PERLINDUNGAN HUKUM KREDITUR TERHADAP PELAKSANAAN EKSEKUSI HAK TANGGUNGAN (Analisis Putusan Mahkamah Agung Republik Indonesia Nomor 2859K/PDT/2011)

Abstract

<p>Hak Tanggungan dalam perjanjian kredit mempunyai fungsi untuk memberikan rasa aman bagi kreditur apabila terjadi wanprestasi oleh debitur melalui eksekusi Hak Tanggungan. Namun upaya hukum dari debitur berupa gugatan agar pelaksanaan lelang eksekusi ditangguhkan dan permohonan restrukturisasi kredit menimbulkan permasalahan baru. </p><p>Penulis dalam penelitian ini ingin menelaah dan menganalisa lebih lanjut tentang upaya hukum debitur untuk menangguhkan pelaksanaan eksekusi hak tanggungan dan <em>ratio decidendi</em> Putusan Mahkamah Agung Republik Indonesia Nomor 2859K/PDT/2011.</p><p>Metode penelitian yang digunakan adalah penelitian hukum normatif, yaitu penelitian hukum yang dilakukan dengan cara meneliti bahan pustaka atau bahan hukum sekunder sedangkan pendekatan masalah dilakukan dengan menggunakan pendekatan undang-undang dan pendekatan konseptual.</p><p>Hasil penelitian menunjukkan bahwa debitur hanya dapat mengajukan gugatan penangguhan lelang eksekusi hak tanggungan apabila didasarkan pada adanya cacat hukum pada perjanjian kredit atau hutang piutang atau perjanjian pengikatan hak tanggungan. Tidak adanya restrukturisasi pinjaman tidak dapat dijadikan alasan untuk menunda eksekusi hak tanggugan.</p><p><em>Mortgage within credit agreement plays role as warrant to provide secure for creditor when contract default is happened. Mortgage is conducted through execution of mortgage rights. Nevertheless, legal effort from debtor in form of suit to suspend the auction of mortgage coupled with restructuring of the credit stimulate new.</em><em></em></p><p><em>The present research tries to elaborate and examine further about legal protection of debtor in suspending execution of mortgage. Moreover, the present study also tries to study </em><em>ratio decidendi</em><em>of Indonesian Supreme Court No </em><em>2859K/PDT/2011.</em></p><p><em>The method used in the present study is a normative legal research, namely legal research which is conducted by examining the library materials or secondary law while in finding and collecting the data is done by two approaches, namely the law and conceptual approaches. </em></p><p><em>The present study shows that debtor able to propose suspension of mortgage auction when there is some defect within the credit agreement. The absence of credit restructuring can be used as justification to suspend or delay execution of mortgage rights. </em><em></em></p>

Pencantuman Klausula Eksonerasi Dalam Perjanjian Sebagai Perbuatan Melawan Hukum

“…So that normative legal research focuses on the inventory of positive law, legal principles and doctrine, legal findings in in concreto cases. 9 Regarding the legal research used, in this writing, the data sources in the form of legal materials used are as follows: Primary Legal 7 Abidarini, Lutfira. (2021) Materials, namely binding legal materials consisting of statutory regulations and Court Decisions, as well as Secondary Legal Materials, legal materials that provide explanation of premier legal materials, such as books, papers/journals and legal expert opinions.…”

Credit Dispute Resolution with Mortgage Right Warranties on Conventional Banking

“…93/PUU-X/2012 There are 15 cases of credit agreement disputes with guarantees of mortagage right in Sharia banking practices completed through religious judicial (As many as 8 cases) and general judiciary (as many as 7 cases) [11]. While the study of Lutfi Walidani and Habib Adjie in Judicata Res Journal regarding the protection of the creditor on the execution of Mortgage Rights who also quoted the opinion of M. Yahya Harahap, in his book The scope of execution of the civil field Saidthe process of settlement of disputes with the object of the Mortagage Rights Of civil Liability (positive law) in the implementation of the execution of parate subject to article 224 HIR, Article 258RBg when not promised power selling itself, auction sales(executoriale verkoop) Then must be requested to the head of the state court and such request on the grounds of an appointment or injury injury [12]. Meanwhile, according to J. Satrio, the right to sell on the power of its own rights, if the debtor injury Implementation of simplified execution rights [13], Which is now provided by its own laws to the creditors of the first mortgage right holder.…”

Perlindungan Hukum Debitor Pada Pinjaman Kredit Dalam Meningkatkan Taraf Hidup

“…Beberapa penelitian terdahulu membahas mengenai perlindungan hukum bagi kreditor dalam perjanjian kredit atas debitor yang wanprestasi (Risa, 2019) (Anwar, 2014) (Walidani & Adjie, 2018). Adapun peneliti lain membahas mengenai pelaksanaan eksekusi atas jaminan yang dibebani hak tanggungan (Walidani & Adjie, 2018) (Saputera, Hasan, Sitompul, & Muliadi, 2015) (Saputera et al, 2015) , (Musjtari, Riyanto, & Setyowati, 2018). Hal ini menunjukkan bahwa permasalahan pinjaman kredit selalu menjadi perbincangan hangat.…”