PERLINDUNGAN HUKUM TERHADAP PEMILIK OBJEK JAMINAN FIDUSIA APABILA TERJADI LIKUIDASI BANK
Abstract
Penelitian untuk “bertujuan untuk mengkaji dan menganalisa terkait pengaturan jaminan fidusia bilamana terjadi likuidasi bank dan untuk mengetahui perlindungan hukum terhadap fidusia bilamana terjadi likuidasi bank. Studi ini menggunakan metode penelitian hukum normatif dengan pendekatan perundang-undangan dan analisis konseptual. Hasil studi menunjukkan bahwa Pengaturan Jaminan Fidusia dalam hal likuidasi bank segala sesuatu yang dilakukan harus sejalan dengan ketetapan pengaturan yang ada. Selain peraturan yang berkaitan dengan perbankan dan fisudia juga harus disesuaikan dengan peraturan perundang-undangan terkait bilamana belum dinyatakn khusus dalam UU Perbankan seperti UU Jaminan Fidusia, UU Lembaga Penjamin Simpanan, Peraturan Pemerintah Republik Indonesia tentang Tata Cara Pendaftaran Jaminan Fidusia dan Biaya Pembuatan Akta Jaminan Fidusia, Peraturan Pemerintah Republik Indonesia tentang Pencabutan izin usaha, Pembubaran dan Likuidasi Bank, termasuk juga didalamnya Undang-Undang Pasar Modal, Undang-Undang Perseroan Terbatas, Undang-Undang Perkoperasian, Undang-Undang BUMN” dan BUMD. Bentuk perlindungan hukum terhadap pemilik objek jaminan fidusia bilamana terjadi likuidasi bank yaitu perlindungan secara implisit dan eksplisit. LPS selaku tim likuidasi bank kepada debitur yang utang piutangnya belum lunas tim likuidasi akan memberikan potongan hutang sebagai tawaran agar debitur segera melunasi hutangnya sebagai bentuk perlindungan hukum.
ABSTRACT
The Research of “this study aims to review and analyze fiduciary guarantee arrangements in the event of bank liquidation and to determine legal protection for owners of fiduciary guarantee certificates in the event of bank liquidation. This study uses normative legal research methods with a statutory approach and conceptual analysis. The results of the study show that the Fiduciary Arrangement, in the event of bank liquidation, everything that is done must be in line with the provisions of existing arrangements. In addition to regulations related to banking and fisudia, it must also be adjusted to the relevant laws and regulations if it has not been specifically stated in the Banking Law such as the Fiduciary Law, the Deposit Insurance Corporation Law, the Government Regulation of the Republic of Indonesia concerning Procedures for Registration of Fiduciary and the Cost of Making a Fiduciary Deed, Government Regulations of the Republic of Indonesia concerning Revocation of Business Licenses, Dissolution and Liquidation of Banks, including the Capital Market Law, Limited Liability Company Law, Cooperative Law, SOEs and Provincially-Or Municipally-Owned Corporations Law.” The form of legal protection for the owner of the fiduciary guarantee object in the event of bank liquidation is implicit and explicit protection. LPS as the bank liquidation team to debtors whose receivables have not been paid off, the liquidation team will provide debt deductions as an offer for debtors to immediately pay off their debts as a form of legal protection.
