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All Journal MLJ Merdeka Law Journal Kultura: Jurnal Ilmu Sosial dan Humaniora
Juliman
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Humanities Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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TINJAUAN YURIDIS PENYELESAIAN WANPRESTASI KREDIT PERBANKAN DALAM KONDISI RESESI EKONOMI DIMASA PANDEMI COVID – 19 Juliman; Samuji
Kultura: Jurnal Ilmu Hukum, Sosial, dan Humaniora Vol. 2 No. 2 (2024): Kultura: Jurnal Ilmu Hukum, Sosial, dan Humaniora
Publisher : Kultura: Jurnal Ilmu Hukum, Sosial, dan Humaniora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/kultura.v2i2.954

Abstract

Banyak langkah yang dapat dilakukan agar debitur dapat mengatasi masalah kreditnya. Bila akan ditempuh melalui jalur hukum kreditur dapat mengajukan wanprestasi atau kepailitan melalui pengadilan agar aset debitur dapat dikuasai dengan lelang, fidusia, cessie, hak tanggungan. Tetapi hal tersebut mengandung risiko yang tergolong cukup besar karena pihak debitur juga dapat melakukan gugatan penundaan kewajiban pembayaran utang (PKPU) untuk menggagalkan gugatan kreditur termasuk pembatalan atau penundaan sita aset. Bahkan bila terdapat kelalaian kreditur dalam bertindak debitur dapat melakukan keberatan melalui gugatan perbuatan melawan hukum (PMH), walau semua keputusan adalah wewenang Hakim untuk mengambil keputusan, tapi bila Hakim mengabulkan gugutan PMH debitur kreditur dapat mengalami kerugian lebih besar.
Perlindungan Hukum terhadap Debitur Kredit Macet Akibat Praktek Cessie dalam Perjanjian Perbankan Juliman; Kadek Wiwik Indrayanti
MLJ Merdeka Law Journal Vol. 6 No. 2 (2025): November,2025
Publisher : Postgraduate University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/mlj.v6i2.16374

Abstract

Debtors who default often make creditors choose a quick mechanism to recover their receivables, one of which is through cession or the transfer of receivables to a third party. Although the practice of cession is legal and recognized in the Indonesian legal system, until now there is no specific regulation that specifically regulates the procedure, thus opening the opportunity for actions that are detrimental to debtors, especially those who have relatively small remaining debts but are still the object of transfer without adequate notification. This study uses a normative method with a descriptive analytical approach to examine the regulation of cession and legal protection for debtors. Legally, cession is regulated in the Civil Code Book III on Contracts as well as several special regulations such as the Mortgage Law, the Fiduciary Law, and Bank Indonesia provisions. In principle, cession can be carried out as long as it is agreed by the parties through a new agreement. However, if the transfer of receivables is carried out without notification to the debtor, the agreement is potentially invalid because the object of the receivable is still attached to the debtor. Thus, the transfer of receivables that is not informed to the debtor can be cancelled or even void by law, thus providing legal protection for the debtor from the implementation of a detrimental assignment.
Co-Authors Kadek Wiwik Indrayanti Samuji