scholarly journals Perjanjian Jual Beli Tanah Hak Milik Debitur Pailit yang Dijaminkan di Bank

2020 ◽  
Vol 1 (2) ◽  
pp. 133-137
Author(s):  
Leomardo Ebedkena Tabuni ◽  
I Made Arjaya ◽  
Desak Gde Dwi Arini

In connection with the sale and purchase agreement for the land owned by a bankrupt debtor who is guaranteed at the bank, of course, there will be a consequence of a legal action. The result of the legal action in question is regarding the transfer of land title if the debtor breaks his promise or does not carry out his obligations. Creditors holding Guarantee Rights Guarantee (separatist creditors) may execute the guarantee, as if there was no bankruptcy. However, in exercising his executive rights, there is a time limit for separatist creditors in accordance with Article 56 of the Bankruptcy Law. After passing this period of time, the curator then carries out the management and settlement under the supervision of the supervisory judge. The purpose of this research is to study and find out about the legal arrangement and procedures for the settlement of sale and purchase of land owned by a bankrupt debtor which are guaranteed at the bank. This study uses a normative legal research method, with a statutory approach and a conceptual approach. The results of this study are: firstly, the credit agreement creates a debt and credit relationship, in which the debtor is obliged to pay back the loan given by the creditor (bank); secondly, in accordance with the requirements for a debtor who has two or more creditors and there is a debt and one debt is due and can be collected. After fulfilling these requirements, those who have been registered through the clerk of the court, further examination by the Chief Justice will be carried out to obtain a permanent bankruptcy decision for Ninety days, and ultimately, a summon of the parties to a verification meeting is carried out.

Author(s):  
M. Hadi Shubhan

<p><em>Unwritten laws hold a strategic role in bankruptcy dispute settlement, both in the act of bankruptcy and in the management and settlement of a bankruptcy estate after the debtor is declared bankrupt.</em><em>This paper will discuss </em><em>about the characteristics of Indonesia bankruptcy law and </em><em>the legal basis and theoretical basis for the possibility of using unwritten law in bankruptcy cases. </em><em>This research employed a doctrinal legal research method with a statute approach, a conceptual approach, and a case approach</em><em>. </em><em>In Article 8 paragraph (6) of Law No. 37 of 2004 made it possible for judges to use an unwritten law as the basis in deciding on act of bankruptcy. Similarly, in regard to the management and settlement of a bankruptcy estate, some norms provide some space for the supervisory judge's and curators to make a decision or take action based on the principles of unwritten justice. In a number of court decisions, the law has also not been written down in consideration of its law</em><em>.</em></p>


2020 ◽  
Vol 8 (11) ◽  
pp. 1741
Author(s):  
Togar Manihuruk ◽  
Yeni Triana ◽  
Hj. Hasnati

Tujuan study ini untuk menganalisis kedudukan hukum pemegang polis perusahaan asuransi pailit, apakah sebagai kreditur preferen atau kreditur kongkuren menurut hukum kepailitan di Indonesia. Studi ini menggunakan metode penelitian hukum normatif dengan pendekatan konseptuan dan perundang-undangan. Hasil studi menunjukkan bahwa kedudukan hukum pemegang polis perusahaan asuransi pailit menurut hukum kepailitan di Indonesia adalah masuk kategori kreditur preferen. The purpose of this study is to analyze the legal position of bankrupt insurance company policyholders, whether they are preferred creditors or non-secured creditors according to bankruptcy law in Indonesia. This study uses a normative legal research method with a conceptual approach and statute approach. The study result shows that the legal position of bankrupt insurance company policyholders according to the bankruptcy law in Indonesia is in the preferred creditor category.  


2020 ◽  
Vol 8 (8) ◽  
pp. 1180
Author(s):  
Cok Istri Bhagawanthi Pemayun ◽  
I Ketut Westra

