PENERAPAN ASAS JAMINAN FIDUSIA DAN PERJANJIAN PADA PENDAFTARAN JAMINAN FIDUSIA DALAM PEMBIAYAAN KONSUMEN (Studi Putusan Pengadilan Tinggi Bandung Nomor: 102/PDT/2015/PT.BDG)

2017 ◽  
Vol 5 (1) ◽  
pp. 24
Author(s):  
Eva Andari Ramadhina ◽  
Ambar Budhisulistyawati
Keyword(s):  
Financial Institutions ◽  
Third Party ◽  
Court Decision ◽  
Legal Research ◽  
High Court ◽  
The Third ◽  
The Third Party ◽  
Droit De Suite

<h1><em>Abstract</em><em></em></h1><p><em>This article aims to determine whether there is the application of the principles of fiduciary and principles of the treaty in the registration of fiduciary by financial institutions as well as to determine the suitability and incompatibility rules fiduciary in the decision under review, Bandung High Court No. 102/PDT /2015/PT.BDG. This article is </em><em>a prescriptive normative legal research</em><em>, with law and case approach. Results of research and study shows that there is no application of fiduciary principles on the implementation of consumer financing agreement, but already apply the principles of the agreement. Consumer agreement that is not accompanied by any additional agreements resulted in the imposition of bail using general collateral, so it does not apply to him the rights of collateral material. Consequently, for the third party is not respected the rights of creditors holders fiduciary. When there is a transition object fiduciary, creditors holder can’t be protected by the principle of droit de suite. In other words, the holder of fiduciary creditors as unsecured creditors domiciled not preferred creditor. At the Bandung High Court Decision No. 102/PDT/2015/PT.BDG, there are no registration requirements fiduciary implementation, so that the rights of debtors and creditors are not protected.</em></p><p><em>Keywords: Customer Agreement, Registration Fiduciary, Fiduciary Principles, Principles Agreement</em><em></em></p><p align="center"><strong>Abstrak <br /></strong></p><p>Artikel ini bertujuan untuk mengetahui ada tidaknya penerapan asas-asas jaminan fidusia dan asas-asas perjanjian dalam pendaftaran jaminan fidusia oleh lembaga pembiayaan serta untuk mengetahui kesesuaian dan ketidaksesuaian peraturan jaminan fidusia pada putusan yang dikaji, yaitu Putusan Pengadilan Tinggi Bandung Nomor: 102/PDT/2015/PT.BDG. Artikel ini termasuk ke dalam jenis penelitian hukum normative yang bersifat preskriptif, dengan pendekatan undang-undang dan kasus. Hasil penelitian dan pembahasan menunjukkan bahwa pada pelaksanaan perjanjian pembiayaan konsumen tidak terdapat penerapan asas-asas jaminan fidusia, namun sudah menerapkan asas-asas dari perjanjian. Perjanjian konsumen yang tidak disertai dengan adanya perjanjian tambahan mengakibatkan pembebanan jaminannya menggunakan jaminan umum, sehingga tidak berlaku padanya hak-hak dari jaminan kebendaan. Konsekuensinya, bagi pihak ketiga adalah tidak dihormatinya hak jaminan fidusia dari kreditur pemegang jaminan fidusia.  Ketika terjadi peralihan benda jaminan fidusia, kreditur pemegang jaminan fidusia tidak dapat dilindungi berdasarkan asas droit de suite. Dengan kata lain, kreditur pemegang jaminan fidusia berkedudukan sebagai kreditur konkuren bukan kreditur preferen. Pada Putusan Pengadilan Tinggi Bandung Nomor: 102/PDT/2015/PT.BDG, tidak terdapat penerapan ketentuan pendaftaran jaminan fidusia, sehingga hak-hak debitur maupun kreditur tidak dilindungi.</p><p>Kata Kunci : Perjanjian Konsumen, Pendaftaran Fidusia, Asas-asas Jaminan Fidusia, Asas-asas Perjanjian</p>

