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Fakultas Hukum Universitas Jember Jl. Kalimantan No. 37, Krajan Timur, Sumbersari, Jember, Jawa Timur 68121 ​​https://law.unej.ac.id sekretariat.fh@unej.ac.id 0331 - 335462
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INDONESIA
Jurnal Ilmu Kenotariatan
Published by Universitas Jember
ISSN : 27231011     EISSN : 27231011     DOI : 10.19184/JIK
Core Subject : Humanities, Social,
Humanities Law, Crime, Criminology & Criminal Justice Social Sciences
JURNAL ILMU KENOTARIATAN merupakan Jurnal yang diterbitkan oleh Fakultas Hukum Universitas Jember yang bertemakan Ilmu Hukum berkaitan dengan Kenotariatan, dengan manfaat dan tujuan bagi perkembangan Ilmu Hukum, khususnya Hukum Kenotariatan. Tujuan dari publikasi Jurnal ini adalah untuk memberikan ruang kepada penulis untuk mempublikasikan pemikiran hasil penelitian orisinalnya, baik para akademisi yaitu mahasiswa maupun dosen, ataupun para praktisi hukum. Fokus dan Lingkup penulisan dalam Jurnal ini memfokuskan diri mempublikasikan artikel ilmiah hukum yang berkaitan dengan bidang kenotariatan dengan topik-topik sebagai berikut: Hukum Kenotariatan. Hukum Pertanahan. Cyber Notary. Hukum Perdata. Hukum Bisnis. Hukum Administrasi. Hukum Internasional. Hukum Acara. Hukum Dan Masyarakat. Hukum Informasi Teknologi dan Transaksi Elektronik. Hukum Hak Asasi Manusia. Hukum Kontemporer.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 1 Documents
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Search results for , issue "Vol. 6 No. 2: Nov 2025" : 1 Documents clear
Legal Reformulation of the Transfer of Rights To Guaranteed Objects Through Foreseen Collateral Yuniar, Lisa Mega; Dewantara, Reka; Jauharoh, Arini
Jurnal Ilmu Kenotariatan Vol. 6 No. 2: Nov 2025
Publisher : Faculty of Law, University of Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/jik.v6i2.53696

Abstract

Foreclosed Assets is one of the mechanisms used by banks in settling non-performing loans without having to go through lengthy and complicated auction procedures. Although the Foreclosed Assets mechanism has been regulated under Article 12A of Law No. 4 of 2023 on Development and Strengthening of the Financial Sector, in practice—particularly in the context of bankruptcy—there remains legal uncertainty. This is due to inconsistent regulations between the Mortgage Law, the Banking Law, and Supreme Court Circular No. 3 of 2023. This research aims to analyze the Foreclosed Assets mechanism juridically within the context of bankruptcy and to formulate a reformulation of legal arrangements concerning the transfer of rights over collateral objects through the Foreclosed Assets mechanism to ensure legal certainty. This study employs a normative juridical method using statute and conceptual approaches. The results of this study show that the implementation of Foreclosed Assets, both through auction and outside auction, has different legal consequences. Foreclosed Assets conducted through auction has a sufficiently strong legal basis, while Foreclosed Assets conducted outside auction—which generally uses Sale and Purchase Agreement and Power of Attorney to Sell—still presents legal uncertainty. This is due to the absence of technical regulations specifically governing the procedures and forms of documents in the implementation of Foreclosed Assets outside auction. Furthermore, the use of PPJB as the legal basis for the transfer of rights in Foreclosed Assets practice has the potential to conflict with the pactum commissorium principle as regulated in the Mortgage Law. This reformulation is essential to clarify the legal position of banks over acquired collateral as well as to uniformly regulate valid legal document formats in the Foreclosed Assets mechanism, thereby providing legal certainty for banks, debtors, notaries, receivers, and other related parties.

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