Arsin Lukman, Fransiscus Xaverius
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Tinjauan Yuridis Terhadap Pengalihan Objek Jaminan Fidusia Tanpa Persetujuan Kreditur Syafiuddin, Muhammad Hafidz; Arsin Lukman, Fransiscus Xaverius
JURNAL USM LAW REVIEW Vol. 5 No. 2 (2022): NOVEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v5i2.4940

Abstract

This study discusses the credit agreement of banking and non-banking financial institutions requiring the existence of a collateral that must be done first in order to be able to make credit. A loan agreement with a fiduciary guarantee is the procedure chosen to adapt to the growth of the business world and the needs of the community. This research explains about the transfer of fiduciary collateral objects without the collector's approval and also about the application of legal protection in the practice of fiduciary engagements to the collectors. The borrower must have good intentions to properly maintain the collateral. About Fiduciary collateral, borrowers are not allowed to exchange, loan or lease to other parties for goods that are used as objects of fiduciary collateral, if the collecting party does not agree. It is legally valid that the fiduciary giver has taken an action that diverts the object of the fiduciary collateral being carried out, if the party receiving the fiduciary does not give written consent. The practice of legal protection for creditors has not yet reached the maximum point, this is because there are still many factors that put emphasis on creditors when they want to execute collateral objects themselves.Penelitian ini membahas mengenai perjanjian kredit lembaga keuangan perbankan maupun non perbankan mewajibkan dengan adanya suatu agunan yang harus dilakukan terlebih dahulu agar dapat melakukan kredit. Perikatan pinjaman dengan agunan fidusia adalah prosedur yang dipilih untuk beradaptasi dengan pertumbuhan dunia usaha serta keperluan masyarakat. Riset ini menjelaskan tentang pengalihan objek agunan fidusia tanpa persetujuan penagih dan juga mengenai penerapan proteksi hukum dalam praktik perikatan fidusia kepada pihak penagih. Peminjam harus memiliki tujuan yang baik untuk menjaga barang agunan dengan baik. Tentang jaminan fidusia peminjam tidak diperbolehkan menukar, mengagunkan maupun mengontrakkan kepada pihak lain terhadap barang yang dijadikan objek agunan fidusia, apabila pihak penagih tidak setuju. Hal tersebut secara sah bahwa pemberi fidusia telah melakukan tindakan yang mengalihkan objek agunan fidusia yang dikerjakan, apabila pihak yang menerima fidusia tidak memberikan persetujuan tertulis. Untuk praktik perlindungan hukum pada kreditur belum mencapai titik maksimal, hal tersebut dikarenakan masih banyak faktor yang menjadikan titik berat kepada kreditur saat ia ingin mengeksekusi sendiri benda jaminan.  
Hak Kreditur Baru Atas Objek Hak Tanggungan Yang Diperoleh Dari Cessie Jika Debitur Wanprestasi Muhammad, Faishal; Arsin Lukman, Fransiscus Xaverius
JISIP: Jurnal Ilmu Sosial dan Pendidikan Vol 7, No 3 (2023): JISIP (Jurnal Ilmu Sosial dan Pendidikan) (Juli)
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/jisip.v7i3.5379

Abstract

Credit agreements between banks as creditors often use land rights as collateral for the credit agreement. Sometimes it is found that the debtor defaults or defaults by not paying bills on time several times due. In some cases for the bank's financial soundness, the bank sells receivables or collection rights to other parties. Selling receivables to other parties is what is called the transfer of receivables or Cessie. By transferring the right to collect from the old creditor to the new creditor, the debtor's obligation to pay off the debt to the new creditor is also transferred. The thing that can be a problem is if there is a default by the debtor. Execution and what rights are the rights of new creditors to protect themselves from losses. Based on these problems, the author examines the discussion of how the New Creditor's Rights Over the Object of Mortgage Obtained from Cessie If the Debtor Defaults and What is the procedure for cessie creditors against third parties as new creditors. The author uses the method of quantitative juridical data analysis, namely as a way to draw conclusions from the collected research results. Juridical, given that this research is based on existing laws and regulations as normative legal norms. Quantitative, more sensitive and able to adapt to many sharpening of shared influence on the patterns of values encountered. Particularly with regard to the position of cessie regulations without the consent and knowledge of the debtor linked to the Civil Code and creditor cessie procedures for third parties as new creditors based on the Civil Code which is guaranteed.