DISHARMONISASI HUKUM KEDUDUKAN KREDITUR PEMEGANG JAMINAN HUTANG DENGAN HAK PREFEREN - Yahya, Alvin (REPERTORIUM, 2014)
AbstractThe written of this article based on disharmony between act No. 4, 1996 about Dependent rights on the landÂ along with the existing objects on top of it, Â  facing act No. 34, 2004, about bankruptcy and debt paymentÂ suspension article 56, 56, 58, 59, 60, 61 and chapter 6th about reconciliation. Â This Â article entitle âTheÂ Disharmony of law legal position of creditors the holder of a debt guarantee rights of preferenceâ. legalÂ position creditors the holder of debt guarantee rights of preferen in accordance with article 21 act 4,1996Â still get a right of preference despite bankruptcy, however, in accordance with article 56 act34, 2004 there isÂ a suspension of executions during the 90 days of declared bankrupt and plus 2 months of debitors declared aÂ state of insolvency. Rights of preference are reduced by act No. 34, 2004, about Bankruptcy and debt paymentÂ suspension, although the legal certainly of the institution guarantees the rights of dependants is still valid,Â but creditors will suffer losses in material against the period of repayment of an existing credit facility. TheÂ principle is easy and definitely within the institution guarantees the rights of a dependent cannot be realizedÂ due to the procedure execution rights have to go through long and complicated procedure in the process ofÂ bankruptcy or debt payment suspension.AbstrakPenulisan ini dilatarbelakangi adanya disharmonisasi hukum antara Undang-undang Hak Tanggungan AtasÂ Tanah Beserta Benda-benda yang Ada Diatasnya (UUHT) Pasal 21 dengan Undang-undang Kepailitan danÂ Penundaan Kewajiban Pembayaran Utang (UUKPKPU) Pasal 56, 57, 58, 59, 60 dan 61 serta Bagian KeenamÂ Tentang Perdamaian. Maka penulisan artikel ini diberi judul âDisharmonisasi Hukum Kedudukan KrediturÂ Pemegang Jaminan Hutang dengan Hak Preferenâ. Dengan pokok permasalahan Bagaimana kedudukanÂ kreditur pemegang jaminan hutang dengan hak preferen. Kedudukan kreditur pemegang hak preferenÂ terhadap jaminan kebendaan sesuai pasal 21 UUHT tetap mendapatkan hak preferennya meskipun terjadiÂ kepailitan, akan tetapi sesuai dengan pasal 56 UUKPKPU terdapat penangguhan terhadap hak eksekusiÂ selama 90 Â hari dari dinyatakan pailit dan ditambah 2 bulan dari debitur dinyatakan keadaan insolvensi. HakÂ preferen tereduksi dengan adanya UUKPKPU meskipun kepastian hukum terhadap lembaga jaminan hakÂ tanggungan masih berlaku, akan tetapi kreditur akan mengalami kerugian secara materiil terhadap jangkaÂ waktu pengembalian fasilitas kredit yang ada. Asas kemudahan dan pasti didalam lembaga jaminan hakÂ tanggungan tidak dapat terwujud dikarenakan prosedur hak eksekusi dari lembaga jaminan hak tanggunganÂ harus melalui prosedur yang rumit dan lama didalam proses Kepailitan ataupun penundaan kewajibanÂ pembayaran utang (PKPU).