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"Tesis ini membahas mengenai eksistensi Surat Kuasa Memasang Jaminan Fidusia (SKMJF) yang diberlakukan di PT. Bank UOB Indonesia (Bank UOB Indonesia). Hasil penelitian dalam penulisan ini yaitu Pengikatan jaminan untuk barangbarang yang dapat diikat dengan jaminan fidusia, dalam prakteknya di Bank UOB Indonesia, tidak selamanya menggunakan Akta Jaminan Fidusia (AJF), akan tetapi kadang-kadang diikat dengan SKMJF yang dibuat dengan akta dibawah tangan. Eksistensi pengikatan jaminan dengan SKMJF diantaranya dilakukan untuk barang jaminan berupa mesin. Hal tersebut disebabkan pembelian mesin dilakukan secara indent. Oleh karena tidak dapat dipastikan bahwa debitur dapat hadir kembali untuk menandatangani AJF dihadapan Notaris pada tanggal tibanya mesin yang dibiayai oleh Bank UOB Indonesia. Berdasarkan SKMJF tersebut pihak bank disamping sebagai pihak pemberi kuasa juga sebagai pihak penerima kuasa dalam AJF. Dengan SKMJF tersebut, jaminan fidusia tidak didaftarkan, sehingga tidak mendapatkan perlindungan hukum bagi Bank UOB Indonesia. Berdasarkan Pasal 20 dan 21 Undang-Undang Fidusia dalam hal debitur pemberi fidusia cidera janji maka bank UOB Indonesia tidak berkedudukan sebagai kreditur preferen yang berhak diutamakan pelunasan piutangnya dari hasil penjualan objek jaminan fidusia dari kreditur lainnya.

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The Thesis to study the existence of Power of Attorney to Impose Fiduciary Right which applied at PT Bank UOB Indonesia (Bank UOB Indonesia). Result of research in this article is to impose of security agreement for collateral which able to be imposed by fiduciary right that in the fact at Bank UOB Indonesia, not longer with Deed to Impose Fiduciary Right but some cases to be imposed by the Power of Attorney to Impose Fiduciary Right which made in gentle agreement. The existance of Power of Attorney to Impose Fiduciary Right for machine collateral. Its caused purchase of machine conducted with indent and cannot to be made sure that debtor able re-attend to sign Deed to Impose Fiduciary Right before Notary on date of machine arrives which financed by Bank UOB Indonesia. Based on Power of Attorney to Impose Fiduciary Right whereby Bank besides as principal also as Attorney in Deed of Securiry of Fiduciary Power of attorney is not registered therefore BANK UOB Indonesia as the principal didn't receive any legal protection. Based on Article 20 and 21 of Law of Fiduciary that in case of debtor default on credit agreement, Bank UOB Indonesia as preference creditor entitle to be prioritized for payment from sale result of collateral then other creditor."

