PERLINDUNGAN HUKUM BAGI PENERIMA FIDUSIA AKIBAT HILANGNYA OBJEK JAMINAN FIDUSIA

FIDA AMIRA, Taufiq El Rahman, S.H., M.Hum.

2018 | Tesis | S2 Kenotariatan

This research is intended to know the form of legal regulation protection to fiduciary recipient of the loss fiduciary guarantee object in the case of Decision No.17 / Pid.B / 2017 / PN.Mlg and to find how credit settlement with debtor against the loss of fiduciary object in case of Decision No.17 / Pid .B / 2017 / PN.Mlg. The nature of this research is descriptive research. This type of research is empirical normative by using literature and field research that is reviewed through primary and secondary data. Primary data are data obtained through interviews with respondents and resource persons. The data are analyzed qualitatively and presented in descriptive form. The results of this research states the form of the legal protection for fiduciary recipient on the loss of fiduciary guarantee object at PT. Astra Sedaya Finance Malang are 2 (two), first, legal protection from fiduciary guaranty act and legal protection from authentic deed by making a notarial credit agreement, second, making deed of fiduciary guarantee which is then registered in order to issue fiduciary certificate and the last, with the installation of insurance on every item of fiduciary guarantee object. Against credit settlement with debtor for the loss fiduciary guarantee object, PT.Astra Sedaya Finance Malang conducted in two ways: Internal efforts by deliberation first and if in a way that is not agreement reached, then taken by External efforts with criminal lane. Penelitian ini bertujuan untuk mengetahui bentuk perlindungan hukum terhadap penerima fidusia atas hilangnya objek jaminan fidusia pada perkara Putusan No.17/Pid.B/2017/PN.Mlg dan mengetahui bagaimana penyelesaian kredit dengan debitur terhadap hilangnya objek jaminan fidusia pada perkara Putusan No.17/Pid.B/2017/PN.Mlg Sifat penelitian ini adalah penelitian deskriptif. Jenis penelitian ini yaitu normatif empiris dengan menggunakan penelitian kepustakaan dan penelitian lapangan yang ditelaah melalui data primer dan data sekunder. Data primer adalah data yang diperoleh melalui wawancara dengan responden dan narasumber. Data-data tersebut dianalisis secara kualitatif dan dipaparkan dalam bentuk deskriptif. Hasil Penelitian ini menyatakan bahwa bentuk perlindungan hukum terhadap penerima fidusia atas hilangnya objek jaminan fidusia pada PT. Astra Sedaya Finance Malang dapat ditinjau dari 2 (dua) bentuk perlindungan hukum yaitu perlindungan hukum dari Undang-Undang Jaminan Fidusia dan perlindungan hukum dari akta autentik yang berupa perjanjian kredit, akta jaminan fidusia yang kemudian didaftarkan menjadi sertifikat jaminan fidusia dan dengan dipasangnya asuransi pada setiap objek jaminan fidusia.Terhadap penyelesaian kredit dengan debitur terhadap hilangnya objek jaminan fidusia, PT.Astra Sedaya Finance Malang dilakukan dengan dua cara yakni upaya Internal dengan cara musyawarah terlebih dahulu dan apabila tidak tercapai kesepakatan barulah ditempuh dengan cara Eksternal yakni dengan jalur pidana.

This research is intended to know the form of legal regulation protection to fiduciary recipient of the loss fiduciary guarantee object in the case of Decision No.17 / Pid.B / 2017 / PN.Mlg and to find how credit settlement with debtor against the loss of fiduciary object in case of Decision No.17 / Pid .B / 2017 / PN.Mlg. The nature of this research is descriptive research. This type of research is empirical normative by using literature and field research that is reviewed through primary and secondary data. Primary data are data obtained through interviews with respondents and resource persons. The data are analyzed qualitatively and presented in descriptive form. The results of this research states the form of the legal protection for fiduciary recipient on the loss of fiduciary guarantee object at PT. Astra Sedaya Finance Malang are 2 (two), first, legal protection from fiduciary guaranty act and legal protection from authentic deed by making a notarial credit agreement, second, making deed of fiduciary guarantee which is then registered in order to issue fiduciary certificate and the last, with the installation of insurance on every item of fiduciary guarantee object. Against credit settlement with debtor for the loss fiduciary guarantee object, PT.Astra Sedaya Finance Malang conducted in two ways: Internal efforts by deliberation first and if in a way that is not agreement reached, then taken by External efforts with criminal lane.

Kata Kunci : Jaminan, Jaminan Fidusia, Hilang, Lembaga Pembiayaan / Guarantee, Fiduciary Guarantee, Loss, Financing Institution