Analisis yuridis pengalihan objek jaminan fidusia oleh sr, debitur p.t. mybpr bandung, kepada pihak ketiga (studi kasus perjanjian kredit nomor: 0501/pk/kmb/08/2018)
Info Katalog
File Repositori
Penerbit : FH - Usakti
Kota Terbit : Jakarta
Tahun Terbit : 2026
Pembimbing 1 : Suci Lestari Halim
Kata Kunci : Financial Institution Law, Fiduciary Guarantee Law, Transfer of Fiduciary Guarantee Objects to Third
Status Posting : Published
Status : Lengkap
File Repositori
| No. | Nama File | Hal. | Link |
|---|---|---|---|
| 1. | 2026_SK_SHK_010002200219_Halaman-Judul.pdf | ||
| 2. | 2026_SK_SHK_010002200219_Surat-Pernyataan-Revisi-Terakhir.pdf | 1 | |
| 3. | 2026_SK_SHK_010002200219_Surat-Hasil-Similaritas.pdf | 1 | |
| 4. | 2026_SK_SHK_010002200219_Halaman-Pernyataan-Persetujuan-Publikasi-Tugas-Akhir-untuk-Kepentingan-Akademis.pdf | 1 | |
| 5. | 2026_SK_SHK_010002200219_Lembar-Pengesahan.pdf | 1 | |
| 6. | 2026_SK_SHK_010002200219_Pernyataan-Orisinalitas.pdf | 1 | |
| 7. | 2026_SK_SHK_010002200219_Formulir-Persetujuan-Publikasi-Karya-Ilmiah.pdf | 1 | |
| 8. | 2026_SK_SHK_010002200219_Bab-1.pdf | ||
| 9. | 2026_SK_SHK_010002200219_Bab-2.pdf |
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| 10. | 2026_SK_SHK_010002200219_Bab-3.pdf |
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| 11. | 2026_SK_SHK_010002200219_Bab-4.pdf |
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| 12. | 2026_SK_SHK_010002200219_Bab-5.pdf | ||
| 13. | 2026_SK_SHK_010002200219_Daftar-Pustaka.pdf | ||
| 14. | 2026_SK_SHK_010002200219_Lampiran.pdf |
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S Suatu sengketa dapat timbul karena tindakan pengalihan objek jaminan fidusia oleh debitur kepada pihak ketiga. permasalahan dalam penelitian ini : 1. kapan pengalihan objek jaminan fidusia antara p.t. mybpr bandung dengan debitur sr dan antara debitur sr dengan pihak ketiga?, 2. apakah pengalihan objek jaminan fidusia oleh debitur sr kepada pihak ketiga merupakan perbuatan melawan hukum atau wanprestasi? penelitian hukum ini bertipe normatif, bersifat deskriptif, data sekunder sebagai data utama didukung wawancara, pengumpulan data dengan studi kepustakaan, dianalisis secara kualitatif dan penarikan kesimpulan deduktif. kesimpulan: pengalihan objek jaminan fidusia secara yuridis antara sr dengan p.t. mybpr bandung lahir saat terbitnya sertifikat jaminan fidusia (pasal 14 uu jf) namun pengalihan secara fisik tidak ada, lalu pengalihan secara yuridis antara sr dengan pihak ketiga tidak penulis dapatkan informasi dari bank dan tidak ada persetujuan tertulis dari p.t. mybpr bandung bahkan bank baru mengetahui adanya pengalihan fisik pada 17 juni 2021, sr seharusnya melunasi utangnya dahulu ke kreditur. pengalihan objek jaminan fidusia oleh debitur sr merupakan wanprestasi. dalam pasal 4 perjanjian kredit sebagai perjanjian utamanya diatur bahwa sr harus melunasi utangnya, lalu dalam pasal 5 jaminan fidusia sebagai perjanjian tambahannya diatur bahwa pengalihan harus melalui persetujuan kreditur. saran: sr sebaiknya melunasi hutangnya dahulu kepada kreditur sebelum melakukan pengalihan objek jaminan fidusia kepada pihak ketiga dan sr diharapkan berhati-hati melakukan tindakan yang berpotensi melawan hukum dan wanprestasi.
A A dispute may arise due to the transfer of fiduciary collateral by the debtor to a third party. the issues in this study are: 1. when did the transfer of fiduciary collateral between p.t. mybpr bandung and the debtor sr and between the debtor sr and the third party take place? 2. is the transfer of fiduciary collateral by the debtor sr to the third party an unlawful act or a breach of contract? this legal research is normative in nature, descriptive in nature, with secondary data as the main data supported by interviews, data collection through literature study, analyzed qualitatively, and deductive conclusions drawn. conclusion: the legal transfer of fiduciary collateral between sr and p.t. mybpr bandung took place when the fiduciary collateral certificate was issued (article 14 of the fiduciary law), but there was no physical transfer. furthermore, the author was unable to obtain information from the bank regarding the legal transfer between sr and the third party, and there was no written approval from p.t. mybpr bandung, and the bank only became aware of the physical transfer on june 17, 2021. sr should have first settled its debt to the creditor. the transfer of the fiduciary collateral by the debtor sr constitutes a breach of contract. article 4 of the credit agreement as the main agreement stipulates that sr must repay the debt, while article 5 of the fiduciary collateral as the additional agreement stipulates that the transfer must be approved by the creditor. recommendation: sr should first repay its debt to the creditor before transferring the fiduciary collateral to a third party, and sr is advised to exercise caution in taking actions that may be unlawful and constitute a breach of contract.
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