"Ditemukan dalam suatu putusan Mahkamah Agung Republik Indonesia Nomor 89/K/Pdt/2016 kreditur mohon eksekusi benda yang menjadi objek jaminan fidusia tidak sesuai dengan peraturan perundang ndash;undangan. Kreditur dalam putusan juga mohon sita eksekusi atas harta benda debitur yang sudah dibebankan dengan Hak Tanggungan oleh kreditur lain, untuk pelunasan piutang yang pelunasannya sudah dijaminkan dengan Jaminan Fidusia. Rumusan permasalahan dalam skripsi ini adalah bagaimana ketentuan tentang pelaksanaan eksekusi jaminan fidusia dan bagaimana kesesuaian permohonan eksekusi oleh kreditur penerima jaminan fidusia atas objek jaminan fidusia dan harta benda debitur yang telah dijaminkan dengan hak tanggungan menurut ketentuan pelaksanaan eksekusi jaminan fidusia pada putusan Mahkamah Agung Republik Indonesia Nomor 89/K/Pdt/2016. Tujuan penelitian skripsi ini adalah mengetahui dan menganalisis permohonan eksekusi oleh kreditur penerima jaminan fidusia atas objek jaminan fidusia dan kebendaan milik debitur yang telah dijaminkan dengan hak tanggungan. Metode penelitian pada skripsi ini adalah yuridis normatif dengan menganalisis undang ndash; undang dan yuripsrudensi mahkamah agung untuk menentukan apakah sudah tepat permohonan eksekusi kreditur pemegang jaminan fidusia atas objek jaminan fidusia dan kebendaan milik debitur yang sudah dijaminkan dengan hak tanggungan kepada kreditur lain. Dari hasil penelitian, dapat disimpulkan bahwa pelaksanaan eksekusi jaminan fidusia, lelang eksekusi objek jaminan dan dalam hal pemberi Fidusia tidak bersedia menyerahkan benda yang menjadi objek Jaminan Fidusia, penerima Fidusia mengambil objek Jaminan Fidusia dengan bantuan pihak yang berwenang sudah diatur saat ini berdasarkan hukum positif. Permohonan eksekusi oleh kreditur penerima jaminan fidusia atas objek jaminan fidusia dan kebendaan milik debitur yang telah dijaminkan dengan hak tanggungan kepada kreditur lain pada putusan Mahkamah Agung Republik Indonesia Nomor 89/K/Pdt/2016 adalah tidak tepat, menurut sifat kedudukan kreditur pemegang jaminanan kebendaan berdasarkan Undang ndash; Undang Jaminan Fidusia dan Undang ndash; Undang Hak Tanggungan. Hasil penelitian menyarankan bahwa kreditur pemegang jaminan fidusia seharusnya memahami hak ndash; hak yang timbul atas jaminan kebendaan yang telah diletakkan terhadap perikatan pokok antara krditur dan debitur.

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It is found in a verdict of the Supreme Court of the Republic of Indonesia No 89 K Pdt 2016, that the request of an execution of objects by creditor which is the object of fiduciary security is not in accordance with legislation. Creditors in the verdict also request the execution of the confiscation of property of the debtor that has been charged by Indonesian Security Right upon Land by another creditor, for the repayment that has been secured by the Fiduciary Security. The research problem in this thesis is how is the provisions on the execution of fiduciary security and how the application of the execution that is request by creditor for the object of fiduciary security and property of the that has been secured by security rights under the terms of the execution of fiduciary is accordance with the prevailing law. The purpose of this thesis research is to learn and analyse the application of execution by creditors which receive the fiduciary security for the object of fiduciary and property of the debtor who has been pledged with mortgage rights. The research method in this thesis is normative judicial method with analysing the regulation and jurisprudence of supreme court to determine whether the application of execution creditor holders of fiduciary and material objects belonging to the debtor that has been secured by deed of mortgage to another lender is in accordance with the law.

From the results, it can be concluded that the execution of the fiduciary, tender execution security object and in terms of giving Fiduciary is not willing to give up things that become the object of Fiduciary, the receiver Fiduciary retrieve fiduciary objects with the help of the authorities that has been set at this time is based on the positive law. Request of an execution by creditors that receive fiduciary security on fiduciary objects and material belonging to the debtor which has been secured by deed of mortgage to another lender in the decision of the Supreme Court of the Republic of Indonesia Number 89 K Pdt 2016 is not appropriate, according to the nature of the position of creditors holders of Guarantees material based The Fiduciary Security Act and the Insurance Rights Act. The results suggest that fiduciary lenders should understand the rights arising from material security that has been laid against the principal bond between the creditor and the debtor. "