 Penulisan ini bertujuan untuk mengetahui kewenangan kurator serta upaya yang dapat dilakukan kurator dalam melakukan pemberesan aset debitor berupa saham pada perseroan terbatas. Penelitian ini menerapkan metode penelitian hukum normatif dengan pendekatan perundang-undangan serta pendekatan konseptual. Hasil studi terhadap permasalahan yang ada adalah kurator berwenang dalam membereskan aset debitor pailit sesuai ketentuan Pasal 185 ayat (1) Undang-Undang Kepailitan dan Penundaan Kewajiban Pembayaran Utang sehingga kurator dapat melakukan penjual di muka umum terhadap aset debitor pailit yang berupa saham. Upaya yang dapat dilaksakan oleh kurator dalam pemberesan aset debitor pailit yang berupa saham pada perseroan terbatas adalah pertama seorang/tim kurator dapat melakukan lelang umum terhadap saham milik debitor pailit sesuai ketentuan Pasal 185 ayat (1) Undang-Undang Kepailitan dan Penundaan Kewajiban Pembayaran Utang. Kedua pemegang saham lain pada perseroan tempat debitor pailit memiliki saham dapat ikut serta sebagai peserta dalam lelang tersebut. Ketiga apabila lelang atas saham tersebut tidak berhasil maka kurator diperbolehkan melakukan penjualan di bawah tangan sebagaimana kewenangannya pada Pasal 185 ayat (2) Undang-Undang Kepailitan dan Penundaan Kewajiban Pembayaran Utang. Setelah penjualan saham dilakukan, kurator harus melapor kepada direksi perseroan agar amandemen anggaran dasar perseroan tersebut diproses. Apabila terdapat hambatan pada proses tersebut kurator dapat menginisiasi tindakan tertentu namun harus seizin hakim pengawas. This paper it aims to determine the authority of curator and to know the steps that can be done by the curator in issuing debtor assets in the form of shares in a limited company. This journal uses the normative legal research method with statutory approach and conceptual approach. The study result of the existing problems are the curator authorized to settle bankrupt debtor assets in accordance with the provision in Article 185 paragraph (1) of the Bankruptcy Law and Suspension of Debt Payment Obligations so the curator can make a public selling of it. The steps that can be done by the curator in the acquisition of bankrupt debtor assets are first curators can sell or auction the share of bankrupt debtor as mentioned in Article 185 paragraph (1) of the Bankruptcy Law and Suspension of Debt Payment Obligations. Second in the auction, other shareholders in the company where the bankrupt debtor own shares can participate in that auction. Third if the aution is unsuccessful, the curator can sell it directly to the buyer based on authority he has to Article 185 paragraph (2) of Bankruptcy Law and Suspension of Debt Payment Obligations. After the share sold, the curator must report to the directors of the company in order to process the company’s articles of association amendment. If there are obstacles in the process of issuing share, the curator can initiate certain actions, but must have the permission of the supervising judge.


2021 ◽  
Vol 5 (1) ◽  
pp. 173
Author(s):  
Yandri Radhi Anadi

 The soul of a person can be insured for the needs of the person concerned, both for the duration of his life and for the time specified in the agreement. everyone who lives faces the risk of his own life, because he does not know when he will die. The risk suffered can be in the form of damage, loss or loss, resulting in efforts to avoid and transfer risks to the community through the subsidized KPR program. For banks, the death of a debtor is one of the risks that arise in providing credit. In writing, there are problems being studied, namely, how is the implementation of death insurance in the subsidized MORTGAGE credit agreement and what is the mechanism of death insurance claims for subsidized mortgages. In this research, the writer uses a legal research method which is normative juridical. This study uses a statutory approach, conceptual approach, and a comparative approach. The source of legal materials in this research uses primary sources of legal materials and sources of secondary legal materials. For data collection techniques used are literature review.Keywords: Life Insurance, Subsidized Home Ownership LoansJiwa sesorang dapat diasuransikan untuk keperluan orang yang berkepentingan, baik untuk selama hidupnya maupun untuk waktu yang ditentukan dalam perjanjian. setiap orang yang hidup menghadapi resiko atas hidupnya sendiri, sebab ia tidak mengetahui kapan ia akan meninggal dunia. Resiko yang diderita dapat berupa kerusakan kerugian atau kehilangan, sehingga timbul upaya untuk menghindari dan mengalihkan resiko kepada masyarakat melalui program KPR subsidi. Bagi bank dalam meninggalnya debitur adalah salah satu resiko yang timbul dalam pemberian kredit. Dalam penulisan terdapat permasalah yang dikaji yaitu, bagaimana implementasi asuransi kematian dalam akad kredit KPR subsidi dan seperti apa mekanisme klaim asuransi kematian pasa KPR subsidi. Dalam penelitian ini penulis menggunakan metode penelitian hukum yang bersifat yuridis normatif. Penelitian ini menggunakan pendekatan perundang-undangan, pendekatan konseptual, dan pendekatan perbandingan. Sumber bahan hukum dalam peneitian ini menggunakan sumber bahan hukum primer dan sumber bahan hukum sekunder. Untuk Teknik pengumpulan data yang digunkan adalah telaah Pustaka. Implementasi pemberian asuransi kematian Kredit Kepemilikan Rumah (KPR) subsidi, para pihak antara penanggung dan tertanggung harus memperhatikan hal-hal dasar yang dimana sesuai dalam perjanjian serta Mekanisme prosedur klaim asuransi kematian KPR subsidi sama dengan prosedur klaim asuransi jiwa pada umumnya.Kata Kunci: Asuransi Jiwa, Kredit Kepemilikan Rumah Subsidi


