KAJIAN TERHADAP EKSEKUSI JAMINAN FIDUSIA DI PT. BPR DUTA PAKUAN MANDIRI BOGOR

Alvie Deki Palit, SH, Ninik Darmini, S.H., M.Hum.

2012 | Tesis | S2 Magister Kenotariatan

Penelitian tentang “Kajian Terhadap Eksekusi Jaminan Fidusia di PT. BPR Duta Pakuan Mandiri Bogor” bertujuan untuk mengetahui proses eksekusi Jaminan Fidusia dalam hal debitur wanprestasi di PT. BPR Duta Pakuan Mandiri Bogor dan dalam hal objek jaminan telah dipindah tangankan oleh debitur kepada pihak lain. Penelitian ini merupakan penelitian yang bersifat yuridis empiris, yaitu penelitian yang bertujuan mendalami penerapan hukum positif dalam praktek perbankan. Penelitian ini didasarkan pada penelitian kepustakaan yang mencakup bahan-bahan hukum untuk memperoleh data sekunder dan penelitian lapangan (empiris) untuk memperoleh data primer. Hasil dari penelitian ini diharapkan dapat memberikan gambaran yang bersifat deskriptif analitis. Bersifat deskriptif karena dari hasil penelitian ini dapat mendiskripsikan/menggambarkan secara menyeluruh dan sistimatis mengenai asas-asas hukum, kaedah-kaedah hukum dan doktrin serta peraturan perundang-undangan yang berkaitan dengan pelaksanaan proses eksekusi Jaminan Fidusia di PT. BPR Duta Pakuan Mandiri Bogor.. Bersifat analitis karena melalui penelitian ini diharapkan akan memperoleh gambaran secara sistimatis, faktual dan akurat mengenai fakta-fakta tertentu tentang pelaksanaan proses eksekusi Jaminan Fidusia di PT. BPR Duta Pakuan Mandiri Bogor. Pelaksanaan proses eksekusi Jaminan Fidusia dalam hal debitur wanprestasi di PT. BPR Duta Pakuan Mandiri Bogor dan dalam hal objek jaminan telah dipindah tangankan oleh debitur kepada pihak lain ada yang sudah sesuai dengan Undang-Undang No. 42 Tahun 1999 tentang Jaminan Fidusia, yaitu penjualan dibawah tangan objek Jaminan Fidusia berdasarkan kesepakatan debitur (pemberi fidusia) dan bank (penerima fidusia) tetapi penjualan benda Jaminan Fidusia oleh kreditur (bank) atas kekuasaan sendiri (parate eksekusi) belum sepenuhnya sesuai, yakni penjualan benda Jaminan Fidusia berdasarkan parate eksekusi tidak dilakukan melalui pelelangan umum namun hanya dilakukan melalui internal bank saja.

Research about “Study on Fiduciary Guarantee Execution in PT. BPR Duta Pakuan Mandiri Bogor” aimed to know the execution process of Fiduciary Guarantee in the term of default debtors at PT.BPR Duta Pakuan Mandiri Bogor and in term guarantee object has been handed-over by the debtor to the other party. This research is juridical empirical research that is research which aimed to deep in implementation of positive law in the banking practice. This research is based on literature study including materials of law to obtain secondary data and field research (empirical) to get primary data. The result of this research expected can to give descriptive analytical reflection. Descriptive because from the result of this research can to describe/ drawing comprehensively and systematic concerning law principle, basic principle of law and doctrine and legislation rule which related with implementation of execution process of Fiduciary Guarantee at PT.BPR Duta Pakuan Mandiri Bogor. Analytical because through this research expected can to get an image systematically, factual and accurate regarding certainty facts about implementation of execution process of Fiduciary Guarantee at PT.BPR Duta Pakuan Mandiri Bogor. Implementation of execution process of Fiduciary Guarantee in the term of default debtor at PT.BPR Duta Pakuan Mandiri Bogor and in the term of guarantee object has been handed-over by the debtor to the other party there was has been appropriate with Laws No.42 Year 1999 about Fiduciary Guarantee, that is selling underhand object of Fiduciary Guarantee based on the debtor’ agreement (fiduciary donor) and bank (fiduciary receiver); however Fiduciary Guarantee selling by the creditor (Bank) based on parate execution not yet appropriate, that is Fiduciary Guarantee selling based on parate execution had not been done through public auction even if only done also through internal Bank.

Kata Kunci : Eksekusi, Jaminan Fidusia