scholarly journals AL-IJARAH AL-MUNTAHIYAH BI AL-TAMLIK (IMBT) DALAM PERSPEKTIF ANATOMI KONTRAK BISNIS

ALQALAM ◽  
2009 ◽  
Vol 26 (2) ◽  
pp. 193
Author(s):  
Jaih Mubarok
Keyword(s):  
Financial Institutions ◽  
Financial Institution ◽  
The State ◽  
Point Of View ◽  
Third Party ◽  
Business Unit ◽  
The Third ◽  
Arbitration Board ◽  
The Law ◽  
The Third Party

AI-Ijarah al-Muntahiyyah bi al-Tamlik (IMBT) is conceptually almost the same as leasing which is conducted by world financial institutions, including those of in Indonesia. IMBT is a service product of syari'a financial institution which is transparant and is able to involve the third party whenever it is necessary. In the context of Indonesia, economic syari'a is culturally designed and run by the Coumil of Indonesian Ulama (MUI). In order to regulate the bussiness in the syari'a system, MUI forms the Council of National Syari'a (DSN) issuing the fatwas; in order to give monitoring, DSN places The Board ef Syari'a Controller (DPS) in every business unit which uses syari'a system; in order to solve the syari'a business disputation, MUI forms the Arbitration Board of National Syari'a (Basyarnas). Moreover, The State has structurally accomodated the system of syari'a business in law and regulation. Therefore, The openess characteristics (the principle of free based contract) which is also practiced in the contract of IMBT is restricted by the law and regulation and considered appropriate in syari'a point of view based on DSN-MUI fatwas.

scholarly journals Tinjauan Yuridis terhadap Penggunaan Jasa Pihak Ketiga (Debt Collector) dalam Menagih Kredit Bermasalah pada PT Adira Dinamika Multifinance TBK

2021 ◽  
Vol 2 (2) ◽  
pp. 337-342
Author(s):  
Kasirinus Jee Lua ◽  
Anak Agung Sagung Laksmi Dewi ◽  
Ni Made Puspasutari Ujianti
Keyword(s):  
Third Party ◽  
Legal Research ◽  
Service Company ◽  
The Third ◽  
Finance Company ◽  
The Law ◽  
The Third Party ◽  
Business Financing ◽  
Recording Techniques

The use of third party services by financing company PT Adira Dinamika Multifinance through a third party Service Company (debt couecton to perform a collection function for consumers or debtors who are difficult to collect by being declared in default. Regulations for the use of third party services by financing companies are regulated in POJK No. /POJK.05/2018 concerning the Implementation of Business Financing Companies, where financing companies can collaborate with other parties (third party services) with the aim of collecting non-performing loans., The consequences of collaboration between third party services and financing companies to collect non-performing loans that the finance company is fully responsible for the cooperation carried out if there is an act that violates the law in accordance with POJK Number 35 / POJK.05 / 2018. However, if the financing company has carried out the prescribed procedure and the third party service continues to commit acts against the law, then the liability will be borne by the third party's services in order to collect non-performing loans. This research uses normative legal research. The technique of collecting legal materials in this study is to collect from literature studies using documentary / recording techniques obtained related to primary, secondary, and tertiary legal materials

scholarly journals Akibat Hukum Perjanjian Kawin terhadap Pihak Ketiga dalam Perspektif Putusan Mahkamah Konstitusi No. 69/PUU-XIII/2015

2021 ◽  
Vol 2 (1) ◽  
pp. 207-211
Author(s):  
Putu Trisna Witariyani ◽  
I Nyoman Sujana ◽  
Ni Made Puspasutari Ujianti
Keyword(s):  
Research Method ◽  
Third Parties ◽  
Third Party ◽  
Court Decision ◽  
Constitutional Court ◽  
The Third ◽  
The Third Party ◽  
Legal Consequences ◽  
Husband And Wife