2018 ◽  
Vol 5 (1) ◽  
pp. 142
Author(s):  
Putu Ayu Anastasia Wierdarini

The amendment of the Undang-Undang Dasar Negara Republik Indonesia Tahun 1945 positioned the Majelis Permusyawaratan Rakyat no longer as the highest state institution and the highest sovereign of the people. This has implications for the authority of the Majelis Permusyawaratan Rakyat to have a strategic position, namely to UUD 1945, to stipulate GBHN, to elect the president and vice president through amendment of its authority to be very limited and weak. This paper examines jurisdictionally how to restore the privileges possessed by the Majelis Permusyawaratan Rakyat through the amendment of the UUD 1945. A normative legal research method with statute approach and conceptual approach is used to analyze this problem.The results of the study indicate that the MPR's repatriation in the main and vital position in the Indonesian state administration system is very important, namely through amendments to the material content of the UUD 1945 which must be implemented on an ongoing basis.


2018 ◽  
Vol 20 (2) ◽  
pp. 219-236
Author(s):  
Muhammad Marafwansyah ◽  
Sanusi Bintang ◽  
Darmawan Darmawan

Adanya ketidakseimbangan dalam penggunaan perjanjian baku dalam perjanjian sewa beli kendaraan bermotor pada perusahaan pembiayaan di Kota Banda Aceh memberi perlindungan hak kepada penjual daripada pembeli, sehingga lebih banyak risiko kerugian yang harus dipikul oleh pembeli. Pokok permasalahan dalam artikel ini adalah apakah klausula baku dalam perjanjian sewa beli kendaraan bermotor pada perusahaan pembiayaan melanggar ketentuan peraturan perundang-undangan tentang perlindungan konsumen. Jenis metode penelitian yang digunakan dalam artikel ini adalah jenis metode penelitian hukum normatif. Pendekatan penelitian hukum yang digunakan dalam artikel ini terdiri dari, pendekatan peraturan perundang-undangan, pendekatan kasus, dan pendekatan konseptual. Hasil penelitian menunjukkan bahwa perjanjian baku pada perusahaan pembiayaan PT ADMF bertentangan dengan ketentuan KUH Perdata, khususnya dalam Pasal 1266, Pasal 1267, Pasal 1337, Pasal 1338 ayat (1), ayat (2), dan ayat (3), Pasal 1339 KUH Perdata, dan juga bertentangan dengan ketentuan UUPK, khususnya dalam Pasal 4, Pasal 7, Pasal 18 ayat (1), dan ayat (2) UUPK. Oleh karena itu, penggunaan perjanjian baku dalam perjanjian sewa beli kendaraan bermotor pada perusahaan pembiayaan harus ditinjau dan disesuaikan agar tidak bertentangan dengan ketentuan undang-undang.  Standard Agreement in The Hir-Purchase Agreement for the Motor Vehicles in a Finance Company in Banda Aceh  The existence of an imbalance in the use of standard agreement in the hire-purchase agreement for motor vehicles in a finance company in Banda Aceh gives protection to the seller rather than the buyer, thus more risk of loss to be borne by the buyer. The main issue in this article is whether the standard clause in the hire purchase agreement of motor vehicles in the finance company violates the provisions of legislation on consumer protection. The research method used in this article was the normative legal research method. The legal research approaches used in this article consist of, statutory approach, case approach and conceptual approach. The results showed that the standard agreements used by PT ADMF was contradictory to the provisions of the Civil Code, particularly in Article 1266, Article 1267, Article 1337, Article 1338 Paragraph (1), Paragraph (2), and Paragraph (3), Article 1339 Civil Code, and also contrary to the provisions of UUPK, particularly in Article 4, Article 7, and Article 18 paragraph (1) and paragraph (2) UUPK. Therefore, the standard agreements in the hire-purchase agreement of motor vehicles in the finance company should be reviewed and adjusted so as not violates the provisions of legislation.


