Pelaksanaan perjanjian Kredit Umum Pedesaan (KUPEDES) bagi pengusaha kecil di wilayah kerja BRI Unit Karanganyar Kantor Cabang Karanganyar

HARTATI, Sri, Taufiq El Rahman, SH.,MH

2008 | Tesis | S2 Ilmu Hukum (Magister Kenotariatan)

Dalam penulisan tesis dengan judul Pelaksanaan Perjanjian Kredit Umum Pedesaan (Kupedes) Bagi Pengusaha Kecil diwilayah Kerja BRI Unit Karanganyar, Kantor Cabang Karanganyar, merupakan sebuah riset yang dilaksanakan untuk menilai apakah Surat Pengakuan Hutang (SPH) yang hanya dibuat oleh sepihak atau Debitur saja itu sah sebagai Perjanjian, beserta implikasi yuridisnya. Untuk mencapai maksud tersebut diselenggarakan stud i pustaka dan penelitian lapangan. Studi pustaka dilakukan dengan menguji beberapa dokumen dengan materi bahan hukum Primer, Sekunder dan Tersier. Penelitian lapangan dilakukan dengan cara mewawancarai langsung terhadap pribadi dan kelompok-kelompok terkait. Hasil penelitian menunjukkan bahwa Surat Pengakuan Hutang yang dibuat oleh Debitur saja adalah suatu perjanjian, dengan pertimbangan sebagai berikut : Pertama Pihak Kreditur dalam hal ini Bank tetap menjadi pihak dalam Surat Pengakuan Hutang. Kedua Surat Pengakuan Hutang memenuhi ketentuan pasal 1320 KUH Perdata, sesuai dengan penafsiran pasal 1346 KUH Perdata serta berdasarkan penafsiran gramatikal, tetapi implikasi yuridisnya baru ada pada saat kredit cair. Berdasarkan pertimbangan tersebut Surat Pengakuan Hutang yang hanya dibuat oleh Debitur itu diganti dengan Perjanjian Kredit.

This research is entitled The Implementation of Rural General Credit ( in Indonesian language is abbreviated KUPEDES ) to Small-Scale Business in the Work Region of Bank Rakyat Indonesia (BRI), Unit Karanganyar, Branch Office of Karanganyar. It is aimed at examining whether the Letter of Debt Acknowledgment, which is unilaterally arranged by the debtor, is legal as a credit agreement as well as its jurisdiction implication. To reach its aim, the research employed the librabry and field ones. The former was conducted by examining several documents of primary, secondary, and tertiary law materials, and the latter was conducted by doing direct interview with the related individuals or the related parties. The result of the research shows that the Letter of Debt Acknowledgment, which is unilaterally arranged by the debtor, definitely is a credit agreement due to the following : Firstly, Bank as the Creditor has been a side in the letter of Debt Acknowledgment. Secondly, the Letter of Debt Acknowledgment fulfills the determinate of The Book of Justice Court section 1320, it concerns on the 1346 The Book of Justice Court section that’s based on grammatically explanation, but the jurisdiction implication will exist when the credit released. Based on the aforementioned considerations, the Letter of Debt Acknowledgment which is unilaterally arranged by the debtor shall be replaced with Credit Agreement signed by both the debtor and the creditor or the Bank.

Kata Kunci : Hukum Perjanjian,KUPEDES,Surat Pengakuan Hutang,Agreement, Debtor, Creditor