PERLINDUNGAN HUKUM TERHADAP KREDITUR ATAS OBYEK JAMINAN FIDUSIA YANGDIBEBANI JAMINAN GADAI(Studi kasus pada PT BCA Finance Cabang Surabaya)
| Main Author: | WAHYU FITRIANI, TIA |
|---|---|
| Format: | Article info application/pdf eJournal |
| Bahasa: | eng |
| Terbitan: |
Universitas Negeri Surabaya
, 2014
|
| Online Access: |
https://ejournal.unesa.ac.id/index.php/novum/article/view/10744 https://ejournal.unesa.ac.id/index.php/novum/article/view/10744/10344 |
Daftar Isi:
- Obyek jaminan merupakan unsur penting yang menjadi tambahan pada suatu perjanjian pokok hutang piutang. Obyekjaminan berguna untuk melindungi kepentingan kreditur yang memberikan hutang pada debitur yang menjaminkansuatu obyek benda untuk dikuasai oleh kreditur, selama prestasi debitur belum seluruhnya terlaksana. Obyek jaminanyang dimaksud adalah obyek jaminan fidusia dan obyek jaminan gadai. Obyek jaminan fidusia adalah suatu obyekbenda yang telah terdaftar resmi dibebani jaminan fidusia yang kepemilikannya yang untuk sementara dipercayakanpada debitur. Obyek jaminan gadai adalah suatu benda yang dibebani dengan jaminan gadai yang penguasaan sementaradilepaskan dari debitur. Tujuan penelitian ini adalah untuk mengetahui status obyek jaminan fidusia yang juga menjadiobyek jaminan gadai serta perlindungan hukum untuk kreditur penerima gadai atas obyek jaminan yang telah dieksekusioleh penerima fidusia. Metode penelitian penelitian ini adalah yuridis normatif, menggunakan teknik pengumpulanmelalui studi kepustakaan bahan hukum primer, bahan hukum sekunder, dan bahan hukum tersier. Menyusunnya secarasistematis dan menganalisa dengan teori-teori yang didapat sebelumnya secara preskriptif. Hasil penelitian menjelaskanbahwa obyek jaminan fidusia yang dijadikan sebagai obyek jaminan gadai menjadi tidak sah, karena debitur tidakmemperoleh persetujuan tertulis dari penerima fidusia dan kreditur penerima gadai harus menanggung kerugian akibattindakan debitur yang tidak jujur pada penerima gadai karena obyek jaminan telah dieksekusi oleh penerima fidusiatanpa sekalipun terpenuhi hutang debitur pada penerima gadai. Obyek jaminan fidusia dapat dialihkan secara gadaidalam Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia, dengan perkecualian debitur mendapatkanpersetujuan tertulis terlebih dahulu dari penerima fidusia. Dengan demikian dapat disimpulkan bahwa obyek jaminanyang dibebani fidusia dan dialihkan secara gadai oleh debitur menjadi tidak sah, karena tidak mendapatkan persetujuantertulis dari penerima fidusia dan kelalaian debitur memenuhi kewajibannya pada penerima fidusia mengakibatkanobyek jaminan yang dibebani jaminan lebih dari satu jaminan tersebut dieksekusi dan merugikan kreditur penerimagadai.Kata Kunci : Perlindungan Hukum, Obyek Jaminan Fidusia Obyek Jaminan GadaiAbstractObject assurance are important element that become an addition to the principal debts and receivable agreements.Collateral object is useful to protect the interests of creditor who gives loan to the debtor who offers an object to becontrolled by the creditor, as long as the debtor’s loan has not been fully repaid. The mentioned collateral object is anobject fiduciary and collateral object under pledge. Object assurance is an important element that become an addition tothe principal debts and receivable agreements. Collateral object is useful to protect the interests of creditor who givesloan to the debtor who offers an object to be controlled by the creditor, as long as the debtor’s loan has not been fullyrepaid. The mentioned collateral object are object fiduciary and collateral object under pledge. Fiduciary object is areobject that has been officially registered as an object burdened with fiduciary which ownership temporarily entrusted tothe debtor. Collateral object under pledge are object that is burdened with liens guarantee which the ownershiptemporarily released from the debtor. The purpose of this research is to know the status of an object fiduciary securityinsurance who is also being the subject of legal protection pledge as well as for his creditor pledge over securityrecipients object who was executed by a receiver of fiduciary . Research method of this research is normative juridical,using collecting techniques through the study of primary law literature materials, secondary law materials, and tertiarylaw materials. Systematically compiled and analyzedwith theories previously learnt in a prescriptive manner. Theresults of research explained that an object fiduciary security that serve as insurance object pledge to be illegitimate ,because debtors are not obtain the written consent of beneficiaries fiduciary and creditor recipients pledge shall bearloss due to the act of a debtor who dishonest with the recipient pledge insurance because objects was executed by areceiver of fiduciary without though met debtor debt with the recipient pledge. The object of fiduciary security can betransferred in a pawn in the number 42 years 1999 on the fiduciary security , with the exception of the debtor get thewritten consent first recipient of fiduciary .Thus can be concluded that the object of collateral that burdened fiduciaryand diverted a pledge by a debtor to be illegitimate , because not get the written consent of beneficiaries fiduciary andneglect of the debtor fulfill their obligations on the recipient object resulted in the fiduciary guarantee is burdened w