2021 ◽  
Vol 2 (1) ◽  
pp. 61-78
Author(s):  
Agsel Awanisa ◽  
Yusdianto Yusdianto ◽  
Siti Khoiriah

The purpose of this research is to determine the constitutional complaint mechanism based on comparisons in other countries, practices, and adaptation of constitutional complaints under the authority of the Constitutional Court of the Republic of Indonesia. Many cases with constitutional complaint substance have been submitted to the Constitutional Court of the Republic of Indonesia even though they don’t have this authority. This research uses a normative legal research method using a statutory approach, a conceptual approach, a comparative approach, and a case approach. This research indicates that the constitutional complaint mechanism in Germany, South Korea, and South Africa has been well implemented. In practice, cases with constitutional complaint substance are filed to the Constitutional Court of the Republic of Indonesia by changing the form by using the legal means of a judicial review, such as case number 16/PUU-VI/ 2008, case number 140/PUU-XIII/2015 and case number 102/PUU-VII/2009. Due to the consideration of the structure, substance, and culture of law, adaptation of constitutional complaint within the authority of the Constitutional Court of the Republic of Indonesia needs to be carried out by amending Law Number 24 of 2003 jo. Law Number 7 of 2020 concerning the Constitutional Court.


2020 ◽  
Vol 1 (2) ◽  
pp. 104
Author(s):  
Rian Saputra ◽  
Resti Dian Luthviati

This study aims to determine the urgency of institutionalizing the principle of bankruptcy decisions that must be approved by the majority creditors with a test stone in the form of a bankruptcy decision Number: 04/Pdt.Sus-PKPU/2018/PN.Niaga.Jkt.Pst then also to analyze the opportunities for institutionalizing the principle. mentioned in Indonesian law. This research is a normative legal research with an approach in the form of a conceptual approach, and a statute approach and a case approach. The results show that the urgency of applying the principle of "Approval of Bankruptcy Decisions Must be approved by Majority Creditors" in Indonesia is based on the Bankruptcy Decision Number: 04/Pdt.Sus-PKPU/2018/PN.Niaga.Jkt.Pst, in addition to following the development of global bankruptcy law. , also in order to provide justice to fellow creditors so that no creditor feels aggrieved in any future bankruptcy decisions. The principle itself requires that each bankruptcy decision be approved by at least 50% of the majority of creditors according to the number of claims (receivables), not the majority according to the number of people. Even though, the application for a bankruptcy statement was made by the Debtor himself, the bankruptcy decision should not have been taken by the court without the approval of the creditors or the majority of creditors. Also, the opportunity to apply this principle in Indonesia is very possible considering that the principle is in accordance with the character of the nation which clearly makes consensus &amp; deliberation as an alternative in every problem that exists within the Indonesian nation, it is not wrong if this is also applied in the concept of the Bankruptcy Law in the future (das sein).