Property problems in marriage often occur. With this, the couple can make a marriage agreement for those who want to separate their marital assets. One of the marriage agreement arrangements, which is mentioned in paragraph (1), namely in Article 29 of Law Number 1 of 1974 concerning marriage states that a marriage agreement can be made before the marriage takes place and binds a third party as long as the third party is involved. However, after the issuance of the Constitutional Court Decision No. 69 / PUU-XIII / 2015 the arrangement of the agreement in marriage has changed. This study aims to determine the arrangement of the marriage agreement after the Constitutional Court Decision No. 69 / PUU-XIII / 2015 and knowing the legal consequences for third parties with the existence of a marriage agreement after the issuance of the Constitutional Court Decision No. 69 / PUU-XIII / 2015. The research method used is the Normative research method where the assessment is based on legal materials from the existing literature. The results of the analysis show that the marriage agreement arrangements have changed since the Constitutional Court Decision, where the amendment is that the marriage agreement can be made before or after marriage, applies after marriage unless the parties determine otherwise, and also the marriage agreement can be changed and revoked according to the agreement of the husband and wife. . If the agreement in marriage is registered, the agreement will be enforced for the third party. Couples who want to make a marriage agreement should follow the existing rules so that the marriage agreement is valid and does not harm third parties.

scholarly journals Implications of Legal Loophole concerning Liability over Delay in Restitution Payment by Criminal Offender

2021 ◽  
Vol 28 (1) ◽  
pp. 47-56
Author(s):  
Nurini Aprilianda ◽  
Ryan Ilham Fibriansyah
Keyword(s):  
Government Regulation ◽  
Legal Protection ◽  
Third Party ◽  
Legal Research ◽  
Secondary Victimization ◽  
The Third ◽  
Criminal Offender ◽  
Victim Protection ◽  
The Third Party ◽  
The Government

Crime is harmful to society, especially to the victims. Legal protection should be taken into account to help the victims recover from the loss suffered. The protection can be made through the payment of restitution by either the offender or the third party. Such an issue has been addressed in the existing law, especially the Witness and Victim Protection Act 2014 (Amendment) and the Government Regulation No. 7 of 2018 concerning Compensation, Restitution, and Aid for Witness and Victim. Unfortunately, they do not impose any sanction over the delay in restitution payment by the third party or the offender. This paper aims at discussing the implication of this legal loophole. This normative legal research employs a statutory approach. It is found that the legal loophole has exposed the victims to secondary victimization due to uncertainty and injustice.

scholarly journals Karakteristik Hak Kebendaan Pada Objek Jaminan Fidusia Berupa Benda Persediaan

2019 ◽  
Vol 12 (1) ◽  
pp. 14
Author(s):  
Erich Kurniawan Widjaja ◽  
William Tandya Putra
Keyword(s):  
Property Right ◽  
Third Party ◽  
Conceptual Approach ◽  
The Third ◽  
The Third Party ◽  
Droit De Suite

Inventory as a fiduciary object has different law consequences towards bank as the fiduciary receiver and as the third party. This what made the researcher interested to conduct a research to investigate the property right characteristic of the inventory as a fiduciary object through statute approach and conceptual approach. This research has found that some property right characteristic do not stick with the inventory or supplies since its characteristic is not always the same. One of the intangible characteristic of the property right is “droit de suite” or the characteristic that follows wherever the fiduciary object be. The absence of property right characteristic of inventory fiduciary object cause the weakening of that property right which is known as relativering.

Resolving tension from the third-party forgiveness effect

2014 ◽  
Author(s):  
Jaclyn M. Moloney ◽  
Chelsea A. Reid ◽  
Jody L. Davis ◽  
Jeni L. Burnette ◽  
Jeffrey D. Green
Keyword(s):  
Third Party ◽  
The Third ◽  
The Third Party
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