Hasil Pencarian  ::  Simpan CSV :: Kembali

Abstrak :
[ABSTRAK
Tesis ini membahas tentang pelaksanaan eksekusi jaminan melalui lelang yang dilaksanakan oleh PT Bank Mega Tbk Bandung sebagai penyelesaian kredit bermasalah.Tujuan dilakukannya penulisan Tesis ini adalah untuk mengetahui dan menganalisa prosedur eksekusi lelang jaminan yang dilakukan oleh PT Bank Mega Tbk Bandung, juga untuk mengetahui mengenai prosedur penetapan harga limit barang jaminan yang merupakan nilai limit untuk suatu pelelangan jaminan. Penelitian ini menggunakan metode deskriptif analitis yang melukiskan fakta-fakta hukum yang ada dan di hubungkan dengan hukum jaminan khususnya jaminan kebendaan dalam perjanjian kredit di perbankan. Berdasarkan hasil penelitian yang dilakukan, Penulis dapat mengetahui bahwa meskipun terdapat kendala dalam pelaksanaan prakte eksekusi Hak Tanggungan yang dilakukan oleh PT Bank Mega Tbk Bandung, namun pratek eksukusi HakTanggungan dapat berperan baik dalam menyelesaikan kredit bermasalah. Penulis juga menyimpulkan bahwa terdapat inkonsistensi pengaturan dalam praktek eksekusi Hak Tanggungan dalam Undang-Undang Hak Tanggungan. Berdasarkan hasil penelitian yang dilakukan, Penulis menyarankan agar pihak pembuat undang-undang membuat peraturan pelaksanaan dari Undang-Undang Hak Tanggungan agar peraturan ini lebih memberikan kepastian hukum dan juga menjadi peraturan yang lebih efektif. Penulis juga melakukan penelitian mengenai prosedur penetapan limit barang jaminan, di mana dalamkasus ini, pihak debitor mengalami kerugian akibat penetapan harganya dibawah harga pasar wajar. Penulis juga menyimpulkan bahwa pembentukkan nilai limit dipengaruhi oleh beberapa faktor yang cukuppenting, seperti penunjukkan kantor penilai yang independen, penggunaan media dalam pengumuman lelang dan tatacara pelelangan. Penulis juga berkesimpulan bahwa kedudukan kreditor yang sangat kuat, sering kali menempatkan debitor dalam kedudukan yang tidakseimbang. Peranan pemerintah dalam pembuatan undangundang yang dapat melindungi keduabelah pihak, sangatlah ditunggu oleh masyarakat

---

ABSTRACT
This thesis focuses and analyzes the implementation of the self-enforcement of Hak Tanggungan carried out by PT Bank Mega, Tbk, Bandung, as an alternative settlement of non-performing loan. The purposes of this thesis are to investigate and analyze the role of the self-enforcement of Hak Tanggungan in resolving non-performing loan. It also focuses on obstacles encountered, and analyzis the consistency of self enforcement arrangements in Indonesia Law of HakTanggungan . This thesis is using analytical descriptive study that describes the legal fact relating to security law especially for material in credit agreement in banking. Based on the result of research conducted, the Author is able to know that although there are obstacles in the implementation of the self-enforcement of Hak Tanggungan by PT Bank Mega Tbk Bandung, the self-enforcementof Hak Tanggungan play a significant role in solving the non-performing loans. The Author also concluded that there is inconsistency of self-enforcement arrangement in Indonesian Law of Hak Tanggungan. Based on the resultof the research, the Author suggests that the government should make detail regulation to implement the law of Hak Tanggungan. This could increase the legal certainty of the process and to the all parties that involved in the process. Another interesting point in this thesis is about the reserve price collateral value, which in this case, the debtor suffered losses due to pricing below market price. It is also concluded that the minimum value formation is influenced by several factors, such as the appointment of an independent valuer, the use of media in the auction advertisement and procedures for the auction. The authors also concluded that the position of creditors is very strong, often putting debtors in a weaker position. In this respect the role of government and law maker in making fairer and more balance regulation is needed in order to protect both parties., This thesis focuses and analyzes the implementation of the self-enforcement of Hak Tanggungan carried out by PT Bank Mega, Tbk, Bandung, as an alternative settlement of non-performing loan. The purposes of this thesis are to investigate and analyze the role of the self-enforcement of Hak Tanggungan in resolving non-performing loan. It also focuses on obstacles encountered, and analyzis the consistency of self enforcement arrangements in Indonesia Law of HakTanggungan . This thesis is using analytical descriptive study that describes the legal fact relating to security law especially for material in credit agreement in banking. Based on the result of research conducted, the Author is able to know that although there are obstacles in the implementation of the self-enforcement of Hak Tanggungan by PT Bank Mega Tbk Bandung, the self-enforcementof Hak Tanggungan play a significant role in solving the non-performing loans. The Author also concluded that there is inconsistency of self-enforcement arrangement in Indonesian Law of Hak Tanggungan. Based on the resultof the research, the Author suggests that the government should make detail regulation to implement the law of Hak Tanggungan. This could increase the legal certainty of the process and to the all parties that involved in the process. Another interesting point in this thesis is about the reserve price collateral value, which in this case, the debtor suffered losses due to pricing below market price. It is also concluded that the minimum value formation is influenced by several factors, such as the appointment of an independent valuer, the use of media in the auction advertisement and procedures for the auction. The authors also concluded that the position of creditors is very strong, often putting debtors in a weaker position. In this respect the role of government and law maker in making fairer and more balance regulation is needed in order to protect both parties.]

