Tinjauan Yuridis tentang perjanjian kredit pada Perum Pegadaian di Kabupaten Sleman

KRISTIANI, Elis, Sularto, SH.,CN.,MH

2007 | Tesis | S2 Ilmu Hukum (Magister Kenotariatan)

Penelitian mengenai Tinjauan Yuridis Tentang Perjanjian Kredit pada Perum Pegadaian di Kabupaten Sleman, ini bertujuan untuk mengetahui perlindungan hukum terhadap nasabah berdasarkan perjanjian kredit pada Perum Pegadaian dan tanggung jawab Perum Pegadaian terhadap barang jaminan yang berada dalam penguasaannya. Penelitian ini bersifat Yuridis Normatif yaitu untuk mengetahui asas-asas, sistem dan kaidah-kaidah hukum yang berkaitan dengan permasalahan, dan dilengkapi dengan penelitian empiris yaitu untuk mengamati pelaku pihak-pihak yang menjadi responden. Untuk itu dilakukan penelitian kepustakaan dalam memperoleh data sekunder dengan cara melakukan studi terhadap bahan-bahan hukum primer, sekunder, tersier, kemudian dilengkan dengan penelitian lapangan, dalam rangka memperoleh data primer melalui wawancara dan mempergunakan alat pedoman wawancara. Data yang diperoleh selanjutnya dianalisis secara kualitatif. Hasil penelitian diketahui bahwa perlindungan hukum nasabah mengenai perjanjian kredit pada Perum Pegadaian belum sepenuhnya terpenuhi, karena sebagian besar nasabah tidak memahami isi perjanjian tersebut, sehingga banyak nasabah tidak mengetahui tentang isi perjanjian kredit tersebut, di samping itu nasabah juga belum sepenuhnya mendapatkan hak-haknya, terutama mengenai kelebihan hasil penjualan barang jaminan. Tanggung jawab barang jaminan Perum Pegadaian memberikan ganti rugi sebesar 125% dari harga taksiran, apabila barang jaminan tersebut rusak atau hilang karena kelalaiannya.

The study on juridical review of credit agreements at the state-owned pawnshop of Sleman district was aimed at finding out the legal protection for customers based on the credit agreements at the state-owned pawnshop and the responsibility of the pawnshop on the pawns under its control. It was a normative-juridical study which trying to find out legal basis, systems, and principles that were related to the problems. This study was also supported by an empirical study, i.e.., observing respondents’ behaviors. Therefore, a literature study was conducted to obtain secondary data by examining the primary, secondary, and tertiary legal materials; and it was supported by carrying out field study to obtain primary data trough interviews using an interview guide. The data were then analyzed using qualitative approach. The results of study indicated that the legal protection for customers in the credit agreements at the state-owned pawnshop had not been fully guaranteed because the majority of customers did not read the contents of those agreements so that they did not know and understand them. Also, the customers did not get all their rights, particularly those that are related to the surplus of the sold pawns. The pawnshop was responsible for any pawn by providing an indemnity, equal to 125% of the estimated value of a pawn, in case of pawn lost or defect due to its negligence.

Kata Kunci : Hukum Perjanjian,Perum Pegadaian, state-owned pawnshop, legal protection for customers, responsible