Pelaksanaan Jaminan Perorangan (Borgtocht) Pada PT. Bank Danamon Indonesia Tbk. Kantor Wilayah Makassar

Monica Kunti Sahasika Jagaddhita, Annisa Syaufika Yustisia Ridwan, S.H., M.H.

2025 | Skripsi | ILMU HUKUM

Pelaksanaan Jaminan Perorangan (Borgtocht) Pada PT. Bank Danamon Indonesia Tbk. Kantor Wilayah Makassar

Oleh: Monica Kunti Sahasika, Annisa Syaufika Yustisia Ridwan 

Penulisan hukum ini bertujuan untuk mengetahui dan mengkaji pelaksanaan eksekusi jaminan perorangan (borgtocht) pada PT. Bank Danamon Indonesia Tbk. Kantor Wilayah Makassar serta menganalisis hambatan dan upaya penyelesaian terhadap hambatan yang dialami dalam melakukan eksekusi jaminan perorangan (borgtocht).

Penelitian dalam penulisan hukum ini merupakan penelitian yuridis empiris dan bersifat deskriptif analitis yang dilakukan melalui studi lapangan dengan melakukan wawancara kepada responden yang memiliki pemahaman atas topik penelitian yang kemudian dianalisis melalui studi kepustakaan melalui data sekunder, baik melalui bahan hukum primer, sekunder, maupun tersier terkait. Hasil penelitian kemudian dianalisis dengan metode kualitatif, diolah dan dikelompokkan sesuai teori yang relevan untuk memecahkan permasalahan.

Berdasarkan hasil penelitian, dapat ditarik dua kesimpulan. Pertama, terdapat empat hambatan yang dialami PT. Bank Danamon Indonesia Tbk. Kantor Wilayah Makassar, meliputi kesulitan penagihan hutang kepada penjamin karena adanya perbedaan tafsir isi perjanjian penanggungan hutang, sulitnya melacak dan melakukan investigasi aset milik penanggung, gugatan provisi yang sulit diajukan karena adanya syarat jaminan yang harus dipenuhi, dan adanya gugatan penjamin yang asetnya digunakan sebagai agunan debitur. Kedua, dalam menghadapi hambatan tersebut, PT. Bank Danamon Indonesia Tbk. Kantor Wilayah Makassar telah melakukan upaya penyelesaian secara non-litigasi melalui negosiasi dan litigasi melalui adanya pengajuan gugatan wanprestasi dan upaya banding atas putusan pengadilan negeri yang berkaitan dengan gugatan perbuatan melawan hukum yang diajukan penanggung. Negosiasi dan mediasi yang dilakukan mendapat titik terang, sedangkan upaya banding yang dilakukan PT. Bank Danamon Indonesia Tbk. Kantor Wilayah Makassar masih dilawan penjamin melalui kasasi.

Implementation Of Personal Guarantee Execution (Borgtocht) At PT. Bank Danamon Indonesia Tbk. Makassar Regional Office

By: Monica Kunti Sahasika, Annisa Syaufika Yustisia Ridwan 

This legal writing aims to find out and review the implementation of personal guarantee execution (borgtocht) at PT. Bank Danamon Indonesia Tbk. Makassar Regional Office and analyze the obstacles and efforts to resolve the obstacles experienced in executing personal guarantees (borgtocht).

The research in this legal writing is an empirical and analytical descriptive legal research conducted through field studies by conducting interviews with respondents who have an understanding of the research topic which is then analyzed through literature studies through secondary data, either through primary, secondary, or tertiary legal materials related. The research results are then analyzed using qualitative methods, processed and grouped according to relevant theories to solve problems.

Based on the research results, two conclusions can be drawn. First, there are four obstacles experienced by PT. Bank Danamon Indonesia Tbk. Makassar Regional Office, including difficulties in debt collection from the guarantor due to differences in interpretation of the contents of the debt guarantee agreement, difficulties in tracking and investigating the guarantor's assets, provision lawsuits that are difficult to file because of the collateral requirements that must be met, and lawsuits from guarantors whose assets are used as collateral for debtors. Second, in facing these obstacles, PT. Bank Danamon Indonesia Tbk. Makassar Regional Office has made non-litigation settlement efforts through negotiation and litigation by filing a default lawsuit and appealing the district court decision related to the unlawful act lawsuit filed by the guarantor. The negotiations and mediation carried out have been resolved, while the appeal efforts made by PT. Bank Danamon Indonesia Tbk. Makassar Regional Office are still being opposed by the guarantor through cassation.

Kata Kunci : Eksekusi Jaminan Perorangan (Borgtocht), Lembaga Perbankan, Pelindungan Hukum