Pengalihan Objek Jaminan Fidusia oleh Debitur dalam Perjanjian Pembiayaan Konsumen

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaturan pengalihan objek jaminan fidusia di PT. Astra Credit Companies Kota Jambi, selanjutnya untuk memahami dan menganalisis perlindungan hukum terhadap para pihak apabila terjadi pengalihan utang objek jaminan fidusia di PT. Astra Credit Companies Kota Jambi. Metode yang digunakan adalah yuridis empiris. Hasil penelitian menunjukkan bahwa pengaturan pengalihan objek jaminan fidusia di PT. Astra Credit Companies Kota Jambi bahwa barang yang merupakan jaminan fidusia dialihkan kepada pihak ketiga tanpa melalui sistem resmi dan mendapat persetujuan tertulis terlebih dahulu dari kreditur (pengalihan utang di bawah tangan) dipandang sebagai bentuk cidera janji debitur dalam melaksanakan perjanjian pembiayaan konsumen PT. Astra Credit Companies Kota Jambi, kemudian perlindungan hukum terhadap para pihak apabila terjadi pengalihan utang objek jaminan fidusia di PT. Astra Credit Companies Kota Jambi tidak berjalan sebagaimana mestinya. Karena pengalihan utang objek jaminan fidusia oleh debitur dilakukan secara di bawah tangan. Dari hasil penelitian ini diharapkan Perusahaan Pembiayaan PT. Astra Credit Companies Kota Jambi melakukan sosialisasi atas peraturan pembiayaan kredit dengan jaminan fidusia, sehingga dapat meningkatkan kesadaran konsumen untuk mematuhi Undang-Undang Nomor 42 Tahun 1999 dan Peraturan Pemerintah Nomor 21 Tahun 2015 tentang tata cara pendaftaran jaminan Fidusia. Kata Kunci: Jaminan Fidusia; Pembiayaan Konsumen. This study aims to determine and analyze the transfer of fiduciary security object arrangements at PT. Astra Credit Companies Jambi City, then to understand and analyze the legal protection of the parties in the event of a transfer of debt fiduciary collateral objects at PT. Astra Credit Companies Jambi City. The method used is empirical juridical. The results showed that the arrangement of the transfer of fiduciary collateral objects in PT. Astra Credit Companies of the City of Jambi that goods which are fiduciary guarantees are transferred to third parties without going through an official system and obtaining prior written approval from creditors (transfer of debt under the hand) is seen as a form of default on debtors' promises in carrying out PT. Astra Credit Companies Jambi City, then legal protection against the parties in the event of a debt transfer object fiduciary guarantee at PT. Astra Credit Companies Jambi City is not running as it should. Because the transfer of fiduciary collateral debt objects by the debtor is done underhanded. From the results of this study it is expected that the Financing Company of PT. Astra Credit Companies Jambi City socializes the credit financing regulations with fiduciary guarantees, so as to increase consumer awareness to comply with Law Number 42 of 1999 and Government Regulation Number 21 of 2015 concerning the procedures for registering Fiduciary guarantees. Keywords: Fiduciary Guarantee; Consumer finance

Keywords

• Jaminan Fidusia
• Pembiayaan Konsumen.