"Ketentuan Pasal 15 UU 42/1999 tentang Jaminan Fidusia khususnya yang mengatur mengenai frasa “kekuatan eksekutorial”, menimbulkan berbagai permasalahan terkait dengan pelaksanaan eksekusi jaminan fidusia. Adanya Putusan Mahkamah Konstitusi yang mengabulkan sebagian permohonan para Pemohon mengenai ketentuan eksekusi jaminan fidusia, dimana kekuatan eksekutorial hanya dapat dijalankan apabila terdapat kesepakatan antara debitur dan kreditur bahwa debitur telah melakukan cidera janji, dan apabila tidak ada kesepatan dan debitur keberatan menyerahkan secara sukarela objek jaminan fidusia maka segala mekanisme pelaksanaan eksekusi harus dilakukan melalui Pengadilan. Putusan tersebut menarik perhatian Penulis untuk meneliti bagaimanakah pelaksanaan eksekusi jaminan fidusia di Bank BNI Syariah sebelum dan sesudah putusan Mahkamah Konstitusi Nomor 18/PUU-XVII/2019. Untuk itu agar dapat memecahkan permasalahan ini, penulis menggunakan bentuk penelitian yuridis normatif yang bersifat deskriptif analitis, dan didukung oleh data sekunder. Selain itu, penelitian ini menggunakan pendekatan kualitatif dalam menganalisa data yang diperoleh dari studi literatur dan hasil wawancara. Berdasarkan hasil penelitian tersebut, disimpulkan bahwa putusan Mahkamah Konstitusi dapat berdampak pada jalannya bisnis pembiayaan, oleh sebab kreditur harus lebih selektif dalam memberikan pembiayaan kepada calon debitur guna mencegah adanya “debitur nakal” yang berusaha berlindung atau memanfaatkan ketentuan baru sehubungan dengan eksekusi jaminan fidusia dari putusan Mahkamah Konstitusi ini untuk memperoleh keuntungan.

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The provisions of Article 15 of Law 42/1999 on Fiduciary Security, particularly those that regulate the phrase "executorial power", causes various problems related to the implementation of fiduciary security. There was a Constitutional Court Decision which partially granted the Petitioners' petition regarding the provisions for the execution of fiduciary security, where executorial power can only be exercised if there is an agreement between the debtor and creditor that the debtor has committed a breach of contract, and if there is no agreement and the debtor objected to voluntarily hand over the object of the fiduciary security then all mechanisms for carrying out the execution must be carried out through the Court. This decision attracted the attention of the author to examine how the execution of fiduciary security at Bank BNI Syariah before and after the Constitutional Court decision Number 18/PUU-XVII/2019. For this reason, in order to solve this problem, the author uses a form of normative juridical research which in character of descriptive analytical, and is supported by secondary data. In addition, this study uses a qualitative approach in analyzing data obtained from literature studies and interviews. Based on the results of this study, it is concluded that the Constitutional Court's decision could have an impact on the running of the financing business, because creditors must be more selective in providing financing to prospective debtors in order to prevent “bad debtors” who seek to take shelter or take advantage of the new provisions in connection with the execution of fiduciary security of decisions of this Constitutional court change of provisions."

"ABSTRAKDalam menjalankan fungsi intermediasi sebagai pemberi kredit, disamping fungsipengerahan dana (mobilisasi dana) bank harus bertindak hati-hati, prudent,mempertimbangkan asas-asas perkreditan yang sehat. Setiap kredit yangdisalurkan kepada pengusaha selalu mengandung resiko, bank wajibmempertimbangkan untuk melakukan antisipasi pengamanan. Bentukpengamanan kredit dalam praktek perbankan dilakukan dengan pengikatanjaminan. Hukum positif mengenal jaminan kebendaan fidusia, sebagai lembagajaminan yang memberikan hak preferens bagi bank. Surat kuasa memasangfidusia tidak dikenal dalam Undang-undang Jaminan Fidusia no. 42 tahun 1999namun dipraktekan di PT. BPR Duta Pakuan Mandiri dan berdasarkan surat kuasatersebut bisa dibuatkan oleh notaris akta fidusia dan dapat menerbitkan sertifikatjaminan fidusia. Dalam melakukan penelitian, peneliti memakai bentuk penelitianyuridis normative bertujuan mendalami penerapan peraturan hukum positif dalampraktek perbankan untuk menemukan kebenaran berdasarkan logika keilmuan.

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ABSTRACTTo execute intermediation function of lender, besides of fund mobilization(mobilization of fund) bank shall be cautious, prudent, considering the principlesof healthy credit. Each lending that is deliver to the entrepreneurs is always havea risk, bank must consider to applying the anticipation. Means of security credit inbanking practice is performed by binding collateral. The positive lawacknowledge of fiduciary material security, as collateral institution that givepreferential right for the bank. The power of attorney for fiduciary is unknown infiduciary law number 42 of 1999 but it’s have been used at PT. BPR Duta PakuanMandiri Bogor and base on power of attorney notary can execute fiduciary deedand issued the certificate of fiduciary. In this research, researcher used anormative juridical research, research that aims to explore the positive legalapplication in banking practice to find the truth based on scientific logic on thenormative side."

