana eksekusi. Gugatan ini menunda proses lelang, serta membebani bank dengan biaya perkara tambahan. Dalam Putusan PN Semarang No.03/Pdt.Sus-GLL/2017/PN.Niaga Smg, eksekusi tertunda karena klaim kepemilikan dari pihak ketiga atas objek jaminan, sehingga hak mendahului kreditur separatis tidak dapat segera direalisasikan. Kesimpulannya, akibat adanya gugatan dari debitur maupun pihak ketiga menyebabkan tertundanya lelang, menurunnya kepastian hukum, dan berkurangnya efektivitas hak mendahului kreditur separatis, sehingga perlindungan hukum yang diberikan oleh UU Hak Tanggungan belum sepenuhnya terwujud. Sarannya adalah penyederhanaan prosedur eksekusi, peningkatan koordinasi antara pengadilan, kurator, dan kreditur, serta penguatan penerapan asas kepastian hukum untuk menjamin terpenuhinya hak kreditur separatis.
The Impact of Operational Efficiency and Risk Management on Good Corporate Governance and its Implications on Company Profitability as a Moderating Variable at BPR Artatama Sejahtera, South Jakarta Pandiangan, Murni Ardina; Taufiqurrochman, Cecep; Herisman, Tatang S
Eduvest - Journal of Universal Studies Vol. 6 No. 2 (2026): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v6i2.52883

Abstract

This research aims to analyze the effect of operational efficiency and risk management on Good Corporate Governance (GCG), as well as the effect of GCG on corporate profitability at BPR Artatama Sejahtera, South Jakarta. This study employs a quantitative method with an associative approach and utilizes path analysis to examine direct, indirect, and simultaneous relationships among the research variables. The data were collected through questionnaires distributed to 25 respondents consisting of employees and management of BPR Artatama Sejahtera, South Jakarta. Data analysis was conducted using statistical tests, including partial effect tests, simultaneous effect tests, and moderation tests. The results indicate that operational efficiency has a positive and significant effect on Good Corporate Governance. Risk management also has a positive and significant effect on GCG. Furthermore, Good Corporate Governance is proven to have a positive effect on corporate profitability. Profitability acts as a moderating variable that strengthens the relationship between operational efficiency and Good Corporate Governance, as well as the relationship between risk management and Good Corporate Governance.
Co-Authors Cecep Taufiqurrochman Elawati, Tuti Herisman, Tatang S Judge , Zulfikar Kantikha, I Made