PENERAPAN ASAS KESEIMBANGAN BAGI PARA PIHAK DALAM PERJANJIAN BAKU KREDIT KETAHANAN PANGAN DAN ENERGI (KKP-E) (Studi Kasus pada Perjanjian KKP-E Bank BRI dan Bank Jatim) - Tika Retnani (Kumpulan Jurnal Mahasiswa Fakultas Hukum, 2017)
Tika Retnani, Amelia Kusumadewi, S.H., M.Kn.,Ratih Deviana Puru, S.H., L.LM. Fakultas Hukum Universitas Brawijaya Email :tikaretnani@gmail.com ABSTRAK Perjanjian KKP-E merupakan perjanjian baku yang dalam pelaksanaannya telah diperbolehkan oleh undang-undang. Dalam prakteknya, banyak perjanjian baku yang dibuat dengan menguntungkan si pembuatnya yang dalam hal ini adalah bank. Dalam suatu perjanjian baku seringkali adanya pengabaian proses negosiasi diantara dua belah pihak yang akan terlibat dalam perjanjiannya. Sehingga, pihak Debitur dalam hal perjanjian KKP-E ini hanya bisa menerima atau menolak secara keseluruhan isi dari suatu perjanjian KKP-E. Dalam perjanjian KKP-E, klausula yang telah ditentukan dan dibuat oleh Bank seringkali tidak memperhatikan asas keseimbangan dalam perjanjian. Banyak klausula yang melanggar ketentuan perundang-undangan sehingga menyebabkan terjadinya ketidakseimbangan dalam suatu perjanjian KKP-E. kata kunci : Asas Keseimbangan, Perjanjian Baku, Perjanjian KKP-EÂ  ABSTRACT Loan of Food and Energy Sistainability is loan program held by the government provided for farmers, fishermen, businessmen working in the sector of food sustainability. LFES is designed to improve national food sustainability and increase the income of farmers, fishermen, and others. In the implementation, LFES is made by bank in the form of standard agreement which is allowed by the law. Many standard agreements were made to benefit the maker of the agreement which was the bank itself. In a standard agreement, often there was negligence on the negotiation process between both parties involved. Consequently, the debitor in LFSE agreement could only accept or rejectthe whole content of the LFSE agreement. This was because the position of parties involved were not the same in the agreement. In LFSE agreement, the clauses determined and made by the bank were not in accordance with the principle of balance in an agreement. Many clauses violated the provision of the law which resulted in the inbalance of an LFSE agreement. Keywords: principle of balance, standard agreement, LFSE agreement