2019 ◽  
Vol 9 (2) ◽  
pp. 217-234
Author(s):  
Luthvi Febryka Nola

Article 31 paragraph (1) and paragraph (2) of the Indonesian Bankruptcy Law stipulate that all seizures that have been determined on the debtor's assets are null and void since the bankruptcy verdict is pronounced and since then the only validity is general seizure. However, in its practice various seizures are still stipulated on bankrupt assets ranging from civil, criminal and tax seizures. This paper discusses the forms of seizure in the bankruptcy process, the position of general seizure of other seizures in bankruptcy and the impact of the position of general seizure on debt payments to creditors. The research method used is normative legal research using secondary data collected through library studies and document studies. The various data were then analyzed descriptively and qualitatively. This writing found that there are rules in other laws such as Article 39 paragraph (2) KUHAP and Article 6 paragraph (1) Law No. 19 of 2000 that have ruled out the position of general seizure. The experts in each field of science also have different views regarding the position of general seizure. This condition has resulted in the emergence of friction between law enforcement, inconsistency of judges’ decisions, length of bankruptcy proceedings, injustice, unclear data on bankruptcy assets and reduced bankruptcy assets. Therefore, the understanding of law enforcement regarding legal principles, especially the principle of lex specialis derogate legi generalis, needs to be improved. The use of prejudgment seizure in the bankruptcy process must be socialized to maximize control over bankrupt assets. To avoid prolonged process of bankruptcy, the bankruptcy law should limit the time period for the settlement of assets to the curator.AbstrakPasal 31 ayat (1) dan ayat (2) UU Kepailitan mengatur bahwa segala sita yang telah ditetapkan atas harta kekayaan debitor menjadi hapus semenjak putusan pailit diucapkan dan semenjak itu satu-satunya yang berlaku adalah sita umum. Akan tetapi pada praktiknya berbagai sita tetap ditetapkan atas harta pailit mulai dari sita perdata, pidana dan pajak.  Tulisan ini membahas tentang bentuk-bentuk sita dalam proses kepailitan, kedudukan sita umum terhadap sita lainnya dalam kepailitan dan dampak dari kedudukan sita umum terhadap pembayaran utang kepada para kreditor. Adapun metode penelitian yang digunakan adalah penelitian hukum normatif dengan menggunakan data sekunder yang dikumpulkan melalui kegiatan studi perpustakaan maupun studi dokumen. Berbagai data tersebut kemudian dianalisis secara deskriptif-kualitatif. Penulisan ini menemukan bahwa adanya aturan dalam UU lain seperti Pasal 39 ayat (2) KUHAP dan Pasal 6 ayat (1) UU No. 19 Tahun 2000 telah mengesampingkan kedudukan sita umum. Ahli masing-masing bidang ilmu juga memiliki pandangan yang berbeda terkait kedudukan sita umum.  Kondisi ini berdampak pada munculnya pergesekan antara penegak hukum, inkonsistensi putusan hakim, lamanya proses kepailitan, terjadi ketidakadilan, ketidakjelasan data harta pailit, berkurang bahkan hilangnya harta pailit. Oleh sebab itu, pemahaman penegak hukum tentang asas hukum terutama asas lex specialis derogate legi generalis perlu ditingkatkan. Penggunaan lembaga sita jaminan dalam proses kepailitan harus disosialisasikan untuk memaksimalkan penguasaan terhadap harta pailit. Supaya proses kepailitan tidak berlarut-larut, UU kepailitan harusnya membatasi jangka waktu penyelesaian aset kepada kurator.


2019 ◽  
Vol 3 (1) ◽  
pp. 81-94
Author(s):  
Agustina Dewi Putri ◽  
Darmawan Darmawan ◽  
Teuku Muttaqin Mansur

Menurut Pasal 36 ayat (1) Undang-Undang Nomor 1 tahun 1974, mengenai harta bersama, suami atau isteri dapat bertindak atas persetujuan kedua belah pihak. Adanya ketentuan Pasal tersebut di atas, menunjukkan bahwa jika seorang suami atau isteri, bermaksud melakukan perbuatan hukum yang objeknya terkait dengan harta bersama (misalnya menjual, menghibahkan dan lain-lain), baik itu berupa barang bergerak atau barang tidak bergerak, maka perbuatan hukum tersebut harus didasarkan pada persetujuan kedua belah pihak (suami dan isteri). Untuk mengetahui dan menjelaskan akibat hukum dari peralihan harta bersama melalui hibah tanpa izin dari salah satu pihak. Metode Penelitian yang digunakan adalah penelitian hukum yuridis normatif dan Ketiadaan persetujuan baik suami atau isteri memberi akibat hukum bahwa peralihan harta bersama tersebut menjadi batal demi hukum.As for article 36 paragraph (1) mentions that anything regarded to the shared-property should be with the consent of both parties. It is in line with Article 92 about Compilation of Islamic Law which mentions that either husband or wife without any consent of the other partner is not allowed to sell or transfer the ownerships of the shared-property. Provisionsof the article indicate that if the husband or wife intends to carry out a legal act whose object is related to a common asset (for example selling, granting, etc). whether it is movable or immovable property, the legal action must be based on agreement of both parties (husband and wife). To figure out and explain the legal consequences of share assets transfer throght a grant without permission from one of the parties. Research method used in this is normative juridical legal research. To find out and explain the comparison of provisions on the transfer of property with husband and wife based on Law Number 1 Year 1974 and Compilation of Islamic Law Absence of approval from both husband and wife gives legal consequences that transfer of shared property becomes null and void by law.


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