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All Journal JUDGE: Jurnal Hukum Al-Zayn: Jurnal Ilmu Sosial & Hukum
Dina Fitriani Wulandari
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice

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IMPLEMENTASI PERJANJIAN KREDIT PEMILIKAN RUMAH (KPR) PADA PT. BANK TABUNGAN NEGARA CABANG PONTIANAK Dina Fitriani Wulandari; Putri, Jufianty Trisna
Judge : Jurnal Hukum Vol. 6 No. 05 (2025): Judge : Jurnal Hukum
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/judge.v6i05.1879

Abstract

The Mortgage Agreement (KPR) of BTN PLATINUM is a home-ownership credit facility from Bank BTN designed to facilitate home purchases from developers and non-developers, either for new or second-hand houses, ready stock or under construction, as well as take-over from other banks. This study aims to examine the implementation process of mortgage agreements secured with collateral, the legal consequences of debtor default, and the dispute resolution mechanisms available when non-performing loans occur. The normative juridical method with descriptive analysis was applied to analyze legal norms and their application in practice. The findings reveal that the implementation of mortgage agreements begins with a strict selection process based on the principle of prudence, embodied in the 5C analysis (character, capacity, capital, collateral, condition of economy). Once approved, the bank issues the SP3K (Confirmation of Credit Provision) which formalizes the agreement and binds the collateral. Debtors who default are subject to sanctions ranging from fines to foreclosure of collateral, while BTN provides opportunities for restructuring, rescheduling, and settlement to minimize disputes. The study underscores the importance of ensuring legal certainty and balancing the rights and obligations of both creditors and debtors in order to maintain financial stability and public trust in the banking system.
Ketimpangan di Balik Lembar Kontrak: Analisis Sosio-Legal Perjanjian Finance di Indonesia Jufianty Trisna Putri; Dina Fitriani Wulandari; Triananda Genedin
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 1 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i1.4408

Abstract

Penelitian ini menganalisis praktik perjanjian pembiayaan konsumen di Indonesia melalui pendekatan socio-legal dengan menyoroti ketimpangan relasi kuasa di balik struktur kontrak baku yang secara formal tampak netral. Data penelitian bersumber dari analisis normatif terhadap Kitab Undang-Undang Hukum Perdata, Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia, peraturan Otoritas Jasa Keuangan, serta putusan pengadilan utama, termasuk Putusan Mahkamah Konstitusi Nomor 18/PUU-XVII/2019 dan beberapa putusan Pengadilan Negeri terkait sengketa pembiayaan. Data tersebut dipadukan dengan kajian literatur kritis untuk membaca interaksi antara norma hukum dan realitas sosial. Hasil penelitian menunjukkan bahwa meskipun hukum kontrak didasarkan pada asas kebebasan berkontrak dan kesetaraan para pihak, dalam praktik perusahaan pembiayaan berada pada posisi dominan melalui penggunaan kontrak baku, penguasaan informasi, dan akses terhadap sumber daya hukum, sementara konsumen berada dalam posisi rentan akibat tekanan ekonomi dan rendahnya literasi hukum. Temuan ini mengindikasikan bahwa hukum kontrak tidak hanya gagal mengoreksi ketimpangan struktural, tetapi juga cenderung mereproduksinya melalui legitimasi formal atas relasi yang tidak setara. Secara teoretis, artikel ini berkontribusi pada kajian socio-legal dengan menunjukkan bahwa kontrak pembiayaan tidak dapat dipahami semata sebagai instrumen privat, melainkan sebagai arena relasi kuasa yang membentuk kerentanan hukum konsumen.
Co-Authors Jufianty Trisna Putri Putri, Jufianty Trisna Triananda Genedin