Kedudukan hukum pemegang saham dalam proses likuidasi Bank Perkreditan Rakyat

MUSTIKA, I Nyoman, Prof.Dr. Nindyo Pramono, SH.,MS

2004 | Tesis | S2 Ilmu Hukum (Magister Hukum Bisnis)

Penelitian mengenai Kedudukan Hukum Pemegang Saham Dalam Proses Likuidasi Bank Perkreditan Rakyat merupakan penelitian yuridis normatif. Penelitian ini bertujuan untuk mengetahui kedudukan hukum pemegang saham minoritas dalam proses likuidasi BPR, kemungkinan pemegang saham minoritas menggugat Tim Likuidasi dan hambatan-hambatan yang timbul dalam proses likuidasi. Penelitian ini dilakukan di wilayah Provinsi Bali dengan mengambil sampel 8 (delapan) pemegang saham minoritas pada delapan Bank Perkreditan Rakyat. Sampel ditentutan secara purposive. Hasil penelitian menunjukkan bahwa semua BPR responden dicabut ijin usahanya oleh BI karena jumlah kredit macet (non performance loan) yang sangat besar dan usaha penyelamatan tidak berhasil. Menyusul dicabutnya ijin usaha, dibentuk Tim Likuidasi yang menjalankan tugas melikuidasi BPR. Selama proses likuidasi, pemegang saham minoritas sama sekali tidak dapat melakukan perbuatan hukum apapun. Pemegang saham minoritas bertanggung jawab sebatas saham yang dimilikinya. Pemegang saham minoritas dapat melakukan gugatan kepada Tim Likuidasi jika Tim Likuidasi dalam melaksanakan tugasnya merugikan kepentingan pemegang saham minoritas. Dalam menjalankan tugasnya Tim Likuidasi menghadapi hambatan tidak jelasnya status harta kekayaan BPR dalam likui dasi dan tidak lengkapnya dokumen pemberian kredit.

The research on the legal status of shareholders in the liquidation process of Bank Perkreditan Rakyat (BPR) is a juridical normative research. It aims to know the legal status of minority shareholders in the BPR liquidation process, the possibility for the minority shareholders to claim the Liquidation Team, and the ordeals encountered in the liquidation process. The research was conducted in the territory of Bali Province taking 8 (eights) samples from the minority shareholders in eight banks of Bank Perkreditan Rakyat. The samples were determined purposively. The research results show that the licence of all respondents (BPR) are revoked by the Bank of Indonesia due to their big amount of non performance loan and unsuccessful assistance measure. Following the revocation of their licence, a Liquidation Team is established with a task to liquidate these BPRs. During the liquidation process, the minority shareholders are entirely unable to do any legal action. They are responsible only as much as the amount of their share. They can claim the Liquidation Team if in carrying out its task, the team damages the interests of the minority shareholders. In carrying out its task, the team faces problems such as the obscured status of the liquidated BPR assets and inadequate documents of credit granting.

Kata Kunci : Hukum Dalam Bisnis,Likuidasi Bank,Hak Gugat Pemegang Saham, minority shareholders, liquidation