"Korporasi telah menjadi bagian penting dalam kehidupan masyarakat dewasa ini dan sebagai salah satu akibatnya mempengaruhi organisasi ekonomi. Perubahan dalam organisasi ekonomi tidak selalu membawa pengaruh yang positif, bahkan berpotensi menimbulkan kejahatan. Korporasi telah menjadi subjek hukum, baik tindak pidana umum maupun tindak pidana khusus di negara lain, seperti Belanda, Amerika Serikat dan Inggris. Akan tetapi, kejahatan yang dilakukan korporasi di Indonesia hanya terbatas pada tindak pidana khusus saja, seperti tindak pidana lingkungan hidup dan tidak bisa diaplikasikan kepada tindak pidana umum. Contoh nyata bahwa korporasi sangat lekat dengan tindak pidana umum adalah kejahatan yang dilakukan terhadap Irzen Octa dan Muji Harjo, oleh individu yang bekerja di bawah korporasi. Tanpa diakuinya korporasi sebagai subjek hukum pidana oleh KUHP maka korporasi akan lepas dari pertanggungjawabannya. Meskipun korporasi bukan menjadi subjek hukum dalam KUHP, perlakuan tidak menyenangkan dan penganiayaan yang dialami para korban selayaknya dapat diminta pertanggungjawabannya kepada korporasi. Untuk menentukan bagaimana korporasi dapat bertanggung jawab digunakan doktrin pertanggungjawaban korporasi. Selain itu, tindak pidana umum yang diatur dalam KUHP dikaji apakah korporasi dapat dimintakan pertanggungjawabannya atas tindak pidana tersebut menggunakan doktrin pertanggungjawaban korporasi.

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Corporation has become an important part of the society nowadays, and as a result, corporation affect economy organisation. Changes beneath an economy organisation has not always bring a positive effect, in fact it has a strong influent to commit crime. Corporation itself has become a subject of law, both in general crime and specific crime in other country, such as Holland, United States, and United Kingdom. Even though other country has received corporation as its subject, Indonesia only recognized corporation as a subject of specific crime only, for example, environmental crime. Corporation has not being recognized as a subject in general crime. One of the obvious example that shown corporation has a close relation with general crime is the case of Irzen Octa and Muji Harjo. Both persons suffer from criminal act perform by individual that has a connection with corporation. Without an acknowledgment as a subject in Indonesia Penal Code, crimes that both victims suffer would never let corporation be held liable. To determine how corporation could be held liable, then it must be analyse with corporate liability doctrine. On the other hand, general crime in Indonesia Penal Code would be examined whether every single crime inside the Code could be committed by corporation by utilizing coporate liability doctrine."

"Tesis ini membahas banyaknya perjanjian kredit yang bermasalah antara bank dengan nasabah yang menggunakan fidusia sebagai jaminannya. Jaminan fidusia harus dibuat dengan akta jaminan fidusia oleh Notaris agar mempunyai kepastian hukum. Akan tetapi, permasalahan sering timbul karena objek jaminan fidusia yang didaftarkan telah beralih, hilang, atau diperjualbelikan oleh debitur tanpa sepengetahuan kreditur sehingga mempersulit proses eksekusinya. Penelitian ini menganalisis kekuatan akta jaminan fidusia dalam perjanjian kredit yang dibuat oleh Notaris serta memberikan penjelasan mengenai penyelesaian yang dilakukan oleh para pihak ketika terjadi permasalahan proses eksekusi pada objek jaminan fidusia antara Perseroan Terbatas X dan Bank X di Kota Bekasi. Metode penelitian yang digunakan adalah yuridis normatif dengan tipologi penelitian yang bersifat deskriptif-analitis. Selain itu, data didukung dengan wawancara. Hasil penelitian adalah penyelesaian eksekusi dalam kasus tersebut dapat dilaksanakan melalui metode parate eksekusi. Selain itu, debitur diwajibkan untuk mengganti objek jaminan fidusia yang sama nilainya dengan yang telah diperjualbelikan olehnya.

