PERLINDUNGAN HUKUM KONSUMEN TERHADAP PENARIKAN DAN PENYITAAN OBJEK JAMINAN FIDUCIA YANG TIDAK DIDAFTARKAN KREDITUR


Fahmi Ali Ramdhani(1*)

(1) Universitas Islam Nusantara, Indonesia
(*) Corresponding Author

Abstract


The facts on the ground are that there are often problems due to legal consequences due to the non-registration of fiduciary guarantees by financial institutions. This study aims to determine consumer legal protection measures when fiduciary collateral is not registered at the Fiduciary Registration Office. This study also aims to examine the legal consequences of the withdrawal and confiscation of fiduciary collateral objects that are not registered at the Fiducia Registration Office by PT. Suzuki Finance Indonesia. This study uses a normative juridical method with descriptive-analytical research specifications through a statutory approach. Based on this study, it is concluded that consumer dispute resolution can be pursued through the court or outside the court based on the decision of the disputing parties. One of the legal protections and obligations in using fiduciary guarantees for finance companies was the first issuance of PP No.21 of 2015, Permenkeu No. 130 / PMK.010 / 2012, and POJK 29/2014. The legal consequence of not registering the object of the fiduciary guarantee is that the fiduciary guarantee has not been born so that the legal consequences attached to the fiduciary guarantee do not apply.


Keywords


credit agreement; fiduciary guarantee; consumers

Full Text:

PDF

References


(OJK), Otoritas Jasa Keuangan. “Kajian Perlindungan Konsumen 2018 Penguatan Perlindungan Konsumen Dalam Penggunaan Jaminan Fiducia,” n.d.

D. Hadad, Muliawan. Perlindungan Dan Pemberdayaan Nasabah Bank Dalam Arsitektur Perbankan Indonesia. Jakarta: Otoritas Jasa Keuangan (OJK), 2014.

Dewi, Fitri Sartina. “Prosedur Penarikan Kendaraan: Ini Hal Yang Perlu Dicermati Nasabah.” Bisnis.com, 2018. https://finansial.bisnis.com/read/20180104/89/723361/prosedur-penarikan-kendaraan-ini-hal-yang-perlu-dicermati-nasabah.

Febriyanti, Wiwin Dwi Ratna. “Eksekusi Objek Jaminan Fidusia Pasca Putusan Mahkamah Konstitusi Nomor 18/PUU-XVII/2019.” Jurnal Hukum Acara Perdata ADHAPER 6, no. 2 (2020): 39–52.

Fuady, Munir. Jaminan Fidusia. 2nd ed. Bandung: PT. Citra Aditya Bakti, 2003.

Hayati, Nur. “Aspek Hukum Pendaftaran Jaminan Fidusia Berdasarkan Undang-Undang Nomor 42 Tahun 1999 Tentang Jaminan Fidusia.” Lex Jurnalica 13, no. 2 (2016).

Hermanto, Edy, and Sigit Irianto. “Perjanjian Pembiayaan Konsumen Dengan Jaminan Fidusia Pada Perusahaan Multifinance.” Notary Law Research 1, no. 1 (2019): 21–49.

Liono, Cliff Edward Fransiscus, Christine Tooy, and Suriyono Suwikrono. “Tinjauan Yuridis Terhadap Penarikan Barang Jaminan Fidusia Secara Paksa Oleh Leasing Melalui Debt Collector Yang Ditinjau Berdasarkan Undang-Undang Nomor 42 Tahun 1999 Tentang Jaminan Fidusia.” Lex Privatum IX, no. 1 (2021): 71–78.

Mayasari, Imaculata Sherly, and Nynda Fatmawati Octarina. “Kedudukan Hukum Pidana Atas Pengambilan Kendaraan Paksa Debitur Oleh Debt Collector Lembaga Pembiayaan.” Jurnal Rechitens 9, no. 2 (2020): 141–52.

Nasution, Bismar. “Penyelesaian Sengketa Alternatif Melalui Mediasi,” n.d.

Pratama, Angga, and Endang Pandamdari. “Analisis Kepastian Hukum Terhadap Hak Eksekutorial Objek Jaminan Fidusia Yang Dimiliki Kreditur Pada Pasal 15 Undang-Undang Nomor 42 Tahun 1999 Tentang Jaminan Fidusia Setelah Putusan Mahkamah Konstitusi Nomor 18/PPU-XVII/2019.” Jurnal Hukum Adigama 3, no. 1 (2020): 643–68.

Putra, Muhammad Ikhsan Awaljon. “Eksekusi Terhadap Benda Jaminan Fidusia Yang Tidak Didaftarkan Pada PT. Capella Multidana.” JOM Fakultas Hukum 3, no. 1 (2016).

Riansyah, Chika Asyifa, Abdul Atsar, and Grasia Kurniati. “Jaminan Fidusia Yang Tidak Didaftarkan Dan Eksekusinya.” Singaperbangsa Law Review (SILREV) 1, no. 1 (2020): 38–65.

Rusli, Tami. “Penyelesaian Sengketa Antara Konsumen Dan Pelaku Usaha Menurut Peraturan Perundang-Undangan.” Fakultas Hukum Universitas Bandar Lampung 3, no. 1 (n.d.).

Warka, Made. “Pengambilan Paksa Kendaraan Bermotor Dan Upaya Hukum Konsumen.” Jurnal Hukum Mimbar Keadilan, 2014, 93–102.

Yani, Subadra. “Perlindungan Hukum Terhadap Debitur Pada Perjanjian Pembiayaan Konsumen Dengan Pembebanan Jaminan Fidusia.” Unes Law Review 3, no. 3 (2020): 299–320.




DOI: https://doi.org/10.15575/adliya.v15i1.9939

Refbacks

  • There are currently no refbacks.


Copyright (c) 2021 Fahmi Ali Ramdhani

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Tools

   

ADLIYA: Jurnal Hukum dan Kemanusiaan indexed by:

   

   

Publisher:

Faculty of Sharia and Law UIN Sunan Gunung Djati Bandung
Jl. Raya A.H. Nasution No. 105 Cibiru Kota Bandung, 40614
Tlp/Fax: +022-7802278 Faks. 022-7802278
E-mail: jurnaladliya@uinsgd.ac.id
URL : https://journal.uinsgd.ac.id/index.php/adliya/index

 

Lisensi Creative Commons

This work is licensed under a Creative Commons Atribusi-Berbagi Serupa 4.0 Internasional.

View My Stats