PERLINDUNGAN HUKUM BAGI KREDITUR ATAS PEMBEBANAN HAK TANGGUNGAN AKIBAT PEMBATALAN SERTIPIKAT

Christian Alexander P Siregar; Wira Franciska; Iran Sahril

Authors

Christian Alexander P Siregar Program Pascasarjana Magister Kenotariatan, Universitas Jayabaya Jakarta
Wira Franciska Program Pascasarjana Magister Kenotariatan, Universitas Jayabaya Jakarta
Iran Sahril Program Pascasarjana Magister Kenotariatan, Universitas Jayabaya Jakarta

Keywords:

Grant, Legitime Portie

Abstract

In everyday life, problems often occur related to the existence of objects of ownership of rights obtained unlawfully whose guarantees often become problems regarding the truth of the objects of guarantee as regulated in Law of the Republic of Indonesia Number 4 of 1996 concerning Mortgage Rights over land and the land in question. often becomes the object of bank guarantees which will be burdened with Mortgage Rights. Problem Formulation What are the legal consequences for creditors of the cancellation of property rights certificates that are encumbered with Mortgage Rights and how to provide legal protection to creditors for cancellation of property rights certificates that are the object of Mortgage Security. Theory of legal protection According to Satijipto Raharjo, theory of legal consequences according to Soeroso.R
The method used in this study is a type of normative juridical research, namely literature law research or secondary data with primary, secondary and tertiary legal sources. The research approach used is a legislative, analytical, conceptual and case approach. The technique of collecting legal materials is carried out by identifying and inventorying positive legal rules, literature, books, journals and other sources of legal materials. For legal material analysis techniques, it is carried out by grammatical and systematic legal interpretation as well as legal construction methods, analogies, and legal refinement.
Research results: Protection for creditors against cancellation of mortgage certificates that have been encumbered with mortgage rights in the form of preventive and repressive protection. Preventive protection in the Mortgage Rights Law does not yet accommodate the regulation that canceling a certificate based on a Court Decision does not result in the cancellation of the Mortgage Rights that burden it, so that the bank as the creditor is not harmed. Repressive legal protection if the debtor defaults or defaults on the promise of his debts and receivables, the bank can also file a civil lawsuit against the debtor's debt to the creditor or take the path of peace through non-litigation. The legal consequence for creditors is that the removal of the title certificate which is the object of collateral for mortgage rights also removes the right of precedence in payment of the debtor's debt in the event of default.

References

Maria S.W. Sumardjono, Kebijakan Pertanahan antara Regulasi & Implementasi, Kompas, Jakarta .2005.

Riduan Tobink dan Bill Nikholaus, 2003. “Kamus Istilah Perbankan”, Atalya Rileni Sudeco, Jakarta.

Kasmir, Bank dan Lembaga Keuangan Lainnya, (Jakarta: PT. Raja Grafindo Persada, 2002), Edisi Ke-6, Cet. Ke-6.

Adiwarman Karim, Bank Islam Analisis Fiqih dan Keuangan, (Jakarta: The International Institute of Islamic Thought, 2000).

Boedi Harsono, Hukum Agraria Indonesia: Sejarah Pembentukan Undang-Undang Pokok Agraria, Isi dan Pelaksanaannya, Djambatan, Jakarta, 1999.

Kartini Muljadi dan Gunawan Widjaja, Hak Tanggungan, Kencana Prenada Media Group, Jakarta, 2006.

R. Soeroso dalam bukunya Pengantar Ilmu Hukum, Cetakan Ke 5, Sinar Grafika, Jakarta, 2011.

Satjipto Raharjo, Ilmu Hukum, Cet Ke 3, PT. Citra Aditya Bakti, Bandung, 2000.

Lili Rasjidi dan I.B Wysa Putra, Hukum Sebagai Suatu Sistem, cet ke 1, Remaja Rusdakarya, Bandung, 1993.

R Setiawan, Pokok-Pokok Penkatan, Bina Cipta, Bandung, 1987.

Subekti, Hukum Perjanjian, Inter Nusa, Jakarta. 2003.

Wirjono Prodjodikoro, Asas -Asas Hukum Perjanjian, Bale, Bandung, 2001.

Abdul Kadir Muhammad, Hukum Perdata Indonesia, Citra Aditya Bakti, Bandung. 2003.

Frieda Husni Hasbullah, Hukum Kebendaab Perdata, Cetakan kedua, Ind Hill, Jakarta, 2005.

Perundang-Undangan

Undang Undang Dasar Negara Republik Indonesia 1945 dan amandemennya;

Kitab Undang Undang Hukum Perdata;

Undang Undang Republik Indonesia Nomor 5 Tahun 1960 tentang Peraturan Dasar Pokok-Pokok Agraria;

Undang Undang Republik Indonesia Nomor 4 Tahun 1996 Tentang Hak Tanggungan;

Undang Undang Republik Indonesia Nomor 10 tahun 1998 tentang Perubahan Undang Undang Nomor. 7 tahun 1992 tentang Perbankan;

Undang Undang Republik Indonesia Nomor 2 Tahun 2014 tentang Perubahan Undang-Undang Nomor 30 Tahun 2004 tentang Jabatan Notaris;

Undang Undang Republik Indonesia Nomor 30 Tahun 2014 tentang Administrasi Pemerintahan;

Undang Undang Republik Indonesia Nomor 11 Tahun 2020 tentang Cipta Kerja;

Peraturan Pemerintah Republik Indonesia Nomor 24 Tahun 1997 tentang Pendaftaran Tanah;

Peraturan Menteri Agraria dan Tata Ruang/ Kepala Badan Pertanahan Nasional Republik Indonesia Nomor 21 tahun 2020 tentang Penanganan dan Penyelesaian Kasus Pertanahan;

Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 22 Tahun 2023 Tentang Pelindungan Konsumen Dan Masyarakat Di Sektor Jasa Keuangan.

Yurisprudensi

Direktori Putusan Mahkamah Agung Nomor 1138 K/Pdt/2012.

Direktori Putusan Mahkamah Agung Nomor 31 K/TUN/2020.

Direktori Putusan Mahkamah Agung Nomor 316 PK/Pdt/2021