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This thesis discusses the number of problematic credit agreements between banks and customers in which they are using fiduciary as a collateral. Fiduciary guarantee must be made by fiduciary guarantee deed by Notary in order to have legal certainty. However, problems often arise because the registered fiduciary security object has been switched, lost, or traded by the debtor without the knowledge of the creditor making it difficult to execute. This research aims to analyze the strength of the fiduciary guarantee deed in the credit agreement made by the Notary and provide an explanation of the settlement made by the parties when the execution process occurs on the object of fiduciary guarantee between PT X and Bank X in Bekasi City. The research method that being used is normative juridis with analytical-descriptive for the research tipology. Furthermore, interview is taken place for the better result data. The result of this research is that the completion of execution in this case can be executed through the execution parate method. In addition, the debtor is required to substitute a fiduciary guarantee object of the same value as it has been traded by debtor."

"Dalam rangka meningkatkan efektivitas dan efisiensi pencapaian tujuan strategis bank, bank dimungkinkan menggunakan pihak penyedia jasa teknologi informasi dalam menyelenggarakan kegiatan teknologi informasi bank. Penggunaan pihak penyedia jasa teknologi informasi dapat mempengaruhi risiko bank antara lain risiko operasional, hukum, reputasi dan stratejik. Dalam hal penyelenggaraan teknologi informasi bank dilakukan oleh pihak penyedia jasa teknologi informasi, bank harus memiliki prinsipprinsip penggunaan penyedia jasa teknologi informasi, salah satunya adalah penggunaan penyedia jasa teknologi informasi harus didasarkan pada hubungan kerja sama secara wajar, dalam hal pihak penyedia jasa teknologi informasi merupakan pihak terkait dengan bank. Hubungan kerja sama secara wajar adalah kondisi dimana transaksi antar pihak bersifat independen sebagaimana pihak yang tidak terkait, antara lain memiliki kesetaraan dan didasarkan pada harga pasar yang wajar sehingga meminimalisasi terjadinya benturan kepentingan. Pihak terkait adalah perseorangan atau perusahaan yang mempunyai hubungan pengendalian dengan bank, baik secara langsung maupun tidak langsung, melalui hubungan kepemilikan, kepengurusan, dan/atau keuangan. Pokok permasalahan yang akan dibahas adalah mengenai penerapan perjanjian kerjasama secara wajar antara bank umum dengan pihak terkait dan konsekuensi hukum bagi bank umum apabila tidak menerapkan arms length principle pada perjanjian penggunaan penyedia jasa teknologi informasi dengan pihak terkait.

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In order to increase the effectiveness and efficiency of achieving banks strategic objectives, banks are allowed to use information technology service providers in carrying out banks information technology activities. The use of information technology service providers can influence bank risks including operational, legal, reputation and strategic risks. In the event that the implementation of bank information technology is carried out by the provider of information technology services, banks must have the principles of using information technology service providers, one of which is the use of information technology service providers must be based on arms length principle, in the event that the provider of information technology services is a party related to the bank. Arms length principle is a condition where transactions between parties are as independent as unrelated parties, including having equality and based on fair market prices so as to minimize conflicts of interest. Related parties are individuals or companies that have control relationships with banks, both directly and indirectly, through ownership, management, and or financial relationships. The main issues to be discussed in this research are implementation against the arms length agreement between commercial banks with related party and legal consequences for commercial banks if they dont implement arms length principle into the agreement on use of information technology service provider with related party."

