Legal Protection in The Implementation of Akad Qardh

Rizki Rahmatullah(1*)
(1) Universitas Andalas
(*) Corresponding Author
DOI : 10.30983/alhurriyah.v5i1.2332

Abstract

 

Credit implementation cannot be separated from the agreement and binds the guarantee that given by the debtor. The binding guarantee is carried out by underhand and carried out with notarial deed and PPAT deed. The binding of loan agreements by creditors is inseparable from the rights and obligations of the parties and legal protection of the parties. The problem is about legal standing, forms of protection and problem solving from the implementation of loan agreements. The research methodology used is an empirical juridical approach. The results of this study indicate that the creditor position in the binding agreement that made by underhand becomes weak because the creditor does not get the preference rights if the debtor is default. The implementation of an underhand loan agreement must be carried out perfectly, binding to the notarial deed must be in accordance with UUJN and binding to insurance. Completion of loan agreements with notification, rescue and restructuring of loans with restructuring, composition of loans with litigation and non-litigation, elimination of loans. Advice to Swamitra Minang Alam Sentosa, binding of loan agreements must be carried out with authentic deeds in accordance with UUJN by shared costs, and the insurance accordance with the loan term.

 

 

Keywords


Legal protection, loan agreement, default

References


Buku

Budiono, Herlien, Kumpulan Tulisan Hukum Perdata di Bidang Kenotariatan, Citra Aditya Bakti, Bandung, 2008.

Fuady, Munir, Jaminan Fidusia, PT. Aditya Baktii, Bandung, 2003.

Hadjon, M, Phillipus, Perlindungan Hukum Bagi Rakyat Indonesia, PT. Bina Ilmu, Surabaya, 1987.

Kohar A., Notaris dalam Praktek Hukum, Alumni, Bandung, 1983.

Muhammad, Abdulkadir, Hukum dan Penelitian Hukum, Citra Aditya Bakti, Bandung, 2004.

Seokanto, Soerjono dan Mamudji, Sri, Penelitian Hukum Normatif Suatu Tinjawan Singkat, Rajawali Pers, Jakarta, 1985.

Sinungan, Muchdarsyah, Manajemen Dana Bank, Bumi Aksara, Jakarta, 1992.

Soekanto, Soerjono, Pengantar Penelitian Hukum, UI Press, Jakarta, 1986.

Supit, Taira, Frank, Aspek-Aspek Hukum Dari “Loan Agreement” dalam Dunia Bisnis Internasional”, Simposium Aspek-Aspek Hukum Masalah Perkreditan, Jakarta, 1985.

Sugono, Bambang, Metode Penelitian Hukum, Raja Grafindo Persada, Jakarta, 2001.

SS, Kusumaningtuti, Peranan Hukum dalam Penyelesaian Krisis Perbankan di Indonesia, Rajawali Pers, Jakarta, 2009.

Tiong, Hoey, Oey, Fidusia Sebagai Jaminan Unsur-Unsur Perikatan, Ghlmia Indonesia, Bandung, 1984.

Triwulan, Titik, Hukum Perdata Dalam Sistem Hukum Nasional, Prenata Media Group, Jakarta, 2010.

Pedoman Pinjaman Swamitra

Internet

http:// www.bukopin.co.id/real/37/Bisnis_Mikro_Swamitra_Bank_Bukopin.html/diakses terakhir kali pada tanggal 14 Maret 2018

Peraturan Perundang-undangan

Undang-undang Dasar Negara Republik Indonesia Tahun 1945

Kitab Undang-undang Hukum Perdata

Undang-undang Nomor 2 Tahun 2014 tentang Perubahan Atas Undang-undang Nomor 30 Tahun 2004 tentang Jabatan Notaris

Undang-undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia

Undang- undang Nomor 1 Tahun 1974 tentang Perkawinan

Peraturan Menteri Negara Agraria dan Tata Ruang/Kepala Badan Pertanahan Nasional Nomor 22 Tahun 2007 tentang Penetapan Batas Waktu Penggunaan Surat Kuasa Membebankan Hak Tanggungan Untuk Menjamin Pelunasan Kredit Tertentu

Peraturan Menteri Keuangan Nomor: 130/PMK.010/2012 tentang Pendaftaran Jaminan Fidusia Bagi Perusahaan Pembiayaan Yang Melakukan Pembiayaan Konsumen Untuk Kendaraan Bermotor Dengan Pembebanan Jaminan Fidusia

Peraturan Menteri Agraria dan Tata Ruang/Kepala Badan Pertanahan Nasional Nomor 22 Tahun 2017 tentang Penetapan Batas Waktu Penggunaan Surat Kuasa Membebankan Hak Tanggungan untuk menjamin pelunasan kredit tertentu jo Surat keputusan Direksi Bank Indonesia Nomor 26/24/KEP/DIR tanggal 29 Mei 1993.

Jurnal

Alodia, Delvina, 2018 “Perlindungan Hukum Bagi Kreditur Dalam Hal Debitor Menyewakan Objek Jaminan Fidusia Pada Pihak Ke Tiga (Analisis Kasus Putusan Mahkamah Agung Nomor 1271/K/PDT/2016)”. Jurnal Hukum Adigama. 1(3).

Muhtar, Muhammad, Moerdiono, 2013 “Perlindungan Hukum Bagi Kreditur Pada Perjanjian Fidusia Dalam Praktek” Jurnal Hukum Lex Privatum, 1(2).

Winarto, Jatmiko, 2013 “Perlindungan Hukum Bagi Kreditur Pada Perjanjian Jaminan Fidusia” Jurnal Independent, 1 (1).


Article Statistic

Abstract view : 12 times
PDF views : 7 times

How To Cite This :

Refbacks

  • There are currently no refbacks.


Copyright (c) 2020 ALHURRIYAH: Jurnal Hukum Islam (ALHURRIYAH JOURNAL OF ISLAMIC LAW)

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.