Deposito pihak ketiga sebagai jaminan kredit pada PT. Bank Lippo Cabang Makassar

RAMLI, Sinta, H. Mustafa, SH.,MS

2005 | Tesis | S2 Ilmu Hukum (Magister Kenotariatan)

Penelitian ini dimaksudkan untuk menjeiaskan pelaksanaan perjanjian kredit dengan jaminan deposito pihak ke tiga, khususnya dalam hal pengikatan jaminannya dan bagaimana perlindungan hukum terhadap penjamin kredit selaku pemilik deposito dalam hal debitur wanprestasi. Penelitian ini bersifat yuridis normatif yang dilakukan dengan cara mempelajari asas-asas hukum, sistem hukum dan kaedah-kaedah hukum dan penelitian empiris untuk mengetahui perilaku pihak-pihak yang terlibat langsung dalam kegiatankegiatan pengguna kredit dengan jaminan deposito pihak ketiga. Penelitian ini dilaksanakan di Bank Lippo Cabang Makassar, dengan responden dari pihak bank diwakili ofeh kepala bagian kredit dan bagian legal dan pihak nasabah diwakiii oleh penjamin deposito dan mantan penjamin deposito, yang diambil dengan cara purposive sampling. Laporan hasi! penelitian ini bersifat deskriptif analitis, hasi! penelitian dianalisis kemudian dideskripsikan. Setelah difakukan analisis data, diperoleh kesimpulan bahwa pada saat pelaksanaan perjanjian kredit, pihak penjamin,dalam hal ini pemilik deposito selain harus menandatangani Perjanjian Gadai atas Tagihan Tunai, Surat Kuasa Memblokir dan Mencairkan deposito, juga diharuskan menandatangani Perjanjian Pemberian Jaminan Pribadi (Borgtoch/ personal guarantee) tanpa memahami dan mengetahui secara jelas isi dadi perjanjian tersebut; tidak ada perlindungan hukum bagi pihak penjamin yang menyerahkan depositonya, dalam hal debitur wanprestasi. Berhubung pihak penjamin harus menandatangani Perjanjian Pemberian Jaminan Pribadi, sehingga konsekuensinya adalah turut menanggung pembayaran secara keseluruhan utang dari pihak debitur, tidak terbatas hanya sejumlah nominal deposito yang dijaminkan.

This research is meant to explain credit agreement implementation with the third party deposit guarantee, especially in the case of cordage of its guarantee and how law protection to toward credit guarantor as deposit owner in the case of wanprestasi debitor. The characteristic of this research is normative juridical which is conducted by studying principle of law, law system and law norm and empirical research to know party behavior who is direct in concerned in activity of credit consumer with third party deposit guarantee. This research is conducted in Bank Lippo Branch Makassar, with responder from bank side deputized by legal superintendent of legal shares and credit and from client side deputized by deposit guarantor and former deposit guarantor, taken by sampling purposive. Report result of this research have the character of analysis descriptive, results of this research are analyzed and then are described. After data analysis is done, it is obtained a conclusion that, at the time of credit agreement implementation, guarantor party, in this case deposit owner besides have to sign agreement mortgage to the invoice cash, letter of attorney to block and to liquefy deposit, is also obliged to sign giving personal guarantee agreement (Borgtocht L guarantee personal) without comprehending and knowing clearly fill from the agreement; there is no law protection to guarantor party who delivering its deposit, in the case of wanprestasi debitor. As for guarantor party have to sign giving personal guarantee agreement so that its consequence is partaking to account payment as a whole owe from debitor party, not limited to a number of is nominal of deposit which vouch for.

Kata Kunci : Hukum Perjanjian,Jaminan Kredit,Deposito Pihak Ketiga,Wanprestasi,Third party deposit, Credit guarantee, Wanprestasi Debitor