Penggunaan jaminan perorangan (Borgtocht) dalam perjanjian hutang piutang pada PT. De Vanir Source Indonesia (Devasindo)

DEWI, Raden Roro Frieda Lestari, Sularto, S.H.,C.N.,M.H

2010 | Tesis | S2 Magister Kenotariatan

PT. De Vanir Source Indonesia (Devasindo) adalah perusahaan berbentuk perseroan terbatas yang berdiri tahun 2008. Perusahaan ini bergerak di bidang konsultan transportasi. Dalam rangka meningkatkan produksi dan pengembangan perusahaan PT. De Vanir Source Indonesia (Devasindo) membuat perjanjian hutang piutang dengan kreditur perorangan. Karena ada permasalahan giro dengan Bank Mandiri sehingga pembayaran hutang tidak bisa menggunakan fasilitas giro Bank Mandiri, maka pihak perusahaan dan kreditur sepakat memperkuat perjanjian hutang piutang yang mewajibkan Debitur memberikan jaminan pribadi (Borgtocht) para pemegang saham PT. De Vanir Source Indonesia (Devasindo). Penelitian ini bertujuan untuk mengetahui mengapa PT. De Vanir Source Indonesia (Devasindo) menggunakan penjaminan pribadi (Borgtocht) dalam perjanjian hutang piutang dan bagaimana apabila pemegang saham sebagai penjamin berhadapan dengan tanggung jawab terbatas dan akibat hukum penjaminan pribadi (Borgtocht) pada perusahaan yang berbentuk Perseroan Terbatas (PT). Metode penelitian ini menggunakan pendekatan yang bersifat normatif empiris dan jenis penelitian campuran yaitu penelitian kepustakaan dan lapangan. Hasil penelitian menunjukkan bahwa tujuan PT. De Vanir Source Indonesia (Devasindo) menggunakan jaminan perorangan (Borgtocht) dalam perjanjian utang piutang adalah untuk memberikan kepercayaan dan keamanan bagi kreditur. Penggunaan jaminan perorangan (Borgtocht) pada dasarnya sah secara hukum karena dalam akad kredit telah disertakan jaminan kebendaan, Jaminan perorangan berfungsi memperkuat perikatan pokok yang telah dibuat atau disebut jaminan tambahan (accessoir). Jaminan perorangan (Borgtocht) biasanya dipergunakan oleh kreditur dalam melakukan penilaian meragukan karakter debitur meskipun jaminan yang ada telah mencukupi dan/atau sebaliknya karakter debitur baik akan tetapi jaminan yang diberikan masih kurang, sehingga dengan adanya jaminan perorangan sebagai jaminan tambahan akan menjamin keamanan pihak kreditur. Dalam hal pemegang saham sebagai penjamin berhadapan dengan tanggung jawab terbatas, dan sesuai ketentuan dalam Pasal 3 Ayat (2) maka pertanggung-jawabannya menjadi tidak terbatas. Sehingga mereduksi harta kekayaan pribadi pemegang saham.

PT. De Vanir Source Indonesia (Devasindo) is a limited liability company founded in 2008. This company is a tire management consultant. In order to increase the production rate and company development, PT. De Vanir Source Indonesia (Devasindo) has entered into a credit agreement with a personal creditor. Due to a giro problem with Mandiri Bank in such a way that debt settlement cannot be done using Mandiri Bank's giro facilities, then the company and personal creditor parties have agreed to make and enter into agreement that requires the debtor to provide a personal warranty (borgtocht) from the stockholders of PT. De Vanir Source Indonesia (Devasindo). This research is intended to reveal the reason why PT. De Vanir Source Indonesia (Devasindo) used personal warranty (borgtocht) in a debt and credit agreement and to study the legality and the legal consequences of the personal warranty (borgtocht) in the limited liability company (Ltd.) The research used a normative empirical approach and a mixed kind of literature and field studies. The results of study showed that the purpose of PT. De Vanir Source Indonesia (Devasindo) using personal warranty (borgtocht) in debt-credit agreement was to create reliability and security for the creditor party. The use of personal warranty (borgtocht) is basically legal because property warranty has been included in the credit agreement. Personal warranty (borgtocht) functioned to strengthen the main engagement that has been made or called as additional warranty (accessoir). Personal warranty (borgtocht) is usually made when the creditor was uncertain about the debtor character although the existing warranty was sufficient or on the contrary, the debtor character was favorable but the existing warranty is not sufficient; therefore, the use of personal warranty (borgtocht) may function as additional warranty to make the creditor secured. In general, personal warranty (borgtocht) is not very effective in view of the fact that the implementation of execution is complicated in case that action in bad faith occurred between debtor and the third party as the warranty guarantor. This warranty will be effective when there is a previous agreement between the third party and the warranty guarantor.

Kata Kunci : Perjanjian,Hutang piutang,Jaminan perorangan (borgtocht),Jaminan tambahan