Abstrak :
ABSTRAK
Penelitian ini menggunakan metode penelitian kepustakaan dengan data sekunder sebagai sumber datanya. Yang menjadi pokok permasalahan yang dibahas adalah kewenangan pelaksanaan lelang eksekusi secara mandiri atas objek jaminan fidusia oleh PERUM Pegadaian. Permasalahan tersebut dianalisis dengan menggunakan pendekatan kualitatif yang disusun secara deskriptif analitis. Lelang Eksekusi merupakan bentuk dari penegakan hukum (law enforcement) yang dilakukan oleh negara dalam hal ini oleh Kantor Pengurusan Piutang dan Lelang Negara (KP2LN), hal ini tegas diatur dalam Vendu Reglement stbl no 189 tahun 1908, Vendu Instructie stbl No 190 tahun 1908 beserta peraturan pelaksana lainnya yang dikeluarkan olen Menteri Keuangan. Sebagai hasil penelitian dapat disimpulkan bahwa PERUM Pegadaian memiliki kewenangan untuk melakukan lelang eksekusi secara mandiri tanpa campur tangan KP2LN berdasarkan ketentuan lex specialist yang diatur dalam Pandhuis Reglement stbl No 81 Tahun 1928 yang menyatakan bahwa Hoofdt Pandhuisdienst (Direktur Pegadaian) berhak mengatur sendiri lelang yang dilakukan oleh Pegadaian. Meskipun pada awalnya ketentuan ini dimaksudkan terbatas untuk objek jaminan gadai yang ada di PERUM Pegadaian,namun seiring perkembangan bisnis PERUM Pegadaian juga menyalurkan kredit dengan jaminan fidusia. Terhadap objek jaminan fidusia inipun PERUM Pegadaian berwenang melelang objek jaminan fidusia tersebut secara mandiri. Karena previllege yang diberikan Vendu Reglement dan Pandhuis Reglement adalah bertolak pemberian kewenangan kepada institusi Pegadaian nya bukan bertumpu khusus pada objek jaminan gadai. Sepanjang anggaran dasar perusahaan memperbolehkan PERUM Pegadaian melakukan pengikatan jaminan di luar jaminan gadai maka Pegadaian sah dan berwenang melakukan lelang secara mandiri.

---

ABSTRACT
This research used library research which secondary data as its data resources. The main discussion point is PERUM Pegadaian Authority on Fiducia collateral object. This research is analyzed by description methode. Auction is a government law enforcement which is operated by Kantor Pengurusan Piutang dan Lelang Negara (KP2LN), strictly regulated in Vendu Reglement staablaad No 189 Year 1908., Vendu Instructie Stbl no 190 Year 1908 and Ministry of Finance regulations. This study result showed that PERUM Pegadaian has the Independent Executionary Auction Authority outside KP2LN intervention based on Lex specialist which stated in Pandhuist Reglement stbl No 81 1928 that Pegadaian President Director has the right to arrange Pegadaian auction independently. Though on its first application this regulation limited to its pawn collateral only, due to its business development PERUM Pegadaian provide fiduaciary loan services for public, this causes Pegadaian has the authority to do an Independent Auction Excecution. Due to its privilege given by Vendu Reglement and Pandhuis Reglement, Perum Pegadaian authority is not only on its collateral pawn object. As long as the statute institution allowed PERUM Pegadaian to charge collateral outside its pawn business, Pegadaian legally has the Independent Auction Excecution Authority.