"[ABSTRAKPerekonomian bangsa Indonesia pada dasarnya dipengaruhi oleh beberapa faktorbaik dalam skala makro maupun mikro. Kegiatan pinjam meminjam uang telahdilakukan sejak lama dalam kehidupan masyarakat yang telah mengenal uangsebagai alat pembayaran. Bank merupakan lembaga yang menyediakan dana bagimasyarakat yang membutuhkan, karena keberadaannya harus bermanfaat bagimasyarakat luas, bank juga melakukan pemberian kredit modal kerja dengantujuanya adalah untuk meningkatkan taraf kehidupan masyarakat khususnyadalam usaha mikro kecil dan menengah. Oleh karena itu, Penulis bertujuan untukmengetahui bagaimana proses pengikatan jaminan sebagai syarat diberikannyakredit oleh bank dan keabsahan pengikatan jaminan non fixed asset pada PT. BankM cabang Kota Tasikmalaya. Metode penelitian yang digunakan dalam penelitianini bersifat deskriptif analitis dengan pendekatan yuridis normatif. Data yangdiperoleh dianalisis dengan metode kualitatif. Melalui penelitian ini, dapatdiketahui bahwa pengikatan jaminan non fixed asset dengan cara cessieseharusnya didaftarkan pada lembaga jaminan fidusia. Keabsahan pengikatanjaminan tersebut dianggap sah apabila tidak bertentangan dengan undang-undangdan kaidah dalam hukum jaminan kebendaan.ABSTRACTBasically, Indonesia?s economic matters are influenced by many factors both inmacro and micro scale. Since money known as the medium of exchange, moneylending activities had been done by public in their daily life for years. Bank is aninstitution that provides fund for those who need it. Because of its beneficialpurposes, bank also provides lending capital loan in order to increase people?sliving standards especially in micro small medium enterprises. Therefore, thisresearch is aimed to know the process of collateral binding as the requirement ofgetting credit and the validity of non fixed asset collateral binding at PT. Bank MTasikmalaya. The research method is analytic descriptive with juridical normativeapproach. The data collected are analyzed by qualitative method. By this research,it can be known that non fixed asset collateral binding using cassie is supposed tobe registered to the fiduciary collateral institution. The validity of that collateralbinding is regarded oficially if it is not contradicted with the regulations and theprinciple of collateral warranty law.;Basically, Indonesia?s economic matters are influenced by many factors both inmacro and micro scale. Since money known as the medium of exchange, moneylending activities had been done by public in their daily life for years. Bank is aninstitution that provides fund for those who need it. Because of its beneficialpurposes, bank also provides lending capital loan in order to increase people?sliving standards especially in micro small medium enterprises. Therefore, thisresearch is aimed to know the process of collateral binding as the requirement ofgetting credit and the validity of non fixed asset collateral binding at PT. Bank MTasikmalaya. The research method is analytic descriptive with juridical normativeapproach. The data collected are analyzed by qualitative method. By this research,it can be known that non fixed asset collateral binding using cassie is supposed tobe registered to the fiduciary collateral institution. The validity of that collateralbinding is regarded oficially if it is not contradicted with the regulations and theprinciple of collateral warranty law.;Basically, Indonesia?s economic matters are influenced by many factors both inmacro and micro scale. Since money known as the medium of exchange, moneylending activities had been done by public in their daily life for years. Bank is aninstitution that provides fund for those who need it. Because of its beneficialpurposes, bank also provides lending capital loan in order to increase people?sliving standards especially in micro small medium enterprises. Therefore, thisresearch is aimed to know the process of collateral binding as the requirement ofgetting credit and the validity of non fixed asset collateral binding at PT. Bank MTasikmalaya. The research method is analytic descriptive with juridical normativeapproach. The data collected are analyzed by qualitative method. By this research,it can be known that non fixed asset collateral binding using cassie is supposed tobe registered to the fiduciary collateral institution. The validity of that collateralbinding is regarded oficially if it is not contradicted with the regulations and theprinciple of collateral warranty law., Basically, Indonesia’s economic matters are influenced by many factors both inmacro and micro scale. Since money known as the medium of exchange, moneylending activities had been done by public in their daily life for years. Bank is aninstitution that provides fund for those who need it. Because of its beneficialpurposes, bank also provides lending capital loan in order to increase people’sliving standards especially in micro small medium enterprises. Therefore, thisresearch is aimed to know the process of collateral binding as the requirement ofgetting credit and the validity of non fixed asset collateral binding at PT. Bank MTasikmalaya. The research method is analytic descriptive with juridical normativeapproach. The data collected are analyzed by qualitative method. By this research,it can be known that non fixed asset collateral binding using cassie is supposed tobe registered to the fiduciary collateral institution. The validity of that collateralbinding is regarded oficially if it is not contradicted with the regulations and theprinciple of collateral warranty law.]"