AKIBAT HUKUM MUSNAHNYA OBJEK JAMINAN KREDIT BANK DARI BENCANA ALAM
Abstract
Karya ilmiah ini bertujuan melakukan pemberian rasa paham mengenai akibat hukum musnahnya objek jaminan akibat bencana alam dalam perjanjian kredit di bank dan untuk mengetahui penyelesaian permasalahan musnahnya objek jaminan akibat bencana alam dalam perjanjian kredit di bank secara ius constituendum. Metode yang dipergunakan pada artikel terkait akibat hukum musnahnya objek jaminan akibat bencana alam dalam perjanjian kredit di bank ini yakni penelitian hukum dengan jenis yuridis-normatif, dengan pendekatan perundang-undangan dalam melakukan analisa kekosongan norma pada artikel ini. Temuan dari pada karya ilmiah ini yakni akibat hukum musnahnya objek jaminan akibat bencana alam dalam perjanjian kredit di bank menurut aturan UUPA yang melakukan pengaturan mengenai hapusnya hak milik; hak guna usaha; serta hak guna bangunan. Hal tersebut dikarenakan penyebab yang sama yakni tanah tersebut musnah. Berdasar aturan UU Hak Tanggungan melakukan perumusan salah satu penyebab yang bisa menyebabkan hapusnya hak tanggungan yakni hapusnya hak atas tanah yang diberikan beban hak tanggungan, sehingga tanah berstatus hak milik; hak guna usaha; ataupun hak guna bangunan yang musnah dikarenakan bencana alam akan menyebabkan objek hak tanggungan itu hapus. Selanjutnya terkait penyelesaian permasalahan musnahnya objek jaminan akibat bencana alam dalam perjanjian kredit di bank secara ius constituendum dalam dilakukan pengaturan secara khusus terkait kewajiban debitur untuk mengasuransikan obyek yang dijadikan jaminan tersebut sehingga polis asuransi jaminan sebagai metode dalam melunasi utang debitur.
This scientific work aims to provide a sense of understanding regarding the legal consequences of the destruction of collateral objects due to natural disasters in credit agreements at banks and to find out the solution to the problem of the destruction of collateral objects due to natural disasters in credit agreements at banks in a ius constituendum manner. The method used in the article related to the legal consequences of the destruction of collateral objects due to natural disasters in credit agreements at banks uses legal research with a normative juridical type, using a statutory approach to analyzing legal issues in this article. The results of this study found that the legal consequences of the destruction of collateral objects due to natural disasters in credit agreements at banks according to the UUPA rules which regulate the abolition of property rights; Cultivation Rights; and building use rights. This is due to the same cause, namely the land is destroyed. Based on the rules of the Mortgage Law, one of the causes that can cause the abolition of mortgage rights is the abolition of land rights that are given the burden of mortgage rights, so that the land has the status of property rights; Cultivation Rights; or the right to use a building that is destroyed due to a natural disaster will cause the object of the mortgage right to be deleted. Furthermore, regarding the settlement of the problem of the destruction of the collateral object due to natural disasters in the credit agreement at the bank in an ius constituendum manner, special arrangements are made regarding the debtor's obligation to insure the object used as collateral so that the guarantee insurance policy is a method of paying off the debtor's debt.
